davidaulloa/AmericanStories huggingface dataset:
The weekly times-record. (Valley City, N.D.) 1912-1922, 1913-11-13
BUSINESS or FIRE INSURANCE IN
NORTH DAKOTA IN BAD CONDITION
State Commissioner Of Insurance Makes Per.
tinent Remarks Regarding Rate Making
And Rate Regulating.

teenth Legislative Assembly, and dur
| ing the pendency of that action it
would be inappropriate for me to dis
| cuss the matter. However it should be
remembered that the judgment of the
court will probably turn, not upon
the intrinsic merits of the act itself,
but upon its constitutionality. What
ever may be the outcome of this liti-
cation the significant fact will re-
main that the premium rates for fidel-
! ity and surety bonds were increased
several hundred per cent, as a direct
result Of which the state intervened
and said it would undertake to bond
counties, cities, towns, townships and
school districts against loss by default
of any officer.
am no. now and never have been
in favor Of rate making by the
state. So far as fire insurance rates
ARE concerned, believe the subject is
entirely too intricate and technical to
warrant the state in attempting to
formulate rate schedules. Nor has
that sort of innovation worked out
we'll in practice. But this does not
mean that the people of North Dako-
ia have no rights in the premises
They have. They have right to
know whether the rates which they
are compelled to pay for fire insur-
ance are fair and equitable or not. If
the business of insurance is of 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 Company of
Minneapolis, MINI. But property own
ers in this state do 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 classifications. The en-
tire matte, IS a closed book. The as
sured is supposed to pay the prem
ium, ask no questions and look pleas
ant. So in respect to the enormous
increase the rates charged for f.
delity and surety bonds-an increase
which seem to have been reached as
the result Of a friendly agreement be-
tween the companies writing this class
of business. This sort of thing must
be justified, or the companies may ex-
pect trouble.
II believe in fair play and the square
DEAL nor do share in the prejudice
which is too coIi,Ilonly entertained
towards big corporations just because
they are big. But we should have
light. Let the insurance companies
open their books and show cause.
The people demand this
The weekly times-record. (Valley City, N.D.) 1912-1922, 1913-11-13
Perfect Maid twenty
five Years; IS Given
Party BY Employer

New York, Nov. MARY, the maid
in the home of Mrs. D. E. Kraemer,
went about her usual duties today,
but With the new distinction of being
publicly recognized by her employer
as the perfect maid" Mary has been
in the employ Of Mrs. Kraemer for
twenty-five years and was honored
yesterday with party to which twen-
ty-fvB of Mrs. kramer's friends were
invited. When luncheon was served,
Mary occupied the place of honor and
Mrs. Kraemer was on her right. An.
other maid served Mary and the
guests.
Mary had presents showered upon
her, each guest handing her some Of
ferins as she received them in the
Kraemer home. The gifts included
silver toilet articles, silk stockings
and gloves, and Mr.. Kraemer present.
ed Mary with 81 for each year she had
been with the family.
Mrs. Kraemer and her husband
pratse the cooking and general work
of Mary highly. One Of the nghtest
and biggest rooms in the apartment is
occupied by the maid. She is shown
every consideration, and during the
winter is furnished with theatre tick
cts at least once a week. Mary has
heen careful in her savings, and Mr..
Kraemer has invested some of the
money for her.
The weekly times-record. (Valley City, N.D.) 1912-1922, 1913-11-13

