davidaulloa/AmericanStories huggingface dataset:
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17
The Coffee EXnlOded.

A young man, named Mason. who lives
at Twenty seventh and Grace. and who
is employed as a telcgla ph operator at
the drawbrdge Of the James river di-
vision Of the Chesapeake and Ohio rail
road. met with a serious accident Thurs
day He was at his office and at dinner
time put a pot of coffee inside the stove
TO warm When he took it out there.
was an explosion, and his face horribly
burned. Or. Ramon Garcin dressed the
wounds. and yesterday Mr.. Mason was
much better
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17

The accompanying cut represents the
new Mzpah Presbyterian church on
Chestnut Hin. The building is now COM
pleted and viii be opened tomorrow
afternoon at $3.50 o'clock The services
will be conducted by Rev. Or. James y.
Fair. The new church is a perfect little
model in every detail and surpasses
perhaps, any structure Of its character
i'm beauty anywhere around Richmond.
The building is 40xi2 feet, with an alcove
I'm the rear Of the pulpit. 1t has a seat
Ing capacity of 225 people. The church
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17
10 Mr.l in Washington.

Mr.. and Dlrs. l.. L. Smith have issued
invitations to the marriage OF their
dangbter Miss Julia Peyton Smith, TO
Dr a. B. Carter, Wednesday, December
9etb at u o'clock, at their residence, No.
lOl9 Ninth street. northwest, Washing
ton. u. c. Or. Garter is popular ply
stefan OF this city. and the brides father
resided here for many years lie Is now
OF the clerical force Of the Richmond ana
Danvlle Railroad Company, al the ma
tf,,.1 .ovffr1
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17

hhipman against Fletcher. Motion OF
appellant % be relieved from printing q
portion Of record Overruled.
Rgiin against Commercial Bank Of Dan
VIE. Va. Motion 10 require appellant
10 execute new bond IN larger penalty
overruled
Norris against Lake. Fully argued by
captain J. w Foster for appellant and
James y. Brooke. Esq, for appellees
and submitted
Court adjourned 20 The January term.
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17

a msss-mceting Of the Progressive En-
donmeut League OF America was held
ut Sanger Hall last evening. Mr.. f. s.
Jones. clerk OF The Marshall Court OF the
orc 20, presided
Speeches "a the history and the work
ing of the order were made by Mr.. John
j. Roc, chief secretary, Of Boltirlore;
Dr. Page. chief medical examiner, Of
baltimore, and Alr. George Hooper. Of
thet city. There were about three nun
drcd ladies and gentlemen present, and
at the close Of the speaking, all repaired
to the Giriug-~oom. on the lower floor
and partook of an elegant supper.
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17
r,,,r,..n,n Annual Reduction Sale.

II. NJ. Moses Company, go Main street.
have reduced the prices Of every ar.'cl'
In their immense stock of jewelry,
watches. precious stones, &C., &c,
Christmas shopping is burden orly
when il is postponed until Christmas
Eve Early in December 1t Is easy anu
pleasurable. The assortment OF care
fully selected novelties Is then fuiiesr
and # &c then that the rarest and best
articles are TO be found
II. NJ. MOSES COMPANY
go Main street
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17

The tamborrinc drill given last evening
~ the Young Mems Christian Association
Hall for the benefit OF the Old Ladies
Home. on Seventh street proved TO be
a pleasant entertainment. The young
ladies' taking part acquitted themselves
splcndidly and the audience present APP
piauded literally. There were Delsartean
poses that were pleasing. and the many
pretty girls made charming picture.
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17

The cases were few in the police court
yesterday.
Charles Anderson charged with cursing
and abusing Matte Smith was dismissed.
William Sh ppard and Henry Halter
Ccolored) were fined $3.50 for fighting in
the street and Letcher Brown, for the
same offcnse suffered likewise. and VIII
liam Henderson cO oreD was fined the
same amount for disorder and profanity
IN the streets.
Richard Wilson (colored) Was fined $3.50
and costs for throwing stones in the
streets. and j. G. Rose was fined s. and
costs for assaulting Henry Cohen.
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17
Hastings Court.

