davidaulloa/AmericanStories huggingface dataset:
The Fargo forum and daily republican. [volume] (Fargo, N.D.) 1894-1957, 1913-11-06
Insurance Business
Is Drifting Toward
State Regulations
State Insurance Commissioner Taylor Makes a Statement
in Which There Is a Rather Sharp Warning to the
Insurance Companies Doing Business in ND.

capital and interest on surplus and
unearned premium account.
Another consideration: The last
legislative assembly enacted a law es-
tablishing q fire marshal department,
and this department has been in ac-
Incorporation for several months. 1t
is reasonable to suppose that it's activ-
tiles nave tended to minimize both the
physical n moral hazard attendant
upon the fire insurance business. The
cost of maintaining this department
which is not Observation-Disclosures
no additional burden upon the fire
companies with the exception Of do
nestle mutuals. An increase of rates,
in the face of this additional measure
of protection, would seem 30 require
some explanation, to say the least.
An action has been commenced in
the supreme, court the purpose of
which is to restrain this department.
from putting into operation the state
bonding law enacted by the Thirteenth
Legislative assembly, and during the
tendency OF that action it would be
inappropriate for me to discuss the
matter. However, lit should be remem-
bered that the Judgment of the court
will probably turn, not upon the in
trinsic merits of the act itself, but up
on it's constitutionality. Whatever
may be the outcome of this litigation,
the significant fact will remain that
the premium rates for fidelity and
surety bonds were increased several
hundred per cent, as a direct result of
| which the state interviewed and said
IL would undertake to bond counties,
cities, towns, townships and school
districts against loss by default Of any
officer.
81 am not now-and have been
The Fargo forum and daily republican. [volume] (Fargo, N.D.) 1894-1957, 1913-11-06
NJ YARD TO 90.

BY George Matthew Adams: Two
noted football teams were fighting
fiercely for a victory. One team led
the other In points. The other team
was within one yard of making a score
that would give to it the lead-may~
be a championship. Also it was the
latter teams first down" There
We're four chances, and but-one yard
to go. But the opposing team held!
Make your every act a preparation
for the one yard to go.
For as truly as 1t has been said
that 1t is the last ounce that breaks
the camel's back, so 1t is also true that
1t is the last fine power OF reserve and
confidence and fight that wins for a
man in every important task or effort.
Make your every act a preparation
for the -one yard to go.
There are plenty of people who al
ways seem able to dc their work
fairly we'll" but they are those who
attract little, if any attention, and are
not in any way preparing for those
emergencies, that arise in the life OF
everyone, when a man is called upon
to quickly gather together for one
strong, determined action, the forces
that will place him in the class with
those who are to face and win, with
but-one yard to go.
Make your every act a preparation
for the one yard to go.
The Fargo forum and daily republican. [volume] (Fargo, N.D.) 1894-1957, 1913-11-06

Bismarck. N. D., Nov. 6.-That the
business Of insurance in North Dako-
Ia Isl drifting straight towards the
rocks and shoals OF state regulation OF
rates, Ii not state rate-making itself,
was the opinion expressed by lnsur-
ance Commissioner w. G. Taylor to-
day. This fact may not be apparent
to the casual observer" said Mr.. Tay-
lor, nor even to the insurance COM
panies, but the straws showing which
way the wind is blowing are flying
thick and fast around the department
If insurance. just the same.
Take the matter Of fire insurance
~ratessfor example. A. good deal of re-
rating has been done in this state dur
Ing the past year, and from inquiries,
complaints and protests coming to
this Office it would seem that in each
Ease the rates are being revised up
ward. JIG such is the case, car that
sort of revision be justified?
During the year 1912 the average
loss ratio in this state was a fraction
over 53 per cent. In other words, for
every dollar paid the fire insurance
companies for premiums, 53 cents
were returned by them in payment of
losses. ThataWould leave Az cents out
Of each dollar for operating expenses
and pTOnL- STATISTICS snow LnaJ Lne
operating expenses of ALI fire i1sur
Rnca companies doing business in the
United States during 1912 averaged
38.6 percent, so that on the basis of
last years business companies oper-
atingt in North Dakota earned or saved
B.4 per cent. over and above all ex-
penses. This saving was on the m
fIerWriting end of the business alone,
and does not take into account the
ysroHta axiaitag 1ropm the4investnent OF
The Fargo forum and daily republican. [volume] (Fargo, N.D.) 1894-1957, 1913-11-06

