davidaulloa/AmericanStories huggingface dataset:
The times. [volume] (Richmond, Va.) 1890-1903, 1902-03-15
insurance Companies Not Making Money

Editor of The Times:
Sjr,-Referring to tho matter Of fire
losses and the necessity for an increase
Of rates by the companies. in order TO
cradle them to furnish protection to the
rsuring public, T would call the atten-
ton Of your readers to an Distract from
the u ournal OF Insurance Economics, OF
sEoston,'' not only for the year Of 1901,
bit for the results Of the past three years.
This compilation was made from the re-
rtrts of 1i6 companies.
The results of three years show that
the assets of the companies have IN
CT eased lin the three years s21,0S0.DeO,
While the surplus for the same time mas
decreased s4,654, 900, and an increased lia-
hility for unearned premium Of $25,T7 900.
The aggregate premiums received by the
Jas companies for the three years was
st27, 405, 00O; the actual loss ratio being
G. ITO per cent of the premium. To this
loss ratio must be added expenses, taxes,
a to-, of carrying on the business. For the
syeaf. 1901 the same figures show that six
Connecticut companies received net
earned premiums OF So, 81, 1903, whereas
4 Only one company out Of six made any
Errotit at all, and that company on earned
premiums Of s4.5 $50 made only s124,45o,
the other five companies losing for the
year 81 ,397 ,429 in the aggregate. For COM
s,anies in the States other than Connecti-
$e:,1t but organized i'll the United States,
the premiums aggregated s57,795, 800, and
the profits only se2922, 1873, distributed among
six companies out of 26, the aggregate
less on the others being S,456,0 OLA For the
foreign companies-the English and Ger
mantle premiums. amounted to SS6,621,-
The times. [volume] (Richmond, Va.) 1890-1903, 1902-03-15
Rev. BIZ. Stone to Speak at the Academy
T0.MOrrOw.

3O-AlOrrOw.
It was q great meeting last Sunday,
perhaps the hest since Fred B. Smiths.
The song service was a great fea ture, and
almost a thousand men were present To-
morrow will be a great day with the Y.
M C. A. There will be a fellowship meet
ing, at the Association building at Z: 40 A.
NJ, to this all Christian men are invited.
1t will last exactly one hour. AT the
Academy at three O'clock the eighth OF
the great mems meetings will be held.
The speaker for the afternoon is one of
tho brightest young men in America, Rev.
John Timothy Stone. pastor Of the Brown
Memorial Church, Baltimore. beloved by
his people, and especially acceptable to
young men.
Is Special music will be furnished by the
Second Presbyterian Church Choir, and
the soloist will be Mr.. Roe c. Tupman.
The doors will open at 2 :45, and the song
service will begin exactly at three o'clock
Rev. S. P. Atkins, pastor OF the West
End Christian Church, will Dpeakst to the
boys in the Association Hall at ESQ
o'clock.
Some have thought that the Bible
classes are not being held because, Of the
large Academy services, but this is not
true. The classes meet regularly as$usua !,
at five O. clock in the Association parlor !.
Through the kindness Of the pastor al no
officers of the Grace-Street Presbyter1a N
Church. there will be a special service at
night in com:nemoration Of the forty
eighth anniversary OF the Richmond AS
ISOLATION Brief reports of the work VIII VIII
be presented The speaker will be kew.
Mr.. Stone, who comes to address the
greater mems meeting in the afternoon.
To this service all are cordially invited.
The times. [volume] (Richmond, Va.) 1890-1903, 1902-03-15
Reducing Taxation.

