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THE LEADER-ENTERPRISE.
And Press
o T
Monday, Wednesday and Friday
. By
The Li.eader Publishing Co. °
ISIDOR GELDERS . ... .. ... .Managing Editor.
One Dollsr and Flifty Cents Per Year
Entered at the Post Olfice Fit~cserald, as Second Class Mail Matter
Under Act of Congress, March 18th, 1897
OFFICIAL ORGAN gity of Fitageralaiana
Rates for Display Advertising Furnished on Application
Local Readers 10c per Line for each insertion. no ad
taken for less than 25c.
PLAIN FACTS ABOUT THE RURAL CREDITS BILL
We present herewith a complete analysis of the Rural Credits
bills as passed by Congress and which will become operative within
a short time. The essential need for Georgia is to pass the Torrens
Land Title bill, so that our land owners can secure what benefits may
be derived from this measure. A careful reading of the main features
of the bill will disclose the fact that the land owner, of large or small
farms, can secure loans of from $lOO to $lO,OOO at an interest not to
exceed 6 pex cent payable, annually for a term of years ranging from
5 to 36 years, at the option of the borrower.
The rural credits bill will be expected to do for the landowner
what the Reserve Banks are doing for the commercial borrower, a
government-backed clearing house for fafm mortgages.
“l. The rural credits board located in Washiugton, com
posed of three members, has complete control and supervis
ion of the rural credits banks.
“2. The United States is divided into twelve districts,
The twelve banks, located centrally in these districts, are
known as federal land banks. The minimum capital stock of |
the federal land banks is $750,000. The stock in tie federal
land bank is placed on the market for sale. If not purchased
in ninety days the government purchases the stock sufficient
to finance the institution. The government will not share in
the profits. The stockholders of the federal land banks share
in the profits, {
“3. Local organizations arc authorized and chartered.
These local organizations are known as national farm loan
associations. The national farm loan association is com
posed exclusively of borrowers. No person not a borrower
cam become a member of the farm loan association. Ten
Farmers desiring to borrow can organize this association.
The memmbership is unlimited, hut must contain not less |
than ten. The local association shall elgct five directors. |
The association shall also elect a president, vice-president,
loan committee of three and a seeretary-treasurer. No offi
cer of the local association shall receive a salary except the <
secretary-treasurer. |
“Loans are secured by organizing a national farm loan as- |
sociation composed of ten or more farmers desiring to secure |
loans. The minimum loan i 8 $lOO, and the maximum is $lO,- |
000. The borrower is required to make application for loan
accompanied with subscription for stock in the local associa
tion. For this stock he pays five dollars a share. One share
authorizes loan of $lOO. If a borrower desires a loan of $l,-
000 he must purchase ten shares, or $5O worth of stock.
This purchase of stock is not a cash transaction unless bor
rowers so desire, but is added to the loan and paid with other
deferred payments. The application, substription of stock
and description of land is forwarded to the federal land bank.
The federal land bank orders an examinawmon of title and ap
~ praisement of the land. If the appraisement is satisfactory
and the title good, the loan is made and the money sent to
the secretary-treasurer of the local association to bepaid to
borrower.
. “The borrower may secure 60 per cemt of the value of the
- land and 20 per cent of the value of the improvement on the
land, making a total of 80 per cent. The amount of interest
- depends on the salke of the bonds. In no case can the interest
exceed O per cent, and it is expected that the rate will be less.
