davidaulloa/AmericanStories huggingface dataset:
The Indianapolis journal. [volume] (Indianapolis [Ind.]) 1867-1904, 1901-02-27
MARTHA TEST IRWIN DEAD.
Aunt of General Harrison and Gem
eral Lew Wallace.

Mrs. Martha Test Irwin, aunt of Gen.
Lew Wallace and Benjamin Harrison, died
at her residence, 1919 North Alabama
Mrs. Irwin had been in excellent health
during the early part of the winter, but
was taken with a sudden attack of grip
last Thursday Rapidly growing worse. she
at last became unconscious on Monday and
remained so until her death, which was
probably due to Pneumonia.
Mrs. Irwin came from one of the Oldest
families in the State. She was born about
1916 at Brookville, Ind, a daughter Of
Judge John Test and sister of the late
Judge Charles III. Test. She spent her
early days at Brookville, moving later with
her fathers family to Mobile. Ala, where
she met and married James 81. Sumwalt
After about five years of married life
she lost her husband and then came North,
where she met Mr. Archibald Irwin, Jr.,
of Cincinnati, VINO not long after became
her second husband. 1t was at Cincinnati
that Mrs. Irwin was so highly compli-
mented by Judge Corwin. of Ohio. who said
that Mrs. Irwin was the best woman con-
versationalist he hid ever known.
Mr.. Archibald Irwin, jr., was promi-
nent citizen of Cincinnati and was an uncle
years of married life Mr.. Irwin died of
cholera. Then Mrs. Irwin moved IN sue
cession to Indianapolis, Chicago, st. Paul.
California and finally returned to Indian
apolis about three years ago, where she
had since resided. For a number of years
Mrs. Irwin was a contributor to various
magazines Of the country and was
possessed of thoroughly artistic nature
She leaves a son. Edward t. Sumwalt, who
is well known as wholesale lumber mer-
chant of this city. The funeral will proba-
xa MI ri he 20
of the Rev. Dean Peters, of the Episcopal
Cathedral. She will be buried in Gro vn
Hill Cemetery by the side of her sister.
of Gen. Lew Wallace.
The Indianapolis journal. [volume] (Indianapolis [Ind.]) 1867-1904, 1901-02-27

The metropolitan police system for Ko-
komo has brought on another struggle be-
tween the liberals and conservatives. The
saloon element is working hard to secure
police commissioners favorable to a rea-
sonably wide open town and the churches
and moral forces are just active in their
endeavors in behalf of the enforcement Of
the laws. Delegations representing both
sides were here yesterday interceding with
Governor Durbin. The saloon opponents
sent the largest crowd being mostly Off
GERS and members of a civic league organ
lied Monday night
The Indianapolis journal. [volume] (Indianapolis [Ind.]) 1867-1904, 1901-02-27
OUR NOTION DEPARTMENT

he and his bride will remain in Japan an
indefinite period. He will devote much time
TO a close and comprehensive study Of COM
mercial conditions in the Flowery King
DOM His purpose is to gather material
for series OF articles for magazines. A
part of the material will appear in the Re-
view of Reviews and part in other periodi-
calls. From Japan the bridal pair will pro-
coed to Russia by way of the Transsiberian
Railroad Mr.. Stead unable to fix a
definite time when he and his bride would
arrive i'm London, their future home.
The Indianapolis journal. [volume] (Indianapolis [Ind.]) 1867-1904, 1901-02-27

Jack Howard. driver of one of the small
wagons between the postoffice and the
Union Station, was taken to the City Dis
pensary last evening by boy. He had sew
eral bad gashes on his head and was
somewhat dazed. The lad found him wan
dering near Senate avenue and Michigan
street Howard claimed not to know the
manner in which his injuries were re-
ceived and he was taken in charge by the
police awaiting the time when his memory
should be refreshed
The Indianapolis journal. [volume] (Indianapolis [Ind.]) 1867-1904, 1901-02-27

Holding such views, our course has not
been optional. Our duty has been not to
offer something else than true life insur-
ance on it's own right lines because it could
easily be made popular, but to try to make
the true thing popular by telling the whole
truth about 1t, by administering il i'm its
true spirit, working out its own proper re-
suits In our own company and letting these
stand in judgment against the results of
the expensive investment speculatiCns.
We have appealed only to those who desire
life insurance only for the protection Ii
gives and not for the speculation that can
be made of it. Therefore have we refused
to follow any of the methods of the specu-
lators. Such changes in policy plans and
conditions experience has shown to be
desirable have been freely made. Every
condition not found to be necessary TO the
proper protection of honest men and the
soundness of the company has been elimi-
mated. But we have not built with one
hand and with the other prepared the way
to tear down. The Connecticut Mutual re-
mains life insurance company.
The Indianapolis journal. [volume] (Indianapolis [Ind.]) 1867-1904, 1901-02-27
Expenses Cut in All business but Life
Insurance.

