The Bismarck Tribune Newspaper, May 26, 1933, Page 3

How Farmer May Obt _ BACH MAY BORROW UP TO $5,000 FOR EMERGENCY PLANS No Payments on Principle Must Be Made Until End of Three-Year Period CORPORATIONS INELIGIBLE! North Dakota Farmers Must Obtain Advances From St. Paul District Agent Steps farmers must take to obtain federal loans for refinancing their farms are explained in detail in the accompanying article. All farmers except corporations are eligible to borrow up to $5,000 each for refinancing for w capital and for redemption or re- purchase of property owned by them before foreclosure, if the foreclosure occurred after July 1, 1931. No payments on the principal of the debt will be required for the first three years, but regular payments on the principal must be made at the end of the three-year period. abi ‘y Congress, proved 12, has authorized the Reconstruction corporation to make available to the federal farm loan commissioner up to $200,000,000 for this purpose. Loans in North Dakote will be made by the district agent of the farm loan commissioner at St. Paul. His district includes North Dakota, Michigan, Minnesota and Wisconsin. He will Sieg application blanks upon re- quest. The steps for obtaining loans, pro- viding appraisal and security and paying them off are described in the following The Farm Loan Commissioner has appointed twelve ‘agents | through ‘whom he will make loans under the <Act of Congress approved May 12, 1933, The location of the the north- ates in which through him are: . PAUL, MINN.—Michigan, Min- nesota, North Dakota and Wisconsin. Mail to an agent of the Farm Loai Commissioner should be addressed as follows: “Agent of Farm Loan Commission- er, St. Paul, Minnesota.” Loans to Farmers by Commissioner Under Part 3 of the Emergency Farm Mortgage Act of 1933 approved May 12th, 1933, the Reconstruction Finance Corporation is authorized and 7 directed to allocate and make avall- able to the Farm Loan Commissioner the sum of $200,000,000, or so much thereof as may ‘be ‘necessary, to be used for the purpose of making loans under certain conditions to farmers Secured by a first or second mort- Gage upon real and personal farm Property. It is expected that gener- ally these loans will be made on Second mortgages on farm real estate supplemented by mortgages on farm livestock and other personal prop- erty. Agents of Farm Loan Commissioner ‘he Farm Loan Commissioner has eppointed an agent in each of the 12 federal land bank districts. The Farm Loan Commissioner makes loans through these agents to farmers di- rectly, Loans are. made upon an amortization plan of payment and are secured by first or second mortgages upon the whole or any part of the farm property, real or personal, in- cluding crops, of the farmer borrow- ers. Applicants will be required to pay fees to cover the cost of appraisal, @etermination of title and recording. Application for a loan should be made to the agent of the farm loan commissioner in the district in which the property offered as security is located. Application blanks may be obtained by writing to the agent. Eligibility of Borrower ‘As used in the act the term “farm- er” means any individual who is en- Saged.in farming operations, either ersonally or through an agent or enant or the principal part of whose income is derived from farming op ations, and includes a personal repre- sentative of a deceased farmer. Cor- orations are not eligible for these loans by the Farm Loan Commis- sioner. Purpose of Loans A prospective borrower must state in his application how he intends to use the proceeds of the loan. If the application is granted, he must use the money for the purposes stated in his application. The act defines the Purposes for which a loan may be made. These are (a) to provide funds for refinancing, either in connection with proceedings under Chapter 8 of the Bankruptcy Act of July 1, 1898, as amended (relating to agricultural compositions and extensions), otherwise, any indebtedn ecured or unsecured, of the far: (b) to provide working capital for farm op- erations; and (c) to provide funds to enable any farmer to redeem and/or repurchase farm property owned by him prior to foreclosure which has been foreclosed at any time subse- quent to July 1, 1931. In many in- stances the farmers who are eligible for a loan from the Farm Loan Com- missioner may find that their creditors ‘will be willing to accept compromise Settlements. Security ‘sane ane When joans by the Farm Loan Commissioner are to be secured by juirements for Second Second mortgages upon farm real|the ni estate, the Commissioner will require the holder of the first mortgage to limit his right to proceed against the farmer and the mortgaged property @epending upon the aggregate amount ©f the first and second mortgages. ‘Where the aggregate of an existing first mortgage on the applicant's property and the amount of a second mortgage requested of the Farm Loan Commissioner does not exceed $5,000, Joans will be made by the Commis- sioner only in case the holder of the first mortgage agrees that during a period of three years he will not pro- feed against the mortgagor and/or the mortgaged property for a default in the payment of principal unless in the meantime the Commissioner con- sents in writing to such proceeding. ‘When the aggregate of such first and Second mortgages exceeds $5,000, loans will be made by the Commissioner the first mortgagee agrees that during a period of five years he will not proceed against the Zortgagor and/or the mortgaged Property on account of default in the Payment of principal or interest, or under any other terms of the first mort r the credit instrument cured the unless in the meantime the Commissioner. consents in writing to such proceeding. How Much May Be Borrowed The act places a limit of $5,000 on the amount that may be loaned to any one farmer by the Farm Loan Commissioner. Under the law, the smount of the mortgage to the Farm Loan Commissioner, together with all prior mortgages oF other prior, evi- ences of indebtedness secured by such farm property, may not exceed 75 per centum of the appraised value thereof, Appraisals The appraisal of the property of- fered as security is an important step in the process of making a loan. After application is received by the “gent of the Commissioner in proper form and from a preliminary co sideration of the information con-) tained therein it appears that a2] applicant and the security offered are eligible, the application will be as- signed to an appraiser who will make | an appraisal of the security. If t report. of the appraiser is faverahl the agent, considers the application | and the report of the appraiser eM (ya ‘| curity mu advises the applicant or rejection of t! Agricultural Vali Power ‘The basis of appraisal of security in all cases is the normal value of the security for agricultural purposes and its earning power for such purposes is_a principal factor. In order to arrive at an estimate of the value of the security many things it be kept in mind by the appri must be ascertained what crops ticular farm offered as security is capable of producing, as well as the average yields and prices over a series of years. Consideration must be given, among other things, to the number of acres of good crop land, the num- ber in pasture, and the number in orchard, timber or wast acter and condition of the soil; rain- fall; drainage; possibility of overflow; susceptibility to erosion; the carrying capacity of the pastur alence of insect pests and plant disease, Operating costs must be as- certa! as closely as possible as well as the amount of taxes assessed Sian the security. The amount and kind of livestock that can be carried by the farm and the probable sales from that source must be determined, in addition to the value of other chat- tels. Consideration must also be given to the accessibility to markets, trans- portation facilities and the avallabli- ity and cost of hired help. interest Rate on Loans Under the law the Farm Loan Com- missioner may charge borrowers an interest rate not to exceed 5 per centum per annum. Repayment of the Loan Payments on the loans may. be made annually or semi-annually. The law Provides that during the first three years the loans are in eff Trower will not be required to make Payments on the principal if he is not otherwise in default with respect to any other condition or covenant of his mortgage. At the expiration of this three-year period, payments on principal equal in amount must be made with each annual or semi-an- nual interest payment which will ex- ated the debt within an agreed Period. In the case of first or second mortgage loans secured wholly by real property and made for the pur- pose of reducing and refinancing an. existing mortgage, the agreed period within which the loan must be wholly repaid may be no greater than that for which loans may be made under the Federal Farm Loan Act, as amend- ed, or a maximum of 40 ye: It is anticipated that tables will be used which will spread the term of p: ments over a period of 8, 13, 23 or 33 years. The amortization tables proper would begin with the fourth year and provide for a plan of repayment whereby the principal portion of each installment is constant. The amount of each installment will be this fixed sum to be applied on the principal, plus interest on the unpaid principal. No part of the principal would mature the first three years. Prepaym