The Western Jewel and Home Journal du lieu suivant : Topeka, Kansas • 8

'ttoU- a a jmi c.aiu.a jia.ai a ju a utu a-tt a n.i a K. AND L. OF S. )j Trarra a a it a. a-wa-w bid we- a nr a (tRpirv imna a -Ha a mit au mmt a-Mkauwatiu a nm a-m.

mjl i. a ff i-ai'-am. a uw a uui aoMitaivi.iauaui JiaB ONE ASSESSMENT FOR JULY. 18 Connells Organized in Jnne. 631 Medical Examinations Received in June, of how hard It would be for his family You feel secure in the to which you belong; you feel certain that your little ones will be cared for, because the Order Is all right, is a good one.

Others are also good. One Order does not contain all that Is meritorious. Then why oppose the organization of a Council of the K. L. of S.

Can It be that you see In Its Reserve Fund plan, that which will attract the best men of your town to Its Councils, and you will not grow any more Can It be that you Bee In the writing of both men and women In one grand Order that the future Is more bright for the K. L. of S. than it is for any of the other orders now represented in your city? Shame on you if this Is the motive which Inspires your opposition. If you have no better reason than these; If you have no more faith in the Order to which you belong; if you do not believe it will stand beBlde the K.

L. of then you had not only ought to encourage others to join It, but you had better abandon your own poor ship and unite with the others in building up an Order which is so grand. THE AGE LIMIT. Members will remember that after Aug. 1st, the age limit will be as follows Under 45 years, certificates will issued up to From 45 to 50 years certificates will be Issued up to $2,000 from 50 to 55 years, certificates will Issued up to $1,000, Members who have taken certificates which they desire Increased must act on It promptly.

Certificates can be Increased by complying with the forms prescribed In the national constitution. the end of the quarter the member Is suspended for non-payment of Reserve Fund. For Instance: The last quarter was charged members on April 1st, In old Councils, and In new Councils at the date of organization. That fund was paid prior to June 30tb, and Is sent In with the July remittance and keeps the member in good standing on the books of the National Council until September 30th, On July 1st a charge of twenty-five cents per $1,000 was again made for Reserve Fund, which members should pay In July, but must pay prior to September 80th, to keep In good standing, The per capita tax Is paid by Councils out of their General Fund, which Is raised by quarterly dues, ranging from seventy-five cents In some Councils, to $1.00 In others. No member who Is more than one quarter in arrears for dues can sit In Council until the same is paid.

If over six months in arrears they are liable to suspension. Financial Secretaries are urged to be prompt in making their returns. It faclll tates work in the National Office and enables quick settlement with beneficiaries. An Order loses standing that gains the reputation of being slow in paying Its losses, and the Knights and Ladles of Security want to avoid a reputation of that kind, and to do so Insists on promptness from the Subordinate Councils. J.

M. Wallace, Nat. Sec, TorEKA, Kansas, July 2, 1894. The accounts of the National Secretary bare this day been examined and found correct, and the money turned over to the Treasurer and his receipt taken for the flame. M.

S. Evans, Chairman Finance Committee approval of the men who have memberships in the Workmen, Woodmen and similar orders which have no reserve fund, and the general office is kept busy issuing certificates to new members and charters to new Councils. Over four hundred certificates were issued In May, and the new members admitted in June will go over the six hundred mark. In the two years of Its existence, the young order has gained nearly 5,000 members organized In 123 Councils. The doctor paid a glowing tribute to the work of the decoration committee, congratulated the two Councils upon their successful meeting and told a funny story at his own expense closing an Interesting and effective address.

The orchestra played another selection, and refreshments of ice cream, cake and fruit were served to all, the Chapman Knights and Ladies occupying the first tables. About two hundred people were present, and all seemed to enjoy the occasion to the utmost. The membership of Central Council feel much encouraged with the success of their meeting, and count the cost and labor that It called for as a good Investment. The following are the names of the visiting Knights and Ladles of Chapman Council No. 57: Mary Hoag, Chas, A.

Scherer, Wm. II. Hendrix, Jacob Bone-brake, Forest J. Poor, John Isler, Edward Bonebrake, Isabelle Boles, Julia Pierce, Elizabeth Isler, Martha Scherer, Geo. Scherer, Nannie Dillingham, Sarah Scherer, Mr.

and Mrs. O. L. Thisler, Chas. Pulver, Lydia Bennett, D.

B. fierce, L. L. Crain, 31. A.

Crain, 3Ir. and Sirs. P. I. Jenney, E.

31. Drain, II. G. Boles, W. R.

Cunningham, W. B. Banning, S. R. Iloae.

