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* Madison Messenger VOL. XVIII.—NO. 29 SNTBRED AH 8IOOND-CUJ8 MATTER AT POSTOI DSCB. MADISON. N. C. MADISON, N. C., JULY 6, 1933 SUBSCRIPTION PRICK: ON* THAR 11.M SIX MONTHS 76 CENTS 7 Every Thursday The Home Owners’ Loan Corporation Representative Frank Hancock Explains The Home Owners’ Loan Act And The Procedure For Securing Relief Congressman Frank Hancock in discussing the Home Own ers’ Loan Act said “This leg islation comes nearer to the hearts of the American people than any one thing that the Federal Government has done to provide relief in this dis tressful period. This bill is the Administration’s best plan to end foreclosures. “It is impossible, however, to refinance every mortgage in debtedness and it is likely that some deserving cases may for one reason or another be pass ed up or neglected.” Mr. Hancock further stated that he believed that the cred itor class would give the Ad ministration full cooperation and assistance in its first effort to save the worthy home owner. “This is no time,” said he “for any able creditor to press for payment a debt secured by the bona fide home of a worthy, distressed debtor. All of us know that the home constitutes the foundation of the Nation’s social and spiritual life and when it breaks down there is little else worth saving. In its quiet and peaceful retreat the principles of the American Na tions refostered and instilled and through the protection and love which should surround it our younger generation learns the composite whole of service and altruism, which may be ex pected to develop into a citizen ship that will express itself in patriotism and service to State and Nation.” “This spirit of patriotism will be revived in the minds and hearts of thousands who will be able through the Home Own ers' Loan Corporation to save, by refinancing, their home, and through its easy payment plan to gradually come into the full possession of ‘their spot on earth’.’’ Congressman Hancock said that full information in regard to loans can be secured by com municating direct with Hon. -Allan S. O’Neal, State Manager, Home Owners’ Loan Coroora * tion, Salisbury, North Caro lina, and that later such inform ation would be available by di recting communication to the Home Owners’ Loan Corpora tion to be set up in Asheville, Raleigh and Greenville, North Carolina. He also expressed the hope that the worthy, dis tressed home owner should waste no time in securing help from the Corporation. At the request of members of the Committee which handled this legislation a clear and con cise statement of what the cor poration is, its purpose and how it will be administered has been prepared by Honorable W. F. Stevenson, Chairman, Federal Home Loan Bank. This state ment is printed below in full: What is the Home Ownefrs’ Loan Corporation? It is a cor poration created by Congress to be administered by the Fed eral Home Loan Bank Board as directors, for the purpose of saving the homes of home own ers where they are unable to secure money to pay mortgages otherwise and where the mort gagee is threatening foreclos ure. What capital has the corpor . ation? It has $200,000,000 of capital stock subscribed for and to be paid by the United States Treasury and it has the author ity to issue $2,000,000,000 of bonds, running 18 years with 4 per cent interest, the interest being guaranteed by the United States Government. What homes can be dealt with under this corporation? Homes not exceeding $20,000 in value. What mortgages can be tak en up on homes? Only those which are on record of June 13, 1933, the date of the ap proval of the act. How will the citizen get the loan to which he is entitled? There will be a general man ager for the corporation estab lished in each State, with suf ficient employees to handle the business, whose location will be well known and applications to such manager should be made by mail or personal call for blanks to fill out, making ap plications for loans to take up mortgages in existence. If, from the application, it appears that the loan is one that the corporation can make under the law, it will be referred to an appraiser or agent