davidaulloa/AmericanStories huggingface dataset:
Cheyenne record., 1918-01-03

A surprise ance v as given last
Friday night at the Cahill annex
by the young folks of this com-
munity to Harry Hamilton, as he
was leaving that evening to take
up his pos ition with Uncle Sam.
j. P. Cahill showed his patriot
ism bY donating them the use of
the hall. Everyone seemed to
enjoy the dance. and Harry was
pleased to see the people here
show him this honor.
Cheyenne record., 1918-01-03

The xercises given Christmas
eve at the Chapel was grand
Success and everybody had a
good time.
Mrs. d. j Homedale returned
to her home after sp aii,ng the
HOLIDAYS with her parents at Nor
land. Kansas.
The Misses AiIeen Ferguson.
Cora Hoilenbaugh, Loren Fersu-
son and George German spent
Monday at Sharon Springs, Kan.
Donald Graham arrived home
Monday evening from Denver to
spend New Years with his par
ents, MIR. and Mrs. E. L. Graham
The dance was well attended
last Saturday nixhL aL BilEs
Place. there will be another one
Jan. IL. Everybody come and
have a good time.
Miss Aileen Ferguson will re-
turn To Cheyenne Wells Tuesday
where she will take up her school
duties again after spending her
vacation at home.
Cheyenne record., 1918-01-03
Import ant Nesting

The Farmers Educational and
Co Operative Union of Arapahoe
will hold their next regular meet
ing Jan. 5th, at l o'clccx. Every
member is requested to be pres
ent as the annus Il iusta l men, OF
officers will take place at that
time. First and third Saturdays
Of each month are the regular
meeting days.
E. r. johnson. Sec-Treas.
Cheyenne record., 1918-01-03
SUNNY SIDE

E. A. Smith and son visited in
the Ambrosisr home last Sunday
Mr.. Bidwell is hauling hay
from Cheyenne Wells this week.
j. L. Church threshred his
beans. He got 80 bushel. ]. L.
will have some beans to eat this
winter.
Mr.. and Mrs. Clarence Hem
bricks and family of LIE lora KaIs
an cd acquaintance of Mr.. ard
Mrs. Ambrosier visited them la. t
Friday.
M. C. Owens helped Joe Mes
bitt on the the addition he is put
ting to his house. Mrs. Owens
sewed for Mrs. Nesbitt a few
days last week.
Cheyenne record., 1918-01-03

it reaches the front. It is sur
prising to know how anxious the
boys are to get to the front.
Trusting everything Is as well
with the citizens of Cheyenne
Wells as here, / beg to remain,
your friend,
VEST GOODNIGHT.
Cheyenne record., 1918-01-03

Received the package from the
l. O. O. F. and nothing they
could have sent would have filled
the bill so W, II as that, for there
is nothing SO good as good
smoke when you are tired. shaw
ing soap too is very handy. You
can thank the I. O. o F. for me
and tell them all a Merry Xmas
and a Happy New Year.
The Rel Cross ant Us each a
package. and it also contained
tobacco and candy. l happened
to catch pa .kage sent by a Miss
SO am going to write and thank
her.
l think we had about the lar
gest Xmas tree in the U. S, MI
jor Gen. Strong gave a dandy
talk. and some fine singers from
SanDieRo were out. The tree
was lii up by electric lights red
white and blue, with one big star
of lights to represent the flag.
After the program a Zig bonfire
was lit and we all fell in line and
each received an apple and orange
sent from LosAngelos. They took
a flashlight of the crowd and if
it good will send you one. There
was about 1880 men there The
Chaplain of the 16Oth Inft sang
Mother McCrea" a I'd / think it
is the prettiest song ever heard
and about the best singer in camp
sang it.
The town of LaJolla took about
1000 soldiers out to spend Xmas,
so you see they treat us pretty
good. This is where every young
man belongs tn It Is ao.e anu Can
get away from home, for it makes
one feel good and you can think
even ii you can never spend an
other Xmas in America you at
least are and will be snot off in
the years to come by a nation
well worth loving and dying for.
Have enjoyed the day very much
and have Lad a Merry Xmas as
faras it could 20 in an army camp
but would love 10 see the folks at
home. With love and best wish
es, | am your loving brother and
s)n. K. B McCRUMB
Cheyenne record., 1918-01-03

There will be box supper ard
entertainment at the Wagener
school house Saturday night Jan.
6.h. for the benefit of the Ameri
can relief Fund. This worthy
object ought to attract a large
crowd. Additional casa offerings
will also be received from any
one disposed to give 10 save
these stricken people.
Cheyenne record., 1918-01-03
FIRST VIEW NEWS