One of the most striking incidents of the
last thirty years has been that general and
extensive reduction of expenses in all CON-
mercial, manufacturing, transportation and
other enterprises by which only have these
enterprises been able to prosper in face of
an unprecedented competition. Present
profits are largely and often entirely saw
ings by reductions from former expenses.
Lower cost is the strongest factor in gen.
eral business competition. So IL should be
in life insurance of all things. But so it
is not. The expense account of the COM
panies pushing the deferred dividend invest
ment schemes is from twice to three times
the former standard of the most prudently
managed companies. But the dividend
thereby affected being so long put off, the
fact passes long unnoticed. When at last
settling day comes the striking failure of
the dividend to realize the estimate is ex-
planned other grounds than high COM
missions and expenses.
We have refused to compete In this way.
In order to maintain the low standard of
cost to the great body of policy holders we
already have we have kept expenses down
to the old standard and added only such
business as could be had on the same terms.
The Indianapolis journal. [volume] (Indianapolis [Ind.]) 1867-1904, 1901-02-27
Accordion Plating
MRS. NJ. C. PAGE, Room 7, Odd Fellows Build
ing, CO. rPenn. and Wash. SITS. Telephone 23l7
RAILROAD TINE CARD.

r. NJ. time Is in BLACK fgures.-Trains maxke1
thus: daily. S-Slceper. P-Parlor Car. O.
Chair Car. D-Dining Car. t-Except Sunday.
The Indianapolis journal. [volume] (Indianapolis [Ind.]) 1867-1904, 1901-02-27

The World and his Wife have made un their
minds that there is nothing under heaven So
certain as a cure for cough cold or difficulty
of breathing Hale's Honey of Horehound and
Tar The sale is three thousand bottles
Der day. Sold by all druggists.
Pixies Toothache DROPS cure In I minute.
The Indianapolis journal. [volume] (Indianapolis [Ind.]) 1867-1904, 1901-02-27
Mrs. winslow's Soothing syrup

Has been used over fifty years by millions n,
mothers for their children while teethng with
perfect success. 1t soothes the child softens the
Gums aIlays pain. cures wind collie, reguIatas
the bowels, and is the best remedy for diarrhoes
whether arising from teething or other carses
For sale by druggists in every part OF the wori5
BE sure and ask for Mrs. Winslow's Soothinr
syrup. % cents bottle.
The Indianapolis journal. [volume] (Indianapolis [Ind.]) 1867-1904, 1901-02-27

What Deferred Dividends Conceal.
Annual dividends put the management of
a company to a constant test. Deferred
dividends put off that test to the end OF
long period Of years BY annual dividends
a man knows all the time just what his in
surance is costing him. With deferred divi-
dends he cannot know what its cost is
until the end of the period IL he lives and
holds on; but if he dies before that time
it will have cost him too much by the
amount of surplus forfeited, and If he
lapses it will have cost him too much by
the amount of surplus forfeited and also
by the amount of reserve forfeited to still
further increase the surplus.
The annual dividend is a steady and pow
erful incentive to prudence and economy.
The deferred dividend gives a wide and
long opportunity for the extravaganza and
consequent high cost which 1T was original
ly invented to conceal, and which have
been further enhanced by the rivalry made
possible by taking of the deferred
dividend material to use in more vigorous
pushing for business.
The Indianapolis journal. [volume] (Indianapolis [Ind.]) 1867-1904, 1901-02-27
rrvALIp.s RUBBER GOODS.

