davidaulloa/AmericanStories huggingface dataset:
Omaha daily bee., 1909-04-25

pocketbooks. l am glad that life insurance
companies are beginning to be interested
in it from this point OF view. Its study
will prove profitable to them and will af-
ford a most valuable object lesson to the
people.
"As far as their policyholders are con-
cerned, life insurance companies have two
chief objects in view: First, that every
~policyholder shall be physically sound
when his policy is issued, and second, that
he shall live as long and pay as many an
nual premiums as possible. These two
conditions are also of great importance to
the pollcyhilders. themselves. because a
low death rate means a smaller cost of in
surance and also because everyone wants
to live as long as possible, All life insur-
ance companies are careful. some more
SO than others, to see that their risks are
carefully selected. and on the whole, l be-
lieve that the medical examinations OF life
insurance in this country are vigorously
and honestely made, and that the great
majority of accepted applicants are sound
at the time their policies are issued, This,
OF course, is as it should be. but so far
as know, no effort IS made by any life
Insurance company to keep in touch with
the physical condition of its policyholders
after their policies are issued.
Would LenEthen Life.
Life insurance companies will, OF
course, admi that anything which would
add five or ten or more years to the
average longevity of their policy
holders. so that they would pay
just that many more annual premiums
would be an immensely valuable stroke Of
Omaha daily bee., 1909-04-25

business. l believe that this very thing
is possible, although, of course, 1 would
not go so far as to state anything as to
the average increased longevity that might
be brought about. There is probably not a
physician who has not many times in his
experience detected. while examining a pa
tient for some other purpose, the early
signs of some beginning organic disease,
of which the patient had no suspicion. In
such cases the early recognition of the
first evidence of the disease has enabled
the physician to so order the life of his
patient as to prevent the further progress
of the disease, If II Is a durable one. or to
retard its progress and to enable the pa
tient to live much longer than he would
have lived had the disease not been de-
tected until later.
| MANY persons die of kidney disease, of
tuberculosis, of cancer. of diabetes, of
heart disease, and of other disease every
year, and many millions of dollars are paid
by the life insurance companies which have
issued policies on the lives of these per-
sons, who were sound when the policies
/ were issued, and who might have lived
much longer and paid many more annual
premiums II the diseases which caused
their deaths had been recognized and prop
eTly treated in their earliest stages. These
are the very diseases which figure most
largely in your mortality tables. My con-
tention is that it is perfectly possible to
recognize. in many cases, the early signs
of these diseases before the Individual sus-
poets that any evidence of disease is pres
ent, and that life Insurance companies
would save large amounts Of money which
they now pay in death losses by inaugural
ing a plan Of systematic re-examination of
all their policyholders at regular intervals,
say every five years. This. of course, could
not be made compulsory on all policyhold-
ers, but | believe that the great majority,
il the reasons for the examination were
explained to them, would be very glad "a
report to the medical Examine at a speci-
fled time and submit to the necessary ex-
animation.
1.-The expense to the companies would be
trivial. and in certain cases where the
policyholder was insured In two or more
, companies the expense might be easily di-
I vided. The details of the plan which l sug-
gest would, of course. have 10 be carefully
worked out by the companies, but l fee
D certain that by adopting some such plar
as / have in mind the statistics of life in
? surance companies would in a few years
show a greatly reduced mortality witt
5 correspondingly increased profits to th'
business and a lessening of the cost OF
5 life Insurance. The whole tendency o.
I modern medicine is toward the early rec,
8 ignition and the prevention OF disease
and the life insurance company which frs
5 makes a practical application of this prin
e eiple to It's business will not only brinl
r about a revolution In the business OF If,
= insurance, but will also confer an mmenst
e and lasting benefit to the world.
Would It not be 3 good thing for tn,
Omaha daily bee., 1909-04-25
WOULD PREVENT SICKNESS
DR.. Burnside Foster Makes Life In
surance Presidents Sit Up.
WOULD EXAMINE RISKS OFTEN
RecognitIon of Early siSnS oil III"
ense ana preventive Medicine his
Remedy to Lessen Death
Rate of Patrons.

