RED CLOUD, NEBRASKA, GHIJSF
a nm-nartllP ri nil 00000000000000000000000000
CO-OPERATIVE FARM Colleen Moore
- MADVCTIMR MnTCQ ' oooooooooooooooooooooooooo
lllfllllL 1 IllU llW I iriW
American Bankers Association
Bodies Are Lending Their
Active Support to Movement.
On tho theory that omcicnt market
ing methods, rather than easy credit
fncllltlon, nro tho big need of tho farm,
era, tho Stflto Bank Division and tho
Acrlculturnl Commission of tho Ameri
can Bankortf Association hnvo Jointly
launched an nctlve campaign to pro
moto tho dovoloptnont of the co-opera-live
farm marketing movement.
Of tho co-oporntlvo plan, President
Harding says: "I know of no single
movement that promises moro help
toward tho present relief and tho per
manent hettorment of aRrlcultural
conditions than cooperative farm
markotlng."
In ordor to gather tho best Informa-
Inn nht-ilnnllln on HllCCCBSfUl COOpOra-
Uvo marketing projects, tho Stato
Bank Division has Bent n question
aalro to bankers In overy part of tho
country. Information Ib nsked aB to
-whether tho local associations aro or
s&nlzod on tho commodity basis,
bandltng one product or a few similar
products, or on tho regional basis, do
Jnr alt buying or soiling; whether
they serve local needs only; whether
they nro combined or consolidated
with other locals to includo somo apo
dal phases of markotlng, such as
processing and packing, and whothcr
they nro combined with n largo num
ber of locals to form a sales organiza
tion. -innina n Howard of tho Amorlc n
Farm Bureau Federation says: "Tho
volume of credit necessary to market
Miy Riven crop cooperatively would
not bo greater than that required for
nou-co-operatlve marketing. I seri
ously question whether or not ns
largo a volumo of credit would bo
necessary, since co-operative market
ing Impllos orderly mnrketlng or tha
feeding of this market consistently
throughout tho period of consumption.
It certainly would remove tho nccer
Blty of whatover funds nro used In
speculative transactions. Tho farmer
la concerned with consumptive and
not speculative demands."
Tho form of contract between tho
Durley Tobacco Growers' Co-operaUvo
Association and Its members Is cited
by tno Manners akbubiuuub i
efnclcnt instrument for putting tlio
Idea Into operation. Under this con
tract the Association agrees to buy
and tho grower to sell to tho co-operative
nit hl.t tobacco for flvo years, ex
cept such as is not under his control,
on account of existing mortgago or
contracts.
Tho tobacco is to bo dollverod at
tho earliest reasonable tlmo after cut
ting or curing. Tho Association makes
rule j and huuidardios and grades the
tobacco, the grower agreeing to be
bound by such rulei. Tobacco of liko
typj, grade and q-ialtty dcllvorod in
tuo fiiw1 ciop year Is pooled, tho An
aviation clasMilratlon being conclu
sive Tho tobacco Is handled in one
i j r pool; minor pools aro made by
type and grade.
i
The Cooperative Association sells
n,. t.Aii.wRii n't thu best niieos obtain
able, and paya the grower tho net
amount received, less freight, Insur
ance, interest, and deductions to cover
all costa of operating the association;
nlco to create fiiudu for credits and
other general commercial purposes,
not to exceed one per cent of tho
gro'ia sale prico. Tho surplus from
these deductions ia later prorated
among tho growers.
Tho Association agrees to accept
rtratta drawn against it by the grower
upon delivery of tobacco, and to assist
Uo grower to discount his drafts, fee
cured by tho warehouse receipts,
through tho most advantageous bank
lng system. It also cooperates with
hmi in many other details of his bind
6 as
Eugono Moyer, Jr., managing dlroc
f r of tho War Finunco Corporation,
ais "denornlly sp.'nklng. tho Amerl
i.m farmer has been forced to sell Lis
irop hurriedly and at tho time of
maximum supply. Hut the co-operative
marketing associations are gradu
ally overcoming this situation. In tho
bands of tho Individual farmer, his
products have often been little more
than nn offaot against debts contract
id lu order to carry on his producing
operations. Iu tho hands of tho co
operattvo association, they can be as
sembled In quantity, graded ami
warehoused, pledged as collateral for
loans, and marketed In nn orderly
way."
