davidaulloa/AmericanStories huggingface dataset:
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18
SH0RT-TIME FARM LOANS.
Personal Characteristics and Business
Ability of Borrower Consid-
cred by Banker.

cred by Banker.
Department bulletin No. 400. Factors
Affecting Interest Rates and Othel
Charges ON Short-Tmc Farm Loans" by
TO- W. Thompson, specialist in rural or
ganization, gives the following discussion
of the bearing that the borrowers per.
sonal characteristics have on his ability
to obtain short time loans on satisfac.
tory terms;
The borrower who is known to be a
man OF honesty and integrity and who
shows ability and judgment in the con-
duct OF his farm business will ordinarily
command the confidence OF his banker
and obtain credit on terms relatively ia
vorable for his class OF loans, whereas
the individual who is uncertain in his
personal character erratc in his iudg-
ment and irregular in his business habits
will be considered less desirable risk
and, if he obtains a loan at all, usually
must pay higher rate of interest. In
any case, if credit is TO be extended wise
ly, it is just as important to discourage
its use among those who can not be
trusted as it is to grant credit to trust
worthy borrowers who will use the Dor.
rowed money profitably and repay it
promptly
"0ftentimes the borrower NAV be hon.
est and upright in his intentions, but
may Jail to appreciate the Importance
of being prompt in meeting his obliga-
tions. Possibly he thinks that few
days after the date OF maturity is soon
enough TO make payment, and that
little delay is unimportant. He may not
stop to consider that extra work and
expense are involved when notice must
be given OF overdue paper, or that bank
examiners do not take kindly to notes
that are overdue.
Again the business ability and bust
ness habit of the farmer are tested when
the banker asks for statement of the
borrowers business This information
is needed by the banker as basis for
intelligent rating. If the borrower is in
the habit OF keeping accounts and can
explain the nature of his resources and
liabilities and thus Indicate accurately |
his financial standing, the wisdom of
granting desired loan as well as the |
proper terms thereon readily can be de-
termined. On the other hand, if this in
is lacking and the banker is
in doubt about the safety Of particular
loan, he is likely to charge up his uneer-
tainty to the borrowers account in the
form of a higher rate of interest.
THE requirement that borrower shall
submit. statement of his business is
being applied by bankers in their deal
ngs with merchants and manufacturers.
Accordingly, business men in general
nave become more or less familiar with
his requirement, and are prepared to
furnish such statement whenever it is
allied for. Some bankers, in inaugural
ng similar plan in connection with
heir farm loan business, are supplying
armers with especially prepared blanks,
II rate sheets, on which the farmers fur
fish the desired information
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18
GROTON

D. G. Farrow while eranking his auto
mobile Saturday had the misfortune to
break one bone of his right arm just
above the wrist.
Mrs. r. Z. Pillsbury and daughter, Mu-
riel, returned Monday from a visit OF
several days in Montpelier and Water
bury.
Miss Louise Lewis left Monday morn
ing on her way to Columbus, O., as state
delegate to the national convention of
the Woman's Home Missionary society.
She was accompanied by Mrs. A. II.
Webb of Fairlee.
Miss Nellie Knox is taking a two
weeks vacation from her duties in the
Office of the Groton Times and left Mon
day morning for Worcester, Mass, where
she will visit friends.
Mr.. and Mrs. George Eastman returned
Monday from a weeks visit in Topsham
Mrs. J. A. McAllister and son, Leo, of
South Ryegate passed Saturday with her
parents, Mr.. and Mrs. l.. G. Welch.
Mrs. S. NJ Hood and daughters, Misses
Ivis and Hazel, of West Topsham visited
Mrs. Hoods sister, Mrs. L. G. Welch,
Saturday and Sunday.
NJ DcShitN was AZ Afloubptilti Dol-
urlay on telephone business. Mrs. Beck
ley was in Marshfeld several days last
week while Mr.. Beckley was there doing
repair work.
The schools were not in session Friday
on account of the most of the teachers
being in Burlington to attend the teach
ers' convention.
d. H. James is slowly recovering from
a broken rib and bruised side received
last week while attending to his horse,
which threw him against the side of the
barn.
DR.. II. A. Stevenson returned to his
home at st. Adams Saturday. Mrs. Stew
enson will remain with Rev. and Mrs.
F. w. Lewis, her parents, during the abb
sence of Miss Louise Lewis on her trip to
Ohio
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18
EAST ORANGE

