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DR. E. lit LONG
DENTIST ' Over Weh man's Hardware Store Union City, Tenn. Telephones Office 144, Residence 689-J DR. E. M. LONG DENTIST Over Web man's Hardware Store Union City, Tenn. TeJelphonea Office I44t Residence 689-J Onion City Commercial, established 1 S0 J rv.i,j.j e- . West Tennessee Courier, established 1897 I Cooselidatea September 1. 1897 UNION CITY, TENN, FRIDAY, JANUARY 17, 1919. VOL. 27, NO. 43 Commercial k i v C: t r HERE, THERE AND ALL THE GENERAL NEWS Twenty-one persona were killed and several lnjurod, thrco seriously, . In a rear-end collision on tbo Now Tork Central railroad near South Byron, N. Y., at 3:40 o'clock Sunday : morning. The Southeastern Limited, westbound, crashed into the Wolver ine Limited, also westbound, which . had stopped to take on an extra en fine. Every person in the rear Pull man coach of the Wolverine was kill ed. Only a few of tho dead have been identified, most of the bodies being mangled beyond recognition. That the Lea'guo of Nations is not nly a possible mer.ns to prevent war, but also a great organ for the orderly and peaceful life of civilization and " the foundation of a new internation al system, i3 tho view expressed in a - pamphlet published in London by Gen. Smuts, former member of the British War Cabinet. Threatened with extinction by in- . fluenza, the population of the Island of Tahiti, a French possession in the Society Islands Group in the Pacific, has waited in vain word of the sending of relief in response to re peated and urgent wireless appeals sent since early" in December. The new British Cabinet, the com position of which wa3 announced in London, will be headed by Lloyd George as Premier and First Lord of the Treasury, ' Andrew Bonar Law , will be leader in the House of Com mons and Earl Curzon of Keddleston in the House of Lords. The first publication of what pur ports to be the Sinn Fein constitu tion for Ireland was made by a Lon don newspaper. Tho document de Clares that the Irish republic has al ready been proclaimed end that the mandates of the British Parliament will not bo obeyed. Attorney General Thomas W, Gregory will retire from office on March 4 next, his resignation having been accepted by President Wilson In his letter of ie3lgnation Mr. Greg ory stated that "pecuniary responsi bilities" were given as the reasons - for his action. . The United States cruiser Seattle arrived at New York Sunday from Brest, bringing 1,542 officers and men of the American overseas forces, The transport Abangarcz also ar rived from Bordeaux with ninety-five officers and eleven men. The Iron cross so highly praised by German fighting men for so many years has altogether lost its popu larty. It is a common occurrence on the streets of Coblenz for a German soldier to offer for sale the iron cross he fought so hard to win. ,The French Government thru its commission for Franco-American af fairs has announced that officers and men of the American , Expeditionary Forces would be exempt from cus toms duties and registry, wines. liquors and luxury taxes. v Upon the removal by the War Trade Board of all restriction on the Importation of corn r.nd rice the price of corn on the Chicago Board of Trade began to drop. Great stores of corn are now available from Argentina. f Progress in tho settlement of the harbor strike which is tying up transportation in New York harbor awaits word from President Wilson, who has been appealed to to use his influence to bring an end to the tie-up. That Prussia will cease to exist as a part of the map of Europo and will be divided into a number of other States was the prediction of former Chancellor Ton Hcrtling in an inter view a short time beforo his death. Prominent Chicago financiers and business men advocate private own ership of railroads under the plan promulgated by S. Davics Warfleld, president of the National Association of Owners of Railroad Securities. American Ambassador John W. Davis was the guest of honor of the British branch of the Pilgrims at a luncheon. The growing friendship of Great Britain and America was ctressed by tho speakers. . Three well-defined proposals for legislation dealing with the railroads are now before Congress those of the railroad , executives, the Inter state Commerce Commission and Di rector General' McAdoo. . . ' The disappearance of $250,000 worth of Liberty bonds consigned to tho Studobaker Corporation, South Bend, Ind., still remains a mystery. Post-office inspectors are at work to trace the bond3. t " A mammoth military Olympic meet, to be held In Paris In May or June under the auspices of the Amorlcan army, for athletes from all the alllod fighting forces, is planned by Gen. Pershing. The fire toll of tho United States annually is 16,000 lives 'and $250, 000,000, according