Equitable Aid Union Advocate from Wyandotte, Kansas • 1

Ufa PRUDENCE, EQUITY, TEMPERANCE AND UNION. PUBLISHED AT KANSAS CITY, MISSOURI, AND COLUMBUS, POSSYLVAIIA, BY DR. W. D. 6ENTBT.

TERMS: $1.00 Per Tear, in Advance, OCTOBER 15, 1884. VQL. VI I NO. 4. our possibilities for growth and for good membership reach, say 0,000, and your SPECIAL FEATURES OF THE E.

A. U. questioo at once provokes the following reply, which we offer to your reason; If its characteristics are such as to gain endowments come upon you at tne rate Is there anything savoring of exaggeration in this position? Is it not equally true, that the jrood we are able ot a thousand a year, (think ot a tnou Blue Mark. The blue nark around this notice means that yor subscription expire wiih this number, and that if you wish the paper continued, yoit must renewv Please do so at once. sand assessments!) in addition to your members aad hold them, then the prob lem! ia solved reeardmer its perpetuity, mortality claims each year, bow, we ask, to accomplish as an organization, the blessings we are competent to Address Delivered Before the Grand Uniou of the State of Sew York at llornellsville, by Supreme President I).

A. i Dewey. The whole secret of stability, of permanency, lies-just here baa it the power of extend, iustlv to be meas can your members be expected to stand up to the demands upon their pockets?" "What incentive will these members, after receiving their endowment, have to stand by and help pay the rest? Not ured by the length and breadth of the attraction audi cohesion needful to bring In the above figuring we lave puit the very worst side out for the order as will be readily seen thus; I haw supposed we start with 50,000 members, and that, therefore winen. ex actly eleven years haVepawstd, there will be 1,000 of 65-year members to take care of, i. the half that are Living- While the facts cannot show but a small proportion of that number to receive endowment during the first year after the expiration of eleven years from ouar organization.

For illustration at the end of our first year's existence as an Order, we had on record only twenty members- past sixty-four; at the end of our second year we had added forty who were past sixty- BES0LUTI0NJ OF SYMPATHY vast patronage available tne young, me middle-aged and the old, of both sexes? much. They'll take their little pile and We entreat vou, that in the contempla go west and buy land. And the rest of tion of this subject, these important in members and bold tuem when ini youa- better' judgment answer. We wouM ask, what is its reasonable promise as compared with kindred The-authors of this system claim it a a right, that it sWuld be an improvement upon its predecessors not because of its superior ability, but because of the aimplo'factof having the experience And Respect Adopted by Ellery Union. No.

39, E. A. September 13th, 1881. you can whistle." Such are the posers put by some, many of whom really think, while others affect to think, that our endowment ia a dangerous and ruinous feature. ef others as a guide and a foundation Let us now look candidly at Ellery, CHAtrTAC-Qtu Cb.T N.

Y.r September 30, 1884, It had been- a busy week for the harn- characteristics be not lost sight ot. But, you ask, "how is it that you embrace all this wide range of ages with safety to all, without financial iniury to any?" The answer is: Kight here lies the chief of the grand beauties of our system. Disparity of ages does not in the least jeopardize "Equity." Our plan of gradation removes all disparity of interest. The amount of insurance is pro rata with age, the calculation being based upon the expectancy of life, according to the records of American Jlr. President, Fellow Citizens and Mem: berg of the Equitable Aid Union We find ourselves assembled in this spacious and beautiful ball to-night, un--1 der circumstauces and conditions as important as they are impressive.

You have concluded the work of organizing the Grand Union of the Equitable Aid Union, of the State of New York, the first in the history of the order, and we hope and trust it may be as enduring 'us time. While your best energies have been directed to the consummation of the greatest possible good to the future growth and prosperity of the Order, it is pleasant to note the harmony that has pervaded all your work. Your counsels and deliberations have esters here in our pleasant and the other side. Let ns see if the above questions are answerable upon rational grounds. Let us see if the above arguments against our endowment are all the- harvesters of grain had laid aside tour.

