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John Murdoch.-Left the service of the Compania Limitada del Ferrocarril Central Mexicano, in November, 1898. Worked for the Interoceanic Railway of Mexico from December 21, 1898, to January 4, 1899. Last address February 26, 1900, was Calls de Santa Iries No. 4, Mexico City, Mexico. Anyone knowing anything about the said John Murdoch or his present whereabouts will please communicate with Alex Dunbar, Box 48, Palmerston, Ont.

Lost Traveling Cards, Etc.

This office has been notified of the loss of the following traveling cards, receipts, etc., and the request is made that all members be on the lookout for them. Should they be discovered in possession of persons not entitled to them, they should be retained and forwarded to owner or to the secretary of the lodge which issued

same:

Receipt of James A. Welling of Lodge 275.-Receipt for the quarter ending March 31, 1903, lost while looking for employment in Marshall, Tex. If found please return to James A. Welling, Little Rock, Ark.

Traveling Card of Emanuel Ricker of Lodge 107.-Traveling card lost. If found please return to G. W. Bellis, Secretary Lodge 107, 560 South Market street, Galion, Ohio.

Receipt and Traveling Card of W. B. Harkins of Lodge 607.-Receipt and traveling card has been lost and the brothers are requested to look out for same. If found please return to W. B. Harkins, Box 451, Ogden, Utah.

Acknowledgments.

The following persons desire to acknowledge receipt of payment of claims, and to express their gratitude to the Brotherhood of Locomotive Firemen as an organization, and to the individual members for kindnesses and courtesies extended:

Caroline Crossley, Belleville, Ont. Mrs John Conway, Newton, Kan. Addie Laughton, conservator of George Laughton, Leadville, Col.

Rebecca Corl, Blue Knob, Pa.

B. B. Lytle, Finleyville, Pa. Fred Krauel, Highland Park, Ill. Mr. and Mrs. Abram Myers, Kansas City, Kan.

Balls and Entertainments.

Courteous invitations have been reIceived at this office to attend the follow

ing balls and entertainments. The Grand Lodge force returns thanks and wish all an enjoyable and successful time:

Lodge 13.-Fifth grand ball at Columibia Hall, corner of Cator and Ocean avenues, Jersey City, N. J., Tuesday evening, February 10, 1903.

Lodge 163.-Fourteenth annual ball, at Bluff City Hall, Pine Bluff, Ark., Tuesday evening, January 27, 1903.

Lodge 157.-Third grand ball, at Grand Army Hall, Peru, Ind., Thursday evening, February 19, 1903.

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Lodge 79.-Fourth annual ball, Vandercook Hall, Cherokee, Iowa, Thursday evening, February 12, 1903.

Lodge 579.-Second annual ball, at Opera House, Montevideo, Minn., Thursday, February 12, 1903.

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Lodge No.

Amount.

Beneficiary Statement

TO SUBORDINATE LODGES:

OFFICE OF GRAND SECRETARY AND TREASURER, } The following is a statement of receipts in the Beneficiary Department for the month of January, 1903:

PEORIA, ILL., February

RECEIPTS.

1370 00 2 38 00 3 637 50 4 128 00 5.314 25

Amount.

6

7 122 25 8 342 75

9

Amount.

888 Lodge No.

Amount.

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:

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63 118 00 125 60 50 187 80 00 249 163 00 311 85 75 373 99 75 435 70 00 497 111 75 559 64 00
64 197 25 126 107 75 188 247 25 250 164 75 312 107 00 374 118 25 436 207 25 498 77 75 560 44 50
65 164 00 127 140 75 189 172 25 251 264 75 313 69 25 375 80 50 437 27 75 499 39 50 561 49 25
66 125 75 128 74 00 190 16 00 252 256 00 314 158 75 376 68 75 438 70 50 500 74 50 562 100 75
67 144 25 129 208 25 191 139 75 253 167 50 315
377 168 50 439 32 25 501 105 00 563 141 00
68 93 00 130 269 75 192
254 111 50 316 210 00 378 419 75 440 156 00 502 150 50 564 59 25

82 00 565 50 50
38 25 566 105 75
62 75 567

76 75 568 106 75

42 75

53 50

38 25
49 25
62 75

10 605 50
11 187 25
12 290 50
13 382 25
14 280 25
15 112 75
16 295 50
17,210 00
18
19 198 25
20 38 00
21 161 75
22 71 50
23 85 00
24 168 00
25 307 25
26 193 25
27 196 75
28 156 25
29 93 25
30 137 25
31 84 50
32 162 75
33 101 25
34, 246 00
35 76 50
36 141 00 98 149 25
37 129 50 99 499 00
38 102 50 100

