THÂ» CHILUOOTHJS iAli,* OOWSllTD'i'iow FRIDAY, OCT. 27,1916. WIFE TOO ILL TO WORK fiardii er N BED MOST OF TIME er Health Restored byLydia E. Pinkham's Vegetable Compound. idianapolis, Indiana. -- " My health so poor and my constitution so run down that I could not work. J was thin, pale and "weak, w e i g h e d but 109 pounds and was in bod m o s t of the time. I began taking Lydia E. Pink- hain's V e g e t a b l e Compound and five m o n t h s l a t e r I ed 133 pounds. t Â»VeleÂ£,LlUU O..JO }JUUI1U3. J I do all the house c and washing for eleven and I can ifully say Lydia E. Pinkham's Veg- lo Compound has been a godsend s for I would have been in my grave f but for it. I would tell' all wo- sufferi-ns as I was to try your valu remedy."--Mrs. WM. GREEN, 332 Idison Street, Indianapolis,Indiana. ere is hardly a neighborhood in this try, "wherein some woman has not d health by using this good old- ioned root and herb remedy. there is anything about which vou d like special advice, write to the a E. ^nkham Medicine Co., 1311.1, 5. A, C. Hammond, Editor. M. M Hammond, Sec-Treas. J. Merritt Hammond, PuVith-.r COURIER PRINTING COMPANY FubLshrrs of The Carter County Courier and Qzark Farmer Commercial and Office Pi mtm^ GRAN DIN, MO,, OCTOBER 7-16. Col. Fred D. Gardner, St. Louis, Mo. My Dear Sir: As there seems to be a difference of opinion regarding the Gardner Land Bank Bill, some having one view of it and otheis having another I view, I wish you would give me for publication the following synopsis: j If the H i l l as passed is constitutional, why an amendment to the cons t i t u t i o n 2 If not exactly in harmony with the consLHution, wheiein is the d i f f i c u l t y ? AVill the Gardner Land Bank Bill if earned at the general election be put in effect in case the State administration should change to Republican? Please define in a brief way, how loans are to be repaid, I mean -what percent each year will be r e q u i r e d to repay the loan and the interest on a 25 year basis' 3 The above questions are the very important ones touching on the Bill and if the newspapers of the state reaching the rural clement can get a simplified explanation of the matter and get it to the farmer there is no doubt but what the Bill will carry and your success wiH be assured by an o v e r w h e l m i n g majortiy. Awaiting your pleasure I am yoiirs very truly, A. C. HAMMOND, Editor and Pub. QUICK REPAIRS Av"hy wait three tkiys, when I can make it ni ono hour? $ o XVhy pay two profits, when you v can bui 1'iom the t a c t o i y ? T n i i D I I P A T C Send, the bioken glass, i J u U r U U A l t x guarantee an exact j Â·ate w i t h o u t your presciiption. i es lepaned also, j I'/ULUJN K l n U i sum! over one imi- ands of lenses fiom the rough glass, and see. ftnnCDC Pack all the broken parts WiWtfiO 1(1 a. ^tiong 1 boT. I return s same day by paicel post C. O. T). St possible charges. G. W. PALM = EC1ALIST IN O P T O M E T R Y S Webster St.. Chilllcothe, Mo. s: O ffll ~' 1 908. Residence, 1450M Closed ETery Tuesday UE FRIENDS CAN ? ANYHING YOU CAN 'E THEM-- EXCEPT YOUR PHOTOGRAPH Vatton tudio tfORTH SIDE SQU. Over Sipple's. QUALITY SERVICE D US YOUR KODAK en You Have ed $50 lestion arises- "How I invest it?" There is tier Tray than in a Cer ,e of Deposit-in The Git- National Bank of Chile, Â·whose resources of )00.00 give you assur- }f absolute safety. rtiCcates of Deposit are 1s- sums of $50 and upwards. ;ar interest at the rate of 3 t, and are renewable at the six or twelve months, want security for your sav a absence of all expense or incident to mortgages stocks, etc. ' A CERTIFICATE OF DEPOSIT strong bank. tiflcates are readily oegoti. 