Onr first 10,00 members contained 135 who entered the Order between sixty-four and sixty-live Still another view must be given this subject; that, just exactly in proportion ns our assessments are enhanced on account of eiKlowmcnts, in that proportion will our assessments be diminished when the policy comes to be paid, of the member who received one-half thereof in the form of endowment. Who fails to see tne siciae on that Beautiful eabbatli day (September 7th, 1884); but not so with the Almighty Gleaner. He. on thatdav. upon which to' build.

It is most cheerfully, heartily and unreservedly conceded that even the-existence of the Equitable Aid Union is due to kindred associations. We would therefore, if we eould, pluck one single star from the bright galaxy of their glorious achievements, or lay one obstacle in tho way of their future march to- fame God speed their good work. May millions- in the future, as thousands have in the past, by dint of good judgment nnd love to kindred, be led to accept the boon these Heaven-born institutions place within their easy reach. valid. First We derive the funds for the payment of endowments from assessments upon the members at.

maturity thereof, precisely as we do pay death claims. And the member receiving his called our beloved sister, Jennie Rhodesj tc- dwell with Him oa high. experience; hence, in a financial point 01 view, all ages nre the same no old. no the death of Sister Rhodes our Union has-lost a beloved sis young thought, beautitulas it is true. this important point, in extenuation of we admit titty diiterent ages, viz: jo her husband a devoted companion, and her children, a kind and lovinir been guided by admirable ability and with an eye single to the promotion of to C5 years.

Ono dollar rate of assessment permits a range of policies from tue endowment scare 1 Who fails to see, that it can cost no more to pay a debt by paving half to-day mother; be it endowment, continues to PV the same assessment as before, during the balance of his life, and at death receives the other half of policy. Hence thero is no sinking fund needed as a preparation for the payment of endowment, any more than for the payment of death claim. Resolved. That while we deenfv mourn and half day after to-morrow, than it the loss, We bow in humble submission, to the prosperity ot the Urder in general. We may, 'therefore, very reasonably predict that this Grand Union a stepping stone to others soon to follow and Him who doeth all things well." Double Assessments Nos, 62 nnd (53.

The assessments collected by the subordinate-aecouatants during the month Resolved, That we avmnathize with iseconu' the silly man who said that does to pay it all to-morrow? The same amount of money has got to be taken from your pocket in either way of doing it, except just this and please mark the fact: the member that receives the en these nappy experiences, will mam an epoch in -the history of the Order, the $3,000 down to S00, varying according to the age of the applicant. Ages from 15 to 21 desiring to pay one dollar at each assessment get a 83,000 policy which is the largest amount admissable. At twenty-one years we commence to grade giving a smaller insurance as years are added and expectancy diminished. That the principle may stand out more clearly to the bereaved family, and point for consolation to Him who was her comfort and your endowment will ruin your order in five years, so eager was he for our de equal of which, for grand results, has not guide. struction, forgot that no endowment can dowment pays one assessment himself Aiinerco Deen experienced.

This public installation of the Grand Betolved That our Union chamber ha mature short of eleven years aa our thereon. Again, consider and then please Officers, who are to serve you for the cur answer: expectancy siirnities average oldest member is entitled to eleven years of life and should the prayers of this draped iu mourning for a period of thirty days as a symbol of our esteem of her noble qualities. ending October 10th, has been called into the Supreme Treasury, and will be received and paid out to the families of the following deceased members during the month of Claim No. 34(5. N.

Link, Burlington Union No. 303,. Burlington, Kah. age at initiation, 60; No. of policy, date of policy, May 11, 1881; date of death, June 2G.

cause of death, hematuria; contributed to benefit fund, $84.00. life i. one-half of nil our members will reach it. and one-half will fall short. HesolveU, Ihat these resolutions be rent year, puts the finishing touch upon this grand work and now, to the end that you, who are here as representatives, 1 'and all others interested, may return to vour homes and to your constituents more Now, I would ask, from which half are we to expect the greatest strain reeard- spread upon the record book of our Union nnd a copy be presented to the bereaved envious man be answered and the endowment prove impracticable onr insurance without it will be as good aa any of the others.

