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'W£ iI •1 *s vi $ &t It McCumber'8 Speech on Rural Credit Bill "Mr. President, I desire for just one moment the attention of the Senator from Oklahoma and also of Senators upon that side while 1 quote a single paragraph from the Democratic platform of 1912. 1 will say that I do not or dinarily go to that instrument for any political or industrial text, but sometimes between the rigid lips of a bivalve may be found a pearl of great price. I would therefore ask the Senator just to listen to one sentence. It is under the heading of "Rural credits," and reads as follows: Of equal importance with the ques of currency reform Is the ques rural credits for agricultural tlon tion of finance. "Of equal importance." The question of currency reform was considered of such great import' ance that it was necessary for the administration to call an extra session and that extra session, lasting all last year nearly, was taken up in the consideration of that one subject. Nowi, this other subject, according to your Koran, is of equal importance. "Mr. President, ever so often, •ever since I have been in Congress, 1 have heard eulogies on farmers and farm life dissertations for the most part on the beauties of poverty. These golden words banded out to the farmer are mat erialized only in the gold bricks so frequency harded *o him. Part of my duties here have been to apply the chemical test of analy sis to show to the agricultural communities the spurious charac ter of that which ha* been extend ed to them and to demonstrate to them that 'All that glitters is not gold. "Some of the senators remem ber a few years ago when the de natured alcohol bill was up how that bill was declared to be one of the greatest boons to the farm ers how during the long winters thev could convert their corn stalks, their turnip tops, their straw, and their potatoes into liquid dollars how this article would revolutionize motive pow er on the farm, and above all, bow it would totally paralyze the Standard Oil Company and fin ally crush that octopus that had been sucking the lifeblood from honest competitive commerce. "In the clamor and hurrah my voice of caution could not pene trate very far, but I took occasion to say that the American farmer would not secure any benefit out of that law that it was but ano ther one of the many attempts to play the farmer for political ends. Six years have elapsed since the enactment of that denatured-al cohol law which was to smile pros perity into every American farm "home, and not a single gallon of that precious liquid has been pro duced on the American farm. On the contrary, lest in the future there might be some possibility of benefit, our Democratic brethren voted to remove all protection on denatured alcohol, thereby re moving beyond all question any possibility of agricultural benefit. "We passed that bill. I cannot say that the bubble burst, but it was soon found that whatever motive power alcohol gas had in side this chamber it had little or none outside. I do not mean to say we deceived the farmers. As a matter of fact, they had learn ed long before to take with many grains of salt the aureate promis es of this body, and so they kept right on plowing "Then another great idea was sprung to challenge attention and to fill the farmer's heart with hopeful joy. It was a scheme for the appointment of a commis sion—a great national commis sion—to teach the poor blind, be nighted farmer how to make farm life attractive to send him a mis sionary to lead him out of the dark ways of his vocation. In vain I tried to persuade the Con gress that the farmer knew just as much as any lecturer you could send him how to make his home attractive. In vain I declared that if you assist him in making his business as profitable as city business, you could trust to his srood common sense to make his farm life just as attractive as city life that it was a question of dol lars and not of inclination or in telligence that the attractiveness of any vocation depends almost wholly upon the remuneration from it that circulating libraries would not dig potatoes or increase the price of grain. My appeal was in vain. You passed vour bill for a commission. That commission did its work and the farmer paid his proportion of its expense. Its report to-day lies mummified in the archives of of the country, waiting the day nf resurrection. And here, as be fore, you did not deceive the farmer. He knew it was a mere «op and, a* before, he just simply Icept on plowing. "And so I might ?o on citing bills and resolutions by the score which have been introduced pro posing to do this and that for the welfare of the agricultural people of the country, bills and resolu tions that would make farm life so enticing that the overcrowded cities would find relief for their congested population. "Mr. President, you hav done everything but the right thing. 