davidaulloa/AmericanStories huggingface dataset:
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01

R. w. Danforth, 166 North Main
St., Concord, tried many remedies
for kidney trouble, but they did not
cure him. Then he saw an adver-
tisement of Foley Kidney Pills and
began taking them. I'm a short
time l commenced to get better, the
pains left my back, the action of
the kidneys was free and natural
and the scalding sensation ceased.
gladly recommend Foley Kidney
Pills." G. G. Bingham, B. L. Ter
ry, South Ryegate, S. g. Stearns e
Stevens, South Walden.
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01
POLICY HOLDERS DIVIDENDS
GROW.
Without Prejudice to Surplus, the
National Life Insurance Com
pany is Giving Policy Holders
Splendid Returns.


Splendid Returns.
Insurance men generally have
been impressed during the past few
years with the energetic way in
which Joseph A. DeBoer and his as
sociates have been revitalizing the
National Life Insurance Company of
Montpelier, Vermont. Strong the
company undoubtedly was when
they assumed the reins of manage
ment, but the need it was under Of
a stronger driving force the new
managers realized. How they have
energized the organization and BEN
Gifted policy holders financially in so
doing is worthy of telling.
The National Life Insurance Com
pany was chartered in 1913; began
business in 1850, retired its capt.
tai stocks in the 70's and has operat-
ed ever since as a purely mutual
company.
During the past decade the COM
pany has increased its assets over 30
millions of dollars, or about SO per
cent of its present holdings, and also
during that period it has consistent
ly advanced the volume of its insur-
ance upon a 8 per cent reserve as
sumption to nearly 70 per cent OF
the total, reduced valuations of as
sets to the ultimate market basis
and Increased its liabilities by adj
hitting thereto as new items all div
idends payable in the current year,
all taxes to be paid in the year next
following the date of report, all ac-
crued expenses of whatever nature
and also an item to cover Hnreport-
ed, contingent, mortality, and, fur
Their, special reserves. in support of
every contract liability, actual and
contingent. The policy has been to
give a service which would guaran-
tee life insurance protection at the
Lowest Possible Net Costs,
and to achieve a rate of growth and
progress which would, when scien-
tifically administered, produce that
result without either doing too great
business at the expense of the poll
cy holders already enrolled or an in
sufficient business with detriment to
average experience; in other words,
to make a company that would meet
the requirements of the best service
which life insurance can grant.
In the solution of that problem
are involved the subjects of insur-
ance policies, maximum issues on
single lives, reinsurances, unimpair-
ed medical selection, speculative
risks and numerous other questions,
all of which the National Life has
sought most carefully to dispose of
according to the experience and ac-
cording to the laws of their nature
without yielding to transient and in
nS1 sv,A Fnr. ~
regarded as permanently affecting
the life insurance business. The re-
suit has been, especially in the past
decade, steady increase in insur-
anee. assets and surplus, with reduc-
ed cost to the insured and a con-
diticn of work which now guaran-
tees the best service at the lowest
cost.
The dividends paid to policy hold
ers in the last five years were as
follows.
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01
THAT Educational Program.

We wish to call attention again to
the educational program formulat-
ed by self-appointed committee at
the conference recently held in Bur-
lington. They recommend
That state board Of education of
nine members, who shall be repre-
sentative men and women, be ap-
pointed by the governor;
and that at least three persons
professionally engaged in educa-
tional work in this state shall be
appointed as members Of the board.
Note that the taxpayer or no rep
resentatiye Of his is to have any
voice in the appointment Of this
board. The governor who is the
head of the executive department of
the government for definite term
is the only person having any voice
in it's make up and he must take at
least one third of the members from
certain profession. 1t does not say
that he shall not appoint more than
three from the ranks of professional
educators, he can make it up entire
ly from teachers if he desires and so
make the servants of the public
schools the masters of them and the
public.
That the board of education have
the administration of all educa-
tional matters of the state; approve
the expenditures of all public funds
o. %ol - -4n - two
for educational purposes, etc.
This means that this board of nine
shall have charge of every public
school wherever located in the
state. They shall decide whether a
school shall be maintained in Bear
Hollow or any other locality in
town and who the teacher shall be.
There will be no town authority in
school questions because this board
has the administration of all edu-
cational matters in the state" and
it proposes no method for choosing
or recognizing local authorities in
any way. The people are to be Civ
en- no voice in how the state educa-
tional funds shall be expended or
divided between the towns and
cities, this board must approve of
all such expenditures.
Here are the three closing rec
ommendations:-
That the state establish a mimi
mum wage for teachers.
/ That tbp state DrOvidn cvcfnro 0f
pensions for teachers.
That the state further encourage
vocational and industrial education.
This is the only place in the whole
program where the state is recog-
nized but before making this mag
unanimous recognition the board has
made itself the state in this work.
So these propositions really mean
that this board shall do these things
also. 1t shall say that it can not pay
a teacher less than a certain wage,
that it must pay the teachers a GER
tain pension and further encourage
chow the committee gives no hint)
vocational and industrial educa-
ton"
These self-constituted educational
leaders will have to guess again be-
fore they get full control of the ed
ucational work of Vermont.
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01