in the coun ty where the applicant lives who will immediately appraise the property and have the local attorney there determine as to the soundness of the title and on their report, if favorable, the loan will be closed, papers executed, and the bonds or cash, as the case may be, paid to take over the mortgage which is in existence. How about the loaning of bonds and of cash? The pro vision is and the expectation is that the mortgagor can arrange with his mortgagee to take the 18-year bonds which have back of them the $200,000,000 stock and all of the mortgages which are taken on the loans made by the Corporation in exchange for his mortgage and he will transfer his mortgage to the Corporation upon being paid the amount of bonds he agrees to take for his mortgage. The Corporation will loan in bonds, 80 per cent of the value of the property in taking up such a mortgage. It will also furnish money to pay taxes that may be in arrears on the property which wilj be made a part of the 80 per cent loaned. When the exchange is made, and the mortgage assigned to the Corporation, the Corpora tion will then take a new mort gage from the home owner,run ning for 15 years with payment either monthly, quarterly, semi annually, or annually, accord ing to the agreement then en tered into with interest at o per cent and the home owner will then have a long-term loan th small payments. If the mortgagee refuses to ke bonds and the mortgage d1 taxes and other. encum ances due are not in excess 40 per cent of the value ol e property, the Corporation 11 loan the mortgagor up to per cent of the value of his operty or so much as is nec sary below 40 per cent to ice up the mortgage with cash d also any taxes due and to ce a mortgage from the home mer at 15 years, payable as in ler cases, with interest at 6 per cent. . This is the method of making loans except that where a home owner has no encumbrances on his home but is in default in taxes and in danger of losing his property from tax sale, the Corporation will loan him the money on the home to pay the taxes and amortize that for 15 years just in other cases. It is desired to emphasize the fact that this Corporation will only deal with the redemption of homes valued at not over $20, 000 and it will not loan over $14,000 on any one home, eith er in bonds or in cash. The borrower may have an extension of 3 years on the prin cipal if he keeps the interest paid, and the Board may extend the payment of both principal and interest in cases of inabil ity to pay, owing to stress of circumstances, but the total ex tensions during the 15-year per iod must not exceed 3 years. To give a specific example: Mr. A owns a home and lives in it; it is unfortunately en cumbered; the house is worth $10,000; the mortgage is for $7,600; his neighbor who holds the mortgage, Mr. B, needs cash or its equivalent and yet he does not like to sell out his neighbor. Mr. A. applies to the manager in his State who fur nishes him with a blank and assists him in filling out the blank, giving the entire facts about the case. The mortgage necessarily was on record June 13, 1933. Mr. A gets an agree ment with Mr. B that lie will take $7,500 of the bonds of the Corporation, guaranteed as to interest by the United States and assign his mortgage with out recourse to the Corporation. The Corporation finds that Mr. A owes $476 in taxes. Mr. A is unable tp pay the taxes; the Corporation then furnishes Mr. A with’ $7,600 of-bonds, and pays the $475 taxes and pays expense of registration and in vestigation of the title with the other, $26, making $8,000 which is 80 per cent of the value.Then he takes a new mortgage from (Concluded on last page) *********** * MAYODAN * *********** Miss Martha Powell left Mon day for her home in Walnut Cove. ' Mr. and Mrs. Joe Chambers and son of Richmond, Va., are visiting Mrs. J. V. Righfill. Mr. and Mrs. Russell John son, Mr. and Mrs. Ruben Gann and Miss Virginia Smith at tended the ball game at Stuart Tuesday. V. E. Smith spent Tuesday in Winston-Salem. “Snip” Payne spent the week end at his home in Burlington. E. F. Duncan spent the week at Edenton with his brother. Mieses Kate and Nina Shep pard spent