91

69 66 25 131 54 00 193 71 50 255 78 75 317 74 75 379,184 50 441 130 75 503 70 117 25 132 113 00 194 219 00 256 80 50 318 288 50 380 22 00 442 64 00 504 71 201 00 133 155 50 195 87 50 257 94 50 319 148 25 381 136 25 443 112 25 505 72 361 50 134 106 501196 46 25 258 ... 320 73 75 382 84 25 444 161 00 506 73 246 75 135 150 75 197 106 75 259 78 50 321 59 25 383 126 75 445 69 00 507 39 25 569 69 75 74 132 50 136) 198 181 00 260 121 50 322 51 25 384 102 00 446 349 50 508 189 50 570 75 422 00 137 77 50 199 111 00 261 50 75 323 84 00 385 75 00 447 51 50 509 51 00 571 76 27 50 138 281 25 200 102 25 262 174 75 324 63 25 386 26 00 448 452 25 510 167 00 572 77 330 00 139 226 75 201 222 00 263 111 00 325 120 50 387 48 50 449 173 00 511 131 00 573 78 196 25 140 323 50 202 153 50 264 69 25 326 243 75 388 195 50 450 119 00 512 84 00 574 79 43 50 141 389 75 203 194 75 265 230 75 327 174 25 389 105 75 451 90 25 513 111 75 575 80 195 50 142 209 75 204 133 50 266 157 00 328 69 50 390 150 00 452 90 75 514 80 25 576 61 00 81 147 75 143 215 25 205 95 50 267 150 00 329 54 00 391 149 00 453 515 87 25 577 82 208 25 144 206 55 00 268 32 50 330 175 00 392 149 75 454 132 00 516 578 68 25 83 197 25 145 227 75 207 200 00 269 163 25 331 51 25 393 119 50 455 90 50 517 579 47 25 84 159 25 146 312 50 208 83 75 270 109 75 332 106 00 394 18 00 456 74 25 518 31 25 580 18 00 85 169 50 147 161 00 209 151 25 271 94 00 333 249 00 395 72 25 457 137 50 519 113 50 581 20 50 86 185 75 148 116 25 210 59 75 272 49 50 334 190 75 396 110 75 458 33 00 520 43 75 582 128 00 87 80 50 149 708 00 211 179 50 273 149 50 335 397 45 00 459 60 00 521 67 00 583 52 50 88 119 00 150 204 50 212 114 75 274 53 75 336 70 75 398 79 75 460 63 75 522 584 89 66 00 151 85 75 213 173 25 275 249 75 337 185 50 399 47 00 461 523 82 75 585 88 50 90 152 149 00 214 235 25 276 151 75 338 152 00 400 139 25 462 109 75 524 15 00 586 153 110 25 215 234 00 277 95 00 339 46 25 401 234 75 463 133 50 525 69 75 587 113 75 92 99 75 154 107 25 216 80 00 278 23 50 340 126 00 402 76 00 464 526 34 50 588 34 00 93 106 25 155 138 50 217 133 00 279 58 50 341 201 25 403 41 00 465 213 25 527 96 25 589 60 75 94 264 25 156 188 75 218 207 75 280 94 25 342 171 25 404 466 106 50 528 92 50 590 125 00 95 36 50 157 63 50 219 175 00 281 156 50 343 405 135 00 467 63 25 529 162 25 591 35 50 96 134 25 158 71 50 220 433 00 282 24 75 344 406 40 25 468 37 75 530 104 50 592 47 00 97 159 126 00 221 155 25 283 100 75 345 154 75 407 97 75 469 55 00 531 68 50 593 33 00 160 114 75 222 159 25 284 403 50 346 408 149 00 470 153 00 532 48 50 594 86 25 161 25 00 223 196 00 285 274 50 347 82 00 409 118 50 471 36 25 533 63 25 595 54 25 162 276 25 224 49 50 286 348 98 25 410 156 75 472 176 00 534 167 00 596 99 25 39 115 25 101 262 25 163 130 50 225 43 75 287 490 75 349 293 50 411 186 75 473 65 00 535 60 00 597 54 50 40 102 92 50 164 88 75 226 204 25 288 111 75 350 412 130 25 474 107 25 536 46 25 598 79 00 41 103 153 00 165 58 00 227 58 25 289 129 75 351 29 50 413 38 75 475 112 00 537 599 32 50 42 30 00 104 127 25 166 247 50 228 334 50 290 50 414 78 75 476 52 00 538 103 75 600 58 25 43 74 50 105 63 00 167,102 50 229 255 25 291 415 477 539 80 50 601 66 50 44 168 75 106 74 00 168 94 00 230 538 50 292 75 416 333 00 478 173 25 540 137 50 602 102 50 45 333 00 107 196 25 169 315 50 231 326 00 293 417 81 25 479 117 25 541 73 75 603 33 00 46 54 25 108 131 25 170 89 75 232 157 00 294 89 00 356 146 75 418 380 00 480 38 00 542 118 00 604 28 75 47 255 50 109 181 75 171 78 00 233 142 50 295 192 50 357 61 75 419 88 00 481 100 00 543 218 00 605 62 00 48 283 25 110 146 75 172 75 50 234 83 75 296 163 00 358 63 50 420 102 50 482 136 25 544 73 00 606 42 50 49 66 75 111 152 25 173 164 00 235 330 25 297 144 75 359 47 50 421 56 75 483 545 76 25 607 48 00 50 38 00 112 43 25 174 833 00 236 335 75 298 104 50 360 122 50 422 66 75 484 130 00 546 61 50 608 51 144 75 113 189 25 175 295 50 237 382 50 299 112 50 361 84 00 423 50 00 485 676 50 547 52 213 50 114 45 00 176 158 00 238 183 75 300 136 25 362 46 00 424 82 75 486 95 75 548 53 98 75 115 177 119 00 239 156 50 301 93 00 363 295 50 425 81 00 487 18 25 549 54 165 50 116 78 00 178 217 75 240 233 50 302 210 00 364 164 00 426 174 25 488 71 00 550 55 46 00 117 98 75 179 27 00 241 220 00 303 91 50 365 62 00 427 67 25 489 115 50 551 56 105 00 118 55 75 180 12 00 242 208 00 304 366 58 75 428 63 50 490 145 00 552 57 487 25 119 89 00 181 34 25 243 91 00 305 66 50 367 92 00 429 121 50 491 39 50 553 58 106 00 120 155 25 182 217 25 244 103 50 306 221 75 368 101 25 430 492 149 50 554 58 25 616 39 00 59 337 25 121 569 00 183 170 25 245 111 50 307 133 50 369 99 75 431 240 50 493 90 00 555 36 00 617 31 00 60 240 25 122 46 25 184 75 00 246 122 50 308 46 00 370 24 50 432 210 00 494 102 75 556 54 75 618 25 00 61 124 00 123 165 75 185 84 50 247 253 00 309 293 75 371 109 50 433 56 50 495 62 00 557 148 00 619 42 50 62 79 75 124 152 25 186 7 75 248 173 00 310 158 25 372 119 50 434 108 50496| 558 75 50