Bismarck, n. d., Nov. That the
business Of insurance in North Dako-
Ia is drifting straight towards the
rocks and shoals of state regulation
Of rates, if not state rate:making it
self, was the opinion expressed by
Insurance Commissioner w. c. Tay-
lor today. "This fact may not be ap-
parent to the casual observer" said
Mr.. Taylor, NOR even to the insurance
companies, but the straws showing
which way the wind was blowing are
flying thick and fast, around the de-
partment of insurance, just the same.
Take the matter Of fire insurance
rates for example. A good deal of
re-rating has been done in this state
during the past year, and from inqnlr-
les, complaints and protests coming
to this office it would seem that in
each case the rates are being revised
upward. If such is the case, can that
sort of revision be justified?
During the year 1912 the average
loss ratio in this state was fraction
ever So per cent. In other words, for
every dollar paid the fire insurance
companies for premiums, So cents
were returned by them in payment
Of losses. That would leave AZ cents
sut Of each dollar for operating ex-
.penses and profit Statistics show
that the operating expenses of all fire
insurance companies doing business
in the United States during 1912 aver.
aged 1856 per cent, SO that on the
basis of last years business compan-
les operating in North Dakota earned
or saved 8.4 per cent over and above
ali expenses This saving was on the
underwriting end Of the business
alone, and does not take into account
the profits arising from the investment
Of capital and interest on surplus and
uAearned premium account.
Another considerations: The last
legislative assembly enacted law es-
tablishing a fire marshal department,
and this department has been in ac-
tive operation for several months. It
is reasonable to suppose that its ac-
tivities have tended to minimize both
the physical and moral hazard attend
ant upon the fire insurance business.
The cost Of maintaining this depart
nse1t-which is not inconsiderable ~
imposes no additional burden upon
the fire companies with the exception
Of domestic mutuals An increase Of
rates, in the face of this additional
neasure Of protection, would seem to
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 Thir-
The weekly times-record. (Valley City, N.D.) 1912-1922, 1913-11-13
School Boards Pur.
chasing Power Cur.
tailed by Law

Superintendent Witness, superinten.
dent of schools Of Burleigh county, is
sued the following warning to district
school boards of that county, which
we reprint for the benefit of the school
boards of Barnes county:
Reports have it that certain school
supply agents ale plying their trade
selling articles Of greater or less
value to school boards at prices much
above what they really should be. 10
protect school boards against such
agents the last session Of the legisla-
ture made law that school boards,
should not purchase such things as
maps, charts, encyclopedias and the
like until the county superintendent
of schools has given his approval.
Certain agents who find this obnox.
ious of course are very anxious to i'm.
press upon school boards that this
law was forced through by the coun.
ty superintendents for the purpose Of
giving them an opportunity for graft
that the law would not "hold water
If tested in court. "
No doubt such an opportunity for
graft is offered to the grating super.
by agents who thrive by
grating. But the county superinten.
dents Of North Dakota as a general
rule are men and women of high.
er ideals than that. The law intends
to prevent the sale Of articles exploit
ed by agents selling things that are
made for the sole purpose Of ITO sell''
and which have absolutely no educa.
tional value in the common school
room. It means saving of thousands
Of dollars to the taxpayers of the state.
It is well that the school boards
keep this in mind when smooth.
tongued agents come around.
The weekly times-record. (Valley City, N.D.) 1912-1922, 1913-11-13
MRS. IDA LOCKWOOD
ACQUITTED; HELD TO
HAVE BEEN INSANE

Minneapolis, MINI. Nov. S.-Mrs. Ida
lockwood was acquitted of numbering
her 9 year old daughter, by the dis
trict court jury last,,ntght, She was de-
clared to have been insane at the time
of the murder and at the time of her
confession to the authorities.
Mrs. lockwood was arrested Sept.
80, soon after the death of her daugh-
ter and subsequently confessed to the
crime, blaming her husbands cruelty
for the act.
The weekly times-record. (Valley City, N.D.) 1912-1922, 1913-11-13
li,va,do HI, Reef on Superior.

Calumet, Mich, Nov. II. - Captain
Duddleson of the steamer L. C. Waldo
of Detroit, which has broken in two
at Gull Rock, Manitou island, told a
graphic story of the wreck, upon ar
riying with his crew Of rs men and
two women on board the tug Hasard
at H0ught0n tonight.
The storm struck the Waldo at mid.
night Friday. Mountainous seas tore
The weekly times-record. (Valley City, N.D.) 1912-1922, 1913-11-13
Found An Old Army
Sword in Pasture

Golden Valley, N. D., Nov. 12.-Fred
Giestz found sword Of an officer in
his pasture in this county and near
the place were some human bones.
The sword was that worn in the war
time period by officers and is supposed
to have been carried by some one with
General Sully's army in the campaign
against the Indians. An effort will be
made to discover the name of the Of
ficer.
The weekly times-record. (Valley City, N.D.) 1912-1922, 1913-11-13
EXHIBITS TO CORN SHOW
MAY be SENT. PARCEL POST

People having exhibits of grain and
corn to send to the Corn Show and
who for any reason will be unable to
come to the show in time to enter
their exhibits may send such exhibits
by parcel post. This can be done at a
very low cost and should be taken ad'
vantage of by those who cannot at
tend.
The weekly times-record. (Valley City, N.D.) 1912-1922, 1913-11-13
COUNTY CORN SHOW.

