davidaulloa/AmericanStories huggingface dataset:
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1909-12-23
Rokaw a Good Society Member
NC,eatland Man Does Good Work at National
- Convention Of Society Of Equity

Cxxi y. Rakow, of Wheatland who
xrS 4 delegate to the national conven
ssup sG the Society of Equity held in
IaGdxnnoIis November Is, made a
>ssU interesting address to the con.
asIsz an. the necessity of protection
=. H. Eheat grover. He exposed
l.Hy ahe eyils of the drawback provis-
.,n>s u the tariff law as they relate
. ~iAeat, his remarks were well re-
,a.isad Ay the. convention.
M. nakow adduced figures to show
u. xfsxe was not the least necessity
~, s.as. Southwestern millers to grind
aaaSkn wheat. In the crop year of
nj tAe three spring wheat states
-sxass6 ss,.1e 900 bushels OF wheat the
10 Hsxr mills in the three states
xrsuxz faia flour only 100, 057 1896 bush
~, 4ilEE leaving surplus of wheat
~ axsas after making allowance for
aesd purposes. ~.
On his return home, Mr.. Rakow
stopg,sS aver a day in Minneapolis
INA had Z most interesting discussion
Nth IN president and secretary OF
1nn II the largest milling companies
ia the x&untry. He presented the far
Hsex szfas Of the question of the
AnHtneHi Of the wheat shippers to
H. Minnesota terminals. The cost
ri ,nUdzction was so badly handled
~ hin aAat the miller was forced to
.Ss.St irRaf the farmer ia entitled to
IHme hs1 costs just the same as any
lunnm1eszUer, that he was entitled to
u MIr gssaat over and above the cost
VI Fs4hctfon. IT,
rAh proposition is certainly fair,
H. MaRer should reap a fair profit
.r~ ~ above. costs, as well as the
xJty Hsu,. and when he can do this
,Ae~1zItsne In as fine a house with all
- ~ Dsdern improvements as the
S-S0 -. have the grounds in front
"a - nn.e kept in good order. and
IN 31se the good roads so much de-
s$Rzl II everybody.
~ Eese things will come to pass
'saSa X Rakow, when the farmer
ak8 EAarge Of his own business and
zssat bG profit, just the same as any
s,asnas man in any other line OF
s1ExnE - -. 49,, ~.
The Eduity Society has. an exchange
nj Ax, Hn in Minneapolis and the
s~kAlAsrs~are supposed to ship their
axEnakexe. as the exchange pays into
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1909-12-23
Lansford, N. D.. Dec. q

aHz< L2nSfOrd, ~. L. Lee. ~.
Special to the independents
The first accident occurring since the
installation of natural gas in this city,
was terrific explosion at the home
of one of our prominent merchants, G.
C. Banks, Monday night about eleven
o'clock. AS a result of the explosion
the house valued at $4,000 is total
wreck and most of Mr.. Banks furni'
ture was smashed. The explosion
which occurred in the basement lifted
the house fully six feet from the foun.
dation and the seven people who were
in the home at the time, thought their
time had come.
The gas had not been working pro-
perly and Mr. Banks and Mr.. Walker
started for the basement with a LAMP
to see what the trouble vas. Just
as thoy opened the door, the gas ig.
nited and there was a deafening rear.
The lighted gas burned their hands
and faces horribly and they are con
fined to their beds. Their faces ace
swollen beyond recognition and it is
feared that scars will be left. AS Mr.
Walker was being taken 10 the doc
tors office, the skin dropped from his
hands. .vE s.
! The gas must have teen escaping
for fifteen or twenty minutes and The
basement was charged with the in
famable stuff. 49, az ,sa2
John Davis the druggist was in the
kitchen at the time Of the explosion
He was stunned for a moment but
escaped without serious injury. Mr.
Banks mother and Miss Luke, who
were in. the house were quite badly
injured. Miss Luke received bad
injury to one Of her eyes, and YVES cut
quite badly. @ .a='-@ ~
. After the explosion, the house
caught fire, but the fire department
was called out immediately, and did
excellent work in putting cut the
conflagration. ,a-,-. ......- III.
The news Of the dtsaste' Travelled
fast over the farmers lines IN this
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1909-12-23
Blacksnliths'' Ball

