The Brussels Post, 1917-2-22, Page 2The volume of applications for new insurance
during 1916 was by far the Greatest in the
History of the Company. That is the best
evidence of public esteem.
Let us lead you eomo fresh Insurance facie
CROWN LIFE !INSURANCE CO., TORONTO
Agents wanted in unrepresented districts 35
Farm Land Manure And Acid
Phosphate
The essential constituents o',' plant
food ---nitrogen, phosphoric acid and
potash --are first found in Nature's
great storehouse, the soil. When the
founders of the country first began to
till its soils they could produce heavy
yielding crops of excellent quality
simply by planting the seed and Har-
vesting the ripened crop. This, in-
deed, is the story of Western Canada
at the present time, where another
generation of pioneers are fast de-
pleting the store of plant food which
Nature has stored up. There comes a
time, however, when by continuous
cropping beth the supply and the
balance of the. plant food are se-
riuuly interfered with, and the re-
sult is that ,mailer yields of inferior
quality are produced. For a hundred
year, past farmere in general have
recognized the value of plant food in
stock manure. Yet, an I go up and
down various pact: of this continent
I observe farmers throwing stock
manure out un -ler the eaves of the
barn where every rain can wash
through, carrying off its brown
stream from the manure heap. This
brown stream contains ("ver half of
the soluble nitrogen and potash of the
manure. In order to get best results
from manure it should be carefully
protected from rain and snow, and
comparted to prevent burning.
Manure is weak in one plant food
constituent. You will notice by the
analysis, as 'shown on the chart, that
it Itas a considerable amount of nitro-
gen and retail, but it is deficient in
phosphoric acid, the plant ripener,
For a cereal crop -that is for wheat,'
oats, barley, corn, etc. -manure should
be supplemented by arid phosphate.
Director Thorne, of Ohio, whose care-
ful work has extended over a quarterII
of a century, reports in his Bulletin
144 that the use cf 40 pounds of acid
phosphate per ton returns a good pro-
fit on iii e4.tment and results in a
Iarger yield of better quality crop.
A great deal is being said these
days about the discovery of Hellriegel
and Wilfurth, announced to the world
in 1880, demonstrating that the
legumes by virtue of the bacteria Iiv
ing within the nodules on the roots,
have the power of absorbing nitrngen
from the sir that circulates between
the soil particles, and of fixing this
nitrogen in the soil so that the gni! is
richer in nitrogen after growing
legumes than it was before. This is
serviceable knowledge, yet the lima -j
tations of legume; to affix: e,uffieient'
nitrogen for norm] large crops of
cereals and other er,.ps should be re-
cognized. Some farmers aro saying:
"If we can get clover or other !eg-'
times to grew, we need not buy nitre -
gen to apply to the sett:' For the last
two or three years we have Leen in
communication with the leading ex-
periment stations of this continent
and Great Britain. and have obtained
the e-xpet•ssiens of Ieading scientists
relative to the question of the amount
of nitrogen fixed in the :soil by hatter,,
Jai action on the roots of common farm •
legumes.
Penny and MacDonald, of Delaware
College of Agriculture, state in their
bulletin No, 86; "How much of the
nitrogen found in the clover is 'new',
and how much drawn from the soil we'
have •itot tried to cletermtne by direct,
experiment, if indeed it be possible to
determine it on the Targe agricultural
scale, that is, in open field work, But
it should be emphasized that by no
means all of the nitrogen iu (+over is
Ito be credited to clear gain; a portion
and probably in some eases more than
half is 'old' nitrogen taken from the
soil. There is every reason to be-
lieve, however that the richer the soil
in nitrogen the Less the amount of
'new' nitrogen taken from the air. ,"
In presenting this opinion, I do not
wish to appear to be discouraging the
growth of legumes. I heartily be-
lieve in their use and advise the in-
corporation of legumes in a rotation of
crops. Yet, I believe it is in the
interests of the whole world that farm-
ers recognize the limitation of leg-
umes, and realize that there are many
factors which may greatly diminish
the amount of nitrogen fixed by leg-
mues. Henry G. Bell, in address to
Ontario Experimental Union.
Why Clover Does Not Thrive On Some
Soils.