Henry Brown was arraigned in the
hastings court yesterday before Judge
Ingram. Of Manchester, who held court for
Judge Witt He was convicted or petit
larceny and sent to Jail for sixty days.
Moses Martin was convicted OF carrying
concealed weapons and fined $50.
George Miller was charged with petit
larceny I'm two Instances. He was found
guilty and fined s. and costs. Not being
able TO pay the fine he had to so TO jail.
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17
Pursuing the Bandits.

SAN ANTONIO, TEX, Dec. 16--The
trail OF the bandits leads almost directly
north, and n courier. who has just ar
rived, says the soldiers and deputy mar
shals are but a few hours behind the
fleeing bandits. II is generally believed
that a desperate resistance will be made
by the so-called Revolutionists. There
Will be no quarter given IL Garza's men
offer any resistance. Two thousnd Mexi-
can troops are being rushed to the from
tier to prevent further invasion.
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17
Cutting The Fornacations Appropriations.

WASHINGTON, d. c.. Dec l6.-The
House Committee on Appropriations has
vigorously slashed the Fertilization APP
preparation bill, and as il will be'reported
10 the House early next week by Mr..
Breckinridge. Of Kentucky chairman OF
the subcommittee, the bill for the coming
fiscal year carries an aggregate appro''
priation about 30 per cent. less than the
total of the act for the current fiscal year.
The total amount appropriated by the new
bill is N,735 O55. while the act for the cur
rent year aggregated 2.734.276, reduction
Of 500 ,22 This is the first OF the APP
preparation bills 10 be agreed upon by the
Appropriations Committee. and in connec-
ton with the views expressed by some
of it's prominent members rs 10 the ne
Cessity for rigid economy indicates that
IL intends 10 follow a strong policy OF re-
trenchment. The estimates for this year
were S6l2.5l2. The appropriations Tor
Notifications are not regarded as so ne
cessary as some others, nor are they
covered by the requirements OF existing
law TO anything like the same degree as
other appropriations for the annual ex-
penses of the Government. and this bill
therefore admitted Of a greater percent
age Of reduction than will probably be
possible in any of the other appropriation
bills.
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17

Mrs Deborah Crenshaw LEEDS VIII oenves
an address TO boys under sixteen years u
age. - .,a~ Ill, 10
The sunday-school Bible class WIZ pe
held al o'clock. II VIII be conducted by
Secretary candIlsh. who will discuss tne
sunday-schooI lesson for the following
sunday
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17
Cashier Elected.

Mr.. J. NJ. Ball. for the past fourteen
years teller at the National Bank or Nir-
gina, was yesterday elected cashier OF
the Savings Bank of Richmond TO succeed
the late George N. Woodbridge.
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17
Thirty Thnnsand Dollars Lost.

NEW YORK. Dec. 16.-The Wells-Fargo
Express Company has assumed the blame
for the loss Of two packages OF money
shipped recently from this city to Cal
weston. The amount was thirty thou
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17
Chlnaman Suicides.

LOS ANGELES. CAL, Dec. 10
Chung Yung. the Chinaman who was con-
victed last night OF the murder OF the
young Spaniard boy about month ago,
strangled himself to death In his cell
this morning.
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17
Reduced Rallroad rate. for the Holiday.

The Richmond and D0nNille fahtoao
will put on sale rcund-uip tickets tor
distances OF 600 miles or less at four cents
per mile. one way, for the round trip.
Tickets on sale December 2ld 10 18th IN
elusive. and December 3lst to Janua,y
%, inclusive. with extreme limit TO return
January 4 1898.
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17

.urht cold II neglected often attacks the
,rrg. pRowS's BRONCHIAL TRocuEs CIV
.rro and Immediate relief. Sold only In oores'
Price o. cents Adv
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17

