davidaulloa/AmericanStories huggingface dataset:
The daily morning journal and courier. [volume] (New Haven, Conn.) 1894-1907, 1897-02-26
PROFESSOR PHELPS LECTURE

"A Large Audience Greets the Popular
Lecturers Speaks on Modern Novels
Professor W. l.. Phelps gave the first
of his course of lectures on Modern
Novelists' before the University Elk
tension center last evening.
In spite of the other numerous at
fractions of the evening an audience of
$50 crowded the chapel of the United
church to hear the lecture. He was in
troduced by the president of the center,
"A. Maxcy Hitler, and spoke on 1.-THE
Modern Novel" Professor Phelps
treated the subject in his usual bright,
vivacious way, both edifying and in
str,ictive to his audience. He said that
the novel had grown into great prornf-
hence in recent years and while for
merly novel reading was looked on
somewhat aghast by good people the
tone of sentiment had now changed
and novels We're not only regarded as
artistic productions, but We're consid-
cred as the most effective way of con-
yeying ideas.
The three countries in which the
novel had reached its greatest Derfec-
ton are England, France and Russia
The United States is woefully behind
in the matter. It's best novelists
James and Howells were good and not
great novelists
Professor Phelps considers To1sto
the greatest living novelist and thought
it great pity that he should leave
off writing novels and go to making
shoes, farming and writing tracts.
A1nhOnSe Daudet he considers the
The daily morning journal and courier. [volume] (New Haven, Conn.) 1894-1907, 1897-02-26
FUNERAL OF JACOB DOER-
SCHIJCK

The funeral services of Jacob Doer-
schuck took place yesterday afternoon
at his late residence, rs Goffe street.
attended by a large number of sorrow
ing and sympathizing friends. The
services were conducted by Rev. Mr..
Timm of the German Luthern church
on George street, of which deceased
was a member, and We're deeply i'm
pressive. The pastors remarks touch
ed all hearts and were listened to with
rapt attention. He paid a fine tribute
to the life and character of the de-
ceased, whose long life had been well
spent and who had now been gathered
to his Father with honor. There were
beautiful floral tributes in his memory.
The deceased resided with his son-in-
law, Mr.. John Strecker. Three years
ago he had to submit to the amputa-
ton of one of his legs, owing to disease,
since which time he had been Ealing.
He was an old New Haven resident
and for many years worked at the
carriage business. The bereaved wife
and family have the sincere sympathy
of many friends in their loss. Stahl &
Son were the directors of the funeral.
The interment was in Evergreen ceme-
terV
The daily morning journal and courier. [volume] (New Haven, Conn.) 1894-1907, 1897-02-26

from them? IT they will be then un-
desirable companies, why should they
be built up at all?
II company be truly desirable, pros
porous and safe only while and only as
1t is increasing its risks, then the more
rapidly q company is growing to-day
the faster it is approaching the time
when 1t will be no longer desirable,
prosperous or safe. If that be so, life
Insurance should be summarily sup
pressed as an inevitable swindle.
But, az our expense rate Is less than
that of any other company, and only
about half that Of the great push
ers, while our results to policy-holders
are very much larger than theirs, and
our stability greater and more conserv-
atiyely based, the advantage to be de-
rived from following their example
would seem more than doubtful, espe-
cially in view of the heavy and continu-
Gus reductions they have made and are
still making in their dividends. while
we have maintained our scale. The re-
proach OF such a conservatism we are
very content to bear The vigor of the
oak is Of an enduring sort.
REVIEW OF THE YEAR.
Notwithstanding the dullness of the veal
1896 the affairs of the company in every es
sential particular were as prosperous as
could be reasonably expected under the con
ditions. a gain in income, assets and sur
plus, while earning an increased dividend
an increase of strength more than CORE
spending with the Increase In liabilities
while decreasing the cost of insurance
may IN such times well be regarded as fair
ly satisfactory.
The operations of the year as covered b,
our. report to the insurance department arc
as follows
Net assets, January /, 1896. !, $50, 764, o2o. 6.
Received
For premiums. S4, TAG, 236. 10
For int and rents 8, 139, 400. %
Bal profit and loss. 80, 1905
The daily morning journal and courier. [volume] (New Haven, Conn.) 1894-1907, 1897-02-26
OFFICERS ELECTED,