Il The first annual ball of the Black
smiths and Horseshoers' association
will be given at Whites Roller Rink
the night of Dec. 30. The blacksmiths
are making plans for one of the jol-
Hest times ever held in Minot and
those who miss this occasion will have
reason to regret it. The rink will be
decorated deliberately in an appro-
pirate manner. Quigley's orchestra
has been secured @r 'sS
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1909-12-23

the department of Grain Growers of
the society, $3.50 for each car it han
dies. If enough cars were shipped
by the members it would give the
society plenty of money with which
to carry on it's work.
Of all the grain shipped to the ex.
change by the members of the society
Mr.. Rakow's exceeded those of any
two other members. He is thoroughly
in earnest in his work and today he
stands head and shoulder above any
of the leaders of the society in this
state, not only in the amount of work
done, but also in the results accom-.
plished. ua.e- 's
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1909-12-23
Licensed to Wed

Tom Ulvick IS, Berthe Vangen Is.
Knute R. Elem q, Hilma Wilson 49,
Afford T. Holmes, Mountrail %,
Judith Amanda Nelson, Ward. 20.
William l. Richards 81, Christine
Lillian Nelson "a.
William Wishart 26, Alice Alberts
20.
John C. Ehlers "a, Della W. Dahl
o..
J. B. Schultz, 80, Edith Harbarth q.
Obert Garner %, Emma Becker 20.
Maurice Arneson 80, Ursa Brothers
26. %
Hedge Helgeson 80, Olena Haugen
10.
Claude E. Hunt %, Magdaline B.
Adams o..
Howard Haney %, May Forbes 20.
Johan Bergheim %, Nora Gabrielson
20. III
Melvin E. Granrud 21, Ida c. Mel.
son 26. s.t d. a-...a
Ole Edward Anohjen "a, Agnes Gran
rud 25., 5..~~.
BENZ. F. Toby 90, Goldie Anderson
%. -t. LIZ
w. M. Burget rs, Ruth Mullins 10.
Charles G. Palmer 21, Mary Ricke tt
49,. b.. e. -s9, E
Henry Mattel 80, Emma Schulz 20.
Ernest Frick 32,-Alma solberg IS.
Jason Dyer 81, Winnie Stevens %.
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1909-12-23
Interpreters Wanted =!

Public administrator IIovny is think.
ing of studying th-, languages ;r"t
TO-. tie sake of c )nysii:a:a. Ono nav
last week, he had business at Max in
connection with his Office, and it be-
came necessary for him to secure
four different Interpreters in the fol
lowing Languages: Bohemian, Rou.
manian, German and Russian. Clark
met also a couple Of lrishmen, but
managed to converse with them.
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1909-12-23
Dunaeviski Coming
Back

Prof. B. Dunaevski writes the Inde-
pc ndent from Plainview, Texas, where
he is director in music at the Central
Plains College. that he intends CON-
ing to Minot during the holidays to
settle up some unfinished business.
The professor says they are enjoying
fine weather in Texas.
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1909-12-23

z A. B. VanSlike. formerly engaged
in the plumbing business in Mfnot,
came down from his farm near Pad
dington, this week to visit old time
friends. Van is doing well at farming
and looks prosperous. -
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1909-12-23

FOR SALE-One complete threshing
outfit, Buffalo Pitts, run years.
Engine rs horse power, separator
capacity 4166 in good shape. Snap if
taken at once If interested call at
farm 9 miles south of Minot, section
3-155-S3, or write Minot, P. O., Thomas
Hegle. ,s 4t-wkly
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1909-12-23
Mill Now Uses Gas

John Davis. the Lansford druggist,
was a Minot visitor yesterday. John
says that gas is being used in the
-four mill at that place for heating the
boil rs. The gas does perfect work and
Lansford stands a good chance of be-
coming quite a little manufacturing
city.
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1909-12-23

4 Here is a fact that should be. con-
sidered by every farmer. The roads
along which weeds have been allowed
to grow, are now covered with a much
greater fall of snow than where the
weeds have been cut. Another reason
why the weeds along the public
highways should be cut: azaat
The Union National bank is dfstri-
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1909-12-23

butfne among its friends beautiful
calendars the picture upon which 'fs
q productfon of the painting by Fran
cts Day, entitled "The Critic" The
calendars are among the most beautf-
full we have ever seen.
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1909-12-23