1 as collateral security are 'ed. se who have saved some ind desire a regular in eo from the annoyance and it other forms of invest- e strongly recommend our te of Deposit. e Citizens ional Bank Federal Reserve Bank, '. S. DEPOSITARY I onstltutlon TVant AO. SHOE POLISHE BLACK KEEP YOUR SHOES MEAT TheF.RDALLEY Co.Utd-Buffoto.NY OCTOBER 11, 1916. Mr. A. C. Hammond, Editor Courier Printing Company, Grandin, Mo. My Dear Hammond: Have before me your favor asking for light on the subject of Gardner Land Bank Bill and will try to respond. You ask if the bill as passed by the last legislature is constitutional, and if not exactly in harmony, wherein is the difficulty? At the time that the bill was before the legislature, some of the leai necl members of the legal profession called attention to Art. IV. Sec. 46''of the State Constitution prohibiting the grant of public money and suggested that said constitutional provision prohibited the granting of one million dollars to the State Land Bank. It was answered at the time t h a t the one million dollars would continue to be in the possession and control of the Slate and would not j have been granted away "within the meaning of the Constitution The State Land Bank being a part of the State Government it was thought it would simply be the depository of the money for use of the farmers of the State and would always be subject to the control of the State. For that reason it was thought that the Constitution did not apply and therefore the bill was passed and signed by the Governor. But some of the lawyers still looked wise and expressed doubts. Attention was also called to Art X. Sec. 7 prohibiting exemption from taxation. The learned lawyers suggested that the proposed exemption of bonds in the Land Bank Bill was contrary to said provision. It was answered that the farmer paid taxes on the land and that furthermore exemptions of the same nature were already allowed by law. But the constitutional lawyers still looked dubious. Attention was also called by.the followers of Blaekstone to Art. XII Sec. 26 of the Constitution coverrng the creation of banks. It was t h o u g h t that the Land Bank Bill might infringe upon same. But it "was contended that said provision applied only to banks of issue and could not affect land bank of this character, which was not one of issue. To satisfy everybody and so as to clear all question, a constitutional amendment ha_s been submitted by initiative petition signed by more than 45,000 qualified voters. I trust that the foregoing definite statement will explain the legal difficulty. You ask, "Will the Gardner Land Bank Bill if carried at the general election be put in effect in case the State administration should change to Republican?" To such a question I can only answer that the Republican candidate for Governor has declared repeatedly that there is no need for the land bank act and if hÂ« feels that way about it he would undoubtedly find many difficulties in the way of establishing the State Land Bank and it might not be good for the people of the State to put such an important trust in his hands. It is the experience of mankind that he beat fulfills a trust who is heart and soul for its accomplishment. , You write, "Please define in a brief way, how loans are to be repaid, I mean what per cent each year will be required to (repay the loan and the interest on a 25 year basis?" The principle and effect of amortization is well worth considering By amortization we mean the absorption of the principal debt white paying the interest-and all other charges during the term of the, loan. It is the experience of every farmer, or merchant, for that matter, that after paying interest for many years, the principal debt still stares him in the face. In tbe meantime the note has been renewed, more than one bonus paid, title investigations and numerous other little expenses have bee"n incurred, the total of which may amount to as much or more than the principal debt and at the end of a number of years, the original loan is still unpaid. Under the amortization plan of the State Land Bank this harrowing state of affairs is overcome and avoided. The trials and tribulations of renewal at the bank or from some private individual are done away with. The borrower makes up his mind in advance as to the necessary time which he wants for paying off the loan and arranges