davidaulloa/AmericanStories huggingface dataset:
The Spokane press. [volume] (Spokane, Wash.) 1902-1939, 1905-05-11
PLANS Ion LII INSURANCE
BY Jos. ]. DEWEY.

vious that this excess must be held
in trust because when the insured is
20 it will cost the company $14 to
carry the risk, or 50 more than the
amount collected that year. BY earn
ing interest on the 50 excess received
the first year and on the 81 excess
received the second year it is evident
that under the old line plan it would
not be necessary to charge the full
$12 per year.
In ordinary practice the companies
are required by law to keep these
excess payments on hand and invest
them at not less than a certain rate
of interest. They form the legal re-
serves of the company and since fur
nishing an offset to the deficiency Of
future premiums it is never neces-
members.
In former days in case a policy
lapsed no part of these excess pay
ments was returned. They were held
for the benefit of those policies which
persisted to maturity. The laws are
such now, however, that in case a
policy lapses after three-and in
many cases after two-annual pre-
miums have been paid on 1t, an equit-
able return must be made to the in
sured in the way of cash, or paid-up
or extended insurance.
In calculating the payment neces-
sary to maintain a life policy at, say,
age 80, the actuary first determines
from legalized mortality tables the
amount which the company should
receive in a lump sum when the
policy is issued, which, together with
interest at the assumed rate would
enable it to pay $1,000 at the death
of the insured. This is styled a
single premium" But as it Is more
convenient for most people to pay
in installments the actuary figures
premium to be paid every year as
| long as the insured lives on what are
| known as continuous payment life
| policies. He likewise figures the pre-
miums for specified number of
years( usually 10, 10 or 20) on what
are termed limited payment life
| policies.
| Only the actual cost of carrying
! the insurance so far as the death rate
is concerned is figured in these first,
/ or net, premiums. Provision must be
made for the expense of conducting
| business. and also for meeting emer-
gencies that might arise, and this is
accomplished by adding certain
sum Called loading) to the net pre-
MUM. The result is the gross pre-
MUM. or the premium which the in
| Suree paws.
The Spokane press. [volume] (Spokane, Wash.) 1902-1939, 1905-05-11
Whatever You Do, Don't Whine

Your grumbler never gets Nature in sarcastic
mood seems to have ordained that the persistent wilmer
shall want for everything except something whine about
disappointment sardoncally meets him at every turn.
Misfortune ever turks in his shadow.
The whine is signacall to thousand and one little
demons OF distress and disaster which mock and ash hin
der and dshearten.
Psychology has pretty well established the theory that
ghosts creations of the subjective mindand trouble
finding is very much like ghost seeng You blurs and
botches which, if properly traced will be found to begin
and end their actual existence your eye stomach
or liver.
There nothing else you look for with so much GER
tainty of finding it as trouble
If anticipation did not go than half way to meet
troubles most of them ght miss their way and get
you.
enemy could not do him if he would He warps his own
mind; he weakens his arm; he enervates his own
strength he deadens within himself the divine gifts of
cheer and hope and he dams up his soul against the
sweet inspirations Of human sympathy
Never did success worthy of the abide with man
with a whine in his heart
A whine is premeditaed and prearranged failure
whining voice means whining character. 1t is a
mark of weakness too nexcusabe to excite pity The
broades charity shrinks and draws back the hand at
sound of human whine-a sound more disgusting and
dismaying than the hiss of snake.
They say that Of the things you cannot make al
ter envronment-tha is is fixed inexble and that you
its slave. This is pessimistc lie.
To our own moods environment is looking glass; it
smiles back at us if we smile if we frown it frowns
He who thinks the world is full of good people and
kindly blessings is much richer than he who thinks the
contrary Each mans imagination largely peoples the
world for himself. Some live in world peopled with
princes of the royal Blood in world of paupes and
privation. You have your choice.
This is big, busy world 1t precious little what
you think of it what faults of troubles you find in it. 1t
is choice that yourself than all others
bined whether you crouch in the gloom the companion
hateful gobns strobe in the sunshine seeing smiles
and catching shreds of song.
Men and women in God s image not made whn-
ing grovellng things They made to stand erect
mentally well physically; to labor well and joyousy
to take the gifts of providence whether they be
and bear them cheerully and with courage to add
something to the worlds store Of happiness if it be
onl va smile
Look up! See how flooded with sunshine this beautiful
world is when faced with smiling eyes
If you would win anything, do anything, be anything,
don whine.
The Spokane press. [volume] (Spokane, Wash.) 1902-1939, 1905-05-11

those wise mques stepped up to Martin and began to
describe to him how Melody going to fight.
The mique drew back, Tented stunted with shadow
pokes and just about the climax when he going to
show how Melody would land the knockout punch Martin
who had been quietly regarding the fellow with panied
expression his face stopped the shadow to inquiries
"How do you mean? Like this
And Martin reached soft caressing round arm hook
to the mique's jaw-and the mque went to sleep right
there the sidewalk Howard and Riverside.
1t done quietly and skillfully that only few
noticed it and the wise being brought to quickly the
incident passed police attention.
But it was one of those deserved lessons
WILLIE B. GOODE.
The Spokane press. [volume] (Spokane, Wash.) 1902-1939, 1905-05-11
CHAPTER II.

