c-i [l ----.
Made from the very best grade of ma
terial and constructed by the most
experienced workmen. Blades mount
ed on finely-finished stag and ivory
handles. Just the thing for her pres
Price $1.25 to $10.00
For the boy or girl who wants a Flex
ible Sled at Christmas. We have them
in several sizes, made strong and dur
able. They stand the knocks.
Prices 75c to $7.50.
Make the finest coffee as well as most
useful Christmas Gifts. Our line of
Percolators are the celebrated "Roch
ester" make- They're nickel-plated on
copper. Come in and see them.
Price $2.00 to $5.00.
FAIR AND COLDER.
Bismarck .. ..
Calgary .. ....
Devils Lake ...
Edmonton .. ..
Moorhead .. ..
Qu Appelle ....
Wiliistpn .. ...
Winnipeg .. ...
Qhieago .. ....
ansas City ...
28 24 -6
28 24 -8 62
20 12 -2 48
28 28 _o 40
22 20 -2 44
88 32 -2 38
42 -2 56 1.06
H. R. GRASgrc. Soeclal Observer.
According to an English scientist X
rays are the most extreme rays at the
of the Bpoctmm.
For sale by quarter or any size at
less than wholesale, 1014% Fourth
How to Simplify the
Three and four-piece Scissor Sets, in
cluding one pair 6-inch Ladies' Scis
sors, one pair 3VS inch Embroidery
Scissors, one pair 7-inch Cutting
Prices $1.25 to $6.25.
09ME!LL HARDWARE! COMPANY
A Hardware Gift a Gi/t of Service
Prli»y, Dec. 6.
Christmas sale by ladies of First M.
Saturday, Dec. 6.
Christmas and cookery sale by lad
ies of First M. E. church.
Monday, Dec. 8.
Concert by Orpheus Singing society.
Wednesday, Dee. 10.
Friday, Dee. U
Kent Literary society entertainment.
Saturday, Dec. 13.
Dakota conservatory, recital at Civic
Fargo conservatory, normal demon
stration, 2 p. m., at Stone's music hall.
Monday, Dec. 15.
Meeting Men's club Gethsemane cath
edral at Civic center hall.
Monday, Dec. 8.
Regular meeting Knights of Pythias.
Monday, Dec. 22.
Regular meeting Knights of Pythias.
Tuesday, Dec. 9.
Dakota conservatory recital at
Stone's music hall.
Hemes For 8«lt.
Several head of heavy horses and
drivers for sale, or will exchange for
cattle. George D. Brown, Wild Rice,
He'd a Good Show.
Washington Star: "Do trouble about
bein' a good loser," said Unci© Eben,
"is dat too many folks Is liable to git
in de habit of wantln' to see you per
Avoid the bother and risk of carrying
on your person, by opening a checking
account with this bank.
When you make a purchase,
merchant a check for the exact amount,
counting money or waiting for change.
Fully 95% of the business done in this
country is done by check. You can use this
convenient method—come in and open
checking account in the
Don't Miss It! Coma/
It is a free, educational exhibit,
demonstrating not only the effi
ciency, economy and beauty of the
—but it will enlighten you in an un«*
uected manner on the proper care a*W,
easy availability of your books.
You are cordially invited to attend
Btrgitrem & Crowe Furniture Co.
208-212 Broadway, Far go, N. D.
.*§•&» ^br 4k «®®&«es
think it is good business to buy goods that you can use for years to come
rather than butterfly goods that are worthless.
Here are a tmr suggestions for gifts that will be a permanent improvement in the home.
Spend your money where it will count for comfort and give lasting enjoyment. Our store Is full of
just such things. Come in and let us help you with your Christmas shopping.
There is no better time than now to make
your selection for Christmas Gifts. We
We are showing a fine line of Crumb
Trays in Nickeled and Brush Brass,
with brush or scraper. These are
handsomely designed and make appro
Price 35c to $2.25
Made from White China, Guernsey and
La Silicite Earthenware. These are
mounted on and trimmed with the
"Royal" Nickeled Mountings- You
should see this line before buying.
Price $2.00 to $5.00.
