The Daily Transcript (Norman, Okla.), Vol. 4, No. 62, Ed. 1 Saturday, August 26, 1916 Page: 3 of 4
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NORMAN DAILY TRANSCRIPT
The Federal Farm Loan Acl
Synopsis of Its Salient Features Prepared
by H. M. Hansop, Secretary-Treasurer Farm
Mortgage Bankers' Association of America
FEDERAL FARM LOAN ACT
Passed by th# House of Representa-
tives and the United States Sen-
ate June 27 and 28, 1916,
Respectively.
Signed by the President July 17, 1916
8.—Provides for a federal land bank
aystera In the continental United States
(exclusive of Alaska), dividing the
country Into twelve land bank districts
composed of whole Rtates.
3.—The system Is operated as a bu-
reau of the United states treasury de-
partment and supervised by the fed-
eral farm loan board. The secretary
of the treasury Is ez-offlclo chairman
of the board with four other members
appointed by the president for eight
years at an annual salary of $10,(XX).
One member Is designated farm loan
commissioner and Is the active execu-
tive oflicer.
3—Appointees of Board: (a) Farm
loan registrar for each land bank dis-
trict and
(b) One or more land appraisers for
each land bank district. Salaries paid
by federal land bunk or Joint stock
land bank for which they act.
(c) Land bank examiners; salaries
paid by the United States.
(d) Attorneys, experts, assistants
and other employees to be paid by the
United States.
17.—Powers of the Board: (a) To
organize and charter federal laud
banks, Joint stock land banks and na-
tional farm loan associations.
(b) To review and alter the rate of
Interest to be charged by federal land
banks for loans.
(c) To approve or reject any or all
loans for bond Issue and to grant or
refuse any specific Issue of farm loan
bonds of federal land banks and Joint
stock land banks.
(d) To regulate charges for ap-
praisal, examining titles and record-
ing.
(e) To appraise land securing mort-
gages for bond issue.
(f) To exercise general supervisory
authority over the federal land banks,
farm loan associations and Joint stock
land banks.
30.—The farm loan commissioner
shall examine the laws of every state
and If on examination the laws of any
state are shown to afford Insufficient
protection to holders, Its mortgages
shall be declared Ineligible under this
act during the continuance of the laws
In question.
32.—The secretary of the treasury Is
authorized to deposit United States
funds In federal land banks at current
government rates of Interest, the ag-
gregate of such funds not to exceed
$6,000,000 at any one time.
FEDERAL FARM LOAN BANKS
ORGANIZATION.
Section 4.—One in each land bank
district. Branches permitted within
Its district. Officers: President, vice
president, secretary and treasurer; di-
rectors; six representatives of farm
loan associations and three represent-
ing the public Interest. Attorneys, as-
sistants, experts and other employees.
All salaries fixed by farm loan board
and paid by bank. Subject to semian-
nual examinations by land bank exam-
iner.
CAPITAL STOCK.
Sec. 5.—$750,000. May be owned by
Individuals, firms, corporations and the
United States and state governments.
Sec. 5.—Shares, $5 each.
Sec. 5.—All stock remaining unsub-
scribed 30 days after subscription
books are opened shall be subscribed
by the United States and thereafter
only the United States government and
borrowers may acquire shares of stock.
Sec, 5.—United States government
not to participate In dividends. All
other stockholders share dividends
equally.
Sec. 5.—The original capital stock
shall be gradually retired after the
stock held by farm loan associations
shall amount to $750,000.
Sec. 5.—Not less than 5 per cent
of capital shall be Invested In United
States government bonds.
POWERS.
Sec. 13.—To buy first farm mort-
gages within Its district and to issue
and sell farm loan bonds.
Sec. 13.—To receive from farm loan
associations Interest and amortization
payments on mortgages and farm loan
bonds.
Sec. 13.—To acquire and dispose of
real and personal property necessary
for the convenient transaction of busi-
ness; and land taken In satisfaction of
debts or purchased under Judgments,
decrees or mortgages held by It. Shall
not hold title exceeding five years.
