davidaulloa/AmericanStories huggingface dataset:
The Washington herald., 1911-08-20
Some Small Oversights on the Part of Policy
Holders Which Will Invalidate
Their Protection.

The alert young man announced him.
self as representing the board Of under
writer's. He had come to look over the
premises insured by the tenant
Help yourself said the tenant, and
went on with his work.
The alert young man scarcely moved
from the position in which he stood
when he first made known his errand,
but the keen eyes behind the glasses
took in every detail of the place. He
went away as quietly as he had entered
and the busy man at the desk scarcely
raised his eyes on response to the others
good day"
Three weeks later the Insurance pre-
MUM had to be paid. The rate was
higher than before.
''Hcw's that?' asked the tenant of
the agent. Don't know why replied
the agent. That's the rate they made
at the Office. Possibly the agent of the
board of underwriters has been here
All, he did call, did he? Well, that ex-
plains it. He saw you We're violating
some rule of the policy. No, 1 can't tell
You which. Have you ever read the
small print at the foot of the policy?
No; l thought so. No one reads it until
they find it makes a difference to their
premiums whether or not they observe
the rules laid down. Or perhaps, they
have fire and then learn to their sor-
row that they get nothing from the COM
pany because the fire resulted from a
nonobservance of some one of the rules,
to observe which the assured had agreed
over his signature"
No One Reads Policy.
1t isn't the business of the agent or
any one else to warn the assured of the
risk he runs by neglecting to read the
small print at the bottom of the policy
and 10 follow out the rules there set
down. 1t is the business of the policy
holder to read them and follow them
out for himself. But, as the agent re-
marked. no one reads the policy, and
That is why the millions of men and
women who pay premiums to insurance
companies are risking the insurance
money for want of a little care.
The habit of the American man and
woman is to take things for granted
To point out the danger of this so far
as the insurance policy is concerned. the
writer consulted one of the most emf
nent authorities on insurance in the
country and learned that all this author
ity could say was read the small print
On the policy-it covers the whole
ground"
Perhaps the commonest lack of pre-
caution is to be laid at the closed doors
of those who go out of town during the
summer months and forget to get the
insurance company's sanction. Entire
rows of houses are to be found with
the windows bearded up at this season.
The family is away. Their firm belief
Is that should fire occur in their alb
sence the insurance company will have
to bear the loss. But this is not so. The
small print in the policy will be found
to give ample protection to the company
In these words: IF the building =
be or become vacant or unoccupied and
so remain for ten days
So, Mr.. Householder, if you have been
away from home with the house shut up
The Washington herald., 1911-08-20
LANGUAGE A La D1xEY

Henry E. Dixey, at luncheon in New
York, praised the honeymoon special, y
the automobile. route between Chicago
and New York.
This routes only drawback" he said
lies in the fact that you can't take much
luggage with you. Your luggage, in fact
must be almost as limited as Grog's.
"Grog had been contemplating visit
to the seashore over the Fourth, and a
couple of days after the Fourth I met
Kim on the Rialto.
Well. Grog, old boy I said, did you
enjoy yourself at the shore?'
"'Yes; fine.' said he; only I lost my
luggage
Lost your luggage? How was that?'
asked.
"'The cork came OUT he explained.
The Washington herald., 1911-08-20