The ordnance adopted by the Joint
Council. epproprIating $4,000 for a water
gas plant, became a law yesterday by
ne signature Of Mayor J. Taylor ELY
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17

ls3 EAST BROAD ST.. COR. FrfrH. 'PHoSI 10
A Safety Razor is the most useful pre-
sent you can give gentleman. We sell
them Il. A. MILLER.
Fifth and Broad streets.
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17


sitv. Literary notes gathered here ana
there from bright pens.
THE HOLIDAY TRADE.
A glance behind the scenes at
modern retail bazaar. The superlh-
tendent and his multifarious duties.
A great number of people required TO
handle and sell the goods. Christmas
presents for a dollar. Qllustrated.)
INDIANS AT SCHOOL.
How the dusky boys and girls are
trained. They adopt the attire OF the
whites. and drop their names to as
sumo others. Sketch OF Indian life IL
the great Southwest. Qllustrated)
WATCHDOG HOLMAN.
The man who sits on the appropria-
ton safety valve. The veteran econo-
mist IS a hard and CONSCIENTIOUS
worker. An anecdote of Justice flelu'
A dull Washington season Impending
Qllustrated)
INLAND SHIPBULDING.
The lesson Of disastrous season on
the Great Lakes illustrated
AUTHORS ON THE PLATFORM.
The combination Of Cable and Field.
Mark Twain's experience.
A THEATRICAL REVIEW.
New York disappointed in NJ. sar--
dou's Americans Abroad. Nlilaru
I'm Fools Paradise" Reorehenslole
exnloit OF Mrs. Potter and Mr.. Bel
lew. Fresh farce from Laura Don
son. Ada Rehan. Qllustrated)
THE SHIN BONE SKATE.
Centuries developed it into the skate
Of to-day. Laplandars "ere probably
heir skates
Yankee ingenuity made the sport what
Il Is. Qlustrated)
INDOOR TENNIS AT CHICAGO.
Something about the sreat tourna-
ment at the Worlds Fair city. Oh
lustrated)
INCIDENTS ON THE ROAD.
The haps and mishaps Of actors ana
actresses Experiences while travel
ing. Sometimes there's a feast ana
sometimes a famine. but the actor
generally manages TO triumph. Ill
lustrated)
RETURNED TO THE STAGE.
Mrs. Blaine. called the Baroness,
appears as a star. illustrated
THE GREAT STALLION KREMLIN.
He has twice won the crown, only
IT'S A MODEL BUILDING.
The Keystone States quarters at the
Worlds Fair Qllustrated)
CAN START A MANAGERIE.
The President-elect presented with
several animals. Qllustrated)
THE CHEROKEE POETEss.
A girl Of mixed blood who writes
good verses. Qllustrated)
SOME FRENCH JOKES.
Perpetrated in a frienly spirit about
the Fair The Columbian Exposition
cartooned by the famous artist Hen
riot. A few OF his designs repro
duced warning to visitors. illus
trated)
A warning to visitors. Qllustrated)
BLUFFED FOR TEN YEARS.
But she would have welded Kos
ciusko If he weighed ton.
SCRUPLES OVERCOME.
Story Of a captain who was fond OF
chicken.
THE ARIZONA KICKER.
An embarrassing state Of affairs with
the Clinch Valley boys. Qllustrated)
IT is ALWAYS THUS.
A romance which came to an I'M
timely end Qllustrated)
BOYS AND GIRLS.
Stories and sketches which are
bound TO interest Father Times Lit
tie Folks"
REVIEWS OF NEW BOOKS.
Some of the most recent publca-
lions from the great presses Of the
country. Suitable Christmas tide read
ing.
THE NICARAGUA CANAL.
A lot OF facts and figures regarding
this great Improvement. Illustrated
with three excellent cuts.
ORGANIZED CHARITY.
Account of a movement in Rich
mond TO provide for strangers with
out friends and means
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17
T. A. Miller's All Night Drug Store,

1873 +. BROAD ST.. Coz. FIFTH. PHONE 30.
A splendid assortment OF Perfumes and
Sachets for Christmas presents at.
Il. A. MILLER'S,
Fifth and Broad streets
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17

43s T.. BROAD Sr. Cor Firm. 'PHoxE 90.
A few very fine Scissor Cases for Christ
mas presents can be seen at
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17
ALL THE NEWS.

