davidaulloa/AmericanStories huggingface dataset:
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1913-08-31
INSURANCE MEN
WIN IN MISSOURI.

The development OF the FIRE insurance
Industry in the United States has resulted
from time to time in much legislation.
some OF which was welcomed BY insur-
ance companies as beneficial 10 all con-
cerned. but much of which has been
strongly opposed by the insurance com
panles az inimical TO both the public at
large and the insurance companies.
II has been the announced policy OF the
officers OF the great maJority OF insurance
companies to cooperate In the bringing
about OF new laws which might safe
guard policy holders in any way, but In
a number Of states laws have been en-
acted which threatened the very exist
ence OF the companies themselves.
Against such legislation insurance men
have strenuously protested, and they have
been strongly backed up b. public senu-
mont
The most recent case IL that OF the
MASSAGE Of the so-called Orr Law. In the
state Of Missouri. which insurance ON
cials commended. made II impossible for
companies organized outside OF that state
10 continue 10 transact business within
the state This Law was passed In May
last and resulted In the prompt with
drawal OF all Of The foreign companies
then doing business within the state. Inc
residents and property owners OF MIS-
sourf- thereupon took a hand In the con-
troyersy and protested against the en-
forcement OF the drastic legislation. The
companIes which withdrew were invited
70 a conference with the representatives,
81 Missouri, with the result that Attorney
General Barker held that the section ot
the Missouri law which provided that the
announcement Of identical rates py TWO
or more companies would be regarded az
,,,r,a facIe evidence OF the violation oil
the so-called antitrust law was uncon-
stitutional and void.
A conference was held In New fork' AT
which President II. Emory Warheld. Of
the Hanover Fire Insurance NorhpAhS'
pre,lded. and Charles l.. Shcidon' vice.
president OF the American tNe"arK'
Judge Thomas Bates, George W. Law
Scal Bassett, Thomas T.. Ganashcr' y IL
Barry. Edgar r. Goltra and william mare
participated. Following that conference
further conference Was held In chicago
-, August 4. at which an understanding
upon the part OF the Insurance companies
uas reached. and 1t was decided to re-
enter Missouri upon the written ASSURANCE
Of the Attorney General and the appIoNu'
Of Governor Major that no aggressive aS-
ton should be taken under the Ia" en-
acted by the Legislature
Az a result OF the controversy, II 10 eA-
n.c,.d that the distinctly hostile attitude
taken by legislators in Missouri during d
number OF years past will be materially
altered and that the insurance companies
url not he further hnmpered Ia inc
transaction OF legitimate business III 'hSt
state Insurance men believe also that
the reversal OF position upon the part OF
the Missouri officials will have saiu'ary
effect upon legislators IN other states
which. It is claimed, have shown q oispo-
s,,lon 10 ecessarily harass Insurance
companies.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1913-08-31
BIRTH OF FIRE INSURANCE
AND ITS DEVELOPMENT