90 25 352 104
83 00 353

49 25 354 171
99 50 355

42 50 609 43 75
66 75 610 33 75
69 50 611 42 75
40 75 612 65 50
90 75 613 43 25
94 50 614 148 75
54 00 615

Received during month of January...........

Disbursed during month of January, account Beneficiary Claims.............
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Respectfully submitted,

(36 $1,500
4
1,000
500

3

854,000
4,000

1,500

Amount.

.876,893,25

.$59,500.00

J. Grundo

G. S. and T.

Quarterly Dues Notice.

OFFICE OF THE GRAND LODGE, B. of L. F.
PEORIA, ILL., March 1, 1903.

To Members of Subordinate Lodges:

SIRS AND BROTHERS:-You are hereby notified that the dues for the quarter ending June 30, 1903, are now payable and must be paid to the Collector of your Lodge on or before April 1, 1903. Said dues shall be such an amount as may be determined by the several Lodges, provided, in no case shall it be less than nine dollars ($9.00) for each member carrying a beneficiary certificate of three thousand dollars ($3,000), six dollars ($6.00) for each member carrying a beneficiary certificate of two thousand dollars ($2,000), four dollars and fifty cents ($4.50) for each member carrying a beneficiary certificate of fifteen hundred dollars ($1,500), three dollars and fifty cents ($3.50) for a member carrying a certificate of one thousand dollars ($1,000), and two dollars ($2.00) for a member who shall carry a certificate of five hundred dollars ($500). All beneficiary members now enrolled, and those admitted prior to May 1, 1903, are liable for the dues above referred to. All members initiated during the months of May and June will be exempt from the payment of dues for the said quarter, as provided in Section 172 of the Constitution. Beneficiary members initiated during the month of April are liable for the full amount of quarterly dues for the above quarter. All officers and members are earnestly requested to give the foregoing their careful and strict attention, and govern themselves accordingly. Any member failing or declining to make payment as above provided will be subject to the penalty of expulsion from the Order, as per Section 174 of the Constitution, said expulsion taking effect April 2, 1903.

