Tillamook headlight., November 28, 1895, Image 1

Every Member
of the
Family
^HERE IS
in turn
no easier
or surer
Waits
Expended in circulars
envelopes, printing and
postage will reach 2500
people probably.
way to
his or her
But This is Different
reach
their
Chance
pocket­
to
books Me-
Read
This Paper
TILLAMOOK. OREGON. THURSDAY. NOVEMBER 28. 1895. $1.50 Per Year
professional cards .
PHYSICIAN, SURGEON
AND ACCOUCHEUR,
All calls promptly attended to
TILLAMOOK. ORE
J D. XELLY, M. I).
lblYHICIAN AND BURGEON,«
Special attention to Obstetrics. Office in
Sturgeon's Drug Store. Hours 10 to 12 A. M.
and 2 to 5 P. M.
TILLAMOOK, OR
TILLAMOOK, OREGON
I T. MAULSBY,
ATTORNEY-AT-LAW,
>
Notary Public and Real Estate Conveyance«
TILLAMOOK. OREGON.
( «LAUDE THA YER,
A’l FOKNEY-AT-LAW,
TILLAMOOK. OREGON.
v
W. SEVERANCE,
a
rio it nicy - at
law ,
TILLAMOOK, OKKGU.N.
MISCELLANEOUS,
surance has overcome all these unfavor-
GtiieiKl Banking and Kxcliiuige bind new»
Interest paid on time deposit«-
Exchange on England, Belgium, Germany,
bwedeii and all foreign countries.
Tillamook,
Oregon.
G. W. KIGER,
Co
B. C. LAMB, Prop'r
ALFRED WILLIAMS
e
Exchange and IVJonay £>ßcuritiߣ.
Collections Receive Careful and
Prompt Attention.
BAY CITY. OREGON.
J
prescription^
4
Notary Public and Conveyancer,
Doe»» a Generat Real Fatate B um »»***4
Paja taxes for non-residents.
Bay City, O^ßgoq.
Carefully
Compounded
5
DEALER IN
Day oí» flight.
I
Mugical Iitfti'uniEiity.
lumber
lumber
Spruce, Fir. and Cedar Lumber.
Tillamook Lumbering Co.
FiW ßla^ iq Every particular
BAKEffy
VlvMOQK
BREAD
Pies and cukes, fresh
every day.
í reneh candie«. Fresh home made
candies. Sew supply <’< fruit« and
vegetables by every boat.
ICE C KE A XI
^Restaurant in
^Connection.
M illiner ^
*
.......D ress -M aking
Mis. I. J Kugftles «" I Mrs
Srst class millinery » lores n*i
...jne,..
tsblishment. Ulest .l,tc in millinery
Till«mook, Ore
Michigan has 60 mutual CORTLAND IS LOSING THE
REG A RD /NG ¡associations,
Bb'tí ’*‘u ; *” . • carrying
$214,000,000 in­
COAST TRADE.
MUTUAL INSURANCE.
surance. Wisconsin has 180 mutuals.
Iowa 137 ami Illinois 104. The average
[Tbe reea nt failure of the State lnsur- j )osses o( tha6e <81 1(gsi)ciiaiolls ig „bout
Portland merchants have taken con­
13 cents per $100 annually.
These siderable interest in the coast trade of
ance
Co.
has
revived
interest
in
mutual
lust received by the«-
. losses you will see compare favorably Oregon and have made several efforts te
iusuranc«, ami as soon ns possibl« w«
| with the rates made by stock companies ; provl,|e shipping facilities.
These ef-
shall publish an outline of th« methods in foreign countries
In some foreign fortg |mve ul| bw)n tlirevtv(, towBrdg
mutual insurance
has almost
usedill organizing and conducting an countries
v„u„<,.
..... .. .....
, Sinshiw and Coos bay, Imw-
done away with stock companies, ami
clone
and it
i i •
organization
of.this
kind
Those
inter-
¡
g
|
lir
g
6
]y
,]
ue
t
o
t|
lg
competition
of
mu-
«ver,
mid
nil the attempts have resulted
I
is largely due to the
ested will do well to carefully peruse tuals that foreign countries have such I disastrously.
