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MOOBE’S BUBAL HEW-YOBKEB. 
“PROGRESS AND IMPROVEMENT.” 
MOORE'S RURAL NEW-YORKER. 
A NATIONAL U.LUST HATED 
KUKAL, LITBEAliV A Jill FAMILY MSPAPBl 
D. D. T. MOORE, 
Founder and Conducting Kditor. 
CHAS. D. BRAGDON, ANDREW 6. FULLER, 
Aneociute Kditor«. 
HENRY S. RANDALL LL, D„ Cortland Village, N. Y., 
Editor of th» D*r4iiTMK>T of Shkfp 1 Iusran dry. 
X. A. WILLARD, A. M., Little Falls, N. Y., 
Editob or tmm DmriMtor or Daisy HmunM. 
Ci. A. C. HARNETT. Publisher. 
TERMS FOR 1875. IN ADVANCE, 
INCLUDING POSTAGE, WHICH PCBUSJ-IKRS ritKPAY. 
Single Copy, $2.65 per Year. To Huh*: Five Cop¬ 
ies, and one copy free to Agent or getter up of Club, 
for $13.40: Seven Coplea, and one free, for $17.30: Ten 
Copies, and one freo,$21.50-only $2.15 per copy. The 
above rates include postage i which we shall Tig obliged 
to prepay after .Inn. 1, 1875, under the new law.) to 
any part of the United htntes, and the American 
postage on all copies mailed to Canuda. On papers 
mailed to Europe, by steamer, the postage will be 85 
cents extra -or $3.50 in all. Drafts, Punt-Offioe Money 
Orders and Registered Lett: rs may be mailed at our 
risk. 217“ Liberal Premiums to all Club Agents who 
do not take free copies. Specimen Numbers Show- 
Bills, &e., sent free. 
SATURDAY, OCT. 10. 1874. 
THE RURAL’S FALL CAMPAIGN. 
A TRIAL 37B.IP ! 
How lo Save Postage Next Year. 
The Rural New-Yorkkk recently entered 
Upon the Fall Term of Its Twenty-Fifth Year,— 
and, in order to close its drat quarter of a cen¬ 
tury properly and get a good send-off for Its 
next annual voyage, proposes to inako It an 
object for at least. ten thousand persons to take 
a Trial Trip mi board the staunch old craft. 
Please listen to our propositions: 
1. The Tli I rice ■■ Numbers of the Rural's 
closing Quarter for 1874—Oct. 1 to Dec, 31—will 
bo sent, On Trial, for ONi.YF.tvrv Cents, to the 
address of any person in the United States 
whose remittance Is received before Nov. 1, 
2. To all whoso subscript ions for 1875 (whet her 
singly at $2.50 per copy, or In clubs at $2.) are 
remitted previous to Dec. 1,1874, we will send 
the Rural for the ensuing year free of postage, 
or prepay tbe. postage tinder the new law. All 
subscribing after Doe. 1 will be charged 15 cents 
extra for postage—so t hat those remitting early 
will save that amount. 
Agents. Subscribers and other friends of 
Moore’s Rural are earnestly invited to make 
known the above offers, and to lend their 
influence to render tbe Trial Trip a success. 
SOME “RURAL” BUSINESS. 
Agents, Subscribers, and others Interested In 
Moore’s Rural, arc reminded of our recent 
announcement for 1875, (see last page of recent 
number*,) and also of our offer of the present 
Quarter’s issues, on trial, in* republished above. 
We trust that as many of its friends as can con¬ 
sistently do so will ■ ive the “Old Rural’’h 
lift at this juncture by inducing their neighbors 
and others to try the Thirteen Numbers of this 
Quarter. Many are kindly doing this,but our 
books are not yet full nor our extra edb ion ex¬ 
hausted. Therefore, like Oliver Twist, we 
ask for more. 
Note, also, our offer (above) to prepay postage 
for next year on all copies subscribed for pre¬ 
vious to Dec., ensuing. Agents forming clubs, 
and subscribers who remit, singly, should take 
advantage of this liberal offer, as by doing so 
they will save considerably more than interest 
—while our Premiums will be the same on 
clubs, or portions of clubs, ordered before Dec., 
as those given later. 
