The Bismarck Tribune Newspaper, August 6, 1919, Page 4

PAGE 7 THE BISM ARCK TRIBUNE prepared. It is still true that “the chain that holda| posal ttl at ba itera es Entered at the Postoffice, Bismarck, N. D., as Second Matter. GEORGE D. MANN, - = - = + + Editor Foreign Representative: ia G. LOGAN PAYNE COMPANY, CHI . . . - DETROIT, CAGO, Marquette Bldg. «2 2 Kresge Bldg. PAYNE, BURNS AND SMITH NEW YORK, =- - 1 = Fifth Ave, Bldg. MEMBER OF ASSOCIATED PRESS The Associated Press is exclusively entitled to the use for publication of all news credited to it or not otherwise - ited in this: paper and also the local news published erein, All rights of publication of special dispatches herein are also reserved. MEMBER AUDIT BUREAU OF CIRCULATION SUBSCRIPTION RATES PAYABLE IN ADVANCE Daily by carrier, per year............+ «$7.20 Daily by mail, per year (In Bismarck) 7.20 Daily by mail, per year (In state outsi k) 5.00 Daily by mail outside of North Dakota.. 6.00 THE STATE’S OLDEST NEWSPAPER, (Established 1878) —— BORROWING OF YOUR BANK The Bank of North Dakota styles itself “The Bank of the People of North Dakota,” which is a nice-sounding slogan. If you are one of the people of North Dakota to whom this bank belongs and you wish to make a loan you must deposit with your application a fee of $5 per thousand. Whether you get your loan or not the bank gets your money and keeps it. Your application for a loan goes to Mr. William J. Prater, commissioner of university and school lands, and it is up to him to say whether or not you shall get the money. The law says positively that you can’t borrow from the Bank of North Dakota if there is a big mortgage on your lands which cannot be paid off in.full from the proceeds of your loan. In other words, if a money shark is eating the heart out of you with big interest and you’d like to get enough from the Bank of the People of North Dakota to cut down the principal just a little it can’t be done. Until further notice applications for loans on farm lands only will be considered. If you are a rancher or the owner of city real estate you may as well save postage. If you own some good farm land upon which you can give the Bank of the People of North Dakota a clear and clean first mortgage, you can borrow of the Bank of North Dakota just like you can from any other bank, if it’s all O. K. with Mr. Prater. The loan will cost you six percent, but you will pay seven percent per annum, and at the end of thirty years you'll only have four more instalments to pay, and when you pay them in a lump you will not owe the bank anything. In the meantime you will in interest have paid the bank 204 percent on the original loan, and when you clean it all up you will have paid $3.04 for each dollar you borrowed,, not including the $5 per the slave has its other end fastened to the mas- ter.” ‘ There is vital need of cool, co-operative study, and firm administration of what such a study shall show to be justice, apart from the heat of race prejudice and selfish interests. If this is impos- sible then the fates must drive us on until we are ready to so act. FATHER AND SONS Girls seem to be better than boys—that is, bet- ter in those qualities which we grown-ups admire in children, The reason may be in the fact that mothers are more in the nature of companions to their daughters, while the father is more of the relation of boss or commander over the sons rather than one of full confidence and companionship. Fathers usually give the command to do or not to do. A daughter becomes a companion of the moth- er both in household and social duties, and she learns to do or not to do more by way of sugges- tion and experience. A father in his business life is either a boss or is bossed, and he takes the spirit of command home with him—to his boys at least. In a boy being commanded not to do, there is very often suggestion to do; ‘for we can all remem- ber that when we were told not to play with the beans—that we might get them in our noses, and all of which started a grand rush for the bean bag as soon as our parents were out of sight. Of if a boy is told by his father not to play with firearms—that he will either shoot himself or his companions. The boy’s curiosity is awakened, he gets pos- session of an old cast iron revolver, shoots it.off a few times, and if nothing happens, and usually it does not—why, he loses confidence in his father’s judgment. : If the father would take the boy out with him in the nature of a companion, shoot the gun with him, the boy’s curiosity would be satisfied in safe- ty, and it could at the same time be explained to him that all precautions in handling firearms are taken