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VOL. 48 '
FARMINGTON, ST. FRANCOIS COUNTY, MISSOURI FRIDAY, JANUARY 21. 1921 Automobile Inter . Insurance Suits Recent litigation involving the members of the Illinois Automobile , Insurance Exchange of Bloomington hos revealed one of the hiddon dan ders of the inter-insurance idea. Moot of the members of the numerous au tomobile inter-insurance concerns go ' into them to get what they regard as cheap insurance, with no thought of the risks they run on the liability - they assume. Under the inter-insurance plan they are the insurers as well as the insured, and are under a liability which may involve them in . annoying and costly litigation as well ' as the danger of a judgment. This " euit also reveals the fact that in ease -, they have a loss they cannot get a judgment against the Exchange, and ' to get their money will be forced to sue tht individual members. - ; Edward C. Zulley, an East St. Louis attorney, insured his roadster in 1919 in the Illinois Automobile Insurance Exchange; and it was later destroyed by fire. The Exchange refused to pay the loss and Zulley sued for $L600 damages. The attorneys for the Ex change claimed that it was not a corporation, eoudl not be sued as an ' Exchange, and that judgment could ." not be entered against it. Zulley then secured the names of some of the other East St. Louis policy holders, who were his inter-insurers, and amended his petition to include Ike Cohen, the holder of a policy for $360. The court entered judgment for $1, 370.83 for Zulley, holding that the policyholders were liable for the to tal amount of the loss, which was to be pro rated among them according to the face value of their policies. This rate was established at 25 cents on each one hundred dollars of insurance, and the first judgment was for nine two cents against Cohen. Zulley then began suit against Judge E. C: Kra mer, also of East St. Louis, holder of policy for $1,640, against whom a judgment of $4.10 was entered. Other suits are pending, and Zulley thrcat ' ens to begin more as fast as he gets the names of other policyholders. Similar troubles have been experi enced by the holders of policies of the larger inter-insurers, dealing with mercantile risks. C. C. Martin & Co., wholesale grocers at Parkersburg, W. Va., were forced to bring suit against the members of the Wholesala Groc ' erg Reciprocal Exchange of St. Louis f- I- .... u.. nf tM.OOO. The members of the Exchange refused to pay the claim, ana niso reiusea w furnish the addresses of the other members so that individual suits could be brought. These members were wholesale grocers scattered all the country, and their individual share of the liability was In many oases less than a hundred dollars. The automobile inter-insurers have amnllai flmnnnta involved. but the liability is the same and the litigation woum De annuyiug uhu -,,n if the inrtf mpnt. was for a trifling amount. The fact remains that tie member, regaruea us claimant, may have great trouble in collecting his loss, as he must sue the individual members, while as the in surer of his fellow members he is Ha ul. Ova biiiJ anv A innlltprl flnini. utv vu w oww j " " r Business men should investigate these concerns very carefully and should look into the power-of-attorney they give the manager of the Exchange, under which he can involve them in ' enormous liabilities.. They will find that any promised saving in cost is . I. ,. Aff.nl Kv InMr nf RPrnrit.V JIIUIC burnt " J - , ' . . and by risks and financial liabilities of which they had no wea. nlnn inHirinff from the above, is to buy standard old-line in surance, GIRLS AND BOYS START CRUSADE OP THEIR OWN " Mattoon, 111., January 15. The nf this town has started a crusade which threatens to place the go-called "blue laws iar in the shade. The girls have pledged nnt kppti romiunv with young men who smoke cigarettes and to use tneir lnnuence in wjiiuk wis habit. Nearly 400 have enlisted in the crusade, ' ' , ' In retaliation, the young men have formed a dub and are going the girls ' nn hotter TTipv insist on making? the girls over into "the kind of girls our motners were, nereajier, uu mem bers of tbe club will refuse to keep with eirls who insist on wearing skirts knee length. They must wear them so long that no part of stocking may be eeen, neither may - tii m t.tiA