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ON LIFE < '.<-_?_ ADDRESS BY B. F. MAULDIN BEFORE MEETING OF ASSOCIATION GIVES ADVICE TO THE YOUNG AGENTS In Protecting Servuvs Mon Pro tects Hb Family, His Busi ness and His Creditor. When a biographer dig? Into the lifo of another with a view to writing that lifo he usually brings out only thc gold: that he finds, an J this gi.voa to Aila story, a golden hue. When the ar tist would put on** canvas his concep tion of tile true and the beautiful and tho good, if ho finds defects In lils modol. with deft-'fingers, he covera these defects .with his brush and pre sents to us a porfect picture, repre senting his ideal. ' WTicn a speaker is called ,tipon to discuss a special sub ject, which is-jOf '/iHDeclnl iDtorcai: to. his hearers the temptation is to pre sent that side of tho subject iluit would plcaso his hearers. Happily for your speaker tonight his subject is lifo Insurance, and In a r?t'.cr 'long business cartoor, cotnlrg in contact: jivith "many men pf many mindy." and , b:'rs brou::-it fare to" i^ci w't'i many and varlf'l conditio";? he ?MIB rien so much of tko real ). o'dl". blcs's ^?^flr'jtto^V'SbVa??.i?.t-; t'.ia'. iie ha:i fjw, if any',; sauie.i to I jw at il. I: leed.', tl.are in LUCII a st. JUS coavlct.0.1 in the .minds of the public .tn favor of lit? insurance that few aro found so: Ignorant, pr sp narrow, or so selfish Ss to oppoBo.lt; and so Aviien a man dies tho first question that presents itaolf to_ most, minds is^nqt ; whether tho deceae'd went to heaven, but how' much insuranco ho lett to protect his v family. Vc .'' .> ' ,vJ V>-', J . '% '{ '?' , Right ?hero, flt you will ?&euB?rnib 1 wish To' take ii lent out of my. peren al exp?rience with Hie Insurance. >At nhout eighteen years, ol ngo I benight my' tiret lifo insurance policy, which , was ter $2,000.00, and made my moth/ : er the beneficiary; fonr year? latt?r"-!/1 ' married; and;'the ,day. fol lo*; I ni/, .my., lu.?rripge i hn<\ ;.thi?. PQ'iipy : uijidti -u'^y;, able t'j my tVii'o bind children. ". 'Eel-' mo say, inLldoii?.al\y," that tnis^ wW? \.about tho first and only . time in 'myv Ute I have over dealt in fut?ire.i.; Tbs] policy waa on tho ordinary life twenty yca,r tontine tyan, which p?rbaps'.-all' of'-you will understand made, . the policy cumulative 'an. to profits - and dtvldonds, asd carried also a survivor ship interest. At the.end of1 the twen ty years tho, company ' offered mo a paid' up policy for $1,038.00, w^eh ? -, accepted, "I have/thls policy yet, und. . could-today borrow' St ,200? GO, Wi ; lt from th?; company ot a low rat? bf Intercut. ?Speakinggenerally., alno withpul.cir coptlos, it i-'uuiiia to us tho ptain duly 'ot everyone who po.Hslhly'can to car ry' insuranco on lits life. I UPC the word/c^sstbiy". advisedly, for lo-vlew^. of that-.form of policy which permits'' tho/Ihsured to pay his premiums lb '. ib?nti?'ly.' Inctallmonts few then aro . uunblo to Insure, to samo extent at Hast. .Thetroublo ia that'many not ap^rcci?t?ri'K the importance, <>f insur ance .'??ro;,net .wtiHng to p'rubtlpe the SQii denial mir?:siiuryMo. the carrying '.'- bt'a pQllpy. "they 'uro ?ibwlliing to pay t itho price.". Let. me say hero that In the unwillingness to pay. the price of success we find, the secret. yr)i$~fa> ' many Hvejf ?j^sf*failuro.<t.,/ -itpaii'?, rajh' ; -start . out^^rtfe^a?aliy equipped for life's work, abd with eriuai .opportuni ties. One BU'cccecia and . tho ; other falls? and ; you can usually tfneo the ' failure pi tho. ono to th,: common mif tak9 that be.was unwilling to pay thi price. ' Why ahouM one insure lila life, whr.t i i thb true .aim nod purpoae. of.-lifo ^jtEnra??o"?, : IsMt for investment, as in , th??casW of a? bond or mortgage, "or other, int ereat lica ria g security,-tha^ a maayourckakosY i say "bo!' _cm< phatlcaily. nod tho solicitor of lifo in?: ?nrabeo who represents that any:'Uf?'