NEW YORK. April 24-Free medieal ~
animation Of policyholders every flve years
az a means of prolonging human NE was
sugEested to the Association OF Lille IN
surance Presidents this afternoon oy III,
Burnside Foster. editor Of the 81 Pau'
CMinn) Medical Journal, and also a lle
Insurance. medical examiner. Such eXaml-
nations, Or. Foster declared. would reveal
the incipient stages of unsuspected ais
eases that could be cured or whose prog
ress could be materially retarded and II
would thus be possible to add five ten or
more years to the average longevity Oh
policsiialGoys. OF course sueh eNsmlha-
tion< Soaia rot be made compulsory but
DIR. Foster thought that the proposed in
noyation would be welcomed by policy
holderg once they realized the value and
significance OF Il.
The NE extension committee OF the
Presidents association will consider Dr'
Omaha daily bee., 1909-04-25
Has a Membership of
Over Seventy
Thousand
And Is Increasing at a Won
derfuI Rate Each
Month

The Woodmen Circle is the only auxiliary of the Sow
ereign Camp, Woodmen of the World. Members of that or
ganization and any worthy woman who can pass the re-
quired medical examination are eligible to membership.
The Woodmen Circle is organized for the purpose of pro-
viding relief for its members in times of sorrow and distress,
educating them in moral, social and intellectual matters and
promoting fraternal love and unity. The order also furnishes
insurance in amounts of $100, $500, $1,000, $500 and
$4,000. Members pay an assessment each month in accord
ance with their age at the time of joining the order and the
amount of insurance they carry.
The Woodmen Circle has established an enviable record
among fraternal insurance organizations by the prompt pay
ment of it's death claims. ~
It is doing business at the present time in thirtyeight
states. not including the territory west of the Rocky noun
tains. which belongs to a separate jurisdiction with head
quarters at Portland, Ore. The organization has a member
ship of something over 10000, and is growing at the rate OF
1000 to 1000 a month. 1t has been rightly termed, The
Little Giant in the Insurance World"
Omaha daily bee., 1909-04-25

HI HEADQUARTERS occupy the fourth floor of
the wooDMEN OF THE WORLD BUILDING, on Fiji
teenth and Howard streets, and its work is so we'll system
atized that only from twelve to fifteen clerks are necessary
to conduct its entire business affairs.
It's plan is admirable, including an emergency fund,
monuments to its deceased members and funeral benefits.
One of the most commendable features is the probationary
period which members are required to pass. Its present
membership, in the thirteen years of it's existence, have &C
cumulated an emergency fund of almost $~l,O000OO, a larger
reserve per member than any other order in the United States.
1t is not fair to them that this be used for the payment
of premature deaths and despite every safeguard which fra
ternal organizations may establish, undesirable risks will at
times slip in. So our certificates are issued payable one
third if death occurs during the first year of membership,
one-half if during the second year of membership, %two-thirds
during the third year of membership, and after three years
the full amount of the face of the policy. Applicants who
are apprehensive that they will not survive three years are
not considered desirable material for membership, but if
such risks are accepted and die before the probationary
period has elapsed, their beneficiaries receive splendid re-
turns on the amount they have invested. This plan protects
the living from the payment of extra assessments and is just
and equitable to all. Z
The Woodman Circle has paid out every minute since
the date of its organization an average of SAP to the bene-
ficiaries of deceased members, and yet, owing to its perfect
plan and s~plendidly adjusted rates, the income has been ade-
quate to meet all obligations and establish a handsome re-
serve fund for future demands.
Omaha daily bee., 1909-04-25
n. p DODGE, Jr. w.TDUcE<Ex
NJ. p. DODGE & CO..
CERTIFICATE OF PusL1cAr1oM

