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Jkr HELP WANTED. WANTED—Kitchen girl at ^Mer chants Hotel. 647 WANTED—A good farm hand. Ap ply at Willmar Green House. 633 WANTED—Two girls to take up the practice of nursing at the Will mar Hospital. 385 ""WANTED—A good cook in family where two girls are kept. Good wag es permanent place. Inquire at Trib une office. 659 HOU8E8 AND ROOMS. FOR RENT—Five room cottage. Call 198L. 654 WANTED TO RENT—House or up stairs. Address Tribune. 664 FOR RENT—Furniihed room in modern house. 510 3rd St. E. 619 FURNISHED ROOMS—For rent, down stairs. 422 Second street. 655 FOR RENT—Rooms suitable for light housekeeping. 'Phone 204J. 650 ~FbR~RENT—Modern roomTMrs. C. A. Nichols, 117 E. Litchfield Ave. 645 ROOM FOR RENT—(Unfurnished), near high school, 912 Fifth St. Wm. P. Elkjer. 646 FOR RENT—One furnished room in modern house. Inquire at 721 Litch field Ave. W. 469 ROOM WANTED—By gentleman. Must be reasonably close to business part of city. Inquire at this office.651 REAL E8TATE. "FOR SALE OR TRADE—A very de sirable 7-room house in the Larson Tallman block. Inquire at Tribune office. 501 CITY LOIS—Have Just platted tome of finest building lots in city on Third St. East (Mayson). Prices reasonable. G. A. Erickson. 405 FOR SALE—On the installment plan. Twenty-three lots, 7 blocks from post-office. For further particulars. Jxqulre of Anderson Land Co. 376 NORTHERN MINNESOTA LANDS —112.50 to 115.00 per acre S2 per acre cash, balance on easy terms at 6 per cent. For further particulars call at our office or write Anderson Land Co., Willmar, Minn. 660 HOUSES FOR SALE—On the~Tn stallment plan. It interested in buy ing a house it will pay you to call at omr office and get full particulars. Anderson Land Co., Willmar, Minne sota. 635 GENUINE BARGAINS—If you are looking for such in city property or Improved farms in Kandiyohi county, do not fail to call at the office and look over the large list of properties now for sale by Thorpe & Rykken, Willmar, Minn. 414 WANTED—Farms to Sell—I have buyers, but my list of farms is run ning low. If you will list your farm for what it is worth, you can sell at your own price. I charge one doll ar per acre commission. William Ol son. Splcer, Minn. 347 FOR SALE—96 acre farm about 9 miles from Willmar good rolling land, has fair house, outbuildings poor, fine grove and apple orchard. Prioe 945 per acre. This is a bar gain. Have several good propositions In booses in Willmar. Call or write, A. H. Brown. tf IDEAL STOCK FARM A Big Bargain. 375 acre farm, partly improved, mile from post office, and mile from High School, heavy black loam, with clay subsoil, 200 acres cultivated, bal ance timber and pasture meadow, 75 acres fenced hog tight, east and west fenced with four foot woven wire. Water piped from lake chicken house and hog shed, only buildings an ideal grain and stock farm. A bargain for quick sale. J. Dwight Hargreaves, Saint John, N. D. Have improved and unimproved land ranging from $10 per acre up. Write me for full partic ulars. FOR 8ALE— MI3CELLANEOU8. ""FOR SALE—Second hand~self-feed coal Btove. See M. H. Carey, Majestic Theatre. 661 FOR SALE—At half price, a new coal stove for wood and coal. Inquire at 523 Third St. 642 ~"FOR~SALE—Ford touring car in good running order for $275. P. M. Peterson, Willmar. 602 FOR SALE CHEAP—A 1913 Ford 6-passenger touring car, in first-class condition. Lars Halvorson. 535 FOR SALE—One large size Radiant double heater, almost new one Stew art self-feeder medium size heater one kitchen range. All in good condi tion. Sold cheap. Apply at 221 Litch field ave. E. 662 FOR SALE—One 2-horse power gasoline engine with pumping jack, new. For sale cheap for cash, as I have no use for same, also one hay rack and one running gear heavy truck. Will sell way below cost if taken at once. Inquire at Tribune of fice. 601 FOR SALE—9 room duplex, full basement, electric lights and fixtures, city water, large cistern with air pump pressure, cess-pool. Lot 75x150 feet, all walks in. $500 cash, the balance $40 a month at 7 per cent. For price and further particulars inquire of An derson Land Company, Willmar, Min nesota. 605 8T0CK FOR SALE. FOR SALE—One good work horse. A."P. Reese, Splcer, Rt. 1. 