davidaulloa/AmericanStories huggingface dataset:
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
CANOES AND SLOOPS
RACE ON THE CREEK
-RATER NINETTE BEATS
THE OAKLAND FLEET.
Vitesse Wins the Holiday Cup of the
Canoe Club on Time
Allowance.

The February race of the Oakland navy,
postponed from the 18th inst. because of
lack Of wind. took place yesterday on
San Antonio Estuary over the usual tri-
angular course of about seven miles. -Four
canoes, three sloops and the half-rater
Ninette started. Ninette won, covering
the course in 1 hour 26 minutes IS seconds,
the canoe Whim being second in l hour
81 minutes and 4 seconds. The start was
made at 12:39 p. m, and there being no
time allowances in the Oakland navy
races, each boats starting time was taken
as 1890 p. m, and the first boat to cross
the finishing line opposite the Alameda
Boat Club house won. The table shows
the results:
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27

the Christian home, as it recalls Wash
ington's own words, All | am | owe TO
my mother. The home is the palladium
Of the republic: the Sabbath is necessary
to the home.
THE Sabbath is necessary as a day of
worship. Worship inculcates reverence.
MonarchieS may exist by force, but re-
publics can live only by virtue. Worship
establishes a standard of morals And as
a worship day Sunday is the great oppor-
tunity for religious enterprises. Ten mill
lions of children are trained by ,O0O, 200
devoted teachers in the principles of true
character. 1t is the day for deeds of
mercy and philanthropy in hospitals,
prisons and the slums. There ought to be
a Sunday law setting the day aside as a
rest day, a worship day, because this is a
Christian nation-so recognized in the
common law Of the land.
This State should enact and enforce a
Sunday law, because Sabbath breaking
leads to anarchy, unbelief and i'm
morality Places of blacklist vice thrive
on the Sunday because the victims are on
the streets on the Sunday In defense OF
the weaker elements of society Sunday
law ought to close places of vice. With
out a Sunday law labor is being gradually
enslaved Labor organizations should
earnestly demand a Sunday law and a re-
duction of Sunday labor in self-defense.
Avarice and greed are requiring seven
days' labor for six days pay. As pleas
ure day the Sunday is already slumber-
ing volcano
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
A NICE FAMILY ROW.
Efforts of a Drunken Man to Clean
Out His Batch of Relatives.

ALAMEDA, Feb. PA wedding and a
free family fight among the brothers Of
the bride took place at the Perry resi-
dence tonight Miss Louise Perry was
married to Manuel Mentel, on Valdez
street, North Alameda, by the Rev.
Father Gloria early in the evening. About
10 o'clock Manuel Perry, one Of her
brothers, came home fighting drunk and
proceeded to clean out the house, begin
ming with his father and mother, and
ending with the newly married sister. TAX
Ing fall or two out of the bridegroom
on the way.
The drunken man was finally laid out
with blow on the head with an ivory
club in the hand of another brother
named Julian. Manuel was taken to the
Receiving Hospital with badly cracked
scalp and mutter1ng in his delirium that
he would kill the whole family, and Ju-
Ian was arrested by Deputy Sheriff Quin-
Ian and Special Officer Stewart, charged
with an assault with deadly weapon.
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
ALAMEDANS WILL SUE
THE SOUTHERN PACIFIC
OUTCOME OF WRECK ON THE
NARRoW-GAUGE ROAD.
Thousands of Dollars Asked as Salve
for Injuries That Will Cripple
for Life.
Alameda Office San Francisco Call,
1928 Park street. Feb. 26.