As the soil gradually losses its basic
materials, like calmium and magnes-
ium, by cropping and leaching, such
'lime -loving plants as clover and al-
falfa ceases to thrive.
Cultivation and cropping hasten the
removal of the basic materials; this is
one reason why some soils become
acid, and do not grow good clover
even when fertilized.
Asa means of determining the need
of the soil for lime, the litmus paper
test when properly made is probably
as good as any chemical test, declare
the Ohio Experiment Station chemists
after several years of experimentation
with different methods of detecting
soil acidity. This test consists in
placing blue litmus paper, which may
be bought at drug stores, in contact
with moist soil for half an hour. Tests
at the Experiment Station indicate
that soils which turn the blue litmus
paper red in this time will he bene-
fited by liming. Land that does not
need lime to increase crop yields will
have but slight tendency to change the
color r,f the blue paper. {j
Corn and Oats For Work Horses, I
Contrary to popular opinion the
horses fed Oats have more life, keep
in better condition and endure work
better, especially during hot weather,
than horses given a grain ration con-
sisting largely or exclusively of carn.1
An experiment conducted for 48 weeks'
at the Ohio Experimental Station with'i
work horses showed, it is claimed, that
'
mats are not superior in efficiency to
corn, and economy in feeding is gen-
erally in favor of corn.
Three teams of mature geldings
were used, one horse in each team be-
ing fed oats and the other an equal
weight of ear corn in connection with
mixed clover and timothy hay. There ; t
was practically no difference in the
changes in weight during the year be-
tween the two lots. Nu difference due a
to the feeds used was observed in the a
spirit and endurance of the horses.
The cost of feeding the cern-fed t
horses, with Born at 80 cents a busheI,, ni
oats at 60 cents and hay at $10 a ton,»0
was $85,85 fur the 48 weeks, as cont-;°
pared with a charge of $122.19 for the
hares given oats. t
i1
••• 8
:sartorially Disappointing.
First Girl --So you met Mr. Blank .d
the famous writer, at the reception, It
What do you think of him?
Second Girl -•-Not much. His clothe:;
are quite old-faehioned, and I under -
Mond he was celebrated for his style. a
An inventor has employed a turbine ' p,
',ter in a new silencer for automobile t
exhaust pipe. 1
CANADIAN ORDER OF
FORESTERS HAS SPLENDID
RECORD FOR 1918
WILL READJUST ITS RATES
Society Proposes to Place Its Businees.
on a Basis of 100 Per Gent,
Actuarial Solvency.
The Canadian Order of Foresters has
had a record possibly without parallel
in the history of Fraternal Insurance
Associations operating in Canada.
This Society was instituted in 1879.
In 1885 it enacted a table of monthly
assessments which has beeu in force
from that time down to the present
without a single change. During that
Period all other Fraternal lnauranoe
Societies, it is claimed, have found it
necessary to revise rates, until 'this
Soolety stands as the only prominent
Institution operating upon a remark-
ably low schedule of rates, In 1916
the Society paid out in death claims
over $726,000.00. Notwithstanding this
large payment, It added to the Insur-
ance Fund, for the year, over $422,-
000.00. The balance standing to the
credit of the Insurance Fund on the
81st of December last was $5,628,848.00.
In spite of this moat unusual record,
the Society decided to nave a most
thorough and comprehensive investi-
gation made of its actuarial standing.
This course was thought wise on ac-
count of the legislation passed by the
Ontario Legislature at its last session.
The Legislature in 1916 passed an
I Act which requires that all Fraternal
Insurance Societies shall, on or before
the first day of April, 191.8, Ale a re-
port with the Registrar of Friendly
Societies, which report shall contain
a valuation of all its Insurance Certi-
ficates in force on the Slat December,
1917. This report must not only show
the Insurauee Liability which the 80.
ciety has undertaken to pay, but also
the Assets which the Society has avail-
able, iu the way of accumulated Funds,
and future assessments for the pay-
ment of the Insurance Liabilities as
!they mature. The object of this state -
meat le to show the degree of actuar-
ial solvency which each Society has.
! as of December 31st, 1917. The Act
!provides further, that at the end of
each three-year period, after 1917, a
similar statement of valuation shall
be filed in order to ascertain whether
or not the Society has maintained its
degree of actuarial solvency. The ob.
