davidaulloa/AmericanStories huggingface dataset:
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-15

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-
fected by the law making power VIII
be materially changed. As rule IL
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 10 the
business generally thus afforded the
activities of these local companies
would result in a constantly increas-
ing number OF people educated TO
knowledge OF the benefits OF life In
surance and consequently in a con-
stantly enlarging field OF promising
prospects.
Just as the work o. the fraternal
beneficiary societies has educated the
people OF the rural communities, vii
lagos and smaller cities OF the coun-
try. so. believe, does the work or 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 II 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, 1911-04-15

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 OF 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-
sentative 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 10 be found In
the more businesslike things and PEG.
pie with which the fire insurance com
panies are called upon to deal Fire
insurance Is 80 thoroughly established
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-15
FIRE INSURANCE
SHOWS BIC 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
small portion is placed with Detroit
fire insurance companies. the larger
portion by far being placed with the
big eastern companies. II is generally
the case with fire insurance. however,
that II is more widely distributed than
is the case with other forms OF insur-
ance, for It is the policy OF careful
companies to limit the amount OF
risks they will assume on any one
building or in any one locality. The
possible results of confiagration
would be too serious.
Detroit fire insurance companies,
however, have shown steady growth
In business throughout the last ten
years, and all the companies engaged
In the business OF writing fire insur-
ance have enjoyed measure OF the
prosperity that has come TO other lines
Of business during the same period,
There have been very few losses OF
any importance 10 the Detroit com
pantes, as a result OF the careful Sc
lection OF risks, and, perhaps. It 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 We're 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 IL 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 conflagrations 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, 1911-04-15

as a business necessity; It is one OF
the important things scrutinised In
examinations to establish credit or In
the TRANSACTION or any deal involving
property, that any tendency toward
unbusinesslike methods would be I'm
mediately discovered.
The fire insurance business In De-
troit is growing and will continue to
grow with the development OF the
city as a financial center. More and
more capital will be employed In Il as
the attention OF financiers 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 pace
with the development OF the city, but
during the next ten years they should
feel the real effects OF the growth OF
the city In financial Importance and
we may expect a much larger proper.
Tomato growth In these lines than va
have seen in the past ten years.
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-15

life companies OF other states issued
$50, 1877 ,043 OF insurance in the state
of Michigan, while Michigan com
panies issued only s4.o4S.2sS of in
surance in Michigan. At the end OF
1909. companies OF other states had
in force in the state of Michigan
S264, 49, 97 OF insurance as compared
with $l5,4S1 ,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. s9,604,674 in premiums on life
insurance while the Michigan COM
panies received but $i34,654 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, IL
NAV be cited that during the year
1905 Connecticut life companies wrote
s4lOi 1893 of insurance on the lives
of citizens OF Connecticut, and re-
celved in premiums from the citizens
OF that state $1,421 .462, whereas the
OF Connecticut, $9l, 13s,1S4 of insur-
ance, and received from the citizens
OF other states, S27, 5lS,lS3 In pre-
miums.
The city of Hartford, Connecticut
with little more than one-hfth 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 OF
the financial centers OF the country.
In order to accomplish this. the citi-
zens of Michigan should purchase
their insurance in Michigan com.
panies in every way possible.
Prior TO 1907. there was but one
Michigan life insurance company, a
company which began business in
1867. This company in 1906 wrote
s1,075163 OF insurance on the lives
of Michigan citizens, and had in force
on the lives of Michigan citizens at
the end of the year s9,3S0.229. The
amount Of premiums paid during the
year was s330,429.
During 1907 two new legal reserve
life insurance, companies were organ
ICED in Michigan. and the amount OF
insurance written by the three Mich
igan companies on Michigan citizens
during 1907 increased to $3,440, $50,
and the amount OF insurance in force
Increased to s1l,1s1, sos, and by the
end OF 1909, this was increased TO
$l5.4s1. 295.
During 1910 another legal reserve
company began business. making four
Michigan Life Companies in all. These
four companies during 1910 wrote In
Michigan $6011,264 OF new insurance.
had in force on Michigan citizens
nearly sf9,000,009 of insurance or
about double the amount OF insurance
in force at the end of 1906, four years
earlier.
1t Is thus seen that the Michigan
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-15
MARINE INSURANCE BRISK.
Detroit important Center Because OF
Shipping Interests.