1 ave pointed out the right thing to do again and again. It is a simple proposition* I have said what you all well know, that the drift of population will always be to the field of greatest remuner ation for a given amount of ex pended energy the greatest com forts, conveniences, and pleas ures that can be secured for a given number of hours of labor. And I have further insisted that just so long as the average earn ing in city trades and professions are three or four times greater than the average farm earnings, not only will the people who are now in the cities remain there but the sons and daughters of our American farmers will abandon the calling of their fathers and drift to the cities. "Let me put this question straight to you who profess such a deep interest in the welfare of the farming population: Are you willing that the farmer shall be able, after paying himself and his family citv wages for their ser vices, to declare a dividend upon his investment in lands, and machinery equal to the average dividends declared on city busi ness investments? If you will stand with me and extend to the American farmer that equal jus tice, we will solve the back-to-the farm movement. There is no use sayine this can not be done. Mr. President, it can be done, lust throw around the American fits as the banker or the merchant then give him such protection as will enable him to earn as much, hour for hour, as the carpenter in the city. "I know your usual answer: 'The farmer does not spend as much as the city resident, there- rore fal equality between farm labor and city labor. "Flour retails generally from $2.25 to $2.50 per hundred weight. To-day the wholesale price in New York was about $3. 75 per hundredweight. Even at this rate flour is the cheapest art icle that is served on the Ameri can table- It is still so unimport ant, from the standpoint of ex pense, that the average restaur ant makes no charge for bread whatever. "If people would just stop long enough to analyze their ordinary expenses and compare their flour bills with other expenses of city life, they would rid themselves of this everlasting fear lest flour might advance a few cents. I do not believe I could find 10 men in this city of more than 400,000 people who would have the slight est idea what they pay annually for the flour used annually by their families or how much one of them consumes. I wish 1 could secure the attention of the aver age citizen of the great city just long enough to impress upon him that he consumes only about one barrel of flour a year that this barrel of flour can generally be ourchased for about $8. I want him to realize that what he pays for just one theatre ticket for the cheapes, flattest kind of play will purchase all the flour he con sumes in three months that the tip which he throws to the waiter for a single meal will pay for all he bread he will consume in a week that he pays four or five times as much for his cigars as he does for his flour that he sub mits extortionate charges every where with stolid indifference, but if his flour bill is increased 10 certs a month he grows hysterical. "Mr. President, when the new administration came into power, it came laden with a mighty prom ise on its hands to both the farm er and the laborer. It promised farmer the same protection you have in the past accorded to the for his food products and the rest manufacturer just raise the oro- of the people were all to have taction wall around food products cheaper food products. And as until the price which the farmer a complement to this absurd shall receive for the things he! promise the laborer was to re produces will assure him a com-! ceive greater wages in the produc pensation that will enable him to tion of articles that were not to pay city wages for all of his lab-1 be sold to the farmer, and yet the cr, including that of himself and his family and still declare a div idend on his investment. Or if does not need to earn as much.' But, Mr. President that is an unjust answer. He is entit- upset the natural consequences of led to the same pleasures and this duplicity, and by setting most amusements he is entitled to of the civilized world murdering take his family lo the theatres he ^ach other created an enormous is entitled to indulge his tastes he demand for our food products is entitled to every thing that be- and a feverish demand for many longs to twentieth-century living, manufactured products and saved the same as the average urban the country from the impending population. He surrenders no in- curse of free trade herent human right by following "But Mr. President, this war agricultural pursuits. Now, the can not last forever. There is a only way you can secure him these buttom to the treasury chest and conditions is to make his business a limit to the credit of these na pay as great a remuneration as' tions. What then will happen the other important occupations, "Have you Senators stopped to "But whenever you observe' consider the first process in the the farmer receiving for his prod-! rehabilitation of the devastated uce a price that will place him on countries of Europe? How will an esual plane with his city breth- these destroyed factories in Bel ren, you are filled with apprehen- gium, France and Gallacia and sion and consternation- To-day elsewhere be restored? Not only you are crying against the price of are the factories in ruins, but the wheat and flour. I received a pos- commerce which flowed from the other day from New York them is gone. How long will it printed in big, black letters, take to bring them into existence 'Place on embargo on the expor- again? All wealth, Mr. Presi tation of wheat and check the dent, must first be lured or dug greed of the avaricious farmer.' from the earth. In the famished The man who had money enough condition of the Old World its to send that postal all over the people will first seek the shortest re- United States was probably ceiving from 25 to 50 per cent interest on whatever he may have1 invested in business. The farmer! who may have received $1 perl bushel for his wheat may have be raised in 90 days. When this netted $1 per day for his work and no dividend on his invest ment. "I have stated again and again md proved my statements, that taking into account the number of hours of labor performed by the American farmers and their children, and leaving out of the consideration entirely the amount