Ing. good the exhaustion thereof for
which an allowance Or has been made.
CD The amount received as divi-
dends upo the stock or from the net
stock company, association or insur-
ance company which is taxable upon its
net income.
(8) The amount of income, the tax
upon which has been paid or withheld
for payment at the source of income.
Note-Money or other things OF value
disposed Of by gift, donation or en-
dowment shall not be deducted or be
made the basis for a deduction from
the income of persons or corporations
in their tax returns under the income
tax 1aw.
signed
Address ...-.......
Money or other things Of value, dis
posed of by gift, donation or endow-
ment. shall NOT be deducted Or be made
the basis for a deduction from the IN
come of persons Of corporations In their
tax returns under the income tax law.
Deductions for 1913.
Amount of deduction allowable for
1913, according to paragraphs u and
D of section 2 of this act:
For the present year OF 1919, from
March / to Dec. 81, the deductions al
sixths Of the deductions allowable fol-
a calendar year., as specified in para
graph d of this law.
Amount to BE withheld.
Amount of tax to be withheld for
1918 and when withheld:
The withholding agent Is not reduir-
ed to deduct and withhold prior to
Nov. 1. 1918, the normal tax Of - per
| cent for which an individual is liable.
Whenever the total amount of income
paid to any person by q hho
| agent, after Oct. 81, 1913, shall be In
| excess of s. 5000 then, in that event the
withholding agent shall be liable for
and shall deduct and withhold the tax
OH such amounts, unless such person
hall file a claim for an exemption az
allowed in paragraph of this act, the
amount of exemption allowable being
$4,000 lie the annual exemption is 3d..
600, or s 3,333.33, If the annual exernp-
ton lis $4,000 as the case may be.
Physically Unable.
Persons physically unable to make
returns.
If a person subject to said tax. part
Of whose income is withheld, or is to
be withheld, is a minor or Insane per-
son, or lis absent from the United
States, or unable to make the applica-
ton or return because of serious illness
the application or return may be mad
by the withholding agent who shall
make the following d under the pen
alties of this act:
Form OF oath required of a. withhold
ing agent when acting for another in
filing return and making application
for deductions allowable under para
graph 3 AZ ngaYided Ia -nara&EaEh A
The Fargo forum and daily republican. [volume] (Fargo, N.D.) 1894-1957, 1913-11-06

in favor of rate-making by the state.
So far as fire insurance rates are con-
cerned, / believe the subject is en-
tirely too intricate and technical to
warrant the state in attempting to for
mulate rate schedules. Nor has that
sort of innovation worked out well in
practice. But this does not mean that
the people of North Dakota have no
rights in the premises. They have.
They have a right to know whether
the rates which they are compelled to
pay for fire insurance are fair and
equitable or not. If the business Of in
surance is of a quasi-public nature
and it is-then the public is entitled
to at least some quasi-information on
the subject of rates.
Fire insurance rates in North Da-
kota are determined and promulgated
by the General Inspection Co., of Min
neapolis, MINI. But property owners
in this state dc not know and have no
way of knowing whether these rates
are fair and equitable, considered as a
whole or in respect to the various
classifcations. The entire matter Is a
closed book. The assured is supposed
to pay the premium, ash no questions
and look pleasant. So in respect to
the enormous increase in the rates
charged for fidelity and surety bonds
An increase which seems to have
been reached al the result of a friend
ly agreement between the companies
writing this class of business. This
sort of thing must be justified, or the
companies may expect trouble.
SCI believe in fair play and the square
deal; nor do I share in the prejudice
which is too commonly entertained
towards big corporations just because
they are big. But we should have light.
Let the big insurance companies open
their books and show cause. The peo-
pie demand this"
The Fargo forum and daily republican. [volume] (Fargo, N.D.) 1894-1957, 1913-11-06