. .OTmi^pw 'contract is .a good paying '?lfe inV?stajcnt iB not true to the real ::t?iWr^cdW^?fUffe insurance. It doosnbt .^?-.S?n'd to reason tlmt a life Inaurnuire eomifeiby can carry the risk hu your.' - lite ona" also give you a remunerativa Interes*.<o).rrprofit, ba your investment. '.Hila does not-mean that a life in?ujs ance pbRcy .i?-'riot an available asset, for neariy .every policy; has a I ann br aasb1 lr?il?* jwbicli servos as a safe-' *^^.-g^>*'\^"i<V?"?-Viw oj?? ' Publ^h?d Evet rN BANKER be pointed to where a life insurance check presented with smiling face by tho life Insurance agent to t..o widow of lim man who waa insuWd hun sav ed her ho?ic, und oft timba,, provided u eotapeteaty beside for^the support und education of her orphan child ren. ; I.am a finn believer in building and . loan, mainly 'because it is ?1 home builder; .The- utan who takes stock of t'lis kind Torche purpose, of secur ing a home,' in ?;!<.-.'ni of paying rent pays his .nowthly dues to the auroclar ?lon, and when his steck matures, if uio company lias boon weiL managed, he finds that hq has1 practically paid "for bia V.'.oinc-r *b\Itv "suppose lie does not live out this period*) 'who IB to take caro of hi? monthly dues? If ho has left life insurance tills ques tion is answered ut once. So, a life Insurance policy, iu my .Judgment, is a necscsary complement In tho case of a man who builds; IIIB homo through j a building and.loan association. Take tho baldness man, ? 'caro hot how suc c.cssiul his business may be how sound a financial footing ho may bo on, if death take him away ;tbero. ls a nee eu.-ary and Inevitable-sacrifice of the business, to a more or less extent and t'?e only wav-he ehn hcdge_agulnst thin is V.y life insurance.' Till. fact is getting to be moro and/ more recog nized. Corporation" and' partnership irttfuiuixt'O" is1 growing more popular, and tho banker, w.blle he cannot af ford to look to jife'insurance for the ultlnato payment'c ' a debt that 1J ? ? .'..ui,- l-.wr->-rttPfO ??? m.mvs'A'Jb.q * .f ko V' .M { :??<??. C. , tf-Oui. h i?'ill l:;>nro'v, lor thia l.aut-at;j' pr.vii j ?.?I.. i -.. / can. - bi ...J .1.12 ..c...r wilylyJ^a^?.i?tt to* vujr? i?rin yitlch woulds Involvo tlmcreatlnz ot tf pret ty laryj'deblHfdr him*''"knew tho tuan. rio. bp. hpn.dsti ^lndUstrlous,' and thrifty, hut thb first Question ? ask ed him was "howJfcW??lf? insurance, do you carry"? ' His reply was,"56, 000.'jii.;?f 'this' Iphh ls .made.'mis ans wer or his wlil ?iavo been,a strong .iaejoriig?the ?aase; The man who doei JojB?n?ro his proporty against tirol ngjf fneikfe.hurn up,.1.and yet in '1I^;?^tnpt?f^^'fdp|K mue/? fifoTfl. v.iluabk aaset wnieh^c^dces'-nnt Insufo against. deatbt-whjph juust and will como soon er ?**? aie*, i ?, -W?jiw*' - - Au , u .old. .i ns bf anea, .solicitor - Jl am ad- j wi ?te Ute. .iusuroncp,: and.iof epurse, ipetre ave mpny; ne&fogSSl? of p?llci?B with which? ail ??fa Ci teudency|.t]Bas insurance con insured,'.abji \ task ea>Ie?jth yt?r? or bembo' lliqfc but *he IheSpik? J.Iife itt't'favor of >the on id mShO ' your e v.as. My first j not pcra?ud?~In ! man to over-insure, i know .that this, for tho ?ino being, means more mpney lu your pocket, bat in t/.o emt lt ,will react against you In your work, I second, do not be afraid of compet?- 1 tion, for competition makes business, It ?et? moro people to thlnklnc. and ! thus brings about more end better re- ] suits, from your work, lt does not matter who shakes, thc tree, tho ques tion lb .??jhQ^gets. ^-?ri^.JV"?11 - 1t I 'falls'.: ' " As a boy I sometimes wont into what *?*cail ,*o'hT'r\IbS?Wltb uhor boys and muddled tho waters and - this brouftht tho fish to th% surface, but I. did not always catch the most fish. Tliey were ..there to cr,ich, however, jp^j^and then"J.n your business. The man that believes he cm do a tiling and wants io do it, ^generally doef if. ^bix^Tvy^^teM ?biiity, hpwdv?