davidaulloa/AmericanStories huggingface dataset:
The Spanish Fork press. [volume] (Spanish Fork, Utah) 1902-current, 1906-02-15
braverY in Truth Telllnq.

10 tell the truth at all times re-
;eu'res as much bravery as was ever
IeAperienced upon the field OF battle,
amid the glitter OF cold steel and the
3.stue of musketry. OF all the val
',ant men and women in the world,
iet MIN or her be chief who dares to
.,eh The truth!-Dr. Madison G. Pc
Hers.
The Spanish Fork press. [volume] (Spanish Fork, Utah) 1902-current, 1906-02-15
mo.h..s. Don't Forget That

children who are brought up to
sleep with the bedroom window open
a wee bit never catch cold Win tne
ease that cooped-up chicks acquire,
There is an old proverb which says
that where the sun does not enter the
doctor must, and, like many otner
sayings of the axiom kind II mas d
Grain of truth at the bottom.
The Spanish Fork press. [volume] (Spanish Fork, Utah) 1902-current, 1906-02-15
Mice Made Home in Potato.

A Danbury, Conn, druggist had
prize potato which he kept in his
back shop. The other day he discov.
cred that the interior of the potato
had been gnawed away and that
family of young mice was snugly set
tied within the shell.
The Spanish Fork press. [volume] (Spanish Fork, Utah) 1902-current, 1906-02-15
Catch Eroas for Market.

Several young men OF Clyde. Pa.
near Philadelphia. have been engag.
ed in catching and shipping frogs to
the city market. The business pays
those engaged in 1t from So to 80 a
day. From sixty to $50 pounds of
frogs legs can be secured daily,
which can be readily sold for fifteen
cents a pound
The Spanish Fork press. [volume] (Spanish Fork, Utah) 1902-current, 1906-02-15
Sly Crack at the Librettists.

When man gets off as his own
a joke he read In a paper, without
icing caught he thinks he ought to
write a comic opera.-New York
Press.
The Spanish Fork press. [volume] (Spanish Fork, Utah) 1902-current, 1906-02-15

| know. | had
eye trouble, back.
ache. cat c h e 8
when lying abed
or when bending
over, was languid
and often dizzy
and had sick
headaches a n d
bearing d W n
pains. The kid
n ely secretions
were TO cOnio,is
The Spanish Fork press. [volume] (Spanish Fork, Utah) 1902-current, 1906-02-15

and frequent. and very bad in appear
ance. 1t was in 1903 that Doan's Kid
ney Pills helped me so quickly and
cured me of those troubles and I've
been well ever since"
Sold by all dealers. so cents a box.
Foster-Milburn Co, Buffalo, N. Y.
The Spanish Fork press. [volume] (Spanish Fork, Utah) 1902-current, 1906-02-15
True Friends.

True friends visit us in prosperity
only when invited, but In adversely
they come without invitation -Theo.
rhrastus.
The Spanish Fork press. [volume] (Spanish Fork, Utah) 1902-current, 1906-02-15
DEATH SEEMED NEAR.
How a Chicago Woman Found Heir
When Hope Was Fast Fading
Away.

Mrs. Il. T. Gould, 91i w. Lake
Street Chicago, ILL.,, says; "Doans
Kidney Pills are all that saved me
from death of Bright's Disease. that
The Spanish Fork press. [volume] (Spanish Fork, Utah) 1902-current, 1906-02-15

We'll, That's Only His Fair Share.
When mother puts up preserves,
father puts up the sugar,-Boston
Home and Abroad.
The Spanish Fork press. [volume] (Spanish Fork, Utah) 1902-current, 1906-02-15

w. N. ", Salt Lake-No. 7. 1905
The Spanish Fork press. [volume] (Spanish Fork, Utah) 1902-current, 1906-02-15

When Answering Advertisements
Kindly Mention This Paper.
The Spanish Fork press. [volume] (Spanish Fork, Utah) 1902-current, 1906-02-15
PATENTS for PROFIT

Desk Calendar FREE. Highest reference s
Communications confidential. Established 1861.
The San Francisco call., 1906-06-17
KEEP THE CITY CLEAN.