CHAPTER II.
The various life insurance organi-
cations may be divided, as far as
their plans of insurance are concern
ed, into two general classes: One
comprising those charging premiums
not subject to increase and guaran-
teeing a definite amount at death
the other those not making these
guarantees. The old line companies
are the only ones which operate on
the guarantee plan, while fraternal
beneficiary associations, business as
sociations and stipulated premium
associations Cor companies) come in
the class under which neither the
amount Of premiums nor the benefits
are guaranteed.
Those organizations operating on
what is known as the natural pre-
MUM" plan charge members slight
ly increasing amount each year ac-
cording as the chances of death in
crease. This plan is scientifically cor
rect, yet it Is objected to by many
because the premiums which are low
when members are young become
high as the age increases and pro-
ductiveness decreases. Thus many
old members are forced to cease pay
ing premiums and in such cases they
receive no surrender value because
none has been provided for
In order to obviate this undesir-
Lob Of
plan, old line companies average the
cost and charge a level premium. Tc
illustrate: Suppose that out of 1000
insured persons at age 81, 10 die
during the year If each was insured
for $1,000 it would require $4,000
to pay the death losses, and 81
| would have to be collected from each
member Suppose out of 1000 at age
%, II die, then each would have tC
| pay $11, and so on. This increasing
| premium is what is known as the
natural premium. The figures are
only illustrative, not actual, but t.
make the point let it be supposed
that the cost at age 90 would be $12
at age "a $13, and at age rs $14. II
| the five years then a total payment
of $50 would be made under tn,
natural premium plan.
Under the old line, or legal re
serve, plan the insured would pay {
level premium of $12 each year FOL
five years, and the total payments
would thus be $50 also.
This calculation does not take in
| terest into consideration as it should
for as it only costs the company 81
to carry the risk the first year ant
yet it charges $12 therefor it ha:
50 to hold and invest And 1t is OBJ
The Spokane press. [volume] (Spokane, Wash.) 1902-1939, 1905-05-11
NORMAL SCHOOL
PRESIDENTS

MILWAUKEE, Wis, May H.
The north central council of state
normal school presidents began its
fourth annual meeting in Milwaukee
over tomorrow. Normal school meth
DDS and other topics of mutual in
terest will be discussed. The nor
NAL schools Of ~ states are repre-
scented by their presidents or faculty
members, among whom are some of
the most noted educators in the
United States
The Spokane press. [volume] (Spokane, Wash.) 1902-1939, 1905-05-11
IN MEMORY OF
A. S. HEWITT

NEW YORK, May ia mag
nificent statue of the late Abram
S. Hewitt, erected in the chamber
of commerce in recognition of his
public services, was unveiled today
with appropriate exercises, Alexan-
der e. Orr presented the statue or
behalf of the committee in charge
and Morris X. Jesup, president of
the chamber of commerce, delivered
the address of acceptance.
The statue is of Carrara marble
and was chiselled in Florence by
William Copper. 1t il of life size,
and represents Mr. Hewitt standing
by the side of draped table in the
act of delivering a speech.
The Spokane press. [volume] (Spokane, Wash.) 1902-1939, 1905-05-11
TRAVELLING Is DANGEROUS.

Constant motion Jars the kidneys
which are kept in place in the body
by delicate attachments. This Is the
reason that travellers, trainmen.
street car men, Transfers and all
who drive very much, suffer from
kidney disease in some form. Foley's
Kidney Cure strengthens the kidney $
and cures all forms of kidney and
bladder disease. George f. Hausan,
locomotive engineer, Lima, O., writes:
Constant vibration of the engine
caused me a great deal of trouble
with my kidneys, and | got no relief
until l used Foleys Kidney Cure"
Sold by Chas. McNab, 400 Riverside
avenue
The Spokane press. [volume] (Spokane, Wash.) 1902-1939, 1905-05-11
FOR SALE.

