Bemidji Daily Pioneer Newspaper, April 3, 1919, Page 6

PAINT AS AN ASSET, Bankers Say They Lend More Money on Property When Buildings Are Well Painted. — AN iNDICATION OF THRIFT. QOne Concern Advances 25 Per' Cent. More If Repainting Is Done f Every Five Years. Does 1t pay to paint carefully farm ®uildings? Does it add to the selling walue of a farm when bulldings are preperly kept up and regularly paint- @31 A careful inquiry of a number of ‘Jeading bankers In the Mississipp! val- Rey, including such states as Iowa, Ill- zois, Michigan, Ohlo, Indiana and Mis- oonrl. reveals the fact Lhnt In nearly gvery case the bankers dtd not hest- tate to say that they would lend all the way from 5 to 50 per cent. more on land where farm bulldings were well palnted and kept in good condition. They maintain that well kept-up and weil painted buildings and fences are an Indicition of thrift and that the thrifty farmer is a good client, and to fdim money can be safely loaned. An average of the returns from these bankers shows that the increased loan value because of painted buildings is rround 22 per cent. Some of these bankers make Inter- esting comment. A Michigan concern says that, while not especially pre- pared to advise definitely In response %o this Inquiry, the officers would loan more money on farms where bulidings were palnted than where they were mot so treated. This bank also finds that where houses, barns and fences are well taken care of the farm I8 a profitable proposition, and bankers in geuneral consider the farmer a good alfent. Another Michigan bank says “farm buildings out of repalr and aeeding paint indicate that the owner is.slow pay.” Such farms are rated at about one-third of the assessed value for loans. Where the farm bulldings’ are in good shape the rating is one- half. The president of a middle west- em bank says that when real estate ioans are consldered, painted bulldings are always taken into consideration in making an estimate. The general ap- pearance of the property surrounding the house and barn and also the flelds and fences would be carefully observ- »d. He further says that he has no, hesitancy In saying that he would ab- solutely refuse a loan on farms where the bulldings were not kept up and well painted. In his judgment, un- painted farm buildings would redace the loan value at least 25 per cent, - _'A Minnesota banker says that he Is much more willing to loan' money where the buildings are well painted. in his particular case he believes that ae would loan 20 per cent. more than 3¢ the bulldings were not properly iaken care of. A farmer who will keep his. bulldings painted takes & much deeper interest .n his work than one who does pot. Another Minue- sota bank says that well painted bulld- tngs have resulted in'securing from his bank soretimes as high as 23 per cent, more money than where the hulidings are oot palnted, An Ohlo concern says that it will loan 25 per cent. more money on a well kept farm where bulldings are painted at least once every five years. A southern INi- nols bank says that it has no fixed rule about this, but it does make a de- «ided diffecence when owners of farm Mnds apply for loans. If the buildings are well pajnted and thus well pre- served the loan rate would not only be cheaper, bat the mmount of money | »orrowed would be larger. A northern Ilinols bank does not hesitate to say that it would lpan fully 50 per cent. more on a farm where buildings were well palnted and in good order than where they were not. The vice presi- dent, who answers the inquirp, goes an to say: “There probably are many farmers good financially and morally swho permit their buildings to remain anpainted, but as a rule the most sub- stantial people who live in the coun- tey keep their bulldings well painted.” An lowa bank, through its vice prés- ident, states that it “nuld make a dif- ference of at least 25 per cent. in fa- yor of the farm with painted build- ings. Another Iowa concern says that it would make a difference of at least 20 per cent. All this belng true, it Is perfectly avident that It is a good business prop- osition to keep the farm builldings well palnted. They not only look better aad are more pleasing to the owner, but the farm would sell to better ad- vantage, the loan value of the praperty would be greatly Increased and the bulldings themselves would last much longer and need less repair.—~The American Agriculturist. PAINT AND ILLITERACY. Curlous Fact Comes to Light That Le- calities Least Using Books Avoid Paint Also. Washington, D. C.