davidaulloa/AmericanStories huggingface dataset:
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21

pay no attention to the gentlemanly solici-
tors who are SO anxious for their welfare"
Growth of the Business.
Speaking generally, the growth OF life In
surance in recent years has been of hot
house rapidty. Originally intended as a
protection to widows and orphans, insur-
ance has become a speculation and an in
vestment. The speculative feature in the
opinion OF the officials of the large COM
panies. is certain to be done away with, al
though the simplicity of the system the
easy installment payments, the security
from loss and the variety OF opportunities
offered must make insurance more and
more an Investment for the protection of
the insured In old age and for his depend
ants after his death. Annuities payable in
old age are becoming more and more popu-
lar. There are joint annuities which end
and survivorship annuites which begin
with the death of one of the parties For
many years annuit!es have been the favor
lie form of insurance IN England, where it
is the practice of persons of limited means
TO invest their entire capital in them. thus
placing ii beyond their own reach and Sc
curing to themselves a guaranteed income
for the remainder of their lives. Thus
they obviate the danger OF their capital
being squandered or lost through bad in
vestments. One unique form of policy Is a
double endowment" in which the insured
receives double the face of policy If he sur
wives a fifteen or twenty-year payment
period. IL he dies in the meantime, his
heirs receive only the face of the policy
This is a gamble against an increased pre-
MUM. The insurance company bets a man
the face of the policy that he Will not live
as long as he expects to live. English
companies, although considered ultra-con-
servative, will insure anybody on this form
of policy without medical examination. but
In this country an examination is required
For men in rugged health 1t is the most
profitable form of policy from a speculative
standpoint
1t is now customary for partners IN bust
ness TO insure their lives for the benefit OF
each other or for the firm, which gives
each member of the concern an actual cash
value. Millions of dollars have been In
vested in that way. 1t is also customary
nowadays for men who engage In specula-
tive enterprises to protect their families by
policy OF insurance in case their schemes
turn out badly. Insurance policies are
often issued to secure the payment of mort
cages upon homes In case death prevents
the owners from taking care of them.
Thousands OF policies are taken out every
year on the lives of fathers at the birth of
children, payable when a child is eighteen
or twenty or twenty-one years old, so as
to guarantee ii an education or a little
capital to begin life with. IN the event or
the cbiid's death the policy may revert to
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
LOCAL WATER SUPPLY
DISCUSSED AT MEETING OF So
CIETY OF ENGINEERS.
Disposition of the Mud-Present
Aqueduct Will Reach It's Capac-
ity in Two Years.

The water supply system Of this city was
the subject for discussion at the regular
meeting of the Washington Society of Engi-
neers. held last evening in Hubbard Memo
rial Hall. 10th and NJ streets. Admiral G.
W. Rae president of the association. pre-
sided. and Secretary l.. D. Bliss recorded
the minutes. The next meeting of the So
ciety, to be held March 20, will consider
wireless Telegraphy.'
In the discussion of the water system
Lieut.. E. ]. Dent spoke Of the aqueduct
through which the water Is delivered from
Great Falls to this city. Through this
aqueduct an average of 100000 galloqi
of water passes each day, an amount in
weight three times much as the iron
mined all over the United States In day.
or sufficient water to fill a reservoir twenty
feet deep, covering twenty acres. 1t was
built in accordance with plans made in
1858, and has served its purpose well ever
since.
One of the problems In connection vii h
taking the water from the river is In con-
nection with the mud that Is carried with
the water. 1t is estimated that every year
Zoo tons of mud is received in the con-
duit OF this 4 coo tons are deposited in the
receiving reservoir, $50 tons are left in the
distributing reservoir, 1000 tons are left in
the Washington city reservoir, and the re-
mainder. about 1900 tons, Is served to con-
sumers.
According TO the best estimates. II present
rates of increase In the use of the water
continue. Ii was stated. the present aque-
duct will reach its maximum capacity in
two years. a daily average flow of $4,000.
coo gallons. In February of last year this
average was nearly reached. With the pres
ent aqueduct. all the water being filtered
properly. the capacity will not be more
than S4,000.000 gallons per day. Disregard
Ing fl,n fcr sol r,xrB.i taft
etc. the per capita consumption per day is
10 gallons. This waste must be decreased
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21

