davidaulloa/AmericanStories huggingface dataset:
The Minneapolis journal., 1905-10-11
Back to First Principles" !"

People who are demanding the, ,reor-
ganization Of the big three life insur-
ance companies, and the removal of
the present officers, should bear in mind
that John A. Mccall rose to the presi-
dency Of the New York Life as a re-
suit of a similar upheaval something
over a decade ago. There was house
cleaning then, such as the public de-
mands now, but there seems to be neces-
sity for another. &.
Insurance Commissioner O'Brien hits
the nail squarely when he says that
the Investigation VIII be ofI,ho perma-
nent value without a. change>ins the sys-
tenn. The fundamental wrong.4iss that
vast sums Of money are allowed to ac-
cumulate in surplus funds, instead Of
going to the benefit of policyholders
by annual distributions. ~
AS long as an enormous cash surplus
Is allowed to collect, so long will ex-
ecutives in charge be found yielding to
temptations of stock jobbing, exorbitant
salaries, loans to related corporations,
etc. The only sure cure is to require
the annual distribution of earnings The
root of the evil lies in deferred divi-
dends and tontine policies. s..,'
Endowment policies have an: attract
i've sound, and men who arean not expect
ing to die like 1.-The idea of policy
which will mature without the., ,iecesa
sity of dying. The trouble with thee
doWment policy is that comparatively
few get the benefit Of it. Statistics
show that not more than one in fifteen
of such policies mature. It is believed
that two-thirds Of, those who realize
die during the term, and so have paid
rate higher than needed for protec-
tion. when protection was all they
i wanted. The small remainder, prob
ably one In fifty, stick to their pay
ments until the policies mature. The
investmenty pans out for them, but how
& about the other, forty-nine? Some die
and the face Of the policy goes to their
heirs. but the great mass lapse in pay
ments and gets little or nothing. 81 The
lapses pile up the company's surplus,
and the extra premiums paid and held
to liquidate endowment policies are re-
sponsible for most Of the enormous cash
assets carried by the big companies.
Mr.. o 'Brien's cure is an absolute
return to the first principles, of inslur-
ance for protection only, with an annual
distribution Of surplus, and he would
probably. add, a. strict limitation on the
8 an amounts paid, to get business. The
great army Of policyho1d 1ders have doubt.
less seen all theywant of frenzied life
Insurance, and would welcome a. return return
to the simple life on the plan Mr..
@ ,Brien suggests. The system which
permits the insured to bet that he will
Keep up his payments, when the chan ces
are fifty to one that he will not, IS not
legitimate life insurance. It is. foo
The Minneapolis journal., 1905-10-11

THE GAMBLER" BY THE, AUTHOR
oF THE MAsoUERADER.h = Many
doupless VIII read The Gambler, Kathe-
r,ne rms, Cecil Thurston's new novel, because
tney FOUND SO much to interest them IN
me Masquerader." Some Of such read
ers will be disappointed, tho .'The Gam
bier" is story that has a claim all It's
cwn. The Masquerader" held its readers
emery because of it's ingenious central
situation and the cleverness of the author
IN working it out satisfactorily. 'The
Gambler" has no such situation. It is
more of a psychological study in q roman
nc setting. It Is another testimony to the
truth Of that old, old story that 1.-THE
evil men do lives after them," that the
traits of one generation appear in the
next, even to the third and fourth genera
ton. ~ ~ ~
The Minneapolis journal., 1905-10-11

