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FARFLERS' INSTITUTE Full and Complete Report of the Three Day Session. A Large Attendance Despite Inclement Weather Much Interest Manifested. The Delaware Count, Farmers' Inst,- the wrong. suasion and can almost make a man be- tute was held Wednesday, Thursday and Friday of last week in the court house in this city. The attendance WSB large and the program unusually inter esting and instructive..,The beneficial resultB of these meetings can hardly be overestimated. Men of years of experi ence in their different lines give their ideas and thoughts on agricultural topics. More practical knowledge may be derived from an institute of this kind than from any other source. On account of the bad weather the attend ance was not as large on the first day as on the following ones. Rev. H. W. Tuttle opened the exer cises with a prayer and M. F. LeRoy delivered the address of welcome. Bo spoke of the advancement of Delaware county during the past generation and attributed the rapid growth to the far mers, and not to the people, who live in the towns. The villages and towns would be powerleBB were they to be de prived of the backing and support of the agricultural part of the community. He said that it was brain mixed with the soil that made this county pros perous. In response, J. F. Graham spoke of the hearty welcome always extended to the farmers by the people of Manches ter, and thanked them for their interest and good will. He read a paper BB fol lows: J. F. Graham's Paper. The mission ofitho'] Farmers' Insti tute is to give an impetus to do bet ter work and pursue improved nnd progressive methods on the farm, bv supplying practical information*based on study and experience. It brings together the farmers of the county and those interested, and enables them to consult in a practical way and from the standpoint of experience upon the various problems affecting the form both as a home and a busi ness undertaking, thus making tho views of each the property of all. In those progressive tiineB and under the close competition of today, brawn alone will not succeed in agriculture. It must be accompaniod by thought and skill, a trained hand and eye, aud wo should understand something of tho conditions under which crops food and grow best, how to conserve soil moisture, the constituents of the various feedB for stock, the rations beBt adapted to the various uses for which they are fed, the best manage ment of stock for profit, the best age at which to sell stock, the best fence (and it should be a tight fence), and above all how to make the best home and its environment and how to in culcato good morals among the chil dren—these should have our best thought and attention. We are interested in good schools. Tho township graded Bchool with tho township library and better teachers with better pay are coming, and are worthy of our best thought and ac tion. We are also interested in good roadB, and tho township road district, with a better system of making roads and better management of road work is coming, as also are the rural daily __ mail delivery and the telephone on "7 every farm. Let us keep in the van of the procession that is going our way, and work for all that is best, "proving all things and holding fast to that which is good.'' "Mutual Insurance" was the first topic on the program for discussion. O. A. Pierce was absent, and F. L. Durey was called upon, reading the following interesting paper: The question of Mutual Insurance was next taken up and F. L. Durey contributed the following: F. Ii. Durey's paper, .i5'5: Mutual insurance has been a success wherever it has gained a foothold. In this state it has passed from the exper imental stage, and occupies today a place among the solid, permanent busi neBB interests of our commonwealth. No state in the union has carried this idea of mutual helpfulness to so high a degree of perfection as has the state of Iowa A farmers' mutual company is for protection, while the old line company iB for speculation. It will be observed that the mutual companies are not or ganized to make money or pay salaries to officers, commissions to agents, or dividends to anybody. They are com panies that are organized for the pur pose of insuring the property of mem bers at cost, with but a small margin for expenses. ThoBe rendering service to the association doing it for a moder ate compensation which is based upon farm values for time and labor. Some people have misgivings about the safety of mutual insurance com panies, and they are alwayB more or less uneasy while their property is in sured in them. This is a useless fear when a mutual company is managed by honest and capable men. The com pany that is organized by farmers for a purely protective purpose and managed strictly on the co-operative principle is both safe and reliable. While of the company that has been organized for the purpose of giving its ollicers good places at fat salaries, there is always reason to be in doubt. Of