it_of the approval application. Earning ent Privilege A borrower may at any time make additional payments on the principal or pay off the loan in full. The un- paid principal of the loan may also be reduced at any time after the loan is closed by payment to the agent of the proceeds of sales of land, rights of way, timber or other property covered’ by the mortgage (s). The agent’s consent to the release from the mortgage of any part of the se- be obtained in advance. Quotations From Law Re: Purchase, reduction and refi- nancing of farm mortgages. Section 13 (Second) of the Federal Farm Loan Act, as amended, by the Emergency Farm Mortgage Act of 1933, reads as follows: “To invest such funds as may be in its possession in the pur- chase of qualified first mortgages on farm lands situated within the federal land bank district within which it is organized or for which it is acting. In order to reduce and/or refinance farm mortgages, to invest such funds as may be in its possession in the purchase of first mortgages on farm lands situated within the federal land bank district within which it is organized or for which it is act- ing, or to exchange farm-loan bongs for any duly recorded first mortgages on farm lands executed prior to the date this paragraph, as amended, takes effect, at a price which shall not exceed in each individual case the amount of the unpaid principal of the mortgage on the date of such purchase or exchange, or 50 per centum of the normal value of the land mortgage and 20 per centum of the value of the permanent in- sured improvements thereon as determined upon an_ appraisal made pursuant to this Act, which ever is the smaller; Provided, That any mortgagor whose mort- Fase is acquired by a Federal land bank under this Paragraph shall be entitled to have his farm- mortgage indebtedness refinanced in accordance with the provisions of sections 7 and 8 of this Act on the basis of the amount paid by the bank for his mortgage.” The provisions of the first of section 13 (Second), as authorizing land banks to invest their funds in the purchase of qualified first mortgages on farm lands within the federal land bank district are in- terpreted to relate to mortgages made pursuant to the provisions of the ‘ederal Farm Loan Act which would include loans made by joint stock land banks. The provisions of the second sentence of paragraph “Second” of section 13, as amended, authorize federal land banks to purchase or to exchange farm loan bonds for duly recorded first mortgages. on farm lands, situated within their respective districts, executed prior to May 12, 1933. Although a strict construction of the provisions of the sentence just referred to would not prohibit ‘the banks from purchasing duly recorded first mortgages executed subsequent- ly to aany 12, 1933, nevertheless, it is clearly the intention of the sentence that ‘the powers therein granted should be exercised for the purpose of reducing and/or refinancing farm mortgage indebtedness existing prior to the passage of the Act. The following procedure should be observed in the purchase or the ex- change of farm loan bonds for first mortgages: 1. hen a holder desires to sell first mortgages on farm lands situ- ated within @ federal land bank dis- trict, he should notify the federal land bank in writing and furnish it with he name and address of the mort- gagor named in each mortgage or of the owner of the mortgaged propert: in the event it has been transferred, the unpaid balance of each mortgage anda brief description of the land sufficient to fix its location including the state, county, and township. 2. The Federai land bank will then furnish such holder with respect to each such mortgage, a form of ap- plication with the name of the bor- rower and the name of the interested national farm loan association type- written thereon, together with advice as to the initial charges, including the initial charges, if any, to be made by the interested national farm loan association. If there is more than one association qualified to accept applications in the territory in which the Property is located, a list of the qualified ‘associations should be fur- nished in order that the applicant may select the association through which his loan may be made. An application for a direct loan with the borrower's in thereon end with Spero riate instructions will be f nished in the event the morte Premises are situated in a local! fig which the federal land bank is author- ized to make direct loans. The holder of the mortgage should be required to state that if the loan is purchased by the bank he will not receive directly or indirectly a second mortgage or other consideration from the owner of the mortgaged premises as an