That Detroit should be an I'M
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 flotilla into the hands of
the old sailing masters.
In the days OF the old sailing craft
marine insurance was far more OF
speculation than 1t is today, for the
storms OF those days we're 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 days.
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 stdnchness
and seaworthiness between a huge
modern steel freighter and the little
old sailing craft that once carried the
trade OF the great lakes.
Marine Insurance in Detroit has
grown up with the growth OF traffic
ON the LAKES. There has been n
steady increase in the tonnage insur-
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 insur.
ance out OF a mere gambling on the
average state OF the weather and tho
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 vessel-owners all along tie
lakes.
The expansion OF the business III
Detroit has been commensurate with
the marvellous growth in lake traffic
during this period, and with the III
creasing development OF the upper
peninsula of Michigan II can be read
lily prophesied that the marine insur-
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, 1911-04-15
LIFE INSURANCE IS
IN SCIENTIFIC
PERIOD
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.
(Actuary and Secretary OF the Mleh'
Gan State Life Insurance Co..
By FRANKLIN 3. MEAD.

can State Life Insurance Co..
AS someone has aptly expressed 1t,
the period beginning With the early
for..cs when the nrtt life companies
In Ainerica. which have since attained
prominence, we're 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.
banded from two billion dollars to
ten billion dollars, may be called the
deyelopmental 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 OF
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
trend OF public opinion favorable
to the establishment of local life in.
surance companies and awakened the
people to the possibility of the up
building OF sound and successful in
situations at home. This was further
made possible by the highly scientific
plane to which life insurance has been
raised as well 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 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.
igan Insurance report (the complete
figures OF 1910 are not yet available)
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-15
Detroit
Life Insurance Company,
Subscribed Capital $25O,OOO

Nine millions Michigan
The paid for
countr
Why not va amoun thome?
of
from
Why
OFFICERS:
b
M e vMT y
ePedden Secretary
ID BATY II
D~ a. oA
Our aim to keep Drots life insurance
fact
Let ande lain its peciaf
GENERAL AGENTS FOR MICHIGAN:
SON
Grand Rapids Michigan
cign ..Terror Northern
4 Territory
fol good TERRITORY
Address
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20
Death Of New London Pioneer
Recalls Much Early History
(Continued from page %

had recently encountered a party Of
Chippewas and in the fight that en-
sued had secured number of
scalps. They had evidently sustain
ed some losses, at least in wounded,
for it was observed that number.
of their warriors limped as they
passed from one tent to another.
While they were preparing to cele--
brate their victory with a scalp dance
a number of warriors had set out to
forage. It was no unusual occur
renee among the early settlers to be
approached by begging Indians, but
on this occasion they stolen outright
and among other things carried off.
in the night some pigs belonging to
Peter Thompson. When the depre-
dations were discovered a number Of
young men from the settlement came
together and proceeded to the In
dams camp, where they directly ac-.
cused them Of the theft. The In
|dians denied the accusation, but the
young men scattered out among the
lodges and began to search: Jonas
Peterson, one Of Erick Pehrson's
sons, soon came upon; an Indian who
was engaged Sin cooking q pig whole
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20
Divers, N adness.,

An Australian pearl diver says that
one Of the strange effects Of diving is
the invariab!e bad temper felt while
working at the bottom Of the sea. AS
this usually passes away as soon as
the surface is reached. it is probably
due to the pressure OF the abr affect
ing the brain. The exhilaratton and
good temper Of the mountain climber
are contrary feelings from an opposite
cause. a diver becomes so angry at
some Imaginary wrongdoing on the
part Of those In the boat above that
he gives the signal to be pulled up.
with the intention Of knocking the
heads on the entire crew, only TO for--
get what he came up for when the
surface Is reached. ss
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

