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15 -A $ FRAZIER Polical Ad. BURLINGTON. The report of the principal of Bur lington schools shows the following particulars: Room 1 Enrollment, boys, 13, girls 16 per cent of attend ance, boys 97.6, girls 91.4 total 94.5. Room 2—Enrollment, boys 12, girls 11 per cent of attendance, boys 94.8, girls 94.8, total 94.8. Room 3—En rollment, boys 9, girls 14 per cent of attendance, boys 85, girls 77 total 80. Room 4—Enrollment, boys 7, girls 4 per cent of attendance, boys 98.1, girls 84,3 total 93. Total enrollment of the school—boys 41, girls 45 per cent of attendance 90.5. The above facts show a very creditable condition of our public schools and speak very highly for the loyal manner in which the parents are lending their assist ance to the teachers in building up an interest in educational affairs. E. A. Madsen is making arrange ments to go to Raymond, Mont., the last of the week to inspect the large general store at that point in which he is interested. Mrs. J. Y. Millar was a visitor to the Wonder City Tuesday. The mines in this district are being greatly hampered in their operation by the lack of cars. A movement is on foot to call the attention of the state railroad and warehouse commis sion to this fact, and also call their at tention to the fact that the mines at "Wilton in which certain officials of the Soo line are interested are peculiarly free from annoyances of this nature. In this connection we cannot forbear to remind the public that they should by all means lay in a goodly supply of Burlington lignite at their earliest opportunity. We gave the same warning last season and when it was too late many were sorry that they gave no heed to our advice. Don't make the same mistake twice. The regular meetings of the Bur lington Camp M. W. A. are held the second and fourth Tuesday evenings of each month. Thd next meeting will occur after election and consequently there can be no excuse for failure to attend, brothers. The Ladies' Aid will hold their an nual sale on Friday evening of this week at the Opera House. In con nection with the sale supper will be served from 5:30 to 8:00 p. m. Let everyone turn out and make this oc casion a marked success. Judging from the way grain is be ing brot to town one would have no idea there was a crop shortage this season. One day this week we ob served seven heavily loaded grain tanks lined up before the local eleva tors waiting their turn to unload. Both the Hogy and the Olson Grain Com pany houses are doing a splendid bus iness this season. Besides the eleva tors which he operates here and at Des Lacs Mr. Hogy has to attend to his large farming interests north of town, and any one of these interests would be sufficient to claim the entire atten tion of an ordinary man, but Hans carries his responsibilities lightly and is constantly alert and keeping his various enterprises running smoothly. We understand Mr. Hogy still has a cows for sale at the old Muir V- Frazier is for Hughes BECAUSE Hughes always made good Frazier is for Hughes BECAUSE Hughes is not given to empty promises Frazier is for Hughes BECAUSE Hughes is a friend of the com mon people the greatest state in the union— ranch up the Mouse, and farmers in search of A. No. 1 dairy cattle should make it a point to look over his herd as there aire still a few of the choice cnes left. By reason of his absolute candor and straightforward dealing one takes no chances when he deals with Mr. Hogy. A movement is afoot to improve the condition of the road leading to Mi not. Burlington township is graveling a mile, or two of the road and it is now proposed that owners of automo biles and others interested in having a good road to Minot shall turn out on a given date and fill the "chuck holes" and make such other improve ments as will put this road in first class condition. This is a commend able move and we trust the Minot merchants and autoists will unite with cur people and help the good cause along. Portions of the road construct ed under the supervision of the county commissioners are now in a scrry con dition and should receive attention be fore a freeze prevents doing a satis factory job. There is some talk of resurrecting that ancient landmark known as Lo gan, but we have classified the report along with other fabrications, such as enormous bean crops, corn yields and such like products of. the contorted imagination of her correspondent. We are glad to note that Tasker is "beating back" and is now represented every week by a grist of good live news from that hustling community. RURAL CREDIT LAW. Turin, Iowa, Oct. 30th, 1916. To the Editor: I have just read the criticism in The Independent of the new rural credit law. It appeairs as a political adver tisement, but it seems to the writer that this is no excuse to find fault with an honest effort to give the peo ple of the United States a rural credit law. Of course, this law is not, per haps, perfected in every detail, and as a matter of fact, it cannot be so per fected, like the