have such an efficient insurance department
that an examination by that department OF
every life insurance company receiving it's
charter from that state ought to be salts
factory and accepted by every other state.
This is contamination devoutly to be
wished"
Fifth. THAT there should be full pub
lie accounting of all sources of revenue and
of all expenditures, and that detailed
gain-and-loss exhibit should show the ac-
tual as well the theoretical mortality
cost. the surrender payments the real sur
render values, the reserve liabilities, the
investment income, and all other facts
which may be necessary to enable policy
holders to compare the economy and eff
Gent management of the respective COM
panes."
Answer: 1T is somewhat difficult to un-
derstand what is meant by "a full public
accounting There should. be nothing Sc
cret about the affairs of a life insurance
company so far as the state commissioners
are concerned, and, again, can only say
that we all favor maximum amount of
publicity and a minimum amount of regula-
ton"
Commingling of Assets.
Sixth THAT the insurance superinten-
dents should prevent the commIngling of
the old policyholders' assets with the assets
OF new business
Answer: I'VE do not believe In separating
the assets between old and new policy
holders, but we do believe that it might be
well TO limit the cost of new business. II
this is done, however, In the way suggest
ed It win probably revolutionize the meth
DDS OF practically all the companies and
compel them to pay lower commissions for
the first year and renewal commissions for
term of years unless the doing of any
amount OF new business shall be virtually
abandoned There is no doubt in my mind
that the expense of conducting the life in
surance business, and especially the cost OF
securing new business, must eventually be
reduced. This is. however, much more
easy to talk about than to accomplish. Two
Of the greatest evils in the insurance busl-
ness have been rebating and twisting.
The very fact that agents have divided
Ineir commissions on rev business has
made people doubtful as to whether the
cost of insurance is not too high. and has
been the cause of great deal of agitation
and unrest concerning the matter. 1t ts
always safe to bet that man who comes
TO you and urges you to surrender life In
surance contract that you have held for
years for some new and improved policy Is
not looking after your interests, but is try
ing to get another commission for himself
and pollcyholders should be advised gen.
orally not to surrender Insurance which
they now hold In sound companies for new
tangled policies, but to retain them and
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21

Liberality in Conditions.


Insurance companies are becoming more
and more liberal in their terms and condl-
lions. Restrictions have been lessened,
claims are promptly paid and litigation Is
rare Formerly no one could leave the
country or change his residence from one
section to another without permission, but
nowadays a policyhoder can go any
where. The list of risks prohibited ana
classed as hazardous and extra hazardous
has been greatly reduced as result OF ex-
perience. and, excepting people who go to
live in the interior of China and OF Africa
or in the tropics very little difference Is
made with regard to location. Bartenders
and automobile racers are now the only
persons who cannot secure insurance. or
ficers of the army and navy, soldiers ana
sailors even in time of war, can take out
policies During the war with Spain thou
sands were insured without extra pre-
miums Fremen policemen, members OF
the life-saving service, except those sta
toned at very dangerous places; fishermen
locomotive drivers and hremen, railway
brakemen and others whose lives are con-
stantly in peril secure protection, al
though they are placed in separate Dividend
classes. Men who manufacture dynamite
pay In proportion to their intimacy with
that explosive People who operate their
own automobiles are accepted at ordinary
rates. but chauffeurs have to pay extra PIE
miums.
In my interview with Paul Morton the
other day / quoted him as saying that the
reserve of the Equitable Life Assurance So
ciety was s2o,o000Oo, when 1t should have
read $I0G0o,0o0.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
Annual Dinner Given.

The seventh annual dinner of the MEM
bers Of the executive committee and SUI
perintendents of the District Sunday School
Association was held last evening at the
Luther Place Memorial Church. Mr.. w. w.
MILAN is the president of the association.
Addresses were made by Commissioner
mcfarland, Rev. E. B. Bagby, pastor of
Ninth Street Christian Church: Rev. c. II.
Butler. pastor Keller Memorial Church. Mr..
w Fl. Finckle, superintendent Memorial Luz
theran Sunday school; Mr. Carlton r. Ball.
superintendent First Congregational Sunday
school: Mr.. James e. West, superintendent
of the Mount Pleasant Congregational
Sunday school. and Mr.. William Henry
White Musical and vocal selections were
Edith Stowell, Mrs. S. It. Stearns, Mrs.
John S. Allen and Mr.. I. B. Easily.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
WALKING SKIRTS
Sold I'D to S8.o8.