invested in their farming opera tions, they are the poorest paid labor in the United States. "Let me ask you, Will $1.50 a bushel for wheat enable the farm er to pay his labor more than reasonable wages and declare more than a reasonable dividend on his investment? I know it will not, you ought to know it, and every man who owns an acre farm land knows that it will not. Let me tell you right here and now that if the grain raiser should realize the same wages for his eight hours of labor that the mas on in any large city receives, he must have more than $2 a bushel for his wheat and the values of all other cereals must advance in like proportion. I am asking for this you think he is not entitled to the of your promise. Coincidently ing with, executes a 5 per cent in-! ?ame treatment, to the same pro- laborers began to be discharged I Hy the thousands and all forms of farm products started on a down ward toboggan slide, and Heaven re he a and by filling it with blood and carnage, checking and destroying Its productive capacity created a demand for our goods. possible means of producing wealth. It will take years to build the factories and regain the commerce. On the other hand, practically all kinds of crops can most speedy method of rehabili tation will manifest itself in an enormous increase in acreage planted for the harvesting of food crops. That means a mighty sur plus that must be forced upon an impoverished people whose first thought will be economy. That means shortly after our Civil War when in a comparatively short time, wheat dropped from $3 to 50 cents per bushel. It means cheaper cereals when the war is! over. "We ought to prepare to meet that situation. How can we do it? There is but one proper way —protection. Give the Ameri-1 can market to the American far-! mer to the extent that he is able to supply that market at a just and fair profit. Put up the bars of pro tection high enough to assure him simple justice. This, Mr. Presi dent, is the first great duty we owe the American farmer. He would get more real benefit out of this protection in a single year than he would get out of any rural credits bill in half a century. Undo the wrong you did to him GOLDEN VALLEY CHRONICLE in 1913, when you put practical ly everything he raised on the free trade list and compelled him to compete with the whole world. So long as this war lasts he will es cape the great loss which is the natural result of your unjust and unequal policy. But when this war closes, great losses will sure ly overtake him. You will not do this, but you say you will give him something else which may di vert his mind awhile you will concentrate his mind on a shining quarter while you are relieving his pockets of a $ 10 bill. "And so, Mr. President, we are -"et again with a proposal to give the farmer a rural credits bill Is it like all the other proposals, to fade away into nothingness? Do you really want to give the farmer a rural credits bill that will be of real and substantial benefit? I am certain the bill reported from the committee, no matter how well intended, will not be a suc cess- It depends too much upon philanthrooic sentiment in busi ness, which I have never yet been able to discover. There is no philanthropy in the business world. People do not go into business for other people's bene fit second, it is too complex, too cumbersome. It equires too much red tape to answer the farmer's demands. I have abiding conviction that it is not fitted to the farm conditions of the United States that it will be but another one of those impract able theories that have from time to time been thrown out to the farmers. "I have drafted a substitute which I believe will meet their de mands, and meet them in a sim ple and effective way. "My substitute requires no new complex, or untried svstem. It is based upon the theory that there is sufficient money in this country readv and eager for in vestment at 4'/2 pt cent on long to play one against the other forjHme securities. The vast depos their mutual advantage. The'its in savings banks, the farmer was to have higher prices mentf of life Now What is the procedure under my substitute? "A farmer in my State wants to borrow, say, a thousand dollars on his land. Hp farmer was to secure goods pro duced by that laborer at a less price. You began the fulfillment he has been in the h?.bit of deal-j abstract a a anded had not the stern god of. ing full description of the land,! war intervened in the Old World amount under cultivation, charac- The war1 ter of soil, kind and value of im provements, and any other mat-! ter Read All the Ads in The Chronicle Before You Do Your Shopping Chronicle Exchange &1 L®** invest-1 insurance compan-' ies, of trustees, and tru°t comnan ies show that a 1 0 or 20 year gov ernment debenture bearing AVi ner cent would be tnk?n as rapid ly as it could be issued. Bi Bi Si Lfi goes to a bank terest coupon ncte ancl mortgage, I and accompanies them with an1 showing good title in him a at on or an iv A.M.Christianson Devotion to Law The Story of His Early Life Reads Like The "Life of Lincoln." That loyalty to the law brings that may indicate his ability to its rewards has never been more amply demonstrated than in the case of the youngest member of m- raise crops and to meet the terest. That application and the values are verified by two neigh bors. The banker knows him, knows the land, and the value of the security. In nine cases out of ten if the farmer wishes the mon ey on that very day, the banker will advance it to him, as he would be secured by the mort gage in his possession- The bank er is the agent of the Government and as such, held to great care