4 Read Crows half price announce
ment in this issue. All suits and over
coats to be sold during the week OF
Dec. 9th at one half price. Grow
never carries over stock from one
season to another, and will close out
these lines regardless of cost. One
week only. Sale closes on Dec. 81.
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1909-12-23
THE EDITOR,

A school boys composition on 1.-THE
Editor" ran as follows: "The editor is
one of the happiest beggars in the
world. He can 60 to the circus in
the afternoon and evening without
paying farthing, also to inquests and
hangings He has free tickets to the
theatre, gets weddings cake (?) sent
to him and sometimes gets licked, but
not often as he can take it back in
the next issue, which he generally
does. While, other folks have to go
TO bed the editor can sit up and see
what is going on."-Ext F. sZ
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1909-12-23

FOUND-Sunday morning on the
streets of Minot, string of Rosary
e beads and cross. Call at this Office
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1909-12-23

The county commissioners conclud-
ed their December meeting Saturday
and will not meet again until January
3rd. ~
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1909-12-23

Overcoats and suits entire stock
at one half price, at Crows popular
one price store during the great clear
once sale, Dec. q to 81, only.
The Ward County independent. [volume] (Minot, Ward County, N.D.) 1902-1965, 1909-12-23

The crowds are flocking to J. M.
Wilson's great sale. Read his display
in today's issue and take advantage of
the wonderful bargains. ~
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1909-09-25

po.icyholders seeking relief from injustice could
establish their claims in court
Objection was made 10 the excessive number
Of policy forms used. which were varied with
the object Of attracting purchasers by attractive
titles. or by alleged liberality of provisions.
which in many cases seemed supposititious
rather than actual
JUGGLING OF ACCOUNTS
Annual statements of the companies 10 the
Insurance Department. it was said. did not al
ways show their actual conditions and opera
lions The existence was alleged Of secret ac
counts for improper purposes, and complaint
was brought that large sums were dispensed
without vouchers. that perfunCtory sales OF Sc
curities made at the close of the year and
corresponding purchases made soon after with
the object Of conCealing the fact that undesir-
able investments had been undertaken. and TO
permit the companies to make more favorable
report of their conditions than the facts war
ranted.
1t was brought forward that the supervision
of the Insurance Department had not proved a
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1909-09-25
BIG INSURANCE POLICIES.
Manu- Men Haze 1bOre 1900, 900
Protection on Lirfs.

Million dollar life insurance policies are rather
commonplace nowadays. They are not written
every week month. or even on an average
once q year for the companies have decided not
20 accept 81 much Insurance in lump in the
future: but stiu the time has passed when the
announcement that wealthy man has bought
100000 worth OF insurance on his life viii
create In insurance circles any pronounced sen
sation It has become the fashion for men who
can afford TO pay the large premiums called for
on policies aggregating this size 70 invest heaV-
lily in Insurance. Million dollar insurance is q
sign Of the times and the result OF the aceUmJI-
latiOn OF great fortunes. II has its place in tie
scheme of latter-dIy things in line with billion
dollar corporations and commercial and indus
trial enterprises involving hundreds OF millions
OF dollars.
George ". Vanderbilt purchased the first
S1O1OOO0 policy. He took 1t out in 1897. when
he was thirty-five years old II l. tVventy-pay--
ment life. twenty-year distribution policy. which
costs him $4,000 yearly for twenty years AZ
the end of that term he viii receive a paid-up
policy for 100000 and n dividend in cash.
BY that time he will have Paid out in pre-
miu1ns and interest at per cent compounded
nearly $lOSJOOO II his dividend is say.
$4,000. his Insurance will have cost him about
1892 a thousand. After the age of hfty-fve he
Will receive dividends as well upon his paid-u Up
policy.
l.. Rodmau Waram1ker. OF Philadelphia "a
credited with CIrryi ing more insurance than any
other man in the world He is insured for more
than 100000 in company alone His
yearly premiums on the $2N0O9O are $CSs 226
John Wauam1ker has policies in excess OF
Sl.'a'0OO0 and for many years he carried more
insurance than any otEvr American
Frank W. Peavey. OF Minneapolis. was the
second man IN this country to buy $1OG0G0
worth Of insurance. II was an ordinary Hre
hve-year distribution policy with premiums
pay able until death and dividends given every
five years. Mr.. Peavey was fifty when he took
out TIE insurance The annual premium vs.
S4S.;SS- After paying two premiums he died.
New York men are hSavlAinKest1rs in insur-
anCe. Among those " no carry large amounts
are; James c. Colgate. $l.JO060O: August Bel
mont. S6V1Vto; General Francis V. Greene
Se0tsO: John n. Crimmins. SSUhOoa. Plfnv
Fisk. 100000. the Fisk family total 3OO0ONO.
Chauncey NJ Dep,w ". S,'t0O0O: Edward I.auter-
bach. $RStSo, George W. Perkins. S2O0Olst
Gage r TarbelI. SJOoOtD and T. f. Smatherx
S:;;iIOOO
other Philadcl phIIns besides the WauamakerS
carry ample insurance upon their lives William
Burnham has 100000: Joseph r. DarIinpton
now deceased. had $4,000: r. V. DOurIass
S+t0OOo; T. v Aver. 100000: j. Horace Har5-
ing. SfOOttp: H. s. Kerbaugh, S5OOOq0. Randall
Morgan. StOOOG0: Charles T. SchOen. ST00Oa0
and William IL Scott. $4,000
Neither Mr. Carnegie nor John u Rockefey,-r
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1909-09-25

