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THE NEW NORTHWEST, THURSDAY OCTOBER 13,
1881.
: . ..J :.;..:v;"'lMwiTm WKAii AND'' HOW"-No. III. I MARRIAGE INSURANCE. ;
. 1 A Tl M lNKU VI All LUUIllWl Ai , 1 w " " ' I . . . - '-.v t . - . -
v BV A UAHY WHO KNOW. IAN K
k-:t - - . .'" . ' '
A Jourd or the Jlroitte. .
, IntUjmlrMt in JJUicamt ftetiifioH. , J ; 7
ci IJre Jmmutm, aiut thoroughly ltuli(it it Of
potittg ami Kryminy the Wrong a the Mue.
i On Yeur, bg 'J'ii...-i-'......-..f - "
4 Hit Mlh, " -
fhrre M'tith, . ..... -
' Vr Month to City tttronn (th-lnemti. r -
. AtrrVrmentt vill be JWrtl lleaniAlmVrleea.
- VM Qrrfmit.frKr intendrt or fmbUration hull He ''-
'rfrwl o f fUtUitr, anil IHtrrtto the I ...
DTTSIWAY l'VRLlMtlSU CrtMfAM', I ;
.Va 6 Washington utreH, IirU'iml. urrg.
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itt
POUTI-AND. OnrOOX.lJUnKl)AY, OCTOBKB l-VKfO. J
THE COMING CONVENTION.
Before the New North wkst again reach iU
readers, the Jentk annual Convention of thelOre
gon State Woman Suffrage Association will be In
full progress, ami It l horHdJhls meeting will.
prove the most successful of the ilecale; In order j
to Ye"ro jBuffrigUU" '!
hope for,4t will only be necessary for all to work j
together In harmony. Every Woman Suffragist
should consider tlits cause a personal one, ami
everybody should be ready to attend the meetings
of the Association, and render this moyement
every service In til or her power, whether person
ally sought out and specially Invite! to-doeoor
not. Broad as the platform Is, It consists of a sin
gle plank, and that J 'Iviuality of Rights
Every Just person can stand on this platform and
And plenty of working roomT The cause Is ad
vancing In every quarter." From every point of
the compass comes greeting, and from every post
office words of cheerr lt lajnojoiiger an unac
knowledged Issue, struggling for recognition, but
is, Instead, an accepted principle, recognized by
the Legislature, and awaiting patiently, the fur
ther action that shall be neooVsnry to crystallixe It
Into organic law
.The Vice-Prenldeut forMlchiganof the National
Wonian Suffrage" Association, Mrs, F. H. Fowler,
who Vdlts , the. VWoman's Deiartment".of the
Manistee Jimrs and Statulardt recently addresse!
letters to the Congressmen of her State, asking
their status on Woman Suffrage; Two gentlemen
promptly replietl. - . . ;
Mr. Wiliets briefly answerel that he was a
hearty, ; supporter ot-the projoswl amendment to
the State Constitutiori1inri.S73, and voted for It In.
1874; that while a memUrofihe House Judiciary
CpmmHteeof the Forty-sixth Congress he favored
a sixteenth amenlmeiit to jthe Constttutlou t
lTtiltl ktnteS for the' purpose of establishing
Woman Suffrage that he had not changed his
views blucraQJ U of the sanie.opiuiou-iiow.
Mr. Horr, like a true politician, . replied 'at
greater length than Mr. W., cautiously and care
fully wording his sentences, and evidently trying
to bold women responsible for the opposition that
he would not manfully avow. With much useless"
"Verbiage, he stated as his "opinion" that only a
snaH jjni r(Tpf lhe3goxr wj vs; a nrnot 6 era of the
lect when women wish to cross It.
Jxt every one-TTmemWrhatr-tlte-C
when women seek new neiua or. learning jajutLjn
meets In this cltyon Tuesday, lHtober ism, at
10:30 A. M., In ITieToungfen'rChrlstian-Ass
elation Hall, and will hold Its sessjns-s40:M a; j
M. aiid-2and 7;3( p. M., through four consecutive
days and evenlngsomlttlng Welnesday, evening
because of a regular engagement of the hall for
thfet evening for another purpose; and closing on
-Friday night. The programme for the;flrstday
will be found In oil r local columns. Announce
ments for succeecllng days will be published regu
larly In the morning papers. Eminent speakers,
excellent music and wit and wisdom and spirit
, wltl alike combine to ,render the sessions 1 nter
estlng. - .'