State Ladies' Board of Foreign Mis-
sions at Calvary Baptist Church
Addresses Made.
The State Ladies' Board Of Foreign
Missions Of the Baptist church held
their annual meeting at the Calvary
Baptist church yesterday.
The meeting was addressed by Mrs.
Wheaton OF Mystic, Mrs. McKeever of
New London and Mrs. Waterbury Of
Boston. Chinese conversation was
given by young ladies' from the Society
of Farther Lights, The following off,
GERS We're elected;
Honorary president-Mrs, S. d,
Phelps.
President-Mrs. e. w Hustled.
Vice presidents-Mrs Henry Stowe,
Mrs. It. r, Bliss and Mrs. George Mich
olson.
Corresponding secretary-NIiss Fan
ME L. Twiss.
Recording secretary-NIiss Fannie B.
Atwater.
Treasurer-Miss AFRO I. Ward.
Assistant treasurer-Mrs. Harry
Weed.
Executive board--Mrs. Francis Way
land, Mrs. James Fairman, Mrs. j. B.
Hoyt, Mrs. H. X. Trask, Mrs. e. j.
Walker, Mrs. e. C. Sage, Mrs. c. q.
Nichols, Mrs. e. M Poteat, Mrs. Ad-
olson Moore, Mrs, Goodrich.
In the evening there was a meeting
by the Farther Lights and other mis-
sionary societies of the city, at which
the Chinese conversation was repeated
and addresses We're made by Mrs
Wheaton and Mrs. Waterbury,
The daily morning journal and courier. [volume] (New Haven, Conn.) 1894-1907, 1897-02-26

are fortunately not in the position OF those
companies whose heavy expenses can be
met and whose extrayagQnt representations
of postponed or accumulated dividends" TO
be paid fifteen or twenty years hence, can
be FULFILLED only by the proceeds of heavy
fOrfeitures of old business every year.
DIVIDENDS.
The dividend paid on each policy in 1896
was larger than the corresponding one for
1895. There viii be a similar increase in
dividends and consequent decrease in the
cost of insurance on policies renewed In
1897, ..
SURPLUS.
We call attention to those items from
which IL Is possible to derive surplus and
to the manner In which they have been APP
piled during the year, with Il preliminary
word of explanation.
We agree to pay certain sums on the OC-
currence of certain event. To do this we
must have premiums large enough to pay
running expenses, the current death claims,
and provide reserve for the greater NOR
tally that will come with the increasing
age of the business. We can earn interest
on that reserve while we hold It, SO we as
sumo a maximum death rate, maximum
expense rate, and a minimum rate of inter-
est, and calculate our premiums and the re-
serve TO be laid aside out of them. on those
three assumptions, If the death losses and
expenses are less than we assumed, we save
the difference from the premium; If the in
terest is more, we save that also There are
sundry other incidental items. Here is an
exhibit Of the operation of these several
factors in the Connecticut Mutual in 1896;
The daily morning journal and courier. [volume] (New Haven, Conn.) 1894-1907, 1897-02-26
Financial.
No Relief Yesterday From the Dizziness
That Has Characterized the Market.

That Has Characterized the NJ arket.
New York Feb. 24.-There was no re-
lief to-day from the dullness that has
characterized the market for some
time. There was an indisposition to
trade, on all sides, and even when it
was announced that the senate had vot-
ed in favor of taking up the Sanguilly
resolution, business remained dull and
stupid although the bears succeeded in
bringing about a generally lower range
of prices.
Speculation at the opening was fairly
firm in sympathy with the receipt of
slightly higher quotations from Lon
don and the leading shares improved
X to q per cent. Buying orders were
limited however, and as soon as the
traders saw that the big operators were
taking little interest in the course Of
the market they lost no time in getting
out.
A little stir was created by the an
nouncement that receiver had been
appointed for the Columbus, Hooking
Valley and Toledo road, especially as
the stock declined 2 per cent, and the
Consolidated SIS 11a, but the Consolidat-
ed IS and IS subsequently advanced 5
051a per cent. on well authenticated
reports that the road will be reorganiz-
ed by J. p Morgan & Co, and that
that firm will probably offer to advance
$25 a bond on the per cents. deposit
ed with them pending the preparation
of plan for the rehabilitation of the
Property.
After the action of the senate on the
Sanguilly matter became known, the
bears were more aggressive and a de-
cline of h@1ss per cent. ensued right
through the list, the market closing
weak at about the lowest point.
Among the high priced issues Omaha
preferred advanced 2 per cent, while
Consolidated Gas and New York and
New Haven declined 1@1h per cent
The weakest stocks in the late trans
actions were Sugar, Manhattan, Jer-
sey Central and the grangers. Net
changes show declines of x to 5s per
cent. Sugar and Jersey Central lead
ing. Hooking Valley was an exception
and closed 15s lower on the day.
The feature of the trading in bonds
to-day was the strength Of the Hooking
Valley issues. The Consolidated 5s, af-
ter a decline in the earlier part of the
session. advanced and closed 31s pei
cent higher, at 721a, and the general
6s rose 5114 to 551s.
Following are the closing prices re-
ported by Prince & Whitley, bankers
and brokers, Is Broadway, New York.
and is Center Street. New Haven.
The daily morning journal and courier. [volume] (New Haven, Conn.) 1894-1907, 1897-02-26
BROUGHT BACK FROM SPRING
FIELD