490 FOR SALE—One pure bred Short horn sire, 4 months old. Gustafson Bros., Kandiyohi. 648 FOR SALE—One year old Berkshire boars, eligible for registry. Swan Nel son, Rt. 3, Willmar. 660 FOR SALE—Cheap, light driving team, double harness, single and dou ble buggy, saddle and cutter. Call •Phone No. 381. 656 FOR SALE—100 well bred Barred Rock cockerels from vigorous stock. Your choice, $1.00 each. Fred Sten berg, Lake Elisabeth, Rt. 1, Atwater, Minn. MS ""J»0ft SALE—A number or good young fefifteTtd Sfcortbor* trails. Al- |£$^ », J^j^^^^^}^^0^A,v^^i0^^m so some good young fresh milch cows. 'Phone line 16 call 17. James F. Cox, Willmar, Minn. 658 MISCELLANEOUS. WANTED—To take 620 Mayson St. E. in washing at 653 WANTED—To take in plain sewing, at 620 Mayson St. E. 653 WANTED TO TRADE—Registered Shorthorn cows or heifers work hors es or colts for a bunch of sheep. P. J. Thorstenson, Willmar, Rt. 5. 652 PIANO TO~ TRADE—Have a new $500 King grand upright piano taken in a trade which I will trade for cheap lots. May be seen at Tjosvoid's Music Store. G. A. Erickson. 600 $20 CASH BUYS FINE REMING ton, double-barrel, hammerless shot gun (with case) gun is in first-class condition. A bargain. Inquire at this office. 633 MONEY TO LOAN—See S. L. Ben ton for farm loans, on the optional payment plan, and at low interest, as he has charge of the loaning business while I am away from home. A. Adams. 562 LEARN TELEGRAPHY^Good sal aries. Operators in demand. Free catalogues. Actual railroad wires con nected with class rooms. Earn board. American Telegraph College, 1123 Produce Exch., Minneapolis. 637 MAKE YOUR HENS LAY—So far as we know, Prescription No. 4 is the only true laying stimulator that does not in any way injure the delicate organism of the laying hen. Positive results are guaranteed by the Nabob Remedy Co., and all their poultry remedies are sold by W. M. CHASE & Co. LOST AND FOUND. LOST—Small black purse contain ing five dollar bill, Monday evening between Majestic theatre and Semi nary or at Majestic. Finder leave at this office for reward. 657 Corrected Oct. 7, 181-1. Prices on creamery butter,Bour, brsn, abort* and apples are dealers' selling prices, all other are prices paid to producers. Wheat, No. 1 Northern 95c Wheat, No. S 9lr Wheat, No. S 86c Wheat, No.4 77c to 81c Wheat, rejected 68 Wheat, No. 1 Durum 85 Wheat, No. 3 Durum 82 Wheat, No. 8 Durum 76 Wheat, No. 4 Durum 73 Oats 33c to 37 Barley 34c to 4,2i »j 68c to 71 Flax $1.05 to $1.18 Barcorn 54c Plour, fane/ S3 40 Flour, straight $3 30 Sran $23 (K Short* $24.0f Potatoes 40c Beans $3 SO per bushel Cabbage, 3c per lb. Onions 2c Sgga 22c Butter, separator 23c to 25c Setter,dairy 21 Butter, creamery 26i to 28c Lambs $7.00 Sheep $4.00 to $6.00 Chickens 9c to 12c Seef cattle $5..0U to $6.00 Steers $6\00-to S7.CC Visal calrss $5.50 to $8.0( H'des 8c to 9 $7 25 to "7.40 GRAIN AND PROVISION PRICES Duluth Wheat and Flax. Duluth, Oct. 5.—Wheat—On track and to arrive, No. 1 hard, $1.08^ No. 1 Northern, $1.07% No. 2 Northern, $1.04%. Flax—On track and to arrive, $1.37. South St. Paul Live Stock. South St. Paul, Oct. 5.—Cattle Steers, $5.00@9.00 cows and heifers, $4.60@7.50 calves, $6.50@9.75 stack ers and feeders, $4.75@7.25. Hogs— $7.85@8.10. Sheep—Lambs, $4.00@ 7.25 wethers, $4.00@5.25 ewes, $2.50 @4.75. Chicago Grain and Provisions. Chicago, Oct. 5.—Wheat—Dec, $1. 08 May, $1.14%. Corn—Dec, 68y8c May, 70%c. Oats—Dec, 47%c May, 51%c Pork—Oct., $16.62 Jan., $19. 45. Butter—Creameries, 29c. Eggs— 19g22c. Poultry—Springs, 14@14%c fowls, 14%c. Minneapolis Grain. Minneapolis, Oct. 5.—Wheat—Dec, $1.07% May, $1.13J4. Cash close on track: No. 1 hard, $1.09^4 No. 1 Northern, $1.06©1.081/4 No. 2 North ern, $1.03@1.05% No. 3 Northern, »7%c@S1.02% No. 3 yellow corn, 64% @65%c No. 3 white oats, 43%@44c Sax, $1.38. Chicago Live Stock. Chicago, Oct. 5.—Cattle—Beeves, $6.50@11.00 steers, $6.15@9.00 stock ers and feeders, $5.25@8.25 cows and heifers, $3.40@9.00 calves, $7.50@ 11.25. Hog3—Light, $8.35@8.90 mix ed, $7.85@8.90 heavy, $7.50@8.70 rough, $7.50@7.70 pigs, $4.75@8.00. Sheep—Native. $4.75@5.80 yearling*, $5.50®6.25. Absent, Yet Swarming. "Some time ago Mr. T. P. O'Connor, one of the best known Irishmen in the house of commons, perpetrated an amusing "bull." "Are there as many absentee land lords In Ireland as there used to be?" he was asked. "My dear sir." Mr. O'Connor replied seriously, "Ireland Is swarming with them!"