272 
MOORE’S RURAL NEW-YORKER. 
“PROGRESS AND IMPROVEMENT." 
MOORE’S RURAL NEW-YORKER. 
A NATIONAL ILLUSTRATED 
IDEAL, LlTKBAIir AMI FAMILY NEWSPAPER. 
D. D. T. MOORE, 
Founder and ConduotitiK Kditor. 
CHA8. D. BB.AGDON, ANDREW S, FULLER, 
Aftnocinto Kditora. 
HENRY S. RANDALL LL, D., Cortland Village, N. Y„ 
Eijitob or twk Die. iitmkkt or Sunup Hcbiiamdby. 
X. A. WILLARD, A. M., Little Falls, N. Y., 
Editor o» tub Dnp»Hiii«ht op Daisy Huhbabdby. 
G. A. C. BARNETT, Publisher. 
TERMS FOR 1875, IN ADVANCE, 
INCLUDING POSTAGE, WHICH JTItl.IM1F.R8 PREPAY. 
Single Copy, la.® per Year. To Chib#Fire Cop¬ 
ies, and one copy free to Agent or getter wp of Club, 
for $18.10; Seven Copies, and one free, for $ 17.20; Ten 
Copies, and one free, $21.5fi-only *2.15 per copy. The 
above rates in-ClwU poe/opr (which we shall be obliged 
lo prepay after Jan. I. 3675, uuder the new law,) to 
any part of the United States, and the American 
postage on all copies mailed to Canada. On papers 
mulled to Eurooe, by steamer, the postage will be K> 
cents extra—or $3,511 in all. Drafts, Post-Office Money 
Orders and Registered Letters may be mailed at our 
risk, \FSf~ Liberal Premiums to all Club Agents who 
do not take free copies. Specimen Numbers Show- 
Bills, &c., sent free. 
PUBLICATION OFFICES: 
No. 78 Duane Street, New York City, and No. 67 
East Main St,, (Darrow’s Bookstore, Osbum 
House Block,) Rochester, N. Y. 
SATURDAY, OCT. 24, 1S74. 
WHAT PAPERS TO TAKE, 
“What papers shall I take next year?” is a 
query which ninny propound to themselves 
now-a-day*. ns the time for subscribing ap¬ 
proaches. And it Is a very important question 
to every one who has a family, for no small 
portion of the education of young people— an 
well as their principles and sentiments—must 
be derived from periodicals, it. therefore be¬ 
hooves parents to exercise great, care in the 
selection of papers, magazines and books for 
reside reading. The aim should bo to secure 
uch reading as will prove Instructive and pure 
a tone and sentiment, in preference to that 
which Is vulgar, prurient and demoralizing. 
But to accomplish this—to make a proper selec¬ 
tion — both caution and discrimination «re 
necessary. As a rule no one should subscribe 
for a paper without first carefully examining at 
least one number, or having (he favorable and 
positive opinion of some friend of good sense 
and judgment. 
Some weeks ago, In a leading editorial en¬ 
titled •* A Demoralizing Literature,” we ani¬ 
madverted In strong terms upon the Injurious 
tendency of much of our periodical literature, 
and alluded to what had been published con¬ 
cerning the Rieciiek-Tiltox Scandal to sus¬ 
tain our posit ion. Among other things we said : 
“The prurient, corruptlrg, demoralizing and 
even oh: c metendeney of the proas iaOl'late most 
noteworthy and greatly to bo deplored.” And 
In another paragraph we remarked that “those 
who regard the rights. Interests and well-being 
of their posterity have an imperative duty to 
perform in tills matter, and that Is to exclude 
from their homes every book or newspaper 
having an Immoral tendency. We are essen¬ 
tially a reading people, and the press is might¬ 
ier in forming our thoughts and habits than 
any or all other agencies, flow important, then, 
that an Instrument which lo largely affects the 
destinies of millions, should be not only cor¬ 
rect in its teachings, but moral and elevating 
in its influence.” 
The article from which we have quoted called 
out the N. Y. Sun, an enterprising newspaper, 
which erroneously stated that we arraigned the 
daily press, whereas no class of Journals was 
specified, though we really had the sensational 
and prurient weeklies In mind while writing. 