Delay IN the cleaning up of debris on the main
streets of the city viii give setback to property
values and the time for temporizing with delin-
quents has passed. Where buildings are being
erected 1t is difficult to keep the street and side
walk clear, but where nothing is being done in the
building line property-owners should be compelled
to clear away the piles Of bricks and rubbish so
that the business center Of the town can resume
Its normal traffic
Too much patience has been observed with those
who have made slop cutters of the streets and lit
tered the sidewalks with decayed vegetable matter
and all kinds of dirt The police force has not very
much TO do at present and if the Board of Public
Works will say the word the police can coureously
but firmly insist that offenders against public health
cease to make eesspool of every corner sewer and
a swlll tub Of the street cutters.
While we are boiling water and taking other pre-
cautions to keep the health Of the city good we are
overlooking the very important necessity of Kidding
the unburned well the burned district of trash
Piles of sand, of old bricks bundles of greasy
paper are scattered everywhere There is no ex-
for this, for all men of San Francisco know
that is Of great moment to the city to present as
attractive an appearance possible at this time
Outsiders will not interest themselves in us as long
they think that take no interest in ourselves.
The San Francisco call., 1906-06-17

which fell a sacrifice to the elements. She was not,
like many other American cities only sober and
practical but she was beautiful: southern splendor
enveoped her and the harsh repose of her northern
lines served only to make her picturesque.
Here the rich people had their dwelling places, and
here pulsed life kaleidoscope and veriegated in
character
Other European periodicals than ssDie Garten-
laube' call attention to San Francisco, in which
brilliant beautiful = gay" and other adjec-
tives freely employed to express the foreign
estimate of this city The disaster has brought out
to the fact of which we were before but vaguely
cognizant, that all Christendom considers us the
gayest most lghtheared and least mercenary of all
the American cities
1t IS good reputation to have and it is to be
hoped we will live up to it in the San Francisco
which we are now building And there can be no
doubt that we shall Although our buildings have
been destroyed the same people still here, and
1t is the quality of the people, not the buildings that
gives the character to the town w shall still be
the same gay, brilliant and ghthearted San Fran
cisco before the fire. with the sole difference that
our material city itself will be more beautiful than
the old one
The San Francisco call., 1906-06-17
CITY OFFICIALS NEED BETTER QUARTERS

The demand made by the Century Club that
the Mayors office vacate the quarters which it has
occupied at Century Hall since the fire brings the
fact squarely before the people that the officials
OF the city are badly scattered and poorly provided
for After the fire the Assessor, Auditor, Tax Col
lector and City Attorney secured quarters on Sac
ramento street near Fillmore the Supervisors.
Coroner, Election Commission and Justices Clerk
at Grove and Laguna streets: the Board of Health
at schoolhouse Turk street the District Attor-
ney, Sheriff and County Clerk at California and
Webster streets; the Treasurer at the James Flood
building and the Police Department on Sutter
street, Cough. The other county officers are
scattered from end of the unburned district
to the other
The quarters in which the officials find them
selves are generally Inadequate to the needs of their
offices Scattered the several departments are not
only the officials and their deputies put to extra
labor and the city to increased expense but citizens
who have business with the city government suffer
great loss of time, Inconvenience and ANNOYANCE
by being required to tramp from one office to an
other. Now the Century Club. wants the hall that
Mayor Schmtz has been occupying since the fire,
and the public that has just succeeded in getting
the Mayor S office located will IN all probability
have to get accustomed to some other locality
AT best several years must elapse before the new
City Hall will be ready for it's tenants Until then
the city officials must continue in makeshift quar-
ters but the Inconvenience that this means for both
officials and public should be reduced to the mini
mum If possible the several departments should
be housed in one building, at least in one To-
cality Then, too the quarters should be secured
for the period during which the new City Hall will
be IN of constructions that all unnecessary
expense of moving and the confusion that will be
attendant upon 1t may be avoided. Suitable quar-
ters once secured they should be properly fitted up
to meet the requirements of the departments
The San Francisco call., 1906-06-17
: The Uncertain Basis of Fire Insurance.

