davidaulloa/AmericanStories huggingface dataset:
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1916-11-02
RURAL CREDIT LAW.
Turin, Iowa, Oct. Both, 191


To the Editor:
/ have just read the criticism in The
Independent Of the new rural credit
law. 1t appears as a political adver-
tisement, but it seems to the writer
that this is no excuse to find fault
with an honest effort to give the peo-
pie of the United States rural credit
law. Of course, this law is not, per-
haps, perfected in every detail, and as
a matter Of fact, it cannot be so per-
fected, like the rural credit law of
Germany, until the states all pass
similar legislation. The reason is that
the title laws are all within the juris-
dictiOn of the states.
The rural credit law does not seem
to be understood by those whom it is
intended to benefit. It is purposely
not understood by those like the writ
Ell Of the above mentioned political ad,
who for some reason wishes to dis
credit it. It is in reality nothing more
than a system of banking that issues
bonds against mortgages, and in so
doing removes as far as possible,
every objection of an investor to a
mortgage. If the man who thinks
that there is nothing possible wrong
with a farm mortgage, let me ask
what he would ask if he had $4,000
and was offered for his cash a farm
mortgage? He would surely ask
about the title and the valuations of
the farm. If the farm was at some
distance from his home he would find
that he would Of necessity spend con-
siderable to satisfy himself on these
two points and he would, of course,
charge more interest or commission
than if he went into the market and
bought a security that did not require
any expense or special knowledge to
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1916-11-02
Eireflies, lioht.

The larvae of the firef1ies are able
to produce glow and this has led
some to mistake them for glowworms.
In reality there are no real glowworms
in the United States. The source Of
the glow in immature flreflies is not
known exactly, but it is believed that
some OF the minute glowing organism
of the female insect may adhere to the.
young, enabling them to give forth q.
light Of their own.
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1916-11-02

the farmer is paying a higher rate
than the city, corporation or govern,
ment, while his security is no doubt
the best. A government or municipal
bond has the advantage over a farm
mortgage in four principal points
first, the title to farm is not exact
ly perfect and must be shown to be so
by an expensive abstract that costs
something and requires bother. Sec
ond, the valuation of farm might be
too high and the investor must satisfy
himself as to this in some way. He
either makes his estimate so low that
he knows by a general knowledge of
the country that he is safe, or he
takes the word of the agent, or he
comes and inspects the farm himself.
ANY of these methods requires ex-
pense and bother. Third, the mortgage
is taxed while the bond is not. Fourth,
there is always a market at some price
in cash for bond while there is not
for a mortgage. A new buyer must
Of necessity go all thru the original
program before he is safe in buying a
farm mortgage, and of course, the
borrower pays for all of this expense
and bother, over and above what a
bond would be required to pay, that
did not present any of the above de-
scribed expenses or hazards.
A rural credit law should be merely
a system of titles and banks that
would remove all of the above obpec-
lions from mortgage. The state or
government should take care of and
guarantee the title. This can be done
by installing a recording Office that
would prevent errors being recorded
This office could certify as to the con-
dition as we'll as an abstractor. To
provide against unavoidable errors
and contingencies, an assessment OF
one-tenth Of one per cent is collected
at each and every transfer of mort
gage, to make the government safe
This answers the first question. The
bank and state work together to gel
the valuation correct, and the state ap.
praisers have the last word. This
protects against fraud, and answers
the second question. The bonds that
are issued against the mortgage are
not taxable and this answers tn;
third question. The bank or rura
credit society has a reserve in casl
dIlu NudhcS Luc JULIUS IcduAy SdlcdUlt
because the bank or society stand.
, ready at any time to cash the bond.
with A per cent interest. This give.
the investor demand deposit, backet
by the best security in the world
drawing A per cent interest.
This will put the farm mortgage OF
the market the same as city or gov
eminent bond, with ready market il
cash at some price. OF course it i.
not true that these bonds would al
ways sell for par, but in this respec,
they would be no different from Other
bonds.
As a matter Of fact, the power tt
create such system is not within
reach Of Congress, because the taxa
ton laws and the title laws are all OF
partly under the state jurisdiction. Ii
order that there would not be too
much confusion and misunderstanding
on the part of the investor, these STATE
laws should be all exactly alike in thu
various states. Mr.. Wilson has sue.
ceeded in getting the present rura
credit law passed and it will advertise
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1916-11-02
@ o o o o o 8 o 8 o o o 8 O @ o o
o BURLINGTON. @

