davidaulloa/AmericanStories huggingface dataset:
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02
Representative Towner Sounds Dan
ger Note in Speech in
House.
IT WOULD ENDURE MUCH
Iowan Holds Nothing Less Than In
suit to Flag Would Warrant
War.

Washington, D. c., Feb. 27.-Rep-
resentative Towner, in a speech in
the house yesterday afternoon,
sounded a note of danger to this
country lest the desire to reach out
after trade and prosperity draw il
into the European struggle.
"Our great desire for trade arc
prosperity" said Judge Towner, "is
probably our greatest danger Of be-
coming involved in the struggle
He took the view it was better
not to press our demands on the
European countries and especially
Germany and England, too far and
that it was better to endure much
than to go to war. Nothing less
than insult to the dignity and hon
or of the country, he said, would JUS
tify war.
Judge Towner's speech was one OF
a number made yesterday which
clearly reflected the serious feeling
that this country is in peril OF be-
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02
Berlin CLAIMS
CAPTURE OF many
RUSSIAN GENERALS
Commander of Twentieth Army
Corps Among Prisoners in
Prussia.

Berlin, (via Amsterdam and Lon
dom, Feb. 27.-At the war Office
yesterday the following statement
was issued:
''The following Russian generals
were captured in the battle of the
Mazurian lakes:
1.-THE commanding general of the
Twentieth army corps, also the conf
mander of artillery, and the con-
manders of the Twenty-eighth and
Twenty-ninth divisions of infantry,
also the commander of the First bril-
gade of infantry. The comman Ter
Of the Twenty-ninth died.
From the Third army corps were
captured the commander of the
Twenty-seventh division Of infantry,
also the commanders of artillery
and of the Second brigade of infan-
try.
From the Fifty-third reserve d.
vision those captured include the
commander and also the commander
of the First brigade of infantry.
From the first Siberian division
of Cossacks we captured one brigade
commander"
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02
AN iowa BRAKE
man IS KILLED
Thomas w. Gardner of Mason City
Meets Death in Minnesota.

Mason City, Feb. 27.-The body
of Thomas w. Gardner, Northwes-
tern brakeman who was killed at
Blue Earth, Mimi, Wednesday
night, was brought here last night
for burial. How Gardner met with
the accident which caused his death
is unknown, as he was seen about
Ais o'clock Wednesday afternoon
standing near the brake beam OF a
car in the yards near the coal shn.es
at Blue Earth. He was picked UP
unconscious a few minutes later be-
tween the passing track and tre
main line a short distance from the
shutes.
1t is supposed the man fell from
the car on his head, as his skull
was fractured. He died at the hes
pital five hours later. Gardner, was
prominent in railroad mems organi-
cations in this city and was one Of
the leaders in this work. He was
unmarried.
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02
SEES WAR PERIL IN OUR e.
FORTS TO BROADEN TRADE

ing drawn into trouble. In the SEN
ate, in the discussion of the naval
bill, democrats and republicans alike
indicated the feeling.
Judge Towner first discussed the
export of American products since
the war opened. He went into this
at length. He showed that Ameri-
can food products had been export
ed heavily to Europe and that cot
ton had been hampered because war
interfered with manufacturing.
He then discussed the apprehen-
sion that in reaching out for trade
and business under the present con-
ditions this country become tangled
up in the European struggle.
He declared the war insurance
bill had led to the loss of the Eve
Ign and Carib and should the ship
purchase bill pass it would almost
surely lead to warlike complications.
"Our chief danger lies in insist
ing that American products be car
ried into the danger zone," saic
Judge Towner. 80 far, the atti-
tude of the administration had been
admirable in protesting against the
retaliatory orders of Great Britain
and Germany, but extreme care
must be exercised not to press our
demands too far
He pointed out that losses occa-
stoned by violation of international
law would be made good by the Of
Tending nation and in any event this
country could afford to suffer al
most any such loss rather than ell.
ter into war
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02
Italian Killed in Riot.

Genoa (via Romeo, Feb. 27.-One
person was killed and many wound
ed during riots at Ventimiglia.
which resulted from demonstration
in favor of the maintenance of neu-
trality by Italy.
A counter demonstration by per-
sons desiring the intervention of It.
ally in the war led to a serious fight.
Police and carbineers interfered
but were unable to restore order COR
some time. During the fighting sew
eral of the police and major of
the carbineers were injured.
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02
Becker is Denied New Trial.