to statistics read at a meeting of the Firo Marshals Association of North America in New York. The will of Cel. Theodore Rose- velt was road to tho !f.mily. Accord lng to the attornoy for the family tho estate, which is estimated to be worth 500,000, ia left to Mrs.JRoose velt. The Japanc30 are preparing for the withdrawal of their reserve forces'of 30,000 men stationed in Manchuria and Siberia. Sampigny, France. Mrs. Elgyan Callis My Dear Lit tie Wife: I will try and write you a few lines. I am well and hope you and the boy the same. The day is near when we can be together again. It will be as much pleasure when we meet as it was sorrow when we had to part. I will sure be glad when I get my box, for we can't get anjr candy over here that is fit to eat. But when get back I will eat all the sweet stuff I want once more. Woll, what does your father' and mother have to say about our boy? I guess they are foolish about their little grandson. He is something to bo proud of, think, don't you? Our Y. M. C. A. man said for us to tell our girls we had a nice reading and writing room and plenty of music. But as I haven't any girl to tell I will tell my little wife, which is better. I guess old Santa will have to visit our boy this time, especially when I come home, if not before.' What is Nora Hotng- nowT"and also "Mamie and Iona going to school, I guess. I am with one of my old friends We are in the same company. It's Beatrice's cousin. Wo pass off many of the lonesome hours on Sunday to gether. I guess the friends will be surprised to hear from me. I haven't written to them since I left Camp Gordon. . Well, I will close for this time. PVT. ELGYAN CALLIS. Dec. 14, 1918. Prisoner's Honeymoon. "Your honor, I was married only last week and a jail sentence will interfere considerably with my hon eymoon arrangements," pleaded Wil liam Agnew when given ten days for motorcycle speeding yesterday . by Justice Fred Witt. "Where were you married?' asked Justice Witt. "In Coeur d'Alene,' Agnew replied. "Why did you get out of the Stato? Don't you know that we can marry you here In Spo- kano Just as well?" said the court. "Well, your honor," said the pris oner, "my sweetheart lived in Mon tana -and I had to meet her half way." "Sentence is suspended. Call the next case," ordered tho court, and Agnew was permitted to Join his bride, who had been a tearful spec tator of the proceedings from a seat back of tho railing that separates the prisoners from the curious crowd. Spokane Exchange. The Ladder to Heaven. Did you know tho word ladder is only used one tlmo in the Bible? Do you know when and where it is used? Are you interested in know ing about this ladder to heaven? Well, come to tho First Christian Church next Sunday - evening and you will hear about it. Come and let us study the way to heaven. If you want to havo a most in terest and holpful hour, if you are young person, come to our young peoples meeting at 6 o'clock p. m. You will be happy all th rest of the week. Don't forget the Bible study period at 10 a. m. Our school is real worth your while. Then wor ship with us at 11 a. m. We will try to help you got nearpr to heaven. J. RANDALL FARRIS, Minister. . Looking Up Her Bank Account. , "Ah, Duke, you lovo zat beautiful girl?""'.' "I sink 60," said tho Russian no bleman cautiously. "My lawyer, he make ze inquiry and zen I know."-' FEDERAL LAND BUNK HISTORY OF GROWTH Walter Howell, President, Makes Statement of Basinets. From absolutely nothing to a busi ness of $10,000,000 in eighteen months is the history of one of the "infant" institutions of Louisville. This institution is tho Federal Land Bank of Louisville, one of the twelve regional banks organized un der the federal farm loan act, passed by Congress July, 1816, and now lo cated in commodious and well-equip ped quarters at the corner of Third and Broadway, having outgrown its location in the. Inter-Southern Build ing, where it began its career, March 19, 1917. Its present quarters aro arranged and equipped to take care of an un limited amount of busin&ss. Over 40 office employos.are required to at tend to the financial wants of the farmers of tho four States in this, the Fourth district Tennessee, Ken tucky, Indiana and Ohio aside from the ten or more federal appraisers who are kept busy'ln tho field in specting the security offered in con nection with tho applications for loans. The executivo committee of the Federal Land Bank of Louisville con sists of the throo active officers, Wal ter Howell, president, formerly bank er of Union City, Tenn.; James B. Davis, secretary, formerly banker of Brazil, Ind., and L. Clore, treasurer, widely known scientific farmer of Franklin, Ind. Tho abovo three, to gether with H. A. Sommors, publish er of tho Elizabothtown Nows, Eliza bethtown, Ky., and A. P. Sandles, secretary