davidaulloa/AmericanStories huggingface dataset:
The Birmingham age-herald., 1912-12-01
Bonds
New York Money

New York, November 3O.--Money on call easy; time loans firm; 50 days, 6ia per cent 90 days, 6h six months, 5s4Q6 per cent. Prime mercantile paper, per cent; sterling exchange easy, with actual bus mess in bankers bills A.S050 for 60 day bills and 4.S4.6 50 for demand Commercial bills, $4.S0A. Bar silver, 63lsc. Mexican dollars, 4SAc. Government bonds firm; railroad bonds firm
The Birmingham age-herald., 1912-12-01
St. IOuis Grain

St Louis. November 30.--Cash wheat, No. red s1.05di1. .O71s: No. hard, s61sasOc. Corn No. ?, 461c: No. 2 white 47d47lac. Oats. No. 2. 32a3So; No. ? white, 3Sc. Close: Wheat, steady: December, SGSsc; May. 91Ac. Corn, steady, December 49Ac; May, 47d471sc. Oats firm, December, 31isc; May 32asc
The Birmingham age-herald., 1912-12-01
California Oberammergau

Herman Scheffaner in the December Wide
 World Magazine
 The annual play. given but once by the Bohemian club of San Francisco in it's grove, has now attained the dignity of sort of American oberammergau. The public are not admitted to the per formances. though this has been fre- quently proposed. It Is one of the few
The Birmingham age-herald., 1912-12-01
New Orleans Cotton Futures

New Orleans. November 30.-Cotton spot quiet. Sales. 500. TO arrive. s1SJ0. Low ordinary. 9ssc; ordinary, 10 S-16c; good or dinary, II 13-l6c; strict good ordinary 12 1-16c: low middlng, l2 5-16c; strict low middlIng, 29-16c; middlng, l2%4c strict middling, F l5-l6c; good middling, 13sc; strict good middling. 1S 5-16c; middling fair, 13a.c, nominal: niddling fair to fair, 14sc; fair. 14ise, nominal. Receipts, 17.272. Stock 255, 7S7.
The Birmingham age-herald., 1912-12-01
Poultry and ERps

Hens, 35QJ0c live. per pound, 19a1ac large flyers, 12glSc; medium flyers. lie small fryers, 1sq20c; ducks, 300O4Oc. euin' eas. 25c; roosters, soc; geese, GoS,7o1 live turkeys, 1sc; eggs, fresh. ease canded, 33c; extra graded candled eesrs s5c: cold storage eggs, 25m2Sc
The Birmingham age-herald., 1912-12-01
Fish and Sea Foods

Red Snapper. l0c In Dbl. lots, 1lc In small lots; groupers. 6c; Spanish mack erel, i5c specklcd sea trout. l2Rc: carp. roughs, 6c: white perch. l0c: speckied perch. 10c; n1ulet. Glzc; sun perch or bream. 10c: pompano. 2pc: mixed fish. 71xc in barrel i)ts, 7c in small lots; crock k- CTS. 6lsc; fresh water perch. sac. Supply good, demand fair.
The Birmingham age-herald., 1912-12-01
Dry Goods

New York, November 30-The cotton goods markets closed very firm today. Cotton yarns were hign and scarce for spot deliveries. Jobbers reported steady trade. Recorders for spring deliveries were coming in steadily.
The Birmingham age-herald., 1912-12-01
Creamery Products


Country butter, 25QS0c; fresh cream
 cry butter, 3S1sc; process butter, 3t1bc : daisy cheese, 19c: imported Swiss cheese, 32c German brick cheese. goo: limburger cheese. Ice. imported roqus- fort. BIC; Neufchatel choose. per dozen, 45c; Pimcnto cheese. per dozen. yL<o.
The Birmingham age-herald., 1912-12-01
LOCAL QUOTATIONS
Pig Iron
Local Cotton
Meat

Lard, 13lsc, compound, 9ssc; b. s. short ribs, l265c; bellies, 13.20c; ham butts, 16lkc: Boston butts 14lac pork Joints. 15Iac spare ribs. 13c: breakfast bacon, 22G027c; smoked bacon. 16c; regular ham. 1Sc: skinned ham, 1Sc
The Birmingham age-herald., 1912-12-01
Wool Market

St. Louis, November 3O.-Wool steady medium grades eombing and clothing. 23is@26c; light fine. 19a21c: heavy fine, 13m 1Sc; tub washed, 27Q36c.
The Birmingham age-herald., 1912-12-01
Naval Stores