70 withhold from sale any OF their properties
were forbidden the companies.
Prohibition was made OF contributions TO po-
Itcal funds or for any political purposes The
law now provides that every person who Is
hired to promote or oppose the passage OF any
legislative measure or executive action upon
such measure or resolution must file with the
Secretary OF State. behalf Of the company for
which such service is rendered. sworn state
ment showing the items Of expense incurred,
with the names of those who received it and the
amounts given to each. None Of the money paid
for such assistance can be contingent upon the
Passage or defeat Of such legislation.
Provision has been made for decreasing the
cost of doing business by limiting the expense
of any policies written in any calendar year 10
the Ioadings on the first years premiums re-
ceyed during the year. together with the esti-
mated mortality savings on each during the
first five years according TO a prescribed rule
Total expenses are limited 10 the total loadings,
together with the assumed mortality gains for
the first five years. and One-fourth Of l per cent
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1909-09-25

mas his life insured The largest single pre-
MUM ever paid was S663O23 IS this bv A
man IN Los Angeles who purchased a life i'm
come for himself. his children and six grand
children.
1ohn "anauaker has been quoted as saving
'nae one OF The first things he did after he at
tanned his majority was TO insure his life.
Il was insurable." was the way ne reasoned
according to himself. "and accident or III health
might come at any time and render me non
ii'suFabie came TO the conclusion that life
insurance was one OF the best forms OF invest
,iieh'. because IL gave. after one payment. an
instant guarantee that might repay principal
and interest and more: that life insurance a,
'iie iohs run was saving fund that not onI,
saved but took average care of my deposits
ana took me into partnership in possible nro6,s
.ia' not infrequentiy returned principal and tn
'erest and profit: also. that an Investment =,
iie insurance was. regarded from the s,ana-
point OF quick termination. more profitable thai
any other Investment could mako.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1909-09-25
REAL ESTATE SOLD.

Obligations were laid upon the cotnpantes o.,
dispose of all real estate. excepting their home
offices and other buildings that may be re-
CURED for the transaction Of the COMPANIES
business. within five years after the acquire
ment of such property. or after IT shall cease TO
be necessary for company uses. and to sell
within five years all stocks held by them. e.-
cepting the bonds OF municipal corporations ana
government securities
The market value OF the stocks covered nv
this law was $139.0O0.O00. Investment IN
stocks participation In underwriting syndIcates
or joint purchases Of securities and agreements
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1909-09-25

sufficient protection against extravaganza and
bad administration. that there was no rule pro
viding for the frequency with which exanina-
lions should lie made: that the examinations
were not sufficiently rigorous 10 disclose abuses.
but had been confined chiefly to establishing the
solvency OF the companies: that had the Insur-
ano; Department done its duty the evils dis
closed by the investigation would have been dis
covered long before ana prevented much by
TINS as by Watchfulness by the policyholders
then gave them.
IL was thought remarkable that the companies
not only fourshed under the burden of their
handicaps but in spite of them. None Of the
companies was afflicted with all the defects
complained of, and the public and the agitators
were wrong in attributng to each company the
abuses that were scattered through the admin
istrations of many
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1909-09-25
no BONUSES ALLOWED.