Macadam Road Association of Ohio, Ottawa, Ohio, constitute the board of directors. The capital stock of tho bank at the present time is $1,250,000. Of this amount, $750,000 is owned, by the United States Government, which provided the original capita f of the twelve regional banks, under the fed eral farm loan act. INTENT OF LEGISLATION. The purposes of the act were to provide for agricultural development, to create a standard form of invest ment, based upon farm mortgages, and to equalize rates of interest up on farm loans. The banks have been urjquestion ably successful in fulfilling the mis sion for which they were organized. The Louisville bank has furnished a large amount of money for agricul tural purposes, having loaned to more than 4,000 farmers over $10,000,000 since its organization, securing by first mortgages on farm lands, not exceeding 60 per cent of their ap praised value. We havecreated a standard form of investment based upon farm mort gages. This is known as the federal farm loan bond. The bank is oper ated on money secured thru the sale of these bonds, Which have taken their place among the recognized se curities. To date $9,000,000 of these bonds have been issued by the Fed eral Land Bank of Louisville. These bonds are secured by first mortgage loans on farms, and by thlTact of Congress are declared and held to be "instrumentalities of the Government of tho United States, and as such they, and the income derived therefrom, shall be exempt from fed eral, State, municipal and local tax ation." Investors, recognizing the attractive features of the bonds, have always been willing to pay a prem ium for them. The rate of interest to all farmers on loans made to them by the fed eral land banks thruout the United States, is 6. per cent. Wo consider this" a very low rate for the farmer at this time, considering the most commercial and industrial enterprises aro now paying a higher rate. The loans are made on the amortization plan for a term of 34 years, that is, a farmer borrowing $1,000 is re quired to pay 69 semi-annual install ments of 32.50 each. When he has paid the last installment he has paid both interest and principal, liqui dating his entiro Indebtedness to the bank. PROFIT BOOKED. This bank now has a sufficient amount of 'business on its books to make a profit possible and it is ex pected that1-by December, 1919, ; a dividend can be paid. . ,;, In considering tho security offered for each loan the executive commit tee of this bank has beforo it a state ment of the applicant, also that of the local appraisal, committee, con sistingi of threo of the applicant's neighbors, concerning the value of the lands, the amount of personal property he owns and the ability of the applicant to meet his obligations; also other information affecting the loan. 'In addition to this, the report of the federal appraiser, which covers the value of the land or anything affecting the sale of the property, such as schools, churches, roads, etc., and the moral standing of the appli cant is before the committee. No loan will be made whero tho appli cant's moral standing is not good, although the security offered is ample.' This, means that all applications to this bank for loans aro not neccssar ily granted; many aro reduced or re fused entirely. Were it otherwise the system could not have attained the solidity it has and its bonds would not be as dcsirablo as they are at the present time.. The extent to which tho farmers of the Fourth district are availing themselves of tho benefits of tho sys tern is shown by the report Just made by the bank to the federal farm loan board at Washington, D. C. For the year ending Dec. 31, 1918, applications were received to the number of 3,092, amounting to $10, 037,795. During this time we have closed tho loans of 4,154 farmers, paying them $8,007,300. Since the organization of tho bank we have closed 4.128 loans, amounting to $10,330,700. - In the month of De cember applications were made ag gregating $1,389,300 and loans were actually, closod and tho money de livered to the applicants amounting to $660,900. This gives ono a fair idea of the extent to which the Federal Land Bank of Louisville is serving the farmers of this district. During 1918 we collectod moro than 4,800 semi annual amortization . payments, ag gregating over $300,000. This rep resents the money paid back to the bankbi tho borrowers, who - are gradually retiring the principal "as well as the Interest byhese amorti zation payments. In our monthly reports to the Treasury Department at Washington we have been able to report for the past six monts not a single delin quent payment. . At this time all in terest and amortization due this bank has been paid. Wo consider this the best evidence that our loans have ample security. While these matters