Richmond Palladium (Daily), Volume 39, Number 125, 6 April 1914 — Page 4
PAGE FOBIl
TIMS RICHMOND PALLADIUM AND SUN-TELEGRAM, MONDAY, APRIL 6, 1914
The Richmond Palladium ' ' AMD UM-TEUDaiUJf. Published Erery EtaninflT Except Sunday, by Palladium Printing Co. . Mmaonie BtrfJdln. Ninth and North A Street R. G. Leeds, Editor. E. H. Hmtm, Mgr.
la Rtabmaid. 1 eenta a wmL - By Mall, in draneetmm 15.00: elx months. lM: M math. 4f cents.
Rural Routes, to advance one year, ose month 3S esats.
nontiiav
Entered st the Feet Of floe at Rlehmon. Iaelaaa, as flee, end Class Mall Matter.
Financing the Farmer The American farmer, who goes into agriculii . ill. .....nllir i a in n had nliffht. In
cure wixnoui creuiv, uouij o " - order to own hie farm or to raise money for some necessary improvement, he is compelled at considerable expense to mortgage the land. This mortgage is for a period of only five years and must be paid in a lump sum at the expiration of the term. Oftentimes, this occurs at the very juncture when the farmer is most embarrassed and finds it impossible to life the debt. This means that he loses all or must remortgage the place with all the expense and trouble that entails. Furthermore, he is seldom able to make small loans for short times, a convenience often cried for by the necessity of improvements, new implements or moving his crops. To remedy this condition, which has made of thfi business of agriculture a rigid and unwieldy
system, the administration is now about ready to introduce two bills into the House which embody a scheme of agricultural credits. These measures
fruits nf investigations of European
methods conducted by a congressional committee
The eeneral plan is to create a system of farm
banks for the specific purpose of handling agricultural finances. These banks will be chartered and reeulated by the federal government. With
the exception of receiving deposits up to fifty per
cent of their capital and surplus, they will not oe
permitted to do ordinary banking business.
To meet the farmer's needs, these institutions will make loans secured by mortgage for periods
vonmr. fiv to thirtv-five years. The mort-
101151115 iiv,... " - - gages will be paid by annual installments, sc scheduled as constantly to increase the propor tion going toward principal and decrease the in terest. At the expiration of the term, the farm
er will find his mortgage paid. Inasmuch as these mortiraees will be approved by federal inspectors,
the risks will be so reduced as to make possible interest rates ranging from four and one-half to six per cent and the limiting of the bank's profits to one per cent. Special departments will be organized to care for the short time loan or small amount made necessary by exigencies. To move a crop, purchase an implement or repair a building sometimes demands a bit more money than may be available at the time. These short time loans will be handled according to a special method long successful in Europe. It was hoped at first the banking system now in use might take over the new functions, but this was found impossible. Commercial banks are adapted to the needs of manufacturing and commerce and in order to handle agricultural credits would have to be entirely reorganized. Neither is it possible to use the loan systems now in operation. In every case, these are managed for the benefit of the lenders. A system of
agricultural credits to perform the function for
which it is designed must be operated for the benefit of the borrowers.
The farmer, it is plain to see, will benefit from a number of advantages under the new plan. He
will secure loans at much cheaper rates than at
present. He will have no commissions to pay
which add to the always grievous burden of mort
gages. And every farm renter will be enabled to
become a farm owner if he desires.
The most interesting angle of this proposed system, from a political point of view, is that the
federal government will be a party to the busi-
Every bank must have a federal charter,
more than atoned for hie lack of Bryanic graces and convinced his bearers that he fas compelled to enter politics by his convictions and by the need of the times for men of ability, rather than for selfish reasons. Since that initial appearance this conviction has spread among all who have learned of his work and he is today in a fair way of becoming a genuine leader in national politics. What a happy thing that will be for national
polities! A man who can efficiently manage
thousands of employees, yet retain their personal
affection all the while, a man who instituted three
shifts instead of two, ut down the work day one hour and gave his employees a Saturday halfholiday without diminishing their wages or acting under any exterior pressure, is a rare man. So also is he a rare man who holds that not boards of arbitration, but the removal of just causes of grievances will ever settle labor dis
putes. But rarer still is a man who will, as Bird did without ostentation or advertisement, recall the tax assessor and show him that his assessment is $85,000 below valuation! Truly, such
acts as that smack of the millenium !
It is possible to believe such a man is genuine
ly reluctant to come before the public, as he him
self has often averred. Fortunate, therefore, is the Progressive party of Indiana to have him numbered with Senators Miles Poindexter and
Moses E. Clapp, among the principal speakers for the state convention to be held in Indianapolis,
April 18th. The privilege of hearing Bird will
alone be worth the expenses of the trip.
Edgar Iliff Takes Issue - OJO V ojoojej mjw
With .
