davidaulloa/AmericanStories huggingface dataset:
The times dispatch. [volume] (Richmond, Va.) 1903-1914, 1912-05-05
Silk Waists, $3.39---Reduced From SIS. Sc and 81

Tafctas Messaines, Chions and few Nets are among
this lot
There many different styles that you'll find all sizes
and colors
Likewise you'll find many pretty waist at half price
The times dispatch. [volume] (Richmond, Va.) 1903-1914, 1912-05-05
$22.75 Bordered Foulard Dresses. S18.75

saving OF dollars and handsome silk 1ress
is opportunity to be neglected.
Black Copenhagen and brown grounds with conven
tlonal designs printed in white
The borders in contrasting shades
There's style and finish about these dresses onlv founl
at Mosby's.
The times dispatch. [volume] (Richmond, Va.) 1903-1914, 1912-05-05
Children's Summer Dresses, CSC to $3.50

wide range Of styles, qualities and prices aunty
little tailored Bingham and Percalc Dresses the
deliberately trimmed wolfe lingerie garment 1890
But listen to this mothers. Every dress in the department
at the price.
The times dispatch. [volume] (Richmond, Va.) 1903-1914, 1912-05-05

OH must see these Dresses appreciate their value
$1a75.
Prety trimmed with Cluny lace wide black satin
at the bottoms black satin grdc and black buttons
Our assortment OF LINGERIE, WOLFE and NET
DRESSES from $500 10 $1,000 is unusually good.
Beautifully trimmed with Cuny, Tc Macramac and Val
laces; plain or bordcrcd effects.
The times dispatch. [volume] (Richmond, Va.) 1903-1914, 1912-05-05
Soc Imported Irish Dimities, l9c yd

Beautiful wash goods, inches wide, in white grounds
with floral patterns in every wanted color
The Washington herald., 1912-09-15
Lapsed Policies Valuable.

As regards the policies lapsing, this occurs
when the policy holders circumstances COM
pei them TO cease paying premiums For a
time many Of the companies will pay these
premiums, taking the actual surrender value
Of the policy as security. Many peope sup
pose that the companies interest is to see
policies lapse. They do. of course. make a
profit out Of the lapses, but that is not al
ways very substantial. certainly not when
the lapse occurs within two or three years
Of the issuance Of the policy. For the ex-
pense Of securing the business, commission,
etc. does not leave much margin.
When the premiums have been paid for a
considerable time policy need not be allowed
to lapse. for its holder can claim a surrender
value. which varies from third to half Of
the total premiums paid. OF course, the
terms offered by the various companies diff
fer materially. but where man has paid,
say. fifteen premiums of SIS each, he NAV
depend upon receiving back from the 81, ,I25
paid In from 1915 to $3.50 in cash. Or he can
accept fully paid up policy for a smaller
amount. 50 that he will still secure a propor-
tionate benefit without any further payment
OF premiums. One Of the most valuable
features Of insurance Is that the companies
are usually able and willing to adapt their
policies to the actual needs Of insurants and
on strictly equitable terms.
The Washington herald., 1912-09-15
Life Expectation 3e Years.

The calculation Of your life is simple. Let
US suppose you are 30 years Of age. Deduct
that from 50; then deduct a third from the
result That makes your expectation OF life
approximately 36 years, although you should
live 10 be Sc. OF course, you may live longer
or die sooner. But that is your average, the
basis Of any life insurance contract.
. Insurance companies. dealing with colossal
sums. must obviously make their money
work-yield the maximum Of interest. And
they command some Of the finest financial
talent available-keen. experienced men.
knowing all the markets. always on the
alert for a financial =" bargain" Controlling
vast sums in liquid cash. constantly aug
mented by current receipts, they are in the
best position to deal at the closest prices
and at the psychological moment Of depres-
sion or panic Moreover. they are doubly
strong. because they can always select their
own time, both for buying and selling What
the power Of interest means may be gathered
from two striking facts-one or two COM
panies can meet al their LA bilities out Of
their interest fund alone; certain big COM
pany earns over s20.O0oOQ0 year in interest
alone.
During the last twenty-five years the pub
lie have paid about 5000 100000 in insur-
ance premiums, while the companies have
paid their policy holders about 81 500 10000
Whence these Surplus millions? They have
resulted mainly from the accumulatiye po-
tentialities of compound interest
The Washington herald., 1912-09-15
Big Interest Possibilities.