I
m s - c.y at t t r
y V' i l
'"few
HOW THE GAP
WAS BRIDGED
By J. H. PUELICHER,
President the American Bankers Association.
J. H. Puellcher
W e nometlmes
hear hopelessness
expressed ovor
the prospects of
solving the prob
lem of tho rela
tions between em
ployer and em
ployee. In at least
one grent business
the way has boon
found. Tho samo
principle enn bo
"$
M
1
Unlike many lend.nrj ladles of the ,
ccreen, charming Colleen Moore, the
"movie" star, has never been on the
speaking stage. She wao born In Port
Huron, Mich., and was educated In '
the Convent cf tho Holy Name In i
Tampa, Fla. Miss Moore at various
times has lived In a number of other j
cities. In private life. 3he admits be
ing a plain person, with no hobbies,
but a tremendous ambition to make ,
ygou. niimy ui iiwi u ' u.- .
with one accord that her ambition has
been realized. This b one of her I at
est pictures.
-O-
THE RIGHT THING
at the
RIGHT TIME
By MARY MARSHALL DUFFEE
1JA1 KKEKDIXG-
Bllv-r ami Koltl ur.i not Uia only coin;
vlrniu, too, p:iMHf current all the world
over. Bui IpldfM.
Fred I. Kent, chnlrman of the Com
merce and Marino Commission of tho
American Hankers Association, says:
' When bankers refuse to extend cred
its to co-operative organizations that
ire not being developed no us to aa
jure the safety of all concerned, It is
uat as much to tho lutoreM of th?
fanners to have them do ao n' It Is in
the bankers. When, therefor', a
farmer finds that some co-operative
orranlzatfon, in which ho may be a
niomber, la unablo to obtain credit,
be Kkould look Into it at ouco and
ascertain tho reason, and then either
,take means to correct mich errors of
organization or ine'hods ns exist, or
-Sthdraw his membership at tho first
moment, that ho can fairly do so. If
tho f armors and -bankers work to-
rether In this manner, co-operative
si.irkotlng ran be made u nict valu-
ctlilo adjunct to our commercial and
trudn machinery."
IT IS always a temptation for thoso
iii. iiNi-tiss mutters of politeness
ami etiquette to become arbitrary nnil I
to say that thine who do Ibus-and-Uius I
are IU bred, and that those who do so- ,
iind-so are well broil. Sm-h u list
would be bomiil Jo be unfair uiul
eniilil be interesting largely In giving
the point of view of the one who
wrote It. In mutter of Miporlklnl
elliiueite we -hniiM nt sit In Judg
meia on others e-peelnlly In a land
like ours where f.imll.v and rnelal '
trndltli'iis vary h. extensively. Hut
there are oinc things that remain this !
Mime the worm over nine ueia nun
might be regarded as earmarks of bad j
breeding that were Just ns repreben
slble a thousand years ago as they
ui's today. Among them are these
things: i
To iermlt oneself openly to "cut a I
one-imie iiequnlntuneo ave for tho i
ui ...vmw offense. You would be
Justified In euttlng the uiim who has J
robbed your -'tie or nttempteu your
life or kidnaped ,our ehlbl or eloped
with your wlfo. but .hist because Mr.
A. bus bliiekbiilled von lu the elub to
which ou hoped to lilong. or beeauso
Mrs l'. bus lomp' lined to the dog-i-au'l.er
that our pet Is going around
iiiinm-.'.yleil. or beeniis Iho-e f ehll-
ilren thiovv puny bill at your front
window,, Is no reason why you should
cut any of the A'-. 1" or ("s.
