davidaulloa/AmericanStories huggingface dataset:
The Washington herald., 1911-02-05
Danger in Competitive Fire Rates.

Danger in Competitive Fire Rates.
The most important result of the in
vestigation by the New York Legislative
committee into the FIRE insurance situa-
ton in that State is the recommends
ton that the underwriting (rate-making)
associations be placed under the super
vision of the State superintendent of in
surance, who shall have power to pre-
vent discrimination, but not to make OF
to dictate rates. The committee bases
its decision on the fact that fire insur-
ance rates, from the nature of the risks
must not be competitive.
Schedule rating is defended by the
committee on the ground that it tends
to adjust premiums more closely to the
risks in each class, to. promote better
construction of buildings. and the adop-
ton of better safeguards against fire a.
being the best precautions for the safety
of the insured. Whatever promotes this
kind of improvement is taken to be a
general benefit, and so far as insurance
companies may contribute to it by con-
certed effort, they perform service to
the public as we'll as to their own inter-
ests.
Stability and reliability of rates are
quite as important in fire insurance as
in transportation. and rate cutting and
rate wars are quite as demoralizing. In
surance rates ought to be reckoned
among the regular items in the cost OF
carrying on modern business, and hence
they should be equitable as between the
insured and the insurers, which obvi-
ously, is impossible where there is COM
petition Some sort of combination or
agreement by means of exchanges or as
sociations may be necessary to h>> and
maintain rates. but if these are kept un-
der proper supervision and control they
cannot become oppressive. On the other
hand, competition tends to sacrifice the
weaker companies to the more power
full, and to add to the risk of loss from
fire that of loss from a possible failure
of the underwater. Cheapening of in
surance by rate competition, therefore
can only be temporary. and may be affect
ed bv an increase in the chance for
losses
1t appears that the advantages of as
sociation and cooperation in this kind
of insurance greatly outweigh any pos
sble injury that might come from it. il
any.
The Washington herald., 1911-02-05
Passing Of the "Top" Hat.

The passing of the top hat in England
is sure sign that that nation is in the
throes of revolution. peaceful but far
reaching and profound. No country on
the face of the globe has been slave
to the top hat to such a great extent
as England during the past CEN
tury. Everybody wore one-high or
low, young or old. Now the clerks
have eschewed the top hat, professional
men no longer affect it. and its main
stay, the London cabbies, Scorn it.
The latter-day axiom that the nation
which lowers its headgear raises its
civilization is thus shown to be true.
after all. At any rate, the top hat al
ways was and still is pretentious fraud.
While it pretended to denote respecta-
bility. it was, in fact, the reverse This
has been proved by explorers. Show a
top hat to King Hullabaloo, and he
would barter his harem for it. 1t has
invariably caught the aboriginal eye for
beauty. As worn by civilized men OF
to-day it is a piece of atavism. and the
only voice raised in its defense is the
voice of the halter.
There were no top hats to encircle the
temples of the inspired men of the Mid
die Ages. Before the top hat was
clamped upon the brow of John Bull,
England was 'merrie" England; and so
she may be again when she has kicked
the last top hat into the Channel.
The Washington herald., 1911-02-05
Saved by the Vice President.

The outlook for the passage of any
bill giving Federal aid to an, American
merchant marine is not encouraging.
The Gallinger, bill, restored practically
to the form in which it came over from
last session, and including lines to China,
Japan, Australia. and the Philippines,
was saved from defeat in the Senate
Thursday afternoon only by the casting
vote of the Vice President. Thirteen
Republican Senators, all from the West,
voted against it, making the tie which
the presiding officer broke. Opposition
against ship subsidy under any name is
both partisan and sectional The Demo-
Gratis are massed against it and have had
strong contingent of Western Repub-
lican Senators in alliance with them
The latter. greatly to the chagrin of Mr.
Gallinger, declare that it makes no diff
ference under what flag American
products are exported. as long as they
are carried at the lowest rates. The fear
of sfipbuilding trust is another OBJ
stacle
The valedictory of the Senator from
New Hampshire when the bill which for
many years he has fathered III the Sen
ate went to the vote was pathetic:
81 have done the best | could, and
this is the last effort | shall make in
this direction If this legislation fails.
it will be a long time before anything
more will be done to place our flag upon
the seas and restore the prestige OF
American shipping
This utterance, perhaps more than any
thing else. prompted the Vice President
TO break the tie, thing that has been
done only very rarely by his predeces-
sors. In fact. Mr.. Sherman has made a
record all for himself by thus far break
ing three ties in the Senate. But we
fear that the triumph of the veteran
Senator will be short-lived Subsidy bills
have passed the Senate before, even by
a much larger vote and with more lib
eral provision for American shipping,
only to be rejected by the House. There
is no apparent evidence of a growing
sentiment in its favor in the lower
branch at the present time.
Restricting the carrying of mails on
ocean routes to vessels constructed in
the United States and operated under
American registry, with our, present
navigation laws and our present tariff,
must make such service more costly,
for the reason that these vessels
and their operation cost so much more
than If running under foreign flags.
The promotion and development of for
eign trade calls for the cheapest and
most efficient means of transportation.
Under present conditions, the best mail
service can be obtained at far kss cost
from foreign shipping than frcm Amer
lean. for reasons that are peEjeetIy wen
understood. =. IS
The greater cost Of usis,g IL strii-
| lean shippiag : h soie 3Sl> q r.
The Washington herald., 1911-02-05
Fish that Eat Oysters.