The usual -half-fare rates of travel will be
grantedfto visitors frontwntslde the city. " '
atWn.
f A REM ARK A 01 "1NVESTIO
The Independence" half T of the folk County
7UrrnJeroTl, wek'sayi"lhat i'oslal Agent RenT
Simpson had visited that place and looked Into
he charges male by this Journal last Spring
gal t thopostmasterat that fIaeei-4 teoneludjMl
' Th Agnt,ftr m full Instigation. fnl!yonTStel'Mr.
Itwlgln from, sll blsnic In the m(tr. Th NoRTiiWwrr,
we are sure, will chwfully siviuleiioe In thljKlwInlon ami
oknowllfelUernr. ,", j,
The New North w:st does not uacqulesce.M It
"decidedly demurs. It Is not in error.- There has
JieeJt-ioUlnvestlgatlon. It seems-therewUl - be.
none, If Postal Agent Simpson can help It The
derelict postmaster does not wish one. Appar
ently the. Agent Is, .attempting to screen the of
fender. Evidently there. is collusion to place the
blame of Hodgln's mean and .cur-1 Ike act upon
thls offlce.' Slmpson.sfnt no wonl to us that he
Intended to make an 4'InveBtlgatf6n,!.' though he
personally promised the writer to notify the pro
prietors of this paper as to the time he would
do so. We' filed sworh statements of our case
with him last Spring. y We wished the matter ex
amined immediately. He did not. He strove
then IftbOVr excuses for Hodgln' violation of his
swoMMlutyrami was evidently averse to clevelo)
tng the facts In the case. It was plain then that
there was to be unfairness, and time has proved
it Tliere has been aly, dark, underhand work.
Ourflrst knowjotlge oheMnvesU
Monday evening, when, la, glancing through ex
changes, the above Item met our gaze.
The matter Is neither properly nor fully stated
In the HetnUer. The charge Is made in full In our
flUVavlta, which were published In 'April last.
We stand by every utterance in them. We de
mand a falf and open examination. We can sup
port our statements and bear them out. Hodgln
knbwslt, and Simpson evidently fears It. They
have been very careful not to "Investigate."
Simpson has broken his pledged word In order to
keep.ua Jrom proving wqat wt. haveJestlned.to
under oath. We shall not let this matter drop here,
Henceforth we ahall deal with the Special Agent
as well as with the postmaster. ' We do not Intend
to rest quietly undor the Imputation of perjury
cast upon us by a corrupt ofilclal and a connivt
lug and abetting overseer In a star-chamber pro
ceeding miscalled n 'Investigation.", Truly,
that is a remarkable 4lnvestlgatlon"of which the
' complalnauts are not advised and know nothing
untll awoP'tisM published.
Mr. E. O. Norlonrs Oregon! uutttX now
conducted as an anti-monopoly paper. Its literary
features are retained, however.
cfiuntrv" wished the ballot, and said 4hnt when-a
majority expressed 'a desire to vote, their wish
would have great weight In determining his
action." He also said, 'In tlie great .division of
labor which I think .nature-has plainly marked
out between the sexes, I have serious doubts as to
whether the making and executing of Jawr comes
properly among theduties of women:" ,
Every thoiightfnl woman will Instantly as
with Mrs. Fowler, "Where Is the MivS of this
great division of labor?"! . and she will reflect
entereti every "sphere" comnionly acconled- to
women In which money could be made, whether
as cook, - iauniress, - ioue-Keeer, jniwinej: ur
ilress-maker. .It Is proper for men to engage In
these occupations; but it is not pleasant to have
them infract a line tlu-y have drawn and theii ob-
Ieii ohlycaut
dust ry.
Like the average, run of theopponents of the po
litical equality of women, Mr. Horr allows no con-Au honoiaj.lejnillioer will never impose upon
siderations Of right and Justice to Influence his
thoughts on the subject He does not care If it Is
wrong to tax women without representation and
hold them amenable to laws which they have had
no voice In making. With him,' principles are,
nothing; majorities are everything. It is real
kind In him to give assurance that a great major
ity will "have weight. In influencing his action."
The 77mr and Standard well reminds him that
only professional politicians are"actuatod by such
motives asjie luu avowed, and that when women
have a majority o? the people they will not need
the all of men like himself, who wait until a ques
tion Is settled before taking a stand on It.
