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KJED OLOPD, WlBRAiKA, OHIKf
PAINT ASAN ASSET.
'Bankers Say They Lend More
Money on Property When ,
Buildings Aro Well Painted. I
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'AN INDICATION OF THRIFTJ
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.One Concern Advanoaa 25 Pop Cant'
More If Repainting la Done
t F-very Five Year.
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I Does It pny to paint carefully farm
'buildings? Does It add to tho soiling
.value of a form whon buildings arS
,proporly kept up and regularly paint
,ed? A careful Inquiry of a number ot
'leading bankers In the Mississippi vnl
ley, Including such states as Iowa, 1111
nols, Michigan, Ohio, Indiana and Mls-j
sourl, reveals the fact that In nearly
every case the bankers did not heaW
tatt to say that they would lend all thtf
way from 8 to 00 per cent more on.
land where farm buildings wore well
painted and kopt in good condition.'
jThey maintain that well kept-up and'
well painted buildings and fences are'
an Indication of thrift and Uiat the
thrifty farmer Is a good client, and to1
him money can be safely loaned. Aa'
average of tho returns from these
bankers shows that tho Increased loan'
value becauso of painted buildings Is
around 22 per cent.
Some of these bankers mako Inter
esting comment. A Michigan concern;
says that, while not especlully pro-
pared to advise definitely In response'
to this inquiry, tho ofllcers would loan'
more money on farms whero'butldlngs'
wera painted than where they wora'
not so treated. This bank nlso finds'
that where houses, barns and fences!
ure well taken care of the farm is a1
profitable proposition, and bankers In!
general consider the farmer a good
client. Another Michigan bank says!
Vjfurm buildings out of repair and
needing paint Indicate that tho ownorj
Is slow pay." Such fnrms aro rated at
nbout one-third of the assessed valuo
for loans. Where the furm buildings
are In good shape the rating Is one-;
half. The president of a middle west
ern bank isays that when real estato
loans are considered, painted buildings
aro alwtiys taken Into consideration in
inalclnifan estimate. Tho general ap
pearance of the property surrounding
thehQujq anbpjo a also, tho gelds
and fences would oe carefully" observ
ed, no further says tlint he has no
hesitancy In saying that ho would ab
solutely refusa a loan on farms where
the buildings were not kept up and
well painted. In his Judgment un
painted farm buildings would reduce
the loan value at least 25 per cent I
A Minnesota banker says that he Is
much more willing to loan money!
where the buildings are well palnted.1
In his particular case ho belloves that
he would loan 20 per cent, more than
. If tho buildings wcro not properlyj
taken care of. A farmer who will,
keep his buildings painted tukes a
much deeper Interest .n his work thnn
one who does not. Another Minne
sota hank bnys thnt well painted build
ings have resulted In securing from,
his bank sometimes as high ns 2o per
cent, moro money than whero tho
buildings nre not painted. An Ohio
concern says that It will loan 23 per
cent, morcjmoney on n well kept farm'
where buildings aro painted at least
once every flvo years. A southern Illi
nois bank says that It has no fixed
rulo about this, but It does make a de
cided difference when owners of farm,
lands apply for loans. If tho buildings)
aro well pnlnted nnd thus well pre-"
aerved tho loan rate would not only!
be cheaper, but tho amount of moneyj
borrowed would bo larger. A northern,
Illinois bank .does not hesitate to say(
that It would loan fully 50 per cent'
more on a farm whe.ro buildings were
well painted and in good order than'
where they were not The vice presi-!
dent, who answers the Inquiry, goea
on to say: 'There probably are many'
farmers good financially and morally
who permit their buildings To remain
unpalnted, but as a. rulo the most sub
stantial people who Ure In the coun-i
, try keep their buildings well painted.")
An Iowa bank, through its vice pres
Went, slafeslKat It would muke a dlf-i
ferenco of ot least 25 per cent In fa
vor of tho farm with painted build
ings, Another Iowa concern says that
It would make a difference of at least
20 per cent - H
A this being true, It Is porfectly
evident thnt It Is n good business prop
osition to keep the farm buildings well
nnintml. TIipv not onlv look better
nnd are more pleasing to tho owner,
but tho farm would sell to better nd-
' vantage, tho loan valuo of the property
woum uo grcauy lucrcusuu unu uiu
buildings themselves would lost much
longer, 'and need loss repair. Tho
American Agriculturist
PAINTAND ILLITERACY.
Curloua Fact Cornea to Light That Le
calltlea Least Ualng Booka Avoid
Paint Also.
Washington, D. 0. A curious fact
has been brought to light by tho Edu
catlonal Bureau and tho Bureau of In
dustrlnl Research hero. It Is that In
the statos where llllterticy Is most
prevalent paint Is least used. Tho,
paint roferrcd to Is tho common or,
barn variety, of courso, for tho back
woods countries havo no nocd for the
finer pigments or facial adornments.!
It Is truo, though, that In, tho sections
of all Btotes whero whlto Illiteracy .isj
highest pointed homes nro rare nndj
painted outbuildings and barns aro(
practically unknown. Probably the;
Illiterates do not use paint on their
buildings because they do not under:
stand Us valuo ns a preaorvatlve. I
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Farm Tractor omkmericar
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Name
Postoflice
Township County.
.State.
jgnKO
Christian Church
Services for the Month of August
10 a. m Sunday School
11a. m. Breaching Service
2 p. m. South Side Mission Sunday School.
7 p. m. Senior Endeavor Service
8 p. m. Preaching Service
muiiuiwiuun
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tied Cloud Nebraska
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