davidaulloa/AmericanStories huggingface dataset:
Perth Amboy evening news., 1911-05-05
psvIied Eggs.

Deyiled fried eggs require four eggs,
a teaeupful Of rice, gravy, curry pow
der, salt, cayenne and lemon Juice.
Wash and parboi the rice. tbsn sim
mer till perfectly cooked in 3 little
gravy. Season with curry powder,
cayenne and a squeeze Of lemon. Ar.
range this on a dish, lay the eggs Gned)
over it, scatter with a little chopped
parsley and cayenne and serve ct eAee
Perth Amboy evening news., 1911-05-05
SERVING COCOA.
Two Dozen Persons May Be supplisd
ss Easily as One.

ss Easily ss Ono.
When entertaining friends It is con-
venient, II cocoa is to be served, to
have It ready as needed. In following
this plan there is no danger OF the
supply falling SHOULD IT, demand ex-
coed expectation, nor is the cocoa
wasted in case fewer than are expect
ed respond to the invitation.
To make enough cocoa for twenty
FIVE or thirty persons put n cup and
three-fourths Of boiling water into a
double boiler, add three-fourths Of a
cup of cocoa and let 1t stand until the
COCOA is moistened. Stir thoroughly,
then add one cup and three-fourths Of
boiling water and stir again. Cook
ons hour and add two and one-half
cups Of sugar, stir till dissolved and
let cook half an hour. When cold add
Perth Amboy evening news., 1911-05-05

School and Dress
Shoes for Boys, in
Patent, Tan and
Plain Black. Best
feathers, Strong and
Neat. Special, during
the sale.
Formerly s2.os
Perth Amboy evening news., 1911-05-05

Dress Shoes for
men. Black, Tan and
Patent Leather, In
Lace or Button and
Oxfords. Latest styles.
Perth Amboy evening news., 1911-05-05
Confidential


A few words of direct explanation
giving the essentials Of our liberal
terms, We feel, are necessary to en-
Tighten the public and convince them
that ours are original, others being IN
fringements in a revised way, with not
half the conveniences to the buyer our
terms afford. All that is necessary to
open an account here Is to call and
select anything you please, Just prom
Use to pay a small weekly sum or
monthly and the goods are yours. 1t
Is immaterial whether 1t takes you six
months or longer to pay the blu. Your
account need never be closed on our
books. You can keep purchasing any
wearing apparel for the whole family
from time to time and just have it
CudI Stu.
Thus having a garment market at
your disposal to be called upon any
hour necessary. All we want In return
is your promise to pay q little every
week or month. OUR SERVICES in
all the other features OF our business
the service is superb; it doesn't make
a particle of difference how small your
purchase or what your position in life
is, you always receive prompt and
courteous treatment here and above all,
WI keep our promises. Give us a call
and talk it over.
Perth Amboy evening news., 1911-05-05

half an ounce Of vanilla extract INT
strain through a checseclotb. There
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08
GENERAL AGENTS FOR MICHIGAN:

We want live agents for good Michigan territory
Address nearest General Agent Home Office direct.
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08
CEMENT IN BUILDING.
Easy Access Has Made Its Use Popu-
lar in This City.

Detroit builders consider themselves
fortunate in having easy access To all
the cement they need for building
purposes. In and about the city
there are big plants, turning out thou.
sands Of tons OF cement every year
An unlimited quantity of sand and
gravel is also available at these places
at all times.
Much of the material used in the
manufacture of cement comes from
pits within short distance OF De-
troit and the proximity Of the gravel
and sand beds TO Detroit, the dealers
say, has something to do with keep
ing the price OF cement and it's in
gradients at reasonable price. The
fact that there are large cement yards
In Detroit also enters into the regula-
ton OF the cost of the article. Were
ii necessary for Detroit builders TO
import their cement and other build.
ing essentials. the cost OF building
would be much heavier here than 1t
now is, the cement dealers argue.
For the remarkable growth OF De-
troit in the past few years, the ce
ihShl hSuiCio oOiHt tlcdil. neg
declare that, but for the capacity OF
their cement plants and yards, the
builders OF the city never could have
kept up with the demands for new
factory accommodations. In the build
ing OF most of the automobile fac
tories, cement was extensively used
and the manufacturers OF this com
modify point out that il was their abil-
ity to meet the demand for cement
that allowed the city to expand as It
did. They also intimate that they
have an inxehaustible supply of sand
and gravel and will be able to meet
the demand for cement, no matter
how great it may be, for many years
TO come.
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08

as a business necessity: It is one OF
the important things scrutinized ftI
examinations to-establish credit on q
the TRANSACTION OF any deal Involving
property. that any tendency towsrt
unbusinesslike methods would be Inn
mediately discovered.
The fire insurance business In De-
troit is growing and will continue to
grow with the development OF tie,
city as a financial center. More and
more capital will be employed In II as
the attention OF tinanciers is turned
from industrial expansion to the less
hazardous forms Of investment. The
records OF Detroit fire insurance com
panies during the past ten years have
been satisfactory; they have kept paca.
with the development OF the city, but
during the next ten years they should
feel the real effects OF the growth or
the city in financial Importance and.
We may expect a much larger proper
tionate growth in these lines than we.
have seen In the past ten years.
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08
.tlRE INSURANCE
SHOWS BIG GAIN
Detroit Underwriters Share in Gen
eral Wave of Pros
perity.