Waterbury, Feb. 25.-At the request
of the Waterbury police, the ten-year-
old girl, Ida F. Murroe. who went
away from her home in WATERFOWL
with Henry A. Chase, who has been
arrested in Hartford. the girl was
brought back from Springfield. The
girl has been examined by a physician
and it was found that she was not
carnally abused. The search for the
missing Hutchins girl is now going on.
Chase says that he went from Derby
to New Haven with the Hutchins girl
intending to send her home to her
mother in Hartford. While in the
waiting room of the Union depot at
New Haven the Hutchins girl, he says,
mysteriously disappeared. He explains
having the girls gripsack of clothing
by saying that the Hutchins girl went
off and when he returned to the settee
he found the grip there, but the girl
Was gone.
The daily morning journal and courier. [volume] (New Haven, Conn.) 1894-1907, 1897-02-26

ton given, these results are eQualed by no
American company.
1t has been with clear perception and
deep sense of the absolute necessity to the
home life on which our civilization rests and
is being built, OF simple, straightforward
reliable and absolute protection to the fam,
lily, that the Connecticut Mutua. has adhered
to the plain, uncomplicated, non-speculative
Ideals of life Insurance plan ana method
which give that protection most perfectly
and at least cost, avoiding those schemes
which have indeed gained a great following
by offering a speculation In that progressed
projections
1t Is with a deep thankfulness we offer
the results of our adherence TO the right, II
simple, ideal to scientific truth and to true
business method.
Respectfully submitted,
JACOB l.. GREENE, President,
Hartford Feb 10, 1897.
The daily morning journal and courier. [volume] (New Haven, Conn.) 1894-1907, 1897-02-26
DEATH OF JAMES e. wINCHELL,

DEATH OF JAMES e. WINCHELL.
James E. Winchell, father of Patrol
man Harry B. Winchell, and a life
long resident of New Haven, died at
the National Soldiers home at Hamp-
ton, Va, Wednesday night, aged sixty
six years.
Deceased was born in New Haven.
where he spent most of his life, work
ing at his trade, a carpenter, until the
outbreak of the Civil war, when he
took up arms in his country's defence,
enlisting in Company A of the Eighth
Connecticut Volunteers in 1861, and re-
enlisting again in 1868, and serving to
the close of the war.
He was twice wounded, once in 1851,
and a second time in 1863.
He was a well known and highly re-
spected citizen of this city.
He leaves three children, Officer
Harry B. Winchell of the police force.
Frank A Wincbell of Maiden, Mass,
and a daughter, the wife of Charles
Levere the harness dealer on Grown
street
The daily morning journal and courier. [volume] (New Haven, Conn.) 1894-1907, 1897-02-26
,22,346, 121
S3s,1Ss,547