The colossal power of that process is hu-
morously illustrated by a statement made
by an insurance expert: Had my ancestors
in A D. invested for me cents at per cent
compound interest. should have received IA
1910 little check for SI5 762 6a6 ] L. rs 90 :
900. 600 600 OOO, 10000" Obviously I leave
to him the responsibility OF these figures,
which have not checked. Although IL may
be exaggerated, this example fairly demon
strates the potentialitiss OF compound in
terest over long periods.
The essence of insurance is foresight. the
adequate provision for contingencies and
even the possible disaster. That Is why the
companies usually charge in the premiums
collected an extra amount to meet any un-
expected call on the funds. and also for any
slight miscalculation in their estimates. The
interest earned may be less than anticipated:
more people may die during the year than he
average indicated; expenses may be higher
To meet these possible circumstances the
policy is loaded with an extra amount.
More frequently than not it is found that
such precautions were unnecessary. but this
merely means that the money is availa BILE for
increasing the bonus, reducing the premiums
or for Strengthening the reserves.
While the management expenses OF each
company must. obviously. vary according to
the class and magnitude of the business
transacted. and also the financial and ad-
ministrative ability of the directors and off,
GERS. it remains true that the sources of pront
are practically the same. the amount OF in
terest earned on the accumulated funds
available for investment, by the working ex-
penses being below what have been estimated
and provided for; by the death rate being
below the calculated percentage; by the laps
ing and surrender Of a certain proportion OF
the contracts.
The Washington herald., 1912-09-15
Has Held Political Job 63 Years.
By S. R. WINTERS.

- IXTY-THREE years in one ofhce!
That is the unparalleled ONCE holding
record OF John Laws, register Of deeds
Of Orange county, North Carolina,
whose sixty-fourth nomination for the
position came by acclamation at the hands
Of the Democratic county convention as
senlbIed at Hillsboro, little town Of revolu-
tionary fame situated near the state univer-
sity.
Mr.. Laws proprietorship to the ofice-for
he Is the inalienable possessor Of the office in
the minds Of the Orange county folks-dates
back to August Jof 1s49. when he recorded
his first deed. With the exception Of a single
term OF office. back in the old days when the
County court made the efice appointments.
Mr.. Laws has, held his present job continu-
ously since that date.
The fact that he has held the office for so
many consecutive years is q marvel to asptr-
ing young politicians the country over, and
as a consequence Mr.. Laws is continually
deluged with inquiries as to what have been
the chief factors contributing to his remark
able success as q long term offceholder. In
variably, his emphatic advice to those seek
ing to carve their names on flames bright
shaft by the political route is:
you've got to pay attention to the chill
dren and women folks, and especially is It
all impoI tant that you furnish the babies
with plenty Of candy.
other than successfully nliing the bill OF
an astute politician with its attributes of a
handshaker combined with the feiicitous
manner Of dispensing some 100000 cigars
to his political friends. Mr.. Laws has been a
busy register of deeds during his long ten
The Washington herald., 1912-09-15
NOTES FROM SCIENCE WORLD

Through gift Harvard university expects
to have high tension electrical laboratory
which Will outrank anything Of the kind in
the world.
German medical men, using x-rays to ex-
anime athletes hearts. have decided that
athletic sports II properly conducted do not
inJure that organ.
Although the United States uses nearly
one-half Of the worlds tin, IT'S mines last
year yielded but sixty-three tons Of the
metal all the rest being imported.
New Zealand postal authorities are expert
menting with q letter meter which registers
the mall sent out by a man and enables him
to pay for 1t without bothering with stamps.
The Washington herald., 1912-09-15
Don't Rest on Past Laurels.