against the law of exception—that no chance can be taken in the matter of loss of life— that which cannot be replaced. A good many fathers are making a very intel- ligent study in the art of salesmanship in their businesses. . The same study in its results would apply at home in the guidance of their sons. Goods are no longer sold by commanding the purchaser, nor by a stronger will predominating over a weaker one. thousand: fee which you pay whether you get your loan or not. Figure it out for yourself. It’s your bank. It’s the Bank of the People of North Dakota, and its resources are estimated at $32,000,000. :A BLACK TRAGEDY We celebrate this year with riots and shudder- ing, the tercentenary of the landing of the first cargo of negro slaves upon this continent. Like the Erinyes of a Greek tragedy the negro never ceases to avenge his terrible wrongs upon this nation. His forcible importation has become the eternal symbol of inhuman brutality. He was robbed, wronged, beaten until he brought a war that nearly destroyed the nation and poured out white blood in floods to compensate each drop drawn by the lash. Even then the most terrible legacy of that war was not the ruin it left, but the almost passive instrument of vengeance constituted by the emancipated negro. The Abolitionist thought to solve the riddle and propitiate the fates by conferring liberty, citi- zenship and a portion of education upon the for- mer slave. The dark chapters of reconstruction show that it is not so easy for a man or nation to escape the furies their sins have conjured up. We know now that as the south was not the only sin- ner, so it alone cannot pay the penalty. Out of reconstruction came the sectional poli- tics of the “bloody shirt.” “Solid South” was met by a solid north. While the citizens of the two sections refought the Civil war, national re- sources were looted and the problem of predatory wealth created. Presently came a new exodus toward the North Star, an exodus of negroes from the south to the north. Employers during the war artificially ac- celerated this exodus to smash unions and reduce wages. This fanned the slumbering embers of race hatred into flickering flames. When political tools of the predatory interests in northern cities organized the criminal element among the negroes, encouraging the vicious and debauched in return for votes, graft and valuable privileges, those flames were fanned into terrify- ing conflagration. tt | Ignorant, vicious, arrogant and insulting in the rebound from cringing submission; crowded into plague-ridden, disease-infected, vice-ruled slums, where constant immigration compelled ex- pansion, it was inevitably written in the book of fate that the negro should some day burst these bonds of locality and visit upon society the brutal vengeance there hatched. Driving him back into the slums will not stop the course of the tragedy. Holding him down with Goods are sold on “reason why”—by the sales- ‘Stock insurance.companies are not permitted to sell workmen’s compen- sation insurance to North Dakota em- ployers ‘after ‘July 1, 1919. But if they were they could not provide this insurance at a lower rate than is pro- vided iby the state fund. These com- panies would be compelled to quote rates at least 25 per cent to 30 per cent higher than the state fund rates; for the reason ‘that these companies would be compelléd to pay their agents all the way from’ $17.00 to $25.00 of every $100.00 in premiums they col- lected for getting the business, where- man appealing to the pleasure of profits to the prospective purchaser—appealing to his self-in- terest. Why cannot the same appeal be made by. the father to his son? Why not apply the suggestion “do” with the “reason why,” as in the case of good salesman- ship, rather than the command “don’t.” And reason has more force in companionship than by commandership. ! What the private thinks of those who were leather from the knees down depends on whether they were ivory from the ears up. President Wilson appears to have neglected to include a plank in the league of nations covenant supplying a gag for Col. George Harvey. eatin WITH THE EDITORS — FOR DISTRICT JUDGE This week a petition is being circulated for H. L. Berry, of this city, for one of the new judges recently created under the new Nonpartisan Judi- cial Redistricting law. One petition is being circu- lated in this vicinity but it has been kept very quiet. Wm. Connolly asked the circulator if he was refused the privilege because he was not a Nonpartisan. The circulator who, by the way, is a Nonpartisan organizer, said that none except a Nonpartisan could sign the petition as they wanted