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bington, Ja|k 6.—Government ense accounts are funny things. 7hy Should it cost a clerk in the rior department five times- as ach, to go to a certain point in the ite of Washington as it does for the cretary, ihis superior officer, to ike a trip to "Honolulu and certain astern points?" jrwihy should it cost the commission of Che general land office only one -what it cost Che clerk that ac- Etnied ihim on the same trip? Why should it cost a man in the in erior department seven or eight times mucin to make a trip down to I Alabama, Mississippi and Florida as lit does for an employe of the post lofflce department to go to Spokane, fPortiland and San Francisco? /Why is it that a very large propor tion of the big travel items that are Insure yoor prop erty with the OH Pioneer Agency. Represents the strongest insurance companies in the world. Assets over 190 million dollars. FIRE TORNADO LIFE ACCIDENT PLATE GLASS BURGLARY BONDS LIVE STOCK STEAM BOILER AUTOMOBILE tare yoor baggage when yon travel. Ask us Phone 577 H.I. Murph (Co. 9olicies eculiar Things in Expense Accounts IT COSTS SOME GOVERNMENT EMPLOYES MUCH MORE THAN OTHERS TO TRAVEL. turned in by government employes seem to be for trips to the south in winter and to the north in the sum mer time? An Expensive Traveler. According the accounts of the postmaster general, secretary of the interior and the interstate conwneree commission, flubmitted t)o congress, for its approval, one of tine clerks in the general land office is the most expensive traveler in the three de partments mentioned. Me turned in a 'bill for $5,747.85 on account of a trip to tlhe state of Washington to "examine surveys in thie diminished Oolville Indian reservation, Washing ton." If the reservation had not been AT THE END OF THE TALE or the end of the year, we find wfhen looking over our stock of ihousefurnishing goods and kit chen utensils that we have as complete 'and fine a line of these useful goods as can be found anywhere. Our line of stoves, ranges, cooking uten sils, toys and' clocks twill be found worthy of your inspec tion. E. L. Faunce's Fourth Street. Name of Company New Hampshire Fire Insurance Company Calumet Insurance Co Central National Fire Insurance Co Commercial Union Fire Insurance Co. .. Mannheim Insurance Co Union Marine Insurance Co Columbia Insurance Co. Central Life Assurance Society Northwestern Trust Co Dakota Trust Co Indiana & Ohio Live Stock Insurance Co. Merchants Life & Casualty Co Fraternal Monarchs Catholic Mutual Benefit Association stfte, LaMoure County Mutual Insurance Co I LaMoure, X. D. State Farmers Mutual Hail Insurance Co. diminished by the Indians carelessly giving away or selling their land this clerk's expense would possibly have been some larger. In July, 1908, Sec retary Garfield took a trip to the Sandwich Islands and various xint^ in western states and spent only $1, 087. or much less than one-fifth of what it cost the land office clerk to IOOK over the dwindling Indian do main. Andrus is Modest. The smallest amount submitted among the papers is that of B. L. Andrus, superintendent of the mail lock repair shop of th,a ipostoffice do partaicnt, who made a trip over to Bridgeport, Conn., to inspect a rivet ing machine that the department thonglit. of ibuying. Andrus, spend thrift that he is, actually iblew in S1.S5 of the government's good mon ey for this junket. It. should bo mentioned, however, that postal em ployes travel free on the trains, so it is fair to presume that $1.85 went for hotel hills, wine and automobiles. Fred Dennett, commissioner of the land office, made a joarne-y to Salt Lake, Portland, Spokane, Seattle and other western cities during the year and spent $205.70 on the trip. Fned Newburg, his clerk, turned in a statement for $489.85 ifor expenses while accompanying the commission er on the same trip. Possibly Mr. Dennett was entertained by friends in the various places visited, while his clerk had to put up at hotels. Bailinger Economical. There is a suspicion in the m'nds DEPARTMENT OF INSURANCE BISMARCK INSURANCE BULLETIN IMO. 27 It is reported to this department that certain local agents in the state have been and are in the habit of attaching to some the following clause: "Loss payable immediately after proofs shall have been received, and approved and accepted by he company" Upo^ equest this matter was referred to the Attorney General, who holds effect that his is a a on S one of the provisions of the standard policy which all companies arc required to .issue in this state, and it is therefore sug gested by this department that the use of the clause above referred to be discontinued in this state. The Phenix Insurance Company, of Brooklyn, and the Fidelity Fire Insurance Company, of Chicago, have practically -omnleted arrangements whereby the business and the resources of the tvVo corporations are merged into a new corporation to betaown "T32^FiSeity-Phenix Fire Insurance Company of New York. This action