There are men who brag TO the end Of their
days OF some one great accomplishment,
which really was the burial of their ambi-
tiops In a sort of self-defense or self-justi-
fication they tell OF the time they did some
wonder. Perhaps they were once in a great
great battle with food. or fire. or field. or
men To live forever on one such deed Is
like resting on the laureis won by an an
cestor, and feeling no need for personal and
present honors.
It is not to men who allow things to over
take them but to those who overtake things
to whom come a succession Of higher and
higher victories of accumulative accom-
pnshment. These are the men Of enterprise
the men Of tireless thfrties and fiery forties.
In a recent magazine article on million
aires there was the statement: To the aver
age man great wealth Is a mysterious and
masterful thing. and its origin seems neces-
sarily invested with pecunar circumstance.
AS a matter OF fact there Is no magic or
mystery at the root of most crea ted fortunes.
Thrift vision, and the ability to put money
out to work so that it will make more money,
provide in the main the simple formula Ger
tain men, more enterprising than their broth
ers, have created tremendous opportunities
and capitalized them"
In other words, these men overlook things,
made them halt and serve them. Our philo-
sopher has said Things are in the saddle
and they ride mankind" but some men un-
seat these things, mayhap by great exertion.
and reverse the arrangement, sit In the sad
die themselves. and make things carry them
The Washington herald., 1912-09-15
Plan Wouldn't Work Today.

u want to go on record right here as stat
ing that the plan wouldn't work today. The
100 looked so good that thought I'd see
II the scheme wouldn't repeat So sent out
a dozen more letters and closed up FIVE con-
tracts. The thing that made the proposition
look doubly good was the fact that on all
these contracts 1 was getting the bulk Of
the supply business and naturally this
swelled my earnings considerably.
After my friends had started work on the
SIX new contracts I decided that this was too
good a thing to drop. so I sent out more let
tiers, secured more contracts, and turned
them over to another accounting concern on
the same commission basis. Not satisfied
with this. I started out TO make this part Of
my regular business and at the end Of another
six months had commissions coming from
some twenty-seven Jobs and practically all
the supply sales on these contracts
II might mention that instead OF selling
our goods in the meantime I was spending
my time securing systematizing contracts
and the goods were automatically selling
themselves through the contracts thus Sc
cured
Too much prosperity. ! was making SO
many sales that our manager out Of sheer
self-protection. was forced to come down to
New York to see whetherI was securing or
ders with a piece of lead pipe or some other
strong arm method I absolutely refused to
tell him the method I was employing. feeling
that my best insurance Of its continuance
was absolute secrecy. He went away in a
hun and In less than two days a letter came
down. asking for my resignation. That man
was a chump. He thought It was the repu-
tation Of our goods that was doing the selling.
Didn't realize that 1t was yours truly behind
the gun who was making the shots count
sort O. thought we had self-aimer' But
personally I never heard OF one.
The resignation business suited me we'll
enough. I had a big bank account and could
see my way clear to making big money right
along securing the systematizing contracts.
SO + left and hung up my own shingle Went
into the business right. About month later
I received a wire followed up by a personal
call from my late manager begging me by all
that meant salvation for the branch to come
back to the fold. OF course refused, but tits
talk resulted in DEAL whereby turned the
So I had the money coming In from both ends.
and as I had no overhead expense the going
was easy.
lone day was talking with the head of
q manufacturing concern located down in the
western part Of New York state. Tell you,
Hames,' said he, nothing doing on the
bookkeeping system end Of 1t. Our expense
there is light. but II you'll show me how to
cut my. factory costs I'll pay you WELL
How well?' asked l..
". Give you half of the first years saving
said he
The Washington herald., 1912-09-15
Life Expectation
FiguredtoNicety
By R. BELFORT.

IF you were told to figure out the problem
OF human life and determine the average
age at which men die you would probably
declare Il impossible to do 30 with any
degree of accuracy. But there's where
you are mistaken. for on the solution Of that
very problem the great life insurance COM
panies base all their financial strength BY
knowing to a mathematical certainty Just
how long the average man will live they are
able TO fix an equitable rate Of insurance and
maintain sufficient funds to meet all Just
claims. and-whatfs vitality important-earn
interest meantime.
Contrary TO the general belief. life insur-
ance companies are not taking any great
chances. for all their calculations and rates
are based on ascertained facts. as revealed
by millions Of carefully collated cases, show
ing the average number Of deaths per LOCO
among various classes. Quoting the rate for
a policy is no blind. haphazard operation. but
one having a sound actuarial basis. For.
while individual life is ever an uncertain
quantity, collective life is subject TO mys-
terious law OF average. which enables the
companies to transform into practical scien-
tific certainty what would otherwise remain
a perfect lottery.
These vital statistics are called mortality
tables. Of which there are several Lives
differ in quality as in length, and there Is
a great difference between that Of the cler-
gyman and the saloonkeeper. There is also
a big difference in the quality and length Of
the lives Of grocers and coal miners. servant
girls and wives of wealthy men.
The Washington herald., 1912-09-15