course, the management of old line companies like a good grade of riskB,, but they put a lot of agents in the field whose business it iB to get the commission paid on the premium re ceived, and they are not going to be so choice in the kind of men they insure, just so tbey are the kind who will in sure. With farmers' mutual companies it is different. The solicitor will look at the character of the individual, and ihe character of his property. He iB inter ested in getting a safe risk, owned by a good, honest man. The moral hazard will be very light if proper precaution is exercised to keep the membership up to a high moral standard. The mutuals are not as liable to meet with beavv losses in single tire aB the old line companies, be cause they confine their business to rur al risks where one fire can cause no ex tensive 1OB8. Whereas, one fire in a city may destroy a vast amount of property for which a single insurance company is liable. It is as impossible for co-operative 1 mutual insurance to fail, as it IB for all the property of the entire earth to burn up at one time. v: It is a practical impossibility for a if'. Btrictly co-operative company to break BO that any member will lose anything. The question is sometimes asked, "Are mutual insurance companies BucceBS ful V" They certainly are, and the best •i proof of it is the fact that they are so often counterfeited. In this age of the world people do not go to the trouble of counterfeiting useless or unsuccessful things. And tbiB brings us to the sub ject of the two kindB of mutualB. HI The cooperative mutual, which is all right, and the counterfeit mutual, which is all wrong. It IB very necessary to W lieve that the moon is made of green cheeBe, if he don't keep his eyeB open. The co operative mutual insures its members, charging no rate at all and collecting no premiums or notes. Only a membership fee is charged and usually a survey fee in the beginning. And each member pays his snare of losses when they occur, and not until they do occur. Any company organ ized and operated on this plan is, almost without exception, considered safe. Counterfeit mutuals charge so much per hundred for insurance and take a premium note on which assessments are to be made, and sometimes the makers of the note are promised exemption from assessment, and then a time comes, when the company being cramped for cash, faiiB. No other re sult can be expected. The company that is organized for speculation and managed as a one sided mutual, will invariably fail in Ue purpose and will generally work no good to any memberB save the ollicers These failures of counterfeit mutuals give the agents ol' old line companies just the chance they are looking for, and they are not slow in telling of this or that mutual which has failed, not deeming it necessary to state which kind of mutual it was. The managers of the Farmers' Mut ual Insurance Co. conduct the business with no thought of gain to themselves. It comes under the head ol fraternal insurance which eliminates, almost en tirely, the practical idea of gain. In the last two or three years the rates of mutual insurance companies have been increased owing to heavy losses, but they are still away below those of old line insurance. 1 fail to find an instance where the amount of assessment in any year has exceeded the premium that would be paid for 8 policy of like amount in an old line in surance compau •-. The supreme court has decided that all moneys on hand in insurance companies shall be taxed The mutual will escape this extra ex pense because it does not have any money on hand. Cooperative insurance has saved the owners of farms millions of dollars, liefore its adoption farmers were pay ing 825 on a thousand. Old line com panieB still charge $15 on a thousand while the actual losses on farm property amount to about 35 on a thousand. And this year old line companies have made a raise on rural risks, while town property remains the same. In the towns and cities the old line [companies still hold sway, but in the rural districts they are rapidly loseiug ground. The D1 utuals will soon drive out the! Btocl companies in the agricultural districts. The co-operative mutual system is the safest, the cheapest and the most promptly paid insurance in existence. It treats its members with a spirit of fairness in the adjustment of losses too. that is not found in any old line com pany, which is working for oUicers salaries, agents commissions and divi dends as its primary objects, rather than the welfare of its policy holders. The agents for mutual insurance companies should be careful and pains taking, and capable of valueing pro perty, and only those should be insured whose interests are identical with those of the persons already insured. The adjuster should not be the man who does the insuring, because he might appraiBe too high in order to -give prestige to the company. Jle should be a man who understands the value of property and of labor, and is judge of human nature. If properly managed co-operative mutuals never fail. Every farmer, having had experience with the home companies, should be a missionary foi their upbuilding. There is still much to be learned in mutual insurance, as in almost every thing else. This is an age of progress and mutual insurance, will be still more simplified as the years go by. Willis H. Hogan, secretary and treas urer of the Dubuque County Farmers Mutual Insurance Association, read 1 paper on the same subject as follows: William Hogan's paper. 