The intelligencer. (Anderson, S.C.) 1915-1917, December 01, 1915, Page PAGE SIX, Image 6
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.