But the Sun’s article proved a good advertise¬ 
ment for the Rural, as several letters since 
received attest. For example, a note from 
Greensboro, Ga., to the Editor, says: —“A 
notice in the N. Y. Sun, to the effect, that you 
had written an article against the action of 
the newspapers in making public the details of 
the BkeChek-Tilton Scandal, has led me to 
form a high opinion of your Rural Nlw- 
Yorkeh, and 1 therefore desire a copy with the 
terms of subscription." 
Reader, what papers will you take? If you 
have a family, answer the question carefully 
and prayerfully, for upon the mental food fur¬ 
nished your children now, much may depend 
In the future. 
farms, bought village or city lots, and settled 
on them with a view to “takingthings easier,” 
is not, a small one. These men do so with the 
same, or similar, motives with which young 
men leave the farms, and they are as often dis¬ 
appointed In the results. 
We know farmer-, both young and old, who 
have abandoned profitable and beautiful farm 
homesteads, removed to the village, Invested 
their capital In trade, got pretty thoroughly 
“cleaned out ” in a business In which they bad 
no practical experience, and have bought back 
their homesteads at an advanced price, running 
in debt to get possession of them, and working 
hard and contentedly to pay again for what 
they once possessed. Some of these men have 
said to us, within the past two months, “ A 
farmer is a fool who sells his farm thinking to 
have an easier and happier titno in a village or 
city.” The effect of such reaction in the case 
of these examples upon those who stick to the 
farm is exceedingly wholesome. It renders 
them moro content. They have not wasted 
their substance in “ pulling up stakes ” and re¬ 
moving from “ the old land marks.” They have 
been steadily accumulating as farmers and 
gathering about, their homesteads all the mod¬ 
ern appliances for the conservation of comfort 
and content. The young (or old) farmer who 
“sticks to it ” is sure to win what city-made 
money rarely purchases—independence, happi¬ 
ness and a sense of security which is the result 
of well doing. 
BTJRAL NOTES AND QUERIES, 
The Sovereigns of I ml list ry Progressing.— 
During the past week we received a call from 
the President of the National Council, Sover¬ 
eigns of Industry, Mr. Wm. U. Earle of Wor¬ 
cester, Mass., who has recently been through 
the West, and South and organized Councils in 
central points of various State*. During his 
trip he visited sixteen different States anil sev¬ 
eral Territories, and was generally received 
with great pleasure by the friends of industrial 
progress. Tn Minnesota he organized six Coun¬ 
cils in a* many leading-cities. Mr. Eaju.k says 
that members of the Trades’ Union gave him a 
cordial welcome every where, and many of them 
have become efficient Sovereigns. At the Slate 
Council of Mo., wbich Mr, IL organized at Mo- 
bcrly, Mr. J. C. Meader, a prominent Trade 
Unionist, was elected President, and in Ids 
closing speech said that " he would that every 
Trade Unionist in the United States were u 
Sovereign of Industry." In Philadelphia, Pa., 
eight Councils have been organized, and ar¬ 
rangements are being perfected to organize one 
in each precinct of the city. The first Council 
in Kentucky was organized by Mr. E. in Louis¬ 
ville, under favorable auspice*. Mr. Eari.e 
gave addresses on the principles and boneflts of 
the Order In most prominent towns of the 
States he visited, and speaks very encoura¬ 
gingly of the prospects of the Sovereigns 
throughout the country. Wc found Mr. E. an 
earnest, devoted and enthusiastic man and 
brother, and can cordially and conscientiously 
commend him to the Industrial classes. 
■-»♦« — 
A “Creditable” Difference.—'Thesimploaffix 
of “Rural” to a leading editorial recently 
copied from this journul by the Pacific Rural 
Press, hardly tells from which of the score or 
more of papers with that prefix or efflx the 
article was derived. The same article was cop¬ 
ied by tho Western Farmer and credited In full 
to Moont.'s Rural New-Yorker. The last is 
really more than we ask, for Rural Nf.w- 
Yohkek, or Moore’s Rural, Is sufficient to 
Indicate source;—but a mere credit to “ Rural” 
Is no credit at all, with so many Rurals in I tie 
field, though all of them are juniors to this one 
—the original MOORE'S Hu RAX. This paragraph 
may seem “cheeky," but It is true, and there¬ 
fore “ vindicates the truth of history," as our 
venerable and astute friend and veteran jour¬ 
nalist, tho lion. Thurlow Weed, would say. 