$ 'lias- already 4i?fuTrH? Avrlto the - word failure.. Noxt, have faith In'your company. In thoao times of ?lgid Insurance lbw? for the protec tor cf' the insured tho company that is ' not-'financially strong, .'.or whoso mo,tbbiV are unfair, will f?id It hard to get ?' license to do business. Now,, without having auy .c?ajpahy in my mind,as a p'reterritd WmpbnJ>, . I make th<j s'bnpte buggestloU that the agent in selecting, his cop\paujr.;(Irst. satis fy himself as to ii'? financial sound ness^ Varid ^irne?s. ^ look for the forres of' insurance contracta that ap poui jo;tum as tho most saleable.ta tho fi?la ..in which be proposes to work.( f;*lti?in& dobo Ulis lettoaro be llevb tbftt .U? it?a the best company |p tbbiwHf?dV-?hen let lum tnko his coat cit; roll ;up bis sleeves, and gor to work.: . S*?Uyi hnwfaith in ?he .bttsfc. peu? o? :tif4 tuBtironca, ; A favorito >yay/*of;:b?yer'dRlftg' wtth a Ufo. tu?ur nnes.'- company, ?K tb pdf up'?n thotic liters wire. ? ^picture designed IqVhciW, fc'ltte'-rasttriVnc?j^licy:br1ttf^;?ld* J ,Jtbe,wi?W(y:>?nd.:tbet matter.-??U.tho demi: ?^O?Q^'.l^.l?I?XWrance. sad puta >perh?^'; fciellaw.m .^r?ck. sa Th? Anderson local*1 jlfo: nnderw'rlt: ersi.tnct.'Saturday d?ni.bini the, life NUrabce'-!it\^"??Y.^^hoi?: ^>^vit?d^ te Attend, ' y Wednesday in tt .:. .:. v * .:? o .:> o o o v * * * ? * * WA IT Is EN! ? AND DOMESTIC + * SERVANT * + ? * + +++*++**<.*?+**+*+**** It IB hold hy Attorney General Cure tun of Texas In an opiniou tu the statu Industrial Accident hoard thal a wait ress at a fashionable social club is |,rtot a domestic, Bervant as mentioned In the exemptions under the Work men's . Compensation law. Domestic servants are employed in families and remain In private households, says Mr. Cureton, and that same has been hold in Texas decisions and accepted as such In previous laws. An employe of a club ls-not tho servant of anv ono member,' he write?, but of the entire membership, hence they are not ex empted from tho compensation act aa privato domestic, but come within tho provisions of that law and I pro tected by same. * * + INSURANCE AGAINST ZEP. + PELINS ? + <?r + +++ + * + *4*$ + + * + + + * + + I Advices from London state that a plan for insuring tho property of tho poor against aircraft raids was an nounced in tao house pf commons on .Nov. 9 by 'Herbert Samuel, postmaster general. A paymont of 12 cento wijl in^re property to the value or$?25, for i2 months against destruction or damage resulting directly or indirect ly from bombardment by aircraft or from tho effects of anti-aircraft guns. Thc maximum valuo of property In surable is $3fliG, which will require paymont of 37 cents. This insurance "business will be transacted through I the postbfflce, whlcb will accept pay I incuts and pay claims.-Exchange. CONSIDER CHANGES IN LIABILITY HESE RYE LAW At. a recent c on fer once between ox ocutiv.CB .of cOmpantcs writing com? pens?t ion business and tbe committee on reserves other tiAn 'Hfe or \the| National Convention of Insurance commissioners for the purpose ofdts cusslng .necessary changes In the-lia-j bft'ty reserve law. lt ?waa' suggested by Commissioner - Hardis?n"- of Mascchu .setts, Chairman' ot tho; committee, that tho companies .get togother'and/.egree upon the amendment needed, so as. to be able to present thlr views l?} thu committee before t":0 midwinter ipeot Ing bf the commissioners' conYc'uJUpn.J to be held in Now York Dec. f'Mi.. // ?nj.'ahcprjlanco w.Ub" {his. suggestion I ?in^>.m/ro?pohuo; to a. call'from / tho travelers," well-attended meeting of; [.stock- and mu ta al cn sn a.l ty company exocitHves "was hoi il at tab Hotel As: tor, ,Now, York, last Wednesday," with William Bib Smith of tho Travelers I it the emir. . I /..After seme dleeusslon.