Sec. 13.—To accept deposits of se-
curities or current funds from member
associations but pay no Interest there-
on.
Sec. 13.—To borrow money on se-
curity and pay Interest thereon.
Sec. 13.—To buy and sell United
States bonds.
Sec. 13.—To appraise lands for bond
lesue and to charge applicants and bor-
rowers the cost of land appraisal, ex-
it mining titles, recording and other le-
■vi I fees, said fees to be paid In cash
or be made part of loan and paid In
amortization payments. %
Sec. 14.—To accept mortgages only
from farm loan associations and ap-
proved agents.
Sec. 14.—To accept deposits of cur-
rent funds only from Its stockholders.
Sec. 6.—To become financial agents
of United States government and de-
pository of public money. Public de-
posits cannot be Invested In mort-
gages or farm loan bonds.
Sec. 13.—To deposit Its securities
and current funds subject to check
with any member bank of the federal
reserve system and to receive Interest
thereon.
BONDS.
Sec. 20.—Issued In series of $50,000
or more, In denominations of $25, $50,
$100, $500 and $1,000.
Sec. 20.—May bear a maximum rate
of 5 per cent Interest per annum.
Sec. 19.—Mortgages and United
States government bonds eqifcil In
amount t<v the farm loan bonds Issued
are retained as collateral security by
the land bank registrar.
Sec. 14.—The outstanding farm loan
bonds shall not exceed 20 times the
capital and surplus.
Sec. 21.—Shall be guaranteed by
bank of Issue and all other federal land
banks.
Sec. 17.—No Issue Is authorized
without the approval of the furm loan
board.
Sec. 22.—Substitution of mortgages
and United States government bonds
held as collateral to farm loan bonds Is
permitted.
TAXATION.
Sec. 20.—The capital stock, sur-
plus, mortgages and farm loan bonds
and all Income derived therefrom are
exempt from federal, state, municipal
and local taxation.
Sec. 20.—Real property taken and
held under the provisions of sections
11 und flB Is not tax exempt
AGENTS.
Sec. 15.—Incorporated banks, trust
companies, mortgage companies or
chartered savings Institutions may act
as agents for federal land banks If no
farm loan association has been formed
In a given locality after one year.
Sec. 15.—Borrowers securing loans
through agents are required to sub-
scribe 5 per cent of the loan to the
capital of the federal land bank.
Sec. 15.—Agents are entitled to a
commission of one-half of 1 per cent
per annum on unpaid principal of each
loan they negotiate and the bank shall
pay agent for actual expenses for ap-
praising land, examining titles, exe-
cuting and recording the mortgage pa-
pers which shall be added to the face
of the loan.
Sec. 15.—Agents shall Indorse and
become liable for the payment of the
loans they negotiate and the aggre-
gate unpaid principal of such loans
shall not exceed ten times the agent's
capital and surplus.
Sec. 15.—Agents are required to
make good any default within 30 days
after notice.
Sec. 15.—All collections made shall
be remitted without charge.
SPECIAL PROVISIONS.
Sec. 22.—Amortization and other
payments constitute a trust fund to be
invested as follows:
(a) To pay off maturing farm loan
bond Issues.
(b) To purchase farm loan bonds.
(c) To lend on first farm mortgages
within the district.
(d) To buy United States govern-
ment bonds.
Sec. 23.—Reserve and dividends: No
limit Is placed on dividend distributions
after a reserve account has been built
up from earnings equal to 20 per cent
of the capital stock and after 5 per
cent of the net earnings annually
thereafter are added to the reserve ac-
count.
Sec. 23.—Reserve funds to be Invest-
ed as prescribed by the federal farm
loan board.
Sec. 27.—Farm loan bonds are lawful
Investments for fiduciary and trust
funds and security for all public de-
posits.
Sec. 27.—Federal reserve bank may
buy and sell farm loan bonds.
Sec. 29.—Provision Is made for dis-
solution and the appointment of a re-
ceiver.
Sec. 14.—No commission or charge
not specifically authorized In this act
shall be demanded or received.