—Loudon Tit-Bits. I. OLSO N (Xdesnasd Bmbalme*) Office 309 Litchfield Av. W. 'Phoae ^aalitancA. I Flmt Strnnt. 'Phnnn 11S-J 11 ju- Wiggins Plumbing is Good Plumbing Professional Cards WILLMA BETHESDA HOSPITAL Corner Third St, and Litchfield Ave. 'Phone 282. Conducted By Mrs. Caroline Ostlund. •TA1TI 9*. M. a. rxost, Br. 9. O. JTaoosa Or. Christian Johnson. Doctor C.W. RICHES MEDICAL AND OSTEOPATHIC PHYSICIAN Specialist In Old, Stubbsrn Ailments. Such ailments as Appendicitis, Goi tre, Enlarged Tonsils, Curable Exter nal Cancerous Growths and many complaints of women are treated without the knife. Consultation and correspondence free Pleasant Home for such as desire 2832 2nd Ave. S., Minneapolis, Minn. Dr. F. B. COLEMAN Specialist. Eye, Ear, Nose and Throat Glasses Fitted, 'Phone 41 Office over Palace Grocery WILLMAR, MINNESOTA DR. C. E. ANDERSON E N I S Bank of Willmar Building Willmar, Minn. Telephones: Office 528, Ret 661L Office Hours: 9 to 12 a. m. 1 to 4 p. m. Also by Appointment. Dr. L. HARRISON Licened Osteopathic Physician Carlson B!dg. Willmar, Minn. R. W. STANFORD A W E Real Estate, Insurance and Collections. Office In Postofflce Building. WILLMAR, MINNESOTA OLSON & GRUE MONUMENTS Factory and Office on Benson Ave. between Oth and 6th Streets •Phone 455J or I63L. Willmar, Minn. A. R. Endersbe LICENSED Veterinary, Surgeon and Dentist Special Attention given to Vaccination of Hogs. I use only Government Inspected Se rum. Also Castration of Animals Office at Farmer's Feed Barn, Phone No J.2S Res. 703 5th St. Phone 4,81J Willmar, Minn. Dr. E. WANNER VETERINARIAN Office at Downs & Sanderson Feed Barn Day 'phone No 46 night 'phone 13 Wlltaar. Minn. AUCTIONEER If you intend to hold a sale, kindly come in and talk it over with me. Give me a chance to show you my work. Usual terms. A. W. WALL, Pennock, Minn. PARCEL DELIVERY Trunks, parcels, packages, letters, etc., called for and delivered to any part of the city. Prompt service. Charges moderate. Office Great Northern Express. Telephone 92. McCormick & McDonald LIVER Vbons 4*—One block south of dtvoi (First publication Oct. 7-4t) Citation for Hearing on Final Account and for Distribution. Estate of Nels Ekberg, also known as Nels O. Ekberg. State of Minnesota, County of Kandi yohi, In Probate Court: In the Matter of the Estate of Nels Ekberg, also known as Nels O. Ek berg, Decedent: The State of Minnesota to all per sons interested in the final account and distribution of the estate of said decedent: The representative of the above named decedent, having filed in this court her final account of the ad ministration of the estate of said de cedent, together with petition praying for the adjustment and allowance of said final account and for distribution of the residue of said estate to the persons thereunto entitled THERE FORE, YOU, AND EACH OF YOU, are hereby cited and required to show cause, if any you have, before this court at the Probate Court Rooms in the Court House, in the City of Will mar, in the County of Kandiyohi, State of Minnesota, on the 9th day of No vember, 1914, at 2 o'clock p. m., why said petition should not be granted. Witness, the Judge of said Court, and the seal of said court, this 6th day of October, 1914. (COURT SEAL) T. O. GILBERT, Probate Judge. R. W. STANFORD, Attorney for Petitioner, Willmar, Minn. END STOMACH TROUBLE, OASES OB DYSPEPSIA "Pape's Diapepsln" make* Sick, Sour, Gassy Stomachs surely feel fine in five minutes. If what you just ate is souring on your stomach or lies like a lump of lead, refusing to digest, or you belch gas and eructate sour, undigested food, or have a feeling of dizziness, heartburn, fullness, nausea,. bad taste In mouth and stomach-headache, you can blessed relief In five minutes. Put an end to stomach trouble forever by getting a large fifty-cent case of Pape's Diapepsln from any drug store. Tou realize in five minutes how need less it is to suffer from indigestion, dyspepsia or any stomach disorder. It's