davidaulloa/AmericanStories huggingface dataset:
The Cincinnati daily star. [volume] ([Cincinnati, Ohio]) 1875-1880, 1876-11-08
Life Insurance Its Aims and
Methods.
From the Cincinnati Gazette.

From the Cincinnati Gazette,
Life insurance has become one OF the
greatest, as it is one OF the most i'm
portant, branches Of business in the
country. During the last year the life
insurance companies OF the United
States paid to the heirs of deceased
policy holders nearly thirty million dol
lars $3.50, 900 000), and, in addition to this,
paid to liUing policy holders twenty
millions ($20, ,0OO, ,00O) IN dividends. max
ing grand total Of fifty million dollars
$3.50, 900, ,0O0) paid in single year by the
American life insurance companies TO
their policy holders; and after disburs-
ing this enormous sum, the companies
started upon the business Of 1876 with
one million (1,000,0O0) persons insured,
and held securely invested Tor the pro-
lection Of their policies the magnificent
sum of four hundred million dollars
($4O0, 900, ,00O).
During the past seven years the aggre-
pate paid to widows and orphans accord
ing to the New York Insurance Report
is $165, GIG 433. These facts give some
idea of the magnitude and Importance Of
the business.
Life insurance enables every man, no
matter Wnat his station in life may be, to
prOVlue lOT HIS ldluily III Ino 0tOhe VI LAO
early death, by small periodical pay
ments, which could not by any other
means be productive of so much good; or
il he have no family depending upon
him, he can secure an endowment
payable to himself in his old age when
the day Of labor is past. Under the law
of this State a husband can insure his
life for any amount for the benefit OF his
wife or children, free OF the claims OF
creditors, even should he become bank.
rupt. Naturally, man ls selhsh, ana
seif.contident, while the claims OIL lie
| insurance presuppose self-d1strust, pos
sibility of early death without having
| provided competency for those having
claims upon him; position which all
admit as applicable to others, but none
are willing personally to adopt for them
selves; therefore it becomes necessary
that the claims Of lite insurance be
pressed by its friends and representa-
lives. =,
a duty by all, for, as startling as tnt
figures may appear, 81 out OF every 1o'
business men pass through insolvency
and 80 out of every 100 leave no estate
when they die. During the past nyt
years there have been over 30,Vo0 tall
lures.
It ia the part Of wisdom to provide
aeaiYst every hazard. No truly wise
man will expose himself to the chances
n defeat In any contest, where 1t is pos
able to secure an absolute safeguard
and there fs no worse defeat than tha
suffered by the husband and fathel
whom death finds hnprepared, ant
who is sua:ahad sBaz fram the bosom
The Cincinnati daily star. [volume] ([Cincinnati, Ohio]) 1875-1880, 1876-11-08

any more about guilt till you hear what
the jury says"
"Weil. what about the payp said the
Lawyer.
You just hold on till the trial is over;
give K the complainant) fits on the
cross-examination, and that other fell
low he has got to back him UP, and
you'll have no trouble about the pay"
The trial commenced, and proved to
be a somewhat protracted and exciting
one. The District Attorney proved
that the money in question was COM
posed of two fifty-dollar bills on GER
tain bank, and the remainder all in ten
ldollar bills, all Of which were wrapped
I'D in a piece of oil.silk. The jury, alter
listening 10 the counse in the case and
receiving the charge of the udge, re-
tired. and soon returned with a verdict
of not guilty. The accused, who was
greatly elated over the result of The trial
and the effort OF mis- counsel, invited the
latter into one of the vacant jury rooms.
AS soon as they were alone, he slapped
his counsel on the shoulder, and ex-
claimed:
:'Free as water, amt 1? WHAT'S the
use of trying man for stealing when
you're arounu3 Now / s'pose you want
your payW
ayes, have you got anything to pay
with% said the lawyer.
"Lend me your knife and We'll see
about that"
The lawyer, slightly started at such
proposition, rather reluctantly COM
piled.
The accused Immediately commenced
ripping and cutting away at the waist
band Of his pantaioOns, and soon pro-
duced the roll of bills for the stealing Of
which he had just been tried, wrapped
up in the identical piece Of oil-silk de-
sCribed by the witnesses for the prose-
culion, and throwing it down on the
table before the astonished lawyer eX-
claimed:
"There, take your pay out Of that; l
guess there is enough there to pay you
lolerably WE'LL"
"Why, you william! you stole that
money after ALL" said the lawyer
"Do you expect can take amy Of thai
moneyW
"Stole that money! Why, what are
YOU talking aboutl Didn't them twelve
men upstairs there just say l didn'i
steal itp What's the use Of your trying
to raise question of conscience, alter
twelve respectable men have given theil
| opinion upon the subject? Take youl
pay out OF that, and ask no ques. ions.
DON'T be modest i'll taking; got 1T easy
enough, aud you've worked hard enough
for It,"
The chap didn't have much chang
left after The lawyer had satisfied hIs
"conscience" in the premises LLJlnx.
The Cincinnati daily star. [volume] ([Cincinnati, Ohio]) 1875-1880, 1876-11-08