the road again with his rope. Your
honor he said in departing, business
Is pretty brisk
Catch EN- replied, and I'll do the
rest
Catches n Broker from Boston.
Within an hour John had come back
with man. his wife, and his daughter
cotton broker from Boston and the
president of an automobile club in that
neighborhood. He was nice man and
began to explain. Wanted to spend the
night at Albany, and evening was COM
ing on. Told his wife 10 read the warn
ing signs as they went along. Hold on.
1 said, If you bring your wife into this
I'll soak you for 500. No Adam tactics
under this apple tree. If you are manly
and take all the blame yourself I'll fine
you $50, because this is $50 court He
dug up s12 and I let him off. After he
got home he wrote me- beautiful letter
and gave me a recommendation all over
New England. BE decent he said,
while going through Akin, don't sass
the judge. and you'll be all right
so ! stopped the scorching business.
The money I collected is still in bank.
waiting for ruling by the attorney
general of the State. 1 wasn't after
money. / don't need money. Meanwhiie,
as learned afterward, the farmers were
tickled to death. The fool auto
mobilists who were soaring their
horses and killing their poultry were
promptly getting necked by Doc Akin.
Also, they laughed about the kibosh I
worked on the New York Central. They
remembered, too, that l brought the
trolley line to time.
"The trolley company ran three bright,
high potential wires, each carrying L, 800
volts of electricity, across the ground
where I. later built my house. Oh. yes;
they would take them down, but they
never did. I notified them and they
smiled in my face. One morning / ran
my automobile on and between their
double tracks. A big interurban car came
one way. Then one came the other way.
Then more piled up behind. I was well
acquainted with the men. Boys I said,
this isn't your fight. I am after the
galoots at Gloversville who are higher
up. Just stand where you are and let
old Doc alone
But they asked. won't you back up
and let us pass?'
back up. and I am not going ahead in
this case
Then Doe HIT Him ON the Head.
"A teiepuOne IncSSdSe DTOuSnt the Su-
perintendent and a gang OF men. You
little catfish I said. let me warn you
not to touch me or lay hands on my
machine. II you do. I'll make you look
like half dollar less than 30 cents. The
superintendent roared like a bull and
charged me at the head Of his men.
rose up and hit him on the head, straight
down on the top Of his hat with a piece
Of rubber hose. After he came to he
sent for the president Of the line. / sat
still. Papers were finally written and
signed. whereupon. INcranked up my
machine and in q day or two the wires
were down.
"By this time old Doc had become au
fait at the game Of putting the blocks
to sinsoient corporations. People were
talking. The Erie Canal is just across
the Mohawk River It's run principally
by misnts and political dcrelicts. Walt
Riley had good old mother. She was
kind to me when was boy. and is
kind to everybody. ] knew that she
Was poor, III. and crippled. + went 10
John X 6tewart The local bess In poll.
The Washington herald., 1911-08-20
YOU MAY BE INSURED AGAINST FIRE.
BUT ARE YOU OBSERVING THE RULES?

but if they will stop work long enough
to read it they will see that no work is
allowed on their premises after 10 o'clock
at night. The policy expressly says so.
1t also says that the policy is void IL
the factory is not operated during a
period Of ten days. If the manufacturer
has strike on his premises it is just as
well to notify the insurance company.
Then there are various things that the
policy holder thinks the policy covers.
but which the policy does ot~cover at
all. He had better keep his savings or
his recount for the bank in his pocket
and run the risk Of being robbed IL he
puts 1t where it is likely to be destroyed
in fire, for the policy does not insure
currency. Neither does 1t cover those ex-
pensive awnings. They are outside the
building and must be the subject OF a
The Washington herald., 1911-08-20

