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GREAT IMPROVEMENTS TO RESULT FROM ACT \ Ways in Which the Farm Loan Act Way Benefit the Country OUR LAND BANKS WILL STAND READY To Comply With the Terms of the Law and vMake Loans. By reason of the facilities created by the Federal farm loan act, which was passed last summer, it will bo easier in the future for a farmer to secure money to make needed improvements or for the purchase ol live stock, and it will be easier also for the landless man to purchase a farm, according to a recent publicat.or. of the Un.tcd States Department of Agriculture (Farmers' l>u' letin 7912) entitled "How the Federal Farm Loan Act Benefits tfic Farmer." The Federal land banks establish ed under this act will stand ready a' ali times, it is expected, to lend mon ey to farmers on furm-mortgagx s si curity. The interest charges will l.t not more than 6 per cent, nor mo; c than 1 per cent above the rate paid (III f i 1 ? ? lldllllo a rv 1 /1 llll 4lw. Um.iUo If v i / v wviiMo rvivi v y ci nj i/iin I\.T, A i 4 1-2 per cent bonds should be issued, therefore, the rate charged on loans \* ? ? <) l-vr\ r% 1 nn \i #>% l\ni lU'AG ' u a i ?yv i u j t v a v v i v. e/i loans wiii be made for pi riod.s ol ti lie ranging from f> to 40 years, t-.us doing; away wiui the trouuh and expense of frequent lenewais. The payment of a certain part of t: ' principal annually or semiannually: with the interest, will be required. 1 he total payment, including the interest, will be the same for each vv.ar, and will be just large enough s:o that the entire principal will be paid off at the end of the period. The annual payment thus required to pay off a loan of $1,000, with interest at f> per cent in 20 years, is $80.24. Alter a loan has run 5 years the borrower will be permitted tq pay of. the whole amount, if he desires, on any interest date, or to make partial payments in addition to the regular installment. v The requirement of installment navments on the jimorf.iz.'if inr n):m Us outlined above, will so ve, fiivt, ,t(. cultivate habits of thrift in the borrower, and second, to make possible the placing of the loans at a lower rate of inteiest, since the gradual reduction of the principal constantly improves the security for the unpaid balance. The privilege of optional payments after the fiist 5 years leaves the borrower free to discharge his indebtedness before the end of tlie loan period, if he finds it convenient to do so. The Federal land banks will perform three important services. (1) They will convert the security which farm mortgages afford into a negotiable form, known as farm-loan bonds. (2) They will furnish additional security for the protecton of these bonds, though their capital and surplus, and thus make the bonds more attractive to investors. (3) They will sell the land bank bom's in the open investment market, which, for obvious reasons, the small farmer could not much to advantage. The bonds are to be issued in denominations ranging from $25 to $1,000, and it is expected that the bonds of small denominations will encourage saving through their appeal to individuals who have not been in the habit of making investments. The bonds will be secured not only by farm mortgages deposited in trust with a gopernment official (the registrar for the land-bank district) but also, as indicated above, by the capital and surplus of the 12 land banks. Both mortgages and bonds will be exempt from all forms of taxation. Farmers who wish to obtain money from the Federal land banks will ordinarily be obliged to form local loan Stiff, Sore Muscles Relieved. Cramped muscles or soreness following a cold or case of grippe are eased and relieved by an application of Sloan's Liniment. Does not stain the skin or clog the pores like mussy ointments or plasters and penetrates <iuickly without rubbing. Limber up your muscles a^ter exercise, drive out the pains and aches of rheumatism, neuralgia, lumbago, strains, sprains and bruises with Sloan's Liniment. Get a bottle to-day. At all Druggists, 25c.?adv. % "... I - . associations, and get their loans i through these organizations. The 1 local loan associations will improve ] the credit of their members and re- i (luce the cost of their loans through J the performance of certain definite i services, among which are the follow ] 1ng: The committee called the "loan I comfittee" of the association wil' i appraise the property offered as security anJ approve all applications t for loans which are sent to the land i bank. The secretary-treasurer of i tV.e association will transmit thp pa- i ?)ers and carry on all correspo* dcncc 1 