davidaulloa/AmericanStories huggingface dataset:
The Detroit times., 1911-04-24

WASHINGTON-The department OF
commerce and labor has figures show
Ing that native born American wo-
men have fewer children than those
Of any other nationality.
CAMBRIDGE, Mass.-Mrs. Harry
Eldridge Goodhue has invented tele
scopic sat pin intented not to injure
innocent bystanders.
NEW YORK-Mrs. Martha Hand
on, rs, colored. and grandmother,
has just been awarded two gold med
ais by the board Of education for meri
torious attendance at primary school.
ROCKLAND, Mass.-With record
OF eating sixty boiled eggs and 100
oysters at one sitting and thirteen
Holsters at another, Thomas F. Cur
ley has issued challenge TO eat
against any man in the world.
NEW YORK-To catch men sus-
pected Of passing counterfeit money
on street vendors, four detectives
enacted the rule OF peanut vendors
and soon arrested two suspects.
NEW York; have had more
than my share of fun and am a con
frmed optimist," declared Ex-senator
Chauncey NJ. Depew, yesterday, on
his 77th anniversary.
TRENTON, N. J.-Oficials OF the
state school for the deaf are accused
Of making so merry at midnight din
ners as TO wakeup the inmates. The
charges will be investigated.
support family OF FIVE on $12 week
he is either ignorant or wasteful, in
the opinion Of Magnus Alexander,
member OF the state commission on
workmen's compensation.
PATERSON, y. J.-Patrolman
Thomas Rooney is under arrest,
charged with setting fire to build
ing in order that he might pose as
hre hero.
NEW YORK-A red rattlesnake,
with pink eyes, has arrived at the
Bronx ZOO. You don't have to be
drunk to detect the colors.
CAMBRIDGE, Mass.-Ex-President
Eliot OF Harvard, says the church and
he medical profession have been rail-
ures I'm assisting society toward clean
liness and virtue and that the hope
for the future lies in the school teach
The Detroit times., 1911-04-24

CAMBRIDGE. Mass-Mrs. Harry
Eldridge Goodhue has invented tele
scopic sat pin intented not to injure
innocent bystanders.
The Hattiesburg news., 1911-10-28

DO YOU NEED TO BUY BOYS
CLOTHES? HIGH GRADE MAKES
AND PRICES THAT MAKE YOUR
MONEY BRING BEST RESULTS.
TRY sHELeYs NEW STORE, III
EAST PINE STREET.
The Hattiesburg news., 1911-10-28

You are not experimenting on your
self when you take Chamberlain's
Cough Remedy for a cold as that prep
aration has won its great reputation
and extensive sale by its remarkable
cures of colds, and can always be de-
pended upon. 1t is equally valuable
for adults and children and may be
given to young children with implicit
confidence as it contains no harmful
drug. Sold by All Dealers.
The Hattiesburg news., 1911-10-28

Show your indepen-
dence and your in
dividuality in the
cl''thes you wear.
That S the way to
get full value for
every one Of your
dollars. We tailor
the garment 20 your
style, to your form,
and guarantee the
!! fit. All union made.
We guarantee the
woolens, we guar
antee the garments
to wear and hold
their shape. Don t
wait come along and
| place your order.
| They are going fast.
The Hattiesburg news., 1911-10-28
You Should Take Advantage
of the Low Prices

going ONLY THREE cave money
day. Everything in Grocery line be going hgne ~
by taking advantage of these low prices. t.. .o, We have
let show how well we Can " that
very heavy stock of everything in the grocery ne f
none saved is made -a,nr11 ooL and have
of to show Come and look them over
going boys who bring the most % 1sh d Of
gold watch, 20 year case VII ~
who has the orders amounting to ooS "a
groceries, him the watch OnV % u
what ana we WI" s0' " ~
The Hattiesburg news., 1911-10-28

100 lbs. Jap Rice go. ..............$4.5o
Fancy Head Rice, 100 Ib. sack ...... $3.50
Six large rolls Toilet Paper ............25c
Quart Jars Dill Pickles, each ..........35 35c
Jars Horse Readish Mustard, jar .... ..15c
Domino Sugar per lb .........,......15c 15c
or Jars Mustard, jars ...............15c
Dried Beef in Jars, each ..............35 35c
Sliced Bacon in glass, each ............35 35c
Extracts, assorted, per doz............s soc
Sweet Midgets Pixies, per bottle 35c
Sour Gherkins, per bottle e------2 -25c
large quart Jar Jam -35c
Ferndell Olive Relish Csc can
Ferndell Salad Dressing 35c btl.
btl Celery salt ----1 10c btl.
3 nice large Mackerel -----25c
Calves feet jely, jar ----4 4Oc
Pint bottles maple syrup ------4Oc
Lea Perins Sauce e--------3 3Oc
Honey in iars- -25c
2jars Jam, a, flavor ---25c
Large rs one. ---2 Csc
Chile Mustard 15c
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08

b. MEAD, +. A. 8,
Actuary and Secretary
VICTOR C. VAUGHAN. M. d.. Medical Director
VICTOR c. VAUGHAN, JR., NJ. D.,
Associate Medical Director
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08
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 IL very much
the same as the situation with respect
to life insurance. or the many mill
ions OF dollars worth OF risks In De-
uoit and the adjacent territory only q
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 It Is more widely-distributed than
Is the case with other forms of insur-
ance, for Il 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 conhagration
would be too serious.
Detroit fre 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 q 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 to the Detroit COM
pantes, as a result of the careful Sc
lection OF risks, and, perhaps. II 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 confiagration fol
lowing the San Francisco earthquake
In 1906. Together with a 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 II was only short time
before the effects were entirely for
gotten I'm the chase after more bust
ness. Detroit fire insurance compan-
les were not involved In the other two
big CONGREGATIONS 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