The situation OF Detroit with re-
spect to fire insurance is very much
the same as the situation with respect
10 life insurance or the many mill
ions of dollars worth OF risks in De-
troit and the adjacent territory only a
small portion is placed with Detroit
fire insurance companies. the larger
portion by far being placed with the
big eastern companies. 1t is generally
the case with fire insurance however.
that 1t is more widely distributed than
is the case with other forms of insur-
ance, for II is the policy OF careful
companies 10 limit the amount OF
risks they will assume on any one
building 0r in any one locality The
possible results OF contiagration
would be too serious
Detroit fire insurance companies,
however have shown a steady growth
I'm business throughout the last ten
years, and all the companies engaged
in the business of writing fire insur-
ance have enjoyed a measure OF the
prosperity that has come TO other lines
OF business during the same period.
There have been very few losses or
any importance TO the Detroit com
panbes, as a result of the careful Sc
lection of risks, and, perhaps, 1t may
be added. to the good fortune that has
fallen TO every line of enterprise in
Detroit during the recent period Of
phenomenal growth.
The only loss Of any importance in
which Detroit companies were con
cerned was the big conflagration fol
lowing the San Francisco earthquake
in 1906 Together with great many
other companies throughout the coun-
try Detroit fire insurance interests
were involved In this great disaster.
All the claims were paid promptly.
however, and it was only short time
before the effects were entirely for
gotten in the chase after more bust
ness Detroit fire insurance compan.
les were not involved in the other two
big confiagrations OF the decade, the
Baltimore and Chelsea fires, the insur-
ance on the burned buildings in these
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08

cities being chiefly held by eastern
companies.
There has been no large destruction
OF property by fire in Michigan within
the last decade, Detroit having been
especially free from really big fire
losses. This is due not only TO the ex-
cellence OF the fire department. but
also TO the cooperation of the fire in.
surance men with the building depart.
ments in demanding more attention To
the elimination of fire risks so far as
possible.
Through these influences the fire
limits OF the city have been extended
until they include large portion OF
the central residence section of the
city and all the big new automobile
factories and other plants are or fire.
resisting construction. The work OF
the fire insurance companies in the
prevention OF fires is part OF the
activities OF these companies that is
frequently overlooked by the general
public
The fire insurance business in De-
troit has been run upon strictly CON
servative business lines, as in fact II
has been run generally throughout
the country. The record contrasts
favorably with the methods of con
Quoting life insurance companies as
revealed by the disclosures. Perhaps
the reason for this is TO be found in
the more businesslike things and peo-
pie with which the fire insurance com
panies are called upon to deal. Fire
insurance Is so thoroughly established
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08

companies are doing an increasing
proportion OF the Michigan business
each year, but they are not yet receiv-
ing their proper share of this business.
The policies issued by the Michigan
companies contain the standard pro-
visions required by the statutes OF
the state of Michigan for the purpose
OF safe guarding the interests OF pol
icy holders and each policy form pro-
posed 10 be issued by the companies
must be filed with the commissioner
OF insurance at Lansing so that he
may disapprove OF any form that Is
not satisfactory before a policy is
actually issued The Michigan com
panies are subject 10 frequent exam
nations at the hands OF the Michl-
gan department of insurance which
keeps in close touch with their oper-
alton The companies are required
by the Michigan statutes TO MAINTAIN
and accumulate a reserve sufficient to
eventually mature each policy ana
this reserve must be accounted for
periodically In addition TO the re-
serve each company is required to
place a deposit of securities OF the
kind stipulated by law with the state
treasurer for the additional protection
OF policyholders over and above the
reserve This policy reserve is some
times called the reinsurance reserve
for IL Is sufficient, especially when
fortified by the statutory deposit with
the state treasurer, 10 enable the
business of company, in case It's
operations are unsuccessful, TO be re-
insured In another company and the
interests OF the policyholders be thus
abundantly protected without loss TO
them or the impairment OF the value
OF their policy contracts In anyway
This especial protection afforded by
the reserve is one of the main feature
OF the strength and almost absolute
security of old-line legal reserve life
Insurance.
In considering the value OF home
companies 10 a community one can
not do better than quote the words or
Hon. James V. Barry, until recently
commissioner of insurance for Michi-
gan, who during his ten years of
Office in that position established an
unique reputation as a keen student
of the varied problems which arise
in connection with the business OF In
igan insurance department to a high
standard OF efficiency SO as TO render
the people OF this state under perman
ent obligations to him. Speaking be-
fore the National Association of Life
Underwriters in Detroit last Septem-
Der, he spoke In reference TO home
companies as follows.
Il have no quarrel with new COM
panies. On the contrary | believe that
II properly organized and managed,
they accomplish much good. 1t would,
in my Judgment, be best for all con
cerned II there were 10 be established
in every state one or more good, solid
substantial companies operated along
safe and sane lines by men skilled in
the business.
These local companies would do
much in the way OF educating the peo-
pie as TO the soundness and benef-
cence Of life insurance as an institu-
ton and creating healthy and in
telligent public sentiment which
would serve TO protect the business
from ill-considered and burdensome
exactions which are too often the re-
suit of a feeling on the part Of techni-
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08