The sum set aside for dividend
payments in 1912 and treated in it's
annual statement as a liability is
$994,971. This makes a total divi-
dend payment in six years of So
ST., 500, a sum remarkable wheth-
er regarded from the standpoint of
constant increase or. as an amount.
The amount itself, however, is less
significant than the fact that under
the contribution method of appor-
tioning surplus the company has adj
vanced it's dividend scale
Four Times
in the last four years without hav-
ing made any change in premium
rates since 1901. For example, on
page 35 the first years dividend
upon an ordinary life policy was
$3.77 per thousand on an issue of
1908, and it became $4.62 on an is
sue of 1911. Upon the 20 payment
life plan the first years dividends
for the issues of 1908 and 1911
were respectively $374 and $500,
and for the 20-year endowment,
$4.21 and $40. These returns not
only indicate a large saving to the
insured in the so-called loading upon
finite capacity on the part of the
company to maintain the best kind
of insurance service. Indeed the
work of these years exhibits the
remarkable fact, entirely due to con-
sistent methods of work and the
right application of life underwriting
science, of an increase in dividends
for the year 1912, as compared with
dividends of 1909, on the same
forms of insurance of about % per
cent. This is a remarkable increase
in scale, and supplies the reason,
considering the large volume of
business affected thereby, of the in
crease in the amount of dividends
paid by the company in recent
years.
The question suggests itself
whether these dividend returns
Are Justified
by the experience and condition of
the company, since otherwise they
would signify forced dividend re-
turns and inability to maintain
them in the future. That question
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01
Taft and Roosevelt.

Goaded beyond reason by the false
charges of Theodore Roosevelt
against him and his party President
Taft as an obligation to the party
which elected him has publicly ans
wered those charges and exposed
the unfairness and dishonesty of
them. He gives specific evidence
that Mr.. Roosevelt has misquoted
his speech regarding representative
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01
NEWBURY.

Charles r. Taggart came home
from New York Saturday.
Mrs. Gay w. FELTON, with her two
youngest children, has gone to
position.
Mr. and Mrs. Foster Haviland
with their family are expected home
today from Portland, Me-, where
they have been spending the winter.
Repairs are being made on the
Oxbow school house preparatory to
it's being used as Chapter House
for the Daughters of the American
Revolution.
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01

We note that the Taft men in
Missouri held a convention by them
selves and elected four delegates at
large to the Chicago convention to
contest the four delegates at large
elected by the Roosevelt men in the
regular state convention. We are
sorry they did this because con-
vention that is not regularly called
and is attended by only one faction
of the regularly elected delegates
cannot assume to represent its party
in convention. TT is not good poll
tics for either side to attempt such
an act
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01
NOTICE.

All book accounts ia the store formerly
carried on by Harry 1. scott, are in my
hands for collection, and viii be until May
18th, after that date they will be placed in
the hands Of our attorney for collection.
Take your choice. No cost III you settle with
me Call at the st. Johnsbury Grocery CO.
II. +. WILSON, Trustee,
Harry M. SCOTS Estate.
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01

We wish IN this way to express our sincere
thanks to all the friends who so kindly as
sisted US in any way In our recent bereave-
ment. Especially would we mention the
sin gers the bearers and all who 20 gener-
ousiy furnished flowers. Also the comfort
ing words fher pastor. Rev. j. A. McKira-
han and former pastor, Rev. r. A.. Collins.
WILLIE TECAPgoM
RAYMOND THOMPSON,
MIS-. JENNIE L. TAYLOR,
j. w. TAYLOR AND FAMILY.
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01

dividend scales and holding out
every reasonable guarantee OF their
maintenance and even increase in
the nearby future.
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01