section 2 of the Federal income tax
law of Oct. 8, 1918:
II hereby swear Cor affrm) that ]
have sufficient knowledge of affairs
and property Of ........,.... (nam-
ing person n address for whom act
ing) to enable me to make full and
ii0mp p]ersone1 suf and I1 tbaf the ret,rn n nam IN.
come and application for deductions
made by me are true and accurate"
- SiSned
Street and No..........
Date CIV i ana st. 49,.
Signed sworn to before me....
............ 1871.
Subsection + of section 2 Of the n
come tax law provides inter ALA as
follows:
Any person or any officer Of any COR
poration required by law to make, rem
der, sign, or verify n return who
makes any false or fraudulent return
or statement with intent to defeat or
eyade the assessment required to be
made, shall be guilty of a misdemeanor
and shall be fined not exceeding $500
or be imprisoned not exceeding one
year, or both, in the discretion Of the
court, with the costs of prosecution.
Commissioner Of Internal Reyenue.
Approved Oct. 81, 1913.
w. G. McAdoo,
Secretary of the Treasury.
A visible Proof.
Baltimore American: at was prove
the Bulgars did commit atrocities"
Sure they did. Look al the fash
ions we got from 'em."
.-# .a'.- .-.HhHEL-
The Fargo forum and daily republican. [volume] (Fargo, N.D.) 1894-1957, 1913-11-06

Continued from Page Ten.
at the source, who may wish to avail
himself of the deductions authorized
In subsection B, section 2 of this act,
may file either with the collector of in
ternal revenue for h district in
which return is made for him, or with
the withholding agent, not less than
thirty days prior to March 1, a return
an notice in substantially the following
form:
United States Internal Revenue.
Return and application for deduc-
lions as provided by paragraphs B and
-, section II Of the federal income tax
law on Oct. 8, 1913, to:
Name Of withholding asent.>
lStreet and number.
Crown or city, (State.)
hereby solemn1y declare that the
Following Is a true and correct return
OF my gains, profits and income from
all other sources for the calendar wear
Dec. 81, for the year 1919 and a true
and correct return of deductions asked
Tor under paragraph 3 of section IL OF
the act Of Oct. 9, 1919. and hereby
claim deductions as shown below.
Amount of gains, profit, interest
rents, royalties, profits and copartnsr-
ships and income from ali other
sources whatsoever.
Deductions,
CD The amount of necessary ex
penses actually paid in carrying on
business, not Including personal, living
or family expenses.
(2) All interest paid within the year
on personal Indebtedness of taxpayer
CD All national, state, county, school
and municipal taxes paid within the
year lnot including those assessed
against local beneflts.)
f4) Losses actually sustained during
the year incurred In trade or arising
from fires, storms or shipwreck and
compensated for by insurance On
otherwise.
(5) Debts due. actually ascertained
to be worthless nj charged off within
the yea
l6) Amount representing a reason
able allowance for the exhaustion
wear and tear of property arising out
of Its use or employment In the bust
ness MOTTO exceed in the case of mines
5 per centum of the gross value of the
output for the year for which the com
putation Is made, but not including the
expense Of restoring PROPERTY. OK max
The Fargo forum and daily republican. [volume] (Fargo, N.D.) 1894-1957, 1913-11-06
"cALlFoRNlA SYRUP OF FIGS
CAN'T HARM TENDER sToM-
ACH. LIVER, BOWELS.

