Show t A CHRISTMAS SURPRISE It was the night before Christmas Christman Te sye TO and the wind was blowing a fierce wco gale around the comfortable old Jd farm house bouse Every Even now anc and then Chen a fluffy white snow flake would come whirling down from the sky only to be followed up by another In a cozy room seated around a aIre aare afire Ire fire place sat eat three boys In deep thought All seemed very serious for tor Dick lads Suddenly neb inch young prang sprang to his feet saying I have bave It boys I have It Just the thing to tomake tomake tomake make us have the right spirit on OD Christmas Well said Ned grinning dont keep us ns in You both know om OUI Jau lady lauy Thump Thump- on son on said Dick I overheard mother telling Mrs JIggs how bad she needed need ed assistance She said the Ladles Ladies Aid were making some nice warm clothing for her Now I think it would be right jolly for us boys to surprise her with a big load of or wood chopped t J The he next morning saw three mern merry merry mer mer- ry n boys with team sleighs and three shining axes going down towards Big Hollow Their way was was clear as Neds Ned's mother had captured Mrs Thompson and taken her to spend the day at the Peterson farmhouse It wasn't long before they had a Ii neat pile of ot chopped wood by Mrs rs Thompson's Thompsons door Now said Frank I think its up to the girls girl's to help us finish the Job I 1 told Nell of our secrets last night and she promised to see Jasp Jasp- mine and Debris DelorIs the thing this afternoon and have a basket of food tood ready for lor us at seven At seven o'clock six happy happ boys and girls were on their way to the Thompson cottage with a large basket artistically wrapped in tin foil toll and tissue paper with a large sprig of holly bolly and a book of red ribbon on the top Dick being the founder of this glorious plan strutted up the steps basket in hand deposited It at atthe atthe atthe the door knocked lightly and hurried hur hur- ried back to the sleigh When the quaint white haired old lady reached the door she could see nothing of or these good fairies but the sweet tweet sound of ot childrens children's voices floated over the air to her singing Christmas carols As she bent to pick up the basket tears came to her eyes for or she realized how scanty her fair would have bave been had it not be been n for the childrens children's generous sur Bur prise BEEDE BEEBE SHEPPARD Mt Home School Grade 13 years old the charter charter I Is granted and then others can be admitted by a two two- thirds vote Tote of oC the board of directors directors tors and th these se will be bo able to get their loans as quickly and probably more so than if they belonged to toa toa toa a large association covering a large area can treasurer secretary The same game act for all the associations In th the county with his headquarters at tb the have havo the county seat where he can advantage of safety deposit vaults to keep the records and bonds be belonging belonging longing to the associations It would only onty bo be necessary for or each small association to have an nn assistant assistant assis assis- tant secretary whose only duties Vio ho of of u t. t k the would be ue to tu LV eop 1 the board meetings and transmit them to the secretary tr secretary surer I believe that in order to start an all association in the right way th the charter members be e the they ten or whatever number is necessary to tomake tomake tomake make up should all be land landowners landowners landowners owners and men well known The three appraisers should also be men well known and well acquainted with land values alues in their district who would give a Just and fair valuation to the lands they examine The board of directors should es esp especially especially es- es p be men of standing and well acquainted with applicants in their district because on the board of or directors directors di dl rectors falls the of admitting admitting ad ad- to the association only men who mean business and who will do their best to keep up their end If a no member defaults each member of the association is responsible to the extent extent extent ex ex- ex- ex tent of or 10 per cent of his loan If each member o of the association would make it his business as he should to see that his taxes are promptly paid when due that the insurance in- in insurance in In- on his buildings is kept up and that the Interest on his loan loanIS loanis' IS is' sent to the secretary treasure a v few days before it is due it would save saye the treasurer secretary a great deal of or trouble and expense and would not t take ke up so much of ot his time to see that all th these things are done The time and expense of ot the treasurer secretary-treasurer must be paid for forby forby forby by the association and each member member member mem mem- ber would be saving his own mone money ly- ly being careful and prompt In these matters Another er point which some have probably not thought of and that Is that the tho government restricts the use of this money borrowed and you cannot use it to live on and spend spendIn In any way you choose It