STATE OF NEBRASKA. OFFICE OF
AUDITOR or PUBLIC ACCOUNTS.
LINCOLN. Feb. LIST, 1909.
1T is HEREBY CERTIFIED. That
the Royal ExchaTlge Assurance Com
pany of London, England. has COM
piled with the Insurance Law Of this
State, applicable TO such Companies,
n Is therefore authorized TO rom
tinue the business OF Fire Insurance
In this state for the current year end
ing January 3ist. 1910.
Witness my hand and the seal OF
the Auditor OF Public Accounts. the
day and year first above written.
SILAS r. BARTON.
CSeaD Auditor OF Public Accounts.
C. e.. PIERCE. Deputy.
Omaha daily bee., 1909-04-25
WHO CAN BECOME MEMBERS

ID bb lghe thu womdmeC me A man must first belong and be in gmd Sandrg in the Woodmm of the W@
a social md business hatnMyS swell Meh ubndr father or b0hm9w Why hhdn not the nm mOt@m aMr
Norwich bulletin., 1909-09-08
FINANCIAL AND COMMERCIAL.
VIOLENT DECLINES IN PRICES.
Harriman's Relapse Again Shatters the
 Stock Market.

New York, Sept. 7-E. H. Harri- mans illness again sent a shiver through the worlds security markets today and broke a wide hole in prices in the New York stock market. The Eio ;nce of the decline in prices here "as 11ucE aggravated by the fact that .Gpiors were current before the market C Jered that the financier had actually passed away These reports were cir culateo both in London and New York. Their harmful effect was not dissipated by the later guarded assertions of MT. Farm ans official associates that they believed he was better after an attack of il digestion. The lack of formal of- ficial announcement on the subject after last weeks asurances that changes would be reported to the press, left an impression of a lack of candor in the advices that were allow ed to become public and left the specu- lative sentiment fearful and 'hesitating. It was this feeling that kept the mar ket nervous and depressed in spite of the light weight of actual selling or ders that had to be taken care of. It was fact that selling was not notably large even~on the demoralized opening break in prices. The demand was too cautious, however, to support prices effectively even against the compara- lively scanty selling. The bears were timid about making short sales, having in mind their severe experience on Monday of last week. In pointing out the number of times that reports Qf Mir. Harriman's danger and even of his actual death have figured in the recent stock market speculation. the question was advanced whether much was left ia the way of effect on prices of such an event to be provided against. It was considered certain also, in view of the vast interests at stake and the soter business procedure that would be usual in such contingencies, that utmost precautions had been taken all re ady to meet a sudden emergency, both in the administrative and 1nan- cial affairs of the Hartman companies themselves and in the more sensitive ot gaEization of the speculative mar kets. The action of the market today g;ve sufficient testimony to the meas vles taken to support prices and to resist the decline in it's precipitate stages. The weak closing at the low est price of the day was accompanied by reiterated bulletins affirming the low vitality of Mir. Hartman and the E eat anxiety felt by his family and fficr os( The weak and feverish clos ing of the stock market showed the lack of any definite settlement of it's vi ;ws on the problem confronting it. Bonds were irregular. Total sales, par value, $2,924000. United States bonds were unchanged on call.
Norwich bulletin., 1909-09-08
TAFT CUP GOES TO JOYETTE
Sonder Races Ended-Detroit Gains on Athetics-Nut-
 meg Stake Goes to George Gano-Sonoma Girl Wins
 Free for All Irot.