= am not we'll versed il land values
il this locality, theref fore, / ask for.
bids. The highest bidder will be the.
successful bidder Ma Ike me an Of
fer. Title is good, abstract viii be.
furnished. Possession given at any
time: before seeding time in spring Of
1912 NJ bull ings, Land IS tray
ersed by main road leading into New
London. Distance to said town IS
about 5 miles. Terms !: sc. per cent
of purchase price in cash, balance
for 5 or 10 years at 5 per cent inter.
est. +. G. Nellermoe, Buffalo, Min
.nesota. $40
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20
A SNAP IN KANDIYOHI COUN.

A SNAP IN KANDIYOHI COUN-
TY LANDS-I have the control of
the following lands, described as
follows: se14 Of sw14; sw14 Of se4
Of section 6, and also the nw14 Of
neA and ne14 Of nwA of section Z,
all in Township 121, Qrving) range
33, in Kandiyohi county, Minnesota,
containing 100 acres according to
government survey Of same. Part of
this land lies in what's called "Schoe-
macher Lake and part Of land is un-
der cultivation, some timber on land,
suitable for fence posts, firewood, etc.
I wish to sell this land on account Of
that I am too busy to look after it.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

AGENTS WANTED-First class
for this and surrounding counties,
for the ''NEW STANDARD 1910
Census Atlas of the World" Agents
making $4,000 to $4,000 per week.
Best of terms. Also Agents for low
priced, easy selling JUVENILE and
HOLIDAY Books. Combination Out
fit postpaid only zoe. SO per cent
commission to agents. Full particu-
lars free. Address A. B. Huffman,
Publisher, 1876 West Lake St., Chi
cago, Ill. 33-l2
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

WANTED-Canvassing Agents at
once for the sale Of "COMPENDIUM
Of Everyday Wants." the book Of
general necessity, price $3.50; also
for "The DEVILS BRIDE" Won
derful religious allegory, price $1.o0.
Either outfit sent postpaid for 10
cents. so per cent commission to
agents. Big sellers. Address A. B..
kaufman, Publisher, 1876 West Lake
st.. Chicago, Ill. 1912
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20
in large kettle or boiler. To at
tract the attention Of the others he

in a large kettle or boiler. 10 at
tract the attention Of the others he
called out, '.Piggie! piggie! piggie!"
Before his companion could assemble,
stalwart warrior rushed toward
him with the apparent intention Of
knocking him over; but the young
man quickly sidestepped, put out one
leg and tumbled the Indian to the
ground. This incensed the redskin,
and rushing into his tent he emerged
a moment later armed with an ugly
looking knife. Things began to look
serious. Whites and Indians gath.
erred around an great excitement pre-.
vailed. There were ten armed In.
dams to each white man and fight
must have resulted disastrously to
the latter. Rev. Andrew jackson was
in the party and finally rsuaded his.
companions that in such a predica-.
ment discretion was the better part
Of zvalor, and that for the present it
was best to let the Indians keep their
booty.
5 Il Ft %
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20
The Explorers.

! u6-EXPI0Fer1.z..EE
''The object Of the average explorer
seems to be to acquire enough. ma ]:
.terial for a lecture. : $500
Yes: that is my wffe's aim when.
she explores my pockets. - Louisville.
Courier-J Ournal.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20
Bank Of ENGLAND N otaa.