The deferred payments may be ffom 5 to 36 years, as desired
by borrower. 3 :
The amortization plan provided in the bill will be easily
understood by the following table, showing loan on $l,OOO
. for 20 years at 6 per cent: :
Total Interest Amount of
-annual . annual at 5 per paid on principal
periods. payment. cent. principal. still unpaid
1 . $80.24 $50.00 $30.24 $969.76
2 80.24 48.48 3475 938.00
3 80.24 46.90 33.34 904.67
4 80.24 4423 . 35.01 869.66
S 80.24 4348 36.76 832.90
6 : 80.24 41.64 38.59 79431
7 80.24 39.71 o P amm
8 80.24 37.68 42.55 71123
9 : 80.24 35.56 44.68 666.56
10 80.24 33.32 4691 619.64
11 80.24 30.98 49.26 570.39
12 80.24 2851 SII2 518.67
13 ‘ 80.24 25.93 54.31 464.36
14 _ 80.24 23.21 57.02 407.34
15 80.24 20.36 59.87 347 46
16 80.24 17.37 62.87 284.60
17 80.24 » 14.23 66.01 218.59
18 80.24 10.93 69.31 149.28
39 80.24 7.46 7278 76.50
20 80.24 3.82 76.50 i
“Toml - 3160680 SGOAM SIOOOOO
T “It will be seen by this calculation on the amortization
plan that $1,604.80 will pay both principal and interest, just
~ $4.80 '‘more than 6 per cent interest for 20 years, with the
principal still unpaid, the difference in the two plans being
$1,004.80 less by the rural credits plan than the present long
. loan plan by which they are getting their money.” |
THE LEADER ENTERPRISE AND- PRESS, WEDNES DAY, MAY 31, 1916.
NEXT LEGISLATURE HAS
OPPORTUNITY OF PRO
MOTING THE' HEALTH
OF THE STATE.
(By Emory R. Park, M. D.)~
“The protection of the public
health is the first duty of a states
man,” said Disraeli, and. Glad
stone well said that “upon the
health of the people depends the
wealth of the nation.” There are
many opportunities open to the
statesmen of the coming legisla
ture in the direction of promoting
the public health of Georgia.
Among them are the following:
The vital statistics law was
passed in 1914, but no appropria
tion has yet been made for the
carrying on of the work. This
unfortunate circumstance should
be corrected without further de
lay. There are also certain chang
es which should be made in this
law, for, if it is put into opera
tion as it % now written, it will
entail unnecessary hardships up
on the people and be unnecessar
ily dithcult and expensive to oper
ate. This wi#l resuit in making
the law unpopular and in very
Jlow-grade statistics. Morbidity
statistics are of greater value to
public health workers than are
mortality statistics; yet, no men
tion of colleeting morbidity stat
istics has been made. The fol
lowing wil show the advantage
of morbidity over mortality re
ports:
1t there are, for instance, ten
cases of typhoid fever occurring
in a community and eight get
well and two die, mortality re
ports would only show the ones
that perished; morbidity statis
tics however, would show all ten
cases. By all means morbidity
statistics should be collected as
well as statistics of mortality.
England and Australia freed
themselves of rabies by pasisng
and enforcing dog mamzzling acts,
and they place imported dogs in
quarantine for a sufficient length
of time to determine whether or
not it will be safe to let them
roam at large. Dog muzzling acts
are not only valuable for the pro
tection of humans against hydro
phobia, but also animals as well.
‘Many dogs, under present condi
tions in Georgia, develop hydro
lphobia and die horrible deaths or
‘arc killed and beheaded. During
thé past three years there have
been 2,765 Georgia citizens treat
ed by the State Board of Health
laboratory for mad dog bites, and
there have also been 498 animals
that have received treatment.
There is no way to tell just how
many animals have had to be kill
ed throughout the state as a re
sult of our not protecting them
against this malady. It is clearly
}high time that we were doing
something toward freeing our
lstate of this scourge.
Water pollution occurs in di
rect ratio to density of popula
tion. There was a time, perhaps,
when all our water supplies were
oractically pure, but with the in
crease of population has come in
crease in water pollution, and this
pollution will continue to increast
as tirae goes on until our drinking
water will be little better than
sewage unless adequate steps are
taken {o prevent it. The State
Board of Health should be given
the necessary power and funds to
enable it to safeguard the water
suplies of the state.