The Rev. W. O. Stovall Regarding
rwmr
"4 r
Books in Richmond City Library
BY EDGAR ILIFF. The Rev. William Owen' Stovall, of the First Baptist church, is reported to have said in a recent sermon: "I have no doubt that if an investigation were made it would be found of the thousands and thousands1 of hooks in the Morrisson-Reeves library that those whioh are the most popular and moat eagerly called for are ones that are trash. Some of these books are perhaps not harmful. Others are positively dangerous. Readers of them will say they read them for pastime or for entertainment, or to pass away the time looking at the Illustrations. All the time the contents of these books are filling their minds with that which is making character." To prove his contention the Rev. Stovall draws a comparison between the Morrisson-Reeves library books and the muddy water of the Ohio
river, which, if allowed to settle deposits so much dirt that you can't see through the glass, and that the contents of these library books, so popular and trashy, are leaving a dirty sediment of the same kind in the characters of the readers. It is always safer to investigate first and then draw your conclusions
afterward. It is never safe to make '
the world, the open-eyed, open-souled, plastic, wondering children of our age.
MASONIC CALENDAR I
or put to death. It imprisoned Rousseau's grandfather for kissing his sweetheart at the front door in sight of a reverend pastor. It put Rousseau's
father in Jail for wearing baggy trousers, and often whipped the young boy unmercifully for reading "trashy books on romance and vain philosophy." It put a woman in a prison cell on bread and water for wearing her hair down her back on the street. It did more. It burned Servatus in the public square, and to make him well seasoned for the next world grilled him with
green, slow-burning wood. Of such is the kingdom of spies! Of such is the kingdom of men who have so little faith in this world that they never can trust the human heart or liberate the human mind. For these men there can be no righteousness unless the intellect is forever on its knees and the mind so cowed that it dare not think or speak the truth it finds. .
Popular Books. j
Had Mr. Stovall investigated he would have found that the most popular al most called for books in our public library are Spencer, Huxley, Darwin, Haeckel the modern thinkers. ' He would have found the biog
raphers, travelers, historians, philos-
Monday, April Richmond Commandery. No. 8, K. T., stated enclave. Tuesday. April T Rlotanond lodge. No. 196, F. and A. M. Stated meeting. Wednesday, April 8 Web lodge. No. 24. F. and A. M. Called osstlag. work In Master Mason Defrss. commencing at 6 o'clock. Loach at 6c 10. Thursday. April 9. Webb lodge No. 24. F. and A. M., called meeting, work In Entered Apprentlee degree, commencing at 6:30 p. m. Friday, April 10. King Solomon's Chapter No. 4. R. A. M. Stated convocation.
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Every mortgage issued will be approved by a federal inspector. The government will not regulate from without, as with the railways, but from within. Will some good Democrat tell us how his party is able to reconcile this with the good old theory that the government is to "keep hands off" and let each state take care of its own business?
Arbor Day As Governor Ralston says in his Arbor Day
proclamation, there was a time when Indiana was
covered with forests. In that day when our fathers toiled to make clearings in which to establish
their farms, a tree was such an obstacle in the way of progress it was not only held cheaply, but
even came to be looked upon a3 an enemy. Since the pressure of frontier life has been removed, few of us look with animosity on the trees, but we are filled with indifference toward them, an attitude almost as fatal to tree welfare as the old spirit of antagonism. If Arbor Day can help to arouse our interest in the subject and to lead us to a more just esti
mate of the meaning and importance of trees, it will be more than worth while. Especially will it be worth while if it can breathe into the youngsters a lively appreciation of what trees mean to us. A city property with two or three healthy shade trees in front and a few shrubs and fruit
trees in the rear is worth anywhere from fifty to three or four hundred dollars more than it
would be without them. Shade is a luxury for which men are willing to pay and the planting of
trees and shrubbery is as important a business proposition as running a store. But while we are talking about shade trees, we must not overlook the importance of fruit trees, vegetables, flowers and ornamental shrubbery. All these deserve a place in our Arbor Day programs and are quite as important in their own way as the shade trees themselves. Two or three flourishing fruit trees in the back yard help a little to lower the high cost of living in the summer time, and many a Richmond family would be quite a bit better off in the vegetable season if they had onions, potatoes, tomatoes, etc., growing where burdocks and old sheds now flourish.
The Japanese, who feed more people to the acre, perhaps, than any other and feed them better, have been able to accomplish their surprising results very largely through the utiliza "on of little waste scraps of tillable soil, such may often be found in the backyards of the most congested districts. It is surprising how much can be raised on a few square feet of ground ! Wherever weeds can grow, vegetables can grow, and in a plot that is no larger than an ordinary room it. is surprising how much the right kind of gardening can produce. Bolton Hall's book, "Three Acres and Liberty" has many interesting things to say in this connection. Even if fruit trees, vegetable gardens and shade trees were not justified from the money standpoint, they would still be richly worth
while as a beauty asset. How it gladdens the eye to look upon a yard tastefully laid out with shrubbery and appropriate flowers! In the summer time the foliage, blossoms and the lawn are ninetenths of the home. The National Cash Register Company, by encouraging the right use of flower beds and shrubbery, transformed South Park in Dayton from an erstwhile dilapidated section to one of the most beautiful suburbs in the world, if the prominent European landscape gardeners are to be trusted who passed such an opinion on it a few years ago. Life is more worth living when the house it attractively surrounded by living, growing, blossoming plants. If Arbor Day arouses in us only a spasmodic interest and if we permit ourselves to lapse back into our previous indifference, it will have done but little good. What we need more than anything else is for all of us in all parts of town to
your assertions first, and then invest!- lfjts astronomers? dramatists, 'writers ga ;on sociology and Socialism, the great Big Book Collection. pioneers of intellectual liberty, most In the' first place, the Morrisson- Bought after. And by. whom? WorkReeves library is one of the best bal- ingmen. Is this the trash Mr. Stovall anced collections of books in the United ! refers to?