Frank Wilson, who has been visiting
friends in Granville few days, returned
home Friday.
G. ii. Bohonon and son, Vernon, were
Barre visitors Saturday.
Mr.. and Mrs. Claude Clark were in
Barre on business Friday, stopping over
night with her parents in Orange and re.
turning home Saturday.
Mrs. Frank Wilson and children were
in Barre and Montpelier the last of the
week.
Edison Colby was home from Spaulding
high school over Sunday.
o. A. and II. A. Prescott, accompanied
by f. A. Burroughs and family, took an
auto trip into New Hampshire Sunday.
Miss Christie Richardson visited her
parents at Waits River Sunday.
Lawrence 0'Alera was in West Tops
ham SATURDAY.
Mrs. Angelina Hubbard of Waits River
is visiting her brother, A. r. Beede, and
family.
Mrs. Frank Bowen has proved herself
rather an expert in the use of firearms.
Foxes have been playing around among
her flock of turkeys for several days
and on Monday morning she saw one
waiting TO feast from the flock, near the
house. The men folks being absent, she
took the shotgun and went out to try her
luck and bought Sir Reynani down with
the first shot. Mrs. Bowen thinks when
the deer season opens she will be ready
to hunt larger game.
Herbert Woods of Lebanon, n. H., and
"a ri nf - A
Prescott's the first of the week. Mr.
Prescott returned with the troops from
the border a short time ago.
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18
Home Made Candies.

toothsome mixture-Put the follow.
ing through food chopper: one cup nut
meats, one cup raisins, one cup dates, one
cup pulled rice Press the mixture into
tin nabisco box and place a weight
upon it. 1t "a hours ii will be firm
| enough to cut into squares. Dip the
squares in melted sweet chocolate
Cherry Marshma llows-Soak four
ounces of gum arabic in one cupful of
the juice from maraschino cherries.
When dissolved. strain through cheese
cloth and put with one-half pound of
powdered sugar. Boil in double cooker
until the mixture is thick. The usual
test may be tried Remove from the fire
and dip it into the beaten whites OF
three eggs Add one-half cup of chopped
cherries. Dust a pan with cornstarch
and pour the mixture into it. Let stand
for two hours and cut into squares and
dust with cornstarch and powdered sug-
ar. Press whole cherry into each
square. Chocolate marshmallows are
made BY using water instead of cherry
juice and dipping the squares into melt
ed
Persian fondant bars are made by plac-
ing layers of ripened melted fondant IN
a buttered pan. Pour a layer OF chloe
olate into the pan and when cold pour
on layer of white vanilla fondant. then
a layer of pink fruit fondant and last
layer of green nut fondant. When cold
cut into bars.
Orange Cubes-Saok two ounces OF
sheet gelatine in one cup of water. Boil
one cup of orange juice and four cups of
sugar. Add the gelatine and cook 20
minutes. Add one cup of chopped al
monds and one cup of chopped figs. Turn
into creased pan and when perfectly
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18
BROOKFIELD

Charles Smith and son and Lucier
Wright of Montpelier were recent caller
on their cousin, Mrs. f. L. Fullam, anc
family.
Mr.. and Mrs. w. r. Perham CLOSED
their house Sunday and went to Hart
ford, where they expect to spend the
winter.
Mr.. and Mrs. D. d. Howe of Randolph
were guests Friday of his sister, Mrs
G. F. Mason.
Mrs. G. l. Dugan and Mrs. A. B. Whit
tier and daughter, Bessie, visited friends
in Barre Thursday.
Mrs Henderson and SON. who have been
spending several months at the Anderson
cottage at the Center, went Saturday to
their home in New York.
Earl Haggett has gone to Windsor,
where he has employment in machine
shop.
The free public library will be open
every Friday afternoon, instead of Sat
urday.
Mr.. and Mrs. F. L. Holt have had for
recent callers and visitors from Barre,
Allen Flanders. Charles Faulkner, Will
liam ST. John, Mrs. John Booth and two
children, Thomas Blann and wife, James
Cow, Roy Blanchard and wife and Mrs
Harry Blanchard.
Mr.. and Mrs. Thomas Babazon and
Mrs. Grant of Hartford, Conn, came
Friday and occupied their cottage till
Tuesday.
Miss Avis Lewis came from her school
work in Duxbury Wednesday and stayed
! l. h., tJY- I'd
Mrs. C. c. Lewis.
NJ. E. Chase went to Springfield, Mass,
Friday to meet his wife, who preceded
him one week to visit their daughter,
Mrs. Herbert Holmes. They returned
home Tuesday.
Miss Florence M. Phelps came from
Thursday to spend the day
with her aunt. Mrs. A. L. Follansbee.
The board of civil authority is to meet
at the town clerks Office Saturday even
ing Oct. 81, at Z o'clock to revise the
and transact other necessary
business.
Among the teachers in town who went
TO Burlington Wednesday to attend the
state teachers convention were Misses
Edna Sargent, Isabelle Griffith and Hazel
~dFpeHteI.
Mr. and Mrs. Edwin Sprague and two |
children of Barre visited her parents, Mr.. |
md Mrs. J. w. Blakebrough, Sunday.
Brookfed grange meeting Friday even
ng. Oct. 90. Brookfeld grange fair on
Wednesday evening, Oct. 25. There will |
re an entertainment and supper will be
erved
Chicken pie supper this week Thursday
,vening at the parlors of the Second
hurch. There will be an entertainment.
supper will be served from 6 o'clock till
Mrs. Helen Wilcox is visiting her
laughter, Mrs. F. d. Ladd, and family in
Barre.
Mrs. G. l. Dugan is visiting friends for
few days in Massachusetts,.
A. Champion of Meriden, Conn, came
friday and took his son. Arthur, who
as been boarding with Mr.. and Mrs.
|. R. Rumney through the summer, home
nth him Saturday.
The ladies of the aid society of the
econd church will meet with Mrs. Tay
,r at the parsonage Tuesday afternoon, I
let. "a. A full attendance is desired.
here is business to be transacted. L
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18
CORINTH

