THE OREGON SUNDAY "rjOURNAIv PORTLAND; SUNDAY ; MORNING, SEPTEMBER . 23, 1918.
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Tho Kmynotm ot
- TA Slogan f ;
Tho Neighbors of
Woodcraft Is:
"WoSen,!" ; "
" Htm Century:
For H mnanity and
Democracy I ' .
" at . .-J--4
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I III ' u I .' .1' 'I III .1.1 .11. -I . . . II , I, I , ., - , I I
This tiUKMMrarat wlH be pubiuhed m sands? ef twr month by .the Nekhbon ot Woodersft
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a m erica V eaiilta.1 mint takft th dIac of tha German and ether foreign capttJ
A now or but recently Invented In fire lnaurance, acc6rdin to the opinion of
Inaurance Conamlaaioner Hardison of Maasachuaetta. as expressed In his recent
annual report. To bring thla about, it wttl be neceesary to make the fire insurance
bualneaa more attractive that is. Increase tne proma. now, now in me worm
can that be done? '
Mr. Hardiaon has a scheme sort of combination scheme : Raise rates and
"cut down fire waste." Raisins; rates is a trtmple Job the fire rating; bureau can
do that by a simple twist of the wrist.
: Bt cutting down "fire waste" is another -matter. Here is the ingenious plan
of Massachusetts' insurance commissioner:
'i ''Individual self-interest is one of the moat powerful forces that influence
the action of men. So ahape conditions. that a course of conduct reasonable and
raaaibla i Itself must be oursued in order to obtain a certain benefit, and so
that failure to follow that course will result in a loss, and the trend of events
will as a rule be changed. Here is the key to the situation :
... ; "Let the person responsible for a careless loss by fire be. made to shoulder
that responsibility, and compel all lniarers to stand aa appreciable part of every
lets from fire originating on premises controlled hy them, aad a self-interest will
be created tnereoy wmcn win greaiiy reaaea iae ure wane.
"There seems to be a tread la the direction of making those responsible for
fires carry at least a part of the burden. .
; The tremendous expense, incident to the war, which the public assumes, will
accelerate that tendency. Two hundred and fifty million dollars a year can be
used to much better advantage than reducing1-property to ashes.
i - "The appeal to safegaard yoar property from patriotic motives will influence
many to greater care, bat the legislative command to do It or saffer ladlvldaal
fltanelal loss will have the wider Influence. 4
i "Capital coming Into the field at present for fire insurance will obtain the
advantage of any teadeaey to eaforee responsibility."
: Read it again and let all its cleverness and beauty soak into your layman's
mttndt
i You pay whatever high rate for your fire policy, per 100 of insurance cover
age, the rating bureau or the companies determine.
. Thea. when yea have a fire, against which yon are paying the eompasy its
rice for making good, yov "stand aa appreciable part" oi yoar own iossi
Simple, isn't it? The company only pays a part ot theMace of your policy
yen stand the balance of the loss!
s And now, says Commissioner Hardison, is a good time to put over this clever
scheme, because the nubile is in a frame of mind, from "patriotic motives." to
accept such legislation. ODoa't forget that this arrangement Is to be a matter of
statutory eaaetmentt
i And. when sneh a law Is enacted, then new American capital will gravitate to
this thell.game called fire Insurance!
rn K. n.Mi. nf V,a aiiwMtlnn?
envsa wit wo vi v v v ""j"""
i Did the Russian Bolshevik ever put up any more flawless claim for something
fot nothing? Anything more subversive to the "Integrity of contracts"?
i Mr. Allen Browne, in the July Forum, defined the meaning of the word "Bol
shevik," you remember. He said it meant "those who waat the most!"
; The "Bolshevik" fire insurance companies of this nation apparently' -want
more than "the most" for they want the whole cheese, rind and all.
1 You do not believe Massachusetts' commissioner is serious In his suggestion?
J Don't tool yourself. He is very serious; he says now Is a good time to put
It ever j he Is Indicating proposed legislation In the interests of the fire insurance
eesnpaales of the country, legislation really oa the legislative program of the
lasaranee federations. Ana to ro to me isib sessions or ine state legislature.
t Watch your step, Mr. Business Man, Mr. Home Owner, Mr, Insurer of all
degrees 1
I first thing yen aaow yon will be required by law to pay highest possible
premium for fire protection, and then be required by law to, yourself, carry prac
tieallr all of your own less. - .
J If you happen to be one removed from a long-eared donkey, it may occur to
you that if you are to bear an "appreciable share ef yoar own loss," after paying
. fire insurance premiums to an old-line company, yon might carry all yoar fire
everase, with your fellow donkeys, en a cooperative basis, and seeare fall pro
teetioa at actual fire loss.
, Of late there has been published in the' press financial and daily news
statements in regard to "interest," or, as It is technically stated, "rent of capital."
Statistics are offered tohow that the big life companies, for instance, earn very
low interest ; and especially that these' companies are putting millions of dollars
14 to farm loans at an average of 5V4 per cent thus patriotically coming to the
rescue of the farmer. In a financial way, so that he can "produce more food" ia
the world crisis.
