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| ~ in OF FARM CREDITS Tells Lxle[n fifige Presidents That The European Systems €ould Be Adapted For Our Own Use. TO0 MUCH INTEREST PAYING Says Firmers Bach Year Pay $260; 000,000 More Than Necessary Under New Plan. MONEY IS NEEDED AT HOME. Estimste $2,000,000 Should be Ex- pended at Once in Internal = - Improvements. ~7 United Press. New York, December 5—The “Ru- ral Credit’” panking System, which] has ‘been investigated recently’ in Europe, at the direction of Presi- dent Taft, by Myron T. Herrick, Uni- ted States Ambassador to Frdiice, was the subject of an address delivered here today by Herrick, before the Sixth Annual Convention of the As- sociation of Life Insurance Presi- dents. He spoke in part as follows: “This subject of agricultural cred- its, while of great maggritude; is real- 1y after all not intricate: - The. opera- tion of the Credit Fancier,-the Lands- chaften, the Raiffeisen, _and hun- dreds of kindred institutions for land and personai credit, so eminéntly suc- cessful and beneficial in their results in Europe, can be very--easily- ex- plained. It is simply an application of the story of the bundle of sticks tied togethér,—singly, easily broken; together, able to withstamd any pres- sure. it R “Villages, municipalities, cltées in America are really a fungus growth] CHRISTMAS EXPRESS STICKERS.|speakership was made certain Tues- The .Northern Express.company,|day by the withdrawal of his three on the country. They are dependent upon it for life—for existence. _ , “The village, in order to maintain Photo by American rress Assoctation. 01 YOU RABBIT! Cleveland. 0., Dec. 5—The twenty- day’ rabbit hunting season in Ohio, which began November 15 and ended vesterday, has cost nine lives. In ad- dition thirty-three have been wound- ed. A lafge proportion of these have lost an eye, as’arm,-a-h&nd or a leg in the many accidents.:.. * GIBBONS LOSES FIGHT. By United Press._ . s o.nid New York, Dec. 5. — Eddie Me- Goorty was given a decision on points over Mike Gibbons in a ten ord breaking crowd attended the fight but became disgusted at the the farce during the seventh-rouad. which is operated in connection with the Northern Pacific railroad, has is- schools, make streets, build water-|Sued a booklet containing about twen-. works and lighting plants and other{ty-stickers to be placed on the out- municipal utilities, pledges the uni- ted “credit of the municipality, the the security extending over long periods. This is done by aid of legis- lation, which also provided restric- tions as to the amount of the loan, etc. In other words, it is a financial “‘gset-up’ created by legislative author- ity, and the result is magical in its effect. As soon as this security is created by uniting the credit of ‘the municipality, it becomes cosmopoli- tan in its nature. Instead of depend- ing on the home market, it has be- come current security in any money centre of the United States at a low rate of interst. “Were it not for this legal authorization of the ar- rangement, it would depend on the local market and necessarily little or no improvements could take place, or at least it would be slow, cumbersome and expensive. Inconsistent as it méy seem, the result is that which is an artificial growth on the country has a broad and secure market, while the country—the great country itself, which produces and is respon-| sible for the existence of the villages and the municipalities and the cities, has a local and restricted market and insufficient capital to promote its le- gitimate advancement. ‘“Every year the farmers is spend- ing something like $250,000,000 more for interest than would be the cdse if he were able to enjoy the “benfits of this system. This sum which he expends in interest should be applied to the development of the country. It has been estimated by, good authority that he needs immed- iately for legitimate development of the soil more than $2,000,000. | “The whole question which is now béing agitated is the creation of a ‘get-up’—a financial plan adapted from European systems which will finance our land at low rates of in- terest for a long time, and accom- panying that a system whereby the personal credit of the farmer, by an arrangement similar to the Raiffeisen system in Germany, may also be mobilized and put on a sound basis. “It only needs the application of the | alert minds of the Americans to work | out and adapt these systems, for the peychological moment has arrived| whell it is necessary for it to be done. - very fact that your organ- {zat! is turning its attention now to tie solution of this question—as| .many others are doing in America— ‘meags that we