NATIONAL FARM LOAN ASSOCI-
ATIONS
ORGANIZATION.
Section 7.—Ten farm owners desir-
ing loans aggregating $20,000 or more
may form such an association.
Sec. 7.—Its affairs are administered
by five directors, Including president,
vice president and a loan committee of
three serving without compensation,
and by a secretary treasurer with sal-
ary fixed by the farm loan board and
paid by the association.
CAPITAL STOCK.
Sec. 8.—Shares, $5 each; (9) carry-
ing double liability; (8) may be owned
only by borrowers who are required to
subscribe 5 per cent of their loan In
the capital stock of the association
which In turn subscribes an equal
amount of stock in the federal land
bank.
Sec. 8.—Shares are paid for In cash
or (9) the amount may be added to the
face of the loan and retired In amorti-
zation payments at par. In such case
the face of the loan shall not exceed
the 50 per cent and 20 per cent lim-
itation.
Sec. 7.—Assessment on shares may
be levied for operating expenses If
funds are not otherwise available.
POWERS.
Sec. 10.—To appraise land for mort-
gage through Its loan committee of
three.
Sec. 11.—To indorse and become
liable for the mortgages of Its share-
holders.
Sec. 11.—To receive and deliver the
proceeds of loans to borrowers.
Sec. 11.—To acquire and dispose of
property necessary for the convenient
transaction of Its business.
Sec. 11.—To Issue certificates of de
posit for not longer than one year and
to pay 4 per cent interest thereon,
convertible Into farm loan bonds at the
federal land bank of Its district.
Sec. 7.—To receive and transmit to
the federal land bank payments of In-
terest and principal and amortization
payments.
LOANS.
Sec. 12.—Loans shall be secured by
first mortgages on land within Its land
bank district.
Section 12.—To run from 5 to 40
years with amortization and with ad-
ditional optional prepayments after
five years.
Sec. 12.—Interest on loans shall not
exceed G per cent per annum on the
unpaid principal.
Sec. 12.—Borrowers shall pay
per cent simple Interest on defaulted
payments.
Sec. 12.—Loans may be made for the
following purposes and for no other
under penalty:
(a) To purchase land for agricul-
tural purposes.
(b) To purchase equipment, fertil-
izer and live stock for the operation of
the mortgaged farm.
(c) To provide buildings and for the
Improvement of farm lands.
(d) To pay debts existing at time of
organization of the first national farm
loan association within the county.
Sec. 12.—Maximum loan $10,000;
minimum loan $100.
Sec. 12.—No loan shall exceed 50 per
cent of the value of the land mortgaged
and 20 per cent of the permanent In-
sured Improvements.
Sec. J2.—No loans shall be made to
any person who Is not at the time or
shortly to become engaged In the culti-
vation of the farm mortgaged.
Note.—All applications for loans
originate with the national farm loan
associations or agents and all loans are
made and closed by the federal land
banks. This does not apply to Joint
stock land banks.
TAXATION.
Sec. 26.—Same as applies to federal
land banks.
SPECIAL PROVISIONS.
Sec. 9.—Associations may retain as
commission one-eighth of 1 per cent
semiannually from Interest payments
on the unpaid principal of loans.
Sec. 9.—Associations may borrow
from federal land banks at 6 per cent
annual Interest up to one-fourth of Its
total stockholdings In said bank.
Sec. 24.—Reserves and dividends:
No limit Is placed on dividend distri-
butions after the reserve account, built
up from net earnings equals 20 per
cent of the capital stock and after 2
per cent of the net earnings annually
thereafter are added to the reserve ac-
count
Sec. 25.—Defaults must be made
good within 30 days after notice.
Sec. 29.—Provision Is made for dis-
solution and the appointment of a re-
ceiver.
JOINT STOCK LAND BANKS
ORGANIZATION.
Section 16.—A private corporation
subject to the requirements under this
act which may be formed by ten or
more persons with a board of directors
of five or more.
Sec. 16.—May operate within the
state In which Its principal office Is lo-
cated and within some one contlngu-
ous state.