Air Beds, Pillow and Chair Cushions. Hospital
Rings. Urfnsls. Bed Pans. Fountain and Bulb
Syringes. Hot Water Bottles Stomach Tubes
and Shower Baths Bath Cabinets.
VIM II. ARMSTRONG & CO..
tURCIGAL lNs1IIMENT MAKERS
"a and 22s g. Meridian street. Indianapolis. Ind.
The Indianapolis journal. [volume] (Indianapolis [Ind.]) 1867-1904, 1901-02-27

1t must not be supposed that the mainte-
nance of our position in all these matters
has been free from difficulty. The high
commissions of those companies have
tempted away many OF our former agents
and made II the more difficult to get others.
Our agents with fair commissions. with no
margin in them for rebating have worked
up business only TO see it taken from them
by men whose commissions and allowances
are such that they can rebate from 80 to
enough left to compensate their work. But,
happily, we have been able to get and TO
hold as agents the men who take their work
so seriously that they will not tempt their
client to speculate I'm his family's protec-
ton or for higher pay place him where his
policy will cost him more than il ought.
The Indianapolis journal. [volume] (Indianapolis [Ind.]) 1867-1904, 1901-02-27

The position so steadfastly held by us and
the efforts we have made from year to year
to set forth the simple truth and expose
the true character and evil effect OF the
decentralization whose growth we have here
scheduled. have, as matter OF course,
brought upon US criticism and misrepre-
sentation without stint. Success I'm getting
business by estimates, which have not been
half fulfilled. has been cited as the COM
plete justification OF that method. In the
heat of speculative competition. we have
been labeled with every epithet signify
ing want of enterprise. ultra conservatism
and lack of the modern spirit.
Even the extraordinary persistency with
which our policy holders have continued on
has been, ignorantly perhaps, alleged as
danger because older men die faster than
younger; as il the calculations OF all COM
panies must not and did not amply provide
for the whole mortality of its membership
and not merely for the younger or middle
aged part of IL.
1t is in the great multitude OF lapses and
surrenders that the companies Offering in
vestments" hope for a profit: II is by the
staying solidity OF our membership that we
can get those best results which we seek
However agents of other companies might
strive against each other, they have Joined
TO attack the Connecticut Mutual Insinu-
ation depreciation. Islander. can do In a
moment and by word that which much
time and many words may fail TO undo
The abundant defamatory literature OF
other companies has been supplemented by
The Indianapolis journal. [volume] (Indianapolis [Ind.]) 1867-1904, 1901-02-27
Present statu. of Competition.

Out of all this, the situation as respects
the life insurance business-that which is
offered to the public in its name. and the
methods by which business is promoted, by
the great majority of companies-has devel-
oped into this: There is practically no at
tempt TO sell life insurance as such and at
annual cost; Ii is not offered unless men
insist on having it, and the agent gets but
a very small commission for selling IL; the
companies push and pay the high commits
sions for some sort OF investment" bond
or contract: the essential feature of the In
vestment is the forfeitures which can be
worked into it. This takes time, so d!vi-
dends are deferred for five, ten, or twenty
years-the longer deferred the higher the
COMMISSIONER order 10 secure many
forfeitures as possible. All contract safe
guards against even wholesale frauds, are
practically abolished. and the protection OF
honest polcy-holders is left 10 what the
various courts may regard expedient for
public morality. The companies are. by
the annual cash value. putting their corpo-
rate integrity. and the validity OF their In
The Indianapolis journal. [volume] (Indianapolis [Ind.]) 1867-1904, 1901-02-27

Dividend Periods.
In view of the lack OF experience and
the small amount of business. and follow
ing again English precedent dividends were
made only at the end of five-year periods,
or were not begun on any policy until il
had run five years The profits from for
FIXTURES, the high rates of interest. and the
savings from the low expense rate, all
contributed. in the carefully managed COM
panies, 10 make the dividends Unexpectedly
large. IL was not many years before an
nual dividends became the general prac-
tice.
Non-Forfeiture.
Presently, the inequity of keeping mans
contribution TO the reserve on a policy
which had lapsed and ceased TO be a liza
bity. and the current cost of which while
II in force he had fully paid. began
to be more clearly seen and more generally
understood ''Non-forfeiture'' became one
Of the strongest competitive attractions.
The Indianapolis journal. [volume] (Indianapolis [Ind.]) 1867-1904, 1901-02-27

