a 
ass 
MOOBE’S RURAL NEW-YORKER 
OCT. 47 
“ PROCRESS AND IMPROVEMENT.” 
MOORE'S RURAL NEW-YORKER. 
A NATIONAL ILLUSTRATED 
BUBAL, LIWBABV AMI FAill.V AWSPAPKB. 
B. D. T. 1VIOOB.E, 
Founder and Conducting Kditor. 
CHAS. D. ERAGDON, ANDREW S. FULLER, 
Associate Kditois. 
HENRY S. RANDALL LL, D., Cortland Village, N. Y., 
Kditoa or rim DupntruxMT or SBxur lluximNi.nv. 
X. A. WILLARD, A. M„ Little Falls, N. Y., 
Eoitos or rim Dipxbt»>mt or Duty Husbandby. 
FALLACIES OF LIFE INSURANCE. 
Number XXIX. 
The rates of premium required by the various 
companies are very nearly the same. A few 
dollars will cover the difference, in the cost of 
a thousand, between the most and least expen¬ 
sive of the participating or dividend paying 
companies, and there is even greater uniform¬ 
ity in the premiums of stock companies. This 
may he said to arise partly from concert be¬ 
tween the companies and partly from the re¬ 
quirements of the insurance laws in regard to 
reserves. 
otpTM^°Z T the m08 ‘ ,a ' l9h ™ te £.7 h rlc “ fr d,r * he “ *PP"*IWed 
-—- ta £33; 230 paB ”- >l " 1 
RURAL NOTES AND QUERIES thp v ,,-T*- 
_ -EixvAXyD. The very Encouraging “Rural Notes» 
are daily receiving from Agent-Friends ane 
ea o John S. Wright. — This gentleman, others, in various parts of the country, sti mu 
the founder of the excellent, industrial journal late U3 to renewed efforts to render this thl 
known »r the Prairie Farmer, and one of the niodp| Rural, Literary and Family Weekiv of 
4 zealous early friends of Industrial Prog. America. If our hosts of friends do what t.hev 
t > e . S r, Northwest ever had, died at West Promise, and we believe they will, we shall hi 
Pin adeiphm Pa., Sept. 28, aged 59 years. .Mr. cabled to furnish a better p.-,per during 18 5 
nroiiT started the Prairie Farmer in 1841. ns a t,,an cv( ' r before. Meantime let every one who 
monthly It was edited by himself and .T. wishes the “Old Rural” well at. once com 
Am drome Wt/iu-p _ , . .. . _ uiiuo i.orn- 
O. A. C. HARNETT, Publisher. 
TERMS FOR 1875, IN ADVANCE, 
I NCI.UDINO POSTASE, WHICH POBURHKRS l’REI’AV. 
SlnKlo Copy, $2.(10 per Year. To Clubs -.—Five Cop¬ 
ies, and one copy free to Agent or getter up of Club, 
for$13.40; Seven Copies,and one free, for $17.2(1; Ten 
Copies, and one free. fZl.VL-oniy $2.U. per copy. The 
above rate? include- pn»tme < which wo shall be obliged 
1 1 prepay after Jan. I, 1975 , under the new law,) to 
any part. o( the United States, and the American 
postage on all coplea mailed to Canada, On paper* 
mailed to Burette, by steamer, the postage will be SS 
cents extra-or Ft.Ml in all. Draft*, Post-Office Money 
Orders and Registered Letters may be mailed at our 
risk. ZTT Liberal Premium* to all Club Agents who 
do not take free copies. Specimen Numbers Show- 
Bills, &c,, sent free. 
-_ 
ADVERTISING RATES: 
Inside, i it ii and 15th pages (Agate space).60c. per line. 
IriIi .. . .•••»•*.*, 70 11 
Outside or lust page ... ’"i oo “ 
Fifty per rent, extra f or iinuatial display.* 
Special Notices, leaded, by count .,1 25 “ 
Business •* .. tfiS •• 
Heading *• ...V/.V.'V.V.V.V.loo “ 
Discount on 4 Insertions. 10 per et.; 8 ins., 15 per et • 
1.1 ms., 20 per Cl.; 2 « ins.. 25 par et.; 52 ins.,¥^per ct! 