Marblehead. Mass, Sept. 7.-As a result of the final race of the Ger man-American sonderklasse series to- day, the President Taft cup was won by the Joyeute. owned by Commodore w.. H. Childs of the Bensonhurst Yacht club of Brooklyn.
 The Governor Draper cup goes to the Ellen. owned by Charles P. Cur tis of the Eastern Yacht club. Each yacht had won two of the series in which the Germans were competitors, while the Hevella, the survivor of the challenging yachts, was eliminated through her defeat yesterday.
 Joyette Wins on Windward Work.
 Today's race was a slashing one, in which the Joyette proved to be so much the faster on windward work that the better qualities of the Ellen on dead-on end runs were not pow erful enough to permit her to cross the finish line in first place. In the final leg of the course, a spinnaker run back to the finish line, the Ellen picked up amazingly on the Joyette, but the latter retained the lead and crossed the line 21 seconds ahead of the Ellen.
 President to Present the Cup.
 On Thursday at 12.So p. m., the crews of the three German and three American yachts, together with the special committee and officers of the Eastern Yacht club. will go aboard the government yacht Mayflower at Beverly, where the president of the United States will present the hand some trophy named in his honor to Commodore Childs, owner of the Joy cite. The cup given by the governor of Massachusetts, and won by the El- len, was presented to MT. Curtis at banquet heid tonight at the Eastern Yacht club, by Governor Draper.
Norwich bulletin., 1909-09-08
National Lsasu. Standing.
Pirates Too Stronq for Cubs.

Pittsbure, Sept. 7.-Pittsburg and Chicago are now on even terms in the series of games started in Chi cago Sunday. the locals winning today by score of to 2. The remaining game of the series will be played to- morrow
 The visitors used three of their best pitchers today in a vain effort to check the batting streak of the home team Maddox was strong throughout. Only one Chicago player got past first base after the second inning.
 Abstein's home run in the second inning was the subject of an argument in which all the Chicago players took part Tinker and Chance finally being ordered from the field by Umpire Klem The ball hit into the left field bleachers and bounded out on the field where Sheckard got it and threw to second, holding the runner there. Klem allowed Abstein to take the other two bases, the rule being that when ball is knocked out of the. field as was the case today. the batter is entitled to a home run. The score:
Norwich bulletin., 1909-09-08
$5,o0o NUTMEG STAKE
 EASY FOR GEORGE GANG.
Small Fields at Hartford Races-so- .noma Girl First in Free for All Trct.

Hartford, Conn, Sept 7.-Snappy contests between some of the fastest steppers on the grand circuit. in which George Gano. Earl Jr., and Sonoma Girl captured the honors, were wit messed this afternoon on the Charter Oak park track. The number of en- tries were comparatively small. The POT pace for a purse of $5,000-the Nutmeg stake-was easy for George Gano, who simply walked away from the field. taking the two first heats. Second and third money was diveded between Rollins and Hal Raven, each having a second and third place.
 The free for all trot was taken by Sonoma Girl. who. after bad behavior fin the first heat, settled down and took the next two in fine form. Nahma was second.
 The 211 pace went the full five heats by reason of the cratic work of Hallie Direct driven by Geers. The mare took the second and third heats. but was unable to do better than third in the fourth heat and only secured second money, Earl Jr. taking first.
 Against time of 2.30 IA, Peerless Audubon trotted mile in 2.29 1-4; Major Audubon went the distance in 2.25 1-4, and Gay Audubon in PA If.
Norwich bulletin., 1909-09-08


 steers. 3 years. second s2.5o; one pair steers, ? years, first $2.50.
 Working oxen: J. E.. Lathrop, Mont vile, 1 pair oxen. years or under, first s4; F. l. Pierce, Bozrah, par oxen. 4 years or under. second s2so; H. J Gallup. Ledyard. pair oxen Clark. Ledyard. pair oxen. { years or under, third s2: pair oxen. years or under, first s5; R. B. Wheeler, North Stonington. 1 pair oxen. years or over, first s5; pair oxen, years or over second s4: 1 pair oxen, 3 years or over. first s4; Pendleton Bros. Bozrah. 1 pair oxen, years or under second s4; J. A. Clark. Ledyard, 1 pair oxen. 4 years or over. first ss- Irving O. Burdick.. simon Brewster. judges
 Private Teams: J. B. Palmer. Lis tContinued on Page Eight)
Norwich bulletin., 1909-09-08
R. H. E.
Lono Distance Hitters Busy.