1 Oeorge T. Wight, secretary and manager of the Association of Life Presi
dents, declares in a recently published article that the rate ot interest on farm
leans ran:
"From 6.66 per. cent In 1914 to B.C3 per cent in 1916 T but that the average
rata throughout the country on the two hundred millions Of loans made in the
first nine months of 1917 dropped to 6.6S par cent. This rate of 6.52 per cent was
on loans made up to September 20 only and complete statistics for the year would
daubtleae show a higher, average rate, for the reason that the Interest returns on
the market value of stocks and, bonds have risen materially since that date, indi
cating an increase In the value of the use of money."
And then, to further prove how low a rate of interest the companies are
netting, we have the Spectator's latest statistics showing that 38 of the largest
life companies, with "nearly five billion of assets," obtained "a gross average ot
only 4.M per cent bn Investments for 1917"; 4.91 per cent for 1916; 4.18 tor 1916;
4.88 in 1914, and 4'84 per cent In 1913. .
Gross" return, please note ! Now, what was the net return? Of course, Just
e required or assumed interest rate.
t Now, we all know that these figures, while no doubt "mathematically" correct,
do not tell the facts. You can figure a problem several different way si and get
any answer you set out to get. '
Everybody who knows anything about the subject knows that no farmer in
the nation Is getting any old-itne investment loans for 6 per cent. The farmer
pays from 8 to 18 per cent, even more ; the old-line companies do not loan direct.
Their money Is carefully run through one or two or three intermediary agencies,
and the farmer pays a. rake-off to every such agency.
J Every old-line company turned down the Montana farm loan bonds, for
instance, because the Interest rate was too low 6 per cent, net, payable -eernl-annually;
and Interest and principal guaranteed by the state. f . .
!-,.". ' (
' Using the Spectator's statistics as a text, Arthur Richmond Marsh, in the
' Economic World, for June l, says :
,j "The bearing of what has just been said upon the question of the rate (or
rates) "bf Interest which the government of the United States has offered and
should offer for the saved capital necessary for the prosecution of the war, ia
evident. There is no sound reason why the rule of the 'just price should not be
applied here precisely' as it is applied when the- government purchases foodstuffs.
steel, coal and cotton or woolen cloth for the use of the array and navy. Yet
from the beginning there nas been- a marked disposition on the part of the presi
dent and other members of the administration to take the ground that the
purchase of the use of saved capital for employment In, the war is a totally
different thing from the purchase of other commodities for the same object. Not
a little irritation has been manifested by the president and his coadlutora at the
inability of the government to float its win- loans at far lower rates of Interest
than those recorded above. A moral isque- has been made of the matter, and sham
Vorde have been spoken about the selfishness and lack ot patriotism of those who.
suggest mat the success of the war loans would be promoted by an Interest rata
aocordant with the fact of the market, for saved investment capital. Thus the
president. In. his Red Cross address in New York a fortnight ' ago, dwelt, very
scornfully upon the treatment of a loan -to the government as a 'commercial
transaction and with a distinct touch of mediaeval feellnr about Interest, or tha
price of the use of capital, pointed the finger of scorn at some men" who .'have
even aarea to cavil at tne rate of interest.' ,
J TThere Is no doubt that motives or unselfish patriotism would lead-HU they
. ::favs led to the lending of billions upon billions to the government for the prose
cution of the war, at lower rates of interest than any yet offered or at no rate
Of interest at all. Nothing js really gained, however, by shutting our eyes to
the stern fact that no power on earth can prevent Uie subsequent adjustment of
tne market vaiue oi tne oonaa Dearmg sucn lower rates or interest to the estab
fished worth, or 'just price,' of saved capital. In thjs adjustment all tax exemp
tions WJ11 of course be capitalised also,,ddlng pro'tanto to the market value of
ondi tmt the process of adjustment itself la Irresistible,"
has ever stirred a nation. In these times
It Is accessary to be Insistent.
However there should be no decrease
in the amount of protection being sold;
there is a greater demand for bene
ficiary protection than ever.
The deetlae la the buying vowcr ot
the dollar: demands, aa Increase ot in.
snraaee ea the life of every persoa with
eseadeats4 Therefore, the better class
ot protection must be sold aad that Is
fraternal Iniaraaee.
"Some life Insurance companies art
making a drive to tell their expensive
policies. What would the government
tniss oi a manufacturer who seat his
agents to seU machine guas to clrlllaat
when the - government seeded every
weapon it eoaia obtain Tor the warf
What .will the goveraneht think of
the lire isiurasee comnssr that makes
aa effort to sell endowment policies that
contain Insurance ea the term plan com
Disea wit a. contemptible Investment!
"Dollars saved today are fighting dol
lars. If they are to do their fan duty
titer mast be loaned to the government.
cor these reasons, truly protective life
insurance is the patriotic kind."
The , loyal - American public, at the
present time, can find all he advantages
and none of the "gold brio" of "Invest
ment insurance". In Liberty loan bonds
and War Savings Certificates.