No advertisement inserted for less than $ 3 . 
PUBLICATION OFFICES: 
No, 78 Duane Street, New York City, and No. 67 
East Main SI., (Darrow’s Bookstore, Osburn 
House Block,) Rochester, N. Y. 
"i < ; 
ns 
SATURDAY, OCT. 
SWINDLING NEWSPAPER AGENTS. 
A SEASONABLE AND SUGGESTIVE SCREED. 
A note from Mr. II. L. Jknison of Starkey, 
X. Y., to the Editor hereof, says ; “ a man is 
traveling around Schuyler Co., N. Y., agreeing 
to furnish tiie Rural for a year at $1.30. lie 
also says that you will send the Rural from 
October to January to all who will pay the 
postage in advance, for which he collects ten 
cents from each person. Think him to be a 
humbug, and write to ask if you have any such 
person traveling in your interest. Fie also of¬ 
fers Harper's Weekly and Monthly oij the same 
terms. Ills name I did not learn, but will find 
it out and write you again in a few days.” 
The Rural New-Yorker employs no trav¬ 
eling agents, as it has repeatedly stated, and of 
course the person above alluded to is, as our 
friend thinks, u humbug, and moreover a swin¬ 
dler, if he offers this Journal at the figures | 
named. No otic is authorized to offer Moore's 
Rural at any such low-down, pauperish price, 
and wc trust, every one thus attempting to 
swindle the public Will bo treated to a free 
“ride on a rail” and adorned With a suit of 
well, say tar and feathers. Taking advantage I 
of the popularity of the Rural New-Yorker 
sundry scamps In various parts of the country 
annually (and usually at this season) subject 
the public and ourselves to loss and annoyance I ■ 
by their swindling operations, so that we have 
become disgusted with the whole t ribe of de¬ 
ceivers to say nothing of our sympathy for the 1 
well-meaning people who are (heir victims. 
Of course our advising the public against these . 
swindlers is like unto the preacher who talks 
to Ins devout listeners about the wickedness r 
of absentees from the services of the Banctuary 
—for the shrewd rascals who pretend to be au¬ 
thorized agents are careful to avoid calling 
upon our regular parishioners. 
Tho moral of all this is that no one should v 
pay money to a stranger for this or any ot her l, 
periodical. The best way to get the Rural b 
New-York 6 R is t.o send the money direct to 
the Publisher, or subscribe through a local 
Club Agent or your Post-Master. But beware !' 
of all traveling agents or carpet-baggers who ! 
offer you a paper at less than its low est sub- ** 
script Ion rate, for nine times out of teu they Ft 
are low down, mean, contemptible swindlers, 1 
and richly merit tho treatment above suggested! U 
Another suggestion. As you and your neigh- tt 
hors must, (or ought to) hare the Rural for ai 
1875, perhaps the best way will be for you to T 
form a club, aud thus secure a free copy of tc 
the paper or a valuable premium. * j n 
Financial stringency, which com pels retrench¬ 
ment In other matters and modifies prices to 
suit the fluctuations of supply and demand, 
does not yet appear to have affected the price 
of I his prime article of domestic necessity. 
That it will do so is unavoidable. The vender 
or life insurance who does not follow the Cnke- 
town precedent in desiring to boII in the doar- 
p. cst market is either more or less than human, 
b. and the “touch of nature” may be relied on to 
Bn adjust the price of his w f aros to tho clreum- 
t, ° stances of the buyers, 
ml 1 
to Then, Is no need to demonstrate the futility 
in by urging expensive insurances upon those who 
r« have, by lapsing a thousand policies every week 
Sf, demonstrated their inability to pay for even 
sy the cheapest. The emergency will provide its 
ir appropriate remedy. The fart that insurance 
becomes desirable In proportion to the poverty 
M that, renders it unattainable, will be first rec¬ 
ognized by the most enterprising companies. 