Clodagh Asshlin, the story's heroine, is
the descendant of a line of Irish gentle.
men who were devoted to cards. or indeed
to any game Of chance. The passion
ruined her father, and she had watched
the passions growth and seen the ap-
preaching doom with a growing horror o1
1T. But beneath her fear is a latent love
of gaming, an unseen but a vital thine
ready to develop into a master passion
under some impulse or the excitement o1
some moment.t Impulse and excitement
come, of course. It is at the ''at home
OF an English lady in Venice. Bridge ano
roulette are the chief means of diversion
Lord Deerhurst, a new but assiduous
acquaintance, answers the bantering O.
others at her refusal to try her fortune
at roulette, by offering to stake for her
She expostulates, but too late. Then: @
TO Clodagh it was supreme-an extraordi.
nary-moment.. Until Lord Deerhurst had made
the stake-until the first click of the spinning
Dali had struck upon her ear-she had been
conscious: OF only one feeling. prejudiced; In
or sk1l1-upon which money could be staked
but the simple placing of the coin, the simple
turning OF the pivot had marked for her a
PsyEnoiogisai pssnoS epoch From that moment her
ieehngs changed. With quick catching of
the breath, she stepped inyoluntarily forward,
aware of but one fact-the keen, exhilaratine
knoWledge that the stopping Of the ball must
mean loss or gain-individual loss or gain,
"a Clodagh's acquaintance with Lord Deer
hurst Is cultivated with evil intent on his
part. Then comes upon the scene Sir
Walter Gore, called "Sir Galahad' by his
set, and good and evil forces contend for
the soul Of the woman, with the inherited
gambling taint on the side Of the evil
Owing to the rather hazy drawing OF
the character Of Gore and a lack of force
IN the man, the romantic and tragic por-
tlon OF the story-the battle of the good
and evil-lacks convincingness.% Gore is
an Influence on Clodagh only because of
her love for him, which love, to the
reader, Is not quite justified. Clodagh's
struggle with the assistance of dear little
Nance. her sister, however, is one that
the reader follows breathlessly to the end,
and would have quite as strong a grip had
Gore been omitted altogether. :
:. Harper & Brothers. New York.
The Minneapolis journal., 1905-10-11
PLYMOUTH CHURCH ANNUAL
Officers Are All Reelected and Reports
Show Prosperous Year. ~

Plymouth Congregational church held
it's annual meeting last evening in the
church parlors. A banquet was served.
Reports showed the year to have been
the most successful in the history of the
church. Interest certered in the report
of j. R. Kingman, chairman of the
Bethel mission committee, who stated
that site for the new mission had
been purchased and that ground would
be broken in a few days.
The officers were all reelected as
follows: Judge w. R. Cray, president;
Washington Yale, secretary and Walter
L. Badger, auditor. Fred W. Reed was
elected member of the board of trus-
tees in place of w. L. Martin.
The Minneapolis journal., 1905-10-11
KILLED BY TRAIN
Peter Flannery Is Fearfully Mangled
Near Philbrook, MINI.

Peter F1annery. 25 years old, was run
over and instantly killed by Great
Northern train near Philbrook, Mimi,
some time yesterday, and the Mime
apolis police are trying to find his rela-
tives.
The body was found on the tracks by
workmen, and the coroner of Todd
county was at once notified. The body
was horribly, mutilated and the head
was completely severed. In the pockets
were letters and papers addressed to
Peter FYannery at Minneapolis, and
there was money order also made out
to him. Flannery is thought to be
man who left Minneapolis a few days
ago to operate a steam shovel on the
500 road
The Minneapolis journal., 1905-10-11

monograph postaa cards made OF hard
gelat1ne and containing records Of songs
are now for sale ia Germany. The next
step' which the manufacturers are al
ready nstidering, is to provide rea-
sonably priced machine which will both
record and reproduce the voice.. Then,
If two pers ons have such machines. thew
may correspond as long as they have
cards ards to send them back and forth. It
Will also be possible for them to- record
in card twenty. times as many words
oy phon ograph as by pen, as each
word Is hs trdly more than dot A man
VINO Is ay on. business trip may still
hear the Loved Voice asking him if he
has "chal 1ged his collar this nornine ,,
The Minneapolis journal., 1905-10-11
FIVE BREAKS IN ARM
z. M. G. A. Gymnast Is Injured in |
Peculiar Manner.