States. Of course it is not so large He would have found a clamor for i and liberal in choice as the Boston ' the best novelists and essayists Ana-!
public library, in which I have spent happy hours. It is not as grand and magnificent as the great libraries, but for wise and harmonious selection it
can not be excelled. It tries to fill ! Rex Beach, Thomas Hardy
BIl thf WDTlta nf f tv lilra R rhmnnH '
tole France, Gautier, Tolstoi, Dumas, i Arnold Bennett, H. G. Wells, William J. Locke, Gilbert Parker, Margaret, De-:
land, Owen Wister, Winston Churchill, i
Dickens, i
HELP THE KIDNEYS
i i uai.Ari j i v. ficui , ,wai n i nam,
This is a difficult matter, because ; Lowell, Holmes, Emerson, Thoreau, j every human brain is a separate world etc., without end. To be sure, some 1 in itself, and the old saying that "what ! modern books we can not find there ; is one man's meat is another man's i because the Bhadow of the "Court of : poison." may apply to the mind as j Ecclesiastic Disipline" still hovers well as the stomach. j over us. In every age there have If there is any trash among the j been those who" prefer twilight to 44,000 volumes in the Morrisson- j dawn, eternal sunset to the young. Reeves library it rests in peace upon j dewy morn. He would find youth ; the gloomy shelves of ancient and out- j eagerly reading the best books ever grown controversied and sectarian the-' written for children, not trash based
ology. Trash is something we no 1 upon falsehood, but truth suited to the longer use: something we have sent . truest and most independent critics in to the attic, or turned over to the I
trash man or junk pile. In the realms of literature, trash can never be again popularized. It belongs to the "curiosities of literature," and is fished up by the antiquary to serve as a guidepost against human follies and mental vagaries. To make these books popular and "eagerly called for," you would have to use the rule of Mrs. Pipchin's school when children were denied everything they wanted and forced to swallow everything they mortally despised. That was "discipline." This rule is based upon the old theological law that we are all totally depraved and can not be trusted, and should
all be regulated by a Calvanistic "Court of Ecclesiastical Discipline" in food, drink, dress, thought and speech.
Also Interesting. How about this "Court of Ecclesiastic Discipline," so famous in its petty tyranny, so infamous in its spying and meddling, that history has given it the privilege to name itself in capital letters? It was composed of five German pastors and twelve laymen who had graduated in piety and the smelling of evil. It exercised jurisdiction over all those affairs of society which should be left to individual taste and private judgment. It could demand explana
tions from male or female, young or old, whom it dragged before its august body. It could hold trials, extort confessions, use the swer box on suspision, force retractions and apologies, and had the power to fine, imprison
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Charles Sumner Bird The Progressive party drew scores of men into public life who had hitherto been deaf to the old party's most sirenic calls. One of the extraordinary men who had refused to waste time on machine politics but welcomed the opportunity of untrammeled political service was Charles Sumner Bird, late Progressive candidate for governor of Massachusetts.
This man is indeed an "inspired millionaire," come to understand and appreciate the true val
to use Gerald Stanley Lee's happy phrase, and has not ceased to nonplus the veterans who pull party
strings since his first public appearance. He didn't make a very auspicious start at that first public appearance because he had always been too busy doing things to learn the arts of public talking. Tall, angular, awkward, with a severe cast of countenance, and harnessed to a tyrannical manuscript from which he couldn't disengage himself, but which he found difficult to decipher, he spoke in a strained, almost piping voice and showed up to disadvantage alongside the polished orators at his elbow. But the man was possessed of a crystalline lincerity and a genuine huraanitarianism which
ue and necessity of trees and shrubs and flowers.
If all our people can get into the habit of making every day an Arbor Day, there is no reason why Richmond cannot be made as beautiful as any city in the land.
Slow Spender. Tom "I've seen the girl I want to marry. I stood behind her at the ticket window this morning and she took seven minutes to buy a five-cent
elevated ticket.", Alice 'Did that make you want to marry her?" Tom "Yes, I figured out that she could never spend my income at that rats." Boston Transcript.
Interrupted. Magistrate "Can't this case be settled
out of court?"
Mulligan "That's what we were trying to do, your
honor, when the police Interfered.,r-Brooklyh, Life.
Richmond Readers are Learning the
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