4J6 
0 
SEPT.42 
MOORE’S 
RURAL WEW-YOBKEB 
PROGRESS AND IMPROVEMENT.’ 
FALLACIES OF LIFE INSURANCE, 
RURAL NOTES AND QUERIES. 
MOORE'S RURAL NEW-YORKER. 
A NATIONAL ILLUSTRATED 
liCEAl, L1TEHA11V AND DAM1LV NBWSPAPBB. 
D. D. T. ESOOK.E, 
Kounder and Conducting Editor. 
CHAS. D. BRAGDON, ANDREW S. FULLER, 
Associate Editors. 
HENRY S. RANDALL LL, D,, Cortland Village, N. Y., 
Editor o» thjc Dkpaktmint of Smickf IIuibanpby. 
X. A. WILLARD, A. M., Little Falls, N. Y., 
F.mroK or thi DEr*K7.vutM or IUikv HoenANDBT. 
G. A. C. HARNETT. Publisher. 
TERMS, IN ADVANCE: 
Hubacrtptiou.—Single Copy. $2.00 per Tear. To 
ClubsFive Copies, and one copy free to Agent or 
getter up of Club, for *12.50; Seven Copies, unci one 
free, for $16: Ten Copies and one free, $20—only $2 
per copy. As we m e obliged to pre-pay the American 
postage on papers mailed ta foreign o<: entries, Twenty 
Cents should bo added to above rates for c-acb yearly 
copy mailed to Canada, and One Dollar per copy to 
Em ope. Drafts,Post-Ollicc Money Orders and Regis¬ 
tered Letters may be mailed at our risk. E2f Liberal 
Premiums to all Club Agents who do not take free 
copies. Specimen Number,:. show-Bllls. Ac., sent free 
ADVERTISING RATES: 
Inside. 14th and Lth pages (Agate space).60e. per line. 
“ 13th page.-.70 “ 
Outside or last page.LOO 
Fifty percent.extra for'unusual display. 
Special Notices, leaded, by Count.L25 
misiness •* LgO “ 
Disooiint on i Insertions. 10 per et.;R ins,. 15 per ct.; 
12 ins., 20 per et.; 26 ins., 25 per ct.; 02 Ins., 03M per ct. 
j2f~No advertisement Inserted for less than $S, 
PUBLICATION OFFICES: 
No, 78 Duane Street, New York City, and No. 67 
East Main St., (Darrow’s Bookstore, Osburn 
House Block,) Rochester, N. Y. 
SATURDAY, SEPT. 12, 1S74. 
ATTENTION EVERYBODY! 
The Rural's Fall Campaign! 
A THIAIi TRIP ! 
Four Mouths for Only Fifty Cents! 
THE BEST OFFJBK YET ! 
All Aboard for the Closing Excursion of 
the Twenty-Fifth Annual Cruise 
of Moore’s Rural! 
AGENTS, ' SUBSCRIBERS MD OUTSIDERS 
WILL PLEASE 
READ, HEED AND ACT! 
The Rural New-Yorker last week entered 
upon Ihe Fall Term of its Twenty-Fifth Year,— 
and, in order to close its first quarter of n cen¬ 
tury properly and yet a good send-off for its 
next annual voyage, proposes to make it an 
object for at least ten thousand persons to take 
a Trial Trip on board the staunch old craft. 
Please lister: to our propositions: 
1. The Tilli-tern Numbers of the Ruhal'6 
closing Quarter for 1874—Oct. 1 to Dec. 81—will 
be sent, On Trial, for Only Firry 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, 
we will do still better, aa follows: 
FOUR MONTHS FOR FIFTY CENTS. 