the quickest, surest stomach doc tor In the world. It's wonderful. Photos by American Press Association. They Figure In the Battles In the Air At top is shown a French armored aeroplane. In the lower picture is a unique gun used by the Germans to destroy aeroplanes. It Is mounted on a truck, and it is claimed that it can be timed and aimed accurately enougk to destroy the swiftest flying aircraft SVEA. Svea, Oct. 5—Services next Sunday at 10:30 a. m. and Sunday school fol-j lowing the services. The Y. P. S. will meet Friday eve ning, Oct. 16th. Professor Nelson of New London will be one of the speak ers. Everybody welcome. Mr. and Mrs. Sandness and Elvira Rasmusson visited school one day last week. Dr. Jacobs of Willmar was called out to the E. R. Swenson home one day last week on account of the ser ious illness of their son, Sigfrid. He is somewhat improved-at this writing. Mr. and Mrs. Ole Rasmusson and Mr. and Mrs. Sandness autoed to New London Tuesday to visit with the O. Kjos family. Mrs. N. O. Nelson and nieces, Beul ah and Blanche Benton and Mr. Peter Hanson of Willmar visited at A. O. Nelson's and E. R. Swenson's Satur day. P. O. Nelson and August Johnson have invested in new automobiles-the past week. Nels Hallquist left last week for his home in Montana. Mrs. Anders Johnson and niece, Dora Moline of Willmar visited at the August Johnson home a few days the past week. Mrs. Harold Nelson and Miss Ebba Person called at E. R. Swenson's Sat urday, P. N. Lindgren and daughter, Mabel and A. P. Johnson and family visited at the M. R. Swenson home Sunday. Mr. and Mrs. Faber and'two child ren have left for a visit with relatives in Iowa. Miss Mamie Westerberg has been dressmaking at Erick Moline's the past week. Mrs. Odell and Olive Nelson of Will mar visited at P. O. Nelson's Sunday. Mr. and Mrs. Ole Rasmusson enter tained some of their friends last Thursday in honor of Mr. and Mrs. P. M. Sandness of LaMoure, N. D. Henry Bjelkengren and Peter Strandberg and families .autoed to Renville Sunday to visit with friends. Mr. and Mrs. P. M. Sandness and Elvira Rasmusson left Friday for La Moure, N. D., where Mr. and Mrs. Sandness will make their home while Miss Elvira will teach at Kulm, N. D. Dak. Mr. and Mrs. August Lindblad and son visited at A. O. Nelson's Sunday. Mr. and Mrs. E. P. Johnson and son Lowell visited at Swan Nelson's Sun day. Mrs. J. A. Jacobson went to Will mar Friday after assisting at the Os car Lundquist home. NORWAY LAKE. Norway Lake, Oct. 5—Services were conducted in Synod church Sunday. Confirmation services were conduct ed in the Swedish Mission church last Sunday by Rev. Moline. A class of nine was confirmed. The Ladies' Aid of the East Norway Lake church will meet at Rev. Sot endahl's place next Thursday after noon. Money Halvorson and Oscar New land returned to Nevis, Minn., after visiting at the Johannes Halvorson home. Rev. Strand of Albert Lea is visit ing at Ole Hjerdet's place. Mrs. Ole Stene of West Lake visit ed at G. Stene's place last week. Rev. I. A. Johanson conducted ser vices in the Hauge church Sunday af ternoon. The Young People's Society of the Synod church will have a social in the church basement next Sunday evening. Mrs. Sethne and daughter, Mabel are visiting with Carl Syverson's and other relatives of this vicinity. Miss Alida Sundstrom who has been assisting Mrs. J. Halvorson the past few months, is visiting with Mae Stene. Melvin Swenson who has been laid up with a broken collar bone the past week, is now again able to use both hands. Mr. and Mrs. M. Engen visited at the L. H. Larson home Sunday after .noon. Mr. and Mrs. Sam Henjum visited at the P. Hatlestad home last Sunday. The Ladies* Aid of the Synod [church will meet at Olaf Negaard's place next Sunday afternoon. Drs. Qerretson A Hodgson, Dentists, Lonty Block. Telephone 199.