rural credit law of Germany, until the states all pass similar legislation. The reason is that the title laws are all within the juris diction of the states. The rural credit law does not seem to be understood by those whom it is intended to benefit. It is purposely not understood by those like the writ el of the above mentioned political ad, who for some reason wishes to dis credit it. It is in reality nothing more than a system of banking that issues bonds against mortgages, and in so doing removes as far as possible, every objection of an investor to a mortgage. If the man who thinks that there is nothing possible wrong with a farm mortgage, let me ask what he would ask if he had $10,000 and was offered for his cash a farm mortgage? He would surely ask about the title and the valuations of the farm. If the farm was at some distance from his home he would find that he would of necessity spend con siderable to satisfy himself on these two points and he would, of course, charge more interest or commission than if he went into the market and bought a security that did not require any expense or special knowledge to be safe. This in short is the reason the farmeir is paying a higher rate than the city, corporation or govern-' ment, while his security is no doubt the best. A government or municipal bond has the advantage over a farm mortgage in four principal points— first, the title to a farm is not exact ly perfect and must be shown to be so by an expensive abstract that costs something and requires bother. Sec ond, the valuation of a farm might be too high and the investor must satisfy himself as to this in some way. He either makes his estimate so low that he knows by a general knowledge of the country that he is safe, or he takes the word of the agent, or he comes and inspects the farm himself. Any of these methods requires ex pense and bother. Third, the mortgage is taxed while the bond is not. Fourth, there is always a market at some price in cash for a bond while there is not for a mortgage. A new buyer must of necessity go all thru the original program before he is safe in buying a farm mortgage, and of course, the borrower pays for all of this expense and bother, over and above what a bond would be required to pay, that did not present any of the above de scribed expenses or hazards. A rural credit law should be merely a system of titles and banks that would remove all of the above obpec tions from a mortgage. The state or government should take care of and guarantee the title. This can be done by installing a recording office that would prevent errors being recorded. This office could certify as to the con dition as well as an abstractor. To provide against unavoidable errors and contingencies, an assesment of one-tenth of one per cent is collected at each and every transfer of mort gage, to make the government safe. This answers the'first question. The bank and state work together to get the valuation correct, and the state ap praisers have the last word. This protects against fraud, and answers the second question. The bonds that are issued against the mortgage are not taxable and this answers tha third question. The bank or rural credit society has a reserve in cash and makes the bonds readily saleable because the bank or society stand* ready at any time to cash the bonds with 4 per cent interest. This /gives the investor a demand deposit, backed by the best security in the world, drawing 4 per cent interest. This will put the farm mortgage on the market the same as a city or gov ernment bond, with a ready market in cash at some price. Of course it is not true that these bonds would al ways sell for par, but in this respect they would be no different from other bonds. As a matter of fact, the power to create such a system is not within reach of Congress, because the taxa tion laws and the title laws are all or partly under the state jurisdiction. In order that there would not be too much confusion and misunderstanding on the part of the investor, these state laws should be all exactly alike in the various states. Mr. Wilson has suc ceeded in getting the present rural credit law passed and it will advertise "I AM FOR HUGHES" SAYS N N A I E The Farmers' Candidate for Governor Supports the Peoples' Candidate for President The Reasons Why Frazier Will Vote for Hughes Are the Reasons Why Every North Dakota Farmer Should Vote for Hughes The farmers of North Dakota through the Nonpartisan League have made the Republican party of North Dakota once more an instrument of the common good. They have restored to it the aims for which it was founded. They have selected a state ticket worthy to be placed alongside a national ticket headed by one of the greatest of all Americans—the man who is THE PEOPLES SPONTANEOUS CHOICE for president—the greatest governor of Charles Evans Hughes Vote the Republican Ticket, not because it is the Republican Ticket but because its candidates are the best that honest patriotic men could name VOTE FOR McCUMBER and the Republican State Ticket