MOORE’S RURAL WEW-YORKER. 
SEPT.5 
PROGRESS ANO IMPROVEMENT.” 
MOORE'S RURAL NEW-YORKER. 
FALLACIES OF LIFE INSURANCE. 
NUMBER XXIII. 
A NATIONAL ILLUSTRATED 
D. JJ. T. ZVIOORE, 
Founder u»»tl Oonduotln* EMitor. 
CHA8. D. BRAGDON, ANDREW S. FULLER, 
A eeouiute Kditore. 
HENRY S. RANDALL LL, D., Cortland Village, N. Y., 
Kditob or nut Dsi-aktmskt or Bhsm- IlnsAsaar. 
X. A. WILLARD, A. M., Little Falls, N. Y., 
Editob or tm* ImrAimtrNT or [mu Hussssuar. 
<«. A. (Ji HARNETT, I'm blinker. 
TERMS, IN ADVANCE: 
Hubacriptlou. HlnKlfl Copy, 12.50 per Yonr. To 
Clubs:—Five Copies, and one copy free to Agent or 
getter up of Club, for $12.50; Seven Copies, and one 
free, for f ill; Ten Copies, and one free, $20—only $2 
per copy. A* we are obliged In pre pay the American 
postage on papers mailed to foreign countries,Twenty 
Cents should he added to above rates for each yearly 
copy mailed to Canada, and One Dollar per copy to 
Kuiope. I ire ft s, Post-Oflloo Money Orders and Regis¬ 
tered Letters may be mailed at oar risk. t1f~ Liberal 
Premiums to all Club Agent* who do not take free 
copies, specimen Numbers, Show-Bills, Ac., sent free, 
ADVERTISING RATES: 
Inside, nth and IStli pages (A gate space ).i!0c. per lino. 
** lHth page.70 “ 
Outside or last, page....,1.00 “ 
Fifty per cent, extra I'or unusual display. 
Rpselul Notices, leaded, bycount.1.25 " 
Hustnoss ' 1.W 
beading “ 2.00 “ 
Dlsoount on 4 Insertions, 10 per Ct.: K Ins., 15 per ct.i 
13 Iris,, 20 per ct.; 20 ins., 25 per et.; 52 Ins., 33V< per ct. 
jar No odvertlsemont Inserted for less than $3. 
PUBLICATION OFFICES! 
No, 78 Duane Street, New York City, and No. 67 
East Main St., (Darrow’s Bookstore, Osburn 
House Block,) Rochester, N. Y. 
ATTENTION EVERYBODY! 
The Rural’s Fall Campaign! 
A TRIAL TRIP ! 
Pour Months for Only Fifty Cents! 
TIIIC IJICST OFKBIt YETI 
All Aboard for the Closing Excursion of 
the Twenty-Fifth Annual Cruise 
of Moore’s Rural ! 
AGENTS, SI’BSCKIBKUS AMI OUTSIDERS 
WILL PLICA SIC 
READ, HEED AND ACT! 
The Rural New-Yorker this week outers 
upon the Fall Term or Its Twenty-Fifth Year,— 
and, In order to close Its first quarter of a cen¬ 
tury properly and get a good send-off for Its 
next annual voyage, propones to make it an 
object for at least ten thousand persona to take 
a Trial Trip on board the staunch old craft. 
Please listen to our propositions; 
1. The Thirteen Numbers of the HuitAg.'g 
closing Quarter for 1874 Oct. 1 to Dec. SI— will 
be sent, On Trial, for Only Fifty Cents, to the 
address of any person In the United States 
whoso remittance Is received before Nov. 1. 
To those who remit at once, or before Oct. 1st, 
wo will do still better, as follows: 
FOUR MONTHS FOR FIFTY CENTS. 
3. To every person whose Trial Subscription 
of Only Fifty Cehts Is received before Sept. 10, 
wrwill send Seventeen Numbcrsof the Kuhai,, 
or the Issues for Knur AfnnOkt, from Sop*. 6 to 
Doe. 31. To those whose money Is received 
after Sept. 10, and previous to the Ifith, we will 
send the Sixteen Numbers from Sept.. 13; to 
those sending before Sept. 50, we will mall the 
Fifteen Number., from Sept. 10; and to those 
sending before Oct, 1, we will mall the Four¬ 
teen Number* from Spet. 28. In other words, all 
whoso remittance* reach us before Nov. 1 will 
bo sure to receive tho Thirteen Numbers of ihe 
Trial Quarter,—and such a* remit early, or so 
as to reach us before Oct. I, will receive from 
Fourteen to Seventeen Numbers, as above 
stated. Thus the earlier you send tho more 
papers you will receive in return. 
