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Show THIS SHOULD HE GOLDEN YEAR FOR IH AMERICAN AGRICULTURE. HHB I believe that the grratont constructive service tho HH banker of any city, or any state or or the nation, can HHJl perforin at thin time la to endeavor, by every means at HHc their command, to Impress upon tho minds of the people HHf the necessity for each Individual man, woman nml child JH striving to practice the virtue of thrift James (1 Mc AB Nary, Kl Paso, Tex. B The farmers of the United States arc now en- linH Kngcd in harvesting enormous crops perhaps iMH the greatest over produced in this country, gov- IHJHJ ernment foreensts indicating n $12,000,000,000 H crop yield for 1015, writes T. D. McGregor In the HH American Dnnkcrs' Magazine. Big crops and HHl good prices will quickly make better business for (EjHj the railroads, for manufacturers and for whole BH sale and retail business generally. There ought, HHE therefore, to bo Increased prosperity for all of us, HE and that is why both city and country nre Intcr- BH cstcd in the crops. Nnturc has been kind to us. nJH Should we not be equally kind to ourselves in thu IRK matter of waste prevention 7 KK American farmers will bum thousands of tons Of of straw that, in Europe, wnrmado thrift would HI cauho to bo saved for various uses. According HI B to ono student of tho value of byproducts, nllow M3 ing cornstalks to evaporate and deeny causes an . HI annual waste of $200,000,000. Hut progressive l MB p farmers are reducing this waste by using silos to Kll preserve chopped cornstalks and other fodder Hj 8 crops. The humble hen is n first nid to the thrift Ml 1 of tho farmer's wife, but the department of ng- Mb r. riculturc estimates nn nnnunl loss of $-10,000,000 KBUH from unnecessarily spoiled eggs. me Tho annual shipment of potatoes from Maine H is thirty-five thousand cars, and It said that the mm average waste Is twenty bushels per car, or u jjK toUil of 700,000 bushels. The yearly waste of HK vegetables of nil kinds is duplicated by that of Haw fruit. The government specialists cstimnte that HeRhI homo canning on tho fnrm of what otherwise tlilf would bo wasted ought to save at least $100,000,- HIIH 000 annually. HUH But these aro largo and general statements. HHJH To get right down to "brass stacks," as they say, l how can tho farmer actually savo money? Ho HjffHJj must not be tight fisted or his farm will not be HJMH kept up. Ho must not be a spendthrift or ho will HID set into difficulties that way. In approaching n HjlHJ bank for a loan the man without n bank account HtlnH 's handicapped. Hul Tho farmer who says, "I wish to buy twenty HlfC steers to fatten for market, will you loan mo Hi H aomo money?" will stand a good chnnco of gct- HJf ting tho loan. If ho Hays, "Our best horse died HJ H and wo aro hard up; tho rent is coming duo and HP h tho insurance expires tomorrow; won't you HI H please loan mo $200?" tho banker feels very sor- H; IB ry for him, but dislikes to risk two hundred per- HS j fectly good dollars on a farmer with such an un- Hjf m promising outlook. HjL Cj Close co-operation between farmer and banker Hul M ought to cnnblo most tenants to become owners HJ' Hj if they really want to own their farms, as they HRf U should. Many farmers ns well as their wives try Hn H to savu money by doing nil tho work themselves, HB. H and nftcr a few years spend more money than HH. m they saved on both hired help nnd doctors' bills. HH H Sometimes they get beyond tho doctors' help in HH U carrying out this plan for saving money. Some fcoplo save by not insuring their property nnd . oso everything when their houso or barn burns. HH; Common sense saving is tho thing and it is HHIW Rood for everybody, city dweller nnd farmer 9 alike. HiUn j- - 1 |