: 1 i-'.r-;J ! ,-'-f>f-;«;^S^!T,'.^^.-i i , • THE UPPJ0JR Dm MOIN^S! AMONA, IOWA, WSBNESDAYtTLY 18, 1894, ACCIDENTAL DEATHS, *C* Caused by Carelessness. .j 1?he ttajority of peoble tlie soone? IJhatt Stftey shdiildL Evidence of this fact is grow* * iflg tlaity. Wft i ing fifty's: "1 'isease is not 6 >«K ®JH9emietice of life; it is clue to unnatural V-eonditions of livihg- Sicglcct, abuse, Want." »'Df. Stephen .Smith, on the frame subject, , * Man is born to Jiealf h and long life j <lis- \68se is unnatural, death, eiccpt from old : 6ge, is accidenifll, and both nre preventuble *. bf human agencies." This is almost invariably true of death resulting froni lientt disease. Careless ovtr-exertioh, itnefi>pernte „ Use of tea, cofiec, tobacco, alcoholic or other itiniulnbls are generally the cables of this difficulty, and indifference to its progress re- Aitts in 'sudden death, or long sickness end- ingirt death. l;y the newspapers it can be , seen that ttu-.by J ion itient and hundreds, of persons in private life die from heart disease every day. If you have any of the following symptom's ! shortness of breathj palpitation, irregular pulse, fainting and smothering spells, pditi in shoulder, side, or arm, j swollen ankles, etc, begin treatment immediately for heart disease. If you delay, the consequences may be serious. For over 20 years Dr. Franklin Miles, the eminent specialist, has made n profound study of heart disease, its causes and cure, and many of the leading discoveries in thui direction are due to him. His New Henri Cure is absolutely the only reliable remciiv for the cure of heart disease, as is provr by thousands of testimonials from grated; persons who have used it. James A. Pain, editor of the Corry, Fa., Ltwd< t. »tales: "After an apparent recovery from ii"-e months of la grippe, I fell on the street u, BCloufi from heart disease. In one ino- <Mithat time I was unable to walk across ••••> mot, and my pulse boat from 85 to 116 !);/••' • niiuute. I then used Dr. Miles' New Heart i,!-m»nd ni i once became stronger. After using flMtoottlcB 1 1 was able to work as usual and walk a mile over\ day, my pulse ranging from 63 to 80. Dr. line- remedy Is not only a preventive but a cure." Dr. Miles' New Heart Cure Is sold by all driiK- jrfsta on a positive guarantee, or by Dr. Miles Medical Co.. Elkbart, Ind,, on receipt of price. $1 per bottle, six for $5, express prepaid. It is positively free from opiates or dangerous drugs. Dr. Miles' Fills, 25 cents. Free book at druggists, or • by mall, SOLD BY DRUGGISTS. KOSSOTB COUNTY MUTUAL Company's Revised Articles am j^Mws—Sotte Chfttig'es that Are The Secretary Also Furnishes Som » Facts of interest to Those Who Want Insurance. I will sell you better FLOUR and other mill products for less money than you can buy elsewhere, or no money. Every sack warranted and delivered, J. J. WILSON. Do you want reliable abstracts? We make them promptly and at moderate prices. Is your title to your land perfect? It is always well to know about this. A small cloud on your title might cause somebody a good deal of trouble. Better see about it now. Jones & Smith. MONEY ON REAL ESTATE. EEouci© 6s Bri3.n.son. CHARLEY LAAGE Has opened a blacksmith shop at the old Peterson stand on west State street, west of the new livery barn, and Is prepared to do General Blacksmith-ing or all kinds, in the best manner and at reason able prices. ^fPlow work a specialty. State: University The Several Departments will Begin the Year 1893-94 on Sept. 20. Each department is thoroughly equipped for ejnclent work, and no pains will be spared to afford students the best possible opportunity to pursue their chosen lines of study. For particular information as to the respective departments address as follows: Collegiate—Charles J. Schaeffer, president, Ipwa City. Law—Bmlin McClain, chancellor, Iowa City. Medical—J. W. Harriman, M. D., secretary or racuitj, Iowa city. Homceopattlo Medical—J. G. Gilchrist, M. P., registrar of faculty, Iowa City. Dental—A. Q. Hunt, D. D. 8., dental faculty, Iowa Gity. Pharmaceutical—E. L. Boerner, Ph. G,, dean at faculty, Iowa City. Expenses to all departments are reasonable. Cost of board in private families, $3 to $5 per week; )n clubs, 8L50 to$2.60 per week. For catalogues, or for general information, Address CHARLES A. SOHAEFFER, i 2J.ja3 President. and Sale Stable. BY ©10, HUNTER. «,*#• ,owi rpprtetc. -. — fttfi of the Ten- proprietor of the w ea to tup- r ,™. „, ,„, „„ -eet of livery torate price* Also /Colts to Drive, &* V •**" A .