To the man who shaves we offer a
complete line of high grade Safety
Razors to choose from, including Auto
Strop, Gillette and Durham Duplex.
Price $1.00 to $5.00 Each.
FARGO, N. D.
CITY IN BRIEF
For good photos see Erlckson.—Advt.
Erickson photographs everybody.
The gift shop of Ruth L. Pelton at
Holderman's Hat shop—Advt.
The complete shop, engraving, print*
tng, blank book. Knight Printing Co.
Engraved and embossed work of
•very description. Knight Printing Co.
For rent, fine suite of office roomsi
centrally located. Large vault. Wal
ker Bros. & Hardy.—Advt.
Seven per cent paper for sale. North
Dakota towns. Inquire James Ken
nedy, No. 1 Broadway.—Advt.
There will be no services at St,
Paul's Lutheran church tomorrow.
Announcement will be made of the
service® to be held Sunday next.
Judge H. F. Miller goes to Devils
Lake this evening to deliver the
Memorial day address for the Elks
lodge of sorrows there tomorrow aft
The annual meeting of the Woman's
Belief corps will be held next Monday
afternoon at 2 o'clock, when there will
be an election of officers for the en
The services at the Glad Tidings
mission tomorrow will begin with an
early morning prayer meeting at 7:45
to which all christian people are es
An error was made in presenting
the list of officers for the Modem
.,««iiiernood of America. The presi
dent is Frank W. Johnson and Arthur
Nordhaug is trustee.
Is your printed matter on the trail
of thoee customers whom you wanti
to round up this holiday season? IC
it hasn't started out yet, better comei
and see us quick. Walker Bros. &
Come and see our demonstration oil
the latest invention, the Controlafire.
It is guaranteed to save one-third of
yaur fuel bill. Thirty days' free trial.
The Modern Supply Oo., 621 N, P.
The strong wind this morning wast
instrumental in blowing out a stormi
window which was insecurely fasten
ed in the front of the Arcadia Candy
store. Passerstoy narrowly escaped
being struck by the big frame as It
John C. Whitney, manager of the
Fargo branch of the Mutual Life In
surance Co., of New York, will leave
the city tonight for New York to at
tend a meeting of all the branch man
agers of the company, which will last
for a period of ten .days.
John Cooper, former alderman from
the Sixth ward and who has operated
dray line in Fargo for many
left today for New York where he
Will sail Dec. 13, aboard the Olympic
for England for a visit in Yorkshire,
until next March when he will re
turn home. His daughter, Miss Verna
Cooper, accompanied her father as
far as Chicago where she will visit
the family of her uncle. Robert
W. H. White, H. P.: The election of
officers will oecur on Monday evening
at etatdd convocation, after which the
Royal Arch degree will be conferred.
Come out and enjoy the evening with
W. T. Johnston, Commander: Stat
ed conclave of Auvergn© commandery
Tuesday eivening at 7:30 o'clock. Work
on the Order of the Temple at 8
o'clock. Try and be present early.
Study in Seriousness.
Washington Star: "That ponder
ous person takes himself very serious
"No," replied Mies Cayenne. "He
doesn't take himself seriously. He is
merely trying to persuade others to do
FOR STATU NEWS BEAD THE FORUM
THE FARGO FOBTJM AND DAILY liJSFCTBLICAN', SATURDAY EVENING, DECEMBER G, 1913.
NEW NORTH DAKOTA TEACHERS'
INSURANCE AND RETIREMENT
FUND, WHICH GOES INTO EF
FECT JAN. 1, CONSIDERABLY
CRITICIZED BY INSURANCE MEN
Tho North Dakota, teachers' insur
ance and retirement fund, which on
Jan. 1, 1914, goes into effect, has been
the subject of severe criticism in Far
go insurance circles and by people
The new law provides that "in be
coming a teacher in the public schools
after Jan. 1, 1914, he or she shall be
conclusively deemed to join the fund
and to undertake and agree to pay
such assessments, and to have such
assessments deducted from his or her
salary as herein provided."