Quite aside from the fact that the old
line ; "endowment" and 'Investment'
policies are a stupenduous fraud, as at
present written, they are, as the Fra
ternal Monitor says, a subtle and dis
loyal competition against the govern
ment's war securities for the profit of
the insurance trust.
"You are wrong about the insurance
federation ; it Is friendly to fraternal or
ders, and honestly wants to 'Join teams
with these orders," declared a friend of
mine.
The insurance federation program is
against all forms, of cooperative Insur
ance. It frankly, according to Mr. Mc-
Kee, proposes to "save" the monopoly
of the casualty and fire Insurance bus!
ness to the commercial companies and
destroy all forms of cooperative Insur
ance casualty, life, fire: and especially,
to kilt off the workmen's compensation
laws in the interests of the casualty
companies.
It made a particularly vicious attack
against the farmers, organized and un
organised; and against labor, organised
and unorganised ; branding these die.
loyal; seditious; traitors; and compar
ing them contemptuously to the Bolshe
vik elements of Russia, and urged mob
violence as the one means of "savinsr
the nation from these classes It Ameri
can citliens.
It Is the farmers and their wives, the
laboring men and their wives, aad their
sobs ana aaagftters, who belong to fra
sernai Benefit orders. '
It Is the farmers and their wives, and
the laboring mea aad their wires, aad
tneir sobs ana daughters, whom the In
snraaee Federation has attacked, lndl
vldually aad collectively, nolntedlv aad
without any reservations, and against
waom it raisea tne question of national
toyaity.
Now, less than six months from the
opening of this vicious campaign against
these men and women, the Insurance
Federation comes and offers "a treaty :"
wants fraternal orders to line up ,wlth
ejae aerawon ana vote for its c&ndl
dates for public office ; its candidates
whom It has pledged to legislation for
commercial Insurance and against the
farmers ana labor.
STATES MS ATTITUDE .
REGARDING INSURANCE
f i i
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Waller II. Pierce, candidate for gov
ernor of Oregon.
PIERCE DEFIES HIS
VIEW OF NATIONAL
NSURANCE PROBLEMS
Democratic Candidate for Gov
ernor Declares for Square
Deal for Fraternal Orders.
PLAIN PEOPLE DOT
NOT QUIBBLE OVER
LOAN INTEREST' RATE
Happiness Means More to Them
Than Money, Service More
Than Gold.
IN VAN OF PROGRESS
They Are the Folk Who Dare to
Lead and Do Not Shirk
Responsibilities.
RIGHT t)F SELF DETERMINATION
WOODCRAFT
I
i --Dear patrlotls Money ! -Poor medlival President I .
1 "And tne "boys" m khaki! They have no "market value.' to bo cuittHuuf
ust their bodies, and brains, and work, and financial advantage, and lives, to
place upon the altar of the nation and the world I 5 "; s
) Ana mere be xoois who hold the notion thrfl money should be rated no higher
0
than men 1' Fierce. Isn't it. how atunld tha Mm tmmui t wMm v k..,.. .
i The .old-line Insurance comnanies. havino- flunked th war nir itntrSt
; . life ' insurer are now making s arive to seU "investment".-Insurance, The
, j r raiemai Monitor, aiscusstng tnis action, says: . - ..,.- . - ( - x
" f "Fraternal Unhltar la fnnffttAnt nmnn h . A..tin- .,t .w.' i. .
i ' v iVHiflf VW f.V
v. i yaent features of Ufa Insurance. The principle was wrong la the beginning. v True
, protection consists-of getting the grfeatest coverage for the money. . l- .
ff 'p" rrodsy the goTerimtiit atldi su lamtatntf for the most aehle parnoie Utat-
The nearest parallel to the Impudence
and treachery evidenced by the proposal
of the Insurance Federation for an al
liance with the members -of fraternal
oenent orders, is the alliance cOnsum
mated with the foolish Russians bv the
uermans. uermany wanted the eastern
front eliminated, so that she could throw
all ber forces against the western front ;
so she went to the foolish leaders of the
foolish Russians, and she proposed that
a treaty of peace between Germany and
Russia be signed. And the Russians
fell for it; and signed the treaty; and
"were out of the war." '
By no possibility could, the interests
of Germany and Russia be identical. No
more can the interests of the farmers
and the laboring men who make up the
mem Der snip of fraternal orders ; or the
Interests of fraternal life insurance, co
operative fire insurance, or any form of
tne working man's insurance, be identi
cal with the interests of the Insurance
Trust.
The Insurance Federation, havinr
failed fo put over its propaganda against
the organised farmers and organised
labor, are in the same mood as the phil
anthropic Hun ; it wants to destroy our
eastern line, until the west line is won ;
and will then begin to polish oft frater
nal life protection, at its leisure.
To suggestions that I cast my lot as a
member of the Insurance Federation.
away back in 1915, I said: "Nay, nay!
Our halos do not blend !"
