davidaulloa/AmericanStories huggingface dataset:
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1912-04-28

may be iustifiable; but in all other cases
1t should he prohibited. To refuse such
! loans in most cases Is tantamount to pre-
serving intact the protection which a life
policy affords to the benefIclary-in most
cases the wife and family-and it is this
protection all insurance companies are
obligated to foster and preserve, for II IL
the one vital desideratum Of life insur-
ance. There are those who believe that
an Insurance company would be justified
IN putting every reasonable obstacle in
the way Of pollcyholder getting a loan
upon the cash value Of his policy, except
upon "a showing Of dire necessity To do
this would in many cases save men from
the consequences II their own folly and
would bc an act distinctly In the Interest
Of the beneficiary.
Policy Loans Increasing.
Bascom II. Robson Of the Bankers Re-
serve Life company Of Omaha was asked
Tor an expression Of his views on the
subject Mir Robson said that an ex-
animation Of the reports Of most NJ the
life companies reveals an unmistukable
tendency toward increased policy loans
1t is a dangerous practice and IL per-
mitted to grow unchecked will become a
menace TO the integrity of life insurance
as an institution This means that the
practice OF making policy loans may
grow into an abuse that can and will be
regarded as one opposed TO public policy.
and when that time comes our state
Legislature will adopt the advice OF some
of the ablest Of the state insurance COM
misslOners and put wholesale check
upon such improvident abuses Of priv!-
lege upon the part OF policy holders.
The question presented Is nearly
parallel to the divorce question in this
sense viz: That many divorces should
be prevented by law. yet law to pro-
hiblt all divorce proceedings would not
be in the interest OF public policy. Yet
in the matter Of divorces as well as in
the matter OF policy loans there certainly
ought to be a law making them more
difficult to obtain, and only upon
showing Of positive necessity"
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1912-04-28
EQUITABLE SURETY CO.
Of 81. louis.

UNITED STATES NJ AMERICA.
STATE OF NEBRASKA, OFFICE
OF AUDITOR OF PUBLIC A.
Lincoln. Feb LIST, 1917
II is hereby certified that the
Equitable surety Company Of st
Louis III the State Of Missouri uAs
complied with the Insurance Law W
this state. applicable to such COM
panles and is therefore authorized -
continue the business of Fidelity and
Surety Insurance in this state for
the current year ending january
3lst, 1913.
Witness my hand and the seal OF
the insurance department. the day
and year first above written.
SILAS r. BARTON,
(Seal) Auditor OF Public Accounts.
{. Z. Pierce, Deputy.
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1912-04-28
frotsot your ann.
Automobile Inanranc.

Your auto represents a substantial
investment. and is probably more
likely TO suffer loss through acct
dent. fire, theft. etc, than any other
form OF your property. Our policy
covers every possible automobile
loss
We issue the only complete auto
policy. We write all forms Of auto
insuranCe-any Combinstton-in one
policy
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1912-04-28
CENTRAL NATIONAL FIRE In
SURANCE COMPANY
OF Chicago.
Certificate Of Publication

STATE OF NEBRASKA, OFFICE
OF AUDITOR OF PUBLIC AC-
COUNTS.
Lincoln. Feb LIST, 1912.
II is hereby certified, that the
Central National Fire Insurance Co,
OF Chicago in the State OF Illinois
has complied with the Insurance Law
OF this state, applicable 10 such Com
panies and is therefore authorized TO
continue the business Of Fire lnsur-
ance In this State for the current
year ending January 3lst. 1918
Witness my hand and the seal OF
the Auditor OF Public Accounts, the
day and year first above written,
SfLAS r. BARTON,
(Seal) Auditor OF Public Accounts
{. Z. Pierce, Deputy.
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1912-04-28

Every owner or lessee OF a build
ing equipped with an automatic
sprinkler system should deem II as
important TO have death and injury
coverage under his Sprinkler Leak
age policy. as To have II under his
Boiler policy. Harry =. Byrne will
handle this protection for you.
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1912-04-28

The latest decisions of all the
courts are favorable to the work
man. How are you protected, MT
Employer? Can you stand long and
expensive litigation or numerous
CLAIMS for injuries Why not SHIFT
your responsibility to US?
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1912-04-28

We make the lowest rates on this
hazardous line Of insurance-the
losses are numerous and annoying to
owners or tenants Of property unless
insured.
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1912-04-28
GENERAL AGENCY'S GROWTH
How the Iusu ance Business Has
Expanded Recently.
ALL LINES FEEL THE CHANGE
Agent s0Tru'' he Able to Take
Care Of Business In Any
BraSsh In order to
Succeed,
BY HARRY ). BYRNE.
BURGLARY