Each year when the report of the
State Insurance Commissioner is pub
lished, much attention is given the ap-
parent gains of those engaged in un-
derwrlting fire risks. The reports
snow, for example, that for the twenty
years ending December 81, 1904, years
in which no great fires visited the
State, the insurance companies paid
oack as losses to their California
patrons about s44.70 for every 500
which they collected as premiums The
tendency on the part of those who pay
| the premiums is to look upon the
| unaceounted for $3.50 as profit for the
companies.
This is an extreme view which fails
to take into consideration the neces-
sary expenses which the companies in
cur in conducting their business. The
exact ratio of expenses to premiums
collected cannot, of course, be had
some place it as high as so per cent,
others as low as so. The first estimate
would make the companies doing busi-
ness In California pay out an average
of S104S0 in losses and expenses for
every 500 collected as premiums. net
| loss of $3.50, or, on business involving
premiums amounting to approximately
s10,000,000 annually, a loss of $4,000
a year. The second and lower esti-
mate, so per cent, would make them
| pay out of every 500 collected as
premiums S94.S0, leaving them $500
profit, or 100000 where the premiums
amounted TO $10,000,000 a year, as has
been in the case in California for sew
eral years. In 1904. for example. the
latest figures at hand, the people of
the State paid premiums to the amount
| of s1O,104.033.49.
But whichever of the estimates is
approximately correct. the figures show
| that the operating machinery of fire in
surance is tremendously expensive, 50
| expensive, indeed, that even in years
of small losses. leaving aside all ques-
ton of dividends, practically nothing
| is left to meet the er-threatening
emergency of overwhelming disaster
] such as has come upon San Francisco
| In fact, all the premiums paid in the
whole State of California for the
twenty years ending December 81. 1904
amounting to $125,170.S51.70. applied to
the payment of the losses Incurred by
this one fire, would fall short By $780,
100000 of meeting the liabilities of the
! underwriters. On such a showing it
is readily seen that as fire insurance is
at present conducted. no company, or
combination of companies. can main
tain reserve TO meet an emergency
that any moment. in any part of the
world where insurance is known, may
come upon it.
How true this is is shown by a state
ment made to the writer by a well-in-
formed insurance agent. AS general
thing" he said, the San Francisco fire
wiped out all the surplus, all the fire
loss reserve and one-half of the apital
stock of all the companies doing busi-
ness in America"
On this statement practically every
The San Francisco call., 1906-06-17
BY FRANKLIN HICHBORN.

fire insurance policy held in America
was affected by the San Francisco fire,
leaving policy-holders from one end of
the country to the other more or less
in a state of uncertainty. Not only
is this true of American policy holders
but of thousands and tens of thousands
of policy holders in foreign lands.
Such interests are too universal, too
enormous for their soundness to de-
pend upon the integrity of a trunk
water. main of single city. Nor was
San Francisco the only cityin the world
liable at any moment to be placed help
less before great confiagration be-
cause of a bursting water main. Only
a week ago Cincinnati was for a whole
night shut off from it's water supply
under much the same conditions as pre-
vailed here. The starting of several
fires, the coming up of high wind
and the tremendous fire losses suffered
in San Francisco with the attending
liability of underwriters would have
been duplicated at Cincinnati. On such
unstable basis does the institution of
modern fire insurance rest.
From the very nature of fire insur-
ance it can never be figured on a
scientific basis as is life insurance. In
life insurance the premiums exacted
are not the result of guess work but
are based on exact data. Of 1000 in
sured the companies know with start
ling exactness the number that will
die the first year that their policies
run, and so on until the death of the
last of the 1000. The element of risk
and therefore of gamble, is largely re-
moved in life insurance. But in fire
insurance it is all risk. and therefore
all gamble. After a great fire prem
iums go up, and in the years that fol-
low, in the heat of competition, go
down again. But there is no correct
basis of advance and no scientific rea-
son why they should go down Fire
insurance as at present conducted is a
gamble so long as it remains on its
present basis it must continue to be.
But with the development of modern
business methods fire Insurance has
become a commercial necessity 1t
enters into practically all business
transactions. Stocks of goods are sold
with the understanding that they be
kept insured against fire loss; loans
are made upon contracts that the
pledged property be kept insured. 1t
enters into the daily life of each of
who never thinks of insurance is as
much interested in the soundness of
the insurance of the ranch house 500
miles away upon which the banker has
loaned the depositor's money as is the
farmer or the banker. This being the
case, neither deposition. banker or
farmer, nor the insurance companies
themselves, for that matter, can afford
to leave the stability of the fire in
surance OF the world depending upon
trunk water main of some city per-
haps across the continent and maybe
But how can fire insurance be placed
on a better basis? How can assurance
The San Francisco call., 1906-06-17
BY JAMES S. TYLER.