Six-room modern house, on North
Side, $500; $500 cash, balance $25
month.
Five-room new house, Stage ave.
nue., $1,000; easy terms.
JAMES q. GRAY,
Phone 800. 702 First Avenue.
The Spokane press. [volume] (Spokane, Wash.) 1902-1939, 1905-05-11
TEXAS PRESS
ASSOCIATION

BROWNWOOD, Tex, May IL
Makers and editors of newspapers
throughout a large SECTION of the
state have rounded up here for the
twenty-siXth annual meeting of the
Texas Press association. The ses-
sions were formally opened today
and will continue until the end of
the week
The Spokane press. [volume] (Spokane, Wash.) 1902-1939, 1905-05-11
SISTERS OF HERMAN

will give a picnic at Mnnehaha park
Sunday, the 14th. Cars leave Howard
and Riverside every 10 minutes.
The Spokane press. [volume] (Spokane, Wash.) 1902-1939, 1905-05-11

s29 Riverside Avenue, Ground Floor.
{Incorporated.)

We have a half block of fine lots
near the Traction company's new car
line that we will sell one. two or
three to one person and build house
to suit If you have from $3.50 to $500
cash and can pay SIS per month and
interest. This would be good chance
for you to get out where you could
raise chickens and keep a COW and
have enough ground so you would not
trouble the neighbors.
The Farmville herald. [volume] (Farmville, Va.) 1890-1934, 1905-11-24
ADlsasrrous Calamity.

Itisa disastrous calamity, when you
lose your health, because indigestion
and constipation have sapped it away.
Prompt relief can be had IN Dr. Kings
New Life Pills. They build up your
digestive organs, and cure headache.
dizziness, collie, constipation, etc.
Guaranteed at White d Cos drug
store: 25c.
The Farmville herald. [volume] (Farmville, Va.) 1890-1934, 1905-11-24
Nainre Needs But Little.

Nature needs only 8 Little Early
Riser now and then to keepthe bowels
clean, the liver active, and the system
free fIom bile, headaches, constipation,
etc. The famous little pills Early
Risersn are pleasant in effect and per-
feet in action They never gripe or
sicken, but tone and strengthen the
liver and kidneys. Sold by all drug
gists.
The Farmville herald. [volume] (Farmville, Va.) 1890-1934, 1905-11-24
Mans UnreaSOnableness

is often as greatAs wOman's. But ThOs
; Austin, Mgr. Of the Republican, y
OF Levenworth, Ind, was not unreason-
,ble, when he refused to allow the doc
tors to operate on his wife, for female
trouble, "lnstead,n he Gays, I'VE Ion-
cluded TO try Electric Btters. My
wife was then so sick, she could hard
ly leave her bed, and five l5lpbysicians
had failed to relieve her. After taking
Electric BItters, she asperfectly cured
and can now perform all her house
nold duties" Guaranteedl by White
& Co, druggists. enJ u
The Farmville herald. [volume] (Farmville, Va.) 1890-1934, 1905-11-24
Errrr nnnce YOu Eat.

Every ounce Of food you eat that fails
to digest does a pound Of harm. 1t
turns the entire meal into poison. This
not only deprives the blood OF the ne
cessary tissue building material, but II
poisons IL. IL digests the food regard
less OF the condition OF the stomach. IL
allows that organ 10 rest and get strong
again. Relieves Belching, Heart Burn,
Sour Stomach, Indigestion, Pslpitstion
of the heart. etc. lSOld by all druggists.
The Farmville herald. [volume] (Farmville, Va.) 1890-1934, 1905-11-24
Greatest Sale
OF
DRESS GOODS
Ever known in Farmville. ~ -

You know what values we gave you
last week i'm colOred dress goods, such
AS 60c dress goods FOR Soc; 75c. dress
goods for 59c., sl.25 dress goods for 95c.
We sold more dress goods last week
than ever beforein any one week. The
lots we purchased wereA large and we
stiil have enough Of last. weeks offer
ngs for another weeks selling. We
alsolreceiyed new lot Of
LADIES CLOAKS aud HATS
which we will sell at greatly reduced
prices. We want you TO come and
see Tor yourself the. bargains.we offer.
The Farmville herald. [volume] (Farmville, Va.) 1890-1934, 1905-11-24

Energy all gone? Headache p
Stomach out Of order2 Simply a case
Of torpid liver. Burdock Blood biiieis
will make new man or woman Oh
YOU.
The Farmville herald. [volume] (Farmville, Va.) 1890-1934, 1905-11-24

