The Bridgeport evening farmer., 1913-08-06

vent dispute of title upon mortgaged | land. Provisions are also generally afforded these mortgage institutions which eliminate undue legal delays in
 the recovery of loans placed with de-
 fau1ting Borrowers. Savings and trust
 funds are frequently invested in se-
 curities of such mortgage institutions
 under sanction of law. Loans up to fifty or even sixty-six per cent. are
 made on lands of dependable value and are considered safe and conser- vative and compare favorably with provincial and government bonds
 ''The organizations for production and distribution of farm products fol- low cooperative lines. Farm pro-
 ducts are sold by the producer at a relatively higher price and are bought
 by the consumer at a, relatively lower price because the cost of distribution is considerably loewred by co-operaA tive marketing which results, also, in improving the quality and uniformity
 of farm products and in promoting more business-like methods in farm ing operations. leaders of this movement in Europe that the question of rural credit ought not to be divorced from cooperation for business purpo oses and the general organization of community life in ru- raI districts. In some European
 
 country life interests generally are thoroughly, organized and co-ordinat- ed. The studies of the Commission emphasize the necessity of defining the functions, on the one hand of the gov ernment, and on the other of voIun- tary organizations, in promoting the development of country life. In some of these countries great emphasis is placed upon the value of voluntary as sociations and such State aid in wolves governm entaI control over the activities of rural organizations is de- precated as tending to stifie the in1- tiative of the people.
 Plural conditions, environment and temperament in Europe differ widely in the various countries and also diff fer from rural conditions, environ ment and temperament in America, as conditions differ in our several States and Provinces; therefore, it may he necessary, in some cases, to modify these European systems if they are to be adapted to meet the needs of American farmers. At the same time, cooperative effort among the farmers of America might well be more gem orally employed and the facts gath veloping methods suited to the needs of the farmers in the several sections, States, and Provinces.
 ''Toa this end, the American Com mission with a. mem berSh1p In thirty | six States and in four Provinces of Canada, has effected an organization with headquarters at Washington, | D. C., and invites the aid and co-op- eration of farmers and all agricultur- 1 al organizations and persons concern l ed in promoting a more prosperous and contented rural life as the endur- | ing basis of our material, social and civil welfare.
 t'The Commission desires to call at tention to the geographical scope of ] it's inquiries which were conducted in Italy, Hungary, Austria, Germany, France, England, Ireland and Wales, while subcommittee were sent to1 Russia, Denmark, Switzerland, Hol- land, Belgium, Norway, Sweden, Egypt, Spain and Scotland In all of these countries the members of the Commission were officially received by the respective governments and were given every opportunity to car ry out their studies. National and local officials, central institutions, and local societies, eminent economists, leading agriculturists and business men, all contributed with most grati- flying willingness to the successful ac- comp1ishment of the worg of the Com