In determining the year Of the birth or
fire insurance we are indebted 10 'he
first volume of Durham on The business
of Insurance" compiled and ed!teo DS
Howard p. Durham. published by the
Ronald Press Company. New York Clty'
ord our quotations are from the "liistori-
GA, sketch" written BY Henry w Eaton,
nres,dent Globe Indemnity Company OF
New York. and NJ. Levin He"es' Presi-
dent Standard Fire Insurance Company
Of Hartford, as chapter TO THIS puoi'e"-
ton.
"yve must seek for the birth OF nre IN
surance I'm London. 1t was UNDOUBTEDLY
brought into being by the lessons OF inc
Great fire of 1866. This fire began early
In the morning September p ana CON
tinued five days. The area burned over
was 49s acres and 1920 houses were
totally destroyed. The IRE was Ultimate
" STAYED by the blowing up of NUMBER
~ houses in its line Of march.
1--WE appear. then, TO be justified IN me
conclusion that, until after the great mr.
of London, fire insurance, as known 10
nc had no existence. There is certainly
90 record whatever OF any transactions
In insurance prior to that time. but IL ~
.,at.d without support. however, that
The Lombards and the Dutch had some
organized protection of that KIND
.Tt was not until 1850, or fourteen years
after the fire. that the promoters OF III .
company pushed an application win such
rosolution as to be attended with success.
-rh,o t,p,e--we must assume under some
have been made to the city OF bonooh.
I'm that year there was estaDisheo q
company known as The Fire once US
nrornoters were Samuel Vincent ~
Nicholas Barbon. John Parsons feiA Al
vert and others; but we are not ihiori'7u
under what authority the orsahi%a''oi'
vas effected The rates for insur
uere much higher than those proposeu ~
Messrs. Ryley and Msbb forty-t"o years
o.,,,er beine Cd. per IL rental Tor prich
to,sos and is per Il rental for frame
houses. ..,ho-
III may be we'll to devote some rur'hoi
time into an examination into inc ana
of this date to show that the hrse iue"
OF the people. as evidenced by inc No'IV
~ the CONSERVATIVES in the CITY Couhcii'
was favorable to insurance by the mum
cipality. In 1851, by resolution OF the
Common Council Of the City OF LONDON
# was determined that the corporation
should receive proposals for insurance
of houseg in case Of FIRE The annual
fates were Is Cd per Zoo and double for
timber houses. the terms being . per
cent lower than those OF The Fire once.
The last named at once came out WIN
a circular Offering 20 reduce their rates,
being resolved rather to run the hazaru
OF losing than that the city should maNe
advantage % their invention anu 'o
we have at once competition The eN-
pertinent OF the city came to IA suddei
and unsatisfactory ending. In year
and a month after beginning operations
IL was resolved TO abandon the desisn'
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1913-08-31

"As noteworthy feature II rs A tact
that fewer FIRE insurance companies were
broken through the tremendous ioss sus-
,.irsd nv the San Francisco disaster OF
s25o 0OO. 900 than by the Chicago GONNA
grafton involving Sl6S,0Oo'oOo. or even os
the New York confagratlon OF 1891 IN
voIying only $4,000. OOO-onerins e''-
dence as il does not only that the inter-
ests Of the insurance companies were PROD
ab,v under more scientific control, ana
that they had evidently more than kept
pace with the enormously increasing re-
sronsibilities but likewise demonstrating
that in all probability they will be able IN
tho future TO meet any strain that they
may be submitted TO.
.If this condition were an assured fact
rather than a fairly assumed conclusion
then nre insurance will have reached the
ideal-namely absolute protection against
loss by fire.
"Jn the history OF the business OF insnr-
ance student must firmly fix into his
head that In the first epoch any person
,as allowed 70 insure any hazard al any
rate Insurance was usually undertaken
during this period by an individual uh-
dorwr,ter or a body Of underwriters to
nro,.ct some enterprise in which thsy
we're personally interested. usually a ma
rine risk.
Most Of these contracts we're by pafol
cr,dusIIy the business spread, and other
assurances were invented. HAperiehce
showed the importance OF having May
contingencies that were lXeiy 10 arse
definitely provided for. and hence the
evolution Of the insurance policy
Then came the establishment OF inc
insurance policy.
"Then came the establishment OF mo
,.,o,acr companies followed by an age CT
costly experiment 49,
"Froch No. 2 followed the great Wv
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1913-08-31