Look back at your childhood days.
Remember the "phygic'' that mother
insisted on-castor oil. calomeI, ca
thartics. How you hated them, how
you fought against taking them.
With our children it's different.
Mothers who cling to the old form OF
physic simply don't realize what they
do. The children's revolt is well
founded. Their tender little einsides''
are injured by them.
If your cIlild's stomach, liver and
bowels need claansing glya '.ssaliaax-
The Fargo forum and daily republican. [volume] (Fargo, N.D.) 1894-1957, 1913-11-06

Madison, wis, an i. 1918. M. ID.
Reynolds says: This is to certify that
I have been a great sufferer from
Rheumatism since 1894. Contracted
the disease while working with a
snow plow on the railroad. For sew
eral years I have been obliged to use
lcrutches a great part Of the time.
Having used three boxes of the Meri-
tol rheumatism Powders, have
thrown away the crutches and am
now almost fully recovered. 1t GER
tainly has done wonders for me and
no1ds. Central Drug Store, 66 Broad
way. Fargo. N. D.-Advt.
The Fargo forum and daily republican. [volume] (Fargo, N.D.) 1894-1957, 1913-11-06

FOR STATE NEWS READ THE FORUM
The Fargo forum and daily republican. [volume] (Fargo, N.D.) 1894-1957, 1913-11-06
COLLECTION OF INCOME
TAX AT The SOURCE"
PUZZLING BANKERS

Continued from Page Ten.
Alexandria gazette. [volume] (Alexandria, D.C.) 1834-1974, 1913-09-30
CEREMONIAL SESSION.
Committee of Acca Temple to Meet
Saturday Night in Elks'
Home

E. E. Downham, imperial repre-
sentative of Acca Temple of the
Mystic Shrine, has issued call Tor
all of the commitetee having III
charge the arrangements for the
ceremonial session of the Shrine on
Saturday night to meet him tomorrow
night in the Elk's Home, when final
arrangement will be made for the en-
terta;nment Of The visiting mobiles
The Richmond shriners Will reach
here in the afternoon Of SATURDAY
and will bring a baggage care load
ed with paraphernalia to be used IN
the initition of twenty or more neo-
pl,vtes from Alexandria and sua-
rounding town in the northern part
of Virginia.
The ceremonial session will be nelo
in the lodge room at the Eiks Home
which has been rendered to the Shrine
for the occasion. The traditional ban
ouet will be served in the Elks audl'
forum
A large number of members Of
Alrnas Temple, of Washington ar
oxnectcd to attend the meeting.
Alexandria gazette. [volume] (Alexandria, D.C.) 1834-1974, 1913-09-30

The Right Rev. Robert A Gibson
ID y. and his daughters, Misses
Lucy and Mary Gibson, have returned
to their home on Park avenue, klch-
mond. after spending the summer IN
Europe.
Mrs Fannie Cook celebrated hel
Ilbirthday yesterday. She was the re
cin;ent of testimonials in the shape
Of gifts from her friends AT TN
close of the day she gave. supper
TO a number of friends. The men'
was elaborate. and prepared accord
inp to her we'll known culinary man
ner At the colse of the feast MES
Cooks guest wished her many more
celebrations Of the anniversary o.
her birth.
Miss Eliza Douglas has returne'
from A visit with friends at Sand!
Springs, Md.
Miss Alma Desio, of Washington
was the week end guest OF MIS-
Kathryn Brill in Duke street.
Ensign Henry Blow LIE BOURGEOIS
U: S. S., Dolphin, and Mrs. lie Bour
pcois who spent the past seVers
months in New York, have taken a
apartment in Washington. The DOL
!; nhin will be stationed at Washing
ton for the winter
Mr.. and Mrs John o. Waters,
744 Rock Creek Church Road, WASH
jnpton. d. c., ihave announced tn
engagement of their daughter, Mari
Theresa TO Mr.. Leo F. Downcy, c
Alexandria. -r.
Miss Waters has number
friends and acquaintance in this CIT
where she attended st. Mary's Acac
envy, and is now treasurer OF .
Mary's Alumnae.
Ensign Cary W. Maeruder, y. s
n. and his bride, who was MISS Cnar
lotte 3. England, of Baltimore, WI
sail for Havre next week, going t
Paris. where Ensign Magruder WI
be attached to the station engaged
the exchange of time signals betwee
Paris and Washington. Their mar
riage took place Saturday evening
at the home of the brides parents
I The ceremony was performed b.
Rev. William NJ. Dame, rector OF Me
mortal Protestant Episcopal Church
in the presence of the members o
the two families and a few intimat
;: friends. Mrs. George Olcott, o
New York. formerly Miss Maria
Wyatt, of Baltimore, was the mstro
of honor, and Lawrason Magruder, 6
Vicksburg, Miss, WAS his brother
best man.
Miss Lisa Anderson has returne
to this city from Baltimore where sh
went to attend the wedding.
Alexandria gazette. [volume] (Alexandria, D.C.) 1834-1974, 1913-09-30
FINED TWENTY DOLLARS.
Eor-o with 4 Pistol Threatens to MI
Woman-Had Just Been Nc-
leased.