2. To every person whose Trial Subscription 
of Only Fifty Cents is received before Sept. 10, 
we will send Seventeen Xumhers of thcItvii\L, 
or the issues fur Four Months, from Sept. 5 to 
Dec. 31. To those whose money Is received 
after Sept. 10, and previous to the 15th, we will 
send the Sixteen Numbers from Bopt. 12; to 
those sending before Sept. 20. we will mafl the 
Fifteen Numbers from Sep:. 19; acid to thoso 
sending before Oct. 1, we w111 mull the Four¬ 
teen Numbers from Sep*. 20. In other words, all 
whose remittances reach us before Nov. 1 will 
be sure to receive the Thirteen Numbers of the 
Trial Quarter,—and such as remit oarly, or so 
ns to reach us before Oct. 1, will receive from 
Fourteen to Seventeen Numbers, ns above 
stated. Thus the earlier you send the more 
papers you will receive in return. 
Agents, Subscribers and other friends of 
Moore’s Rural are earnestly invited to make 
Unown the above offers, and to lend their 
influence to render the Trial Trip a success. 
Number XXIV. 
Publio confidence is indispensable to the 
success, If not also to the very exhtenoe, of 
every business which require* pref ent payment 
for a future consideration. It la most essential 
to the business of life insurance, where the 
credit given (by the policy holder?) sometimes 
extends over an Indefinite period, and the con¬ 
sideration is nearly always contingent, and con¬ 
ditional. The assurant or policy taker is asked 
fora triple faith—in the reliability of the (lata 
or underlying principles, in the wisdom and in¬ 
tegrity, present and future, of the administra¬ 
tion, and In the truth of the representations 
made by the company’s agents. The first 1* 
justified by ample proofs; the second has, in 
many cases, no better foundation than the 
assurance that a paying business will be per¬ 
petuated ; the third, which is nearly always a 
matter of personal and Individual confidence, 
is the weakest link In tho chain and the often- 
est trusted. 
Few who insure know anything whatever 
about rates of mortality and interest, or how 
the application of principles affects their or 
company’s security. The unwritten philoso¬ 
phy, the mathematical arcana of the actuary, 
and the tricks of management, are equally 
hopeless mysteries; but the agent — the plausi- 
h!« and agreeable canvasser Is something 
tangible. Armed with what, appears to be au¬ 
thority from Lhe company, and ready with a 
solution of every perplexing mystery, compan- 
able, agreeable, nod especially magnetic, It Is 
not at all wonderful that he found conviction 
and compliance easy. Tho trouble begun when 
ho began to abuse the personal confidence ho 
inspired, promised as Inducements more than 
the company could fulfill, and misrepresented 
everything, from the purposes of insurance to 
the nature ami conditions of the policy. 
This pleasant fellow made promises which 
are now known to bo impossible of fulfillment, 
and statements that were discovered to be lies 
when the company repudiated the entire verbal 
part of all tils bargains. The public, that has 
paid well for its experiences, now knows that, 
this pleasant and plau lblo agent was an un¬ 
scrupulous scamp, who sought and obtained 
confidence only to betray it for his own ends; 
but how is the public to know that his successor 
-thO pleasant and plausible gentleman who la 
now agent—Is better deserving of confidence or 
the vicarious kickings It owes to the other fel¬ 
low? The public has sowed learned the old- 
time tricks that It cannot be deceived by them; 
but which is most fertile, the Ingenuity to dis¬ 
cover new tricks, or the ingenuity to create 
them ? The prospective reply is not encouiag- 
iug. Few people can be induced to believe in 
annual dividends of fifty or sixty percent, upon 
new policies, but how many are credulous of 
the.possibility of a little fortune from the ac- 
camuUitai dividends of ten or fifteen years ? 
There is no prospect of remedy through the 
agotiis. They may be expected to be equal to 
the occasion, and, with the assistance of their 
employers, to Invent new devices us rapidly as 
the old become stale and unprofitable. The 
man who understands insurance or anything 
else w ill always be able to outwit the muu who 
docs not, and to invent every* month, if neces¬ 
sary, a plan and policy that means one thing to 
tho Stato Superintendent and maybe made to 
mean a very different thing to the credulous 
portion of tbs public. 