Sec. 28.—Subject to semiannual ex-
aminations by the federal land bank
examiner.
CAPITAL STOCK.
Sec. 16.—$250,000 minimum.
Sec. 16.—Double liability of share-
holders.
Sec. 16.—The United States govern-
ment shall own none of the shares of
stock.
Sec. 16.—No farm loan bonds can be
Issued until the capital stock Is fully
paid, although the bank may begin
business when one-half of the capital
Is subscribed and paid In cash.
POWERS.
Sec. 16.—To lend money on farm
mortgage security.
Sec. 16.—To Issue and sell farm loan
bonds.
Sec. 16.—To Issue farm loan bonds
up to 15 times the amount of Its capi-
tal and surplus.
Sec. 16.—Except as otherwise pro-
vided it has the powers of and Is sub-
ject to the restrictions Imposed on
federal land banks.
PRIVILEGES.
Sec. 11—May lend more than $10,000
to any one borrower, but not beyond
50 per cent of the value of the land
and 20 per cent of the permanent In-
sured Improvements.
Sec. rt.—Loans are not restricted to
the purposes prescribed for national
farm loan associations.
Sec. 16.—Loans may be made te
farm owners regardless of whether en*
gaged In cultivation of the land mort-
gaged or not.
Sec. 10.—Interest on loans shall not
exceed more than 1 per cent, the In-
terest rate established for Its last series
ef bonds, nor more than 8 per cent la
any case.
Sec. 16.—Commissions or other
charges uot specifically authorized by
this act shall not be demanded or re-
ceived.
BONDS.
Sec. 20.—Issued In series of $.10,000
or more. In denominations of $25, $50,
$100, $500 and $1,000.
Sec. 20.—May bear maximum rate of
5 per cent Interest per annum.
Sec. 10.—Bonds shall be so engraved
as to be readily distinguishable from
federal land bank bonds.
Sec. 19. — Mortgages and United
States government bonds equal In
amount to the farm loan bonds Issued
are retained as collateral security by
the land bank registrar.
Sec. 17.—No Issue Is authorized with-
out the approval of the farm loau
board.
Sec. 27.—Federal reserve banks are
authorized to buy und sell the bouds of
Joint stock land banks.
Sec. 22.—Substitution of mortgages
and United States government bonds
held as collateral to farm loan bouds Is
permitted.
Sec. 27.—Its bonds are lawful invest-
ments for fiduciary and trust funds
and security for all public deposits.
TAXATION.
Sec. 26.—The capital stock, surplus
and earnings are subject to the taxing
powers of the state.
Sec. 20.—Its mortgages executed un-
der this act and Its farm loan bonds
and ail Income derived therefrom are
exempt from federal, state and munic-
ipal and local taxation.
Sec. 20.—Real property taken and
held under the provisions of sections
11 and 13 is not tax exempt.
SPECIAL PROVISIONS.
Sec. 6.—Joint stock land banks are
made public depositories and financial
agents of the United States govern-
ment.
Sec. 6.—Public deposits cannot be In-
vested In farm mortgages or In farm
loan bonds.
Sec. 16.—Rates of Interest for loans
under 6 per cent are not subject to
review or alteration by the farm loan
board.
Sec. 13.—Shall receive no deposits
except public deposits.
Sec. 22.—Amortization and other
payments constitute a trust fund to be
Invested ns follows:
(a) To pay off Its maturing farm
loan bonds.
0
thihiih quality sewing MACHINE
NEW45QME
HOT SOLD UNDER ANY OTHtlt NAME
Wrlie tor fre« hookl* "Points 1o be considered bef««e
puri having a Sewinf Machine. Learn the fact*.
THE NEW HOME SEWING MACHINEC0.,0R>N6E.MA3l
Big Copper Mine Exhibit in the National Museum
DL7 ASIIINGTON.—Visitors at the United States National museum are ex-
it pressing much Interest In the new copper mine exhibit recently Installed
by the division of mineral technology. This exhibit consists of what Is known
as a stope from the Copper Queen
mine at Blsbee, Ariz., one of the cele-
brated copper mines of the world.
