davidaulloa/AmericanStories huggingface dataset:
The Minneapolis journal., 1904-12-31
LIFE INSURANCE
LIFE COMPANIES PROSPEROUS
Insurance Commissioner Says Year Has Been Salts
factory

Insurance Commissioner Says Year Has Been Salts
factory.
Statistics relative to life insurance business in Min
nesota in 1904 not yet available. The books of
life insurance companies not closed till the last
day of the calendar year, and it is not necessary for
them to make any report of their years business to
the insurance department Of the state for month and
a half after that. The year 1904 however, is gen
orally believed to have been very successful in
this state for life insurance business.
Says Elmer H. Dearth, state insurance commits
soner:
''I think the reports of all life insurance
panies operating in Minnesota will show material in
crease in the amount Of business written compared
with the figures of 1908. I think there will be
teral increase perhaps 25 per cent, shown in the
newa business, indicating light laPsation of poll
cies Insurance company investments in Minnesota
during 1904 have all been SAFE know Of serious
loss any of the life companies have suffered within
this state Mortalities in Minnesota during 1904 have
certainly not exceeded the mortuary tables used by
the old line companies, and this of course,
profit the companies out of the premiums received
policies
"Taking it as a whole, I think it may be safely
said that the year just ending has been emnently sat-
sfactory in financial way to Minnesota life insur-
business. -
The Minneapolis journal., 1904-12-31
Moore Bros SAWYER
No. 3li MieoIIet Avenue

wGOVV ern except heat; finished in
cherry, gum wood and birch upstairs
and down; front hall wainscoted, and
stairway Of elegant construction to
match; four fine rooms below, consist
diningroom and roomy kitchen, with
hardwood floors; seven rooms above,
light and attractive, Diningroom has
fine china closet built in and is vain
scoted with choice woods. There is
barn on the premises which, with slight
repairs, would be worth $500. Full
basement. Well-e equipped bathroom on
would cost double the money we are
asking for the premises Believe us
when we say it is a Bargain, and come
to see us Immediately for further infor-
nation.
@06f\n For an elegant little home
NG0VV near 18th avenue N and EN-
erson. Eight rooms, including good
sized front hall. Has full basement and
is modern in every way except heat.
Open plumbing, hardwood floors up
stairs and down. Very attractive for
iect to mortgage of $1,000; balance
required in cash. A fine bargain for
parties desiring an attractive home.
Must be sold within the next two or
three days. IF bought at all, must be
bought at once. Call on us Immediately
for full particulars.
dnonn For Broom house located
RGoVV on Columbus avenue near 31st
street. House all modern, including
full basement and steam heating plant.
It would make an elegant building to
be turned into two flats. Has Been
newly painted and shingled and is in
frst-class condition outside With slight
expense for redecorating cts, should
rent for from $35 to $40 per month.
We must. sell it at once. Come in for
full particulars.
Gs9ckn for 10-room house, located
$500V on the corner of 18th avenue
and 18th street. Lot 50x15O feet.
House all modern, equipped with
modern hot water heating plant. Prop
erty has cost the present owner nearly
$4,000. There is good barn on the
rear Of the lot. Would make splendid
up and downstairs flats. It must be
sold in the near future. Further infor
nation furnished upon application.
The Minneapolis journal., 1904-12-31
STATE INSURANCE
institutions Heavily Insured-Total Is 800 900.

institutions Heavily Insured-Total Is $4,90000O.
In 1904, the insurance all state institution
buildings expired and been rewritten by the state
board Of control s. w. Leavtt acting for the board
and state in this DEAL The rewriting done thru
the Minnesota and Dakota Board of Fire Underwrit-
much dickering and several trips made to
to consult with companies concerned. It was finally
decided to place total of $49o00o0 insurance all
state institutions average rate being secured by
Mr.. Leavtt from the companies of but LA per cent
for three years. Of the total insurance written in this
great block, $1,00o,0QO is the state capitol
|$5OOOO on contents) and 900 insurance pro-
tects the state university buildings.
The wisdom Of carrying heavy insurance on state
institutions is demonstrated by the fact that during
past year there has been loss to state university
buildings alone by fire of $62O00 which entire amount
has been paid by the insurance companies.
There IS old line insurance companies which
Join in risks state institution buildings.
The Minneapolis journal., 1904-12-31


