The Nonpartisan Leader Newspaper, November 3, 1919, Page 17

" 000,000 come under the plan. State Hall Rlsk Rate Is Cut Farmers to Pay Only 25 Cents an' Acre for Protection, In- surance Commissioner Announces. ° Bismarck Bureau, Nonpartisan Leader. ORE than $5,000,000 has | been saved for the farm- - ers of North Dakota in state hail insurance in the first season of its operation as compared - to what the insurance would have cost them had tlrey obtained it from pri- vate corporations. In the words of. Governor Lynn J. Frazier, this explams why the in- surance compames got together not long ago and raised a slush fund of $1,000,000 to fight the Nonpartlsan X league. This makes it clear why it is that when you scratch an insurance man’s back, be he ‘officer or local agent, you will find an anti-Leaguer, —4a man who will fight the organized farmers to the last dltch His graft is endangered! North Dakota farmers have waked up to the fact that their insurance against hail loss is going to cost them only 25 cents an acre, plus the 3-cent tax -on all tillable land. In other words, the whole cost will be 28 cents an acre, of which 25 cents is the as- sessment. And -this is in the worst year for hail losses in the history of the state! On the other hand, had the farmers got their insurance from pnvate com- panies, $7 an acre would have cost them 10 per cent, or 70 cents. - No one was more surprised than the administrative officers at the capitol =~ @@ by the remarkable showing made by the department. S. S. Olsness, insur- . ance commissioner, has been estimat- ing that the cost to the farmer would be 35 cents an acre assessment. He was basing this figure, pendmg the re- ceipt of complete official reports from all counties, on the I. V. A, theory, as published in anti-farmer newspaper organs, that 50 per cent of the farm- ers had withdrawn from the privilege of state protection. “Had that estimate been correct we would have had only 8,000,000 acres to assess,” Mr. Olsness explained. “As a matter of fact the complete re- ports.from all counties except Moun- trail show that reports of 50 per cent withdrawal were gross exaggerations. Instead of only 8,000,000 acres to as- sess against, we have 13,000,000. . FARMERS TO PAY 25 CENTS AN ACRE “That easily cuts the assessment Out of 16,000,000 tillable acres, '}% e farmer will pay 25 cents instead of 85 cents. “The 3-cent tax on 16,000,000 acres means $480,000. The 25-cent assess- ment on 13,000,000 acres means $3,- 250,000, or a total of $3,730,000. “That sum will pay all our losses— record-breaking as they are—plus the administration ~expenses, which are merely nominal as compared to the heavy expenses of private insurance . companies, and leave us a surplus of $150,000 besides. Thus we come through the year with a saving of mil- lions to the farmers, plus the whole cost of operation and the appropria- tion made for starting the hail insur- ance department is repaid into the state treasury. “Now the story. would be entirely different if the farmers of North Da- kota had not organized to get a fair deal in their-own government. The private insurance companies charge 10-per cent, 70 cents for $7 worth of insurance. _On 18,000,000 acres the private companies would have taxed the farmers $9,100,000 for hail risks. They would have paid losses of less than. $3,730,000 because that sum in- cludes our own administration expenses and surplus. But granting that they paid out that much in losses, there still would be $5,370,000 that went into the coffers of the companies, or into the pockets of their agents and adjusters. I don’t see where any sane man can say that private interests can compete with that record for efiiclency—and' about the only argument that the-in- surance companies have ever advanced against . the state in the insurance business is ‘efficiency.’ Apparent]y the main efficiency of private insur- ance has been in gouging the people!” Mr. Olsness is of the opinion that the hail insurance law has worked so efficiently that there will be a demand that can not be heeded to make it compulsory in the future. Hereto- fore if a man did not want the state to carry the risk, he could withdraw. The most enthusiastic advocates of state hail insurance in North Dakota today are among those farmers, who, harkening to the “bear” stories of anti-farmer politicians and newspaper organs, withdrew from the protection the state afforded. In scores of cases these men withdrew only to be hailed out with a complete loss, while their neighbors, who had stood fast to'their original idea that the state was the proper insurance medium, “stuck” and had their losses replaced at a low cost. They, at ledst, got the cost of production out of their crop, while the farmer who withdrew had nothing but the experience of an “it might have been.” - 2 III\HIIIIIIIHIIII m SEND IN YOUR NAME [} - will tell you all about this cam- g ! YOUNG VEAL GOOD FOOD Until five years ago, meat of calves three weeks old or less was regarded with suspicion and was not regularly salable. It was believed to be indi- gestible, lackmg in nutntlon and not generally wholesome. This seems to have been an Ameri- can prejudice without any foundation, for it is a standard article of diet in Europe and no ill effects result there from eating young veal. The cases of meat poisoning resulting from the eating of veal have been shown to be due to poison-producing bacteria which contaminated the meat. Experiments conducted by the bu- reau of animal industry, United States department of agriculture, show that for food purposes, a pound of meat from a young calf is as good as a pound of the most mature beef. Fol- lowing the conclusive experiments, the federal meat inspection regulations were amended so as to permit passing carcasses of young calves which met with the amended requirements. There are more than 20,000,000 dairy cows in the United States and they produce fully 10,000,000 “calves every year. About half of these calves are heifers and the other half are bull calves. In the past the heifers have been raised by dairymen, but a large number of the 5,000,000 bull calves have been killed at birth, because the milk they would consume in being brought to marketable weight as veal was worth more than they would bring on the market.as veal calves. Under the present regulations, it will pay the dairyman to dispose of his young, well-developed calves for food. 1] mm\mmumn_, v . i \Wm“ m”mlll|||||||||I||||||||l||||||.|||||mu| umu!!!lll !"'llll Farmers of the Northwest. unusual prize list. Only people lxvmg on farms or GRAY, 1st Prize—Price $2,250. Size 18:36; four-plow_ Tractor. The Tractor with the wide drum drive, _conceded by all Tractor men to be an ufactured advance step in Tractor production. vester Co WATERLOO BOY, 2nd Prize— FORDSON, 4th and Sth Prizes— Price _$1,175. Size 12:25; threee Price S780, Size 10:22; two-plow plow Tractor. Drive wheel in fure Tractor. Henry Ford s own row with _center draft. Manuface tor. The most Tracm: tured by John Deere Plow Co. on the fields of the Northwest. No easier way, no away. We have one for you. That’s all that’s necessary to start “in this contest. Then I ictures rutora aign, and send you upnd descriptions of the and other u;;s to away. e t one m your nelghborbood tostart. . Write a postal today or send the information coupon .at the right, PAGE SEVENTEEN $8,000 in Prizes In the St. Paul Daily News Northwest Far- ““ mers’ Tractor Contest; the most momens=- tous and promising offer ever made to the Five high-grade reputable Tractors and scores of ua&ul farm implements and other valuable prizes, including manure spreaders, plows, cream separators, statlonary engines, etc., compose a most This contest is exclusively a farmers® contest. farm helpers will enter. All have equal opportunities. Here are the Tractors; they speak for themselves. TITAN, 3rd Prize—Price $1,000. There you are, five popular Tractors that have proved their worth Let one of spring. No money, but a little effort during the idle winter months, will bring you one of these labor-saving and money-making implements. better opportunity. We are giving these .--.---i--.......--.--..!- .=5 INFORMATION COUPON H. SHUGARD, Tractor Editor, The St. Paul Daily News Without obligating me in any way, send full particulars regarding the FIV E TRACTORS-you are going to B State..... ----------------------l,‘ : ADVERTISEMENTS ™ + __An astonishing offer. Beize it quickly. MUS!O WITBOUTNO 'ES! A sensationalsuccess W 1ano by this wondertnl new E 1?’6 53 g!t!'fi&: evel! youn ehfldrn le;m’qulckly Bero 1s your oppo! Don't PLAY PIANO one “o“r or Organ In Simp) No tewh uired, No oort:'np:nmg?mnlb mafl. No knowled . is remarkable boo of note music required. marked NDBED menm selections prin MUSIC. Sendnomoney. PLAY, PIANO NE Wo WAY popul i it S“fié':égn . .’if you wi tokeeptho payonly 6%ceach for the selectigns—special Inltprlcgto!orht.holo opwl:i‘:oaton 6!Noexg: structions tree with k. 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