1 feel highly honored today to meet with you in a farmers institute, and to present some thoughts on Mutual In surance, and its work and possibilities It is possible only to one 5 who hat spent a lifetime in prosecuting a single purpose to a successful termination to realize the condition under which and the trials through which he has passed to crown his efforts with success. It is possible, therefore, only to one who has assisted in effecting great re sults by limited means, and Bhort years of effort to presume to speak in detail, or go beyond a mere cursary view of success. But we are happy to know that there are those who read the history of these organizations, to readily comprehend the fact, that many of our greatest thinkers have manifested much con cern, and have given time for thought to the principle involved. This gives us stimulus to greater effort, and renewed energy to accomplish more than has been done. In the nature of things the business of insurance is entitled to and should occupy as high a plane as any other. Its magnitude is second to that of low other lines of business. Its underlying principles are BB sound and wholesome in ethics, economics, and morals as any sort of business. The immense volume and reach of its transactions would naturally free-those engaged in it from all temptation to employ those disrepu table practices, means, methods, and tricks, that are associated in the popu lar mind with petty mean precarious traffic. Therj is, in fact, evory reason to believe that in and about the centers of population where the great bulk of all Insurance risks are placed, the busi ness is conducted on as lofty plans as any other large business. The fundamental basis of the busi ness of insurance is the doctrine of averages. It is this doctrine and the mathematical accuracy with which it operates, that distinguishes insurance aB a legitimate business from mere gambling. Nothing for example is less certain than when a given indi vidual will die nothing is more certain than the number of men who will die per thousand within a given time, ull of them being of a given age, in a given condition as to health to start with, aud living under a given set of conditions. Ihe same is true of nearly all the events of life, and the constant aver ages of sin, crime, misery, misfortune and suicide, and is also true of all losses by the various caesualties of life,such as lire, lightning, hail, tornado and even of embezzlement,to which the principles of insurance have applied. There is scarcely an industry of im portance in the prosecution of which co-operation'has not been an element of power, and tower of strength. Its uniformity of method when applied to lire insurance has without doubt wid ened the acope of its operations, in creased its prosperity, and helped to make it vigorous and strong. The mutual begets faith that when a loss comes, you will get satisfaction in set tlement, because your friends and the welfare of the farmers, that they neighbors will attend to the adjusting, be able to distinguish the right from It is not surprising that co-operative |gfg insurance companies have been organ- ditions with conditions existing thirty hvj farmara mnfnal notfn/it'inn A ized by farmers, for mutual protection, and neither is it surprising that they have,in a majority of cases, proven suc cessful. With the expense of rent, fuel, lights, ollicers salaries and agents commissions eliminated, and the risk from loss reduced to the lowest point by detached farm buildings, with no cause of incendiarism, to prevent or conceal impending bankruptcy, and the vigilent eye of the owner on d'uty con tinuously, the safest and best insurance for a farmer is in a mutual company whose members are farmers and ownerB of the property insured. When farmer's mutuals were first organized, it was Baid of them, that farmers did not know enough to carry on an insurance busii eSB, and they would soon go down. Later -n thoy were found to be very succes8tul, and some of the most suc cessful companies in existence today, have been organized and managed by farmers. The mutualB have come to tay, aud they can be made tho cheap est companies if they are properly conducted. The best will be the cheap est, and only the best is good when we are considering insurance. Farmers want iusurance that insures. The farmer should buy his insurance the same as he buyB everything else, where he can get the best article for the least money. Some of the best farmers will peek into the room where the