The weekly soliphone., 1915-04-30
BANKERS INDULGE
 IN STRAIGHT TALK
Rainwater Brothers of Morriltol Tell Farmers Diversification of
 Crops Is Necessary.

A characteristic letter from the Rainwater brothers of Morrilton which appears in the Conway coun- ty papers this week, is reproduced below:
 "Dear MT. Farmer:
 Lets talk little farm and banking business without any per sonal reference; also in the kindest and best of feelings.
 "A man that hasn't any money in our bank and has never had q de- posit has no chance to borrow from us hereafter. For a. business propo- sitlon it is unprofitable for us to 1 loan anybody but a depositor any money. A man that doesn't believe in banks enough to trust them with his deposit has lots of gall to ask a bank to help him. The money business is cold -blooded, and when a banker cannot see any profit in a deal for his bank he passes it up. Hhe doesn't take any chance. If you beat us out of any mNpey we have to swallow the loss; if we beat you out of any money our bonds men have to pay it to you, and we have to go to jail for 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 70 fc- tual business and no favorites.
 eff a record were kept of farm CTS work like the record is kept of us, the farmer would accumulate something or he would move. If the Farmers Union had a regula- tion committee and run every mem Der out of the community who did not raise his own grub and feed and send his children to school, our country would Garden of Eden.
 'If the farmer is having a hard time it is his own fault and lazi- ness. War. democratic administra- tion or tariff have nothing to do with your corn or potato crop. Let me give you little friendly advice: If you expect 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 dollar and save it is much more desired than a man that can spend a borrowed one
 Now, this dope is not to benefit us-it's to benefit you. And to put it still plainer, if you can do with out us, we surely can do without you.
 Our aim in life is to help the farmer that appreciates it and helps himself. The one way you can helI yourself is to accumulate something and show it to us in the shape of a bank deposit. Making a living and accommodating money is just as busy a job as walking a treadmill. Ii you have not the grit, the pride and the manhood 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 vii be a long time before we have another crop of suckers with money to loan to ev- erybody.
 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, cat tie 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 a very busy mans job. Get busy and stay busy and quit kicking, 'cause the Lord don't do your farming. "RAINWATER BANK & TRUST CO.,
 "Morrilton, Ark"