BALDWIN COUNCIL NO. 119. Baldwin Council No. 119, was organized at Baldwin, Kansas, Friday evening last, with the following officers: Dr. C.

E. Stephens; V. 3Irs. O. E.

Blake; 2nd V. Wm, Huff; prelate, John Blaney; corresponding secretary, 3Irs. Eliza Slot-ter; financial secretary, J. V. Walker; guard, Cicero Robinson; conductor, Geo.

L. 3Iotter. The Council starts out few in numbers but of the right material, and several of the most prominent people in town are going to become members in a short time. The commencement exercises and the closing of the school year for the university made it very hard work to put in a Council just at this time, but the seed is sown in good ground, and we look for a bountiful harvest in the fall. Yours in W.

S. A. 31. Russell, D. N.

P. SUBSCRIPTIONS TO THE JEWEL We want every member of the K. and L. of S. to read The ewel.

We would gladly supply them free if our general fund was sufficient to admit the expense of doing so. We offer the next best thing, and that Is to send The Jewel to any ad dress from now until Jan. 1, 1895, for seven cents. We believe the general fund of nearly all our Councils will ad mlt of a subscription for each of their members, and ask that the corresponding secretaries will call the attention of their Councils to the matter and have an order drawn sufficient to pay for The Jewel for each family represented In their Council. The ewel Is doing us good service and many new members can be traced to its Influence.

If any members wish Tns Jewel sent to their friends they can pay the seven cents for the subscription and the names can be sent with the Council list. All lists must be received by the 25th of uly, as we must place the order with the publisher about that time. J. M. Wallace, Nat.

Sec. OUR DEAD. We report the death of Sister Anna E. Clark, of Home Council No. 0, Osage City, Kansas, which occurred In New Mexico, May 29th.

Sister Clark was one of the charter members of Home Council, uniting with the order March 5, 1892. Her certificate was We also report the death of Bro. J. F. Cooper of Laclede Council No.

04, Laclede, who joined the order as a charter member on Feb. 6,1894, and died on the 18th of June. Ills certificate was for $1,000. The assessment Is called on the death of Sister Anna E. Clark and the claim of Bro.

F. Cooper will be paid from the surplus. This call covers all deaths to date and we know of no serious Illness among our membership. The order has had but four deaths in the first half of 1894, two of the five assessments called In 1894 being for deaths that occurred in 1893. We know of no other society that has had as few assessments this year and with the rapid growth we are having and will continue to have, we are likely to have but few assessments for years to come.

WHY THE K. A L. OF S. IS SUCCESSFUL. The Knights and Ladies of Security receive more consideration from the public than any society ever formed.

Its plans at once attracts the attention of business and professional men, and It is seldom that an organizer fails in securing on his charter list the names of the principal business men of the place where he forms a Council. That this is so is a fact, and It takes but little reflection to ascertafn the cause. Fraternal Insurance is no new thing. The history of one order Is the history of all. They have their early days when assessments are low, and the cost is so little that it can be carried without being a burden.

After ten or twelve years the assessments increase as the death rate becomes higher, and the double headers begin to make an appearance; few at firsti but gradually increasing until, when the society reaches its twentieth or twenty-fifth year they are not sufficient to meet the deaths, and a triplet is necessary to meet the increasing death rate. This, briefly, is the history of fraternal Insurance, and the facts are known by intelligent and well Informed persons. The Knights and Ladies of Security makes Its feature Its Reserve Fund. It asks of those to whom it is presented a careful hearing, and the result cannot be other than that it receives the endorsement of those who Investigate the plan We, in this Order, are but carrying out the principles that obtain among the successful In all lines. The history of fra ternal orders, with the lessons they teach, were before us, and the danger points they have met we have provided against.

Those who die in the order before they have paid their equitable part of the cost of paying their beneficiaries, leave part of the sum raised by assessing the members to help keep the assessments low, and as the years pass this fund will increase so that the doubles and triplets necessary in other orders to meet their losses will be paid by the interest of the Reserve Fund raised by the members of the Order, and raised, too, without excessive charges and on a fair and juBt basis. The thoughtful then join the K. andL. of because its plans are those which appeal to their judgment and which they know will be successful In accomplish lng the purpose intended. WHAT READING "WHAT A YEL LOW FOLDER DID," DID.

Wm. R. Sheen, than whom no one is better or more favorably known In fraternal circles, read the article in last months Jewel of What a yellow folder did, and wrote the national secretary saying he read of the forming of Wellington Council by the Hon. John T. Showalter, and he wondered what he could do in Lawrence.