Agents, Subscribers and other friends of 
MOORE'S Rural are earnestly Invited to make 
known the above ofTers, and to lend tjiejr 
Influence to render the Trial Trip g success, 
There are In every community a goodly 
number of people who think they have sub¬ 
stantial reasons for rejecting life insurance. 
They not only decline to accept it for them¬ 
selves, but they repeat their experiences and 
observations to deter others, taking advantage 
of the history of recent failures, to Impugn the 
financial reliability as well as well ns the Integ¬ 
rity of management of all the companies, with¬ 
out distinction. This Is often both unwleeitml 
dishonest; unwise because the intention Is to 
prevent those whoso lnrnilfe* need the benefits 
of Insurance from obtaining it, and dishonest 
in ascribing to a noble and humane institution, 
faults attributable to their own Imprudence 
and lack of judgment. Many of these malcon¬ 
tents have accepted policies upon the faltli of 
promises made by irresponsible canvassers, 
have been disappointed In the matter of profits 
and are hugging their grievances for the com¬ 
fort It gives them, when In reality they have 
quite as much reason for self-reproach as If 
they had purchased a horse without examin¬ 
ing It, or better assurance of Us value than the 
praises of a jockey. Not one of them would 
fall to jeer a neighbor who would pay for a 
piece of land without seeing It or reading I he 
deed, yet they indignantly demand sympathy 
after buying a policy without reading it or 
knowing what its provisions were, yet the poli¬ 
cy, like the deed, Is a legal instrument accu¬ 
rately setting forth the rights, privileges and 
be ueflts eoul erred. 
There could have been no misunderstanding 
if the purchaser of a policy had exercised half 
the care and scrutiny lie would devote to tho 
purchase of a house. The Initial fault Is not 
With the seller, who Is expected to exaggerate 
the value and advantages of the bargain, but 
with the buyer who is so silly and weak as to 
trust to parole promises. The policy promises 
a future and contingent advantage for a pres¬ 
ent consideration that Is, so mmdi Insurance 
for so much money. These are always precisely 
defined. Tho policy rarely mentions uotea as a 
part of the consideration, and when It docs it 
mentions that interest Is to be paid on them 
until they are deducted from tho face of the 
claim. Nowhere, in any policy, is there a 
promise, either direct or implied, that such 
and such a dividend will be paid. The policy 
and company are carefully and excusably reti¬ 
cent upon tlds point, yet the dividend to lie 
returned makes all the difference between a 
good and a bad bargain for the policy holder. 
The future expense of it polloy depends almost 
wholly upon a contingency which the compare 
cannot assume to foresee, and declines to 
promise, but nine policies in ten are taken up¬ 
on an absurd faltli that the canvasser can fore¬ 
see the results of a future rate of Interest and 
expense with w hich ho cannot Interfere, and a 
future rate of mori.ulitv equally beyond his 
ken. There are apparently no reasons why be 
should not aspire to bo wholly prophetic In re¬ 
gard to those very incidentals to profits, but 
there are reasons for distruslng bis prediction* 
and promises and all the hopes usually founded 
upon them. 
Years ago the same hopes were based upon 
the same predictions, which have since been 
tested with disappointing and often disastrous 
results, yet tho assurant Is only just, now be¬ 
ginning to leant that, however useful ami in¬ 
dispensable In a mediatorial capacity, the can¬ 
vasser is a poor teacher and a worse prophet. 
These promises have been tile bane of the pol¬ 
icy bolder. Tho canvasser made them, makes 
them, and may be expected to the end of time 
to make them. They are as much a part of tho 
process of canvassing aa the meaningless verbal 
jingle of the auctioneer, us hurtful when be¬ 
lieved, and as harmless when tuken at their 
true value. Chiefly because lie Is likely to mis¬ 
represent Insurance in tills direction, the enn- 
vaiwer Is often an unwelcome visitor, who is 
rather more likely to receive vicarious snub¬ 
bing than encouragement; but ho Is usually a 
gentleman, rather prepossessing and always 
plausible, who respects If ho does not cheerfully 
endure preliminary discourtesy until his ex¬ 
ample shames his unwilling host into polite¬ 
ness. One may get rid of him (temporarily, if 
a good canvasser) by persistent rudeness, but It 
Is a I was better to use than to abuse lilim Tho 
best plan Is to hear him out to tho end. He 
has much to say that will Instruct. When he 
describes his plan and grows Importunate, It Is 
well to ask for a copy of the policy, and to 
postpone compliance until every clause is care¬ 
fully examined. Whatever the policy promises, 
the compuny can usually be expected to per¬ 
form, if the payments are promptly and regu¬ 
larly made; but it is best to disregard tho 
parole statements of the canvasser unless they 
are Incorporated In the contract. If they are, 
they are useless; If not, they are dangerous. 