LOOK OUT FOR THE CHRISTMAS
DAY ART SUPPLEMENT.
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17
a through coach Is now beIng IN daiIy

A through coach Is now being run daily
between Richmond and Lynchburg' VIC
Petersburg and the Norfolk and Western
railroad. leaving Richmond. Byrd-street
station at 1920 noon; returning, leave
Lynchburg at 800 4. NJ.
For full Information apply TO r. w.
Courtney. passenger agent, S3S east Main
street
A clean mouth. healthy gums and n
pure sweet breath. follow the use or
Phenol Mouth Wash. II also whitens and
preserves the teeth. \ gold fish and globe
given with each zoe. bottle at
City Dug Store. Opcn All Night.
co,,.r T-fvbth aud Main
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17
r. A. MIlier,s All Might Drug Store.

T. a. MILLER'S.
Fifth and Broad streets.
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17

INDIGESTION. aud stomach disorders, take
BROWNS IRON BITTERS.
All dealers keen y 81 per hottie. Genuine hns
trade marx Gld crossed red lines on wrapper
The times. [volume] (Richmond, Va.) 1890-1903, 1892-12-17
Christmas Tide Edition Tomorrow.

We beg 10 assure our friends that TO-
morrow we will issue the most dehgntiui
newspaper seen In many DAY. beine
our Christmas tide edition. we have taken
particular pride I'm its get up, ana II
may be pardoned for a momentary iaPss
into seIf-praise and slang, we shouiu
say II will be butte" OF the frst "atei'
The paper will be much larger ina"
usual, the pages will be prettily hiuni-
mated, and the reading matter "hlS ,,,
has been prepared with great care, VIII
be unusually interesting to all classes and
ages. We want everybody to see thls
paper. II YOU are not subscriber. get
a copy of the paper tomorrow, ana you
will be proud of The Times as virginia
institution Among the especially attrdc
tive articles you may expect 10 see VIII
be:
ORIGIN OF SANTA CLAUS
Did he once exist in the person OF
old Silenus. tho attendant OF BacchusY
illustrated with large engravings OIL
Balthazer. the Spanish Santa Claus,
the German st. Nicholas the Goa
Saturn. one of Santa Claus progenl-
tors. and Pere Noel Of the French.)
NEW YORK FASH ms.
The pleasant dissertation OF brides
and weddings. swell cetcHoihcs ~
church and quiet ones at home. COS
tunes that arc costly and others that
are sensible. Flowers, ate ndants' ana
post-nuptial ceremonies. Choice Dts
OF reading. Oarge picture showing
how some very swell gowns look) "A
specially interesting page for women
MR.. AND MRS. BOWSER.
Bowser gets ready to go to church;
but, after a number Of preliminaries,
he changes his mind Gays he won't
be a hypocrite. anyway. The worst
run house in America. Qllustrated)
THE RELIGIOUS WORLD.
English religious thought. Christian
unity Lessons for ell who profess
and call themselves Christians.
MERRY CHRISTMAS WITH CHARLES
The Republican journal., 1892-12-01
scRoFuLA p YEARS
Always Sore. Burned Like Fire.
Ashamed to be Seen. Got Worse
Under Four Doctors.
Cured by Cuticura.

For about ten twelve years have been troubled
was dry and scalv and burned like ire most Of The
The Republican journal., 1892-12-01

Friday is luckier day than Saturday.
Especially to get over a cough on. Because
it is day sooner Use Adamson's Botanic
Cough Balsam and stop that barking within
a week.
The Republican journal., 1892-12-01

have been troubled with chronic catarrh
for years. Ely's Cream Balm is the only
remedy among the many that have used
that affords me relief-E. w. Willard, Drug
gist, JOLIET, III.
l have been troubled with catarrh for ten
years and have tried a number of remedies,
but found no relief until purchased bot
tie of Ely's Cream Balm. I consider it the
most reliable preparation for catarrh and
cold in the head.-Geo. E. Crandall, p. NJ.
Quonochawntaug, R. /. 2w48
The Republican journal., 1892-12-01
Christ's Questions.

