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
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
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
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
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
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
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.
The cooperative mutual, which is all
right, and the counterfeit mutual,
is all wrong. It IB very necessary to
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
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
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
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
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
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.
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
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
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
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
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.
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
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
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
*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*
Miss Inez WneeleBs has gone to IIop
kinton to attend school at Lenox Col
Miss Eva Campbell has returned from
several weeks visit with relatives at
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.
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
Miss Kate Commerford spent Satur
day at her home in Manchester.
County Treasurer L. Matthews and
wife were visiting at W. W. Matthews'
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
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
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
Mrs. Baldwin and daughter, May, of
Palmira, Neb, are visiting at J. A. G.
Frank Plank, of Winthrop spent
Sunday here the guest of ReT. H.
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
Ed McGuire, of Marion, spent Sun
day with his sister, Mary Sherman.
Ed. McMullen transacted business in
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.
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
Captain Allen, of the 4ttth Iowa,
and Frank GaiTney, of Independence,
and Dan HenneBsy, of Manchester,
were in town on buBiness laBt Wednes
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
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
Little George Boomer is on the sick
The meetings at the M. E. church
are still continuing.
Mrs. Carbart was here Thursday in
the interest of the OrphanB' Home at
The opening of the Eureka restau
rant will be held Monday evening, Jan
uary 22, when an oyster supper will be
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
Mrs. Tear went to I.aOrosse, Wiscon
sin, Saturday for a visit with relatives
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
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
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.
J&inea McAllister, of Chicago,
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
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
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
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
"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.
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
L. T. Travis, Agent Southern R. R,
Selina, Ga., writes, "I can not say too
much in praise of One Minute Cough
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
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.
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
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
MewrisiA hui tafoytW -MtfefaAwk
aim*, xvni /mam—
FOLEY'S BANNER SALVE is a Healing Wonder.
Of the latest statiouery just
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.
All Cast Iron. NO
Burns all kinds of
Ashes can be removed
by lifting the grate.
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