No article of a lady's apparel is of more import
ance thin her hat or bonnet, and yet, etrange to
ay, more obvious mistakes are made In the selec
tion of this Indispensable accompaniment to a be
coinlng toilet than 15 any bther-arricle that ladies
wear. It is 'not unustial to see A' large woman,
with prominent features andrnaturiiIljrthnosing
address, neutral ieliig-the dignity of her appear-
ance by a bonnet so.small as to be out of allrpr
portion to the slre-of her boly and the general
contour of her feataresTyiiametryhouhl be. the.
primal alminilres; as without U tliere can be no
barniony and fitness In anything. Again, a little
ladyfwjth fairy dimensions and delicate features,
somettmes disfigures herself by a mammoth4at
pr bonnet, far too large for her head and out of all
pfopbrtlon to her body, not to mention her hands
and -feet, which are encased In kids so tightly fit-,
ting as to appear uncomfortable.-- :
t Happily, there Is room enough'for appropriate
ehoiee In'the present fashlonable varlety-iif-head
"gvar;Tn7slzeas; weirsc6ldf7tyle-and"Tin!'
For little ladles' bonnets there "are .close-fitting
shajKS., In Jelt, plush, atin, silk and velvet,
trimmeil in folds, pipings, pleating, tucks, shlrr
ings, loops, fringes, or bows jof silk, ribt)on,.Baln
or otlier rich material, tied with -strings to match
and surmounted by plumes In endleU'ariety,
adorned in old and fanciful ways by occasional
clusters of flowers and fruit, so real as to suggest
oilor and -tasted For larger ladlps the bonnets are
larger and flaring, trlmmedln addition to the
above suggetIons. In falls of "teel or' silver lace,
that I ra In im nmnliivinolii UHrtl to lkr eXOePt
that of "bearlnff and nursing babies." Men havedepending from the arch above theJojehead and
relieving the flare around the face by graceful
waves, beneath which may be seen many marvels 4 alout $1 M er 10M,
of .-milliners! skill, In form of fold, knots ami
ruchlngs, ' of ... ijrieh' materials . and shadtnl
colors artisilcally blended. . T9 be a , suc
cessful milliner In these days of coniM titlon
Is to be an r artist. It l always best, In
honslng- atrr-lmmet j-to-ewtsnl H he-fMoWfrj
who, fnmi active association wjtn tiie oinereni
ilegrees ofjier business, Is nbleto state at a glan
ce
JN flREAT RRIIAIN.
vThe parliamentary franchise recently granted
toj the women of the Isle of Man has been almost
universally accepteTby IhemrTliey ha ye e vl need
greater appreciation of the right than was antlci
pitted by the most hopeful -suffragists. In one
district where there were over seventy wohien enj
titled to vote, only two declined, and they were
sllters Jlvlng togetherOther dlsfrlcts show -
niost equally good results,' while none give uh- L novelties of very U'scrlptlon win enter as largely
satlMfiietorv returns. The advocates of the Inno
vation are gratified at its success, and Its opponent 1
are discomflted. The women have shown eageN
ness to give' expression, and force to their ideas
and prlnclplesand have proved careful, thought
ful and conscientious voters. , " T - -
That the precedent established by the Isle of
Man has had a good Influence throughout Great
Rritaln, which has been enhanced by the success
of the measure which It Inaugurated, there Is ho
doubt. The Christian Statetman says "the leading
English suffragists, both men and women, Includ
ing among the former many members of Parlia
ment, are very sanguine that the presentJCarlla-"
ment, before it Is prorogued, will 'give, , the
parliamentary franchise to the women of Great
Rrltain; and all are working together o this end
with great heartiness and perfect unanimity." At
Ve leastrthe are"-ery coiifldentthaV municipal
suffrage for tax-paying women in Ireland, such
as was recently established In Scotland, will be
granted.. : ' 'I ' ;
The rort Orfonl 7V says i "A whlppln-post
law for wlfe-beaters would be, the right thing
until some sanctified sentimental Court would
declare it void under the ever-convenient plea of
its 'cruel and unusual' character. Such was the
fate of Roach's wlfe-beater-whlpplng-post Iawt In
California Judge Relden thought It Just awful,
yet he, seemed to have -no tears to-shed tver the
fate of the bruised, battered and maimed wife of a
San Jose brute, who preferred the complaint,"
K-Mayor-Kallochrf flan-Francisco, after his
reception on the lecture platform in this city, will
doubtless have a vyery poor opinion of the people
of lrtland ; but he may console himself with the
reflection that the people have a like opinion of
htm not of hts oratorical powers, but of his gen-eral-sharacter.
. - ' .r:
rstl?uffXTK
Unloh, have bought the Morning Journal of that
city, and are now issuing It as the Daily Union,
le.
a
customer by recommending an..unbecomlng artl-
,cle to secure a sale. In bonnets, asjin dresses, the
favorite Autumn colors-are-copper bronze and
steel bronze, In all the different modifications of
shade, quality and design that modern art and
excessive competition ...have awakened and stimu
lated, .'