Every development, since I first
pointed out the stupidity of fraternal
leaders in crawling into Jhe web of the
Insurance Federation spider, has been a
progressive confirmation of my original
opinion. i
But, even had I been wronr in 1915.
and 1917. the vicious attack against the
patriotism and loyalty of the farmers
and labor, by the Federation In 1918,
launched to discredit . these men and
their organisations, for the political ad.
vantage of the Insurance Trust, started
by my versatile friend,. Mark T. McKee.
paid secretary or tne insurance Federa
tion, la amply sufficient proof that, as
the head of a fraternal benefit order
composed of farmers and their wives and
laboring men and their wives, my place
IS not la the Insurance Federation; that
my pinee is to iignt ine insurance red
eratioa, at tne avowed enemy of the peo-
pie l am cnosen 10 iaaa, ana lead, hot'
estly and Intelligently. :
The Insurance Federation can render
the fraternal benefit orders no service
these orders are not perfectly -competent
to render themselves, without the Insur
ance Federation's assistance. ; We hav
the votes which we can use for our own
benefit, and in our own particular in
terests. - - .
:. But the 1919 sessions of the state leg
islatures are but one Item in. the program
in the fight to preserve fraternal insur
ance by amendment of the laws already
in xorea. :-; v.,ji. v.-.w. .
Joining the Insurance Federation won't
change the present situation, so tar as
fraternal insurance is. concerned not a
bit - '
No more. than the tace treaty aavad
Russia from the ultimate intention of
the philanthropic Huh; not a bit more.
So, in the precise and melodious voice
of the telephone) operators, I beg to say:
"Will you excuse me, please." I see no
reason tojshange my original opinion of
the insurance Jfederation. On the con
trary, milte the opposite! .
Walter Mr Pierce, candidate for gov
ernor of Oregon on the Democratic
ticket, has defined his position on the
insurance question as follows :
"La Grande, Or., Sept 14. Mrs. C. C.
Van Orsdan, Portland, Or. My Dear
Mrs. Van Orsdall : I beg to acknowl
edge receipt of your letter of recent
date In regard to my position on the
subject of Insurance legislation as it
touches fraternal benefit orders, coop
erative fire and accident the workmen's
compensation law and the wtiole gen
eral subject of Insurance.
"It gives me great pleasure to be able
to say to you that I have made a care
ful study of. Insurance and its related
questions, and have arrived a- defi
nite conclusions-, as foHows:
"First I believe that fraternal benefit
orders and any form of organized effort
upon a cooperative plan should be as
sured by our state and national lawa.
the democratic privilege of self-deter-
As you have read the newspapers' ac
count of the common people's participa
tion In the lilberty loan and the War
Savings campaign, have you noticed that
the question ot Interest is the one which
has the very least of all appeals to these
common men and women? That they
do not care whether the inter eft Is S per
cent or H per cent or 4 per cent oris
percent?.
Did you ever stop to realise that all
the millions of dollars this class of peo
ple have put Into the loans to the gov
ernment would have gone as freely for
2 per cent or 1 per cent or O per cent?
That they were loaning for the boys
"over there." and were not haggling over
the price they could et for their money?
You see, while the common people are
many times hard up and never rich,
money, as money, holds no sacred su
periority in their creed of life. Human
happiness, human helpfulness and
human ties; life, love and the truth
these things are very much more than
money to the men and women to whom
life means more or less of a struggle,'
from the cradle to the grave.
That starry flag Is the emblem, to
them, of something deeper, finer, more
compelling than rates of Interest or
stock market quotations.
And because these truths are true is
the fundamental reason why, they are
the common people, today, yesterday, to
th wnrid'a end : why they are, in all
ages. In all crises, in all forward move
ments, up from the twilight ages, on
to the dawn of the new democracy, the
elect the keepers of the ark of the
covenant
The common people gave the world
Christ; and he was born In a manger,
because he could not be born in the en
vironment of the so-called upper classes,
and perform his mission.
Tb common oet)le gave the world
Abraham Lincoln and no one born of
the "ruling classes" In America, who
thn. as now. based their aristocracy
upon money, could have met the situa
tion In a way to prepare :ue, in funda
mentals, for the great world role we
mint nlav today.
Wood row Wilson did not spring from
the lowly, as Lincoln did ; but he was a
scholar and an idealist; snut out irom
th rrodliur influence of commercial
ism ; and thus was ready. In spirit for
the mantle of leaaersnip, not oi our nw
aJonA. but of the world, and to be the
oroDhet of a new international creed of
social and political righteousness.
C. C. VAN ORSDALL.
Neighbors of Woodcraft
To Boost the Fourth Liberty Loan
QUITE without either official sanction or official prohibition from the
Liberty . Loan committee of the city of Portland or tLe state of
Oregon absolutely on our ovn responsibility.
' THE NEIGHBORS OF WOODCRAFT
will launch Monday, September 30, 1918, a campaign to place in the
hands of, members of the order tn good standing, who have not yet
subscribed, bonds, of the Fourth Liberty loan.
As a starter, we have purchased $10,000 worth of bonds, for resale
to our members. If more are needed, ;e will go up -to $25,000.