'n reveal any Inform.Hbm of n eon
fi,i...inl nature' Hint h is been iv.enled
to von by uuyotie while a giie'-t In your
Iioum'. There l u law ef lns liallty
that would prevent you from doln;
thiit whether ou lived on th's Bble or
the world r the other: whet he.' you
lived n thousand ."ears ago or a thou
sand years hence.
To reveal un derogatory Informa
tion concerning any one that you have
acquired thiough a purely proiVsonal
relationship. The priest regards It us
his religious duty to keep secrets that
he hears In the confessional, no less
so does the doctor keep a sealed
mouth concerning bis pimein. u
Feeins nlmost ns much a matter of
principle for the trained nurse or the
senilis! ross who by chance learns
fiiimi'thlng of a t-oniblenilal nature con
corning tlmi who ciiiplov bev to i-e-faln
iVoi'ii spreading' the Inrormatl.m
l-oadcnsi.
i-. 11:3. l; Mil'lilK- s vi.iir Synilli-Jl"'
nnnllod to Rolvlnir It for others
Twenty-flvo yeais ago bank clerks
wero not olovated to olllclal positions.
Usually it successful man in somo lino
of endeavor, who had accumulated
sufllclont, purchased that llttlo clos
ing glory, a bank presidency, to wind
up his career.
Tho bank clerk had to start as mes
senger with a very Insufficient salary
and was usunlly employed at twclvo
or ilfteon years of age. Ho learned
something about the practical working
of the bank but very llttlo auout gen
eral theory. Tho president know some
thing nbout tho theory of business but
mighty llttlo about banking. Conso
quently banks did not nrrlvo at tho
degreo of efllclency they havo obtain
ed In tho last fow years through moot
ing tho greater requirements of tho
nation's commercial Hfp' '
Thero came a tlmo when a fow am
bitious men hoped to bridge tho gap
from n clerkship to ofllclal position.
They lltvt organic d clubs to study in
their own banks tho theory and prac
tice of banking. Then those who hud
a larger vision began to Invito clorks
front other bnnlH to sit In tho atudy
clubs. Soon the study club becamo a
community club.
Twenty one years ago, threo hun
dred of these men met In Cleveland.
At that tlmo there wero Just threo
chairs of commerce and banking In
tho universities of the United States.
These men did not know vvhero to
turn for Instructors. Hank olllcers fre
quently volunteered to help them.
Thoso three hundred havo grown Into
a study elub of 51,000 men and women
today. It Is now called tho American
Institute of Hanking. The Instltuto is
composed of the officers of banks and
the clerks of banks. Tho lino of de
marcation has vanished. They aro
professional associates.
What has been accomplished in
banking this Unking together of tho
Interests of all thoso who aro getting
their livelihood from tho samo busi
nesswill some day solve the problem
between capital and labor. That Is tho
only way wo can hope to do It. People
deriving their Income from qno busi
ness must have a common purpose, not
an antagon! .tic purpose. As they como
to bo professlon.il brethren In tho
business, their trm,..!es will bo solved.
Yellowberry in Wheat
Vnllowberr, ft si wheat tti'liiMtcMi Mif'
t-tiiiohv condition of the kernel: it
shous poor quality ami low piotciu or
gluten I' lour made horn It is low iu
quality ami for this ica-on yellow
berry wheat nlwujs hells for several
cent' pur bushel below equal urados
of good eoloied wheiU
Yellowbeity is not -nsilv prevented.
In fact it will nlvsiiyn occur iu some
cmm'S iu spite of "II that can tie ilnne.
hen the causes for its production are
cleat ly iiiidcr-duiid, there is good re
son to believe that much ol it can be
prevented.
Yellow berry occurs more of en
humid climaics in wet seasons,
s waly soils ami on soils deficient
nitrogen. Most authorities and
MO V ED
am now LOCATED in the NEWHOUSE-PHARES BLDG.
2 Doora South ol the Farmers Union Store, where I am Better Prepared
than ever to Serve You. Call and see mo as I can Savo You
Money on Harness or Anything In My Line.