-^Adv. STERLING SECURITIES ACCUSED GRAND JURY IN DICTS THREE OFFICIALS Late this afternoon the Grand Jury of Kandiyohi County brot in four in dictments in the Sterling Securities Corporation matter, when worthless stock was sold to New London people on the promise of starting a new bank. Three indictments on the charge of grand larceny in the first degree were brought against James J. Wise, H. J. Tremain and D. R. Morrow of Minneapolis, the complaining witnes ses in the three respective cases being A. J. Smithson, C. A. Geer and M. O. Oppegaard. -Another indictment was found against James J. Wise alone on the same charge, the complaining witness being A. J. Smithson. The accused were arraigned before Judge Qvale and the indictments read. The defendants pleaded not guilty with privilege of withdrawing plea and interposing a demurrer or motion to squashHhe indictment on or before Wednesday of next week. The grand jury is still in session. GRUE Grue, Oct. 6—Mr. and Mrs. C. A. Halvorson visited at O. Dengerud's near Svea from Saturday until Mon day. And. Fagerland and family made a call at A. Brecke's at Nest Lake Sun day. Miss Christine Olson left for Selby, S. D., Saturday, where she is engaged to teach school. Chas. Olson and son, Herman left for Osakis on business Monday. Mr. Oscar Jacobson left last week for Veblen, S. D., where he will remain for some time. Mrs. Chas. Olson and little daugh ter, Anna are at present visiting friends and relatives near Selby, S. Dak. Knut Thompson returned from Min neapolis last week. Mr. Oscar Larson from Willmar vis ited at the Risdall home from Monday until Thursday. Mr. Arthur Risdall is at present as sisting And. Fagerland with the farm work. The Misses Clara and Anna Olson, Mattie and Agnes Peterson called at the C. A. Halvorson home Sunday eve ning. Her Home. Some years ago, when a part of the Japanese imperial palare was burned at Tokyo, the empress was forewi to flee to one of the old daltnio bouses near by. It was not at all coniform ble, and. as the story goes, her niajes ty. appreciating that her subjects would be much concerned at her living in sucb a mean place, sat down and wrote them a little poem in which she denied that she had changed ber rest dence. The poem, which was in the best Japanese language, stated that her majesty's borne bad always been In the hearts of the people and that neither the flames nor the cold could ever drive ber from that dear abode. Bacon. If bacon is soaked in water for a few minutes before frying it will pre rent the fat from running. Co-Operative Farm Products Marketing How It Is Done in Europe and May Be Done in America to the Profit of Both Farmer and Consumer By MATTHEW 8. DUDGEON. (Copyright. 1914. WsstsA Newspaper union. (Courtesy of F. W. Wozencraft.) Inspection of a Danish Creamery. WHY CO-OPERATION SOMETIMES FALS Copenhagen, Denmark. Co-opera tion is not foolproof, consequently it does not always succeed. Inexperi ence, incompetence, and dishonesty will wreck any private business and they will, of course, wreck any co operative business. It is necessary therefore, for enthusiasts to remem ber that there is no mystic virtue in co-operation which enables it to tri umph at all times. Those of us who are trying to record what we have seen of co-operative business at home and in Europe, would not be treating the public fairly if we left the im pression that there are no failures among co-operative enterprises. Both at home and abroad there have been many failures. Certainly those Interested are entitled to know as much about its failures as about its successes. They are entitled to know also what causes have led to co-opera tive failure. Failures In America. Many co-operative stores organized with much promise have failed. Gen erally speaking gross incompetence has wrecked them. They are like other mercantile establishments in that they demand, as a condition precedent to success, skilled manage ment, good business methods, good ac counting, cautious extension of credit, as well as some special knowledge of the goods dealt in. If these qualities are absent failure Is inevitable. As the average co-operative store in America is organized its members are seldom bound by any agreement to do all their trading at the co-operative concern. They patronize it when it is to their Interest so to do. If the goods offered are poor, or if bad manage ment advances the price unduly, or if frequent minor mistakes occur, the members abandon the venture like a sinking ship. As I have said, co-operative stores in order to succeed must have skilled