Smallpox has become so wide
spread that it is out of the ques
tion to try to put it under control,
|much less stamp it out, by quar
antine (by “pesthouses”). The
situation in this matter has about
resolved itself into: be vaccinat
ed or have smallpox. Germany,
that great exponent of efficiency,
has stamped smallpox from her
empire by a compulsory vaccina
tion law. If this can be done in
Germany it can be done in Geor
gia. g
This state is spending $30,000
Yyearly for the maintenance of an
academy for the blind. This is
all well and good in so far as
it goes, but would it not be a
splendid thing to go to work and
eliminate the causes which make
the existence of such an academy
necessary? Over 50 per cent of
all blindness is preventable. Why
not prevent it? States and cities
clsewhere have laws dealing with
this great economic and humani
tarian problem, and they support
such laws” with adequate funds.
THOUSANDS VIEW THE"
BODY OF JAMES ]J. HILL
Funeral Will be Marked by
Simplicity
St. Paul, Minn., May 30.—Sim
plicity will marke the funeral of
James J. Hill, pioneer railroad
builder, who died at his home
yesterday. The iiill home was
opened to employes of the Great
Northern Railroad this afternoon
and the fact that ioday is a holi
day made it possiblbe for most of
the several thousand empinyes ot
the company here and in Minne
apolis to view the body.
Funeral services will take
place at the home Wednesday at
2p. m. The Right Rev. Thomas
J. Gibbons, vicar general, will
have charge of the services. The
funeral will be public.
All day and through the night
messages from all sections of the
country were received by the
family. They came from railroad
presidents, financiers, civic and
state organizations and political
leaders. All expressed grief at
the loss of one of the nation’s
most widely known men.
PRICE WARNS FARMERS
OF RATE RAISE
Atlanta, May 30.—A warning
to the farmers to arouse themsel
ves to the danger confronting the
agricultural industry of Georgia,
under the proposed increase in
freight rates, sought by railroads,
was being prepared Thursday by
J. D. Price, Cpmmissioner of
Agriculture.
He expects to urge upon the
‘armers the necessity, for their
own welfare, of protesting to the
Railroad Commission of Georgia,
on June 26, when the petition is
icard, against an increase.
He will call attention to the
fact the railroads have becn in
strumental in developing agricul
wre of the state through test
farms, giving premiums and fur
nishing blooded stock for breed
ing purposes. But just as soon
as the farmers begin to benefit
from diversification of crops, the
railroads propose to overburden
them with freight rates, Commis
sioner Price will warn Georgians.
SAVANNAH ARRESTS
- FOR SELLING “BUCK”
Savannah, Ga., May 29.—0 n
warrants sworn out before Judge
Samuel A. Cann, of the municipal
court, Sheriff Merritt W. Dixon
today arrested George R. Benton,
manager of the Savannah Hotel;
Mr. Durden of Durden & Powers,
proprietors of a pavilion and res
taurant at Tybee; and ¥Frank Ciu
cevich, proprietor of the Ocean
View at Tybee, chafged with vio
lating the prohibition faws in sell
ing “Buck,” an alleged substitute
for beer. Each made bond for
$5OO.
Sheriff Dixon said he made *o
arrests under the ruiing of SoW
cftor-Genaral Hartridge to the ef
fcct!hat the sale of “Buck” vio
lated the prohibition law.
“Buck” is made in Chicago, and
has been sold in Atlanta, Augus
ta, Macon and elsewhere in Geor
gia, without its being held illegal.
Mr. Durden today said that City
Bacteriologist Bassett had analy
zed “Buck” and had reported it
within the law.
Mrs. Tom Hendricks, of 415 W
Pine st., was called to Penfield,
Ga., yesterday on accont of her
father suffering a stroke of paral
ysis.
Georgia should do likewise. 5
It is a well known fact that
mouldy cereals will kill animals,
and it is also believed by leading
authorities that diseased corn will
destroy human beings. This be
ing so, it would seem the part of
wisdom and humanity to require
an inspection of all grain which
is offered for sale in order that
the people and their live stock
may be protected against danger
from this source. Italy, Austria,
France and some states in this
country have taken steps in this
direction, and it is to be hoped
that Georgia will soon follow suit.