From the London Gooe.
As result of recent investigations. T..
Souhtwell finds that the fishes most de-
structive to pearl oysters are those COM
monty known as globe fish.
Another fish belonging to the group
known as Pagrina is seldom or never
found without oysters in its stomach.
The larger species Of rays and sharks
are suspected OF committing great raw
ages in the oyster beds. but hitherto Mr..
Southwell has not been able to convict
them by finding oysters inside them.
The Washington herald., 1911-02-05
Carries His Own Fly Paper.

From the Kansas City Star.
A seat near the radiator was the only
one vacant in the waiting-room Of the
Union Depot when an old man came in
carrying several packages. He laid all
his bundles beside the seat, then he
picked up one. long, square package.
and looked about in perplexity.
II don't dare to get this near those
steam pipes" he explained to the usher.
you see. it's fly paper, and the direc-
tions say to keep in cool place. 1 got
ii to take with me to Mexico. I wasn't
sure I could get any there, an I wanted
to be prepared. Flies bother me and
Like to swat my share OF them"
The Washington herald., 1911-02-05

Was there ever case more elegantly
stated? Prof. Muensterberg, Of Harvard,
the other night told an audience at Ber-
lin that the majority OF divorces in this
country are not due to moral turpi-
tude'' but to incompatibility OF temper
between more highly and less highly cul-
tivated natures.
The Washington herald., 1911-02-05
Youngest Great-Erandnother.

From the Baltimore Sun.
North Carolina has the youngest
grandfather in the country, and now
comes to the front with the youngest
great-grandmother.
She is Mrs Addie Ward, Of Meckien-
burg County, and was forty-six years
old in December Her daughter is Mrs.
A. ]. Lawing, thirty-two years old, the
grandmother; her granddaughter lis Mrs.
w. A. Adams. fifteen years old. the
mother of the great-granddaughter
Beulah Adams, nine months old.
The Washington herald., 1911-02-05
Caught Fish on the Fly.

From the indianapolis News
The prize fish story Of Indiana for the
year 1911 Is claimed by Gary. The Mich
igan Central flyer. the Wolverine. was
delayed for two hours the other day east
OF the city. when the locomotive. taking
water -on the n.y." also scooped up a
number Of ash. This brought the train
to a slow speed, and when the Engineer
renssyed the piston from the condenser
he found, more than twenty sounds u
nsh. Siss,s iss
4 menth ago ash ciogged up the intake
et he 0a<y rail miil and tied - ~
tsloF t. sssera, hssEa 5
The Washington herald., 1911-02-05

II really does not make so much diff
ference as TO who sits in the guberna-
torial chair of New Jersey, as long as
Woodrow Wilson is the champion of the
people of that State.
The Washington herald., 1911-02-05

An Eastern farmer clans to have a
plum tree that yields an average Of 500
plums a week during the season. Pity
they are not political plums!
The Washington herald., 1911-02-05

The Democrats in Congress may force
an extra session by blocking the Presi-
dents scheme to expend some l2COO 900
for Panama fortificationS.
The Washington herald., 1911-02-05

King George of England suing an editor
for libel-never mind the merits of the
case, as the lawyers would say-makes
the finest kind of a story for the news
editor
The Washington herald., 1911-02-05

A Chicago girl offers to wed any man
who will give her brother 5000 to build
an aeroplane. What may be her Crouch
against her brother?
The Washington herald., 1911-02-05

What is the most beautiful line in the
English language" asks an exchange.
Why. that is easy. Our guess is: In
closed please find check &c.
The Washington herald., 1911-02-05

Why is it that people will still insist
upon getting lower berths. despite the
reduction in the price of upper berths?
The Washington herald., 1911-02-05
unemployment, and the way to eneour-
age its use is to reduce that cost so far
as it is caused by restrictive laws.