Why not? Bo in any event, is a failure of our Order to be feared on account of the endowment? ing our treasury the half that die be family. Sakah thoroughly imbued with the fundamental principles of our system, it has been sug- fore the endowment period nrrives nnd draw the whole amount of benefit at Ann Claim No. 347. Louisa Sandahl, Sand Creek Union No. 883, Jordan, Miun once, and have necessarily contributed gested that your attention be directed, for a few moments, tj the consideration age at initiation, 5C; No.

of policy, of a few of the special features of our hut little? or the half that live out their expectancy and only ask for half their money then, and the other half at an in date ot policy, December 31, 1881; amount ol policy, date of 'order. And should it turn out to be practicable, as we have found' no valid argument against its complete practicability, then its achievement for good must be accepted as one of the lirst blessings of the age, as it enables people of small means to secure a help for self and family dur We will try to be brief, and by way of definite period beyond, and all their death, June 28, 1SS4; cause of death, gastritis; coutcibuted to benefit fund, preliminary, ask you to go back with us, additional months and years, contribute $72.00. mentally, over a period of a little more to the payment of every assessment, both view, take the age ot 21, whose expectancy is 41.53 years and insurance 3,000. Now for the mathematical calculation: If 45.53 years affords a policy of $3,000, what will one year do? We find that a division of 3,000 by 41.53 gives us a quotient of 72 in round numbers. From this it appears that each of the 41.53 years secures to the insured $72, being equal to $3, 000 for all his years of expectancy.

Let us look at it in figures, that even school children may under, stand it: Age Expectancy Policy For each year. 21 41.53 83.000 $72 years divisor dividend quotient So it is, for each and all. Your policy is 72 times your "prospective years. the oldest age. (55, expectancy 11.10 years, multiply by 72, equals $800 less 80 cents.

Go through the entire list of ages, multiply the. years of expectancy by 72 and you have' the amount of insurance each age is entitled to carry on a dollar rate of assessment. If this figuring fails to make clear the practicability and perfect fairness of ing lite as well as at death. for endowment and death losses Claim No Fall River No. 242, Fredonia, Kansas; age than rive years.

We find, actively and faithfully en Third Here we will try to illustrate the endowment as it will turn out in at initiation, 01: JNo. of policy But here some one says, when he has got his endowment ho will quit! No person, who thinks before be speaks gaeed in the pursuit of their legitimate callintr, the Ancient Order of United practice. And in doing which, we will date of policy, April 12. 1881; amount of policy, date of death, June 27, 1884; cause of death, ulceration Workmen; the Knights of Honor; the make use of no overdrawn picture by means ot a purely mathematical calcula- of bowels; contributed to benefit fund, will ever make so silly a charge; and even a fool will never make it but once! Such a position is hardly worthy of an answer, yet we will give it a lew words. A man at 23 years tion show, that the time never can come when on account of the endowment, the $44.00.

Royal Arcanum, besides several other Fraternal Beneficiary societies, amongst whose members were found the authors -of the Equitable Aid Union; and to whose minds arose the questions: "Is Claim No. 349. Amelia Munn, Sharon weight of assessments will be intolerably union xNo. sou, Miaron, Mige heavy. will have 40 to add, making him 03 years there not room, and demand, tor still First When we pay an endowment, of age at maturity or endowment, and at initiation, 43; JNo.

ot policy, date of policy, April "22, 1882; amount of policy, date of death, liquidate half the debt the other half will then receive $1,450 being ono half another Fraternal Beneficiary Association? "Have those now existing reached remains to be paid indefinitely later, according to the lifetime allowed the mem his benefit. Now, if he is willing to contribute, during 40 years, to receive July 1884; cause of death, cancer of such a degree of perfection as to preclude possibility of improvement? Do their hor which maybe one or may be twenty uteri contributed to benefit fund, $51.20. Claim No. 350. Rebecca North, Gen terms admit all who desire and are years, the longer of course the better, be associating together the young, middle aged and old if still there nre skeptics, young people who, think they are not having equity meted out to them, on account of the extreme old ages, wo will 450, how long can he afford to pay to receive as much more? And what are the probabilities of this man, when he has reached C3? Just twelve years.