half-Boric rolled-down variety. They will refuse to go to dances with girls who wear no cor sets or wear low-cut dresses beyond the point where mother wore them . tvnAn ana wax a mil. fwuit; iw paint and other aids to the complex wi mm auav www. ' . The new slogan for the boys is "lips that touch rouge shall never touch mine." Silk stockings are blacklisted, cotton or wool must be worn. Only the old-time square ; dances and the wait and two step 1 will be permitted, and in the case of the latter two, any unnecessary mus cular movement will be : promptly - chided. Pulled eyebrows and coqtle garages have to go with the shimmy i and the toddle., , ,,Jhn T. Burks, the extensive farm !', or .and stockman, who has in oharg. -the entite Iron. Mountain tract, con- giating of many thousands of acres of farming and grazing lands, was look ing after business and ahaking hands with many old friends in Farmington ' Saturday. He has a man's job look ing after his domain, but no one Is better qualified than is he for such a job. - " 1 Trouble Seems to'BeAt An End The .Times is pleased to note that the recent trouble among the shovel ers In the Dealoge Lead Co., at Dea loge, appears to bo at an end, and the men have practically nil returned to their work. Accordnig to information this paper has received, such is the only course the s'lovelers could have properly and correctly have taken. The walkout was caused by a reduction of wages, the cut being from $4.80 to $30 per day But a slight resume of the con ditions txesting there makes it alto gether questionable whether or not the mine owner were not justified in such wage reduction, as well wf a slight change in the manner of service of em ployees. , " . 1 . While the men were hired for eight hour sen-ice, heretofore when they had finished their assignment of loading seventeen cars, which many of them did in four hours or a little more, they had been permitted to go out. Occis ionnlly there were some who would continue work, loading several extra cars before their eight hours were up. For such work they received extra pay, at the rate of 24 cents a car. In this way they could make enougn ex tra to keep their wages at the old scale, or even above such sale, if they desired. The new orders are that all workers must remain the full efcht hours in the mines, with the privilege of doing ex tra work if they so desire. The fact has been developed that the. former practice of the men leaving lmme- diatly on the completion of their sev-enteen-car assignment, creates more or less confusion, and is calculated to break down the morale of the em ployee;. Then, too, the period of breaking down of war price has set ih, and in many respects the cost of living is coming down, f.nd it now ap pears that the present wage scale in those mines are as high, as they should be, all things considered,. . "NOW IS THE TIME TO ADVERTISE" , New York, Advertising, should be maintained and not cut at this time when many manufacturers are serious ly overstocked, according to Stanley E. Gunnison, a director of vthe Brook lyn Chamber of Commerce, writing in the current issue oi tne Droomyn Chamber of Commerce Bulletin. "We have come to a period in the growth and even existence of many business houses," says Mr. Gunnison. "Decisions that are made today will be determining factors in the success or failure of the years to come. "The greatest and most successful concerns have always been the most consistent advertisers. Mindful of the lessons of the past, they safeguard the present and anticipate tne iuture. "Yet today we hear business men talking of curtailing their advertising at a time when they are overstocked with goods and are undersold to the extent of thousands of dollars." From Bulletin of Brooklyn Chamber of Commerce. SECOND ANNUAL TUBERCU- LIN TEST OF CATTLE IN ST. FRANCOIS COUNTY Dr. D. F. Lucky, State Veterinarian, Jefferson City, announces that a reg ularly employed Deputy State Veter inarian will arrive in St. Francois county during the next few days for the purpose of testing permanent herds of cattle for tuberculosis. This test will be made without any expense to the owners and partial indemnity will be paid on condemned cattle, as far as provided by the law of this state. Application blanks have been sent to the County Clerk "at Farmington. Those who desire to take advantage of this opportunity