The leading buildings Of all classes for
permits we're issued in 1904, are noted below:
BUSINESS STRUCTURES. .
Minneapolis Central City Market Co., 2oo-2s4 7th
= r. R4% ie2i i MafaiHSton 5aSa n
Northwestern e % National Life Insurance Co., l16i-
11o9 ,Nicolet av, 4-story brick and terra Gotta
j. aEa'feGe%m =! Rogers IS 4th St S. sstory ire:proo
j. Reees 5s59S aennepn av sory
proof brick stores 81 and IT the4ter aja; Kilt
St Rntnx @ HS cS s1
5,{sry ir'sf %F; 8isssass S
John % Leslie Paper Co., 5ol-5l5 50 ay s. 5:story
s. 0F1sA f MeKnsht aS s}sls5oesss ist av N, 3story
Park nloc Co., Lake st and sst
s, buildings in Amusement Park ...........
-. EDUCATIONAL INSTITUTIONS. :
Board Of Education, Girard av, between Lake st
Board Of Education, Franklin and 18th avs s.
additions and fuel room NEUTRALITY-SUSPICIOUS..
PUBLIC BUILDINGS.
Of S St 1S Sd AND a8 S oen in
4th st main entrance
city sSa{on IF te SSa Sar f9t9 st and
City Of Minneapolis, 9Th st. between 9Th and 7th
avs 2st0y brick RsEHcRs Esff51SS E CITY hospital
c. j.. Martin, 1900 Mount Curve av. 2-story brick
F. NV W. Clifford 4oi clifton: av STORY brick
and stone dwelling ............................
FLATS.
Agnes H. Pabst. 62S-63O Franklin av, 3-story
brick fiat building ..................
w. v. Fiheld and Henry 1ngham, 1716 Hennepin
av, and 7o9 Douglas av, 4-story brick flats.
W. v. Fifeld and Henry Ingham, 715 Douglas
av 4-story brick fats ...........-.....:.......
A. E. Norton, Alb 18th av SE, 2-story brick te-
OFFICE BUILDINGS. rs il 81.
NJ. st. P. & S. Ste. NJ. Ry Co., 315-321 I'd av 8,
ezstory brick office building
4-story brick office building ..................
GRAIN ELEVATORS.
Calumet Grain Co., oath Sc and Omaha rail-
way tracks, iron-cad grain elevator.
a>#-.s. CHURCHES
English H.,
600 w 2Sth st, stone church Observation-Disclosures.
Trinity Baptist Church Of Minneapolis, Bryant
and Lincoln S, frame church. .............
The Minneapolis journal., 1904-12-31