Among the Imjortei marvels of feminine inge
nuity to be seen at the most fashionable bazars is
a bonnet of steel gray rnolrerantirjue, shaded la
garnet, with broad ribbon ties of the s4me rich
material, trimmed with faultless regard to hidden
stitches In an elaborate combination of shirring,
folding and bows of, alternate plush and molre.an
tique, In shades to match. Three full -and fluffy
ostrich tlps, shaded .In' changeable hues to match
thecnoirsoTlTie sllkuaTuhTroway rrom tliie"
brim, which Is caught up at the side and orna
mented by a cluster variegated roses, blending
in thelrrichydeep c4lorswlth-tho subflUe'd har
mony of the-whole. Such a'bonnet will accom
modate Itself to any complexion, but will set off a
pronounced.brunette to lest advantage If she be
not too sallow. -
Jets In bugles, beads, ornaments, fringes and
1'I.AS FOR TIf K ( OX8II)EHATION'OKT4IOSE
. MATKIKOlALI.V''lNt!.iXKp.
, ' --r -. j ,. '. . .
Hie growing popularity of marriage Insurance
as a desirable Investment, and the i!tge and In
creasing vpjume of business tralisacteil in that re-1
sjKk't, may be regarded as amoitg the marvelii of
nimlern financial enterprise T As the business is
comparatively new, at least In tills State, and as
we are friyueutly asked to explain J he principles
upon which It 1s conducted,: tiierivNonTii--
Vi-T, ev'er'.ready to lay before U readers the mer-
Its of any enterprise calculated to promote humati
happlness, sent a representative to the pniye of
the"North western Marriage Insurance Company,
of this city, to Interview the Secretary, Mr. Grbss7
with the' Intuition of obtaining correct Infornja-,
flon on the subject, After the Interchange of the ,
usual courtesies, our, reporter commepced his la-
ruTe- 1 .... : : . " Li
Rejiorter Inasmutdi as the subject of marriage
Insurance' Is'orie of consltlerable putdic Interest, I
navi?.called.tQ.oM8iiLirom;:x
brief "Otitlineof the manner in whieh euch Insur-1
ance Is effected.
Secretary I am glad of an opiJortunity of giv-
Inir vonr nunv r-ii(trs thi? inforinitt ion vou desire.
" J -' - - J V M
esKcially as some adverse criticisms of our Instl-.
tutlon nuve apiHarei in a recem communication
publisliel in your mper. -1 wlirbrierty stale that
M)iifles of from $lmi to $10,k0 are Usued to uu
married in-rsonsof gcnxl moral character ujmih pay-r
ment of an annual premium of $5 for males under
ISand females under "IB, and $tf ier year on each
$1000 for all above those, age, for the first fur
years, and $1 ier .1(N0 annually thereaftedurmg
lrumarriel life. Jn addition to Uese annual pre-
tnitims, and commencing next Feiruarj monthly
rates, gradtMl aeconling toagranu ranging rrom
li" centsto S2t will also be levied ujkii eacli $1(W0 .
of ' insurance, t lie J'a ye rage montlily dues bHng
Kec.TI icy are each payable at-the end of the
year In which the respective holders marry, pro-,
vild all dues have been paid a required bythe
con tract, such final settlement being at the rateof
2 per cent fr-very year from t lie date and ;
amomijtjJLpolicy,. For example: James l.rown,
"at the age of 24, takes out a policy for $1000, pays ,
?B down and $1 5 monthly fpr 12 months, in ,all.
$24. If he'married durlinirMlie- last half-of. the ,
year7tieru-lll,artheT,loseTif that-year,-lr ent Itled
to and receive $22B, which is 2-" ier cent of the,
amount of his tiolicy, less four annual payments,
deducteil. Hail he deferred marriage until the '
HHqruI year, he would have recelvel jer cent,
the third year "" kt cent, or the fourth year the
full amount, $l(H)(),and so on for any otlier agesor
amounts. . '. .
Hen. Do-vou 'not th'nk that so large a profit
'from so small an InvestmenTwill have a tendency.
to cause Increased frequency of marriage, and even
speculation In large Indicies? .
. Sec If at all, only to a limited extent, as we ;
accent risks only on those well known to be of
good moral character; and Ihoselnsurlng for a
greater amount tiian?5sH-TrT.ot aiiowcni to
marry within the first year. Resides, persons of
such character would not. be lifcely to jeopardize
their future happiness simply to gain a few hun
dred, dollars.
Rep. Granting the correctness of your reason
ing, we now come to the tnoHt imiortant question
of all. vlrr4i4Mi4 (yUmwinl basis oi
vour nlan of Insurance a solid one. ami II so. what
have you to offer in proof or illustration of thefact?
