davidaulloa/AmericanStories huggingface dataset:
The morning journal-courier., 1908-11-02
AEROpJANES TO RACE.

First Free for-Ail in This Country.
 Golf Tourney at Atlantic City.
 Golf enthusiasts are looking for ward to the annual fall golf tourna- ment of the county at Atlantic City which begins Thursday and continues throughout the week. The tournament Is open to members of clubs belonging to the United States Golf association. What promises to be the first free-for- all five mile aeropane race in this country is scheduled to take place at Morris Park race track, near New York, on election day. The race will be held under the auspices of Aero nautic society and any class of flying machine is eligible Thursday night in Paris the aero club will give ban quet in honor of Wilbur Wright, the American aeroplanst, at which the clubs 1908 medal will be presented to Mir Wright,
The morning journal-courier., 1908-11-02
MONARCHs WIN io TO 5.
Trim Crcsrcnts in Lively Sunda,
 Game.


 fThe strong Monarch football eleven trimmed the husky Crescents aggre- gation yesterday afternoon at the Monarch athletic field The game was played in very fast style, many brilliant plays being pulled off Glea- son, Daley, Kroll and Willis of the Monarch and Fox of the Crescents, played star games. Stockoff, fullhack for the Monarchs, also played we'll. hitting thc Crescent Inc time and time again, going through for big gains. Fox was the real live foot ball player of the Crescents. making the only touchdown for the Crescents. The Monarchs have very strong bunch of football players. and would like to challenge any 125 ID. team In the city or state. Daley, who has the reputation of being the best amateur quarterback in the state, is very fast man on his feet.
 Next Sunday the Monarchs will in dulge in a lively contest with the strong Continentals of this city The line mp of Monarch consisted of Ends. Gennty and Raribault; tackles, White and Brinkman; guards, Grove, Kroll; centers, Grishar and KrosseE quarterbacks, Daley and Lawler; backs. Gleason, Stockoff and Wills.
 The t'rescents consisted of: Ends, Fox and Muscles, tackles Nolan and Driscoll; guards, Now London and Dorothy; center, Newman. quarter back Mexican; backs Ellis, Savers and Smith
 Summary. Touchdowns, Stockoff Krooll and Fox; goals from touch down. l<roll and stockoff; time of halves, 20 and 15 minutes refrees. Anderson. Hunt and Foley lines men Charlie kriss Saranson and Hen ry Arville Hoarn. Dwyer and Rourke held the famous wire Address all communication to John r. Lawler, 2s7 James street, New Haven,
The morning journal-courier., 1908-11-02

of the Knescl quartet, He is one of the finest 'celists on either continent to-day. For the second concert the sooist is to be Miss Augusta Cottlow, the young American pianist over whom Worcester went fairly wild at the last festival early in october
 The soloist for the third concert which Is to have a Beethoven pro- gram, is Miss Olive Mead, first vio- linist of the Olive Mead quartet. Miss Mead's concerts in New York every season are recognized among the best chamber concerts given during the season. Her quartet is seriously ac- ceptcd by the highest musical authorl- ties in New York along with the fore most organizations of this character Famous vocalists will be heard at the last two concerts in the series
The morning journal-courier., 1908-11-02
Mrs. NIargnret Hayes.

In of Margaret. widow of Patrick occurred at her residence, 12
 street Saturday morning The Jed leaves two daughters, Mrs, bee D. Donahue and Mrs John hn one son. Henry Hayes, and lgrandchlldren
 'aral will he held from her late hce. l2 Alton street. Wednesday
 Ing, at S,3G. and with a solemn |in high mass at St. Francis
The morning journal-courier., 1908-11-02
BLUES WIN il TO b.

