davidaulloa/AmericanStories huggingface dataset:
The sun. (Jacksonville, Fla.) 1905-1908, 1906-03-31

the insurance companies doing business in Florida.
Both fire and life companies show heavy balance of
receipts against expenditures; more than two mil
hon dollars, less commissions paid agents, having
been drawn from the State in excess of losses paid
This does not include the many thousands of dol
lars paid to accident surety and other insurance
companies, besides the many faternal organizations
which draw heavily from Noridians.
Of the Ill insurance companies of all kinds au-
thorzed to do business in this State only two show
loss for 1905. These were the United States Cas-
ualty Company, which paid losses in excess of re-
cepts of $6O3.S6, and the Guarantee Company of
North America, which exhibits loss of $s82.7O.
The amount paid for fire losses in the State last
year but 5000 94l.l5, while the receipts of the
various companies reached total of $l,577,9l5.sl,
giving the insurers q favorable balance of $OO7,-
97466 The fire risk assumed was about eighty five
million dollars.
While the fire risk in Florida is nearly nine times
greater than that of life insurance, yet it is the
latter that is of deeper import to the people.
The value of line insurance as provision for in.
ture needs has been so hammered into the public
mind both by solicitation and advertising, that the
habit of becoming insured may be considered a ma
tional trait.
1t is looked upon as form Of banking where
the deposit may be secured in old age in providing
for family at death of policy holder. By dwelling
upon such benefits the business of life insurance has
attained magnitude beyond all other commercial
enterprises depending for existence upon direct toll
from the people.
The amount of life insurance risk in Florida for
1905 was $lO972,lss, divided among nineteen com.
The sun. (Jacksonville, Fla.) 1905-1908, 1906-03-31

The investigation shows that the great wealth Of
this company is due TO the lapse Of policies. In
1904, 045,e4O policies, covering $ll2,2o257e of in
surance psed because the unfortunate holders were
no longer able to pay the premiums. In five years
the lapses Of Prudential policies amounted to 81 per
cent of the total number issued. There was nothing
coming back to the policy holder; what he had paid
in was lost to him forever.
While information Of lapse Of policies in the other
big companies is not at hand yet 1t Is reasonable to
suppose that the percentage of lapse was not less
than in the Prudential. That company appears to
be Of good standing the others, and the premium
rate is about the same in all When this phase Of
life insurance is considered it is easy to see how
the enormous accumuatons OF the various companies
have been gained, and why the activity in seeking
new business is unceasng. In order for the CON-
panies to continue constant effort Is exerted to re-
place the lapsed policies with new holders OF insur.
ance, many Of whom will pay for time, and then
will drop out as the burden Of annual assessment Is
beyond their financial strength.
The real cost of insurance Is overloaded with the
commissions to agents, the enormous salaries paid
officers of the companies and contributions for polit
ical purposes and lobbying. We're these expenses
eliminated the premiums could be 80 reduced that
fewer policy holders would surrender in despair, and
life insurance would be form Of investment that
the poor man could more easily undertake.
Under State insurance It Is declared that such
economy would be practiced. Insurance would be
furnished at reasonable cost and every protection
and aid be given the policy holder. Then, too, the
annual flow Of money from the State would be
checked, to the benefit Of every citizen.
The sun. (Jacksonville, Fla.) 1905-1908, 1906-03-31
Third Page

ing the real fec for insurance is also contributing
largely to fund for gaining new business. In 1904
more than fifty million dollars were paid by thirty.
two companies in gaining new business, nearly all
ct the money going to agents.
In 1904 the expense of the savings banks of Mas.
sachusetts were Las per cent of the years deposits
or about onetenth of the insurance expense of that
State.
In spite of all the investigation of the big insur
ance companies there yet remains much to be learned
of the manner in which the business has been con-
Quoted. Now and then ray of light reveals Of
the darker dongs, and to the desire for information
by the New Jersey Legislature is the public indebted
for knowledge of one company-the Prudential. This
company ranks eighth in the amount of risk carried
in Florida-$333 ,33s-and last year its receipts in
this State were $4474l.70, while its losses were but
$3,547.5O.
The sun. (Jacksonville, Fla.) 1905-1908, 1906-03-31