o 90 o @ @ 8 o 90 o o o o o o O
The report of the principal of Bur
lington schools shows the following
particulars: Room - Enrolment,
boys, 10, girls 16; per cent Of attend
ance, boys 97.6, girls 91.4; total 94.5.
Room 2-Enrollment, boys IL, girls
IL; per cent of attendance, boys 94.8,
girls 94.8, total 94.8. Room EN-
rollment, boys 8, girls IA; per cent of
attendance, boys IS, girls II; total 80.
Room 4-Enrollment, boys Z, girls a;
per cent of attendance, boys 98.1, girls
84,3; total SO. Total enrolment Of
the school-boys Al, girls As; per cent
of attendance 90.5. The above facts
show a very creditable condition of
our public schools and speak very
highly for the loyal manner in which
the parents are lending their assist
ance to the teachers in building up an
interest in educational affairs.
E. A. Madsen is making arrange
ments to 90 to Raymond, Mont, the
last of the week to inspect the large
general store at that point in which he
is interested.
Mrs. J. Y. Millar was visitor to
the Wonder City Tuesday.
The mines in this district are being
greatly hampered in their operation
by the lack of cars. A movement is
on foot to call the attention of the
state railroad and warehouse commits
sion to this fact, and also call their at
tention to the fact that the mines at
Wilton in which certain officials of the
500 line are interested are peculiarly
free from annoyances Of this nature
In this connection we cannot forbea1
to remind the public that they should
by all means lay in a goodly supply
Of Burlington Ignite at their earliest
opportunity. We gave the same
warning last season and when it was
too late many we're sorry that they
gave no heed to our advice. Don't
make the same mistake twice.
The regular meetings of the Bur.
lington Camp M. w. A. are held the
second and fourth Tuesday evenings
Of each month. The next meeting vii
occur after election and consequently
there can be no excuse for failure tt
attend, brothers.
The Ladies' Aid will hold their an
nual sale on Friday evening of thi.
week at the Opera House. In con
nection with the sale supper will b.
served from $50 to 800 p. m. LIE
everyone turn out and make this oc
casion marked success.
Judging from the way grain is be
ing brot to town one would have n
idea there was a crop shortage thi
season. One day this week we OBJ
served seven heavily loaded grail
tanks lined up before the local eleva
tors waiting their turn to unload. Bot
the Hogy and the Olson Grain Com
rany houses are doing a splendid bus
mess this season. Besides the eleva
tors which he operates here and at De
Laos Mr.. Hogy has to attend to hi
large farming interests north of town
and any one of these interests woul'
be sufficient to claim the entire atten
ton of an ordinary man, but Han
carries his responsibilities lightly an
is constantly alert and keeping hi
various enterprises running smoothly
We understand Mr.. Hogy still has I
few cows for sale at the old Mui
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1916-11-02
Thinu Of the Past,

Betty had been punished. Her aunt
did not know that, and, when she came.
into the room and found Betty sitting:
disconsolately before the window, she.
said: "Why, look at our little Betty.
She looks ready to cry. What is going
to happen, I wonder?" Betty looked
up and then said solemnly: ut has
happened"
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1916-11-02
Fathers Position.

One evening we were entertaining
our guests. One Of the men took my
little brother on his lap. The man
said, "What is your father, my little
mann" He answered, "A man." The
man asked him then what his father
did, and he answered: "Just what
mamma tells him to do."-Chicago
Tribune.
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1916-11-02
II MAY 3. So.