The ventures have not
! favorable rates.
j been a success financially, and some of
the following, which is taken from the
The advantages of mutual insurance
the boats that were put in the service
•
Yamhill County Reporter:]
are many. It is safer, Tbe financial i
based up-1 were lost.
strength
of
any
institution
is
• Fire insurance is a system whereby
Several boats have been wrecked at
on its available capital as compared
the loss arising from destruction by tire
Umpqua, mid some at Siushiw, besides
with its risks
may be distributed evenly throughout
The entire assets of stock compmues schooners have been hiirbounil in Sius-
the community instead of falling entire­ do not average more than two per cent |HW for Hbout six months at a time
Album», £v<nnt«,
ly upon the person who owned the of th« amount they have at l ink while The trade of those pointe ii not worth
property destroyed.
It enables the the mutiiala always have an asae»»ahle the efforts, and it naturally goes to Sun
capital far more (han the whole amount | Francisco.
geölte,
rich to keep rich, and the poor man to at risk
Losses are more satisfactorily
|ilhe port|and people want to do
count with certainty on his gains and settled, it being to the interest of every , ¡something that will bring good results
(Gitntve, tToye.
savings. It endorses for you .
It en­ officer that an honest loss be paid in they should interest themselves in pro­
dorses for you. It advances you money full, and by their careful methods, re- v)(|ing better shipping facilities to Tilla-
(Cltvietniixe (Cux-be,
to commence anew when all has been quiring the assured to carry one-third lllook. Portland could work up quite a
of the risk, insures carefulness on the tia,|e |mre ai|(| WuU|,t Htand a fair show
swallowed up by fire.
part of the aisured, ami puts incendiar-1 to bo|(| it
However, San Francisco is
gibrury gets . . .
♦
There are but two - systems of insur­ ism almost out of the question.
g( tting a good share of our trade and is
ance—the stuck con pany and the mu­
There are three mutual fire associa- ( |ike|y ,o got |no|e (>f it or a|| o( ¡t
tual system With either system there tions in Oregon : The Lower Columbia 1 'p|lH stettiner Truckee is running direct
is necessarily some expense of distribut­ Fire Relief Association, Hop («rowers’' from San
to tbj8 pbu.o 11OW(
ing loss, otherwise the amount paid for Fire Relief Association of Butteville and ! gl|(| |ike|y lwo |)OMts will be on the
Next to Bank. TILLAMOOK. OREGON. P.O. Box 123.
insurance should always be the same as the Oregon Lire Relief Association of 1 |<ou^e ||QX| 8mU|ne|.
These boats run
the lose.
McMinnville. 1 he first named has been fo|.
|U|ubtt|- triule regardless of any-
fhe two important problems are, first in successful operation twelve years, but, tbi|lg
a|1<| ca|| Mff01(| |ow f rates cf
....... e|He> t______
to avoid dishonest losses, and second, to their insurance is confined to members.................. O1| merchandise coming from
1 have the loss distributed as cheaply as of the (»range,
'fhe second has been | j.', ¡H(.o
possible*. The stock company has two doing business about seven years
jf
'fnickee people or anybody else
objects in view. First, to make money Their territory is confined to a small . vaj| bll() or clente a market for Tilla-
: for the stock holders, and second, to district and their business to hop houses mook buUe|. |U|d cheese in San Fian-
i furnish indemnity.
The mutual has and their contents. ' 1 hey have about I ........
C)HCO> ....................
olll- trade would all be directed to
but one object in view, namely, to fur- 400 members and more than 90 per cent lbat p|ac0 suddenly
It seems however
:
1 nisli indemnity at the least possible of the Imp Imuses in their territory, and that the coasl counties of California turn
cost
their insurance has only cost them out some fine dairy products, and .
Upon investigation of business done about one-fifth as much as the rates of enough to supply the demand down
OREGON
TILLAMOOK,
stock companies we find they are charg­ stock companies
' that way.
ing higher rules here than in almost
The Oregon Fire Relief Association I If it were possible to convince I lie
►
4
any other part of the world.