—A curious fact has been brought to light by the Edu- cational Bureau and the Bureau of In- dostrial Research bere. It is that in the states where illiteracy is most prevalent paint is least used. The paiat referred to is the common o1 barn variety, of course, for the backe woods countries have no need for thé Aser pigments or Taclal adornments it is true, though, that in the sections of all states where white illiteracy 1a .Mighest psinted homes are rare and .sainted outbuildings and barns are practically . unknown. Probably the slliterates do Dot use paint on theh bulldings because they do not under stand Its value &s L preservmlve. s p— * TURTLE LAKE LR R R L R E SRR R R P Cyrl Dickenson, one of Uncle Sam’s | Anderson. home trom oveptian Welbome Homb. | | At Mo, bhnn Shis Monday. They All Look Into the Future With Confidence PROFESS[ON M Cyrl. Simons. per Saturday Mrs. B. N. Wentworth. in-law, Mrs. Frank Johnson. Friday. Mr. and,Mrs. M. W. Butler enter- tained Sunday, their son George, of Redby, Mr. -and Mrs, Byron. Went- worth and son Philip, Garnette Hines of Hines and John Peterson form- erly of St. James. Minn. Wilsey Sunday. Reeve home Sunday atives at Hines Monday. Mrs. A.Leunse Vlsi!edddat the | constipation, restore your ap- William De Grave home Sunday. John Peterson arrived Tuesday last C trom St. James and is visiting at the | Youth to your cheeks. You will M. W. Bautler home. Mrs. A. F. Saddler ang gon. Penn, left Tuesday for Redby to spend a fvfl}arget package tflmly 35c¢), few days with relatives before leav- put you on e road to ing for Rochester, Minn., where Mrs. | health and happiness. Saddler will consult medical aid. KRK KKK KKK KK KKK x ' ) DR. E. H. SMITH KEXKHKERK KK KK KK ‘ Keep your cream rolling to Koors and receive as always highest price best service satisfaction. If you are not making use of this excellent mar- ket it will pay you to at least in- vestigate at once. Write them for tags and prices. wizott Ross Anderson had the misfortune of loosing one of his horses last * NORTHERN. ® 4 K KKK KKKKK KKK KK|son W 4 | daughter, Mrs, A. Ward. Pete Bec’ker sawed wood for Otto Elsie Luense was a Bemidji shop- Garnette Hlnes, of Hines, spent the week-end at the home of his slster. Migs Esther Johnson arrived Sat- urday from Shovel Lake, and will visit for some time with her sister- J. H. Locke called on Capt. Wilsey Ralpr . Dickensen called on F. G. C. Fournur called at the A. P, Byron Wentworth visited with rel- THE BEMIDJI DAILY PIONEER THURSDAY EVENING, APRIL 3, 1919 ULD FOLKS TAKE NEW LEASE ON LIFE | RIIINESS AND 1l spend the summer with her Mrs. D. A. Whiting has sold her ck of Rhode Island Reds to Ross w}:’l; her cousin Lila Anderson of Be- midji. . Mr. and Mrs. Roy cnnflghg have This is the situation of hundreds of | ences. Thera are thousands of men an elderly men and women that have had | women in all walks of life who need a mov-ed I",'Ck from Turtle River, where lhur vouth and health restored in such |strength and blood building nerve ton- they have spent a good share of the time. Aged men and women |ie, but do not know what to take. For DOCTORS ---hn have been steadily declining to the | this there is nothing like good oid Iron regret’and dismay of fond relatives and [and Phosphates in the right combina- friends are now hale and hearty, active |tion “Phosphated Iron" to give increas-§ both mentally and physically. ~ Life to|ed strength, snap, vigor and staying them has renewed the joys and pleas~ |power together with freedom from all ant anticipation of youth, where before [nerve troubles. It enriches the blood, it meant the usual steady progress|feeds starved nerves, brings a full down hill, with the decline and useless | healthy color to the cheeks, is an un- burden to__themselves. and - everybody | failing source of renewed vitality, en- around, How they all dread this and )durance and powér for men and women Lo v unnecessary it is. wh&:d?ur:i ur;‘ ‘th%I; ner{vov.:n enorgleg to‘e A lively “old timer” said to our re- |Fapldly in this day of strenuous busi- porier, “I am now seventy years of |ness and social competition. Dg— H. ?h N?,I:THROP pge and my wife sixty-five and we both| Iron and Phosphates have béen steopathic ysician feel that any remedy that will truly |known to Doctors for years as being and Surgeon build up the strength and Increage the %bsomtely necessary to enable your Ibertson ' Block Office Phome 153 power of endurance of people of our |blood to change food to healthy, strong, age should be known to every nervous |live nourishment and make nerves like vun down, man woman and child. Phos- |Iron. Phosphated Iron will do:this for winter. Mr. Cartright has been haul- ing logs. . DR. L. A, WARD Physician and Surgeon Bemidjf, Minn. l People who have poor appe- tite, bad color, indigestion and biliousness are usually. victims of constipation. Cpnstipatiw H phated Iron did the work for both of fyou. Try it today and be a *live one” causes an enormous amount of 'ug. and{\ s zgudke up our m(lngs "91.