Henry Little, colored, was brought
before the Police Court Saturday
,,,ornino to answer the charge OF dis
saulting Martha Mayors, co'ore'' nc
was fined $40, and yesterday was re-
leased when his employer paid 3d. ne
being unwilling to expend any more
upon him.
Little, upon being released started
IN the war path again, making col
nrod woman named Emma Murray
his target. He used threatening
language towards the woman brahC-
;shed pistol and said he would use
tbe weapon and run away from the
city.
Upon the arrival of officers In the
court bounded by Prince, Duke, Al
fred and Patrick streets Little thFe"
the pistol out window, and the Of
ficers having secured the weapon took
the negro in custody
He was brought before the Poi'cc
Court this morning when the Mayors
woman added her testimony to that
of Emma Murray. Little denied the
charge of throwing the pistol out OF
the window, but it was positively
identified. He was fined $50 and in
addition was told he must furnish
bond for his good behavior in future
Alexandria gazette. [volume] (Alexandria, D.C.) 1834-1974, 1913-09-30
Whitewater is Made Eligible For
Service on the State
Roads

Among the cases on the docket OF
Police Court this morning was that
of Arthur Mankin, who had beeu ar
rested at the instance of his wife on
the charge of assault and cruel treat
ment generally. She exhibited a
broken finger in attestation of her
charges.
Last Sunday morning Mankln, VINO
conducts a shop in the western sec
ton Of the city, according to the evil
dence, was engaged in Paying cards
with some of his customers Or friends
when he became incensed at MS
daughter and wife and the assault
upon the latter followed.
When asked if he had any reply t
make to his wife's allegations, NJ
started out by saying he had beer
drinking, and turning towards HI:
wife suggested that if she give HIN
another chance he might maxi
good"
The court "put it up to the long
suffering wife to say what should b
done with her liege lord, and sh
was given an opportunity to with
draw the charges she had preferred
But her patience had been exhausted
and she intimated plainly that sh
wanted. something done with the pris
oner. The latter was thereupon sent
enced to jail for ninety days.
Before leaving the room the com
plainant thanked the court for tn
dccisin and. said she would EMO
tranquility for season.
Alexandria gazette. [volume] (Alexandria, D.C.) 1834-1974, 1913-09-30
STYLISH HATS.

To be up-to-date in style 1t is
essential that hats be of velvet, black
preferred, or of variations of plush,
velours or beavers, but the black vel
vet is the queen of this seasons hats
Most of the hats that have brlm
are turned up at some angle to max:
smart appearance, some at the back
and others at the front. Ostrich
feather tufts and plumes are also tc
be seen to great extent this fall
Among the novelties in trim will be
the butterfly made up in large va
ricty of gorgeous colors of feathers
lace, tulle, velvet or in metallic bro
acaGe, which will prove one of the fad:
of this seasons wear.
! From every indication of what will
be this seasons styles a wide latl-
tudc is observed in the fall models
and where feathers are used for Trim
it will the angle that the feather is
placed which will make or mar the
hat for the wearer.
The most popular feather trim
mings are set high and will come in
large variety of coors, enough to
suit almost any taste. 1t has been
predicted that much ribbon trimming
would be used this fall but as yet rot
much has been seen, the feather
trim predominating.
Alexandria gazette. [volume] (Alexandria, D.C.) 1834-1974, 1913-09-30
WOODWARD &L0IHROP
10th 11th f. and G Streets
WASHINGTON, ID. e,
$500 Suits for Women