Cality uniformed and unthinking leg
islators that they are dealing with
some far away, hostile interest which
constantly draws money from the
state without giving anything in re
turn. When you have in each
state companies whose operations can
be observed and studied at close
range. whose business affairs are d.
rected by reputable citizens OF these
states, and whose investments are
largely within their respective states,
the attitude OF the public as re-
lected by the law making power will
be materially changed AS a rule II
is those states in which there are no
such local interests that run riot in
the way OF harassing and burdensome
legislation.
Aside from the protection to the
business generally thus afforded the
activities OF these local companies
would result in a constantly increas-
ing number OF people educated to a
knowledge of the benefits of life In
surance and consequently in con
stantly enlarging field OF promising
prospects.
Just as the work OF the fraternal
Denenclary societies has educated the
people of the rural communities, viii
lagos and smaller cities OF the coun-
try, so, believe, does the work OF the
growing number of new legal reserve
companies make the education more
thorough and widespread and thus
adds recruits to the growing ranks OF
those citizens who deem il their duty
TO protect those dependent upon them
with contracts OF life insurance that
are actually correct and financially
sound
From every standpoint. therefore
believe in encouraging the organiza
ton OF proper methods OF new com
panies which are to be conducted
along proper lines by men familiar
with the various branches OF the bust
ness OF life insurance.
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08
MARINE INSURANCE BRISK.
Detroit Important Center Because Of
Shipping Interests.

That Detroit should be an inl-
portant center for marine insurance
might easily be inferred from the
magnitude OF the shipping interests
OF the city OF the straits Detroit
companies have been writing insur-
ance upon the lake marine practically
since the freight OF the great lakes
was taken from the birchbark canoes
and batteaux fotilla into the hands OF
the old sailing masters.
In the days OF the old sailing craft
marine insurance was far more OF
speculation than it is today, for the
storms OF those days were just as
violent and disastrous to shipping
that happened TO be caught in their
clutches as are the hurricanes that
sweep the lakes In the present dan s.
The difference in the risks Of the ear
ly days OF marine insurance in Detroit
and the risks of the present CORE
spond TO the differences in stanchness
and seaworthiness between a huge
modern steel freighter and the little
old sailing craft that once carried tho
trade of the great lakes
Marine insurance In Detroit has
grown up with the growth of traffic
on the lakes There has been
steady increase In the tonnage insuf-
ed and in the revenue that comes into
the city from this source The in
creased precautions that have made
the lakes safer-channel lights charts
and life-saving stations and the safe
~ appliances which government regu.
lations have made part OF the equip
ment OF every vessel-have made "A
scientific business OF marine nsuf
ance out OF a mere gambling ON The
average state OF the weather and the
good fortune OF the sailors during the
shipping season.
There are still losses on the LAKES,
however, losses that for the most
part cannot be prevented by any pre-.
cautionary regulations. and these are
the sort OF losses upon which Detroit
marine insurance companies are pro-
tecting yessel-owners all along the
lakes
The expansion OF the business IN
Detroit has been commensurate with
the marvellous growth in lake traffic
during this period and with the H..
creasing development OF the upper
peninsula Of Michigan II can be read.
lily prophesied that the marine lnsur.
ance interests OF Detroit will share
in the future prosperity OF lake ship
ping as they have in the past.
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08