There have been important changes ir
the sureI and casualty Insurance bust
ness du hg the last year Whereas ten
years an insurance man might have
only q Fled fire insurance in his office,
any g8eral agency must now carry all
line In other words the general
agsnS~ must be able to take care Of any
Request from a patron, whether he wants
fire policy. a surety bord or a liability
pqkcy. 1t might well be said that in the
iHs, rance business the department
steSe" stage has been reached. The de-
ve,opment Of the general agency along
this line is due in very large measure to
ti,e change in the administration policy
Of the various companies. Not many
years ago a fire insurance company wrote
nothing but FIRE insurance. but today al
most every fire insurance company Is
writing at least one other line, viz: au-
tomobile insurance. On the other hand,
the average casualty company is now
writing surety bonds and practically
every surety company Is carrying cas-
ualty lines.
Growth Of the Science.
In nearly every large city there is some
big fire insurance agency which special
lied many years and would not con-
slider taking on casualty and surety lines
but this day has passed-it has accepted
the inevitable and taken agencies for
companies doing casualty and surety
business. Those fire agencies which did
not keep up with the development OF the
insurance business as a whole have fallen
behind. and the small agencies which
catered to every patron and took care OF
every line Of his insurance have grown
instead.
Il In view Of these developments We have
In all the large cities general agencies.
AZ the head Of which are men with
geheral knowledge Of the insurance bust
ness\ in all its lines and over each de-
psrtment a manager who specislizes in
his lneA This does not mean, however.
that SPECIALIST does not solicit in other
lines thanl his own II the office is wei
organized and is working tremendously,
one department works for every other
department. Each line Is made TO feed
every other line. For instance, the con-
tractor who in past years gave the
agency his fire Insurance business when
he was about to build now asks it 70
~I1te his surety bona and TO protect
him with liabldty insurance. He wants
a burglary or plate glass policy on his
property. and this, to-. he gives 10 the
same office.
Effect on Financial Side.
On the financial side the business Is
changed. for instead Of the large profits
which the agency made in It's one line.
whether It be fire or casualty insurance.
lit makes a proportioaately smaller profit
but transacts larger volume Of business.
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1912-04-28
Tornado


he sure TO insure against Tornado.
The only protection II an Insurance.
policy, and tho cost IL trifling
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1912-04-28
ACCIDENT

More people arc Kept from! work
by accidental injury than are idle
from lack OF employment
Harry 3. pyrne represents the
most reliable Accident Companies in
the world
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1912-04-28

A Steam Boiler Policy protects the
assured against loss resulting from
the explosion. collapse or rupture OF
a boiler. occasioned by stean! pres
sure.
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1912-04-28
Surety Bonds

ffVNoF YOUTHFUL TOM loss through
the acts Of dishonest employees by
requiring Of them bonds signed by a
Surety company
Protect your employees by surround
ing them with the wholesome and re-
straining influence of bond signed
by a Surety Company.
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1912-04-28
PhYatniAns. pefsnas


The primary pTtnCiplc or phyRt-
clans defense IL the complete protec-
ton OF the physicians reputation =
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1912-04-28
COMPANIES REPRESENTED BIT
HAHRY s. pYRNE


General Agent Tor
Equitable surety Company, ST. Louis,
No
United States Casualty Company.
New York
American Automobile Insurance
Company. st. Louis.
Local Agent for
German Alliance Insurance Associa-
tion, New York
Central National Fire Insurance
Company, Chicago, Ill.
Empire city Fire Insurance Co.,
New York City.
Svea Fire & LIE Insurance Com
pany Of Gothenburg. Sweden.
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1912-04-28
Burglary


Guard your Jowelry, Bilverware.
wearing apparel and other valuables
by the protection our Policy affords
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1912-04-28
Fire

within the last month over $500 600
worth Of omaha property was de-
stroyed-Stroud plant, Ames Rldg..
Nash Bldg Can you afford to go un-
protected
Harry s. Byrne represents the best
fire companies in the world.
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1912-04-28
UNIFORM LIFE INSURANCE
State Insurance Commissioners Will
Will Act at Next Session.
OPPOSE LoANING ON POLICIES
Good to Either Company or Pol
Icy Holder and VIII DRAFT
PrOhibitOry Measure.

