The Oklahoma Workman (Guthrie, Okla.), Vol. 10, No. 8, Ed. 1 Tuesday, August 1, 1905 Page: 3 of 8
This newspaper is part of the collection entitled: Oklahoma Digital Newspaper Program and was provided to The Gateway to Oklahoma History by the Oklahoma Historical Society.
Extracted Text
The following text was automatically extracted from the image on this page using optical character recognition software:
TILE OKLAHOMA WORKMAN.
/
\
Total Abstinence and Death
Rate.
There has been considerable recent
discussion as to whether or not the
drink habit shortens life. A writer on
insurance themes not Ions ago, in
touching upon this subject, pointed out
that the safe limit of risk, thoretically
at least, is not over thrrt ounces of
whisky or its equivalent per day. The
Independent of last week called atten-
tion to the declaration of Sir Frederick
Treves, a distinguished English medi-
cal authority and surgeon to King Ed-
ward VII, that alcohol is a poison
and that it is an injury to the system
when taken even in a moderate degree.
In view of all this the paper by Joel
G. Van Cise, actuary of the Equitable
Life Assurance Society of the United
States, on the "Effect of Total Absti-
nence on the Death Rate," printed a
short time ago in pamphlet form, be-
come particularly interesting and per-
tinent. In the operating portion of his
paper. Mr. Van Cise refers to some
figures derived from the experience of
tb Mutual Life Insurance Company of
New York, as cited by Mr. Emory Mc
Clintock, in a paper prepared by him
in 1895, entitled "On the Hates of
Death Loss Among Total Abstainers
and Others."
In the matter of longevity those who
are total abstainers appears to have tin-
best of it since, according to Mr. Van
Cise, the percentage among abstainers
of the actual death loss to be expected
death loss was 78, while the corre-
sponding percentage among the non-
abstainers or moderate drinkers was
!M>. These figures will be cordially
wedcomed by those who are looking
for arguments in favor of total ab
stinence and prohibition.
Tlw- nnpsitinn of llHl'.llftfii'J** ill
holic beverages is one of (lie world
wide interest, and as high an authority
as the late William E. Gladstone has
declared that intemperance has been
productive of more evil than war, pes-
tilence and famine combined. The
lessening of such an evil may well seri-
ously engage the attention of the offi-
cers of any life insurance company.
Drunkenness is universally condem-
ned and deplored, but all drunkiness
began with moderate drinking. Mr
Van Cise.states thai the effect of total
abstience is to lower the death rat"
and to increase the average duration
of human life. He appears satisfied
that it is so and he logically close--'
his argument with a plea for total ab-
stinence which may well be more care-
fully considered and heeded, even if
he may not have absolutely proved
his case.
Commence Mow.
Why is it so much money is spent
every year in the various forms of ad-
vertising?
Here is a question, when rightly an-
swered, which is an object lesson to
every Order like ours. New business
is the one aim of every man or com-
pany that spends money in advertis-
ing. and the only way to obtain it
is to tell the public you have what it
wants and how much it wants.
There is 110 question how much
every one wants fraternal protection,
and the only way to tell them so is for
every member belonging to an Order
to do the work, calling attention to
his Order, explaining what it has done
for others; in fact, all the little argu-
ments that will tend to convince the
party that he is neglecting an oppor-
tunity before him; that in years to
come, if he does not take advantage
of it, will cause liini many hours of
sorrow, because he may want to join
then and he cannot, owing to some
physical trouble.
Members, are you advertising the Or-
der? Your own interests are as much
at stake as the Order's to which you
belong. The small sum you are called
upon to pay in dues and assessments
does not place in the hands of the
officials a sufficient sum to allow ir
to direct the public's attention to the
Order, and it must rely wholly upon
the willingness of the individual mem-
bers for such service.
Fraternal Orders must grow in order
to meet their obligations, no one will
deny this; so it behooves the members
to exert themselves in every way pos-
sible to promote the membership.
We realize you are all busy and have
very little time to use for the Order,
but you can ask some friend to go
with you to your lodge meetings, say
once a month, where they can meet
the other members who have provided
some little entertainment for the even-
ing. One meeting night a month
could lie given up to this idea, and we
think it would show the wisdom of the
trial.
Any other scheme will do as well,
only get some interested, and to do
this you must show your interest your-
self. We want to make this year
the best in the history of our Order,
and we want the members to com-
mence now to do their part. Will you
do it?
Some Dangerously Careless.
Every Order has a few members that
are proverbially behind with their pay-
ments. Occasionally a member will
be found who regularly suspends him-
self by neglecting to make payment
upon the dav a payment becomes due
and carelesslv lets the matter run a-
lonsr until there is just time enough in
which he can reinstate, when he pavs
up onlv to be suspended again in a few
days and repeats the operation of sus-
pension and reinstatement even'
month. Of course this mav do no
particular harm as long as nothing
hannens. but members are liable to die
while they are still suspended, in
which case their beneficiaries have no
claim upon theOrder, and the order has
no authority bv law to pay a claim
to the beneficaries of -i suspended
iiinnbei. ami fould not (jo so iesraity
under anv circumstances.