his payments accordingly. Under the provisions of the Land Bank Act he can borrow for five years or twenty-five years or any intermediate period Under the plan which is advocated a total payment of 6?4 per cent of a 25 year loan is paid annually by the borrowÂ»r. This flj/l per cent covers interest of 4% per cent, all expenses of the loan and a part of the principal, so that at the time of final payment of the last 6J/4 per cent of the loan, the total debt is complÂ«tely paid off. To 'illustrate: Smith seeks to borrow $100.00 and wants 25 years in which to pay it off, principal, interest and all charges of every character. He makes this statement to the manager of the State Land Bank and the manager immediately figures up all the mathematical problems connected with it and same will show that the borrower must pay $6.50 annually, that is, 6)4 per cent of the original amount borrowed, and that such payment will wipe out the total debt at the end of the loan period. Of course, the same principle will apply for $1000 or $10,000 as borrowed. It is a very easy and simple plan and meets the unavoidable necessities of the farmer. The merchant in the transaction of his daily business turns over his capital many times and often borrows from Peter to pay Paul. If he has borrowed $100 or $1000 from the bank on six months time he can always meet it from the resources of his business. But the farmer relies upon his crop returns and the crops may fail once, twice, three times and even oftener. There may be a succession of bad seasons, of "excessive rains, of droughts, of overflows, of boll weevils and of many other things that happen to the farmer. Al! of which of course will make it impossible for him to meet his note and he has not the resources of the merchant to fall back upon. The principle of amortization, that is, paying the principal loan along with the interest and other charges, has been developed to the highest degree in European countries, especially in Germany, Belgium and Ireland. It was found in those countries that the system of small payments for a long term met the conditions and requirements of the farmers and the system was put into effect many years ago. Our system of 3 to 5 year loans is a burden instead of a relief to the farmer. It simply brings him into great difficulty and offers him tip as a lamb to be sheared by the money shepherds, who are always looking for renewals at an extravagant rate of interest and at oppressive bonuses. It might be mentioned here that loans to farmers in Germany and Sweden generally run 56^i years, in Switzerland, 57 years, in Denmark, 60 years and they run as high and as long as 68^ years in Ireland and 75 years in France. . . , The plan and principle of amortization cultivates thrift in the mind of the farmer and gives him the opportunity to work out his own salvation without excessive burdens and along lines of his own choice and suited to his' situation. . I trust that foregoing statement will somewhat clear the brush. But for campaign purposes our adversary -will continue to conjure up other eviU doubts and fears until the final victory. * 1 am with highest regards, Sincerely yours, -- FREDERICK D. GARDNER, I will sell at Public Auction at my !ann 2 1_4 miles west and 1 mile south of Av.'lon, on Thursday, Nov. 35-HEAD CATTLE-35 G SHORTHOR.S' MILCH COWS. 12 two-year_old SHORTHORN IJSirERS, 10 of them giving milk 2 Short Yearling STEERS. 1 'Yearling HEIFER. 14 early SPRING CALVES, steers and iicifcrs. TlilWIS MADE KXOW.V ON DAY Op- SALE. SKRl'KO OX GRO0JSTBS SAX.E TO COMMENCE AT 1O A. M. A. W. CIES, Auctioneer CHARLIE BLUE, ClerL- E. W. Dozvell OWNER. PUBLIC SALE I will sell at Public Axiclion 3 1-2 miles west ol Avalon, and 30 1-2 railed southeast ol Chillicothe, on Monday, Oct. 3O 4 HEAD HORSES i ' 1 Bay Mare, 12 years old, wt. 1400 Ibs. 1 Black Mare, 5 years old, weight 1100 Ibs. 1 two-year-old TJorse Colt. 1 Black Mare, smooth mouth. 