davidaulloa/AmericanStories huggingface dataset:
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1916-12-10

ligatory at frequent intervals in order 10
supply the air the lungs arc really
struggling for. Women WHO stoop over
sewing or writing are apt to get into
his habit Of snort breathing. and 1t must
I've overcome before it turns into an in
voluntary condition, which after a while
becomes painful because a real long
breath them becomes a conscious effort.
This is not always successful, and leads
u a feeling that you cannot get your
breath until Just at the moment you be.
come terrified. Then the breath comes
at What seems to be the last gasp.
While this condition Is largely imaginary
or nervous" it is very annoying. as it
is apt 10 occur in company or when you
are oycrfaligued or under any great
mental strain.
Professor Luciani regards yawning az
the external expression of ennui, drowsi-
ness. hunger and the like, but il Goes not
seem that the ventilation Of the chest is
the primary object OF %yawnins. Accord
ing TO the present views OF the nature Of
the stimulus TO respiration. the vcntila-
ton Of the thorax, or chest, keeps pace
with the changing ~hydrOsenion content Of
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1916-12-10
Hoo q Ya7Un Looks.

A-lmage Of Epiglottis. B-Imagc of
Vocal Cords Which in Iawning Are
Stretched Wide Apart. Thus Enabling
the Lungs TO Be More Completely FILLED
with Air Than Is Possible in Normal
Breathing. C-Laryngoscopic Mirror
Through which the Mechanism of the
Yawn Is Viewed.
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1916-12-10

seem to be the natural behavior OF
all creatures on waking. AS soon a
YOU awake in the morning you have
a desire to stretch on your arms and
legs beneath the covers. You find
that certain stretches, expansions
and breathings are necessary at this
time.
AT last the yawn and the str.,ch
have been carefully explained by
science. Why do you stretch? Re
cause you have a desire TO extend
the body SO that the veins, where
congestion is most liable Il take
place and where pressure OF blood is
weakest, are so elongated that the
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1916-12-10

the blood. An
increase in the
concentration OF
the heterogeneous
Is accompanied
by an immediate
increase in the
depth or rate OF
( h c respiratory
movements.
There is nor
nlally a deeper
Inspiration d
$ occurring
every few breaths
and ii doe. not
S e e m probable
that there is a
sufficient C c
mutation of car
bon dioxide in
the blood under
any ordinary con
ditions 10 require
n extreme ef-
fort as wning
would indicate if
its main purpose
we're to rentilate
the lungs. \ little
vigorous exercise
viii remove the
immediate Il
%yawning. hut 1t
~ill also result in
greater %vcntiia-
|, ton OF the thoraX
! and lungs than
occurred during
: va awning.
Yawning. in a
a Of fatigue.
involves certain
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1916-12-10

"The Morning Yawn
and Stretch Are Ma
lures Safety Valve
10 Let or Excess
Pressure, Relax the
Muscles and Refresh
EN- the Tissues and
blood"
Milford chronicle., 1916-09-08
We Ask the Attention
of Every Reader !
of This Paper
Today
By ]. R. HAMILTON
Former Advertising Manager Wanamakers Philadelphia

Nneysk per cent Of all the people in the United States
earn less than $1,000 year.
Therefore behOoves every you read this
day by day with two purposes One you may post
yourself upon the general The other you may post
yourself upon the advertising
The day past when anyone afford overlook this Sec
ond feature It is the economy every There
isn't day passes when money be when better
goods cannot be bought for the money simply by following
carefully the advertising that is published here.
The for this is very simple advertising cheap
est quickest and best method sasmansp yet been
found.
Therefore the most progressive merchants advertise
And naturally, when you the cheapest the best
article of kind fair that the progressive
men will have it for sale.
Every shrewd merchant adverses paper because
there thousands of you readers eager his advertising
when it appears.
He knows that you looking for whatever good mechan
disc he has to Offer And any discounts
value to him advertise in the paper you read you
can equally well afford to discount his value to you
any merchant overlook the great COM
bned purchasing value Of thousands Of you every day.
the chances are he is overlooking many value
when comes his turn to 60 into the markets and buy
So learn not only the advertising news in this paper
every day. but learn also to rely for everything you
There isn't family that reduce it's cost Of living
at time simply by carefully reading buying entirely
through the advertising pages Of this paper day by day
copyHghtedl
Milford chronicle., 1916-09-08
When You Become a
"COnSciOuS" Reader
of Advertising
BY J. r. HAMILTON
Former Advertising Manager Of Wanamakers PhIadepha