OF his family, left, alas, a prey
to the distress, humiliations, and cruel
hardships OF poverty. or what avail are
a mans prudence and forecast, il they
fail at the crisis OF his existence? Many
a widow has asked herself the question;
"Why did he not think of thlsp He was
wise and experienced in the ways of the
world, and yet he took no palms to shield
us from this calamity"
Life insurance as an investment Is
good, and pays better returns than the
average OF investments. To illustrate,
suppose party aged thirty insured
upon the stock plan without profits
which in the end is the most expen-
sive). According to the rules OF the
Union Central Lie Insurance Company,
Of this city, the largest insurance com
pany in Ohio, and very conserva-
tive aud reliable in its management,
We find that the annual premium on a
policy of $4,000 is only $176; aud sup
pose that the party snouId live twenty
years, ne would pay the company only
SO, $40; or suppose that he should live
to be eighty years OF age, the total
premiums paid would only amount
to 81, ,S0O. If death should occur at any
time after the first payment, the full
amount of the policy, $4,000, would be
paid, and certainly the insurance IL
worth fully the interest upon the
amount paid In premiums. But as an
investment the life rate endowment
plan of the Union Central is the most
desirable, and at some future date we
may have some facts to give relative to
this peculiar plan.
The large amount of money sent to the
East for life insurance swells the cap
ital there to the great disadvantage OF
the West. The people OF OHIO and the
West should give the preference TO their
own home companies, when they are
conducted by men OF experience and ol
standing, as is the Union Central Life,
OF this city, whose interest receipts now
exceed all losses, aud its assets now are
nearly $1,000 900.
The Cincinnati daily star. [volume] ([Cincinnati, Ohio]) 1875-1880, 1876-11-08

The special correspondent of tho Lon
don Times writes from Newport:
"rhere is in the well-bred American
woman friendly frankness anu fearless
ness of manner, Of a a kind which, so lar
as my experience goes, is not to be
found in any other woman in the world,
and which irresistibly invites the merest
strangers confidence. 1t is due, sup
pose, to the non-European way in which
as a girl, she has been brought up, and
when, for want Of perfect breeding, the
manner oversteps the right line, so that
lrankness degenerates into forwardness
and fearlessness into boldness, it be-
comes as exceptionally painful as,
in its perfection, it Is exceptionally
pleasant. She is, too, almost sure to be
ouick-quicknes is essentially an
American characteristic though whether
due to climate or education, or both, l
can not say-so that you feel she will
see at once what you mean more clear
lv, perhaps, than you can say it; and
even il sue makes wicked fun OF you
and your country, which, grleye to say,
she is somewhat fond of doing, the fun
is so good and SO evidently not fun OF
malice but OF merriment, that man
must be sadly prIggsn or vain who can
feel any ything but amused at it,"
The Cincinnati daily star. [volume] ([Cincinnati, Ohio]) 1875-1880, 1876-11-08
LOCAL BREVITLES