Stoplug Is the term applied to an
actual mining process by which ore
occurring in veins Is removed from a
inlne after It has been rendered ac-
cessible by the necessary preliminary
excavation, namely the sinking of
shafts and running drifts; accordingly
a stope Is one of the many units em-
ployed In this form of mining.
The stope on exhibition Is not
merely a model, but an actual piece of the real mine, removed bodily, ore faces,
timbering, chutes and all, from Its original setting to a room in the division of
mineral technology In the older National museum building. Accordingly, as
the visitor passes through the entrance Into the museum mine he finds himself,
to all Intents and purposes. In exactly the surroundings In which he would be
placed were he to enter the Copper Queen mine cage at Blsbee, and descend the
shaft hundreds of feet Into the depths of the earth to the working level and
enter one of the stopes. The only difference Is that he need not enter the
dusty cage nor descend to the bottom of the shaft.
New Mail Devices Saving Money for Uncle Sam
rJIB government Is saving thousands of dollars annually through the Intro-
duction of new and Improved devices used by the post office department In
( bundling mull. Among the varied industrial enterprises of the department Is
: in establishment devoted entirely to
the manufacture of mail locks and the
Dag attachments used In mull trans-
I portation.
Until recently the lock used by the
| post office weighed five and one-half
ounces; the new one weighs two and
j four-fifths ounces. The old locks cost 21
j cents to make and the new ones are
t>elng manufactured for 8*4 cents. The
I post office has put 4110,000 of the new
product Into the service. The saving
on the original cost of production to
date amounts to $53,750. Of the old style, 36,(XX) were annually returned for
repairs at a cost of 9 cents each. Of the new style, out of the great
number sent Into the service, but 006 have been returned, and as these new
stylo locks can be repaired at a cost of 3 cents each, the annual saving
on this Item will amount to over $2,100.
The department has encouraged Its employees to glvo their best service
In the government, and many Instances have recently come to notice wherein
I (he department has greatly profited by this wise public policy. In the lock
I shop a recent achievement In this direction Is an Improved cord fastener, the
work of three of Its employees, for use on bags; also one designed for locking
large quantities of parcel-post matter, which has heretofore been without this
protection.
„ PARKER'S "
HAIR BALSAM
A toilvt prepar«tioa of Merit
Help* to arid!<■ !• dudrvf.
For Raatorint C«U* ta4
Beaut j *r F ad*d Hair,
and >1 ti at I>rugct«U.
The bore can head off all effort t
forget that he Is a bore.
Sometimes It Is easy, and sometimes
It Is Impossible to raise money on a
bond of sympathy.
READ THIS FROM A
PROMINENT RAILROAD MAN
Mr. John \\\ linger. Fuel Inspector of
the N. C. & St. L. Hy., living At 3008
CarliHle, Nanhville, Tenn , write*: "During
the fall of 1914 1 hud the grippe for Mix
weeks and had three doctor* One bottle
of Lung-Vita did me mora good than all
of the inedh ine they had given me I^ast
winter inv little boy haa the whooping
cough ami we^thought he would never b«
well again. We tried everything we could
think of, with no result*, until we used
Lung-Vita. After uning tnia medicine he
In well and hardy and has never been both-
I ercd any more We wnld not h* with-
out it in our home." Use Lung-Vita for
consumption, asthma, roughs, croup, cold*,
and whooping cough. If your denier does
not have it semi $1.75 for a thirty-day
treatment today Nashville Medicine Co.,
Dept. C, Nashville, Tenn. Adv.
I In the United States 2,(XX),000 chil-
dren, ten to fifteen years of age, are
employed In gainful occupations.
Englners have found that the use
of sine in boilers prevents foam and
the deposit of scale.
RED, ROUGH, SORE HANDS
May Be Soothed and Healed by Uas
of Cuticura. Trial Free.
Nothing so soothing and healing for
red, rough and Irritated hands as Cuti-
cura Soap and Cuticura Ointment
Soak hands on retiring In hot Cuticura
soapsuds. Dry, and gently anoint hands
with Cuticura Ointment A one-night
treatment works wonders.