ure OF office. Since the year 1868. when the
present method Of Issuing marriage licenses
went into effect. he has issued over 5000
licenses, and likewise has he recorded land
deeds by the thousands.
This remarkable oficeholder Is now enter
ing upon his eighty-eighth birthday and is
as hale and hearty as a youth of twenty sum-
mers. He has been married twice and is the
father Of nine children. the oldest child now
entering his sixtieth year and his youngest
just II months old. His present wife is only
% years old. Contrary to the views Of many
noted physicians, Mr.. Laws attributes his
extreme good health In old age to the fact
that he has drunk only a gallon Of water in
the last twenty-five years He drinks an
abundance of buttermilk and strong coffee
The Washington herald., 1912-09-15
No Saving. No Pay.

so not wanting to overlook chance Of
making money I told him to put that on
paper. No saving. no pay. He was on the
safe side all right. So I went out in the
factory TO look things over. not intending to
make any sugsestions-more out OF curiosity
than anything else. for, as a matter of fact,
Intended to turn my contracts over to some
irm In the city and Nt them go ahead II
they wanted to.
First thing that hit my eye was man do
ing a Job in rather a peculiar way.N stepped
over to his side and " watched him. First he
would take a bolt and drive It through, then
cIinch It. then cut on the head of the bolt
and clinch that side. The cut OF head went
into the scrap heap.
II called the owners attention to what he
was doing. What Of it?' he asked. We've
always done 1t that way. That man isn't
wasting any time No. said I, but you
The Washington herald., 1912-09-15
CASHLNG IN ON ECONOMY
Chronicled by IRVING R. ALLEN.

are wasting money. Plain iron bars would
do as we'll as bolts, wouldn't they?
Yes, said he, and formed bolts cost a
lot more than bar iron. Old man, l believe
you've made some money for yourself and
for me on that contract already. Come into
the office.'
IL did. and We took the order books ard
figured things up. They used lot Of bolt.
in this work in the course of year and the
saving on that one item amounted to more
than $500 year. -Four hundred collars for
my fifteen minutes work, Say. that struck
me right. SO I stayed there for three days.
went over the factory thoroughly, and ef-
fected two other similar savings that in
creased the earning Of that contract to s.. .OoJ
We discounted my half at 10 per cent. they
paid me $500 cash, and went back 10 New
York with a brand new idea in my think box
i forgot all about the bookkeeping end for
the time being. Nothing doing on the penny
saving business while there was chance to
get IN the dollar class. I prepared another
letter stating my proposition clearly.
That In return for an agreement to pay me
amount equivalent TO one-hah what I
saved them the first year in their factory
/ would come down and go over their plants.
Nothing saved. nothing paid. I received an
swers TO nine out OF every ten letters sent
out on that basis and forgot all about book
keeping systeu1atizing for three months l
went 10 my different factories, signed up nv
agreements. and started out TO cash in on
the economy business. And I did. No, I
didn't know anything about factory cost ac-
counting and didn't try to save money Cd
the mems labor.
The Washington herald., 1912-09-15

went 10 the deals. had no idea that this
work ran into much money, and when at the
end of four months received my commission
checks on the four Jobs. which read sl.s0.
thought they were crazy. So went around
to see the boys and verified the checks. Sure
enough the four jobs had averaged $500
apiece and my commission was right. This
OF course was before the days OF certified
public accountants and professional ethics.
The Washington herald., 1912-09-15
Finds What He Is Looking for.