Here are some interesting figures
taken from a senate document: The
average express charge per ton in
Argentina is $6.51, in Austria,
$3.77, in Belgium, $4.92, in Den
mark, $40, in France, $6.SS, in
Germany, $3.50, in Hungary, $3.68,
in Netherlands, $2.43, in Norway,
$40, in Prussia, $4.32 and in the
United States $27.61. How would
you like to be a Yankee expressman?
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01

Gov. John A. Mead is reported to
be a candidate for vice president Of
the United States on a ticket with
w. H. Taft and still be is credited
with being a friend of the
president. The president may
well question whether it is his en-
emies or his friends that are the
most dangerous to his cause.
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01
AnvERT1sINq RATEs.

Local notices. wants, for SALE, ETC.,
3 cents per word hrst insertion. Lega1
notices. 10 cents a line, three insertions.
Probate notices $500 each for three
insertions. Dissolution, liberation and
similar notices $3.50 each Tor three
Obituary poetry. 10 cents line.
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01

This paper is entitled to a place on
4he Printers Ink Roll of Honor.
THE CALIFORNIAN CO.
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01

Entered at the st. Johnsbury post
@mco as second class mail matter.
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01
Report Of the Condition
OF THE
Merchants National Bank

At. Johnsbury, in the State Of Vermont. at
the close of business. April is, 1912.
RESOURCES.
Loans and discounts, Seo5, s1s. 81
Overdrafts, secured and unsecured, 3.+3
u. s. bonds to secure circulation, $50, OOO.00
Other bonds to secure y. s. Dcpos-
Bonds, Securities, etc. 45.7oo,oo
Banking house, furniture and tx a. ~ -.
Duefrom approved reserve agents, s7'752.s6
Checks and other cash items. 491.7S
Notes of other National Banks, 1,3SS.0O
Fractional paper currency, nickels
LaySfai money ress .ys n y bank n viz
Iegai-tender notes. p, e22.oo
Redemption fund with .. 5.
ea lSaioT5. 2 psf cent O s 10000
Total. s1,sO2. 40
LKABmTrIEs.
Capital stock paid in, @15o,0oo.o0
Surplus fund, 100000
a and taxes = paid paid so.eI7.z2
National Bank notes out
Due to Trust Companies and
Savings Banks, &.BOO.24
Dividends unpaid, 1883
Individual deposits subject to
Demand certificates of deposit, 15,e4l.o 90
Cashiers checks outstanding, 1.1os.4o
U. S. deposits. 1,473.6s
Total, 81 800, $3.50 40
STATE OF VERMONT
Caledonia County, IS.
l. Charles w. Ruiter, cashier of the above
named bank, do solemnly swear that the
above statement Is true to the best of my
knowledge and belief
cHAs. w. RUITER. Cashier.
Subscribed and sworn to before me this
25th day of April, 1912.
HARRY M. NELSON, Notary Public.
Correct-Attest:
GILMORE T. IDE,
HARRY BLODGE TT, Directors.
GEO. j. ASSELIN.
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01

BOatOn--Eagle News Co, 597 Wash
lngtOn and rs Summer Streets
LyndonvIlIe-Campbe and Blodgett.
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01

TERMS OF THE CALIFORNIAN.
One year to any address. $3.50
Six months, -
Three months .eV
Cisrgymen in Caledonia County. s1.00
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01
Report of the Condition
OF THE
First National Bank

At ST. Johnsbury. In the State Of Vermont.
at the close of business April Is, 1912.
RESOURCES.
Loans and discounts. 1875, TAI. 1S
Overdrafts. secured and unsecured, 4O.11
u. s. Bonds to secure circulation, 17o 100000
U. S. Bonds to secure u S.
Deposits 100000
Premiums on q. s. Bonds, 100000
Bonds securities, etc, 100000
Banking house, furniture, fixtures, 1e,5oo.OO
Due from National Banks mot
reserve agents), 36,067.43
Due from approved reserve agents, 81, 647.24
Checks and other cash items, 15,442.S5
Notes of other National Banks, $4,000
and cents cents, p''p~ 1880
Lawful money reserve in II, b bank INK, viz
Legal tender notes, 10000
Redemption fund with U. s. treas
fion a)se 80 . $4,000
Total. s7o2. eo7.se
LIABILITIES.
Capital stock paid in, $500, 100000
Surplus fund, 100000
Undivided profits, less expenses
and taxes paid, 19,65O.S9
National Bank Notes outstand-
ing 173,1OO.OO
Duefo Trust Companies and Saw
ings Banks. 5S,9O6.13
Dividends unpaid, 31.2S
check, les, ss3.ss
Demand certificates Of deposit, 1,O55.53
United States Deposits, 100000
Bills payable. including certificates
OF deposit for money borrowed, 100000
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01