must be used only for the following following fol tot I lowing purposes To provide for the purchase of agricultural land to purchase purchase purchase pur pur- chase equipment fertilizers ers and and live livestock livestock livestock stock for tor the proper and reasonable operation of the farm to provide buildings and for the Improvement o of farm lands or to pay payoff off mortgages mort mortgages mortgages gages already on th the land The sec sec- treasurer has to see that It Is Ie spent in this way o 0 o that would take take a good deal l af of ot the tho secretary's time timo In looking after which would require a sal salary y of or from fifty to seventy five dollars per month Tho same territory with an organization in each of the following following following follow follow- ing places Lapoint Moffit Hayden Roosevelt ett Altonah and Ioka loka would mee meet this condition much more mora cheaply cheap Six associations either of or them would be able to 10 have the work taken care of or at from fifty to seventy five dollars per year Thus a clear saving of ot four tour hundred fifty doll dollars rs per year in secretary's salar salary The expenses of the local appraising ing board must also be paid In the larger arger association above spoken of the automobile hire would be a avery avery avery very prominent portion of ot the ex ex- While no set of or men In this country seem to bo be so public spirited to desire nor so affluent as as to be beAble beable beable able to spend the time that would be required for tor that cause causo without wages The first move In such an organIzation organization organization would be t td fix a salary for fort forthe t he the e appraising board It would hardly be expected that the Federal Land board beard would reject it But OH oft the he other hand to organize om o on the I smaller unit plan as above suggested suggest suggest- ed the appraisers would all have horses other conveyance yance of their own The Tho expense would be bo very mall the of or time would not be bo great and the salaried officers would not be thought 0 of even If It was attempted the Federal Land board would reject the salar salary Thus another big bill of or expenses would be eliminated by the small unit organization The second premise falls tails to the ground when we consider the pur pur- purpose purpose pose ose of the organization Yet if it was desired to make malte these organizations organizations organizations a basis basis' of operative co-operative buying this could best be dono by the small unit plan The secretary is one ono of the people of his locality and in his regular routine of work meets the members of his particular organIzation organ organ- Therefore he Is in a position position position po po- to to learn their wants with a minimum amount of ot effort If fo for foran r an any reason it were desirable to purchase purchase purchase pur pur- chase a larger quantity o of any given article two associations could easily buy together While the larger or or- organization organization would not furnish neally near neal nearly neary ly y so good an opportunity for this work because the secretary would no nobe not t be in touch with the members so well The third pr pr pr-mise mIse seems to be no better founded than the others Just the mode of of the land banks appraiser Is yet a conjecture but he will evidently have a given amount of territory to cover and probably will make scheduled rounds At any event the call of a given number num ber of farmers fo for for a specified loan will bo be Just as great through a number number number num num- ber of ot small associations as through one big one Finally every argument In favor of the larger organization upon analysis has proved to be In favor favoro o of the small unit Another important factor Is the matter of ot appraisement There is little doubt that the banks bank's appraiser er will be Influenced to a great extent extent extent ex ex- tent by tho the valuations placed by the local appraising board The peculIar peculiar peculiar thing about the reservation la is lathat that nearly everyone thinks his own piece the very best The sentiment expressed by one good soul that Altonah Al Al- Altonah tonah couldn't develop because It was too far from Independence Is only only on ly indicative of the nature of ot man Too many times men who are interested interested interested inter inter- ested in booming some particular part of the country are g given ven nent neat positions and they in the appraising appraising ap ap- praising boards would do great mischIef mischief mischief mis mis- chief to the the outlying districts The Th best and fairest appraisements would be given by men of the immediate locality men who have faith in the development of that portion men who know the ifs Irs and the ands concerning concerning con con- the be property they are passing upon Hence let us correct these evils of or the large association before they actually exist and save the extravagance ex ex- and waste that will follow follow tollow fol tol- low the larger organization ROBT RODT H. H C. C MARCHANT Ioka loka Utah h Jan 29 1917 o 0 |