Little doubt exists that the next Legislature of
Florida will again take up the question of providing
State insurance, and in view of such event. discus
sion of insurance business in this State is timely.
According to the population Of Florida the bill
for life insurance is heavy and large is taken
from the State annually never to be brought back,
thus reducing the volume of money in circulation.
BY means of State insurance, advocates of the
plan claim that not only would the premium rate be
lower on account of economy of management, but
that the money paid in would be invested as far as
possible within the limits of Florida.
@ With lower premiums on life insurance better
protection could be given the people, as payment
would be more easily made and fewer policies would
lapse.
Last year was an extremely profitable season for
The sun. (Jacksonville, Fla.) 1905-1908, 1906-03-31

Life insurance companies held risks in
Florida last year of $40, 972, 1873, on which
premiums of 81, I'll ,403.S0 were paid.
If this condition obtained for ten years
the insured would have paid Sc, 141, 1855
more than the guaranteed liability of the
companies.
If the amount Of premium paid last
year was invested each year for ten years
at per cent, at the end of that period
the investors would have the principal of
$17, 114,O3S and interest of SO, ,4S2.
The sun. (Jacksonville, Fla.) 1905-1908, 1906-03-31

panies. Only one of these was State concern, and
which had qualified for business October 8, showing
December 81, risks of $l46,775 on which premiums
of l,72L62 had been paid.
The eighteen foreign companies received $l,7O0,.
6s2.lS in premiums during 1906. They paid claims
of $5Ol ,S969l showing receipts of $l,2077 in
excess of losses.
striking feature of the years business is that
the premiums paid the New York Life alone were but
$f7l93 less than the total losses paid by all the
panies.
Of the three big companies doing business in this
State the Mutual Life shows receipts above losses
of $32s,O7O.5s; the Equitable, $2l2,Sl67l; the New
York Life, $34l ,6O49S
The premiums collected in the State last year
were nearly onesixth of the total life insurance risk
Ii collected at the same ratio for ten years the policy
holders WOULD HAVE PAID $6,l4l,s55 MORE
THAN THE SUM GUARANTEED BY THE TOTAL
OF THE POLICIES.
1t cannot be assumed that the present risks would
continue for ten years, as many policies would lapse
because of nonpayment of premiums, be cancelled
account of death other for payment
by the companies, but it is probable that sufficient
new business would be acquired to maintain the
present proportions.
In looking at the matter from this view point
worthy Of consideration is the side of profitable in
vestment, showing how much less is paid by life
insurance company than in many other forms OF
investment.
Taking ten years as the period of investment on
the basis of last years business, the holders of in
surance policies would pay $l7ll4O3S for the guar
anteed $l0,972,lS3. But if the premium of $l,7ll,
4O3 paid last year, deposited each year in
ings banks paying per cent interest or in other
equally safe kinds of investment at the same per-
centage for ten years, the result would be not only
the possession of the principal at the end Of that
period, but interest of $3744,4s2 making total of
$2l 4sS,520, or $lO476,357 more than the prom
ised by the life insurance companies.
It is the feature Of specializing with death, pos
siby, that naturally gives the charm to life insur
ance The chance of obtaining great deal for little
given is the strong card. On account of the promise
that the amount called for in the policy will be paid
if death ensues within certain time after date OF
issuance, without regard to the amount paid by the
insured, the standard of attractive investment has
been reached.
To place this form Of investment on a solid foun.
dalton, necessarily the premium must be fixed in
accordance with the average expectation Of life Of
the person insured. No person complain of such
method but it appears that the insured besides pay
The sun. (Jacksonville, Fla.) 1905-1908, 1906-03-31

The funds handled by the Treasurer of
Florida last year from all sources was
about 100000.
The amount paid the New York Life,
the Mutual and the Equitable Insurance
companies over all losses last year was
$685.
The receipts OF the Equitable and Mu-
tual were $500, 300 and $4l1, 900 respec-
lively, which together exceed by several
thousand dollars the sum handled by the
State Treasurer.
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02
CHURCH REV|EWFORQUARTER
Interesting Meeting Held Last Night
By Congregauond|ists
ENTERTAINING PROGRAM WAS GIVEN
REPORTS SHOW THE CHURCH
AND SUNDAY SCHOOLS ORE
FLOURlsHING.
PROGRAM WAS GIVEN