While Lawrence was pretty well filled with orders he thought that to present the merits of the Knights and Ladies of Security to their citizens might induce enough to join to organize a Council. An answer was sent him urging him to make a canvass and assuring him that in as Intelligent a community as Lawrence, the educational Mecca of Kansas, there would be no difficulty In securing members If the plan of the society was properly presented The result has been as we anticipated! Bro. Sheen writes on June 30th that they held a preliminary meeting on Thursday evening with forty-two already examined and over seventy names on the charter list. He will conclude the organization on July 5th. DULY ACKNOWLEDGED.

Emporia, Kan June 25, 1894. Wallace, Topeka, Kansas, Dear Sir and Brother: I received to day from the National Council a draft for the payment in full of the $2,000 beneficiary certificate held by my lament Arena E. Smith, In the K. and of she having been a charter member of Emporia Council No. 20.

I can only epeak words of commendation and praise for" the promptness and dispatch In set tllng the claim as the money was re oelved promptly on completion of proofs of death. The amount of the beneficiary will be Invested for the benefit of the three small children and proceeds used In obtaining an education for them. Wish Ing success to the order, I remain, Yours truly in W. 8. and R.

G. Smith, Guardian. K. AND L. OF S.

SOCIAL. unction City Tribune, July 5. The Knights and Ladles of Security Is perhaps the youngest fraternal beneficiary order of the west, but it is a healthy youngster, built upon an improved plan and making an astonishing growth. Last fall J. M.

Swallow of Amerlcus, organized Central Council No. 54, In our city, and proceeding from here to the neighboring village on the west, organ-ized Chapman Council No. 57, with a strong and good working membership, The Council In Junction City was not large, also seemed to lack enthusiasm, With the idea of receiving needed Instruction In the unwritten work, and the impetus which such an occasion would give, an invitation to the Chapman Council to meet with our Council on Friday evening, une 29th, was extended. This was accepted by thirty-one of the Knights and Ladies of Chapman, and a very enjoyable and enthusiastic meeting resulted, A party of eight ladies came down on the noon train and were met by the reception committee with carriages, which were kindly furnished gratis by Mr. Mackey from the Park livery stable.

Another party came overland in carriages. Others caught the freight and arrived In time for the public entertainment and refreshments. As orator of the occasion, Dr. H. A.

Warner of Topeka, national medical director of the order, was invited to attend and explain the plan of the organization to the guests of the membership, who had been Invited to listen to the short program, partake of refreshments and learn of the order and its good work. The genial doctor rived on the 3:40 train. The hall was beautifully decorated with flowers, potted plants, evergreen boughs and the national colors by the committee having that matter in charge. In addition to the usual lamps, a locomotive headlight cast its dazzling beams over the festive gathering. At seven oclock members of the two Councils met at the hall and after some time spent In getting acquainted were called to order by First Vice President Hopkins, who, after the usual preliminaries, turned the Council over to the officers of Chapman Council who donned their robes of office and went through the initiatory service with C.

L. Linton, D. Shaw and Henry Huehn as candidates. The visiting officers were well up In their parts and the instructive ceremony was very impressively administered. At the conclusion of the Initiation, President St.

Clair assumed the gavel and called upon the opera house orchestra for music. This request met with a ready response, after which Dr. Warner was introduced and made a brief address, setting forth the necessity for and benefits to be derived from fraternal insurance in general, and that offered by the Knights and Ladles of Security In particular, the distinguishing feature of which is Its reserve fund. The greatest objections to the assessment fraternal societies is the fact that with age their liabilities increase and become a burden not easily borne by a large portion of their membership and with added years and members the orders become weaker instead of gaining strength. In the Knights and Ladies of Security each member contributes one dollar per year, per thousand of Insurance carried, to this fund.

At the members death fifty dollars per thousand is retained less the amount paid to the reserve fund during the life of the insured. In this manner the society does not lose by a death as the other orders do. Each certificate must pay fifty dollars per thousand Into the reserve fund, which is loaned on real estate security in the order, and the interest from these Investments will, when the occasion arises, pay the extra assessments, thus keeping the assessments down to no more than twelve In any one year, no matter how large the membership. This reserve fund feature meets the 7 in, NORTONVILLE COUNCIL No. 7.

The deadest of dead Councils in February last was No. 7. It Is true they would make their returns occasionally, but they were losing members constantly and it looked very much as though Nor-tonville would, In a short time, have nothing left but a memory of what might have been. They paid on assessment No. 1, the same on assessment No.

2. Knowing that no better country laid out of doors than that in which the beautiful little city is situated and that the people there were naturally progressive, we prevailed on Sir Knight Hola-day of Topeka, to take a run up to Nor-tonville and have a talk with the members, and as a result of several days stay, he initiated some four or five members, had an election of officers which had been neglected, and left them to their own devices. Assessment No. 3 was sent in, $14.50, and the then discouraged band of twelve now number ninety-one, and for assessment No. 4 remitted $61.50, and ere many months elapse will reach the hundred mark.