‘?: lx‘: ?gum‘ :"(;ome bz lg"‘ it can flbe done, DRPSI; Gl!'MOREd& McCANN e N of our ‘friends know abou 'ake e proof is everywhere around you. ysicians and Surgeons sickness. Hollister’s - Rocky| from us we certalnly have spread the Special Notice: To insure doctors and Office: Miles Block gospel of Phosphated Iron through this neighborhood, 80 much so that hardly g‘f&phgfléfl% o Eotuse the Qenuinse T ———— a day goes by without some of our|gyles only, so do not allow dealers to A. V. GARLOCK, M.D. Specialist friends stopping to thank us for putting them wise fo Such'a splendid preparas | 5L YOU Pills or tablets. EY‘—Elr—-Non—Thmt Glu-n chd S Mountain Tea, taken before go- ing to bed, will relieve “your tion”, i City Drug Store and leading drug Our city is full of just such experi-|gists everywhere. Read The Pioneer Want Ads petite, and bring the glow of work better and live happier. DR. E. A.'SHANNON, M.D. P(I)zryr;mu‘n and Surgaon Phone 396 ik MnyRoestl;:lfone 397 . City Drug Store Physician and Surgeon Office Security Bank Bloek DR. EINER JOHNSON Physician and Surgeon Bemidyi, Minn. week, he turned his driving team out ! THORWALD LUNDE for exercise and one of the horses slipped on the ice and crushed its hip, and had to be shot. Mr. and Mrs. Frank Deming and Mrs. Emma Anderson left for Canada last Thursday. Mr. and Mrs. Deming will work-on a farm and Mrs. Ander- with all kinds of Shrubhery Small Fruits and Flower bulbs fresh from Wedge Nursery, Albert Lea, Minn. We will carry a stock of small Shrubery and flower bulbs at A. T. Wheelock’s Grocery. M. H. CURRY Bemidji, Minn. S ————————————— The young lady . Next door . Says That when her Brother Comes home g From service e will Have his Photograph taken [n uniform Before he Puts it away And that Hakkerup Photographs Please her The best. PERFECT PEACE AND CONTENTMENT' When you eat Koors Bread Koors Butter Koors Ice Cream M. H. Curry can supply you D Acute ang o m°:1£ l","’,.."",.,“" with 1st Nat. Bank Bldg- Hours; 10-12 a. m 3 THE BEVERAGE The all-yoar-round soft drink. I.eadershlp,once established, E is strengthened and confirmed £ by its followers and imitators» . Bevo's leadership is proclaimed by the largest rear guard that ever followed aleader. sold everywhere - Families suppliod by grocer, drugddist and dealer,>~~ Visitors are cordially invited to inspect our plant. ANHEUSER- agscn : 'ST.LOUIS. ~Phy 4 2555 W DENTISTS DR. D. L. STANTON ' DENTIET. . - Office in Winter Block INTIST North of Markha; A Gi¥bons Block i Htgvsip, i DR. J. W. DIED| DINTISY RICH Office—O'Leary-B Phones—Ofrice 378-%;“!%;:“‘!’1‘5—!1 DR. J. T. TUOMY | DEB; Stone-Ordean-Wells Company, Wholesale Distributors DULUTH, MINN. 3 e — 8 ‘;%P) RIS g _ VETERINARIANS .. . s . ‘l“ AUCTION SALE'! ‘Wednesday, April 9 At the Chris Hagen farm 3 miles Southeast of Bemidji. ‘ CATTLE 10 milk cows, some high grade 2 young bulls. One bull 6 D. R. BURGESS, D.v.M. VETERINARIAN Office Phone 3-R, 3rd St. & Trving - :n‘\LARNlNGER AR mm Omca and Hasml}l-.? d robpmnns. Phon 3rd St, ana n-vina= zrvc; 8” 3‘\\% | oo BUSINESS D TOM SMART ray and Tramste; Res. Ph [ e il 8188 Amerl“alce Phone 13 08, Organs, Sewin, ~ ] . 14 anesotn Ave., Bemxd:x 'hone 573-W 1‘mx»:usxcm. msmuusu'rs | NORTHERN MINN, AGENCY I Jersey and Guernsey. weeks old. Pwiet 2. s 1 bull, two, years old, high ) om I Anyfh,gfinme grade Guernsey 1 heifer, 15 months old. 2icon Security Bauk Bidg, Te. 167 ALL HIGH GRADE CATTLE HORSES Team of Horses. One 16 year old and the other 11 years old. Some chickens. FARM IMPLEMENTS Groceries, Dr‘ Good.. Shoes, Flour ' Bemias 7 & SCHROEDEK Phone 65 | GENERAL MERCHANDISE | ENTERPRISE AUTO (0. Auto Livery and Taxi Service Day and Night Service One heavy wagon. 3 sleighs, plow, harrows. 053’1:; si“;"s’:u Hot_elA Cor. f . n rami Ave. One one-horse wagon OneRag{{OGhn Deere Mower and Office Phone 1 > - Residence Phone 10 One spring wagon. One one-horse cultivator. i1 WM. M’CUAIG Manager HUFFMAN & O'LEARY FURNITURE AND UNDERTAKING H. N, M’KEE, Funeral Director Some household furniture and other things too numerous to mention. e e Sale Starts at 10:00 ©’Clock. Free Lunch at Noon W—_— TERMS: Cash or bankable paper, at 8 per cent until Nov. 1, 1919, on item! g over $10. All items under $10, cash. Settlement to be made at the sale. CHRIS HAGEN, Owner AUG. JARCHOW, Auctioneer ' &’ J. L. ELWELL, Clerk PHONE 178-W or R