A great number of well-meaning people have 
lost confidence In insurance, and some have 
lost money by trusting to the representations 
of the companies' recognized servants. They 
need and desire insurance. They can obtain 11 
only by dealing with a class of so-called agents 
whom they now know to bo not one whit more 
responsible than those who left them a legacy 
of disappointments, for no agent, canvasser or 
representative is authorized to bind the com¬ 
pany to any compact with a policy holder that 
modifies or extends the provisions of the policy. 
While It Is, to nine persons in ten who take in¬ 
surance, Impossible to transact business with 
t he company without coming Into contact with 
the agent, it Is well to keep in mind, at every 
stage of the proceedings, thattho agent’s power 
is limited to forw arding tho application, deliv¬ 
ering the policy and making the collection. 
This is all he is authorized to do without a 
special, written order. IIe acts In all other re- 
speclsas the non-commissioned agent of the 
party making the application, and except in 
doing the three things above named, he can do 
nothing whatever in the name of the company 
for which the company is legally responsible or 
which it may not legally repudiate. 
The agent may be an old acquaintance, an 
insurance expert thoroughly conversaul with 
his business, a polished gentleman and all that, 
but if as honest as capable he will not claim 
to represent the company except In doing the 
three things enumerated above. If be makes 
such claim he is dishonest; if not, the whole 
matter is relegated to tho bare stipulations of 
the policy- 
--- 
A Daily Harvester,—The Willamette (Oregon) 
Farmer tells this:—“A friend of ours, over in 
Polk, wanted a hand the other day to drive a 
reaper, and bis married sister-in-law, who was 
there on a visit, heard him say be would pay 
$i 50 a day lor a hand. She stepped forward, 
Claimed the job, took tho reins and proved to 
be a success. We understand that she kept it 
up for several days and did first-rate work.” 
Decline in the Price of Wheat.—It having 
become evident that the grain crops of both 
North America and Europe are above an aver¬ 
age, a reduction in the price of wheat see ms 
Inevitable. According to the best authorities 
the European demand for breadstuffs will bo 
far less than the supply, and consequently we 
may look for reduced prices. The fact that we 
have an unusually large yield Is our greatesi 
consolation—the extra yield making amends for 
the reduction in price. It isalrcady pretty w-ell 
ascertained that, England, the great consumer 
Of our breadstuffs, will want, less froth foreign 
countries than she has taken for several ye;tr.<. 
while France and Germany, instead of being 
competing purchasers with England for Amer¬ 
ican wheat,, will be competing sellers with 
America In the English market. Such being 
the facts our producers of breadstuffs cannot 
expect present prices to be long maintained ; 
on the contrary, a gradual if not material re¬ 
duction may be anticipated, and we therefore 
advise our grain-growing readers of the pros¬ 
pect. 
\ew England Agricultural Fair.— Tho Elev¬ 
enth Annual inhibition of the N.E. Ag. Society 
was held at Narragansctt Park and Howard 
llall, Providence. 1L 1., Sept. 1st and 4th. Lim¬ 
ited space prevents our giving an extended re¬ 
port or it. Wc can say, however, generally, that 
t he Live Stock entries were both full and Inter¬ 
esting amt evinced much earo on tho part of 
breeders. The display of Implements and ma¬ 
chinery was almost purely local, W. E. Bar¬ 
rett & Co. of Providence making the largest 
display, closely followed by the Ames Plow 
Co. of Boston. W. Anson Wood had Ills new 
Reaper on the ground. The Boomer A Bosch- 
krt Press Co. showed their new Cider Press 
The Orange Co. Milk Pan, from Franklin,N. Y., 
was the only dairy ulcnsil exhibited. 
The grounds and buildings of the Narragan- 
sett Park Association afforded the best of op¬ 
portunities for flue display and excellent ac¬ 
commodation for the large concourse of people 
who attended tho Fair. Transportation to and 
from the Park might have been improved upon ; 
but in this particular the Fair did not differ 
materially from falls in general. The display 
of horses, both in raclug and other stock, was, 
as usual, very large. Col. Needham, the cour¬ 
teous Secretary, was as ubiquitous as industri¬ 
ous In doing everything to make the Fair a 
success. 