management, good business methods, good accounting systems, and must ex tend credit cautiously, all In addition to the special knowledge essential in every such enterprise. So far as I can discover, however, the stores which have failed have not only lacked one or two of these essentials of success but they seem often to have lacked all of them. More than once it has hap pened that a co-operative store com pany is formed because some store keeper has lost all his money in an unsuccessful mercantile venture and can secure capital for a new venture only in this way. Sometimes an am bitious farmer has organized a com pany in order that a son who has been away to business college and feels above farming may have a chance to earn a living without working upon the farm. It is characteristic also of co-operative American stores—and of other co-operative concerns in Ameri ca also—that they have seldom been willing to pay a salary sufficient to secure men of experience and skill as managers. When a co-operative store managed by a man who has a history of noth ing but business failures behind him, or by a youthful and inexperienced business college graduate, or by any other man of the low grade implied in the low salaries paid, comes into com petition with a competent, up-to-date, American storekeeper of the aggres sive vigorous type often found in even the smaller towns, the mere word "co operative" upon the sign in front of the store is not going to avert failure. It Isn't fair to expect too much of co operation. Co-operative Fruit Failures. Seldom, too, have so-called Ameri can co-operative companies been co operative in the true sense of the word. I have in mind one co-operative fruit marketing society which failed largely because it was organized on the joint stock basis and administered as are other non-co-operative corpora tions. A few ef the larger sharehold ers controlled it. The interests of the minority were ignored. They became jealous and suspicious and accused those in control of dishonesty. Finally they demanded that the officers give a full report of all their financial transactions and that an auditing com* Hamlat In South Africa. It can hardly be expected that "post Impressionism" will be confined to pic tures in the future. A friend of mine writes me from South Africa that some genius out there has done "Hamlet" in the Taal and quotes the following ex ample, which seems to me extremely post impressionistic. Here it is Hamlet-Wie is u? Ghost—Ik is enn spook. Hamlet—Wies spook is u? Ghost—Ik is yu papa's spook.—New York Sun. mlttee be appointed. The officers fool ishly and arbitrarily refused to con cede even an audit unless they them selves selected the committee. Then, these smaller storekeepers demanded that the one man vote principle be applied so that for the future they might protect their own interests. This also was denied them. The only course possible seemed to be a separa tion and the smaller stockholders withdrew, the larger stockholders buying out those who did not care to stay in the concern. While this socie ty did not fail from a financial stand point, its record is of course to be cited as that of a co-operative concern which did not succeed in the best sense of the term. The small shareholders of this 60-s ciety later formed another co-opera tive society, organizing and adminis tering it, you may be sure, upon a purely co-operative basis, adopting the one man vote plan, and providing that no dividends be declared upon shares but that all the profits go to those who grew the fruit in proportion to the amount furnished to thhe company by each. Greed Causes Another Failure. The experience of a Minnesota co operative warehouse elevator* was somewhat different. As originally or ganized and managed by the farmers, it was a success, all the profits were distributed back to the producers as. an additional price upon the grain de livered and the farmers loyally sup. ported it. Later, however, the shares' of stock became centered in a few business men who were not grain growers. These men held a major* ity of the stock and were in ful) control. They began squeezing down the prices to the producer until they were paying him no more than