Freo sample each by mall with Book.
Address postcard, Cuticura, Dept. L
Boston. Sold everywhere.—Adv.
Aged Marksman Who Rids Washington of Pigeons
(b) To purchase farm loan bonds. A GRAY-HEADED man was standing In front of the treasury building the
3;es with- other day, with a rifle at his shoulder. Every fmv minutes he would take
(c) To lend on first mortgages
In Its prescribed field.
(d) To purchase United States gov-
ernment bonds.
Sec. 23.—Reserve and dividends pro-
vided for as in the case of federal land
banks.
Sec. 29.—Provision Is made for dis-
solution and the appointment of a re-
ceiver.
THIS DEALER HAD REAL TACT
Stout and Thin Customers Use Special
Mirrors in Wearing Apparel
Establishment.
A dealer In wearing apparel, noticing
that his stout customers and his very
thin customers often were sensitive us
to their figures, installed two full
length mirrors of special design, says
Popular Mechanics magazine. One was
slightly concave and the other slightly
convex. When a stout customer tried
careful aim, pull the trigger, und down would flutter a dead pigeon. After
eight or nine of the birds had been
winged u man who hnd been wutchlng
him closely came up to him.
"I'm going to urrest you!" he told
the marksman.
"Whut ore you going to arrest me
for?"
"For cruelty to anlmuls!" replied
the other.
"Huve you been here for the last
half hour, and seen me shoot?" asked
the rifleman. The strunger admitted
lie hud.
"Did you see me miss anything?"
"No."
"Well, ain't you bigger than a pigeon?"
Amid the luughter of the crowd the strunger turned and walked away,
with a queer look on his face.
Evidently he did not know that Uncle Eak Gndsby, for such was the rifle-
man, was the most expert shot In Washington with that weapon, and had a
permit from the District of Columbiu police to curry and shoot his rifle any-
where In the District.
In fact, J. Euk Gadsby Is the aid of the police department In matter of
ridding the air of superfluous pigeons, and the ground of surplus cats. The
What 18 Coming?
I Mr. It. G. Wells Is more Interested,
so he tells us In Ills latest book, "What
| Is Coming?" In the tomorrow than In
! the today. The past he regards sim-
ply as material for future guessing.
! Remembering his many successful
| forecasts of previous years, this latest
volume, In which he deuls with social
conditions after the war, Is possessed
| of great significance. How are people
going to make up the waste of the
world's resources, the killing of a
j large majority of the men In nearly
I every European country, universal loss
| and unhapplness? What, In short, ti
In store for the next generation?
a thin person came In to try on clothes
she was taken to the convex mirror,
where the opposite effect was pro-
duced.
Only Moistened His Lips.
dent's favorite messenger.
Uncle "Eak" it was who cleared the Inside dome of the congressional
library of pigeons, taking 21 shots, and bringing down 10 birds, all without
making the least scratch on the gold-leaf work Inside the dome.
Uncle Eak has shot a rifle for 50 of his 70 years, and was in his early
days a powerful stroke on the Potomac.
nmm. „ , i Mr- Gadsby also shoots cats, on request of the District police, when they
a Col1mb«s real es- . Iire becoming a nuisance, but with reluctance. He does the shooting for
tate and insuiance agent, told some of | pleasure, never accepting a fee for it
the other business men who have of-1 '
flees In the Bassett building that he
was hot. They agreed that they were
Just as hot as he was.
*'I can eat all the Ice cream you
fellows are willing to buy," Scudder
declared.
The others made up 60 cents and
sent out for a half gallon of cream.
They had a notion that Scudder would
eat about a quart after which they
would divide the remaining quart
among themselves. Scudder surround
ed the entire half gallon of ice crean^
smacked his lips and asked them
whether they were not going to get
him enough Ice cream for a real taste.
The business men looked at each oth-
er, smiled sleklv and returned to their
places of business. — Indianapolis
News.