The regular review of the lesson of
the past quarter was given in the
First Congregational church last even
ing. The Whitman college stereoptican
was used and pictures were thrown on
the screen illustrating the lessons for
the past three months.
Among the pictures shown were
Minot's Ledge Lighthouse, Jesus the
Sinners Friend, (by Lhemitte.) The
Healing of the Demoniac by Riviere
The Centurion's Prayer, (by Verahese)
The Feeding of the Five Thousand. (bv
Murillo), Jesus Invitation, (by Rob-
erts) The TRANSPORTATION, (by Raph-
ael)
The report for the quarter, April
May and June showed the largest at
tendance in the history of the school,
averaging 2O3. The largest attendance
on any one Sunday was 263. Total en-
rollment was $50. The average offering
was $4.S3, not including the Children's,
day collection. The Sunday school sent
SIS to the Congregational church of
Santa Rosa, California, of which Mr..
and Mrs. George Reading, formerly
tCdCHCI Ill lHC ouIlUdy SCUOOl, are HOW
members.
The attendance for the school year
has been as follows: July to Sept. 1905,
SO; Offering $1,000; October to Deem
Der, 1905, 1863, Offering, $4.19; January
to March, 1906, 102. offering, s425;
April to June, 1906, 2O3 offering, $4S3
Following the custom there were
thrown on the screen the names OF all
those on the honor roll for perfect at
tendance, SO in all, during the last
quarter. Since the honor roll was be-
gun nine months ago five boys and
six girls have had a perfect attend
ance.
The officers of the Sunday school
are Prof. John Woods, superintendent
Prof. Howard Brubaker, assistant SUI
perintendent. Mrs. Josephine Preston
primary superintendent, Miss Cation,
chOrister; Prof. B. H. Brown, secretary,
Miss Ludwigs, pianist Miss Cooper, IL
brarian and Mr. Charles Andersen
usher. The school has four departments
and twenty five classes. There is also
a home department in charge of Miss
Sandt and affiliated with the school is
Tic DlOlS Sluuy CIuU VI WHlCIl MI " y
lie is leader.
The reports from the Sunday school
of the Olivet Congregational church,
Mr.. Hector H. Mclean, superintendent
and the Willow Street Sunday school,
Rev. Otto Muller, superintendent,
showed gratifying progress.
The Sunday school of the first church
will remain open during the entire
summer, and the attendance is contin-
uing at a high mark. Plans are al
ready being made for a splendid rally
Sunday at the end of this quarter in
September.
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02
PERSONAL MENTION,

Mrs. Allen Brynes and daughter Of
Wallula are guests at the Palace today.
N. D. Parks, a well known Pendle-
tonian, is among Walla Walla visitors
today
John and Emory Fathers, prominent
farmers and stockmen of Prescott are
in Walla Walla on business today.
Mrs. ]. w. Margan of Waitsburg is
spending the week with her daughter,
Mrs. F. C. Robinson, SIG E. Alder st.
Among Dayton people in Walla Wall
la today are DR.. F. w. Shultz, George
Price, o. B. Dillingham; and r. Hat
ley.
John Pratt, representing Hennetta
Crossman, the popular actress. is ia the
city. She will appear in Walla Walla
July 7.
c. I. Hall, prominent Thiel station
farmer is in town today. Mr.. Hall says
crop reports in his neighborhOOd are
excellent.
Mrs Frank M. Wolf and son, Rob-
ert Wolf, have gone to their farm
on the White Salmon in Klickit&
county to spend the summer.
Fred Cox is in Walla Walla from
Tonopah visiting his parents, Mr.. and
Mrs Chester M. Cox of Green Park
addition. Mr.. Cox was formerly en-
ployed by the Dean-McLean Abstract
companv. but has been in the Goldfield
mining district for over year.
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02

carpets
patterns. long
conceded excellence fabric
choosing OF
ordinary Importance in furnishing of modern
which il
nd the most and appropriate
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02
Opinions Differ as to .GroWinQ
Crops
HIGH TEMPERATURE YESTERDAY
SENT CITIZENS SCURRYlNG
TO SHADY NOOKS.