^tlio mpetlngT appointed' >\ nomina tint; .'committee, to select ncommtttee to'cOhfor with'-the commissioners and report to the meet .V^'-?md^y 'folio>?^ ^ymimlttee, re?v presenting'seven";stock companies and tw.p^mutdots, was1, ai^oAvbpoit: .Tray? clere, Royah Indemnity, London Guar .am'eo &^Acblden^ Fidelity & Casualty Tlferyiitpd .riasualty;]Em?loyefsf. Lia-' ?Milty, Frankfort Goner]*!,: industrial Mutual Liability of Nev/ York and* the American Mutual Liability of BoBton. , Soven er the-companies aro mem ber? Of th*' Workmen's' Compensation' bureau and objeotlou - .was made 'jy President Lott of tho United P?it?s Casualty that the committee vas not' representative, but it was explained, tihal "it had been chosen because of the' i data in possession of tlio companies. ' | ' Savo Hbney Now., There- are two good reasonn -why cvoryjxnly should exort himself, tb save a little more money now than ?commonly.. :A.-purely selfish Teason.th that saving now counts moro 'than saving . during ordinary times. A dollar Saved now will,yield larger re* turas than abollar saved two or three years ?go, and rhore probably than a dollar saved two or threo years in tho future. Money saved now can be In vested with -'as.-ib deli, safety as is hu manly achievable so as to bring in five, per cent or more.' A few years' t&jjjkfjtovlnga invested ' In securities of similar strength ..would " yield ,. only threw : per cent. 'When, this war ls over tho world is going to be very poor. 'Persons who have any money at all are going to be .relatively rich.. Tiioso who save now 'will possess the world later ob.. Another reason, for saving no-.Y .is that it is the best thing a non-combutant can do to help the wor"4 tvym the fate that la being brough*, upon it by tho war. Acc?mu lat?d savin ss are the basis pf civiliza tion. Out of tho accumulated savibfsJ hospitals are . founded, railroads ; are built, and new discoveries- in/a^maf; aro, made>i-j38lbie.^ Tho accumifflgm [?ayjngs'. pf. thb, ;w'qrl,?^ .l>V. ?o"faj^ ?a Ubey-bxlst la ^rp50,/.axe..b???i de this %E?Mmm&&. wbrfd'W^e^trbhcK ?bW^bly^ lViAhy Aor?rl' Wf?jjtii ?ipbfe'.. o? gen WHO afa-ea- money; -he#?>j much to'.'coubtaii^ . civiiization--Coii?er> Weeklyt Franklyn L. t Sheppard, Phlladsii-J ;?Jjila./X^.; insured for ?i40,0^k ?VA fcatvsbo-ajd.?aTe.all the-life laurance be. gin j&a^y.:^,^ ' _ and- j^nieid^iytg^^ wi^mi^r/ tr?fen! ,.MJif?. pro^bet?on: *M?S a?*o ... nSset^riibralr <NMV^ ready money:ia 'Hms* ot xmrnrgoncy,'-The '?^^mi^m^-. i j ie Interest of the In HOI DISCulHfllE Married Man if Less Liable lo Ac cident Because More Careful , .'Jhah Single. ?.A.. lu an address before the climber of commerce of Johnston, Po.,- John I W. Leech and John A. ?colt, members ; of the Pennsylvania Workmen's. .Com-i pensation hoard, refuted statements,! that the provisionb/or the workmen's compensation net would tend to keep from employment married men with families. Mr. Lecohi quoted John Mitchell, for mor president of the United Mine I Workers of America, and now chair man Qf. the. Industrial Commission of New York state, In proving that tho I workmen's compensation, law in New York state had not resulted-in any discrimination against married men, regardless of tho number'of their chil dren . "Why should..ther> be any discrimi nation agaihBt t/r.o married man?" Mr. Leech asked. "The stato insurance i fund, which will offer . compensation insurance at 10 per cent below the rate charged'hy stock companies and will afford complete security, will In-I sure married 'employes at tho same rate ns is charged for single men. Tho* approved-inahrance rates for all com panies show no discrimination'against married employes. Tho cost of In surance to an-employer is the same, whether employes are married or sin gle*. ' "Every employer, will tell you that a married man . ls'less liable- to. acci dent than.a Bingie man, as he is more careful. "y-Exchange. +?