York fire OF 1885. which swept out Of ex-
istence most of the New York companies.
This fire closes the pioneer period Of
American fire insurance.
After this great conhagration steps
were taken by the states to make the
companies more secure.
Massachusetts was the first state 10
require the maintenance OF fund to
insure fire contracts. This was the be-
ginning OF what is known az the I'M
earned premium fund.
Then followed a policy and rate war
between the companies which proved
finally TO be so costly for the insured.
the companies vieing With each other IN
the lberality OF their contracts and
premiums.
In 1856, the companies realizing the
havoc this war was causing got together
and formed the National Board OF Fire
Underwriters, which co-operated the In
terests of the several companies.
Through this board was brought what
is known az the standard policy. Through
this board has also been established what
is known as the Underwriters 1abora-
tories of Chicago. whose work Is along
the line of fire protection, engineering
and testing of devices and materials hav-
ing a bearing on fire hazard.
Record OF Fire Losses for Last Thirty
five Years.
The FIRE losses in this country and Can
ada during the last thirty-fve years az
gregate S5.iG, $40, AS, or an annual average
OF sliS0SS44O. From the following table.
giving the losses by years during the last
thirty-ive years. II will be seen that there
has been a steady Increase in the coun-
try's fire waste. and that. notwithstand-
ing all the factors for the reduction or
prevention Of fire losses that have lately
come into existence. the losses continue
abnormally heavy:
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1913-08-31

Total for thir,y-hvs ysars........S,in.'''.i "
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28
KIND CAPTAIN KIDD.
His Wiekedness and Buried Treasure
Both Said to Be Myths

Doomed to an infamy undeserved.
bis name Redeemed with crimes he
never committed and made wildly TO
mantle by tales of treasure which he
did not bury, Captain William Kidd is
fairly entitled to the sympathy Of pos
terity and the apologies Of all the bal
lad makers and alleged historians who
have obscured the facts in a cloud OF
fable
Fate has played the strangest tricks
with the memory of this seventeenth
century seafarer, who never cut a
throat nor made a victim walk the
plank, who was no more than an anna
teur pirate in an era when this inter
esting profession was in its heyday
and who was hanged at Execution dock
for the excessively unromantic crime
Of cracking the skull Of his gunner
with a wooden bucket because, for
sooth. his majescy's officers were IN
able 70 prove their charges Of piracy.
As for the riches of Captain Kidd,
the original documents in his case. pre-
ssrved among tie state papers Of the
public record Office in London, relate
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28
oUTWlTTED THE 0RIENTALs.
An Experience With the Customs
Officials at Kermanshah.

Officials at kermanshah.
In eastern lands the collecting of
customs dues is attended with per-
haps more than ordinary fraud. In
his book. From Batum to Baghdad,"
Mr.. W. B. Harris has told his expert
ence with the customs officers Of Ker-
manshah. The incident had its COM
ical feature as well as its serious les
son:
Two hours later than l had intended
we made a start and. proceeding through
the long tunnel-like baZaars, emerged
from the town. Here fate had annoy
ance in store for me. At the local Gus
tom house the guards wanted 10 search
US and make Us pay duty on our scanty
baggage.
had hired a mule to carry our sad
dlebags as far as Baghdad. using the
owner Of the mule. a willy old Arab
who accompanied US, as a guide. These
two, mule and man, the guards abso-
lutely refused to let pass without my
bestowing a perfectly illegal and illog-
ical baksheesh. This stoutly refused
to do, and. knowing that IN the east
show of temper is of no avail. swal-
lowed my wrath and argued coolly and
collectedly with the soldiers.
Soon they confessed that they had
no right to touch either me or any
animal Of mine, but they maintained
that the mule and the rider were both
Arabs and that therefore 1 could not
interfere.
This was just what wanted. and l
solved the matter in a minute. 1 put
the Arab on my horse and rode his
mule. There was no question about ii
then. The guards on their own con-
fession could stop neither me nor my
horse, and we rode quietly on amid
the laughter of the men to change
our mounts again fifty yards past the
custom house.
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28
WEATHER CONDITIONS.