shall be successful in its plishment. The wide-spread benefit to be derived from this is so great that it is almost past compre- hension, and one becomes impatient (Continued on last page). which the sender does not wish to have opened until Christmas day. The sticker is printed in four colors on a half inches and says Greetings—Do not open until Christ- mas."” BREWERY CLEANING UP. the interior of the Rex hotel. Carter ning. Mr. supervised pany with men from Duluth. ris but that most of the things taken out are badly burned or charred. midji headquarters. WOODMEN ELECT OFFICERS. Medern Woodmen of America; H. A Whitney, counsel; ing officers; Kee, clerk; Fred Bursley, banker; ieal-examiner;-J. P. Lahr,-manager; Chapman sentry. a ball sometime in January. change made by the head camp. SCO round bout here last-fight. - A rec-| tame- exhibition and_began leavingj side of expressed Christmas pacckages | Wednesday. He conferred for a short gummed label three by five and one-|of the Progressive caucus that named “Christmas | Rines. The Duluth Brewing company has|to make it public. a crew of men.at work cleaning -out The work is-not being done by A. A. Car- ] tated in the Pioneer last eve- i i the |morning of running a disorderly cleaning up of the streets and side- walks-a week .or ten days ago but the, work on. the interior of the build- ing'is being done by the brewing com- Mr. Carter says that there :are many calls a day asking if certain trinkets are being found in the. deb- 'Anything of value is being saved by the brewing company at their. Be- - Members ‘of Bemidji camp 5012, met| WHO MARRIED JACK JOHNSON? last evening and elected the follow- George Sterling, advisor; H. N. Me-|today are wandering who it was that John Breen, escort; L. A. Ward, med-|Cameron yesterday. William Garrison, watchman; George|yesterday as Rev. H. A. Roberts, pas- The Woodmen are planniag to give | Methodist’ Episcopal church. Today There|it appears that the pastor of this was much discussion of rates at thelchurch is the Rev. John W-~Robinson meeting last” evening -as several of|who has never heard of Mr. Roberts. the members have no policies to show | None of the negro divines in—Chi- for their membership since the recent|cago appear-to kug® anything of |COL. GRACIE ‘DEAD New York, Dec. 5.—Colonel: Arch- bald-Gracie of Washington, one-of the last; passengers to leave the sinking Titanic, died here today in a private hospital. Golone 1racie went down With the Veasél, but on coming to the Surfa ward ‘helped others. Colonel Gracie was a cousin of Dan Gracie of Bemidji. His escape from the sinking Titanic was one of the tragedy that cost more than 1,380 lives. He was one of the many first class pissengerl who 'refused to be taken off in the boats of the liner, and as he described it, he was on one of tl}e upper decks.when the big ship settled. Near him were Major Archi- bald’ Butt and Colonel John Jacob Astof, Colonel Gracie said he was thrown upward just before sinking, and he was drawn_down by -the suction. He was carried down more. than-a hun- dred feet, he asserted, and then was suddenly.shot up to the surface when the Titanic’s boilers burst. As he came to the surface breath- less he found'himself near a life raft. There were many other persons swim- ming close to it, and after assisting’ several of them on-it he was lifted on himself, and later reseued by one of the boats of the Carpathia. FAT-JOBS T0 GO - St. Paul, Dee. 5.—Curtailment of the number of house employes at the coming gessiopn af the legislature, in the interest of sconomy, is certain & be one of the features of th&T - ization of the house umder Henry Rines of Mora, whose election to the rivals. The next session is going to be a poor one for job hunters, Rines prepared Friday night to leave for his home in Kanabec county time with J. T. Johnson of Fergus Falls, who was himself a candidate for speaker, but accepted the verdict The new speaker has in mind a fairly definite program of legislation ito be carried through the house dur- ing the winter, but he is not ready RYBERG FOUND GUILTY. John Ryberg was found guilty this house on Second street. He was fined $50 and costs and served a notice of appeal. The mayor was present at the trial in order to hear the testi- mony. Witnesses said that liquors had been ‘sold in the building at all hours of the day and night and that the girl inmates had been instructed to “get out among the men and get the money.” Ryberg had a cash bail of $50 up so that he will go free by adding a few dollars for costs. It is believed that action towards revok- ing Ryberg’s license will be taken by the mayor this afternoon. Chicago, Dec. 5—Pastors and mem- bers of negro