this man appointed by.a petition of Nonpartisan voters so that he could step into the office with no strings tied to him to favor anyone. The whole thing presents a peculiar aspect. H. L. Berry is a practicing attorney here and has not been here long enough to be very well acquainted out among the farmers—he is probably better known in town, but the petition has not been generally circulated here. It would seem that those better acquainted with him would be called on first, but no, it is placed on a class plan when a petition for this ap- pointment is circulated. We do not know how well qualified H. L. Berry is for the position hut we do know that whoever employes these kind of tactics, when it comes to picking a district judge, has very poor judgment if they believe in the majority of the voters expressing their opinion. If any man in office should be fair and square it should be a judge and in this case it is the adopting of most unfair tactics from the very start. Does it seem to you that H. L. Berry will have to cater to the Nonpartisan league or to the people in general, for this appointment ? Possibly this is being done without Mr. Berry’s knowledge and of course in that case, we could not troops will but prepare a more lurid chapter. Nc padroft Whetithe'fates have deerTeibune, = as the fund. entirely avoids this cosi. These insurance copanies would have to pay dividends to eastern and Euro- pean stockholders, whereas any divi- dends created by the:fund sautomatic- | ally revert ‘back to the employers. These companies have to maintain their expensive home offices, witi their highly paid officials; each of the presidents of most of such companies are paid as much in’six. months in sal- ary as the North Dakota workmen's compensation ‘bureau is allowed to/ cover over a period of two years with which to administer the entire fund. The North Dakota fund not only conserves the foregoing expenses, which the stock insurance companies seem to find it necessary to incur, but the fund also avoids many duplications of work and lost motion in payroll audits, claims adjustments, etc., which these insurance companies would find necessary. The fund ‘is required to bear the expense of the administra- tion. The fund, in other words, is going to provide this workmen's com. pensation. to the North Dakota em- ployers at absolute cost eliminaling all elements of profit, commissions to agents, dividends to stockholders, high salaries to home office officials, ete. ; We may state, ‘that if the stock companies provided the North Dakota employers with this workmen’s com- pensation, their rates would need to be at least from 25 per cent to 30 per cent higher than the rates of the ‘North Dakota fund. Expense of Administration. The expense of the adminis‘ration of the fund for its first year of opera- tion, will necessarily be the heaviest, due to the expense incident to install- ing the plant, the working out of its many technical problems, its rates and rating system, the departmental sys- tem ard forms, the purchase of its files, office equipment, furniture, ma- chines, wherein many - expenditures must be made which will be in tie nature of permanent investments. With insurance companies, the ex- pense of their first’ year of operation is frequently equal to their first year’s premiums, due to the foregoing condi- ee es LEMON JUICE | FOR FRECKLES Girls! Make beauty lotion for a few cents—Try It! eee re é 4 Squeeze the {nice of two lemons in- to a bottle containing three ounces of urebard white, shake well, and you have a quarter pint of the best freckle ana tan lotion, and complexion beauti- fier, at very, very small cost. Your grocer has the lemons and any drug store or toilet counter will supply three ounces of orchard white for a few cents. Massage this sweetly fra- grant lotion into the face, neck arms and hands each day and soe how fleckles and blemishes disappear and criticize him for playing an unfair game.—Kill- how. clear, soft and sory-white the skin becomes. Yes! It is harmless and never irritates, t THE NORTH DAKOTA WORKMEN’S COMPENSATION ACT b y COMMISSIONER L. J. WEHE tions existing within the first year of operation. Just what the expense ratio of the fund will be for the first year of its operation cannot be determined until the volume of tne premium collections can be ascertained; ‘but it is going to be exceedingly low compared even with the established expense. ratio to earned premiums of 40 per cent of the Nability insurance companies., After the first year, the bureau expects to administer the fund at an expense ra- tiq not to exceed 10 per cent of the earned premium of the fund, which is one-fourth