- &**«'* rhs I So many are interested in the Kos suth Couhty Mutual Insurance com pany that we publish, for their benefi and as a matter of general information the articles and by-laws of the company as revised at the annual meeting short time ago. The changes are only slight, but they are important: AHTICLES. WHEREAS, We now organize, this 9th day of April, 1887, by adopting the following Articles of Association, witnesseth: Tha J. E. Blackford, J. Wallace, C. Hackman Chas. C. Chubb, H. P. Hatch, H. C. Par sons, J. B. Jones. J. Chapin, P. Ferguson, H. S. Vaughn, W. F. Hoflus, C. Riekard, C. N. Oliver, A. A. Brunr-Mi, M. Stephens! G. M. Parsons, D. A. Haggard, K. Lambor son, E. W. Donovan, and all other persons who may become members of said Company, are hereby associated by the name of Kossuth County Mutual Fire Insurance company. Article 1. The object of this association shall be to insure farm buildings, as woi: as household furniture or other personal property against loss or damage by flro or lightning. No insurance shall be taken for more than three-fourths the actual value of the prop erty at the time the risk is accepted. Art. 2. All persons who become insured in this company are members thereof as long as their insurance continues. Art. 3. The principal place of doing business shall be at, or in the vicinity of Algona, Iowa, and an annual meeting of the company shall be held at or near there on the second Tuesday in June, each year, at 10 o'clock a. m., for the election of officers and the transaction of other business. The officers of this company shall be a president, vice president, secretary, treasurer, and one director for each civil township represented in the a_ssociation, who shall be elected annually, said officers to constitute a board of directors to manage the affairs of the company, a majority of whom shall coustitute a quorum for doing business. Art. 4. The president, vice president, and secretary shall constitute an executive committee, and when a loss occurs, they shall, as soon as practicable, repair to the place of loss and adjust the same; and if all members of this committee cannot be present, those who can be present shall fill the committee from the other members of the board: and if they cannot agree with the assured in the adjustment of loss, the matter shall be submitted to arbitrators chosen in the usual manner, whose award in writing shall be binding on the parties as to the amount of such loss, provided, always, that this company shall in no case be held liable for more than three-fourths the actual cash value of the property at the time it was destroyed. The company also reserves the right to rebuild or repair damages sustained. Any person insuring at least one- half of his live stock, shall be entitled to recover, in case of loss, three-fourths of his loss, not exceeding the amount insured, and not exceeding $100 for a horse or mule, $35 for a cow, bull, or steer, $5 for a hog, or 63 for a sheep. Art. 5. After a loss has been adjusted and it is necessary to make an assessment, it shall be the duty of the secretary to write to each member and notify him of the name of the loser, the amount of the property insured, the amout of the loss, and his proportion of the assessment. The secretary shall be allowed, in making an assessment, to add such a sum to the actual loss as in the judgment of the executive committee shall be necessary to defray the current expenses of the company, provided this sum shall at no one time exceed " one mill on the dollar;" and further provided, that the assessment shall at no time exceed two per cent, for any one loss. It shall be the duty of such member of the company, within thirty days after receivpig such notice, to pay to the secretary the amount assigned as his proportion of the assessment. If any person fails to pay his portion of the assessment within the time specified, the policy shall be void, and the secretary shall proceed to collect the same with ten per cent, additional. Art. 0. An annual assessment of 1)£ mills on the dollar shall be due and payable on the first day of Januai'y of each year, and no other assessment shall be levied until such fund is exhausted, provided further, that if such annual assessment