churches in Chicago married Jack Johnson and Lucille The minister’s name was given tor of St. Mark's Afro-American Rev:.H._3: Roberts. found 4’ life raft on which he after- |, His: family 18 prominent in New | York, Washington, and Mobile, Ala. [ most thrilling incldents of the acean | “BEMIDJI, MINNESOTA; THURSDAY EVENING, DECEMBER 5, 1812. : into the water when the vessel tilted | (Conyright.] His First Girl. Wickersham Says Expense_ for Past Year Was $2,532,560.23 and. | Showed Annual Increase. ATTORNEYS ON COURT SERVICE " “Wash| mn‘%ms;-_—wni_te siave Gonvictions, eréminat-and civil proge- cutions undeér- the Shetman ‘law, frauds on the revemue, violations of national banking laws, the postal laws and miscellaneous-crimes during the fiscal year ended June 30, 1912, have paid in:penalties imppsed more than enough to support the entire judiciary of' the United “States, ac- cording to the annual report of At- torney General Wickersham'submitt- ed to congress today. - Although the operations of the de- partment of justice, the courts and the government’s legal machinery in general, cost $2,532,560.23, an in- crease of $232,680,23 over that of the year ended Jume 36, 1911, there was actually collected and paid into the treasury of the United States an ag- gregate sum of $2,749,070.15. This reveals the somewhat startling fact that, despite the desparate efforts of the government crime, vice and illeg- al businesses have thrived. The attorney general in submit- ting the report made a fervent appeak for increased appropriations and more drastic laws and increased au- thority in the administration of ju- diciary. He reviewed the work of the department at great length and in a most comprehensive manner, re- vealed the exact status of the’nu- tion’s crime quashing machinery. Among the most important of the recommendations submitted in the report today is placing federal at- torneys, assistant attorneys and oth- er officers under the civil service rules. If congress will authorize this, ‘Wickersham said, it will develop the highest efficiency in the ranks of the employes. “The expense of the year,” said force criminal liability under the Sherman law has not been encourag- ing.” The attorney general presented a long tabulated list to bear out this assertion. Considerable attention is given in the report of the govern- ment’s efforts to safeguard water rights in the promotion of reclama. tion rights. He urges special con: (Continued on last page). JUSTICE COSTS MONEY Wicgersham, “in endeavoring to en-| TWENTY DAYS 2 3 TO CHRISTMAS & i Buy Those Christmas Things Now. CONSTRUCT POST ROAD BY United Press. Janesville, Wis., Dec. 5.—A post road similar to those comstructed by Julius Caeser during his trans-Al- pine campaigns that he might more speedily rush his legions to subdue may be constructed in Iowa, Michi- gan, Wisconsin and Minnesota. With Congressman Warburton of Washington, as the champion, the “good roadsters” plan to get an ap- propriation from congress for a six- teen foot roadway from Lansing, Michigan, through the states named. It is proposed to pave the road with a concrete base and virtolized brick top. HOMESTEADER IS KILLED. Word was received: here at noon today that William Haggerty, a homesteader residing near Loman, had died from a bullet wound thought to have been accidentally in- flicted. John Christie, mail carrier {from Bannock to Loman found Hag- gerty dying in the road about two {to speak but was unable to tell of {the accident. = From circumstantidl evidemce it is believed that Haggerty tried to use the butt of hjs” gun-as a club to break through the ice for a water {hole._ The”gun was discharged and |the bullet entered the breast above | center of his body. leaves a widow and four children. Interment will be made in Loman un- tder the auspicés of the I. 0. O. F. Time Is Getting Short| lawlessness among the barbarians| miles south of Loman. Haggerty_tried | {the heart and came out the back,; | tearing, a gaping wound through the | Made to shape the 1913 plans of the Haggerty was be- | 28sociation so that the efforts made tween fifty and sixty years old and{bY this and other Minnesota leagues | will go more toward the developing iof Minnesota than the entire North- vd?pmlt Association Attract- ing Men of Prominence. C. Hodgson. - meecial club. Solo—O0. W. Peterson. E. Vincent. 3 dentials and resoluytjoms. Minnesota. inspection of new buildings. 8 p. m.—Smokes. sota,” Fred B. Snyder. The Program Tomorrow. 