in appraisals, will be very careful that the loan does not exceed the half of the actual value of the land and that it fully meets the requiremtnts of the law. The ap plication, mortgage, note, and ab stract of title will be examined the application and appraisement will be carefully scanned not only to ascertain that the value is un questionably, but that the appli cant is possessed of everything necessary to produce crops on that land to meet the annual interest. If everything is found to be cor rect, the papers will be returned to the bank with a draft, the mort gage will be recorded, and the draft turned over to the borrow er. (Continued next week.) North Dakota's supreme court. Judge A. M. Christianson was born a lawyer, with an insatiable craving for legal knowledge in his system which had to be as suaged, that was all. From his earliest recollection he wanted to become a lawyer and all his plans since he became old enough to make any, were laid with that and in view. Reads Law By Lantern Light It is therefore that we find him when a boy of about 15 years, reading Blackstone by the light of a lantern while the rest of the hay ing crew of which he was a mem ber, were getting needed rest for the next day's toil. Then when he was going through high school we find that he is taking a corres pondence course in law, and- con tinuing this course while teaching country school in Northern Min nesota. When school teaching and careful saving had enabled him to earn enough to take him through a year in the law school, he loses no time in enrolling. But it takes much money to go through the law school and the original sum is soon used up. Va cation time is made to supplv this deficiency through the book agency route- The budding at torney and future supreme justice is said to have made such a suc cess at selling books that the firm for which he worked offered him steady position, at a salary which to us fellows in those days seemed fabulous. But the call of the law was stronger than all oth er inducements to Mr. Christian son and he is soon back at the law school. Eyes Give Out But A. M. was applying him self too assiduously to his law course and at this point a tragedy came very near being enacted. Mr. Christianson had only one pair of eyes and these were only of the ordinary sort. He was compelling these same eyes to do the work of six ordinary pairs of optics and they rebelled. The re sult was that doctors held consul tations over the new attorney.He was ordered to the dark room, for a time and forbidden to read for several months after he was let out in the light again. Then back home to the farm for a while so the eyes and the For the benefit of Golden Valley land owners who want to dispose of their property, the Chronicle has opened "The Chronicle Real Estate Exchange" and will list free of charge ig and advertise their property in the Chronicle and eastern pa per no expense or commission to be paid unless land is sold. Those wishing to list their property for sale should call at the Chronicle office at once, so as to get your land offered in the first lists sent out. Your name will not be used in the advertising and it will cost you nothing until your property is sold. Land buyers are coming to North Dakota this year and the Chronicle proposes to bring some of them to the Golden Si Valley. List your land now. The Chronicle Real Estate Exchange Office the Postoffice Building. J. W. Brinton, Manager rest of him could be given a chance to recuperate. While taking this rest the young attor ney was looking around for an opening. He finally selected Towner, McHenry county, N- D. then a new place, as a likely lo cation and decided to try it there. Admission to the North Dakota bar soon followed and a few ANEMIA—^Irs" SPRING COLDS CATARRH SPRING TONIC When Anybody Finds a Cure He Is Generally Willing To Tell His Neighbor Postoffice Building months later he was elected states attorney of that county. This was only about 14 years ago. Judge Christianson is now less than 40 years old, the youngest member of the supreme court of the state, and possibly of any such body in the nation. He is making good and his fame is growing apace. The willingness of one neighbor to tell another neigh bor in a private way of the benefit received from Peruna, explains the popularity of i'eruna more than all the ad vertising that has been done. li The fear of the publicity undoubtedly prevents the majority of such people from writing a testimonial to be used in the newspaper. But in spite of that we are re ceiving fine testimonials continually. Marengo, Ohio, says: "I believe fUlEIMft rcruna to bo the best tonic. I recommend It for any run-down condition of the system." -Mrs. Rhoda Stufflebeam, Bunch, Iowa: "A Fprins colli I took settled on my lungs. Coughed. Could not sleep. We feared consumption. Thanks to Peruna, I am a well woman today." -Mrs. Sadie Allen, Joseph, Oregon: "My little boy Is entirely cured of catarrh of the ears by Peruna. Am thankful for your good advice." -Mrs. H'm. Mcjloberts, P.rown Valley, Minn.: "Taken in spring Peruna tones up the system, acts as a tonic. I consider Peruna a whole family medicine chest." IIow did they hear of Peruna? Simply bccauFe one neighbor is always willing to tell another one lie has found a cure. Neighborly conversa tion of grateful patients has done more for Peruna than advertising. Much more. The Ills of Life," sent free. The Peruna Co., Columbus, Ohio. Look Listen Come Hear Harm's Jubilee Singers BEACH OPERA HOUSE ONE NIGHT ONLY THURSDAY, APRIL 8th Seven years known as the Midland Jubilee Sing ers. A company of 7 colored artists. Reserved seats $ 1.00. 'iJtfc- 5 \R