When you learn to read your advertising as you read your
news the cost of everything you use going to be lowered
for you.
you knew how much money to soak idea into
your mind subconsousy you ashamed of your mind
1t actually takes long years sometimes get you
| think and say a certain word.
It's like teaching baby to talk.
Every known psychology brought to bear on you
Advertisers have been known print their advertisement
upside down. hoping perhaps that you your
head to read it you might remember what they say.
And what you often refuse receive your will the
camera of records spite of you 96
you buy you buy through advertising whether you
And yet in the face of all this the advertising method Of
selling things is twenty times cheaper than any other method
known.
Think how much cheaper would be if you would only
read your advertising consciously instead of buying through
The merchant who doesn't advertise hasn't
with the one who does
Your eye taking photographs every time you these
pages You couldn't get away from these advertisements you
tried Even the who claims record
ing them all the time Every merchant appears here
telling his story every day whether you
All trying to do to make you readers Of
advertising instead of subcOnscous readers This being done
equally for your benefit and for ours
Every time you look for the advertising in this paper instead
of making look for you you bring your living you
increase the buying power of your money and you get better
quality for the price This advertise
always the best merchants They the who last The
others flicker up for little while and then go That's the
proof
the other hand every time we get hundred more Of
readers turn each day with mind the adver
tising well general news we better
medium for advertisers We give them their money
because we give them your will
And before through every subscriber have viii be
reading his advertising consciously day by danever For
this is another psychological law
cODydghted)
Milford chronicle., 1916-09-08

secured by first mortgages ON farm
lands. The act defines strictly the pur-
poses for and the conditions under
which loans are to be made and re-
quires that the rate of interest charged
on farm loans shall not exceed 6 per
cent per annum.
The United States shall be divided
into twelve farm loan districts, and a
federal land bank with a subscribed
capital stock of not less than $750,000,
each share s., shall be established in
each district. Each federal land bank
may establish branches in its district.
Within thirty days after the capital
stock is offered for sale it may be pur-
chased at par by any one. Thereafter
the stock remaining unsOld shall be
bought by the secretary Of the treas
ury for the United States. 1t is pro-
vided, however, that tie government
shall not receive any dividends on its
stock Ultimately It is intended that
all the stock I'm the banks shall be
owned by the associations of borrow
ers, and provision therefor is made in
the law for transferring the original
stock at par to these associations.
National Farm Loan Associations.
The act provides for the creation Of
local national farm loan associations,
through which it is contemplated that
the federal land banks shall make their
loans. In the event that local loan
association is not found in any locality |
within a year, the federal farm loan |
board may authorize n federal land /
bank to make loans on farm land /
through approved agents Ten or more
persons who own and cultivate farm
land qualified MS security for a mort
gage loan under the act OF who are
about to own and cultivate such land
may form such an association. provided
the aggregate Of the loans desired by
the membership is not less than $4,000.
Each member must take stock in his
TO an amount equivalent to
per cent Of tic amount he wishes to
borrow This stock the association
holds I'm trust as security for the mem
,er's individual loan. The association
n turn. when applying for money from
ne bank. must subscribe for stock in
ho bank to an amount equivalent to 3
Der cent Of the sum It wants to obtain
or It's mcmhers This stock Is held In
Milford chronicle., 1916-09-08

a given number or years. After i've
years the borrower has the right on
any interest date to make additional
payments on tie principal in sums Of
S25 or any multiple thereof, thus dis
charging the debt more quickly.
Fup4s Available For Loans.
After federal land bank has loaned
TO FIRST mortgage $4,000 it can obtain
permission from the farm loan board
TO issue $4,000 in farm loan bonds
based on these mortgages, sell such
bords in the open market and use the
money thus obtained to lend on other
mortgages
This process OF lending on mortgages
and selling bonds in issues Of $4,000
may lie repeated until bonds to the
amount Of twenty times the banks
paid up capital are outstanding. If
each bank should have only its re-
qdired minimum paid up capital of
Si5OO00 this plan viii provide eventu-
ally if all the authorized bonds of
che twelve banks are<sold, over $780,
O0OoOO to lend on first mortgages on
farm land. The banks. however, can
Increase their capital stock above the
required minimum and so increase the
amount Of bonds they can sell and thus
Increase the total amount of money
available for loans on farm mortgages.
To make these bonds attractive to in
vestors the bonds, together with the
mortgages upon which they are based.
are exempted from federal, state, mu-
nicipal and local taxation and are |
made legal investments for fiduciary |
and trust funds. The capital stock Of
tie federal land banks is also exempt
from taxation. Federal reserve banks
and member banks of that system are
empowered to buy and sell these bonds.
They are to be issued in denominations
Of $50, $50 500, $500 and S1,OCJ.
Milford chronicle., 1916-09-08
THE
FARM
LOAN
ACT