The secret marks on Bank of Eng.
land notes By. which forgeries are So
rapidly detected are constantly being
changed. The microscope will reveal
many such peculiarities TO AN obsery.
ant eye.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

POLAND CHINA PIGS Sow and
board pigs for sale. Head Of herd
Lucky Boy" No. 166975, from
Minnesota King, No. 1925. Au-
gust Jordin, New London, MINI. 81
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

FOR SALE-Eight-room house;
lot 150xl83; chicken house; small
barn; wood shed; good we'll; 100 bar.
rel cistern; some bearing fruit trees
Of different kinds. $1,000, if taken
at once. Anton Swenson, East Litch-
field Ave-, Willmar. 4..
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20
After the tumult had subsidized
Little Grow. who was among the war

After the tumult had subsidized
Little Crow, who was among the war
riors, stepped out Of his tent and
approached the white men. With a
stick he drew "a mark on the ground
which he said represented the Mis-
sissippi river, another the Minnesota
river and third represented q line
from Big Stone lake northeastward.
Pointing to this rough map he said,
with deliberate emphasis: This IS all
my land all game, all pigs are mine.
The white man must move off my
land to the other side Of Fort SMELL:
ing 4:
|.s.S "This incident made asdeep i'm
preston on the white men present
and SO disturbed Rev. Jackson's
mind that he Immediately wrote to
Governor Ramsey asking. that the In
dams be restrained from doing fur
ther mischieff {. 2 IS 81
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

FOR SALE or TRADE-280O
acres wild and improved land in
tracts from 40 acres and up. Will
consider city lots or property in
trade or as first payments. Also ten
residence properties in Willmar 70,
sale from $1,000 to $4,000. G. A
Erickson. " A..
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

]. FOR SALE One well matched
lack team and one bay horse and
swo sets working harnesses. II. Elk
jer, 1872 East Litchfeld avenue. 974
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

FOR SALE-Farm Of 120 acres,
l% miles from Spicer, MINI. Bar
gain for quick sale. Inquire at Tri-
bune Office. If
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

STEAM HEATED ROOMS-For
rent. Inquire Of R. W. Stanford,
post office building. 70
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20
Stock For Sale.

FOR SALE Duroc Jersey pigs.
Will furnish pedigrees. T. 0. Christ
an. Kandiyohi, Mimi. 29f
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

FOR RENT-Three furnished
rooms for light housekeeping at FOG
Second street. 967
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

GIRL WANTED-For general
Homework. Will pay extra wages
during holidays. Telephone 233, 800
Lake st. 972
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20
Farm, Loans .

FARM LOANS On the best terms
offered by any company. Ten years
time, with privilege Of making pay
nents on principal on any interest.
day. Lewis johnson, Willmar. 976
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

FOR RENT-One large room, all
modern. Lady preferred. All Fifth
street, south.s 977
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20
Real Estate.

I FOR SALE-Five or ten acre
tracts near city limits. Inquire Of
Anderson Land Co., Willmar, Min
neSOta. Il ..s 5f
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20
Houses and Rooms.

FOR RENT-Four heated rooms
at 4Ol Fifth St. P. M. Peterson. 81
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

FOR SALE-3QO bushels of corn
and some fodder corn and millet hay.
H. Elkjer, 1872 Litchfeld avenue. 975
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

bath, hot water heat, on 9Th street.
j. H. Virgins Co. 70
FOR RENT-Five rooms down
stairs. Inquire at 2l4 Trott Ave. E.
O. R. Thompson. 953
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

GRAVEL-Am prepared to load
cars at New London pit. Write or
phone John Wright.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

FOR RENT-Heated room fur
nished. Inquire Of J. P. Madison,
ll3 E. Litchfield Ave. As
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

WANTED-Girl for general house
work. Apply at 1876 Litchfeld Ave.
F.. 965
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20
Classified Wants

One cent word each insertion. NO
ad for less than is cents, cash with
order.
80 per cent discount for additional
insertions-No accounts booked for less
than Csc.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

FOR RENT-Flat, 6 rooms and
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20
Lost, Found, Etc.

FOUND-A dogskin driving mitt.
Loser may find same at this office.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1911-12-20

MilIiner. 81
The term milliner Is derived from
Milaner. so called from Milan. Italy.
which atone time gave the law to EusI
rope lin all matters Of taste. dress and.
elegance. Milliner was originally APP.
piled to the male sex. :s5s25s5