Uy-the-way, as showing another difference in 
recognition—or ’twixt the goring of your ox or 
mine,—let us add that in lately mentioning a 
typographical error In this paper, the aforesaid 
Pacific Rural Press was careful to print 
Moore's Rural New-Yorker in full. Ah ! 
-»♦«- 
Importing Live Stock from America. —The 
London (England) Farmer of Sept. 28 contains 
the following puragrapb“ A prospectus has 
been Issued of the Live Cattle Importation 
Compuuy, Limited,with a capital of £300,000, in 
shares of £5, for the purpose of importing cat¬ 
tle and other Jive stock into this country from 
America and elsewhere, by an improved mode 
of ocean transit. Texas, as a great cattle-pro¬ 
ducing State, is looked to as one of the chief 
sources of supply. Immense numbers of the 
cattle produced there are, It is stated, at pres¬ 
ent slaughtered ouly for their hides and fat.” 
-m- 
Tobacco Lively in Connecticut. — The New 
England Homestead of Oct. 10 says“ To show 
that things are lively among tobacco buyers, 
twenty-four were seen in one town in Hamp¬ 
shire County in one day of this week. One man 
in Hatfield sold bis for 30c., the buyer telling 
him that if any one offered 86c. for It he might 
sell it and the two w r ould share the profits, and 
within half an hour tho crop had passed into 
the hands of its second purchaser. Another 
i man of the same town sold his tobacco at 20e. 
to come homo and find that his sou had been 
before him, disposing of it for 24c.” 
-—;- 
Premiums for Boys niui Girls. In answer to 
Harry, and all other boys and girls interested, 
we may say that the Rural’s new premium 
list contains many articles especially selected 
for young people, and that its offers are ex¬ 
tremely liberal. Girls and boys who want to 
secure something nice and useful, can do so by 
devoting a little time and effort to forming 
clubs. Let Harry, Mary, John, Anna, and 
all the rest of our host of young friends send 
for the premium list, and then show us what 
they can do for the good “ Old Rural.” 
-•«- 
Our Market Report*.—“Subscriber” asks: 
“ May I inquire in regard to the market reports 
in the Rural New-Yorker? Am I to under¬ 
stand them to bo the prices at which the arii- 
cles can be purchased in any quantity desired 
by retail dealers in the country ? ” In response: 
Our quotations arc for wholesale lots of prime 
marketable articles. Some of our dealers who 
aim to secure outside trade with country buy¬ 
ers, will deal a little closer than those w ho have 
uo such aim. 
-- - 
Begin to Form flubs now ! — Yes, ask ail your 
neighbors who know the Rural to subscribe 
for 1875 at once—and to those who don’t know 
tho paper show a nilmbor and tell them what 
yoitltnov) about, it and its value. By so doing 
you will confer a favor upon your friends, 
benefit yourself (by securing a premium), and 
aid us in procuring that u.yrlad of new sub¬ 
scribers we expect for next year. 
-- 
RURAL BREVITIES. 
It is rumored that the old Sussex (N. J.) Ag¬ 
ricultural Society i3 to bo resuscitated. 
Tins Connecticut, grape crop is so redundant 
in some towns that it must be fed to the hogs 
for want of a market. 
Mu. Horace Biugf. of Windsor Locks, Conn., 
aged 90 years, sowed seven acres of rye with his 
own venerable bauds. 
The farm of Mr. Joshua Burch in the Kas- 
kaskia Bottom, III., has yielded this year just 
17,500 bushels of wheat. 
In tho middle of a dense forest near Fort 
Madison, Itid.. is »large number of apple trees 
planted in 1795 by Indians. 
Mr. CONNOR, a farmer of Wheatland, N. Y., 
planted three acres wllli onions, this season, 
which yielded 1,500 bushels. 