Speaking of Agents and Clubs, let us add that 
our new and very liberal Premium List will be 
ready and sent (together with Show Bill, Speci¬ 
mens, &c.,) post-paid, to all applicants disposed 
to form Clubs for 1875. In writing for them 
Agents and others will please specify the num¬ 
bers of documents desired, and we will en¬ 
deavor to respond accordingly. 
One thing more. Don't wait for documents, 
hut commence mahinti up Clubs for 1875 at once. 
Send either Trial or Annual Subscribers, or 
both together, and wo will not only till all 
orders promptly, but give you a paper next 
year of which you will not be ashamed. 
fallacies: OF LIFE insurance. 
U. Number XXVIII. 
Accident Insurance Is comparatively a re¬ 
cent invention. The oldest regular company 
specializing insurance against casualties was 
organized more than a quarter of a century 
ago, though something of the sort la said to 
have been done previously In a desultory way 
and in connection with otbor insurances. It 
began, like life Insurance, by taking special 
risks for short periods, waiting prudently for 
fuller development until it could build a surer 
foundation upon statistical material. To aggre¬ 
gate this material required a deal of labor and 
patient, research, and no mean genius for classi¬ 
fication. The mortuary records of a single city 
during a short period sufficed the purpose of 
the constructor uf one of the most reliable 
mortality tallies used for life companies. The 
labor was easy, because there was but one count, 
that of death, to chronicle and tabulate; that, 
of a similar record of the various and almost 
numberless accidents that befall mankind 
would appear to defy enumeration ami clas¬ 
sification. 
The research developed astounding results. 
H can be readily believed that human lift) ter¬ 
minates In accordance with a certain natural 
law of decrease; that,of a given number of liv¬ 
ing; if the number bo sufficient ly large, a cer¬ 
tain proportion will die within a year or any 
other period that may be select ed ; bur, that a 
more or less fixed percentage will meet with, or 
die because of. a certain kind of accident, is not 
as easily credible though equally true. 
Accident. Insurance required the collection 
and classification of a volume of statistical in¬ 
formation sufficiently vast to embrace every 
variety and degree of casualty under any pos¬ 
sible condition, before It could lay claim to an 
equitable and scientific adjustment of premium 
In risk. Even then there remained the act uar¬ 
ial labor and skill necessary to provide the ap¬ 
pliances to suit the requirement* of those who 
desired insurance for a day or a Journey, as 
well as those who, more prudently, insured 
against all the accidents of a life time. 
Ton years since, when Mr. James G. Ratter- 
son, who may bo regarded as virtually the 
regenerator. If not the creator, of this form of 
insurance, set about tbe labor of adjusting this 
Insurance to suit the needs of American occu¬ 
pations and conditions of society, he was forced 
to re-adapt and reform the business until there 
was little of English precedent and lesa of prac¬ 
tice remaining, ow radical the changes that 
were required may.beInferred from the circum¬ 
stance that not ono of the many companies 
that followed closely the English tjatea and 
plans survive, and that only the great genius of 
Mr. IJatterson, and his scarcely Je:-h.distin¬ 
guished on-worker, Mr. Dennis, saved the 
Travelers Insurance Company from a similar 
fate by remodeling everything from the table 
of rates to 1 lie agency system. The Travelers’ 
Insurance Company has, under its original man¬ 
agement, so fur outstripped all its competitors 
as to be regarded as almost the only general 
accident insurance company. It has nearly 
three millions of solid, well-invested and pro¬ 
ductive assets, and nearly a million of surplus 
over and above all liabilities on insurance ac¬ 
count., or one dollar aud thirty-three cents for 
every dollar of liability, and stands deservedly 
in the very front rank of staunch, vigorously- 
conducted companies. 
No one can underrate the Importance or ne¬ 
cessity of accident insurance, especially to those 
whose time is money, when it Is known that 
the victims of accident draw from the treasury 
of the Travelers’ an average of seven hundred 
and fifty or eight hundred dollar.-, every day. 