incident to the sale of the loan to the bank. The federal land bank will also ad- vise the holder that there should be submitted to it the following: (a) The application of the borrower properly executed; ) Funds to cover the init! charges; includes charges to made by the interested nation farm loan association in con. nection with the making of the loan, if the loan is to be made through an association (any un- used portion, of such funds will be returned by the bank; and/or the association); A statement as to whether the cost of the stock required to be subscribed by the mortgagor in connection with the loan will he paid in cash or included in the amount of the lo; atement of the ui (e) an: inpaid bal- ance of the loan, delinquent in- stallments, insurance or any other delinquencies verified by the owner of the mortgaged premises. A statement of the holder of the mortgage showing the date and the amount of the original loan, the dates and amounts of the payments received on ac- count thereof; and whether the holder is the sole owner, or not giving the names and ad- dresses of any other person, firm or corporation holding an interest therein with a descrip- tion of the exact nature of such interest. - A statement of the amount for which he is willing to sell the loan and whether he will accept consolidated federal land bank bonds therefor. 3. Upon receipt of the foregoing, + the federal land bank will consider the application and unless the cir- cumstances are such that it appears {inadvisable to do so, will refer the application to a land bank appraiser in the usual manner. 4. Upon receipt of the appraiser's report, the federal land bank will consider the same and determine the maximum amount it is willing to BEY, for the mortgage covering the land appraised; the purchase price in no case to exceed the amount of the unpaid principal of the mortgage pur- chased, on the date of purchase, or 50 per centum of the normal value of the land mortgaged and 20 per centum of the value of permanent, insur- able improvements thereon, as deter- mined by appraisal, whi smaller. 5. If the application of the borrow- er is for a direct loan, the bank will then notify the holder of the mort- Gage in writing whether it will offer to purchase such mortgage, and if s0, the amount at which it offers to pur- chase. The offer should be subject to subscription by the owner to cap- {tal stock in the federal land bank, in accordance with the provisions of, the Federal Farm Loan Act, as amend- ed; subject to the opinion of counsel ichever is the for the federal land bank as to whether the loan applied for will be qualified as collateral security for farm loan bonds; and subject to pay- ment to the Federal land bank of the fees and charges required under the regulations with reference to direct loans by federal land banks. 6. If the application is for a loan through @ national farm loan associa- tion, the bank will send the applica- tion to the interested association with @ letter to the effect that the bank would be willing to consider making a loan not in excess of a certain max- imum amount determined by the bank. . The association may then either approve the loan for the maximum amount as determined by the bank, or for a lesser amount; or reject the application, indicating its action upon the application as in the case of any other loan made through such asso- ciation, and return the application to the bank. 8 The bank will then notify the holder in writing of the action of the association and if favorable the amount at which the bank offers to Purchase in the manner outlined above and whether payment will be made in bonds or cash. The offer should be subject to the opinion of counsel for the Federal land bank as to whether the loan applied for will be qualified as collateral security for farm loan bonds under the provisions of the Federal Farm Loan Act and subject to payment of any further fees and charges. Unless any unpaid items of cost and the stock required to be subscribed by the owner of the mortgaged premises in connection with the loan are to be pad in cash, it will be necessary to take these into consideration in fixing the pur- chase price of which the holder will be notified, so that the purchase price plus’ such items of cost and the amount of the stock will in the aggregate not exceed 50% of the appraised value of the land plus 20% of the appraised value of the per- manent, insured improvements. 