“A Texan" i* advised that Randall's Prac¬ 
tical Shepherd is Hie standard authority on 
American sheep husbandry, 
“ Every Saturday ” U to lie hereafter con¬ 
solidated with Li ltd I'v Living Age, which takes 
its place In the literary field. 
That Trial Trip.—W bat? The Thirteen 
Numbers of the current Quarter of the Rural 
(Oct. to Jan.) for only Fifty Cents. 
Therb are nine farms in Stanislaus County, 
California, assessed for more than 10,000 acres. 
The largest Is a farm of 39,118 acres. 
Our New Premium List contains some 
“stunning” offers and Isbouno to please agents 
and others who form Rural clubs for 18)5. 
We are informed that, at 449 West 47th St., N. 
Y, Cil v, In the yard of the residence of P. Z. 
Hosted are several cotton plants In boll in tho 
open air. 
Send for those documents—such as our new 
premium list, show-bills, specimens, etc.,—and 
see how well it will pay you to canvass lor the 
RURAL. 
A Detroit correspondent suggests that nd- 
vertlsers.of poultry, rabbits, &o., would do well 
to state the price of their animals In their ad¬ 
vertisements. 
The Eleventh Annual Spring Exhibition ” is 
what t he Border Post of New South Wales calls 
the show of tho Ovens and Murray Ag’l and 
Pastoral Society, which was to occur Sept. 4. 
Fno8T & L'o., the celebrated nurserymen and 
florists of Rochester, exhibited at the Albany 
County Fair a large and exceedingly flue as¬ 
sortment of apples, peais and quinces. They 
received eight premiums, 
“DAIRYMAN" will find full particulars rela¬ 
tive to the organization of Choose and Butter 
Factories, together with plan* of buildings, 
etc., In \V illakd’s Practical Dairy Husbandry. 
It is published at this Olfice. and sent, prepaid, 
for $3. 
In our report of the Western New York Fair, 
we gave the ownership of the first premium 
two-year-old colt to l. W. Briggs, Esq., when 
it should have been given to his son-in-law, sir. 
K. A. McLeod. The mistake occurred through 
our long-time opinion that nothing good could 
come out of West Macedon except through 
Briggb. Please observe that our hat Is off. 
FALLACIES OF LIFE INSURANCE. 
Number XXX. 
CHEAP INSURANCE. 
Nearly fourteen per cent, of all the policies 
in force on the first day of January, 1872, were 
abandoned within the year. This discouraging 
proportion was fully maintained in 1873, and 
promises to be exceeded by the experiences 
of the companies for the current, year. In this 
proportion are Included the non-forfeiting pol¬ 
icies surrendered in exchange for pald-np pro¬ 
portions of the original Insurance, or for some 
other equivalent In insurance, but at least one 
hundred and fifty thousand policies may be re¬ 
garded as entailing total loss of insurance, and 
accumulated reserves, upon their luckless pos¬ 
sessors. 
The places of these defecting policy-holders 
may be filled in time by new entrants, and it is 
pretty certain that the companies gain some¬ 
thing temporarily by the lapsing of so many 
policies, but they w ill discover nothing auspi¬ 
cious in this indication of revolt against the 
exponsiveness of insurance. Tho coincidence 
of financial stringency modifies, but docs not 
seriously affect, the value of the indication that 
the companies have gone further. In the direc¬ 
tion or high premiums, than the people will 
follow them, and that It now becomes expedient 
to make concessions. So long as heavy pre¬ 
miums can be obtained the companies can¬ 
not be blamed for receiving them. A life com¬ 
pany is a bank of deposit with an in6uranco 
attachment. The profits, a* in the case of other 
banks, arise from the custody and use of 
money. A high premium Involves a largo de¬ 
posit, an increasing deposit and a decreasing 
risk. The companies found the people with 
plenty of money and eager for Investment, and 
very naturally offered a combination of insur¬ 
ance and investment. The companies made 
immense accumulations, and doubtless also 
Immense profits by this arrangement. Perhaps 
those who can continue to pay invest merit pre¬ 
miums will guln by doing so, but it is certain 
that those in I he other category have lost heav¬ 
ily. The effect of specializing high premiums 
has been to diminish t he amount of the average 
policy and to render Insurance inaccessible to 
those who most need it. 
