davidaulloa/AmericanStories huggingface dataset:
The news & observer. [volume] (Raleigh, N.C.) 1894-current, 1904-11-18
Occasional Artillery Exchanges.

Mukden, Nov. Let has been gem
orally quiet along the Russian line to-
day, varied by occasional artillery ex-
changes. There have been skirmishes
for some days past. achievements
continue to arrive and one whole regi-
ment was received in a single day
There is reason to believe that i'm
DortaEt developments will transpire
shortly and that possibly there will be
heavy fighting.
The weather is clear and intensely
Geld at night.
The news & observer. [volume] (Raleigh, N.C.) 1894-current, 1904-11-18
DAY
Governor Aycock Issues
His Formal Annual
Proclamation.

Governor Aycock yesterday issued
his annual Thanksgiving procianla-
ton calling upon the people or the
State to assemble on Thursday NO
vember oath, at their respective places
of worship to publicly recognize the
guiding hand of God in such blessings
of peace, health and prosperity as
have been permitted them during the
year.
The nrocIa ma tion is as follows:
The news & observer. [volume] (Raleigh, N.C.) 1894-current, 1904-11-18

Tomorrow evening at St. Mary's
Prof Collier Cobb, of the University
of North Carolina, will deliver an il
Illustrated lecture on THE Sand Reefs
of the Carolina Coast" The lecture
will begn at 5 O'Clock.
The news & observer. [volume] (Raleigh, N.C.) 1894-current, 1904-11-18

charter order of the j. O. L. A..
NJ. has been instituted at Garner with
a charter membership of twenty-siX
members. Mr.. John +. BridgerS has
been agitating an interest in such for
some time and as a result of his efforts
the organization is perfected.
The news & observer. [volume] (Raleigh, N.C.) 1894-current, 1904-11-18

Ir A. l.. Pearsall. formerly of this
city, but of late years a resident OF
Pinehurst. is here for q few days. He
has accepted position in Richmond,
Va, and is en- route to place.
The news & observer. [volume] (Raleigh, N.C.) 1894-current, 1904-11-18
TO DEVELOP OUR MINES.
\ Large Mining and Engineerin~ Firm
is Formed.
Especial to News and Observer

TSTCCTIT NtW5 M
Charlotte, \. c.. Nov. 1.-THE for
nation of a larme mining and engi-
neering firm winch will have for its
object the DEVELOPMENT Of the mines
of this State and South Carolina was
contaminated here to-day. The firm
name is Morgan Beddoes & Co.. and
il is given out that ample capital IL
hack of the venture. Handsome Of
fees have been fitted up and the firm
will operate on quite an extensive
scale.
The news & observer. [volume] (Raleigh, N.C.) 1894-current, 1904-11-18
Stomach Sufferers

Are quickly and permanently cured by brakes
Palmetto Wine. No distress or Flatulency after
third day. One bottle cures Trial bottle free
to readers OF this paper who send address to
Drake Formula Comnany. Chicago.
The news & observer. [volume] (Raleigh, N.C.) 1894-current, 1904-11-18
All Foreigners Well.

Chefoo, Nov. 16.-6:45 p. MA
private letter received this afternoon
from Port Arthur requests the Asso-
ciated Press to publish a statement
received any wounds during the fight
ing.
The news & observer. [volume] (Raleigh, N.C.) 1894-current, 1904-11-18

Mr.. John T. Pullen and Mr.. w. A.
Cooper organized Il band of friends
Of the fatherless." at Caraleigh last
evening. Tho object of these bands is
an organized effort to get systematic
contributions for the orphanage work.
The news & observer. [volume] (Raleigh, N.C.) 1894-current, 1904-11-18
l.. III. HARPER.
j. II. WALTON.

a suburb by any other name would
be just as difficult to reach.
The news & observer. [volume] (Raleigh, N.C.) 1894-current, 1904-11-18

r. S. ROWLAND. President.
S. L. DILL. superintendent.
r. p. FOSTER. General EaESSSS.
The news & observer. [volume] (Raleigh, N.C.) 1894-current, 1904-11-18

DURNETTsS EXTRACT or VANILLA.
IS the best, perfectly pure, highly con-
ccntrated.
The news & observer. [volume] (Raleigh, N.C.) 1894-current, 1904-11-18
Dissolution Notice.