******************** * ' V ' * * BUSY BONDIN? WAR ORDERS * * . -.. * ******>.**&************ .War order; pond s of large pron'ortiori aro at -the preseat keeping underwrit ers for curely companies , busy. .The .United -States .&i?eiity'& rjuaranty re cently WTOte.a, ^?nd for $1.730,000 for the ^American. Wjooleq.Co.,. re-Insuring part with .spheral other companies. Tho National Ssircty has completed the armhgcmei^s',fo?''reinsurance! on t^?-fl,C^An?(K:^f|^vtor\tl?0 Tennessee Copper* ?b.'j^n'jts contract 'yti\W the Russian "TOyer.?,ijneb't,^,,Tw'? 0*' 'three other confronts of JbiHcient si?ejb tax tab' facilities ' of-Me! jsurety .people* ure in procer, of ar.??'hgem?ht. 'Tn'e t??ob? indemnify, haa^rbchntly'. wrHt^uV two bonds ^,$2.??0,OTp''each 'for thc Brad ley CbntfacUng^Oj-^?xch'n'ugc. . Vite VersuferLlfo'Insurance. - l-vot. i'm t?.OOO.tftpi.or so dwellings fa tho United States'00-per cent aroprb .? acted, at least -.tb.epiroe extent,-by. fire Insurance, .'.But o/'OUT' ?OO.OOO.OO?'in habitants Only -Vi; per cent have taken but . life, .insurance . policies. iieii ! seem to bo more:bnehsy over the mere I possibility Of ?the ,-burning of their houses, than- oye^.'.^? .stern certainty that death <wlll. some day overtake them. -, This is a ??tranco contradiction in ihiuman nature.-'?>To ..safeguard the nation's' material ? possession1; Ia Wei!, but how much moro valuable than the homes are tho , human lives of tho country. In this/age// whoa tho prin ciples of - Ufo insurance are-so well understood/.there: should be no such discrepancy" between the , number bf ' homes and of lives' insured. In many, instances the former could HGt bo say-' ed from forecloaure were the. earners of incomes to pass away -leaving tb-dr fain! lie s unprovided for. ; It is UB hinch thc duty of every . mah to insure his life-'as to . in au r.ir his, prppeptyv and -iif ho has no Insurable property,, there Iis all. the more reason for insuring hi* 'ilfe^Henntt(l??Ii?'Blta?6. ..' . ' ' i' t-V Vr , Mnoo'vn': Difference. . Little Willie t?ecanio slightly indis posed, and . wb^n'.the ; family . doctor was called he prescribed some medi cino in pbwder^ori?.'' ."Come. Willied a??d th? fond moth er;. preparing oho of . die powders as soon as the medicine ttfrived from the drug'atoro, ''yoUfij'ust take th!h? right away, sn that you wili he wbil,"-' "No, I don't want to take lt," whined Willie; ^??klbg x away from tho; dose.. I don/t ?e?d nb medicine." Y/'Why. Willie," pleaded mother, gently, drawing .tb?'"bby '*tbWard' herr you. never heard me complain about a 'Httte'^Wderr4iif#Mit',n'.''-V ' "No;eh*. neitbfeVwokld L'' was. the startling re^oind?? 'ofMlWi?ie, "? 1 could Just puUtt1"^ dbr.?.but t have tb swallow if'-Phil adelphia Telegraph. ^^^^'?^^^t^. tb.*; wed-. ^bv"M?Als beat ted*lde;r?azmoi' to hts ley ifefobi^'-ui^iibns j^g^t)K ' Tko patient" o'peb.edi them and read tb? directions. "A> powder for; a^ headacbex'1 he r.avi<V aloud; ''%petf?t.rbr my "liver." bti jfohtlnhed. .''ab'X'Ta catBhlo tor ra* sow 'ibov- ~m&'mm?tof?: ~ 'ton??rW&to&b'tt'' '-k moment. rv't sav,, doctor,'* ftb'?rAed^bV?? t Hills ortigar? know H?hl - p!ao* to-go^^ - -. . surance Men of Ai * * *. BURGLARY POLICY FOR A * * MILLION .* * + Tho federal reserve bBtik at Dal las, Texas, has been Insured under a burglary policy of $1.000,000 coverago and in audition is carrying other in surance exclusive of fire amounting to about eight and a half million dollars; ! making it one of tho most heavily in sured institutions in tho world. A blanket bond on 25 employes is car ried for $200,000 each. STARVATION OF BEES Lack of Supplies Found to Be Chief Factor. That proper insulation of t vc hives and an adequate supply of stores will greatly reduce tho winter losses now Buffered by beekeepers was pointed out in tho issue of