S. N. Hull is spending the
HOLIDAYS in Mo.
The young folks spent Sunday
evening at Prairie Dale.
j. N. Smith made a flying visit
to the ranch Xmas week.
Miss Hattie McNulty visited
Mrs. Fredricks Wednesday.
Mrs. C: A. Smith spent Friday
evening with Mrs. 0. B. Fry.
Mrs A. Ruck visited over night
with Mrs C. A, Smith Thursday.
Mr.. and Mrs. Dan Stallsmirh
were First View visitors Sunday
evening.
C. A. Smith left Thursday
morning on business trip to
Holyoke.
Mr.. and Mrs. E. E. Fleming
were guests at the Ellis home on
Thursday.
Mr.. and Mrs. Joseph Dwyer
entertained the young folks Sat-
u-day evening.
Mr.. and Mrs. ]. L. Mousel and
children were Xmas guests of
Mr.. and Mrs. Fredricks.
Two car loads from Sharon
Springs attended the dance at
Flemins's Xmas night.
Mr.. and Mrs. Rainwater and
Mrs. Hickman were guests or
MIS-. Ere dr.cLs Wedne sGay.
Mr. and Mrs Tom Dwyer ard
Mr. and Mrs. o. B. Fry transact
ed business is Kit Carson Satur-
day.
Mrs T, e Hickman of Kansas
City is spending the holidays at
the home OF her san James Rain
water.
MIR. O. i. DAILY came Saturday
to pack his household goods as
he has decide 10 live at Elgin
N ;braska.
Mrs Kerr and Tournaline de-
parted for Piainville kans Xmas
day to spend the winter at the
Gowdy home.
Mrs. A. Ruck entertained, Mr..
ana Mrs. o. b. Fry, Mr.. and Mis-
r e. Frank and children, Misses
jamie and Hattie McNulty and
John Halde ut Sunday dinner.
Mr.. and Mrs. Clarence Etter
entertained a large crowd to an
old fashioned Xmas dinner. the
kind our grandnothers served be
fore the war. After everyone
ha | eaten a II they possible could
they all sojourned to the Cap
Grain home where they had a
Cheyenne record., 1918-01-03

ingly apparent. The roads as at
present managed, or mismanag-
| ed simply cannot do the country's
business and it becomes neces-
sary to place them under di-
rector.
The government guarantees
that the stockholders will con-
tinue to receive their usual divi-
dends and undertake to maintain
the roadbed and equipment at
the present standard.
A POINT TO BE WATCHED.
This is all fair enough on its
face. but there is serious danger
that the maintainance provision
will be abused. Many of the
roads are in a rundown condition
and are poorly equipped Before
they can be made to render the
maximum of fficiency it will be
necessary to invest vast sums on
them. In some instances they
will have to be practically re-
constructed.
Is this to be raid out of the
public treasury and no return
made to the people?
President Wilson viii! undoubt-
edly exert himself to safeguard
the public interests in this and
other matters. but there is a limit
to even the presidents ability to
scrutinize details To great ex-
tent. he must depend on the own
ers and managers of the roads
for counsel and direction. I'm
der the present arrangement they
will know that the roads are to
be returned to them at the close
of the war,
What would be more natural
than that hey hould endevor to
spend as much of the public
funds as possible in the main
t=inanc a d betternent of their
owl properties?
That is one OF the reasons why
| am anxious to see government
operation succeeded by govern
ment owne, ship. There are 9th
srS.
The railroads are natural mo-
nCro!y. There is no such thing
as ger uine ccinpeti i'm among
The m. II you want to go frcm
Pueblo 10 Chicsgo you will find
h If a dozen roads seeking your
business, but all eff aring exactly
the same terms. Ii you want to
ship carload of freight you will
encounter the same conditions.
The roads effort at competition
merely increases the cost of oper-
alton, and Of course that means
higher rates.
1t would be contrary to public
policy to permit ou huge cor
peration to own all the roads.
Therefore the best solution in
the interests of economy and eff
ficiently is government owner
ship and operation.
Cheyenne record., 1918-01-03

Mr.. and Mrs. Clarence Hem
bricks and two children. Arnold
and Paul, of Lenora, Kansas, old
neighbors of the editor and fam
lily, were over night visitors at
our house last Thursday. They
had been visiting at Burlington
and concluded they would come
this way and make Us short
visit.
Cheyenne record., 1918-01-03
Washington Letter
By Edward Heating
Congressman from the third Colorado
district.