The firm of Harper & Walden, do
inc business in the town of Garner
y. c., aas manufacturers of carts,
wagons buggies, etc, and black-sith-
ing. is hereby dissolved by mutual
consent.
Mr.. L. II. Harper will pay all debts
Of the firm and collect all bills due
them.
L. II. HARPER.
The news & observer. [volume] (Raleigh, N.C.) 1894-current, 1904-11-18
THANKSGIVING Proclamation.

he proclamation is as follows:
November 18th, 1904.
The news & observer. [volume] (Raleigh, N.C.) 1894-current, 1904-11-18

~ 4 WV Nh . I~HN~W ONAI~&N
Marlborough House BuiIding.
III. n. MORRISON. G. p. and Il. A..
Phones III. Raleigh, N. O.
G. III. GATTIS. II. p. a.
Raleigh, n. O.
JAMES NJ. BARR,
President and General Manager,
Portsmouth. Via
The news & observer. [volume] (Raleigh, N.C.) 1894-current, 1904-11-18

1f-18-1 aa-4w
The news & observer. [volume] (Raleigh, N.C.) 1894-current, 1904-11-18
CARTHAGE RAILROAD.
Time Table.

In Effect January 80. 1904.
Nm IN
The news & observer. [volume] (Raleigh, N.C.) 1894-current, 1904-11-18

{. Il. GATTIS. T. T. A.,
Raleigh. n G.
The Minneapolis journal., 1904-12-31
BIG PAYMENTS ARE lHADE
- ON WZVVEAPOZLS FIRES
In R,ul Districts the Losses We're Not So Heagy-An Er
PLANTATION of the Increase I'M Rates-$4 900 hrs:>
ance Placed State Austituhons-Life Companies
Make PROFIT = ":.... s**~%* III

r INSURANCE companies operating in Minnesota are
i closing their books for the year 1904 pre-
paratory submitting their reports to the state nsur
ance department.
The reports of the life companies will show that
the grim reaper has been enent to Minnesotans dur
ing the year; that he has not harvested the number
of lives estimated by the mortuary tables of the old
line life companies. Life company investments have
proved satisfactory ASS result, 1904 in the Min
nesota field has proved good season for the life com
panes from financial point Of view.
If Minneapolis could be eliminated from the state
reports fire companies might also assert that they
made money during 1904 in the North Star state. In
the rural districts premiums have considerably exceed
ed losses which the companies have had to contend
with. In st. Paul, net profits to fire companies
from 100000 to 100000. But in Minneapolis, fire
caused nearly damage during the last month
of year. and loss all receipts to the fire in
surance companies of over 100000.
In the year fire insurance rates have been in
creased in the congested district Of St. Paul Is per
cent; in the congesed district of Minneapolis, 12 per
cent; in the congested district of Duluth 20 per cent
In 1904 in minnesota, 143 towns have been rated
and mapped for insurance purposes, making in all 500
towns in Minnesota now duly rated by the Minnesota
and Dakota Insurance Board Of Underwriters
The Minneapolis journal., 1904-12-31
IN ST. PAUL
Good Eauipment Pays.