November 20. II and 22 are dates Of
the County Corn Show On the 21st
of November the school officers of the
county will have their annual meeting
and probably all Of them will take in
the corn show also. On November "a.
IS and rs, the rural teachers are going
to have three days institute at the
Court House and great many teach
ers will no doubt arrive here on Sat
urday for the corn show and stay over
the educational meeting.
The weekly times-record. (Valley City, N.D.) 1912-1922, 1913-11-13
Death TOLL ON Great LAKES
LARGE; ) DEAD IN cleveland
Thrilling Story of Terrible Gale by Wrecked
Steamer Captain ---Number of Wrecks and
Many Lives l0St.
WALDO HITS REEF AND FOUNDERS IN LAKE


Detroit, Nov. 12.-The worst blizzard
of the season which ragged over the
Great Lakes for 4S hours began to
subside today and the waters wash
ing the eastern Michigan shore cast
ashore their dead.
No one, perhaps, will ever know
how many sailors lost their lives. Yes.
sci owners said it will take month
to definitely total the damage. Ship
ping on Lake Huron, Detroit and the
St. Claire river, suffered a loss of
several hundred thousand dollars.
Tonight, guarded by wrecking tugs,
black bottomed freighter which
tosses in Lake Huron, keel upwards,
is still unindentified. The belief it
was the steamer J. M. jerks of the
Hawgood line of Cleveland was dis
PEELED when William Livingstone,
president of the Lake Carriers asso-
citation announced the jerks safe in
harbor in the Georgian bay near Mid
land, Ontario.
Three bodies were found on the
west shore of Lake Huron, two near
Port Frank aud one above Point Ed
ward The latter was probably a
sailor.
Probably 25 to 40 persons were
drowned in the overturning of the
freighter. Five unidentified bodies
were washed ashore opposite the po-
sition Of the freighter.
Cleveland Dead Numbers Five. j
Cleveland, O., Nov H. = With fair
and warmer weather predicted for
tomorrow, Cleveland tonight is hope
full of a speedy cessation of the dn-
ficulties that have beset it since the
worst snow storm in its history des'
cended Sunday night.
A resumption Of the blizzard would
be fatal. as it would cut off relief from
the food scarcity which the city faces
AS result Of the disturbed con.
dition on Lake Erie, new menace
has developed. The drinking water
has turned brown and the health de.
partment has warned all to boil the
water to obviate a typhoid epidemic.
The. total dead was increased to
five when one was killed by roof
OF house collapsing under the weight
Of snow. Another was frozen to death.
Work of cleaning the city is pro
crossing rapidly. It is believed the
steamer G. J. Grammer, aground off
Lorain, can be saved. The property
damage to the city will be two mil
lion. The schools will probably be re-
opened tomorrow.
The weekly times-record. (Valley City, N.D.) 1912-1922, 1913-11-13
Six hunters Lost near Vancouver.

Vancouver, B. c., Nov 12.-Six
hunters aboard launch are believed
to have perished Sunday night in a
storm on the Gulf of Georgia. There
is no trace OF the craft. The party
intended returning Sunday night.
The weekly times-record. (Valley City, N.D.) 1912-1922, 1913-11-13

off the forward house, pilot house, and
all structures in the forward part of
the ship.
With the compasses lost, a small, in
accurate compass was the only guide.
The boat headed for a passage be-
tween Gull Rock and Keweenaw point
in binding blizzard.
After being tossed 18 hours, the boat
finally struck a reef, and the crew was
frequently in danger Of being washed
overheard until the arrival Of the
Hasard. 81,
Captain Duddleson believes that his
vessel is a total loss.
WhaIer Wrecked on Arctic Coast.
San Francisco, Nov. 12.-News of
the loss of the whaler Elivra on the
northern Alaska coast was received
from Circle, on the Yukon river. Cap
tain Peterson and crew of Is are
reported safe.
The message said the entire fleet
of vessels in the Arctic or along the
Alaskan coast is ice bound. 0.
Continued on page eight)
The evening world., 1913-05-05

