New-York tribune., 1876-09-08

All capital Is The result OF labor all labor Is force de-
yed from food ts gSpS e nse Of Cooking the food
upon the quantity Of material ana as a gooa % co Viii
waste so WIN skilful manager pay largo wages IN Ihe
conversion of small amour; Cf capital Inc frenon
among all nations excel IL bob directions. They make
little food serye.for good su5 senee and to common
material add the skill chat gives full wages -.
stsgnaon and the cessation Of al eaerpTise look
ing toward future need this period OF soeasu over,
scarcity Tho community is, rule, acting to-day as
il more houses. no more hills no more rsIoads; no
The extreme OF confidence mas been followed Dy the
extreme OF dstrust and the waste Of Old capital must be
toay gong far rapid rate than the aeculnu-
lation Of new. The destruction OF oday Is
constitutes progress, but rather destTgetion sueh
as is caused by fire and h0od what Is tle
true money at all. What we call money is but
bad measure an unit symbol oi the abundance
midst OF ploniyf Why is this existing substance
being CONSUMED m re eyenlyf Why do the lew nave 80
who want and are winp TO work cannot Obtain IL
There be but replyd these questions Ihe Gov
ernment has assumed the function OF establishing
standard of value and has substituted lie for true
standard 1t has assumed that 1t control and give
Ias cu1nnatei in DESTRUCTION and disaster Abundance
never yet ruined ton, and every cause OF want IN
tls country can he removed we apply ourselves 10 the
WIN LIFE INSURANCE.
H. r. Hayden read paper on Life In
surance as Social Force" To tho uncertainties Of bus
scientific basis life insurance Is the average duration
o human life as distinguished the tenure
of any single life The sentiment OF lie Insurance is the
distribution of loss. The Individual fails, the hitltude
moves And III lie insurance tue multltude take up
the burden of the " no fails and close updIe ahss
TO reach its highest usefulness then rs social 1uioS
he Insurance should be- If 1t ia not adped 10 the needs
OF the whole productive population No man IN our
country De counted rch until hS estate ls 'etueu
There possibility that tle clemens Of disri0u-
tion or contribution loss which has In t to certain
in process OF tiue eliminated by science ra her
that the probabilities w0uld be reduced 70 50 haIoW
margin as be worth tronDiing ourselves about
with a mortality table exactly graded with meoieal
examination which rejects absolutely from ave To zen
per cent applicants, and when IL some hahds
assumes TO grade those who rem0u aoCCrdng 70 tief
yiality with the premium separated into it compo-
nent parts Insurance. sef-nsTauce aud expense, we
have only To 90 little further Mih scichtlhC ieHlt-
meus to make IT, SAVING accidents aud epdelcs, un-
necessary Tor portion OF the people t. insure ana
impossible tor the O:ner portion 10 get insurance:
There ae two e pecal points ia tho relation OF life in
surInce 10 the state in which we NAY by wisdom,
strengthen, hy lack OF wisdom weaken u az
So Uil force These are first taXaton and second state
supervision. Many writer's insist chat lie insurance
funds o ght not 10 be taxed, because such tG would
tend to discourage the wealhprOduTng virtues Next
to tae protection Of lie governments are maldIntd 70
protect these virtues aut aside iron te oiWtuy OF
obtaining revenue, there seems to be nc reason why
mprvvIdence should DO taxed 70 supp ana
protect providence. But it IS possible, spite OF
tbe tendency of all taxes to dinuse tier burdens,
- ax q business 10 destroy II, or very Srtion ~
Jorpple H. There are two Ways "a weh as Lnay nc
done in life Insurance. FIRST by 50 enhancing us eu't a.
prevent many from sharing its benefits ana seeohay,
done by us N urtereuce OF the benefits OF lie Deur-
anCe we have done thing the wisdom u which Il
IN nesfy every Sfsto charged VITA the adufs trgOn
OF insurance law In many oites the business as lost
its distinctive features Is business aBd hds DceCe hh
eIuit on the part OF h.nest mcu - comply WIN IN
des,eG ana inn pIac3CAOie laws and on te laft ol 1is
honest meu to AVOID them Unhapphy' 0nl Ins'TaH'e
laws arc loosely drawn owing H tie tact tia. the
business ana lie insurance are unfamiliar
dishonest has all the advantage on Ls side.
ia
has done through tue operation OK unequal law nm
petCc.y administered. The past 81 life msdfare IS his
tory It's ltule VIII De vutten nLeibJ upon 0nr socl
Lie S2,OOH.0OOOOO now az TsA .fe Juiiecttu
WaUil aud deslittiOn tnis sum sai one DAY stand
ge tair testimony 70 s s0cid force When Tie oeso
o grateful sall ircm the Millions yet 20 oe,
w!Cse husbands and Hthcrs-Ot tOrgetiM- % piuFioe
FOR and protect thoir families Nhie hvinsena ihroesh
the iustrumtnGaty D! lie IA ufaooc Ieich out uo 4V
tect,n nau,s I.o even the quiet % 5 grave, and thus
" keeP something Of tneir glo'y IN their Dust
THE SOUTH.