Any member of the order can subscribe at headquarters, corner of
Tenth and Taylor streets, paying a deposit down and an installment
each week or month, cs convenient; or paying all cash.
The Neighbors of Woodcraft, as an order and individually, enlisted
April 6, 1917, in the figlt for democracy, to a con.plete finish.
We are behind the president and his program, nationally and inter
nationally, to the last member and to the last cent of our savings.
There seems to be, however, no place for us to get hold to boost
and invest ip the Liberty loan campaign, because of the complicated
machinery of the official program.
But oar patriotoism will not be denied its eager desire to serve, some
way, some how; this way, since no other way is open, apparently.
We are to receive no official recognition or credit; but the Liberty
Bonds bought to hold, and tucked away in the bureau drawers of our
humble homes, is "credit eno' " for our kind of people.
We will "HELP WIN TH7. WAR" to the extent of our capacity, in
Portland and elsewhere. (MRS.) p. C VAN ORSDALL,
Grand Guardian Neighbor, of Woodcraft and member (by appointment)
-of the Advisory Council, National Woman's Liberty Loan Committee.
mlnation ; that tne state
tempt to arbitrarily Interfere with such
....tutiant beyond supervising In the
Llnterest of the general publlo to require
tnat tneee ors""""""
ministered according to their own laws,
""second I believe that Insurance of
all forms, being an economic and In
dustrial necessity which touches every
man, woman and chUd in this state and
in this nation, should not be turned over
to the monopoly of private corporations
for the exploitation of the public and
the profit ot private stockholders.
"Third I believe that the workmen's
compensation law Is one of the best
pieces of legislation to secure necessary
protection to the Industrial soldier f on
the firing line of the great, army f
production agatnsf the exploitation of
ambulance-chasers and the evasion on
technicalities of casualty5 company con
tracts that has ever been adopted. The
service the economic service under the
workmen's compensation law is rendered
as it should be to these soldiers of the
common good at the least possible cost
and upon a profit to nobody.
"Fourth 1 am- wiUiVto pledge atj
this time my influence . ana support- ior
any legislation striking from our pres
ent statutes any restrictive .na , Ham
pering provisions which may thwart,
hinder or-destroy .fraternal life protec
tion or cooperative protection of any,
hind, and to extend ny influence and
support against any attempted legisla
tion for the sole benefit and advantage
of monopolistic control of the Insurance
field by commercial companies for
profit
"In closing, permit me to say further
I have carried fraternal life protection
all my life. 1 have been, a member of 1
the Neighbors Of Woodcraft, carrying a
benefit certificate Since 1900. 1 am a
member of the .Woodmen of the World,
THERE Is presented In another column the declaration ot Walter M. Pierce, who
is a candidate for governor, of Oregon- at the coming election. This declaration
stands unique in politics a candidate for a high office and tn whose hands. If
elected, remains the choice of Insurance commisaiorter, taking a frank understand
ing and .definite position on the subject of fraternal and cooperative nauranoa.
Every member of every fraternal benefit order In Oregon aaeT the nine Pacific
states should read that declaration very carefully.
It enunciates the baa la principle upon which all state legislation or national
legislation touching fraternal or other forms of voluntary cooperative insurance
should rest: The right ef selt.detsrmlaatlon.
This principle of self -determination Is the basic one announced by President
Wilson upon which all questions of peace, nationality and territorial Issues must
be considered and adjusted at the close of the present world conflict, when the
triumphant democracies of the world sit down at the council table with the
defeated autocracies ot the world.
It is the only principle upon which Industrial, economic social and civic free
dom, and a true democracy, can be built to endure.
In the smaller field ot life Insurance, It Is 'the one vital necessity for the
perpetuity of a voluntary system of life protection.
. Aad a volsatary system of cooperative lasaranee ef all ferns Is the esly thing
that will reader aaaseessary, and srevent state Insurance. " ! -
. e . . .
If the citlsens of this state and this nation -may not themselves, through
voluntary associations, provide their own life, fire and other protection upon a
basis of freedom from legislative restrictions, prohibitions, governmental inter
ference and arbitrary standards lm nosed from f h nutalri than f t a n. ih.
nation must step in and do for the people of this state and the nation what the
people could much better, much more democratically, much more efficiently, do
for themselves. If gives reasoaasle liberty ef operation and the eneonrartment ef
urn riacr wmm ibs psrsvcauoB ei state officialism.
It.is rather remarkable that a candidate for a.hiah office should hold so elaar
a vision of the principle Involved ; It is more remarkable that he should have the
courage to take a publio stand upon the question. .
But it Is not at all remarkable that if all these other remarkableacta should
come to pass, tney snouia iirst come to pass in Oregon.
Oregon is -very definitely progressive and -wo hope has once' araln. In tola
matter oi iraiernai ana cooperative insurance, set tne pace upon a big Issue
Let us repeat this fundamental fact: - v
Either the state and the aatloa mist more to state tsinranesi
Or volsatary ooperatlve lnsnrasee ef all terms mast receive, from the state
and the nation, the eneearagemeat aad liberal treatment necessary, aad Jbe per
mitted freedom from vleloaa, hampering aad eatlrely asaeeessary restrictions sad
UdutatioBS Imposed hy leglslatloa la the Isterests ef the old-Use eommerelsl
Isssrasee trnst .