Alameda ONCE San Francisco Call
1928 Park street. Feb. 26.
The Southern Pacific Company must de-
fend TWO large damage suits as a result
of the wreck of the narrow-gauge train,
January 81, at Second avenue station. 1t
was at first supposed that none of the
passengers were injured except for a few
slight bruises, but to-day it develops that
two Alameda citizens were severely hurt
one will probably be crippled for life and
the other Will suffer from his injuries for
months. r. Z. Parr of 1893 Park avenue
and. Edward Gebers of Pill San Antonio
avenue are the gentlemen. Parr has lost
the use Of his right leg. His spine was
Jared and the sciatic nerve of the right
leg paralyzed. Gebers sustained fracture
of two ribs. Both gentlemen will COM
mence actions against the railroad COM
pany for damages.
Mr.. Parr who is a mining man, states
that his injuries have prevented him COM
pleting several large transactions which
would have Melted him at least $50, 900. His
physicians offer him no hope of ever being
able 10 use his injured leg again. He will
sue for SIC. 900 damages
Mr. Gebers undertook TO reach an ami
cable settlement with the railroad, but he
saws that he received such treatment from
Claim AdjuSter Sessions that he has de-
cided to take the case into the courts.
when 1 went to see Mr.. Sessions said
Mr.. Gebers, and explained to him the
extent of my injuries l expected to be
treated courteously. He only laughed at
my claim and told me II l thought | could
6anv to go ahead and sue. l intend to
The day following the accident Mr.. Parr
had several parties examine tne raiiS on
II was found that the inner SIDE OF the
outer rails of the. curve was worn a ava,
nearly to the center. recently the oaIn-
aged rails have been replaced by new
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
The Real Purpose of and True Motive
for Life Insurance.

When a man marries he makes his wife
practically helpless and Dependent nto upon pSa
world utterly helpless and dependent on
him He has created, OF his own free
Ttll helplesss and him epefa or pro taS
against their need and their helplessness::
Society looks to him to protect 1t against
the helpless dependence %nl Sbi c can ap
peal to unselhsh affection, honor. ana
conscience he is bound to protect MS ram
ence which he has imposed upon them,
and to protect society against the ourden
which belongs to him because ne has as
made IT, And this he does, ordinarily; by
his own productive labor. While ne llves
he works and earns. and his earning sup
plies his family's need ana is Iheir p.S9-
lection In their helplessness ana de"eno-
ence.
But his life is not certain for hour:
His family are under the constant ri lsS Of
with the protection gone. 1t is this con-
It is this ss UNPROTECTED helpless dependence
to which he has exposed them; 1t is against
this which he is therefore bound TO pro
tect them. He is bound to provide al once
and to have always ready Sufhcient SUD-
stitute for his earnings after he is gone. ;,
There is but one possible way 10 dQ an an
this Thrift and saving alone cannot 90
it. If he lives long enough ana saves, ne
may after many years have enough Tor the
purpose But that is as uncertain as his
living to earn the daily bread. The fam.
iiy's risk is now, every day. The effect of
saving and laying aside In ordinary ways
is far off in the uncertain future. me
family needs instant and constant and ruli
protection against an instant and constant
risk They can have IL in but just one
way; the man must take of his savings
sufficient amount and use it as life in
surance premium. His small annual saving
so used will provide instantly and con,
stantly the protection they need and
which he can furnish in no other way.
Therefore he is bound to use life insur-
ance for their protection. That is the pur-
pose of it; that is the one thing 1t can 90
that nothing else can. There is his only
true motive in 1t; an obligation which has
no alternative except the denial Of duty TO
those he has made helpless.
To the perfect accomplishment or TINS
simple single purpose agd result should
every incident of the business be adjusted:
It's every dealing with the husband and
father should be Informed and inspired by
the high motive which moves him to IN
woke it's indispensable aid for the instant
and effective protection of those whom ne
must but cannot otherwise protect.
If it is his clear duty to use life fnsur-
ance, then it is the clear duty of those
who administer it to make that use as
effective as possible to it's true end; to
give him its sincerest, simplest, best help
at its least possible cost, and with an eye
single to the family's most complete pro-
lection.
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
NORTH PACIFIC COAST RAILROAD.
" SauSalito FerrV.