No matter how long you have bad
the cough; ifit hasn't already developed
INTO consumption DR.. Woods Norway
Pine Syrup will cure It.
Hives are terrible torment to the
little folks, and to some older ones.
Easily cured. Doan's Ointment never
fails. Instant relief, permanent cure.
AT any drug store. 50cents. GrFi
The Farmville herald. [volume] (Farmville, Va.) 1890-1934, 1905-11-24

Hundreds OF lives saved every year
by having DR.. Thomas Electric Oil
IN the house just when 1t is needed.
Cures Group, heals burns, cuts, wounds
Of Q cry sort.
The Farmville herald. [volume] (Farmville, Va.) 1890-1934, 1905-11-24

V. %. The Christian is the one free
man.-JOhn S.36.
V. %. A law which is higher than the
Mosaic law Of meats and drinks. rules
the Christian life.-Rom So
V. &c. Let rs thankfully enjoy our
Heavenly Fathers good gifts Tim
80.
V. 2S. We can gladly forego amy per.
sonal preference or pleasure for tha
sake OF helping anoiher.-1 Cor S.l3
V. 32. We must take heed lest by
carelessness. n not by eul intent, we
cast stumbling blocks In the way Of any
--Rcn 1913.
The bee. (Earlington, Ky.) 1889-19??, 1905-10-26

Miss Ramsey and Mr.. Bailey, as
Miriam and Frederick, all in the
third act, received especial applause.
Luther Bruce, as "Coddle", was a
favorite and endeared himself again
to his Darlington friends by his hap
ply little curtain speech. Miss Grace
Grubbs and Mr. Ollie McMakin were
favorites in song and chorus. And
Miss Ramsey was the vocal beauty
spot In her solo, sin Dreamland."
Messrs. John Sugg and Geo. Vinson'
as the black burlesquers, Rodney
Rodes and Flora Dora, made all the
fun their parts would allow. The
costuming was handsome and APP
propriate throughout. The queer,
tall stump with the pump handle OF
limb, which appeared in the last
act, caused some speculation in the
audience, some of whom watched II
narrowly, expecting 1t to do stunts
They dubbed it the "qusrcus Maids
onvilliana.'
And one of the good points was
that the Tribe of Ben Hur, for whose
benefit the entertainment was given
cleaned up a neat little sum from
the proceeds.
The bee. (Earlington, Ky.) 1889-19??, 1905-10-26
A WORD WITH ADVERTISERS
Advertising with a Plan.

The modern advertiser goes
about his advertising campaign
in a totally different way to the
advertiser who is governed by
precedent. The e.awake adj
vertiser is not content to believe
that any old kind of advertising
placed in most any medium that
might happen along will get him
results but he goes to work and
formulates a plan to get as much
as he can for the money invested
the same as he would were he
planning to buy anything else
for his advertising on a fixed
plan and along scientific lines.
Too many business men think
that advertising consists in put
ting copy in a medium and wait
ing for results, they have got
along and made some money in
this way for a good many years
and they don't see aHy necessity
for change now If this sort OF
advertising pays, carefully plan
ned advertising would paw them
ten times over.
Advertising conducted on the
"no plan" basis cannot possibly
yield the returns that it would
If 1t were the result of a care
fully arranged policy. The bus
Iiness houses who do such adver
Using get only the business OF
the people who actually wan
the goods and come and ge
them because the advertisement
gave them the information tina
they would have had to find il
the city directory. The profit
able kind Of advertising is thu
kind of adv ertisin
that creates wants-makes PEG
pie want things they had ne
thought of before-that get
hold of the desire and make
sales.
The bee. (Earlington, Ky.) 1889-19??, 1905-10-26
A PARENTS PLEA.

My little boy is s years old,
He goes to school each day;
He doesn't mind the tasks they set,
They seem to him but play.
He heads his class at raffia work
And also takes the lead
At making dinky paper boats
But I wish that he could read.
They teach HIM physiology,
And, oh, it chills our hearts
To hear our prattling innocent
Mix up his inward parts.
He also learns astronomy
And names the stars by night
OF course, he's very up-to-date,
But 1 wish that he could write
They teach him things botanical
They teach him how to draw;
He babbles of mythology
And gravitation's law;
And the discoveries Of science
With him are quite fad;
They tell me he's clever boy,
But / wish that ne could add.
LIFE.
The bee. (Earlington, Ky.) 1889-19??, 1905-10-26
"6s Butterflies.