The practicability of cheap plans of insurance 
has been debated and studied until itisthor- 
’• I ouglily recognized and understood. Temporary 
insurance may be had very cheaply indeed, but 
the solitary advantage of cheapness Is offset by 
more than compensative disadvantage*. A man 
of 30 may be safely insured a thousand dollars 
; ono s oar for $11.35, or for five years for an an¬ 
nual premium of $11.75, if ho will pay for his 
own medical examination, but he may also be 
insured forf.be same amount a whole life-time 
for about throe dollars more. There is little 
gained by a temporary insurance and a great 
I deal (the privilege of continuing the Insurance) I 
lost. A less objectionable plan is that which 
continues the Insurance for ten or fifteen years ; 
for the sumo annual premium each year, but if, i 
at the end of the term, It is desirable to con- , 
tinuo the Insurance, the policy holder must ( 
encounter the inconvenience of largely-lncroas- t 
od payment. The same advantage and benefit ( 
requires the same outlay. A man thirty years 
old may bo Insured a thousand dollars until 
ninety-five years old for a net premium of $15.34, 
or for $14.51 until 80, for $13.93 until 75, or for 1 
$12.66 until 70. It costs only $.2.70 a year more v 
I to be insured twenty-five years longer, which 0 
I most persons would rat her pay than agree to * 
have (lie Insurance terminate at the age -of 75 . I 1 
What may appear more singular la that, by pay- ° 
ing $ 1.10 additional from the age of thirty to fii 
I until eighty, one may have at the latter age an b 
endowment or $1,000.00, and for $2.50 ;t year may 
draw-the same endowment, at seventy-live. Put. 111 
ting together those two items of insurance pro- ni 
rmums and endowment premium* It Is observed 
l bat for a act annual premium of no more than " 
$16.42, with u suitable addition to defray ox- ** 
Ponses, a man of thirty years may have a thou- Ml 
sand dollars insurance during his productive 1,1 
years .and a thousand in money if he lives until an 
seventy-live yoars old. This is only $1.08 more tie 
than It costs to be insured only, without pro- ou 
vision for old age arid with the certainly of 
having to pay late in life a hoavy premium for < 
a useless insurance. I f rf 
-- - .... journal v*. v-uoi no J Uliucl IIJ m | . 
known sr the Prairie Farmer, and one of the nlodcl Rural, Literary and Family Weekiv of 
xuo. t zealous early friends of Industrial Prog- America. If our hosts of friends do what t.hev 
ST, V'? , , or * bwe,t cvcr lia <k died at West promise, and we believe they will, we shall hi 
Pin adeiphm Pa., Sept. 26, aged 59 years. Mr. *™Med to furnish a better paper during 1 8 5 
nroiiT started the Prairie Farmer in 1841. ns a t,,an ev( ' r before. Meantime let every one who 
rnomhiy. It was edited by himself and j. wishes the “Old Rural” well at. once com? 
a. juxtoHE Might, assisted by one of the largest the new campaign. By taking time bv 
and 11 vest corps of volunteer farm correspond- thc forelock you can make up clubs in advanro 
** ,y . ft KTb'uIttir;U journal at that lime had. of ,hc Inferior, namby-pamby, wishy-washy na 
Jn 1856 lie changed the Prairie Farmer from a per * amJ furnish your neighbors and others an 
month!;, to a weekly, edited by Dr. Jon n A. Retractive and sensible sheet, that, will prove n 
KENjsruuiT. ri. ARLES Betts, IV. F. M. Arnv, welcome visitor fifty-two limes during the year 
and Chas. D. Bragdo*. He controlled this ensuing. (fineyear 
publication until 1857, when business disasters -^- 
compelled him to dispose of the paper. At *' rnn,,,, « ^ooil.-The Eastern Experimental 
1 hat time Mr. WniOu-i held large amounts of Farm l,lb of Chester Co., Pa., has appointed a 
rea estate in Chicago, ami was extensively on- ?°“ ral “®® to investigate the subject of steam- 
gaged in manufacturing Atkins' Self-Raking ,r, «: food for stock, with the direct purpose of 
Reaper, in which he had the most, unbounded f' 1 , 8 ®"” the T'estion “does It pay?” To 
faith, as be did in t he growth of Chicago and h 8 f nd lnf ' ;rmat, ° 1 ' fro ' n a H quarters, pro and 
the development of the Northwest Mr a ,' ,S nsked by U >ocommittee. The Secretary's 
Wkioht was a genial gentleman, enthusiastic '* W ' SHBumw, Tough Kanamon, 
in the promotion of any enterririse to which he 1 L8tei ’ 1 a * w e be pleased to receive 
pinned hi« fait h, and subsequent to his financial an y communication* on this subject from prac- 
failuro < eased not to work for the prosperity prilot,oal "Porlence, for the 
and glory of Chicago and the Northwest ‘ IU1 ^ orrrb. The tendency of later 
- District vs. Slate Kalr»._What is the use of 
the New York State Agricultural Society? It 
* h «> <1 ils F «ir at Rochester, this year, coming in 
- competition the same week with a looal Fair, 
which won Id have made u far totter show than 
; * bat of the State Fair, If t lie State Fair had not. 