Tuesday at their home in Lawsonville. ‘ Charles Cox of Roanoke is spending some time with Mrs. M. 0. Spencer. Jimmie Gilbert of Mount Airy is visiting his grandmother, Mrsr N- A. Gilbert. Mr. and Mrs. Willie Whitten of Bassett spent Sunday with relatives. John E. Dempster, Jr., of Charlotte spent Tuesday with his parents. Mrs. Nellie Dalton and daugh ters, Misses Sallie and Susie, spent the week end with Mrs. J. V. Highfill. J. W. Smith of Greensboro was a visitor in town Saturday. Miss Hattie Moser spent Sun day in Winston-Salem. Miss Mollie Martin and Mr. and Mrs. J. W. Mauney of Bas sett spent Sunday in town. Mrs. M. L. Webb and Miss Lillian Gillette left Monday to visit in Georgia and Florida. Mrs. Kit Smith of Stoneville visited Mrs. Poole the past week. Miss Ruby Price of Winston Salem spent the week end with her parents. Mr. and Mrs. Glenn Simpson and daughter of Leaksville spent the week end in town. Mrs. M. 0. Spencer is visiting in Ivanhoe, Va. ...Mrs. W. F. Rader, Mrs. Lee Gabrul, Buck and Billy Rader of Newton visited Mrs. Minnie Rader Sunday. Mr. and Mrs. John Gilbert and children and Miss Mar garet Shreve of Elizabeth, N. J., are visiting relatives. Mrs. C. L. Walters, Mr. and Mrs. R. C. Veach and Walters Johnson visited in Greensboro Sunday. Square Deal Wanted On next Monday, July 10th, the tax board of equilization will meet at Wentworth to equalize tax values between property owners and also be tween the different townships. There is considerable dis satisfaction among the farmers on the ground that they feel they have been discriminated against by valuing farm prop erty for tax purposes higher than the property of manufac turing companies, stores and city residences. Many farmers claim that farms if sold would not bring as much as they are assessed at for taxation, when the law requires that they be assessed only at their present cash value. It is also claimed that farmers are required to list every horse, mule, cow and other article of property while manufacturers are not requir ed to file their inventories. It is also claimed that there is a great difference in values plac ed on the same kind of property assessment will have to stand for the next four years and there will not be another op portunity to have adjustments made in real estate for four years. Range Demonstration The range demonstration, un der the supervision of Miss Ad die Malone, will be held at the office of the Southern Public Utilities Co. next Tuesday, the 11th, from 10 to 12 A. M. and from 2 to 5 P. M. The ladies of this community are cordially invited to be present. Recipes and prizes will be distributed. Gardens, hay crops, corn and pastures are seriously hurt in Cleveland and adjoining coun ties by reason of the prolonged dry weather. , The strawberry growers who formed a small selling as sociation in Catawba county this season realized $2,847.28 from their sales. Little Pen-o-grams V/, . If IT ore OWINET THING . ITS ANOTHER OSH. ITS HOT HU y TH' novrr» I V CHAW BEEF* ANOW** FNU)ftt BLAMED OH THE WEATHER MUST REPLANT GARDENS FOR FALL VEGETABLES Early summer gardens have been a disappointment due to prolonged drouth occurring ov er most of North Carolina for the past two months. However, there is still the opportunity to plant a number of vegetables for use in late summer and ear ly fall. H. R. Niswonger, extension horticulturist at State College, advises growers to sow the seed pf cabbage, cauliflower, collard, broccoli and celery for all crops af these vegetables. The Jer sey Wakefield is a good early cabbage of which seed may be planted now. To be successful in getting seed to germinate, Niswonger suggests keeping the seed bed partially shaded during the heat of the day. Burlap or old sacks put over the seed bed will prevent the soil from drying out so rapidly on the surface and will hasten germination. Sweet corn and snap beans planted in early July will add to the fall supply of vegetables. For the second crop of Irish potatoes, seed from the spring crop of Cobblers, early Rose and Bliss Triumph may be used if the sprouts are showing. A better plan, however, is to se cure seed of last year’s crop which has been kept in storage. In