Willie-"Why is wife called her
husbands better half. dady' Crab
shaw: II suppose it's because she
isn't satisfied with splitting his salary
hfty-fifty."-New York Times.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16
SPOONER VILLAGE
WELL JOB AWARDED

Spooner, Mimi, Sept. 16.-Oscar
Olson of Bull was the only bidder
for the contract to drill the Spooner
flowing WE'LL His bid was 81 per
foot, regardless of depth or rock en-
countered. The contracts calls for
a seventy-ive gallon flow per minute
within a twenty-four hours test.
The village we'll from which the
water will be brought to all parts
of Spooner by an adequate water sys-
TEN will be drilled on the corner
south Of Colburn avenue and east
of Mill street, just outside of the vii
lage limits.
Contractor Olson will begin opera
lions as soon as he has completed his
other contracts that he has now I'M
der way at other localities.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

MISS Esther johnson was pleasant
~ surprised last evening at her home
In Nymore by a number of her
friends. Those present were May
Clement, Vernice Volty, Helma John
son, Margaret Stevens, Mrs. Carl
ramsey, Norma Anderson, Ella An
derson, Lillian Kruger, Mayme De-
Rushia, Eva DeRushia, Eve Durand,
Hazel Severson, Blanche Latin, Myr-
tie Mccullough, Leona Schmidt, Olive
Schrolt, Mrs. Coppenberg, Mrs. O. So
der, Anna Halseth, Hazel Supry and
Walter Larson, Louis Larson, Harvey
Supry, Laurence Supry, Louis Kid
der, Frank Kidder, William Kidder,
Leon Conditt, William Elmquist, An
ton Blink, Carl Ramsey, B. Johnson,
Frank hilbert, Charles Hook and Roy
x. Wickland, Jr.
The Misses Mable and Lucy Brooks
entertained the Polly Anna club at
lCheir home on Lake Boulevard
Thursday evening. This was the
first meeting of the club this fail.
Among those present we're the Misses
Thelma Johnson, Minnie Olson, Capt.
tola Stewart, Helen Backus, Halle
Lampman, Vera Backus, Nell Han
son, Ruth Jones, Rosa kirkland, Ida
Brown, Fail Edwards and Reyle Ed
wards, Agnes Edwards, Emma Fores-
berg, Mary Bell, Elizabeth Erickson,
Miss HIGHLAND and Carrie Armstrong
Among the out-of-town shoppers
in Bemidji during the county fair
were Mrs. Hyenes of Pinewood, Mrs.
M. Walters and Mrs. J. H. Locke of
Turtle River, William Fellows and
family and Roland Fellows and fam
lily of Tenstrike, Mrs. D. E. Lester of
Lavinia and Mrs. Philip Medley and
Mrs. G. Treffard of Tenstrike.
Don't envy g. person because he
has better position than you have.
II you cannot keep up with him, it
/ is perhaps your own fault You may
( be lacking in knowledge and special
training. If that is the case, all you
have to do is to attend Mankato Com
mercial College. Send for their cata-
log.-Adv.
Mrs. M. l.. Fuller and daughter,
Iva, of Pleasant Valley, who have
spent the past few days in Bemidji
attending the county fair, returned
to their home today. While in Be-
midi they were the guests of Mr. and
Mrs. G. E. Battles of Lake oBule-
ward.
Miss Corrine Carlson, daughter of
Mr.. and Mrs. A. T. Carlson, has gone
to Hamline university, St. Paul where
she will be a student. Miss Carl
SOn ia q radnafo If tho o1acc If I Of &
of the Bemidji schools.
Mrs. G. Nj. Torrance entertained at
bridge Thursday afternoon in honor
of Mrs. Frank Coffey of Fort Smith,
Ark, who is q guest at the A. P.
White home.
Mrs. Eli Arnold arrived home
Thursday evening from Sask., Can
ada, where she has been visiting her
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16
THIRTY-THIRD DEGREE
MASONS IN CONVENTION

