The Kansas Fraternal Citizen from Valley Falls, Kansas • 5

The Insurance Borrower shaping the mind of a child. By Ella Wheeleb Wilcox. Protection Without Speculation is the Pride and Goal of Fraternalism. to make her children what she desires them to be if she begins early enough and keeps at the task day after day. A child's brain is being built the first fourteen years of life, and it is the mother's privilege to direct the structure and awaken the noblest and most admirable qualities by giving the thought exercises.

Each thought which passes through a child's mind is leaving its physical impress on the brain and making that thought easier to occur again. Pa ve the way for good and great thoughts. pennies to patronize the shoestring vendors, and to water the little seed of sympathy which you have planted in his heart. When you see a carriage with docked horses wearing the absurd and cruel overcheck, say to your children, "I would rather be poor my whole life than to be rolling in wealth and driving horses with mutilated tails and cramped necks. Those foolish people think they are obliged to do those things, and I am sorry for them as well as for the animals.

They are slaves and do not know it. Some day the world will grow wiser, and human beings will learn there is no happiness in what hurts any living creature." When you meet beautifully attired children, say to your child, "They are loved, but can not be loved any more than you are and I am sure they are no happier than you and I. For all As you walk along the streets with your children, what do you think about? Are you calling their attention to the shop windows and sighing to think that you cannot buy all the beautiful things displayed to whet the appetite of adornment? Do you reply to their importuning for toys and articles of clothing by the statement that you are "too poor" to buy these things, and then do you follow this remark by exclamations and admirations and envy over the handsome equipages, with richly gowned occupants, and say, "It must be lovely to be rich." If this is your method of entertaining your children, it would be far wiser to leave them at home. You are edu- INVESTMENTS. OUR "KID" PICTURE GALLERY The interest in a member should not cease with his death; his family should hold our interest in more ways than one.

If they are not members they may more easily be persuaded to join, but our interest should not end or center in that alone. There are so many of our members' families who have no one to whom to turn when they receive the insurance money, and consequently the protection which was so thoughtfully provided, has been lost through unwise investments. There are so many sharks and so many wild cat schemes to catch the unwary, and the basis of proper investment is so little known, that the best advice seems to be to suggest the placing of any surplus in a savings bank at four per cent interest until such advice as can be relied upon shall be forth-coming. If the beneficiary will then endeavor to add a little to the bank account, even as the insured, each month putting something away, or when they could, they would find that the saving habit was growing on them, and their future prosperity would be assured. Before investing, one should endeavor to understand the proposition one's self, and not be led away by roseate declamations on the part of some interested party.

ADA HOLLAND Is a member of Columbus Assembly No. 62 and at the time of her initiation was probably the youngest member of the society, being but fifteen years and five days of age. She carries a $3,000 policy in favor of her parents, both of whom as well as one brother are members of this Assembly. Kansas Workman. Thank God you can't borrow a penny.

Your certificate isn't worth the paper it is written on as security for the smallest amount of money known. The opportunity to borrow money on his policy is one of the catchy privileges set forth by the agents of the old-line Companies, and it appeals to our fraternal members who run up against times of special stress and need. Why not borrow on the fraternal certificate? For one reason, because such a course would tend to defeat the very object of fraternal insurance the protection of those who otherwise would be left destitute. The average member of a fraternal insurance society docs not realize that he is not paying the excessive commercial rate that the old-line policy holders pay. If the K.

F. C. charged the same rates then perhaps such loans could be made, but we would not be furnishing actual cost protection, and even that protection would be jeopardized, and by so doing we would be conducting a speculative investment concern, juggling with the future protection of a man's family. The average fraternalist needs to know that when a company makes him a loan on his certificate it simply loans him a part of his money excess money. President Kingsbury of the Equitable Life recently spoke against the principle of the "insurance loan," saying that it was profitable for the company, but that more than 90 per cent of these loans were never paid back and that consequently the families of those borrowing policy holders were robbed of protection.

In other words, it is a well-known fact that men who have old-line policies and who, through dissipation or shady investment transactions, are brought to a time of need of money, seek at once the insurance, borrow all they can and leave their families to take the chances of the future; this is an everyday experience. It is a very godsend to the average man that he cannot borrow on his certificate. That fraternal membership is for the protection of the family, not to foster selfish indulgences. "Protection without speculation" is the pride and goal of fraternalism. Men are not asked to take fraternal membership for speculation or investment, but for family protection.

