Newark evening star and Newark advertiser. [volume] (Newark, N.J.) 1909-1916, 1912-12-05

the alert minds of the Americans tt
work out and adapt these systems, foa
the psychological moment has ar
rived when 1t is necessary for 1t te
be done.
There r large a~ccumulations o.
capital which are now restricted tc
local communities for investment
being permitted to be applied only tC
municipal bonds and securities OF
that class, aside from local loans
When this security is created and put
into the same category, this vast
capital will then be unlocked for this
investment.
Would Aid Life Insurance.
SIN the creation Of rural securities
l have considered with especial in
terest the embodiment of a life-insur-
ance plan. 1t would undoubtedly be
of great value to have the debentures,
| or security. accompanied by such a
policy, which would insure the liqui-
dation of the Indebtedness in case OF
the death of the borrower. Further
more, it would give the rural COM
munity, which is almost q virgin field
for life insurance, an understanding
Of the value of life Insurance."
A tacit understanding among the
States that each will give its own
life insurance companies such thor
ough and proper supervision as to
make 1t unnecessary for other States
to C themselves greatly over
those companies is highly desirable
and would alleviate hardships now
borne by some of the larger COM
panies, William T. Emmet, super
intendent Of insurance of New York,
declared. Mr.. Emmett said in part:
Uniform Laws Needed.
"How shall we in the field of SUI
pervision so arrange matters that
companies which do business in moro
than one State shall not suffer be-
cause some insurance superintendent
assumes an intolerant attitude toward
all other laws and methods than his
own, and thus invites retaliation
against his home companies at the
hands of other States in which these
companies are doing business? The
frequency with which trouble of this
kind seems to threaten. even if it
does not actually always engulf us.
makes me at times wish from the
bottom of my heart that we could
have a system of national insurance
supervision in the United States. One
cannot help feeling that the existing
system of supervision by States has
been largely outgrown. Apparently,
however, we cannot have a system
of national supervision except by
amending the Constitution of the
United States. For the present, at
any rate, we must do the best we
can with the old machinery.
1.-THE tacit understanding between
the States should be, l think, that
each State will, under the spur of
constant watchfulness from all other
States. give its own companies such
thorough and proper supervision as
practically to make 1t unnecessary
for other State departments to con-
Germ themselves greatly over these
companies. If this rule of conduct
Is generally observed, | think that
very real cause of trouble to the
larger companies, growing out of our
system of insurance supervision by
States, will be avoided"
Urges Campaign Against Typhoid.
One hundred and seventy-ive thou
sand cases of typhoid fever annually
In this country would be prevented
by a campaign of education, with an
annual saving of 16. 200 lives, was the
opinion of DR.. Allan ]. McLaugh-
lin, of the United States public
health service. DR.. Mclaughlin de-
clared:
That the economic loss caused by
typhoid fever in this country is $780,
0O0, 1000 a year.
That in fifty of the largest Amer
lean cities the typhoid fever death
rate averaged twenty-five persons
per 100, 900 population as against Sc
per 100000 population in
thirty-three leading cities in North
ern Europe.
That in 1909 there were more cases
of typhoid fever in the United States
than there were cases of plague in
India.
That every case of typhoid fever
was due to somebody's ignorance OF
carelessness.
As Dangerous rs Cholera.
In part DIR. Mclaughlin said:
Twenty deaths per 100, 900 probably
represent 200 cases of typhoid fever.
Suppose 200 cases of Asiatic cholera
occurred in any American city of
100, 900 population. Would not siren
uous activity be displayed for the
eradication Of the scourge? Although
the mortality rate of typhoid fever
is lower than that of cholera, yet
typhoid fever is transmissible in
more ways, is more expensive in its
lingering course and more disastrous
in it's sequels than Asiatic cholera.
1.-THE mental attitude toward
typhoid fever displayed by many
physicians and especially health Off
GERS is scarcely more c~ommendable.
Their complacency in the face of
typhoid fever rates above twenty
deaths annually per 100000 popula-
ton is difficult to explain. If the
rate is below twenty many munich
nal officials are inclined to be salts
fed with this rate, and it is low
compared with less fortunate cities