WHO'S your hatterr
SNOW fell this morning.
Boys, let's take suthin.
HELLO, Hoop la, Tilden and Reform.
HAVE you heard from Turkey Bottom?
EPH. HOLLAND wasn't killed yester-
DAY.
IT'S over. How do you like the re-
sultp
YE who have stamps to pay prepare to
pay them now.
THE cry of "Guard the ballot-boxesW
has family died away.
ALL election bets should be paid
promptly, 10 prevent mistakes.
THE Cincinnati M@nnerchor attended
the funeral this afternoon OF the late
VIM. Kalbfel.
HENRY SMITH, a painter, fell from a
scaffOlu at The new Lookout House, on
Mount Adams, yesterday afternoon, ana
was seriously injured.
MR.. JAMES A. MEADE, Of the Grand
Opera-h0use, was severely bitten the
other night by savage dog, belonging
to MIR. BOdder, who keeps saloon al
the corner of Walnut and Gano streets.
THE office of the Ohio & Mississippi
Railroad, at No. PIT West Fourth street,
is not to be vacated, but will remain
omen. as heretofore, under the charge Of
j, f, Williams, the Superintendenfs
clerk.
ROBERT FRY, OF Clermont County,
was arraIgued on an indictment charg-
ing him with illegal voting at the Octo-
ber election. He entered a plea OF not
guilty, and was committed in default OF
$4,000 bail.
THE ladies OF the Central Presbyterian
Church, corner of Mound and Barr
streets, will give an entertainment this
evening for the benefit Of missions, in
aid of poor churches in less settled
States of the Union.
MARY BRENNER, a married German
woman, twenty-slX years old, VINO llVed
at 11O Pleasant street, died suddenly
. Yesterday morning, about O'Clock. An
inquest was held this morning and a
verdict rendered Of death from heart
disease.
GUS. MEHAN, the alleged assailant OF
Joe Lorenz OF 35 Broadway, appeared in
the Police Court this morning to answer
the charge of cutting with Intent to Kill.
The case was laid over until next Satur'
day. In default OF SlO,0O0 bail Mehan
was remanded to Jail.
DUKE HILL, Vi VI t9Stllle3 was ulouSh'
here yesterday by Deputy U. s. Mar.
shall Hunt, OF Kentucky, and arraigned
in the United States Court on an indict
ment charging him with repeating at the
October election. He pleaded mo-
guilty, and WAS sent to Jail in default
OF bail.
AS westward-bound freight train OF
the e., H. q d. Railroad, due in this city
at 5 O'Clock yesterday morning, reached
Brownsville, Indiana, it encountered ar
open switch, which had been placed 81
by some diabolical wretch who mad {
switch key, and the engine, with four
teen oars, were thrown into the ditch
Ben. Zohn, engineer, and John Kelly
fireman, were slightly injured.
THE annual meeting of the stockhold
ers OF the Indianapolis, Cincinnati
LAFAYETTE Railroad was held Monday
The following Directors were elected
VIM. A. Booth, Geo. Bliss, q. G. Ian
don, New York; Thos. II. Perkins, Bos
ton; M. E. Ingalls,, Theo. Cook, Cincin
natl: Thos. A. Morris, indianapolis
Moses Fowler, VIM. F. Reynolds, La
fayette. The election Of officers resulted
as follows: President, NJ. Z. ingalls,
Cincinnati; Secretary, Chas. e. Booth
New York; Treasurer, E. +. Osborn
Cincinnati.
The Cincinnati daily star. [volume] ([Cincinnati, Ohio]) 1875-1880, 1876-11-08
The Lawyer and the Thief.

Some time ago, while lawyer was at
tonSir o. court in an interior county, he
vas annlied to by singular specimen
of humanity, charged with grand lar
cepy, to defend him. The lawyer very
naturally inquired what crime ne Was
accused of. The party accuseo iepiieu
that somebody had been mean enough
to charge hi m with stealing $3.50 in bills,
and got him indicted.
"Are you guiltyT' asked the law
..Thats none OF your business" re-
plied the accused. "They say that
makes no difference with you, whether
man Is guilty or not, you will oontrive to
dig him Out in some way. -, Qopt talk
The Cincinnati daily star. [volume] ([Cincinnati, Ohio]) 1875-1880, 1876-11-08

The Board of Directors OF Longview
Asylum met in annual meeting yester-
.day.with Messrs. Wallace, Eckert, Bates,
siefert and Carey present, with General
Bates in the chair.
Dr., Bunker submitted the following
report for October:
Admitted during month-Males, 6; Fe-
males, 7; total, ID.
Discharged during month:
nlns Enrn nlna Tntnl
The Cincinnati daily star. [volume] ([Cincinnati, Ohio]) 1875-1880, 1876-11-08
Announcements.

Mr.. James T. Fields lectures tonight
at the Wesleyan College. Subject
"Longfellow."
The annual meeting OF the Women's
Christian Association, and the Young
Ladies' Branch, will take place to-mor-
row afternoon, in the Second PresDy-
terian Church, on Elm street.
The Cincinnati daily star. [volume] ([Cincinnati, Ohio]) 1875-1880, 1876-11-08

~ In order to accommodate Eastern Advertise
ersln the STAR, Mr.. e. Duncan Snlifen, No. Y
Astor House, New York Oity, has been appointed
our general aud special Agent for the Eastern
states. This viii be branch oinoe OF the d STAR,
contracts on our behalf and receipt all collections
therefor in our name.
The Cincinnati daily star. [volume] ([Cincinnati, Ohio]) 1875-1880, 1876-11-08
PHosPHORENE DESTROYER.