The question may be pertinently asked, Why 
do the companies tolerate and sometimes en¬ 
courage that which, to the credulous, i» misrep¬ 
resentation ? The companies cannot prevent It. 
They would pay any price for a better agency 
system that would enable them to control the 
utterances of their representatives. Under the 
present arrangement, the legal power of tho 
canvasser is so limited as to amount, to no 
power whatever, except to collect money upon 
tho companies’ orders or receipts, liven with 
such limited Tdiscretlon, tho temptations and 
facilities to maguify his office work endless 
annoyance and no little harm. He may be a 
good fellow, a gentleman of irreproachable 
character and exterior, a persuasive talker, an 
agreeable companion and a plausible proiniser, 
but—what he says is not a part of the bargain, 
nnd it is an open and debatable question 
whether the party who trusts his utterances 
more than the letter of tho contract most de¬ 
serves pity or ridicule. 
■-- 
RURAL NOTES AND OUERIES. 
dianapollrt Convention of Dairymen, and would 
probably be the successful competitor. Mr. W. 
writes us that the statement Is erroneous that 
he w rote no such essay,but delivered an address 
at the Convention, from which the figures given 
In tho Courier were taken. Wo cheerfully make 
the correction ; yet cannot refrain from adding 
that the Courier, knowing Mr. Willard's abil¬ 
ity, was not far wrong In giving him credit for 
what ho might have accomplished. 
--- 
A ml Now Give llio Old llurnl a Lift ! 7 es, 
see our offers in first column of this page, and 
then, friendly reader whether an Agent, Sub¬ 
scriber or one who can easily become both 
please udvbe your neighbor* and others you 
meet that we propose to close the Ruhal'm 
Twenty-Fifth Year In tho old-fashioned, liberal 
manner. And, not only tell them, hut lake 
t heir stamps and remit the same thitherward. 
Thai will help us In the ** send-off," and make 
manifest your friendly regard and Interest In 
the continued prosperity of a paper which Is 
doing its “level best” to promote the welfare 
of community and enrich the country. We 
want at least ten thousand passengers for tho 
Trial Trip, and If the Rural'* friends w ill only 
give a hearty pull on the oars of their respective 
yawls that number will soon be on board for a 
pleasant and profitable voyage. I lie crops arc 
abundant, prosperity Is returning, and every¬ 
one who cultivates even a garden can afford to 
at least try the Rural for throe or four months. 
Reader, how many of W«ur neighbors will have 
an opportunity to answer you, “ 1 <’■*, I utUl try 
it. Sirt" Quite a number, we reckon, If you 
only endeavor to Give tii e Old Rural a Lift. 
-♦♦*-- 
llcports of ihe Department of Agriculture. 
Those of our readers Interested In these Reports 
will find Ihe reason of their non-appearance In 
the following recent dispatch from Washing¬ 
ton: The Department or Agriculture Is in 
receipt of numerous applications for reports of 
that Department for the years 1872 and 1873. 
These reports have not ns yet been printed. 
Tho material for their publication has been in 
tho bands of the Congressional Printer for a 
long time, but he refuses to publish them. In 
the act of last Congress making appropriation 
for sundry civil expenses of the Government, 
and under the captlou or ” Department of 
Agriculture," tho section reads, “For publish¬ 
ing the report of the Commissioner of Agricult¬ 
ure for the years 1873 and 1873, $50,000. ’ I his 
was an appropriation to the Department to pay 
for printing such number of tho reports aa are 
usually distributed by it, and so the First Con¬ 
troller of the Treasury has decided, but Mr. 
Clapp refuses to do the work unless be lias the 
disbursing of the money, which tho Commis¬ 
sioner of Agricult ure and the First Controller 
disallowed In obedience to the law. 