If ho essee Union No. 187, Alexander, Stephen Committee! The Author of all belng'in His infinite wisdom, has deemed it best to permit the soul of our esteemed brother, Stephen Wilson, to pass from this world, while his mind was clouded by sickness, into one of eternal rest and happiness; VVuei.eas. Ia. the death of Brother Wilson our Union has lost a respected member; therefore, be it llcsolvci, That this Union offers its-sympathy to the- relatives and friends of. the deceased Resolved, That the members off our Union wear mourning badges at all our, meetings for a period of thirty days as-a.

symbol of our esteem of his noble qualities. Resolved, That a page of our record; book be set apart Ufxin which to- place the death of our brother. Resolved, That a copy of these resolur-tions be presented to the mother, also the-brothers and sisters of the K. R. Jacob Emma Committees Death of Bro.

George McBride. of, Moad-vllle, E. A. U. 349.

September 24,. 1884 At the last regular meeting of. this Union, the following- resolutions, were adopted: Resolved, That whereas it has pleased Divine Providence to remove- from, this world of care and trouble our beloved Brother George McBride, a resident of Bryn Mawr, Montgomery Pennsylvania, and whereas it becomes our duty to tender a lasting tribute to his memory, therefore be it, Resolved, That we tendeo his- family worthy of the benefits they offer to their cause the more will be contributed by age at initiation, 58; No. of pol members: While we would not indulge in word him to lighten the burthen of assessments upon the shoulders of his fellow mem icy, date of policy, March 11, 1881; amount of policy, date of bers. still further illustrate as follows: Take for example or thought disrespectful of, or damaging could afford 40 years of draft upon him fo: $1,450, it would seem like a very unwise decision todrop his insurance, when death, July 1, 1884; cause ot death, can Age, 32 to 33; expectancy, 3a years; cer of rectum; contributed to benefit policy, assessment, 81.00.

But. to the calculation let us proceed, and see where it will land us. Let us see whether the endowment will result as an inducement to drop out or remain fund, $48.00. Claim No. 351.

Annie M. Pealiody, Atie, bi to bo; expectancy, 11 years; he has a promise of as much more for an investment of less than one-third as much, fio, my friend, you will have to trv again that argument falls, as do all others, which have yet been attempted to policy, $800; assessment, 11.00. Middleton Union No. 282, Middleton, in. hi age at initiation.

36; No. of lotal years or expectancy, 3d; total insurance, $2,400: total each assessment, policy, date of policy. June 1(5, $3.00. Suppose we have 50,000 members in our Order. Then as we extend over a period of fifty years of life receiving as we do, fifteen to sixty-five years of age 1882; amount of policy, date Ot death, July 17, 1884; cause of death, cancer of stomach; contributed to Do these figures need explanation? We think none will fail to see, that while we expect from an equal number of vou nit and old members, to lose more of it is but fair to suppose that we will have 1,000 members of each age to make up harm tne Equitable Aid Union.

1 know that, for myself, I can most faithfully assert that the endowment is the attractive feature in it, and will, in my judgment, in years to come, operate as a most potent lever, as an irresistible power, to induce our members to "stand by the ship." To illustrate this position, let us suppose we carry a two thousand dollar insurance in two organizations. In all benefit fund, $37.00. Claim No. 352. Rhoda Grennell, Prattsburg Union No.