surance contracts. completely at the mercy
of those who for personal convenience. or
III a panic. may wish 20 withdraw. taking
with them the good lives which gave a safe
average mortality. and the funds which
alone make the insurance contracts secure.
By 'loans policies" which are rarely
paid by the borrower, they offer him every
venience as large a part of his family $
protection he can borrow: and, TO crown
all, the fight between the companies which
hates of premiums. carried 10 such a de-
gree that devices now being adopted
which may enable company TO dispense
with any legal reserve liability for the nrst
year. leaving almost the entire first year
premium available for expenses; device
which can be extended TO any number OF
subsequent premiums when the exigencies
OF competition which have caused its use
to the extent of one premium, shall have
so grown by what they have FED upon as
to require the absorption Of more
The Indianapolis journal. [volume] (Indianapolis [Ind.]) 1867-1904, 1901-02-27
Annual Dividends, and Why

The cost of the protection to the man pay
ing for it is the difference between the
premium charged on the face Of his policy
and the surplus returned to him. In this
adjustment he pays his actual share of the
mortality and expenses and is credited
with his share of any surplus interest earn
ings. The savings from mortality, expenses
Zach year the company knows just what
his risk has cost them TO carry; therefore
each year the man should pay that cost and
each policy is annually determined the sur
plus, If there is any safely Invisible. should
be annually returned, so that only the
actual annual cost is annually paid.
The only proper reason for deferring divi-
dends is either that there is nothing to
divide or that there is something in the
condition of the company or its business
which renders division highly inexpedient.
Deseret evening news. [volume] (Great Salt Lake City [Utah]) 1867-1920, 1901-07-06

greater conqucsts. As one New York
technical PAPER put 1t. not many weeks
ago: For the past few years. when any
important English electric) railway
contracts we've pending It has not been
a question as to who, but as TO which
American. would carry off the prize"
About one-half OF the motors on the
street-cars IN Britain are American.
For trucks the Brill company, of Phil
adelphla and the Peckham company.
OF New York, hold the field. For the
splendid equipment OF the Central Lon
don Railway the english engineers had
TO go 10 the General Electric company
OF New York. ami for their lifts 10 the
Sprague company. Macart9ey, Neil
roy, and Co. OF New York. boast that
they have fitted out eleven Of the lead
Ing street electric tramway lines In
Great Britain. The British Thompson
Houston company. The English agents
for the General Electric company. Of
New York, supplied the electric street
car equipment for the new West lon
don lines and for two dozen others The
Westinghouse company. one OF the most
powerful corporations has entered the
field on such a scale. and with such
splendid facilities that It's progress rep
resents the march OF triumphant
army.
Deseret evening news. [volume] (Great Salt Lake City [Utah]) 1867-1920, 1901-07-06

trio traction material that the greatest
triumphg of the American invaders have
occurred. When the construction OF
steam railways opened up a new era
In industry. England was first and the
rest Of the world nowhere. II was
English engineers who designed. Eng
lish capital financed, and very often
English labor constructed the great
lines OF many countries.
Today steam Is Kissing its own funer-
al oirge and electricity Is rapidly TAX
ing its place as the motive power Of
the immediate future.
The amount OF capltal invested in
electric traction undertakings viii be-
fore long rival the expenditure on
steam roads. In eleven years the cleo
trio railways OF America have increased
from $50 miles to 10000, involving an
outlay OF about a thousand million dol
lars.
In England We are Just awaking TO
this new business. But during this ses-
sior alone bills were presented 20 par
lamert asking power TO construct 173
single mile tracks OF electric roads,
costing over e24.0OO00 and with Dor
rowing powers Of nearly e30.O0O0OO.
NOhi.Nb NE Olsb lONs
SO far, bota In this country and
America, the business has been mainly
confined g laying down electric tram
ways. Now bigger things are coming. We
have the substitution OF electricity for
steam on the IL" railways Of New
YORK, and MT only are all our new I'M
dsrground railways in London electric.
but tht uid lines are about to become
so. Engineers are already solving the
problems OF applying electric traction
10 heavy, itng-distance trains. The
elecnic mono-rallway with its trains
going over one hundred miles an hour.
will teiore many years be a common
place. and the change from steam to
electricity Cor all trains inside London
must before long come, THIS has al
ready been done. wi'h 81 NJ Success. al
e beautiful Orleans terminus at
Paris
In short. one Of the most gigantic In
dustfies OF the twentieth century is
spiinging 90 hlt under our eyes. Who
has this business? In England we
have allowed IL TO pass largely into
American lands.
One or two enterprising British firms
have. II IL true managed 10 hold their
own by filllnE ileir shops with Amerl-
eau machine tools. and by adopting
American methods. But In the manu-
factufe Of electric machinery for trac.
ton purposes. the Americans are to-
day right atop. Their representatives
re most Of the best contracts, and
thD are planning schemes for still
Deseret evening news. [volume] (Great Salt Lake City [Utah]) 1867-1920, 1901-07-06
OUR RIVALS STRENGTH.