the news letter for October 20. Figures for tho loss es in tho winter of 1914-15, compiled by the department and publishud in bulletin 325, now present additional evidence on this point. ? For thp entire country tho average loss last winter waa 12.6 per cent.' T-?io chief factor In thlB total was starvation, to which waa attributed tho destruction of 3.2 per cent of tho colonies. It is not unlikely, how ever, that the actual loss was greater than this estimate, for many' bee* keepera who omitted to assign any reason for tho deativ of their bees were probably reluctant to admit that their neglect of a simple precaution yras responsible. By moderation in removing surplus honey and by tho proper feeding of sugar sirup in the fall and 'spring, starvation can be absolutely avoided. The quantity of stores needed to car ry a colony in good condition through the winter will, of course, vary with varying conditions. T:ie average amount reported for the entire* coun^ try is 31.9 pounds, but the average for Utah alone ie givten as 49 and for Novada and Florida as 40. ' To be on' the safe side tho beekeeper should provide Stores largely in excess of what ho anticipates tho colono y will heed, for, as was pointed out'in the [article already mentioned his real aim is to' pave bees ratherr than stores, i There ls, moreover, nothing to Indi cate that the'stores should be less abundant in the warmer and shorter winters ot the south than in the north abd ^wost.. The reasons for this aro. mot ontirely clear, but a study'bf thp? ^Tcrasc qhantities required 4a i> p.aohi : State : . falls ' to . -reveal variationstha* correspond . to dtlferenees In climate;;, except that there is a shorter brood-J less period in the south. "Whllo 3.6 ip?r Cent of the colonies, perished from starvation, only 0.9 per cent were lost through cold, exposure, and smothering. It. must ho remem bered, however,. Oat, as ls explained in farmers' bulletin 695, thc consump tion of Stores is greatly increased! whenever the bees are forced to pro tect themselves from tho cold hy ex cessive heat production. , Insufficient Insulation, an indirect canso of hauch; of tho loss. attributed to ; starvation. - Next to starvation,'poor honey and dysentery are responsible for tho larg i^gnRriatey Ibssss.. In 1914-15; 2.1 per cent of tho colonies perished on i this account.. Like . starvation and cold,.tilts factor cab bc readily elimi nated by ? little cave at tho proper* time. . 'Honeydew honey is a common cause of bee dysentery, and whenever this is present', in^thp fail lt. should bo Tombved. Honey . Is- ' a diff?rent 'character or sugar sirup'may be sub stituted;'Froher insulation wjll leb sen the .amousH Of toese stores that must bb. prbvitded, but lt is hardly possible Tor tho beekeeper io be ibo ?avi6h in thiS respect. , As was pointed out in .thc proyiOM-j article/ it is also impossible to gly?. I the bees too" ihuch protection, abd it' ls very rare that they are given enough. In the north *?e percentage of, colonies which receive, some fohn of protection is.very; high, but farther south the .protection ts only-occasion- , al, and then almost always Instit-' flcl?nt. As a result winter losses in the Southern tmd South Central States rango from 6 to per cent/ though the averages for Mississippi, Arkannaii, and Missouri aro all v.ell over 20 per cent, whllo In tho impor tant honey states bf Texas,- Colorado, Titni?, anfj Csliforhla the, averages 'r?b from 7,-to Slightly over 10. per . ?&f?-JI '^E^?xo Opinion of bee sp?cialiste, ?It ?mat^be .quite possible io.reduc^t?&{ ter losses to ??SB thou 1 per cent, by providing- aburidaht-'storca'?avid abim daat^dniialatt??;" .'T^?^ '^btrast -ty tween ibis goal and tii? ^'fcaH-'M*^ dUlObs as reported in #uHetia SSS ts strlking.-4W?ckiy News Jitter. every abd I1SII?H3, tno roxnfi'axners an? itu* en* irises havb ' lost' j&$i>-a^^b?