: ject of the Act is, that where a society
shows at the end of the first three-
year term that it has vet maintained
, its degree of actuarial solvency that
there shall be such an increase in
rates as will insure that the society
!shall maintain the degree of solvency
which it had on 31st December, 1917,
for improve that posItien-
In view of this legislation, the Can.
adian Order of Foresters decided not
to wait until the 31st December, 1917,
to ascertain the facts required by the
Act, and, shortly after the Act was
passed in 1916, this Society engaged
Mr, Abb Landis, of Nashville, Tennes-
see, for the purpose of investigating
its actuarial standing, as of the 31st
December, 1915. Mr. Landis is one of
the leading actuaries on the American
continent to -day, and is so recognized
in the Insurance world. IIIc experi-
ence extends over a term of twenty-
five years, eighteen years of which ]las
been devoted exclusively to Fraternal
Insurance Associations. In these
eighteen years Mr. Landis has advised
with one hundred and eighty-six socia.
ties, six of these societies being Cana-
dian. He has also beeu for fifteen
years on the Committee of Statutory
Legislation or the National Fraternal
Congress, and has been prominently
identified with the drafting of all bills
dealing with Fraternal Insurance legis-
lation. Mr. Landis is also the author
of eight books on Insurance, which are
accepted as authorities to -day.
The Actuary has found twat during
is whole experience of thirty-six
years, the Canadian Order of Fores-
ters has had an exceptionally favor-
able mortality experience. Because of
this exceedingly favorable mortality
experienee, and the large amount of :
accumulated funds, Mr. Landis has
been able to prepare unusually favor-
able monthly assessment rates, which I
will enable the 'society to provide for
he payment of all future claims.
These rates of assessment, as com-
pared with rates deduced from other
mortality tables, is very mucin to the
dvantage of the members of the. Can.
digin Order of Foresters.
In constructing• a mortality table on
he experience of Ole Society, Mr. Lan -
is has eliminated the first five years
f membership duration. The object
I' this course Is in order to insure the
death rate under more nearly normal
onditlons than would be possible by
eking the first five years of duration
nto consideration. During the first
ve years there is a gain from recent
medical (selection. Ho has recommon•
ed a schedule of rates, which, based
upan the report which will be filed as of
he 31st. December, 1917, should Show
s
s:
nore than 100 per cont. of actuarial
olvency, because of margins of safety
which may be -classified as follows :--
First: There would be galas from
ctual interest earned In excess of 4
er cent., which is the amount the
ctuary fixes as the basis of mania -
ion. As a nuttier of fact, the average
nterest canted by the Society, upon
":w,,.rr.,r•: 01,111101,1111... ,r. r. r.- tr. ;,,,..r sr�'ha,. r* ,y
fes' 6✓ ct/ fi'',.'.a/AieIYeamto
Mg/ p
'7 e blending
e
i8r cc�e,,r�tinrnQ/
^aur '0m+; 11,gy, •,.rur, ',arvesu.esner4.
MAa�R we.a-r .xeref.• e, "AM, r...
its Insurance Fund, as at present ins
vested, is 6.44 per cent. As the se-
curities held by the Society are moat.
ly for long terms, there should be a
substantial gain on interest account,
Second: There would be a saving
from a lower death sate by reason of
the fact that the first Ove years of
membership has been eliminated by
Mr. Landis in constructing his mow
tality table.
Third: There would also be gains
from accumulation forfeited through
lapses. No allowance was made for
such gains in axing the schedule of
rates.
Fourth: There would be a surplus
is contributions owing to the fact that,
after eliminating the first five years
of membership, the Actuary loaded
'the tabular rates by an arbitrary sum
to make assurance doubly aura.
Notices of motion have gone out to
the membership providing for read-
justment, and this legislation will be
considered at the next meeting of the
High Court of the Order in June.
The rates for members who are now
In the Order start at sixteen, with a
monthly assessment of 65c; at twenty
thethirty-rateflue, is 690;08; at thirty, 85c; at
at forivEve, $1.53,
I with gradually Increasing rates Inc the
older ages. The rates for new mem-
burs start at sixteen, with a rate of
65e; at twenty, 73c; ae thirty, $1,02;
at thirty -live, 51.23; at forty, $1.52; at
forte• -four, $1.83.