aro of first im portance to the farmers, yet bankers, business men and citizens in general are Interested in the operation of the federal farm loan system, because it means prosperity not alone for the ones borrowing the money, but for the communities in which the bor rower lives. While only farmers can borrow, the money they obtain is almost in variably put , back into the regular channels of trade (hru the purchase of materials or implements for farm Improvement, paying off old mort gages or taking up old notes, so that the banker, the etoro proprietor and many others profit by tho new sys tem, which is -conceded to be one of the most beneficial acts ever enacted in the interest of agriculture. Wants Train Schedule Resumed. Hickman, Ky., Jan. 11. It is talk ed here that the morning train into Hickman from Nashville and the night train out of Hickman on the Nashville, Chattanooga & St. Louis, which were- removed as a matter of economy shortly after the war began, will be put back into service at an early date. Tho.trains taken off were the most important in regard to mail and express - and their return will mean much to local business inter ests. At the Methodist Church. Rev. Stephen A. Haboush, a na tive of Galilee, and a shepherd, will preach at the Methodist Church next Sunday morning. Next Wednesday evening he will .give his lecture, The Cradle of Christianity," illus trated with moving pictures of Jeru salem and the Holy Land. Varied costumes and shepherd flutes will be used. Mr. Haboush Is a charming and fluent speaker. He has an engage ment for Chautauqua work next sum mer. He will bring an inspiring and powerful message to the people of Union City in the two addresses he will give. Don't fail to hear him. GEO. J. EVANS. i ne ma mm "Brag' Store ON "PUMPKIN ISLAND" Has arranged to add the full line Rexall and United Drug Co. goods to its stock, and will be Rexall Store i). 2, Also the whole stock will be increased to complete and fill wants of a growing list of patrons. Free delivery and quick service. BOTH TELEPHONES-Cumberland No. 300 Obion County No. 22 D STAR 1 At the beginning of the New Year 1919 we want to thank the public for their patronage during the past year. It is our aim to put forth every effort during the coming year to serve our trade better, and hope we shall continue to merit a liberal share of your patronage. Cherry- Moss Grain Co. FELIX W. MOOEE MONEY Union City, Tenn. TO LOAN AT LOW On their lands as security. These or ten years, with interest payable borrower may prefer. The principal $100 amounts or in larger sums at will be no charge for such loans except for abstracting title to lands -offered as security for loan. These Joans will be closed and the money in the hands of borrower promptly, and no long delays are necessary. . MOORE & Office Phone 143. Residence Phone DAVIS & RUSSELL. Union City. Tenn., are our field agent and authorized to take applications for loan. Dr. Jas. W. Scott Registered Optometrist. Eyes scientifically examined and glasses fitted. s Telephone 327-J ! UNION CITY, TENN. , THE MOST No organs of the human body are eo important to health and long: life as the kidneys. When they slow up and com mence to lag in their duties, look out! find out what the trouble is without delay. Whenever you feel nervous, weak, dizzy, suffer from sleeplessness, or have pains in the back wake up at once.- Your kidneys need help. These are signs to warn you that your kid neys are. not performing- their func tions properly. They are only half doing1 their work and are allowing; im purities to accumulate and be convert ed into uric acid and other poisons, which are causing you distress and will destroy you unless they are driven from your system. - .., DRUG STOR 19 W. E. HUDGINS Union City, Tenn. RATES TO FARMERS , loans will be rnade for either five , semi-annually or annually, as the sum borrowed may be repaid in , any interest payine date. There HUDGINS 588 . UNION CITY, TENN. HENRY 6t HENRY, of Hickman, Ky. ' are field agents and have the same au thority. ' DR. JAKE H. PARK : DENTIST i Office: Room 1, Naillinp Building TELEPHONE 136 UNION CITY, TENNESSEE DANGEROUS DISEASE Get some GOLD MEDAL Haarlem OH ; Capsules at once. They are an old, tried . preparation used all over the world, for; centuries. They contain only old-fash- ' loned, soothing oils combined"' with strength-giving and ey stem-cleansing" . herbs, well known and used by physi cians In their daily practice. GOLD : MED At, Haarlem Oil Capnulee are lm- ported-Sdirect from the laboratories In Holland. They are convenient to take, and will either give prompt relief or your money will be refunded. Ask fo t them at any drug store, but be, sure to get the - original - Imported - fJOLl MEDAL brand. Accept no substitutes. . In sealed packages. Three sizes. 1: L.