J =.
rhe most Important thing in insurance circles in
St. Paul in the year the increase of Is per cent in
rates in what is known the stcongested district
This territory lies between Market street on the west
to Broadway the east and between Eighth street
and river. Of the total IS per cent increase st.
Paul gets 5per cent becauseof an inadequate fire de-
partment. The department. present consists of but
fourteen companies, to twenty companies in ex.
istence: in the sister city,, Minneapolis. st. Paul
has recently ordered < three new fire engines
and other additions = to it's fire department,
which insurance believe will result in
dueton per cent In the Is per cent increase which
went into effect last October Of the remaining 10
per cent increase to be- accounted for cent is ap
plieable to all bndings andntents (excePt churches
dwellings and schoolhousesy than two stories in
height having unprotected vertical openings in the
floors, The remaining per cent of the increase is
for the class of buildings having and side
wall window door openings (not street frontage)
not protected by fire shutters and DOORS. r.:
On first thought, it would seem that this l5 per
cent increase in district where the insured property
amount to more than $4,000 to $4,000 This is because
many Of the policies property within the congested
district do not expire until the year-some: not
till several years later. Also many Of the property
owners equipping their buildings with iron shut
ers to windows doors and vertical openings and thus
escaping all increase pF the per cent for made
squate fire Department., a 2-lz,& = :-E .
The Minneapolis journal., 1904-12-31
IN MINNEAPOLIS
A New Operating Plan.

The closing Of the year 1904 in Minneapolis is
seeing an important in the consolidation of five
of the largest insurance agencies in the citya consol
ddatiOn the details Of which have been under for
some time, but which is yet finally perfected. The
insurance agency merger includes Thorpe Bros. & Arm
atage, the Minneapolis Trust company, A. L. Belknap
Alexander Campbell and E. M. Christian, formerly
Christian & Wagner. The merger will have headquar
ters in the New York Life building offices of Alexan
der Campbell. The combination is to be called The
Minneapolis Insurance Agency, and will begin bust
Jan. l. Officers for the first five years will be-
President, A. Campbell; vice presidents, A. L. Bel
KNAPP J. P. Thomson secretary E. NJ Christian; treas
atage says:
''Our corporation will enable to write policies
for larger amounts in all lines of business, as all the
companies represented large free writer's. The
The Minneapolis journal., 1904-12-31
E REVIEW OF 1904 IN THE INSURANCE BUSINESS

Life, Level Premum-Bankers Reserve Life, 0Ha- %
ha; Columbian National Life Boston, Interstate Lne'
Stock Casualty Companies-Federal Union suretyp
oi Assesssment Gasualty-Union Accident and BENEFIT
Association Oshkosh Wis. .
Ancient Order United tied Worhmen Mead
VILE PA; Beavers Fund Fraternity Stoughton
Wis Daughters Of Columbia Chicago; Grand Fraternity
Highland Nobles Des Moines, Iowa. West
ern Masons' Mutual Life; Los Angeles; Woodmens Mod
Protective Association, st. Louis! f#s1% I
Minnesota Companies Retired.
Fire-Mllers' and Manufacturers, Minneapolis. .
Assessment Life-American Annuity company. St I
Paul; National Annuity company ST. Paul. State Mutual
Life Endowment, Minneapolis. t.--s
Assessment Accident Companies-EIarrison Mutual
Burial Association, Minneapolis; National Burial and
Monument, Association, Minneapolis:
Fraternal Orders-Pioneers' Life Association Luz
verne Urania Independent Temperance Order, Eveleth
:" t- Companies Withdrawn in 1904 =, {
Fre-Fremens Baltimore; arsenweh, New York York:
Scottish National Chicago; Sea and Lake Chicago. =.
St he BanSars, Avi Mnai Casualty Des
Mones; Union Casualty and Surety, st. LOUIS Union
Surety and Guaranty, Philadelphia. .5 - -.E
Fraternal-Ho1ne Annuity Association, ST. Louis.
The Minneapolis journal., 1904-12-31
>CO-INsURANCE
This Form of Policy Becoming More Popular

, This Form of Policy Becoming More Popular.
A notable feature Of the fire insurance business of
1904 is the great increase in the amount Of coinsur
ance policies written. Coinsurance is becoming
popular the more it is understood, but being
paratvely form Of policy, there many who do
not understand its features Coinsurance is generally
written 80 per cent basis, and for the sake of
explaining it, the Minnesota and Dakota Underwrit-
ers' association has just issued explanatory cir
cuar which takes up the subject. The 80 per cent
insurance clause is follows:
1t is part the consideration for this policy
upon which the of premium is fixed that
shall maintain insurance the
described by this policy to the extent Of least eighty
(20) per cent of the cash thereof that
failing to do the assured shall become coinsurer to
extent Of such deficit and that extent shall bear
his her or their proportion of any loss and it is express
y agreed that in there shall be than item
division in the form of this policy, this clause shall
ply to each and every item.
The circular says: "It has no effect whatever
Continued Page Fifteen.
The Minneapolis journal., 1904-12-31
il IN RURAL DISTRICTS