The citlsens of Oregon., and every other state, and the nation, must make a
choice, and that quickly, between fraternal life and other forms of cooperative
InmranM. mnA .t f A InuirftAM.
One or the other is absolutely necessary to meei the economic demands of the
times for about 90 per cent of our entire state and national population.
WHICH SHALL IT BET
If the people of Oregon and the nation may not do for themselves what they
can do, If permitted by Intelligent and friendly legislation to do it for themselves.
then the state must do this thing for them.
And when the state starts in It will not stop short of absolute monopoly of
the insurance business.
When stats lasaraaee comes. If It comes. It will eome to stay.
Here Is the real fundamental truth which the Insurance federations and the
old-line insurance trust should recognise: In attempting to destroy fraternal and
other forms of cooperative protection, they are attempting to destroy the one
efficient barrier to state Insurance.
At least one candidate for the high office of governor, in at least one state In
the Union, recognises the issue.
This high office directly controls the administration of the Insurance statutes
and insurance department
We fraternallata, and all men and women who believe that the state should
not attempt ter render any service which the people can better render themselves.
for themselves and by themselves, should find In the situation In Oregon, and In
the declaration of this candidate tor the high office of governor, a mlghy promis
ing one for the fraternal system of life protection.
If we can elect a friendly governor In Oregon, we can eventually do likewise
iff all the other states; aad still, eventually, we can have friends instead of
enemies In charge of the Insurance departments of the states ; and still, eventually J
we can nave rrienas insteaa ot enemies in state legislatures.
.
The situation Is ours to make the most of if we hsve the intelligence to grasp
it and to act I am. frankly, for going down the line In Oregon, regardless of
smaller issues, to secure the election of an avowed and declared friend ot the
fraternal system and other cooperative forms ot protection to the office of gov
ernor of Oregon.
There are but two considerations which we should put ahead of the 'best good
of fraternal and cooperative Insurance. The first Is the nation's best good In the
present crisis ; and the second is the loyal support, by state officials, ot President
Wilson's present aid future national and International program.
Candidate Walter M. Pierce Is all right on both of these scores he will, as
governor of Oregon, put the best good of the national cause ahead ot every other
consideration; and he will support the president in his program on national and
International questions.
This leaves us fraternallsts and all who believe In a real economic social and
civil democracy, free to boost for one of the important economic Items In a democ
racy: Fraternal cooperative insurance oi an ainas.
LEADERS ;
ARE MAKING PLANS?
FOR AUTUMN cYORK
' BBBBPaaBnBBSBnBBSBSB. . e
Committee Is Named Also via
Consider Proposed Amend
ments to By-Laws.
MEETING IS POSTPONED.
Because of Mothers' Parade
Action . Is Deferred Until i-V-
September 30.
The regular meeting of WoodcrafV
Officers' association was held Monday,' -
September 9. There were present the - .
following officers: Past president :
Oracle Sundeleaf; president Elisabeth
Wise ; secretary, Alice Snider : trees- -urer.
Nora Jones; trustees, NelghbeVa "
School. Bishop and Vilas. .V '
A special meeting was Called for Sep
tember 21 for the purpose ef planning '
big campaign to add to the member. ,
ship of the Neighbors of Woodcraft la -the
city. A committee was also ap' ,
pointed to report back on the meeting .
of September 21, recommendations and -
nnnaaiini. iu ui uy-l.w. or Uta BBSS ' -
elation. This committee consisted off '
Neighbors Gertrude Hall. Oracle Sun ' : -deleaf.
Bertie Britsenhoff. He ins '
Catherine Stites, Carrie Scptt Alma
Norton, Cera Wright. -A
committee to visit the circles wss ' r
appointed as follows: Anns Cox. Rosa' '
Schoe, Alice Rathbun, Thereee Atlphla, :
i. ciim vnrmau, uanurim Jon, 4BHUIS , -
Betsel and 8ophta Scott .
Owing to the evening of the list fsO J ,
ing on the date of the Mothers' parade.
s e w vases us isaiaauursi us . e
Woodcraft has a large , number etr'
mAthm hAd Mm am .1 tk. fMint
there was no meeting held, but ft was.:
agreed that the date of the meeting to '
consider the amendment to the by-laws
should be changed to September SO at, "
o'clock, in the grand guardian's offloev '
corner Tenth and Taylor.
. i , . j3,.'
vrt 1 1 it r umAnpnirrrno i
IUUI1U tr UUUvnnr I CnO
IN ESSAY CONTEST;
The young W coder afters who belong
to the Juvenile Circle at Camas are very
busily engaged In writing an essay in a'
prise contest The subject of the essay .
is the picnic, which was recently helif
by the youngsters, accompanied by Oen-t
bors of Woodcraft When the prise is,'
awarded, the winning essay will be pub-;
lished. ;
fraternal life protection is not recent or
ior political purposes.
