Cos. are really safer and much more desirable in evei'y respect, 

 then, too, the cost is less. Of the 109 Mutual Companies writ 

 ing insurance in Ohio in 1899. twenty-five of them made no as- 

 sessments and eight had no losses! The average saving of the 

 Mutuals in comparison with the Stock Companies has averaged 

 33 cents on every .$1.00 of insurance written on the three year 

 term plan. This is a consideration worth taking advantage of 

 for "it's the little leaks in business that eat up the profits," 

 and it's the little things on the farm that tend to increase them. 

 No really good business man neglects to insure, and no farmer 

 can afford to carry the risk of fire himself. Every intelligent 

 farmer understands this and should encourage his county or- 

 ganization. If there was one-half the unity of purpose and well- 

 directed effort on the part of the farmers, as a whole, as there 

 is among other business men, much that they now desire and 

 should have would be their's. Stand by your organization and 

 don't be afraid, as the Kural New Yorker says, "To use the post- 

 age stamp on your representatives and Congressmen to have laws 

 passed and enforced which will help yon, and those repealed that 

 are not favorable to the best interests of agriculture." 



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