! for more than ten days and your property
burns you cannot hold the insurance
company for it. But what IL Mr.. House
holder comes up to town once a week or
so and goes home to sleep in his unoccu-
pied house for the night? According to
the authority referred to it makes no diff
ference. The family being away and the
house shut up, the policy is void if the
absence extends over longer period than
ten days. You should have obtained a
permit from the company and tackled it
to your policy. Better go home and do
it to-day.
Then those workmen in the house. They
are altering the store or changing the
position of window, or doing some one
of the many things that a fussy house
owner has done from time to time. If it
is small job and soon over. all is well.
but if the workmen are there for more
than fifteen days and the insurance peo-
pie don't know about it, good-by to your
policy. 1t is all there in black and white:
If mechanics be employed in building,
altering, or repairing the within described
premises for more than fifteen days at
any one time" As many people take ad-
vantage of the absence of the family at
this time of the year to have repairs and
alterations done, it is timely to sound a
note of warning; see that the insurance
company is notified of your intention to
have the work done.
Rule Against Explosives.
The alert young man referred to in the
opening paragraph had seen bottle of
benzine in a corner on a shelf. That was
all. 1t was enough. The benzine should
have been outside the window, on the
sill
1t is unnecessary to quote the long
clause about the keeping of explosives
in the house. Benzine, commonly used in
households for cleaning purposes, must
not be kept on the premises if the policy
holder wishes to be on good terms with
the insurance company. 1t is quoted in
the policy with gunpowder, dynamite, and
nitroglycerin, so that it may be seen
how the insurance companies regard its
infiammable properties.
Tell this to your wife: When the plumb
ers come to fix a leaky pipe they often
have to come back the next day to finish
the job. Some cynics say they always
come back the next day to finish a job,
no matter how small a job it may be.
Be that as it may the plumber will al
most always leave his tools behind him.
and with them his furnace for heating
the soldering irons. When he does this
just pick it up and put it in the yard.
Don't have it in the house overnight. If
You do, you will be guilty of negligence
that will make Ii possible for the COM
pany to refuse to pay the insurance
money in the event of a fire. You cannot
insure your property and then say, No
matter. the company will have to pay in
case of fire. There is a clear line of
duty on the part of the assured, and neg
lect to take proper precautions will
surely result in loss to the assured in
stead of to the COMPANY.
How frequently one sees a manufac
turing establishment with the windows
ablaze with light late at night. The firm
is catching up on rush orders and the
force is hard at it until midnight or later.
The responsible heads of the firm are too
busy to think of their insurance policy,
The Washington herald., 1911-08-20
Celebrated Viennese Musician Will Conduct
His New Operetta, Gypsy Love, at
American Premiere.

The announcement that Franz Lehar.
famous in this country and Europe for
his music in "The Merry Willow" will
conduct the premiere of his Gypsy
Love" in New York City this fall means
that the hard-working little Hungarian
The Washington herald., 1911-08-20

things. But why enumerate? AS the au-
tf1rity referred to said: the policy shows
you what is insured. Read that small
print, and don't take anything for
The Washington herald., 1911-08-20
Collar Notes Washed Out.
Seek Credit for Peace Pact.

From the Baltimore Sun.
On Thursday Mr.. Pulitzer blazoned the
statement over his paper that he had
brought about the international peace
treaty; yesterday Mr.. Hearst announced
through his columns that he had suggest
ed It. Mr.. Carnegie will have to give
'em both medals-leather ones.
The Guthrie daily leader. [volume] (Guthrie, Okla.) 1893-1996, 1911-08-11
sEFRlENplNe ouR OLD

HENp, NES
What is done In some cases can
never be undone. and che people ol
this country had settled down regret
fully With the conviction that Amer
lea was named by mistake for a man
who described d. rather than tor The
man who discovered IT, Now comes
a scholar OF international reputation.
Dr. Ricardo Palma. OF Peru who ad-
vauces sound arguments for dif.
fefent view OF the matter HIS con
tentioa is that Hospueois name was
never "Amerig0 but AlbemCo.
that Nespucci got his name from the
country he described rather than
that the county got its name from
him. Or. Palma asserts that "Am-
erica is the name of the place IN
Nicaragua where Vespucci landed,
and that it is the designation 90 this
day OF a mountain chain In that count
try The name. therefore. rs OF Am
erican origin aud Is not derived from
Nespucci whose given name was "Al
berico Nespuccl was niclmamed
Amerlgof according 10 this theory.
because he described a country hy
that name, just as "Deadwood Dick
aad Arizona Pete are modern pseu.
donyms Dr. Palma asserts 5hat In no
port OF Europe was "Amerigo" or
Americus a given uame. either tor
man or woman Besides. discoverers
give their suinames. not their given
names TO the lands they discover.
such as Van ieman's Land. Vancov.
srs Island and so on. No land or ne
sion IS named fer The given hame OF
Columbus. Colon. OF Columbia. is de-
rived from his surnames.
Dr Palmer's contention is not with
out force or plausibility u NAV be
hat after all. America is truly
American name Ia that. case. how
ever it is painful 10 reflect upon the
load Of ohloquy that has
attached to the name and fame of our
1ld friend Nespucci throughout the
many years since be vanished from
he scenes OF his earthly exploits
The Guthrie daily leader. [volume] (Guthrie, Okla.) 1893-1996, 1911-08-11
SCIENCE or RAISING HENS.

