DR. E. lit LONG
Over Weh man's Hardware Store
Union City, Tenn.
Office 144, Residence 689-J
DR. E. M. LONG
Over Web man's Hardware Store
Union City, Tenn.
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
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
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
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
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
The Japanc30 are preparing for
the withdrawal of their reserve
forces'of 30,000 men stationed in
Manchuria and Siberia.
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
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.
"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
"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.
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
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
"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
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
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
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
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
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
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
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
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
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
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
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
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
Cherry- Moss Grain Co.
FELIX W. MOOEE
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. .
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
Eyes scientifically examined and glasses
s Telephone 327-J !
UNION CITY, TENN. ,
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. - ..,
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
588 . UNION CITY, TENN.
HENRY 6t HENRY, of Hickman, Ky.
' are field agents and have the same au
DR. JAKE H. PARK :
Office: Room 1, Naillinp Building
UNION CITY, TENNESSEE
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.
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