9. In the event the offer is ac- cepted, the federal land bank will then call upon the holder to furnish such abstracts, title reports, appraisal reports, original notes and mortgages or other paper or documents which may be necessary or desirable in con- nection with the closing of the loan federal land bank. 10. Upon the acceptance of the of- fer as outlined in “os” or “8” above, the purchase price may be disbursed to the holder upon delivery of proper assignment of the mortgages and the credit instruments secured thereby, unless for any reason counsel for the federal land bank {s not satisfied that such procedure would give the bank good title to the mortgages or credit instruments in question. In such cases it may be necessary to re- tain the proceeds until such time as they may be used to discharge the existing mortgage of record, or such other steps may be taken as may be necessary to perfect the bank's title. 11. All assignments of the mort- gages and credit instruments secured thereby acquired, by a federal land bank by purchase or exchange should be without recourse to the holder, and should be in accordance with’ the law of the state in which the prop- erty is situated. 12. Any purchase of a first mort- age by a federal land bank from a int stock land bank should be duly jn the usual manner employed by the | i ASSERTS EASEMENTS ARE NEEDED BERORE DAMS CAN BE BUILT Five-Point Resume of Needed Qualifications Prepared By Engineer Easements must be obtained for all lands adjacent to bodies of water in- volved in proposals for dam sites in North Dakota, state engineer R. E Kennedy announced Friday, Kennedy made public a five-point resume of tentative qualifications for community dams being submitted to the federal government for approval. Approximately 250 proposed sites for dams are under consideration by Kennedy's department. Delegations from Gladstone, Regent, Ashley and Walhalla appeared before Governor Langer and the state engineer Thurs- day with personal requests for a con- sideration of their dam sites. ‘The delegations were advised by the state engineer that easements must be obtained for all lands involved. He said that requests for dam con- struction by mail are just as effec- tive as in person, since the necessary information is merely the location by section, township and range. Kennedy explained that no priority would be given in point of time, but that all would be considered when the federal officials make an inspec- tion. No arrangements for inspection have been made yet, however. Lists Requirements ‘The tentative qualifications: 1, Easements must be obtained @ratis to the state for all lands ad- Jacent to the body of water involved. If the water is retained within the stream channel the lands affected will be from a point in the stream bed level with the crest of the dam down to the dam and about 500 feet below. Forms have been prepared by the attorney general's office and may be obtained from the state engineer's department. These, however, have not been approved by the federal au- thorities. 2. Means must be provided for free and unrestricted ingress and egress by the public to the recreational site cre- ated by this construction. 3. An area of at least three acres must be provided for this recreational site for parking purposes and for the planting of trees, if none exist or more can be planted. 4. There must be a population of at least-200 people within a five-mile radius of the recreational site but dam upon the same stream may be closer together. 5. A maximum cost is tentativeyl set at $5,000 at contract unit prices. ANNOUNCE SINGERS - MUSICALE PROGRAM More Than Dozen Young Mem- bers of Guild Will Be ‘Presented Tonight More than a dozen junior members of the Singers Guild will present their graduation musicale at the city audi- torium Friday night, beginning at 8 O'colck, The singers will be presented in solo and group numbers, assisted by in- strumental soloists from various local studios and classes, according to Miss Maude A. Tollefsen, director of the group. ‘The program follows: Allah .. +++++, Grant-Schaeffer approved by the boards of directors of the selling and purchasing banks, elther before or after the purchase is consummated. In the event a bor- rower from a joint stock land bank refuses to make such an application for a loan through a national farm Joan association or for a direct loan in the event the mortgaged premises are situated in a locality in which the federal land bank is authorized to make direct loans, a qualified first mortgage may nevertheless, be pur- chased by the federal land bank under the provisions of the first sentence of section 13 (2), at an amount not exceeding the amount of the unpaid principal on the date of purchase or 0 per centum of the value of the land mortgaged and 20 per centum of the value of the permanent, insurable improvements thereon, as determined by appraisal, whichever ts the small- er. In such case, however, the bor- rower, having refused to comply with the provisions of sections 7 and 8 of the Farm Loan Act, will not be en- titled to any deduction of the amourts payable by the terms of his mortgage. Extremists Lose in Presbyterian Vote Columbus, O., May 26.