~ BUM Sis ALLOW Ed.
Renewal expenses were limited to ; or ~ per
cent Tor hne years according 70 the nature of
the p"iH'y with the understanding that any com
MUTATION of the same shall be distributed through
three years and that not more than two-fftbs
be paid IN amy one year After the tenth year
OF Insurance. only per cent may be paid for the
CORRECTION on premiums. All bonuses prizes and
rewards 10 agents and all increased or addi-
uonal compensations and all loans and advances
excepting advances against compensation for the
first year Of insurance. were prohibited.
Salaries above s.. 600 q year must he a,tbo-.
lied by vote of the board of directors; no
agreement can be made for the compensation OF
any officer. director or employee for more than
one year. and no pension can be granted 20 any
officer or director. or to his family after his
death
The law regarding rebates was amended SO
as to make it misdemeanor either to give or
take rebates on policy premium
All participating policies issued after January
l. 1901 are entitled TO dividends of surplus an
nually as earned. Policies are now the entire
contracts. Statements OF the insured in the alb
sence OF fraud are regarded as representations
and not warranties. The issuing or circulating
of any estimates illustrations or statements
misrepresentng the terms of any policy or its
benefits or advantages is now 4 misdemeanor
The section of the lIw which required the CON-
sent or the Attorney General before a policy
holder could sue company has been repealed.
LIMITATION OF POWERS.
The contingency reserve or surplus OF anv
company has been limited to a certain propor-
uon of its policy liabilities This law was no,
drafted to apply to present Accommodations. hut
merely forbids their increase beyond the legal
percentage
Companies chartered in New York are for
hidden to issue both participating and non-par
ucipating policies. Domestic companies nnav
issue in any other state or country any form, 90
policy that Is within the Insurance laws
Additional responsibility has been placed uno,,
the Superintendent OF Insurance. whose dutv q,
now Is to examine every company at least once
every three years. or oftener if he deems IL ex
pedient He is also required 10 examine n com
psny upon the sworn statement of any stock
holder policyholder or Judgment debtor. pro-
vidins in the Superintendent's opinion the nrea-
entation of facts so sworn TO shall make s,cb an
examination advisable
10 aid In insuring compliance with the law n
was enacted that any corporation Or person vIo-
iatihs any provision OF the insurance law excent
"here such violation constitutes a felony shah
ia addition 10 any penalty otherwise prescribed
Tor such violation be guilty OF q mlsJemeanar
Under these reforms the life Insurance. com
panies have gone on with their work
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1909-09-25
RESOURCES WE'RE AMPLE.

1t was shown. also. that the large companies
against which the greatest volume of outcry was
directed, had more than ample funds to provide
for all obligations and emergencies. The money
that had been wasted or improperly disbursed
was in its totality very small in comparison
with the resources Of the companies and their
volume of business. While the dividends paid TO
pOlicyholders were less than the estimated in
come of deferred dividend policies still the
turns sufficiently profitable TO render that
form of insurance very attractive. and the show
ing made upon the matured policies was causing
Il yearly increasing number of persons to buy in
surance.
Prompt and efficacious remedies for the objec-
tionable conditions supplied by the I4egis-
lature after the conclusion OF the investigating
committees work. The first step toward the
accomplishment of reform was the legislatIng
out of Office of all officers of mutual companies
and the election of their successors under direc-
ton OF the Insurance Department.
PolicyhOlders were made eligible for places on
the boards of directors. regardless of whether
or not they held stock In the companies aud
provision was made whereby a stock company
may allow its policyholders TO vote for all or a
less number of It's directors. and also for the re-
trement OF its capital stock.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1909-09-25

upon mean invested assets as Investment ex