The Blues took fast and exciting game from the Mt, carmel aggrega- tion on the latter'H field yesterday by a score of l1-5 Johnson and Glynn scored the touchdowns for the Blues while Hughes put the ball between tho posts,
 Mt. Carmel's only score was made on a fumbled forward pass on the Blues forty-yard line The Blues lined up as follows: Left end, Burke and silammus left tackle Waters left guard, O'Brlen center Farrell, right guard Reynolds; right guard McGrath; right end, Johnson; quarter back Collins; right halfback, Glynn Gallagher, left halfback, Healy; full. back, Hughes, Referee, Sullivan; time of halves 20 minutes.
The morning journal-courier., 1908-11-02
GT7fE CLUB WINS.
Plays Bridgeport Films to Stand
 still

still.
 The Glee club played the Ems of Bridgeport yesterday at Lighthouse Point and won in q very one-sided game by the score of 21 to O. Although the Films players outweigh the Glce boys they were lost when the Glee club used their trick plays VI Cnhil and Ferguson were the stars while the playing of Kearns Mofflt and Coden was also good Tho lineup of the Glee club; VI. Cabil left end Me- Manus, left tackle; Ferguson. left guard; Moffltt center; Armour and Glowcy, right guards; Kearns, right tackle; Phelan right end, Coden and Martin, quarterbacks Frechctte, left halfback; Krlleher right hGaback: ]. Cahill, fullhack The touchdowns were made by Cahil 3, M. Cahil 1, Kelle- her ?; goals from touchdowns ! ca hill 1.
 Next Sunday the washington Glee club will play the fast Clinton eleven al Lighthouse Point,
The morning journal-courier., 1908-11-02
.BITUARY NOTES
Mrs. Jnnc |. snrncrr.

Jane E. spencer. widow of the Christopher Spencer, died ar her
 in Guilford saturfFy morning, Spencer was well known in Gull where she had resided for many
 She leaves three sons. Fred 8C, Edwin r and Walter IT. seral services will bc held from \ te residence this morning at 10
The morning journal-courier., 1908-11-02

The number of women elected to of- flee in 'eand during the present year is source of much satisfaction to the advocates of equal suffrage. Five women-Mrs. l A. Barr Mrs Griffin, c. beake Gri1in--were elected as urban district councillors and poor law guard. fans, twenty of them for the first time Forty-three were elected as rural dis trict eounclIors and poor law guardians twenty of them for the first time. AS than 1o8 women elected during the summer alone The Irish Women s Suffrage association held a brilliant meeting in the Mansion house in Dub lin by permission of the mayor in the first week in September
The morning journal-courier., 1908-11-02

A scientist has made calculation about the time 1t win take to i'll the The present population of the globe Is supposed to be about 1 467,0O0,000, and the estimates that the maximum of the inhabitants that can be sustained on the entire land surface of the earth Is 5.o94O0O00O and this figure will be reached A. D. 2j72, or in about iS0 years at the present ratio of increase, which is 8 per cent. decade.
The morning journal-courier., 1908-11-02
church at o'clock. Interment will be In St. Bernard's cemtery
Annn G. Ki!lian.

The death occurred Saturday ot Anna Gertrude Kilian, daughter of William and the late Helen Ki'lian Funeral services will be held from her fathers residence. 422 Blatahloy ave. rue to-morrow morning at S:30 o'clock and from st Francis church at 2 o'clock where requiem high mass will be celebrated
The morning journal-courier., 1908-11-02
DIR. JOHN M1LLAR MOORE BACK

New York, Nov IA passenger on board the steamer New York from Southampton and Cherbourg, which arrived to-day was Dr. John Mllar Moore, once a surgeon in the Mexican navy, who has been confined for sev- eral months in public asylum at Vile Evrard France.
The morning journal-courier., 1908-11-02

We point with pride to our line of meats of all desirable kinds.
 Whatever you like In the meat line we have, and it's sweet, ten- der and juicy.
 We are headquarters for strict ly fresh grown vegetables and fruits right through the year.
 Always there may he found in our store the finest groceries at the most moderate prices.
 First of all. you want to he sure that everything is pure; then that It Is absolutely clean md sold ina cleanIy appetizing way.
 All these things are assured when you buy them here.
The morning journal-courier., 1908-11-02
DE:A I tIS.