Mr. Nordhos PAPER was The Industrial nnc Social
CJndi ton VI the spath" TIE BATES o. which he spoke
contaiued according to the inst census, 2,045GJG oi
white aud 2342,s5z " coored people. These cOored
people were 1t viii remembered when SGT irce abso
Iuely without property. In 1858 ihey owned nothing
i the rags they siUJd In. The eXpcrG. OF sotIag
fr 100000 slaves without making any provision
whatever iIr iBetr subsistence, wlihUt gFlng them
BOtisee 10 hyo M or "a 70 cuNatc' Is Deo,t u
prbcccilted ia the History Of CIVILIZED sJtcty f'cn he
saw thcse freed neorio they had bad tbeir liberty yen
years. Ouiy u teWEiA "1ci s.11S hhs pe'h u"ul, ,
DenoGral1 rule slAce 1871 Lad tEe Government 'bol
uaina tg
The freedmen OF Georgia a"cgiclns 70 tLe
rrtulns mado the slate government IA ASA. owned az
that s 76S acres Of tanning real state %l2UJIl5
worth oi city ad eGh Ietl esta', dnl pa - ts !" ny
valuation &C lJ7 Tp3 So idr ascertHined nom d'
iaf F Aead t6sn .n6se a auy O the States 1tis
i probably 10 be accounted by the fact that tey
n caf sgitatic.s 10 ba 81 70 as ia others did not
sofOre uch time nor fall into such nabils Of
nat fift. lney eneItIJ prefer 90 bug uuc.cdred land
and 1iir il for tnrlnseTes Tbey have great propen-
sty small lots oi tiol mar an acre 20 ivo acres
i.ftfV n lsf nd
~ po,s "a has reference 10 such cases rs tDs II is
found .h8t 10 sell small plots 90 tOlored poOe in the
neghborhOOd Of plantation IS Deterioration O the 2
nand,r OF the property.
ms land al - 30 $40 acre per annum 70 me
negro: or more requent!r makes a contract with i1rn
h. rn cT he fIiruaes ho,ps enCp e tie use Of the GIN
tools and ANIMALS and receives peehel siait vi th
croT In this arrangement which excellent and
suited to Dot parties the Hegio tenant, or renter as nc
called, VII have III good year. over AID ABOVE ms
ears expenses tie close Of fo season. 5Otiou 20 tne
a1ue Of from 500 $3.50 IN snme cases even as
h ~ $3.50 500. 1bis IL actual s,IP'lis NON thc
years labor Witi that he eag 30 Whal be .heaset
s9mefnes stores up IN shed ana regards u US lS
hanK account, whcn he drIws as his necessities or
wishes mpel him; 0iener he SifS u lno o oegas5s
town taxing with hin his wife and chdreu ara spends
II ali cy all there and tlen on dres tot Them cloth
are articles OF luxury generally
c has had ter llDe waI ning ganst saving non'y
ia tho .Oss suffered ny lhOlsahGs VI nes ys5 Y VIC VIC
fraudulent mismanageUeBt OF tlc Freedmans BANK ~
iost money tins bank, aud tat cruel fraud was SCI
ons discOliri cement tfrit among tlo whole coOTcd
li,iyor,iy the relations between the planter and MS
Icutrs or hired .oyes kindly and agreeable. The
cco.ed nan seek, the planters advice IA all the relations
his fe deposits MS spare casa VITA m and Ia iaet
d Ais y vi him as Ills friend up 70 the point where poi
g,cs cone H. and there he shoots 10 the other SIDE
Without inoment'a hesitation lie vii III general FOie
for Republican man calling hlihseN ltcpnelcsut
whom 10 be scourdIei II suoh case came %
him. rather team vote foi t1e ianter Yhose ahd lao mas
cultivated for tive years aud WHO has treated hin ~
! every respect fairly aud kindly.
sn9then planters I'VE AN Immense advantage IN pos
ses.ing tins great body Oi to ti the!F soil
Wberf yer IN The SOntD The negro Is honestly aud larry
deet with he gives entire saiifacuOn his employers,
1 To, 1y