The southwestern low which re
mains over northern New Mexico, and
The southeastern storm which has NOV
ed to Maine, have caused precipita-
ton during the past "A hours in about
all portions of the observation field.
except western Canada and the north
western border of the United States.
High Pressures now prevail on the
Pacific coast and from the northern
Rocky mountain states 20 the upper
lakes, and generally fai, wealth. is
noted from British COUNT a, Washing
ton, Oregon and California eastward
to the upper Mississippi valley sad
the northwestern portion Of the lake
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28
FORECAST FOR ROCK ISLAND


region. a further fall in temperature
has occurred il the Mississippi va
ley and it Is much colder in the Ohio
valley, with zero weather extending
10 southwestern Iowa Lower pres
sure and rising temperatures are re-
ported from the Canadian northwest.
On account Of the eastward movement
Of the high and the approach Of the
southwestern low, fair weather IS in
dictated for this vicinity tonight and
Saturday, with warmer Saturday.
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28
GARBLED QUOTATIONS.
Popular Passages That Are Frequently
Rendered Incorrectly.


Rendered Incorrectly.
Almost everybody who quotes at all
miSquotes. Nothing is more common
than 10 hear:
A man convinced against his will
Is Of the same opinion still.
This is an impossible condition of
mind. for no one can be convinced of
one opinion and at the same time hold
10 an opposite one What Butler wrote
was eninently sensible:
He that complies against his will
Is OF his own opinion still.
A famous passage of Scripture is Of
ten misQuoted thus: He that is with
out sin among you let him cast the
first stone" II should be. Let him
first cast "A stone"
Sometimes we are told. Behold. how
great fire a little matter kindleth."
whereas st. james said. Behold. how
great a matter a little fire kindleth, -
which is quite different thing.
We also hear that "a miss is as good
as a mile" which is not as sensible
or forciblc as the true proverb, "A
miss Of an inch is as good as a mile"
Look before you leap" should be
And look before you ere you leap"
Pope is generally credited with hav-
ing written:
lmmodest words admit of no defense,
For want Of decenCy is want Of sense,
though it would puzzle any one to find
the verses in his writings. They We're
written by the Earl of RoscOmmon,
who died before Pope was born.
Franklin said. Honesty is the best
policy" but the maxim is of Spanish
origin and may be found in Don
Quixote. '-PearSons Weekly.
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28
In .7e Wrong Church.

a Cleveland man recently told this
story Of the Rev. Stephen II. Tying. ia
nous New York divine OF i generation
ago:
4 wealthy man came to him and
said he wanted to rent one Of tho most
expensive pews in the church Put. q"
he added. RI only take il ON nnp ,.---..
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28

An aged coiored man was passing a
fish store when he stopped to examine
a huge turtle chained in the doorway
as an advertisement
He had never seen n turtle before.
and he prOdded the strange creature
curiously. Suddenly he popped his fin
ger into his mouth with a howl Of
pain. After the finger had stopped
bleeding he gazed at it ruefully. then
eyed the turtle apprehensively.
whats the matter. Rastus?" asked
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28

with much detail what booty he had
and what he did with it. Alas. they
reveal the futurity of the searches aft
er the stout sea chest buried above
high water mark The only authen-
tic Kidd treasure was dug up and in
ventoried more than 200 years ago. nor
has the slightest clew to any other
been found since then.-"Romances Of
Buried Treasure" in Metropolitan Mag
aZipe.
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28
The Artistic Temperament.

\ famous singer WAS undergoing the
ministration Of the ships barber.
Il 'Opes. said the barber. that We
shall ave the pleasure Of 'earin' you
al the concert tonight.
NO. explained the famous singer.
I've had long and ezhau>ting sea
son In AmeTie-a and within few DAYS
am to open in London. | uaye decd
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28
For Loss of Hair
We will pay for what you use n
RexaII "o3'' Hair Tonic does not
promote the growth of your hair.

