The Butler Weekly Times Newspaper, February 22, 1912, Page 2

een SAS AT OF Directors, You will find them men life, not through speculation alone. management. Wn. Seelinger 1, E. Thompson T. W. Legg M. A. Carroll J. W. Eggleson J. R. Simpson The men behind “The Bank on People BANKING DEPARTMENT PROHIBITS OVERDRAFTS. | Local Institutions Will Comply With State Regulations. | Since it is our business to be of! value to this neighborhood and to every one in it that wants to make | use of our services, we are glad to extend every courtesy to our patrons, that we can. It is a pleasure to ac- commodate those who need help, and, in the long run, it helps us to do so, so long as we do not have to go out- side the limits of good banking. There is one kind of accommodation, however, which we do not believe our patrons ought to ask us to grant. Once in a while a depositor whose bank account is low will write a check | on the bank for more money than he has in it. He may not know that the check is too large, or he may. intend to deposit more money before the check is presented,and then fail to do so. But whether he acts through carelesness or not, it puts the bank in an unpleasant position, The bank does not like to refuse to pay a small “overdraft’’ as this is called, but it is decidedly not good business to do so, and may cause a loss, even if the de-! positor has the best intentions in the world. And so we should like to ask all our customers to keep the amount of their bank accounts in mind, and not to write any eheck for a sum larger than their balance. We will be glad to balance pass books every month, so that everyone can tell just how much he has at any time. Overdrafts are only an indication of a loose way of handling business affairs, and the good business man seldom or never allows himself to make them. _ It is even more to your interest than to avoid them, as the habit of careless- | ness which they help to form is sure to affect you in all your other activi- | said, is an encouragment for a man ito take a wife, and, as his earning+ ties. By the Men Behind it We invite attention to the personnel of our board of It is a sufficient guarantee of prudent, conservative | “Give the Peoples Bank at least a part of your business in 1912." Butler, Missouri | who have made successes in | , but by thrift and industry i | | Directors of the Peoples Bank | J. R. Jenkins Alva Deerwester A. Lindsay Chas. Radford W. A. Simpson - ‘sirable in quality on the richest heav- | R. F. Harper | R. A. Piggott | B. P. Powell } J. M. Christy E.E. Morilla enton Which you can Always Bank” | Wesley i Ss B a n k ‘are well up, they may be broken off | close to the sweet potato, each con- | {taining a few roots near the base, and | | planted out. If desirable, these draws debt. The best plan, of couse, is to} keep your account so large all the time that there will be no danger of its being wiped out. But if this is impossible, the next best thing is to take care that it does not get past the zero mark. The above article is prompted by a letter received by the undersigned banks from the State Banking De- partment, notifying them that the courts have held it illegal for the banks to allow customers to overdraw their accounts. 18-1t. Mo. State Bank, Peoples Bank, Farmers Bank. Are Ever at War. There are two things _everlastingly at war, joy and piles. But Bucklen’s Arnica Salve will banish piles in any ‘orm. It soon subdues the itching, ; irritation, inflamation or swelling. It gives comfort, invites joy. Greatest healer of burns, boils, ulcers, cuts bruises, eczema, scalds, pimples, skin eruptions. Only* 25cts at F. T. Clay’s. Premiums for New Babies. | Des Moines, Ia., Feb. 18.—To en-| courage an increast in the population of Iowa, a premium on babies is pro- posed by J. H. McConologue ‘of Ma-' son City, member of the State Tax | Commission. In a new Income-tax measure he has drafted for the con-| sideration of the next legislature it is} proposed to relieve a man of taxation | on $200 for every child he has. The proposed law provides an in- come tax on all incomes over $1,000) with relief from taxation on $200 for | every child under 18 years in the family. While a man alone must pay a tax} on an income of $1,000 and over if he} has a wife, the amount from which he is exempted from taxation is advanced to $1,500. In short, the bill, it is When your bank account is once, started, it pays to know to a dollar; how much it amounts to. You then | know just how far you can go in your expenditures without running into! capacity increases, to rear a family. It is hoped this encouragment will check the decrease in the population of the State, as shown in the last cen- sus reports. | 1 pint... A Large Purchase Kreso Dip No. 1 The best for killing chicken lice and mites, hog lice and also for preventing diseases of horses, cattle, sheep, hogs, etc., enables us to quote prices as follows: 1 quart...... ae .30 Ygallon......... 55 lgallon.......... 