Mr.. and Mrs. Mears, Mrs. Eva Martin
and Ida Everest of Milton visited at G.
L. Parker's last week. Mrs. Parker went
home with them to make short visit.
Mr.. Kidder of Bethel gave a picture
show at academy hall Saturday night.
He is to return again in two weeks.
Miss Alice Wilson visited at Charles
Washburn's last week.
Mr.. and Mrs. j. K. Jacobs took an
auto trip to Burlington Sunday, bringing
back Mr.. Jacobs sister. Mrs. Brainard,
who will visit them a few days.
Catherine Edwards is i'll with the grip.
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18
WILLIAMSBURG

Mrs. c.. Elizabeth Tarbell of Randolph
is the guest of Mrs. Laura Walker.
n. r. Graham of Graniteville has moved
to the farm lately vacated by William
Charbonneau, the place being known as
the Irving Robinson farm.
The Home Study club will meet at the
home of Laura Ainsworth on Thursday
afternoon, Oct 10, at the usual hour, 2:l5
o'clock.
Elmer L. Tracy, who sold his farm in
town and moved to Barre several months
ago, has lately bought the farm for
merly owned by Edwin NJ. Whitney and
later by Walter and Charles NJ. Edison.
1t is reported that Mr.. Tracy will build
house at once, the one on the farm hav.
ing burned several years ago. We are
glad to have Mr.. Tracy return to town
and build.
Mrs. Lillian Reynolds has been out of
town on visit to relatives for some time
and is just now helping out at the Waits
field house in that town.
Eugene H. Call has made quite an
amount of cider this fall and Ira B.
Wright is having good success selling in
Barre.
Glenn f. Morgan and Angler Edwards
have gone to Hartford, Conn, and both
have secured employment there.
Mrs. Vernon Slavery overexerted her
self on the day of the fire and has been
quite i'll since at the home of her brother,
Leslie G. Sayery, but is now reported to
be better.
Charles NJ Edison of East Montpelier
has been in town lately to sign the deed
of the farm lately sold to +. L. Tracy.
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18

cold. cut into cubes and dust with pow
dered sugar.
For candied peel, select smooth fresh
skins of oranges or lemons. Scrape off
as much as possible of the inner white
skin, then when the skin is thin and
clear cut into strips Cook thick syr-
up of sugar and water and simmer the
peel in this. This process must be thor
oughly watched and stirred to prevent
burning. Take the peels from the pan
and roll them in powder ! sugar. A
small fancy box filled with candied peel
makes delightful gift. Candied fruits
are made by cooking cherries, diced pine
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18
Busy All the Time.