Eddie Hammer, 1724 Fifth avenue
NE, is confined to his home with se-
rious compound fracture of the bones
of the left arm and physicians who are
in attendance pronounce the case one
Of the most serious that has been known
for some time. 1t is even feared that
the lad may lose.h arm.
A few days ago the boy fell from the
flying rings a. the Y NJ C. A. gyms
nasium, sustaining five fractures, three
in the bones of the elbow and two in
the bones of the forearm. A physician
spent three hours reducing the fraSr
lures. se
The Minneapolis journal., 1905-10-11

Ihere may be summer resorts and
there und oubtedly are winter resorts. bur
as an au1 >umn resort Minneapolis has had
them "hridged." Who wants winter
resort an yway? Isn't it the fellows who
have gotle too far along in the creation
OF their pile to enjoy the job any longer?
The autumn resort fellows are the men
who have something to do and some
strength to- do it with and Minneapolis
Is show ing them where to go to get the
most out of their nerve force. ...~
The Minneapolis journal., 1905-10-11
John F.. Stevens" in the November
Technical World Magazine. Says Mr..


1T was on one of these surveying
expeditions into the wild mountain coun-
try that a personal difference arose be-
tween the engineer in charge and the son
OF great railroad president, who was
a member Of the party. AS a matter of
discipline, Mr.. Stevens finally found it
necessary to soundly thrash the scion Of
transportation royalty, which he did with
great thoroness and dispatch. When the
party got back again to headquarters the
railroad president listened to his sons
tale Of complaint. Then he smiled grimly
and said: Stevens was right"
Pastor Charles Wagner's Estimate of
Roosevelt, the PresIdent.-One of the
most interesting things In MccIure's for
October is Rev. Charles Wagner's "a
Visit to the White House" Among
other things the Paris pastor says of the
president:
Everybody knows that he stands for the best
OF America, that he has something better than
political policy, that he has an ideal, and
that this ideal conforms to the noblest tradi-
tions of the republic as well as to its most
weighty future interests.
The Minneapolis journal., 1905-10-11

A ce rt;ain Mr.. Bookwalter- is being
strongly supported for mayor of Indian
apolts u p'on President Rooseve1t's foreign
policy ami the volume of !. exports & AS
mayor OF indianapolis he will see to 1t
that our trade does not decrease and that
the Monroe doctrine is respected in every
ward in l:he city. .. = - ''>'..--N
The Minneapolis journal., 1905-10-11

Pat c,rowe lirnped into town one day
br1nginls John D. Rockefeller in his train.
NO. W O. don't want no ransom, me and
me pal" he said. 1--WE just want his
folks d , take him off our hands. You
see' du ring our little stay together Mr..
Rockeft sller he skinned us out of every
thing we had and we don't want to take
no NOR e chances. Just give US a receipt
for JOB IN and let us CO., -, @;SE -
The Minneapolis journal., 1905-10-11

A: surprised and delighted newspaper
correspondent lat Ann Arbor reports. thar
Champion shcaputter coe, who has, just
entered the lii erary department, sis a
perfect gentle,rlan.'' Never mind Hc
may Aget over iit before field day. 4 ,ztss. I'll
The Minneapolis journal., 1905-10-11

Senator Clal rlx's $4,000, 900 house IS now
in the courtsl The architects have fall
en- out and 1lave dragged the job into
court for the judge to settle. It is seven
years since Clark started to dig his eel
lar and he is still putting up at the hotel
but it Is &good hotel. H*:srs<<
The Minneapolis journal., 1905-10-11

Lord Ro sebery has declined to visit this
country /, ecause he fears the American
reporter. 1t may reassure him to learn
that repor ters are quite chunmy with
Prince He nry, and that M. Witte told
them he Cd 'uld never have made peace if
they had m OF put ideas in his head from
time to TINT. r. z. -r~.,,. u <
The Minneapolis journal., 1905-10-11

The South q end Tribune brings the
distressing news, that the democrats are
conducting a -tmud-slinging'' campaign
in Ohio. Why not? It is a long time
since they have. had an old-time scrim-
mage in the but;l zeye state.
The Minneapolis journal., 1905-10-11

~p Mr.. CharA es Evans Hughes. has better
sense than d o run for mayor OF New York
this year. His duty is to clean; up the
insurance m, 1ss now and run for govern
or of New Y ork next year when he will
have cham ce to appoint an insurance
commissioner. who will continue - +ba
work
The Minneapolis journal., 1905-10-11