251. Prattsburgh, N. age at initiation, 45; No. of policy, 12,856: date of policy, March 2, 1882; amount of policy', $875; date of death. July 30, 1884: cause of death.

the old, we can afford to. This mathematical illustration demonstrates that we ought to lose three of the sixty-five year members to one of the thirty-three without complaint anywhere. Are the the 00,000 membership. We sail along' smoothly for eleven years certainly, before there can be any trouble on account of endowment when, by lapse of expectancy, we find the first thousand endowments to be met. Report shows, however, that 500 of this thousand are dead, and the full amount acute spinal meningitis; contributed to ages not equal, the insurance equal, and amount paid equal? Then where is the cause for complaint? Where the objec respects we feel satisutd with them both.

There is no difference in the stability. benefit fund, Claim No. 353. II. Guppv, Beaver their beneficiary certificates have been tion to the association of old and young, our sincere sympathy and condolence.

Both make us feel secure and certain that, should death overtake us, our family will reap the reward of our honest toil. socially, educationally or financially? Falls Union No. 854. Beaver Falls. age at initiation, 48; No.

of policy, date of policy, March 29, 1884; amount from the figures it will be seen that Jicsoivca, bat our charter be- draped in mourning for thirty Resolved, That a copy of these reso to, the above or any other order, we may be permitted to inquire, is it not a notorious fact that they all close their doors against more than one-half, the people who need and desire benefactions similar to those they claim to bestow? We make this reference merely as a demonstration of the emergency justifying the creation of the Equitable Aid Union; and to show you that it was not created for speculation, nor devised in a spirit of antagonism to other orders, but as a co-worker in the cause of humanity; therefore, notwithstanding the diversity of opinion; notwithstanding the cry raised and reiterated loud and long, that the country was amply supplied with fraternal beneficiary societies; that ''some of them must go to the wall;" 'they cannot all be supported it was felt by a few that another was needed one that should be broad enough and liberal enough to embrace within its philanthropic folds all the worthy applicants -who might come knocking at its doors for admission to a social home and protection within its God-given brotherhood. The work of creating such an order was -undertaken, surrounded by conditions not of the most flattering character, and it may well be said that the E. A. U. "was born in a manger." The incentives to its existence lay in its needs and the material in the people; of both these elements, there was ample supply, especially in view of the fact that the ladies were ready, only waiting opportunity.

When it was decided that the ladies should compose the "Better-Half" of the Association, that they should be made at least equal to the "lords of creation" by whom they had hitherto been ignored, prohibited' from participation in these grand schemes of mutual protection, that moment success for the Equitable Aid of policy, date of death, August the three old members are entitled to as many years of life in the aggregate as the one young member. That the three 1, les4; cause of death, suicide; con The only perceptiblo difference in the two is, that one oilers you half the money if you live out your allotted time, and the balance at death. The other promises tributed to benefit fund. $9.00. lutions be presented to the family of our deceased Brother, and published in the E.

A. U. Advocatk, and spread in tho minutes of our Union. Claim No. 854 W.

O. Frost, LeRoy Union No. 398, LeKoy, N. age at old ones carry the saiiie amount of insurance in the aggregate as the young one, and that in their eleven years they will pay out as much on assessments as the faithfully liquidated. We meet now the living 500 members, in all their diversity of condition, of finance, of health, of poverty, of wealth, of emaciation or vigor, ef miiiil and body.

They come to us with the luster of hope in their eyes, and with hands extended to receive the timely aid, the promised contribution of one-half our obligation to them. They have been faithful to their fellow members have answered promptly every call upon them for eleven years, in aid of their stricken brothers and sisters their day of usefulness; for labor in the support of self family, in short, their ac- 1 initiation. 58; No. of policy, John Proy-kit, Stephkn RoesiTER, Mrs. Lano, Cbmmittee.

only help to your family when you are dead. Now, the time comes when your circumstances will not allow you to carry so much insurance, and you are inclined and perhaps forced to lay down a part. Then comes the time for weighing them in the balance, nnd if you are a voung one will in thirty-three years. 1 be three old ones pay three dollars at date of policy, March 10, 1882; amount of policy, date of death. August 5, 1884; cause of death.

contributed to benefitfund, $74.00 Claim No. 355. I. W. Hooker, Scio each assessment, while the young num ber pays one dollar.