NP-ln this city, october 3t, 1908, slel Y Bishop
 ', services will be held at his residence, No. S97 Howard ave-
 Ion Monday afternoon at half past flock Friends are invited to atr u2 lt FER Guilford, Conn, october < 90S Jane E. Spencer, widow of
 .stopher Spencer.
 hl services will be held at her
 sresidence, Monday morning, No- Ioer ?. at 10 o'clock. n2 1t
The morning journal-courier., 1908-11-02
gEs,,Erys,,ssrr,TTEyw'E.EEsggs.Ey,E1s!sg,wNMs

if expense incident 'o funeral scr- t mnn3 times T henvy burden, oc- Ma as it often does unexpectedly lgtcr long periods Df illness. Tt |.
 Fsirc to hc known as considernte K chnrccs. and especially thought .
 the many cnres md rrspopsIblIi- ONhlrb wc must necessarily assume lfh orcrHiors. IMAM .s HAYES, 1098 Chapel st. M
The morning journal-courier., 1908-11-02
Sn,nncl Bishnn.

nral services for the late samuel 2 will be held at his residence. oward avenue. this afternoon at
 clock. Friends are invited 10 at
The morning journal-courier., 1908-11-02
YALE PROFESSOR IN BERLIN

Berlin, Nov. Prof. Adler of Co., lumbla and Prof. Davis of Yale will deliver inaugural addresses. at the uni- versity on Tuesday.
The Birmingham age-herald., 1908-04-12

"BONDS-All of the bonds. with the eX- cepton of the S16.0OO lot issued by the city of Social Circle. Ga, are on deposit with the treasurer of your state as required by Section 25s9, Chapter 63, Article 1. of the Code of Alabama.
 BANK DEPOSITS-The deposits in bank have been verified in the usual man. ner, and certificates received from all of <the institutions except the First National Bank of Lyons. I am convinced, however, that the company had absolute title to all of the amounts claimed by it.
 NET PRESENT VALUE OF POLL CIES-Although the rate of interest pro- vided for the valuation of policies accord ing to the laws is 4 per cent. the com pany has been calculating it's reserves on 3ls per cent basis. 1 have already men toned that the company is maintaining the full legal reserve on it's policy con tracts issued prior to last October and since that time it's contracts provide for a modified preliminary term reserve.
 DEATH CLAIM UNPAID-It will be noted that in the liabilities there is in- cluded one claim for s50oo The officers of the company noticed in the newspapers an account of the death of this polcyholder and, although no claim was made prior to January i, have charged this as lia- bility in accordance with the usual depart- mental customs In connection herewith, however, 1t is but just to call your at- tention to the fact that no notice was ever received from the beneficiary under this policy. Notwithstanding this, how ever, the officers of the company notified the beneficiary of the existence of the policy and voluntarily forwarded papers upon which the necessary proofs of losses were prepared. The attitude of the com pany in this matter is to be warmly com mended.
 INTEREST ACCRUED ON EXPENSE LOADING CERTIFICATES January l, 1908, the first installment interest was due on the certificates of indebtedness s- sued to the Southern Securities company. The company intends to pay this amount. and from a careful reading of the wording in the certificate I am of the opinion that this accrued interest is a proper liability.
 CAPITAL STOCk-As has already been pointed out, the entire capital stock, with the exception of the necessary B
The Birmingham age-herald., 1908-04-12

qualifying shares (which. however, have been assigned in blanl1), is owned by the Southern Securities company. It will De seen, therefore, that the certificates of in- debtedness issued by the Insurance com pany are held by friendly interests.
 General Conditions
 "The administration of the company has been beyond reproach, it's treatment of it's policyholders has been liberal, and it's payment of it's death claims has been prompt and as free from technical objec- tions as was possible with a proper re- gard for the interests of the other policy holders. Whatever minor criticisms it be- came necessary to make in reference to the general methods of the company have been communicated verbally to the Of ficers, and are not of sufficient import ance to require any record in this report
 "It becomes my pleasant duty to call your attention, officially, to Rule 5 of the finance committee, which is an excellent one and should be duplicated in the laws  of every insurance company. This rule is as folows:
 ." No member of this committee shall, either directly or indirectly, borrow any of the company's funds, nor sell to the company any securities owned by him, ex- cept with the unanimous approval of the committee, nor shall he directly or indi- rectly receive or take any commissions for loans made, or upon securities purchased by the company; but this rule shall not be construed to mean the purchase of secur- ities from corporations in which members of the committee are stockholders or -di- rectors.'
 Securities Contract Examined in Detail
 "The relationship between the Insur ance company and the Securities company has been examined in detail, and nothing requiring any extended comment was de- veloped The application which investors make to the Southern Securities company for the purchase of its stock (with the ex- ception of slight modification suggested by MT. Sexton), is in proper form ana contains clause which sets forth very distinctly the disclaimer of any responsi- bility for estimates of future profits.
 Tn this examination my thanks are due to you, to MT. Sexton and to Mir Aston for the assistance rendered me at various times, and 10 the officers and en- ployes of the corporation for their cheer ful cooperation and assistance when they were called upon.
 "All of which is respectfully submitted.
The Birmingham age-herald., 1908-04-12