Z
Caledonia County, IS.
l. Homer E. Smith, cashier Of the above
named bank, do solemnly swear that the
above statement Is true to the best Of my
knowledge and belief
Subscribed and sworn to before me this
25th day OF April, 1912.
RICHARD c. BAKER, Notary Public.
Correct-Attest:
A. II. MCLEOD.
WALTER p. SMITH, Directors.
H. A. STANLEY.
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01
PUBLISHED WEEKLY By
THE CALIFORNIAN COMPANY.
w. y. BTGELoV

70 Eastern Avenue. St JOhnsbuFy. We.
St. Johnsbury Caledonian. [volume] (St. Johnsbury, Vt.) 1867-1919, 1912-05-01

potentiality, of entirely satisfactory
asset and insurance composition, of
constantly increasing services to the
insured at reduced costs, of conser-
vative attention to all the factors
of work which signify permanency
and strength and Of unusual divi-
dend returns on the basis of actual
experience and condition, while at
the same time the company's returns
to life insurance departments indi-
cate large, substantial and actual
gains in all surplus items, thus JUS
tifying the adoption of its increased
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1912-07-04
GAN THE NOISE
IS POLICE ORDER
NO MORE WILL THAT INTERNAL
RACKET BE ALLOWED IN
RICHMOND.
AND ORDERS ISORDERS
GHIEE-ANp- MS MEN M4LI, " 4e-E
VIGOROUS WAR AGAINST IN
NECESSARY FUSS IN THE
STREETS.
AND ORDERS ISORDER

Under orders received from the
board Of police commissioners in It's
monthly meeting last night. Major
Werner and his force will wage a
war against unnecessary city noises
such noises IS awaken the shImberer
OUT Of his best sleep in tht early
hours of the morning and arouse
little children from their be0s In tear
The rolica will be ordered today to
report All vehicles loosely loaded with
heavy carsoes which go up a1d down
the main therou2htares and make
more din than is necessary. 1h"y VIII
also report automobiles running with
the mufilers open, and the cater
wauling of the markerer aud the couu-
ttt-
street when the citizens arc taking
their well earned rest viii he stoD-
ned. There has been much complaint
recently against the u1ne"eSsa rs
noises OF the street. aad the polio"
viii take hand in preventing them.
Other business trancacted by the
board last night was OF merely a
routine nature. Major Werner has
planned. however. to have an extra
detail Of police patrolling Broad
street this afternoon and tonight IN
order TO guard against accidents and
control the crowds which will be
parading the thoroughfare in cslehra
ton of the glorious Fourth. Though
it will be permissible to set eff fire.
works on the great occasion, the lines
will be strictly drawn in the viciaity
of churches and hospitals and bon
fires will not he allowed Dealers
who sell crackers larger than No. q
will be arrested. IL caught. and boys
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1912-07-04
Parker Nottingham Contro-
! versy VIII Be Settled By
81 That Officer

Washing his hands of the whole at
4air, Governor Mann yesterday turn
3ed over TO General G. c. Vaughan
Tpapers and evidence in the recent
seourt OF inquiry at Norfolk growing
sout of the resignation of Chaplain
Swilliam G. Parker from the Stale
FNilitary service.
The inquiry was held when Col mel
n. ]. Nottingham Of Norfolk, refus-
cd to accept Chaplain Parker's resig-
nation Chaplain Parker. as his
reasn1s for withdrawing from the ser
vice. charged Colonel Nottingna m
with using language nnbeeoIning 10
an officer during the encanipfneht
last summer at Cuipeper,
Govegior Mann approves the md
ings Of the court in sustaining CHAP
lain Parker. but disapproves the fuu-
1ngs recommending the acceptance Ut
his resignation Here ~ the COVER
nor's recommendation
The GoyerIOr's Recommendation
So much of the findings af the court
A. snstains Captaiu Parker Is appr"t-
I'd. but the accommodation that his
resignation should be accepted foi
the good OF the service IS disa pproVed.
In the Judgment OF the commander ~
In chief the court OF inquiry erred IN
tho following particulars a..
The court YVES instituted Tor IN
curry, to And the facts AID max"
recommendations. and should nave
examined all witnesses having any
knowledge OF the matters unoer IN
svestigation. whose names were given
by either Captain Parker or Cotohe'
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1912-07-04
COOPERATIVE
STORE TO CONE
CONFERENCE or ADVOCATES TO
RE HELD Al MtRrHN's
HOTEL TODAY.
\ @ MIDDLE NJ ( \
IMPORTANT ORGANIZATIONS TO
TAKE DECISIVE ACTION AT
NEETfNt--CoNGRE
GLASS MAY he PRESENT.
\ o MIDDLE NJ ( \