The North Dakota law is largely
copied after the law now in effect in
Wisconsin where annual levies are
made upon all pubiic school teachers
for^the general state teachers' retire
ment fund. The assessment amounts
to about per year. A teacher
paying into the fund lor about twenty
five years would have paid altogether
$375 and after retirement would be
entitled to receive that amount the
rest of his or her life.
"Swindling the teachers of the coun
try by compelling them to contribute
to unsound schemes which can omy
pay a fraction of their obligations,"
said a prominent Fargo insurance man
in discussing the new law today, "ap
pears to be quite the rule rather than
the exception. In Wisconsin the
teachers' pension scheme is so bad
that a bill has been introduced re
pealing it altogether and distribut
ing: the teachers' retirement insurance
among the contributes entitled there
"The reckless disregard of insur
ance principles exemplified in this
state-forced scheme is remarkable. A
teacher paying into the fund for twen
ty-five years at the rate of $15 per
year would have paid altogether $375,
arid she would then be entitled to re
ceive an annuity of that amount for
the rest of her life.
"A statement prepared by the actu
ary of the Wisconsin state department
showed that sixty-two annuitants
paid an average of $368.71 into thei
fund, or a total of $22,860, and liave
received therefor annuities of $375.84.
In order to have the fund on a self*-,
supporting basis they should pay as
much as $4,962.25 each.
"Thus the besetting vice of assess
ment pension schemes the rude prin
ciple of 'first come first served and thd
devil take tho hindmost' is embodied
in the Wisconsin scheme and that in
an intensified form. The dispropor
tion between contributions charged
and benefits promised is enormous
and goes beyond all records of even
"The money of young teachers is
taken and placed at interest for the
purpose of paying annuities to older
teachers on their retirement, but when
those young teachers become old thepe
will be little or nothing left in the
fund for them.
"Another point of seeming unfair
ness about this law is that many of
the young teachers may marry long
before they have served the required
length of time and retire from active
service, thereby being forced
to contribute to a fund which
they can never enjoy themselves but
simply help to build up for the benefit
of somebody else.
"By all means a state should either
establish a sound pension scheme for
its servants or none at all, is the ad
vice of The Life Insurance Independ
ent on this subject, and it is pretty
sound advice, too. If the state kept}
its hands off the problem private
agencies would handle it and handle
it satisfactorily. Annuities at adequate
rates in reliable companies would by
judicious canvassing be purchased by
many teachers, but the fact that the
teachers are to be assessed for a pen
sion fund under state auspices and
presumably reliable, does not dispose
them to seek proper •protection else
where. It is rather a peculiar position
for a state enlightened enough to sell
insurance to its citizens and yet neg
ligent of the duty of guaranteeing a
proper superannuation scheme to its
STORY OF THE FORMER GOVER
NOR OF TENNESSEE WHO
CHANGED FROM ADVOCATE OF
SALOONS TO ONE OF THE BIT
TEREST ENEMIES TO BE TOLD.
At the First Methodist. church to
morrow evening, Rev. J, M. Walters
will give a review of the experience of
Governor Patterson, former chief
executive of Tennessee.
This man, formerly one of the chief
advocates of the liquor traffic, is now
one of its deadliest enemies. Dr.
Waiter's address will undoubtedly be
Manager Fowler of the Orpheiim of
has an offering of special mention at
the Orpheum the coming week. The
first half of the week, Monday, Tuesday
and Wednesday, the» headline attrac
tion will 'be Dr. Carl Herman, the Elec
tric King, and known throughout the
country as the man who has tamed
electricity. Seven Vassar Girls will be
the headliner the last half of the wee"k
In a grand musical and singing en
The remainder of the bill for the
first half of the week is as follows:
Three Kobers, gymnastic and contor
tionists creation Musical Lockwoods,
in a musical novelty and Hughes &
Mazie, singers and dancers.
The bill the last half of the week, in
addition to the headline attraction. The
Seven Vassar Girls, consists of: George
& Georgie, comedy bounding table ac
robats The Kidders, novelty comedy
offering, and Gerald & Griffin, jBinging
and talking comedy.
W. E. HUNT, Proprietor
SUPT. T. C. LOWRY OF FARGO DI
VISION OF N. P- TRANSFERRED
TO MINNESOTA DIVISION WITH
HEADQUARTERS AT STAPLES
SUCCESSOR NOT NAMED.