LEE R. WALKER
Harness and Saddlery
in
oil
iu
e.
perimetital data indicate that titi.v
treatment which will rnalie more nit to
Ifnti available will reduce jellowbciry
Knrly prepatatiin of tho gimmcl
nfter harvest and the use of leuuine.s
iu the rotation tend to increase tho
supply of available nltiogeii ami re
duee yellowberty. Kot innately both
practices can be highly recommended
from the viewpoint of in-ltcryleldsaial
safer farming. Kuily preparation of
tho ground in experiments In Kansas,
for example, have increased the uvet.
n-e yield from 'J.'i to IPO per cent, de
pniliug on the soil tiuil the location
G aid totation will in hum case-ft suit
iu further inci'iii-i in v iolil ami te
lilt e tlie tisk f ii 'S. This appears to
be one case wl.ctv letter qualify ol
vv'ieot, I iii-gei t ids. safer f.ii'iuitig
1 tier f i tlt.s m In. ml in b iid
The Si iitlivvcstein Wl eat Improve.
nn nt A-Mulntluu
II M. HniiH r, liiuetor.
Kansas Pickups
sMITH llifNTV
Hex Heidi ti is .s'u'U wiib Yell, w
un
(E
1
PHONE YOUR
t -
H
ORDER TO
t
FARMERS' ELEVATOR
Bell Phone 29
Ind. Phone 12
a
DO
lid
'tw
.tw.
tw
SPRINGTI7VYB
vm.
7
W
1 1 2 lx bi
DCO
?
On I
SCHOOL
?.mu
u ysiijs?
WW
Mi
.lautullee.
A einwil ot iii-iglibots s-irpris"'1 V
It. (iiitlith .Mondiiv evening.
!is I .ids I,itntitg.'wt sp-iit last work
with her sister Mf Hex KcHIihii
I-'. M Hrown and family pent .Sill.
day evetiiig w-ub l-'. E. Spurriers.
.V.iss I, eli i ('iiiiiiioghain of r.ebilioi ,
sjn'iil a lew ilays with Mis. Km I Ab
bott.
Mrs. Hi - ltVIMiriti spent Sunday with
her (laients Mr and Mis Hob I.aniii
gin I. liner Spurrier and family spin'
Sunday at the T S. Sportier homo in
Location.
Elmer Spurrier ai.d family and 1). K,
OtvwellJ.ind and family spen Wednes
d iy evening nt Otis Prices, v
V. It Ciiilitb lft Tuesday for Mac-
inin ei untv Illinois, afler siieiiding
SU77VTER TIT-TE
ARE
S WELTER
TIME.
the winter witli bis daughter
!'.. Sji'ii tier.
M.s K
Deposits Ovor Fo-ir Million Dol
lars in Tex iV"o;iilis Boys and
Girls Own Balances of
K.QOO.OOO.
s
...a. - t flt
ft i imi- ri ructro
5r,i Line U viitun
By; John l.ciulnck Bangi.
. t
T
I
t
.
. t -
THE FLYING HCUO
SOMK folkn t.-in "f T"'iwiriov.
And rfimie "i Yi-.itoiilay
AVItli nil On I inl surrovv
Tlint lliirfeitil on tlio way,
"at I. i .' W' r-M nf fonmnt
.i. i ui i II" I '
i'O SHUtl tllO p.lMMI.s lli-llliont,
And malio tliH bunt of Now.
it by Mr.Clur .S't-wspaper HiiulloU.)
T
!
i
Savings of ptplU through school
savings bnnkiuv systems In tho
United Stales du-lng this' first part,
ending .lanuarv :". of the present
school year, total I l.ii.oiio. accord
ing to repjrt toni! i 1 liy the Sulugt
Hani; nivlsiun of t' . American Hank
ers Association '.'be total for tho
school year will In over S7.00U.000 if
the deposits contls ,n at this rate, as
compired with live and half million
dollars for the previous school year.