In an ad­ was organized Septembei lltli, 1804 It people of Han Francisco llmt Tillamook
FULL STOCK OF
►
dress at Lancashire, England, II. <>. is a purely mutual Association, organ­ lmlt«‘r is a superior article, all that is
►
◄
►
◄
Essex, of the Lancashire insurance com­ ized f «r the purpose of mutual protec­ made heiewould find a ready sale there
DRUGS, PATENT
►
<
►
pany, estimates the avemge nite charg­ tion and to keep our money at home and would scarcely have any effect on
4
i
ed in different countries as follows :
Owing to their careful management, | the blitter market there. A small per
MEDICINE, DRUGGIST.S
4
►
4
France. S cents per $ioo insurance
they have never yet hail a loss, and cent of the lit st class trade there
4
Get many, 15
►
their members have already saved a ; cunsiihiH all the butter made in
NOTIONS, TOILET AR­
►
England, 20
4
hands"ine sum. One admirable feature 1 mook.
►
4
Austria, 36
►
of this association is the economy of its
4 4
TICLES, ETC., ALWAYS
it should be remembered that I here
Australia. H8
management. None of the officers re­ : are more people in the city of Sail Fra li­
Russia, 61
4
►
United States, loo ”
ce! ven a salary, their secretary ami lo­ cisco than there are in the whole tt tute
ON HAND.
:
Many other reliable estimates may be cal directors receiving a percentage oí I of Oregon, ami none of them produce
b
found agreeing with the above. Ih the membership receipts according to butler. Cities near San Francisco have
►
1
b
4
Oregon the average rate is about 200 the work performed. The by-laws re­ 1 an aggregate population as great us this
►
; ceiila per «WO
Why is thin vast differ­ quire all expenses to be paid out of their slate, and the sIMte of California has
Opposite B huk Building
This I mors than a million people.
ent:«? Innurnix e men have claimed the receipts from new members.
Their
tlifferenee is because we have more lite. method insures the continual growth of trad«? is worili looking out for. Califor­
in this 1 «entry. It is no doubt n (act the Association, ami insures to members nia's coast counties can’t always supply
that the la tter building methods of that they will have mailing to pay fol the interior with dairy products, ami
Home foreign countries has Homething to expenses, but only theii proportion oí the interior is not suitable for dairying
do with rales, hut to claim Illis vast the losses. Until their annual meeting
If we send ships down there with
difference entirely tine to building meth­ last Septeinlier their work was confined lumber, it will cost little to send our
ods would be sbstird
Yet ns los-es to Yanihill county, hut now their field bill ter.
Tillamook dairy products
here amount to aliout 4't per cent of pre- is extended t i include a II the counties should be a<lveiIised in California.
if
niiiiins received, «• know «e do have oí the Willamette valley except Mult­ (’alifornia knew that surli fine butter
The iiNMociation is growing is made here, California would use it
more fires here than in foreign countries nomah.
ami a lensoiiing man naturally links rapidly, ami has already more risks in notwithstanding the fail that Point
why? High rateH imlme coin pan iea to Yamhill county than any other insur­ Reyes butter is as good as'Tillamook
accept rinks that should not be inaiired, ance company. This association should butter, and not wit hslaiidiug the fart
...... I. l„,.rv unit iucrea*e.l facilities we "'<• hette. piepsreit
itiili
nur
11PW
lHIlf
I11IH
TX
itlltl
.....
............
..
.
ml
elo
With our new msi litnery íarie bilí» of 1 umber on >hoit notice and do
ami cfcminiHsione on large premiums have the suppoi t of every citizen inter­ that California gluts the I’ortlaml mar­
.. . . :
tn rill i.r list's.
tempt the agent to ove.t insure property, ested in keeping Oregon money in ket with cheap butler every season.
the agent, being sure oi hie coniniiasion (begun.
I’ortlaml will hnvs no coast trade un­
h 11 el 11 er it burns or not, Ims “all to
Per-
less matters take a different tilln
Mouldings, Brackets.
If our creameries would make some
gain and nothing to lose."
High rates
luips I’ortlaml doesn't want the COIlfat
Turning to Order.
or profits in any business always lead butter into fancy rolls oi tablets of trade.
to high expenses, as the trade is sought about one-fourth of a pound each, ship
I’oit
niter harder. There is no competition them carefully ami distribute at the res
Pave Hadley left .Monday
here in insuiaui'e fates; hilt much coni-
Biak'-ly, Wash , from which
Proprietor, of the Electric Light System. pstition for the bu«in«HS. Time we find ¡deuces oi the well-to-do people of Port­ expects Io sad shortly f«>r Southern \i-
ninny companies pnj iiig more for «1- land, Astoria ami Salem, with a label ricii. lie will go that to Ua|»etowii, and
accompanying each roll telling w here then to Delgoa bay, on the rastern coast
(lensee than for losses.
