Page Sixteen 



THE I. A. A. RECORD 



KEEPING IVELL 



I By Dr. John E. Bolartd, 



Country Life Inturanee Co. 

 I Colds 



TTmlLE there has been much research 

 VV to discover the cause of colds there 

 is no general agreement regarding the na- 

 ture of the infectious agent. Until more is 

 known it is unlikely that any general pre- 

 veotivfe will be developed. 



I 



The nasal secretions from the patient 

 with a cold are highly contagious. Those 

 V I I closely associated 



with an infected 

 person frequently 

 acquire colds unless 

 scrupulous prevent- 

 ive measures are 

 used. The face and 

 hands are contamin- 

 ated from the hand- 

 kerchief, and these 

 touching the table, 

 desk, towel, or other 

 objects spread the 

 disease. '. " ■ 



John E. Boland 



The hands are the most common agents 

 for spreading the cold germ. They become 

 contaminated every time the patient blows 

 his nose. The patient usually infects every- 

 thing he touches. Coughing and sneezing 

 spread the disease. The spread of this ail- 

 ment might be checked if every patient 

 would wash his hands frequently, and guard 

 against unprotected coughing and sneezing. 



-' Colds may be followed by more serious 

 complications including middle ear, mastoid, 

 brain complications, sinus infections, bron- 

 chitis, pneumonia, influenzi^ etc. Anything 

 that minimizes the amount of secretion, 

 therefore, is important in prevention and 

 treatment. 



Douching the nose with a simple anti- 

 septic or disinfectant at frequent intervals 

 using a medicine dropper, nasal spray or 

 douche is most effective. Acute colds are 

 usually accompanied by a condition known 

 as "Acidosis." This is a generally accepted 

 belief. Citrous fruit juices such as lemon, 

 orange, or grapefruit taken in sufficient 

 quantities, or ordinary bicarbonate of soda 

 — a teaspoonful about four times a day — 

 aid materially in neutralizing the acid con- 

 dition and will help break up a most stub- 

 bom cold. Citrous fruit juices, strange as 

 it may seem, have an alkaline effect intern- 

 ally. Thus hot lemonade, a simple home 

 remedy, is useful in getting rid of colds. 



minois' Agricultural Mutual Ins. Co. 



"I am writing you expressing my appre- 

 ciation for the prompt settlement and the 

 100 per cent claim paid on my car which 

 was stolen March 5. 



Mrs. Robert Sample, 

 acksonville, Morgan County, 111." 



Fa-mily Living Expenses 



FAMILY living expenses averaged $772 

 for 195 farm families in Tompkins 

 County in 1928, according to a survey con- 

 ducted by the New York state college of 

 home economics. The family living expenses 

 ranged from $462 for the lowest income 

 group to $1147 for the highest income 

 group. The income for these groups ranged 

 from $505 to $5394. The number depen- 

 dent on the income increased from 3.2 in 

 the lowest group to 4.4 in the highest, the 

 average being 3.6 persons. 



Cash receipts from all sources averaged 

 about $2300 for these 195 families, but it 

 was pointed out that this income is not 

 comparable with a wage or salary because 

 part of the farmer's income goes back into 

 the farm business. Moreover, about $400 

 worth of farm produce was used by the 

 family instead of being sold to add to the 

 cash income. ."■-;.'• '-ri 



Food Big Item 



The largest household expenditure was 

 for food, $225 being the average for the 

 year. The value of food purchased was 47 

 per cent of the value of ail food consumed 

 by these farm families. Next came cloth- 

 ing, with an average yearly expenditure of 

 $163 a family, ranging from $74 in the 

 lowest income groups to $250 in the high- 

 est group. The average inventory value of 

 the farm family wardrobe was $242. 



Savings and investments by these farm 

 families averaged $404. This took the form 

 of reducing mortgages, making deposits in 

 savings banks, buying land, making loans, 

 paying on life insurance, and the like. 

 Forty-one per cent of these farm families 

 carry life insurance, the average amoimt 

 being $1952; over half of the families with 

 insurance had less than $2000, and only 11 

 per cent were carrying between $5000 and 

 $9500. ■ ' ' ' '^: 



Admitted To Bar 



Tee J. QUASEY, our studious director 

 Lj of transportation, recently passed the 

 state bar examinauon 

 as a result of which 

 he is entitled to 

 practice law any- 

 where in Illinois. 



Q u a s e y studied 

 law at night during 

 the past three years 

 at the John Marshall 

 Law School, Chi- 

 cago. His knowledge 



. . ^ of law will be of 



L. J. Qiusey 



great assistance to 



him in working with Farm Bureau 

 members on claim and utility problems. 



Insurari^ 



By L. A. WllUams 



The Certain Estate 



A DEATH claim is not charity. Tlie 

 insured purchased the estate just as 

 he would purchase real estate or bonds. 

 A $10,000 policy is 

 as certain a piece of 

 property as a farmer 

 can own. It is more 

 certain in value than 

 land. 



L. A. WUIiams 



Years ago your 

 grandfather bought 

 land at $1 an acre 

 in Illinois that grew 

 in value during the 

 war to $300 and 

 $400 an acre. Per- 

 haps you became ambitious and bought 

 more land. With what result? You lost 

 everything. Thus land purchased at $1 per 

 acre lost money for heirs who valued it at 

 $400 per acre. 



Life insurance represents a guaranteed 

 estate for an average premium deposit of 

 two per cent per year. There is no worry 

 about the estate. There is no fluctuation. 



In 1920 when the Federal Reserve Board 

 inaugurated its deflation policy the coun- 

 try was drained of its watered values and 

 bled dry of its collateral. This action was 

 presumed to have avoided a panic. We 

 know it precipitated the country into a 

 prolonged decade of farm losses and bank- 

 ruptcy. 



Turning America's investment funds into 

 more unstable securities than that of agri- 

 culture has thrice proved even more in- 

 jurious to the nation than inflated farm 

 land values. The Florida fizzle, the over- 

 building program in every city, and the 

 stock market crash are all monumental to 

 the error that brought about rapid agri- 

 cultural deflation. 



Any policy of finance that can create 

 such turmoil, and influence values up or 

 down is as unsafe as permitting one group 

 or board to change the constitution at will. 

 So long as money interests can maneuver 

 to cancel foreign debts through establish- 

 ing an international bank for an ostensibly 

 different purpose, and so long as federal re- 

 serve fimds can be loaned to bolster stock 

 market enterprises, just so long will our 

 estates be in constant jeopardy, and the 

 value of any one class of property be un- 

 certain. 



Life insurance will be the one certain 

 protection and estate of the American citi- 

 zen under any form or policy of govern- 

 ment finance or control. 





k 



.^1 





tlJ 