meeting is being held, feeling that they would like to enter the room it had only left their pocket book at home. They know tho men who are organizing it, and know them to be all good men, but feel that they are the dupes of some sharper who has turned up in the county and tanght some strange doc trine. These took hold of it later on. and afterwards became the most en thusiastic workers in its behalf. OT The reason that co-operative mutuals are less expensive, is that on an average they return sixty-seven per cent of all monies collected, while stock com panies return only about thirty-seven per cent. It only takes thirty. Three per cent 10 pay expenses in a co operative mutual, whileit takes sixty three per cent in a stock company to pay expenses and dividends. It lias been an enigma to me why man dovs not apply the same business saga-.uty to insurance as he doeB to eveiything else, and buy where he can get the best article for the least money. N 0 one who has given mutual insurance an impartial trial, is willing to give it up for something not so good. Every sensible man is willing to give it up for something better, but, so far we have found nothing in insurance lines any better. 1 do not know of au assess ment ever being collected by law suit, In order to promote the organization we must get men that will work at sacrifice sometimes in canvassing, to secure the work aud pay another time, and be repaid for their lost time. To show what we as mutuals have to contend with. 1 will give you a sam pie. The agent of an old line company, went to a neighbor of ours to take his application, as his expiration occurred in the near future. The neighbors told him he was going in the D. C. F. M. Association. Theagaut elaborated the danger of extraordinary assessment, that would be enough to break him up Tho man said it made no difference, he promised the trustees, and he would not break his word. The agent offered to insure him for 810 what hej'charged him $50 for live years before, then offer ed for 830, and finally for §20. Thi man ordered him out of the house witl the assertion, "you have robbed me of thirty dollars the last five years and would do it again if you could, for you can insure me now for Uve years you could have done it then. Our trustees went to a widow lady. The old line agent had charged her2}£ per cent for five years 011 a greater valuation than her property WBB worth. A neigh ijor gentleman paid only IJ4 per cent for five years on a valuation. Our D. C. F. M. I. Association was organized and commenced business June 12th, 181)1. In 18SU with a small amount in force we had losses that made it cost us 86.00 per thousand for one years insurance. We that were pro moting it, oupposed the association would wind up. One of the largest farmers paid S34.00 assessments 81180000 insurance. Quite a number paid 815 to 325 assessment. They Baid we have to pay this years losses, if an other year comes like this, we will pay and cancel. Next years loss was $10.00 only. .No asBessment. This is the first year we are free of 1894 cost, in the live years estimate. This year our ex pense reckoning for five years past 88.29 on S1GOO. We collect 84.00 fee on applications. Two trustees take the applications, they receive 83.00. Policy fee S.50. Contingent tee 8.50. The policy fee pays the secretary for his services. G. W. Long, of Delaware, read the following interesting paper on the Ad vanced Farming from Knowledge Gained at Our Institutes: *. IV. Pupcr. AB an educator, what can compaen with our Farmers' Institutes? Humra knowledge is very limited aud must bo obtained, as a rule, by observation and experience, obtained by slow progress and by each individual, but in our Institutes wo have been able to combine and apply the knowledge of largo numbers of live, wido-awake, progressive farmers who have cheer fully given in plaiu, comprehensive, but easy lessons, the results of their experience from time to time. Meth ods and means employed have been recited and successes and failures have been honestly given and thus tho needed lessons of "how to do" and "how not to do" have been very im pressively taught at every session of our Institutes, and tho most ordinary observer cannot fail to see that tho teachings have produced good aud lasting results. Many young farmers and their wives have attended the meetings of our Institutes with note book and pen cil constantly in hand, aud the valu able and what appeared to them prac tical features of tho discussion were noted down for future reference. How to preparo the land, how to plow, how to plant, how to cultivate, how to gather crops, and liow best to feed out or markot tho crop, and many, very many other subjects were duly noted down during the sessions of the Institutes, to bo remembered, to bo studied over aud to bo experi mentally and practically applied in thoir work in future years. And all this came to young men seeking knowl edge, in language easily understood and readily applied. There can be nothing humiliating to