Two options are given to those who
are already members of the Order.
One option provides that all mem-
bers who are between the attained
ages of sixteen to forty -Eve. inclusive,
ages elect to tape term Insurance,
which will entitle them to carry their
present Insurance at their present rate
until they have attained the age of
sixty years. Members between the
,attained ages of torty-six and fifty-
,
Ave, Muelustee, may elect to continue
the present amount of their Insur-
ance, at the present rates, as term In-
•surance for a period of fifteen years.
Those members who are between the
attained ages of fifty-six and sixty-
nine, inclusive, can carry their pre-
sent protection as term Insurance, at
their present rate, for ten years.
Term protection of members between
the attained ages of seventy to seven-
ty-six gradually decreases from nine
years at the age of seventy to three
• years at the age of seventy-six and
lover,
I The second option insures to all
members no matter when admitted,
when they attain the age of seventy,
and over, the right to paid up Inset --
lance for amounts set out In the
schedule prepared by the Actuary,
where such member's do not desire
to continue to pay the fife rates. This
scbedule entitles the members from
sixteen to eighteen to paid up lnsur•
mice. for $900 at the age of seventy,
which amount gradually decreases as
the attained ago of the member in -
The adoption of the proposed re•
adjustment will place the Society on
a basis of absolute solvency from an
actuarial standpoint, and enable it to
maintain its splendid position in the
world of Fraternal Jnsurance.
Sent It Home.
Over the' garden -fence the conver-
eation heti suddenly turned acrimoni-
ous.An' if yore boy, 'Erbert, ties any
more cans to our pore dog's tail," was
Mrs. Moggins' stern ultimatum. "'e'It
'ear about it, that's all. Oh, an'
per'aps you've done wiv that sauce -I
pan wot you borrowed last Monday."
"'Erbertl" asked Mrs, Grubb ehril-
.
ly, "wot 'ave you bin don to Mts.
Moggins' dog?"
"Nothin,' ma!" replied the small
boy, unblushingly.
There!" said hie mother triumph-
antly.
"An' you returned 'er saucepan
yesterday, didn't• you, dearie?"
"Sent it back by 'en dog!" said
Helping Service.
In the old days automombiles were
sold without anything about service
being mentioned, but at the present
time, the wide awake motor car agent
not only handles machines of standard
make, but also organises a system
wherby he can give to his clients,ba
measure of careful and regular atten-
tion that will not only keep them in
good humor, but save them an im-
mense amount of money. This ser-
vice system generally includes month-
ly inspections for a definite period. It
has been truthfully stated that a man-
ufacturer can guarantee a ear, but
that he cannot guarantee the driver of
it, We are all very apt to make mis-
takes, but the expense incident to these
errors, can be minimized if the agent
from whom you buy your automobile
looks over the car at regular inter -
cats, and advises you regarding any
acts of omission or commission you
may be committing. These owners
who enjoy the greatest satisfaction
from their machines are generally
man and women who not only take ad-
vantage of all the service that is ac-
corded thein by the agents from
whom they have made purchases, but
actually in addition, give to their
motors studious and painstaking at-
tention in order to help it and to help
the dealer also,
the jackets at a comparatively low
temperature. When the cooling fluid
is at too low a temperature it causes
condensation on the inner walls of the
cylinders. This results in a num-
ber of minor troubles, such as, loss of
power, worn pistons and rings, loose
bearings, and knocks. We would
suggest that it might be well for you
to provide a curtain for the radiator.
Such a contrivance can be installed so
that by rolling it up any desired con-
dition of heat may be, obtained. •These
adjustable curtains are offered for sale
by a number of different firms, but any
handy housewife can very cosily make
one at small expense, Many care
are to -day being fitted with thermo-
meters or motor meters attached to
the radiator caps. These appliances
indicate the temperature beim main-
tained by the cooling system and incid-
' entally give the driver a constant
supply of valuable information. When
the water is steaming, immediately
you are advised, and when it falls to
too law a temperature, accurate data;
is also at hand. Of course you are
cognizant of the fact that compression
is produced through the valves on one
side and piston rings on the other side
of each cylinder, 1f the 'valves bo -
come leaky, they allow the oil to get
past them. We write these introduc-
tory remarks because at this season:
of the year it is well to innprees upon
car owners and drivers to provide a;
rich mixture in order to overcome cer-
tain inconveniences in connection with'
the cooling system falling below non-;
mal temperature, When a viral mix-'
ture instead of a lean mixture ie. used,
there is bound to be a heavy carbon:
deposit and this seldom facts to remit
in sticky and leaky valves, We point'.
this out, not to advice the use of a'
lean mixture, but rather td'.deflnitely
acquaint you with the condition which!
mast inevitably obtain when a large;
percentage of gas is being utilised.