Balance of our STOCK of
Woman's Winter Walking
Skirts. including Panamas.
cheviots, broadcloths. etc.
in plain colors of brown.
blue and black Made In the
most popular styles. VAL
ues sold as high as $S.9S.
Half a day, S3.9s.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
soc. HOSE, &c.

Stockings of the finest
manufacture for women, in
Guiding plain Isle, gauze
Isle. mercerized Isle. plain
and silk embroidered eff
fects. in all colors. Regu-
lar soc. and CSC. qualities
for DOC.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
$3.50 SPRING
JACKETS, sos.

Women's Stylish Tan Gov
ert Cloth Jackets, hand
somely tailored. collarless
effect inlaid with cloth. Fin
ished with soutache braid
and small self-covered but
tons. Double-breasted box
front effect. Regular $3.50
value for $5.9S.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
SPRING SKIRTS, $500.
REGULAR Sz.sO Value

y
Special lot of Women's
New Spring Walking Skirts,
of fancy mixtures. IN light,
medium and dark shades.
Cut in the latest circular
style; with panel front and
back, trimmed with two
folds at the bottom Reg
ular $3.50 value for s5.9S.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
INFANTS WEAR, I5c

Choice of Little Children's
White Flannel Petticoats.
with waists; also White
Cambria Petticoats, Infants
Long White Cambria Slips
with box plaits down front.
regular 25c. values. Half a
day at 15c.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
zoe. SILKS. roc.

19-inch All-silk Peau de
Cygne-a soft. clinging, lus-
trous quality; in all street
and evening shades; also
black. cream and white.
Regular SIC. Value-39c.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
TABLE LINEN

10 pieces of Irish Satin
Table ID a m a 81 X. snowy
white: strictly ali pure In
en-. close woven: extra
heavy grade; free from
starch or dressing: effective
patterns. Counted cheap at
zoe. a yard. For half a
day. 3ac.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
WHITE HOUSE
COFFEE 2oc

Wright-Dwinnel's renown-
ed White House Coffee,
which every housekeeper
knows and which never
sells under 35c. a pound
anywhere. For half a day
at 29c.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
COMMENTS ON SUGGESTIONS
Statements by Officials of the Big
Companies.
DIVIDEND POLICIES
Proposed Standard Forms of Life In
Observation-Disclosures Of Policy
holders Names.
by WILLIAM z. CURTIS.
Special Correspondence OF The Star and the Chcag
Record Herald.


Record Herald.
NEW YORK. February 90 1906.
I have submitted the conclusions of the
recent national convention of state insur-
ance commissioners to the officials OF the
three big companies In New York and have
obtained some rather interesting comments
upon them. For convenience will take
the recommendations OF the convention seri-
atm and give the comments on each:
RecommeD dation first: THAT the future
issue OF deferred dividend policies should
he prohibited. and that in existing deferred
dividend policies there should be an annual
accounting
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
Ioc. HANDKER-
CHIEFS. &c

W o m rs Pure Linen
Handkerchiefs. with hem
stitched border; also sheer
quality Swiss Embroidered
Handkerchief in new pat
terms. Regular Zoe. values
for &c.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
SILK SUITS, $I5.o3.
REGULAR S22 20 Value

New Spring Shirt Waist
Suits of taffeta silk, in all
the leading shades, including
navy blue, red and green;
also black. Waist tucked
front and back, yoke effect,
with full sleeves and cuffs.
Latest circular skirt, panel
front and inverted plait
back. All sizes. Regular
So. so value for $15.9S.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
I ACES Enc Nd

A fine lot of Plouen Laces,
IN medallion. scroll and
floral effects. Qualities sold
regularly at 15c. and CSC. a
yard, for soc.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
6nc I ACES

The scarce Net-top Laces,
Is inches wide, in white and
butter color. Several new
and desirable patterns. Reg
ular G9c. value for 49c.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
&c. HANDKER-
CHIEFS lie

Mems New Fancy Mer-
cerized Handkerchief, In
ell the latest colorings.
Have the appearance of
silk. Regular 25c. value for
1Jc.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
PROBATION SYSTEM.
Probation officer Copp to Tell About
TT ar Y NJ C. A TONIGHT.