to have their herds tested should forthwith fill out one. of. the other of the applications and leave it with the county clerk, Dr. Clinton Ellis, Deputy State Veterinarian, will have charge of the inspection and will call at the office of the county clerk for these applications. This will be the only opportunity during the year to secure this service. Those who are interested in keeping their herds free from tuberculosis should attend to this imnortant matter at once as there will not be another opportunity to(secure this test for at least a year. , A. G. Hunt, of Parsons, Kan., is a new reader of The Times. . . L. F. Castleman, president of the Farmington Chamber of Commerce, is the proud possessor of a handsome pin presented him by the' Shapleigh Hardware Co., with which company he has been for twenty-five years as a traveling salesman.. In the center of the pin, which adurns Mr.- Castle man's coat lapel, is a half carat dia mond. i.Two pins were presented to Mr. Castleman and another traveling salesman to mark their twenty-five vears of enlendid service to that com pany. The presentments were .made at a banquet given to employes our-ine- Christmas week. 1920 was Mr. Castleman's banner year of all his traveling experience, which indicates that he is one ot those rare individuals vbo: improves with age. ' A GOOD Farm Bureau Annual Meeting i . More than two hundred farmers were present at the annual meeting of the County Farm Bureau, held Saturday at Farmington. Reports of the activities of the Farm Bureau were given by Mr. J. D. Rion, of the Livestock Shipping Association; by Maurice Highley, of the Farm Bureau Purchasing and Sales Association, and by tlie Home Demonstration Agent and by tbe County Agent. - j Miss Rocheford, Assistant Home Demonstration Leader, from Colum- bia, was present, and gave an interest ing and stirring talk on Farm Bureau work, urging all farmers to support the movement which has done so much in bettering the conditions on the farm and in the home. Mr. S. J. Kleinschmidt, of Higgina ville, Mo., part-time employee of the Extension force at Columbia, also spoke and gave a masterly address. Mr. Kleinschmidt is also a farmer and fata. the viewpoint, of botii the farmers and the extension workers. He re viewed some of the activities of the Earm Bureau nationally, and spoke frequently of the power of an organi sation that has 1,500,000 farmers- sup porting it. He said that the work, of the Farm Bureau has been divided In to four parts; publicity, legislation, organization and marketing. In the publicity work, he told of how news paper men were co-operating with the e'arm Bureaus in getting the news and activities of the Farm Bureau work before the people. He mentioned the death of the Nolan Bill, which, if passed, would have put a tax of 1 per cent on all farms valued at more than $10,000. The killing of the bill was largely due to the action of the farm ers through the organization of the Farm Bureau. Furthermore, in leg- ) islation he spoke of the decrease in the valuation of the railroads brought about by the American Farm Bureau Federation, this action meaning a great saving to people of the United States, especially to the farmer. In organization and marketing much good was shown by the speaker to have been accomplished. It was (bring ing the producer and consumer closer together by cutting out some oi the unnecessary middlemen. As an ex ample of this is the local work of the Livestock Shipping Association and the Farm Bureau Warehouse. The officers elected for the year 1921 are ns follows: C. C. Schuttler, president; Mrs. Lee Roy Johnson, vice president; M. P. Cayce, treasurer; and Lee Roy Johnson, secretary. The pther members of the Executive Com mittee are: Mrs. C. B. Denman, Miss Mrs. W. H. Counts, J. D. Rion, W. H. Counts, Frank Graham and Tom Heck. The projects chosen for the year are: Marketing: Livestock Improve ment, Livestock. Shipping r Associa tions, Liming . of soils, Farm Crops, Orcharding, Soil Terracing and Drain age, Farm Loan Association, poultry, Home Conveniences, Health, Food, and Clothing. . ; u; . , Report of the Livestock Shipping Association. -A detailed reoort of the Farming- ton Livestock Shipping Association was given oy Jonn u. ition, at tne Annual Meeting last Saturday: Twenty-six carloads of livestock were shipped from December HO, laia, to Dec. 2, 1920. The report shows that 538 cattle, 736 hogs, and 420 sheep were shipped during this time. ; The total sales amount to $39,454.24. The total stock yard expense was $2,154. 