Via SauSa1ito Ferrv.
FROM SAN FRANCISCO TO MILL VALLEY
AND SAN RAFAEL.
WEEK DAYS-'7:20. 1890. 11:00 a. M; '1:45s
a:45, Sis. $500 $3.50 p. m.
EXTRA TRIPS-For San Rafael on Mon
Gays. Wednesdays and Saturdays at 11:sO p. m
SUNDAYS-ssoo, 1000, s1130 a. NJ; TIA,
2:00 1870 6:15 D. m
Trains marked run to San Quentin.
FROM SAN RAFAEL TO SAN FRANCISCO.
WEEK DAYS-5:25. 's:s5. 7:45. $3.50 a. m-i
'122e 2:2o. s3:45, sos p; m. 1yo.n.ss.v.
sUNDAYsgs:2o. 500. 10000. s11:55 Nj
Trains marked starts from San QuenLln
FROM Mill VALLEY TO SAN FRANCISCo:
WEEK DAYS-5:45 Gas. 1886. $40 a. m
1926, 2:45 $3.50, $40 p m.
EXTRA TRIPS on Mondays. wednesdays
IS. SuNDAYsss:oo. 1905 a. m; 1905 1:20. $40.
500. $40 p m
7:1o a. m week days-Cazadero ana way sta ns
S:l5 o. m Saturdays-Dunean Mills and way
500 a m. sundays-Dunean Mills and way stas
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
The Purpose and Value of Mutuality

Because life insurance is the one and
only way in which men of moderate or
small means can at once provide the nee
essary family protection. and because it
is at the cheapest matter of cost and a
pure expense to him who provides it, in
order to make it as cheap as possible, and
so as largely available as possible, to all
who need it, it is sought to give it to each
policy holder at its bare, actual cost.
The cost of life insurance is due to two
things: The death losses and the ex-
penses. In calculating the premiums to
be charged both these things are as
sumed, as they cannot be exactly fore-
known If the losses are less than was
assumed. a part # that element of the
premium is saved. If the expenses are
less than was assumed. part of that
element Of the premium is saved. If
more interest is earned on the
reserves than was assumed. just
so much more of the premium is
saved If now these three items of saw
ing are returned to the policy holders in
the proportion that each mans payments
have helped produce them, then each man
will have his insurance at its exact cost
to the company, no matter what the
nominal premium on his policy may be.
He gets the most insurance possible for
his money. That is what mutually does.
That is what 1t is for.
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
rhrea .,odies Recovered.

SAN JOSE, Feb. 2s.-The bodies of the
three men, who were caved upon while
digging ditch for irrigation purposes =, s,ses
e1l,rrned AZ an early hour this morning.
a Coroner's Inquest was held, the verdict
Being that Patrick Oily, George Bentler
an accidental cave in, responsibility being
fixed on no one.
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
ss:ss. s:soesso':
MILE. PIANKA SWOONS
AMONG FIERCE LIONS

n of passed
49, performance
croung gloWeng
line pets
The did know that she had tainted until they heard the
long iron pole with which the lions are driven the big into th
closed is in i'm
wild
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
LIFE INSURANCE.

things have won great magnitude; but 1t
has, been done by persuading the public,
in the hope of personal profit, to invest IN
schemes many of which avoid even the
name of life insurance. which in operation
destroy equity and all mutuality between
policy-holders, and which have been Gull
ningly devised to conceal from policy
holders the enormous cost at which the
competition has been and is being con-
Quoted. Dividends are postponed for long
periods of years in the certainty lnat
those who do not continue on through
them will not have the chance to see the
effect of a high expense rate, and IN the
hope that these will go out in such mum,
bers that they will leave enough behlnd
for those who do continue through 70
make them Indifferent to the general nlgh
cost.
Against the almost infinite number OF
such plans, made TO look desirable by va
rious devices, we ask every man VINO mas
a family to protect to carefully note "n ma
is the real purpose, the true motive the
true methods, and the proper cost OF ne
insurance, and the manner IN Wnlcn the
Connecticut Mutual illustrates theso
things in it's business.
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
High Dividends-Low Cost.

Az a consequence of all this long-con-
tinued care and economy, the aggregate
savings of the Connecticut Mutual have
Company. It's annual returns or dividends
of these savings to it's members have
been larger than In any other company,
unless in cases of exceptionally favorable
treatment at the expense of others.
Therefore its insurance has cost its
policy-holders less, both as a whole and
individually, than in any other company.
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27

And the conditions which have produced
these results for more than half century
are still fully operative in the care and
economy with which us aLalIS a are con 4.
which these qualities appear in It's most
active competitors.
Its Proper Clientage.
To those who desire to do fully: at its
least cost and to the utmost of their
financial ability, their duty to their fa1nl-
lies. and to use life insurance ZOE th far
themselves, the Connecticut Mutual offers
the utmost that life insurance can accom-,
plish, in its simplest, elearest forms inns OF
the Soundest basis of any, and at lower
cost than has been achieved by any other
company. Greater service can no life
insurance company render.
The Witness of Fifty Three Years.
In the fifty-three years of it's work the
Connecticut Mutual has received;
For premiums ......... s2o1. 62S, AS II
For interest ........... S2,056,o95 80
For rents .............. 1854. no So
Balance profit and loss 1850. $50 0S
Total receipts 1922, 4S5 POI Al
1t has paid death
claims for ..........-S 81, Isl, 410 "A
Endowments and an
nuities for ........... IA, 272, 403 30
cies ................... 25.o55. 800 %
For dividends ......... IS, 523, 93S so
A total returned to
policy holders
their benehciaries.
being 1911 per cent
of the entire prem
iums received. ....... $1s5, 00S, 657 II
1t has paid for ex
penses ............. $4,000. SsS II
Taxes ................... 1898, 63S 03
Total expenditures $3.50, s2S, 1as 81
Balance net assets, January 1.
1899 6l,S01,Oo1 %
1t has additional assets (see state
menD OBSERVATION-DISCLOSURES. z'SS0osf %
Total assets o. 49, 100 70
Nearly 81 per cent of the premiums paid
by policy-holderS have been paid TO their
beneficiaries or returned to themselves,
s64 1877 755 06 are held for the protection of
existing policies, with a surplus OF 81 ,5l6,-
542 on; and this has been done at an aver
age expense rate of only $50 per cent.
This is an unmatched record; but its
best significance lies in the fact that the
same principles which undelaid and pro-
duced these results are as fully operative
to-day in the management of the company
as at any time in its fruitful history; the
same prudent care. the same economy, the
same true mutually and equity, the same
soundness and strength and the same UNI
paralleled low cost Respectfully sub
mitted,
JACOB L. GREENE, President.
Hartford, February 10, 1899.
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
Hancock Eleven Wins.

An exciting football game took place
Yesterday afternoon between the Hancock
School eleven and the Montgomerys. re-
shifting in victory for the former team by
q score of 5 10 2
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
True MutuaIity.

The Connecticut Mutual aims to make
this principle effective in it's widest scope
and to its highest degree. Not only has
1t no stockholders to absorb these yearly
savings as their profit, but it has no Ton
tine, Investment, or other special classes
Of policy holders, with postponed or de-
ferred Dividend periods, each man hoping
to make a speculation out of the accumu-
lated savings others may have to leave
behind them by death or lapse during the
period. It's yearly savings whether from
low death rate, a high rate of interest
or low rate Of expense, go directly back
to its policy holders in the proportion in
which each mans payments have exceed
ed the cost of his risk in yearly dividends.
SO that year by year each man gets his
insurance at it's actual cost to the COM
pany and at the lowest cost which by
careful selection of risks, good investment
and economy in expenses, the manage
ment is able to secure No policy holder
gets the savings made on another mans
policy. No policy loses its savings because
of the death of the insured. His savings
are paid with the policy. In case Of lapse
his contributions to the reserve are not
put into the deferred dividend speculation,
but are used as a single premium to give
paid up insurance for as large an amount
as possible in place of the policy which
has 1apsed.
We give to each his own overpayments.
and to no one what of right and equity,
and true mutually, belongs to another.
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
Cost in the Connecticut mutual.

The Connecticut Mutual exercises great
care in all that affects its death rate; 1t
confines it's business to the healthy por-
lions of our own country. No desire for
varied climates, under conditions of
widely differing effect upon life and
health, and beyond effective control. It's
medical service is organized with great
care, and the result of it's selection of
risks is shown in the very low mortality
and the great saving already referred to.
IT'S interest rate Is as high as is con-
sistent with safety and has SO far been
q source of large saving. With it's per
cent assumption its experience is likely to
remain relatively good.
It's rate of expense is and always has
been less on the average than that of any
other. company. The expense rate of its
greatest competitors ranges from IS to
Connecticut Mutual. It's savings from
that source are unequaled by any and ap-
proa ched by very few indeed.
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
True Cheap Insurance.