Butterfly time is about past for
those many colored beauties that fly
by day in the garden. Contrariwise
those social Butterflies of Maids
onville, who fiuttered before the foot
lights at Temple Theatre Saturday
night. protested that their time had
not yet come. But they refused to
put themselves in an attitude that
could be called contrary and, fiutter-
ing bravely to the stage before their
wings were yet fully expanded, gave
an entertainment that was an agree
able surprise to those who were sin
side" and knew the pressure under
which the gay, attractive troupe
came to Darlington. This initial
flight was accomplished gracefully
and with but occasional hesitation
| in the encouraging and friendly at
mosrhere furnished by representa-
tive Darlington audience, many of
whom knew the players had only
come that night because they felt
impelled to fulil the engagement on
the date announced, for the benefit
of an darlington fraternal institu-
ton.
The arrangement of the play was
admirable, though perhaps little
ambitious, and much of the
work of the cast was excel
lent. To Inkerman Bailey be-
ongs the credit of transfoim ming
the society play butterflies" into
the merry musical comedy, The
Butterflies y, as put on here. The
arrangement was his, including the
introduction of attractive musical
numbers and specialties that enliv-
ened without destroying the plot of
the play.
The work of the entire cast was
creditable and, naturally, the oc-
casional hesitation was much less
noticed by the audience than it was
magnlfied by the players.
Miss Marie L.. Ramsey, as Miriam
Stuart Dodge, sustained her part un'
failingly and was favorite through.
out the evening. Miss Matte Mae
Alexander, as Susanna Green, left
little to be desired In her interpreta'
ton of the part of a petted and will
full, though large hearted and whole
some daughter of a wealthy father
Mrs. Lee Gibson, as Mrs. Stuart
Dodge, read her lines well. Th'
more important parts taken by th'
men in the cast were James France
way, as Hiram Green Luther Bruce
as Fred Ossian; Ernest Dunkerson
as Andrew Strong, and Morton Nc
Pherson, as harrington Green, all o
which were well and acceptably pre-
sented. The scenes between MI
Franceway and Miss Alexander, q
Hiram Green and daughter, and 0
The bee. (Earlington, Ky.) 1889-19??, 1905-10-26

While we are discussing the
development of home products.
An snterprising farmer recently
wrote to an agricultural paper
saying that he found he could
sell his honey for better prices
in his home town than IN the
large cities, and claiming that
an town Of 1000 people ton of
honey should be sold each year.
In darlington and the other
busy towns Of Hopkins county
there are thousands of people
who consume tons of sweets an
nually. We can sweeten our
people with home made sweets
if a few enterprising citizens
will turn their attention to the
busy little bee that is easy to
colonize and never loses time on
account of court days or poll
tics.
The bee. (Earlington, Ky.) 1889-19??, 1905-10-26
THURSDAY. OCT. 70. 1905.

In calling attention editorially
last week to the necessity of bet
ter development of the farm
lands of Hopkins county we
told of the splendid home mar
ket for farm products which our
farmers do not supply. We told
of the more than one million
dollars paid annually in wages
to the coal mine employees OF
Hopkins county who raise very
little of farm and garden pro-
ducts but who pay for and con-
sumo large quantities OF these
things. We called attention to
the railroad employees OF the
county, who reside chiefly In
Darlington, who are non-pro
ducers and who earn two hun
dred thousand dollars annually.
We recorded the fact that into
darlington alone there is annual
ly brought from outside markets
one hundred carloads of corn and
wheat stuffs, grain and hay that
could be and should be produced
in Hopkins county. But one
very considerable class OF items
we overlooked mentioning: hogs
cattle ard sheep. Into Earling
ton alone about one hundred anc
fifty thousand pounds OF hos
products alone are shipped an
nually from outside markets
Most of the fresh beef and NUT
ton, too, that is consumed IL
darlington and the other towns
of the county is bought else
where and shipped into Hopkin
county. We believe all thes'
things could easily be produces
IN Hopkins county in sufhcien
quantities to satisfy the hom
markets. The county could, too
be made large producer AM
shipper of poultry and eggs in
stead of having to call on othe
sections. Every farmer could b.
a considerable poultry raise
with the minimum outlay. AM
such things pay.
The soil of Hopkins count
will produce. There is no lacl
of opportunity or inducement,
our people will only see it an
sieze it, to largely increase tn
quantity and variety OF farm
garden and orchard products
live stock and poultry in HOP
kins county.
The bee. (Earlington, Ky.) 1889-19??, 1905-10-26

GIVE cannot afford in this
country to draw the distinction
as between rich man and poor
man. The distinction upon which
we must insist is the vital, deep.
lying, Interchangeable distinction
between the honest man and the
dishonest man, between the man
who acts decently and fairly by
has neighbor and with quick
sense of his obligations, and the
man who acknowledges 10 inter
nal law save that of his own will
and appetite. president Roose
Welt in his Atlanta speech.