listen to a pi oneei farmer as ho recounts his exper iments tho past years. Even though his methods have not been attended with tho profitable results he hoped for, the lesson has not beou lo6t. He might be able to tell, with greater pride, of his successful achievements, but "how not to do it," if heeded, has saved others tho time aud oxpenso of similar failures. While we do not pretend to attribute every advance movement among farm ers during the past SO or 40 years, to knowledge gained at Farmers' Insti tutes, it will bo admitted without ar gument that tho Institute lias indeed been a most potent factor in guiding aud instructing farmers as thoy eager ly pressed forward with gigantic strides to higher and grander achieve ments. The legislator, tho merchant, tho inventor, and the votaries of ev ery legitimate business havo been con strainod to listen and heed his argu ments, and have caught an inspira tion from him that has led, and is still leading on, to higher and better achievements. Who can give figures that will in any measure roprosent tho value of our Farmors' Institutes, oven in tho limited territory of our own county? Take any single branch of agricultur al industry and oompare present oon* "forty years ago."Our horses havo improved 30 to per cent, and are fnvoritos in alljtho^lnrgo'cities.'' Our cattle have's shown equal improve ment. Hogs ,'sheep and poultry havo advancod 40 to 50 per cent, iu quality. All thoso are established facts and ill not bolantagonized. The value and good influence of the'Farmors' In stitute can hardly bo realized, "even by mauy of thoso who enjoy its bouofits. Our creameries, which are turning out, to so many families, such a royal income, furnishing food and clothiug, and placing such a large per cont. of our people out of the reach of want and suffering, have come to thoir present stato of efficiency largely through tho interost and knowledge promulgated at our Institutes. Wo have encouraged experiments, have landed successes, we havo denounced cruelty to dumb animals, and havo never failed to reward indus try and morality. If our teachings havo resulted in such grand achieve ments in tho directions wo have been working, if the land has vielddd groator and hotter crops, if by kind ness and more intelligent treatment our animals liavo grown better and havo producod better results, if hu mane and thoughtful management of those things over which wo have ex orcised our stewardship has added to our wealth and has brought comfort, joy, happiness aud prosperity to our household, and to our neighbors, toll me, follow workers in tho grand and noblo work of advancement, is our ork douo? You who have Btood shoulder to shoulder with mo for so many years, toll mo, is our work yet dono, or shall wo marshal our forces and build a citadel that will protect the rising generation from pernicious habits? Wo havo devised ways and moans to secure better results in the matorial things around us. Wo have presented our grievances to tho legis lature and our prayor was heard laws were enacted, but it still remains an opon question, How can thoso whole some laws bo enforced?" All tho world will bless the name of the man who will invent ways and means to onforco wholesome laws. The subject of Good Roads was taken up and diBcussed by ri. P. Carter, of Hopkinton. He thought that more and better improvements on our roadB should result when such great amounts are yearly expended on them, and that this might be more easily accomplished If road building were systemized. In building dirt roads they should be well rounded, and of good width, the dirt be ing carried from the outside to the can ter, leaving good size ditches for drain age on either side. Culverts should be placed at frequent intervals to allow the water to cross tho road. Of the several kinds of culverts the speaker preferred sewer pipes as they seldom get out of repair and are not easily broken by heavy loads passing over them. In a hilly country a wider road bed is needed than in a level one. He contended that advancement will demand better roadB, ones that are good the year around and during all seasons. Gravel and crushed rock are used to the best advantage for top dressing the roads. Road construction should be regulated by the county supervisors and for the whole county as a district and not de vided among the several township road supervisors. The main traveled roads should be the best improved, because improving them benefits the most peo ple and it iB for that reason that the taxea are levied. The town people co operate with the farmers in improv ing roads. Good roads make transpor tation cheap. He explained that if the $25,000 that is annually expended on roads in this county were spent in macadamizing the roadB, it would take only five years to macada mize the 122 miles of main roads in the county at a cost of 81000 per mile. T. G. Harper, of Burlington, Presi dent of the Good Roads Society of Iowa delivered an address on that subject. THURSDAYS PROCEEDINGS. The