Supt. T. C. Lowry of the Fargo di
vision of the Northern Pacific railroad
has been transferred to the superin
tendency of the Minnesota division
with his future headquarters to be lo
cated at Staples. Minn.
Mr. Lowry, who succeeded former
Superintendent Nichols of the Fargo
division of the N. P. about a year ago,
will succeed Superintendent Sover
eign of the Minnesota division, who
has the record of being ono of the old
est superintendents in point of serv
ice with the railroad. Mr. Sovereign
has been superintendent for thirty
In Fargo Mr. Lowry has become
Under the direction of George V.
Haliday the Grand Stock Co. will pro
duce Dave Higgin's great play, Up
York State, Monday. Tuesday and
Wednesday of next week. Up York
State is a splendid comedy in four acts
and all the members of the company
will take part.
The attraction for the last half
of the week, with a matinee on
Saturday afternoon, is Uncle Tom's
Cabin, by Harriett Beacher Stowe, the,
world's famous masterpiece. Uncle
Torn'a Cabin will be presented in a
scenic- sensation of fifteen acts and
there will be a cast of twenty people.
Chicken a la Riene
Maple Nut Sundae
Sunday Dinner, December 7th
6 to 8 p. m. $1.00 Per Plate
Special Music During Dinner Hour By Comstock Orchestra
Grilled White Fish—Bordelaisc Sauce
Boiled Shoulder of Lamb—Caper Sa-ce
Fried Frog Saddles—Tartar Sauce
Cherry Roll au vin Tonkey
Roast Ri%s of Prime Beef, au Jus
Roast Ydung Turkey Stuffed—Cranberry'
Roast Suckling Pig—Sage Dressing—Apple Sauce
Candied Sweet Potatoes
Mashed Potatoes Steamed Potatoes
Asparagus Tips on Toast Lima' Beans
Fresh Lobster Salad
Steamed Suet Pudding—HaTti and Brandy Sauce
Raisins Fijrs Dates
Apple Pie Pineapple Cream Pin
American Cheese Roquefort Cheese
All Next Week at the Grill Room
Those Harmony Boys Direct From New York
Comstock Grill Room
well liked in business circles and his
friends amon~ his extensive business
acquaintance will regret to note his
departure- However, in succeeding
Mr. Sovereign, his transfer comes in
the form of a promotion, which will
win him the congratulations of his ac
He has made a record for the Fargo
division since he has been its superin
tendent as well as an enviable record
for himself with the railroad. His
successor has not yet been named.
The change becomes effective Jan. 1,
when Mr. Lowry will begin his new
Solid Oak Arm Rockers at J2.50
Big Variety Child's Rockers at 85e Up
All sises and finishes of library tables
at $6.00 Up
Solid Oak Rockers without arms
at $1.28 Up
Wilton Velvet and Tapestry Rugs
at $1.20 Up
by Phoning 2700
The few 1314 hm« Bikcyst
KROEZE SPEAKS TOMORROW
Twin 7-10 h. p. equipped with foot boards,
luggage carrier and many new features for
tUn rviAof iniM»An*nofo fA ko -f.
Are the most appropriate to be presented. Articles for the home
are lasting and constantly bring to mind the donor.
We have specially priced a number of suitable furniture gifts in
our various departments for next week.
Pres. B. H. Kroeze of Jamestown
college will preach morning and even
inir at the First Presbyterian church
tomorrow. President Kroeze has
built up a splendid educational institu
tion for th* Presbyterians at James
town and is one of the live educators
of the state. Fargoans will be glad of
the opportunity to hear him.
FOR STATE NEWS READ THE FORUM
Write for catalogue to
Distributor for Cass Co.
Pedestals and Center Tables $1 to $5
Bg sure and see our line of Doll Carts,
Foot Stools, Rocking Horses, 15t\
Large Roomy Trunks at $5.50 Up
All Leather Suit Cases $1.25 Up
Traveling Bags—All Leather $1.25 to $8
f?- 206 Broadway Fargo, No. Dal!, jff
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