Savannah. November 30-Turpentine firm, 34149341sc sales, 19S. Rosin firm sales, 4o24. Quote: B. s5.671z; D. s57e E.
 s5.70; A. s5.75 r. s5.6oa5.75; c. s5.650t5.s0; II,
 s5. .7Oa5.s0; l. s5.75@5.SO K. $6.G0; NJ, g; N, s7.25; VIC, s135; wv, s7.45.
The Birmingham age-herald., 1912-12-01
Grain Receipts and Shipments

Kansas City, November 30.--Receipts Wheat, 105,0oO; corn, 3i000; oats, 20,O0e Shipments: Wheat, 1S7,000, corn, 1900 oats 5000
The Birmingham age-herald., 1912-12-01
Montgomery Market

Montgomery. November 30.-(Special.)- The cotton market was unchanged in Montgomery today
The Birmingham age-herald., 1912-12-01

ble reported Santos market quiet and un- changed Sac Paulo receipts, 55.o01, against 34.o00 Friday. New York ware house deliveries, 7464, against 71S0 last year.
The Birmingham age-herald., 1912-12-01
Metal Market

New York, November 30-The metal markets were dull. Lake and electrolytic copper, sl762ikd1zs7is; casting, s17.25Q 17.37is. Iron easy.
The Birmingham age-herald., 1912-12-01
Coffee and Sug,r

Coffee--ArbucKies, ys5.05 per hun- dred pounds. Luzanne. 27c per pound. Sugar. standard granulated. s,lc per mound
The Birmingham age-herald., 1912-12-01
HUBBARD BROS. & co.

Cotton Merchspts. Hsnoyer Square, N. change New Orleans Cotton Exchange, New York Produce Exchange. Asso- ciation. Orders solicited for the pur- chase and sale of Cotton and Cotton Seed Oil for future delivery. Special Attention and liberal terms given for eonsfTnments of spot cotton for oO. livery. Correspondence invited.
The Birmingham age-herald., 1912-12-01
London Stocks

movement of money toward this center and a softening in rates.
The Salt Lake tribune. [volume] (Salt Lake City, Utah) 1890-current, 1912-12-29
Towards Consolidation.

1t may be opportune to say here
that very few fire insurance companies
mako any profit whatever on their
underwriting. Therefore nearly all the
small companies with limited assets
to invest have been forced out of bust.
ness. because practically all the profit
the companies can obtain is from in
vestment rather than from under
writing. 1t appears that not only in
fire insurance, but also in all other
lines, the day Of the large company is
approaching; and therefore the marked
tendency, especially in the last year,
toward the consolidation Of small com.
panies.
Another movement is in the direction
Of publicity and education. This move.
ment is being furthered by boards and
associations above referred to, and also
by the National Convention Of Insur-
ance commissioners. This body is rapid.
ly increasing in efficiency, because of
Improvement in its personnel. Through
it's committee on publicity and conser.
walton, the convention is actively
engaged in collecting data to be used
in conjunction with the other bodies
referred to, in giving the public more
thorough and complete understanding
The Salt Lake tribune. [volume] (Salt Lake City, Utah) 1890-current, 1912-12-29
Competition for Business.

While the companies belonging TO
these central organizations are contrib.
utlng their money and time and energy
to the common purpose Of securing and
applying scientific data and the results
Of experience, and are obtaining there
by the technical knowledge required
for determining and fixing rates, yet
there are companies outside these or
ganlzations which are keen for bust
ness and use the information gathered
by the associated companies in enter
ing into competition with them. This
prevents, If even the board companies
were inclined to attempt it, the fixing
Of rates upon an arbitrary and unfair
basis, to the detriment Of tho people,
And it is a noteworthy fact. that
although the fire waste OF this coun-
try is not diminishing, but seems to be
increasing, yet fire insurance is about
the only commodity in the business
world, the price Of which has not ad-
yance6 recent1y
The Salt Lake tribune. [volume] (Salt Lake City, Utah) 1890-current, 1912-12-29
Scientific Insurance.

The bodies have not been confined
10 any one line -of Insurance, but their
formation and activity have extended
TO all fields. IL is considered that the
first requisite of any kind Of insur.
ance is absolute safety and security.
IL Is justly thought that auy warfare
among companies tending to destroy
the safe foundation upon which the
business rests epdaneers the whole in
sttution. And yet the saving feature
enters here, that because indemnity Of
various kinds cannot be limited in its
production either rs to time, or place.
or company, artificial and arbitrary
fxlng and maintaining Of rates is i'm.
possible. Therefore the boards or as
sociations referred to have reason for
their existence in their determination
Of conditions affecting the business
and the scientific application Of those
stability.
In lifc insurance. rates are fixed so
definitely by scientific principles that
associations Of such companies are
formed merely for the purpose of eX-
changing experiences for the better
ment of the business. in fire and mis-.
cellaneous insurance. however, rates
are not so definitely fixed. The expo
rlencc;. not only of years past, but also
OF each succeeding year, must he taken
into account in determining these
rates, 1t is here that boards and as.
Soclatlons do their work
The Salt Lake tribune. [volume] (Salt Lake City, Utah) 1890-current, 1912-12-29
Additional Power.