Fauna of the District of Columbia Is Varied
A MAN may study with a good deal of Interest the collection in tli€
National museum classified as "The Animals of the District of Columbia."
Not only the number and variety of the exhibits will impress him, but he wilj
probably be Interested In the age of
some of the exhibits and in the great
number of men and women who have
made contributions to the collection.
There is a tine specimen of otter,
the fnr of which has so long been
highly prized, and the card attached
to this specimen says that It was de-
lived from the old collection of the
National Institute museum. The fol-
lowing additional information Is given:
"Otters are now (1914) very rare
about Washington, but some are still
resident on the Potomac above Little Falls."
Th. xhr.. Phii l, ^ne ca8e contains salamanders, strange little animals which are coin-
For the first tiino wTthoii- h mon enough about Washington, but when seen are usunlly dismissed as being
three Lenufne i mon1 e „l Z "Zar"S- °"e a salamander. It Is a Jet black fellow aboul
opliers went out rldlnc In mot r' cur ' lncnes lou£' ,hicltly sprinkled with vivid yellow spots which are generally
Mter they had ridden a,out ZZ, U'e "iZe °f " lady's li,tle fing"r «"■ T1" sP«" Pn "as captured In
ft they had ridden about twenty , jlock Creek park and presented to the museum by Dr. E. A. Mourns. The
0,L." .ut I descriptive curd says of the species that it is seldom seen and not very com-
mon; that it frequents low, damp woods nnd lives mainly under logs and
leaves. It Is quite harmless and, like other species of the salamander, moves
about and feeds at night.
The various specimens of terrapin and tortoise which occur within the
District of Columbia are presented for the enlightenment of visitors. One
exhibit is of a yellow-spotted terrapin which was found on Northwest branch
In Prince Georges county and presented to the museum last year by John and 1
Kdwln Bean. The official description of It says that it may be found along j
woodland streams and In small marshes, and that though not now common,
It was once abundant within the District of Columbia.
Close by is a small collection of snakes which are either natives of the
District of Columbia or were born very^lose to the boundaries of the federal
district.
Laps.
Ills prowess as a walker was the
subject of Jenkins' boasting one day.
"One holiday," he said, loudly, "I se-
lected a course measuring four miles
over the country, an^ timed myself.
The result was that In one hour I cov-
ered 12 miles In three laps."
He waited for the exclamations of
amazement, which did not come. In-
stead, one of his listeners remarked la
a bored voice:
"That's nothing special. I know a
young lady who once did 00 miles all
in one lap, nnd she would have re-
turned In the same lap, only I got a
cramp so badly In the legs!"
Every man who knows It all seldom
gets a chance to tell It after he gets
married.
down. Said the first philosopher: "1 |
have long wanted to study certain as-
pects of nature, and this affords m«
the particular prospect I most ad-
mire." Said the second philosopher!
"I observe there Is a farmhouse over
there where food can doubtless be ob-
tained In sufficient quantities." Said
the third philosopher: "I have lon§
wanted to be In a situation where,
without moving, sustenance would b4
brought to me by one friend, while
the other discoursed on the beautlei
of nature."—Life.
As the acorn grows to
be the mighty oak, so chil-
dren when rightly nour-
ished, grow to be sturdy
men and women.
Good flavor and the es-
sential nourishing elements
for mental and physical de-
velopment of children are
found in the famous food —
Grape-Nuts
Made of whole wheat and
malted barley, this pure food
supplies all the nutriment of
the grains in a most easily di-
gested form.
It does the heart good to see
little folks enjoy Grape-Nuts
and cream.
" There's a Reason"
Sold by Grocers.
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Reference the current page of this Newspaper.
Burke, J. J. The Daily Transcript (Norman, Okla.), Vol. 4, No. 62, Ed. 1 Saturday, August 26, 1916, newspaper, August 26, 1916; (https://gateway.okhistory.org/ark:/67531/metadc113286/m1/3/: accessed April 19, 2024), The Gateway to Oklahoma History, https://gateway.okhistory.org; crediting Oklahoma Historical Society.