has been occasioned by the «jcentd.j covery of various irregularities during the past seventeen years by the president* vice president and secretary of the Phen.x md appeared to the stockholders of both corporations to be mutually advantageous The tidelity-Phemx has a capital of $2,500,000 and will assume all the existing insurance liability of the old Phenix and Fidelity. In line with the articles published from time to time, in this bulletin, calling the attention of the public to the enormous fire was each year and inviting the cooperation of the people in checking .his annual loss, we think it worth while tomenion that the special agents of fire companies operating in Tennessee have organized themselves into a body called The Tennessee Fire Prevention Associa ion" So large I percentage of fires are due to carelessness and negligence that we believe much couM be done in this state by such an organization. Special agents and their local agents, in cooperative action, could do I deaf toward awaking the people to the necessity and advantage to themselves of giving more attention to defective flues, electricalI ring, the accumulation of combustible waste material and such things as these, small in thmseves yet responsible for a large percentage of fires. We believe the public, once awakened to appreciate the peril and cost to itsel of negligence mat ters of this kind, would respond in such ways as to bring about a very appreciable decrease in the annual fire waste in this state. The department is preparing to issue, early in January, tables showing risks written, losses paid and losses incurred by fire S during 1909 in this state premiums received, losses paid and losses incurred by life and casualty companies. These tables will be mailed to all persons whose addresses are on our mailing list, and will be furnished on request to all others. The following companies have been admitted to do business in the state during the year 1909: COMPANIES ADMITTED TO DO BUSINESS IN THE STATE DURING THE YEAR 1909. FIRE INSURANCE COMPANIES MISCELLANEOUS COMPANIES BI8MAR0K DAILY TRIBUNE. FRIDAY MORNING, JANUARY 7, 1910. of the congressmen that when Sec retary Ballinger of the interior de partment travels he pays some of the expenses himself. If he doesn't go down in his own pocket he must get reduced rates at the hotsls. Last summer the secretary took a trip "to various points in Montana, Ne braska and Wyoming," and the bill he turned in was only $187.72. Per. haps he avoided the exactions of the hotels by living on the trains and eating lunches carried from Washing ton. Hot Springs, Arkansas The Weirs New Hampshire Denver, Wisconsin and Michigan seem to be popular summer resorts toward 'which to travel on government business in the heated months, and Florida, southern California, New Orleans and Texas in the winter time. "AN EXCEPTIONAL OFFER." Bismarck city property bought, sold or exchanged for other property. Farm and city loans at lowest rates and on shortest possible notice. 160 acres 20 miles from Bismarck, good soil—$2,400, and you need not pay a cent down buyer to assume mort gage of $1,600 and give bankable paper for 'balance four years' time at 8 per cent. With flax at $2.00 you can pay for the land in two years. How can you lose on this? G. J. KEENAN LAND COMPANY Lucas Block. BOB SLEIGHS. Light and heavy bob runner at tachments for buggies. BAARDSON'S, Corner Ninth and Ham streets, Bis marck, North Dakota. Home Office Address H. Manchester, N. Chicago, 111 Chicago, 111 New York, N. Mannheim, Germany Liverpool, England Jersey City, New Jersey LIFE INSURANCE COMPANY Grand Forks, N. D. Fargo, N. CrawfordsvilJe, Ind. Minneapolis, Minn. FRATERNAL SOCIETIES Grand Forks. N. Hornell, N. COUNTY MUTUAL COMPANY I STATE MUTUAL HAIL COMPANY According to the carefully kept records of The Journal of Commerce and Commercial Bulletin, the November fire losses for S S Stages amount .to $14 808,550, as compared with .$15.834,350 November, 1907. The losses for the expired eleven months of this year amount to $ 83,673 ,00, which is W'58,8{)^esstnan the corresponding period for 1908, and $16,204,800 less than in 1907. The heaviest loss of the past month was $500,000, a dweSniTrWhitc Plains, N. Y. The loss of a wall-paper factory in New Ycrk City is stated as $360,000, and a freight ware house in Buffalo as $350,000. Exchange. Thomas D. Hughes, for some time supervisor of agents, and John F. Shea general agent for the Equitable Life Assurance Society this have resigned their positions with the Equitable to become identified with the Pioneer L,fe of North Dakota. Mr-Hughes takes the general management of the Pioneer, succeeding Robert N. Merr.tt. resigned and Mr. Shea becomes gen eral agent. Messrs. Hughes and Shea are well known Dakota men and have been live wires in the insurance field. January, 1910. Moines, la. 3- 9 III?? Waseca, Minn. 5-15 dfclfc iti if I7I ill ill itI O O CHworthy Date of Admission I 1-25 2-10 4- 2 3-20 10-12 10-12 11-26 1- 1 11-26 -13 1 