See. AU I nsurance worthy of the name Is based
on what may bo termetl the "aoctriue-ol average
Into the trimmings of millinery this year as for
merly, while corresponding novelties in bronzPr
steel, pearl and 'amber are to be worn In endless
variety. Jetted . laces re also In great demand,,
rand" feathers were never more fashionable than
now." Many hats especially of turban shape--are.
made erillrely of peacock feathers, one piece form--Ing
the crown and another the brim, made uporra
buckram frame and -finished without other orna
ment than the feathers Others are covered en
tirely with the plumage"pf different birds, with
here and there a natural head and bill, adorned
by a life-like eye of glass.
For cheaper hats for those of moderate means,
there are cotton plushes with silk finish" and fan
ciful hues, with feathers and flowers to suit, and
there Is no need of any lack of becoming' head
gear, since the milliner's art has adapted itself to
price and qualityfretalnlng the harmonyof colors
with fidelity, and placing "something appropriate
to wear'.' within the reach of every tasteful person.
A .wife-beater, named Edward Bayliss, was
brought before Judge Stearns on. Tuesday. His
wife testified to his striking and choking her,
and that he threatened to kill her If she made a
noise. The prisoner was allowed to testify in his
own behalf, and materially aided in his own con
viction. ' He said she had "beaten him once with
ajbroom-stlckr, that she "neglected her duty,'
and that she "had leff hlmlhlrUen UmeV" The
Judge doubtless thought, the abused Mr. Bayliss
was not very gentle if it had been necessary for
herjto flee thirteen times, and, accordingly fined
ki ' : : i
. General Robert Lowery, the Democratic nomi
nee for. Governor of Mississippi, was taught to
read by his wife after their marriage, since which
time he has risen to be one of thrums
men in (he State- :::
TrnToraitt
and degrees which (he Royal University of Ire
land can confer are open to women students. -
a system founded on statistical data, carefully col
lated from a wide field, and thus very nearly ap.
proachlng mathematical exactness. In that con
nection this company liasTtuIusriouMy gathered
and carefully considered a large amount of statis
tical and kindred Information n the subject of
marriages and marrlageinsu rft lice uiHin whlch
was based Its present plan of doliigbusiness ,The
whole thlntr Is simple enough, althoughlt requires
eonrfiderable labor In preparation. First ascertain
the'numberout wreacir tnousami -wno-tnaryims;
months: then It is easy to adopt a scale of monthly
dues to he paid by each, which will aggregate a
sum siifflcient to pay to those who may have mar
ried the amounts agreeduioiLJaiheLrrePCctlve.
policies. . ,. .
' Ren. As each county clerk keeps a record of
marriages, a correct estimate of the number that
would annually occur among the uninsured might
be easily made, but I apprehend that the percent
age would be very 'materially Increased under the
stimulus of Insurance. . J . "
wee. very irue.r l ne annual raie among me
uninsured Is about 30 per thousand, but In order
to ascertain the percentage, of , marriage among
those Insured, the experience of the other mar
riage insurance companies, as set forth in their
reports, furnishes the only reliable data upon
which to base our .estimates. The last report
which has come to hand, that of the original liar- .
xlsburg. Company, shows that oLa total member-,
ship f 1HO0, there were ft) marriages In eight
months, which is a little less than 50 per 1000 an
nually. Now for a few figures. Take 1000 policies
of $1000 each, multiply this amount by f 1 50, the
average monthly dues, and then by 12, the num
ber of months In a year, and we' obtain $18,000;
divide this last sum by $22B,the amount' to which
any one marrying during the first year would be;
entitled, and the quotient, -which Is a small frac
tion' less than W), will represent the number of
marriages In each 10KT which we would be able to
pay annually. This, you will observe, is 30 In ex
cess of the actual number which may reasonably
be expected to marry. Rut If at any future time -it
shalUbeeorae-appareot-that the monthly dues -will
be Insufficient to pay all claims in full, they
will, on all policies Issued thereafter, be Immedi
ately Increased to an amount adequate to meet all
requirements In that -respect, thus rendering a
I financial collapse Impossible, and thereby placing
ana eoua as
the business on ITbasU as enduring
that of Mount Hood. - ,
Rep. You make an excellent showing for your
company. .The success, of your enterprise will
helo manv vounar people to make a cood start In
4-Hfe. encourage-hamta of Inihtstry-antlr economy
among them, causing tnem to avota extravagance
iere to moralise, so thanking you for your cour
tesy and wishing you and your company-success.
I wjllwlthdraw. .
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