conference OF vast Importance to
the farmers OF the State. the work
ingmeu, and the common consumer.
viii he held at Murphy's hotel this
morning nj IL O'Clock.
The purpose of the conference Ia to
discuss and consider the feasibility
of establishing cooperative stores In
various cities and towns of the State.
This matter has been under cousic-
,es a&son for Il longtime by the State
Federation NJ taUUr. The Farmers
CO. operative and Educational union,
The executive boards OF these two or
CARNATIONS together with committees
appointed by them will meet this
morning to formulate some definite
plan by which the cooperative stores
may be established,
Dawson to Preside.
The body will be presided over by
e. C. Dawson. president OF tho State
Federation OF Labor
One of the most active workers
in the matter Is d NJ. Gannaway
president OF the Farmers Co-opers-
tive and Educational union, of Guinea
Mills, buckingham county. who viii
be present at the meeting.
1t Is understood that Congressman
Carter Glass will also be In attend
ance upon the conference.
In all probability stores will be es-,
tablished in Richmond. Newport
News and Roanoke as a starter, with
other places coming in later.
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1912-07-04
MARSHALL. WILL STAY AT HOME AND
ATTEND TO HIS DUTY AS GOVERNOR
Vice Presidential Nominee
Wants Them to Says
Made a Fairly Decent
Official

INDIANAPOLIS. IND, July D.
Governor Thomas r. Marshall, Demo-
cratic nominee for -yice-presidens,
when ask ed as to his plans for
campaign. said today:
II shall stay here aud attend to my
duties as governor. If ] cannot at
tend to my duty, as | see 1t. and make
any sort of a campaign. | can do one
Of two things: / can go along with
out making any campaign, or can
put the ACKNOWLEDGEMENTS in office
here. But--that is all in the future.
and I-have not given It consideration.
1T is past belief and hardly worth
saving. but ii Is nevertheless true. that
/ am not an ambitious man, and
think that very lack of ambition has
saved me from q good many temp
tations that might otherwise have art
sen in this controversy. Public office
has meant Ia me public trust, not
a private snap. | do not make this
statement. Enthusiastically because or
dlnariiy we want To watch the man
who cries stop, thief" but ! make
1t in the light Of my five years public
service. which, counting my one wear
Of campaigning, put me out of the
governors Office sis0o In debt,
.t.Y..444--e-- monetary st;tH'i print
therefore there has been nothing in
Il. but the time and money has been
well spent Al The close Of my official
term, when the shouting and tumult
shall have died away. and the calm
and dispassionate opinion of the peo-
pie OF Indiana shall have been given,
concerning my administration they
shall say: HE made us a fairly de
cent respectn hle and honorable gov
ernor."
in event Of my election to the
vice presidency, | can promise the
people OF America no different course
Of conduct than that which | have
exhibited in the Office n governor or
indiana
Gov ernor Marshall has always taken
an active interest in various forms
Of sport. boxing exhibitions are al
lowed In the state without dissent
from him MIR Marshall, who is
graduate and member OF ne board OF
trustees Of Wabash college. has been
a arm believer In all inter collegiate
sports. including football. He attends
all big football games, and is also
ha sehaH fan
The Richmond Virginian. (Richmond, Va.) 1910-1920, 1912-07-04
general RICHARD F. HOkE
DIES IN LINCOLN COUNTY, N. G..

cointon. n C., May -. 1887. His
career as soldier was among the
most brilliant and successful vt south
eru commanders. he having arisen
from e. first lieutenagtcy 10 brisadier
generaiship. Since the death Of Cen
eral Gordon. commander In chief Of
United Confederate Veterans. General
Hoke has been the ranking Cenfeder-
ate officer surviving.
Though persistentiy refusing public
office he has fer years been regarded
as North Cardinals first citizen, He
was uncle OF Senator Hoke Smith,