SSeSvSe Nu0suOt
kind Of talk that 10 excessively costly
at times IL the sort that most Of 10
give utterancs to In moments Of temper.
At suoh times We tain high and we
pay highly for the privilege. The kind
of gossip that injusss regulations 10
not cheap talk. ~ the victims thereof
know only too we'll. 30 that the Talk
10 cheap" maxim has . sort OF list to
starboard.
But there isn't any doubt. all the
same, that most of Us talk too much.
There 10 10 much ordinary. unGraded.
useless talk In the world that talk as
surediy 10 . drug on the market OF
course the great trouble 10 that talking
with the greatest volubiiity most OF 10
ray % little.
A certain amount Of idle chatter pre-
sumAbly 10 necessary for all OF W. n
only to keep our vocal apparatus oiled
and In condition. But there are few
men In the world who could listen. with
federation, to an exact phonograhplc re-
production Of all OF their words ut
tered in the course Of . day. II We
were compelled to listen TO such an
unreeiing OF our inconseauent and often
foolish vaporings. We would And II hard
to credit the sxactnsss Of the record.
We would hnd Il dimcuk to believe
that We could. In the progress Of on,
short day. exude 20 much utterly trivia
talk. And one Photographic treatmen
OF that sort, could II be arranged. woul,
cure . good many Of US Of our needles
ioquacity.
! n every sss Of the world he ga
The evening world., 1913-05-05
One Wav Of Winnins.

M. Grey b finding 4aws y ths oosemnsne.
!: d s.:Ssss "a. .o.a:!iss S 8. ). s:s s:s:
Mrs. 0.-In bet that's Susie oibba
I'll bet that's Just who It 10.
Mr.. q. (briiiiantiy)-wsii. suppose you
70 and md out. CentrsrM tell her We
don't answer In . minute.
Mrs. q. tspitefully)-As II I care.
wouldn't give you two cents 70 talk to
her. anyway. ! never did trust that
woman. (Rising.) But I guess III IN.
swer II. may b abis to get In one or
two good knocks.
C....: .Gry so's v tn pAoss. NJ osss 10
Mrs. q. lover the wirs)-IIslio!
(pauss) Oh. IT'S YOU. Nurisi. darling.
On. Tn 20 glad. For . minute
thought Il was Susie Gibbs. and was
going to let her ring her blooming head
on. What DO YOU want. dsarief
(Pausa) d ~ ! think Il would b
grand. Wait . minute Till I ask George.
Mrs.. q. TO her spouss)-oh. George,
lisssn. Jim ana Nurisi ars thinking Of
getting up . weekend party to 80 Ia
| Atlantic City. The weather 10 90 beau.
tiful Just nov. They think about -four
couples. and they want 10 to 20.
Mr.. q. (sxercising his authority
Can't %. Can't possibly 70. couidn''
leave on Friday night In our bus,
season. whatrs you thinking Off
Mrs. U. (pleading)->Oh. George. lisseI
to me. II won't matter just ONE week
will ~ You work only half . day>os
Saturday. anyway. (Over the wire.
Yes. yes. dearie. Just . minute, just I
LITTLE minute. I'm speaking 4
George about L. Go Mr.. o. George
you're such . conscientious man. dear
and 90 steady and pioddins. But Jus
this once. be little sport and com
on. Youth have . lovely time.
The evening world., 1913-05-05
Domestic DiaIosues f. I*r$F=E1=x@J +