| Last August, the state insurance com
missiOners in annual session at Nil
waukee, considered many important
phases Of the insurance business. In III,
Insurance matters the only action taker
was the recommendation that a uniform
bill be drafted requiring the insertion
in the cash and loan clauses Of life in
suranee policies Of a clause providing
for ninety days notice before a company
be required to loan money under the
provision Of its policies. The matter will
come up for official action at the next
annual session
Commissioner Preus Of Minnesota said
that a protective provision in the loan
clause Of the policy. TO the effect that
an Insurance company may take thirty,
sixty or ninety days within which 10
furnish money to one desiring a loan.
does not mean that loans will not be
made on demand. The contrary was
shown in the panic Of 1907. when. during
a period Of three months. about S60O1oool
was loaned on demand. although less than
per cent Of the policies upon which this
vast amount WIS tpdllFu tbilAdAAAfh ~
mand clause. Mr.. Preus stated state
commissioners should discourage policy
holders from borrowing on their policies.
to their own detrlment. and assist the
companies. which are the guardians Of
many and the trustees OF all, In eI-
terminating a vicious practice which
must. IL II continue TO expand, shake
public confidence in insurance institu-
tons and demoralize the insuring public. >"
The association Of life insurance presi-
dents has declared itself to be opposed
to the practice Of companies loaning on
demand. Other eminent insurance au-
thoritIes express opposition to a growing
practice which bodies no good to company
nor policy holder.
Must Not Die to Win.
Before entering upon a dIcussion Of the
merits Of the case IL Is interesting to OBJ
serve that during the last bank panic
aggregate loans Of about 100000 were
made upon the security OF life insurance
po,lcies-upon the tangible values repre-
sented by such policies in the hands Of
the insuring public Many thoughtless
men too often say that the holder OF
life insurance policy must die to win"
Nothing IS further from the truth. Here
is an almost startling illustration Of the
wsl!-establlshed truth that policy in
legal reserve life company constantly
accumulates tangible values TO the holder
while he lives and at the same time ar
fords Incompatible protection to the
family Of insured in case Of his demise,
This is true without reference 10 the an
nual dividends which some life com
panies pay to their policyholders-
IT. rass q a financial panic man may
be pardoned for borrowing money upon
his Insurance policy il such action Be
necessary in order TO enable him to pay
the annual premium. or, in the case Of
great misfortune the act Of borrowing
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1912-04-28

On the financial side the business Is
changed. for instead Of the large profits
which the agency made in It's one line.
whether It be fire or casualty insurance.
lit makes a proportioaately smaller profit,
but transacts larger volume Of business.
Arizona republican., 1912-05-19
ACES OF PRESIDENTIAL CANDl-
 DATES

In an article in the June American Magazine entitled Our Next President and Some others the author, Ray Stannard Baker. presents the following facts;
 Tt is interesting to know that every one of the seven candidates, even in cluding Roosevelt. has been admitted to the bar. and five of them nave had successful careers in the law. Two have been judges. No one of them is bust nes man. and no one. save Mir. Hal mon. has had any considerable eNperi- ence with business affairs. either large or small. No one of them Is a rich man and though several of them. by virtue of their hIgh talents. have been able at times to earn large incomes, they have aiI been hard workers. Two or three of them have been relatively poor men all their lives living frugaIH and devoting themselves unreservedly to public work.
 All of the candidates. save Wilson, have had long experience in public oi- flee. and in dealing with public men and public questions While most Of them can be called able politicians. no one of them belongs to that extreme type known as machine politician; boss There is to the credit Of every one of them not little sound public service
 All of the seven, save possibly liar mon are at the very prime of life for national leadership. These are th'r
Arizona republican., 1912-05-19