the mountains, the storage crop of Lookout Mountain va riety is usually planted as a late crop. Sprouting of seed from the spring crop can be hastened by spreading the potatoes on the ground under a shed or tree. Some farmers spread them in the shade and cover them with bay or straw which is kept moist until sprouting occurs. In no case shQuld seed which have not sprouted be planted, Nis wonger says. Meeting Closed jhe series of meetings, which lasted one week at the Baptist Church, closed with the Sun day night service. Rev. Jen nings Johnson, pastor of Mayo ian Baptist Church, did the preaching and delivered some nble discourses, which made a profound impression on those af .our people who heard him. Large congregations attended jach service and much interest was manifested throughout the series. Improving Property M. C. Money has a force of masons busily engaged in re modeling his handsome home. The old chimneys have been torn away and the entire struc ture is being done in brick va neer. When completed it will present an imposing appear ance. * STOKESDALE * *********** Miss Eva Peters left for her home in Walnut Cove Friday, after spending several days with Miss Maurine Lemons. Misses Carrie and Cora Ann Brown of Summerfield spent Sataritay with Mrs. C. Y. Turn er. Miss Doris Powell of Reids ville is visiting relatives here. John Hanner and children of Madison were visitors Sunday of Mrs. Albert McCrorie. Miss Anyita Long of Greens boro and Miss Elizabeth Long of Summerfield are visiting Miss Mae Simpson. Miss Frances Angel of Greensboro spent the week end with her parents, Mr. and Mrs. Bobby Angel. Misses Mary Henry McCrorie and Jaunita Pearman spent Fri day in Winston-Salem. Miss Louise Moore of Reids ville is visiting in town. Paul Knight is slowly improv ing, after an operation for ap pendicitis, in a Greensboro hos pital. Walter Shore of Pennsylvan ia is visiting Mr. and Mrs. Bill Powell. Mrs. John G. Hanner of Siler City spent the past week with Mrs. Albert McCrorie. Mr. and Mrs. Gordon Vaughn of Burlington spent the week end with Mrs. J. C. Preston. Miss Mary Odell Preston is slowly improving, after having been confined to her bed for some time. Buster Linville of Oak Ridge was in town Sunday night. Ralph Gardner of Kerners ville was in town Saturday ev ening. Misses Bernice and Grace Angel motored to Burlington Sunday. James Fulton of Belews Creek spent Saturday evening in town. Mr. and Mrs. A. L. Lemons and Bernie Lemons motored to Ridgefield Sunday. Opening Dates Opening dates for tobacco markets in the different belts for sale of the 1933 crops were announced Friday by the sales committee of the tobacco asso ciation of the United States as follows: Georgia, August 1. South Carolina, August 15. Eastern Carolina, August 29. Middle Belt, September 19. Old Belt, September 26. Dark Virginia Belt, Novem ber 7. 1 The acreage to garden in Caswell county has increased by 40 per cent over the 1932 acreage and. corn plantings in creased over 12 per cent this season. IMPROVE WHEAT CROP WITH PURE SEED Inspection of wheat fields for certification of seed under the regulations of the North Carolina Crop Improvement As sertion has revealed the fact that seed wheat in this State is badly mixed. “We need some careful stand ardization done by communi ties, counties and even dis tricts," says Gordon K. Middle ton, seed specialist at State Col lege. “It is entirely possible for the growers of a communi ty to test the adapted varieties of wheat, secure the one best suited to their community and to adopt this variety as the one for all to grow. This will pre vent mixing to a great extent and assure the community of having wheat which will find favor among the millers. It is only by growing pure varieties of wheat with good milling qualities that the best grades ol flour can be made.” Dr. Middleton selected 50 fields of wheat at random ir the important wheat growing counties of the State this pas1 spring and inspected them for varietal mixtures. Out of the 50, there were 12 fields having over 20 per cent of mixtures and the counts in one field showed 56 per cent of bearded wheat and 44 per cent of the smooth-neaaea wneat. uw - fields to be classed as pure and of the total 76 per cent contain ed sufficient mixture to make the wheat objectionable foi seed purposes. In contrast to this, Dr. Mid dleton inspected 19 other fields where the owners were seeking to have their wheat certified Out of these, only one field was turned down because of mix tures. This proves, Middleton says that wheat seed can be kepi practically pure. Most of tht mixing occurs because thresh ing machinery and recleaning machinery are not properly cleaned. Cold Weather „ Monday morning, following the custom that had prevailed for several days, it was hot and sultry. But pretty soon aftei noon mercury began to t$ke i tumble and within a few hours coats and wraps were in de mand. It was truly a strange freak in weather, such as bul very few of our people had evei experienced. It was the tail en of the storm that prevailed in Cuba and the Virginia Capes. , Corn following clover has been damaged by dry weathei less seriously this spring than corn planted on other land, ob serve a number of piedmont farm agents. Bead The Messenger ads. HOME DEMONSTRATION NEWS Miss Marjorie Holmes, Home Demonstration Agent Canning Demonstrations For Week of July 10th July 10th, at 2:00 P. M. At the home of Will Harris, “Coin Town.” Henry Willis, demonstrator, and Fred Smoth ers, garden foreman. At the home of Mrs. A. D. Stevenson, west of Stonevillc.; Mrs, J. J. Webster, demonstra tor, and J. C. Martin, garden foreman. At the home of Ruel Woods, Madison, Route 3. Mrs. A. C. Knight, demonstrator, Thomas Hall, garden foreman. At the home of W. R. Saund ers, Reidsville, Route 3. Home Demonstration Agent, demon strator, C. L. Saunders, garden: foreman. July 11th, at 2:00 P. M. At the home of Morris Clark, colored. Mrs. E. M. Fitts, dem onstrator, H. L. Griffith, Jr.,! garden foreman. At Tony Hampton’s Store. [ Mrs. H. P. Zolla, demonstrator,, J. E. Ellington, garden foreman.! At the home of R. L. Wall, Stoneville, Route 1. Miss Ida j Lewis, demonstrator, C. C. Lew is, garden foreman. At home of Pleas Martin,near Kallam school. Mrs. J. J. Web ster, demonstrator, J. B. Price, garden forema!n. At home of Mrs. C. C. Griffin. Mrs. C. C, Griffin, demonstrator, James McCollum, garden fore man. July 12th, at 2:00 P. M; At home of William Mitchell colored, near “Good Will” com munity. Mrs. J. H. Robertson and Mrs. A. C. Knight, demon strators, Thomas Hall, garden foreman. At home of John Tickle, near McCollum’s Store. Mrs. D. L. Wright, demonstrator, F. E. Grogan, garden foreman. At Mayodan community build ing. The Home Demonstration Agent, demonstrator, C. C. Cardwell, garden foreman. Home of Ray Woods, near 'Mizpah Church. Mrs. R. P. Mitchell, demonstrator, T. Bals-i ley McCollum, garden foreman. Home of Hugh Willis, color- j ed, Leaksville, Route 1, near j Thomas’ Store. Mrs. H. P. Zolla, demonstrator. T. L. Gen try, garden foreman. Federation meeting in Reids ville municipal building at 1:30 j P. M. July 13th, at 2:uu p. m. Home of Robert Dalton,Stone ; ville, Route 1. Miss Ida Lewis, demonstrator, G. C. Lewis, mai den foreman. Home of Nettie Wright, col ored, across Cannady creek. Mrs. Mollie Archer and Mrs. Julia Mullins, demonstrators, J ! V. Moore, garden foreman. Home of Bud Rierson. Mrs. C. C. Griffin, demonstrator, R. H. Hutcherson, garden fore man. At home of J. R. Smith, near Green Springs school. Henry Willis, demonstrator, J. IL Price, garden foreman. - July 14th, at 2:00 P. M. At home of Dave Pearman, New Hope. Mrs. A. L. Knight,. demonstratoi, Waiter Roberts.! garden foreman. At C. F. Baynes’ Store, Pleas-, antville. Mrs. J. S. Carter, dem onstrator, James McCollum, garden foreman. At Madison hi^h school. Hen- j ry Willis and Home Agent, dem onstrators, C. C. Cardwell, gar den foreman. At home of Nias Griffin, col ored, near Mayfield. Mrs. H. L. j Griffith, demonstrator, H. L. Griffith, Jr., garden foreman. i At home of Robert Brown, colored, Groome’s school sec-, tion. Mrs. Eugenia Watt, dem onstrator, C. L. Saunders, gar den foreman. Sylvania Home Demonstration C'lub (Mrs. Kenon McCollum, report er) The Sylvania Home Demon stration Club met June 27, with Mrs. T. B. Bailey and daugh ter, Miss Ruby Bailey. The meeting was opened by Miss Dua Gourley reading a sermonette of Dr. Holland’s “Life’s Hard Places.” Club col lect was repeated in union.