Thu number of pupils reported as
participating in i'n school savings
systems on .lanuaiy 111 was l,!i3l,llG,
as compared with 1.271.000 last year,
SOO.O'M) the previous year ond Iftl.OOu
in tlio Hcbnot voar endim: In IOL'0. In
schools which have savings banking
systems the proportion of enroUmont
which participates is tonding to In
crease Teachers and bankers who
Interest themselves In the movement
mnko every effort to obtain a place for
their systems on tho honor roll pub
lished semi-annually by tho Ametlcan
Hankers Association through Its Sav
ings Hank Division.
Savings Balances Double
The ronorted bank balances owned
by the pupils has more than doubled
already in tho current school year,
January 31 showing $14,000,000 as
compared with JC.3S2.000 on June 30,
1922, and $1,434,000 on June 30, 1921.
While the Increased balances reflect
Improvement in Industrial condition i,
It is probable that part ot the Increase
Is statistical, duo to improved ac
counting methods
An Important featuro of school sav
ings hanking, on which no statistics
can bo obtained, is tho extent to which
the teachors are inculcating thrift in
monoy matters and tho advantage ot
saving systematically a part of all In
como This Is the basic purpose of
school savings banking, the collection
of deposits being deemed as only nn
item in tho broad program ot thrift
education In tho rchnols. The Na
tional Congross of Mothers and Par-fnt-Teachr
AssoclntloiiB Is on record
in giving "uuqnal'fled asalslanco to
tha establishment of thrift instruction
aa a regular part of the curriculum
ot the schools of uir country."
I'AKM IU'llKAU NOTES
..y C'uunt Iv.tenscii .i- rl, Henry
U. Fnusch)
FllUIT & VEGETABLE BUDGET
.Miss Eloir.nco Atwood, Food and
Witiition Snccinlist win meet with
tlu iiotary Women's Club of CSuMo
Uock on Friday afternoon, April Wtli
at the farm homo of .Mrs. Garrett
Ohmslcdo
X. W. C.AIXES COMIXG
Tuesday niKht April 17th he will
C:-n a i oninuitrty woiniro lecture
to members their families and friends
of the lied Cloud Community Club at
be farm homo of Geo. Coon. Follow
inn; the iM-oe;ram the. members of the
riub will .s.uve a cafeteria lunch.
We Inesday niirht, A;)ril ISth at Eck
ley consolidated school.
i'hursday night, April 10th, High
land Farmor.s' Union at School Dis
trict No. -10.
He will visit High Schools dtiruiK
the daytime.
STEWAUD SHOIVniOUN SAL13
Tlio Steward Shorthorn dispersion
Sale dew a bad 'ay. Cattle men
who had planned on coming in cars
were unable tu attend, ilie oiienng
wa.-s picked up by local buyer.-, two-
thirds of the offering going to Guide
Hock f aimers.
it was u very oven sale. Prices
ranging from $50 to $2G5 with a $115
average. The cattle was worth moro
money. Local breeders will never
havo the opportunity again to buy as
well bred bunch of cattle at the prices
the.o sold for. Mr. Steward is mov
ing away and the Live Stock Breeders
of this .ounty will miss him. He has
been a great booster for Better Live
Stock, and it is to his untiring efforts
and continual booting for better live
stock that Webster county ranks first
in the state 'a the use of Pure Bred
Sires.
Her Smile Watt
i;v
4 M&m
w' I'faMKUflJ '
I
m
QW
hv
Sweaters that vie in brilliancy wilh
the gay colors of nature for sports,
the shore and the country.
Sweaters in cool, subdued tones
for street and town wear. Jacquet
tes, Slip-Overs, our new Swagger
Link Coats, and Tuxedo models.
EVERYTHING in sweaterdom!
Beautiful sweaters with the charac
ter that good quality and good
style alone can impart.
BARBARA PHARES
-5 -- --"J
k.
Northeast Pawnee
.Ine Kian so'il n eilli nf corn to Mike
Bliss tor a fancy price.
the Mu-rs bo,h vveie at Itelliiite ltist
ThiU'siin.v for nlfalfti seed
tft Come Off.