Yours fraternally,

F. W. ARNOLD, G. S. and T.

J. J. HANNAHAN, G. M.

Notice to Treasurers.
OFFICE OF THE GRAND LODGE, B. of L. F.
PEORIA, ILL., March 1, 1903.

To the Treasurers of Subordinate Lodges:

SIRS AND BROTHERS:-You are hereby notified, as provided in Section 62 of the Constitution, that no beneficiary assessment is required for the month of March, 1903, and that therefore none has been levied for said month.

Yours fraternally,

F. W. ARNOLD, G. S. and T.

J. J. HANNAHAN, G. M.

Notice to Secretaries.
OFFICE OF THE GRAND LODGE, B. OF L. F.
PEORIA, ILL., March 1, 1903.

To Secretaries of Subordinate Lodges:

SIRS AND BROTHERS:-Pursuant to Section 174 of the Constitution, you are required to report to the Grand Lodge as expelled all members who fail to make payment of their Quarterly Dues or Protective Fund Assessments for the quarter ending June 30, 1903. The names of said members must be reported to you by the Collector of your Lodge not later than April 2d, and by you reported to the Grand Lodge, as per Section 174 of the Constitution, immediately thereafter. Failing to report the names of expelled members as herein provided, the Grand Lodge will hold subordinate Lodges liable for their assessments, as per Section 65 of the Constitution.

Yours fraternally,

F. W. ARNOLD, G. S. and T.

J. J. HANNAHAN, G. M.
Protective Fund Assessment Notice No. 2.

OFFICE OF THE GRAND LODGE, B. OF L. F.
PEORIA, ILL., March 1, 1903.

To Members of Subordinate Lodges:

SIRS AND BROTHERS:-You are hereby notified that Protective Fund Assessment No. 2 for the quarter ending June 30, 1903, is now payable and must be paid to the Collector of your Lodge on or before April 1, 1903. All beneficiary and non-beneficiary members now enrolled and those admitted prior to May 1, 1903, are liable for this assessment. All members initiated during the months of May and June are exempt from the payment of Protective Fund Assessment for the above quarter. Any assessable member failing or declining to make payment as above provided, will be subject to the penalty of expulsion, said expulsion taking effect April 2, 1903.

Yours fraternally,

F. W. ARNOLD, G. S. and T.

J. J. HANNAHAN, G. M.

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In an official circular issued January 20, 1903, Grand Master Hannahan, under the head of "Ladies' Society," pays a tribute to our Order. He also calls the attention of the members of the B. of L. F. to their duty, in regard to the Ladies' Society. He writes as follows: "In my travels throughout the country it has been a pleasure to note the good work that has been accomplished by the Ladies' Society of the B. of L. F. A number of instances have come to our notice where our lodges owe a large amount of their prosperity to the assistance that is given to them by the Ladies' Society. The members of said Society seem to vie with each other in their efforts, not only to make their Society a success, but in every way possible to advance the interest and welfare of the lodges of our organization, and there is no denying the fact that they are accomplishing a great work in this direction. It is the duty of the members of our organization to do all in their power to assist the ladies in making their organization a success, and we hope that our members will not let an opportunity pass by that will enable them to do what they can to build up the Ladies' Society B. of L. F. They certainly deserve the encouragement and assistance of every member of our organization, and we trust that all will join hands and do what they can to help them along."

The Ladies' Society is most grateful for these words of appreciation and encouragement. They can not fail to be of great benefit to the Society.

Grand Master Hannahan has always stood ready to assist the Ladies' Society

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and many times has gone out of his way to aid and encourage our lodges. At Chattanooga he was kindness itself. Long may the B. of L. F. be permitted the guidance of that brainy, far-seeing leader, John J. Hannahan, who, since his election to the office of Grand Master, has made a record over which the B. of L. F. is more than enthusiastic and of which every sister in the Ladies' Society is proud.