^t?d f aiidrb, Jibverty; ; illness and tbe' *do*n br J?t? $t.Vi?.\:J^.b(8bn'*?? A?deraoh, gen ?ral agent for the Mutual Benet! t Ufo fu&ji^sldent bf the ?Ute Life Uu4<!r" wriierevt?^iatioh/Hffas 'a visitor' in ^lbb^bte r^ ord. ; "Y&?-.?can't attain without , p ??bndrodi or'others bellevte?'Vibat yen iderso? County UF??SUNC INSURAfl DISTRESS AND WANT OFTEN! CHASED AWAY BY GOOD POLICY GOES TO FAMILY Editorial From the ''Wisconsin! Agriculturist," Commends In surance Highly. Wo are not engaged in exploiting | lifo insurance companies, but wo . f ten wonder how many farmers c i ry life insurance for tho benefit of their families In caso they should be taken away suddenly and leave a -mortgage against th? home, or other obligations that might work hardship on tho widow and cniidren. We feel that it is every man's duty, who has a family and who is not in a condition to lea l them comfortably well off, to carr> life insurance. It does not cost such a very large sum to carry t*vo, three or four thousand dollars, arri lt is a fine protection. It is a safeguard and guarantees the family against want if anything hap ,pens to tho husband and father. ? , Life ls uncertain, and we are re minded of that fact almost every day. )TES ; *t v.. -\ ERTAIN VOE IS SURE .Wo-often' see distress und want that 4 might haye been aynided liad the head of Lin; family carried a' thousand or two of Insurance, . It ls best-always to bo prepared, to know thtit. those lef? to- bear th?' burden haye some protection, spine encouragement tb go ahead with life's work. ;) Wo liavo carried lifo insurance for thirty years aad wiBh that 'we ??ad more of it. It is an annual tax, just tiie same as wo pay on our homo or on the-farra. We havo never felt thu cost, however^ or Juibsed ihe-iucnoy. lt ls 'a part ot ' our 'yearly taxes and wo pay?jltvmoro cheerfully than any otlior obligation wo ?iove to moot. Wo always feel secure, for no mut ter what-may happen to us, that in surance IS.EO many thousand dollars in cash and it will go to tho family and to no one else. '.' Many of our subscribeT aro mem bers of tho.Modera Woodmen, - which ? furnishes very <;oo?? and cheap. Insur ance. The.mo?i?ily payments;Will in crease, however, as tho yaars'.gb by. It .will become more and mora expen sive ns one grows older, but keep up the payments, never allow tho;.policy to lapse, for you kiicw not what mo ment lt may bo\ needed, for th?r com fort of those you love and are?wurking for. , v.j?/: Wo carry tim limit'-in a fraternal order, but prize more highly. our policy in one of tho old line .life in surance companion where ti'.ib. annual payments will always be the:'samo. MORE INTERESTING THAN FICTION !. do O'Connor Sells Ryan Return ?heck from ?ie Great Beyond %' O'Connor called his friend Ryah on a July afternoon, just as Ryan came homo for supper from his day's work, with'.hfs; dinner pall. With characteristic Irish hospitality Ryan asked O'Connor to stay for sup per-a good atmosphere in which to create a bhekgrpund for life in surance.v .' V Supper was over and while tho wife was, clqarning away'the dishes O'Connor got Ryah out into the made on the front porch.' "N6w." said he to Ryan, "sit yo th?re in .that comfortable, rockin'. chair. It's a hard day's work.you've had today, and you're entitled to a good rest; and so.sit.yo down there and take your pipe and have the good smoko and be quiet and aioy and l'll^ all\the talkln', so ye can have the rest that ybuSre surely; earned ;the day." Aa^Ry?na?utGd comfortably back in his chair and began to jpuff fr,?im bia ptpofO'Cfonnor wontihl"^^-^^ :.> .-, ? ' h * ??h vTS*..' ^^"I^hiflnC^wJfo ye have, Ryan," said h?v "She keeps tho house thai <c??ab''iye.''h?igbV4i,9>?,-^ht?n the grand jnc#l wc had off the floor of thc altcheh itself. % Abd' it's a fine cook Bho i? and good mother to the fino children. . Thorpe many "a man1 with his millions Uvin' on the avenue. Ryan, that would* give.'