18--HF/AD CATTJVE--18 , 1 Red Poll Angus Cow. 1 Red Shorthorn Cow, 5 years old; 1 Red Shorthorn Cow, 3 5 ears old; 1 Roan Shorthorn Cow, 3 years old. 1 Red HeiCer, 2 years old. 1 Red Cow,. 4 years old. 1 Jersey Cow, 4 years oil 1 Jersey Cow, 5 years old. 1 Holstcm Cow, 3 years old. 9 head oC Spring Calves. 3--HEA15 HOGS--3 1 Sow with pigs by side 2 Sows t o farrow by day of sale. HAY AM GRAIN. About 10 tons oÂ£ Timothy Hay in stack About 60 shocks of Fodder; not shucked. CHICKENS--75 Leghorn Hens; about 40 Rhode Island Red Pullets. 1 Galloway Cream Separator, 950 Ib. capacity. 1 Kimba.ll Orpran and many other articles too numerous t 0 mention. I will also ofl'ei- at Public Auction ir FARM of SO ACRES, being the St-3 of the SAV1-4, Section 17, Township SO, Range 33. .This Farm if- well fenced anA cross fenced, has S good wells, two room House, Summci Kitchen, fair bam and good poultry house. .Corn crib and grameries, ct(,. TERMS MADE KNOWN ON DAY OF SAfcE. OKCH SERVED - ON GROUNDS SALE TO COMMENCE A T . 1 O A. M. S. A. BROWNING, Clerk A. W. CIES, Auctioneer CHAS. KIDWEL.L. OWNER. Public Sale 1 will sell at Public Auction on my farm 7 1-2 miles southeast of Chilli, cotke and 4 miles west and 2 miles north of Avalon, the follow, ing property, on TUESDAY.Oct, 31/16 8--HEAD HORSES AND MTJX.ES--8 1 BLACK MARE, coming 8 years old, wt 1300 Ibs., in loal by Jack 2 BL4.CK GELDINGS, coming 3 years old, wt. 1300 Ibs; 4 SPRING MULES, 0 jennets and 1 horse mule; 1 YEARLING' HORSE MULE. SO--HEAD CATTJ-iE--2O 7 YEARLING STEERS. ^ YEARLING HEIFERS; 4 Spring CALVES - MJLCH COW; 1 pure-bred SHORTHORN BULL CALF, about 6 mos. old HOGS: 5 CHESTER WHITE BROOD SOWS, wiih pigs by side. These sows have 40 pigs, 5 weeks old by day of sale. 10 HEAD OP SHOATS, wt about 60 Ibs each. I will also sell some of my Pure Bred CHESTER WHITE MALE HOGS, about 6 mcynths old, and all eligible to registration. TEKMS MADE KNOWN OX'DAY OF SALE. LUNCH SERVED BY LA1UES OF REECE CHAPEL SALT: TO COMMENCE AT ao A. M. A. W. CIES, Auctioneer ' _S-_^- BROWNING, ClerK Edward Whiteside OWNER. -- Change of Day -- J8d-i Year Here R*. lability. Dr. f rettyman *3as come TO Clullk-.othf *ver four weeks "or over 10 years /ind ha 1 done rood tious wort CONSULTATION A.WD EXAMINATION New Leeper Hotel ChiHicothe, Mo. Monday, Nov. 13, 1916 | -- ic.OO a. m. to S:0y p. m. i Returns F w e r y F o u r \ \ t c k s f DK. FRfcTTX !Â«. Is a graduate of the College (M Physicians and Surgeons, New York City, ono oÂ£ the beat Medical Schools in the United States; He has had years of experience in the great hospitals anil twenty years special practice He points with pride to his many cures in Cblllicothe and vicinity Ee Treats Acute autl Chronic Cauu-r^. Ringing IK the Ears, leafnesiÂ». Diseases of tbe Eye, Ear, NosÂ« Throat, Lunga, Stomach, Heart. liver. Kidneys, Bowel* ana Bladder. Nervous Diseases Neuritis, Nervous Proatratl*Â»Â£. Neuralfrf", Epilepsy (Pits), Rheumatism glren special attention. THOSE Suffering from Nervousness.Din- liness. Confusion of Ideas. Aversion to Society, Detective Memory,Nervous Debilitv.Sleep- lessness, Weakness and Exhaustion, treated by the latest inrt beet insthods Blood and Skia Diseases Acne, Eczema, .Psor'asiB Scroi:- nJa and all other Blood and Skin Diseases treated. Diseases of Women Treated In the most satisfactory manner. Our home treatmeat la ploasant to use and gives coot! results. The doctor carries all his portable instruments, fnA comer prepared to examine the mosi obscure medical and surgical cases. Correspondence solicited. Address, DR. PRETTYMAK 120S ELMBALE, AVE. CHICAGO. ILL. Iron and Steel Work I am now prepared to do ail kinds of IRON and STEE! WORK--such as Steel Stair ways, Fire Escapes, ?3id Walk Grates, Truss Bods, Steel. Eoad Drags, double single or triple, Boiler, En Engine, Machine Work GENERAL BLACKSMITH INI AND REPAIR Estimates Cheerfully Giveu L. D. ASHER 411 SOUTH LOCUST ST Chillicothe Granite Works MONUMENTS Best. Work Low Prices Equipcd with Up-to- Date Machinery TELEPHONE. 534 506 WASHINGTON ST NEWSPAPER! NEWSPAPER!
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