HAY SEED IN THE HAIR 
FALLACIES OP LIFE INSURANCE.—V 
“PROGRESS AND IMPROVEMENT 
others allude to “hay seed In the bair when 
speaking of the “Farmers’ Movement” or of 
the Granges, is both significant of the opinions 
they hold of the ability of farmers to think, 
Judge and act for themselves. and insulting in 
fact and in intent. Jt ought to aid in opening 
the eyes of farmers to the real animus of those 
who flatter them and solicit their suffrages, and 
the real value such men place upon their own 
pledges and professions made during a canvass 
among the “Hay-seeders.” A politician who 
sprinkles his hair with hay-seed, even In irnagi- 
A NATIONAL ILLUSTRATED 
JCoumler and. Conducting 
CHAS. D. BRAGDON, ANDREW S. FULLER, 
AsHOoiatn ICditoro. 
HENRY S. RANDALL LL. D., Cortland Village, N. Y., 
KoitvR or Tint PrrAiiTMKNT or Shrki* Husbandry. 
X. A. WILLARD, A. M., Little Falls, N. Y., 
Editor or th* Dkcahtmknt or Dairy Husbawdhy. 
The average mortality among any oonsldei- 
able number of persons may bo learned front 
present statistics, but that which forms the 
basis of the “mortality tables” is purposely 
exaggerated, especially at the younger ages. 
Out of one thousand vigorous lives, such as arc 
selected for Insurance, no more perhaps than 
live in a thousand would die In any one year be¬ 
tween thirty and forty. The t ables used by the 
life companies predict that eight or ten wi 
die. and the premium is augmented propor¬ 
tionately. Two dollars taken off the age oi 
sixty and added to that of thirty, provides the 
company with six dollars and a-half, instead of 
two when the older ages come. A groat gain 
is also made by using a very low rate of inter¬ 
est in calculating premiums. One dollar win 
accumulate, at four per cent. Interest., seven 
dollars and ton cents at the end of fifty years, 
but at seven per cent, twenty-nine dollars and 
forty-six cents. The company, calculating but 
four per cent, interest, requires a single pre¬ 
mium of three hundred and six dollars to in¬ 
sure a thousand dollars, payable at the death 
of one who Is thirty years old, but If they had 
used five per cent., the same Insuranco would 
cost only two hundred and forty-three; if six 
per cent., one hundred and ninety-seven, fifty 
cents; if seven per cent., only one hundred 
and sixty-four dollars. 
The single payment policy is very advanta¬ 
geous and profitable to the company, for if it 
can obtain eight per cent. Instead of four, and 
the insured life Is of average duration, it will 
have in hand nearly four times as much as will 
pay the loss. For the same reason a single pay¬ 
ment Is so unprofitable to the policy holder that, 
few or none are taken —that is, few ttto > aken 
directlv, but a vbsI number indirectly. The 
company ingeniously devises what is called a 
nou-forfeltable policy,” paid up in, say, ten 
payments or years, which, when so “paid up,” 
is neither more nor less than a single premium 
ky installments. 
A man of thirty pays $37.00 (with an addition 
of $9.31, making a gross premium of $40.07) an¬ 
nually until lie is forty years old, for a paid-up 
policy. He pays really $8.80 for terra insurance, 
$9.31 for expenses and $28.86 for an endowment 
of $;381, payable at forty, not t o ldmself, but. to 
the company as a single premium for one thou¬ 
sand dollars, payable at his death, lie thereby 
locks up in the company's Treasury a sum which 
will yield his family a thousnnd dollars, always 
provided he does not outlive the company, but 
which, it used or invested at eight percent., 
would yield $5,633, to comfort the years after 
seventy-five. He insures himself at forty with 
*391.04 of Ills own money; with $482 at fifty; 
potato beetles in a potato patch. It is not in¬ 
frequent to hear Intelligent men say, “If 1 
wanted political promotion, If I wanted to win 
popularity, I would Join the Patrons of Hus¬ 
bandry." These men evidently have the poli¬ 
ticians’ estimate of the men who till the soil. 
This estimate is not without foundation. The 
farmers have so long allowed themselves to be 
duped by t hese smooth-tongued flatterers and 
eulogists of the dignity ot labor, that it. i» not 
unnatural for the latter to suppose that an ex¬ 
hibition of zeal in the promotion of measures 
the farmers are now demanding of legislators, 
will work the same result as It has hitherto 
done. 
We rejoice that the farmers are placing a 
correct value upon the profession and zeal of 
these political “ Hay-seeders.” Let. this name 
attach to every professional politician—to every 
man who makeB office-seeking a profession. Let. 
this title, “ Hay-seeder,” carry with It as much 
contumely and contemptuous disrespect when 
applied to a politician who has lived and Sb 
trying to live on the suffrages of the people as 
it has meant in the minds of this same class 
when they have applied it to their bucolic 
dupes. Let a politician who asks for farmers' 
votes be asked in return If ho is a “ Hay-*6ed- 
cr.” if his reply is In the affirmative, as It will 
be likely to be, avoid him as a saint avoids sin. 