New Haven. Conn. Sept. Tn a game featured by long distance hits. New Haven won from Northampton this afternoon, to '. Guest, four times at bat, made two triples and home run.
 Score: RH. E. North'pton 900 O2o5 or 10 8 New Haven o 0 2 *-s 12 3
 Batteries Warner and Bridges and Robarge; Dickinson and Waters; time, 1.50; umpire, Cullen.
Norwich bulletin., 1909-09-08

Detroit American league baseball team, with assault with intent to kill, was sworn out today by J. J. Klein, attor- ney for George Stanfield, night watch man at the Euclid hotel who, it is said, was assaulted by the ball player in the hotel Saturday.
 Stanfield signed the affidavit in his room at the hotel, as it was said he is too weak to leave his bed.
 A detective employed by a private agency will go to Detroit, where Cobb is now playing, to serve the warrant.
Norwich bulletin., 1909-09-08
go,ton,s Pitcher, Wild and wa,hinoton Win, ii to
Washington.

Score by innings:
 Washington ~ ....0 3 3 012 2 .-1I Boston ........ .....O o 0 O-6
 Runs for Washington conroy. Unglaub. Lelivet. Kelley g. Slattery., Milan. Mcbride 2. Street. for Boston Lord. Gess6r. Gardner ,. Stahl. McConnel {: base n.s. Street. Kelly; three base hits Leli- velt. Stahl: hits, of Karger in 1-2 innings. of Mathews in Is. off AIellanes in 4 Is; sac rihce hits Unglsug. Milan. Lord. Mcconnell; stolen basns Conroy, Kelly. Mcbride, Niles. Lord double plays Niles to Carri.an to Mcconnell left bases Washington {. Boston 8 hrst base balls. of Gray 9. en<arser 5 of Mathews ?. of Arellanes 4; first base on errors. Washington l. Boston 3; hit by pitcher. by Gray l: struck out by Gray :. by Kar- ger l. by Arellanes q passed ball. Street; time. 205 umpires, Kerin and Connolly.
Norwich bulletin., 1909-09-08
COTTON.

New York. Sept 7-Cotton spot closed quiet. Is points higher mid ding uplands, 1900: middling gulf, 1925; sales. 400 bales. Futures closed steady. Closing bids;- September 125s. October 12.61. November 13.62, Decem- Der 12.70. January 12.66, February 126s. March 12.74. April 12.75. May l2.7S.
Norwich bulletin., 1909-09-08

Consul Alfred K. Moe Of Bordeaux and commercial development of French Senegal, Africa. through the extension of the railroad from Dakar and St. Louis to Raves. It will soon be open- ed to Diourbel The governor general expresses the determinaticn to push construction in the direction of the Soudap
Norwich bulletin., 1909-09-08
Sapphire Stakes Went to Pretend.

Sheepshead Bay. N. Y, Sept. 7.-Pre- tend at to 1 easily won the Sapphire seIhng stakes. five and half furlongs, the feature of the card here today. He had to be much the best to win, as he was carried very wide on the stretch turn. However, Dugan drew his whip and the colt, responding gamely, caught the leaders and won by three lengths, with Billiard Ball second and Little King third.
Norwich bulletin., 1909-09-08
MONEY.

New York. Sept. 7.-Money on call stesdy at 1-4@2 1-2 per cent; ruling rate 2 If; last loan 1-2; closing bid 2 1-4; offered at 2 i-2 Time loans quiet and steady; sixty days pef cent; ninety days IA par cent; six months per cent
Norwich bulletin., 1909-09-08
Detroit ssa, Cleveland in Fro. Hitting Game.

Detroit, Sept 7.-In free hitting game Detroit beat Cleveland today principally because of superior support of pitcher whom the visitors found easy reach. Two home runs each with man base counted the four Cleveland rns After making the score tic. Detroit twice punched double and two singles. each time for two runs. and got safe lead. The hitting of Deehanty and Birmingham featured. The scores
Norwich bulletin., 1909-09-08
Win One, Other a Draw.

Holyoke, Mass, Sept 7.-Hartford won the first game of the double head CT with the locals today, S to 5. The second game was called in the ninth inning on account of darkness with the score to 6.
Norwich bulletin., 1909-09-08
MerkIe's Triple Win, for Giants.