The work that is already being
undertaken by the State Board
of Health could be greatly ex
panded to the ultimate bencfit of
the people were the appropriation
to this Board materialy increased.
A commercial enterprise operates
on a large or small scale in ac
cordance with the size of its re
sources ; and so it is with a State
Board of Health—its work is
commensurate with its appropri
ation. : - ‘
THE DROUGHT IS BROKEN
But Too Late To Save Early Gardens
Your only Chance to Enjoy Fresh
Vegetables is to
Plant a Fall Garden
Our Seed Sto’clg,_is Fresh
Denmark Drug Co.,
Drugs, Seed and Stationery
The :Re/xa.éfi Store
With Qur Advertisers ‘
New line of awning striped
pongees for those pretty striped
skirts at Churchwell’s.
I was in the Empire Store this
morning and saw them putting
on a great reduced price the
prettiest edgings, insertions and
beadings in swiss and heavier
embroideries. This is a good
time to buy trimmings for dainty
underwear. Also the dainty, fine
embroideries for the baby’s
clothes.
The writer in passing McCarty-
Johnstone’s window this morning
took particular notice of a card
calling our attention to the fact
that they have oniy six Spring
coat suits in stock, and for any
one going away or intending tak
ing a trip, seems as though the
price, seven dollars and ninety
five ‘cents, would appeal to you,
the economizing lady, to her
husband’s delight.
“TIGERS” AND SLEUTHS
-IN BATTLE OF WITS
Atlanta, Ga., May 29.—A cen
stant contest of wits goes on be
tween the detective department
of Atlanta and the blind tigers
who devise aMI manner of schemes
for evading the new prohibition
laws.
One of the latest tricks inwent
ed by the blind tigers is to trans
port liquor from place to place in
large milk cans. Two detectives
standing on Decatur streets saw
a couple of negroes with a milk
can, and they thought the can
smelled more like liquor than it
smelled like milk. Accordingly
they stopped the negroes and
made a careful examination
which verified their suspicions.
. Following the negroes to the
place where they were going, the
detectives discovered a large sup
ply of corn liquor put up in pints
and half pints; and the negroes in
possession of the. moonshine gave
the officers the location .of a dis
tillery in the north of Fulton
county where white ligthning had
been produced in large quantities
every day since May 1. ;
Another smooth scheme that
was not quite smooth enough to
get by the blind tiger squad, who
have developed a remarkably
keen sense of smell where liquor
is concerned, was the transport
ing of liquor in the gasoline tank
of an automobile. The negro
driving the car would fill only his
emergency tank with gasoline,
and put liquor in the main tank,
which he dispensed at so much
per drink and so much per pint.
The Man Who
* Advertises
Wisely
Advertises Well
C oOdd Fellows
0. Building
Another |
new
Shoe
Stock
Ladies’ Oxfords & Pumps
Childrens Oxfords & Pumps
Men and Boys Oxfords
White Pumps for all
$l5OO Worth
New Shoeg
at a Saving to you of 50e
to $2.30 per pair.
Selz |
Royal
Blue
Shoes ! |
In the season’s new styles.
Don’t puat off—Come " this
week!
Auction
Sl aele
Saturday at 11 a. m. and
3 p. m.
You make the price!
Odd Fellows Building
The Big Store Corner
of Main and Pine Sts,
THE LEADER - ENTERPRISE
GETS THERE. ARE YOU IN IT?
%
Tomato Plants
Earliana Beauty Globe Stone
' Extra fine plants. Eight
weeks old tint fruit, bud
formed. 100 75¢: 200
$1.25; 300 $2.00; sent by
Parcel Post, postagepaid.
Nancy Hall, Triumph, Bunck
and Yellow Yam sweet Pota
to Plants: 500 $1.26; 1000
$2.00, postage paid. We
fill orders “daily” in April.
EVERCREEN PLANT FARM.
EVERGREEN, ALA.