the privately owned elevator companies paid. The trustful farmers continued to deliver their grain for a time and the business men in control received a forty per cent dividend. At the end of the year, however, the farmers real ized that they were being imposed upon and the next year abandoned the project, and hauled their grain else where. As a result this co-operative effort which had been at first an exi ceedingly profitable venture became so absolute a failure that it was with difficulty that the shareholders disc posed of their building and equipment. European Failures. There have been failures in Euro pean co-operation also. Tou cannot talk co-operation in Germany long with anyone familiar with the general situation without having your atten tion called to the fact that co-opera tion has received one black eye. Tears ago the government, anxious to aid in the marketing of grain, devoted a. considerable amount of money to the, erection of elevators or "corn houses," loaning the money to local co-opera-i tive concerns whose organization it fostered and supervising the erection in each case of a rather Imposing structure. It would seem that the government generously tempted the promoters to unreasoning extrava gance. "How could you expect our people to calculate closely when they had this heap of unearned money forced upon them?" one man re marked. Everything was done on a costly scale. The storehouses were too big. They were not carefully lo cated. Into these concerns crept, also a desire to speculate, to corner the grain supply, to do in Germany what Leiter was reported to have done,in America,—to capture the grain mar ket Everyone persuaded himself, it Is said, that he was going to grow rich by appropriating by degrees the wealth thus to be gained. They had heard that there were great corners in the United States, and by buying and storing grain men had made enor mous fortunes. There was to be gold for everyone who wanted it A careful study of the situation has revealed the absurdity of the situation. Those who controlled the warehouses could not control to exceed, one-twentieth of the supply of grain grown la Germany alone. COURAGE. Cultivate the spirit of courage. The timid man loses opportunities and is almost always a failure. Do not be timid. A great deal of tal ent is lost in the world for the want of a little courage. Every day •ends to their graves a numbet of obscure men who have remained obscure only because their timidity has prevented them from making a first effort. The general concensus of German opinion seems to have been that two eauses contributed to the failure first, state aid, which seldom really helps a co-operative society, ruined these projects by encouraging the construe* tlon of warehouses which were either not needed or, which were bigger than aeeded second, the members sought to make money out of them instead of using them simply to prevent waste in shipping. Bank at Nieder Mabau. In 1874 at a German village of some 620 inhabitants local tradesmen formed a loan and savings bank. From the very first they forgot that cooper* ative credit banks are primarily formed to lend money only to those lo cal members who will use it for lo cal purposes. They were too anxious to get rich quick. By a promise of ex ceedingly high rates of interest they attracted patrons from the most re mote points until there was on de posit in this little village cooperative bank almost $1,000,000. Such an amount of money was of course far in excess Of any needs which the mem bers themselves might have as bor rowers. Consequently the bank be gan to do business with outsiders. Funds were so plentiful and the de mands relatively so small that it grant ed to its debtors extensive credits. It became known that credit could easily be obtained at that village bank and speculators far and near flocked to it It risked its money in financial schemes outside the limits of the Til*. lage. The cashier, who had no particular fitness for the position, also had charge of church funds and other publlo funds. Besides this, he was conduct ing a large business in a hotel. There seems to have been no one on the board of managers of any particular business judgment