The attorney ftfor Gaynor and Greene
ents to flee to canada, That. lawyer
ought to be hanped out beautiful bunch
Of American Beaa tiles to go with that.
The Minneapolis journal., 1905-10-11

j The Chicago 10 urnaI says that the life
insurance officials had a game in which.
they did not haI to die to win. And
they "cared for tx leir families while still
alive. It is a vim Ter while it lasts. .
The Minneapolis journal., 1905-10-11

The Daughters of the American Revo-
luton are desirous of erecting a. monu-
ment h o the memory of Andrew Jackson,
but thu ~ are unable to decide where to
put it, since there is doubt whether he
was born in North or South Carolina
Rest OIL the assurance, dear daughters
that he. was born, and that, even if you
do not p' it up a monument, the fact will
not be fe ,rgotten. =. ,1s>.~
The Minneapolis journal., 1905-10-11
much like long-winded game Of

The Ohio republicans have been having
a hard time lately, but they believe Her
rick rick will be l, neglected, since it has been
discovered that the democratic candidate
lis president of an Insurance com narY
The Minneapolis journal., 1905-10-11

Gas Addicks sa.f,s editorially: Zone re-
suit Of Senator iuee's attack upon Mr.;
Addicks is a ralh ing Of the union re-
publican voters to-, his support. = Whose
support? "
The Minneapolis journal., 1905-10-11

ia critic complains Of George Bernard
Shaw's Whiskers. "A critic must Of course
complain Of something and it might as
well be whiskers as anything.
The Minneapolis journal., 1905-10-11

Mr.. Lawson un q oubtedly feels greatly
outraged 'ut. by the fact that the only man
who knows all ab.out 1T has not been
called to testify IN the insurance sinves-
tigation. &s
The Minneapolis journal., 1905-10-11

+ James Hazen Hyde. has been bounced
OFF another board that of the Union Pa
cif1c railroad, and Hartman ten thousand
miles away.
The Minneapolis journal., 1905-10-11

aa The Rev. DR.. Huntington says that he
never saw an angel with whiskers. This
would indicate that babies do sometimes
go to the right place after all. IN.
The Minneapolis journal., 1905-10-11

that while 1t will not realize to them
a profit commensu rate with the amount
invested, it will be absolutely safe
safe from themselves and from specu-
latiye tendencies that may loe in them,
and safe from the. general fuctuation Of
securities. Nobody believes that the
main purpose of insurance companies is
to make money for their p olicyholders,
and Mr.. Nc CURLY knows, If he knows
anything, that this view Of insurance
is not held by the public anywhere.
Nor is it true that an insurance COM
pany Is bound to spread itself indefinite
~. An insuran ce company has a. legiti-
mate field of endeavor juft as surely as
manufacturing plant or a jobbing
house has. It has a cierstele Of people
who know it's virtues and who have
confidence in its management, and it
has acquired a certain knowledge of
investments which enatAe it to place
its money to the best advantage in Ger.
tain parts Of the country. There is no
more need of an insurance company
roaming the world over than there is
OF trust company or bank trying to
cover the earth. Ma my of the very
best insurance compa1 lies accept a re.
stricted field and some of the very worst
seem to think the world is their oyster
Mr. McCurdv max es one true state
ment, and that is THAT insurance com
pan1es are "Geleemosyrnary institutions
and that being true, he might be asked
how he jus'tifes drawing salary OF
Sloo,OOO year out of an institution
which is charitya How does he ius
tlty the emo rmous Trofts which his son
and SON -in-l law have grabbed from the
widows and orpha ns' funds9 .-.@
The Minneapolis journal., 1905-10-11

I Jose Miguel Gomez Is not the Gomez
who fought. He is the one who lives to
fight another day. I.s
The Minneapolis journal., 1905-10-11

What do they want Of a doctor in the
cabinet? To prescribe for the candidates
for president, to be sure.
The Minneapolis journal., 1905-10-11