In the course of his first sermon preach
eo this autumn to the Edwards Church,
Northampton, the pastor elect, Rev. Paul
Van Dyke, who recently resigned his pro-
censorship in Princeton Theological Semi
nary, said:
If Christ Jesus were to come to this
church to-day in personal presence what
think you, would be the first questions
He would ask Would He ask:
What is your form of church government:
What is your theological system:
Do you sprinkle or immerse in this
church?
How many have you added to this
church?
What man, woman OF child believes
that the Lord Jesus Christ would ask ont
of these OF similar questions? He woulC
ask:
Where are your poor?
How have you cared for your sick anC
needy and ignorant and unhappy?
Have you cared for the orphan an(
sought homes and friends for the home
less and friendless?
How many sinners have you brought tc
knowledge of Christ; to the recognition
of the love of the Father?
The other questions have their due i'm
portance, but they are not those of vital
fundamental Importance in the view o
the Master, who accepts only service
recognizes a life of goodness only becaus
it is the result of love of the beauty O.
goodness. The Congregationalist.
The Republican journal., 1892-12-01
SMOKE TRl-MOUNT CIGAR.
"A United Family.

The four well-known Higgins brothers,
Captain Nehemiah H., Geo. W., Edward
and Reuben, married four sisters. 1t is very
seldom indeed that the relationship of two
families becomes 80 closely connected by
marriage as in this case. Ellsworth Amer
lean.
The Republican journal., 1892-12-01

"The most of Hezekiah s college bill is for
balls and bats; / don't understand it,"
"What don't you understands "He puts
down BALI at from 10 to Is cents, while
bat seems to cost from rs to S." Chelsea
Free Lance.
The Republican journal., 1892-12-01

David Bugbee, Showers, arrived at Pasca
goula Nov 3 from Point-a-Pitre.
II B Hussey, Hodgdon, cleared from Bos
ton Nov 9 for Charleston
H c Sbley. G w Hichborn, arrived at
Pascagoula Nov y from Demerara.
The Republican journal., 1892-12-01

to keep the dirt from getting into the
After | would wash, would be covered with e
red pimpIes all over my neck and face Some two
or three people advised me to try the ClT!clEA
REMEDIES. l did try them, and am glad l h,.ve
done Glad to say am well man, and in the
hest of health since. cannot praise the CuwIcuEA
REMEDIES too highly. | enclose my portrait.
LEWIS W. kATON, Larksvie, Pa.
The Republican journal., 1892-12-01

Whittier old homestead, ut Haverhill,
Mass, has been purchased by James H.
Carleton, OF Haverhill and will be pre-
sented to the city as a memorial OF the
great poet.
The Republican journal., 1892-12-01

time. My body had big red
spots on it, and l did not
know what to do. ] went
to four different doctors
and they helped me at iirst.
In the fall l got worse
again; then ! tiled other
remedies, but they did me
no good. l WAS ashamed
to 60 into public. l WIS a
sight to look at. Every &c
would say, " What is q
matter, why don't y'u
take something? " ! i
at my daily labor | / i
to wear a sort Of -
The Republican journal., 1892-12-01
SuperstitionS About Friday.