The excessive dampness of the weather
has been productive of reaches and 9th
er Yermin that are exceedingly annoy.
ing. A few applications of Phospho-
rene will effectually exterminate rats,
mice, reaches, ants, sc. For sale by
druggists generally. j. s. BURDSAL
& CO., Proprietors.
The Cincinnati daily star. [volume] ([Cincinnati, Ohio]) 1875-1880, 1876-11-08
Important to Persons Visiting New
York ar the Centennial.

Grand Union Hotel, opposite Grand
Central Depot. Baggage taken from this
depot to Hotel free. $50 elegant rooms.
Elevator. European plan Restaurant,
supplied with the best. Prices moder-
ate. Cars and stages pass this Hotel
for all parts of the city, and to Phila-
delphia Depot for Centennial.
The Cincinnati daily star. [volume] ([Cincinnati, Ohio]) 1875-1880, 1876-11-08

Judge Weaver was an eminent jurist
in Texas, a remarkable orator, an hon.
orable man--and drunkard. The lat
ter trait has just killed him. After fail
ing in earnest efforts to reform, he took
a fatal dose OF choral.
The Cincinnati daily star. [volume] ([Cincinnati, Ohio]) 1875-1880, 1876-11-08

Oily substances always aggravate skin dis
cases. Ontments are therefore rather hurtful
than beneficial. Glenn's sulphur Soap, which
opens, instead of clogs the pores with grease,
has. as might have been expected, widely su-
perseded oleagnous compounds as remedy
Tor scorbutic affections
Hills Instantaneous Hair Dye produces no
metallic luStre.
For sale by all Druggists.
The Cincinnati daily star. [volume] ([Cincinnati, Ohio]) 1875-1880, 1876-11-08

AMERICAN COLOGNE.-A splendid
combination OF the odors OF the very
choicest flowers, fragrant, delicious and
lasting; just the article demanded for
every iady's and gentleman's toilet.
Put up in sprinkler top bottles. Very
convenient for persons travelling. For
sale by druggists and fancy stores.
The Cincinnati daily star. [volume] ([Cincinnati, Ohio]) 1875-1880, 1876-11-08

ROBACK'S PILLS are becoming more
and more popular every day, and il
specie payment is not resumed within a
few years. they will doubtless be made
a legal tender. They pass readily now
for TWENTY-FIVE cents.
The Cincinnati daily star. [volume] ([Cincinnati, Ohio]) 1875-1880, 1876-11-08
LEGAL

A DMlNISTRATOR'5 SALE--The personal
n. properly belonging to the estate Of ADAM
Smith, deceased, consisting Of bed, bedding
household furniture, clothing, paper and OtheN
properly, will be sold at vendue, at his latt
residence, No. st. Clair alley, betWcen Sey3
enth anu Eighth Streets in this city, ON thu
18th day of November, A. ID. 1879, commenc3
ing at O'Clock A. Nj, and will continue unti1
all the property is sold.
All persons indebted to the deceased arI
requested to pay such Indebtedness to the utt
derslgned. Il
No. 621 Main street.
HERMANN MARKwoRTH, Attorney.
CINCINNATI, November l, A. ID. 1876.
no1-4tW
New-York tribune., 1876-10-12

edly be elected, my dear ~ Those who did
not go home until the wee small hour ayont
9" the twelve" interpolated hic or two (sug-
gestive of hoe or two) into their report. So
everywhere all the talk of all the town was Of
Ohio and Of Indiana-two of the prettiest snd
most euphonious names in the whole bright
roll of our commonwealth. AS for yesterday
the best day this Fall for overcoats-the
cheering (by both sides) was frequent and
warming. Our reports will show the reader
who is likely to do the more cheering to-day
and to collect wagers instead of paying them.
Why should the general American public
feel this fervid interest in the results of elec-
tiOns, except it believes (and not without
reason) that public and of course private
happiness depends to an appreciable extent
upon those results Our political contests
would be tame affairs if they excited nobody
except the men of bets and the office-seekers
and the candidates. Unquestionably below
this weltering and stormy sea of political ex-
citement there is solid substratum of delib-
crate and honest opinion. Men are not alto
gether Democrats or Republicans out of venal-
ity or prejudice or whim, or through circum-
stances of birth and education but because
they honestly and intelligently believe
that the public policy of this party
or the other is the wiser or the moro
economical and just There is a good deal Of
folly in partisan debates, and in partisan
newspapers there is not little; all our an
nua or quadrennial battles have a flavor of
tiifiing but in their main purpose and upshot
they are useful and honorable and substan.
tally as dignifed as genuine purpose can
make them. Tho work which is done by the
machine is better than the machine itself.
few weeks of canvassing and of cOnten-
ton, friendly or otherwise, and then another
shock of contending parties, and the great
Presidential election of the centennial year
will be over! Whatever else may be said of
our system of self-government, it can hardly
be said of the American citizen that he
neglects his political duty. Perhaps it might
be said that with all this speaking and meet
ing, with all these caucuses and conventions,
with all this writing and printing and circulat-
ing of the documents, with all these pyrOtech-
MICS, and this tlag-fying and music of brasss
bands, with all this noise and confusion and
tempest, the American citizen attends to his
political duty altogether too well. But an
election is safety-valve, if nothing more,
and really we know of no better way of
asserting, pro tempOre, the differences of mil
lions of minds.
New-York tribune., 1876-10-12