The members of a fraternal benefi-
ciarv society who lets the day upon
which bis assessment is due. go bv
wiiiiout uiakiinr,nroner provision for it,
simply because it is not convenient to
snare the amount necessary or. for
anv other reason, is taking a dansrer-
ous risk that may some day prove dis-
tstroiis to his beneficiaries. Tt is hard
to believe that some of the persons
who have this careless habit about
malting pavments, fully realize the
risk they are taking.
Salary List of the New York
Life Insurance Company.
Members of fraternal orders who
sometimes growl at the expense of
management of their order will re id
with interest the following list of sal-
aries paid by nne of the "Rig Three"
companies. We invite a comparison
of this list with the salary list of the
A. O. IT. W.:
President John A. McCall ....$100,000
Vice-Pres. Oeo. W. Perkins .. 25,000
Vice-Pres. Thos. A. Buckner . . 35.000
Vice-Pres. Darwin Kin^sley. . 40,000
2nd VicerPres. Tt. W. "Weeks. . 18,000
2nd Viee-Pres. Wm. F. Ingersoll 21.000
2nd Vice-Pres. F. R. Perkins.. 30,000
Treas. Edmund D. Randolph.. 30,000
Sec. John C. Mcfall 14,000
Sec. Seymour H. Ballard 10,000
Yearly tot; 11 to ten officers..$323,000
Salaries and enmpensations of
several other officers and
home office employes 577,470
Total yearly office salaries. .$900,476
The Biblical tale of the man who
was given one talent and who hid it,
and also of the one to whom five tal-
ents were given with which he double!
bis money, may well enough illustrate
the present day earner of a wage. Kr-
is given a certain amount each month.
He has the opportunity, while his
health lasts, of placing a portion of it
in a life protection certificate which
will, in time of need to his family be
returned to them manyfold. On the
other hand is the man who can af-
ford to invest his money for the pro-
tection of his family but refuses to
do. The time comes for him to die and
the result is that he has left merely the
one talent for his family. The thous-
and, which they need and which they
might have had, are K. king because
he failed in performing a duty. TTe
was given health and the means and
the opportunity to join a fraternal 01
der, he refused to take advantage of it
all.
Worth of Fraternities.
The man who chooses fraternal or-
ders is either narrow in nature, or ig-
norant of their labor of love; the
woman that objects to fraternities is
either selfish or uninformed.
Second only to humanity's sacred re-
ligions, comes the beautiful mission
of secret societies bound together in
the bonds of brotherhood. They min-
ister to the sick—no day too hot nor
too cold for them to relieve a brother
in distress! You ask: "Would it not
be better if all these things were done
in the name of Christ rather than in
the name of fraternity?" Answers ours.
"Yes!" But, kind friend, if you wait
tor that day you may linger and suf-
fer alone—because the churches have
not paid strict attention to organizing
their sick relief departments.
Fraternities are valiant protectors of
womanhood—a true fraternity man is
1 noble gentleman, the loyal defender
of the good name of every brother's
household. If womankind could real-
ly find out the value that secret so-
cieties are to them, aye, than, no
woman would dare to trust her heart
and hand in the keeping of a man
who belonged not to the safe frater-
nity. Fraternity is the needed link,
the faithful tie, the good Samaritan,
the nurse for the sick, the guardian
of the dead, the sleepless friend of the
helpless!
Success and Confidence
The success of an Order depends on
it •«: in jntfnjrg i-nnfiflnnAA j*-
members anil the public at large. The
best criterion by which an order
should be judged is its records of the
past and its prospects for the future.
The A. O. IT. W. invites an inspection
of its records of the past and its plans
for the future. Over thirty-six years
in existence, and during that time It
li as disbursed over $140,000,000. It has
never contested a just claim, never
scab-it a certificate, never compromised
•a claim. So much for the past. Its
future inspires confidence because of
its large and constantly Increasing
membership, because it exercises the
greatest care in its selection of risks;
because its rates are based upon its
own experience, tested by the tables
of mortality and proved to be actu-
ally correct; because its members
have confidence in those they have cho-
sen to manage its affairs, and because
in this Order every member has an
equal voice and vote In everything
that pertains to the society.
the Modern Woodmen of
America.
The head camp of Modern Wood-
men of America opened its fourteenth
biennial session in Milwaukee, Wis.,
on June 20. There were present over
600 delegates representing the various
camps. The reports of the head offi-
cers show that during the two years
preceding 121,639 new members were
admitted and that during the same pe-
riod 117,415 members were suspended,
leaving the net gain in membership
during the two years 4,224. There
were 2,991 deaths from accidents, «04
from suicide, of which 248 were farm-
ers, or 30.85 per cent of the total num-
ber. Dr. Warner, Past President of
1 lie Fraternal Congress, addressed the
convention on behalf of the National
Fraternal Sanitarium for Consump-
tives. In the course of his remarks the
doctor said that of the 700,000 mem-
bers of the Modern AVoodmen of Amer-
ica, n ore than 100,000 were doomed to
die of consumption.