been held there. Now wc have, as we write 
i the Central New York Fair at Utica, with its 
i 7,000 entries—2,000 more than the combined 
entries of the N. Y. State and Western N. Y. 
Exhibitions ut Rochester. So far as the Exhi¬ 
bition goes, tho Utica Fair la a great success. 
Albany, on the grounds occupied by the State 
Fair last year, had a grand exhibition this year. 
With these local district Fairs, hadn't tho state 
Society better neaee begging local favors ? We 
fancy the local favor* will not bo forthcoming 
as soon as it is learned (wc think the event, has 
transpired now) that as good or better Fair- 
can be held without tho aid (?) of the State So¬ 
ciety, and that the money made may help to 
support local officers (and enterprises), rather 
than those whose headquarters are at Albany. 
*-m- 
The Show of Fish at the IV. Y. State Fair, 
by that inimitable Pisciculturist, Seth Green! 
was the most wonderful and attractive display 
on the grounds. Imagine a large tent with 
some forty or fifty aquariums (we didn’t count 
them) in a large circle, filled with every species 
of fresh-water fish, from the smallest trout to 
sizable salmon, sturgeon, etc., all kept lively 
by a Stream of fresh water, while a crowd con¬ 
stantly pressed around to see the novel sight 
anil get a glance of 8 ktu himself, who was the I 
most sought, after and popular man around * 
and you have a faint idea of the “situation.” 1 
Wc took somo notes of the exhibition, but, 
until to say, are unable to do justice to the i 
subject. Suffice ft that Fish Culture is beoora- 1 
ing a great and beneficial art, perhaps science, 1 
and that Retii Green, its chief expert, has 
demonstrated its feasibilit y and utility through- 1 
out the country. Long may he wave ! ! 
a “uni.sn your neighbors and others an 
instructive and sensible sheet, that will prove a 
wcicoinc visitor fifty-two times during the year 
s ensuing. 
- „ -**- 
t Food —Tbe Eastern Experimental 
f ;irm b,tlb of Chester Co., Pa., has appointed a 
committee to investigate the subject of steam- 
, food for 8t0ck < with the direct purpose of 
| answering the question “does It, pay?” To 
this end Information from all quarters, pro and 
con, is asked by the committee. The Secretary's 
rhesfer^ W P K *»» b CMiRK, Tough Kanamon, 
icstt 1 (, 0 .. 1 a. M e shall be pleased to receive 
any communications on this subject from prac¬ 
tical men with practical experience, for the 
Rural New-Yorker. The tendency of later 
opinion is against stoamlng food. The matter 
iso. sufficient 1 mportanceto warrant, discussion. 
— I M - 
Petroleum, R. G. B. Is informed that crude 
petroleum is not kerosene. Thc oil, as It comes 
from the wells, is what Is meant by crude r.r 
unrefined petroleum. It is a thick, black. *cmt- 
hqu.d substance, similar in appearance to tho 
coarsest molasses. This oil bos the property of 
soaking into the pores of wood rapidly and 
hardening and smoothing the surface. When 
handled, it does not stick to the skin as does 
linseed oil. For this reason it is preferred for 
preserving shovel handles, rakes, and all the 
Implements about, a farm. 
---- 
narrow’* Dookniore. Osburn House Block, 
Main bt., Rochester, is tho Western N. Y. Pub¬ 
lication Office of Moore’s Rural, where its 
friends will always receive a cordial welcomo 
and be furnished with specimens, premium 
list*, posters, etc., free of charge. 