It is one point of view that any prise
fight in place where prize fights are
forbidden In q boxing match.
The Washington herald., 1911-02-05

1t is one thing in Indiana to enact
an anti-treating law, but quite another
to enforce it.
The Washington herald., 1911-02-05

New Orleans is not likely to bet on q
"sure thing in a hurry again.
The Washington herald., 1911-02-05
A LITTLE NONSENSE,
ACTION TOO RAPID.

ACTION TOO RAPID.
The man who's seen the play
And gives you such a jar,
Has f1ourished since the day
When Thespis was star.
He always has things pat,
Would tell you how they go.
But you'll not find him at
A moving-picture show.
Such shows have fixed his tribe
In no uncertain way.
There's no time to describe
moving-picture play. y
Held His Ground.
Can you put my advertisement on the
baseball pager"
Nix
But my competitor has good space
there
We'll, he stuck to the baseball page
all winter
Queer Fellow.
rs your fiance fcxactins?'
.'Oh, very. He doesn't want me to be
engaged to anybody else
Live and Learn.
What is this feed stuff?" inquired the
city visitor
That explained the farmer. sis al
faifa."
We'll, well! I always thought alfalfa
was a slang term for whiskers.'
Robins in February.
The robins figure in the press
While yet the skies are dark.
When skies grow bluer, more or less.
We see 'em in the park.
RialtO Chat.
''Helf the managers on Broadway owe
me money! declared Susan Brett.
Back salary or slimony?" inquired
In SwagGer Life.
.'Your new butler seems clumsy"
For butler. yes. But he may be y
detective that my wife has engaged.
In that case. think he waltz ON table
fairly WE'LL
The Latest Bxeuse.
"How II II that you always blow up in
the fourth ipains!" demanded xhe man.
ager. ~ S
"fxwss On ~ stess al winter. J. a.
p,aI1ed ~ ~ .sen1 ~ esans ~
Z ~ e! =, ~ Z. Z Sess Z
The Washington herald., 1911-02-05
RialtO Chat.

Half the managers on Broadway owe
me money" declared Susan Brett.
Back salary or alimony?" inquired
Yorick Hamm.
The Washington herald., 1911-02-05
In swag9er Life.

..Your new butler seems clumsy
For q butler. yes. But he may be ~
detective that my wife has engaged.
In that case. think he waits on table
fairly we'll"
The Washington herald., 1911-02-05
The I.atest Excess.

"How h IT that yor always blow up In
the fourth ipnins :" demanded xhe man,
aser. - y = q
sfxwss On ~ stess all winter. =. ers
gssIssa " p!1s .asa1 ~ esas ~
The Washington herald., 1911-02-05
Robins I'm February

The robins figure in the press
While yet the skies are dark.
When skies grow bluer, more or les
We see 'em in the park.
The Washington herald., 1911-02-05
Good Batting Average.

oOOO "SSAeeSe
Lieut. walther Samhammer, of Deutsch-
land, is at the Shoreham. The big SOL
dier is in this country to see the sights.
He Is no four-dusher when 1t comes to
tales of war and acts of valor. He gloats
over five deep crimson gashes on his
left cheek and forearm and hst IKE
the last part of his name.
IT fight because I love to fight, said
the son of Mars. although have fought
but one duel for love-" Five Of his bat
ties were fought while student at Held
elberg University. and the rest of them
during his first enlistment in the army.
which he entered in 1907.
II have what you Americans CAL .
pretty good batting average" continued
the lieutenant II have fought nine duels.
I have won Ave. lost two. and drawn
twice. because both of us in the last case
were disabled So you see that gives mo
a hating average of lot more than .do9
which understand is considered spiendid
in this country.
When asked about the two battles thaS
he lost, Lieut. Samhamner refused to go
into details. further than to say: Il lost
them--thats all there's to It: and that's
the end
The Washington herald., 1911-02-05
Grace Before Meat.

Ex-Mayor Mcclellan. of New York. dis
cussinx urban architecture at . luncheon
recently. said: 'T fear that with all our
skyscrapers we may be developing sky
scraper taste fear We are apt to think
height 10 The criterion OF buildings ex-
cellence.' &c. ~.
He Who thinks that -, Of coursa -
foolish a. the Zulu who admiree woman
according TO her weight. Thef Zulu can
respect 9oo-peund woman. but II y only
co or 10 pound one that he can really
love. Ne eelightened lsreoee = The
The Washington herald., 1911-02-05
Live and Learn.