The convention has adopted a provis-
ion reducing taxation from 40 to 30 cents.
TIE al guments male III favor of this
radical measure were based on the sup-
position that at the reduced rate enough
revenue will be raised to pay all legiti-
nj: e & expenses sof our State government,
economically administered, and that by
this means the Legislature will be pre-
vented from making extravagant appro-
priations. This is not very compliment
tary to our Legislature, but to the peo-
pie it means "a reduction Of their taxes.
and will, therefore, meet with their APP
proval-Bedford Democrat.
The ten cents reduction Of taxes pro-
posed by the convention has met with
hearty approval, and will insure the
adoption Of the Constitution.--Bedfor
Bulletin.
The action Of the Constitutional Con-
ventiona last week, prescribing a reduc-
ton of from 40 cents to 80 cents on the
500 value of real estate and visible per-;
sonal property for a. rc..icd Of four years,
was we think, the most unwise move
ment that.the convention has made, and
we sincerely hope that it will be recon-
sidered-or rescinded:-Leesburg Mirror.
The times. [volume] (Richmond, Va.) 1890-1903, 1902-03-15
MN H An, SToRE

Possibly nowhere in this country can a
more complete hat store in every sense
Of the word be found than we nave right
$hcre1 in Richmond-O. n. Berry & Co.'s.
IN the first place. they have almost q
iimitless stock. and are able to show, in
addition to the regula alton fedora and and
rerbies, which &: hey have, ranging III
sn-ices from sl.50 up to the worlds best
The DUNLAP every novelty and fad = M M
#,ioyati that has come to light to WOO
TIE public fancy or to please the lovers
8cf extreme style.
Is every mod ern fixture and deviceEto as
EsistSyou in selecting the most becoming
Slat, in conf forming to- feel as COM
Portable as your old one, N marking It
&c, is employ by o. Berry g. Cos.
and this all presided over and managed
5bymen specially skilled in ia cir line:
The partment, its appointment
and displays, Is one Of the shoWlest
sknoWns to the business.
They have their conple etc spring lines
Lon display nnnx 81 g B
The times. [volume] (Richmond, Va.) 1890-1903, 1902-03-15

f ~ -
us, divided among 70 companies, whereas
only one company, with premium receipts
a. 81, 1854 5334, made s104, 957, the loss -of the
ether Is being $3,426, G10-the grand total:
for the year 1901 being, premiums sn6,-
GA 1866, with profits amounting to $521,b43,
and net loss on the entire business or
81, 75S, $40.
This, ns wa said before, is the fire loss.:
Without counting in any expenses OF con-
Quoting the business. This Is not the
experience Of an abnormal year, but, as
is shown by the experience of the past
three years, is an increasing record Of
fire losses which can only be met ny an
increase Of premiums and an exercise on
the part Of property owners OF care ana
vigilance. recent examination maze
among some of the buildings 1nstalieo
with electric wires shows q reckiessness
in putting up the wires and want or
care in their supervision, which reveals
the fact that the people have not fully
awakened to the necessity of caring for
their own property. Until very recently
alleyways in rear OF some of the large
houses on Main and Broad Streets have
been piled with straw, paper, boxes, eN-
celsior and other inflammable material,
enough to burn half of the town. 1t wa
reported at the time OF the burning OF
Cordes & Mosby's store that two other
houses on Broad Street had caught tire.
AT that time there was a large quantity
Of the material above described piled in
the rear Of the buildings which We're
probably set fire by sparks.
The attention of the owners OF these
properties. having been called to these
exposures and defects, this inllatnm& Die
material has abeenaRremoved in almost
every instance, but. unless the property
holders will exercise the utmost vigilance
and care this increase in fire losses will
necessarily continue.
CITIZEN.
The times. [volume] (Richmond, Va.) 1890-1903, 1902-03-15
On and Hround
The Hotels.