or ability. Even integrity was not present for the cash ier ended his year with forgery and was sent to prison. It was not sur prising, therefore, that in December, 1911, the Nieder Mabau Loans and Savings bank was declared insolvent the natural results of undue greed, of the spirit of speculation, of incompe tence, and of dishonesty. Co-operative Bank at Darmsfed. More recently the co-operative ag ricultural bank at Darmsted, formed in 1882, reached a point where it was unable to meet its obligations. Its situation was almost the same as that of the Nieder Mabau bank, al though it operated upon a much larger scale. In connection with this bank there was also either gross incompe tency or dishonesty. In one case, for example, over a million dollars was invested in a mine that could not be worked. Other equally hazardous en terprises were financed by this con cern contrary to all principles of co operative credit and equally contrary to all rules of sound finance. "Co operative banks are not foolproof," and of course the co-operative bank at Darmsted failed. I Co-operation may fail even in Den mark, the country in all Europe most completely organized for rural busi ness. There a brilliant public man got in the good graces of those inter ested in cooperation and promoted a scheme for uniting many cooperative societies in one big concern. Here there was not so much incompetence as dishonesty, and the venture ended in financial failure for the members—* and in imprisonment for the dishon est promoter. Causes of Failures In America. Co-operative failures so far as Amer ica is concerned are traceable large* ly to these causes: In the first place it has always been difficult for the American to compre hend the fact that cooperative con cerns are not money making, divi dend declaring, profit producing con cerns. They do not seem to realize that the sole excuse for the existence of the cooperative organization as a middleman is in order that a middle man's function may be performed without waste and without profit In the second place the epirit of the American farmer is not sufficient ly unselfish. He has been operating for so long oh the competitive basis that it is difficult for him to acquire a spirit of unselfish loyalty to the spirit of the organization to which he belongs. If an opportunity presents it self under which he can net a profit by abandoning the cooperative soci ety and dealing with a private dealer, he embraces it at once, without realiz ing that in the end this will ruin hia co-operative concern and leave him in the hands of the privately owned dealer who has been for generations working him for large profits. In the third place, practically all the American concerns which have failed have been organized on the joint stock plan. With the voting power distributed In proportion to the cap ital invested it has often occurred that the interests of those who were in control of the majority of the stock were antagonistic to the interests of the smaller stockholders, who con tributed to the success by bringing in a large part of the produce handled by tbe concern. As a result the pol icy of the coopefhtive concern- has often ignored the interests of the producer if the concern was a market ing one, or the interests of the dis tributee if the concern was a distrib uting organization. In the fourth place, the American, faimers have not yet had a sufficiently far-seeing vision to realize that it often pays to invest a considerable salary in a skilled maanger. They hesitate to pay a salary which would demand the attention of anyone who had suffi cient experience and skill successfully to manage the business. As a result, co-operation has suffered from ignor*. ance and mismanagement Judging a Cow. A cow with a bright eye Is to be pre ferred to one with a dull appearance. She will tend to business more than the other also the one with large nos trils is to be preferred because the large nostrils lndicate_ibat she will al ways have a good supply of air to op erate her lungs and so her other bodily functions will be performed promptly and regularly. A good cow will have short legs, and they will be smooth and without extra meat—Farm and Fireside. 4 1