Ing all the pretty young girls run after
you. III were . Jealous woman GER
tainiy Wouldn't urge 700 to 90.
Mr.. q. (coldiy)-NSons Of that soft stun
now. Didn't you tell me . minute ago
was % steady and piodding and to bs
- little sport" Just for once? That
don't 20 with the other. You're skid
ding. Harriet. you're skid1ins. Pretty
young girls don't run afssr me any
more. except to ask me the Tina
Mrs.. q. Ompatisntly. over the wirs)-
Oh. Muriel. for goodness sake don't b
70 stinsy. never knew you b b close
before. tell you I'm doing Ill can to
hurry him up. (Pauss.) oh. YOU want
70 talk to him. dsarf CTo the meal
ticket.) George Nurisl wants to talk
to you.
Mr.. q. lover the wirs)-Heilo. Nurisl
What's the row?
Mra q. (softiy. at his elbow,-oh.
George. b nice 70 her. please.
M. a. to Nuriel)-oh! DO you really
think they're going TO be thersf you
dof Oh. we'll. that puts different front
on II. Sure! The Al. Friday after
noonf We can make Il easy. All night.
0oodby.
Mrs. q. (brsashiessly)-Oh osorssi
You sweet thing! WdAt made ysu say
yesf s'fl
Mr.. q. docking wiss)-Huh! You
WILL throw . whole lot Of dream stun
about squads chasing me. viii you
Well. SOME Of II may come true
Mrs. q. (hslplsssly)-Oh. George. whe
did she say'n b theref
Mr.. a. (smoothly)-Nsvsr mind. You'rS
going. Now. aren't you satisnsdf
Mp. q. I'm despair)-But what made
you change your mind 20 quickiyf WIT
did she say would b. there?
M. q. clearing his throat)-Now
little one, Just b giad you're going and
don't ask any more questions.
Mrs. q. (breakins)-why. 0eoree-
why (Burtts into tears.) osorE,
Gray. ! wouldn't 20 to Atlantic CIT,
now for q million doliara Wouldn't
iOh-(0obs.)
! Mr.. q. with sublime indi6erence)-
wen. Of course. it's up to you.
The evening world., 1913-05-05
Evening Song.
OOK on, dear love, across

7 ooK Of. dear ioy% seross the sal.
low sands.
And mark yon msstins Of the
sun and sea.
How long they kiss In sight Of oil the
lands.
Al! longer We!
Now In the seas red vintage melts the
sum-.
A. Esypt's pearl dissolved in rosy
wine.
And Cleopatra night drinks all. TVS
done.
Love. lay thine hand In mins.
Como forth. sweet starr. and comfort
heavens heart;
0iimmsr. ~ waves, round else un'
lighted sands;
O night! divorce our sun and sky apart
Never our tips, our hands.
sidney Laaies.
The evening world., 1913-05-05

~ ~. VIZ wv 1oSS Ev0ou9 W0S0D.
ru'ous man has been lightly rsgarded.
The regulations Of innumerabls wise
men have suffered on account Of their
incurabls tendency to excessive talk.
Contrary to the general opinion, Il II .
Characteristic OF wise and clever men
to talk too much. II only 20 exhibit
their Wit and wisdom. But. IN thus OF.
hibitins themselves. they also lose pres
tise.
For. It h . deep-seatsd trait OF aver
age folk 70 view with . certain conde-
scensaon. or to suspect, even the wisest
people who overindulse In conversation.
They very mua1 prefer the man VINO.
knowing very little. Keeps that little to
himself and walks through the world
With . dumb assumption Of wisdom
which would not be his n he lived In
the world for ten thousand years.
HAPPY the map who discovers for
himself Just the happy medium between
too much and too little talk! The words
OF such man carry . weight which
often 10 all out OF proportion to the -.
tusi value Of what he says. solely be-
cause he hasa reputation Of one VINO
measures his words"
His counsel = sought because he has
shown himself to be . master Of tacl-
turnity At times when tsciturnity OBJ
viously was his play. And an oocultly
mirthful meaning 10 fixsd upon his dry
3ssts. because. seeing that he does not
often Indulge In psrsifase. Il 10 taken
for granted that the things he says In
hts rare moments OF expansion mus
mean something humorovs--snd % hii
listeners laugh. even though Trey d
not understand!
The man who Deliberately and visibiy
weighs his words 10 liable 70 seem pomp
Gus to the critical eye But. In thu
main. eyes are not critical; and pom
posity very often 10 mistaken for dig
nifty.
A receipt that has been tried and fount
not bad 10 this: Save your sxubsran
email talk for your inner circle. whiol
10 composed Of people who care for 20,
and who are willing to indulge you
penchant for loquacity. But to the Gen
erI world gtvs sparinsty Of the SINAI
change Of conversation. that you ma
grow In estimation for . profundit
which you know how TO kssp to, YOU
: stsl
The evening world., 1913-05-05
A Learned Verdict.