The lobby Of Murphy's presented q i've
.ly spectacle last night. It remirIed one
Of the opening days of a legislative ses-5
sion. Statesmen galore were there, ana
many not statesmen We're present. Many
members of both branches of the Legs
lat,re and Of the Constitutional Conyen-,
ton dropped in simultaneously, and thcle
we're a great many local politicians at
tracted by the meeting OF the City Demo-.
5c.atic Committee. There were also
urge number of guests not politicians
i'll the lobby during the evening.
Mr.. Thomas Whitehead, of Jynchbulg,
is in the city to look after some law
business Mr.. Whitehead said the people
Of his city were apparently well pleased
with the work Of the Constitutional Con-
vcnticn so far as it had been completed,
and he expressed the belief that ii their
action on the suffrage question was salts
factory, the work would be adopted. He
PRAISED the new judiciary system as pro-
posed, and said it would evidently eS-
pcdite the business of the courts. MI.
Whitehead was among his friends at
Murphy's last night.
Colonel w. E. Peters, of the University:
CT Virginia, is in the city, and chatted
pleasantly with his friends at Murphy's
last night.
Hon. John B. Moon. OF Charlottesville,
end Hon. Joseph r. 5LaWless, of Norfolk.
were among those registered at Muir
phys last night.
Among the Virgintans registered at
New Ford's are Mrs. A. II. Burroughs
and children, Lynchburg; Mr., Frank Nc
Connell and wife, Coyington; w. G..
Parker, Norfolk; S.. r. Harding, Am
herst: j. T. Morris, Glade Springs; w.
C. Boldin, Cumberland.
Hon. Thomas z. Clarke, ex-member of
the House from Dinwiddie, was at New
Ford's last night, mingling with his old
colleagues and friends. He was in fine
spirits; said he never felt in better health
Mrs. S. s. Simmerman, Of Wythe, is
spending.a few days at New Fords with
her husband, Hon. s. S. Simrnerman,
member of the House from that county.
DR.. Charles v. Darlington. surgeon to
the penitentiary, was in the lobby of
Murphy's last night. receiving the con-
gratulations of his friends upan the pass
of the bill increasing his salary.
Virginians registered at Murphy's are
Cyrus w. Scott, Virginia: E. 3 Freeman,
Norfolk; John Shortboard. Norfolk: l..
p. Slater and S. p. COST, Portsmouth;
John B. Moon, Charlottesville: Joseph
u. Lawless, Norfolk; James NJ Goode,
Norfolk: c. E. Jones, Carysbrook: r. J..
Wood. Portsmouth,: G M. Holly and wife,
B.. c.. Wilkes, Virginia: C. L. Pullen.
Portsmouth; c. S. Hutter, Lynchburg:
| Mrs. L. D. Christian, Lynchburg; J. S.
Borden, Alexandria
The times. [volume] (Richmond, Va.) 1890-1903, 1902-03-15
NJ. A, Witty,
Cut Flowers
and Designs,
9th and Broad SITS.
Violets, Soc. Per Hundred.

at the Ivory City and enjoy the beautiei
Of the show. We are trying to attract
the teachers and students OF all OF thu
leading schools and colleges to Charles.
ton during that week. The weather will
be ideal and the Exposition will prove
a regular education to the students. Thu
admission to Exposition for teachers and
students in parties OF twenty and oTer
will be twenty-five cents
Major Wheeler has recently sent cir
cular letter out to the leading newspaper
Of the country, In which he says:
Easter has been designated as 'E,dlt
cational Week by the Charleston Expo
sition The Southern railroad companies
have arranged the lowest rate from
Washington ever issued in the South
and the Northern railroad companies
will sell reduced tickets In connection
Herewith, and the Exposition Company
expect at least $1,000 teachers and pupils
will be in Charleston at that time. Tha
citizens. generally. have agreed to open
their houses and entertain them all at
special reduced rates.
Conformation from several Northern
and Eastern States Indicate that a large
number of teachers are coming. Charles
ton weather is then at its best-trees
and flowers in full blooSa, and everything
, most attractive. Fort Sumter and other
historic points are there. 1t is a de-
lightfui trip by rail or boat from the
| Eastern States. This Is an opportunity
never before presented OF visiting tho
Sunny South at its most attractfvs
| season-early spring. Magnolia gardens.
where the aza1ea bushes are Twenty-Five
feet in height and mass OF color ann
bloom, is the only place In the unitei
States where they may be seen In sucn
profusion. The tea farms are also a
| great curiosity. Rice and cotton planta-
lions and tropical plants are in great
abundance.
..The educational exhibit OF the Pan
| American. with many additions, is there
The times. [volume] (Richmond, Va.) 1890-1903, 1902-03-15
WOULD SMASH TnF. CLUB.