— # -- 
RURAL BREVITIES. 
c,i,1!!^'! 1N0TO - N ' TmTitory la sending East con¬ 
siderable quantities of fir and maple seed. 
vaVioWw, J r , eIalul , is reported aa rapidly ad- 
vanclng in value uudor thc new Land Act. 
Please note that thlx Rural has no travel- 
•nuf wjuits, iiiid that tin* best way ia to sonH tn 
us direct or subscribe through your local Agent. 
The Centennial Commission announces its 
readmes- to receivi: applications for space in 
hr; lorernationa 1 Exhibition at Philadelphia n 
ret ary'. 1 * ' CA>,PBBri '* i^“adclphla, P«., i s Sec- 
4^!! 1 j hkmil-m List, protty well iilus- 
trated, will be sent free and prepaid to all who 
«l.-li to gel • Good Pay for Dalny Good.” Wo 
also stmd poster.-, specimens, etc to all wh* 
are - disposed to form clubs. ' d 1 %tl ° 
The fault of most plans of insuring is, not 
that they are excessively expensive, but that 
they arc not adapted to wliut are known to be 
the real needs of the policy holders; and that 
they bind the assured, under penalties that 
bring profit to the Insurer, to conditions that 
not, one person in a thousand can keep. All 
insurance is cheaper dear only with regard to 
• bo convenience of payment. The premium 
which was a light burden when money was 
Plenty becomes a grievous burden when the 
money market tightens. The Insurance, the 
protection, the benefit remains the same. Each 
Is as well worth the prloe as in tho beginning. 
The reasons for cheapening them are no better 
now titan then. Tho mortality to be provided 
for Is the same Immutable rate of decrease of 
human life. Tito risk la the same. There exists 
no one reason for abating the premium now 
that did not obtain then, but —1 he premium 
which was relatively light then is heavy now. 
The remedy does not lie In substituting a low 
price for that which is worth and costs just as 
much as ever, but in adapting the conditions 
of payment or non-payment to the altered cir¬ 
cumstances of the payers who, having inad¬ 
vertently subscribed to conditions they can no 
longer fulfill, must Incur the penalty of loss 
both of money aud insurance. 
There are any number of ways to provide 
remedies. The accumulated reserves of the 
policies that cannot be kept In force might be 
applied to purchase and keep in force a new 
policy. The reserves—or at least a portion of 
them—might he repaid or converted into paid- 
up Insurance or term insurance. Any of these 
acts of justice might be done if the company 
that holds the bond could be Induced to abate 
any part of Its privileges ami prerogatives. 
There is nowhere a power to compel a company 
to do this, but a little liberality just now and I 
in this direction would advertise a company 1 
average. 
markets 
Grain A brand. - Our latest, market reports , Bunnell of the Dansvl lie Advertiser accor.t 
from abroad show that in England there has ° f , Ul i 0 ®® neae ° Reoublican" 
been a still further decline in the price of Thb ££ort IJ^ 0 a >C 0 M W,,c r, 0 v er visits 
millers that the bottom has been reached, as At the Illinois Stat F a tbes ; bJecl ’ 
they ore reported as buying liberally. Wheat from the flock?/ & K;BlacoSk CenfeSi’ 
is higher in France than England. Corn has J-al., weighing51*4 lbs., was exhibited. Its age 
advanced slightly in the English markets. Bar- re rimi S' l i! ', but tt committee was appointed 
ley is firm and in some districts has advanced h ° W ° mch M «».re was !n it, 1 ms 
slightly for malting samples, in France, nc- i K nv r. r, . 
cording to the Palrtc, (a semi-official J ournal,) crop ofoottouls Tn aV l e ? celle , Ht 
the crops of wheat, rye, barley and oats will husUen It ^er^tlmt ii l^uofs^nS^'bv 
i.rave tn be a yield of 20 per cent, above the «™ r . his native State" and the 
avera;:o. In Germany, although suppUes in fe^toM^tabfa n 18 w «»lta longer than in the 
markets have been limited, there has been a Tt ,„ . , _ 
strong downward tendency in prices. There- Seni 26 Agricultural Gazette of 
ports from Portugal indicate very short crops daiitiy everywhere^thteyw? t^at d i? < l a 8 n 0 «^ ,Un ' 
of wheat, maize, beaus, rye and barley. °f t -he cheapest foods in market—cheaper nrob° 
Pedigrees of English Shori-Horn Hulls to The beautv or.. 