S3S, lSS, 04i
Here again the only item needing explana-
ton is the saving of 81 ,23S, $50 in the fifteen
years on lapsed and surrendered policies,
These amounted 10 $70,956 30; the reserve
on these was $15s337 1s1, Of which amount
$l009s, 496, Or ABOUT 80 per cent, was re-
turned to poicysiolders In paid-up insur-
ance, cash and otherwise. Were ours a ton
fine business the whole S11 1897, 131, and all
the surplus. accumulated by it, would have
gone into the pool for the lucky ones to
divide-of so much as was not eaten up by
the expenses of pushing for new blood.
Similar exhibits by the great group Of
companies doing that sort of business would
be very interesting. They would mark, as
nothing else ever can, the precise character,
the enormous magnitude, and the startling
significance Of the gambling in life insur-
ance carried Oh for the last twenty five
years or more, and now involving annually
policies to the amount Of many hundred
million dollars: policies which ought to be
sacred to the protection of the families
whom they do not guard; which are not
taken to guard the family but with intent
to share in what others are to lose
Moreover, such exhibits by those compa-
MES would show those people who have
lapsed and forfeited those policies and the
surplus already accrued on them, where
their money goes; and would show those
who have won in the speculation where
their money has come FROM and would show
them also why their speculation hasn't turn
ell out half as big rs the estimates by which
they were led into 1t.
EXCESS OF STRENGTH ABOVE LEGAL
STANDARD. H-...
Whoever has occasion to observe the state
ments of this company as published by the
several state insurance department reports.
will notice that they credit us with much
larger surplus than we credit ourselves with.
For instance, their reports last year showed
us as having nearly S1,3OO,000 more surplus
than our own figures. This year the differ
ence will be something still larger. The
cause of our own more conservative show
ing is this
The state departments compute our liabli-
ties on the assumption that we will earn 4
per cent. compound interest on our reserves
throughout the longest possible duration of
any of our policies. say seventy years or
more. On all policies written since April,
1882, we compute our liability on the as
sumption that we may earn only per cent.
For the long periods our contracts are writ
ten to cover we do not think 1t entirely prli-
carry larger reserve than the a per cent.
assumption which is the legal standard of
solvency.
CONSOLIDATED STATEMENT.
From it's organization to January 1, 1897,
the company received
The daily morning journal and courier. [volume] (New Haven, Conn.) 1894-1907, 1897-02-26

Part Of prem. provided
for expenses, etc. -. .S11, TOBIAS
Int and rents in excess
Of rate assumed. IL. 14,49S,567
Bal. profit and loss..., S09,1
Saved from expected
death losses ....,. 6,S64,729
Saved from reserves on
surrenders, ete,.,..,. 1,23S, $50
Inc. in market values Of
bonds and stocks. -. 1904
Sundries ......,.. l,C4S
$3S, 1855
This has been applied as follows:
Expenses of manage
nent ... .S11, 0S5, 600
Taxes ................ 4,756,S26
$15, S42, 42G
Dividends paid ..... SIS, OBS, oG5
Increase in accumulat-
ed dividends. ....... J40.43
Increase in surplus. 3,765,72J
The daily morning journal and courier. [volume] (New Haven, Conn.) 1894-1907, 1897-02-26
$1,394,241
Sa,66o,OO4

The only item in this exhibit which does
not explain itself is probably the saving
from the reserve on policies. surrendered or
not renewed $129, T59, This grows out of
lapsed and surrendered policies Qess those
relnstated) for $500 03, the reserve upon
which was $96l ST., Of which amount $751;
S1S, or about 81 per cent, was returned to
the policy-holders in paid-up Insurance, cash
or otherwise, leaving the saving mentioned,
S129.759. This saving covers some policies
which had not been In force long enough to
have value, but 1t Is principally made up
surrendered policy to help in replacing the
business SO lost, to cover the cost of the
change, and to protect the company against
the impaired vitality caused by the volun-
tary withdrawal of sound lives.
Let 1t be noted that we We're doing tom
tine or speculative Investment" business,
the whole $961,577 of reserve and all the
surplus it had accumulated would have gone
into the pool.
A similar exhibit OF the items available
for expenses, etc, and their application for
say, the last fifteen years, will be interest
ing in this connection
Daily capital journal. (Salem, Or.) 1896-1899, 1897-09-27

To Cure a Cold In One Day
Take Laxative Bromo Quinine Tab.
let's. All druggists refund the mnney
II 1t fails to cure. 25c,
Daily capital journal. (Salem, Or.) 1896-1899, 1897-09-27
Murphy at Stanford.

The San Francisco Examiner OF the
25th inst contains a large life-llke
picture of Chester e. Murphy, OF
Salem, and prints the following para
graph just beneath the same:
"In the preliminary practice OF the
men wearing the cardinal of Stanford,
Murphy stands out as the best punter
in ali the raw material which Coach
Brooke has commenced to mold into q
winning team. Murphy played
quarterback last year in the memor,
able 20 to 0 game, in which he did al
the punting for the victorious Team
Brooke has taken occasion to compll'
ment him on his work and predlcts
for him a brilliant future lie dls.
plays both Judgment and GOODNESS al
critical stages of the game"
The Examiner correspondent lefer'
| to Mummy as "S~tanford's Crack Foot
hall hunter" and "Murf' WILL nj
doubt, ere the '97-S footballlseasol
closes, prove himself worthy OF sucl
title. His chances 90 Stanford's mrs
team are considered flattering and II
case he is tthus recognized VIII VIII
new laurels in this seasons games
Daily capital journal. (Salem, Or.) 1896-1899, 1897-09-27
Garrison Murder Trial.

CoUPEvlLLE, Sep. 27.-The trial of
Walter H. Erving for the murder of
Finlay Garrison is still in progress be
fore the superior court The state
rested aJ noon Thursday and the de-
fence has but one more witness to ex
anime. The state has shown that
Finlay Garrison, on the Sth of July,
1894, told 5. NJ. Bruce, the Watcom
attorney, that he was going 20 Wild
by island to a logging camp. Bruce
met him on the street in Seattle arl
while they were talking "a young MAJ
came up whom Garrison introduced
as the man he was going to work for.
This man Tesembled Erying. Will
lam Miller, James Miller and d. w.
Zent, all testified to seeing Erving go
out the 10th or 18th of July, 1894,
with "a stranger resembling the photo
graph of Finlay Garrison.
A buckskin purse was found in
ErYing's trunk was identified by Ton
Garrison as belonging to his brother,
Finlay. The only material evidence
thus far brought out by the defense il
a diary kept by Erving's sister for the
year 1894, in which she records that
Walter Ewing went out with her or
the occasion when the states wit
nesses allege that he walked out with
Finlay Garrison. The introduction
of this diary was objected to by the
the state on the grounds that it bore
marks of having been changed, but il
was admitted and the jurors will de-
termine as to whether or not 1T has
been altered.
Daily capital journal. (Salem, Or.) 1896-1899, 1897-09-27
p-esbuterian Church Notes.

Rev. H. A. Ketchum delivered an
excellent sermon Sunday morning on
the 'Emcacy of Prayer" before d
large and appreciatiye audience
The sacrament of the Lords supper
will be administered on next SUNDAY
at1O:9O am. when it is earnestly hopeu
all members will be in attenuan00
An examination Of the church mem
hersbip shows an actual membership
or 325, Sunday morning the roll VIII
he called and it is hoped all may DC
present TO respond TO their names.
On wednesday evening the 2sthins''
IN the church p%arlors, the ladies' Oh Vns
church will tender Rev. Ketchun ano
family a reception, to which an nenl =,
hers of the church and congratlop a''
earnestly invited. A program Oh w..
and instrumental music ana Peci,a .
lions will probably be arranged anu .
sorv nlaasant time is anticipated
Daily capital journal. (Salem, Or.) 1896-1899, 1897-09-27

placer mining, it has not yet been do
monstated to be a paying proposition
Ienderfeet cannot go where the rich
claims are to be found without tho
the gravest danger of losing their
lives l went over places, 10 company
WIN prospectors, that all the ynld in
range could not hire me TO 90 over
again. AS to whether it is advisable
Ior men to 90 to the new finds al
present, opinions of the p~rospectors
differ. Those whu have been there
the longest say it is safe for from one
70 Two months yet. One thing must
De borne in mind-that all claims in
Tue Immediate vicinity Of the great
hnds have been taken. New men
u 20 farther on. l would not adj.
wise anyone to go ia until next spriny
The country in which the finds
are located is as rugged as can he
imagined. 1t will take enormous
sums to develop it,"
Daily capital journal. (Salem, Or.) 1896-1899, 1897-09-27
Another Ledge Struck.

SkAANha
TACOMA, Sept. PA special to the
Ledger from New Whatcom says:
Charles Wilson and others returnino
from the mining region said Herman
steiner, of Reese, struck another rich
free-milling gold ledge on the north
SIDE OF Root mountains last Monday.
ana IL is also reported that good placer
ulgglngS have been found on Swami
creek a tributary of the Nouksack
river, heading at Root mountains and
also in Silica creek. Wilson owns
some OF the best claims on Silica
creek and flanagan pass, having
prospected there for the past four
years.
L 20 years prospecting in Utah,
Colorado, New Mexico and California,
L never saw anything richer than the
Whatcom gold fields" said Mr.. Will.
son. He says there is a blazed trail.
leaving the state trail at Fourteen.
Mile post for the Root mountain dis.
trict. Wilson and Pierce took horses
carrying $50 pounds each over the di.
vide a mile and a half east of Hanne
gan pass,
Daily capital journal. (Salem, Or.) 1896-1899, 1897-09-27

Stop that Cough Take waning. 1t may
lead to Consumption. A 2sc., bottle {
Shiloh's Cure may save your life. Sold byD.
]. Fry.