39. - The manager's commission for the year amounted to $465.54. The amount set aside for the sinking fund was $109.26. $27.80 was spent for bedding; $36.14 for feed; $26.95 for weighing! and $46.75 for labor. The average cost bf shipping sheep was 81' 1-5 cents per hundred; for hogs, 64 4-5 cents; for cattle. 64 3-8 cents; while the average cost for, shipping mixed, cars was 66 2-3 cents per hun dred.. The average shrink of all cat tle shipped and weighed before load ing, was 4 pounds per hundred for hogs, 3 pounds per hundred, and for aheep, eight pounds per hundred. - A balance of $42.27 is now in the sinking fund. - " . . Report of Warehouse ' A 'short report of the Farm Bureau Purchasing and Sales Association was START given 'by Maurice Highley. $34,950 worth of fertilizers, seeds, feeds, etc., have been sold since the warehouse opened. in August. $3275 worth of stock has been sold. After paying $500 on a lot and building and some expenses on equipment, a working capital of something like $2600 was left. The profits from the business amount to $781.50. This profit hab been made, not by making a large per cent on the products handled, but by the rupid turn-over of tho money in vested. The products handled have been sold under the price of competi tors. This is easily believed as such a large business has been done in so short a time. Certainly, when a business that to tals $34,950 is handled at the low profit of $781.50, or at 2 1-4 per cent including interest on investment, no profiteering has been practiced. Fur thermore, this was done at a time when prices were declining and when many business men are going bank rupt This is certainly convincing proof that it does pay the farmer to co-operate and to invest their money in a business at home that they own HOME DEMONSTRATION NOTES The women of our newly organized community selected three projects to work on this year. These are: Health, Poultry and Clothing. In health work, the women will take up work on keep ing the body physically fit, first aid, and proper feeding of growing chil dren. Mrs. Roy Johnson was selected project leader for the health work. poultry work will oe considered from all points of view; feeding, housing, culling, incubation, care of baby chicks, etc. Mrs. Chas. Hopkins is the community poultry project lead er. In clothing work, three phases will be stressed; dress forms, short cuts, and remodeling. Mrs. Robt. Boswell is the community project leader for clothing. The plan which the women will probably follow will be that of a meeting once a month to take up a definite piece of work in the projects just mentioned. Community meetings of both men and women, will be held from time to time as the need arises. I. C. U. Program of Work. Women of the I. C. U. met Thurs day, January 13th, at the home of Mrs. T. B. Chandler, to plan work for the year. Clothing and poultry were the two projects selected. In the clothing work, the women will take up millinery, remodeling, drafting patterns, dress forms, mak ing work clothes, and short cuts. In the poultry work, incubation, ear ly hatching, care of baby chicks, pro duction of infertile eggs, caponizmg, and culling will be studied. Appointments as Delegates ' ' ''V, L. F. Castleman, president, and R. C, Allen, treasurer of the Farming ton Chamber of Commerce, have re ceived appointments from Gov. Hyde as delegates to the meeting of repre sentatives of all Commercial Clubs in the State, which will be held in Jefferson City next Wednesday and Thursday, Jan. 26th and 27th. Mr. Castleman will be unable to attend such meeting, owing to a previous en gagement for that date. Mr. Allen contemplates attending the meeting, and it is to be hoped that he will do so, as the Farmington or ganization should be represented at that meeting, and no one is better qualified for such representation than Mr. Allen. Important action' i . ex pected to be taken at that gathering in regard to the expending . of the $60,000,000 of good roads bonds that was authorized at the last election. A number of other members of the local Chamber have also .received similar! appointments, and it is to be desired that several mav attend such meeting. J. F. Hickg