Historical Newspapers of South Carolina

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THE P ha With fertilizer This is the uppt the fertilizer-using gone thoroughly int more convinced we make their 1921 crc shel or per pound cc we must sell at a pr This is no time or to experiment wi Natura similar have a We ha) the che where. arrang( Early plan tion of cot fARM[R 8HOLD WEIGH N[[DS IN USING BORROWED CAPITAI Huiying Luxuries or Goods That Wdi Barn Nothing Violates importan inporlant l'rinciple of Good Busi ness- F i ve Rles for 11Guid i im Borrowers in .aking Loans. Creiit is always a good thing t< have, and under certain enoditions . verly gooid Lbhing to use4, but. just nowi seems5 in most casesS to be i much miU~ des'ir'able( toi ha ve it thhn t acually t ust- it. TIhe' United States D~epar't mient of A gicuILturec warns ffrmer: Itat the' pre'sen t is a particulari ly uin favorable time to borrow for any pur pose that doies nott proise inaturali.1 to inIcrease5 the prtoducttiveness5 of th< lfarmi enterprise. Tbhis u aplies( par tieularly lto long- tim loans(~i1. Iteries Professional Cards .JNo. G;. DINKINS * Attorney-at-Law MA NNING, s. C. D IuRANT & ELLERBJE * Attorneys at Law MA NNING.. S. C. R. 0. Purdy. S. Oliver O'Bryar PURD)Y & O'BRYAN Attorneys and CJounselors at Law. MANNING, S. C. [FR El) I.ESESNE Atten aey at Law MANNING. S. C. Loanihs Negot iated' on Real Es~tate MONEY TO IOAN On Real Esate--Small and Larg Loans. Long Terms. J1. W. WIDEMAN I MANNING. S.C. H1. C. CULRTIS, Attorney-at-Law MANi'eiNG, S. C. WEINBERG & STUKES J. A. Weinberg Taylor H. Stuke Attorneys-at-Law MANNING, S. C. ROGRESI 5 the foll< We Can't A at its present high prices ,can -rmost fertilizer questidn in I sections of the South. ThE o this question from every ar are that our farmers can't ps. The per acre cost will 'st will be reduced, and it is I ofit. to plunge on fertilizer in ord th new mixtures. Use safe ai ily in re-publishii nature in the sa: good axe, so wh ie an exchange p: apest fertilizer a: You cannot aft .ments until you ting and prop ton under boll MAP~ rates are at present considerabii above normal, andi the payment o these rates is in itself a heavy bur denl to assumine. W'hen to liorrow It is furthermore pointed out that I while at the beginning or eariy in thc progress of a period of rising prices it is generally highly profitable to bor row for productive purposes, the cat is quite difterent in time of fallinp prices. When prices go up1) the 'alu1 of money goes down, and a debt con. tracted on a low market can be settle< on a high market with money repre. senting correspondingly less labor am smialleir quantities of prodlucts per dol. lar. TIhus, with rising prtices all loam that would he safe on a steady mar. ket standl to yield ha ndsome pirofits -In a pieriod of peak prices, however -or of fall ng prices, such as fa rmers are facing ntow, the shoe is on th< other foot. A t such a time it is ad. vi sable to use great caution in bor rowing sice there is a probabilIity o1 having to pay back the loan in dearei dollIars than t hose obt i ned from th< loan. For those wh'lo findl that they must borro11w at this t ime* in order to a veri dIisasteri, or are so situa ted that by reasonabile amount ot adlditional capl it al they can naturialIly increase thei carinings, thbe Office of l'arm Manage mient and lFarm Eonomics offers cer tain simple rules to be kept ini indi. Teiir1st an mtl tost im poitanlt runO is that oinly as much money be borrow edI as can lie putt to a decidedly ptrod~uc tive use X With the rate of in teres high andl prices fallinig, only ant im potan it use5 of borrowed capital i: likely t) miak( a oant prove poftit. ablle ort evenl a sa fe ventutre for th< b lorroweri. 