1.00 5 gallons, per gal. .90 \1e Remember when you use Kreso Dip you are not experi- menting. Kreso is known to be the best and most reliable dip made. Then why experiment when you can get the original Kreso at such low prices? 4 FAIR YIELD MAY BE EXPECTED ON ANY FARM LAND. By Dr. J. C. Whitten, Professor of Horticulture, University of Missouri. While the sweet potato reaches its best yields toward the South, still it may be expected to give profitable crops in Missouri. A fair yield may be expected on almost any farm land. ‘Some of our richer bottom lands are | not so well suited to its profitable de- velopment as are the uplands of mod- erate fertility. The plants make excessive vine growth, and the potatoes are less de- jest soils, A loose light soil tending toward sandiness is preferable, At least a fair yield may be had, how- ever, on almost any well drained land that will grow an ordinary corn crop. Among the varieties most usually planted are the Nansemond, Jersey, Cuban Queen, and Vineless. Sweet potatoes are propagated by ans of sprouts or draws produced n hotbeds from sweet potato tubers. he hotbed should be made in early spring, and the sweet potatoes im- bedded, lying close together in a lay- er, and covered with two or three inches of soil, As soon as the sprouts may be made into cuttings, and a ser number of plants thus secured. ihe cuttings are made long enough to contain three buds: one bud should |} be at the base of each cutting, and two above. rooted by inserting They may be set in sand, in the out- side soil, or in the hotbed. Cuttings should be set deep enough so that the upper bud will be above the soil. Roots will quickly be produced below, especially in the vicinity of the buds below ground. The ground should be plowed to a good depth and thoroughly pulverized by harrowing and dragging. The aim should be to give level culture. If possible the time for setting out the plants should be when the soil is fairly moist, but not wet enough to be tticky. Plants should be set two feet | :part in rows four feet apart. Many rowers set by turning the furrow vith the turning plow; dropping the | plants in the furrow and covering with the loose soil which was turned put. Other growers simply mark the rows with a marker and set the plants with a spade, The spade may be in- serted in the soil and pushed for- ward, leaving the space for the plant and its roots behind the spade. The second person inserts the plants be- hind the spade to a good depth, and when the spade is withdrawn, the soil is pressed firmly back against the plant with the foot. a ¢ Frequent and thorough cultivataion should be given. On very wet land, t may be desirable to grow the plants ‘n ridges. Level cultivation, however, preferable on most soils. Cultiva- tion may continue until the vines sover the ground. In the later culti- vations, growing vines will be dragged lengthwise of the rows. A little later they will branch laterally and will cover all the space between the rows and keep down weeds. The question is frequenty asked whether it is best to pinch off the ends of the vines to induce tuber for- mation. With the same question in mind, some growers advise coiling the vines around the hills so they will make length growth less rapidly. These methods of checking length growth probably do not pay under average conditions. It is usually best to allow the plants to make their own natural growth. The potatoes should be dug just be- fore frost. If a frost accidentally catches the vines, digging should be Sweet potatoes are among the most difficult of root crops to store suc- cessfully. The most important fac- tors ‘to secure storage are to never bruise the sweet potatoes; to keep them dry; to prevent extremes of heat or cold. Since bruises induce rot, the sweet potato should be han- |@led with great care in harvesting. They should be allowed to dry thor- oughly after digging. For that rea- |son, it is well to dig in the forenoon of a sunny day and pick them up in ‘the afternoon after their surfaces have dried. If the weather is very wet, so it is difficult to dry in the field, it becomes desirable, if possible, to spread them out under shelter be- fore storing. - Sweet potatoes may be stored by pitting them in the field, or in spe- cially constructed potato houses or storage rooms. Storage houses or storage cellars should be well ven- tilated. Sweet potatoes should be put in bushel crates and stored in ricks with inch spaces between the crates to keep the potatoesh ventilated and dried out. One inch strips of board may be placed on each tier of crates to give ventilating space between the tiers. In puitting in the field, a dry location should be selected, to avoid surface water. Potatoes may be piled in a conical heap or in a long rick. The heap or rick shotld not be more than four feet wide on the ground and two feet high. Potatoes may be then covered with straw, and just enough soil added from time to time to keep United Drug Company them from frosting. Ample ventila- tion should be left at the top of the pile, however, for all steam and heat to escape, and