This “Statement” Is not complimentary to 
Mr. Congressional Printer Ola it, and renders 
It imperative for him to “rise and explain.” 
- »♦« - 
Grange Lectures. Last week we stated that 
the 11 oil T. A. Thompson, Lecturer of tho 
National Grange, would soon commence a se¬ 
ries of addresses In this State. We have since 
learned that Mr. T. will address public meet¬ 
ings on the principles and benefit* of the Order 
of P. of If., during the ensuing month, its 
follows ;— At Watcrvlllc, Oneida Co., Sept. 5th ; 
Constnblevlllo, Lewis Co., 7th ; Watertown and 
Felts Mills, Jefferson Co., 9th and 10th ; Oswego, 
Oswego Co., 11th t Newark, Wayne Co., 12th; 
Albion, Orleans Co., 12th ; Lockport, Niagara 
Co., 14th ; May villa, Chautauqua Co., 17th ; Ha- 
tavla, Genesee Co., 21st; Honeoye Falls, Monroe 
Co.,22d; Dansville, Livingston Co., 23d; Bath, 
Steuben ('o.,26th ; Kirkwood, Broome Co., 26th; 
Delhi, Delaware Co., 28th ; Albany, Albany Co., 
30th and 80th; Washington or Rensselaer Cu.; 
Stamford, Dutchess Co., Oct. 2d ; Carmel, Put¬ 
nam Co., 3d; Mt. Klsoo, Westchester Co., 5th; 
Goshen, Orange Co., 7th; Long IslaEd, 8th 
and 9th. 
->» > 
A IVm Horticultural Monthly.—“ The Amer¬ 
ican Garden," published In Brooklyn, N. Y., 
by Beach, Son He Co., and edited by the well- 
known horticulturist, Mr. Jamp.8 HOOO, Is upon 
our table, and merit* a hearty greeting from 
tho rural press of the country on account of II* 
fair, clear type and paper, It* attractive form 
and excellent, matter. Technical enough for 
the professional florist, sufficiently uccurate to 
sat isfy the professional botanist, and popular in 
all department*, It certainly bids fair to take 
high rank among our horticultural periodicals. 
The September number is announced as “ No. 1, 
Vol. 1,” of the “third year," which wo confess 
rather mystifies us. The subscription price I* 
$2 a year. _ _ 
New Jersey State Fair.—The sixteenth Grand 
State Fair of the New Jersey 8tate Agricultural 
Society will be held on the Society's grounds at 
Wavorly Station, N. J. Railroad, near Newark, 
commencing Monday, September 11th, and con¬ 
tinuing throughout the week. This Society 1 *i 
this year departed, to a great extent, from the 
practice of awarding medals, and offers money 
premiume, which, with the State premiums, 
amount to the sum of $14,311.00. For Premium 
lists address the Recording Secretary, Wm. M. 
FORCE, E»q„ Newark. 
-- 
Correction.— Ip the last Rural we gave a 
paragraph from the Buffalo Courior, stating 
that Mr. X. A. Willard had written an essay 
to compete for the Dake premiums at the In- 
Tl»e Laborers' Lockout In England. It is 
said that Mr. Joseph Audi, the President of 
tho British Agricultural Laborers’ Union, has 
Issued an address in reference to the recent, 
fuilure of the lockout In the Eastern counties 
of England. He reproaches the laborers for 
their reluctance to emigrate or migrate, and 
enforces the necessity of their becoming Inde¬ 
pendent of external aid. Henceforth, he says, 
they must let Emigration bo their watchword. 
--- 
RURAL BREVITIES. 
Mr. C. S. Bundle of Burleson Co., Texas, Is 
raising cashmere wool. 
There are wild peach trees In Nevada. Tho 
peaches are small and bitter. 
The Cayuga Co. (N. Y.) Ag. Society has en¬ 
gaged WK8TON to walk at its Fair. 
Borrower* of tho Rural are advised to try 
the Trial Trip, and see how good it feels to be 
independent. 
The valuation of the forma of Orange County, 
N. Y., is stated at $15,10 1,000, an-l tlmir yearly 
productions arc valued at $7,000,'KM). 
A man in Victory, Vt„ lost 19 lambs out of a 
flock of 27 by washing them in a solution of 
arsenic to destroy ticks. Too strong. 
Senator Thurman of Ohio has accepted an 
Invitation to attend the next Fair of the Lynch¬ 
burg! Va.) Agricultural and MoChiinlOai Society. 