The growth of No. has been continuous; scarcely a week has passed without receiving medical examinations from there, and a standing remark In the office about the middle of each week is the question, Is Norton-ville In yet for this week? On Decoration Day they turned out some sixty strong, and we are told made a fine appearance and excited much favorable comment. Nortonville deserved a notice and we have twice written J. A. Engle, the corresponding secretary, to send one but it not coming, we tell of their success to encourage other Councils that are not working.

THE REVIEW OF THE MONTH. The month of June has been one of great growth both In the establishment of new Councils and In Increase of members In our organized Councils. ver six hundred new recruits have enlisted under the banner of the K. L. of 8., and have shown their wisdom in taking advantage of the security afforded by the order, and thus providing protection for their loved ones.

The new Councils are nearly all composed of enough members to insure growth, and from almost all of them we expect active, earnest work and a steady growth from the start. It has been particularly gratifying to us that the work In Nebraska starts off so hopefully. The Councils there are composed of the same representative people that have united with the order in Kansas, and the organizers report that the plan of providing a Reserve Fund meets with the same hearty commendation among the business men there that gained us so many business and professional men here. We congratulate our membership on the outlook and the phenomenal success that has attended us In our beginning is but an earnest of the thousands that will flock to our standard when the plan of the Knights and Ladies of Security is known and understood everywhere as it is at points where it has been introduced. New Councils have been established at Summerfield, Arcadia, Colony, Chanute, Osborne, Smith Center, Mankato, Burr Oak, Phllllpsburg, Baldwin, Alton, Lawrence, Ionia and Mulberry in Kansas, and at Odell, Liberty, Superior and Beatrice, and others are In course of forma-tion.

Every member of the Knights and Ladies of Security should have a Membership Receipt Book. The cost Is only ten cents each. Members, have your Financial Secretary order them. Address, The Western Jewel, Topeka, Kansas. QUESTIONS ANSWERED.

As questions are asked on various points which consume a great deal of time answering by letter, we desire all members of the Order to know, and when asking a person to become a member to explain to him fully. No certificate is in force until advance assessment is paid. In organized Councils a candidate is not Initiated until his medical examination has been approved by the National Medical Examiner. His certificate is given him at the initiation. When new Councils are organized the advance assessment is collected as soon as the certificates are received.

When a call is made the members receive notice to pay an assessment, f6r Instance: As sessment No. 5 Is called for July, the Financial Secretaries of all Councils will fill the blanks furnished by the National Council for the purpose, and hand them to the Corresponding Secretary, who, with the President, will draw an order for the amount due, and forward to the National Secretary on or before July 10th. The amount remitted will be for all members in good standing on June 30th, which, in old Councils, will be Assessment No 4, and in Councils organized In une the advance assessment. The Financial Secretary will give or send a notice to each member to pay assessment No. 5, which must be paid on before July 28th, or the member will be suspended from the Beneficiary Department.

A member suspended from the Benefl-clary Department can only be reinstated by paying his arrearages and having action taken by the Council If under sixty days from suspension. Over sixty days a re-examination must be had. The Reserve Fund Is charged up quarterly, and It is as necessary to make prompt payment of it as of the beneficiary. At WHY OPPOSE? We are surprised to learn of the opposition made to the organization of a Council of the Knights and Ladies of Security by members of other orders, at some points. Brothers of other orders, can you give a good reason for the opposition you have made at several places in the State? We have thought it all over, day after day, as we have received letters from our organizers, saying: I put In a good Council of the K.

L. of S. here last night, had thirty or forty, or fifty or sixty persons present as charter members, It has taken active work here, for the have fought us at every turn. Now can you tell why you did this You certainly are not so selfish that you do not want your neighbors wife and children to be provided for as you have done for yours, by joining the K. L.

of S. You have had your lodge In exlstance now for over seven years and have fifty members In good standing; you ought not to object to the other two hundred and fifty voters of your town doing for their wives and children what you have done for yours. Only one vote In every ten in the United States has any protection for his family In the way of life insurance. Think of It. Think, of the result in the event of your neighbors death.

Think MEMBERSHIP RECEIPT BOOKS. The 3Iembershlp Receipt Books do away with all blank receipts and will last seven years. The books are well printed and bound in cloth. We will forward books to Councils desiring them, allowing the financial secretary to sell to members who want them, at ten cents each, and remit the amount so collected when the books are sold. Sample book sent upon request from corresponding or financial secretary.

The Western Jewel. The second, third and eighth pages of The ewell, this Issue, is devoted exclusively to the Knights and Ladies of Security. These pages will be found Interesting to members and Bhould be read carefully. 4.