morning exercises opened with an invocation by Rev. H. O. Tratt. Hon. J, R. Sage, of Des Moines, Di rector of Weather Bureau, gave a short talk on Mutual insurance and strongly advocated grounding a wire every few rods on all barb wire fences, because 09 per cent of all the cattle killed by lightning were killed by being in di rect contact with wire fences during electrical storms. John Georgeon, of Rockville, and Hon. ii. i\ Norton, State Dairy Com missioner, discussed Dual Purpose Cat tle and contributed several interesting Ideas in their short talkB. It was agreed that it was more profitable to feed a dairy cow than a beef animal, because the feed that it takes to make one pound of fat will make several of milk and butter and the latter bring much higher prices. MIBS Anna Clark, of Lamont, next recited a very pleasing recitation. J. R. Sage spoke xn Iowa Soil and Climate. He Baid that the English lan guage was lacking to describe Iowa's soil and its resources. The only means of arriving at any conclusion is by comparison with other Btales. The soil is marvelous. Iowa is situated in a great trough between the Rocky Mountains on the west and the Alle ghauys on the east Both endB were open, Hudson bay on the north and the Gulf of Mexico on the south. Iowa is situated in the very heart of this great territory and the soil lirst started in the geological ages, when great glaciers moved over this trough and ground rocks into a line powder. This is where the soil got its start and has been improved for ages by receiving decayed vegetation. The speaker said that statistics proved the fact that Iowa soil produced more in cash value than all of the gold and silver mines in the world combined. The 6oil is pre served by dry weather and the reason Iowa has such good land is on account of the fact that it has a balanced amount of rainfall. He contended that a severe drouth was good for land and that it was always more productive after long dry periods. James Bishop next read a paper on Does it Pay to Shred or Cut Corn Fod der for Stock with the present Price of Hay and Grain. Continued on extra page. Hro at Iowa City, a. Iowa City, la., Jan. 15.—Fire de stroyed otic of the principal business blucUs, emailing a 1U.SK estimated at *ir»o.IKMI. Ihe linns burned out are i'rice. Kieil) & Co., jewelry Mrs. J. W. S. Jlnrno, dry goods George W. Leners, grocer. The second and third liooi-s were occupied with otlice rooms. Wcll-Kiiimn Iowa riiyNirian Dead. Muscatine. la.. Jan. 13.—Dr. A. A. Cooling, for thirty years a practicing physician at Wilton Junction, la., died Thursday o' pneumonia, after an ill* DOBS of ten days. •p939&S99&g County Correspondence. COGGON. Miss Inez WneeleBs has gone to IIop kinton to attend school at Lenox Col lege. Miss Eva Campbell has returned from several weeks visit with relatives at llopkinton. S. 1. Lyttle spent Sunday at 1 "(de pendence with his wife, and reports her condition a little improved. M, J. McEnany has sold his liv ery business to Frank Henderson and Charley Long.The new firm name will be Henderson & Long. We did not learn what Mike intends to engage in. Miss Abbie Vinton, teacher at the Stone school house, wisheB UB to state that the report about some children try ing to set lire to the school building was not BO bad aB reported. Two children, whose parents were going to move from the neighborhood, went after their books, and while there got to playing with some keroBene and spilled some of it on the door stepB and then carelessly set a match to it, but without any evil intention. They did not destroy any books as was also reported.—Monitor. EARLVILLE. Henry Staehle, who is attending Hay less Business College at Dubuque, vis ited bis parents over Sunday. Mistletoe Camp of the Modern Wood men met to reorganize Friday night at the I. O. O. F. hall. J. C. Nieman was a business visitor at Manchester several days last week. H. illen and wife, of Greeley, vis ited their sons here last week. They expect to move here in the spring hav ing sold their property in Greeley. The gentlemen's literary society and debating club, which has recently been organized here, will hold their first meeting at the I. O. O. F. hall on Tues day evening. The question: "Resolved, That England Had Sufficient Cause to go to War With' the Boers," will be affirmed by W. I. Milien, J. B. Swin burne, J. H. Klaus and \V. JI. Parker, and denied by Geo. Staehle, Sr., B. .1. btill S. W. Klaus and H. J. Vanfleet. Nat McGiilin, who has been visiting his son, Donald, at J. B. Swinburne's the past two weekB, left for his home in Montana Friday. Miss Kate Commerford spent Satur day at her home in Manchester. County Treasurer L. Matthews and wife were visiting at W. W. Matthews' Monday. Harry Wilson, of Greeley, WBB iu town Tuesday. He is on the road sell ing laces and dress trimmings, J. S. Knowles was a business visitor here Tuesday. Mrs. Niedorf went to Waverly Wed nesday morning to visit her son, who is a printer at that place. Ernest Dittmer, who is now living at Burt, was in town Saturday. He will visit his son, George, near ColeBburg several days before returning. H. G. Milien attended a meeting of the republican county central commit tee at Manchester Tuesday. Albert Staehle visited friends at Man chester Monday and on Wednesday he returned to Burt, la. Charles Staehle arrived home from Burt, Friday. A bob party went up to Mr. and Mrs. Will Dudley's near Manchester Thurs day night. The party consisted of MisseB Grace and Ruth Hersey, Emma and Bertha Staehle, Will Cattron,Emor Milien, and Mr. and Mrs. Willis Ben der. Mrs. Baldwin and daughter, May, of Palmira, Neb, are visiting at J. A. G. Cattrons. Frank Plank, of Winthrop spent Sunday here the guest of ReT. H. Foote. 