John Sullivan, chairman of the Law
Committee, urged upon the Association
the necessity of revising the existing
rates of fraternal insurance, declaring
that unless a revision was made with-
in a few years the Modern Woodmen of
\merica would suffer hopeless bank-
ruptcy.
A fraternal protective order which
has lived a healthy, wholesome life for
thirty-six years, ought to he able to
bold the confidence of the best people
on earth. There are old line insurance
companies which cannot point to a
record as trust-worthy as the one of
the Ancient Order of United Workmen.
Closing the Deal.
Under the above head the fraternal
Brothermood has the following, which
should be read and thought over and
acted upon by everymember of our Or-
der. Here it is:
Every man in the real estate business
(and a good many of us who are not
in it) know that the successful opera
tor in that line must be one who un-
derstands how to close the deal. A
good many failures in that business
are the results of not knowing how-
to put on the finishing touches.
What is true in real estate in this
respect is also true in life insurance.
The successful agent or organizer is
the one who can close the deal. With-
out this qualification his other splen-
did abilities will be of very little
value.
Every lodge has enthuslsatic mem-
bers who work hard for the Order,
ami are always talking it up among
their friends, but who never succeed in
inducing anyone to join. Why is if
Certainly not because they do not
want to assist in building up the
Order. We believe the exnlanation
in most cases will be found in the di-
fficulty already mentioned. They ne-
ver put the application before the pro-
spective member, and insist upon it
being signed at that time, and then see
that he goes to the doctor for examin-
ation- and yet that is the method that
htist he pursued with most people he-
fore they will join an Order.
If anv of our members read these
lines who havt had trouble of this
sort, we would suggest that they study
1 h O imnuUnn r f n1nr<in<« ♦ U« A 1 t-*1— a
■ > «it.- ucai. 1 ■ 11111
on! how some successful organizer does
the work, and then go straight after
some of those friends who have kept
promising hut who have so far put
Villi till "/\I1 rooit tmiii. • ..i /v., .1 „ J
• - ^*'<11 inciKin, (tun
the lodge will be surprised at the re-
sults.
Dying for Her.
It Is a very easy thing, as well as
a very common thing, for the lover to
declare to his inamorata that he would
willingly die for her: but something
must uC allowed for the lovers' exalt-
ed stale for the time being, so that if
is safe to sav thai, in a majority of
cases, at least, the lover is nierelv ex-
haling hot air. Doubtless, he thinks
he means just what he says hut doubt
less, were he nut to the test it would
he found that he meant nothing of the
kind.
Rut no woman who really has any
affection for a man wants him to die
for her; she would rather that he live
for her. But if a man is determined
upon dying for his wife or sweetheart,
he ought to make a complete job of it
and make his death of practical bene-
fit, to the lady in the case. He should
in a word, get his life insured in her
behalf. Then his death might prove
not an unmixed grief to the lady. The
money coming to her from the com-
pany or organization holding the risk
upon the man's life might serve as a
consolation.
Rut whether a man would die for
his wife or sweetheart, or whether he
would live for her, we (an hardly be-
lieve that his love for her is complete
and disinterested unless he makes pro-
vision for her in the event, of his be-
ing no longer able to provide for her
himself. So when a young man tells
a young woman he is willing to die
for her, the proper reply for the young
woman to make is,"Please remember to
get your life insured first." Love is
not, or should not be, all sentiment!
it should have a practical side, and it
is especially for the woman's interest
to see to it that the practical element
is not omitted. In the marriage con-
tract the woman has by all odds the
more at stake, and she fails in her
duty not only to herself, but also to
her husband, when sht permits sen-
timent to blind her to the need of pro-
vision for the future.
Morally, no man, not in independent
circumstances, has the right to take a
wife without protecting her by means
of life insurance from the privations
and worse cmfwyp pjpj pj ppj pj
time be thrust upon her.
It is not the spasmodic effort to gain
new members which makes the growth
of the Order substantial—it is "keep-
ing everlastingly at it."
Upcoming Pages
Here’s what’s next.
Search Inside
This issue can be searched. Note: Results may vary based on the legibility of text within the document.
Tools / Downloads
Get a copy of this page or view the extracted text.
Citing and Sharing
Basic information for referencing this web page. We also provide extended guidance on usage rights, references, copying or embedding.
Reference the current page of this Newspaper.
Johnson, S. L. The Oklahoma Workman (Guthrie, Okla.), Vol. 10, No. 8, Ed. 1 Tuesday, August 1, 1905, newspaper, August 1, 1905; Guthrie, Oklahoma. (https://gateway.okhistory.org/ark:/67531/metadc273739/m1/3/: accessed March 18, 2024), The Gateway to Oklahoma History, https://gateway.okhistory.org; crediting Oklahoma Historical Society.