The weather often produees cireunis-.
tames that must be constantly coped
with. If your car is being started
from a warm garage, it will quickly
get underway with a lean mixture,'
but should you leave it some time in
the open under anything like zero con-
ditions, a rich mixture is essential, and
then you must make up your mind that
carbon is being deposited upon the
working parts.
The main purpose of this article is
to further familiarize °timers and
drivers of motor cars with the season's
conditions in order that they may be
prepared and ready to surmount any
difficulties that may arise, and in
order also to assist the agents from
whom they purchased their malhines
to give them better service. -Auto in
Farmer's Advocate.
Let us state thatout ou should reme-
y a m
ber that some of the present grades
of gasoline are responsible for many
troubles, , Some gas has recently been
marketed that was distinctly injurious
to any internal combustion engine, and
even the best available gas contains
some small quantities of kerosene.
Now it is an accepted fact that kereo-'
sane requires more heat for perfect
' combustion than pure gas, and so the
degree of heat roust be increased in
dhoc t ratio to the amount of kereo-'
gene in your fuel. If you are burn-
ing a gas under conditions of complete
combustion, a certain quantity of the
unconsumed mixture is bound to get
into the crank case and have a bud
effect upon the lubricating quality of
the oil, This, in turn, affects the
working parte of any engine. Speak-
ing of oil, it might be well to mention
that it is always an excellent idea to
dram the crank ease and refill it with
fresh oil every five hundred miles, anti!
the necessity for this operation i>1
greater in the winter than in the sum-
mer months. If you constantly keep
an excelling grade of,clean oil in your
crank case, you wiiiYflnd diminution in
your troubles over valve grinding, de-'
fective piston rings, etc., -
The winter weather has a tendency
to make an owner run his motor with
the water in the radiator and around
,
er er calmly,
New Crate For Poultry.
For shipping poultry a crate has
been invented that folds a quarter of
its extended size when empty, for
convenience in handling,
C WWLDREN OF
THE W ZONE
AID TRE FATHERLESS CIIIL-
DIII:N OF FRANCE.
Many flardships Are Suffered Durin
War by the Frontier
Children,
g
Among other charitable work in con-
nection with the war is that of reliev-
ing
elieving the sufferings of children made
orphans and homeless by the German
Invasion of France, This work is in
the charge of a committee whose aim
is to rescue from the invaded districts
the children who are absolutely desti-
tute. Many of these have seen their
homes blown to pieces by shells; more
yet have lived for long periods of time
in cellars; all are in dire need of
clothing, food and shelter.
Some of those children during the
invasion and evacuation of their home
village have become separated from
their own people. One little boy in
the early clays of the invasion became
•fdparated from his grandmother and
lived one year with the men in the
trenches. Then he was passed over
to the committee, as his health was
suffering under the strain, Of the ex-
( perienco, however, he retained a mili-
tary attitude, and now undertakes to
I discipline the playground of the com-
j mittee depot where he lives and of
which he is the self -constituted of-
ficer, An Alsatian boy served in the
trenches eighteen months, until he
was sent away owing to his extreme
fatigue. Of the relatives of many of
these ehildret'i nothing is known -they
may be dead, and many n pathetic
tale could be narrated did only space
I permit. But the situation is atrungely
, difficult in many cases, especially in
cold weather, whe,t ordinary- hardships
become complicated by hundreds of,,
little red, swollen feat and broken chil-
blains, which mean months of hospital
treatment for the sufferers.
I Will Not Leave'fheir Homes.