should produce a surplus amounting to $1,0'00, the board of directors shall reduce the rate or omit the assessment entirely for any one year. Art. 7. Any person wishing to withdraw from this company shall notify the secretary in writing, and his withdrawal shall take effect from the filing of said notice; but if there is any unpaid loss at the time of giving said notice, such withdrawal shall not release him from his liability on such unpaid loss. Art. 8. The board of directors shall have authority to pass by-laws for the management and efficient working of the company, any of which may be altered or repealed by the annual meeting. These articles of association shall be altered or repealed, or new articles inserted, by a two-third vote of the members present at any annual meeting, notice of any proposed change te be given to the secretary 80 days prior to such meeting, and the secretary to give each member notice of such proposed change. Art. 9. Any person desiring to insure in this company shall make written application to the secretary in form prescribed by the board of directors, in which application he shall state the value of the property, the amount of incumbrance, and the amount of insurance, if any, which application shall be referred to the director for that township or other agent of the company, who shall make a personal examination of the premises to he insured, and upon his recommendation he shall be entitled to receive policy upon terms prescribed by the bylaws. In case of other insurance, this company will pay only its ratable proportion of three-fourths of the valve of the property destroyed. Loss or damage for which the company is not liable, * It is hereby declared and agreed that this company ghall not be liable for loss by theft at or after a fire, nor for loss caused by invasion, insurrection, riot, civil commotion, military or usurped power, nor for loss caused by explosions of any kind except lightning unless flre ensues and then for the loss or damage by flre or lightning only, nor for loss or damage caused by neglect to use all practicable means to -save and preserve the property from damage at and after the flro, nov for loss from prairie fives unless there shall be good and sufficient fire break around the premises, nor for the loss or damage caused by the use of open lights in barns pr out buildings or places where shavings are kept, nor for damages caused by flre originating from depositing by the insured aanes oy ewUers. In wooden vessels within 40 jeetpf tfeo buildings }n- sured, nor for 4affiaj?e «»UBgd by- flre orlgl- natiug from et/ove pipes passing through partitions or ceiling ujlegs protected by ' rtafvifWob keeps pne-haU inches lifl GO «PW be five coin- roneous representation or concealment material to the risk, or shall allow ft dwelling house therein insured to become and remain vacant or unoccupied for more than 80 days without the consent of this company in writing thereon, or shall mortgage or otherwise encumber the Same without con- Sent of the company endorsed thereon, or shall have or make any other Insurance •thereon or any part thereof without the consent of this company in writing thereon, or if the risk shall be increased in any man- tier without the consent of the company) then and in every Such case this policy shall be bull and void. if at any time a loss occurs on account of repairs beiiig made, the company will only be liable for one-half the loss. Insurance will take effect at 121 o'clock noon, after the policy has been issued by the Secretary. BT-LAWS. 1. The secretary shall keep a record open for inspection of members of when each person became a member, amount of property insured, and when ho ceased to be a member, and keep an explicit account of all the proceedings and transactions of the company, and shall pay all moneys received over to the treasurer as soon as practicable, taking his receipt for the same, and shall be required to give bonds in the sum of $1,000 for the faithful performance of his duty. 2. The secretary shall be entitled to fifty cents for issuing a policy and taking the statement etc., that pertain thereto, and shall also be entitled to two and one-half dollars per day for six months of the year commencing April 1, and to two dollars per day for the balance of the year for each day actually spent for the company. 