'The hiorrowinig of money for the& purchtase .tf poe mtachinery fotr exampi Ile, c'an lhe justiflied und~el l~~preset codiitiotns (only where faint ing is donie oin a coinsidele')( seaht andl where sucht matchiiery cin b< uisedl a conisidlerable number of days du tring the year to save t ime and labo1 nieedled (else'whe re on the farm. 'Te secondt~ rule to lbe considered( b: the far mer concernis the time wVheA the loani shall lbe reitaid. If he bor rows,' moniey to puri chamse fertilizer anm a griees to repay it before at crop i harivested andti sohl, he may have d if ficult y in discharging the debt. If he a aranges, howevera, to ptay af ter th' b~orrowed fertilI iet has brouigh t re turn~is, ho will be relieved (If thte pts si ble e'mbaurrassment of asking for recnwval o (f the note .d1 1te resultan injury to his credlit. The th irdi contsidler-titin is clIosel; reb Ated to theo second, and has lo1 d' .witht the duraltion (If the loIani. Geni erally speak ing, the length oif time th dlebt is alowed to inn should he closi Money back without questlort If HUNT'S Salvo faiis in thi - ' treatment of ITCH. ECZEMA a alNOWORM, TEiTTER o eT 5chng skin dtouisj SIVE FA awing on Lfford Not to we afford to use it this year? he minds of the farmers in Progressive Farmer has Lgle, and the deeper we go the .ford not to use fertilizer to be increased, but the per bu ,he bushels and pounds that er to get phenomenal yields, mounts of the kinds of fertili ig this article ar me publication, v y not grind it ? roposition on cott nd the best value ord to dispose of have taken this i er fertilization weevil conditi( JNING ly related to tihe productive life of the farm implement or improvement for which the money is employed. If the money is to build at silo that will last 10 years, the loan should not run imore than 10 years, because, if a silo Cn not pay for itself in its own life tine it is plain that it would be folly to borrow to build it. On the other hand, such a loan should run long enough to give the farmer a good chance to meet it when (ue. Provision should be made in a long time loan for the gradual reduction of the principal. This can be done by Iwordcling the note so that a part of the principal can be paidl on any interest date, or by providing for a definiite an.. nual or semi'annu:'l payment, covering the interest dueo and al lowi ng a gr'ad-. unhly increasing amount to be paid against thi? principal. Each of these me'thods5 preparecs f'or the payment of the interest as it ('omes (lue and auto matical ly disposes of the principal in a stated time. Ona $1 ,000 loan to, run for I5 years at 5 per' cenit interest, the f'armeir couildi iarange a total annual paymenlt of $100. Of. hiis first $1010 paynment, $51) wonuld settle the intIerest and leave $50 to be pa id agacinst the pirinci pal. The ntext year' intei 'st coulId be chareg ed for only $950, lhe amount of the red ucedi Princi pal, a''d his annual pay ment would be divided into $47.50 to carie for the interecst, and $52.50) to be a pp:eo on the princi pal. 1y Iihis met hod the d''bt end its interis aie gradliIly redlucedl until in the 14th ye'ar $5.72 would he paidl as interest on a principal nmonunt ing to only $1114.1. Theli next yeari the horr<.cwer wonl mak Ie a total pay ment of $21 .07, $1 for in terest ebcarges and .