On April 30 OF this year work was
started on the installation OF an addi-
tlonal llOO0 horsepower turbine unit to
Inc companys reserve steam plant on
the Jordan river. Record time was made
on the installation of this additional unit.
vice on August 20. somewhat less than
four months after beginning work. With
the completion OF the second unit at the
Jordan steam plant. the company is now
prepared to generate by steam a con-
tinuous load OF 22,400 horsepower. which
offers ample insurance for the continu-
Gus operation or Its entire syst EN-,
The company has also materially in
creased the capacity of its water power
plants. At the Pioneer station at the
mouth OF Ogden canyon a storage reser-
voir with a capacity OF G,o00.0 900 cubic
ieet or water and an equalizing reser-
voir below the plant is nearing compile
modern water turbine units are being
installed TO replace the units which were
originally Installed in this plant In 1926
These improvements viii provide an ad-
ditional capacity of 5000 horse power
In Cottonwood canyon "A storage reser-
voir has been installed above the upper
or Stairs station. with an eQualjzing res
ton, to be used during the hours when
the demands for lighting and power are
heaviest. The design and construction
or water wheels have been so greatly
improved during the past few years that
the company can well AFFORD to scrap
the water wheels which were originally
installed at these plants and replace them
with modern and more efficient wheels,
thus getting much greater value from
the water passing over them The I'M
provements in the Cottonwood canyon
will Increase the company's generating
The Salt Lake tribune. [volume] (Salt Lake City, Utah) 1890-current, 1912-12-29
Fortunate Conditions.

These conditions arc not without tnelr
appropriate and logical causes. Condl"
tions surrounding and determining the
insurance business in this state are or
the highest class; aud il is not surprlS-
ing that the business itself reflects these
conditions In life insurance, Utah
shows 4 death rate far below the gem
eral average. Our healthful climate, the
frugal and abstemious habits Of the cit.
iZens. pure water and pure food, and
the free, invigorating outdoor life so
many of our people enjoy. have all had
their effect in producing tins fortunate
condition. TO this may be added the
splendid work of state and local health
officers. and the self f-sacrificing efforts
Of the medical fraternity in teachine
the people methods Of disease proven
tion and life conservation,
This work has been supplemented by
q number Of the life insurance com,
panies operating in this state One or
these has conservation commission
er: his entire time is devoted to edu-
eating the people in the value OF hu,,
man life and health and the criminal
wastefulness Of preveDtable diseases
and death. Another company issues
periodical pamphlets on nursing ana
thc care Of the sick, especially children.
n has also instituted a free nursing
system among it's industrial policyhold,
ers whereby diseases have been checked
aud life prolonged. Other companies
arc entering this splendid field and
ITfah will share with other states IN the
unto1d benefits of this work.
The Salt Lake tribune. [volume] (Salt Lake City, Utah) 1890-current, 1912-12-29
MOFFAT ROAD WILL
BE PUSHED TOWARD
SALT LAKE AT ONCE

Through tho efforts OF Newman Erb
who Is well known as one OF the lieuten-
ants Of the late Edwin Hawley. hopes
Of completing Denver, Northwestern &
Pacific railroad. known as the "Moffat
road" have lately been renewed. En-
thusiastic citizens OF Denver have been
trying to raise money to help build the
road, and il seems not improbable thai
they Will succeed Recently the prop
erty was taken over BIZ new company,
and IT Is. thought the limo will be com
pleted with reasonable expedition,
The Denver & Salt Lake Railroad
company with 100000 capital stock
was Incorporated In Denver December
16. II was organized for the purpose
OF. and with power TO, acquire the prop
erty of the Denver, Northwestern &.
Pacific. Lawrence G. Phipps OF Denver
and Charles Boettcher represent tsls
Denver Railroad Securities company, and
Tyson Dynes OF Denver represents the
notehoiders' protective committee on the
directorate. Newman Erb. DR.. p. 6
Pearson, w. W. Walden and Leroy W.
Baldwin are the other members OF the
directorate Mr.. Drb was named as
president OF the company.
The Salt Lake tribune. [volume] (Salt Lake City, Utah) 1890-current, 1912-12-29
Commissioner Done Reports Business on Hieer
Plane Than Ever Be-
fore.