D0l10V0 b. UOOU IL COulluR III Mluuo0pO-
lis real estate.' ~
The Winnipeg trip made by the Min
neapolis Real Estate board is going to
| amount to something besides furnish
ing fund Of big value stories to the
agents who were taken to the Canadian
city by the ,Soo line Seculation is
going to result. Minneapolis real estate
men never realized SO clearly how low
values in Minneapolis have been and
how much below the standard for simi,
the brokers made instant decision to
take advantage of present opportuni-
ties to make some money themselves.
7 One clique. is going in on Hennepin
iIavenue,. it is reported. It will place
personal funds and money for clients in
property that shows prospect of ad-
vance. Quite a profit is expected to
shape again 80 far as the real es-
state market is concerned. Another
bunch will stake their prospects on
Washington avenue and others will take
a flyer in business and residence prop
erty in other parts Of the city.
News that tho Missouri Pacific has
headed this way has stirred up terminal
purchase rumors and now whenever any
Eagent buys more than one or two lots
in any section zrumor has it that the
Gould road is back Of the deal. W. B.
! Boardman was the first to suffer from
the stories. He was buying property
on Third street near Tenth avenue N.
The land might possibly have been
wanted for speculation, or for business
purposes, but the wise ones knew the
Missouri Pacific was back of the pur-
chases and rung in some Of the papers
on the news,
There is no mystery about the sales,
state the exact purpose of his entry on
the North Side market. Color was lent
to the railroad story thru the fact that
the Omaha road had made similar
purchase between. Washington and the
river for storage yards. But for that
| very same reason property on the other
side has become very profitable for the
use Of manufacturing establishments
4 which want short haul to the team
tracks.
The Mcknight corner is the black
is Mr.. Mcknight going to builds This
is favorite question among members
of the fraternity. Altho the Mcknight
company holds several corners nearly
las valuable as the First avenue and Fifth
street property, it is the latter which
interests the public on account Of its
prominence and it's value for business
bank or office purposes.
Tentative plans were drawn for Sc
curity bank building on the Nc
knight corner. The story seemed
Hgood'' for long time, because Mr.
Mcknight was director in the Sc
curity, Trouble over the Andrus STRIP
back of the Mcknight property made
the plan not feasible. Rumor had il
that the Boutells would occupy build
ing on that corner and preparation was
made to get materials, it is reported, but
the Boutells have closed with the Hale
Homestead company.
Mr.. Mcknight says: :" I believe the
time is about ripe for improving sew
eral Of my corners and am only await
ing the demands Of proper tenants be
fore going ahead.
The roof prospect, in Minneapoli
unpleasing. It develops, too, the char
acter Of handling which. the variou
business properties are getting. On
Of the cleanest views is from the Lum
Der Exchange looking toward Sixt!
lizard table. Not a bit Of litter is seat
The Minneapolis journal., 1904-12-31

big cost totals in houses finished built entirely this
year. In business way Hennepin avenue has led The
new buildings and those under way have been lately
enumerated by Th e. al, showing total Of
something like 81 100000. The most expensive single
building on the will cost $4,000. It under
way above the Holmes hotel and is owned by F. D.
Mcmillan.
No more interesting real estate reading can be
furnished than building summaries for the years as
fOOws
The Minneapolis journal., 1904-12-31
PERTINENT QUERY.

Applicant understand yez air af-s
ther wantin nurse gur-rul, nam.
Lady-Yes. [ want a good girl ca
pable Of looking after the twins.
Applicants-Twins, is its An air
th' both iv thin your N, mam7
The Minneapolis journal., 1904-12-31
tered . over the roofs and the clean
gravel gives the appearance of we'll

gravel gives the appearance Of we'll
Fire ordinances and the good sense
of owners or agents produce this effect.
In case Of fire the fremen find no loose
wires, scattered brick, old mattresses or
lives or to catch sparks from adjoining
buildings. Strange to say this care OF
building tops seems to 20 by neighbor-
hoods. One view from the Guaranty
building shows, an epidemic OF the
other sort. Useless stuff appears to
Of. the garbage wagon. Brick which
fell from chimneys in last summer 9
storm, discarded wire bridges, tangled
ends of electric or telephone cables,
glass is scattered indiscriminately MAX
ing regular billy goat heaven.
fact that altho violation of city ordi-
nances in this respect goes unpunished,
some property owners have taken
the roof-top inspection method Of find
ing out what their representatives, are
doing, or whether changes Of admins
tration would be advisable.
Jury to fix blame in the Crocker hotel
SsastaF On t5s s fSSR; sTs Rs lily
this week:
"The justice of this conclusion will
hi eard a Si not GRe dyTent iy
the same good-natured tolerant posi-
tion toward these, sevasions, and when
an accident occurs, they resemble those
unfortunates of the didn't know. it
was loaded class. Tt would seem that
year yea usRc sBo"ld be sufficient to induce "a
stricter enforcement Of the building
ordinances, which are none too rigid at
best, and should furnish a negative an
iswer to all petitions for roundabout
manner Of accomplishing what is di'
| rectly forbidden
The Yale Realty company reports
the sale this week for Lima Yale Ford
| Of the four lots at Vine place and Grant
street for $4,000 to the Baltimore In:
vestment company. This property has
been on the market at the above price
for some two months, and its sale to
dicate how much more faith othes have
in Minneapolis real estate than Mime
apolitans have. The purchasers are ex.
pected to improve this ground in the
near future. -
In the sale Of the three.story fiat
building at Eleventh street and Mary
place yesterday for $4,000 the last
asset Of the Home Savings and Loan
association was disposed Of. This as.
sociation at one time had $1,250,0OO
assets and such men az j. G. Haynes
E. G. Babb and j: J. Ankeny were di
rectors. It went into voluntary liquid
alton about five years ago, and the af
fairs have been under the management
Of A. A. Allen. -.@
The sale was made by n. F. .Newhall
for the Finance company Of Minnesota
Anna B. Lewis of Philadelphia is the
Eleventh street by 110 on Mary place
J. J. Heinrich announces that If {
projected plan goes thru syndicate Of
capitalists will build a 100000 brew
ing plant on the North Side. The com
pany will have a working capital Of
$150,O00. = ...m.~ -..s<..
The Minneapolis journal., 1904-12-31
OMISSIONS OF HISTORY.