Fire Companies Had Smaller Losses Than in the Cities
This will at least be year Of average profit for
fire insurance companies thruout the state of Mnneso
ia, exclusive Of the large cities There have been
greatly disastrous fires in the rural districts to eat
to any extent into the profits
The Minnesota and Dakota board of underwriters
reports that in 1904 they have rated 145 towns within
the limits of this state making in all 500 Minnesota
towns rated. Including the two Dakotas with
Minnesota the board reports there rated and
duly mapped for insurance purposes, total Of 900
towns : !
The board also reports that in number Of the
smaller Minnesota towns effective volunteer fire pro-
lection departments have been organized, and nsur
ancet rates in these respective communities have
cordingy been cut to the general satisfaction Of the
insured.
The Minneapolis journal., 1904-12-31
ri The fire loss per month and the insurance
volved, is shown by the following table:
al loss for the year, $1,466,372.

Total loss for the year, $1,466,372.
go The total fire insurance premium collected in
Minneapolis in 1904 299 1t costs 40 per cent
of this TO SECURE and handle the business thus leaving
bpt ;6o Rer cent wthswhich to- meet fire losses, or
81, 1866 372s it easY demonstrated that fire insur
ance :are giving I'd ther patrons the differ
ence, 1914 7926o, result Of their 1904 business
in Minneapolis. ~~7--"~.'~~--'...
Minneapolis merchants have been somewhat in
cned complain of the increase in insurance rates
made during the past year, but in view of the disas
trous year for fire nsrance companies 1904 has been
it will probably be time before any further
cessions granted the insured.
The Minneapolis journal., 1904-12-31
INSURANCE BUREAU SHOWING
States Collections from Companies Unusually Large
=. =, in 1904. ... . =


The statistics of the state: insurance bureau
all compiled according to the fiscal and the calen
dar year, for this reason they not available
for the 1904. It is Known, that the
cepts of the Department. taxes fees, etc. which the
department has turned into the state treasury total
$304,000 This is the largest amount ever collected
by the department for the state in any year. The
total receipts for 1908 $780, 021 for 1902 $247
O34; for 1901, 1927 ,0lS: . :; :<:.5:* y .
This means that for the past two terms of the in
cumbency Of Elmer H. Dearth as insurance commits
soner the receipts Of the department. have reached
million do1lars-or to- be exact ST 058, ,07S.
These receipts however, do not include the
tive fees of the Office which 60 into the private bank
account of the insurance comnisson, of which there
is record in the report of the Department. but which
understood to amount to small fortune for the
past two terms. = @"' =. - '''' =
in state Insurance.: bureau nevv
companies organized in Minnesota during 1904 to be
as follows: $3.50 - %,''%'
Mutual Fire-Mutua1 Fire Insurance eonpany New
Assessment 1lfe-Norh Star Mutual Life Tracy: Peo-
United Commercial Travellers Death Benefit Fund St.
Paul.
Assessment Casualty Companies-Twin City Life and
Casualty company, Minneapolis.
Companies Admitted in 1904
Stock Fire Companies-Atlanta- Birmingham Bir-
nfngham, Ala. Camden Fire Camden, N. j.: Farmers
and Merchants Lincoln, Neb.; German Fire. Indanapo
lis; Jefferson Fire, Philadelphia National Fire Allegheny
Pa Security Fire, Baltimore Star Fire. Louisve Stuy
vesant Fire, New York City.
Mutual Fire Companies-Merohants State Mutual
Fire. Fargo; Mutual Cash Guaranty Fire, Sioux Falls.
The Minneapolis journal., 1904-12-31

Carefully prepared statistics necessarily based
in part estmates) tend to show that fire insurance
companies will Of st. Paul this year with
profit of $2196OO86. Premium collections for 1904 in
St. Paul. total $S4Ooo0 Forty per sof these col
business thus leaving 1904 800 above expenses The
fire losses for eyear 1894 4o914 Thus is left
net profit for the companies Of $219 60086 The losses
in ST. Paul each month with the total insurance
loss for each month"; shown in the following table:
The Minneapolis journal., 1904-12-31
'otal losses, s2S4,4O9.14.as ~.