This phrase, "hay seed in the hair," as it is 
most frequently applied, ought to be a stimu¬ 
lus to every man engaged in any department 
of husbandry to inform hlmsel f thoroughly, nut 
only in all matters that pertain to his vocation, 
but In relation to the general business, poliTi- 
cnl and social interests of the country. It 
ought to stimulate the cultivation of more self- 
respect, self-reliance, seir-assertlon. It is doing 
so, we believe. The scales arc falling from the 
eyes of mou who have hitherto conceded ull 
the virtues and a vast amount of super-knowl¬ 
edge to those whom they have blindly elevated 
by their suffrages. Whether all action that 
may be taken be wise or not, whet her grievous 
mistakes are made or not, wc have full faith In 
the wholesome result to the body politic to 
follow this grand opening of the eyes or the 
blind, the ears of the deaf, and t his bathing in 
the healing pool of independent thinking and 
acting, which Is now in progress In nearly 
every township devoted to agriculture. The 
uncertainty of the political future, as viewed 
from the standpoint of the professional poli¬ 
ticians, is exceedingly gratifying to every man 
who knows how compactly political parties are 
organized, and what power they exert upon 
the masses through such agencies. The same 
power to compute the chances of success no 
longer exists. It. Is too much like attempting 
to count hay seed. It is as uncertain as at¬ 
tempting to tell where a thistle seed will lodge 
when once it is afloat in the air. All modern 
efforts at centralization of political power 
seem likely to have been in vain, and there is 
still the auspicious hope that the Government 
of the people, for the people and by the people, 
Is not yet overt hrown. 
G. A. C. JIARNETT, Publisher, 
TERMS, IN ADVANCE: 
Nobscriptlon.-SIngie Copy, $2.50 per Year. To 
Clubs:—Five Copies, and one copy free to Agent or 
K o(ter up of Club, for *12.50; Seven Copies, and one 
free, for f 16; Ten Copies, and one free. $20—only $2 
per copy. As we are obliged to pre-pay the American 
postage on papers mailed to foreign countries.Twenty 
Cent* should be added to above rotes for each yearly 
copy mailed to Canada, and One Dollar per copy to 
Kui ope. Drafts. Post-Office Money Orders and Regis¬ 
tered Letters may be mailed at our risk. fff* Liberal 
Premiums to all Club Agent* who do not take free 
copies. Rpectmon Number*. Show-Bill*. Ac., sent free, 
ADVERTISING RATESt 
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PUBLICATION OFFICES: 
78 Duane Street, New York City, and No. 67 
East Main St, (Darrow's Bookstore, Osburn 
House Block,) Rochester, N. Y. 
Naming Reliable Commission Houses.— A 
Missourian writes the Rural New-Yorker: 
“Will you please give me the address of some 
good, straighl-forward commission house that 
handles but t or, eggs, poultry, Ac. Have made 
shipments there, but with very unsatisfactory 
returns, long delays, &c.” Why any Missouri 
farmer should ship butter, eggs and poultry to 
New York City we do not understand; there 
must be nearer and better market* than New 
York. We have no opportunity nor do we 
make it a business to look for “ reliable ” com¬ 
mission houses; we do not have transactions 
with or through them to any amount. If we 
name one as reliable we may omit a dozen 
equullyso. We cannot undertake this “ mim¬ 
ing” businoss. 
'ctkSi, 
SATURDAY, MAY 
REMOVAL AND EXPANSION I 
Moore's Rural in New Quarters 
It affords us pleasure to announce that the 
Principal Publication Office of this Journal 
has been removed to 
pro. 78 DUANE ST., 
NEAR (AND EAST OF) BROADWAY, N. Y. 
Trk Rural’S new location is not only pleas¬ 
ant and central, (being but two blocks from 
Chambers St. and tho City Hall,) but the prem¬ 
ises afford us enlarged space and greater facili¬ 
ties for the transaction of our increasing busi¬ 
ness and the branches now (and to be) con¬ 
nected therewith. While we may not believe in 
inflation, the requirements of the several dis¬ 
tinct departments of our Newspaper and Book 
business render expansion necessary, and hence 
the change now announced. In Its new quar¬ 
ters the Rural Publishing Company will 
occupy the whole or parts of several floors in a 
fine and commodious building, thus having 
“ ample room and verge enough *’ for Its various 
departments and branches—such as Publica¬ 
tion and Book Offloes,—Editorial, Composing, 
Engraving and Mailing Rooms,—the Rural Pur¬ 
chasing Agency, &c., &c. 