arid daughter motored to Caster last week for a lew days visit, Big Tax Suit Will to United States The Times a informed that the re cent decision of U. S. District Judge Faris, in sustaining the demurrer to the plaintiff's petition, in the big tax suit in this county, hag not put a final end to such ltigation. Our informa-, tion is that the case will be appealed to the U. S. Court of Apptolg by the original attorneys for the . county, Messrs, 0. L. Munger, of Piedmont, and Thos. A. Matthews, of Flat River. . Briefly stated, and without regard to legal technicalities that may be brought to bear, the facts, as they ap pear to a ' layman, are: James J. Croke, former Collector of St Fran cois county, made a compromise set tlement with the lead companies of this county, in which he accepted as payment in full for their year's taxes an amount over $200,000 short of what the tax books said they owed in taxes. The County Court, in whose hands the law clearly says, rests entirely the power to make any reduction in the amount of the taxes assessed, not on ly failed to approve of such compro mise settlement by Collector . Croke, but they immediately became busy to try and force payment of the full amount of taxes that were shown to be due the county from such corpora Number Two They Didn't Get Editor The Times: I read with a great deal of interest the article in your valuable paper in answer to "Observer" and "One They Didn't Get." I might be in the class of "One They Didn't Get" as I have had many opportunities to buy va rious 'articles, stocks and bonds from every kind of "peddler" who has "been on the road. , The first one that called on me was the lightning-rod man whom we aU remember so wel. But some of my ut 'yhWiVwere nst.so fortunate, aa I m turning Mm down. Then- t!4xt, I believe, was the man with the organ and I'll admit he was quite a sales man as he tried to convince my wife and I that he had the only instrument thr.t could play "Nearer My God to Thee" to the tune of "Where'd You Get that Hat". The Old Lady said to me: "That's some organ." Then there was the stove man. I remember an occasion of the visit of one of these. A glittering rig drawn by a magnificent team caparisoned in harness of silver and brass drew up to my place. The outfit had every ap pearance of being the advance noise for Barnum and Bailey's circus. We all went out to see what it was and, to our yreat surprise, when this oily tongued individual removed the can vas from the "Camel's hump", there was a great big range cook stove, polished so that any woman would full in love with it on sight. We were soon informed that, if I would sign here and Tilly would sign there, he would put this beautiful stove in our kitchen. But fortunately neither of us signed so he drove on down the road where he stopped and my neign bor. carried away with the brightness of the range stove, signed here and his wife signed there and tne stove was put in the house. Then a few months passed and the collector appeared on the scene, want ing the money for the new range. Re sult was that he took the range and, more than that, he drove away with the last two milk cows the poor man had. My advice to my neighbors is to let tl.ese peddlers alone. If you do business with them they'll get the money as they are experts in profit eering, and have been for twenty-five years or more. , Another thing that amused me was the cause for the sudden drop in sugar given in one of the articles. Anyone with a thought above an oyster knows that that is all bunk. The country merchant has no more control over the price of sugar than has the Sun day School teacher over the traffic in "White Mule". The sugar market is controlled by the sugar trust, and they make the prices. 