What is this feed stuff?" inquired the
city visitor.
That explained the farmer. sis al
faifa."
We'll, well. / always thought alfalfa
was a slang term for whiskers."
The Washington herald., 1911-02-05

vote. On either an initiative or a refer
endum measure a favorable vote by a
majority of those voting on the question
carries the question and enacts it into
law without further for,nalities. The OBJ
lection that this permits a minority of
the people to enact law If a consider
able percentage of the voters fail to vote
on a. measure opens a wide field Of dis
cussion The answer made by the
friends of the initiatiye and referendum
is that a voter who does not take enough
interest in public affairs to vote on any
proposition is not entitled to considera-
ton, and that II is equally possible under
any existing political system for a MI
nority of the voters to elect any public
official IL a considerable percentage fail
to vote.
The full text of every question sub
mitted to the people, with q brief argu.
msnt by its supporters and. one by its
opponents, lie required under the Oregon
law to be printed by the secretary, OF
state and a copy furnished to every
voter fifty-five days before election. Fou,
months must elapse between the filing oi
the petitions and the election. giving time
for every voter to become thoroughly IA
miliar with the questions
Sixty-four questions, the great majority
of which originated with the people and
were submitted on initiative petitions
have been voted on in Oregon since the
initiative and referendum became part Of
the State constitution. Thirty-one OF them
have been adopted. Thirty-two OF them
came up at one election. 10 1slQ The
original initiative and referendum
amendment was adopted BY vote ol
g, ,oef to 5,sse. = per cent of the. voter,
who voted for suvernor n that tizpe vot.
iag on the 6roposiL AZ the nrst gepefa!
siectIon Following that or lsok . Der cent
of the voters voted On = loael option
Au0er hIll Wkich was cafyie1 ~ 4l14
Ess1 2 ~ eee - : N1ssee sslnssy 49, l:s
The Washington herald., 1911-02-05

OTdpcO III Ine IaTteT &uCeti
Victoria is represented at the age Of forty,
attired in regal robes. The faces of the
Queen and the prince are inclined to-
ward each other, making a singuiarly
touching figure.
King Edward did q good deal toward
beautifying the mausoleum. Among his
improvements are several exquisite stain
ed glass windows, dedicated to the MEM
ory Of Queen Victoria. the Empress
Frederick, Princess Alice. Prince Alfred,
and Prince Leopold. the Queens children.
The decision Of Bishop Ryle. of Win
chester. to relinquish that see in favor
Of the deanery of Westminster means
that he. will be called upon to undertake
some very important duties in connection
with the coronation next June. A day or
two prior to the. actual ceremonies the
royal regalia is delivered into the custody
of the dean and chapter of the abbey.
who are held responsible for its safe
keeping until such time as 1t Is returned
to Its accustomed resting place In the
Tower OF London.
This b q grave responsibility. and aft
es the croWning Of the late King Ed
ward Dean Bradley asserted to q friend
that he had not been able TO sleep wink
during the whole time/that the reaSiia
was under his guardianship.
At the actual coronation the Dean OF
Westminster plays . very important part,
acting as chief assistant to the Arch
bishop Of Canterbury and Investing the
sovereign with the regal vestments. He.
also. II responsible for .he Instruction Of
the King and Queen into their duties dur
|ine the ceremony, ~ well rs for the
whole ~ the arrangements for the actual
coud,act of tha religious service In the
f1bney. Thus. when the new dean be-
(G116 ~ outiea about Baster he Win md
khle 80 kn1ly t1igm NJ for Menehs 4
The Washington herald., 1911-02-05
4 Queer Fellow.

Queer Fellow.
rs your fiance fcxactins?'
"Oh, very. He doesn't want me to b<
engaged to anybody else
The Hawaiian gazette., 1911-03-24
ISLAND FOLKS IN
Los ANGELES ACTIVE