turned over to the latter percentage of the loading on the premiums re- ceived, varying from 90 to 95 per cent, and the Agency Company agreed to reim- purse the Insurance Company for all of its expenses of operation. At the same time the Agency Company executed an agreement with the Securities Company, agreeing to pay an installment of twelve and a half dollars d year for eighteen years on each share of the capital stock of the Securities Company which would , be issued to the Agency Company and sold by it to secure funds necessary for the Insurance Companys operating ex- penses
 Both Contracts CanceIsd
 "On July 24, 1907, both of these con tracts were canceled and at the present time the Insurance Company obtains whatever money it netds in excess of the loading on it's policies computed by modified preliminary term method from the Southern Securities Company, and gives in exchange for such advances a certificate of indebtedness by which the Insurance Company promises to repay the advarces in fifteen annual install ments ard to pay interest at 8 per centum per salnum the unpaid portions, it 3eing provided, however, that such payments are to be made only olt of the loading on the policies. Your Department has ruled that no liability attaches to the Insurance Company on ac- count of these certificates of indebted ness, and in preparing the foregoing state ment this rule has been followed.
 MORTGAGE LOANS-All of the papers relating to the loans on real estate made by this company have been critically examined by Phillip H. Alston, Esq: his very exhaustive and excellent re- port is submitted herewith It will be seen from it that all of the papers are in proper shape and it deemed un- necessary to make any appraisals of these properties. The mortgages are all for small amounts (which is to be com mended) and their selection seems to have been made with proper regard for the interest of the poiicyholders.
 Automatic Premium Loans
 These loans have been granted in con- formity with the provisions of the poIiey contracts whereby in the event of. lapse the policy is automatically continued and the necessary loans charged against the policy.
The Birmingham age-herald., 1908-04-12
Directors:

A AFFORD
 LEWIS H BECK Atlanta Ga President of the Florida Home Insurance Co., Marlanna J FERRIS CAIN, Attorney, Savannah Ga RAYMOND nt CAY Naval cf s As5eVie 5sVfIenNle M Fla President the Southern Bell Telephone ana cHARIEs HARMAN the Western and M HAYNE of Augusta Ca HULL Vice President o Phosphate Company 'A' 1snal R w. JOHNSTON Capitalist HARvE JORDAN President Southern Association At LIGoN President of the Guck Mils Anderson s MURPHY, Capitalist Atlanta Ga. ,, .ha,o NJ < RASN GasReF % 5s ba I Ba P h p 4n san NC President the South River Brick Company At os % % ] esa s z1RxI.E. Moore Real Estate Estate Montgomery Ala THOMAS p MEADoR Vice President g of the F e eompny n MARION M JACKSON of Counsel of Aoents desiring to increase their incomes over any previons year will do we'll to investigate
 our contracts. R. K. SHAW,
 Director of Agencies,
 I2I4 CandIer Building,
 Atlanta, Ga. F. E. BRODNAX,
 Inspector Of Agencies, Room 2I4 Title Guarantee Building,
 Birmingham, Ala. The Southern States Life Insurance Go. of Alabama Home Office, Montgomery, Ala.
The Birmingham age-herald., 1908-04-12
SOVTHERN STATES LIFE COMMENDED
 Report of Auary H. Wolfe Administration Beyond Reproach