Opinion is somewhat divided as to
whether or not yesterdays hot north
wind did any damage to growing crops.
County Commissioner McCaw, who has
about 500 acres of wheat northwest of
Walla Walla, stated that in his opin-
ion yesterdays wind was beneficial to
crops as it had a tendency to tougher
the stalks and consequently aid in
heading the grain. Commissioner Nc
Cav said grain throughout the coun-
ty is too well matured to suffer from
north winds unless they kept up for a
prolonged period and are accompanied
by a high temperature.
Farmers in from the fOothill district
were not so sure about yesterdays
wind not damaging the spring grain in
the heavy land districts, although all
agreed that the damage would be but
slight if any. The wind sprang up
about IL o'clock and blew steadily I'M
til toward dusk. The maximum veloci-
ty registered at the weather office
was Is miles an hour. The tempera-
ture just prior to the storm registered
80 degrees but quickly dropped to SO
degrees about noon.
Yesterday was the hottest day of the
season excepting one day, May 9.
when a temperature of SO degrees was
recorded Ice cream and soda water
parlors were crowded all day with
crowds eager to quench their thirst
with anything that was cold. The in
dividual who has fondness for lager"
paraded the streets heaping curses on
community that enforced the Sun
day closing law and many regretful
eye was cast on the barred doors of
saloons. Many Walla Wallans antici-
pating scorcher spent the day along
the creek banks finding comfort under
the big trees or angling for trout in
some favorite pool.
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02
Appropriate Wed
ding Gifts

The gift question is really a
hard one, but a visit to our cart
certainly will be appreciated. as
Room" in the crockery department,
solves the question. Here is COL
lected a very large assortment Of
Cut Glass, Hand Painted China,
Teco, WedgewOod and other fancy
China and Bric-a-Brac. The large
selection that this affords enables
the donor to find something that
hardly anything is nearer a wOm-
ans heart than a dainty piece Of
art ware.
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02
Artistic Summer Furniture

Of everything that this sea-
son is essential to comfort, the
outdoor furniture no doubt ap-
peals to all as the foremost of
all summer needs. In the selec-
ton of furniture for the porch,
the lawn or the summer cot
tage, consideration should be
given same as regards construc-
ton, comfort and durability. In
the many pieces, which we are
displaying in this particular fur
niture, these qualities are much
in evidence. This gathering of
outdoor furniture embraces Arm
Chairs, Arm Rockers, Settles,
and Swing SetteeS, in green,
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02

This is no time for mirth or laughter.
"Tis the cold grey dawn of the morn
ing after"
There will he no morning after" If
you will carry a box of CALIFORNIA
PRUNE WATERS, and take few be-
fore going to bed. They will fix you
all right and tone you up before
breakfast.
100 WATERS Is CENTS
Sold by L. L. Tallman.
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02
Improved Acme Washer

In addition to being made of
the very best materials through
out, handsomely finished in nat
ural wood. it has number of
special features which are not
found on any other machine.
There is no other washer like
it; there is no other washer
"just as good" as the Improved
Acme.
When the wringer is to be
used the lid is raised and the
wringer stand us pushed into
place directly over the tub,
where it is rigidly held. Then
the extension stand is lowered
and it will hold another tub or
clothes basket on a level with
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02

Eibertha McLearn was celebrated. Only
a few relatives were present Mr.. Hart
Is electrician of the Walla Walla fire
department and has host of friends
In Walla Walla who are extending
congratulations to him. The bride is
one Of the popular and accomplished
young women Of Dayton, where she
has resided for several years.
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02
TOWN TOPICS
Weather Forecast-Fair and warmer
tonight and Tuesday.

Weather Forecast-Fair and warmer
tonight and Tuesday.
Mems CIub-The Mems club of the
First Congregational church holds its
monthly supper at 6:15 tonight. Rev.
H. E. Mason of Dayton will deliver a
lecture on 1.-The Patriotism of Jesus"
Friends of the club, among the men of
the city cordially welcome.
Good Concert Last Night-A large
crowd attended the concert given last
night in the court house square by the
Walla Walla Military band. The pro-
ence was we'll entertained.
New Master observation-disclosures II.
Hazard has been appointed master
mechanic of the Washington & Column
bia River Railway company, vice o.
M. Godfrey, who has been transferred
to the main line of the Northern Pa
cific.
Will Give SociaI-Tonight at the
home of Rev. Sykes, COL Howard
street the Standard Bearers OF the
Young Ladies' society of the Wilbur
Memorial church will hold soap and
towel special. All ladies that bring a
piece of soap and gentlemen who are
supplied with a towel will be admit
ted. The high school mandolin CLUB
will be present and a literary and mu-
steal program will be rendered.
Wood Is Secretary-E. E. Ellis, OF
Seattle, prominent Of therdluetaoinlu
Seattle, president Of the State Sports
mems Association yesterday notified Z.
H. Wood, chief deputy in Assessor
Berryman's office, that he had been
selected secretary and treasurer OF the
association. r. E. Allen, secretary OF
the Northwestern Gas & Electric COM
pany was also notified that he has been
elected vice president Of the associa-
ton The association will hold the an
nual shoot in Walla Walla next &C.
tober.
WaIIa WaiIa Fireman Married-At
the residence of the brides parents in
DAYTON Sunday afternoon the wedding
of Nat B. Hart of Walla Walla and
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02