E. C. COOPER, Commissioner of Insurance. Tax Trusts and Lighten People's if Burden. By Senator WILLIAM E. BORAH of Idaho. J» J» S the tariff bill and schedules now stand the luxuries have been increased, so to speak, but the N E E S S I I E S O I E A E E E N O W E E so that the consumer is benefited. I will say frankly that I do not think that the tariff was downward on these necessities to the extent that it should have been. I believe and will hold to the theory that the present high price of the common necessities is not due to the tariff so much as to the N S A A I O N W I W E A E I N I S O N SO LONG AS THE CONSUMERS. THE PEOPLE AS A MASS, HAVE TO PAY THE f604.000.000 TAXATION FOR THE EXPENSES OF MAINTAINING OUR PRESENT GOVERNMENT. WHILE THE LARGE FINANCIAL INTERESTS, WHERE THE FINANCES ARE CENTERED. AS WELL AS THE MAMMOTH CORPORATIONS. ESCAPE THE TAX ATION ON THEIR WEALTH, JUST SO LONG WILL THE PRESENT HIGH PRICE OF LIVING KEEP UP. I believe that every effort should be made to see that this capital is PROPERLY TAXED so that the tax will go to pay the expenses of our government. Does College Education Pay? By the Rev. Or. MADISON C. PETERS of New York. E man who regards a college training mainly from the standpoint of its COMMERCIAL VALUE has an un idea and himself is unworthy of such a training. Charles Dudley Warner says, "A man who has made the most of his opportunities and who, in addition, has cultivated every faculty with which he is endowed has won success." To make the greatest possible progress, to become as perfectly developed as ability permits, means real SUCCESS. A COLLEGE TRAINING OR ITS EQUIVALENT, SELF CULTURE, HELPS ONE TO MAKE THE MOST OF HIS TALENTS. 8UCH AN EDUCATION 8TANDS FOR AN INVESTMENT OF POWER. IT NO ONLY CREATES POWER, BUT INCREASES IT AND PROMOTES THE DEMANDS OF MODERN LIFE—THE POWER TO THINK AND THE POWER TO WILL. The men of great enterprises are eagerly seeking those who are able to THINK CLEARLY and those who are able to will promptly or, in other words, those whose assets consist in a THOROUGH EDUCATION. ALL OTHER THINGS BEING EQUAL, A COLLEGE EDUCATION PREPARES A MAN FOR BIG THINGS IN LIFE. IT STRENGTHENS THE MIND, BRINGS THE WILL UNDER CONTROL, DISCIPLINES THE FACULTIES, GIVES A LARGER, CLEARER VISION AND STRONGER CONFIDENCE IN ONESELF. Apart from the broadening and developing of character and the expansion of the mental endowments, there are the PLEASURE AND THE HAPPINESS it brings into one's life, the DELIGHTFUL ASSOCIATIONS, the satisfaction which comes from the feeling of the POWER to reach out and know that we can assist and be of help to others. A man may be learned, polished, refined, yet without the college training he LACKS THE DISCIPLINE AND THAT SPIRIT OF COMRADESHIP which characterize the fraternity. Nothing else so enriches life, broadens the views, ennobles the aims, strength ens the choice of right, CLARIFIES THE VISION and gives such an exalted love for the beautiful. Housewives' Neglect of Food Endangers Lives of All. By HARVEY W. WILEY. Pure Food Expert. Head of the U. 9. Chemistry Bureau. is the duty of every woman, whether she is a housewife or not, to INFORM HERSELF ON THE LAWS OF HY GIENE. THE AVERAGE ICEBOX IS A CHARNEL HOUST WHICH NOT ONLY HOLDS DEATH, BUT SPREADS IT, AND TOO MANY HOUSEKEEPERS ALLOW DISORDER AND UNCLEANLINESS TO PREVAIL IN THEIR KITCHENS AND LARDERS THROUGH IGNO RANCE OR INDIFFERENCE. THEY'D RATHER PICK OUT A BEE THOVEN SONATA, READ AN IB8EN PLAY OR MEMORIZE A BRIDGE RULE THAN TRACE PTOMAINE TO ITS LAIR AND ERADICATE IT IN THE INTEREST OF FAM!LY SAFETY. If they will give over the telephone habit and PERSONALLY SUPERVISE THEIR MARKETING, KITCHENS AND LAR DERS the present as well as the future citizen will be more useful to the community and nation. Every few days an icebox should be fumigated and disinfected with formaldehyde or sulphur. The mere washing out with hot water does not do. The corners have got to be reached, and the odor which frequently comes from the cleanest appearing refrig erator MUST BE GOT RID OF, for as long as it lasts something is wrong. No icebox, larder or kitchen shonld have any odor about it except that of fresh food that is in preparation for or being cooked. Pto maines are not found in vegetable matter, but they abound in shellfish and meats. When a cook finds an opening in a tin that swells, even if there is not the faintest odor, she should throw the stuff out. If it shows the slightest evidence of decay or mold its use is criminal. BUT TOO MANY HOUSEHOLDS DO NOT KNOW WHAT THEY ARE BEING SERVED. In the morning Lucretia rushes to the phone and gives her order .to a clerk at the other end. He sends out the go«ds, and the cook receives them. Into the icebox go meats and vegetables and fruits, often WITHOUT HAVING THE WRAPPING REMOVED, and when the mealtime comes the meat is put on the fire, the tins emptied of their contents, WITHOUT ANY THOUGHT BEING GIVEN TO THEIR CONDITION or any care shown by the paid servant in charge of the commissary. THREE