Haviusr paid as Death of Sister Ben Kawe, of Cot considerate and dutiful husband as Union Jo. 138, Nno, age at initiation, No. of policy, most husbands are you will hold an much, let them receive as much. Jt is a fair and square deal, and there is no legitimate' reason why this umbus, Pa. At the regular meeting of Columbus- date of policy, September 1, 1880; amount of policy, date of death, interview with your wife.

She and you will advise together upon this important business matter, and after duo considera Union No. 1, the folio-wins resolutions. were unanimously adopted: August 9, 1834; cause of death, typhoid fever; contributed to benefit fund.54.00. tion will decide which certificate to sur Whereas. It ha pleased our heavenly- blessing should not be enjoyed by old and young alike, since no interest is impaired, and a world of immeasurable philanthropy extended thereby.

render. Father to call from our Union our vounjr Claim No. 356. Hev. H.

W. Warner. and faithful sister, S. Bell Rowe; there The very emphatic verdict you fore, be it Last, but not least, allow us to invite Steel City Union No. 207, Steel City, Nebraska; age at initiation, 2(5; No of policy, 12.8G0; date of policy, March 7, 1882; amount of policy, Rtfolveil, That while we deeply regret will receive from your wife will be: "Let us keep the one that offers help while vou live.

We may very vour attention to the endowment feature our loss we feel that it is her live lye ami me ruuowineiiE jou have promised, and for which they have a right now to ask, is their last hope, without which, who dare draw the picture! Then insurance, the staff on which they are leaning for aid, when the end comes, must be laid down. When doctors and undertakers come to close the scene acd that is not the worst they must not only suffer the want of food and clothing, or what is worse, dependence upon the charity of the public, or lodgment in the poor house. Thank Ciod, it is not either! On their policy $800 (supposable average) 400 each is given to them, according to conl ract, and they go on their way rejoicing can pay for their bread, anil can continue to pay their assessments, of the Order, whereby we are enabled to and would humbly say, "Father, piuch need it." Your answer will be: make provision for life as well as leath; by virtue of the fact that it authorizes th tiavmentof nne half of the amount I think so too." A thousand dollars date of death, August 9, 1884; cause of death, scarlet fever and pneumonia; contributed to benefit fund. $40.70. may help us more in our old age, when Claim No.

357. Alice B. Brecht, we can work and earn a living, than $2,000 after we are dead. A thousand dollars may, at that otherwise dark time, be the sole" means of enabling us to carry the balance, so as to have the blessed life-civinir assurance to live upon, that a If. it thy will be done." Resolved, That in the death of S.

Bell Rowe we have lost an efficient Sentinel, a true friend and sister no, not lost, but gained, a sister in the realm where-Unions are never broken and parting are unknowa. Resolved, That wo extend to our worthy President our heartfelt sympathy, as this dispensation of Divine Providence has deprived him of a loving and devoted wife; to our Suprems-Treasurer, as it has removed from hisalieady broken home circle, his affectionate, and only daughter; to our brother who has lost a loving sister; also to all the friends and relatives who mourn. rhlldrvn of our FMher! Weep not for tbos who pa hike now leavwi try ly seat t-n-l. Like dew drops ftmi tw rrara. Ay.

took not donri in airiness. Out tlx your Ka on hiirh: They only lr4l ibcir mantles Their fouls cu Beverdie." Union became doubly assured. In fact the history of cur order, as well as reason, teach us that the time had come, that public sentiment was ripe for an Association whose doors should be open alike to both sexes, a grand social system, comprising life insurance alike to all, to the end that the ladies may be tiermitted not only to 'ride the and enjoy, generally, the social blessings of home in the lodge room, but tn reciprocate in the right of benefits. While the wifj and mother realize the duty, t-he fchould not be deprived the right. ti protect her children and her husband.