8. Change By Law 8, so thatltshall read! The applicant for insurance shall pay $1 membership fee, one mill on the dollar contingent fee, and such proportion of the annual assessment as would be due from the date of application to the first day of January, next following, andno insurance shall take effect until this is paid. 4. It shall be the duty of any party insured in this company who sustains a loss to render to the secretary a sworn statement on nil points desired by him relative to'the flro and incumbrance on the premises. B. The officers of this company shall ro- :eive a reasonable compensation for time actually spent for the company except for attendance at annual meetings, the amount to be determined by tV.o board; but in no case shall it exceed the per diem of the secretary. 6. The treasurer shall receive all moneys from the secretary and shall puy out the same upon the order of the executive committee duly signed by the president and secretary and shall give bond in the sum of 3,000 for the faithful performance of his duty. 7. When insurance is taken out on more than one building in the same policy the amount of each must be named and also the amount to be insured on each kind of per- onal property. 8. In cases of vacancy occurring in any of he offices or in the board of directors of his company, the board of directors shall fill the same until the next annual meeting if the company. 9. If loss than one-half of the value of the took owned by the insured at the date of oss is insured, the amount for which this ompnny is liable will be the same propor- ion of three-fourths of the loss that the ,mount insured bears to one-half of the mount owned. 10. In case of loss of live stock by lighting it is desirable that when possible the nsured get one or two persons to examine lie animals immediately so as to make iroof of loss more satisfactory. Secretary Black Cord also adds: A careful examination of the articles 'f the association will sbow anyone vho may be interested in cheap and re- iablc farm insurance what we claim to .0. Our object is to furnish insurance a near actual cost as is possible. The ollowing items are from the secre- ary's report, June 12, 1894: Total mount of risks to date, $742,150—divided as,follows: Buildings, $390,039; ive stock, $202,990; all other property, 149,010. Since we commenced busi- iess, April 9, 1887, we have paid 42 oases, and so far have never had any idcldng or difficulty whatever. What has it cost? The following is be account of Mr. Peter Ferguson, a well-known gentleman wbo has been with us from the first, April 9, 1887: Amount of risk, $1,000; membership ee, $1; one mill por centage, $1; total ssessments, $8.35; total cost, $10.35, or seven years and two months. Any ther information will be cheerfully urnished by the following officers or '.irectors, or any one_ of our 700 memiers: C. B. Hutchins, president; E. W. Donovan, vice president; A. Zahl- en, treasurer; E. Blackford, secretary; >ed. Beane, C. C. Chubb, M. Weis- rod, Jno. Barnhurd, Philip Dorweiler, A. L. Belton, N. C. Taylor, Ellis Mc- i/Vhortev, Grant Benschoter, A. J. ones, Wm. Klein, G. S. McPherson, }. M. Parsons, directors. UisUop Fowler at Clear Ignite, The Chicago, Milwaukee & St. Paul Railway company will run a grand pecial excursion to Clear Lake Park, owa, on Thursday, July 19, 1894, at which time the eminent Methodist Ishop, C. H. Fowler of Minneapolis, vill deliver his famous lecture, " Abra- lam Lincoln." Special musical at- raetions and the Decorah Cornet band 1 be in attendance. A special train 1 leave Algona at 9:35 a. m. Fare qr the round trip, including admission o the park grounds and lecture, will e$1.15. Reduced Hates for Excursions, For the annual encampment of Sons f Veterans, U. S. A., to be held at Davenport, Iowa, Aug. 20 to 24, excur- ion tickets will be sold by the Chicago, Milwaukee & St. Paul railway at fare nd one-third for the round trip.