II members Of the ..Hay Fever Associa-z
ton, would use DR.. Kings New Discov-
ery for Consumption. the club would go
to pieces, for it always cures this malady
= and Asthma. the kind that battles the
doctors-it wholly drives from the system
Thousands OF once hopeless sufferers from
Consumption, Pneumonia and Bronchitis
owe their lives and health to 1t. It con-
auers Grip, saves little ones from Group
and Whooping Cough and is positively
guaranteed for all Throat and Lung tror-
b1es. 80 cents and 81. Trial bottles free
at owens and Minor Drug Company.
The times. [volume] (Richmond, Va.) 1890-1903, 1902-03-15
sArURDAY MARCH Is. 1902.
i LESSON Il FROM NORFOLK.

The situation In Norfolk liz an interest
ms. and We hope VIII be an Instructive,
study. The strike has been practically
settled and the strikers have. for the most
part. returned to work; yet acts OF law
,sssness are reported every day. The SOL
d:ers are having almost as much trouble
as ever in keeping order. It is not the
strikers, az ne understand It. who are
creating this disturbance. but outsiders,
who have not. and who never had. any
connection with the street-car company.
what does this mean? What does this
GEnify7
The answer is plain enough: There is
. iawless element in every community,
and It IS always ready TO show itself and
TO commit acts OF 1awnessness when the
occasion offers. These people are. COM
Caratively speaking, harmless in time of
peace. because at such time they know
that evil conduct on their part will not
Sc tolerated But let tho spirit of law
Jeasness take hold of the community. let
the law-atdding citizens. Of community,
under stress Of excitement or indignation,
show contempt OF law, let public senti-
ment for the time being be riotous, end
! eli the law-hreakers OF the community
VIII be rallied and Will be in evidence.
Givs the lawIess element half chance
ana It viii 1rampie the law under its
f4se.
This cordition IS not confined to the city
OF Norfolk We are not speaking Of the
Norfolk community In particular. we
are simply employing existing conditions
there TO illustrate. What we have said
80 true OF all communities with which we
are acquainted. AS We sa:d at the start,
there is an element et lawlessness in
every community, and 1t IS only kept
IN subsection by public sentiment which
SIS the strength and support of the law.
The law has no power within itself. The
law is the creature OF public sentiment,
Gnd if public sentiment be withdrawn the
law falls to the ground and becomes a
dead letter. We say, therefore, that in
order to keep the law in supremacy it is
necessary that the law-abiding people Of
the community shall, under all circum-
stances obey tho law, and not only obey
st, but support it and defend it, if neces-
sary. with life. One lynching in a COM
nunity. one short season Of lawlessness
when public sentiment is relaxed, will In
pariably rally the lawless element. and
promote the spirit Of lawlessness; and it
viii be long before the evil disappears and
the normal condition Of law and order
returns.
The times. [volume] (Richmond, Va.) 1890-1903, 1902-03-15
rnE VICE oFNaGGlNs

clouds the happiness OF the home. but
a nagring woman often needs help. She
NAV. be so nervous and rundown in
health that trif1es annoy her. II she is
melancholy. excitahle. troubled with loss
of appetite. headache. sleeplessness. con-
stipation or faintins and dizzy spells, she
needs Electric Bitters. the most wonder
full remedy for ailing women. Thousands
of sufferers from, female troubles. nervous
{. oubies. backache and weak kfdnes nave
used it and become healthy and happy
Try It. Only 80 cents. Owens ana Mlnoe
The times. [volume] (Richmond, Va.) 1890-1903, 1902-03-15

whethe or not our CONTEMPORARY has de-
serted Mr. wa thers We ofrered % leave
the Hmatterfst TO Mr.. Withers himself, but
tho Dispatch declined to arbitrate.
The Dispatch complains tina Z we have
tried to put sc In an awkward anu ~
consistent POSITION That 81 s. unfair TO
The Times Our contemporary has put put
itself In q predicament and Tho Times
has simply called attention to the fact
The times. [volume] (Richmond, Va.) 1890-1903, 1902-03-15
Barber: ssAf razor was sdt1l1 Il and 1t took
ne twice as Ion lew York Weekly.