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 safeguarding the interests OF pol
icy holders and each policy form pro-
posed to be issued by the companies
must be fled with the commissioners
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 TO frequent exam
nations at the hands OF the Michi-
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 reserve sufficient IN
eventually mature each policy and
this reserve must be accounted Tor
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 II is sufficient, especially when
fortified by the statutory deposit with
the state treasurer, TO enable the
business OF company, In case its
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 TO a community one can
not do better than quote the words OF
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 keen student
OF the varied problems which arise
in connection with the business OF In
Sul dhOc. Daily Idlotu lhO AhlNh
igan insurance department TO 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:
II 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 to 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 benefl-
cence OF life insurance az an institu-
ton and creating healthy and In
telligent public sentiment which
would serve 10 protect the business
from ill-considered and burdensome
exactions which are too often the re-
suit OF feeling on the part Of techni-
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 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 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 30 thoroughly established
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08
CEMENT IN BUILDING.
Easy Access Has Made It's 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 a 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
IL 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-
ment dealers claim some credit They
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 II was their abil-
ity to meet the demand for cement
that allowed the city to expand rs It
did. They also intimate that they
have en- inxehaustible supply of sand
and gravel and will be able to meet
the demand for cement. no matter
how great II may be. for many years
to come.
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08

as business necessity; II Is one Of
the important things scrutinized In
examinations TO establish credit OF I'M
the TRANSACTION OF any deal involving
property, that any tendency toward
unbusinesslike methods would be Inn
nediately discovered.
The fire insurance business In De-
troit is growing and will continue to
grow with the development OF the
city as financial center. More and
more capital will be employed In II az
the attention OF inanciers 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 much larger proper
Tomato growth In these lines than we
have seen In the past ten years.
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08

life companies OF other states Issued
s36.797,043 OF insurance in the state
of Michigan, while Michigan COM
panies issued only $4,043.283 OF In.
surance in Michigan. AT the end OF
1909, companies OF other states had
I'm force In the state OF Michigan
1894, 439 1897 OF insurance as compared
with S15.48l, 295. which Michigan COM
panies had in force In the state or
Michigan. During 1909, the citizens
OF this state RENTED 10 the home
Offices. of companies located in other
states, s9,604,674 in premiums on life
insurance while the Michigan com
panies received but $434.654 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
may be cited that during the year
1908 Connecticut life companies wrote
$4,l0l,199 of insurance on the lives
of citizens OF Connecticut, and re-
ceiyed In premiums from the citizens
OF that state $l,42l .462. whereas the
Connecticut companies wrote outside
of Connecticut, $91 1854 OF insur-
ance, and received from the citizens
OF other states, 1927 .513,193 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
situations 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, u
company which began business In
1867. This company in 1906 wrote
81 .075.163 OF insurance on the lives
of Michigan citizens, and had In force
on the lives OF Michigan citizens at
the end OF the year $9,3S0,229. The
amount OF premiums paid during the
year was $33O,429.
During 1907 two new legal reserve
life insurance companies were organ
lied In Michigan, and the amount OF
insurance written by the three Mich
igan companies on Michigan citizens
during 1907 increased to s3,440, 553,
and the amount OF insurance in force
increased 10 $11 ISL sos, and by the
end OF 1909. this was increased 70
$15.481 ,295.
During 1910 another legal reserve
company began business. making four
Michigan Life Companies In all. These
four companies during 1910 wrote in
Michigan $601l ,264 OF new insurance.
had In force on Michigan citizens
nearly $19.000.000 OF insurance or
about double the amount OF insurance
In force at the end OF 1906, four years
earlier.
II is thus seen that the Michigan
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-08
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.
BY FRANKLIN 3. MEAD.
(Aetuary and Secretary Of the Michi-
uan State Life Insurance Co..

van okdkV 1tiS ahS~ OS'(
AS someone has aptly expressed II,
the period beginning With the early
for..cs when the nrtt life companies
IN America, whicn have stnc. attained
prominence, were establishedD 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 or
the best life insurance practice
The disclosures during the Arm.
strong investigation in New York, in
reference to certain OF some OF tho
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
stitutions at home. This was further
made possible by the highly scientific
plane to 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 bright future for local com
panies. carefully and CONSERVATORY
managed by men trained and expert
enced in the work which they have to
perform
During 1909, according to the Mich
lgan insurance report (the complete
figures OF 1910 are not yet available)
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-
iiected 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 a con-
stantly enlarging field of promising
prospects.
Just as the work OF 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 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 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 70 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.

S'ff'S t'ec'SeNe'
That Detroit snould 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 II 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 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 stanchness
and seaworthiness between huge
modern steel freighter and the little
old sailing craft that once carried the
trade OF the great lakes.
Marine insurance In Detroit has
w Win NHC BIOWlu Vi
on the lakes. There has been a
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 a part OF the equip
ment OF every vessel-have mado a
scientific business OF marine insur
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 vessel-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 iis-
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, 1911-04-08
Detroit
Life Insurance Company,
Subscribed Capital $25O,OO0

Nine millions Michigan in
The paid for life insurance by the middle
o vast amoun att
The Detroit Life organized that
Why
OFFICERS:
B
NJ II WATso
Generate Counsel
Asst sr dTras
Of
Of
Let and sspecalf eatu
Arizona republican., 1911-05-27
TEMPE
GRADUATING EXERCISES
 OF TRAINING SCHOOL
Held in the Auditorium and Largely
 Attended.

The graduating exercises of the eighth grade of the training school were held yesterday forenoon in the normal auditorium and were largely attended. Hon. Kirke T. Moore de
 livered a very pleasing and instruc- tive address and President Matthews in presenting the diplomas called at