The monetary commission may
never report and the tariff commits
sion never get beyond the paper
schedule. but that's nothing now that
a way has been found TO dig deep into
real big question Of the times which
is this:
How many eggs ought q public.
spirited selfTespecting and able
bodied hen lay IN the course OF a
year,
This matter is not as simple as 70
looks on the face Of il i involves
the question Of how the hen suouiu
be fed, how she should be housed.
and most important Of ALL as 10
whether breeding is Of any account or
whether the old Scrub hen can get
away with the medal IN fact. it in-
wolves the whole science OF raising
hens.
The Missouri state poultry expert
ment station has tackled the problem.
1t viii carry on an egglaylng contest
over a period OF a year All kinds OF
hens. ali kinds Of feed. all kinds OF
coops. and no coops, viii De- put TO
the acid test
In the meantime the world viii
watch and wait We have got 70 have
eggs and fried chicken wha}f,T we
have currency reform and Arin re
vision or not. and old Missouri Is
doing the biggest thing she ever did
il establishing her hen university
The Guthrie daily leader. [volume] (Guthrie, Okla.) 1893-1996, 1911-08-11
HoUNDs-A DREAM SHATTERED.

| HoUNDS--A DREAM SHATTERED
Another idol is shattered The
bloodhound "aint For authority the
following is reproduced from the
Dallas News
The bloodhound, which was mace
70 play, If not the hero's al ieast a
conspicuous role in Mrs Harriet
Beecher Stoves dramatized mover,
was myth We say this On the au-
thority OF Mr.. X. X Craig OF Dallas,
who joins In the ineonoclastic work
OF destroying the popular notion ais
to bloodhounds 4Iconoclasm writes
Mr. Craig. is a vicious habit as a
rule but there are some images that
ought to be broken. and the blood
hound fake is one of them Then he
goes on TO write very eruditely about
hounds as follows. Runaway ne
groeg were hu1ted with hounds but
they were black an.a tan, or otherwise
colored, for our deer hounds, trained
from nuppyhood TO scent negroes
exclusively They were not even
called bloodhounds. they were simply
nigger dogs. They usually treed the
negro on whose trail they started, and
II was as hard for HAM to throw them
Oft as 1t was the willy fox to throw
off their ancestors. Mrs. stoves
bloodhound couldn't have followed
Eliza forty yards iii the dark Mrs
Stowe, who drew on her imagination
tor most OF her fafls. was. with ref
erence to bioodhounds like the mod
ern sheriff misled by the name
The bloodhound Is not. and never
was. man hunter He prefers his
meat cooked The name is an abb
breviation of hlooded hound Dog
historians say that some ancient
monks bred the STRATA and made it
one OF their religious duties to keep
the blood nnre and uncontamnated.
without crosses What use they had
or made of them, other than as con.-
panions, does NOT appear But they
became known as blooded hounds
or hounds Of pure blood They have
been bred for many generations sole.
ly for bench show purposes. and
whatever hunting or training in
stiacts their ancestors may have
had have been bred out iI the effort
10 produce more wrinkles in the
face and a more exaggerated head
and ears. Il is doubtful il one bf
them could scent q frightened pole.
cat The average sheriffs pack is
made up of a cross Of this blood
hound or the common hound Hence
y is a dismal failure on a manhunt
NOwi
The Guthrie daily leader. [volume] (Guthrie, Okla.) 1893-1996, 1911-08-11
BEWARE OF OlNTMENTS FOR. CA
TARRH THAT CONTAIN MER-
ND1Ne