Los ANGELES, March 1O.-That the
Hawaiian Islands should demand rep.
.resentation in the Federation of State
organizations is complimentary to
southern California. A preliminary
meeting of the Hawaii Society was held
yesterday at 55S South Spring street,
in the office of the local island rep.
resentative.
ANY former resident of any of the
Hawaiian Islands may join this society,
and it is hoped that the Hawaiian table
at the banquet of the Federation Of
State organizations will be not only un-
usual in its force and effectiveness, but
complete in its attendance. The fol
lowing members of the newly-fOrmed
organization will attend: Mr.. and Mrs.
Edward L. Seovill, Mrs. @. L. Sylvester,
Mr.. aud Mrs. 4. +. Davidson, L. G.
Hooker, Mrs. John Ena, Mrs. Emily
Adams, Mr.. and Mrs. Sinclair Bidgood
Mr.. and Mrs. Thomas Southwiek, Mr.
and Mrs. Edward Mossman and Frances
X. Headlee.
The organization will be completed
and officers elected at a later date.
The Hawaiian gazette., 1911-03-24
Japan Not Aimed
at in Maneuvers

WASHINGTON, March s2.-That
the United States has no fear that
japan may attempt to take advantage
of the present situation in Mexico and
that the "maneuvers" were not origi-
mated as hint for Japan to keep out
of Mexico, was made evident today,
when Ambassador Y. Uchida of Japan
called at the White House upon invi-
tation of President Taft. The Presi-
dent assured him that reports that the
troops were sent to the Mexican Dor
der in anticipation of possible treach-
erous act on the part of Japan are alb
solutely without foundation. The Presi-
dent stated emphatically that these re-
ports are inexcusable and requested
the ambassador to communicate the
statement to the Emperor of Japan, to
qaiet the sensational rumors that have
arisen.
One of the reports in circulation
was to the effect that Mexico was
about to grant Japan naval base near
the Pacific terminus of the Tehuan.
tepec railroad, and to agree to allow
transportation of supplies over the rail.
road to the Atlantic Coast in the event
of hostilities between Japan and any
other power.
The Hawaiian gazette., 1911-03-24
SWINDLER
FREE MAN AGAIN

ATLANTA, Georgia, March 9S.-
Capt. Benjamin Greene, who was SEN
fenced in April, 1906. in company with
Captain Gaynor, for defrauding the
government in connection with the Sa-
vannah Harbor contract, completed his
sentence yesterday and was released,
after taking the pauper's oath that he
was unable to pay the large fine inn
posed in addition to the jail sentence.
Greene and Gaynor, in collision with
Lieutenant Carter of the army engi-
neers' department., succeeded in robbing
the government out of total of 1922
600, Carter handling the specifications
and bids for harbor work and Greene
and Gaynor being contractors. The
game was kept up from 1892 until 1897,
when Carter was arrested and his ae-
completes fed. They were discovered
in Montreal, Quebec, in 1905. Their ex-
tradition fight was one of the greatest
legal battles ever seen in the Canadian
courts.
The Hawaiian gazette., 1911-03-24
AMERICAN TROOPS
ARE FIRED UPON
RIFLES or rnDHnAns Am
xunNRD A0foss THE
mo onANDn.

Preside, Texas, March %. - Bull
lets from the rides Of The federal gar
rison Of the Mexican town Of Oiinaga,
lust across the Rio Grande, few among
the American troops in station here yes
terday, the guns Of the garrison being,
apparently, cred Intentionally this way.
Many bullets fell in the camp and town,
but no soldier was struck. A Mexican
boy, who was visiting the American
camp, was wounded.
The reyOlutionists are pressing the
garrison hard, and further demands
upon the federal commander to surren-
der were sent in yesterday.
Lake Knight Of Old.
PREsIDIo, Texas, March IS. - Like
herald Of lnighthood days, an insur.
gent rider rode beneath the adobe walls
Of Ojinaga yesterday, challenging the
garrison to come into the open and DC
battle. He was answered by volley
of Mauser bullets, but galloped away
unhurt, hooking the government sol
diers. Three times has Jose de la Crus
Sanchez written to General Lique ask
ing him to bring his troops outside OF
town, in order to avoid the killing OF
noncombatants, and today the spectacu
lar messenger delivered the oral chal
lenge under the guns Of six hundred
armed soldiers.
The garrison at 0jinaga is in des
perate straits. General Lique is still
hoping for reinforcements, but none hal
| been ordered to his relief.
The Hawaiian gazette., 1911-03-24
BUSINESS MAN may Be CONNECTED UP WITH
some OF SCHARLINS OPIUM IMPORTATION

Important developments in the Schar.
lin opium seizure case may be devel-
oped presently, under the investiga-
tions Of the federal authorities, involv-
ing prominent local man.
Since the seizure of $4,000 worth Of
opium, which was brought from San
Francisco to Honolulu on the steamship
Lurline, consigned as freight to N.
Scharlin, the authorities have been con.
Meeting up local business man with
some Of the deals, and the investiga-
ton may result in an exposure which