TNHE federal farm loan act, popu-
larly called the rural credits
law was signed by the presi-
dent and became a law on July
H. The primary purpose Of this act
is to promote agricultural prosper
ity by enabling farmers to borrow
money on farm mortgage security at a
reasonable rate Of interest and for rel
atively long periods of time. To attain
this object two farm mortgage systems
are prOvided-frst. a system operating
through regional land banks and, sec
Ond, a system operating through joint
stock land banks.
To attract money to the farm loan
field the act provides a method where
by those who have money to lend can
find safe investments in the form of
debentures or bonds Of small and large
denominations issued by the banks and
based on the security Of mortgages on
farm lands
These two systems are to be under
the general supervision of a federal
farm loan board in the treasury depart
ment, composed of the secretary Of the
treasury as chairman ex ofIicio and four
members appointed by the president
This board has authority to appoint ap-
praisers. examiners and registrars, who
win be public officials
The Federal Land Bank System.
Under the federal land bank system
the act provides for federal land banks,
which make loans for the first twelve |
months exclusively through local ma
tional farm loan associations composed |
Of borrowers. These associations shall |
be shareholders in the banks. and i'm that |
way members who are borrowers will |
share in the profits Of the bank. The |
money for the loans is to come partly /
from the capital of the banks and part
y from the sale by the banks of bonds
Milford chronicle., 1916-09-08
General Provisions.

The law, through the farm loan
board providos the necessary machin-
cry for fre1rcnt examinations Of the
banks ard The associations. for the
profer cancellation Of mortgages and
for the safe custody Of mortgages Of
fered as secuitv for bonds. When
nny mort@age offered as security for
bonds IS withdrawn the bank Is re-
qnired to replace the security with
other mortgages or with other satlsfac-
tory collateral
Heavy penalties Of fine or imprison-
ment or both are imposed for VIOLA
fions Of the act malfeasance In Office.
fraud. emf element defalcation or
other illegal practices
Milford chronicle., 1916-09-08
THE EARLY FALL

is a splendid time to place
your order for a Memorial
so it may be erected before
the winter months. You can
choose it NOW from our
large stock of finished Monu-
ments. Headstones and Mark
ers, or from our many new
and attractive designs and be
assured of its early compile
ton.
Arrange to see this splendid
display, which is not excelled
within the state. or allow us
to submit designs and esti-
mates before placing your or
der. 1t will prove to your
advantage.
VIM. V.Sipple &Son
Milford, Delaware
Phone 81
Milford chronicle., 1916-09-08
SEPTEMBER

Leave Philadelphia
Returning steamer will leave Philadelphia. from
Pier 10, North Wharves, Race Street. as follows:
Tuesday. Sept. 8, 6pm Tues. Sept. 49, 6p.m
Friday. " s, 9p.m. Friday, % pm
Tuesday, y, l2mdgt Tuesday, 26. II pm
Friday 15 4p.m. Friday " 20, 3p.m
Boat stops at the Consumers Ice Coz
Wharf, Chester, going and coming, arriV-
ing at Chester III hours after leaving
Philadelphia.
Telephone No. Keystone Main S7-27 on
Wharf in Philadelphia.
FARE TO PHILADELPHIA. .s1.0t
ROUND TRIP. .st.5C
Frederick & Phila. Nav. Co.
Omee-FREDERICA. DEL.
After May 1st, Pier 10, North, Race st.
Milford chronicle., 1916-09-08

trust by the bank as security for the
loans it makes through the association.
If a prospective borrower has no
money with which to pay for his asso-
citation stock he may borrow the price
Of that stock as a part of the loan on
his farm land.
Under this plan, then, every borrower
must be a stockholder in his local asso-
clation and every association a stock
holder in its district bank Each stock
holder in an association is liable for
the acts Of that association up to twice
the amount of his stock.
Milford chronicle., 1916-09-08
steamer will leave Philadelphia, Pier
10, North Wharves Race Street,
as follows:

New phone No. Bell Market 2679.
GEO. F. PIERCE, Manager,
MILFORD. DEL.
Milford chronicle., 1916-09-08
Organization of Banks.