ed the attaches, ratified by standing vote MT Drennam thanked the body for passing his land biu then
 turned and thanked the press the house rising Several other votes of thanks passed, and the salHe of good fellowship was smeared all over the wounds that had been made during
 the session
 Message came from the senate that
 1t had passed house bill l3S. the
 bounty law, and house bill A. semi
 monthly pay day, with amendments.
 Under the earlier resolution these
 amendments could not be considered
 and the bill fails by reason of that
 fact.
 The speaker called attention to the long service of A. A Moore who had served through this and other legis- vention and who is the oldest mem Der in the house and as mark of esteem he presented MT Moore with the gavel with which the house was | opened amid the applause of the house.
 MT. Brooks was sent on a rubber neeled mission to learn the status of the appropriation bill and report ed it would be in in a minute. Senator Hubbeu drifted in and was ! forced to make a speech. He eX- tended the felicitations of the sen ate and especially of the minority President Cunniff appeared and am nounced the arrival of the appropri-
 ation bill. The amendments were read and concurred in
 Motion carried that the clerk in ] form the senate that it was ready tc adjourn sine die
 While waiting for the senate tC arrive the members Whistled ir 1 chorus. Every Little Movement Ha. 1 a Meaning of Its own" Aud LanG 1 Syne," etc.
 Message from the senate by C 1 B. Wood that it was ready to appea l for joint adjournment was met witt l applause. Senate filed in the presi | dent assuming the speakers chai bringing his trusty gavel with him. Calling the joint session to orde l C. B. Wood was recognized and mad the motion to adjourn sine die. l was seconded by Mir Hall of tn house. carried and so ordered a l GAS D. m. AAk
Arizona republican., 1912-05-19
WOULDN'T TAKE THEIR PlCN'

When George F. Baer. chairman or the mine operators committee, was in conference with the mine workers ast month in the offices of the Trunk Lines. association at 143 Liberty street an incident occurred which afforded both the representatives of the mine workers and the committee of opere- tors a hearty laugh.
 MT Baer had proceeded to state the position of the operators on the renewal of the old three-year agree ment.
 We are perfectly willing, S1ld MT Baer as spokesman of the operators ito renew for three years more the old agreement with the mine work CTS in regard to the scale and hours of labor Now. gentlemen, you can either stop work or renew the o'd agreement Take your pick
 Take your pick; take your pick, smiIingly answered John P. White president of the United Mine Work CTS; that certainly has familiar sound. But until we get an entirely new agreement drawn up between us, MT. Baer, I'm afraid we won't take our picks"
 In the laughter which greeted thlS apt rejoinder both operators and mine workers jOined.-NeW York Sun.
Arizona republican., 1912-05-19
GEORGE" AS AN ATH
 LETE.

The Father of his Country was man of wonderful physique. Were he so incIined-two far fetched proposl- tions-he might easily have proved himself "the white mans hope" His measurements show him to have been q larger man-the word bigger seems more fitting here than our own Jim Jeffries. comparison of mea- surements may prove lnterestlhg' at least a comparison in figures Cln two ways, in this easel is more easily nm pressed ana longer remembered than mere statistics.
 Jeffries is six feet and one inch, but
Arizona republican., 1912-05-19

Washington was an inch taller Tn former champion weighed-not weigh about 204 pounds. in training, bu Washington. without an ounce of su
 periluoUs flesh upon him. ghed 9 pounds. JcIiries measured forty -thre and one-haif inches around the ches while George" went him one better Jeffries had a thigh measurement a
Arizona republican., 1912-05-19

'It is also of curious rather than or important interest that most of the seven were born in states which have long been fertile in the production of presidents and presidential candidates. Wilson was born in Virginia, Clark and Underwood in Kentucky Taft and Harmon in ohio. and Roosevelt Tn New York Only one candidate, La Toilette comes from what may be called new presidential state
Arizona republican., 1912-05-19

Cant l have another pepper mint2" asked the 3-Near-old after his regular allowance had been consum- ed The reply was negative, but so gentle as to leave in his mind q pleasing doubt After d moment of thought he suggested: delicately Hadn't We better-inSist on that pepperuint2"
Arizona republican., 1912-05-19

twenty -four and one-half nchhes, the Father of His Country twenty-five and one-half inches.
 The records show that Washington could lift a horse. could throw stone across the Potomac and could jump tventy-three feet That was won derfuI feat pistols for two.
Arizona republican., 1912-05-19

LaFobt by America an Pres
 ot arc rnw Reut tH~ side Pr dnt aft, n than Q sp He efrnert his rt n
Pine Bluff daily graphic., 1912-09-21
New York Cotton.

New York, Sept. 24.-The cotton ma. ket opened steady and sold ' to 10 points net his her during the first few minutes in response to relatively firm cables, reports of severe storms in West Texas and apErehensions of cold weather in the northern part of the belt. Private advices. however, indicated that the Texas storm had affected only a comparatively small area, and there was heavy selling on the opening advance, much of which seemed to come from leading spot in- tercsts. This pressure and talk of freer Southern hedge selling eased the market off to a net loss of about 4 to 6 points before the end of the first half hour, hut after the publica- ton of the Western belt forecast for unsettled and colder weather prices ,.alled to about the closing figures of last night,
 The market was comparatively quiet later in the morning and held about steady around closing figures of last night. Spot quiet; middling uplands, l1.S5c nominal.
 September. 11.15c; October, 11.30c; December, 11.62c; January, 11.5'c; March, 11.75c; May, 11.sOc; June, Il. sac; July, 11.S3c.
Pine Bluff daily graphic., 1912-09-21
1T < s:. sss i, j. .3' s * i. Z. i. .s. l. .. n8 * COTTON *
 + i,
g a'+* +s. < +;..+ as+9
New Orleans elton.