Little Harold came in the other dsy
crying and rubbing several bumps caused
by series Of butts" administered by a
pet sheep.
well, Harold" said his sympathetic
suntie, what did you do when the sheep
knocked you down."
Il didn't do anything; ] was getting
up all the time.--The DelinestOr.
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18
MOTHER SUPERIOR
Says Vinol Creates Strength

Rosary Hill Home, Hawthorne, \. "
Il have used Vinol for. many rundown,
weak or emaciated patients with benefit.
One young woman was so weak and i'll
she could hardly creep to my door for
aid / supplied Vinol to her literally and
in month ] hardly recognized her. She
was strong, her color charming and her
checks rounded out Mother NJ. AL
phonsa Lathrop, o. S. ID.
We guarantee Vinol to sharpen the ap-
petite. aid digestion, enrich the blood and
create strength. Red Cross Pharmacy,
Floyd G. Russell, Prop, Barre; also at
the leading drug store in all Vermont
towns.-Adv.
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18
VERSHIRE
Reception Given Mr.. and Mrs. Charles
Bailey By Grange.

The reception for Mr.. and Mrs. Charles
Bailey, given by the grange, was one OF
the pleasantest occasions OF the season
The village hall was beautifully dec
grated under direction OF Mrs. l.. S.
Spear, who had it in charge. Special no.
tice is given to the help of the school
children, several of whom had enjoyed
Helen as teacher They strung maple
leaves so there were several rows around
the hall and they gathered flowers and
boughs. IL was indeed very pretty. An
interesting program was first in order.
| The presentation was made by Rev.
George Perry and very prettily responded
to by Mr.. Bailey. Music for the dance
was by Mrs. Cook and Mrs. Eastman of
West Fairlee. Fred Worthley and Helen
and Harry Worthley OF Bradford came
over for the evening. There was large
gathering for such stormy night.
Rally day was observed at the Congre.
gationa church last Sunday. nice
program was given and music furnished
by the male quartet Mr.. Perry spoke
from the text, LAY not up for yourselves
treasures on earth, where moth and rust
doth corrupt" He gave nice sermon
cite for the children, but one all could
apply.
Mr.. Childs of Corinth is stopping in
town, teaching music.
Mr.. and Mrs. w. b. fuller and Harri-
son and Mr. and Mrs. John Sleeper re-
Gently visited Mr. and Mrs. +. p Brown
in Cornish Flat. n. II. They found Mr..
Brown able to be about.
Mr.. and Mrs. Chester Grant visited
John Chase in Barre the first of the
week.
Mrs. Philena Davis, mother of Mrs.
George +. Stacy is at Mrs. Stacy's and
is very ill.,
Mrs. Maria Dow of Cabot is visiting
c. Turney and Mrs. Stanley.
Mr.. Lut and his sisters are moving to
the farm recently purchased from Jerry |
O'Day.
Leon Cilley has so far recovered from |
his recent attack of typhoid fever as to
be moved to his home in West Corinth.
Mrs. Annie Cotton of Post Mills was
in town last week, attending to her farm.
There was husking at George Z.
Stacy's last week and very pleasant
evening was enjoyed.
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18
AT LAST

we have found full cabinet Talking
Machine that for musical quality suits
us, and if you love rich musical tone
it will suit you, and the price is only
S750o-just one-half the price usually
asked. Terms, $1,000 down and $500 a
month. Uses any disc records. We have
them in Burl Walnut and Mahogany.
Send for catalogue; sent free to any ad-
tlress. Good agents wanted. Geo. d.
Jarvis & Son, Burlington, Vt.-adv.
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18

apples, strawberries or segments of
oranges in the same manner until they
are firm and transparent. The canned
fruits may be used if they are solid and
whole Mock candied cherries are made
by cooking cranberries in a thick syrup
until they are firm and candied.
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18

little red points sticsinC out on tongue, start
ing during sleep. slow fever.
Over SO years ago Or. True discovered the
formula Of Dr. True's Elixir. the Family Lax
alive and Worm Expeller. Since then people
have been writing US letters like this My
little granddaughter had pinworms very badly.
and after taking part Of bottle Of DR.. True's
Elixir is very much better Mrs Georgia
Philpot Houston. Texas This remedy has
worid-vride reputation ~ the one safe and re-
liable remedy for worms and stomach disorders
for both young and old. At dealers'. 35e. soc
and sl-e0. Advice free. Write me.
Auburn. Maine Il
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18

tractlVe as natural hair.
Most ladies would resent any impu-
tation of personal carelessness and
neglect. And yet very many permit
their natural hair to become so dull,
brittle and lusterless that it looks no
better than that bought at the store.
All this is as unfortunate as it is
unnecessary. Hair that is unsightly
or thin may usually be attributed to
the destroying effects of Dandruff.
This destructive formation shortly
robs the hair Of life, with the result
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18

Signs Of worms are: Derange,i
stomach, swollen upper lip.
sour stomach. offensive breath.
hard and fun belly with occa-
sional gripings and pains about
the navel. pale face Of lcsden
tint. eyes heavy and dull. tsitch-
ing eyelids. itching Of the nose.
itching Of the rectum. short dry
enurh- grinding of the teeth
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18
WEST CORINTH
Alden True Badly Injured When Auto
Left Road and Plunged Into Field.