present fire loss will doubtless he avoid
ed, public conscience and public intel
llgence are awakening TO the fact THAI
loss by fire is complete and irreparable; (;
that property destroyed is entirely de.
stroyed and the loss cannot be COW
cred by insurance. They are coming TO
understand that insurance distributes
the loss among a large number; where
as it would otherwise be confined to
tho ono person or firm owning the prop
erty. They also know that the contin-
uation Of heavy fire loss spells disaster,
distress. panic, financial ruin,
Therefore in teaching the funda-
mentals Of fire protection and preven-
ton, a service is being rendered by
the fire insurance companies, their
agents and public men, to present and
future citizenship Of this state which
will surely be reflected in the thrift
and prosperity of coming generations.
The Utah insurance department has
been active in this work not only here,
but also in other states, and it is
gratifying to note the hearty response
substantial citizens everywhere are
giving to these appeals for their own
benefit and prosDerity
The Salt Lake tribune. [volume] (Salt Lake City, Utah) 1890-current, 1912-12-29

these are subsidiary activities in which
insurance companies and the insurance
department have interested themselves,
II is thought appropriate that they
should be included in brief review
of the insurance work for the year
1912.
|. A number Of important movements
In insurance have been instituted 10.
cally and nationally in the recent past.
Among the most important of these
may be named the attempt to place
all lines of insurance on an increasing
ly scientific basis by the friendly. but
not oppressive, cooperation of compa-
nies and their officials. This has led
TO tho establishment OF boards and
associations Of companies and agents,
whose main purpose is to gather and
study data and TO secure thereby Il
thorough knowledge OF conditions af-
fecting the business and to make safe
rates and provisions for its continu-
aUce
The Salt Lake tribune. [volume] (Salt Lake City, Utah) 1890-current, 1912-12-29
Big Increase This Year.

Tho companys records show an in
crease OF 1900 residence customers during
the past year. and this amounts TO n
ten per cent increase Fifteen hundred
OF these are new houses built and con-
nected for the first time, the rest repre-
senting houses reconnected. The growth
or the companys commercial and power
business has been unusually satisfactory.
There has been an increase OF approx
mately $50 horsepower in new ipstalla-
tlons connected during the year; but the
most satisfying feature OF the business
has been the resumption OF normal opera
tlons by a large number OF the power
customers who had previously operated
at much less than their capacity
On April l of 1912 the company made
reduction In Its rates amounting to
approximately 10 per cent. 1t IS inter-
esting TO note. however, that the reduced
rates put Into effect materially stimulat-
ed the demands for electric service of
all classes. and many customers who had
previously used some other form of light
or power have changed to electric, so
that the reduction in the company's rev.
enues has not been as great as might
have been expected from the reduction
In rates.
The Salt Lake tribune. [volume] (Salt Lake City, Utah) 1890-current, 1912-12-29

The voltage on the steel tower tranv-
mission line from Ogden 10 Salt Lake
mas been Increased from IS 900 to 40 900
volts; the losses in transmitting the en-
efSy nave oecn materially reduced as a
result OF this increase in voltage the
saVlnS IN this way amounting 10 ap-
proximately 1000 horse power. The com
pany has extended this steel transmits
SION line to the receiving SUBJ station q.
the Salt Lake * Ogden Railway com
pany and has supplied for the past six
months the power requirements OF that
line.
A modern sub-station has been COM
pleted at Ogden. which puts the company
in position TO supply first class service
FOR light. power and railway customers
In that city.
One hundred and sixty-slx additional
street arc lamps have been installed al
various locations throughout the city
The most notable Development OF street
lighting. however has been the installa-
ton OF the so-called Great White way
standard four -ampcre luminous arc lamps
have been installed on each trolley pole
over. distance OF approximately two nnd
one-fourth miles. These trolley poles are
spaced 100 feet apart on each side OF
the street making fourteen arc lamps
per block throughout the entire distance
This special lighting has been installed
on State street from First South TO Ninth
south. on Main street from First South
TO Third South, and on Broadway from
Second West to Third East streets. The
illumination Of those streets now com
pares favorably with similarly lighted
streets elsewhere
The Salt Lake tribune. [volume] (Salt Lake City, Utah) 1890-current, 1912-12-29
EXPECT BURLINGTON
TO BUILD TO ZION
WITHIN SHORT TIME

About n month ago somewhat of
stir was made In railroad circles In Salt
Lake when II was announced that work
was being done along line over which
the Chicago. Burlington & Quincy once
cordlng to reports. grading was In prog
ress in tho vicinity of Moeker, Dotsero
and Chapman in Colorado. and the opin-
lon was freely expressed that the work
was being done by the Burlington.
The passing Of the Colorado Midland
Into the hands OF receivers has also
been received as an indication that the
BurllngtonI which Is said to own half
OF the stock OF the Colorado Midland
would assume control Of that road and
use 1T as part Of the through line to this
city.
The Salt Lake tribune. [volume] (Salt Lake City, Utah) 1890-current, 1912-12-29
Advice to Public.