One Sunday evening I was out with
my best benu. Wo first went to the
hIikw nt..! ih it for a walk. When we
were about three blocks from his home
wo met his rather. My beau tried to
hide, but his father saw him and took
him homo. I followed, and when they
came to his house, I stood there and
listened to him yelling. The i i day
nt school I Hindu fun of him. -ut he
only smiled and .said sweetly thai mine
wus coming, because his father hud
told my rather. Chicago Jnurui'l.
Iieimie Mohler un I Ed Lvaduhrtttid
vveie in Kyil Cloud the other day.
l'.veiett Myuis lot a good fresh cow
with tiluod poisoning or milk fever.
Herb l'.iirber was in Bed Cloud last
Friday getting some dental work done.
Mr and Mis Jim It, van were at
Winner the end ot lust with cream and
eggs.
Mrs Stephen (iouliiie and girls were
visiting with Mr. and Mrs. Ben Mnpes
one iliiv hist week. '
Mrs tins King mid daughter L'daua
were visitoih of Mrs. Everett Mveis
one day I ist week.
Juke Williams is working for his
brother in-law, Bill Francis, doing
some carpenter vvoilt.
Mr-. Beanie Mohler is busy these
dajs at paper hanging and p.iintins
the interior of the house.
Everett Myers UuUlieil ids milk and
egg house last Ssturday. He bad bib
brother Boy do the complicated parts
Spring is beginning to exhibit itself
in a great many places, grass and nlf.
al fa aro greening up and probably
weeds will soon.
Bill Williams has u large area undei
clover thib year. If everything goes
well Bill is expecting to get lu a large
bill for clover socd lu '21.
Somo of the women folks are busy
gardening, planting and cowing the
earlier varieties of vegetubles, but will
wait awhile longer with laie varitles.
Ei imk Byiin its well as mauy others
are putting iu largo tracts of siiduu
grass claiming it Is Hard to beat for
foia'go purposes besides enriching, en
vigoratlng ami consolidating tho land.
Lewis 1'Hget is going In extensively
at potato raising this yoar, putting in
threo or four largo patches. Ho has n
two fold intontton, e.speilmentiiig on
the various soils ns well as fooling the
bugs,
Mrs. Fiauk Bynu lost u large num.
bur of chickens as many as 7 or 8 a day
for sevoral days. Tho disease bcems to
bo a strange otio as they all appeared,
healthy and hi thu best of spirits thu
day proceeding their death.
Ciiiml iHsnne. wife and family arrived
heie fn in Yuma Co. Just Siiturd.iy and
are to loiv.ito on the .leiome Peterson
place south Pawnee. They aecoutpiint
ed by Jerome I'olerstui wore visiting
with Burt I'av nn and family and Mo
Coule Bros . hist Sunday.
The MeCool: Chamber of Commerce
bus invited the Nebraska Golden Bod
III. Way state "ouvttitinn to be held in
tluit. town April 'J;i, and has author
izeil eutertiiinmant for that date They
anticipate Veil delegate-, meeting thete.
We hope they will not be disappointed,
for if the (). B. doesn't begin to Miow
life ptetty soon the undertaker will
have to be called. Mr. A gee of this
city is president of the association, but
to all of his appeals for aid, including
eash for running expenses, a deaf ear
seems to -Up turned. Iowa and Colorado
are much more active than this 'tate,
and Nebraska should get a move on.
get behind the otlk-ers of the highway
nnil help it. to oeeomo as good u
thoroiighfiuo as any other in this
state. Superior Ex pi ess.
Yes, Garber's
Is The Place!
To Buy Wall Paper, Paints.
And Electrical Supplies.
The best place for Picture
Framing.
The War Sin o? Safety
1h represented by the amount of
insurance you carry
Don't lull yourself into a funded
security.
Because lire has never touched you
It doesn't follow that you're immune
Tomorrow -no today, if you have
time and you better find time
on me to the oulco and we'll write
u policy on your hoiiae, furniture,
store or merchandise
-LATER MAY BE TOO LATE-
Q. C. TEEL
R.eliosble Insurance
i
V
r
L