.them all if he had the^ebmfort of such a homo as yours and tho ..fipe wife and mother.?-^ . . . ^s. Ryan .nfldd^, O'Conu?r cm a man goes fb^his. day's .wqfk, hftpr^ a. ?ic^.^?h^fa.st.that 'hie./^if?'.l?as cook?! ?pr^ to, him ot tho, door as ho leaves ih -the morhin' and gives h?m .th?) -n?c'o kla's,:on tko ch?ek;vit : glveB ariuan" a good^sioadrbJf for thb;day*R^:wbrk; aud .when ho takes but his dinner pall at nobb, o fter tho hot.' and; liafd/mprnin's wqrk^'ahd finds -the nico Jonch she- has put .lip .fqr> bini, 'w^ithj'a gbbd ' plfeco bf '.ap ple-pie ut the bottom, ?md he think a ot the home 11 o '? b e go In' to > he n [Vx?day'u -,vo?k f s o vor andthe.little children that^ill meet-bim nttho ffjobr- and ihrtrw. their- arms, around the legs, bf "Daddyvit's a^f^'!;man . that .ye bay? va/ righten' bo.;. And: when yotaite,'oWyour, cpgj^abd-'sit .'. dows '?n. tim annn?r ttlinfc. yo'ir -rotfo ? ?nfaTnrirt'?>t?'?f. flfft . ?hUhV?tv it'll in' their Daddy about tho day's Bch?o?ln'"and all their pranks and prattle, it gives ye a heart for tho' day's work and makes ye feel that lifo is W?rth w.h?lo." < ' As Ryan asscntiugly noddod his head, O'Connor continued: "Did ; yo ^eyer-think'. Ryan.-tbtft''th?'^tlmb-ydU'^c^n^'wh'en there will bo no '(?Itoke to como home on Saturdaynight:,:with th* pay ?uvelope for the .wife.? And that when .ybu'rb.yupi in Heaven,:, with - the blessed Virgin arid oil tho angels, that r tho Widder Ryan add tho M ttl o children will have no Daddy to seo off tb the morhln'. or to throw their arms around when bb come? hbmo. at night*f. And: when yo go bn tho long journey from .where you'll ^never .como caekyMlRo; what yrtll .become of tho w?dd?r abd the children with no pay Saturday night? ,It*a a sorry day, when tho man of tUo t?oso is taken away; au many a. strong man, Is, Mike, for, tho wldder.ono vhe little children who lov?" their;Daddy So much." "?' r'ir^ViV .': A sober look came over Dyana Jaco as/0"Cohjmr continued:. "And you think. Mike,"'"when/ye ..take that long trip .and, H?ttin% upi thero ?:;"^Heaven with all the angels around; yo look down, nt tho Httlo.hom? th?t S?as so'happy.-and yo see tho wife bad the little ^chiidrbnt w?ndof . in' what lo dh not .Only without Daddy-tout .without the pay envelope, v ; t^aTyob'li feei ye did Just the right thing-did all ye could? And do ?ya think that 'as the tyldder and tho childreitcom? one;by one to'greet ye tn Heaven and ye stand.by tho th* Golden Gate to meet them that, as they remember that Daddy took the long trip without lcayin' them - what he could hayo done for them to get along with ? little while they win grsefyo with. just as bright a smile*and throw out their nrms-to . * you culto as wide ? . And don't yo think ye'll be a1 little -ashamed i>r yburs?lf, Mike, that ye,should forego to db that thing?"" ; '.'?' i'^j?d, ;Mtket 'mahi when you're sitting- |n Heaven with all tho angel?,', suppose' obo';?'h:ou|d?win?-;ant1 touch ye On tho^sijoulder and tell ye to look down"ou ?urui, ui'iho. ??ii?brhomo ye left i-.ru; tbs v.--doer andtho. children and cay to ye:') . \ ././ -. *-,' "Mike, do yo .remember that insurance man O'Connor that sat on tho porch bf your houso one hot July^ttorbpon/and waa-uT-giri* yo to . leave a littlctsbriey that /would Udo oVer.'tl?? Widder and the. children . fo^a Utile wbile after Ve were gone.??" / v; "And ye will say, *I db.v. > "Apd'he will i?y; 'Mike*'-and you'll ?bb ^b.?ng?i'then, will? a halo on jfebr /head and.a harp in your bend-:and; he'll-Say. !Mike,M{d ye db ' itr aad'VyV might \ibm t? say: "\ - "*I did not.* And'If the angel Bhould say to you then: '* 'M?k?^^'?K.give y? jus^^ for yb io go ?b^n " ^s?gh then^-i-iHker;VohId ysvdO itn t hat ^b<t^-':ehaac? ? il M. M. f??rTisbw, G?NERAI; C. B. Tr?bb?e, . ' . Lil/ . w. ii.