(By United Press)
Pittsburgh, Sept. 6.-Thirty-thir
degree Masons to the number of 700
attended the annual session of the
Supreme Council, Ancient Accepted
Scottish Rite of the Northern Juris-
diction of the United States here to-
day.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16
WINNIPEG WILL
STEP BACK AN HOUR

(By United Press)
Winnipeg, Man., Sept. 16.-Winni-
peg, having saved a lot of daylight
all summer by jumping it's clocks
ahead an hour, will stop the clocks
for an hour tonight at midnight and
get back on standard central time
once more. That means the folks
here will sleep an extra hour in the
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16
ARGENT1NA's G G84AE M .,,,,<,
(BV United Press)

(By United Press)
Buenos Aires, Sept. 16.-Argen-
tina's wheat has been sold almost
exclusively to the Allies during the
last six months. 1t has been ship
ped, with practically no exceptions,
in British bottoms. The export was
1,379,962 tons, of which the United
States took less than 100000.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16
ESTRAY NOTICE

Red COW came to my place, half
mile south of brick yard, Sept. IA.
Owner can have same by paying
charges and for this notice. D. J.
Nicely, Bemidji, Minn.-Adv. 9l9
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Miss Louise SkendoZ of Spur wa,
visitor in Bemidji yesterday.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

$4,000 to loan on farms. Dear
and CO.-Adv. dit
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Mrs. B. r. Erickson entertained al
a sewing bee Thursday evening.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

w. E. Dean, who has been spend
ing. the past ten days in Iowa and
Southern Minnesota, returned this
morning.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Your friends can buy anything you
can give them-except your photo
graph. Come today; lady operators.
Rich Studio, 20 10th St.-Adv.
26d92O
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Fancy California peaches, 80 cents
per box; pears $3.50 per box; plums
$1.65 per four-basket crate. Tropp-
man's.-Adv. GIG
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Miss Nellie Covell, who is teach
ing school at Pinewood, is spending
the weekend in Bemidji visiting
friends
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

NJ w. Knox of Nebish returned
to his home today after having spent
several days in the city and at the
county fair.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16
morning, making up for the hour
they lost last spring. - y
THEATRES
Rex Theater.

Rex Theater.
Tonight at the Rex theater Helen
Holmes will appear as judith of the
Cumberland" Miss: Holmes is
widely known as the famous railroad
girl in Hazards of Helen" also as q
most capable emotional actress which
was demonstrated through her excel
lent work in whispering Smith,
and Medicine Bend"
Grand Theater.
Jesse L. Lasky will present Theo-
dore Roberts in mr. Crex of Monte
Carlo at the Grand theater Sunday
afternoon and evening. This play is
a perturbation of the book of the
same name written by E. Phillips
Oppenheim.
There is timeliness about "Mr.
Crex of Monte Carlo which lends
additional interest to the story. Mr..
Crex and two other diplomats meet
for the purpose of arranging an in
ternational pact and drawing up a
new map of the world.
The story was published recently
in the Saturday Evening Post.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Fancy California peaches, 80 cents
per box; pears $3.50 per box; plums
$1.65 per four-basket crate Tropp-
man s.-Adv GIG
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

L. A. Smell and two sons returned
to their home at Boy River yester-
day after spending the, past two
weeks here visiting friends.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Earl Staples of Breckenridge, MINI.
is the guest of his uncle and aunt,
Mr.. and Mrs. o. H. Manaugh, of Lake
Boulevard
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Born, to Mr.. and Mrs. R. E. Smith
Mill Park, Thursday, a daughter.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