• There are eighteen colonies where
'those children may be sent upon ar-
rival, after being fitted out with clean
clothes, unless they are subjects fon
hospital mare. The tenacity with
which- The French and Belgian popu
latlons cling to their homes under the
most impossible conditions is truly
phenomenal. M. Coudert tells how in
August, 1918, he watched great shells
flying toward Pont-a-Mousson, and
was told he was witnessing the 164th
bombardment of that unfortunate
town! Ile was amazed to learn the
several thousand inhabitants still liv-
ed in hiding in the cellars. They had
been living there since the early days
of August, 1914, Among them there
still remained same 'children. This it
no single instance. In all the invade l
districts the same thing has occurred.
The society almost daily receives chil-
dren, who, after living for menthe in
cellars are in a pitiable state. It is
difficult to save them front tubercu-
losis and other diseases incident to ex-
posure and dampness in the holes in
which they have dwelt so long, Lark
of proper nourishment has added to
other adverse conditions. With, their
fathers at the front or dead and their
mothers and relativeet scattered and
lost in the wreckage of the popula-
tion, often no ono has looked after
them.
And yet these poor little waifs to-
day represent the future of Franco.
These war orphans aro a large part
of the material of which the French
nation must be rebuilt.
WHAT MADE SALT LAKY SALT. .
l-iow Expert Geologists Explain he
Change In It.
There was to time when the great
lake in Utah, United States, was
fresh. This is the belief of the ex-
pert geologists of the country. They
say that the first lake which occupied
this basin appears to hate been fresh.
The climate seems to have changed
from relatively humid to arid. An uri,1
climate allows much evapot'atinn, and.
with the climatic change the evapora-
tion from the hake took ant -inure wa-
ter than was given batik to it. As the
water evaptn•ated•and the level of the
lake lowered the mir:rid matter whi,•!t
is held in solution was !eft b,•ltitsd,
Salt was one of the stile tsn(t.s, left,
The s ,i ,e •
u1t nc-s mcrensed and the lake
became a salt lake.
After the arid elimat,:.ane a pe-
riod of humidity. The intake cxceedea
the out -take. The lake roes and at
length overflowed. An uutiet Was
fouiul through the Snake [titer to the
Columbia, hitt the continual inflow of
fresh water and outflow of the diluted
water, according to .Professor Seth/ -
bury, resulted in the lake hemming
flash again The expand,•, lake of
fernier lime iu this basin is known
'r Lithe c Ilr ance tile, which was 17,041)
square miles in arca.
Again the ululate bnante arid, un-
til
tete surface of the lake nutrlt below
its outlet and the water grew more
and more saline. Gradually Lake
Tiotmeville became s0 t trhu(ed that it
only covert. 12,000 squat miles all
!.old and Was only fifteen fate deep.
The water become saturated with salt
and Brent quantities of mall were de-
,rnstic'd,
Being Kind To Her.
A colo+:el's wife, who is doing real
nursing at a certain London hospital, I
was recently offered a tip of sixpence :
by an honest old couple in gratitude I
for her tare of their soldier -son, Tact
personified, she slipped the sixpence!
back into the father's hand, saying,!
smilingly, that nurses weren't allow-
ed to accept gratuities,
"Oh, that'll be all right, sister. I'll
not say nothing about it.. ,lust take
it, and get yourself a drop o' gin in I
your off -time!"
The largest settlement in Greenland ,
has a population of less than 800
'iLliitioaclA.xi. cotaloa
I
Misleading.
The unfortunate man had been in-
duced to relate a portion of his life
history.
"I have seen changes," he said.
"Once I was a doctor with a large
practice, but owing to one little sill)
my patients began to leave me, and
now I am juet living from hand to
mouth."
"What was the slip?" was the na-
tural question. -
"It was a slip of the pen," he said.
"In filling in a death certificate for
a patient who had died, I absent-
mindedly signed my name in the space,
'Cause of death.'"
IF YOU DON T FEEL
011, I FEEL P$ET t
HELLO Mk, DUFF -
' NO CIlARLEY-
1"Hl?N 6l CAL! Eh DocloR SAt-IG S1U13 -
lit: GIVE ME �9Of.L' Mei11CNe - ME
GEY VtOR51;- GOING TO DtE - LIMEBL
CA s 6 `I
CALLEt Doc5(0 NAMci cl1AN 3- µE GU'T
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