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Thursday, April 17, 1913.]
THE CAROLINA UNION FARMER
affiliated with regional banks to
which the government advances cer
tain sums of money without interest.
The regional banks, which are co-op
erative in character, lend this free
money to the local banks at a low
rate and they in turn loan to the far
mer. These banks are not operated
for the purpose of earning dividends,
are in many cases safeguarded by the
unlimited liability of their members,
and furnish the best European illus
tration of state aided agricultural
I.fOOAL. No. 1671.
CJredit Agricole 3 1-2 Per Cent Kate.
Attention has been called in Amer
ica to the Credit Agricole 3 1-2 per
cent interest rate, and it is an actual
fact that these banks really loan
money to farmers at 3 1-2 per cent,
but this is due to a government sub
sidy and would be looked upon as ab
normal from the standpoint of Amer
icans. The government has compell
ed The Bank of France to furnish it
a large sum of money without inter
est, to be used for the advancement
of agriculture, and as outlined in the
above brief explanation of the Credit
Agricole, the government loans this
money to the branches or regional
banks free of interest. These reg
ional banks loan to local banks at 3
per cent and in some parts of France
the local banks loans to the farmer
at 3 1-2 per cent. This system is de
plored by many leading bankers in
France as tending to develop a false
idea of the value of credit and
liable to discontinuation some time in
the future. Furthermore, some of
the individual banks of the Credii
Agricole system occasionally exhaust
all of the money that has been al
lotted to them by the government
and in order to continue the exten
sion of credit they are compelled to
rediscount farmers’ notes with The
Bank of France, and as they are loan
ing to the farmer at 3 1-2 per cent
and sometimes rediscounting with
The Bank of France at a higher rate,
it follows that the more business they
do under such conditions the larger
amount of money they lose, and this
is an unreasonable and unsatisfac
tory foundation for any system of
This, in condensed form, is the
story of farm finance in Europe, and
our people here in America cannot do
a greater national service than to
study carefully and push forward this
great question of farm finance, which
concerns so directly the financing of
the “back to the soil” movement,
which in its turn is fundamental and
concerns vitally the future prosper
ity of our nation.
Dear Editor: If you will allow me
space in your valuable paper, the
Union Farmer, I will tell you what
our Local is doing. We organized
about three years ago with six mem
bers, and at present we have about
sixty, but we have a few weak-kneed
We started a store nearly two years
ago and now we are doing fine busi
ness. We have about seven hundred
dollars in the store, and do most of
our business through the Business
Agent. The store is doing more busi
ness than any other store in Grants-
N. F. Dixon is our General Manager
and he is well fitted for the business.
I take the Carolina Union Farmer
and I certainly do enjoy reading it.
It is the best paper printed. I wish
more of the farmers would subscribe
for the Union Farmer.
Hoping to hear from some one else
that knows more how to write than I.
Grantsboro, N. C. A MEMBER.
On farms having high, dry land,
which has a light growth of grass,
and where a new breeding gobbler
has lately been introduced, the larg
est flocks and the most thrifty look
ing turkeys are found.
The first purpose to which food is
devoted is to supply wasting tissues
and support of the body. All over
that amount goes to the manufacture
of eggs, providing the food is not of
such a nature as to cause fat.
Whereas, it was the will of our heavenly
Father to remove from our midst our Broth
er, J. J. Draper: therefore, be it resolved by
the members of the Draper Local:
(1) That while we bow In humble sub
mission to the will of our heavenly Father,
we cannot but feel the removal of our be
loved brother has left a void which the
healing Influence of time alone can fill.
(2) That we will cherish with melancholy
remembrance the virtues of our deceased
brother, and that we deeply deplore and
sincerely lament the afflictions thus sent to
the members of bis beloved family.
(3) That a copy of these resolutions be
spread on the minutes, a copy be sent to the
bereaved family and a copy furnished the
Carolina Union Farmer for publication.
W. P. THROWER,
E. G. l.EE.
A. E. HULT..
AT WHOlESAlt FKCK TO MEMBERS Of TOE F.E. i C.O. Of A.
Ask the Secretary of your Local to show you our line of
'woolen samples. If he hasn’t it. write to us at once.^We
will send it to you FREE.^Fit and satisfaction absolutely
guaranteed. No risk toVu. ,Practically every Division
of the F. E. & C. U. of A. has made contract with us, and
we refer to the officials, or to the Corn Exchange National
Bank. Chicago. Capital ^nd Surplus. Seven Million Dollars.
I am inte rested in and intend to purchase within a rea-
^ nable time, the machines or art cle** checked below and
will be elad to receive information oncerniner the same.
Mammoth Yellow Soy Beans per bus ?1.75
Clay Peas, per bus. — —— 1.80
Mixed Peas, per bus 1.75
So. Queen Sweet Potatoes, seed or eatincr
stock, per crate — 2.00
Chufas, per bus 2.75
Velvet Beans, per bus., (f o. b. Reddick,
Fla.) —- 2.10
One million Sweet Potato Plants, leading
varieties, per thousand 1.50
Write for special price list on other seeds.
HICKORY SEED CO., Bickory, N. C.