"I want to register my pride In the
prompt and unselfish attitude of the
fraternal benefit orders in this nation
on- the subject of keeping In force the
life protection carried by the men who
have been called to the colors and to
fight our battles in France; to keep all
their life protection in force to full
face value and to pay the assessments
upon this protection out of their com
mon treasury as a patriotic and frater
nal contribution to the common causa.
"If there, were no other reason In the
world why fraternal benefit orders and
the fraternal benefit system of life pro
tection should be encouraged, instead
of hampered and hindered. , the prompt
patriotic, and ready adaptation of all
iraternsj benefit orders to meet this
national emergency, as contrasted to
tne prompt refusal of old-line eommer
ciai companies on the same points,
should be sufficient for every patriotic
American.
carrying' a benefit - certificate therein.
and in the A. .O. U. W. My conversion,
therefore to coafMeace. and pellet In
"The systematic and widespread cam
paign of abuse and vilification against
the. farmers, tha l&horlnr men an an
classes of the producing democracy of
thla nation by the Insurance Federation
f In the interests of the most menacing
trust m tne nation today the Insurance
trust seems to me to foreshadow the
possibility where the gigantic trust and
its 'non-partlaaji insurance federation
organisation must be fought to protect
the interests ot the whole" people against
Its menace.
"If elected governor of Oregon. I, as
governor of the state of Oregon, pledge
here and now my whole support and in
fluence for a square deal for fraternal
life protection and the preservation of
fraternal benefit orders.
1 wish to thank you" for the privilege
of thus expressing myself on this very
Important issue now before Oregon' and
the nation.. Tours fraternally. - - v
, - - .rWAITjLH 1L PIERCE.""
as
Orand Guardian, Neighbors of Woodcraft.'
MULTNOMAH ENJOYS .
JOYFUL HOME COMING
Circle No. 744 Greeted by Grand
Guardian Van Orsdall in
Their "Home"
NEIGHBORS
LAUDED
FOR W. S. S. CAMPAIGN
Active Participation in Sale , of
War Savings Stamps Wins
Recognition.
Neighbors of Woodcraft Hall, Port
land. Sept 17. 1918. Dear Echo : Mult
nomah Circle No. 744, Neighbors of
Woodcraft held their "home coming"
meeting Friday evening, September IS.
There was a very interesting meeting,
with a large attendance. Applications
were presented and balloted on.
The most interesting, feature of the
meeting was a visit from Grand Guard
ian C C Van Orsdall, who. welcomed
Maltnomah circle to their "home."
The grand guardian gave a very In
teresting talk on the advancement of
the Neighbors of. Woodcraft and the
advantages the circles in Portland had
to Increase "their membership ; and what
the fraternal orders were expected to do
after the war was over. !
The circle has planned to have a
"charter member" entertainment the
second Friday evening In October. All
charter members In Portland are cor
dially Invited to be present The grand
officers will be present and a good pro
gram has been prepared.
Multnomah circle ia the largest circle
in Oregon, and expects to grow . this
winter with the new campaign the. grand
guardian has outlined. All members , are
asked to try and get at least one -new
member and also to attend the meetings.
Fraternally yours, ORA M. ALLEN,
Clerk No. 744. '
Multnomah circle, to date, has Invested
$500 in Liberty loanbonds, having sub
scribed' for $400 of the fourth loan, and.
has $200 in War Savings Stamps. This
Is the top record for any Portland cir
cle. Five years ago. when Neighbor
Allen took the clerkship, the circles' gen
eral fund was broken and in debt. Now,
besides the above Investments It has
over $300 in cash and securities. Can
you beat it Vv V - "
- .,' s m ' '- ''
Neighbor Llssie Johnson, a. resident of
Tulare, CaU paid her first visit to head
quarters building Wednesday. Neighbor
Johnson waa la attendance at the O. A.
R encampment and la also visiting rela
tives in Portland and Hillsboro.
. Enlsvale circle of ' San Jose, CaL. has
sold $1109 " worth of - Thrift Stamps to
help win the wari Is there. any circle
in the Jurisdiction ,'tha( can show a
higher figure? . - - - k
Fresi tb Bosaman (Heat) Pailr Cbroniel.
The Neighbors Of Woodcraft of Port
land. Or., of which Mrs. Carrie C. Van
Orsdall Is grand guardian, is demon
strating the splendid merries that a fra
ternal benefit society esn give in time
of war. -In the war savings camoaurn.
the society took no chance tor neglect
by any or its subordinate circles In or
ganising savings societies. It consigned
a quota of Thrift Stamps to each circle
with Instructions to join this' patriotic
enterprise..' The consignment of Thrift
Stamps to nine states' has been as fol
lows: Colorado,- $19,401; California.
$18,449 r Oregon, $2S.32S: Washington.
$2i,t40f Montana, $5707; Idaho, $11.140 1
. . - a . . - K . . . m . V
uin, ova; Wyoming, 92S ; rtevaaai
$90, and miscellaneous consignments.
mis, a total of I1Z0,44.