Let me explain. Here was the way 1t
operated: A firm Of public accountants was
employed by a concern to install a new book
keeping or financial system that would give
them better reports on their business and in
some cases require less help to operate. A
new system meant new blank books-new
forms-newmaterIal. and that was what I
sold, SO that is where came In. There were
about forty-two firms Of public accountants
In New York City at that time
"In next to no time was next to about
thirty-nine out OF the forty-two. and bust
ness was continually coming in from one or
the other or three and four at time.
Enough said Business doomed down in the
New York branch and I started to get stout.
I haven't stopped since. as you will notice"
and the Stout Man patted himself compla-
Gently on a prominent spot until the Average
Man was led to believe that he was that
rarity, a stout man who was proud OF his
ayoirdupois The Stout Man continued.
$50 most Of my time was spent with the
accountants. And while they were experts in
their business and effected wonderful savings
for they clients, they were far from being
progressive in other lines Not one OF them
had a salesman out. Not one of them did any
advertising. Their business just came TO
them-dropped out OF the sky-one client
recommended another. Think of it. So
began to do little figuring on my own ac-
count and It ended up by my making tenta-
tive agreement with the bunch was closest
to- They agreed to give me 10 per cent COM
mission on any business swung their way.
First thing did was to write a letter to ten
Of the biggest concerns in New York City
stating that their bookkeeping was the one
expense Of their business which brought no
returns and believed could show them q
way to reduce their expense without cutting
down results They had never received
letter of that kind before and received
prompt responses.
Without going into details. closed up with
four Of them within ten days and my ac-
countant friends had the biggest six months
work ahead Of them that they had ever gone
up against But they were equipped and they
The Washington herald., 1912-09-15
7 YourMoney?

THE Mo-" d~ long breath and inhaled the 'ogo"" the on1 @d delight which the
set bae him
Aa the soup said h IH glad tell YoH don't mind vdhi" 'e
immediate
The Washington herald., 1912-09-15

~HE higher critics deny that the world
was made in seven days, and the geolo-
gists support them by showing that the
terrestrial globe was icons in grow
ing to what 1t is now. Nevertheless
the idea Of the seven days. with some specific
thing completed on each day. satisfied the
minds OF men.
It may be to confuse the sacred and pro-
fame to mention the history OF Solomon
Grundy, born on Monday, and having very
specific things happen to him on each day
Of the week. including marriage and death.
shakspeares great iassage about the
seven ages OF men has been quoted and paro-
died until worn to rags. but 1t is. neverthe-
less, a wonderfully vivid picture Of the life
of a human being. the pulling baby, the wh!n-
ing schoolboy, the young lover, the man OF
different stages of maturity to the old man
without teeth. without everything.
The preacher realizes that there is an i'm
prepsive lesson to be brought home totmen
by presenting them with picture which
helps them to realize that time flies, that life
is divided into pretty definite sections marked
by time limits. each having specific char
acter, and each enforcing certain duties and
requirements. The privileges and opportuni-
ties of a third period are not those of a fourth
and there is little or no opportunity unless
under severe handicap and almost ferocious
Iabors-Iabars deeply inspired-to make up
lost time. "a
An Inventory of Life.
The Rev. Joseph Cook put the idea into
brief expression when he ahiteraUvely de-
scribed what life means: Life means ten
der teens, teschable twenties. tireless thir-
ties, fiery forties, forcible fifties, serious
sixties, sacred seventies, aching eighties.
shortening breath. receding earth, the sod
God"
I'VE 90 not consider II good business-it used
to be a great oocupation-tot think much about
receding earth and the sod nowadays. but
every man may keep himself little more
definitely to the chronology of living IL he
will but recall once IN while just where
he stands balance his ledger at stated Pc
RODS, cash in for one and open a new account
il the next.
A man who wants to get ahead must keep
aware OF where he is, whether he Is simply
marking time or whether his pedorleter tells
a story Of miles covered; whether he has
gone from boundary or Is stalled somewhere
in midstate.
It is easy to drift along in life. never quick
ening the pace. letting things overtake you
instead Of your oyertaking them. This is
the way Of life of the easy going. who may
believe that they can initiate the sagacious
turtle who won the race against the hare,
won by strategy, We may say, but It was
strategy that involved deceit The turtle
won once and at a fatal cost mayhap. II he
forever Dragged Of this one victory and never
tried to win other laurels.