Republican State Central Committee Wm. Lemke, Chairman the necessity and the possibility of a rural credit law and it will lead to the discovery of the proper method in the end, if it is absolutely of no other value. The writer of the above men tioned political ad criticises the pres ent law but does not mention any way to improve it. In this respect he is no different from all the rest of the Re publican campaign writers and speak ers. If this writer wants to say some thing worth while about rural credits, why don't he point out the defective places and then tell how to remedy the defects? If the farmers of North Dakota really want to do something in the line of law making they have it in their power to create a rural credit law within their own state, within their own jurisdiction that will be worth at least $500,000,000 in cash. It will make North Dakota the Mecca of all land buyers. It will revolutionize the whole method of farming, because it will give the farmer a loan from ten to fifty years in length that can be re newed or changed at any time that won't cost more than 6 per cent and this will be enough to retire the loan at maturity. In other words, that in terest and commission they are now paying is plenty to pay both princi pal and interest in twenty years. Now, Mr. Political Ad Writer, what have you got to say F. W. BISBEE. PROPERTY DESTROYED BY HALLOWE'EN MERRYMAKERS Young Men Overturn and Unroof Buildings as Hallowe'en Pranks Took Possession of Cafeteria. Hallowe'en was celebrated in the usual fashion Tuesday night, only a little more so. During the early part of the evening the younger element appeared in their ghost costumes and seemed to have been plentifully sup plied with soap, from the appearance of the windows about the city the fol lowing morning. The work of destruction did not commence until a later hour and grown-ups, who ought to have been employed otherwise, mingled with the youths. On the north side scores of small buildings were overturhed and in some instances the roofs were torn off. One small building was placed on a wagon and dumped into the river. Delivery wagons and a good many other things that had not been nailed down were found long distances from home the following day. A crowd of fully 25 young men filed into the P. & L. cafeteria, ordered coffee and doughnuts, and after eating their midnight lunch, walked out with out offering to pay the lady cashier a cent. Mr. Phillips treats the matter as a joke and says had he been pres ent he would have insisted on them partaking of a square meal. It May Be So. Willie—"Why is a wife called her husband's better half, dad?" Crab shaw: "I suppose it's because she Isn't satisfied with splitting his salary llftjr-flfty."—New York Times. Frazier is for Hughes BECAUSE Hughes will not become a sec tional president Frazier is for Hughes BECAUSE Hughes will make American citizenship SOMETHING TO BE PROUD OF—not to blush for "4' I The very best of and HUGHES ?l Islq Sarcastic Caddie. ii A beginner on -brand-new golf course was haying a particularly try* Ing experience pn a hole laid across a well-meaning but exasperating plowed field. When he did not miss ttie *b&U he hit the ground behind it. EtUr cad die, summing up the position VKith cold, professional gyp, companion:' "My word! 'It wouldn't cost him much If he ,Vjis playip'.. witii new-laid eggsI" -'j Father's Position. One evening we were entertaining our guests. One of tHe men took my little brother on his lap. The man .said, "What is your father, my little man?" He answered, "A man." The man asked him then what his father did, and he answered: "Just what mamma tells him to do."—Chicago Tribune. 'If O "d'ATISfACTION" A WARM GARAGE Firefljes'. Light.. The larvae of the fireflies are able to produce a glow and this has lad some to mistake them for glowworms. In reality there are no real glowworms In the United States. The source of the glow in immature fireflies is not known exactly, but it is believed that some of the minute glowing organism^ of the female insect may adhere to the young, enabling them to give forth a-, light of their own. Thing of the Past. Betty had been punished. ITcr aunt' did not know that, and, when she came into the room and found Betty sitting disconsolately before the window, she said "Why, look at our little Betty.. She looks ready to cry. What is going to happen, I wonder?" Betty looked up and then said solemnly: "It ha» happened." Is neceseary ifjou expect to use your car this winter You want to keep it from freezing up and you want the garaeeTwarm for the work of adjusting the motor or repairing, etc. (\rarilHihlMlSnfl vvl lin 1 i"K,the wVWWlnUfll^l the cold that make it as comfortable as it r„. u» ... .... can be made. It's easy to put on and For Walls, Cmltnga andPartition does not cost much. This is just one of the many uses for Cornell Wood Board. Come and see us andeconomicalfr 6 severa' OER.VICef MINOT wil1 keep out lots of J0*38 where it could be used very satisfactorily BOVEY-SHUTE LUMBER CO. goes with our goods N. O.