The Nonpartisan Leader Newspaper, April 4, 1921, Page 14

- ADVERTISEMENTS Buy byMall-Save Money' Here is another remarkable series of values. You can save a great deal on all your purchases for the farm or home b¥ buying from our new complete St. Paul Store. These are only examples of the thousands of surprising bargains in our big cata log. Order direct from this ad. Give article number, color and size, Remember 49 of do %endablo merchandising and our guarantee of complete satisfaction insures every Lowest Prices Ever Offered on arvensive LLRES Over :]: :mlhson ffit‘ffied users oftthte {nmouul mmthis do th quality, So that you may satisfy yourselfon vrem thatJou order one, two, three ory‘:mr of these splendxd tires. Give ‘them a they do not satisfy §ou in every will be glad to refund your money, Every Riverside Fabric m'e 18 znamnteedfullG.OflOmlesservke. We recommend Road Grip Tread for rear whee!s—a sturdy, gripping. thick tread covered with Imndreds of non-skid angles. he Drivmg Tread, with center groove design is very suitable for front wheels, NOTE THESE PRICES = we uk #Clincher style only, Shipping weight. 10to 17lbs. We ¢ rthwhile unounu on all of your auto Auto supp‘y suhgp‘l‘;guezjgag: e fi:gfio lssueéi a catalog :t l‘%tg :utppUel which we will be very send you a copy. oday. Bwk FREE }:cfor Auto Supply Book. PAINTS FENCING Dep‘enltliabll]e Covesall l»louaw:l };gmt %ds:geln:éa P R'cEs nEnucEn mbine ure wil e :ia;:. lingeed flff&fd g%her ingredients. One gal* Pflnm Fem—z in, mesh lon covers about 300 sq. ft. Choice of 30 colors, % Ask for TSDYTILS. S0 gal. bbl Our netting carefully manu Ship, wt. 850 1b factured. Uniform mesh, p Fer gal double selvage. Does«> SDYTTIS—§.Cal. Can. Shin: | not sag or bulge. Tough | COVERALL BARN PAINT | Steel wire. Thoroughly Made of wear-resisting pig- | §alvanized. Rust re-2< gisting. 36inches hi i ment and oxides Four col- ors. Yellow, maroon, red or § Ship, wt. 36 1bs. Ask for . § 184DV5325, Price per glatei bAbslk é%r. 175DV7722 Jubvaes, % 5 gal. bbl. Skip. ale wt 751bs, Pergat. $L83 | eal CLIMAYX | Women’s Service Shoes Combination The comfort u;d wear of this soft, brown k leather shoe for women Sfllufiflns ] will please you. Very dur- Sprayer Fitsany (Sml bucket or oak | Dry lime sulphur, Kills ! :S{:ed Lf,‘.‘,‘,‘,‘f;,“"énfi.?‘ggj sucking and scale insects, Reinforced vamp. In §| Can be arrel perates same @s ordinary pum| p Throws solid stream about 40 feet. ’"en‘ifif&mfb::?,:fi:’; phur, Meets government Combination nozzle, mthar OT coarse spray. ] reqmrements. Dissolves in bft“d‘f:gf’] g?ztzgozm':: Water Adheres to foliage. toothnse Shlp in| welzht :~ 9. Wid ith’t' zs l}: .' ’ 11 pounds. S‘? % Price complete % add water. 60—1"1b, 047. ship. wt. 13§ Ib. 4lc. 53DV7161 -5 Ibs. Price $7.25 50, GOV Saiba $5.25 SO0X 13c Weofier a po‘pholzr finced me: Spraylng Work Shirts Here is an ideal work shirt—one that will give extra wear and comfort. Mater- ial—closely wov- SPECIAL Overall and Jacket, Heavy weight. white back indigo blue. Made with triple lock stiched seams, Extra full cut garments. Regular coat | en . style jacket, detachable | seams double buttons. No. 42 22, stitched. Made nrpenters’sty)n f‘“”*u:?.,l& 0“““5 No sion neck band, 42DV One et. Cut | Price.cuuesses fig a'fns“’ .wt. V645. Now The opening of nawNorflaWenhme at St. Paul ODg 't‘grzegree your orders andabig savingon m{ninhtlnd express. It us to eight days nearer to yw lnd numerous interurban this industrial Anyitem weizhing 4 ounees or ess can be sent by parcel “fot one cent an ounce. for any p! pose, same as - liquid s:lx- ! Why Not Study Up on Fire Insurance? (Continued from pagé 6) the 26 per cent turned back by the private insurance company. In all the classes of business listed above, it will be noted the insurance companies charged rates high enough so that they could keep two-thirds of their collections—fire losses requiring only one-third of the premiums. But in the cases listed above the in- - surance companies were dealing with unorganized individuals —. farmers, city home owners and churches—while the vast majority of