!\cw York glair and Western ft’. V. Fairs,— 
The two most notable Industrial Exhibitions 
announced for the ensuing w> ek are the New 
York State and Western N*ow York Fairs, both 
to ho held at Rochester the former September 
14-18, and the latter September 14 KO Some 
have fcorcd that the hc.lding of these Fairs at 
the same time and place would prove Injurious 
to each organization—cause two failures in- 
stead of one splendid success—but wo trust the 
result will be otherwise, liochester la a grand 
point for Rural Exhibitions, and if two large 
fain, cannot succeed there the same week they 
cannot anywhere In the Union. Perhaps our 
“hope is father to the thought,” but if the 
people of Western Now York—the Eden of 
America—turn out in their might, we sbail wit¬ 
ness two fine exhibitions, largely attended. We 
purpose visiting both, and hope to have the 
pleasure of announcing that eaoli was a 
triumph. 
About Organs.—We believe in organs. We 
do not know how any man or class of men can 
get along without them, nor. Indeed, bow any¬ 
body can. But when men talk of an organ as 
likely to satisfy the wants of any class of hu¬ 
man beings, we always think of the man who 
once undertook to monopolize the winds of 
the universe by gathering them in a tin tube 
with an enormous flare at one end and a small 
hole with a stop-cock at tho other. On some 
accounts we like to see a newspaper started as 
an “organ.” Why? Because we are “dead 
certaiu ” some one will be wiser within a 
twelvemonth than ever before. And it points 
out precisely where the lack of experience is. 
It enables a fellow to put Ids finger right on the 
The Cincinnati lmluitrinl Exposition was 
opened on the 2d iost., and the occasion is said 
to have been the most enthusiastic holiday 
Cincinnati ever experienced. The opening ex¬ 
ercises were precoded by a grand military dis¬ 
play, and it 1 b estimated that over 100,000 people 
witnessed the parade. The exercises closed in 
the evening w ith a display of fireworks and a 
concert in Horticultural Hall. The receipts at 
the gate were the largest overbad on an open¬ 
ing-day, and larger than the first four days of 
last year. The fine art display is superior in 
both variety and the high style of the works, 
while the Industrial Department was never 
equaled in Cincinnati. The Exposition is al¬ 
ready considered a great success. 
-- 
The Mich. Ag. College ft'at. History Society 
is to be commended, judging by Lhe reports of 
its proceedings that have attracted our notice, 
chiefly for tho fact that by its agency critical 
habits of observation are established, the pu- 
plla set to thinking and generalizing concerning 
what they see. We hope theie are similar or¬ 
ganizations in other colleges of this class. We 
wish there was a Natural History Society in 
every town In the State of New York (aud other 
States),* and that every farmer's boy and girl 
was an active member of it, chiefly for the 
purpose of promoting this habit of observation, 
which is now so generally neglected. 
Prominent Fairs Next Week.—Among these 
are the New York State, and Western New 
York, at Rochester; Indiana, at Indianapolis; 
Michigan, at East Saginaw; New Jersey, at 
Wavcrlcy; Montana, at Helena ; Mich. Pomo- 
logical,at East Saginaw*: Penu, Horticultural, 
at Phila.; and the Illinois Poultry Show, at 
Peoria. Wo hope to receive favorable reports 
in regard to all of these exhibitions. 
Personal. Miss* Mary A. E. Wager, for years 
a favorite contributor to various departments 
of the Rural, recently returned from a two 
years’ sojourn In Europe, and is now visiting 
relatives and friends In Schuyler County, N. Y. 
The letters we published from Miss W. while 
abroad were spicy and Interesting, and we are 
sure her many friends among our readers will 
rejoice at her safe return in improved health 
and good spirits. 
