Evening journal. [volume] (Wilmington, Del.) 1888-1932, 1916-10-10
LETTER NUMBER TWO,
!ouSTN BEN TO FARMER NED.

Wssbington. D. c.. sept p. 1916.
pear Cousin Ned: / have been chuck I
bnc for week over your dismay las
,av Won in nv vision of Rural Creditsl /
nhen Won discover that all three farm !
srs on your appraisal committee must
AGREE upon each appraisal, not by ma
ioritv. but unanimously. Farmers have
hard work TO get together, hut mutuSi
interest will finally get all the apprais
ais fixed up somehow
So YOU hold a meeting Of your Credit
MON. and all ten appraisals are APP
proved and lot of blanks are filed out
and mailed TO the Federal Land Bank
fhcsc are the applications for your
loans duly approved and endorsed by
vour National Farm Loan Association.
/, took a lot of talking to show thu tel
lows about why they had 10 buy stock
and ID was tremendous lob TO MI OUT
An those blanks. put YOU rttpped IN and
raid Squire Brown S25 TO hll them all
out. shin shape. lie spent two days on
The lob and charged S25-the old hog. 10
that cost You 81. 80 apiece. But it As all
done now and the papers are mailed 10
4ho hank, and YOU ten farmers ana
SQUIRE Brown sit around for two hours
swapping rlNAA'N w f'Ni N"-t ~
DAYS until it's way past feedin' time
before Won got started back home. on
have calculated that the bank ought Ia
get your papers nest day, ana, allow
ng whole day for the banker 20 read
vonr napers ~ h. doesn't just O. Is.
them without bothering 20 read Squire
Drwn.s handwrtng) you ought to get
tho cnsh bv the end of the week at the
rfnNf ltH-
focon the having aud cultiyating the
corn. and Won Law your plans 70 go right
10 work with some help. ditcmnp that
swamp as soon as the money is here.
Wen i'm about ten days, the seer tary
of vour National Farm loan AssoclA-
ton calls YOU mp by phone and notiil's
Won that there is TO he meeting OF the
association nest day. He says ne mas
heard from the bank, but the peskN
phone bnlzcs SO you can't understand
clearly iu-t what he says the banker
wrote Anyhow. the money must nave
come. so YOU will knock oil work ana
20 10 the meeting and get that money
ANA put in into bank where IT. VIII DC
safe until you use it.
Vixen YOU ret 90 the meeting you ma
that thcre is inst short letter from lhe
banker. saying he has received your ION
applications for loans, together WIN
vonr appraisals and that as early as
possible q Federal appraiser VIII n' as
signed 10 visit your locality. and pass
ON the appraisals. and II he cer.iie7
Thorn as satisfactory, q charter VIII he
issued to your National Farm Loan AS
ISOLATION and the loans be made
None Of YOU had understood about
this carpethagger's coming 10 do the ap-
n,a,sino WHY didn't they tell You be-
fore. instead of your spending all thl'
limo anpraising each others farms Both
s,n,.oitnls nocessarvs Bosh--why'
chats foolish for when Ben Samson put
r,ortoare on his farm he went Ia
Sauirc brown and filed out statement
o.,ich Squire signed under Ben's name
md the Sauire sent IL TO the insurance
.o,ononv he was agent for. and inside o.
,reel, Ben had his money. lher
uasat all this appraising and douo'
When /. that carpetbagger coming
The banker says that there has neei
such a flood of applications that then
,rnraisers are unable 10 keep mp witt
lhc calls on them. and as there rs non'
within three hundred miles OF you n
,,iii ,arhaps be some months before any
anpraiscrs reach Won. In the meanwhile
40 banker hopes the delay will not m
,onycnience any of the members. o.
course not. When a farmer sets ou'
10 borrow money, any old time VIII d'
If he is in no hurry.
Rnf that puts on tho improvement
YOU intended until harvest and theI
threshinr are upon youth fact You dc
eide NOT 10 start the Improvement mti
ncv. season. Any old time will do
hut IL Won do got your money this sea
ION tho interest begins right away. yo'
snow. .
About three months later citiie'
chan steps oil the train, takes the bu
10 The hotel and after registering AM
Getting a lot of mail, he inquiries 10
I'M Davis. the secretary ot your loca
National Farm Association. and intro
duce. himself with a letter Of credcu
tiais as tho Federal Land Bank az
praiser-the "carpethamer. as Bill call
him.
Next dav he gets a livery team an
driver and starts 20 visit your te
farms. lie can't inspect over two farm
a dav for thew are scattered all ov'
two townships. and 50 It takes I'M
noarlv week 10 get al around 20,
zen. and you can see how it is going
take a long time for the carpetba ggei
10 appraise all the farms to be NOR
gagged in America.
This chap takes lot Of notes in h
book and asks You all a lot Of quei
lions about what you raised each yes
for the last five years. and how niue
stock You keep--not double liabilit
stock. but real four-footed critters
and string Of fool questions about r.
tafion and fertilizer and deep plowinl