In all our experience with hair
tonicS the one that has done most to
gain our confidence is ReIall "93"
Hair Tonic. We have such we'll
founded faith in il that We want
you TO try it at our risk. II 1t does
not satisfy you in every particular,
we will pay for what you use to the
extent Of 80 day treatment.
II Rexau "e3" Hair Tonic does
not remove dandrItf, relieve scalp
irritation, stop the hair from falling
and promote . new growth Of hair.
come back TO Us and ask US TO return
the money you paid for 1t, and we will
promptly hand II back to you. You
don't sign anything. promise any
thing. bring anything back, or il any
way obhgate yourself. Isn't that fair1
Doesn' il stand to reason that We
would not make such . liberal offer
If we did not truly believe that
Rexall "93' Hair Tonic will do all
we claim for it-that it will do all
and more than any other remedy!
We haze everything there is de-
mand for, and are able 10 judge the
merits Of the things we sell. Gus
toners tell Us OF their success. There
are more satisfied users Of ReILl
'93" Hair Tonic than any similar
preparation We sell.
Start g treatment Of ReIail "93"
Hair Tonic today. II you do, We
believe you will thank Us for this
advice. Two size bottles, SOC and 81.
You can buy RexaIl "e3" Hair Toni
in this community only At our store:
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28
LOCAL MARKET CONDITIONS.


Feb. Following are the whole
sale quotations on the locaI market
today:
Creamery butter, 35c.
Dairy butter, zoe.
Lard. 121ac per pound.
Fresh eggs, PIC.
Storage eggs. l5c TO 16c.
Potatoes, soc to 60c.
Cabbage. /" ~er pound.
Onions, lc per pound.
Feed and Fuel.
Timothy hay, SIS to $50.
Oats. &c tC Csc.
Corn, 45c 10 47c.
Coal-Lump. per ton. So. Is; slack.
steady.
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28

Olga. Swedish maid OF all work. had
curiously defined ideas regarding prop
erty rights. although she had no in.
tention Of being at all dishonest. On
one occasion VIXEN il was OlCa's after
noon out her mistress said to her
when she WAS about to depart from
the house.
Olga. cant find those handsome
silk stockings Of mine. Have you seen
them?"
Yes, ma'nm. have them on.
know you stay home today and do not
need them. You can have pair Of
mine TO wear yooSt around home If
you hat Minneapolis Journal.
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28

GIiou-you mustn't expect me to do
any church work"
The eminent rector smiled. ny
friend" he replied. you have come 10
the wrong church. You bcI.u. four
blocks down the street, in the church
Of the Heavenly Rest" - Cleveland
Leader.
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28
OBSERVATIONS.

ed not TO do anything on this voyage"
It's the same way with me" said
the barber Understandings. When
I'm hashore never looks at a razor"
Success Magazine.
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28

Wigg-Your friend the actor seems
rather eccentric. Wagg He's the per
sonifcation Of ecrentricity Why, that
man actually admits there are other
actors just rs good as he is.-Phila-
delphia Record,
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28
CHICAGO MARKETS.
rattIe l.OO0. strong. nnchanged

Cattle 1000. strong. unchanged
Hogs 10000, strong. Light s.5O6
$50, mixed 825G s.55, heavy SIOn
$50. bulk S.4OnS.55.
Sheep 5000; firm, 5.25@6.S5.
With only $1,000 hogs at II markets.
against 10000 a year ago. prices
sharply advanced Stale hogs mostly
held for further rise Light receipts
OF cattle favored the selling side Small
stockers, however, showed a slight de
cline in sheephouse. price strong.
Heavy lambs especially got better &C
don
May wheat opened $685. 1884,;
closed g2at 0g27,.
Corn opened a"l4 a 5%1s a Obs clos
ed j&2s
Oats opened 54ts0@I4 closed a4la
6D&f9S
Pork 2u32
Lard loS2.
Ribs 1913.
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28

II troubled with indigestion, consti-
patton, no appetite or feel bilious, give
Cbamberlain's Stomach and Liver tab
lets trial and you will be pleased
with the result. These tablets invig-
crate the stomach and liver and
strengthen the digestion. Sold by all
druggists (Adv)
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28

the fish dealer. with n grin
Muffin. sab: muffin An was lest
wonderin' whether All bad been bit OF
stung. "-Lippincott's.
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28
THOMAS DRUG co.
Rock Island The Rsxals gtors