Fraternal Insurance.

The national meeting of the Modern Woodmen will be held in Indianapolis June 16th. Of this meeting the Bee Hive says: "No event in the year will equal in importance, to all fraternal insurance orders, the meeting of the Head Camp."

According to statements made by the head officers, a crisis now confronts this society, that not only threatens its own welfare but the welfare of the fraternal beneficiary system of co-operative insur

ance.

As we are one of the fraternal insurance orders, young enough to profit by the experiences of others who have made errors, errors that we may avoid by planning well, it behooves us to take no small amount of interest in the outcome of this meeting to be held at Indianapolis.

The whole fraternal field has been benefited by the knowledge of insurance that has been furnished by the Woodmen during the last year. Their best deputies have been sent over the country to explain and discuss the principles of insurance, especially as these principles govern rates or cost.

Not only the members of the Ladies' Society, not alone members of women's fraternal beneficiary associations, but mankind in general, know too little about the principles of life insurance. A student of insurance has said: "The history of life insurance has taught no lesson with greater emphasis than this, that ignorant or unscrupulous power is dangerous." All power in the Ladies' Society is vested in the membership. The voice of the members, as expressed through their delegates, in convention assembled, is the supreme will. The membership and the membership alone will decide the future of our insurance. True your grand officers have an official responsibility and they must be competent to guide and direct, but they are elected from among our members. There is nothing surer than this, the hope of any society is not in the wisdom of its president nor the justice and purity of the administration of its affairs, so much as in the individual character and the practical education (in regard to the important affairs of the society) of its membership.

Every member has a part in the upbuilding of our organization. Every member is a stockholder in the insurance department of the Ladies' Society. Why should she not study its interests? We, like other fraternal insurance organizations, have "promised to pay"-promised to pay the amount specified in every policy ever written by the Ladies' Society, whether it matured last year, today, or will mature tomorrow or twenty-five years from tomorrow.

If the Ladies' Society promises, in honor, to meet obligations twenty, twentyfive or thirty years hence its members must be sure it will endure, that its foundations are laid deep. There must be no inadequate rates to submerge our whole Society in their readjustment. Neither must our rates be too high. Correct rates for fraternal life protection are based on cost. Since fraternal insurance has become a science it is no longer necessary for one, who will stop and think about it or inquire into it, to guess at what their insurance should cost. Those members who do not understand the basic lines of insurance protection should read them up. Read the history of fraternal life insurance from the day when John J. Upchurch was inspired to found the order of the A. O. U. W. to the present day, note the mistakes that were made and the disasters that followed because of them. You will hear of the National

Fraternal Congress whose last session was held in Buffalo; inquire into the nature of its proceedings. See how much you can find out regarding reserve funds, etc. Then sit down and send the information you have thus gained to the Ladies' Department. Never mind the spelling, the composition or the punctuation—just furnish the facts and ideas; 'tis easy to do the rest. Thus will we show to all whom it may concern, that while we are keeping bright the fires of fraternalism, nursing our sick, burying our dead, we are also looking well to our business foundation and that we are basing our insurance on sound insurance principles.

Poor Risks.

Why should the desire to make a lodge a social success lead those already members to use any influence to have unsafe risks admitted? Scan our death report from month to month. Is not our burden now as great as we should bear? A recent writer on the "Future of Fraternal Beneficiary Societies," says: "A fraternal beneficiary society is the bridge designed to carry, in safety, across the stream of life, protection for the beneficiaries of the members. Do we want the felled tree, the rope hoist, the pontoon or any other temporary makeshift? If the bridge is properly constructed of iron, with rods (rates) sufficient to sustain the burden placed upon them; if its approaches (the doctors) are properly guarded; if the engineer (the management) runs the train at proper speed without too sudden a reversal of the lever, then the bridge will be permanent for all time."

The progressive and advanced fraternal beneficiary societies of today, realizing that the very life of their organization is menaced by poor risks are guarding more and more closely the approaches thereto. In order that their local physicians may be in a position where honest work will not endanger their retention in office, they are placed under the direct control of the head physician who has power to appoint and commission the local physicians, recommended by local lodges, and who alone has power to remove.

The Ladies' Society will obtain the best results if their subordinate lodges elect local examiners who are skilled physicians. Local examiners, too often, "wink the other eye" and recommend the acceptance of an uncertain risk simply because they can not afford to offend the family

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