DAILY CAPITAL JQTONAfi. SALEM. OKKOOX, WEDNESDAY, JANUARY 2, 1008.
7s Onfy On
t'Bromo Quinine"
Laxative Breme Quinine
WEB
rue Yfottus oveh to mum a mow mm day.
XW tcfflombor tho full name.
this signature on cveiy box.
Look
25e.
(Vl&
rv&0
MODERN WOODMEN
MUST ftE-AMJST
QfestioH of Kates to Be Paid aid Siikiig Mi to Be
Created is tfroaglit up l$y Me
Document written by Head Clerk
C, y,'. Hftwcs, of tho Modern Wood
jgca of America, to every Insuranco
tosaBlsrion in V. S. on subject of
Kkquato rates, requesting freo com
ntfBt.. Ho takes stand that M. W. A.
mart advance rates of uicmborsliip,
Lk strongly faTora n reserve fund
on tfio snnio plan ns tho Woodmen
of tho World. Tito head camp sefl
rion which will have to decldo the
questions meets next June.. Hnwcs
says they cannot continue on present
rates nnd pay their bcneflclnries.
The 31. V. A. lias an aggregate of
our si,;r-M,;iwii,ru(j inHumnce in
force. Total membership In
801,000:
tween tho ages and over the full
tabular period.
I havo given careful study to this
featuro of tho rate question, and In
formulating the suggestions em
bodied In what follows in this re
port, I hnvo had tho ablo actuarial
assistance of Dr. O. E. West, chief
of tho record department of the head
dork's office, whoso ability and re
liability In actuarial work is known
to every member of tho council. I
do not hesitate to ondorso, as abso
lutely correct, tho rnto tables em
braced In the several plana hereafter
submitted for tho council's consider
ation, and I am suro that thoso rates
i .... . ...... . .
U. S. lwm ,)0 'Ounu correct uy every com
petent actuary.
fr to meet Its Insuranco losses as
they will maturo In tho future. It Is
Every society, ours Included, of
course, Bhould havo officers that tho
members will feel inclined to trust.
Officers not trusted by the members
or policy holders or any society or
company. havo no proper standing in
tho official family and need not hero
bo considered. I am inclined to tho
view that whllo some few members
of this and other societies may feel
disposed to doubt, if It bo put to the
test, tho Integrity of their officers,
tho real objection to tho accumula
tion of reservo funds Is tho supposed
danger of loss through unwise In
vestments, etc. .
Lot It be kept In mind that wo are
required to mako adequate rates that
tho great mass of our merabors will
bo ablo to pay; also low enough to
permit and rccognlzo tho admission'
of new mombers.
Tho old neighbor, as related to
rat readjustment, 1b our problem.
As a matter of sentiment and frater
nal duty, wo concede thatwomuBtbo
cared for; but not at tho sacrifice-' of
tho society's life, nor under plans
that will stop Its growth, which
evontunlly would -mean Its death.
It 4s conceded that tho old mem
ber of today has discharged his full
obligation to tho society, In the sonBo
that ho has paid for his Insurance
all ho was called upon pay. From
this point of view, he Is not indebt
ed to tho society. On tho other
hand, tho Illustrations of Individual
costs In section B of this report.
clearly prove from our own experi
ence that the older members nro not
paying their costs and that theso
costs, to a greater or less extent, are
being paid by 'the younger membors,
the nmount of the deficit each old
member creatoB bolng determined by
his age, rate, etc. Nevertheless tho
old momber cannot be criticized for
not paying somothlng he wns never
cnllod upon to pay, granting that ho
should havo bcon called upon and
beneficial members, wo cannot hope
to meet cir futuro obligations; that,
lo fact, our boneflclal members,
measuring their contributions by tho
owest morta'lty standnrd; and by
our own experience, are paying for
only a minor portion of the whole
llfo Insuranco represented by tho
certlflcntpg they hold.
I do tint uimlt as a part of this
'port any "rompromlFO" rates, or
half-way p'ans or mtnnurQs.pf..any
kind. A I e it, ouV-sooUtyls; ro.
quired to either nmko provisions to
meet Its future obligations in full,
m tbpy will mature from year to
war. or whn the time cotnta con
f if, inability to do ao. The oon-
i.Uraticr of compromise-" rates or
plan would limply be by way of da
ferine the day of judgment.
' tli. adoption of ratea ami
plant that wi i enable us to meat er
rv Db'K'.iMon we have assumed, or
v assunu- iu the future, ia worth
nire. ir xV.. a-e t0 rwUln our poiI-
'ion a a ... (ety entitled to the oon
fiden.o f jt, mnui,org gnd tht ,n,
rinK .ni'i- BtpBclally s this
true. ..in,-, ir t fBCt tnt wQ ftM
' in a portion where we may
Jop plan and ratea that will prove
wpiai, ,n the fr00t maig Qf our
number, when the nenassItA- fn,.