The temporary management Of the
federal land banks Is to be In the
hands Of FIVE diectors appointed BY
the federal farm loan board. As soon
however, as the subscriptions from the
loan associations total 100000 regula.
directors are to be appointed as fol
lows: Three district directors. resident
in the district. shall be appointed by
the fedora farm loan board to repre-
sent the public interest. and six local
directors, resident in the district shall
be elected by the farm loan associa-
tions who nust be stockholders in the
bank The federal farm loan board
shall designate one of its appointees
act as chairman The act requires
that at least one of the three district
directors shall lie exre.iencc1 in farm
ing and actua'ly engaged at the time
of his appointment in farming opera.
tions within Tie district. ANY com
pensation raid to the directors must
be approved by the federal farm loan
board
Each loan association must have a
board of directors and secretary
treasurer. The directors shall serve |
without pay. The secretary treasurer
shall receive such compensation as
may be determined by the board Of di-
'cctors. Tho association must appoint
m appraisal committee for the pur-
lose of va'uing lands offered as Sc
'urity for loans. No member of such
.ommittee shall have any interest I'm
he property upon which he passes.
To provide funds for current ex-
lenses the loan association may re-
ain as a commission from each inter
st payment not to exceed one-eighth
+ ! per cent semiannually upon the
npaid principal Of the loan. This
ommiSsion is to he deducted from the
ividends payable to such farm loan
ssociation by the federal land bank.
the commissions are not adequate
nd an association does not wish to
ssess members for current expenses
mar borrow at per cent from the
,deral land bank to an amount not to
lceed I'm the aggregate One-fourth Of
s bank stock
The law requires both the land
INKS and the farm loan associations
make provision for certain reserves
fore they can pay any dividends.
in sections where local conditions do
It make the formation Of associations
actieable the farm loan board may +
.thcfizc the federal land bank to b..
AXE loans through agents approved
the board. These agents are to be
nks. trust companies. mortgage com 2,
MES or savings institutions chartered
the state They may receive as
the actual expense in ,
lved in tnnsacting the loan and in
di;ion thereto a sum not to exceed
a-half Of ! per cent per annum on =
, unpaid PRINCIPAL Of the loans made .
'Ough them. When the farm loan L
lrd decides that a locality is ade- Q
ltely served by farm loan associa-
MS no further loans are to be made I
ough agents.
h addition 70 the system Of twelve =
eral land hanks and the national =
m loan associations Of borrowers Il
act permits the establishment Of
1t stock land banks and authorizes
m to carry en- the business Of lend
directly to borrowers on farm a
'tgace sorrity and issuing farm =.
J bonds. These banks must have ~
ltal Of not less than S25OO00. They
under the supervision Of the fed II
farm loan board but the govern u
It does not lend them any financial W
stance
Milford chronicle., 1916-09-08
RETURNING

Stopping at way landings enroute down
river
Milford chronicle., 1916-09-08
Milford & PhiIa. Freight Line Go.
DOES NOT CARRY PASSENGERS
Str. George F. Pierce
WILLIAM p. WALLS. CnntaIn
SEPTEMBER

Weather permitting Steamer George +
Pierce will make trips as follows for th'
month Of
Milford chronicle., 1916-09-08

Provides System For
Lending Money on
Farm Lands at Rea-
sOnlb,e Interest For
Relatively Long Pc
riods = Amortization
Plan For Easy Repay
ment Prescribed e
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1916-03-10