1ELHI. v.'-'" Merritt Blanchard, of Illinois, visited at the poor farm over Sunday. Frank Smith, of Sand Springs, is vis iting his parents in town. Henry McLaughlin, of Clinton, was renewing old acquaintances here laBt week. Ed McGuire, of Marion, spent Sun day with his sister, Mary Sherman. Ed. McMullen transacted business in Farley Friday. Maggie Fraser is visiting her sister, Mrs. Mason, in Hopkinton this week. Mr. and Mrs. Chase returned to their home at Postville Wednesday morning after a weeks visit with their son, A. L. ChaBe. Erwin Stone is attending a lumber men's meeting at St. Paul this week. Mrs. Etta Griffin is visiting her sister, Mrs. Stoner, at Edgewood. Gene Morgan had quite an accident while cutting wood last week. He cut his foot in such a way that it was nec essary to take eight stitches in it. The telephone has been moved in to 11. J. VanAntwerp's building. The Ladies Aid Society will meet next Wednesday, January 24, with Mrs. (. D. Stone. The M. B. A. lodge realized about thirteen dollars at their supper Friday evening. Captain Allen, of the 4ttth Iowa, and Frank GaiTney, of Independence, and Dan HenneBsy, of Manchester, were in town on buBiness laBt Wednes day. Bert Pulver and MISB Olie Smith were married last Thursday evening, Jan uary 18, at the parsonage by Rev. Salis bury. Their many friends extend hearty congratulations. Mr. McCormick, who has been uiling a long time is worse. Mrs. Fred Morgan is visiting rela tives at Edgewood. Grace Myere is working at Willard's, south of town. John Smart has moved onto the Phillips farm eaBt of town. Mrs. Wilcox, aged ninety-three yearB, died at the house of Bryce Saun ders last Wednesday night. The fun eral was held at the Bay church on Fri day afternoon, Rev. Salisbury officiat ing. Little George Boomer is on the sick list. The meetings at the M. E. church are still continuing. Mrs. Carbart was here Thursday in the interest of the OrphanB' Home at Des Moines. The opening of the Eureka restau rant will be held Monday evening, Jan uary 22, when an oyster supper will be served. Mr. and Mrs. F. A. Doolittle and Mrs. Heath attended the poultry show at Z- ST-+ f' Cedar Rapids last week. Fred bought a trio of l'atridge Cochins. A. E. Shelden, of Coggon, was in town Saturday. EDGE WOOD. Mrs. Tear went to I.aOrosse, Wiscon sin, Saturday for a visit with relatives there. New high school scholars enrolled are Henry May, Earl Rulon, Myrt'e Longhurst and Forest Alcorn. Mrs. F. E. Morgan, of Delhi, is visit ing here with Mr. aud Mrs. Charles Morgan, this week. Mr. and Mrs. II. 15. Willard were at Hopkinton the Drst of the week to at tend the funeral of Mr. Willani's brother. Mr. aud Mrs. A. .1. Peters left Friday evening for a visit with relatives in Iowa Falls. From there they go to Qulmby and othor points in the west ern part of the state. The stabbing affair begun before ludge Wooldridge. in which Alouzo Curler was charged with stabbing Wm. [look, has been withdrawn, for the reason that Hook was not able to at tend court to testify. 1.1'. GateB has now nearly completed setting up his engine and boiler in his feed 11 and it will not be long before the burrs will be put in place and set in motion. Mr. GateB expressed himBelf as highly pleased over the proBpects of putting in an electric light plant in the spring, and says that as far as he has talked the matter over with the busi ness men and residents there is every evidence for good support in the enter prise. The case of the State of Iowa vs. Chas, Leighty, who was arrested for assaulting Mark Appieton, was tried at Elkader last week and was stoutly con tested for nearly three days. The jury were out about two houtB and returned a verdict of assault and battery, the fine for which is not to exceed $100, or imprisonment for thirty days. He will receive his sentence the last day of this term of court. Monday night at about one o'clock Mr. John Hageman was awakened by smoke and lire in his home in the C. F. Hesner building on Main street. lie found that Mrs. Hageman's clothing and some otherarticles near by were on lire aud that the wood work was also about ready to burst into flames. Pro curing a pail of water, he succeeded in extinguishing the flames before much further damage was done.