—(?)—Ex- treme fundamentalists of the Presby- terian church in the U. 8. A., de-; feated in their efforts to choose a moderator, Friday went ahead with plans to carry on their fight against what they called “modernist tenden- cies.” Dr. John McDowell of New York, who said he regarded both extreme! fundamentalists and extreme modern- ists as “trouble makers,” was over- whelmingly elected moderator at the church’s 145th general assembly Thursday. The new moderator called on the lerance. The problem facing the church,” he said, “4s not in the realm of mechanics, but in the realm of dynamics; not one of methods, but of motives; not one of programs, but of consecrated per- sonality.” Then he referred to the deficits in the treasury of the four benevolence boards—national missions, christian education, pensions and foreign mis- sions, and urged that “this problem command the thoughtful and prayer- ful attention of every commissioner in this assembly.” The boards show- ed a total deficit last year of $1,- 056,005. i DELEGATES SELECTED Devils’ Lake, N. D., May 26.—(#)— Matt T. Ehlen and Alfred Haugner were selected as Ramsey county dele-} gates to the first meeting of the state | young Democrats steering committec 2 be held at Bismarck Monday. Ay, Ay, Ay (Creole Song). Gui juni Miss Tollefsen, director It’s Raining ....... Beatrice Vater The Sweet O’ the Year. Bernice Ulmer ‘The Nomad .. . ..-Hamblen Ric! fer Rockabye ............. Sadero-Taylor Edith Guthrie, Ruth Christianson, Vivian Coghlan, Emily Belk, Ber- nice Ulmer, Donna Jean Davis Air Varie (Theme from Donizetti)... ar in Kennedy God be in my Head. Old English Vivian Coghlan, Emily Belk, Ber- nard Flaherty, George Shafer, Jr. Stars With Golden Feet ........... -. Graven-Hoffman jean Davis Kerry Dance ...............+5 Molloy Bernard Flaherty Etude Op. 36 No, 13—......—Arencky Jane Smith sees Ball George Shafer, Jr. Last Night the Nightingale... .Kjerulf Emily Belk Berceuse (Jocelyn) Ruth Christianson Violin obligato, Miss Tollefsen di ... Schutt Mary Louise Nuesslt One Fine Day (Mme Butterfly)... cereeecers ondnabsanstensacs Puccini Vivian Coghlan I Hear a Thrush at Eve......Cadman Walter Ulmer” I Tremble, I Fear (Pearl Fishers) si .. Bizet Edith Guthrie Accompanists: Vivian Coghlan, Donna Jean Davis, Ruth Saxvik. Ouster Is Sustained In Minnesota Court St. Paul, May 26.—(#)—The Min- nesota supreme court Friday held that Attorney General Harry H. Peterson had the power to oust Helmer M. Feroe, appointee of a former Repub- lican attorney general, from office as an assistant and a member of the state rural credit board and to ap- Point Joseph A. Poirier in his place. aoe attempted to retain the of- ice. Poirier gained access to it by chang- ing locks on the door one night and placing guards at the doors after Feroe had refused to give it up. Feroe contended the appointment was for a life term unless removed subject to written cause and a hear- ing. Peterson claimed the assistant could be removed at any time. Poppy Chairman | ee MRS. JAMES MORRIS Mrs. James Morris, Jamestown, na- tional poppy chairman for the Am- erican Legion Auxillary, will speak on the poppy sale over the local radio station at 7:30 o'clock Friday evening. a NAZIS REJECT BISHOP Berlin, May 26—()—The Nazis Friday rejected the Rev. Friedrich von Bodelschwingh, noted social directo: who had been nominated as the First Evangelical bishop of the reich. They insisted on the Rev, Ludwig Mueller, chosen by the German Christians (Nazi) group. PLAN RAILROAD DEAL Tokyo, May 26.—(?)}—It was offic- jally indicated Friday that Japan shortly will invite Soviet Russia to designate an envoy to carry on nego- tiations with Tokyo for the sale of the Chinese-Eastern railway to Man- chukuo. BRITISH STAND ON DISARMAMENT GIVEN BY SIR JOHN SIMON Foreign Secretary Hails New American Policy As Im- portant Step London, May 26.—(?)—The new American policy of cooperation with other nations to avert any threat of war was hailed as an important step Friday by Sir John Simon, the for- eign secretary, and Sir Austen Cham- berlain, one of his predecessors in that Post. Sir John, speaking in the house of commons, asserted the new American doctrine, as explained by Norman H. Davis, American ambassador-at-large, at the Geneva disarmament confer- ence, amounted to abandonment of the idea “of standing with folded arms as a mere spectator from afar of struggles between two other states, one of which was in the wrong.” Sir Austen Chamberlain said no more important declaration had been made by any government than the Davis declaration. ‘The foreign secretary informed the house that Britain intends to assume no continental obligations. He enunciated a five-point British disarmament policy: 1, Cordial response to President Roosevelt's peace message. 