Rc.atr.n, Kilsen Brown. George 3 s cccd,D'e q
V. Bennett. Richard Lnman, frank X. Leland
spe Gso'Is ~ H hssii;,shH Mdl,,li J. Ho.
r. D. McCorklndae. l. ". Buobett. John bcydi'
H. v Alb,echt. Iamann. -. Sa ar - a, y
Bray. Franklin woriley. 7. J. Wonly, H. Co.'S
Edmondson. Ralph Brown. W = sineiAr1 :,
G Gsss' y. 0 M a,c Han. T. g STEELE. T.
p nuesaIti S'9fy Igsh 10 vi j. i, G:9Tn' g.
J. I'; Timb,rms in' l. q BIRD T. o Foster. ". poys.
iray. {. H. Wagner join J. HAWKINS T. Y.
Richards. & II scott VI. Isylo, Lawre,ee p.
f f,S3si N Fp Sa.'J l. Wr3 russell Ts r. chap
mai. Charles 4. Prescott G.. Mut D. Hooei,s'
j. Wnse, j. b. CaIy Ralph Howe W. SIIlaNt.,a'
e. g Ryuuu. = g NeNen. James Packet. Cecll
Prince. Fllerf 4 Nosifdnd Frank Nesibroos. W.
g Bond VI C. Ga,alfia,n ~ vi = H-r F5is,S S.
non. " g Corfran " 4 Boos. T. D. Ross.
Nelson stone q o. Marcus Ln0, J. h. FsLoh, "
Robbins T. IT. watcrs. l.. 4. Beech. g RUSS
]. Boociessr. +. 7. Muhhsuser. Everett B9o..'
Trich Herrmsnn L. V I0ndslL l. ". Corheu.
A visitor. wsrnicAs H. Bernhard. csst;r e.hin'
Clinton Rsei. " Marion. d. T. Townsend. {. T.
Merchant. William Hessou; g. y. Ia~reni. {.
Wrench. II. M Coyne. T. Bn.ei T. .sn M ne,
more. red Hiii II. W. siat,sry. o y Messsr y
+. Parker. " 7. shaughnes,y. j W BOYS };
4 smith r. c. Bsuraiin. p. o MAYER. Kds.rd
g. q. Pryor. II. b. Underwood Willard ANTHONY
Wesley Blair. A. g. Be8ie. Hugh Cuihoeron
George Wilson q. " CucAoS II. W. Boyle. hush
Reid r s. Wilson. A. Hammond. il. NJ Hsrhng'
ton. 1855 J.. Long. >. y. barton. c Greene.
r l. W Bysirom. j. =. Murray. Fred Mesle.
T. b Augsburg. D. Ta,'snham. u. g. peisnb.ch.
R aiS H1rry MenIer. s " Isv,on. n "
Bland A. Hartmann. J. Mslaii4n. =. 4. Berbert.
EdwRrd Davidson Pred Bossmann. 4. &. FLEMING.
Robert Pet nue. Jerome j. Caree, ". Schoenner
J. T. Beck. william y. Campbell !. ~. Payne
q. y Hodtkins. Ednsrd =. Baker. l.. W Riich
II 4. Rohrhough. william p. Lander Is. N4ts,
G ~ Jo-den " ;. Wray. Sam Meise Fran.
Irony c. II Condor. , y Bro"a; Hsnford q
Napss :. ~ Galser SieenTsfe, Future Grand
child = u. Purcell A. ". Llkaski. B1helor
Walker Brown. =. S Al'wine. l. !. Smith r, =
Graham. H. Rodsness Msrshs'l Mccarthy. a 2
Hess " 6 Bolton h. flonmann. I. r. s,sIton
James Clnst Robsrf5. ! T. 1faendlcy. e / Oh'f-
holman. s sh1oek. W. T.. Germe'. " r. R.r
lister. A. y. Draks II. A. Fountain. " P.rridg,
Sherwood H0ihsier, Contrib ". =. Mcc'eilend
= " Phillips. g. u Prce, u. A Trofion. A. "
Cheney. =. II. Mayforh r. Serenheiz a. A. flr
nef J. ". Cooke. John A. Baker J. ". Sucpdtn
o. Y Bennett. W. A. Tulley. g. ". R9rers. a
u. Bell. II. Il Homsn. " ". Cine. A. w. CRIT
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1916-03-10
BATTLESHIP FUND
LAUDED IN HOUSE

Marioyie's Bsttleship Fund at
tanned Congressional recognition
Yesterday, as the climax Of q day
rich in Developments.
Representative william s. Bennett,
Of New York City, introduced reso-
luton into the House instruet'ns
the Secretary of the Navy to accept
the Marjorie Sterrett Battleship
Fund and such accumulations as
might be added thereto to assist the
government in safeguarding the ma
tisnal peace. He said:. 81 believe
that any citizen who wishes to give
money to the government for law
full purpose should be allowed 10
do So"
By a unanimous vote the student
body of Hamilton College decided
70 contribute to the fund as a prac-
teal opportunity for helping pre-
paredness. The students Of New
York University backed UP their
action of the preceding day by vot-
ing to send letters to the UNIVERSE
ties of the United States urging
them to contribute 70 the cause.
Plans for the tribute which the
French artists Of the city are pre-
pairing to give the Battleship Fund
on Sunday night took definite shape.
Among those who volunteered yes
terday to appear at the Theatre
Francais on that evening were Nine.
Jeanne Maubourg, mezzo-soprano,
and Miss Queenie Smith. premiere
danseuse. of the Metropolitan Opera
forces: Sally Hamlin, the thirteen
yesr-old great-grsnddsughter OF
LincoIn's viee-President, and Car
mencita, the we'll known Spanish
dancer.