'sTv elve dollars a ton for Su-
gar beets! Was the slogan of a
delegation of Western + mers.
beaded by DR.. S. E. Jones of
Fort Morgan, that waited on Nat
ioaal Food Administrator Hoover
during the Christmas holidays.
As . result of the conference,
It is probable that Hoover will
name . commission to fix the
price Of beets for the coming sea
son. Some of the Sugar COM
paEies offer 50 a ton for 16 per
cent beets but the members of
Dr.. Jones COMMITTEES says this is
enough. and they have a most
impressive array of figures to
sustain their contentious.
A sugar factory should be able
to extract at least 26O pounds of
sugar from one ton of 16 per cent
beet. At So. 25 per hundred-the
min mum price for sugar This
would mean that the factory
would receive $18.e5 for the su-
gar in one ton of beets. In ad-
dition the factory would net a
hansome sum for the by product.
On this basis the factory could
pay $l2 a ton for beets and earn
not less than fifty per cent OH the
capital invested.
Tha.. should be enough to sat-
isfy the ordn r man i'll wal
times.
DIFFICULTIES OF HOOVER
The farmers have acted wisely
in organizing, The Food Admins
tratioa wants to give every one a
square deal, but Mr.. Hoover is
not familiar with the sugar bus
mess and he has called to his as
sistanee number OF experts,
practically all of whom are inter-
ested in t1e manufacturing end
of the business. Human nature
has not undergone any remark.
able change within the last few
months and therefore it is not
surprising that many of these
gentlemen still retain the point
of view OF the refiner.
The interests of the farmer aaG
the consumer have not received
the consideration their impor-
tance would warrant. l1 is high
time that a change was brought
about
The sug If companies have been
making too much money. Either
the price Of beets should be sharp
,ly advanced or the price of sugar
should be sharply reduced.
If Mr.. Hoover will take the
time /, appoint the right kind of
commission / am confident we
can secure a reasonable solution
of the probe m.
UNCLE SAM A RAILROADER
At last we are to have govern
ment operation Of the railroads.
Many believe it will be followed
by government ownership. That
would seen to he the logical so
luton Of the transportation pro-
blem.
For many years the railoads
have been the playthings of fl.
nanciai buccaneers. System af-
ter System has been brought to
the brink of ruin in order that
some Wall Street group might
samass fabulous fortunes. We
are all familiar with the locting
of the New Haven. :ha Illinois
Central. the Rock Island and
msny other lines. The men res
ponsib;e should have been sent 10
the psnitentiary but all have es-
capped punishment aud made
away wilh their plunder.
Cheyenne record., 1918-01-03

Read the RECORD each week
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1918-04-18

least three-fourths Of such net loss
being the result Of your official ac-
ton in compelling US to issue a pol
icy in accordance with your views in
stead of the contract which you re-
fused to permit US to write and which
contract we wrote in all other states
except North Dakota"
This may be the only feather in my
cap, with respect to this crop insur-
ance affair, and l am proud Of it!
In conclusion will say on this sub
ject that this experience will prove a
mighty factor in favor of state in
surance.
Please note the following:
The Bankers Insurance Co., during
the past season wrote about 1850, 900
of insurance in North Dakota. The
rate of premium was 10 per cent,
making $285,000. The local bankers,
who wrote the insurance, received a
commission Of Is per cent on the
premium receipts, which amounts to
a handsome little dover of SAL $50.
In addition to this the State Agent at
Fargo, had a contract with the COM
pany by which he was to receive an
overhead commission Of per cent on
premiums, which would yield another
$14,25O. These are by no means un-
usual rates Of commission paid by
hail insurance companies.
A carefully compiled table Of prem
iums received and losses paid by the
line companies for the last years,
prior to 1917, shows the average over
head expense to be 33 per cent Of the
premiums paid while the overhead
expense of the state hail insurance de-
partment for the four years, 1913 to
1916, inclusive, was only 10 per cent.
This in spite of the small amount OF
insurance written. If the State Hail
Insurance was patronized to great
er extent the expense ratio would be
considerably lower.
According to data compiled by this
office, $1O,479,279.95 was paid in
premiums for all kinds of insurance
by the people of North Dakota dur
ing 1916. Over two millions of this
consisted of hail insurance premiums.
Figured on the ratio of 33 per cent
for expense, means that about $780,
900 leaked out, and was not available
for paying losses. Fellow Farmers!
Please note that herein lies the secret
in favor of State Hail Insurance, even
under the present plan!
The disastrous experience with the
crop insurance, of last season, will
no doubt open the eyes Of q great
many to the urgent need Of the only
remedy-to place crop or hail insur-
ance under the State, where it be-
longs. It is an ill wind that doesn't
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1918-04-18