Barber: razor. was dull and 81 took
mo twice as long levy orA Weekly .sss:
Colonel -John 1Iosby, tho leader Of one
OF the most important Conf derateS Cav
airy commands during the Civil g
In Government service in Colorado.
charged with preventing the private In
closure OF public lands eWF orlsSs Esven-
ing Post.
sg9 ON, hen, ~ lille = said Uncle Ohm,
.aren.t you tired looking at the mon
keys n. g All rig reluctant replied
s the boy who was on his first visit to the
zoo. Now, let's go to- the place where
the organ-grinder cage Is. ~ hila DEL
8phia Press.
General Butler Is such an excellent cook
that he would have little difficult in OBJ
staining q chefs position ii, q hrst-class
hotel. IN his younger days, before he
reached high military rank, his brother
officers used to say that Redvers Butler
could make an appetizing dinner out OF
old saddles when rat ions were short on Q
campaign. Another distinguished soldier
B who shares with General Butler a wonder
fuI skill IN the gastronomic art is Major
General Baden-PoWell.
The times. [volume] (Richmond, Va.) 1890-1903, 1902-03-15
- =, .. = = = ~
.AETERM AiH

o. T5g -S9sE+ Z
Burglars entered the residence OF the
l,ev. Or. Madison G. Peters, Of New
orlx, the other hight and stole an over
coat and other articles. The burglar is
no respecter Of persons.
He--..eA living expenses are Ave thou
sand dollars year. What waste
of monex. Life.
1T has been widespread impression
that snuff taking had been almost aban-
@doncd in this country, or that the num-
bcrs Of men and women who still ad =
hcred to this old-tirne habit was absurd
i:y small. Yet the chief snuff comEany
OF America, in its annual report, showed
net earnings of more than 81; 600, 600. The
great persons Of the earth do not now.
exchange gifts of gold snuff boxes, stud
ded with diamonds, as they did when the
First Napoleon was the iautocrat of
Europe, but the use of tobacco in every
imaginable form Of Sc indulgence still
knows no bounds.-New York Tribune
Blessing in Disguise.-CaseyE (to Cassi-
dy, who has just lost his arm in an ac-
cidenD-Oh! my. oh! my, but orm sorry
fur ye, man.
Cassidy-Tut tut! shure Ofm in luck.
That was the arm Oh was vaccinated on.
an twas jist beginnin' to hurt me-
Philadelphia Fless.
The average number Of inmates in
l:cllcsue is equal to that OF a good sized
town-tllat is, it is from 1000 to 3, 900. and
of these a good many are unable to help
themselves even in the presence Of the
most imminent peril Under these cir
cuIrstances, Sthe buildings ought to be
triple proof against fire, but, in fact,
according to expert testimony, they are
nothing of the sort. IF a fire started
there, battalion chief said, every
thing would be gone before the Fire
Department could even reach it This
condition urgently requires administra-
tive attention. and it is only good for
tune which has hitherto protected the
city from a calamity too appalling to
think about.
The times. [volume] (Richmond, Va.) 1890-1903, 1902-03-15

Sudden Deaths on the increased People
apparently well and happy to-day, to-
morrow are stricken down. and in ninety
nine cases out Of every hundred the heart
3 the cause. The king of heart remedies.
DR.. Agnew's Cure forsthe Heart, is with
in reach Of all. 1t relieves in thirty min
utes, and cures most chronic cases. ~.
Sold by Tragic Medicine Company.
The times. [volume] (Richmond, Va.) 1890-1903, 1902-03-15
Visitors to the Convention. +