Where to Buy to Best Advaatage
Readers of this
this paper want to buy their farm and home supplies, as far as
possible from the reliable manufacturer or wholesaler, who will give them
advantage of lowest possi de prices and at the same time give them first-class
goods. You want to save * nnecessary writing to tho le who do n(^ have what
you want These wants
are reasonable and this de-
...Buggy and Carriage
...Clothing, Men and Boys
...Coat Suits & Dress Goods
. Nursery Stock
Piano and Organ
. Sewing Machine
..Stoves Ranges & Heaters
. Washing Machine
..Watch or Jewelry
P. 0 —-
R. F. D. No
partment will help you
and will supply you with
information in regard to
the buying or selling of
anything connected with
the farm or farm home ?
We give below a list of
some of the articles for
which we have a great
many inquiries and it you
will check those on which
you desire information, we
will be glad to give you
the names of manufactur
ers and dealers, who wil
supply you, together with
any other information we
information, we will
designed to save you
If there is anything no
listed on which you wan
be glad to furnish same upon request This service is
® 1 nxmi1or\ii
money and its privileges are available to our readers
Union Farmer Service Bureau.
RALEIGH, N. C.
SPRING CREEK (TENN.), No. 22.
Dear Editor:—Thought I would let
vou know how this local is' getting on.
T succeeded in getting several sub
scribers for your paper and I like it
fine. About four months ago
thought our local was dead, but three
or four of us kept working and talk
ing and got the interest started up
and now the brethren are stronger
than ever before and we are on ns
ing ground. We have thirty-our
male and twenty-one lady membeis.
A few went back and traded
“skinners” and they took the bide
and a little of the meat and they came
back home, like the prodigal son,
willing to be a hired servant of tie
Union, rather than remain with tne
“skinners.” We now have a co-oper
ative store house and will have goo s
in same in a few days. We are go
ing to operate a business of our own
and try to live like farmers ought to
live, and instead of giving our money
to those who do not need it we w
keep it at home. We have been or
ganized a little over a year and have
saved a good deal on such stuff as
the farmers use.
J. .T. LYTLE, Sec.
IlfhAlocolo You can save money on erocenes,
WnOlcsaie rllLca seed and feed, by buying direct from
us at wholesale. The old way of buying at retail meant that added
to the cost of the goods was a high selling cost. Salesmen’s salari^es,
and expenses, retailers profits, all had to be paid by you. The
new way—buying direct at wholesale—means high quality at low
VArfnnoc F®'* 'Ye are literally saving for-
SaVlIlH rOnUlIca FARMERS tunes for Southern farmers.
Since our first announcement thousands have grasped the oppor
tunity to buy direct at wholesale. Our prices have astonished the
Uncle Sam F'lour--A.s Good as Its Name
GROCERIES AND EEh D
Pride of Elysian. Highest Quality Patent Flour....$4 80 bW.
SELECT, Good Patent Flour A70 bbl.
Diamond Half Patent Flour bbl.
FuU Cream Chee.>e - }5 P**’.'”'
Fresh Roasted Coffee, Speaal Bargain .18 per lb.
Choice Greene Coffee . -17
Delicious Lake White Fish, Equal to Mackerel « per lbs.
Granulated Sugar S4J)« per
Rice. Broken. 4 l-2c-Japan, 5 -V
Molasses.Black Strap, 15c—New Orleans. 26c—Parlo Ricanpet ^1.
Mixed Feeding Oats i^Mnerton
groceries are of the quality
delight the housekeeper’s
Our seed and feed are guaran-
Gnaranteed Quality that
fe?d f7rSlL^® pri
It’s just cutting out middlemen and buyer and seller getting to
gether that effects this remarkable saving.
n mt-.... t We are winning our fight on high prices! This
Buy Now I week we think we have touched the W rock
bottom price on numbers of articles. Don t put off* . ACT NOW!
Make up a list of what you want. Order direct from this price list
NOW while prices are hammered down.
Wc Eat It Ourselves. $4.80 Per Bbl. Be
'Trv a Barrel.
Burt Seed Oats * P**"
Red Rust Proof Seed Oats 47 per bu.
Appier Seed Oats “ Per p^-
Black Oats per bu.
Prime Medium Clover Seed K 50 per honored lbs.
Prime Alfalfa Seed H 55 P®*" k!’
Kentucky Blue Grass iO.JO per hundred lbs.
Red Top Herds Grass 1100 per hundred lbs
Ochard Grass ^ P®''k
Dwarf Essex Rape 5-2® P®‘‘ \hl'
Snring Vetch 4 50 per hundred lbs.
Winter Hairy Vetch - 8 0« P®«-
Tall Meadow Oat Grass 14.50 per hundred lbs.
Pa.h wilh order hut where satisfactory references are given goods j *
patient required’ C 0-D. shipments can only be made where there is a railroad agem^^^^ ^ Every time you buy
Our free price-list shows how we have busted prices on^g^^^^ s"end7or your copy now. Teil your friends how we
i RICHMOND GRAIN & PROVISION COMPANY.
The Richmond Grain & Provision
Co. Is recommended by your Stale
212 Soutli lOth Street, Richmond, Va.
EVERYTHING TO EAT FOR
MAN AND BEAST.