The second in the series or practical
talks on the Juvenile Court Will be given
tonight in the assembly room OF the Young
Mems Christian Association. Zed II. Copp,
the lecturer, will treat the topic THE Pro-
baton system" and Will, as announced
follow the formal address with quiz
or conference on the questions growing
out of the study. The lecture Is free 10
the public, both ladies and gentlemen
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
25c. NECKWEAR,


Women's Tailor-made En-
broidered Stocks. with and
without tabs; also handsome
Venice Lace COlors. Regu-
lar pc. value. Ha.f 4 day
at l2i2c.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
$40 RAINCOATS. SA5o

Women's Cravenette Rain
coats, of fancy mixtures in
dark shades: full length:
extra well tailored; made
with semi-fitted back. Reg
ular so values. Half "A
day at $3.50.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
CHEVOTS. I2IAc

Newest spring styles and
colorings in Bookfold Chew
lots. including the latest
gray. blue, pink. oxblood
and tan stripes and figures;
soft finish. fast colors. Half
a day at 12l2c.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
SI.5o COUCH COVERS
zQC.

Tapestry Couch Covers, in
oriental stripes. full 3 yards
long, and 80 inches wide.
Regular $50 value. Half a
day at roc.
SILK COATS, $o.o8.
Women's Black Peau de
Sole Coats: q inches long;
lined with satin; collarless
style; trimmed with fancy
silk braid. Regular s12.9S
value for $6.9S.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
RTCHING &c

Fine quality All-silk Neck
Ruehing. In white and
colors. Six lengths, in as
sorted styles, IN a box. For
half a day at DC.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
Isc PICTURES

Special lot of Pictures.
framed and unframed. Large
and small sizes. Large va
riety of subjects. Worth 15c.
TO Csc each. For half a
day at &c.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
SII.so JACKETS. Sos

New Spring Jackets OF
English covert cloth. trim
med with stitched cloth
straps front and back; fiy
front. tight-fitting back:
satin lined; collar and small
revers. Regular sl1.JO val
ue-ST.gs
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
CHAIIIS. IOc.

Yard wide Cotton Challis,
in blue. pink, red and green
stripes and figures; ether
styles showing beautiful
Persian designs; the most
desirable material for XII
monos. Half d day at 10c.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
SILK SKIRTS, SI5.oS.

~ O'tN
Special lot of Women's
Handsome Black Tafeta
SILK Walking Skirts. in the
newest circular effect: sin
gle-plaited front and back;
trimmed with three folds at
the bottom. Regular $3.50
value. for s15.9S.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
Sc ENIRY u

A new lot of Swiss, Cam
brio and Nainsook En-
broideries. Edges and In
servings, I'm widths up to 4
Inches. Regular Sc. value
for &c.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
&c SILKS &c

2I-inch White Natural
Japanese IIabutai. a close.
firm woven quality that
launders beautifully. Reg
ular csc. value for 4Sc.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
s. WAISTS &c


Ten styles of Lingerie
Waists, made of sheer quail
ity white India linon and
Persian lawn. Handsome
all-over embroidery trim
mings and all-oYar cnbrojd-
cred effects. Soma with en-
broidered panels, combined
with dainty lace Insertions.
Others pointed embroidery
yoke effect. combined with
lace trimmings. Some hand
somely stripped with en-
broidery and clusters Of pin
tucks. Made with the latest
model sleeves ana stocks.
Sizes up to A. Regular 500
value. Half n Day for CSC.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21

Excellent Quality Mani
cure Files, in various sizes.
Choice of flexible or rigid
kinds. Regular 15c. and
19c. values for half a day
at Ice.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
UMBRELLAS. 02c

Values worth up to So. 50
% and 2S-inch Piece-dyed
Taffeta SILK and Silk Gloria
Umbrellas, steel rod and
paragon frame. with a great
variety of handsome han
dies. Values worth as high
as $3.50, for CSC.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
oSc. UMBRELLAS. 4oc

i =, l. IL ~ 4OA
% and 2s-inch Umbrellas:
steel rod and strong frame:
covered with good. durable
quality black mercerized
gloria: guaranteed rain
proof; big variety OF han
dies, including natura
wood. plain and fancy trim
med horn. bone and novelty
metal effects.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
&c HOSIERY II.