life companies of other states issued
$36, 797 DAB OF insurance in the state
OF Michigan, while Michigan com
panies issued only s4,0i3.2S3 OF in
surance in Michigan AZ the end OF
1909. companies OF other states had
in force in the state OF Michigan
1924. 439, 1877 of insurance as compared
with S15.4Sl .295, which Michigan com
panies had In force in the state OF
Michigan. During 1909, the citizens
of this state RENTED TO the home
Offices OF companies located in other
states, S9,604.G7l in premiums on life
insurance while the Michigan com
panies received but $i34654 In pre-
miums from Michigan citizens. The
above figures do not include indus
trial insurance, all OF which was
transacted by outside companies.
AS compared with the above, v
may be cited that during the year
1908 Connecticut life companies wrote
$4lO1,199 of insurance on the lives
of citizens OF Connecticut, and re
ceiyed In premiums from the citizens
of that state $l,42l,4 62. whereas the
Connecticut companies wrote outside
OF Connecticut, $9l,l3S,l34 OF insur'
ance. and received from the citizens
OF other states, s27,5l3,l93 In pre-
miums.
The city OF Hartford, Connecticut,
with little more than one-fifth the
population OF Detroit, has as many
banks capitalized for as large an
amount as those OF Detroit. The
greater development proportionately
OF the financial institutions OF Hart
ford is due to the insurance com
panies located AT Hartford.
The people OF Michigan should
realize that insurance institutions are
large factors in the financial develop
ment OF any locality. and that there
is no reason why Michigan should not
develop her own great financial in
stitutions and make Michigan one OIL
the financial centers OF the country
In order to accomplish this, the Cit
zens OF Michigan should purchase
their insurance in Michigan com
panies in every way possible.
Prior 10 1907, there was but one
Michigan life insurance company, a
company which began business In
1867. This company In 1906 wrote
$l,075,163 OF insurance on the lives
of Michigan citizens, and had in force
on the lives of Michigan citizens al
the end of the year $9,3s0,229. The
amount of premiums paid during the
year was $330,429.
During 1907 two new legal reserve
life insurance companies were organ
lied in Michigan, and the amount oil
insurance written by the three. Mich
igan companies on Michigan citizens
during 1907 increased 10 $3.440, 553
and the amount OF insurance in force
increased to 81. lS1 GOO. and by the
end or 1909, this was increased to
sl5,4S1,295.
During 1910 another legal reserve
company began business. making -four
Michigan Lie Companies in all These
four companies during 1910 wrote In
Michigan S6,0ll,264 of new insurance
had In force on Michigan citizens
nearly $l9,000.000 OF insurance or
about double the amount OF insurance
in force al the end of 1906, four years
earlier
1t is thus seen that the Michigan
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08

FRANKLIN b. MEAD. F. A. s,
Actuary and Secretary
VICTOR c. VAUGHAN, NJ. d., Medical Director
VICTOR Q. VAUGHAN, JR., NJ. D.,
Associate Medical Director
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08
With Formative and Development
Stages Over, Advantage Is Now
Being Taken of Lessons and
Experiences of the Past.
Authority Points Out That Home
Companies Are of Immense Advan-
tage To Community
ey FRANKLIN q. MEAD.
(Aetuary and Secretary Of the Michl'
uan State Life Insurance Co..

AS someone has aptly expressed IT,
the period beginning With the early
fnr,.cs (when The nrtt life companies
i'm America, which have since attained
prominence, were established) and
ending about 1870, may be called the
formative period of life insurance;
that from 1870 to 1905 when the
amount of life insurance in force ex-
panded from two billion dollars TO
ten billion dollars. may be called the
developmental period; and that period
upon which we have just entered may
be called the scientific period, during
which advantage will be taken OF the
lessons and experience OF the past to
more nearly approach the ideals or
the best life insurance practice.
The disclosures during the Arm
strong Investigation in New York in
reference to certain OF some OF the
Older and larger companies, developed
a trend OF public opinion favorable
10 the establishment of local life in
surance companies and awakened the
people TO the possibility OF the up
building or sound and successful in
stitutions at home. This was further
made possible By the highly scientific
plane 10 which life insurance has been
raised as We'll as by the fact that the
business receives the most careful SUI
pervision on the part of the state in.
surance departments. Consequently.
there is a bright future for local com
panies. carefully and conservatively
managed by men trained and expert
enced in the work which they have to
perform.
During 1909, according to the Mich
iSan insurance report Cthe complete
figures of 1910 are not yet available)
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08

FREDERICK APPS. President
f. A. LYMAN First VcePresident
ARTHUR JONES. Second vicePresident
and General Counsel
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08
Detroit
Life Insurance Company,
Subscribed Capital $25O,0OO

Nine millions of Michigan
The paid for life insurance by middle
O
amount at home?
nd
The the
life il nromw
Why
and
OFFICERS:
b
T. II
VhePesden
J HCA
Secondly sdent
life
industrial
4h 1911
Let ande its peciaf
GENERAL AGENTS FOR MICHIGAN:
Territory -wyneC
OWEN DAVIES Grand Rapids Michigan Tertor-weten
ppe
direct.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1911-08-18

,Costeros: Lolo y Josefna, y vapor
americana Jean:
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1911-08-18
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del pasado de New York para San
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