las mercury will surely destroy the
sense Of smell and completely de-
ange the whole system when enter
& it through the mucous surfaces.
Such articles from reputable physi-
clans ais the damage they will do is
ten fold to the good you can possibly
derive from them. Halls Catanh
Cure, manufactured by f J. Cheney
& CO., Toledo. O., contains no mer-
curry, and Is taken Internally, acting
directly upon the blood and mucous
surfaces of the system In buying
Halls Catarrh Cure be sure you get
the genuine. II is taken internally
and made IN Toledo, Ohio by r. j..
Cheney & Co, Testimonials free
Sold by Druggists. Price roc per
bottle.
Take Halls Family Pills Tor consti-
patton
The Guthrie daily leader. [volume] (Guthrie, Okla.) 1893-1996, 1911-08-11
ThE lNTERIoR ~

The Enid News has taken up a
timely topic touching the interior
citn Among other things it SAYS
Spokane. Washington. has conduct
ed a successful freight fale fight that
is OF interest to the people of the
Central Southwest The effect viii
be 70 give interior western cities an
advantage over the coast cities with
respect 10 traffic moving from the
East and lake anC river points. n NJ.
Stephens. counsel FOR Spokane who
mas conducted the legal phases OF the
contest takes the position that with
the approaching water competition 20
be provided by the Panama Canal IN
coast to coast traffic the railroads are
interested IN developing interior
cities rather than seeking 10 concen-
tate traffic al the coast They VII
lind the haul from Chicago and
Mississippi river points more profit
able fhan the haul froia the Pacific
10 saeh points as Spokane. Butte.
Ogden. salt Lake and Reno.
The cities Of Oklahoma stand ia
practically the same position with
ro-7ra. ~ t,a... q, f.as2.7--.-- y'-l'it- 49,.
s rs4tei-. and
The Guthrie daily leader. [volume] (Guthrie, Okla.) 1893-1996, 1911-08-11

Panama Canal win give an impetus
10 the gulf coast cities. the railroads
are interested In developing interior
traffic centers Tie concentration al
traffic al the gulf coast viii mean
the sharper competition of water
rates, While large interior cities iu.
snre profitable business for the rail
roads,
Kansas city and Denver demon
strate the possibilities Of the interior
city While Kansas City Is On q
streak OF sand that is sometimes q
river with concessions in rates be-
cause Of the water point fake its
traffic always has been and always
will be handled By The railroads
The cities OF Cleveland, Toledo,
Columbus. Cincinnati, Louisville, In
dianapolis, ST. Louis and Chicago are
within an area not much larger than
the state of Oklahoma An Of them
save Columbus and Indianapolis have
water transportation, though the bulk
Of the traffic at Cincinnati and
Louisville is handled by raj. The two
inland cities Of this group are great
railroad centers They are close to
larger cities with water transporta-
tion, but they have more than kept UP
with the procession during the last
ten years With the development of
the Southwest there ought to be With
in twenty-five or thirty years half
dozen or more cities such as Column
bus and Indianapolis between the
Kansas line and the Gulf Coast
The News thinks Enid ought to be
one OF them So should Guthrie. Here
we have superior railway facilities
and a gateway to the Mexican
pa effsc
The Guthrie daily leader. [volume] (Guthrie, Okla.) 1893-1996, 1911-08-11
WISE AND OTHERWISE.