-
Socrates had unloaded another thought
on Plato. s@ e:as r.
"Of course" he said. II expect you to
lick it into shape for publication. BY the
way. Plate, do you know you remind me
ever so much of Boswel1?"
''Boswell7'' echoed Plato. Boswell!
Oh, yes; he's the fellow that gave the
British public little too much Johnson. -
The colloquy escaped the newspapers
Of that day, but the phrase persisted.
Hercules lay on his, couch in helpless
misery.
IT ought to have had more sense he
groaned, than to attempt q thirteenth
task! might have known it would bring
me bad luck!'
He had tried to eat thirty quail in
thirty days.
The Minneapolis journal., 1904-12-31
C, w. WELLS,
sos PHOENIX.

$3OOO-Fine 7-room, strictly modern
house on Pleasant av; new and well
built.
$2,800-Large S-room house and barn,
large lot, 4th av, near 24th st:
$2,25O-9-room house and barn, Haw-
thorn av, near Lyndale av 3; bar
gain. -: .....,
Ss5o-Bargain; storeroom and dwell
ing and paying II per cent net; 18th
av S. a'r' ,......
S2,ooO-49x128, Stevens av and 25th st.
$1,5OO-9 -9ox11s, Oakland av and 3lst ST.
S5OO-5Ox12S, Stevens av and goth st.
i. SAhQArsaagxEaa26a 1st .aXsS-.~
The Minneapolis journal., 1904-12-31
FURTHER EXPLANATION NEEDED,

Possible PurChaser-What IS the tltIe OF
this painting?
Artist-That is "a Ship in Storm" !"
Possible Purchaser-It's wonderfully ef-
fective and striking Would-h-m-would
you mind telling me which Is the ship and
which is the storm?
The Minneapolis journal., 1904-12-31
BIG PAYMENTS ARE MADE
ON MINNEAPOLIS FIRES
Continued from Page Fourteen.

when Insurance is carried of per
or value or more In this insurance pays the
tire loss not exceeding the amount Of policy Exam.
pie, =...s.. ,'-
The Minneapolis journal., 1904-12-31
LOWRY SAYS He
EXPECTS A BOOM
SUCCINOT STATEMENT AS TO MIN.
. NEAPOI.IS REAL ESTATE.
Local Dealers Got Some Ideas at Winni-
peg Which They Hope to Realize on
Gould Lime Rumors Bull Prices
Other News of the Real Estate Field.