What effect had the marking system the marks were
visible for about t,co days.
Coeducation.-Nerer had q 90.
Effect of your education and mental work OH health
Ruin0uS.
Is your profession innate t-yotin8 Ts in 10s
Who is your professional ideal q Yourself
Do you pursue what you like best-and II not, why '
No. and because.
Do you think better alone, with some one i-Wt one
Of the opposite ser
How has your religious bias affected your progress
-Hindered.
DO you hold in your mind mostly relations or facts
Rich relations.
Does feeling intellect predominant In your lie !
Strong Oripes in paterDlelon time.
Summary of your lifc's wOrk-Ps wintery.
Summary OF what has gone to make you up.-NOthfn0
went: all came.
The above questions are a good specimen of
the whole list, although they do not fully Illus
trate its prying character, or the scientific"
coolness with which it touches the most inti-
mate features of an individual life. We would
hint to the "Prof. Natural Science that the
condolences which he invOkes, and doubtless
hOpes to evolve, are not usually bestowed upon
a stranger, even though he come armed with
the winning wiles of two vessels of water
and thermometer Some of his questions
suggest mighty pOSSlDlltJ VI inyuJ y"
Leading Americans, most of whom ex-
pect to come before the public In
one or another form. When he asks, for
instance: "DO you reason with the dynamics
" or states of your subject ?" the boldest must
pause. vision arises of some future emer-
gency when the answer may be hurled in the
answcrer's face, and an indignant public may
sneer: "Hm, he's a static" or howl: Ha!
cha he's a dynamist (which is almost as
bad as dynamite 1t is too soon, even cOnsid-
ering the prodigiOus advance of Science, to
make such experiments in cOrpOre rW. Men
Leading Americans though they behave still
few sensitive nerves, still few chambers of
privacy IN their natures. Our Professor is
ahead of his time.
New-York tribune., 1876-10-12
THE BULLETIN BOARDS.

The city all day Tuesday was absorbed and
agitated by the election returns from ONO and
Indiana. Wherever the newspapers displayed
a placard, the jostling, eager, clOsely-pcrusng
crowd gathered to read, to comment, to offer
new wagers and to take them. In the cold
and eager mir, the cries of the newsboys re-
sounded, and announcements OF Republican
and of Democratic victories were borne upon
tbe October winds in all the streets and squares
and courts and alleys, down town and up
town. upon the piers and at the doors OF the
public houses, upon teny-boats, ana all the
railway trains. For a time the intelligence
was equally satisfactory to both sides Gentle
men of the Tildcn stripe, having faith equal
to the removal of mountains or the new
Post Office, in newspapers OF the Tllden
stripe. smiled blandly at the figures,
and already saw the man after their own
hearts walking triumphantly up Pennsylvania
ave. to take possession of the White House.
Gentlemen of the Hayes variety, while they
admitted that the news was not exactly sur
felt of good thing, pr0fessed to be sufficiently
satisfied and exhibited that kind of pluck
which so frequently leads to the doubling of
bets. These elections have doubtless given no
little pleasure to both sides. There is, after
all, peculiar zest in suspense, and to be down
at one moment and up the next is not alto
gether disagreeable. So great many men
went home happy on Tuesday night We say
nothing of those who did not go home at all,
but left their anxious wives without NOR
sci of political intelligence until the TAX
ing in of the morning papers. Those
who, following their domestic impulses, refused
to stay down town beyond the regular hour,
carried home inspriting intelligence. This
"settles it Tilden Tor Hayesl will undoubt-