the stores cover- ed under the heading “Mercantile” were small country storekeepers, little better organized than the farmers. But when we come to other .classes of business we find quite a different situation. Under the heading “Public Buildings” (exclusive of stores and manufacturing estabhshments) we find that the insurance companies col- lected $339,393 and paid $266,614, or 78 per cent, back in losses. If the claim of the insurance companies, that they must have 45 per cent of collec- tions to meet expenses, profits and re- serves is true, then this business was written at a loss. For insurance of cereal mills $224,- 569 was collected and $120,236 paid out, a percentage of 53% per cent, so the insurance companies just about broke even on this business, while they made a big profit on the farm risks. But if we take up a few classes of really “big business,” we find the in- surance ‘companies operating at an actual loss. BIG BUSINESS CARRIED AT LESS THAN COST In the class headed “Miscellaneous Manufacturing Risks” fire insurance companies. in Minnesota collected in premiums in 1919 $737,021—and paid losses of $814,668. Instead of losses "being 55 per cent of premiums, they were 110 per cent of premiums. In 1919 fire insurance companies of Minnesota collected $347,856 from lumber yards. Their fire losses were $677,314. In other words, the fire in- surance companies paid back to the lumber yards $330,000 more than they collected. -Finally, in the class entitled “Rail- way Risks,” it is recorded that the fire insurance companies in Minnesota during 1919 collected premiums of $30,179 and paid losses of $178,710— nearly six times the amount of money collected. Who paid for these excessive losses ? The farmers, owners of small city homes and small country storekeepers, whose rates were two or three times as large as they should have been. Why do lumber companies, big manufacturing concerns, the owners of big dwellings and railway risks get such favorable rates that farmers and small city home owners have to pay their losses? Do you suppose it could possibly b because the banking interests that control lumber yards, railroads and other interests, see to it that the in- surance companies give their proper- ties better rates than they deserve? If that is not it, then what is the reason ? JANUARY 10 LEADERS WANTED The Leader is completely out of cop- ies of the issue of January 10. We are still receiving numerous calls for copies of this and other back issues, which we are furnishing free of charge. Readers who want to help us in this work can do so by sending us their copies of January 10 when they are through'with them. L % PAGE FOURTEEN » ADVERTISEMENTS Glasses FREE On Trial ifieally round "Ttue Vision' gglmel. NoMoney My large size “True Vision” glasses will enable youyto gd the smallest m'mg thread the finest needle, see far or near. They il ot your preventmgcyestrmn and headaches. They ekrly Bt 5. dissance oF close b by oy NGt oF 2 or close up, by day lig] lamp light. Note y you can read the fine rint in your Bible. You be amazed and de- ted. Sit right down this ver{'mmute and fill out the Mail it at once. Your postman will deliver in a beautiful velveteen lined, spring-back pocketbook sgictacle case, poste age p! cost. now, CHICAGO SPECTACLE HOUSE Dept.SA110, 1462 West Madison St., Chicago, Il muumllll!-lmmmul|um:mm|lulullun-nnmlmnnummnnmmnmm-— Use This Coupon! cago Spectacle House Dept SAllo. 1462 West Madison St., Chicago, Ill. Gen tlumen:. —Wlthont cost or obligation, send me a r 10-karat gold filled, size *‘Troe 8 hcles complete; d a fina leathereete. vel teen ninul &f&cu eue.plf w'fll e lasses 10 % decide to keep them I he gl d you $2.95. len you L s ldonct'ln them, lmllntumthem thereis to <charge. How old 858 JOu...ccnwee. How many years have you used .glasses - (if @nY)L..... cccccvvereerersrenen, ovesies Double Shoulder Yoke Extra-Fullj Across Chest: Reinforced Gusset Order raro, Dotk LIV ER Y GH AR 0 anotherbig saving. All 8 shirts $2.29. lee'neck;in.n‘ pes FERNARD.HEWITT 3 COMPANY Medflmfl'ons ons of Hay Per Hour Brldlmfl. Neb.,