# HE railfoad train was rsthss diniy III snd
ono Of the passenger after having tried u
vain 10 inspect his face In the washseoa
mirror. turned to Rsstus. The pressdins ssni,s
Of the Pullman car.
"Sss hsss. Rastus." be said. II want your Gcia.
ION In . nattsf a Importance Just come Mn
Ne over 10 the window. and, aftsr having casu.
fully inspsotsd my face. ten NJ whsthss % not you
think ] ned . shave" -.
Ths old darby coYplisd With HI request ssA
Immediately reudsrsd' judgment.
''waaa. sum-" be said. with hi had eocAsA v
one sids. I'm rspsct to Dc shave. aaA. Oh shsual
ssy nat II al Depends % what 10 intend Asenp
with 20 chin sub. ~ yo'rs ut gvins on q
ysss train 70 US 20 chin TO- talkn' 20 doar ~
10 shavin' u Ill. sub. but Il yo'rs swins s-coust
IN 10 bsst gri. sub. sh sortR think sh'd ssnlsss
some O. dem splintshs from d chin a. Il Asb
BIO de- dons scratch somebody. sub. "-uasUsrs
wsstdy.
The evening world., 1913-05-05
what ssDulssn~ Means.

what sDnlasn" Means.
- ~ uo19 q ~ usssAas Wss,1;
Low many niIlieas maass . Sii,seaf
4 bsaissa. iq AmsFasa, ID eas tseasaal
m11lisnA A stlroa. In England. = sas
u1lllsa uDilltsns.
4 vso4 Leasss's Wees.
- - uD1oV - ~ nRsntn0 Wss1A,
{ - tsy1nG. - usual. - 0u6ast my
- - - euause. - ~ 1suhG Ase
huD1gUoD - Sehsss. - Asss b . ~
~ "a aoDsa - I'll 80 pss0as asd
~ - 80 1soDes sens - Soek -
~ - ~ . 0ee11y psFesaeass 81
- 49, ! isasa. ars ''sAsopsA" n
etheg Wsg1A thsy have ~ rsal intsntiea
- eept1AG ~ ns4 - an. But thsy ssvs
- Goaaias ether vsspss's homes. -
4 tDagtinsnt eusstteas, anA the satsa "a
gAR Sge0islng selsnaiy = rsturu. thsy
49,. 1hs h Aisessrasias. aal tsa1i
= 0nlge 80 ~ courteous and pstisn'
No oonains aoesioaats. me 'sAspo9s
Z ~ ooo1r' uight not b . bed line Il
~ = oeoe = ths '-Ts Let. yurnishs1'
4 Advertisement. e. T.
~ ~ nssse TvaAs PssoJsa.
SouD Dn18 = ~ Duenns W~11,
{ = ~ sIGosue 1yaAs yrobian." vAss<
(, = - 3 hesuo WssoA - - , t. 81
~ paWeeoso \ 49, ~ - ~ -
The evening world., 1913-05-05

Mr. q. (grunting)-Lovsly time moth
ins. II there's one place more than
another that I particularly ioathe It's
Atlantic City. And you know Il. Nov,
why do you want to drsg me down
there against my wiiif
Mrs. q. (meckly)-Well. thought
maybe you'd do II fer me. George.
certainly need . little diversion. Ny
nerves are awful this winter. all shaky
and everything. lover the wire.) Jus,
second. pet, Tn finding Il . little
The evening world., 1913-05-05

hard 10 persuade George. (Pauss.) A
pay stationf Why didn't you 20 INTO
one Of those slot thinssf You can talk
till the cows come homo In one Of those
for . nickel. Ito Mr.. a. Now. George.
iissen. Muriel 10 At pay station whore
the girl don't like her and she says
this calril Be about eleven dollars II you
don't hurry up and decide. (Aeltingiy)
You're always 20 popular At place like
that ! don't see why YOU don't want
to 20. I'm the one 70 suffer rsaiix, See