SA. IIo.oI LIN L -.
Big lot of Hosiery of all
sorts for women, misses and
children; plain cotton, mer-
cerized. Isle and cashmere.
In black and all colors.
Regular DC. value-for lie.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
HOSE SUPPORTERS.
IQc.

Worth 25c. and CSC.
Women's Straight front
Hose Supporters, with large
MORE pad; four straps OF
plain or fancy frilled elastic;
patent covered buttons.
Regular 25c. and &c. val
ues. Half a day at 19c.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
PENS oILc

Best quality steel Pen
Points, in all sizes and
shapes. Sold up TO Zoe. a
dozen. Half a day at 2lkc.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21

Superintendent E D. Hardy Iectured on
the filtration plant. II will say positively
that any d1strust that the water from the
taps Is unwholesome is absolutely wrong -
he said, in opening. THE plant is doing
very Well, In spite Of rumors TO the CON
trary, and any reports that It has failed TO
hitter the water are false. There are two
experts who work in Analysing the water
from the reservoirs and plant every day
and they find that the bacteria tests are
satisfactory. In December and January
when the water looked muddy as it was
received from the taps, the tests We're con
tnued, indicating that the water was good.
FOR every nifty tons Of mud received in the
conduit at Great Falls only one ton remains
after filterng"
In the five months that the filtration plant
has been running ii has been found that 1t
costs 81 per 100000 gallons to filter the
water. considering all incidental expenses.
Many stereoptfcon views of the new plant
and how it was constructed were shown.
e. f. Longley, assistant superintendent,
spoke on the purity of water supplies and
the improvements and methods that have
been obtained In an interesting table he
gave the percentage of typhoid deaths from
water derived from various sources. This
was as follows:
No. OF Percentage Of
cities. Source Of supply typhoid deaths
q. Pure mountain streams. .......... 40
T.. Surface waters in storage reser- %
No fi- rivers. pollution aarotlced. 2s 81
T.. Upland streams and small lakes. 80
H.. Polluted streams. including Wash
ington. Observation-Disclosures. COS
7....Great lakes. polluted by cities
themselves ..---...--......... S0-3
Great improvement has been noted I'm the
health of a community after improvements
in the water supply. An average of several
cities figured and the typhoid deaths
were reduced from Sc per 100000 peop'e be-
fore Improvements to 20 deaths after the
improvements. The general health was also
found to have been improved, for the num-
Der of deaths from all causes was 2,440 be-
fore the Improvement in the water supply
and only 1870 after the Improvement This
can be partially attributed, IL was said, to
the water.
In conclusion Mr.. I.ongley discussed the
mechanical and the slow-sand filters, ex-
pressing the opinion that for safety and
general economy. the slow-sand filters had
q slight advantage.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
&c. STATTONFRYIoc

Real Irish Linen Writing
Paper. containing 124 sheets
to the package. Actual
value. &c. Half a day. 10c.
Envelopes to match, PIC
package.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
MEMS SUITS, $3.50.
Worth IN m err

Mems Suits of Fancy
Worsteds. Cassimeres, Chev-
lots, Novelties and Plain
Grays. in single and double
breasted styles. Sold up to
SIS. 90, for $3.50.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
REFERS. oSc,

Special lot of spring weight
Refers for little children
from 2 to 6 years old. Some
with capes. Neatly trimmed
with braid. Choice of blue,
red. brown and green. Half
a day at CSC.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
ST. SPREADS 60

Our regular one-dollar
Spreads, in handsome Mar
settles patterns. Offered for
half a day at 69c.
Fourth fioor.)
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
$40 RUGS, $Io.z5.

A special lot of best grade
Administer Rugs, size 0 by II
feet. In rich color designs.
Regular $1,000 value. for half
a day at 1919.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
I212c. CURTAIN

SWISS, INC,
Yard-wide Curtain Swiss,
in variety of neat figures
and dots. Regular 1212c.
quality. Half a day at 7ac.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
nc. PITCHERS.

Stone Pitchers, i'm various
colored decorations; holding
three ptnts. Regular Zoe.
value. For half a day al sc.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-02-21
WONEN'S VESTS.

Special lot of WoHen's
Gauze Vests, finished with
tapped neck and arms. Rem
brandt ribbed. Extra sizes.
One day at loo.