,Vr Chicago, recently, 88 steers rrom Mon¬ 
mouth, 111 ,, which averaged 1,408 pounds, were 
sold at $076 all average of a little over $09 
each. 
The present barley crop of California, it is 
said, will outweigh that of last year 25 per 
cent., and Lhe total yield Is estimated at 1,100,- 
000 centals. 
A Texas Ag. Society, with a capital of $100,000, 
bus just boon formed at New lluven, to own 
plantations in Texas, and supply Northern 
market* with produce. 
A stock, company has been organized at Live 
Oak, Oregon, for the purpose of placing farm¬ 
er* In the position of wholesale pun; 1 1users of 
nil farming materials, Ac. 
ABOUT 12,000 bushels of llax seed were loaned 
out to farmers by the Dos Moines, Iowa, oil 
mill last Spring, and it !h estimated that tho 
return will bo 30,000 bushels. 
Plant Treks, says a poetical N. H. Editor, 
adding; “ Every tree is a feather in the Earth's 
cap, a plume In her bonnet, a tress upon her 
foi eliead; wherefore, plant trees r 
Reader, please do us and your friends the 
favor to tell everybody of our offer to send the 
Seventeen Numbers of the Rur al, (Sept. 6 to 
Dec. 31,) On Trial, for Only Fifty Cents. 
A BCBSCHIUKR in New England orders five 
hundred copies of this week's Rural for dis¬ 
tribution among bis friends. That "ill aid in 
giving our Trial Trip u good start. Nuxt I 
The present has been the coldest summer ex¬ 
perienced in Newfoundland lor 22 years, and 
scriuu* apprehenaloiia arc felt in regard to tlio 
crops. The cod-fishery lias been very good. 
Gen. UunokrFORD of Adams, N. V., says 
that a wonderful white Cow or bis has given 
over 100 pound* of milk per diem. Tills season 
she is giving an average ol eighty pounds a day. 
Seth GREICN Is to give an exhibition of the 
methods and results of pisciculture at tile State 
fair. Hu is to huvo a special tent forty feet In 
diameter, and will no doubt make a fine dis¬ 
play. 
The Rural Purchasing Agency ha* a time¬ 
ly announcement in l ids paper, to which we 
Invite the attention of ail having occasion to 
procure tfouiia or iirticloBof any kind from Now 
York City. 
A stallion race for a purse of $1,000 came 
off at Lhe Lewis!on fMu.) Driving Park last 
week. Five hordes were eutered. Tho rate 
w„s won by Messenger Knox in three straight 
beats. Best time, 2:34, 
The Giianoe Publishing Co. of this City 
have in press and will soon issue a work enti¬ 
tled “Illustrated Grange, or Patron's Hand- 
Book.'' I i is said to be it very complete work, 
and a large sulo is anticipated. 
The Show of the !to>al Agricultural Society 
ol England at Bedford tills year covered 58 
acres of ground space, and llio Cattle and Im¬ 
plement sheds, If placed In a continuous line, 
would have extended ten miles. 
The Palatka Herald siys tlm report about 
black fungus oil orange trees in Florida groves 
i.N false, and adds:—” Sillcu in the soli discolors 
the orange fruit In some placeB, but this is not 
by any means tho black fungus.” 
ROBERT Rankin of Adams Co„ fllinois, has 
declined the Reform nomination for Congress, 
because be finds it mure profitable to raise 
peaches. He ships 15,00!) boxes of peaches from 
his farm this year, and don't care a straw for 
politic*. 
The Flax production of Russia Is 195,009 
tons per annum; Austria, 45,000; France, 40,- 
600; Belgium, 20.000; Great Britain, 18.0OU ; 
Italy, 12.U00; Bavaria, 0,000; Saxony, 3,000; 
other countries, 8,000. Tho total production in 
Europe 1* 350,000 ton*. 
The Saorsmento boot sugar work* will this 
year make 800 tons of flrst-olass white sugar 
from its now ripening and ripened beets. If 
tills shall bring 11 cents per pound, there are 
$J7«,000 saved to t he labor of California, for all 
this money goes for labor. 
AMONG the Other “big” things exhibited at 
tho Royal English Show, recently held at Bed¬ 
ford, was a “ mammoth mangold 18 inches In 
length'and weighing 6(1 pounds. A lankard 
mangold weighed 30 pounds, and a turnip, 
Swede and Kohl ltabi, 24 pounds,22 pounds and 
20 pounds, respectively. 