To the workingman, to the farmer and artisan, 
whose Income ceases or is impaired when dis¬ 
abled, accident insurance offers an indemnity 
and compensation for lost time that can be 
obtained in no other way and from no other 
source. Benefit societies and trades unions 
may do something, but the benefits derived 
from them are nearly always as uncertain as 
the continuance of such associations. What is 
needed in the event, of accidental disability is 
certain and speedy relief, and .vs can be best 
and most certainly afforded by a wealthy cor¬ 
poration financially interested in making each 
beneficiary a grateful partisan and friend. Ac¬ 
cident insurance should never be neglected or 
postponed, for, as its name indicates, it is one 
of the misfortunes for which there are no pre¬ 
ventives. Gross negligence may Invite them, 
but no precaution can wholly avert them. 
The consciousness of long-lived ancestry, good 
health, a salubrious locality and ample facili¬ 
ties for prolonging life may, In exceptional 
oases, be accepted as pretexts for omitting or 
deferring to insure one's life: but accidents 
follow no precedents of longevity and respect 
no hygienic rules; they pass by the engineer to 
assail the occupant of thepalaoe car, and spare 
the mill hand though they seize the banker. 
To agriculturists accident insurance is almost 
indispensable , Accidents occur most frequently 
during the busiest seasons of planting and har¬ 
vest, the times when every moment must be 
utilized—when, if there is no compensation to 
the disabled, the loss of time and effectiveness 
is most seriously felt; but if insured for a suffi¬ 
cient compensation, accidental injury means a 
hand instead of the one lost—a help paid by the 
company. 
There is no insurance against general acci¬ 
dents as certain, secure and prompt as that of 
the Travelers—no other managers of accident 
insurance who have demonstrated their ability 
to create a new scheme and form of insurance 
and a demand for It after it was Invented, no i 
others who have shown to an admiring world 
how successful success Is. We give to them a 
hearty commendation. The Travelers issue all 
desirable forms of life Insurances, at the lowest 
rates consistent with (safety, and their policies 
have this merit to commend them, that they 
present a definite contract, free from ambigu¬ 
ous language, dividend uncertainties and cumu¬ 
lative premiums- 
- -*■■*■■*- 
RURAL NOTES AND QUERIES. 
“Worthy” of Honorable Mention.—Oil the 
last day of the recent N. Y. State Fair we had 
occasion to visit the Implement and Machinery 
department after the crowd had departed, and j 
almost the first man we met was Lyman 13. 
Langworthy of Rochester for over forty 
years a writer for the Agricultural Press (he 
was a contributor to the old Genesee Farmer 
and Associate Editor of the Rural New-York¬ 
er on Its start.)—chairman of the Committee 
on Machinery, &C., at many of the early Fairs 
of our State Ag. Society, and who servedJn that 
capacity annually until he peremptorily de¬ 
clined t he honor and labor. In 1843 Mr. L. was, 
we believe, Vice-President of rite Society and 
also chairman of the aforesaid committee be¬ 
ing regarded as the best, informed man in the 
State concerning agricultural machinery—and 
he was of course at the dinner or supper when 
Daniel Webster delivered Ids celebrated 
speech congratulating the people of Rochester 
upon having a greater water fall (150 feet high) 
than the Grecians or Romans ever p sscssed. 
Although Mr. Langworthy i< now eighty- 
seven years of age, he is still, both physically 
and mentally vigorous, and wc trust he may 
long be spared to his friends and the commu¬ 
nity for whom be so successfully labored half 
a Century ago. His hosts of friends among our 
readers will be glad to learn that Mr. L.’s hu¬ 
mor and genuine bonhomie remain unimpaired, 
while he is as instructive In conversation on 
scientific and practical subjects as of yore. 