It is not for a man's own financial aid, but for the aid of his family when he's gone. The certificate does not mature until he's gone. It is valid and worth 100 cents on the dollar the day membership is completed and it may mature into the gold of the realm the very next day, through the death of the member; but that's the only way it can mature. Get the idea of "protection for your family" firmly rooted in your mind, and you comprehend ex-actly the fraternal insurance idea. If you want to speculate, you can't do it with a fraternal certificate.

If you want cash dividends for yourself you can't get them primarily through the fraternal certificate. It's the family protection see? True, there are old age and disability benefit provisions in the fraternal certificate whereby a member himself may be financially aided in times of misfortune and distress relief funds are always available through lodge channels for both a man and his family; but primarily the fraternal certificate is protection pure and simple for a man's family, so -guarded that he may not dissipate it, and he can forfeit it only by his own act. ASSESSMENT NO. 10. Payable in September, 1913.

eating them in discontent, jealousy and a false idea of what constitutes happiness. You are awakening a precocious longing for wealth and display and creating those "class distinctions" which so many good people declare are created by the "sensational newspapers." Suppose you take a walk tomorrow with your children and direct their minds in other channels. Call their attention to the number of people trying to earn a decent living trying to avoid being classed as beggars by selling shoestrings and feather dusters and other trifles on the street. Indulge in a little talk about these vendors. Speak of the "sandwich" man as not an object for ridicule or fun, but as a brother human being, who is doing the best, as far as he sees the way, to get through this complicated life as we find it in large cities.

Then give your child a few happiness must come from love in your hearts." If you see a starved looking dog or cat on the street, speak of it with sympathy, and, if possible to do so, let your child buy a few cents' worth of meat from a shop and feed the homeless animal. If you see a man or boy pushing ahead of women through doors or into cars and stages say to your boy how sorry you should be to have him so rude. Impress upon him the necessity of politeness and courtesy in public places as an attribute of manliness. Thank him when he opens the door for you or steps aside for you to enter a car or when he rises to give another a seat. In all these small and simple ways you can be giving your children the foundation for a most valuable education.

It lies within the power of the mother To All Members of the Kansas Fraternal Citizens: The By-Laws provide in Section 24, page 6 (January, 1913, revision), that each member shall pay one assessment, in each calendar month, according to the rates fixed by the same section. The amount to be determined by the age of the member at his or her initiation. Section 22, page 10, provides that the current assessment shall be paid by each member to the secretary of the Assembly where they hold their membership on or before the last day of the calendar month for which it is levied. This is not a notice of the levy of an assessment, but simply calling the attention of the members to the provisions of the by-laws by which an assessment is levied on each beneficial member for each calendar month. The number of the assessment for September, 1913, is ten, and must be paid to the secretary of your Assembly on or before September 30, 1913.

CALL. For Assessment No. 10. WHAT YOU ARE PAYING YOUR MONEY FOR. You will remember that it was said by our opponents that we would not ba, able to pay a single death claim; but instead we have paid twelve claims in less than nine" months, not only in full but more promptly than any other society.

Here is the list: Date. On Death of Location. Cause of Death. Amount. 2-20-13 Sophia Miller, Great Bend; pneumonia 5- 9-13 Oliver P.

Cooper, Cherryvale; inflammation of brain and 1000 5- 9-13 Chas. Jones, Baxter Springs; pneumonia. i 2,000 5- 9-13 E. W. McMurry, Turon; accident, farm 3000 6- 18-13 John F.

Northern, Kansas City; pneumonia. 1000 8-13-13 W. P. Booker, Caney; 3,000 6-18-13 R. W.

Milner, Chetopaj aortic regurgitation. 1000 6- 18-13 F. H. Coffey, Pittsburg; accident falling timbers 2,000 7- 9-13 C. A.

Boyl, Latham; cardiac failure. i'ooO 7- 14-13 J. A. McPherson, McLouth; stomach trouble. 2 000 8- 13-13 Geo.

W. Lyons, Olathe; dysentery and heat prostration l'oOO 8-1313 S. A. Felton, Neal; cerebral hemorrhage 500 Total claima paid To All Local F. You are hereby notified to forward to the State Secretary one assesment and one month's per capita tax for all members in good standing in your Assembly at the close of business, September 30.

1913. Pass reports with remittance to cover the above must be in the State Secretary's office on or before October 10, 1913, as provided in Section 51 of the By-Laws..