How does this view of the case present itself to this assemblage of people? Is there, or is there not, room for the E. A. V.I Does not this combination of the sexes afford us double the material for membership sdmissable by orders consisting of males only? Certainly.then, we need have no fears as regards material with which to build and expand our Order. to say nothing of the twenty years of lift, older and younger, thaa received by other order, a'l of whi eh not only doubles but trcb'es of the "benefit certificate to all mcmliers who outlive thejr expectancy, the balance at death. The period of expectancy contemplates "old ge," and consequent 'disability," hence the need, as well ai the justice of help to such as remain steadfast faithful to their obligations during all their allotted years.

Such is the blessed "endowment." We should inquire, bow does it strike you? We seem to bear a hundred voices proclaiming, "Yes! a grand and glorious feature if only practicable. But where is the money coming from to pay the living? While the poor of the order are having almost more than they can do to support dependents and answer calls on account of deaths, how can they be expected to do more?" "Your "endowment will bring assessments upon you so fast when they begin to mature, that your members can't stand the pressure, and, as a result, will all drop out." "llow can you expect, should your Byrams Union No. 371, Pigeon, age at initiation, 22; No. of policy, date of policy, August 8, "18S4; amount of policy, date of death, August 16. 1884; cause of death, typhoid fever; contributed to benefit fund, $1.00.

Cbiim Not 358. Wm. Q. Look, Forest-ville Union No, 23, Forestville, N. age at initiation, 62; No.

of policy, 003; date of policy, February 27, 1883; amountof policy, $900; date of death, August 20, 1884; cause of death, fever; contributed to benefit fund, $20.03. Claim No. 359. S. N.

Lawrence. Sardinia Union No. 42, Sardinia, N. Y. age at initiation, f4; No.

of policy, date of policy. May 5. 1880; amount of policy. date of death, August 9, 1884; cause of death, malarial fever; contributed to benefit fund, $114. Claim No.

W. French, Maple Union No. 225, Boston, N. age at initiation, SO; No. of policy, date of policy, January 11, 1883; amount of policy, date of death, August 21, 184; cause of death typhoid fever; contributed to benefit fund, 3 i thereby insuring $100 more to pay the last demands of life and death upon them.

Now comet the weight upon the organization. Five hundred members must receive $400 each, during that year, to satisfy the first batch of endowments. Can we stand it? is the question. What is the amount to be raised to meet it? Five hundred times $400equals 1200,000. How much for each of our 50,000 members? Fifty is contained in 200 just four times; hence each member must pay $4 that year in aid of endowments just SI each three months; in short, 33 cents each month.

Will this hurt us? Who would not willingly pay that amount, more, or even twice that amount, and let the tax commence to-day, even, if need be, fdr the sake of having this bleswed decent burial awaits us, and possibly a little left, to help somebody that has stood by to smooth the way. Now, a9 your decision is, so will be mine, and so will be that of thousands of others. And, as standing by an institution of this kind is what holds it up and together, what inference, I ask, may be drawn from the above reasoning, retarding the perpetuity of our organization? Is there any other conclusion to be reached, than' that the one mot attractive to patrons, is the one most likely to endure? Endurance is no small consideration in the premises. Now, after a careful and thoughtful consideration of tho plan and conditions of the Equitable Aid I'nion, think we hear yon say: "Well, honor bright, i promise, in our benefit certificates, of a Two thousand dollars is not a fortune, as fortunes come and go in the present age, but when it is all a widow can call her own, it is as much to her as a million dollars, to a Wtll street king, and will bring her much more happiness. nart of our minpv while we nur live- that looks well, it presents sissy new to come to ns at that precious time when and very attrarti ve and valuable features; oar need may be so great? I the grett question is, will UUver This.