— While on the grounds wc also had the 
pleasure of meeting Deacon Henry N. Lang¬ 
worthy, brother of the above-named, who 
some thirty years ago ranked among the most 
careful and succcrsful fruit-growers in the 
vicinity. His famous fruitery—Crescent Farm, 
on the Genesee, lu lrondequolL—was for years 
noted for the excellence of its peaches, pears, 
grapes, &c., and annually visited by many 
Rochcsterlaus, as well as prominent people 
from a distance. We were glad to find Dea.L., 
though nearly an octogenarian, “holding his 
own” in personal appearance and mentality. 
May his years be many in a land he has done so 
much to make blooming aud fruitful! 
-- M l 
That the Osburii IIduhc, Rochester, is the 
hotel out of New York City (if not excepting 
said city) was demonstrated by Captain Dan 
Bromley and his associates and assistants 
during the recent State and Western New York 
Fairs. We know whereof wc affirm when we 
say that guests never received better attention 
than during the week of said Fairs at the Os- 
burn. Though the houso was overcrowded 
everything was like clockwork, and no one was 
neglected nor bled unmercifully, as has been 
the practice of lintels at Fairs aforetime. In¬ 
deed, we know of no hotol in the land where 
there is a better table or more prompt atten¬ 
tion in all departments—all which we say the 
more cheerfully because we paid our bill and 
asked no favors. Rochester ought to be proud 
of the Oaburn and its hosts, and as to Capt. 
Dan he is not only a “host,” but has the happy 
faculty of making his guests feel " at home." 
-«»» - 
To the i*rc»» or Rochester, both dally and 
weekly—especially to the Democrat and Chron¬ 
icle, Union and Advertiser, Evening Express 
and American Rural Home,—the editor hereof 
bows as gracefully as possible, with Summer 
hat (which people say ought to have been 
“taken in "a week ago) in hand, in acknowl¬ 
edgment of kind mentions during bis recent 
re-visitation to radical, reformatory, rural, 
regal and replete Rochester—the most charm¬ 
ing city of its size on the Continent. The 
progress and improvement inaugurated in tbe 
city and its suburbs wit bin tbe past few years are 
simply amazing, and comparatively speaking, 
excels tbe advancement of such villages as 
New York, Boston, Philadelphia, &c. Wc still 
hold that Rochester is “the Metropolis of the 
Eden of America." and will so contend against 
all comers. 
From and About IVorfoRt, Vn.—Mr. MATTHEW 
Hare, an old Agent-Friend and correspondent 
ol the Rural, of Norfolk, Va., called on us 
last week on his way to Western New York. 
He speaks favorably of the crops in his section 
of Virginia, and sayB the corn orop Is the best 
grown for many years. What is most needed 
In his region is men with money and muscle to 
purchase and cultivate the farms now lying 
almost waste. Almost every farmer has more 
land than he oan work, since the war, and 
many do not occupy their farms. Most of them 
ought to sell portions qf their farms, and con¬ 
fine their efforts to a less number of acres. 
Farming lands, five to ten miles from Norfolk, 
can be bought at $5 to $20 per acre, but of 
course farms near the city cost more. Mr. H. 
thinks the vicinity of Norfolk very desirable 
for Northerners looking for homos in the South > 
and says several have recently located. The 
soli and climate are favorable, and tbe facilities 
for shipping early vegetables, fruit, etc., to New 
York, render the point advantageous. 
Book)) for Winter Study on the Form.—“ ,\ 
Young Farmer” writesSend us your price 
list of agricultural books. T got some of you 
two years ago and they are the most profitable 
Investment I ever made. I want to make an¬ 
other for t his winter’s study.” We commend 
this young man’s example to others. No man 
can study n subject In which he is directly and 
pecuniarily Interested too thoroughly. It is the 
best lawyer who masters both sides of his case 
completely before going to trial; so the farmer 
who wants to manipulate soils, cultivate 
plants, grow stock or manufacture cheese or 
butter, cannot get too much of the experience 
of and knowledge of others In addition to his 
own. Standard books on any special branch of 
husbandry are good property to invest in, pro¬ 
vided they are studied. 