9:30 a. of Duluth. ta,” James J. Hill. Reports of committees. Election of officers. Selection of next meeting place. | discussion. i . | Special to The Pioneer: the third annual Northern o'clock this morning. both sessions. { vention. i (Continued on last page! By “"HOP” MANY AT CROOKSTON Sessions of Northern un : esota De- 10 a. 1. —~Opéning-prayer, Rev, W. Address- of - welcome—Sam *Rosen- thal, president of the Crookstan C appointed a committee to solicit sub- Address—“Team Play,” Dr. George Appointment of gommittees on cre- 2 p. m.—At the-Northwestern ex- periment farm of the University of Dedicatory services and Address—“Development of Minne- m. — Address — “Trunk Lines and Their Effect on the Settle- ment of and Market Value of North- ern Minnesota Lands,” G. G. Hartley, 10:30 a. m.—Address—“Minneso- “Plans for 1913” and their general Crookston, Dec. 5. — Delegates to meeting of the Minnesota Development association began arriving here last night and all hotels were filled by 10 ‘W. R. Mac- kenzie, secretary of the association, came from Minneapolis yesterday af- ternoon and brought word with him that J. J. Hill would be present at Louis W. Hill, W. A. McGonagle of Duluth, and other men high in Minnesota railroad and finan- | cial circles are also-attending the con- “Develop Minnesota First,” prom- lises to become the slogan of this meeting and special efforts are to be Meeting Held Monday In Library Re- sulted In the Taking of Bedinite " Action for. Poor Relief. That Number of Unfortunate Children: FUNDS ARE NEEDED AT ONCE tributions of Money or Useful Articles be Turned In. - In response to an invitation pubd- lished in the Pioneer a few days ago, several people met at the Library Monday evening and organized an as- sociation for charitable purposes. The following officers and commit- tees were appointed: President, Mrs. Thomas MeCann. Vice-president, Rev. C. H. Flesher. Secretary, Mrs. T. J. Welsh. Treasurer, George D. Backus. Trustees—Mrs. R. F. Murphy, Mrs. D. C. Smyth, Mrs. A. E. Witting, Reverend Harris, and T. J. Welsh. A committee of three was appeint- ed to draft a constitution and by- laws and is composed of E. E. Mc- Donald, G. D. Backus and R. F. Mur- phy. They are to report at the next “ Mrs. E.H. Smith, Mrs. J. P. Hea~ nesséy and Miss L. L. Berman were scriptions from the gemeral public. Response—President C. M. King.|Mrs. H. E. Smith, Captain Helen Réitz of the Salvation Army, and K. K. Ree were appointed a committee to look into cases brought to their at- tention and give relief to-tie same. The meeting and organization is the result-of what has generally been considered a growing necessity for some tim® past, in order that unified action may be taken by those inter- ested in charitable work. It will also give many opportunity to donate when assured that the donation will Dbe used in the most practical and in- telligent way possible. ceived at-the Pioneer office from the soliciting committee:™ “Bemidji is fortunate in the small number of families which are in need of charitable assistance. Yet because of . sickness and other things there are about thirty families and about sixty to seventy children, most of whom are widows and orphans, who do need assistance—and some badly and at once. “Because of the cases which need immediate attention and the neces- sary delay in perfecting the organ- ization of the association, Mrs. E. H. Smith, Mrs. J. P. Hennessey and Miss L. L. Berman were appointed an emergeney committee to solicit funds as soon as possible im-order that the treasurer may be able to meet the demands of those where delay will mean suffering from poverty in any of its forms. “It is the wish and intention of those who have already joined the association to give the work as wide a scope and make it as effective as possible. - It is their hope that the response to the call for funds will be as generous as a movement of this kind is entitled to and that every man and woman will give. what they can in money or useful articles; and not only give, but join the associa- tion and help with their presemce and counsel. If this is donme, it is the belief of those who are already members that the work can be made 8o complete that every citizen in Be- midji can point with pride to the fact that there are nb women, chil- dren or- deserving men here suffer- ing for.want of food and clothing. = .“The Judies, who are soliciting wilt probably not be able to meet one- fourth of the men and women who will want to encourage this work and may not be able to reach you, Hf' Reader; but you are wanted. If you will hand or mail to them or the treasurer, your contribution it will be appreciated and some unfortunate man, woman or child will be helped. *“There will be another meeting De- cember 16 in the Library. Every one terested is invited to attend. “(Signed) _ = “—The Soliciting Committes.” HAVE ORGAMGZED Following is a communication re-