New Orleans. Sept. 20--Cotton-- Futures opened steady at an advance of 3 to points on good cables im- mediately after the cali the trading months were 6 10 points up. Selling became very heavy at this level, both longs and shorts offering cotton. Ring scalpers and room traders were especially active. Ali support was withdrawn and prices fell quickly bs, to 1Gopoil1ts. Vesy bearish reports concerning the ginning of tho crop in Texas and the forecast of lln- settled and showery weather for the entire western belt were the chief
 eascns for the attack Oh the market. At the end of the first half hour of business prices were [ to 10 points under yesterdays close.
 September, 11.60c asked; October, 11.54c bid; December, 11.67@11.64c; January, 1175@11, ,76c; March, 11.92 1 M11.4c; May, 1203M12.05c.
 Around the middle of the morning buying orders increased and sellers of the early morning bought hack their cotton While it was consider ed that prospective rains in Texas would do good, there were disquieting i reports of heavy winds and rains in one or two important sections of Texas and Oklahoma, and it was fear ed that fail storm might develop. Liverpool, especially, was affected | by storm news from Texas and i strength there had sympathetic in- fluence on the local market. At noon the trading months were to ) points over yesterdays final quotations.
 The market was quiet during the early afternoon, with selling of De- cember against purchases of January by some of the leading spot people and some scattering liquidation of October about the only features. Prices ruled around the closing fig urcs of last night.
Pine Bluff daily graphic., 1912-09-21
City Baggage &
 Transfer Line Waiter Douglas. Prnn

Ndltcf OOusIaS, ffOp.
 Don't worry and lose time looking for a wagon when you can Phone 1726 and get anything you want haul ed at the following rates: Trunks and any. kind of small package call ed for and delivered to any, pat of the city less than IS blocks, 25c; IS to "A blocks SOC; one grip hauled free with each trunk. If you have bag gage at the station I will call for your ral!"cad check and deliver your baggage. Il meet all trains at the union station from 6 a. m. to 7:3O D. III. Household goods moved at the following rates: Less han 20 blocks ooc to $130 per load. Get ton seed hulls less than 20 blocks soc. Trash and all kinls of garbage 25c t., $1.00 per load. Ccal and wood 50c to $1.00 per load. 1 make spec ial rate on moving pianos. If you lave packages or boxes at the freight depot phone me and I will get them and deliver them to you, a cnce. If you have anyth rg to be hauled let me haul it. 1 earnestly. sol cit your patronage. %
 osfice 82o State street, Pine Bhff, Ark, Phone l726. 9-2O-1m
 - E sF-s -.
Pine Bluff daily graphic., 1912-09-21
TAINTED

'tNTED-.t REAL. @hfasrMA%. X man who Eaa Joiliy, Wao viii w.tk fog Us H. had anl na'j,@. ously Il he WoulI for mselG t; represent ns x lusive5y ill A k; SIS Must be 9eady C mMeHee @rlG January 1. We rave arg, 1 I# known an4 Il every waE GTs,-r,a5z line of EXCLUSIVE ca Il sar, a AIycrtising SpcciG.siee. 0Hf ]ruc is so a)trac " and Vatiel f.faj each and every business Il @4eIy t'"0 n the ceun ry, wit. eHt fe ,dIt io size, can be succcs. fully .l,ci, Il. Our goods are Neiy #a+tiF bHe nc nor 90 than ouT feasouab e prices, and wc bn-v fir n tIc eN- pelien2e of othels Wto have been and are LOW III our enpioy. Una
 any br ght. hust ing nan Wha has ability and is wiling ta @oF k, caD make witt Us from $a0=to $15o per week. Commissions beral, Ot's company was orga&iz | II l$S2. Capitalized $200,0Oe.0o. W uro re spCnsib!e and moan bustneSs. IF yea do, it will ay y1ar 10 WI te Sales Manager, MERCHANTS PUB IJCIJINC FO k kAJANAIOO MICH Enclose this advertisement Wifh your application. 9-ll-2l