. Thomas Lowry said yesterday: IT
believe boom is coming in Minneapo-
lis real estate.' = -,
The Minneapolis journal., 1904-12-31

ys%s ,e SsS 1nsgsnee Loss Insurance
|'5$$$$ |'$$s$ ;s$S$ sS$ ss$$ ;s$$$ s;s$s$$ ;s$$ $$$
''It has effect whatever when the loss equals
or exceeds 80 per cent of value, matter what the
Insurance is In this case also, insurance pays entire
loss not exceeding amount of policy. Example:
sSe6 Ss sSsS $500 $500 ;ooS pays
''When both insurance and loss fall below 80 per
cent of the value, the assured becomes co-nsurer
(that IS, stands as an insurance company to the
amount OF the difference between 80 of the
value and the actual insurance in force at the time
OF fire. Example:
slo.SsS Na.9s 1"s9ys%'s s7!5SS s5sss ISs'
''Eighty per cent value is $s,ooo-insurance be-,
ing $1,000 less than this sum, is coinsurer to
that amount and contributes to the loss in that pro-
portion Insurance ($7,0Oo) pays seveneighths of
Owner Contributes one.erhth cox
Amount of loss NEUTRALITY-SUSPICIOUS.. So, 900
'<The great principle underlying consurance is
the equalization of rates, that every pays pre-
MUM in proportion to the indemnity realized in
of loss.
||The inequality injustice Of the old system
Of insurance is shown by the following example on two
buildings adjoining each other, of value and dam
aged the same amount each.
Without co-1nsurance
3ulldlng. Insurance. Premium.
Value $4,000 Co. A. $40
Fire occurs loss-$2,O0O.
Co. A receives pay
With 80 Per Cent Co-Insurarce
5ulldng Insurance. Premium.
value 10000 Co A $4,000 $4,000
Co. G
Total. $500 $4,000
Loss Of $4,000.
rsssiyss s5SSs $3.50 pays::: payss 200 200
co. receives .........$ $4,000 pays. 900
Total $4,000
In this case Company incurs four times the
liability the first building that it does on the sec
ond, and only receives the Same premium both,
which certainly is inequitable. -
The Minneapolis journal., 1904-12-31

" In this Company incurs four times the
liability on the first building that it does the sec
ond, and only receives the premium on BOTH
which certainly is inequtable.' -
The Minneapolis journal., 1904-12-31
Dwellings Erected During
Last Quarter 1904. ,''-~
Dwellings Erected, 1904.

Principal Buildings of 1904.
leading buildings Of all classes for which
permits were issued in 1904 noted below:
The Minneapolis journal., 1904-12-31

The roof prospect in Minneapolis.
from some of the high buildings is not
esasPgb ssf 81 gbanag asye7ePs Which tof e hs eaf qha
Of the cleanest views is from the Lum-
Der Exchange looking toward Sixth
street. The tops are as clean as bill
lard table. Not bit Of litter is scat
The Minneapolis journal., 1904-12-31

projected plan goes thru syndicate Of
capitalists will build 100000 brew
ing plant on the North Side. The COM
pany will have working capital of
al 50 00O s.
The commonwealth., 1904-01-09
hi.ii-CIass hIaRs.

do not think 1t would be possibli
to get as good an egg yield as repor
without the best of care in feeding
My poultry have been fed three time:
day, just as carefully and thorough,
as work horses or fattening stock
Another thing which will add largely
to the profit Is to market all surplu
poultry as early as possible. A duck
ten weeks old will cost less than halt
what one will four months old, and
will bring just as much money Early
chicks no larger than quail will often
bring more money than those that
are kept twice as long During nearly
the entire four months in which my
eggs were sold as reported, the huck.
sters were paying but seven cents per
dozen in cash, and the grocers eight
cents in trade; but by contracting
my eggs to large boarding house,
warranting every egg to be fresh, and
seeing that 1t was SO, received al
ways two cents Or more above the
market price. When no nest eggs nre
left in the nests, and one person gath
ers the eggs every day, keeps them
in a cool place, and markets regularly
on a given day each week, it is per.
fectly safe to warrant the eggs, for
they can not be otherwise than per.
fectly fresh and good.-Souther
Farmer.
The commonwealth., 1904-01-09
COREAN OFFICIALS.
spised-BlackmaiIa and Brib-
cry in OMcialdom.