The examination of the Southern States Life of Alabama, by Actuary S. H. Wolfe. acting for the Alabama insurance depart ment, has been completed, and MT. Wolfes report to Auditor of State and ex- offcio Insurance Commissioner Julian. summarized as to the details of the ac counts, is follows:
 History
 ''rhe Southern States Life Insurance company was incorporated under tho laws Of Alabama by a certificate issued by the secretary of state April 1e 1906. Its outstanding capital stock is s1Oo.OOo. all of which, with the exception of the necessary qualifying shares. is owned bv the Southern Securities company
 T have prepared statement showing it's condition on December 3 1907 and its transactions for that year This state ment 6summarized) is as follows: Amount of Ledger Assets,
 December Sl, 1906 .............. .$a5, ,751. .ss Income
 Ne" premiums .......s .s156 707. IS
 Renewal premiums .. 76g1.4
 Interest and other
 ouf'es .'''.'''....... 17,4H. T 3s1, ,1s4. .n Disbursements
 Losses '...... .........s 365oOoo
 oNluends ........ ..... 165SO 49
 cons and expenses. 2o4,ss6. .26 25zs7s. .75 heuser assets .''.'.... SaS, ,90s15 'ioss assets ...''......-.. 357,9S7 A Total admitted assets a52 751 eo Total liabilities
 reserve ........ ..... .$186 753. 42 Unreported death loss. 1000 %
 Miscellaneous items .. 19OO5 15 31O75S. .55
 Analysis
 INCOME ITEMS-AlI of the income items are self-expanatory with the ex- oeption of the last one. Advanced by Gen eral Agency Company and Southern Se- curites Company, s1S3, 90. Until last October the policies issued by this com pany called for the fulh legal reserve Under conditions then prevalent in the insurance world, new company could have obtained its business paid the neees- sary operating expenses and maintained this reseryeN solely out Of it's premium in- come It beeeme necessary, therefore, to provide someN means of financing this proposition. ANeontract was entered into between the 1nsNrance Company and the General Agency \ whereby the former
The Birmingham age-herald., 1908-04-12
To the Insuring Public.

In this the company handles its death losses This is additional instance to that mentioned in Mir. Wofe's report.
 March 28, 1908. Mrs. Jeptha H. Perry,
 Monroe, Georgia,
 Dear Madam: We have today observed an nounc ement in the paper Of the death of your husband, MT. Jeptha H. Perry, who was in sured in this Company for $2, o0o under two policies, #l774 and #l775. The former made payable to yourself and the latter to his estate.
 We send you herewith forms for proof Of death and claim under these policies, and if
The Birmingham age-herald., 1908-04-12

$2o, 900. % in appl ions. These are my first, and l can assure you they will not be my last, for find that to sell insurance in The Southern States s only about half as hard as in any other company wrote for. You will hear from me again soon, I have just warmed up.
The Birmingham age-herald., 1908-04-12
Officers:

L. MEADOR Lowry  FRANK ORME, Treasurer. R.K SHAW, JACKSON
  JOSEPH H. WILLIAMS, Auditor. ROBERT F. MOORE, Agency
The Birmingham age-herald., 1908-04-12
$2,O44,5OO for MARCH |

The impetus gained by the unusually fIattering report of the drastic examination of the affairs of the Southern States Life Insur- rance Company by MT. s. H. Wolfe, of New York, acting as consulting actuary for the State of Alabama, from which state it received it's charter, has largely been responsible for the achievement of a record-breaking amount of business done during the past month.
 
 For the month ending March 3 the Southern States Life Insurance Company has written within the States of Georgia Alabama South Carolina and Florida $2 of insurance
 
 The first policy the Southern States Life Insurance Com pany written May 10 1906 and has far ourpped other Southern company established at since that time in volume of business and accumulation of assets.
 
 The report and commendaton of such authority Mr. Wolfe fitting recognition and tribute to the States Life Insurance Company to establish within the South life insurance company in it's highest founded upon broad, solid, scientific and conservative basis.
 
 The report of Mr. Wolfes acid test' is to be found this page Read it. Every line breates endorsement for the Southern States Life Insurance Company
The Birmingham age-herald., 1908-04-12
WILMER L. MOORE, President

you will have properly completed and forwarded to us, will take pleasure in passing upon and forwarding cheque to you for the amount of the policies, immedi- ately approval of such proofs.
 Yours very truly,
 WILMER L. MOORE, President.
The Birmingham age-herald., 1908-04-12
To Agents.

The following letter expresses tho experience of our agency force.
 March 28 1908. The Southern States Life,
 All anta, Ga. Gent emen: Please find enclosed hereWi tn
The Birmingham age-herald., 1908-04-12

Yours very truly,