would be complete change in the
construction of wharves and bulk
heads, and the completion of the sea-
wall was promised at near date.
1t would seem that the growth of
San Ffanciscos shipping dated from
the day when the last supporting beam
of the old depot was struck away.
carrying with it the handless faces of
the d-time clock. Trade with the
Orient, that had Jagged too much for
our good, began to look up. and the
growth of the city steadily encoura ged
the lumber industry. The Coast Sea-
mems strike the formation of the
Shipowners' Association and the strug-
gle between the two factions that fol-
lowed did not deter San Francisco
from pursuing the policy OF trade ex-
pansion.
The strike ended and San Francisco
again leaped forward to the great
trade battle. The ferry depot grew and
grew, and north and south of it new
docks Were built and yet there was
the repeated complaint Not enough
dock room: ships have to wait in the
stream too long" l can see Dan Has
kell from the pilot-house of the Fear
less and Captains Gray and Harvey
from the little rickety balcony of the
Red Stack office looking sour as a Sal
vador lemon because so many craft
midday while two big fleets of tugs
We're chafing their tenders to pieces
alongside the wharves.
The new clock went up in the new
ferry tower and operated in a happy
go-lucky sort of way because the
winds dallied with its long thin hands
as they would with the fans of a
windmill The clockmaker corrected
this, and before Dewey sailed into Ma
Mia Bay and destroyed the Spanish
fleet our old friend. Captain Dunleavy
of the harbor police. used to look visit
fully up at the tower and say. We'll,
it's time something was doing on the
front It's getting dull
In truth there had been somewhat
of period of depression just prior to
the war, but San Francisco-always
garded a slight falling
off of income in a light that would
seldom have reflected anything like
dull times to other cities. The brief
slackness of business did not last long.
and one day Secretary Emery Of the
Merchants Exchange Che died some
The San Francisco call., 1906-06-17
=. When the Old Ferry Clock Came. Down.

Twelve years ago today the begin
ming of great change in the charac-
ter of the water front of San Fran
cisco drew attention through the ferry
depot clock. 1t was not the great
clock of the tall tower that went spin
ming to the bad when the earthquake
shook its weights and cogs, but the
little old timepiece that had for nearly
thirty years pointed the time for the
bay travellers.
Today another epoch of history is
about to be added to the long and in
teresting story of our docks, and when
Father Time again perches aloft he
Will have given the starter for siren
uous race against adversity. Adver-
sity will have lost out long before II
shall have become time to replace the
rehabilitated clock that is to resume
its place in the rebuilt tower
Between the days of the old clock
and those of the new much has hap
pened in the evolution of our trade by
water. When the worknnen welded the
hammer and crowbar on the rotten
timbers of the low, ill-smellinG ferry
depot of 1894 the sailing vessel was
in its prime. The easily manned
| many -derricked steamer was not fire.
quently seen in harbor except when a
tramp from the South or Central
American coast dropped into the chan
mel to cause CONSERVATION In the Pa
cifc Mail Offices. Schooners often in
vaded the Mail line territory, espe-
cially on the Central American coast
and the three nlasted Falcon was a
thorn in Mr. Center's side. South Sea
island traffic was the source of much
interesting comment with such men as
BILLY" Hart and this old-time water
front reporters. and it was for about
four years that this source of roman
tic sea yarns was at its greatest out
put.
When the old ferry clock came down,
soon after standard time was given the
Pacific Coast from the National OBJ
servatory at Washington, Farson
Leach 8, Co. of New York had negoti-
ated for the purchase of the depot
bonds which the State had advertised
State engineers had prepared their
plans for the building of the new ferry
depot. East street. from Jackson to
Market was sorry looking sight,
what with the heavy hauling and the
lack of money to keep 1t In proper re-
pair Word went forth that there
The San Francisco call., 1906-06-17