Wrali,tiR i, provtd i0 tneWt
I trut that what follows will bring
"me the conviction to every mam
Jr of our executive counoll If. in.
Jd, doubt n the pornt troated ex--and
t ,-vpryfalr minded and
, ant iHshbor. that not only do tho
nr nm- tiun... .
i. .. .; iiiuro our m-
I should fool
thnt tho society would bo JuUlflod In
This experience Is submitted to I A roservo in tho pocket of tho
tho council In proof of tho necessity "loniuors is nevor available whcn'8noujd hnvo imd lt
cxiiltlnR for consideration of ways !", uy uio way. u noes noi earn , u t Umt 0,d nioinbora
and monns that will enable tho socle- mtorosrt and make posslblo still low-' ,(1 nnf K,.... nn i,lf.Hnn,,(l Jo nnt
or rates for tho members, and, iin-lthog, rnlM C() ,od wth RonorOM9
like tho reserve Invested under offl-' . 1n,nrou , , rn.nnao fn
ihown conclusively that within tho clal antsplcos, Is usually dissipated our ymnK inon;bBrg ,vho nro not
Minlt of twolce nsfossments per yoar ' the holders, who default on their b n . u f honog. or ,U8.
and collecting the present rates from obligations nt maturity. I ., r frnlorlllt,. , contrlliuto mil-
It should bo remarked hero time ,lons of ,,olInrg , roer for It can
n fraternal bononclnry society llko t be mnlntalnod that It Is one mom
Otis never default.") never repudiates Iop.B ,Hty of 0I10 c,nM ()f meinborg
Jts obllgatlouB. Only the members' to HB9,8t , lmvnK tho ,U9Urnnc0
w..o in nici nro mo socioiy, can no C0flt8 of nilothor c,naa.
mis. Kor yonrs they ohoerrully pay
loss thnn cost for tholr protootlon,
and when tho time comes for thorn
to produce tholr so-called "pocket
roservos," they wax Indignant and
lapse out, damning tho society and
Its ofllcera for what? For tholr In
ability to oontluue to give them
something for nothing.
Th! ia the hlatory of the "pocket
reeerve" ayateui. It has deprived
hundreds of thoueauida of famlllea
of luauranc protection. It owoj
millions of dollare It will novor pay
through refuaal or failure of in. m
Itera to pay extra aafeMiuenta levied
to meet old age loso Iouoh that
serving notice on its old members
that they cannot block the way to the
society's salvation, on which over
738,000 other younger mombers and
their dependents rely for protection;
that they should either accept tho
generous rollef provided, or tho so
ciety would readjust on a basis re
quiring them to pay full co3t for
tholr insurance, without rollef.
Tho continuance of tho old mem
ber In good standing cannot, from a
strictly business point" of viow, be
held to bo essential to tho society's
welfare. On tho contrnry, without
tho old member, tho way to a com
ploto and adequato readjustment Is
Immensely simplified,' and can bo ac
complished at any timo.
Tho old mombors, in Bhort, can
not bo permitted to endanger tho so
ciety's perpetuity. In dollars and
centB, they owo tho society, nnd tho
Bocioty does not owo them. Undor
some Buch plan as suggested, they
would bo treated with a genoroua
conslderatcness that should com
mand their cordial endorsement and
support. If they fall to appreclato
thlB fact, tho responsibility for what
might fQllow, would bo all theirs.
In which ovont, a readjustment,
ohorn of relief measures, would prob
ably bo held by tho other 738,224
membors to bo Justlflablo from tho
vlow point of Justice to thomsolvop.
Wo nro in thnt position whore wo
nro bound to offect readjustment at
any cost on n basis generous and
considerate 'to tho old mombors it ho
will permit It; but, If ho will not,
thon without regard to and without
any provision for his rollef. Tho
wolfnreof 90 per cent of our mom-,
hers and their hcncflclnvlos Is of
groator moment thnn, tho wolf nro of
10 por cent. This cannot bo denied.
From tho slmplo fact that our
neighbors nro month nftor month nnd
y'onr nftor yoar paying assessments
as lovlod we must concludo that they
believe tho promises mndo by tho Bo
cioty, represented by all certificates
now In force, will bo redeemed at
maturity, As our society Is now, nnd
always has been In tho bunds of its
members, wo must further concludo
that, oiico they nrelnformcd ns to
tho defects in present plnns and rates
(Continued on pugo eight).