Taeur this displayed In SO many new
generally preference
lines beauty richness OF materials ana the
variety models the fullest showing at So9
strictly tailored effects much ike The
much in favor
serges, broadoh chec, WOOL pops fancy cloths aid
mems mixtures cev fancy cut sleeves ana e ne"
with the body the jacket
collars; long shawl ehc S"
vpes with wide nal velvet ors and others fastening %
10 the neck Dark shades decidedly prominent anu i
black brown navy Copenhagen mahogany, and tauIe
We invite special the display at S29o the '" 'cS
Far uncrior 70 ANYTHING previously shown at the PRICE
, hvir at this time wide of suits in sizes - " d.
Of black erges and designed expressly Tor the stout wo
man Thes. 90. priced at S2oOo
Alexandria gazette. [volume] (Alexandria, D.C.) 1834-1974, 1913-09-30
FOR SALE.
An Exceptionally WellConstructed nd Atsrac-
tive Residence

i've KeS1dsnce
We are authorized to sell that very desirable
story bav window brick residence, No. SOY Cameron
Street, rooms, pantry, closets, attractive bath,
large cellar, double porches furnace heat, sewer
connections, gas and other improvements. rms
is one of the best built homes in the city, souther
exposure, centrally located and in fine residential
section, lust one square north Of King street and
one hundred yards west of Christ Church rms n
isa very desirable home and price reasonable For
further particulars call to see ~ ~
MONROE & MARBURY.
3O7 King Street. Bell Phohe 444
Exclusive Selling Agents.
Alexandria gazette. [volume] (Alexandria, D.C.) 1834-1974, 1913-09-30
Roofs Burn From Houses.

A defective flue is believed to have
caused a fire that burned the roofs
from two small houses il the court
bounded by King, Prince, Henry and
Fayctte streets about O'Clock yes
terday Afternoon. The houses are
owned by Mrs. Sallie V Watkins md
were occupied by colored families.
The damage is covered by insurance.
Alexandria gazette. [volume] (Alexandria, D.C.) 1834-1974, 1913-09-30
l'RATERNAL VISIT.

Fifty members Of Sir Laumcelot
Lodge, Knights of Pythias. of Ball
ston. Alexandria county, Will pay a
viist to Oriental Lodge, No. &, of
this city. At the conclusion of the
lodge meeting in Pyth:an Hall, on
North Pitt street, banquet will he
served Among the speakers of the
evening will be Senator r. f. Thorn
ton. of Fairfax court house, Delegate
Robert Moncurc and +. r. Boyer,
i strict lecturer of the Knights Of Iy-
;h,as.
Alexandria gazette. [volume] (Alexandria, D.C.) 1834-1974, 1913-09-30

Fried Oysters at RammcFs Cafe.
Alexandria gazette. [volume] (Alexandria, D.C.) 1834-1974, 1913-09-30

The Right Rev. Robert A. Gibson
IN D. and his daughters, Misses
Lucy and Mary Gibson, have returned
TO their home on Park avenue, klcn-
mond. after spending the summer IN
Europe.
Alexandria gazette. [volume] (Alexandria, D.C.) 1834-1974, 1913-09-30
&
Cases

Pillowcases made. by one OF the
pest mills; iron-frame cloth.
Alexandria gazette. [volume] (Alexandria, D.C.) 1834-1974, 1913-09-30

Rev. john Lee Allison, d. D., pastor
of the Second Presbyterian Chufch'
went to Baltimore to marry TWO Oh
his old parishioners in that city.
Alexandria gazette. [volume] (Alexandria, D.C.) 1834-1974, 1913-09-30
'S0CIAL AND PERSONAL---VERY. 80 DAYS IN JAIL.
Interesting News Notes hbout Peopie
of Alexandria Happenings a.
Society.

| Master Charles West continues
sick at his home in north koyal
street. eG.tt
Alexandria gazette. [volume] (Alexandria, D.C.) 1834-1974, 1913-09-30

MRS 3. NJ. Jones has returned to
her home in Richmond, after a VISIT
TO her sister, Mrs. Virgil A PAYNE
in this city.