There = RsEaIi Sore IN nearly every town
E1d CITY 10 the Jn-Ie1 states. Canada and
Great Britain. T-ere Is a diEerel; RnKA4
ReGsdg :or u---iy ever ordinary human III
each especially Ces.--st for the particular II
for WHICH II y recommended.
The Rexall Stores are Americas GrsAtsss
Drug Stores
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28
TOday'S Market Quotations

u. 5. Steel common .......... SOS
L. S. Steel preferred .........10711
Rock Island Argus. (Rock Island, Ill.) 1893-1920, 1913-02-28

j. N. SHERIER, Local Forecaster.
Der Nordstern. [volume] (St. Cloud, Minn.) 1874-1931, 1913-06-26

mer beib1ftigen iib Die @eoanfen nit
benz, mas man ielbit barauf geiagt
bat ober geiagt bditte, uno mas man
ieonfals bel Der ndditen- @elegenbeit
an5ubringen nibt peridumen min. Sc
naber 5pei Meniben 31por chamber
|geitanben, beito unbefrieoigter iinb lie,
nem ettpasD erartiges 5tpiide1 iie GEE
tretet1 lit. So, l1nfrieoe per5ebrt, ddl1-
|berlid unb innerIid, an 2eib, Seele
u,o @eiit. Garum befleibige bid Ser
Brie6fertigfeit, oas beiBt:: menoe, 10
piel an Sir lit ale Maittel an, Inn cine
|storung oes 8rieoens 5tpiiden Sir II.
arberen gar nibt auffommen 5u lai<
fen. @ib beinerieits feinen MnlaB gu
1riebenslt6rungen. @s fin6 Der
Qnel1en leiber 5u biele, aus benen
ser l1nfrieoe entipringt, uno cine Ser
bitteriten unter 6ieien auelen lit
Meib un6 MiBgunit. 8ie mander
bitterbDie 5treit lit f9on 6aourd ent,
itanoen, 6aB einem Elm Gut, cine
Jrell6e, cine 8ebor3ugung 3ufieI, nel-
DIE 6ie anoeren linn ntdt gonnen
modten! Sen Ma@iten lieben, beiBt
unter anoerem and:: nSS6m alles Cute
BON @er3en mlnf6en nn6 %gonnet."
@iiniden, pen1 CT eS nt6t bat, gon=
men, pe1tn er es fat. @as lit leidter.
Sd CLAUDE fat, ibn1 6as Cute, bas
er bat, g0nnen, namentlid tpent man
es ielbft al1h gerne baben modte,
aber nidt bat. 1enn in 1ebterem Safe
lit er nns boraus, un6 6as ertragt
6as Meni6enber5 nie 10 gang lei6t.
$50 aber bie redte 2iebe gum @did-
1ten 1T, 6a fam man ibm amd gon=
men, tpas er porals bat, % bleibt
Mei6 uno MiBgunit ferne, Ga lit cine
@a11ptquele 6es l1nfrieoens Der.
ftopft." - Mber NIT ser Sr~iebferttg=
felt un6 an@ 1l1r nit 6em guten SSH
len our 6riebfertigfeit ift es ein eigen
Ding. 8ir ielbit modten ia mobl
nit unieren Mttmeni6en i'm Srie6en
Ieben 1tnb itelIen ale mogliden Mn=
iprii6e an lire 5rie6fertigfeit, Mn=
Iprii6e, bie mir ielbft Ben anoeren ge=
geniiber ntdt erfillen. lnb fommt
es 5u nnfrie6en nn6 MiBbeaigfeiten,
Damn lin6 mir sic @efrdnften, un6 oft
miro es nns blntiauer, als 6ie @r=
iten sic &onb gum Grteoen gu bic
ten.