—Journal. LAMONT. J&inea McAllister, of Chicago, IB visit ing in the home of R. McAllister. Mrs. Gmiua Flaucher and daughter, Vera, vinitcd iu Oelweiu last week. Miss Libbie Sheffield who were viBlt log at Apple liiver aud Dixon, 111., the last month, returned home Jan. 13. A. J. Pease, of Strawberry Poiot, was a business caller Tuesday Jan. 16. T. W. Rogers built a nice wood house adjoiuiog his residence last week. O. O. Kenyon went to Decorah on busi ness last week. Fred Allensteln was a passenger to Oelweia Tuesday, Jan. 16. MeBd&ines Lydia and Frances Franks departed on Wednesday last for Oelwein. They will visit with Mrs. John^Kintfa and other friends for five or six days. Calvin ROBS was numbered with the sick last week. Miss Emily Rolf returned to her home in Waterloo Wednesday. Mrs. Palmer accompanied her home. Rev. CharleB Dean, who formerly held revival meetings here, preached Sunday morning and evening and Monday and Tuesday evenings in the Baptist church in the interest of temperance. Saturday, Jan. 13th, the G. A. R. Post installed their oflicers for the ensuing year at the home of C. N. Bennet. The families of the members were present and enjoyed a good dinner and also a good time. The G. A. R. entertainment Saturday evening was a decided success financially and otherwise. The house was packed. The sum of $24.00 net, was realized. Mr. Kruger, of Chicago, visited at the home of John Pemberthy Tuesday and Wednesday, of last week. Mr. James Sauerbry and wife, of Straw berry Point, visited at J. J. Ilesner's last week. The old Bush house, just opposite the depot has been removed to the Bush farm last week. The German^Lutheran people are pre paring to erect a new church in the spring. Miss Agnew, of Oelwein, came Satur day morning to visit her friends in La mont and attend Superintendent Lille meeting, Saturday afternoon, January 20. Ira Hutton was a visitor Friday from Greeley. He returned home Saturday. Harry Burton, formerly of Burton's Comedians, is in Lamont and Is helping to organize two home talent plays, to be given in the interest of the Royal Neigh bors. Mr. Burton is leading comedian, and under his management the plays will be a success. Ills wife is in Lamont with him. "Ned, the Waif,' Friday evening, Jan. 26th and "Mable Heath" on Saturday, Jan. 27, at the Lamont opera house. A very pleasant and enjoyable social F. W. Baptist was held at the home of MrB. Elliott Wing Tuesday, Jan. 16. John Flaucher, Jr., sold the Central hotel to Royal Sharp on Tuesday last. Mr. Sharp will build on In the spring and make the hotel much larger. Mr. Splcer will cootlnue as manager. George Bracher and Fred Kleineorge were passengers to Minneapolis Tuesday. Dan Sheldon has bought the G. A. Starr residence hi the north part of town. Consideration, $1,500. The Literary Hub met at the home of L. D. Lauimou, Mouduv evening, Jan. 22. Subject: "People That Have Helped Make the Ceutury Great." Lamout Woman's Club, will meet with Mrs. Lottie Elliott Friday afternoon, Jan. 26. Subject, "Klmberly Mints." Maud Penberthy, Transvaal AUce Dur ham, President Krueger Mattie Flau cher, Manners and Customs, Josie Black burn From a Boer Standpoint, Eva Hoff man From a British Standpoint, all members. L. T. Travis, Agent Southern R. R, Selina, Ga., writes, "I can not say too much in praise of One Minute Cough ure' „In „my C8Be !t worked like a charm. The only harmless remedy that giveB Immediate results. Cures coughs, colds, croup, bronchitis, and all throat and lung troubles.—H. C. Smith. If fortuue disregard thy elalm J)ou't liaoR thy head iu fear and shame UdotttMrt. sttv- .k&' Wayfer The new •wafer is just right (just crisp enough, just sweet enough, just gin gery enough) and the sealed, air tight package keeps it just right until eaten. Ordinary ginger cakes and cookies, sold in the usual way, get moist and soggy in damp weather and hard and tough in dry weather. Uneeda keeps fresh and deliciously crisp and tender. Its high quality is assured by the fact that it comes from the ovens which bake Uneeda Biscuit. Made by NATIONAL BISCUIT COMPANY, WhJeb owns the registered trado mark UnaedSi IIIMIMmiHmHmCIMIMHWMMIWIIIll wot is money earned and in purchasing lum ber and coal it is jUBt as easy to get what you want from a large dealer as a small one. We buy in large quantity and for cash, and can furnish anything in onr line—better quality—for less money than a small dealer can —a fai price iB all that we are aBking. Look at our line before purchasing elsewhere we can surely save you money. HI IIM U, Phone 156 Manchester, Iowa ao- IcwowjWe MewrisiA hui tafoytW -MtfefaAwk aim*, xvni /mam— FOLEY'S BANNER SALVE is a Healing Wonder. GREGG &d iSgiS-S! fr ANEW LINE Of the latest statiouery just received. Blank Books, Bill Files, Letter Files, Diaries, etc. Start the New Year right aid E keep books. Come in and see what we have. ANDERS & PH1L1PP. CENTRAL PHARMACY. SOMETHING NEW ID Tank Heaters iaa All Cast Iron. NO Rusting Out. Burns all kinds of Fuel. Ashes can be removed by lifting the grate. 8. Lister I 7s & zi Healers '5J i)