with the land bank relative to the t loans. The association will guaran- i tee the mortgages of its members. the liability of any individual mem- f ber being limited, however, to an ad- 1 ditional sum equal to the amount of his capital stock, or approximately to 5 per cent of his own loan. One important function of the ncv system will be to establish safe stand : ards for the farm-mortgage business < of the United States; for it is rot pr? 1 posed to extend any credit except oi ( the basis of proper security. In additiin to the indorsefent of the loc d association, every loan must ha\c the approval of one of the salaried ap- j > praisers appointed by tlie Govern-1 < ment for the several land ban';o. 1 Further, not more than $10,000 > may be loaned to one borrower, no) * I f}/ i !/ / /'ttfiplf^ s . - > ^ '".'it' /V- lif j . . ~ ' A??' kv^ - - ' - v: ;? % fmm - ' ftfe&fe :a\ I j I My folks down So clean and sweet a you I am just abc ever made! Why, the SOVER every morning, ii w w/ mf That's the sort ? I've got to make You You Next to good bree claim to your friei I am gi If you your mi the woi ! ^ roi "Jt X THE HORRY HK&AL more than 60 per cent of the value of the land offered as security plus 20 per cent of the value of the buildings; and the money must be used foi specified productive purpo:es, such is the purchase of farm land, improvements, equipment, fertilizers, o: live stock, or for the payment of existing indebtedness. The Federal Farm Loan Board of he Treasury Depu trrnnt has general charge of the system. The De>artment of Agricul uie will cooperate with this board in supplying information and rendering assistance o the farmers who des'vo to take ulvantage of the Federal farm Iomi ict, esp^cally with referent e to the >rganization of local loan associations. COLDS&fLaGRIPPE R or 6 doses 600 will break tny case of Chills & Fever, Colds & LaGrippe; it acts on the liver Detter than Calomel and does not 'iripe or sicken. Price 25c. Really Fuur.y. The recent set back in the cottor market is due, we are told, to the u'ferlhgs on the market. It is right unny how people who want to buy will not give anything1 more than the seller asks.?Florence Times. \if ?v\y it I-:':''''.v-..^:;js? litffRfo >:$ . .. . * s%<m*U*h ttp I# v " ' I : . #?> ' --. . " *" " ' '. ^ ^ v ; >;* v > > i* /**v\ . 'V : ' ' ' ~ SUSSt^;. # li?S * : / < * ' >" ; uth keep telling me: "Be nd pure." And I'll bet )ut the purest cigarette i?Trr\T i- J- ' ldutury is ausrea ist like a lady's parlor, of home I have. And good ail the time?in Folks of the Sou Folks of the Souti ding is good dress and g idship. I can't say more, laranteed by don't like me returr oney back. 1 have said it Irl lui-. - m wva t ui III9 ^ a l THE GENTLE 5 D, OOHWAY, 8. O. HOME GROWN FEEDS ARE NECESSARY Clem son College, *S. C.?The past year has demonstrated one thing to the satisfaction of every man in the state who is engaged in dairy farming, and that is that he can not hope for success unless he produces at , home all of the roughage needed and most of the grain feeds. In every , instance where farmers have become discouvaged with the business the underlying cause has been the lack of sufficient home-grown feeds. Tc meet this requirement the following feed requirement for one cow ha> teen worked out by the Extension Division for the information of far mors during the coming year. One ton legume hay. Four tons mangels or silage. On? ton sorghum. I 2 acre velvet beans and corn. 1 2 acre rye for winter pasture. One ac w pt i manent Bermuda pasture. The nl? -> "ation will furniih suf ffcient rc>Vi t'ov one cow for one year, wi'h the exec'"en of 200 pounds cf cottonseed m'f-! cv soyhran meal which should ho added to the grain mixture. The 1-2 acre of velvet 1*^ ^v'V. v -;-:- fet&v* r- -,:' r;^--:?:;-':; ^ IB^j *?.? :-. the /ao/t of me, and The finest, v/hitest, cl ever saw. Only the pui est Virginia and Caroli there. And when I o in the daintiest of whit ?don't you know I a SOVEREIGN? th KNOW 'i KNOW good toba ood taste?and I have the , except? i me to your dealer < A O if n juumern gentleman i vord, and I have given y< MAN OP TOE 8 CLt """ ' " " ' ' " beans should furnish at least two months of winter grazing, besides 700 pounds of velvet beans in the pod anl 700 pounds of corn and cob meal to be mixed with the velvet bean meal and cottonseed or soybean meal for the grain mixture. o NOTICE. There has taken up at my place one heifer about 2 or 3 years old, colored black, red and white, unmarked. I want owner to pay charges when he comes. H. M. KABON, R. F. D. No. 1, Allen, S. C. Ian. 15, 1917. o NOTICE. There will be an Educational Rally Day at Simpson Creek School House a District No. o9, Saturday Feb. 24th, which will be the closing of the term. It is expected that Hon. R. B. Scarborough will bo present and deliver an address. Everybody is invited to come and bring well filled baskets. Dinner will be served on the ground at 11 :M0 o'clock. Exercises to begin immediately afterwards. Walter P. Gore, Mrs. J. I). Sin$\!otr? y, TEACHGKS. r is a (v O wtll v ^i. (w) 'aW ^ ? ' If S!'