A few things accomplished by the
Farmers Insurance Commissioner
during the first year of administra-
ton:
By Way of Legislation.
Effort made during 1917 session of
the Legislature to pass H. B. 10 pro-
ance rates. This is the Minnesota
law and gives the insurance depart
ment powe" to hear complaints from
towns or individuals and to adjust
rates, subject, of course, to appeal to
the courts.
In other words this law would place
the Insurs.n nee Department in the same
category as the R. R. Commission of
the state Our efforts were defeated
by strong insurance lobby and a
Senate friendly to them.
Passing H. B. 275, making assess
ment accident and health insurance
companies deposit $4,000 with the
Insurance Department before license
can be obtained.
Making it easier for County and
State Mutuals to change their Arti-
Giles of Incorporation, as embodied in
II. B. 1853, and also perpetuating the
charters of Mutual Insurance compan-
les.
Helped organize four new farm mu-
tual insurance companies, Of which
we now have As in the State. Have
written Articles in press, advocating
mutual insurance, as well as explain
ing and urging State Hail Insurance.
Legislation Recommended for the
Future.
Will do everything possible to get
law passed raising the minimum am
cunt of capital fire or hail insur-
ance company must have to organize
and get charter from 100000 to
$25O,OO0 at least, and compel hail in
surance companies to leave certain
deposits either with State or local
banks for protection of policy hold
ers. The latter may be unnecessary
however, if next legislature gives us
compulsory state hail insurance tax
law, which hope they will.
BY such measures we could prevent
the organization and admission Of so
many small concerns, which spring up,
do big business, and fail, like the
Bankers Insurance Company, last
summer, and the Northern Fire and
Marine of this state, in 1916, and
others before that.
Would also recommend law pro-
hibiting taking commission or pro-
fit of any kind for the sale OF stock
in organizing new insurance compan-
les. In that way only would it be
possible to check the unholy desire OF
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1918-04-18

friends think l have been too liberal
with the enemy press. There you
are! Anyone who has had any exper-
fence with humanity knows that it is
impossible to suit everybody. The
Lord, Himself, fails dismally at such
a task-so Whu NOT II
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1918-04-18
q 8 = . 9 . . . q o o o . = , . .
. WE LIVE IN A STERN UOUS >
q AGE. .

. . , . . g. q g q 9 y . .
We live in an age of criticism and
publicity. Every citizen feels that he
il responsible for the veal or woe of
the commonwealth, more than any
time in history. Hence the greater
demand, by the public, for publicity
and efficiency with respect to public
officers or servants. This is as it
should be. 1t makes for true democ-
racy, and is the fruit of the teach
ings of the Nonpartisan League,
which has awakened the people in
general, and the farmers in this State
in particular, to a keener and fuller
sense of responsibility of their citizen
ship.
In view of this, I shall try to give
to the public an accounting or resume
Of my work, as Commissioner of In
surance, during the first year of ad-
ninistration.
It was with more or less trembling
and apprehension that / undertook to
supervise the insurance business as it
appertains to this office, for the great
State Of North Dakota. But, owing
to the efficiency and ready co-operat-
ton of former Deputy w. D. Austin,
whom retained in office, all came
out we'll, even beyond expectations,
AZ far as the technical or routine work
was concerned. (Mr. Austin resign
ed Aug. LIST, 1919
My First Task.
1t may not be generally known that
eur insurance laws provide that all
foreign (out of State) insurance COM
panies must publish in some news
paper Of general circulation, at least
three times, in each judicial district
Of the State, where such company mas
maintained an agency, statement OF
me business done each year. Inc
state and county mutual insurance
companies need only publish in one
newspaper, selected by themselves;
There being 283 companies OF all
kinds, one will readily see the magnl-
tude of this patronage when the aver
age cost of publication for each state
ment is about $500. The newspapers
Of the state thus reap q harvest OF
from $4,000 to $4,000 annually
from this source. Quite powerful
factor indeed to be left with the Com
missioner, politically speaking. Some
doubt exists as to the worth OF this
kind of publicity, but, unless some
plan is devised by which this money
could revert back to the purchaser OF
insurance, by way Of cheaper prem
iums. it is far better to distribute the
same amongst the papers Of the state
than to allow it to escape with the
rest of the enormous sums we pay
cut every year for insurance to east
ern concerns. =,
have been criticized by both sides
for the way handled this distribution
Of insurance statements, OF course.
Some Of the papers in opposition to
The administration accuse me OF favor
ing the League press and my League
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1918-04-18