be given the insured that regardless of
what may happen. whether a dozen
San Franciscos burn, the value of his
policy will not be impaired? And how
can his premium be fixed so that If no
great fire occur in a century unneces-
sarily high rates to provide for an
ever-possible contingency will not be
exacted of him? These are not ques-
tions to be decided offhand. But they
are of tremendous Importance TO every
property holder, be he living in San
Francisco or New York. Those VINO
have compared the haphazard life in
surance of half century ago with the
scientific life insurance of today, life
insurance so exactly figured that one
of the greatest financial scandals in
history failed to shake it, do not de-
spair of the ingenuity of man TO place
fire insurance. difficult as the ques-
tions involved are. on as firm a basis.
AS one possible solution of the prob
lem. the people of New Zealand are
trying state fire insurance The Gov
ernment of New Zealand does not aim
TO drive private insurance companies
from the field. or even to unduly re-
duce rates. 1t does. however. write
fire insurance at what it considers fair
premiums, leaving private companies
to cut rates, if they like, below what
is deemed reasonable. The Government
office is, of course, relieved of the
heavy expense of commissions to
agents. which is so important a factor
in swelling the expense accounts of
private companies, an expense by the
way, due largely to keen competition
between Vie companies. The Govern
ment office, too, returns to the insured
half the profits of the business. re-
serving the other half to strengthen
the Office. The Government writes no
insurance outside New Zealand In the
event of disaster such as has come
upon San Francisco the loss, so far as
the loss of the state insurance office
is concerned, would be borne by the
whole country. 1t is question
whether a private institution able to
stand such a loss can grow up within
a state, certainly not the institution
of fire insurance as at present con-
Quoted On the other hand a policy
underwritten by the Government of
New Zealand has all the backing be-
hind it of a Government bond Nor is
it at all probable that any fire or
series of fires in New Zealand will ever
bankrupt the Government or even seri-
ously inconvenience 1t.
There is, of course. much that may
be said against Government fire insur-
ance: thousands in New Zealand prefer
to insure in private companies and are
doing so; private companies continue
to do a thriving business in the island;
as has been said. New Zealand is only
experimenting. But if it can point a
way out of the uncertainties of an in
stitution in which the interests of
every other man one passes on the
street are directly orr indirectly
wrapped up. the island government
will have earned the gratitude of the
business world.
The San Francisco call., 1906-06-17

years ago. mourned by scores of
friends) adjusted his glasses, and in
his typically calm. unimpassioned way
watched Jerry Daley mark on the ex-
change blackboard, Dewey has sunk
the Spanish fleet"
That was a great day in the history
of San Francisso's water front. There
was perceptible hustle. There seemed
to be something in the air that made
us breathe of war-and of business
We could sniff it, and some of us
shifted it more than others and made
the money while the rest of us were
paying more attention to ozone than
opportunity.
San Francisco's trade became as un-
manageable as an unruly colt. 1t went
by starts and plunges. 1t kicked over
the traces and went wild in efforts to
get chance to control it. The Gov
ernment dumped millions of dollars
into the Golfers OF local merchants. and
the entire Water Front Federation was
required to handle the merchandise
that was being hurried to the Philip
pines. Transports were chartered
troops were sent out. and the commits
saries and quartermasters kept the
stores and factories busy.
Beyond the line of docks the city was
looming up big and strong She was
in the transitory stage. shaking off her
humble frame walls and looking about
for steel and stone. Big buildings
peered over the tops of low ones and
seemed to be looking with their win
dow eyes toward the West whence
had come all this great boom for
the coast. San Francisco was be-
coming a metropolis and attracting the
attention of the entire world
The Spanish war ended but San
Francisco marched on.s The restless
ness of her spirit was not soothed by
the peace of nations Her trade ex-
panded TO the remotest island of the
seas. and capital and enterprise
walked with her hand and hand
To be sure, we look today upon the
ruins of our business district and we
grieve over the loss of our landmarks
But our harbor is still here. and our
docks and our ships. Who shall say
that when we note the hour and min
ute in the ferry tower again il
will not be the beginning of new era
in San Francisco's commercial prog
ress just as in the days when the
ancient ferry clock came down?