New York. Sept. 7.-Nerkle tripled to left with two out and all three bases occupied in the third inning today. and thus won for the New Yorks their last game here with Boston. to 1. The vs- itors were unable to bunch hits on Raymond. The
Norwich bulletin., 1909-09-08
New eno,sud Lsaqus Results.
Eastern League Standing.

At Ilroczton-Brockton :. Worcester o. AT Hgverhsll-Iawrsnce { Hayerhill 2. At l.owell--Lynn 3. Lowell 2.
Norwich bulletin., 1909-09-08
TUESDAY BASEBALL GAMES.
En,tsrn Irauun R.,nlt..

At Bufalo-Burslo 3. Toronto 1.
 At Providence-Jersey City 5. Providsne o. At Rochester-Montreal O. Rochester 4. At Baltimore-Fiist game Newark TO- Baltimore l. Second game; Newark H. Baltimore 4.
Norwich bulletin., 1909-09-08
New York.
Boston.

Runs, for New York Seymour. Murray, Bridwell. for Boston Beaumont; two base hit. Beaumont
 three base hit. MerkIo sstrihce hit AUtrey; stolen bases. Seymour 9. Bridwel 9 Merke; left on bases, Boston :, New York double plays. DevlIn to Mer
 kle. Raymond to Devlin to Bridwel to Devln struck out, by Curtis f. by Raymond l first base on balls. n Cuutis g. rr Rayrl.ili |: hit pitcher. by Cur tis l; wild pitch Curtis; time 1.5o umpire. Rig
Norwich bulletin., 1909-09-08

Score by innlngs
 Philadelphia . 10 O 3 eez o-6 New York .........,..0 0 o 9 0 4p O-S
 Runs, for Philadelphia Collins Baker 2. Davis 2 Murphy for New York Demmitt ?. Keeler. Chase g. Engle Laporte; hits. of Morgan in innings of Dygtrt in 2 two base hits. Chase. Demmitt three base hits. EnEle. Laporte; home run Chase; sacri- flee hits Knight, Keeler. Davis. Chase: sacrifice flies. Engle Murphy; double plays. Baker to Col fins to Davis. Knight to Laporte to Chase; struck out. by Morgan 2 by Doyle 4. by Dygert 1: left on bases Philadelphia [. New York !; first base on balls of Morgan 3, of Doyle ]; first base errors Philadelphia 2. New York 2; time 200; umpire. Egan and Sheridan.
 Boston's Pitchers Wild and Washington Wins II to
 Washington. Sept. 7.-Bostons pitchers were wild and ineffective today. while Gray had but two bad innings. Washington winning fin consequence Il to 6. The throwing of Street the feature of the
Norwich bulletin., 1909-09-08
Detroit
Cleveland.

+Batted for Ball in 9th
 -sBatted for Joss in 9th.
 Score by Innings:
 Detroit ....... ......0 Q 2 s-6 Cleveland ...... ....,.2 0 O 2 0-
 Rtins. for Detroit Bush. Cobb Crawford. Delehan- ty 2, Schmidt for Cleveland Reilly. Stovall. Ball Joss; tro base hits, Crawford. Schmidt. Hinchman: home runs. Stoyall. Joss; sacrifice hits, Crawford Moriarty. T. Jones; left bases Detroit 5. Cleve- land 5; first base errors. Detroit l. struck out ty Summers ?. by Joss 2; balk Summers; time I43; unDires. Evans and Perrine.
Norwich bulletin., 1909-09-08
Ameriean L,anus standlna.
AthIeiic, Lose 10 Nsw Yerk.
New York.
PhiIadeIphia.

Philadelphia Sept T.-Both teams hit the ball hard but New York drove out number of hits for extra hases while the home team lost chances to score by reckless work the bases Score:
 nk.t.datnh;. Nam
Norwich bulletin., 1909-09-08

Cobb Charged With Murderous Assault
 Cleveland, Sept. "A warrant charging Ty Cobb. right fielder of the