individual exploiters to organize new
companies for their own selfish gain
regardless of whether there is any
need of such company.
And | point with pride to the fact
that, although inexperienced myself
and with partly new help, we have
managed to get along with one less
clerk than the customary force since
August l, 1917, thus saving the state
$500 per month, in spite of the in
crease in work over former years.
This | ascribe to the efficiency of my
assistants, than whom there are none
better. Owing to the large number Of
domestic companies being due for ex-
animation during next summer, addi-
tional help will be necessary however.
We have also put in operation the
state bonding department, and inaug-
urated a system Of our own for the
expedient and proper handling of this
important branch.
S. A. OLSNESS,
Commissioner of Insurance.
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1918-04-18

friends think / have been too liberal
with the enemy press. There you
are! Anyone who has had any exper-
fence with humanity knows that it is
impossible to suit everybody. The
Lord, Himself, fails dismally at such
task-so, why not 1?
I have striven to be fair, however,
and considered the rights accorded
the insurance companies under this
law, as we'll as to observe the real in
tent Of the law, namely-Publicity. It
1t has been the custom of my prede-
cessors to allot TO the big dailies five
or ten times the number of state
ments the small weekly would get.
This, l believe, was wrong, even from
the view of publicity, because Of the
Implications ensuing, as thousands of
homes are reached through the little
home paper. only.
The Disastrous So-called Crop Insur-
ance, and My Critics.
1t is not my purpose to burden my
readers with a detailed description Of
this new phase of insuring growing
crops. Suffice to say that the plan
proposes to guaranty the insured a
return of $500 per acre for a prem
ium of 10 per cent, against practically
everything except flood, fire and bad
husbandry.
Only two companies, namely-The
Bankc,s Insurance Company, Helena,
Montana, and the National Union Fire
Insurance Co., of Pittsburgh, Pa, Of
fercd to write this kind of a contract
in the state during the past season.
While it is an unique departure from
the ordinary hail insurance, l believe
it commendable in that it eliminates
the speculative feature of the latter,
and more nearly approaches the plan
Of fire underwriting, insuring the &C
tual investment, instead of the pros
pect or profit.
Having seen some general crop
failures during my 80 years of resi-
dence in the State, was somewhat
skeptical as to the ability of the COM
panies to meet eventual obligations,
but the fact that their business would
be scattered over three states, and
that reinsurance on good portion OF
it was promised, considered the
scheme reasonably safe. I believe
the plan is feasible if backed by the
state or government, and note with
satisfaction that the idea has been
discussed and recommended by farm
ers' conventions and in press notices
lately.
As to My Critics.
Having learned that my department.
has been roundly scored by some and
notably the Minot Messenger, for per-
hitting this kind of insurance, and
especially for admitting the Bankers
Insurance Co., to the state, l wish to
say word in explanation: The po-
sition is taken by many, that the
Commissioner Of Insurance has vest
ed in him the power to admit or bar,
at will, any insurance company, when
ever he may choose to do SO. This 10
not the case, and would indeed be .
dangerous autocracy. The insurance
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1918-04-18
FARMERS As BANKERS

FARMERS As BANKERS
$50 Paid on Savings Accounts.
500 Paid on Time Certificates.
Checking Accounts, Insurance.
Open Saturday Evenings.
First Farmers Bank Of Mlnot.
FARM LOANS AND CITY LOANS
The Savings Loan e. Trust Co.,
Sons Of Norway Bldg, Minot, N. d.
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1918-04-18

, 9 @ O . Q Q 9 o @ O @ @ 8 o "
ANNOUNCEMENT TO PUBLIC Q
The undersigned announce Z.
y that they have moved their re- 9
spective offices from their for O
mer locations to the Ringo block, @
South Main Street. Telephone o
) 1880.
DIR. HARRIS M. GREENFIELD. o
) DIR. F. j. BRUGMAN. @
DIR. P. A. NESTOS. O
o o o o o o @ {. o o @ @ 9 o o o
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1918-04-18
GOGGLES

Protect your eyes by using google
that is both serviceable and COM
Portable.
Look over our excellent assort-
ment of goggles. We have them at
prices ranging from. Csc to $500 a pair
Goggles to protect your eyes from
the bright sun, from dust, or from
the wind. Celluloid or glass leather
faced goggles; clear, amber or smok-
ed glass, properly ventilated, with
adjustable elastic head band.
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1918-04-18
JONTEEL TOILET PRE-
pARATIONS

blow anybody some good.
A few things accomplished by the
Farmers Insurance Commissioner
during the first year Of administra-
ton: