davidaulloa/AmericanStories huggingface dataset:
The San Francisco call., 1897-12-19
The Pacific Mutual Life Insur-
ance Company Of California.

This corporation was organized in
December, 1867, and commenced busi-
ness in April, 1868. It's first board of
directors was composed of the follow
ing we'll known citizens of Sacramento:
Leland Stanford, H. H. Hartley, Leon
ard Goss, Samuel Lavenson, P. II. Rus
sell, H. T. Hastings, J. H. Carroll, Con-
rad Well, James Carolan, B. F. Hast
ings, G.. r. Moore, Newton Booth, D.
W. Earl, z. B. Kenyon, Robert Hamil-
ton, and its first president was the late
Leland Stanford, war Governor of the
State of California. OF the original di-
rectors there still remain three upon
the board, viz: Samuel Lavenson,
James Carolan and D. W. Earl. OF the
remaining twelve but two are still liv-
ing. In October, 1881, the home office
Of the company was removed from Sac
ramento to San Francisco, and now
occupies three floors of it's own elegant
building, situate upon the northeast
corner Of Sacramento and MOntgom-
cry streets, in this city. During the
thirty years of it's existence the COM
pany has paid to policy holders and
upon their account more than $8, 800, 900,
and it is distinguished for the prompt
ness. with which it pays it's obligations.
The business Of the company, which at
first was confined to the State of Cali
for1ia, now extends into thirty States
and Territories, going as far east and
including the State Of New York Ow-
. ing to it's favorable legal organization
for policy holders, its able manage
Tnent, superior policy contracts and
prompt payment of claims, it is be-
coming more and more widely and ia
vorably Known, and as consequence
it's business is rapidly increasing, and
it is making a steady gain in insur-
ance written and in force and in in
come and assets.
For many years past, as at present,
very large sums annually have been
sent from California to Eastern money
centers to pay life insurance premiums,
and the money now held by Eastern
companies upon California business is
estimated to aggregate not less than
800 600 900. This vast sum remains per-
rnanently withdrawn from California
and invested in the East. The Pacific
Mutual is reversing this order of af-
fairs. and is drawing money from
Eastern policy holders for investment
in California; thus to a degree coun-
teracting the financial drain to the
Eastward and materially contributing
to the volume Of money in circulation
here; and the time is fast approaching
Amen the premiums received from
stern policy holders by the Pacific
n tual will equal the sums now paid
IN citizens of California to Eastern
coADanies. AS an illustration OF the
extent of the company's business 1t
may be mentioned that within the past
three months it has had claims for
deaths occurring in Paris, London and
New York. The company's present
board Of directors is as follows: George
w. Beaver, James Carolan, w. r. Clu-
ness w. H. Crocker, L. p. Drexler, ID.
W Earl, Charles n. Fox, J. f. Hough-
ton, james Irvine, II. M. LaRue, Sam
uel Lavenson, George A. Moore, George
The San Francisco call., 1897-12-19
LIABILITIES.

Losses adjusted and unpaid I
Losses in process of adjustment or
& in suspense $685.. $50 90
Losses resisted, including ex-
POiA9SS ............
Gross premiums fire risks run
ming one year or less, $7S65. $50 81
rein reinsurance 50 per cent. $685. .s75 Is
more than one year, sc, 1852 O97 7S
reinsurance pro rata $780, 7O2 "a
perpetual fire insurance policies. PIG, 7O5 90
Llapllty under Life Department. .26, ,776, $50 90
Cash dividends remaining unpaid. 46,2SS IS
All other demands against the com
pany Observation-Disclosures. 269 OS1 IS
The San Francisco call., 1897-12-19
SUM FIRE INSURANCE GO.
One ."of the Oldest and Most
Responsible Enterprises
:: in Existence.

The Sun Insurance Company of Lon
don, which is represented on the Paci-
nc Coast by w. J. Callingham, at 430
California street, was founded in 1710
and is therefore one Of the Oldest COM
merciaE:. undertakings in existence.
With: a capital of $12 500, 900 and a net
SURPLUS of $S,000,000, it towers among
the financial institutions of the world
Its business, although confined exclu-
sively to fire, extends to every quarter
Of the civilized globe. Its American
assets are $2,641,51S, with a net surplus
Of $1,Q2!, 40, which, taken IN connection
with. the enormous assets of the home
Office, furnishes a substantial guaran-
tee to;every policy holder in the United
States.
MI. Ca1lingham, the manager of the
Paciffc Coast department, is one of the
foremost fire underwriters in the busi-
ness. Although an Englishman by
BIRTH he is naturalized American cit
zen: and has lived in this city for
twenty eight years. A man of un-
sWer%ing integrity and possessing rare
capacity for organization, he enjoys
the respect and confidence of CONNER
cial circles. He is a leading member
Of the Bohemian Club, and moves IN
select social circles. The office of
which he is the head challenges COM
Htrison for method in the dispatch or
tlsf3le$s. and for system in disposins
the.."Yaried transactions which cen
: r. III. a general agency. It's business Is
Vide: and prosperous, covering an area
extending from the Pacific Ocean to the
easteFn border of Colorado, and from
Colorado to Mexico, with the Hawaiian
islands to the westward. Besides its
strength in absolute cash assets, the
Sun Insurance Company possesses the
valuable features of an unlimited la
bility corporation, which pledges to the
policy holders not only its own cor
pOrate funds, but the entire fortunes
Of its Individual stockholders.
The San Francisco call., 1897-12-19
INCOME

Net cash actually received for fire
premiums ACKNOWLEDGEMENTS. SO 264 3
Received for interest and dividends
on bonds, stocks, loans and from
all other sources. s..................... $3.50
Received for transfer fees....... 8
The San Francisco call., 1897-12-19
GORDON M. STOLP.
HON. CHARLES DEWEY.


The National Life Insurance Company of Montpelier W.T.
organized in 184 doing purely mutual life Insurance buS
ness 1t is the pioneer Of guaranteed Values and has
Written anything but that since has been in business
Hon. Charles Dewey president Of the company has taken
the work his father nauguated and the pride the Dewey
family.
The company the oldest the largest and
dnu the strongest purely mutual life insurance company doing
business
Gordon M Sop general manager of the company is one of the
best known and most popular Insurance in the United States
he Was formerly connected with the North Western Life Of MWdu
kee WIS., and he Pighu bU his tact and knowledge Of the
business as we'll aS the excellence Of his connections Written
policies d the magnitude Of which other agents look dghaS
The San Francisco call., 1897-12-19

CHARLES ALCOCK, Manager.
w. McLAREN, Asst Manager
Subscribed and sworn to before me this 9th
day of April, 1897.
HENRY GLYN PIERCE, Notary Public
The San Francisco call., 1897-12-19
RISKS AND PREMIUMS.

RISKS AND PREMIUMS.
Net amount of risks Fire Premiums.
written during the
year $685. 414596 1o,264, 800 90
Net amount of risks
expired during the
year 2O4. .5Ss 1o,12s, ,Os9 So
Net amount IN force
Dec. 81, 1S96.........2 903 o03, ,84s 1461s 04s o4
The San Francisco call., 1897-12-19
EXPENDITURES.

Net amount paid for fire losses. IS, So!
Dividends to stockholders. SCI
Paid or allowed for commission or
brokerage ............
Paid for salaries, fees and other
charges for officers clerks, ETC.. SS7e
Paid for State, national and local
taxes ..:....................
All other payments and expenditures
Total expenditures. .............. $40. 5OI
The San Francisco call., 1897-12-19

Industry furnished the Calls new dress.
The Pacific States Type Foundry (Home
The San Francisco call., 1897-12-19
STATEMENT
OF THE
CONDITION AND AFFAIRS
OF THE
ROYAL
INSURANCE COMPANY

Of LIVERPOOL, ENGLAND, ON THE
~ S1st day of December. A. d. 1886, and for
the year ending on that day, as made to the
insurance Commissioner of the State of Cali
fornia, pursuant to the provisions of sections
6l0 and GIL of the Political Code, condensed as
per blank furnished by the Commissioner.
The San Francisco call., 1897-12-19

ASSETS.
Real estate owned by company. So 615 2S5 %
Loans on bonds and mortgages. es...... 1876, 3g1 II
Cash market value of all stocks and
bonds owned by company. 919. 10 25
Amount of loans secured by pledge
Of bonds, stocks and other market
able securities as coIIateral....... TBS, 1856 As
Sash IN company's office.............. 1857 70
Gash IN banks. OBSERVATION-DISCLOSURES. 17S 4S9 81
Interest due and accrued on all
stocks and loans. SIG. 100 5S
Interest due and accrued on bonds
and mortgages. ges...................... IS, ,S59 90
Premiums in due course Of collection 1 1896 417 n
Total assets So, on, 247 IA
The San Francisco call., 1897-12-19

The Pacific States Type Foundry CHome
Industry furnished the Calls new dress
The herald., 1897-06-27

though still cool enough for comfort.
The air cooled by radiation is in sheet
near the ground Of only a few feet in
thickness Ascending almost any Ittla
gulch after nightfal1 one can feel 1t
coming down. The difference In temper
ature at night between the ground and
on the seat Of wagon Is quickly noticed
in camping out. This stratum flows con-
tinually to lower ground, where 1t forms
reservoir of cold air and adds its eff
feet to that Of the radiation already go
ing on there. At the same time there
are cool belts and warm belts running
laterally along the hills and slopes that
cannot be easily accounted for. We find
them crossing the flowing current of
cool air that comes down the gulches at
nightfall to the lower ground. This cur
rent Is as plain to the senses as a stream
Of water to the eve, and yet the warm
belts that run through 1t like veins Of
quartz through granite boulders are
equally plain. But the difficulty Of ex-
planning them does not affect the general
principle that dryness in the air in
creases the radiation that makes cool
nights, and vice versa, that cool nights
in a country having no Arctic waves
descending upon 1t, and no snow-clad
ranges to pour down sheet Of cold air.
must be caused by radiation that can
happen only through very dry air in the
upper currents II not in the lower, and
genrally in both. T. s. VAN DYKE.
The herald., 1897-06-27
The Delicious Guinea Pig

We do not yet appreciate the tailless
cavy as an article of human food. In
France they sell them for rabbits, and
there are three farms in this country
where they are reared, and which export
them to France, one farmer alone ex-
porting over $50, 900 of the little beasts.
The flavor of the meat is said to be
identical with that of rabbit meat. These
animals need constant attention to keep
them out of mischief, ae they are little
demons to fight, and they have habit
of chewing up whatever fragments they
find scattered about till they die Of gas
trio congestion. In their habits they are
subject to unaccountable panics, and
often rush about squeaking and then
huddle together quietly for the rest of
the day. They are very prolific, and the
young are not blind like the young of the
rabbit, and often when only two days
old, it is saidJ will eat grass and sop.
On the farm they are fed on cop made
OF milk and stale but not sour bread,
along with green stuff. barley and hay.
In guinea pig farming. as in quail farm
ing, it is admitted that large profits are
made-due, no doubt, to the fact that
there is SO little competition. Probably
the rabbit you SO much enjoyed at your
hotel dinners when touring in France
was simply the humble cavy dressed
up.-Chambers' Journal.
The herald., 1897-06-27
!: THE SUMNER NIGHTS
OF CALIFORNIA

One who knows how warm the winters
of California are finds 1t quite hard to
believe that in the greater part of the
land the nights of midsummer are Sd
cool that a pair of blankets are neces-
sary for comfort in sleeping. The prob
lem to many is even harder than the
freedom from frost of the slopes and
benches in winter, when ice an inch
thick may form in the bottom of the
valley not quarter OF a mile away.
On the greater part Of the Atlantic
coast it is quite different, and the differ
ence continues far over the Mississippi
disappearing only when we approach
the arid region where the conditions be-
come more like those of California. East
of about the center of Kansas hot nights
follow hot days almost with certainty
and the only places where comfort can
be found during the majority of sum-
mer nights are those sections where it
is cold in winter-in the north and in the
mountains. Then the nights are cool be-
cause the days are cool, but in California
it is quite common to find the coolest
nights where the days are the hottest.
III dll 6ltN dlCQ COuullS llhG llt III lCol
plateau of Mexico the thinner air would
account for this to great extent, but
in California we find the same effect a.
or near sea level and close to the coast.
The difference is due to the dryness of
the air, especially to that of the upper
strata far above the earth. We have
no real polar waves on this coast. The
cold sheet of air that sometimes descends
upon us in the short nights of winter is
merely the sliding off from higher to
lower ground of the sheet of cold air
formed next the ground by rapid radia
ton Of heat from it.
The cooling of all bodies in air is caused
by radiation. The heat is shot away into
space in millions of fine lines. Matter
of any kind, however finely divided, re-
sists the passage of these heat rays Tha
air itself, however thin, resists it just
as surely as the roof of shed. The
difference IS only in degree. Moisture
in the air offers strong resistance, as is
seen by the difference in the temperature
when clouds cover the sky at night. Al
impending frost is often stopped, by it,
and sometimes night that would other
wise be cool is made sitting by clouds
covering the sky after sundoWn.
Invisible moisture does this just the
same as when visible in the form of
clouds or fog. The difference is agar,
only in degree. If there were no atmos1
phere around the earth we should be
roasted in a single day or frozen in
single night And if the air column
above US contained no moisture whatever
the result would be nearly as bad.
The dryer the air, then the more rap
idly will the heat absorbed by the earth
during the day be shot away into space
as soon as the suns rays cease to strike
It, 1t is almost impossible for country
having a dry air above it to have any
thing but cold nights in summer And
it is quite as safe to conclude that any
country having very cool nights after hot
days has either very dry or very thin
air above it, though the stratum of air
next the ground may be damp from
The herald., 1897-06-27

to vanish with the sinking Of the sun.
and vanshes faster than in the rainy
belts. the quantity is still so great that
the temperature remains high almost all
night. Even the wind that sweeps
across the heated ground is often as hot
at midnight as at midday in most other
sections.
Nevertheless the principle that the
dryer the air the more rapid the radia-
tion is nowhere shown so we'll as on the
desert. Go there when the conditions
The herald., 1897-06-27

it even comfortably cool. The capacity
of the ground for absorbing heat is enor-
mously increased by its dryness. The
greater part of the deserts of California
and Arizona Go not get fairly wet for
centuries at time. The heaviest rains
only penetrate two or three feet, and this
moisture is quickly sapped by the SUBJ
soil, which for yards down is as dry al
an ash heap. Where the subsoil is wet
for many feet clear to bed rock, as is
generally the case in the rainy parts of
The herald., 1897-06-27

scent of the sun, by bed time it is not
merely cool, but cold, and frost and ice
are common in the morning.
The other exception is the common
warm belt found along hillsides and
slopes. Some peculiar formation here
prevents the warm air from rising or the
cold air from descending as it forms in
thin sheet along the ground from ra-
diat1on.
In riding down long slope at night
on most Of the California hills one will
The herald., 1897-06-27

pass through several of these belts
where a layer of warm air lies in ap-
parent equilibrium with colder layers
both above and below it. One Of the
most remarkable of these is at about
4500 feet on the side of Mount Palomar
in San Diego county. On a belt about
300 feet thick here I fonud the nights
so warm that in camping 1 could hardly
bear a blanket until toward morning,
while above and below one was neede |,
very much at dark. There was no breeze
The herald., 1897-06-27

blowing and nothing in the formation Of
the hills that could explain the differ.
ence. But these apparent exceptions in
no way affect the principle, for we find
1t in full force both above and below
these belts.
On the Atlantic coast, and probably on
most sea coasts, the whole air column
for many miles above is of almost uni
form humidity. In California 1t is quite
the reverse, and even those points Oh the
coast where the hygrometer shows con-
The herald., 1897-06-27

are changed to the long nights and short
days Of winter with the rays of the sun
striking the ground at much greater
angle than in summer and you find
wondrous change. Then the direct rays
of the sun are often almost as burning
as in the summer, because they fall
through air as dry, and the only differ
ence is that, coming on more of an angle.
they have to penetrate a greater body CT
air. Many a day is almost a. hot as in
summer, yet GOODNESS follows the de-
The herald., 1897-06-27

California, the strange power of water
in requiring a vast amount of heat to
raise its temperature keeps down the
temperature of the ground. And to do
this it is not necessary that it should be
very wet. A large amount of heat be-
comes latent, even in ground not damp
enough for a good growth of trees. But
where the soil for many feet is entirely
devoid of moisture, as Oil these deserts,
the absorption of heat is enormous on a
summer day. Although the heat begins
The herald., 1897-06-27
He Raved

Minnie-Oh, you would never imagine
the cruel things he said when ! was
compelled to tell him that the engage
ment wae broken.
Mamie-Tell me some of them.
"He said that was utterly false; that
even my heart was artificial stone, he
was quite sure"
"well, did you ever!"-Indianapolis
Journal
The herald., 1897-06-27
Peers

Chicago Is always bound to keep up
with the procession. The hyena in Lin
coin park and Alfred Austin in London
broke loose at about, the same time
Kansas City Star.
The herald., 1897-06-27
proximity to some large body of water
or other cause

To this there are two exceptions, which
are apparent rather than real. The first
is the case of deserts of low elevation,
especially sandy ones. Here the air is
so dry that the direct rays OF the sun are
very hot. In the long days of summer
with the sun nearly vertical, the ground
abGorbs so much heat that in the short
nights of summer it is not possible to
fire away enough of it into space to make
The Pacific commercial advertiser. [volume] (Honolulu, Hawaiian Islands) 1885-1921, 1897-08-24

100000 in excess OF the births over the
deaths. In the years 1S81-90, however
the balance was the other way, the ad-
dltion 10 the population being nearly
$4,000 less than the natural increase
In the period, 1S91-95, the excess of
births over deaths was 100000. but the
actual increase in the population was
slightly less than 2O0. 900. From these
figures, it appears either that London
born children are the victims of an ex-
cessIve death-rate, or else that the op-
portunities to be found in the great
capital are no longer attractive enough
10 satisfy its native inhabitants, large
numbers of whom. therefore, have been
led to seek their fortunes elsewhere.
The problem is rather obscure one.
and the new social current has not
yet been flowing long enough TO make
easy determination of its direction,
extent and cause.
The Pacific commercial advertiser. [volume] (Honolulu, Hawaiian Islands) 1885-1921, 1897-08-24
Robbed of $50.

few days since mention was made
In the columns of this paper of several
robberies committed by a thief, the
method used in entering the house be-
ing to bore holes in and remove part of
the floor. Some time Sunday night or
early Sunday morning, the coffee shop
Of Chinaman, doing business on King
street, opposite the railroad depot,
was entered in the same way and the
sum Of $50 taken from the drawer No
clue has yet been found to the miscre-
ant, but he is believed to be the same
man who committed other robberies of
similar nature within the past fort
night. Detective KAPPA has the matter
in hand
The Pacific commercial advertiser. [volume] (Honolulu, Hawaiian Islands) 1885-1921, 1897-08-24
POLICE COURT NOTES.
Long Calendar Quickly Disposed
of Yesterday

OF eSterQay.
When Judge Wilcox arrived in the
District Court yesterday morning he
found that there were So cases to be
attended to, these including people up
on charges from drunkenness to lar
ceny in the first degree Following
were the most important cases:
Kailikea, charged with larceny in
the first degree, on suspicion of having
committed the Mokolii robbery; waiv-
ed examination and was committed to
the Circuit Court for trial.
The cases of the seven boys, charged
with breaking into the home of E. B.
Thomas and taking certain goods
therefrom, were nolle pross'd.
Four of the Chinese gamblers, cap
tured by Captain Fernandes and others
Friday night, plead guilty and were
fined $40 and costs each. The cases of
the remaining eight were nolle pross'd.
Five cases of drunkenness paid
each 81 and costs into the treasury.
X. Soka, the Japanese, who was try
ing to learn how to ride wheel Sun
day night without a light, was fined
81 and costs for his lesson.
Paihinui, the native found in the
room of one of the dodgers of Fowler's
yard, Saturday night, was sentenced
to six months at hard labor on the
reef.
All Sin and All Tim were fined 50
and costs on the charge of being COM
mon nuisances.
The Pacific commercial advertiser. [volume] (Honolulu, Hawaiian Islands) 1885-1921, 1897-08-24
MAPS OF OAHU.
Fine Specimen of Work to Be
Had of Nj. ID. MOnsarrat.

Fine Specimen of Work to Be
Had of NJ. ID. Monsarrat.
The thanks Of the Advertiser are ex-
tended to NJ. D. Monsarrat, the survey
or, for large map of the city of Ho-
nolulu, recently Autographed in San
Francisco. 1t is complete in every re-
spect and makes a valuable directory
for every business man to have in his
office.
The scale is 500 feet to the inch, the
map taking in everything from Dia-
mOnd Head to the Fertilizer Works in
Kalihi and from the sea to the Govern
ment Electric Light Works in Nuuanu
valley, and showing the following:
Streets and roads, present and pro-
posed, artesian wells, fire hydrants,
fire alarm boxes, letter boxes, tram car
lines, harbor and soundings, map of
the Hawaiian Islands, map of the ISL
and Of Oahu, map of Pearl Harbor,
public buildings, principal residences,
fire limits, etc.
The maps are mounted on cloth with
rollers or unmounted, just as people
please, size, 41ax6 feet Copies may be
had of NJ D. Monsarrat on Merchant
street
The Pacific commercial advertiser. [volume] (Honolulu, Hawaiian Islands) 1885-1921, 1897-08-24
LONDON'S POPULATION.
Census Figures Show Some Pecu
liar Facts.

The New York Times says that
London's population continues to in
crease rapidly, but recent census fig
ures reveal a change in the character
Of this growth which has both sur
prised and puzzled the English statis-
ticians. Up to times comparatively re-
cent the city's increase was chiefly at
the expense of the country districts
and of other lands, the number of
births within the metropolitan limits,
when not less than the number of
deaths, being not nearly enough in ex-
cess. Thus, in the period of 1S71-SO the
increase in population was more than