-•*« ■ 
Progress of Our “Trial Trip.”— The offer of 
the numbers of the Rural from Oct. to Jan., 
on trial, at only fifty cents. Is bringing us nu¬ 
merous new recruits siDgly and in clubs, with 
many kind expressions of appreciation of the 
paper. For instance, an old subscriber at East 
Derry, N. H., (Mr. C. C. J.J in remitting for a 
small club, saysThe first naoio is paid for 
by Mr. P. himself; the last by myself in order 
to introduce your splendid paper to one who 
will appreciate its true merits. Were not tn> 
means limited you should not want for sub¬ 
scribers. Sincerely hoping the dear old Rural 
will long be tinder the command of the same 
Intelligent and able commander, I remain trulj 
your friend.” 
A Basket of Fine Pear* That- received a few 
days iigo from Magars, Kllwangek & Barry 
of tho celebrated Mt. Hope Nurseries), Roches¬ 
ter, N. Y. The "assortment" Included well 
grown specimens of several choice varieties 
and proved guileful to the palates of members 
of the family and sundry guests. All which 
reminds us of a recent visit—after the Roches¬ 
ter Fairs—to the aforesaid Nurseries, when they 
appeared beautiful exceedingly, while their 
enterprising proprietors fully maintained their 
reputation for hospitality. 
- 
Notes Hue.—We have various and sundry 
notes of matters seen at the N Y. State and 
Western N. Y. Fairs, and in country and towns 
subsequently visited. Though we may not he 
able to write out and print alt of these, we 
hope to give at leasi; a portion of them ere 
long, and before tney shall be out of season. 
-- 
RURAL BREVITIES. 
The fleece of the Angora goat is not as yet an 
article of trade iti this country. 
The colil weather is driving the grasshoppers 
south Into the Indian Territory. 
Reports of Fairs are now In order. Givo 
us the main points in regard to your exhibi¬ 
tions. 
Grapes In some sections of New Hampshire 
are twoorihrcc weeks behind the usual state 
of ripening at this time. 
This Quarter’s thirteen numbers of tbe Ru¬ 
ral, sent on trial, for only fifty cents to anj 
address in the United States. 
Brigos & Brother made a grand Floral dis¬ 
play at the Western New York Fair. Hope to 
say more about it, some time. 
The Illinois Fish Culturists* Association is to 
bold its next semi-annual convention at Peoria 
the first Thursday in May next. 
The British sell $1(1,000,000 worth uf goods 
annually to the Japanese, and buy from them 
commodities valued at $15,005,000. 
New England manufacturers of woolen 
goods are curtailing t heir operations in view of 
the slight demaud and low prices. 
A California former, “Jack Peterson" 
by name, sowed 00 pounds of " Proper ” wheat 
last fail and reaped 60 bushels this harvest. 
Members of the Society for the Prevention 
of Hard Times continue to subscribe for the 
Rural lor 1875. Also a good many other 
sensible people. 
The Fat Cattle shown at the Western S, 
Y. Fair by Geo. Ayuault of Poughkeepsie, 
were Immense. Perhaps more anon—when we 
have space to dilate. 
The Texas Agricultural Society, with a 
capital of $100,000. has been formed at New 
Haven, Conn., to own plantations in Texas and 
supply Northern markets with produce. 
The tobacco crop of Kentucky Is estimated 
at only 13 per cent, of an average crop. In 
several other States from the same causes as in 
Kentucky the crop has fared almost as badly. 
It is estimated that there uro now 30,000,000 
of grape vines in the State of California, which 
will yield one gallon of wtue each, and California 
expeots soon to be a wine pioducing country. 
Reader, please don't forget to tell your 
friends of our offer of the present quarter's 
Thirteen number.-, of the Rural, Oct. to Jan., 
on trial, at only Fifty Cents. 
Among the visitors to the late Pennsylvania 
State Fair were Father Crawford and Suyal- 
ldv Teudagh, both of whom seemed to take a 
lively interest iu all that pertained to farm ma¬ 
chinery. These gentlemen are notable men of 
their class. 
BUSINESS NOTICES. 
Buy the Eureka Muchiue Twist, and take 
no other. For length, strength, smoothness and 
elasticity it is unequalcd. 