2, Because of immense arms reduc- tions already made, Britain cannot go further without a general agree- ment. 3. .Britain recognizes the validity of the concern which lies behind de- mands of certain states for security. 4, Britain is ready, with the United States, to join in world consultation to promote security. 5. Britain considers restoration of confidence and elimination of rivalry and suspicion to be a necessary condi- tion for effective disarmament. Last Times Tonight KING Mat. 25c - of the a Capitol KONG - - Eve. 35c He Knew Only the Law of the Desert— To Take What He Wanted! Hear Novarro sing “Love Songs Nile.” Thrill to his fiery love-making in this Caravan of Romance! Sat. and Mon. May 27-29 Daily 2:30 - 7:15 - 9 Adults 25c Theatre De r chillin g EXTRACT } drop of it does the work of of the ordinary kind. Schilling contains 3 times the amount of lemon oil required by the U.S.Gov't. standard. Thats why it goes further —. imparts a richer flavor. COFFEE: TEA-BAKING POWDER - SPICES oovceveveeeceeeeecegegeeceeeeee ee ue a ee Means and Pal Are Given Jail Terms Washington, May 26.—(4)—Gaston B. Means and Norman T. Whitaker were sentenced Friday to serve jail sentences of two years each for con- spiracy to defraud Mrs. Evelyn Walsh | McLean of $35,000 in a Lindbergh baby hoax. Sentence was imposed by Justice Daniel W. O'Donoghue in the District of Columbia supreme court. They were recently convicted after a sensa- tional trial during which Chares A. Lindbergh took the stand. Means, a former department of justice agent, already is serving 15 years for de- frauding Mrs. McLean, estranged wife of Edward B. McLean, former pub- lisher of the Washington Post, of $104,000. This was accomplished, the govern- ment contended, on false representa- tions that he could locate the kid- naped Lindbergh child and turn it lover to her, The baby later was found |murdered, Bronze is an alloy of copper and |tin, but sometimes other elements |Such as zinc and phosphorus are in- j cluded. Tecumseh was made a brigadier- general in the British army in the war of 1812. (OCEAN GOING GERMANY WMS (OCEAN GOING SPAIN WMB33——YAN-APRING) 1:1000 TONS (o} (fT MIGHT HAVE BEEN A DIFFERENT STORY IF HE HAD NOT KNOWN JUST WHAT TO DO FOR A SPLITTING HEADACHE Twenty-minutes ago, a raging headache. Two tablets o' Bayer Aspirin, and complete relief. That’s service! That's what you can count on when you see the Bayer cross on aspirin tablets. The way they are made gives them speed. Quick to dissolve means quick to relieve. You cannot get the same results from a slower tablet. Time a Bayer Aspirin tablet in a glass of water; in your stomach; in the time it takes to feel the actual relief. And don’t hesitate to use Bayer Aspirin because of this epeedy action. You could take it it does not depress the heat Insure your comfort—in and out of business hours—by carrying Bayer Aspirin in the convenient pocket tin. MAKE THIS MODEL AT HOME er SELECT SHEER FABRICS FOR SUMMER PATTERN 2578 by Otnac Oblong You'll want this charming frock made of an exhilarating Summer sheer ... they're ace high in vogue now! It will be a success wherever you wear it... luncheon, bridge, matinee or tea. And truly, the most captivating details we've seen in ages! Interest centers on the bodice to keep the silhouette wide at the top. The small sketch shows the sleeves omitted. Pattern 2578 may be ordered only in sizes 14, 16, 17, 20, 32, 34, 36, 38 and 40. Size 16 requires 3% yards 39 inch fabric. Illustrated step-by- step sewing instructions included with this pattern. Send FIFTEEN CENTS (15c) in coins or stamps (coins preferred) for this Anne Adams pattern. Write plainly your name, address and style number. BE SURE TO STATE SIZE WANTED. THE NEW SUMMER EDITION OF THE ANNE ADAMS PATTERN BOOK IS READY. Afternoon, sports, golf, tennis dresses, jumpers, house frocks, special beginners’ patterns, styles for juniors, and cool clothes for youngsters, and instructions for making @ chic sweater are among the fascinating items. SEND FOR YOUR COPY. PRICE OF CATALOG FIF- TEEN CENTS. CATALOG AND PATTERN TOGETHER TWENTY- FIVE CENTS. Address all mail orders to The Bis- marck Tribune Pattern Department, 243 West 17th Street, New York City. Is Assured With The Bismarck Tribune JOB PRINTING Our equipment, best mate- ‘ PN > rials, great care and atten- tion, and the rigid tests to which all work is subjected, makes every job we do satis- factory. It has to be. Cg} on Us for Pstimates Phone 32