In view Of the negotiations now being
carried on between Russia and Japan,
the picture which we give here of Corean
government officials is specially inter-
esting, At least 20 per cent of the
whole population of Corea belongs to
the official class, for every one wants to
live life of ease at the expense of his
fellow countrymen, says Golden Penny
A Corean government official does not
think so much of the honor of serving
his country as of the opportunities he
has for effecting ''squeezes,' that is to
say, the levying of blackmaiI, the re-
ceiving of bribes from persons having
business with his superior, the right to
travel everywhere at the public expense
and other 'pickings." The government
appointments are open to competition,
so every one ought to have an equal
chance. The successful candidates
however. are usually those who pay the
best, or have the most interest. There
are eight governors of provinces liz
Coreo, and 1872 projects. and each Off
ciai has. according to his rank or wealth
a body OF secretaries, seal bearers, tar
gatherers, soldiers, police and otta
The commonwealth., 1904-01-09

THE TURPENTINE INDUSTRY.
Operators In the South Are Adopt.
ing the New Method of Ex-
tracing Turpentine.

The discovery of new way of ex
tracing turpentine, made two years
ago by DR.. Charles H. Herty, working
under the direction of the bureau of
forestry, is resulting in a complete
change of methods by turpentine op.
orators all over the south.
In bulletin published last spring
by the bureau of forestry the claim
was made that the experiments with
the new cup and gutter system of
turpentining had resulted in an in
crease over the old boxing system of
23 per cent. in the amount of the
product extracted. This figure has
now been raised to more than sc per
cent. In other words, DR.. Herty's sys.
TEN, when universally adopted in the
south, as 1t is bound to be sooner or
later, will have raised the ttlrpentine
production of this country Dy more
than third, provided the same num-
ber of trees are used. Two years ago,
when DR.. Herty first made known his
discoveries, he put 10000 cups into
operation. Last year this figure was
increased to about 100000. This year
a conservative estimate places the
number of cups to be used at 5000. 900.
The figures give some indication of
the rapidity with which turpentine
operators are adopting the new sys-
TEN. The change of methods has been
SO rapid that the pottery company
which undertook to supply operators
with earthen cups has been unable to
keep up With its orders and has been
obliged to refuse contracts for over
two million cups. II is safe to say
that the majority of the large turpen-
tine operators in this country have
given up the boxing system and will
extract their turpentine by means of
cups and cutters.
The economic saving Of this new |
discovery is enormous. II not only |
causes a great increase in the amount |
Of turpentine produced, but 1t is a |
most important factor in saving the |
)ine forests OF the south. Every one
lnows that trees from which turpen-
ine has been extracted by the old
nethod-"boxed" timber it is called !
oon die from the wounds inflicted on
hem. The cup and gutter system,
IN the other hand, is not fatal to the
life of the tree, and does very little
amage to the timber.
The bureau of forestry has arranged
o give the personal assistance of DR..
Ierty to turpentine operators who de-
ire to install the new system.-U. 8.
bureau Of Forestry Bulletin.
The commonwealth., 1904-01-09

There are bee keepers and bee ketp
ers, bee fanciers, and bee cranlts
practical bee keepers and imitation
bee keepers. The latter class are
those who have heard of some enc
making big money out of bees, or
those who have neighbor that has Sc.
cured good crop of honey and sold
it at fair price, and they imagine he
is getting rich fast, so they want some
of it, too. They imagine that all that
is necessary is to procure a few colo
MES of bees and set them under the
shade of an old aple tree and after
that hive the swarms and take the
honey in the autumn. They think that
bees gather honey from the time the
first flowers bloom in the spring un-
til frost has killed all vegetation In
the late autumn. Should any slch
bee keeper read this article | would
advise him to do one of two things,
either sell his bees to some one who
understands caring for them or else
make thorough study Of the business
and make practical bee keeper of
himself And might add right here
that he must not expect to do this In
six months or even within one yeal.--
Progressive Bee Keeper.