HEARTILY ENDORSE
COOPER REMEDIES
Dealer and Patient at Hallowell, JKaine, Make State
ments Under Oath.
In connection with tho Intenso In
torpst manifested by tho public nt
largo in tho theory ot L. T, Cooper
as to tho human stomach being tho
sourco of noarly nil 111 health, th.0
statements of Mr. W. D. Spauldlng,
ot Hallowoll, Mo., one ot tho oldest
and best-known druggista In that
state, and of Mrs. Frederick JIarvoy,
a woll known nurso living In tho
snmo place, will bo interesting to'
thousands of porsons who aro today
sufforlng from ailments directly
traceablo to tho stomach. Tho fact'
that theso statements aro mado vol
untarily, under oath, removes all
clement ot doubt. Tho statements
follew:
"Hallowoll, Maine, July 20, 1907.
"To Tho Cooper Medlclno Co.,
"Dayton, Ohio.
"Gentlemen Tho policy at Spauld
Ing's drug otoro Is to gain tho por
feot confidence of tho public by nev
er rocommonding any medlclno or
treatment until its virtues have boon
fully established. Tho Cooper Rem
edies woro to us an unknown qual
ity, wo wcro very skeptical of their
medlolunl vnluo, and It wns not un
til sovornl of our customers had ro
cclvod such bonoflclal roaults from
tholr uso that wo could no longer
doubt tholr vnluo that wo consontod
to tako tho agency for tho Coopor
Rotuodlos In this territory, heartily
endorsing tho snmo.
"Horowlth wo glvo tho testimonial
of a lady whoso caso camo undor our
parsonal observation from hor being
n regular customor, and alio says: -
" 'Clcntlomon of tho Coopor Modi
clno Co., Dayton, Ohie: It la with
plensnro I recommond your Now Dis
covery medlclno, ot which I hare
takon tho contents of throo bottles,
and can today eat anything without
Inconvonlonco to myself. For a
number of years I had fluttered in
tensely with sovoro headaches, sour
stomach, Indigestion, pains In y
sido, and .complications which mdo
it oxcoedlngly hard tot me to accom
plish oyqq my household work. Phy
sicians, had Pjlvon mo dozens of pro
scriptions, which failed to accom
plish a euro or ovon relief. Your
Now Discovery modlclne advertise
ment attracted my attention, and I
purchased a bottlo of tho medicine,
which I took according to directions
nnd?bcforo it was halt gono, I felt
very muoh bettor; when I had taken
tho contents of two bottles I gained
courago to eat many thtngg which
for years I bad doulcd myself, and
found thoy cnusod mo no 111 effocta.
Today, after having used throo bot
tles of tho Now DIscovory, I can eat
anything nnd foci that I am a well
woman onco moro, nnd thorcforo
would ndvlso anyono to tnko Coop
or's Now Discovery, for I fool suro It
will euro thorn.1 Mrs. Frederick
Harvey, Hallowoll, Me.
"Wo ondor&o tho nbovo testimon
ial, undor oath, ns bolng corroct.
"W. D. SPAULDING-.,
"Testimony. boforo mo undor ontli
this 22nd day of July, 1907.
"GEO. A. SAFFOUD,
(Sonl.) Notary Public,"
Tho Coopor romodles havo proven
omlnontly satisfactory whorovor In
troduced. Wo will bo plonBod 'to
explain tholr nnturo to anyono wish
ing to know about them. Wo nro
ngents. J. C. Perry.
whare unprovided for In the years ofUSK A I!AKIX(3
proseprlty uuder the current coat KNOW NOTIIINfi
I Inkfall 'PR PI I
t-- m " a1 a Mf
lilitiWMiWitfcllililfciltlitiiWllMWtilliWWMtitWrt1iiti
Free Rural
Mail Editionf
BQSBBSMajnBH
ttmrnM
1"
POWDKIt YOU
OF FOIt 1.K-
syetem. On the other hand, the loaa IN'O Pl'Hl'OSFS.
of rewarvea accumulnteil and Inveat- WHKX VOf INSIST OX VOUIt
ed under ofUoial auparviilon amounts fiHOCKH SlPPIA'lSfi VOU WITH
to practically nothing. KIM'MJY'S I'KIIFKCTIOX 1IAKIXO
The argument U nil In favor of tho POWDER, YOU CAX liKLY OX SK.