Our local war . savings society has
done much of this good work, and hopes
to do still more. Miss Gertrude Brandley
has charge of the local campaign drlge
ox tne war savings society.
JUVENILE CIRCLE NO. 2
RESUMES ITS MEETINGS
n
The Juvenile Circle No. 2, Neighbors of
Woodcraft met Saturday afternoon in
Neighbors of Woodcraft hail. Tenth and
Taylor streets, with a good attendance.
The youngsters exemplified the ritualis
tic part of their work with enthusiasm.
A number of plana were discussed and
adopted in a business-like manner, the
children taking hold of the details. 11 Ice
veterans. , .-
A double quartet -was organised and
will meet regularly for practice, and prcr
grams from now on will be supplied with
vocal, as wen as instrumental music
The members of the quartet are Jose
phine Leach. Viola Slavena, Alice Smith.
George Webber. Marr Keliher. Alvin
Bell. Derails Allpbln and Gerry Sunder-
leac , A. program committee was ap
pointed to furnish entertainment at each
meeting, consisting of Josephine Leach.
Viola filavens and Bertha Lauth. T
The principles Instilled into the chil
dren are . primarily . patriotism i and
service. .; ' : ' "; '
-Regular meetings will be held 'every
two weeks during fall and winter,' at
Woodcraft Auditorium, opening, at 3 p.
m. on Saturdays, .- ?- ov:
WUUUuHArU NUIrN i-J
V
Ella B. Laldy, correspondent of Baker -
circle No. 765. writes : "Many of our, :
Neighbors have been out camping tn ther
mountains along the purHng straarasv "
taking with them their knitting,, ami, '
many a pair of warm and useful socks.
wHwn biiu vumiwu tur iu port
"Over there' have been finished and sent' -
to n xroni ; ana many a cneerins; wora -
has also been sent to make the soldier '
boys' hearts glad who are "Over there
IKJUU ilia MWCl LTCVb llteu , Mlt UMVf -
boys will help win the war, never fear.' -
"Recently we listened to a grand tattr .
on war and how to win It by Attorney; ,
Goodwin. His address was a very elo.
quent and patriotic appeal to every ma n
ana woman to do tneir bit ana quoted
many extracts from the book. "Conquest
and Kultur' a German book setting
forth their visions and intentions If they
should win the war. Tne book is issued.,
by the committee on public, inform-,
tSon, Washington, t. C. and will be sect
f rea to anyone who will write a raauakt '
for it It is a book that every patriotic .'
American ought to have aad read. : .
After the speech a goodly number
repaired to the banquet table, where t'
oysters and many good things awaited. ;
for the Jolly crowd, who did justice to
the repast - - -
"We are adding new members all the
time." . -
- i- . .
Sarah Rowland, correspondent ef
Daphne circle No. 2. Pendleton writes r v
"We organised a Knitting club, .aad
bought yarn snd knit 42 sweaters, and.
they were given to our home beys be-.
fore they were sent across ; and ' we
have $700 worth of Liberty bonds, and -we
pledged to buy one W. S. S. every .
month for five months; and the ma-'
Jority of,ow members are members of
th TLmA Croaa and heln with the makinar
of surgical dressings and the Red Cross ' .
sewing. We have 'not made, our plans
for the fall and winter yet k Our mem-
bers will be delighted to know that our
clerk. Neighbor Frledly. 1 rapidly re-covering
from a serious operation, whlcht
has kept her from attending lodge tor;
the last four months." .,- , ;:.
From Mistletoe circle comes the re-'
port: "We are entering on the second.
year of Red Cross work. We meet '
every Tuesday and Friday afternoon to
sew. Have a gooa reputation on our '
work, for which are are proud, as a'-
circle. We hsve very good meetings at'
lodge, considering' the busy times," . . :j
Wellington W.Bryant of Kansas City,,
a legal representative of the claim der
partment of the Brotherhood of. Ameri;
can Teoman. has been visiting In thd
Northwest in the interests of his ordenf'
During his recent visit to Everett Wash. ;
he made application for benefit member
shlp'in Clover Leaf Circle, No. Jj
He called at headquarters to discuss t
fraternal legislative matters v with I .
Grand Guardian van orsaau. .'. i ;
Among the visitors in. Portland to atl
IjBIIU LIIS3 Mm 4TW VIIVIUIIWIUCUI) WffIS
Judge J. A. Jones ana Mrs. jones, neigrtr
bors of Helena Circle. No. 91. Helena:"
Montana. Neighbor 'Jones has beervl
men of the World in Helena for the last;
29 years, and ha to also. peUessJudge.l
XIUS uiwi .im qvu wiu,
they were delighted with the- climate and.
the great' natural beauty surrounding?
Portland. ' v t. . li.
Neighbor Carrie Gorlick. a member ofi
Jumbo Circle. Na ; 191. Missoulsu Mo
tana, was among' the encampment vis-
jtors who called at headquarters, y
': Neighbor. Ella AL Heath ? and 7 Geor ;g.
M- Badger, members of Sequoia Ore?
Na 300, Bakertfleld, CaUL, reghnered at
haadquartarg as encampment visitors.