of the expense ratio or 40 per cent of the . lability insurance companies, This would make the in- surance company rate over 40 per cent higher than the rate of the North Da- kota fund, (considering 60 per cent as the loss ratio of each). Computation of Rates. The North Dakota rates have been computed by one of the country’s fore. most actuaries, Mr. Emil E. Watson, actuary to the Ohio industrial com- mission. He computed the manual rates now used in the state of Ohio, and also the manual rates now being used in the states of Idaho and Mary- land. Besides this, he was called in in consultation as to the rates charg- ed the United States during the war period by private compensation com- panies to recompute the rates covering certain lines of public industries. It was through his efforts that the Unit- ed States governent detected the great. frauds that were ‘being perpetrated upon the United States by collecting enormous sums and premiums away in excess of what should have been charged by these private companies, in order to make a legitimate profit. DAMP CLOTH | He saved the government, by his com- putations, in one instance something over one million five hundred thou- sand dollars. The bureau contracted with Mr. Watson to install and com- pute the rates for the North Dakota workmen’s compensation bureau for the sum of $3,600.00, which consider- ing the services performed and also che number of. computations to be made} coming close to some 1,400, the price | for the service rendered is moderate indeed. For like service the {daho industrial commission paid him the lump sum of $5,000.00. Mr. Wat- son is an exponent of the state fund insurance system, and is willing for that reason to perform the services re- quired in the installation of a fund system like ours, at a much ‘more rea- sonable compensation than could have been obtained anywhere else. In fact, if the bureau. had gone to New York and hired Miles Dawson, or some other eminent actuary, the price would have been in all liklihood about $10,000.00 for the computation and compiling of these same_rates. Motives of Criticism. The' criticism that has been’ direct- ed at the North Dakota workmen's compensation law and also the bureau has been done more from ill-motives than from a sp‘rit of fairness. At no time has the opposition press been fair, reasonable and honorable in its treatment either of the bureau or of the law as passed. The whole proced- ure has been to condemn the bureau and to condemn the law before either have had the opportunity of having had a reasonable or fair test as to whether ‘the same is a good and rea- sonable law and will function prop- erly. No employer in the state of North Dakota who has complied with the act can be sued in the courts as a result of an industrial accident. An employer complies with the act by paying into the fund the premium called for by the premium advice sheet, and thereafter promptly mak- ing his adjustment and renewal pay- ments at the end of each year of his BY CONDO RC cs Figo ve I Hohe “RAD SUPPER) 26 + BLOWER COURSE, BEING A WOMAN, You. WI WANT ‘To KNOW EVERYTHING WE HAD. anne WELL, TO BEGIN WITH, WE RAD—--"" "COME OVT IN THE KITCHEN TILL L GGT A You_NEGDN'T Teck MS WHat YOU HAD ——T SGC SAMPLES ON YOUR VEST OF EVERYTHING You HAD }! WEDNESDAY, AUG. 6, 1919 DOCTOR AINSED HM TO TAKE IT A. F ‘Roberts, Successful Cattle Deal- er, Gains 16 Pounds In 60 Days Taking Tanlac. “One of the best doctors in Colo- rado advised me to take Tanlac, and it has not only overcome my troubles but I have gained sixteen pounds since I began taking it sixty days ago,” said A. F. Roberts, who lives at Rocky Ford, Alberta, Canada, a few jays ago. ¥ Wr. Roberts is one of the largest cattle dealers in his section of the country, and betore moving to Can- ada a short time ago, he had spent most of his life in Colorado, U. S. A. “I can now understand why Tanlac enjoys such wide popularity both in Canada and the United States,” con- tinued Mr. Roberts, “and since it has done me so much good, I know that it is a very dependable medicine and de- serves all the praise that is being giv- en it. For the past two years I have suffered from stomach trouble, and when I commenced taking this Tanlac, it was almost impossible for me to re- tain anything I ate. I was very nerv- ous and never got a good night’s sleep, and finally got so weak and rundown that I wag hardly able to get about. I often had dizzy spells, and was bothered a great deal with constipation. “My physician certainly knew what he was doing when he prescribed Tan- lac for me, for it has done the’ work for me, as I am as healthy and strong now as I ever was in my