And this Is only the beginning. The
American firms have now the prestige
Of great successes behind them. They
have experimental ana learned our
needs until now they are equipped OF
every point They are studying our
prejudice against having all our sup
plies from America The Westinghouse
firm. for instance. has started an Eng
lish company. with fair proportion OF
English capital. and English directors.
IL Is constructing enormous works in
the Trafford Park estates, near Man
chester. where IL Will soon employ 5000
hands. Bat Il Is American brains be.
hind, and the directing genius Of Mr.. y.
O. Westinghouse 10 the motive power.
Deseret evening news. [volume] (Great Salt Lake City [Utah]) 1867-1920, 1901-07-06

To some minds the discussion Of the
question of possible or probable candi-
dates for the Presidency at the present
time, three years before such candidacy
can take concrete shape, may seem en-
tlrely futile, But yet TO the practical
politician, three years Is not such long
look ahead. He Is accustomed to the
fixing Of goals at even more extended
distances and to silent, persistent eff
forts TO reach them in advance of his
rivals. The Presidency Of the United
States is a goal worth any mans
while TO reach. Many are striving now,
or their friends are striving for Them
to obtain the coveted prize. In this gal
lery Of men prominent In the two great
parties OF the country may be seen
those who now stand foremost in the
eyes OF political forecasters as possible
cdnuluateb LOT fTesluelllltl noHOis'
On the Republican side. since Presi-
dent Mckinley has eliminated himself
from the contest, there holds place as
favorlte In the entries in the view of
many shrewd politicians Benjamin b.
Odell, Jr.. now governor OF New York.
He Is practical politician they say,
man with an unassailable record.
above all a man in whom his party as
soclates can place firm reliance, Both
the political and business interests Of
the country they argue, would be safe
In his hands
On the other hand there are many
who believe that II candidate for the
Presidential nomination is to be pre-
scented by New York the Vice President,
Theodore Roosevelt, would be the log
ical nominee. They urge that Col.
Roosevelts position places him. or
should place him, In line Of promotion;
Deseret evening news. [volume] (Great Salt Lake City [Utah]) 1867-1920, 1901-07-06

those who have closely watched his
career predict that he viii become
much more prominent within the COM
ing three years. He Is a capitalist but
Is known as the friend Of labor; he Is
rich, but advocates the cause Of the
poor; he is radical in theory and action,
but cannot be accused Of meditating de-
signs harmful 10 the general business
interests of the country. Wlthal he has
an interesting personality that might
easily place him in the position Bryan
has held for a time.
Going further west, Minnesota pos
sesses a possible candidate. Charles a.
Towne, for short time United States
Senator from that state by appoint
ment OF the governor, At the last
Democratic National convention Towne
would have received the nomination for
Vice President had Bryan's wishes on
that point prevailed. 1t IS within the
line OF possibilities that at the next
convention Bryan might throw the
weight Of his influence TO secure the
nomination for Towne as he believes
him to be faithful exponent Of the
doctrines he himself breaches. II Is
true that Towne is now out OF politics
and is engaged In an effort 10 make a
fortune in oil. The possession Of for
tune, II he makes, one, would not be
hurtful TO him as a candidate and the
fact that he is now in retirement from
political strife and turmoil would prob
ably be beneficial TO him when the time
Of activity again approaches.
Carter H. Harrison. the reelected
mayor Of Chicago, is regarded by many
politicians as man who may be se-
lected TO lead the Democrats In the next
campaign He has the cachet Of sue
cess to recommend him. he comes from
state It would be all important to the
Democracy to carry; his name would
appeal to the younger and more ag-
gressive element in the party, and, they
say his career as a public man is suff-
cient TO convince the conservative ele-
ment OF the party that he would be a
safe man.