level rate '.iiealnst the annually In- CUniXtl THE KIND THAT WHJ
weaaing rate, in my humblo Judg- PROVE SATISFACTORY TO YOU
ment. Whllo it Is a difficult matter, IX EVERY RESPECT. ,hh USERS
t beet, for any society with a large OF EPPnEY'S PERFECTION HAK
memberahlp to readjust Its rates on IXCI POWDER HAVE NOTIIIXO
adequate plana, still, If given the HUT WORDS OF PRAISE TO SAY
choice, and If readjustment Is found REOARDIXG ITS RAKIXO QUAT.I
to be Inevitable, the 'avorago mnn TIES.
prefers a level rate, a rate that doe .
not change with hla age, and that
will permit him. during his produc
tive young years, to provide a fund, j
a reserve, to be employed for his re-,
lief during the non-productive yoara
of his old age. Tho average man
will not. If he oan avoid It. acoept u !
matu-it
ort
plan of nrotectlon for his dependent !
that Imposes upon him and annually
Increasing burden from year to year,
and whlgh becomos moat burdouaomo
'H's
uMllt.. i,.
--'j i meet our futaire obllgatioua
,n P'aM. but that the time'
9 do Sound ratea. permitting the
wy to redeem every promise It
wad or will mak tB n
It l to i,e remembartd that every
wr our 4-iumd obllgatldn ap-
I.11 ,,iat "iuch olosr the dates of in "low years In which ho Is least.
M I - . "
' loagtr we delay, the ' HW to mf.
- wasia to dalkatinv in. I Tha lftvi rata nlan. thrfnr
i ab'e c nclualoRg, the larger muatn t lwt every requirement of
e'n ""-lubr's individual oontri- tl average member. The only ob
it ' r,rd the ameuat w must ' Jotlon to U tKat has ever been seri-
"llUe Ti, ingi nur luinu i .... nilalv nHranMil le thnt It manna tha .
l0 n-et them. accumulation and Investment of rail-j
if ur ,o.iety la to live and pros- "ons ot dollar, wjth consequent j
r J: nMl,t provide for its members danger of loss. I
hiRa enough at every age, but) If. as a oeloty, we are to live and j
ot too higu at aay ago, and the meet our future obligation, we must j
a f 'oileodon, coupled with the ' olther dopt and adequate natural I
J?1"1'11 ,J-nnU, must be such as to ' promiutn plan the rates advancing j
Uo J of the masses of the from year to year or by series of
P'? It UAH 1,1 K Ul . -j.. ,.-. ...K onmo nnasllila mnillftnn.
no matter how adequate, it Rons involving tho aocoumulatlon
'5&
J'ZZM
I .LHak. Wmmmmmm.
mtttttttmkMimttttttttm
13
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:I
rate
"J rri) K.. kt.l. t-.x a:. .. J I a. A. -. ..11 .nann.fna
B tnat iney coma u iuyvmuuiui ui uu iooih.
be PaI(l !' our members. If the We must either provide n raserv-j
riei. u to live, its rates and the fund to hold tho rates reasonably low
"8 f payment must cover tho ' and level for life from age at entry,
r of the Insurance carried and ' or wo must collect moro money each
j whhln the reach of the masses of year from each member to meet the
8 people. Therefore, tho question ' annually Increasing costs. We havo
Plan to be adopted is all impor-'the oholce of these two basic plans,
deih t0T tlle cnaraste' ' the plan ' with their posslblo modifications;
J"alBea the rates 'to bo charged1 we must choose either one or the
"-so they are to be distributed be-' other, it- we are to live and pay out.
Dr. Stone's
Drug Store
The only cash drug store In Oregon,
owes no one, and no one owes lt;
carries large stock; Its shelves,
counters and show cases are loaded
with drugs, medicines, notions, toilet
articles, wines and liquors of all
kinds for medicinal purposes. Dr.
Stone is a regular graduate in medi
cine, and has had many years of
experience In the praotice. Consul
tations aro free. Prescriptions are
free, and only regular prices for
medlolne. DrT Stone can be found at
his drug store, Salem, Or., from 6
la the morning until 9 at night.
ITHIS OFFER GOOD ONLY FOR THIRTY DAYS-During the next thirty days oil sub-i
scribers on Free Rural Mails can obtain this reduced rate by remitting at UicJ
above terms. No deviation from these terms on any account.
f
f OVER THE PRIMARY CAMPAIGNYou will want a good daily paper over the coming
strenuous political campaign the hottest ever conducted in this state's histof y. J
iiv v.vmrnijniij vn rn-iTiiuiTw-1 mu. uniu juuiiiui tuifjiuya uu u&:iii3 n ainiiuuf a m
at these terms. It is the best paper for the money ever offered the people. U.
is independent and publishes the news without fear or favor.
E. HOP ER, Editor and Prop.
SALEM, OREGON
fciWMIIfcWfcllillWfcltWhUWMM
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