to prevent sweating or i heating of the potatoes. . These cuttings may be || them an inch |j apart in rows 6 or 6 inches apart. |§ | J. ispersion Sale Perchero (Registered) _ AT BUTLER, MISSOURI (McMullen’s Sale Pavillion) Thursday, March 7, The New Modern Woodmen Rates. At the Head Camp recently held at Chicago two general plans of rate re- vision were submitted and these plans were adopted. First: Whole Life Insurance rates under this plan being determined by the age of each member Jan. 1, 1913, which rate, in the case of every mem- ber, remains level and unchanged throughout the whole life. The second plan is that of insurance for a term of years, Term Insurance, ending at either ages 50, 60, or 70, as a member may elect. Under this plan the rate is. fixed at the age at nearest birthday on Jan. Ist, 1913, and remains level and unchanged insurance is purchased. has selected one of these term plans, and he desires to change to the Whole until the end of the term for which | If a member | 1912 25 Mares and Stallions All Ages from Yearlings to Five Years W. Barnhart. Butler, Missouri If he takes the plan to age 50 his | the direct benefit of every dollar paid monthly rate on $1000 will be as! by him. follows: '* The Head Camp has approved a 20 40 plan by which a member can divide 25 45 his insurance among the several plans 30 50 that have already been outlined. If 35 55 he takes a $3000 certificate it can be 40 60 divided according to his option, for 45 65 example, $1000 whole life; $1000 term If he takes a Whole Life plan his monthly rate wili be as follows: ending at 70 and $1000 term ending at 60. The rates to be based on the Life plan medi- cal examination and without cost at any time within five years of the end of the term selected. Whether a member elects to take either whole life insurance or a term insurance he should understand that the rates are derived from the Modern Woodmen tables of Mortality, con- structed from the past experience of the Society. He will understand further and without qualification, that these rates are adequate; that the rate problem, so far as the society is con- cerned, is settled, that no time in the future will further change of rates be necessary, and that this adequate rate is based upon one and only one pay- ment per month. No changes at any time in the future need be anticipated. If a member takes the plan to age 70 his monthly rate on $1000 will be as follows. Years Cente 65 70 80 _ 90 $1.05 $1.30 If he takes the plan to age 60 his monthly rate on $1000 will be as follows: SSRSRS BSRSRS SaSSRS 18 i} age at each table. 19 4 80 The Modern Woodmen Society has 20 85 the right under: the terms of the 21 90 Mobile bill to give to its membership 22 90 _rates lower than than those that can 23 95 be given by any other society or in- 24 95 surance company, no matter where 25 ; $1.00 formed or how operated, from the 26 $1.00 very fact that the Mobile bill permits 27 $1.05 the Society to value its business and 28 $1.05 ‘logically to grade rates to its own 29 $1.10 | Mottality standard, because it_meets 30 $t-t5— +that requirement of the bill which 31 $1.20 | permits societies having an experience 32 $1.20 {covering not less than 100,000 lives 33 $1.25 ‘and not less than 20 years, to do these 34 $1.30 ' things. 35 $1.35 | The lowest table of mortality that 36 $1.40 iany society, which cannot use its own 37 $1.45 | experience is permitted to employ is 38 $1.55 the National Fraternal Congress table 39 $1.60 which table shows a mortality about _ 46 $1.65 17 per cent in excess of that of the 41 $1.70 Modern Woodmen mortality table. 42 $1.80 Moreover let it be kept in mind that 43 $1.85 any society, the rates of which at this 44 $1.90 time are as low as or less than the 45 $2.00 rates adopted at the Chicago meeting 46 $2.10 of the Head Camp under the various’ 47 $2.20 plans, must by the terms of the 48 $2.30 Mobile bill disclose its true condition 49 $2.40 by valuation annually, and when the 50 $2.50 truth is known, it logically follows, 51 $2.60 that it must increase its rates or else 52 $2.75 fail to meet its benefit payments when 53 $2.90 they become due in future years. 54 $3.00 The Mobile bill will now have no ef- The above or whole life level rate plan contemplates the accumulation of reserves. The Head Camp guar- antees that where a member has paid the rates above for a period of fect upon the Woodmen because the Head Camp has taken action that meets all of its terms, and will only be required in the future to publish the reports of valuation that will dis- three years and then failed to pay an assessment, his insurance should be cacried, nevertheless, so long as the reserve would pay for it or if a mem- ber desired the society would give him a reduced amount of insurance purchasable by the reserve, thus giv-| ing to the member and his beneficiary | 16-4t -:- close an ability, dollar for dollar to meet their obligations. Such publi- cation can only be helpful. FOR SALE:—8 head of good mules coming 3 years old, and 4 head of and 4 years old.