> : f . I., Sj ' ' M i ?V". '- .-V.vV "V-''y . V" : ; and pure - ^ the smoke of me eanest home you rest, sweetest, rich ina tobacco enters ome out wrannpH ? * ?- ? 1 te imported paper ! m proud to be a oodl ?> cco/ m all. That's my I I i Buy me. j and get 8 known >u mine. netted OUTH ? __ THESE !* {HOOVER DISCREDITS RERNE RUMORS American Belgian Relief Workers Reported Prisoners of Germans. Washington.?Reports from Berne that American relief workers in Belgium are held prisoners by the German military authorities were dis?reditu! here today by Herbert C. C. Hoover, chairman of the American relief commission. Mr. Hoover said he expected no difficulty in the departure of the Americans from Belgium into Holland and hoped they all would be out within a week. There are 4(5 American relief workers in Belgium. Mr. Hoover was in Washington today consulting with State Depart] ment officials on the best way to rei construct the relief work which the (German military authorities have forced the Americans to give up. It j is very difficult to work this out, Mr. Hoover says, bccr.usc no otvor ' ad .a lias the trained workers. Joir.t Co at mission Proposed. K is hoped, however, that iodt ' O : international Dutch and Spanish omniission may take O" < r the relief with the work largely directed to Dutch army officers, although guar, ntted by the two governments. The V nch have a si:;plus of tats aval voj> tailor which could be carried in to Belgium. The Netherlands, howj vcr. is o short of cereals that sense | \ v.1' miiiicn cattle, on which they cla< ,.d f tuft v and chocs \ will he in | i bad plight unless sailings (f . hips ....? .... . . .. i I on ? V..HDI Cti. Mr. Hoover believes that Bob.hint . ill em : go from the war in bettor condition economically than any of .10 European neutiuls. provided it is not destroyed by fighting. 11c est'..nates that tie Belgian per capita debt will be about $1T>0. Moreover it. is orti. nted that there is over 8100,000 000 due to Belgium in cent;.k>ss and interest from wutGde eottutiies. Belgian industry wh^e parti:.lly dismantled by the Germans and eonr.ideiably slowed up by the lo: s of all foreign Dado, is enr.ectcd to revive quickly after peace comes. Mr. Hoaxer estimetes that supplies .io\v in Belgium will last about six wool;.;. o ANOTHER LOAN TO TURKEY Germany Lets Ottoman Empire Have 42,'iGO 000 Bounds. London.?Germany has made a new loan to Turkey of 42,500,000 Turkish pounds, according to a Renter dispatch from Amsterdam, quoting a Constantinople dispatch printid in the Gorman newspapers. A bill authorizing accepting of the loan was introduced in the Turkish Senate on Tuesday. Djavid Bey, minister of finance, in discussing the bill, said that since the outbreak of j the war Germany and Austria-Hungnry had advanced to Turkey 79,1000,000 pounds, payable eleven years I after peare is declared. Djavid Bey said that his visit* tr? I>t i*liii had convinced hi 111 that Germany would do everything1 possible to facilitate Turkey's payment of her debts and was ready, apart from the advances already made, to give the money necessary for reorganization after the war. The minister declared that if these hopes were realized and 10(1,000,000 to 150,000,00o pounds was secured to be spent in agriculture, railway building and roads Turkey would be able in ten years to cover her ordinary expenditure and interest on national debts as well as debts contracted during the war. The bill authorizing acceptance of the loan also authorized the issue of 32.000,000 pounds in bank notes. Djavid Boy stated that these bank notes were not paper money, but would be cashed by Germany in gold, lie expressed surprise that these notes were decreasing in value and that the public was giving three pounds in paper for one pound in gold. o To Cure a Cold In One Day Tnke LAXATICT! nKOMO Quinine. It stops the Cough and Headache and works off the Cold. Dru^gi^ts refund money if it fails to cure. U. W. GKOVli'S signature on each bo*. ?5c. TRESPASS NOTICE. All persons are hereby forbidden to enter or trespass upon our lands in Simpson Creek twonship, known as the Round Swamp lands, under penalty of the law. N. E. HARDWICKE. H. H. WOODWARD.