. To the people of the state of Utah,
invitation has been given and is here
with repeated, TO place their insurance
difficulties and perpleIities squarely be-
fore this department. 1t was estab-
lished to help the people, the companies
and tho agents. It's duty to any one
Of these classes is best accomplished
by the performance of it's duty to the
other two. The companies are formed
by the people who insure in them;
therefore the state as an institution
composed Of the people is in reality a
large corporation representing the same
people who own the insurance compan-
les.
If THROUGH the efforts Of this depart
ment the people can be made to under
stand in the fullest degree the fact
that there is mutually of interest In
which the people of the state and the
company are equal sharers; if they can
be made to know that the companies
reflect whatever the people put into
them, and that undue antagonism to
any one Of these interests IS antagou-
ism to all | think it will have accom-
plished in the highest degree the pur-
pose of its organization.
The Salt Lake tribune. [volume] (Salt Lake City, Utah) 1890-current, 1912-12-29
SAL [TA|R ROAD To
Be ELECTRIFIED
Continued from Preceding Pags.)

with new equipment throughout II will
be more pleasant trip.
The improvements at the beach for tn .
coming season promise to surpass former
years In the novelty of tho new attrac-
tons and the adoption OF features for
the entertainment of pleasure seekers
General Manager J. p. Langford is now
on the coast gathering ideas and suE~
gestions and very shortly President Jo-
seph Nelson will leave on a similar
rand
1t Is also planned TO give wider pub
lcity TO the resort than ever before and
to take advantage OF the many natural
advantages Saltair possesses.
The management feels that Saltair -
not a private enterprise, but rather ma
ture's glft TO the people Of the state.
and as such they propose to sec thar
It's benefits are distributed as widely az
possible and that every reasonable effort
Is made to have the resort conform TO
the most modern ideas OF pleasure re-
sorts. Although the plans for the coming
year are not definite enough at present
TO be made public, X Is promised that
when they are announced there Will be
several surprises.
The Salt Lake tribune. [volume] (Salt Lake City, Utah) 1890-current, 1912-12-29

-HE Utah Association Of Life Under
J. writers was organized in salt Lake
City on April IL, 1905. The officers
elected at that time were: President,
John d. Spencer, secretary, Thomas w.
Sloan; treasurer, Victor Wells. The
objects of the association, AS stated in
article . Of its constitution and by
laws. wore "'to. advance in every le-
'nitimate way the interests of life in
s,Irance, and TO bring those engaged in
the business into more intimate, TREND
" social and business relations
In 1907 Mr.. Spencer was succeeded
The Salt Lake tribune. [volume] (Salt Lake City, Utah) 1890-current, 1912-12-29

the advocacy Of state insurance de-
partment, adopted by the state leeis-
latrre Of 1907: the framing of 4 code
of insurance laws adopted and said
elimination Of "twisting, rebating, mis-
representing, misquoting, falsifying and
deceiying in the selling OF life insur-
ance."
From a membership Of ten in 1905
the association now boasts OF roll.
call of fortv,cight.
II is steadily growing in numbers and
at the present writing bids fair 10 be
the largest association numerically in
the United States.
The Salt Lake tribune. [volume] (Salt Lake City, Utah) 1890-current, 1912-12-29

by Will G. Farrell, with NJ. L. Robin
son as secretary, during this admins
ruary, 1905. 20 April. 1909. The treas
urer then was Joseph V. Smith
During tho years l909-1l Joseph
MoltZer was president, Joseph V. Smith
secretary and John James, treasurer,
And 19l1-12 saw Joseph V. Smith pres
ideDt, John James secretary and Franz
Motley treasurer.
The present officers arc shown IN The
accompanying cut.
Tho association during its brjff ex-
istenco has accomplished much along
tho line of insurance, featue being
The Salt Lake tribune. [volume] (Salt Lake City, Utah) 1890-current, 1912-12-29
Accident Prevention.

In accident prevention active work
is also being done. The increasing use
Of safety appliances on railroads and
other common carriers, the agitation
for greater care in tho driving of motor
vehicles, the. use Of greater precautions
in mines and spelters, mills and fac
tories, are all leaving their impress IN
the lowering Of the average Of waste
Of human life and limb and time. As