The convention hall is filled with viss-
tors every day, now that the suffrage de-
bates are; getting heated and excited.
Among the prominent visitors noted yes
terday were Colonel William e. Peters.
of the University Of Virginia, who Is a
great admirer of Senator Glass, and
wanted to hear his speech onfthe suffrage
question; ex-State Senator Thonlas VIII
sliams. Of Meckle nburg ~ rs. and Mrs.
fJofln S. Patton, Judge John NJ White,
and Mr.. George 3. NJ ichie, Of Charlottes-
The times. [volume] (Richmond, Va.) 1890-1903, 1902-03-15
Personal AND CRITICAL.


richmond took a side glance at Nor Dr.
felix and Its costly troubles and decided ltsi5
not 10 have a strike. Wise in Richmond g nd
Newport News Tinnes-Herald.
While Prince Henry and his party were
visiting Niagara Falls Admiral Evans felt
a hand sumbling under his coat for his
watch. with characteristic GOODNESS
..Fightins Bob, caught the hand. and.
turning his keen eyes on the thief, said:
saIi's on the other side, but feyou reach
for it I'll crack you over the head. ss.sS The
Admiral carried heavy cane. AS soon
as tho pickpocket saw it he tore away
from Admiral Evans and fed into the the
crowd.
Il we. are proud Of The Richmond papers
for more reasons than one. but especially
Tor their great work for the State and for
humanity In exposing Che horrible condi-
stions at the State prison and in adyocat-
ing Improvements. Just at this time no
greater service can be done the State.
stanton News.
tsilst omcr 81 w Is this 3? You have
ma twice the usual price for shay
,nE.ss
The times. [volume] (Richmond, Va.) 1890-1903, 1902-03-15
y THE DIsPATtH's pREDlcAMENT.

The Dispatch consumed column of its
editorial space yesterday in another fruit
less endeavor to explain away the awk-
ward and, to our contemporary distress
& 1ng, predicament in which it has placed
itself. There are only two paragraphs
in the article. however, which demand
any notice ut our hands, and these are to
be found in the Introduction. Wesquote:
The Richmond Times. in its complaeent
Z leader OF yesterday, says the Dispatch
& foes not deny any statement it made in
sts nnproroked attack on us in its issue
rf Tuesday. That is precisely what we
{ 40; .yhat we did in Indignant terms in
sur article to which The Times makes
sejo;ncer.
The Times charged, substantially, that
we had deserted the cause OF retrench-
,nent and economy as represented by the
leadership of Mr.. Withers, because we
did not sustain that gentleman in his
proposition to incorporate q taN-reduc-
ton provision in the Constitution. In
endeaxoring to wrigglc out OF the position
of having done us injustice and misrepre-
scented us. The Times, in its rejoinder,
conrIcts itself Of having charged US as
specified.
How pitiful. The Times charged the
Dispatch with having deserted Mr.. With
ers In the hour OF his triumph, and the
Dispatch in reply charged that The Times
+ had Intended to make the impression that
The Dispatch was opposed to an economi-
], cal government and to a reduction OF
taxation. Mind you, the Dispatch con-
1ured this out Of its own suspicious.
! There was no ground for its charge
against The Times. and 1t was so far
Z srom: our purpose to make such a charge
4 against the Dispatch that, in spite of its
provocation. we freely and unequiyocally
{ made this Eisayowal:
..Of course. We did not mean to make
the Impression that the Dispatch was OPP
pSsed to economy in government and to
reduction in taxation, IL that can be
accomplished without injury to the States
i credit or detr;mant to the public service. I
the Dispatch calls that .wriggling. !"
Mc submit that 1t is the frank honest
4 ;disarowal OF a frank, honest newspaper.
1f the Dispatch cannot distinguish be-
3 tween such a frank. honest disayowal
3 and what it calls rigging" 1t is our
csntemperary's misfortune; but it is
pitifl confession.
The thing whicis we charged specifically
4 rainst the Dispatch was that 1t cham
p,oned Mr. Withers for seven long years
N his fight for constitutional reform
4 fers reduction in the expenses o: govern.
+ snent and for feductio Ion in taxation, but
,,.a. \, an tyrs constitu tional Convention