“ ... 'I’r.c.—This vol- g 
umo is prepared by Lewis F. Allen, Editor of a b, 1 <[h degree of finish, make them ptSticulari? 
t he A merican Short-Horn Herd-Book, Buffalo, they are raS?n5°f re of ® r,lai »emal work, and 
N. ) assisted by William F. Bailey. The manufacturers both Tn thfs Toum rw Qti °n ? l 
pedigrees given are selected from Coates’ Europe. 1,8 couru ry and in 
Herd-Book and the volume is asserted to con- The Texas cattle fever u sntR re n 
tain “All the information which those volumes j . 1 . 8 appearance among stoci^at Springfield 3 
(Coates' Herd-Book) contain relating to the Jf‘exViremm^in'i , TeXii8 cattle “uSdWevS 
pedigrees of our American herds. The names cm On. 4 . l^ n bullocK 1 ? T Ci W 
and pedigrees of all the bulls recorded in the Hoc before the 
first four volumes, (of Coates’) 0,699 in number, und oitizBuessesweie tossed about an2inj^rld 
are herein printed, together with some thou- The Whitcomb House RonhftQtcr v . 
sands of other bull pedigreos of the succeeding ®?{ d ’ J}? father Wisner the R-ikish mail Vho 
volume, which relate to the genealogy of their the ,noncv chm-tTd’ T “ K l l e best hotel for 
American descendants recorded in all the vol- knows where.?/hYlaSS ’,’r afid he t 
umes of the American Herd-Book. The names Whitcomb was a good A 1 dm niaii ve im°LonT 
and pedigrees have been carefully compared to hnow ” how to k’oen T hote '’’ 
with the originals, and it is believed that few * h . a rar0 qualification. ® P b0tel ’ 
or no errors of consequence will be found In r J. HE ‘i iltle isIantl of Jersey in the English 
Tie volume also a S „pp,L- StaRSJ 1 h i, tSfligS” 
merit with the pedigrwft, or American numbers, tatoes. The seasons^ of ! JC \ V ?.?' 
ol Canadian bulls occurring with Canadian «ives for tbe total area if thefflaud l^ an 
numbers in Vols IX., X.. XI. and XII., Ameri- bS^'adl Ah? , S?^tK hBt an efl uai success could 
can Herd-Book. The value of this volume to there ^w r« ** ln !***> if 
o n'T. rtl T'i (l ’ buf « oommittee was appointed 
the grease’ huW nm< ' h W(jal tbere w,ls ' n it, less 
Jn Fresno Co., G'al,, this season, all excellent 
Swmot'^ itTss, An Alabamian who 
SeTd Agricultural Gazette of 
j ^ — >> hieat has yielded f.hnn 
^AHtly everywhere this year that it is now one 
f T cheapest foods in market—cheaper rirob 
dianVlTToredlT!,!;? 1 ” 0 "’ a “ d tbea ''er than In- 
luureJ m.dTe!iwood n t °o 
rt&VlRlSUSiPx r make CSSS 
,i” a '■ toi purposes of ornamental work and 
manufacturirT n Uie ^teatioif of 
Europe. oth m this country and in 
Texas cattle fever Is said to have made 
da appearance among stock at Springfield 
und utizenossesweje tossed about aS 2 injured. 
sakf HopSb ’ Rochester, N. Y., Is 
Ine idl a F Il tt 1 Fahfre bT^ thW’ . W >° 
the money charged in the Unlo^” ‘TTd 
which is a rare qualification. P hote1, 
Clmouel'Tmit 're^fho^ Je !i sey in English 
bo hfid 1 ir t?,p u,-°re t ,at arl 0C l UaI success coujd 
jo nau in the southern counties of Ireland if 
tiiere were energy and enterprise to try It ’ 