There are now in St. Paul 67 fire insurance agen-
ces-an increase of five during the year.. There.
practically however, but the number of fire in
companies represented in the city during
the previous year. Insurance writings for the year in
St. Paul will not exceed in amount those of 1908 Mer
did during 1903 AT present considerable insurance
has been cancelled account of reduction in stocks
thru the holiday trade and the fact that spring goods
have not yet been received :. 80 49,
The Minneapolis journal., 1904-12-31

Continued on Page Fifteen.
The Minneapolis journal., 1904-12-31

water loss where the loss reaches something
over $500 OO0 Much of this loss is still in Of
adjustment, few days later came the Holy Rosary
church fire, withsa loss Of 100000. These great
agrations with number Of minor ones, brought the
loss for the month to the aforementioned total of
$930,o00 One of the surprises which has developed
in the adjusting of the loss to the Powers company,
is that adjusters have found much damage
than first imagined, that insurance Of $808S0 has
henr raO1 - >,.~. . , a.. =
The Minneapolis journal., 1904-12-31

business will be managed by representative from
each agency who is named in the list of officers. We
expect great saving will be effected under the ar
rangement: - .xs,.r. z,,1:>
The consolidation represents the following twenty "
large companies: London, Liverpool & GLOBE
New York Underwriters Springfield, Detroit Hartford
North American, Atlas, Philadelphia Underwriters,
Phoenix Of Hartford, Commercial Union, Phenix1ofz
Brooklyn, Pennsylvania, Citizens, North British, Ma
tonal of Hartford, National Of Ireland, Queen, Scot
tsh Union & National, Norwich Union, Aachen &
Munich, Caledonian, Firemen's IS Fund, Law, Union &
Grown, State Of England, Union Of England, German
American, and Royal. The consolidation has been ap
proved by the Chicago managers, after careful
ination. The Of each agency in the combination
will be retained, altho the business will be done thru
q central office. An inspector will be employed The
firm of Christian & Wagner becomes dissolved F. e.
Wagner taking the non-union companies.
=. The Rates Revised.
Minneapolis, like st. Paul. got an increase in it's
eongesed DISTRICT taking effect last October but be-
vas but 10 per Cent Five Of this is for all buiidngs
and contents (except churches, dwellings and school
houses) than two stories in height having. un
protected vertical openings in floors; and the other
per cent for the class Of structures having
side wall windows door openings unprotected
with iron shutters and DOORS The congesed district
within which the increase applies is bounded by Sew
enth street and the Mississippi river including both
sides of Ncolet to Eighth street; Fourth ay
N, including Block 8, Map ITO; Third avenue 8
to Washington avenue, then Fourth avenue S. AS is
true increase St. Paul. 50 it is Ndinneapo-
lis that it will make little difference in the Of
premiums colected THIS year because OF many placing
iron shutters and doors within their buildings, and
particularly because of policies which hold and
do not expire this year.
Large Losses Paid.
Fire insurance companies will go out Of Mime
apos for the year 1904 with net loss Of half
million dollars. All looked we'll for the companies till
the last month"; December, when fire destroyed nearly
million dollars worth of property The losses for
December, to be exact total $93o,ooo The first big
fire of the month the old Wyman Partridge build
ing, where the loss reached $4,000. Then the
great Boute, Peck, Bntlif buildings fire and Powers
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1904-12-06
Ire You Doing ALL You Gan FOI
Your Boy?