The president may take run down to
Panama in his war clothes. Then the
dirt will fly -~
The Minneapolis journal., 1905-10-11

Workmen on the Panama canal can go
skating In a few days-if they come
north. +s.. --.-
The Minneapolis journal., 1905-10-11
THE MAGAZINES

Stevens DlsclplInes Young Hill-An in
scident of the strenuous past life Of the
new engineer of the Panama canal is told
by Henry M. Hyde In his article on
The Minneapolis journal., 1905-10-11

other name would smell as sweet in Mil
Waukee. Eu~ ~"
The Minneapolis journal., 1905-10-11

Up to 1S pages. .3ssI. x ceut
Up to 81 pages. -. .ss... oScen's
The Minneapolis journal., 1905-10-11
LAWYERS MUST LIVE
III p 2. ~
washington Post.

80 washington Post. 3s3.t54El
Why not tell the truth r. asks the Bos-
ton Herald. Well. one reason is that en-
ployment must be found for the lawyers.
The Minneapolis journal., 1905-10-11

Has Mrs. La Toilette been consulted
about the governors plan to lecture all
the time2 z>,s 81. . Is. IL = III sge, -.
The Minneapolis journal., 1905-10-11

The corresponds nts are several pages
ahead Of the pres tdent on his message.
The Minneapolis journal., 1905-10-11

Thank heaven for last years over
coat. r -@.ss>.. III.
The Minneapolis journal., 1905-10-11
HE is ON THE SQUARE

New York Sun. y {
Thousands of cards were distributed
on Saturday which read as follows:
The Minneapolis journal., 1905-10-11

All papers are continued until an explicit order
is received for discontinuance and until all ar-
rearages paid.
The Minneapolis journal., 1905-10-11

It is q most interesting race, but it Ii
thought the president viii finish first.
The Minneapolis journal., 1905-10-11

BY CARRIER IN, MINNEAPOLIS AND
f.. SUBURBS.
The Minneapolis journal., 1905-10-11

Wait till Alice A. comes home with, sher
Christmas presents.
The Minneapolis journal., 1905-10-11

POSTAGE RATES OF SINGLE COPIES.
The Minneapolis journal., 1905-10-11

PUBLICATION OFFICE-Minneapolis M1nn.,
Journal building, 47-49 Fourth street S.
The Minneapolis journal., 1905-10-11

BY CARRIER OUTSIDE THE CITY.
Daily and Sunday, one MONTH. ......... 100
The Minneapolis journal., 1905-10-11
JEROME HAS ALWAYS BEEN
II :.

YOU BE ON THE LEVEL
AND
VOTE FOR HIM.
The Minneapolis journal., 1905-10-11

PAR1S-Journal on file at American Express.
211 Rue Scribe. and Eagle bureau. 53 Rue
Cannon
The Minneapolis journal., 1905-10-11

The session Of congress this winter will
furnish plenty Of opportunity for the SEN
ators to show their position. Railroad
rate legislation is bound to come to some
sort of an issue in the upper house, and
Senator Nelson will be able to show right
where he stands. His Minnesota ,oppo-
nents will be watching him with an eagle
eye, and may be relied on to call atten-
ton. to any Of his Mistakes. either Of
omission or commission. Before the legis-
lative primaries are held the people of
the state will know more about the rail-
road question. I'll. -
The Minneapolis journal., 1905-10-11

The friends Of A. l.. Cole OF Walker
nave found another place for him. Some
OF them have proposed him for speaker of
the next house. Mr. Cole is reported to
have the congressional matter still under
consideration. He has been mentioned
for governor, but Is apt to run either for
congress or for state senator. The latter
place. it is believed, he can have for the
asking, but the speakership plum may
tempt him to remainrin the lower house.
Charles B. Cheney
The Minneapolis journal., 1905-10-11
s11RscR1pr1oN RATES ~ AZ. 3MAAifI.