Alden True met with serious accident
last Thursday while returning from Cor.
inth Corner in his auto. When he was
nearly opposite the farm buildings of
Horace White the ear left the road and
landed in the field several feet below.
Mr.. True was thrown out and was found
short time after by Lewis True, lying
four feet from his auto in an unconscious
condition. He was removed to his home
and Drs. T.. II. Bailey Of Graniteville and
Dow of Bradford were called They
found his shoulder broken. also his elbow
and three ribs, besides badly sprained
ankle and knee,
Miss Helen Blake and sister, Natalie,
are visiting their grandparents, Mr.. and
Mrs Charles Blake, for a few days.
David Ward has purchased new auto
OF L. III, Kennedy of Chelsea.
Mrs. o. +. Libbey is visiting relatives
in Lyndonville.
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18
BERLIN.

Among the farmers Of Berlin who are
attending the dairy show at Springfield
Mass. are s. c. Pike, NJ. Corliss and +. II.
Warren.
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18

everywhere among all classes. It
may be purchased in so cent and 81. 90
sizes at all drug stores and toilet
goods counters. Applications may
be obtained at the better barber
shops and hair dressing parlors.
Upon receipt of 10 cents in postage
or silver to cover cost of packing and
mailing, The Herpicide Co., Dept. S,
Detroit, Mich, will send to any
address a nice sample bottle of
Herpicide and an interesting booklet
on the care of the hair.
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18
If Mothers Only Knew

how often children suffer from worms. they
would take care and guard against this com
mon siIr,ent Of childhood
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18
Use Newbr0's HerpiCide
IN TIME AND YOU WILL NEVER
NEED FALSE HAIR

Wearing false hair is a harmless
deceit of which many ladies are
guilty. These women are all objects
for sympathy rather than criticism.
Early neglect in the care Of the
scalp has caused the loss of so much
hair that their personal appearance
is sadly marred. To correct this de-
feet they resort to artificial hair
hoping by SO doing to hide the re-
suits of their earlier inattention to
the details of their toilet. These I'M
fortunates are deceiving no one but
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18

that it finally loosens and drops out.
There is preparation, sold and
guaranteed by all dealers, the intelli-
gent use Of which will kill the
dandruff germ. 1t cleanses the scalp
Of all accumulations and makes the
hair shine with the luster of life and
beauty. That remedy is Newbro's
Herpicide, the Original Germ
Remedy for Dandruff. In no way
can you add more to your personal
charm and attractiveness than by
the use of this remarkable and well
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18

known scalp pro-
phylactic.
On account Of
its astonishing
merit and its de-
lightfl and ex-
quisite odor, Her
picide finds users
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18

themselves as no
artificial hair no
matter how cost
~, ever has the
snap and luster
nor can it be
made to look as
pretty and at
The Barre daily times. (Barre, Vt.) 1897-1959, 1916-10-18

sssurn. Maine
The Birmingham age-herald., 1916-07-16
Seymour to Stage Another
 Aquatic Meet Wednesday,

ested to play in this game should report to him not later than Tuesday at noon, and he will place him on one of the teams.
 The four Levvy brothers will partici- pate in the meet and promise to break all former records in swimming. Ed Spencer, swimming instructor of the Birmingham Athletic club, will be on hand to please the crowd with an exhibition in fancy diving.
 Captain Seymour promises to make this meet the best meet ever held in this sec tion, and has arranged programme that should please. He has secured the serv- lees of several prominent swimmers of the south, who will enter the meet. Cap tain Seymour will close the meet with an exhibition in fancy swimming, and fancy high diving. He will also give a demon stration in life saving. The programme is as follows:
 LADIES 25-yard swim.
 50-yard swim.
 MEN 25-yard straight swim. 50-yard straight swim. 50-yard breast stroke. Fancy diving from spring board. Plunge for distance. Underwater swimming for distance 100-yard straight swim. Quarter mile swim. Fancy high diving.
 BOYS 25-yard straight swim 50-yard straight swim. Plunge for distance 1oo-yard relay each boy to swim 25 yards,
 Underwater swim for distance. 100- yard swim. Fancy diving from spring board.
 FEATURES Exhibition in fancy high diving by Ed Spencer. Exhibition in fancy high diving and swimming; demonstration in life saving by Captain Seymour.