—lltll PALSE SYtotAX POR ECONOMY, A Horse Knows the Difference between good and bad wagon grease. will the Only Con»ld*r*tJon that Could fit&ts t>r*t*ll«d fit Uoitbn. The telegraph operators were telling stories. The tall man, who has held & key all over the country, had the floor. "You see » good many joked in the papers," said he, "about the culture of Boston and the habit people living there have of using big words and correct grammar and all that. Most of yon think that these joked have no foundation in faot. Now, I know better. I was receiving clerk in the Western Onion office there a good many years ago, and some of the messages handed in to me were corkers, "One summer! had the cable window. One day two women dressed in black and greatly agitated came in and incjuired the rate per word to London. I told them it Was 98 cents. They con' suited for a minute, and then one of them asked for a blank. I told them where the blanks were, and one of them wrote a message, The other took it and read it two or three times. "Then she came over to the window and asked again how much it was a word to London. 'Twenty-eight cents,' I told her. She looked at the message dubiously. The other woman came up to her and said, 'Don't you like it?' " 'No,' she said, 'I don't like it. That form is improper. You say that Charles suicided this morning, when it should be said that Charles committed suicide this morning.' " 'But,' said the other, 'if we put it in that way we will save 38 cents.' "The woman who objected turned this proposition over in her mind for a long time. Finally she said, 'I don't think that such syntax is excusable.' "The other took the blank and read the message a few dozen times. 'We're poor,' she said decisively after studying it in all its phases, 'and we can't save 38 cents any easier.' "This partially convinced the woman who objected. 'But what will our friends think?' she asked dubiously. " 'I suppose they will notice it, but , we can't help that.' Then the two women retired to one corner and had n consultation. After talking earnestly for 10 minutes they wrote out another message. So help me, this is the way I got it: 'Charles suicided this morning. False syntax used becu. in it is cheaper.' "And they paid me 28 cents a word for it. All of which," continued the tall operator, "illustrates one of the curious ways in which a woman "a mind works."—Buffalo Express. Down In Arkansas, "Well, Jim, how's the ague?" "Didn't I tell you about that? "Why, I went into old man Sharp's field one night about a week ago, and the old man got up .and loaded his gun in the dark, and cuss me if he didn't blow me full of two grain quinine pills. I hain't hod an ache nor shake since."—Life. West Virginia. West Virginia, with less than 800,000 inhabitants, has but three cities and is essentially a rural and half settled region. In spite of her enormous wealth in timber and mines also, many of her counties number only a handful of people. No West Virginia county has 50,000 inhabitants, and only 10 have \ more than 20,000, while 10 have less than 10,000 and two less than 5,000. In many of the mountainous counties the conditions of life are simple to the last degree, and the people are far removed from the great currents of national life in spirit as well as in distance and time.—New York Sun. We Have Removed I Our farm machinery from the rink to our shops on Call street, where we have a full line of all machinery needed on the farm, including Standard Mowers- and repairs for the same. Be sure to see the Standard before you buy. Bradley & Nicoulin. C. L. LUND. J. J. RYAN [Successors to 0. L. Lund—Established 1880.] REAL ESTATE DEALERS ZO-W.A.. We wish to announce to the readers of THE UPPER DBS MOINES that we have extraordinary facilities for the selling of farms and unimproved lands In northern Iowa, and we Invite all who wish to disposes of their property'to call on us at our office In Algona, or to corresnond with us. J0g™As soon as spring opens we have a large number of customers from the eastern states who are ready to come out and secure a piece of Iowa soil at reasonable rates We believe In fair dealing, and If you want to sell your property don't waste any time In llstlne It with us. Yours respectfully, LUND & RYAN Intelligence The Northern Iowa Exchange, IT COSTS YOU NOTHING EXTRA TO BUY YOUR GOAL AND ICE FROM US. If you wish to buy, sell, or rent houses or lots; If you wish to buy or sell a load of hay, wood grain, etc.; if you wish for employment or desire to employ, call and see us. We write all kinds of insurance. 0-BO. M, -, state Bank block. FINANCIAL. Kossuth County State Bank CAPITAL .............................. $50,OOC Incorporated under general laws of Iowa. Deposits received, money loaned, foreign and lomestic exchange bought and sold. Collec Jons made promptly, and a general banking justness transacted. Passage tickets to or from the old countries soldi at lowest rates. WM. H. INGHAM .................... President J. B. JONES .................... Vice President LEWIS H. SMITH .............. ........ Cashier Directors— Wm. H. Ingham, John G. Smith, J. B. Jones, T. Ohrischilles, Lewis H. Smith, J. W. Wadsworth, Barnet Devine. The First National Bank So He Ought, Patient (regarding his lacerated face in the mirror)—You surely are not going to charge me full price for that shave? Barber—Ain't I? Why not? "I think you ought to give me cut rates!"—Boston Traveller. About Loans. We have found another $200 and $600 to place on town loans. Must be taken by the 15th of this month. Plenty of money for short time chattels. Real estate money as low as the lowest and plenty of it at the office of N<* J. Skinner. Here's the Idea Of the Non-pull-out Bow The great watch saver. Saves the watch from thieves and falls—cannot be pulled off the ca»c—coits nothing extra, Th* bow hat A groove on e«eh *nd. A cpll»r r«n§ down ioilde th« pend»nt (»tem) «nd mi intQ th firmly lopfcfoe the bow to th? pend»nt, «0 > «Mrt it MBPPt bO or twipte4 off. T * Can only be had wjth ewes Jtwnped with, this trad? mark, Jas, Boss Filled Watch Cm now fitted with thj» great bow (ring) look tad wtw WK solid gold wssi QHly sboijt Jj|Jf |f p^b, !••"»»» »»« .ember the i OS 1 CAPITAL .......................... 850,000 Special attention given to collections. AMBUOSE A. CALL ................. President D. H. HUTCH1NS .............. Vice President WM. K. FERGUSON ................... Cashier C. D. SMITH ..................... Asst. Cahldcr Directors— D, H. Hutchins, S. A. Ferguson, Philip Dorweiler, W. F. Carter, Ambrose A. Call, K. H. Spencer, Wm. K. Ferguson. Money always on hand to loan at reasonable rates to parties furnishing first-class security. CASH CAPITAL, 850,000. ALGONA, IOWA. Officers and Directors— A. D. Clarke, President, 0. C. Chubb, Vice Prest., Thos. H. Lnntry, Cashier, Geo. L. GiUbrafth, W. C. Tyrrell, Myron Sohenck, Thos. F. Cooke. General Banking, PRIVATE SAFETY DEPOSIT VAULTS. jSHtaterest paid on time deposits. TO THE PUBLIC, I desire to say to the people of this section that I am better than ever prepared to meet their wants in the line of Painting, Paper Hanging, etc., and reel free to say that I can guarantee my work to be first class. I mix my own paint and people can know just what they get. It may be well to add that I was not responsible for the inferior work done last season by the firm with which I was unfortunately connected for a short time; circumstances which I could not control caused some poor work to be done, but I promise my patrons that it shall not occur again. I am the " boss" now, and you may rely on what I tell you. Give me a trial and you will be satisfied. JAS, A. ORB. DEEBB MAKING-, MRS. F, la now prepared to dp all kinds of dross iwak ing at Uer borne on •Wast PR. h A, Drugs and Medicines, *?!$' i ' / FHAI aBftoj'lmeftt always pahaMQt drugs, rf^, PROFESSIONAL. ^-~-^--* •*• -vs^-v^x^. CLARKE & COHENOUR, ATTORNEYS AT LAW. Office over First National bank, Algona, la. W. B. QUARTON, ATTORNEY AT LAW. Oror Kossuth County bank, Algona, Iowa. E. H. CLARKE, ATTORNEY AT LAW. Collection agent. Opera House block. S. S. SESSIONS, ATTORNEY AT LAW. Prompt collections. Money to loan on chattel security. Over Chrlschllles' store. DANSON & BUTLER, LA W. LOANS. LAND. Collections a specialty. Office in Gardner'dowies* new building. SULLIVAN & MeMAHON, ATTORNEYS AT LAW, Office in Hoxle-Ferguson bljok, L. K. QARFIELD, M. D., PHYSICIAN AND SURGEON. Office, State st., one door'east of Oordingley. Residence, McGregor st., east or the public school building. H. C. MeCOY, M. D., PHYSICIAN AND SURGEON. Special attention to city practice. PHYSICIAN AND SURGEON, Algona, Iowa, J. M. PRIDE, M, D., PHYSICIAN AND SURGEON. Office over Jno. Goeders' store, on State street, Algona, Iowa. . DR. T. H. STULL, PHYSICIAN AND SURGEON, Chronic diseases a specialty. Office, over Sheete' drug store.' Residence, Glass > property, McGregor streef. T. J. FELLINC, M. D., PHYSICIAN AND SURGEON. Consultation in English and German. Office E. S. GLASIER, p, p. S,, SURGEON DENTIST. Office over the State Bank. Algona, Iowa. DENTIST, 4, L. RIST, D. D. PRESTQNUVI, D,, Ear ' CITY, IOWA, on Thureaay. July 13. BLANKS- TUB STAWABQ FORMS.
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