Daily and Sunday, one year. -. s..... Sa.oo
Daily and Sunday, six months. 49, 2,gO
Daily and Sunday, one month. ..s's..s.i 40
The Minneapolis journal., 1905-10-11

The democrats have some hope Of IN
creasing their legislative representation.
At the last session they cut no figure at
all as minority party, and even split on
the senatorship. They hope to run in a
larger membership next year behind the
coat tails Of, John A. Johnson. Their
total of eleven senators and eleven repre-
sentatives may be Increased, but as an
organization the democracy Of the state
Is In bad way, and they cannot hope to
threaten republican control Of both houses
The Minneapolis journal., 1905-10-11

NEW YORK oFF1CE-Trbune building.
D. A. CARROLL, Manager.
The Minneapolis journal., 1905-10-11

L0NDON-Jcurnal on Lie at American Express
office, Waterloo place, and u. s: Express
office, 80 Strand
The Minneapolis journal., 1905-10-11

Daily and Sunday, one month. ........... ..4'
The Minneapolis journal., 1905-10-11

The senatorial succession will be an
issue in the primaries. No doubt. the
managers Of Senator Nelson's interests
will insist on every candidate declaring
himself, and will attempt to get COM
Portable majority pledged in writing. The
opposition will plead for an unpledged
delegation. The state convention next
summer is pretty certain to indorse Mel
son for reelection, and with that as a
lever the Nelson men will demand dec
laration from every one. ii. ,.n.
The Daily Ardmoreite. [volume] (Ardmore, Okla.) 1893-current, 1905-10-31
TERRITORIAL HAPPENINGS.

Complaint Is made by the Frisco
railway of numerous robberies by car
thieves at Alton After an inyestiga-
tion by Frisco detective four arrests
We're made.
NJ f. carl of Chi,aPc das ocen s1-
lected as Muskogee's city engineer.
Mnburn Is to have a brass band OF
fifteen pieces.
!. VI. Sporge, a Rock Island engl-
neer, was PAINFULLY injured near Bill
by by coming in contact with sack
OF mail hanging from crane.
In the recent raid ON the gaming
houses at Tulsa, "RoXie' Green, weu
known over the territory. was among
the number arrested. Green hal tcon
running q Louse a. Tulsa.
The Jumbo Trading Co. of Weleet-
ka has filed articles OF incorporation.
The compny has a capital stock of
$4,000
The Shawnee Herald claims that
the cotton crop Of Pottawatomie
county this year will be such that
ten per cent more money will be re-
allied for the cotton crop than the
receipts Of last year.
D.
Tom Hul,tt has been apontod as
sistant chief Of the Shawnee police
force TO succeed n. NJ, Douglas. re-
signed.
Chief Pleas ant Porter has been Sc
lected TO head the Creek delegation to
Washington Each member will be
allowed 81 per day and 5000 for tray
cling expenses.
The Missouri Oil company, with a
capital OF $4,000 has filed articles OF
incorporation at Muskogpe.
Wm. Alexander, who was indicted
for the murder OF a negress across
the Oklahoma line from Duncan some
time ago, has been acquitted at Law
ton.
Duncan's public schools will begin
Nov. 6 AMI continue for six months.
-
DIR. Wilkinson, a prominent phys1-
clan from Lenopah, has been acquit,
ted Of being the party responsible for
the seduction OF n lG.year-old girl at
Lenopah
o
The democrats OF NoWats have
formed a permanent organization.
II. II. Rogers. the active head of
the Standard OH company, is said 10
The Daily Ardmoreite. [volume] (Ardmore, Okla.) 1893-current, 1905-10-31
WARNING ORDER.

In the United Sta,gs court in the
Indian Territory. Southern district:
j. j. Barnes. plaintiff VS.. Anna
Barnes, defendant. No. G38j.
The defendant Anna Barnes, is
warned to appear IN this court in
thirty days and answer the complaint
of the plaintiff, J. J. Barnes.
Witness the Hon. Hosea Townsend,
Judge Of said court, and the seal
thereof, this 10th day of Oct, 1905.
(Seal- c. NJ CAMPBELL, Clerk.
BY w. :. CROCKETT.
j. c. Little, attorney
Attorney for nonresident, S. II.
Butler.
First published, October II, 1905.