“All changes are not Improvements, " sal th 
the adage, but we think this one will prove 
such to both the Company and Its hosts of 
present and prospective friends and customers. 
It will enable us to conduct the several depart¬ 
ments of the business with greater ease and 
facility, and hence promptness, for the reason 
that most operations will be performed in one 
building. We are not yet prepared to speak 
from actual experience in our new quarters, as 
this is written on the day of removal thereto, 
but we expect to soon have every thing ship¬ 
shape-each department in clock-like order 
and working harmoniously with the others. 
Meantime, and wo trust for a long time there¬ 
after, it will be our earnest endeavor to not 
only fully maintain but augment the character, 
standing and usefulness of the Rural New- 
Yorker, and to so conduct the Book Publish¬ 
ing and other branches of our business as to 
benefit our friends aud the country as well as 
ourselves. 
Co-operative Farming in Louisinnn.— Ten or 
twelve young men, chiefly mechanics, in Bra- 
sbear City, La., have placed themselves under 
the direction of a competent man and secured 
land, seed cane, teams and implements from a 
gentleman who agrees to give them ha'f of 
what tney will raise. This action on the part 
of these young Southerners is highly commend¬ 
ed by the local papers. They ought to be com¬ 
mended if such efforts are exceptional on the 
part of the young men of the South, but they 
ought not to be exceptional. 
RURAL BREVITIES 
T. W. South.— Your stalls should be at least 
five feet wide. 
The receipt of a seedling potato from John 
W. Lou.nsbury is acknowledged. It will be 
planted. 
An Illinois Fish Culturlsts' Convention is 
called at Elgin, May 5, to organize a State As¬ 
sociation. 
Prof. Miles of the Michigan Agricultural 
Collage, it is announced, is soon to leave for 
Europe In search of health. 
Seoretart Reynolds sends us the proceed¬ 
ings of the Nineteenth Annual Meeting of the 
Western N. Y. Horticultural Society. Thanks. 
C. G. Richardson la informed that Practical 
Dairy Husbandry is the work he wants and the 
ooly'work of the kind published. See our book 
list. 
L. G. is informed that we cannot undertake 
to find a man to contract for his Lima beaus ; 
and we certainly know of no one to name likely 
to do so. 
J. N. Bvgg, West Springfield, Mass., editor 
and oompiler, informs u» that pedigree, &o., 
for the Fourth Volume of the American and 
Canadian Ayrshire Herd-Book, will be received 
until June 1, and no longer. 
The Indiana State Fair and Exposition opens 
at Indianapolis, lud., tept. 7th, and continues 
30 days. Tne live stock show occurs (lie week 
commencing Sept. 28. Articles for exhibition 
will be received Aug. 30. Alex. HeiIon, In¬ 
dianapolis, Inch, is Secretary. 
RURAL NOTES AND QUERIES 
The “ Rural Purchasing Agency.”— As will 
be seen by reference to announcement on page 
296 of tills paper, a Purchasing Agency has been 
established in connection with the business 
department of the Rural New-Yorker. We 
think this will prove a groat convenience and 
benefit to many of our readers, near and dis¬ 
tant. The Agency or Bureau, of the Rural, is 
being thoroughly organized, and will be con¬ 
ducted on honorable business principles by a 
Manager of experience, ability and integrity. 
Its headquarters will be at the Publication 
Office of the Rural, No. 78 Duane St., where 
Mr. Redding will always be glad to see, or re¬ 
spond to orders from any of our subscribers or 
friends. Our readers at a distance who wish to 
either purchase or consign goods, wares or mer¬ 
chandize of any kind, should carefully peruse 
the advertisement of the “ Rural Purchasing 
Agency," and all who may apply to it are as¬ 
sured that they will be protected from fraud 
or extortion, for it will not indulge in decep¬ 
tion, while its commissions will be uniform and 
moderate. All interested should address the 
Agent for circulars containing particular infor¬ 
mation. 
BUSINESS NOTICES 
Shipping to Distant Markets.— There are not 
a few people in this country who appear to be¬ 
lieve that produce can be couverted into gold 
and at an enormous profit if once it roaches 
New York city. It Is not Infrequent that we 
hear of some one who has tried the experiment, 
iW“ IMPORTANT. 
The NATL M F’G Co.” 49 Dey St., N. Y., have 10 
v articles of domestic utility; Just out: necessities 
jvery family; samples sent by mail. They want a 
)d agent in every town; will send an lllust’d Cata- 
ue and sample FREE. Satisfaction guaranteed. 
Cotton In Arizona.—A correspondent of the 
Rural Press from Yuma, Arizona, grew cotton, 
ho asserts, seven feet high, and which he is 
told is perennial and w ill produce six or seven 
crops. The sample of fiber sent the Editor Is 
pronounced by him “ of very superior quality.” 