---- 
Rapid Threshing.—The Prairie Farmer no¬ 
tices a recent trial of the Nichols, Shepard & 
CO. Thresher, on the farm of James Poultiju, 
Salem, Ind. The straw was not in very good 
condition and the day was excessively hot, but 
In 7 hours and 60 minutes running time, 1,000 
bushels of wheat were threshed. The machine 
was tho usual ten-horse “ Vibrator," with 
’‘mounted" horse-power, sold by tho regular 
trade and often advertised in tho Rural. 
-- 
RURAL BREVITIES. 
Early potatoes are rotting in Connecticut. 
The horse disease has broken out at St. John, 
N. B. 
Now is a good time to cut briars and dig 
sprouts. 
The corn in many sect ions of Vt. has suffered 
from frosts. 
Early pork is best and cheapest raised. Be¬ 
gin io fatten now. 
Marysville, Cal., baa a second crop of figs 
about bu!f developed. 
DISEASE resembling cerebro-spinal men¬ 
ingitis is fatally attacking cattle in Conn. 
The annual value of the honey crop in the 
United States is estimated at $8,000,000. 
There will bo 10 .),000 pounds of hops raised In 
Puyallup valley, Washington Ter., year. 
The Texas fever is reported to have broken 
out among the cattle in Menard Co., 111. 
Chas. He ticker of San Jose, Cal., received 
958 Angora goats by a single railroad train re¬ 
cently. 
Grape vines should never be allowed to fall 
down from the stake or trellis—keep them fas¬ 
tened up. 
Somebody estimates that the poultry interest 
jn the United States amounts to more than 
$Jb,Uj6,000 annually, 
The Connecticut State Fish Commissioners 
have just put 300,1)00young shad into the lious- 
atonic River at Milford, Ct. 
Mu. M. Brown of Rollins, Lenawee Co., Mich., 
harvested I,.'MO bushels ot Egyptian wheat from 
40 acres of land, this season. 
The Richmond Whig says Virginia has had 
the most unfavorable season for tobacco known 
in that Stale for many years. 
A pleasing s Ign of the time is the readiness 
w*itn winch Western statesmen throw aside the 
cares of State aud attend Granger picnics. 
Do not let the woeds ripen their seeds. Mow 
them now, rake them up, and put them in the 
compost heap under a good coating of lime. 
A beet sugar factory with » capital of $100.- 
000 is to lie l.ullt i.t Aurora. Oregon. An agent 
has been sent to Germany for the necessary 
machinery. 
An Iowa paper predicts that In five years 
every pound of Western Hour will bo sent East, 
in barrels of paper made from the straw the 
wheat grew on. 
The Grant Co., AVIs., Grangers have decided 
to organize an insurance company. They have 
raised $18,U U Ol $30,000 necessary, and are sure 
ol the whole amount. 
It Is now claimed that the so-called Califor¬ 
nia wild coffee Is not I lie coffee plant, hut a 
plant resembling It, the berry of which acts as 
a powerful purgative. 
The farmers of the United States annually 
expend $20,(100,000 in reaping and mowing 
machines. The annual production ia estimated 
at about 135,000 machines, 
The production of wine in Southern Aus¬ 
tralia Is an Importuut branch of agricultural 
industry. The production last year has been 
estimated at 733,478 gallons. 
Agricultural papers are not primarily 
newspapers. It. is their province to tell the 
things that are known to be true. Aud to re¬ 
peat, aud repeat again and again, over and 
over. 
Brigham Young i» experimenting on the 
pror gallon of fish and oysters in the River 
Jordan, Utah, aud hopes to succeed. Where 
is Seth Green? He could help the Young 
man. 
There Is to be a meeting of the New Hamp¬ 
shire State Grange In Manchester, this week, 
for the election of officers, and to act upon the 
constitutional amendment of the National 
Grange. 
TuK outlook for wool is reported good. The 
market is drained almost, and the new clip is 
aiready b night up to a largo extini. There b 
no luasuri mat me price suould decline, but 
rather go up. _ 
BUSINESS NOTICES. 
Are you troubled with garments ripping? Use 
the Eureka Machine Twist, and you will have one 
trouble less. Try it, und you will use no other. 