sister, Mrs. Hurd, for the past two
months.
Mr.. and Mrs. H. E. Bowers of
Eckles were guests at the J. G. Nc
Chez home yesterday. While in the
city they also attended the county
fair.
Forrest Sathre, who has spent the
summer at the Boobar farm near
Nary, returned to Bemidji yesterday
and will enter the school here
L. A. Smell and two sons returned
to their home at Boy River yester-
day after spending the past two
weeks here visiting friends.
Fancy California peaches, 80 cents
per box; pears $3.50 per box; plums
$1.65 per four-basket crate. Tropp-
man's.-Adv. GIG
Ben Richardson, formerly of Be-
midi, now of Minot, N. D., is spend
ing several days in Bemidji as the
guest of Thomas Johnson.
Mrs. o. H. Manaugh has returned
from Breckenridge, Mimi, where she
has spent the past week as the guest
of relatives and friends.
A. G. Wedge, vice president of the
First National bank, returned on
Thursday from Grand Rapids where
he had been on business.
Miss Medora Rice, who attends the
Bemidji high school, left yesterday
for Tenstrike to spend the weekend
with her parents.
Fancy California peaches, 80 cents
per box; pears $3.50 per box; plums
$1.65 per four-basket crate. Tropp-
man. .-Adv. 916
Earl Staples of Breckenridge, MINI.
is the guest of his uncle and aunt,
Mr.. and Mrs. o. H. Manaugh, of Lake
Boulevard.
M. w. Knox of Nebish returned
to his home today after having spent
several days in the city and at the
county fair.
Your friends can buy anything you
can give them-except your photo
graph. Come today; lady operators.
Rich Studio, 20 10th St.-Adv.
26d920
Miss Nellie Covell, who is teach
ing school at Pinewood, is spending
the weekend in Bemidji visiting
friends
w. E. Dean, who has been spend
ing the past ten days in Iowa and
Southern Minnesota, returned this
morning.
Fancy California peaches, 80 cents
per box; pears $3.50 per box; plums
$1.65 per four-basket crate. Tropp-
man s.-Adv. 916
Mr.. and Mrs. H. J. Conant, who
have spent the summer at St. Thomas,
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

One OF these nice Gays you ought
tc go to Hakkerup's and have your
picture taken.-Adv. 1T
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Mrs. Carrie Yerdahl of Gully was
a Bemidji visitor yesterday making
arrangements to move to this city.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Mrs. P. G.. Lyons of Portland, Ore,
is visiting friends in Bemidji this
week.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Forrest Satire, who has spent the
summer at the Boobar farm near
Nary, returned to Bemidji yesterday
and will enter the school here.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Mr.. and Mrs. H. J. Conant, who
have spent the summer at St. Thomas,
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

F. V. Gardner left today for his
home at Puposky after spending sew
eral days in the city.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Nina A. Myers. Hair dressing,
scalp treatment, etc. Switches $3.50.
Troppman Block. Phone 112-W.-
Adv. 927
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

sister, Mrs. Hurd, for the past two
months.
Mr.. and Mrs. H. e. Bowers of
Eckles were guests at the J. G. Nc
Chez home yesterday. While in the
city they also attended the county
fair.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Ben Richardson, formerly of Be-
midi, now Of Minot, N. D., is spend
ing several days in Bemidji as the
guest of Thomas Johnson.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Fancy California peaches, 80 cents
per box; pears $3.50 per box; plums
$1.65 per four-basket crate. Tropp-
man s.-Adv. GIG
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Mrs. o. H. Manaugh has returned
from Breckenridge, Mimi, where she
has spent the past week as the guest
of relatives and friends.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

N. D., have returned to their home in
Northern.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Mrs. Eli Arnold arrived home
Thursday evening from Sask., Can
ada, where she has been visiting her
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Miss Medora Rice, who attends the
Bemidji high school, left yesterday
for Tenstrike to spend the weekend
with her parents.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

Miss Corrine Carlson, daughter OF
Mr.. and Mrs. A. T. Carlson, has gone
to Hamline university, St. Paul where
she will be a student. Miss Carl
son is a graduate of the class of 1916
of the Bemidji schools.
The Bemidji daily pioneer. [volume] (Bemidji, Minn.) 1904-1971, 1916-09-16

bridge Thursday afternoon in honor
of Mrs. Frank Coffey of Fort Smith,
Ark, who is a guest at the A. P.
White home.