In Oregon and California alone we the butter is made and where it can he of Africa, mid llmi • to the mine- in
TILLAMOOK. ORE
find tire iiisiiiaime iimipanies consume procured, quite a demand could be ere- the in Um interior on the Zanihvisi
in a single year for ex|>eiiM s mid profits Hied for it. About 500 pounds of good river. The Port Blakeley Lumli.o Co
<4,«;«),4<Hi. This enormous sum if in butter distribute«! this way would sell a has wharves at I>elgoa bay, and ships
silver coin would make a tiain load of gieai deal mote at fancy prices
lumber there regularly for the mines
Pave promises to semi an account of his
silver dollars consisting of I4'_. cars of
County Surveyor A. M. Austin came experiences ami Ids impressions regard­
20.000 |Hiutids each.
The insurance com|mni«s estimate in Monday from the lien«*li sml reported ing the country to the H eadlight foi
’
C. H. SMITH. Prop'r
flint fully one-half of their fires are in­ hake llsh coming ashore by the thous­ publication.
candiary. I’.y a proper system of insur­ ands. He ways they are from a foot to
Cohn &(’<» have sold their entire
ance incendiarism would almost lie two feet long, and are good eating
W ines , L iquors and cigars
wiped out of existence, exjieiiHes reduced Home of the heacli settlers have salted stock of clothing, every stitch of it, to
Kopp's Beer on Draught
75 |>er cent, ami the iates of stock com­ flown large quiiiititie« of them. The Joe Bixby, and Jos ii selling it out, in
panies reduced to one-third Hie present hake come ashore pursuing another tin* hyilding in the rear of ('obit's store,
mid still yield n profit.
This result small fish, smell or sardines, a sclmol of formerly occupied by II. (’renshew’s
Myron Trowbridge is
The harness shop.
would save the Pacific coast seven ami which is running on the coast.
hake are alive ami in g»aal condition if acting as salesman, ami they ate selling
one-half million dollars a year.
idothes awful cheap.
(*obn & Co are
Another serious objection to stock picked up aw soon as they g* t ashore
buyingan entirely new stock of clothing
coni|Hiny insurance is Ilia large amount
Brady an«l Kovalef have lieen found
of money they <;cciinmlate by inducing
A •portuniaii who in only a novice yet
th« people to !«■ y iiisiiram e three or guilty and California eeeine to l>e purg­
went bunting the other «lay, and carried
ing
bet
•elf
of
pome
of
ber
woret
crim
five years in advance, and then retiring
hi« gun to the eaml »pit» bragging al »out
from business with an immense amount inalo.
GRAND CENTRAL
the dueke and g*-••• be would drop, but
of tbe people« money
So less than 20
Lamb has an immense stock of holi­ it baflii’l occurred U> him to load hi«
HALL.
stock cotn|<aniee have ietire<1 from busi­
day goods Novelties of all «lescriptions gun until he got on tbe hunting giouud*.
ness on the Pacific coast within the last
and everything
for presents.
Then lie found that Ide gun wmn a 12-
Fin« Liquor« «nd Ci«a>«
two years.
Tillamook. Oregon
boreamllho cartrblge« were made to
In the far e oi these ¡acts concerning
Gnarauleed to cum Itti tons Attacks sad
fit a lO-lwre
looaupMtiofj.
AmeB
Hi»«
ffa-ana.
our present methml >f in-urat.i e is it
DRUGGIST
C. Ä E. THAYER
time we sought a better method?!
TRADE CHANNELS
INSURANCE , not
Wherever thoroughly tried mutual in- ;
SOME FACTS
Novelties
•
ATTORNEY-AT-J.AW,
CHEAP
Holiday
0AVID WILEY, M. I).
Invested in these col­
umns will lay that same
matter before the same
2500 people.
BUREAU SALOON
B. HADO-'