life. In fact it has done much more for me than I expected it would do. I have a fine appetite and everything I eat agrees with me perfectly, and I never have the slightest sign of stom- ach trouble of any kind. I am no long- er bothered with constipation, and never have those dizzy spells any more. I have regained all my strength, too, and that nervousness has left me, and I sleep like a log every night. In fact, I am simply en- joying perfect health again, and I give Tanlac credit for it all.” Tanlac is sold in Bismarck by Jos. Breslow in Driscoll by N. D. and J. H. Barrette and in Wing by E. P. Ho- man. Advt. —=————S insurance period. The employer es- timates his payroll at the beginning of each year’s period of his insur- ance. At, the end of that year, he furnishes his actual payroll on pay- roll report forms provided by, the ‘bu- reau.. If his estimated payroll. ex- ceeds his actual payroll, the fund owes him the difference in the prem- ium so‘ created, which will ibe credit- ed on his next insurance premium; whereas if his actual payroll exceeds his estimated payroll, the employer owes the fund the difference,-and will be required to pay an additional prem- ium covering this difference into the fund. : Penalties: for: sNon:Compliance. Every employer who does not com- ply with the provisions of the act is subject to certain penalties and: for- feitures which are provided by tue act. The law is compulsory and every employer is conipelled by its terms to take out this insurance. If he fails to comply with the act, he is denied the defense of the fellow-servant rule, the assumption of risk, and also of contributary negligence, ‘besides other penalties, Then, again, if an employee is injured, he may elect to bring his claim to the bureau for.a hearing, and notwithstanding the fact that the em- ployer has not complied with the pro- visions, the bureau will proceed to hear the claim just the same as if the employer had subscribed to the fund. And will make its award just in the same manner and immediately af- ter the award has been made, give the employer ten days notice in which to comply with the award and pay the compensation, and if the same is not complied.with within that time by the employer individually and out of his own pocket, the bureau has the right to assess as a penalty 50 per cent in addition thereto of the amount of the award, which may tbe recovered in an action in the name of the state against the employer for the benefit of the person entitled to the same. “The North Dakota act has: extra- territorial jurisdiction, which means that the North Dakota law follows the employee out of the state. That is, if a North Dakota employer who has complied with the law, hires an em- ployee in North Dakota and sends him to do work in another state, the law will follow him into that other state and will give both the employer and employee protection. while there dur- ing the time the employee is perform- ing services covered by the insurance | certificate. Tribune Want Ads bring results. Bad Sickness Caused by Acid-Stomach Itpeople only realized the health-destrosing power of an acid-stomach—of the many kinds of sickness and misery it causes—of the lives it literally wrecks—they would guard against it as carefully as they do against a deadly plague. You know in an instant the firsteymp- toms of acid-stomach: ins of indigestion; distressing, paintul bie sour, gassy stom: ach; belching; food rei ing; heartburn. etc Whenever your stomach feels this way you ebould lose no time in putting it to rights you don't, serious consequences are almost sure to follow, euch as intestinal fermentation. auto-intoxication, impairment of the entire nervous system, headache, biliousness, ¢ re rhoeis of the liver: sometimes even catarrh o} the stomach and intestinal ulcers and cancer. Tt you are not feeling right, see if it isn't acid-stomach that s the cause of your ill health. Take EATONIC, the wonderful mod- ern’ stomach remedy. 'EATONIC Tablets quickly. and surely relieve the pain. bloat, belching, and heartburn that indicate acid- etomach, Make the stomach strong, clean ‘and sweet: By keeping thestomach in healthy condition so that you can get full strength from your food, your general health steadily improves, Results are marvelously quick. Just try EATONIC and you will be as enthu- elastic as the thousands who have used it and Tiss. they never dreamed anything could ing éuch marvel relief. ‘Sot et a big 50-cent box of EATONIC from your.drugelst today, If not satisfactory re- ft and be will refund your money, ONIC 4 ¢ % OM ' —— % ‘ “ mi A Gp aw oe “ - ~ ee «SM > * ® » 7 ) fi is A. # . ; os, | | 4 d 4 é % } i oe: \