The log cabin Democrat., 1915-04-17
RAlNWATfRS GIVE ADVICE TO FARMERS BANKERS STRAIGHT TALK MORRILTON FIRM TELLS FARM FRS TO RAISE THEIR OWN
 GRUB AND FEED.

A characteristic letter from the Rainwater brothers of Morrilton. which appears in the Conway county papers this week, is reproduced be- low:
 Dear MT. Farmer:
 Let's talk little farm and bank Ing business without any personal reference; also in the kindest and best of feelings.
 "A man that hasn't any money in our bank and has never had deposit has no chance to borrow from us here after. For business proposition it is unprofitalle for us to loan any body but depositor any money. A man that doesn't believe in banks enough to trust them with his depos- 1t has lots of gall to ask a bank to help him. The money business is cold-bloded, and when a banker can- not see any profit in a deal for his bank he passes it up. He doesn't take any chance. If you beat us out of any money We have to swallow the loss; if we beat you out of any mon ey our bondsmen have to pay 1t to you, and We have to go to jail fo, being crooked. So if bankruptcy and jail are on one side and cold-blooded business on the other side, any fool or smart man will come down to ac tual business and no favorites.
 If record were kept of farmers work like the record is kept of us. the farmer would accumulate some thing or he would move If the Farm CTS Union had regulation commit tee and run every member out of the community who did not raise his own grub and feed and send his childrer to school, our country would be a Garden of Eden.
 "lf the farmer is having hard time it is his own fault and laziness, War, Democratic administration or tariff have nothing to do with your corn or potato crop. Let me give you a little friendly advice: If you ex- pect to eat anything you had better raise all of it yourself. If you ever expect to see any more dollar bills you will have to work, make them and save them, and if you expect to do business again with this bank you had better have a bank account. A man that can earn a dollar and save 1t is much more desired than man that can spend a borrowed one.
 "Now, this dope is not to benefit us-its to benefit you. And to put it still plainer, if you can do without us, we surely can do without you.
 Our aim in life is to help the farm CT that appreciates it and helps him. self. The one way you can help your self is to accumulate something and show it to us in the shape of a bank deposit. Making living and accu- mulating money is just as busy job as walking tread-mill. If you have not the grit, the pride and the man. hood to go after it hard, don't expect anything. Borrowing from Peter to pay Paul every year has worked, but Peter and Paul were both shot in the war, shot in the pocket, and it will be long time before we have an- other crop of suckers with money to loan to everybody.
 "Times are good in the United States, but good only for the men that have wheat, corn, meat, peas and powder and shot for sale. Times will get good in the south just as soon as the south has corn, peas, cattle and hogs for sale, and not until then. What every man has is what he made and saved. Don't you think some Hoo Doc wishes it on you while you are asleep, or fishing or sitting up against a post arguing. Making good living or money is very busy mans job. Get busy and stay busy and quit kicking, cause the Lord don't do your farming.
 "Rainwater Bank & Trust Go.