The average policy in 1859 was $2,740, and the 
average price per thousand $3G.68. In 1803 the 
average of the policy had fallen to $2,652, while 
the premium had Increased to $39.92. Nine 
years later the average of the policy had de¬ 
creased to $2,629, and the average premium 
increased to $43.68per thousand. Last year (lie 
average policy was only $2,555 and the premium 
for each thousand dollars $56.71. The effect of 
persistent endeavor was to Increase the average 
premium per thousand nearly fifty-five per 
ncilt., and to deter from attempting insurance 
i lie very class of possible assurants who would, 
If they could, become its best patrons. The 
rich, who can pay and persist in paying, are the 
most desirable customers, if I hey can be at¬ 
tracted and retained; but their necessities do 
not, us in ( lie case of a needier class, facilitate 
i In*, success of the agents. The latest devised, 
t hey may bo also the latest improved plans, 
seem to be designed rat her to attract those who 
are most certain to continue to pay, but tho 
practical result of such plans must be to inten¬ 
sify the exclusiveness, rather than lo broaden 
the legitimate domain, of insurance. 
The patient, long-suffering public lias tested 
with, in the aggregate, disappointing results, 
the promised benefactions of Insurance forthe 
sake of investment, and profits, and is no longer 
credulous of possibilities. Human nature dis¬ 
closes itself in dealing with insurance much as 
it does In other matters. People who must have 
a thing w ill take, under protest, an article that 
docs not suit or please them rather than do 
without, but they do not act in t his way In re¬ 
gard to dispensable things. They became at¬ 
tracted to life insurance “ with profits,” because 
the prospect involved In the words quoted Con¬ 
cealed, very Ingeniously, that Which has since 
become painfully apparent—the expense* The 
less they knew or could find out about this 
mysterious institution that dared to toy play¬ 
fully with mortality and the grave, the more 
readily they believed In Its promises. The pros¬ 
pect of getting forty or fifty cents out of. each 
dollar invested was attractive enough, until 
experience taught them tho reluctant truth 
that even the fulfillment of this agreement w r as 
only an indirect, method of obtaining fifty or 
sixty cents and the interest and use of a dollar. 
The many who remember that they get not h¬ 
ing, or next to nothing, back, and the scarcely 
less numerous class that lost all by the misfor¬ 
tune of inability to continue, want insurance 
as badly as before, but they want it very cheap 
for cash and with the penalties abrogated in 
advance. 
-- 
THE YOUNG MAN WHO “ STICKS TO IT." 
There is a great deal of regret expressed in 
speeches, letters to agricultural papers, and in 
editorials by kind-hearted, well-intentioned 
editors that the boys are leaving the farms. 
There is no doubt that many young men have 
realized the fact that farm life is no “harder" 
than city life. There are many who have been 
wise enough to return to t he farm after testing 
the realities of life in a city. But the boys who 
leave the farm lor the city or the village follow 
the examples of older men. The number of 
well-to-do farmers who have realized beautiful 
homes, reached middle ago and have sold their 
Take It to the Election.—What ? A number 
of the Rural New-Yorker* of course, and 
after you have performed your duty by voting 
conscientiously,ebow the paper to your “ fellow 
citizens” and invite them to subscribe—" irre¬ 
spective or party, sect or condition." No mat¬ 
ter If they don’t agree with you In politics or 
religion ; the Rural will do them good, and is 
certainly a good thing to have in the family. It 
will prove entertaining to the young and per¬ 
haps keep them out of mischief, while the 
seniors will find it instructive and interesting 
on many subjects. 
BUSINESS NOTICES, 
Pianos.— We advise any of our readers who may 
contemplate purchasing a Piano-Forte to write to 
the arion Piano-Forte Co..No. 6 E. lith St.,N. Y., 
foroDeof tlieir Illustrated Circulars; u» their instru¬ 
ments arc noted for their uuequalod tone and great 
durability. 
■ «»«- 
Ladies, the next time you buy a spool of silk be 
sure and get the Eureka. It is the best in the mar- 
1 ket. Warranted to give satisfaction. 