Obviously, that company which has the
lowest death rate, which earns the high
est interest, and pays out the least for
expenses, will give insurance at the least
cost to its policy-holders, as a whole. 1t
will effect the largest savings. If it re-
turns those savings in strict conformity
with the principles of mutually 1t will
also give the cheapest individual insur-
ance on the average. We say ION the
average" because some companies which
make dividends so discriminate against
certain classes of policy-holders and IN
favor of others, that while in the aggre-
gate and on the average their dividends
are very small in certain cases they may
be large: a poor sort Of mutually.
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
LIFE INSURANCE.

And the conditions which have produced
these results for more than half century
are still fully operative in the care and
economy with which it's affairs are con-
Quoted, and in the contrasted degree IN
which these qualities appear in its most
active councillors.
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
Builders Contracts.

Robert strahle (owner) with William Plant
fcontractor) architect owner-AH work for a
i-story and attic cottage on line of Duncan
street. 1856 e of Sanchez, e 20 by S H.
e. L. Christfn (owner) with z. c. Bletch
(contractor), architect owner-All alterations
and additions, owner to furnish finished hard
ware and altering porches for rear houses etc,
to make a 2-story frame building on line OF
TO-
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
THE SAN FRANCISCO AND SAN JOAQUIN
VALLEY RAILWAY COMPANY.
From Jan Is 1892 trains viii run follows;

Stopping at intermediate points as required.
For particulars Of stage and other connections
inquire at Traffic Managers Office. 81 Market
xtreet. San Francisco.
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
Insurance in Force.
A Favorable Mortality.

We had a very favorable mortality ex-
perience for the year, the losses incurred
being so much less than those expected by
the Mortality Table and provided for by
our premiums and reserves as to make a
saving of $541 ,26S. While our death rate
varies somewhat from year to year, such
has been the care exercised in the accept
ance of risks that the variations have so
far all been well within the amounts called
for by the table, affording very material
savings. In no year has such a saving
failed TO be effected.
The San Francisco call. [volume] (San Francisco [Calif.]) 1895-1913, 1899-02-27
Its Proper Clientage.
The Witness of Fifty-Three Years.

In the fifty-three years Of its work the
Connecticut Mutual has received;
The Penn's Grove record., 1899-08-04

Tho next and perhaps the most i'm
portant point of all now is, how can
we improve the size and color of our
cherries? We have been told until
we are weary that the cherry tree
does best in sod. We do not believe
it, for sueh a suggestion goes dead
against our contention that all fluis
trees are moro fruitful when the sur
face soil above their roots is clean,
unoccupied by anything growing,
whether it be grass or weed. We ad'
NIT that in the summer heat the
cherry tree needs water, and a largo
large quantity of it. Also that cool
ness above the roots is an advantage.
We do not mind saying that sod in
sures GOODNESS to a certain extent, but
grass robs the soil of plant food and
takes what the roots Of the cherry
tree want and should have instead.
To meet the demands OF the cherry
tree III summer, il just previous to
and in the fruiting season, VIC prefer to
act thus, and find the resultmore salts
factory by a long way; To insure cool
ness over the roots use a mulch
of stones. They need not be too
small; they will answer the purpose
much better than either stable manure
or sod ever eau. They do not keep
out the air; they retain the moisture
from the morning dows, and act most
benefcially. Next feed with liquid
manure now and again, after the
fruits begin to swell, and then see
how they develop. Well, those who
have never grown cherries before I'M
der this method will, upon testing it,
be amazed at the results. One OF the
finest parcels of BIG cherries ever
marketed came from trees treated
thus under our instructions. When
they were being put upon the cart
one day a passing grower said to the
owner of the fruit; 81 say, guv'nor,
how do you grow cherries like them
The owner gave no reply. We give
the secret away. if secret il be, salts
fed that il the system is adopted we
shall be able TO dopble or treble the
weight of the crop OF each tree.-St.
James's Gazette