Lanterns 10 protect advefIisina
siens upon pavements So that he who
walks is forced 10 read now are made
with electric lamps sufficiently pow.
eriui 20 operate effectively in tie
best lighted streets
AS is well known, The ,French call
afternoon tea "le o'clock Some
time ago The Figaro discovered on
one OF ;he Paris Eye o'clock f-om
2 20 T. and now il has found another
one whose slga promises Five
o'clock at an hours OF the day
Few government employees in Wash
ingtoI worh harder than Elizabeth
N Harris daughter of fhe United
States Representative rrom MassaeiH.
setts. successor go Governor Fuss in
colg-ess- She is an expert book
keeper. sienc-rapber and tynist and
viii act as her fathers secretary.
Alanlc CITY was incorporated in
1854 tae year when The first passeu-
ger train eas rIn from thc Delaware
river to the Atlantic ocean AL that
ime The village consisted of half a.
dozen families which had increased
70 population OF 1902. Ia 1870. ac-
cordilg % the United states census
Ten years later t had grown 10 s.
tit in 1890 H was I3.055. aud iu
1900 there Rere 21SaS residents.
The Guthrie daily leader. [volume] (Guthrie, Okla.) 1893-1996, 1911-08-11
A TEXAS WONDER.

The Texas Wonder cures Kidney
and bladder troubles. removes gravel,
cures diabetes. weak and lame
backs, rheumatism, and irregulart-
ties of the kidney and bladder in
both men and women: regulates
bladder trouble In children. II not
sold by your druggist, it will be sent
by mail on receipt of ST. One small
bottle Is two months treatment, and
seldom fails to perfect a cure III
e. w. Hall. 1925 Olive street. ST
Louis, Mo. Send for testimonials
from different states. Sold by drug
gists.
The Guthrie daily leader. [volume] (Guthrie, Okla.) 1893-1996, 1911-08-11
, O g @ Q 8 @ o @ g o o . o
/, OVER THE STATE
, @ 90 90 O. @ @ @ 0 O @ @ O @ (

An application TO convert the First
National bank al Kaw CITY 10 na.
tiona bank has been received BY the
comptroller of the currency ut Wash
ington.
The state Federation Of Labor will
begin its eighth annual convention at
Bartlesville, August IL
President Taft has taken under adj
visement The invitation extended by
Congressman Dick Morgan to attend
the state fair at Oklahoma City this
fall.
The Okmulgee Herald SAYS the ay-
eFage circumference of peaches rails
ed there this season is II inches.
while one peach was exhibited meas
uring IL IA inches around Charles
Kimble. Of Beggs, exhibited a mum,
ber measuring "A l-2 inches
no protect its supply OF drinking
water the city Of I.awton will pur
chase two or more alligators and
place them in the reservoir in the
Wichita mountains The city council
has begun looamg around for the
saurians and viii secure the largest
ones possible With the gators in
the reservoir the council hopes %
keep small boys and others FROM
swimming in the pool.
On the Braden ranch IN Usage
county there is 1.000-acre corn field
that is expected to yield thirty bush
els to the acre this season When
the 10000 bushels are sold Al. say 60
cents per bushel the aggregate re-
ceipts will represent handsome
profit
The Guthrie daily leader. [volume] (Guthrie, Okla.) 1893-1996, 1911-08-11

Abe Martin 0piues How T. de.
cline a invitation { a musical treat
an still appear appreciative" from tn
pen o Aiiss Fawn Linnineut will
soon be released for publication II
at first you don't succeed. let your
hair grow an git broad brimmed
soft bat an. q Windsor tie
The Guthrie daily leader. [volume] (Guthrie, Okla.) 1893-1996, 1911-08-11

Robert M. I-aFollette, who is seek
ing the Republican nomination for
president, win find II. but viii be in-
able To pull ont the nail he will find
driven through II.
The Guthrie daily leader. [volume] (Guthrie, Okla.) 1893-1996, 1911-08-11

apostle, continues the Macedonian
CRY in behalf Of Excelsior library.
Judge Perkins Is right and his advice
should be needed.