The original Laxative Cough Syrup
acting as a cathartic On the bowels.
It expels all cold from the system by
is Kennedv's Laxative Honey and Tar.
Kennedy's Laxative Honey and Tar IS
a certain. safe and harmless cure for
colds, Group and whooping cough. Sold
by L. L. Tallman.
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02

Furniture is the kind that built
solid and comfortable
Come in nd how
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02
Hot Weather
Irons

Asbestos Sad Irons are especially
appreciated by the housewife dur
ing warm weather. The handle is
always cool, the hood is lined with
asbestos, which keeps the heat in
the core and does not heat the
hand. AS the ironing is generally
done in the dining room during the
summer the asbestos irons are
again preferable as they hold the
heat a great deal longer than the
old style irons and save many steps
TO and from the kitchen. Come in
and see them.
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02

Improved
superior to other
made write for
tookc called Dave
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02

Young Veterans Defeated-In the
ball game yesterday afternoon the La
Sale team completely wiped up the
ball field with the Spanish American
war veterans. While the boys who
formerly carried the gun showed much
ability to sprint and hit the ball pref
ty fair. they were not there when it
came to stopping balls. The score was
so large and the runs came so fast
that it was impossible for the score
keeper to keep complete record. The
large crowd that attended enjoyed the
comedy, notwithstanding tn warm
weather.
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02

Elect New Ofhcers-At the regular
meeting of the local Bartenders' union
Sunday night the following officers
were elected: John Dunnigan, presi-
dent; Martin Davis, vice president;
John Bryan, recording secretary; jeff
Faucett, financial secretary; Charles
Charter, treasurer; Henry Carter,
chaplain; Frank Lansing, Inspector:
John Clary, guard; Joseph Love. Jess
Harness, N. Hersey, Henry Carter.
Stephen Grimes, Edward Coleman.
Frank Lansing, executive committee.
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02

links the house-mover. Phone 1S46.
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02

That's the story. It's rare opportunity
to replace breakage, to supply needed pieces
to purchase that anniversary gift or party
favor, the more so because of the extensive
assortment-the immense variety, qualities,
designs and decorations which characterize
the Davis-Kaser showing. Over $50 differ
ent and distinct patterns are here, ranging
in price from 10c to $3.50 per pair But
neither the prices nor any description we
might offer would give an adequate idea of
the completeness of the line
We therefore ask you to come and see
1.-THE department is easy of access, either
by the elevator or the wide, easy stairway
leading to main balcony. and you'll enjoy
look through. Besides, you're always well
come, as you know, whether buying or
looking.
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02
CUPS and SauCerS
An Unusual Opportunity in Odd

A liberal assortment of odd fancy China
Cups and Saucers at half price for all of
next week.
All other odd fancy China Cups and
Saucers during next week at one-f fifth or
20 per cent less.
The Evening statesman. [volume] (Walla Walla, Wash.) 1903-1910, 1906-07-02

WaIIa WaiIa Fireman Married-At
the residence of the brides parents IN
Dayton Sunday afternoon the wedding
Of Nat r. Hart of Walla Walla and
Ladysmith news. [volume] (Ladysmith, Wis.) 1906-1907, 1906-11-10
Glen Flora.

C. A. Coon had business at Barron
and other points west this week.
Dick Denman purchased the barber
business of r. T. Hand this week.
Miss Ida Jipson left last Monday for
Weyerhaeuser, near which place she
will teach school.
The Hallowe EN- Carnival was decid-
ed success in every particular. We
regret we cannot take space to give it
full mention.
Mr.. and Mrs. William Brandt, Of
Hampton, Ia, spent several days of this
week with Mr.. and Mrs. C. Wilson, re-
turned home Monday. They were accom-
panied on their return by Mrs. Henry
Brandt, who has been visiting here for
some time.
Mrs. d. w. Maloney and children,
Gerald and Eunice, returned Tuesday
from an extended visit with relatives in
Trempealeau County. While enjoying
the trip highly, Mrs. Maloney was much
surprised atthe great difference beween
the condition of the vegetation in that
section from what it is here. Pastures