Many Years AGO. when sailing ships
We're the only means of communication
between the different countries. Supersti-
ton was more rife among sailors than at
the present time. These absurd fancies
We're not confined to Jack alone. but they
We're shared in to a greater OF less extent
by ShipmaSteIs and owners. Friday was
considered a day of evil, and the most
malignant results We're supposed to attend
a voyage commenced on this day of the
week. In those times he would indeed
have been a reckless skipper who would
have attempted to sail on this i'll omened
day tur the crew would have broken out
in open rebellion rather than lift the
anchor from the bottom or cast off shore
moorings.
Since the advent of steam many of these
rejudices have become as derelict as the
ship on which they Were once entertained.
\ true story is told OF sceptical Mas
sachusetts captain who, way back in the
early years OF the republic, determined to
exhibit the fallacy of this particular super
stition. He contracted on a certain
Friday for the building of a ship. and it
was arranged that the keel of this vessel
was laid on Friday, that she was launched
on Friday, named Friday, commenced
lodNlIS Oh ii IlUdN, anu lldtlle1 lulo lllG
stream on the same day of the week. To
add to the possibilities of disaster, anegro
cook named Friday was engaged: and thus
fully freighted with the sinister name.
the Friday sailed on Il Friday, bound to
a port in the West Indies. From that
day to this no tidinos of the conditioned
craft have been received. But those of us
who like Friday for various reasons, but
chiefly because it leads up to Saturday,
upon which day schools are closed, will
be pleased to hear that it is not half so
unlucky a day as Monday, the day school
opens again. A German statistician.
feeling that Friday had been a much ma
ligned day, determed to make a scientific
investigation OF the matter, and has found
that it is not Friday, but Monday, that is
the most unfortunate of the weekdays.
According to his Investigations 16.7 "A per
cent. of all accidents occur on Monday,
15.51 per cent. on Tuesday, 1851 per cent.
on Wednesday, ia per cent. on Thurs
day, 1913 per cent. on Friday, 1913 per
cent. on Saturday, and only 2. 90 per cent.
on Sunday.
So you see. Friday ism so bad a day
after all. IIarper's Young People.
Weekly graphic. [volume] (Kirksville, Adair Co., Missouri) 1880-1949, 1892-12-16
Wilson Items.

Grandma Hanks has returned
to her home in Brashear, after a
short visit with relatives at this
place.
There will be a Christmas en-
tertainment and tree at this plsce
Christmas eve.
E. M. Clotfelter returned from
Tecumseh, Neb., Friday. He will
make short visit here and go to
Illinois for short visit with rala-
tives there, then go to California
to remain some time.
Rev. Scaggs, of Sperry, filled
the pulpit at this place Sunday
and Sunday night.
There was call meeting at the
school house Friday night and it
was decided to have one month of
school added to. the winter term.
Minnie Woods has returned
from two weeks visit with rela-
tives and friends in Kirksville.
Sunday, Dec. 18th, is Re-organ-
ization day at Wilson Sunday
School, and everyone is invited to
come out and assist in re-organiz.
ing for next year.
Weekly graphic. [volume] (Kirksville, Adair Co., Missouri) 1880-1949, 1892-12-16
DIED.

At his home in this city after
some weeks of intense suffering
George Fusselman, on the 29th
ult.. aged 70 years. Z months and
6 days. He was born in Harris
burg, Pa, resided in Ohio and
Illinois a number of years
and had been citizen of this
county since 1876. His seven
sons and five daughters also three
brothers were present at his fun
eral which took place from the NJ.
E. church, south, and was conduct
ed by Revs Walker and Mitchell.
Mr., Fusselmsn WAS an honorable
and kind hearted man. He SEEM
ed thoughtful and prayerful in the
last days of his earthly sojourn.
"Thou shalt honor the face of the
old man." M.
Weekly graphic. [volume] (Kirksville, Adair Co., Missouri) 1880-1949, 1892-12-16
Done Dropped.

You bet on the election did
you? Well, | warned you in time.
And you lost? Good for you; you
should have known better. Bul
suppose you had won? Well that
would have been worse for you;
you would have lost more some
time. Besides if you had won
you would have thought it was
owing to your exceptionally keen
foresight and good judgment,
while you now think your winner
owes his success to luck. pure and
simple. So it goes. But to the
point. | have again embarked III
the Real Estate Business, in all
of its departments, and hereby ap-
point every person who reads this
member of special committee
to notify all his aighbors.
II E. PATTERSON,
Real Estate, Insurance and Loans