$20.07 to pay off the last of the' dlebt itself. STATE OF" SOUTII CAlHOI,1NA., C onunty of Clareiidon. COUlRT OF" COMMON PILEAS COPY SUMMONs F"Ol RIIEFI. (Comniplainit Served) 1H. E. McFaddlin, Plaintiff', aigainst Samuiel 1). llamipton andii Garf ield IIamipton, D~efendants. -lO TI'lE A hOVE NAMIEl) D)EIEN D)A NTS:. YOU AlRE IIElREIY SUJMMON - ED) anid r'efuiired to) ianswer' the comn - plaint in thiis action, of wvhich a copy 1 is herewith served upon you, and to t sei've a copy of your answer to the. said compl a intI on the subscriber;' /' ui Hant & El lei'be, at theiir 'filce, in Manning, South Carolina, wvithin - twenty days a fteor the service hereof, exclusive of the dlay of such serv ice; - nd it' you fail to answeru the complia it with in the time a foi'esaid, the plain tiff in this act ion will appily to the Conuit foi' the relie'f de manded in the You wvil further talte notice that, the Complaint ini this action was filed in the ofluce of the Clerk of Court for Clarendon County, S. C., on the 26th dh.y of .Januaiy, 1921. D)uItacnt & Ellerbe. Rt,.ePlaintIff's Attorneys. tMER. in last week's issue the Fertilizer Siuation: Use Fertilizer This Year. zer that El.ve given paying results on your types of soil. Not only should the farmers who have heretofore used fertilizer continue the conservative use of it, but there are farmers in every community who have depended solely on their own efforts and the original plant foods in poor soil to make their crops, who should now supplement these things with added plant food, at least on a ,few acres, and get away from unprofitably low yields. We cannot afford to farm at a loss again this year, and yields of 15 to 20 bushels of corn or a fourth to a third of a bale of cotton an acre will not pay for the labor, seed, and use of tfie land and leave a profit. It is essential, then, that our yields be raised well above the average, and the only practicable means of doing this for this year is with fertilizer wisely used. d calling your attention to others of a ve have our own axe to grind, but we >n seed for fertilizer that gives the farmer f6r his seed that can be obtained any your seed or complete your fertilizer natter up with us. are absolute essentials in the produc mns. The time is short. Better act today OIL MIL L. ESTABLISHED 1914 ESTABLISHED 1914 Our Hobby, "Old Clothes Made New." Cleaning, Pressing, Dyeing, Alterations, Repairing. All kinds of Laundry. "We Knock the Spots Out of Clothes" Men's Suits Sponged and Pressed, from 50c to ----------------------35c Men's Suits Cleaned and Pressed from $1.50 to $2.00 to ----------------$1.25 Men's Overcoats Sponged and Pressed from 75c to --._....- 50c Men's Overcoats Cleaned and Pressed from $2.00 to -----------------$1.25 Boys' Suits Sponged and Pressed from 35c to -----------------------25c Boys' Suits Cleaned and Pressed from $1.00 to ------------------------ 50c Boys' Overcoats Cleaned and Pressed from $1.25 to ------------------75c Ties Reshaped from 10c to .....----------5c Ladies' Cat Suits Sponged and Pressed from 75c to $1.00 to ----------- 50c According to style Ladies Coat Suits Cleaned and Pressed from $1.50 to $2.00 to ---$1.25 to $1.50 According to style Ladies' I)resses Sponged and Pressed from $1.00 to ------------50c to 75c According to style Ladies' Dresses Cleaned and Pressed from $1.50 to $3.00 to --.$1.25 to $2.00 According to style Ladies' Coats Sponged and Pressed from $1.00 to --------------- --50c Ladies 'Coats Cleaned and Pressed frorn$2.00 to ---------.-----------$1.25 Ladies' Skirts Plain, Sponged and Pressed from 35c to -----------------25c Ladies' Skirts Plaited Sponged and Pressed from 50c to --------------- 35c Ladies' Skirts, any style Cleaned and Prsessed from $1.00 to -------------75c Middy Suits, Sponged and Pressed from 75e to ......_...-------------50c Middy Suits, Cleaned and pressed from $2.00 to ---------------------$1.25 Suits of Children's Clothes Sponged and Pressed or Cleaned and Pressed according to size and condition. THE HOFFMAN FRENCH DRY CLEANING CO., MANNING, S. C. Agents for "Footers Dye Works." All Work Guaranteed. One Door Below Post Office. Telephone 142