“We Believe in the South," and “The More We Meet Together,” were sung by the club. Each member answered the roll call with a joke, which was followed by lots of hearty laughs. Reports of the Brightwood meeting were given by those at tending. A solo was given by little Miss Venera Friddle. Mrs. W. C. Friddle presented the club with some more funny jokes. Mrs. Percy Friddle and Mrs. Kenon McCollum dressed and, slacked as two colored wash women gave a song: “It’s Awful How Some Women Talk.” The Summerfield club sent word to us desiring to join us in a joint picnic at the home of Mrs. Ella Bennett, for the Au gust meeting. The idea was put before the club and agreed upon. Every member is urged to attend and bring baskets. The club then visited the kitchen where the demonstra tion of vegetable cookery and salads were given., All seemed very attentive and apparently got lots from the demonstration. The members were invited to sample the food preparations. All were delicious and easily made and will no doubt prove to be a useful demonstration. The club was invited to the dining room where delicious refreshments were served of nectar, cookies and fruits. Having spent a lovely after noon the club adjourned to meet again July 25, at the home of Mrs. Addie L. Mitchell. Garden Notes For Western North Carolina * (H. R. Niswonger, Extension 'Horticulturist) Second Crop Irish Potatoes Seed from the spring crop of such varieties as Gobblers,Bliss Triumph and Early Rose may be planted for a late crop if the sprouts are showing. A better plan is to secure seed of last year’s crop which has been kept in storage. In the moun tains the storage crop of Look out Mountain variety is usually planted as a late crc-p. The sprouting of see*! ^pr'og crop can be hastened by spread ing the potatoes out on the ground under a shed or tree. Some farmers spread them in the shade and cover them with hay or straw, which is kept moist until sprouting occurs. Plan only such seed which has sprouted. It sometimes ta’kes 3 or 4 weeks before sprouting begins: Treating the seed of the first crop with a chemical known as Etheyline Chlorohydrine is sometimes recommended to hast en sprouting. The treatment is as follows. Use 4 ounces (liq uid ounces) to one gallon of wa ter. Cut potatoes into large seed pieces (1 ounce or larger), dip into the solution and let stand for 30 seconds, then place in a colsed container with twice the volume of potatoes. Keep them stored in this manner for 24 hoursj The temperature should not go above 90 degrees or below 70 degrees. If the tem perature runs above 90 degress the tubers will rot; if it falls below 70 degrees, the trea ment is not effective. Around July 1 is the time to sow' cabbage .cauliflower, col lards, broccoli and celery seed for fall crops of these vegeta bles. Early maturing varieties of cabbage of Jersey Wakefield, Golden Acre, and All Heady Early may be used. Celery va rieties are White Plume and Golden Self Blanching. Sow feed in partially shaded areas. Give the soil a thorough water ing before sowing seed; cover the bed after sowing with pine needles in order to prevent the soil becoming hard and crust ed. Celery seed is slow to germinate. Placing burlap or old sacks over the newly sown bed will prevent the soil from drying out rapidly on the sur face. This will hasten germin ation. Remove this covering as soon as the seedlings appear. Sweet corn and string beans planted in early July will add to the fall supply of vegetables. Sow the unoccupied areas in the garden to cowpeas or soy beans to be plowed under as a green manure crop. Destroy all al diseased plants. Clean up cold frames and hot beds not in use and put away until needed next year. The newly established cream shipping station at Morganton paid Burke county farmers $366.13 for surplus milk and cream during the first month of operation. „
The Madison Messenger (Madison, N.C.)
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July 6, 1933, edition 1
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