1 have lound out that when I want a range it is better to go to the local hardware dealer and get one aa good for about half the money and the same thing applies when I want a musical instrument or anything else. I have found it paid in the long run to patronize the home merchant, no matter what you wanted to buv. ,"A prophet is not without honor save in his own country." Many in- inerant "prophets" would be without honor in foreign lands if Old General Public were less unsuspecting and would apply the test of reason to the prophet'8 promises. Too, too often they are vultures who have neither value received. It is to be hoped that some day puWfc'senthnent will be sr crystallizea aganist questionable "easy money'' clicme9 that they will all die a natural death in their infancy 7 X Fanrvinirton friends have (received letters: from. M?. and ..Mrs. Dock Mackley, who are now in Greenville, Texas., saving they are . enjoying themselves and getting along nicely; also that "Dock's" Health is ' appar ently somewhat improving. j ., Be Appealed Court of Appeals tions. Furthermore, they Jailed and refused to release Collector Croke'g bondsmen on account of this action, and such bondsmen have never yet been released from their obligations as guarantors for. former Collector Croke. -.r . . . This news ' will be altogether en couraging to every citizen of thU county who feel that they have been, , deprived of over $200,000 of funds badly needed for county expenses. Thanks to those lawyers, who see and know that the county's case is merit- ; orious, they' have determined to re suscitate the supposed "corpse", and their opinion is that it will yet be come a really tangible asset to St. Francois county, If they prove to be wrong in their conclusions, then they will be the los ers, and the county will, have no fur ther expense in trying to recover what appears to any unprejudiced citizen as a case wherein all the issues are on the side of the county. If those great corporations are to be permitted to thus schedule on their taxes, which ' are low enough even when paid in full, then by wha right is the more humble tax-payer compelled to buy a tax re ceipt in full,, to the last penny T December Collec tions Apportioned The following list gives the school I moneys that have been apportioned lo the various school districts in St.. Francois county out of the December tax collections. These figures explain, in a very large decrree, the reason for what many have been inclined to criticise as "heavy taxes": . ' Village Districts No. 5, Bismarck ..,..,..., 7,264.53 No. 61, Flat River . ,,72,472.02 " No. CI. Knob Lick. 1.217.47 N. Cb- Ubeyvill ... I.WX .Now. Elvins .....,, 36,137.97 , jso. 27t. Esther ........... i!4,J4o.l No. 29, Dedoge '. 43,790.95 No. 12, Bonne Terre 54,506.96 No. 24, Farmington 17,244.56 No. 21, Doe Run 5,715.39 No. 63, Leadwood 23,119.62 No. 28, Frankclay 6,781.11 District No. 1 District No. 2 ..$ 119.87 74.18 269.39 521.27 246.24 195.12 113.88 123.56 63.93 96.62 198.09 334.18 709.73 237.87 650.55 134.03 302.12 81.36 458.99 District No. 3 .. District No. 4 . . Diiitrict No. 6 District No. 8 District No. 10 . District No, 11 District No. 13 . Dioirict No. 14 . District No. 15 . District No. 16 . District' No. 17 . District No. 18 . District No. 19 . District No. 22 . Dist -icv No. 23 District No. 25 . District No. 26 . District No. 30 340.87 District No. 31 5,101.93 District No. 32 ., 1,703.92 District No. .iJ District No. 34 District No. 35 District No. 36 District No. 37 District No. 38 .......... District No. 39 District No. 40 District No. 41 District No. 42 , District No: 43 , 148.35 418.21 , 452.51 265.60 310.07 315.91 349.39 321.05 288.14 144.77 3.31 343.04 556.97 217.42 232.48 233.58 274.79 254.33 145.43 203.06 167.60 284.76 237.60 206.18 79.39 137.41 District No. 44 District No. 45 District No. 46 , District No. 47 .......... District No. 48 .......... District No. 49 District No. 51 , District No. 64 District No. 57 . . . ; District No. 58 .......... District No. 59 , District No. 60 District No. 62 District No. 64 ......... District No. 65 ........ . Road Distircte ' The following is the total appor tionments to the different road dis tricts of the county: General Road Fund ......$46,571.23 Individual Road Districts, 11,734.73 Keep It Up, Mothers Editor The Times: Friday, the fourteenth, last week, the. Mother's Club held a meeting ati the High School which resulted in a lot of good. They discussed the san itary conditions of the schools which, they found to be in a very unsanitary condition and tried to ascertain who was responsible. After a very heated discussion and some sharp criticism the. meeting adjourned. The result was that the toilets were put in good shape, -the drinking fountains scrub bed and polished and the wasa basins -became its clean as mother keeps hers.. Keep .the good work up, mothers, for they. are just 'beginning to ; realize that you hold the whip hand politn cally, . . STUDENT;, J