Haven't you been thinking for some time
rOu ought o. get something for your boy lie
ioa't look well nor sleep well nor eat right
Re often complains o. feeling tired and ont e.
i1gts las face Is flushed aud SKIN hot. Some
gmes he is sick a. the stomach, wants % yomlt
las headache and often is feyerlsh. Perhaps
gOu feel that Way yourself. IL YOU do. YOU
nave dyspepsia and catarTh Of the stomach.
This may be your boys case. Don't neglect
your boy any longer. DON LEI him suffer aud
ErOw thin and lose his bright, bOyish ways,
and night now take care Of your own health.
Let father and son as well as mother and the
girls use Smith s Triple Cure atOnce. This great
remedy makes Tich red blood drives out ratarIh.
cures dyspepsia and gives life and energy 10
tired nerves. Smiths Triple Cure viii bring
you around all right You don't need
10 employ q doctor, for Smiths Triple Cure
TiIl do all that q doctor can do, and more. 10
strikes right the nrst time. 10 goes right 10
work making pure, rich blood and tOniuR up
the nerves. stomach aud digestive organs.
Smiths Triple Cure is q positive cure for all
forms OF catarrh, dyspepsia and blood troubles.
Every package contains four separate prepa-
rations, q grand new system, price only 80
cents fuil two weeks treatment, the greatest
value for the money ever offered u your
druggist WON'T supply yOn, send AS - two
cent STAMPS and We will promptly send % post
paid and guarantee safe delivery. Address
W. F. Smith Co., l25 Summer Street, Boston,
Mass.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1904-12-06
=OOTBKLI BOWLING RACING So ATHLETICS BOXING
SnOw Did Not Interfere
With Arn1y-Napy Teams
Practice for SATURDAYS Contest Was Held In
doors-Riding Academy at Fort
Myer Used.

Although applications for reserved and
box seats have been coming I'm for sew
eTal days from officers and friends. it
was net until this morning that the sale
opened. Many seats were sold at once.
and the management Is sanguine that
the whole affair viii be a big sporting.
as well as "a financial success. Lieu
tenant Evans, who has charge Of the
Navy end of the game, has been ordered
TO Norfolk tomorrow, but he IS making
the most OF his time In getting every
thing in good condition before he leaves.
Two Bands Promised.
Two regimental bands will attend the
game. One viii be stationed in the
grand stand with the officers and their
friends while the other viii be in the
left field stand The ushers will all b9
dressed IN the uniforms of their re-
spective branches. The War Depart
menv has placed ar the disposal OF the
management a large number o. flags.
which will be used in decorating the
spacious stands and pavilion. The wealth
er forecasts at present point TO me
day. but in case the weather is threat
ening arrangements have been made to
cover the whole gridirOn with a layer
of straw so that IL can be kept as dry
as possible.
viii be extended 70 the President, the
high officials of the army and navy, and
the District Commissioners. In view OF
the fact that the President has made
every effort 10 encourage athletics
among the soldiers and sailors during
his term Of Office, IL is believed that he
VIII witness part If not the whole game.
The Washington times. [volume] (Washington [D.C.]) 1902-1939, 1904-12-06
JACK ROOT BEAT
WILLIE ON A FOUL
Had Best of Fight Anyway, But
Got Decision in Fifth
Round.

CHICAGO. Dec. 6.-Jack Root had all
the best OF the fight with John Willie in
their so al the Glue Island Athletic
Club last night. but was denied the
pleasure of gaining cIean-cut decision,
for Willie lost on a foul in the NTH
round TWO blows 10 the stomach. fol-
lowed boy a third palpably foul-all with
i'm "a minute from the beginning of the
psriOd-ard Referee Siler awarded the
night 40 Root
Root proved himself. the cleverer all
the way, landing three blows to Wlllc's
one. lie slipped inside OF Wlle's wild
swings easily and the blows that were
meant 90 De Furnishing ''haymakeTs'
simply disarranged the molecules in the
atmosphere. Root was favorite in the
betting at to TO-
Willie seemed 20 lack precision in his
terrific blows The decision pleased the
Dis crowd George Gardner, Mike
Schreck, and Joe Ch0ynsH challenged
the winner.