New York, Feb. 27.-Charles
Becker's application for new trial
on the indictment charging him with
the murder of Herman Rosenthai
was denied yesterday by the supreme
court. In denying Becker third
trial, Justice Weeks limited himself
to two words, motion denied"
which he wrote across the face Of
the application.
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02
Seven SHIPS ARE SAID TO L
Be LYING AT THE FALK[ANDS

"Ten big armored vessels on Feb.
25 again bombarded 2 the Turkish
forts at the Dardenelles for period
of seven and one-half hours. At the
conclusion of this operation they re-
tired in the direction of the island
of Tenedos.
"One ship of the Agamemnon, type
and two other armored vessels were
damaged by the fire from the forts
on the Asiatic side of the straits"
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02

ium-paying period, shall we call
these extra annual returns on paid
up insurance "overcharges" when in
the case of a paid-up non-participat-
ing policy there is no such return
whatever? A non-participating
policy is fine-but an annual-divi-
dend policy costs less and is worth
more.
Burton H. Saxton, General Agent,
Mutual Life.-Adv. d.
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02
STEAMER IN DISTRESS OFF THE At
LANTC COAST; HAS many PASSENGERS

miles from Halifax and is rushing
to the assistance of the Mon olian
A message to Bowring & Co.,
agents for the Stephano, from J. X.
Bennett, acting premier of New
foundland, said that the MongoIiau
had 200 passengers aboard 1t Was
on the premier's request that the
Stephano was instructed to go to the
Mongolian's assistance. q Mr.. Ben
nett's message read as follows:
Recent request that Stephano be
sent to assist the Monaghan. Leak
ing badly and heading in for Hall
fax. Consider action most urgent.
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02
AMERICAN LOST
With THE CAR|B
Florida Man Killed on Mined Amer
lean Steamer.

Washington, D. c., Feb. 27.-Oue
American, William Bazzell of Pen
sacola, Fla, an assistant engineer
on the American steamer Carib, was
killed when the ship was sunk ly
a mine in the North sea on Feb. %.
The American consul general at
Rotterdam reported his death yester-
day with that of two Spaniards,
members of the crew.
He added that the survivors were
taken to Bremerhaven on a German
patrol boat and will be sent hone
on the first ship.
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02
Vessel Monaghan, Leaking Badly,
Sends Out Calls for Help.

New York, Feb. 27.-The steam
er Monaghan of the Allen line,
bound from Philadelphia for Glas-
gov, Scotland, is in distress 40 miles
off Cape Race. according to a mess
age received here yesterday by Bow
ring & Co., steamship agents. The
Monaghan was said to be calling for
help and leaking badly. The Red
Cross liner Stephano is about 416
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02
Many WOMEN ClAM0R TO HEAR
BILLY" sundays PLAIN TALK

ing yesterday afternoon when the
huge tabernacle was emptied and a
part of the multitude waiting ont
side were admitted.
Many of the women who had
heard Sunday refused TO bulge from
their seats, desiring to hear the SER
mon repeated. They were finally
elected by special policemen WHO
were elected themselves before Sun
day began his plain Talk"
Two hundred and thirty of the
women professed themselves con-
verted. Last night GIG women chit
the trail"
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02
CHILDREN Will
WORK IN FIELDS
Minister of Education Authorizes
Closing of Schools When
Necessary.

London, Feb. 27.-Vienna dis
patches forwarded from Venice to
Reuters Telegram company state
that the Austrian minister of edu-
cation has authorized the employ
ment of school children in the fields
where labor is scarce, closing schools
If necessary.
It is also said that all Of the
schools will be closed for the sum-
mer holidays at the end of May, a
month earlier than usual.
According to an official report
132,392 families in Vienna are re-
ceiving assistance from the state.
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02
Thirty Thousand Attend Days Meet
ings and 456 Hit the Trail.

Philadelphia, Pa, Feb. 27.--Thir-
ty thousand women gasped yester-
day when Billy Sunday dispended
"some plain unvarnished truths" to
them at the first meetings for WOLF
en- only held by the evangelist in
this city.
There probably never was such an
excited scene at a revival meeting
as that at the end of the first meet
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02
Life Insurance Dividends.
Fort Dodge, February 25th, 10

Fort Dodge, February 25th, 1915,
TO The Editor: My attention has
just been called to the article emit
tied AN Explanation" in your is
sue of February 18th, written by Mr..
Walter Terrell of the Central Life.
In order to conform with his strict
ideas as to exact terms employed,
Mr.. Terrell should have revised his
title to read "An Attempted Explain
ation," for, in truth, an explanation
that fails to explain can hardly be
called more than an attempt. His
statements in themselves do not de-
serve to be dignified by a reply, for
they are illogical, ill-natured and
so, or through ignorance of the fun
damentals of life insurance l do not
know: in either case a wrong i'm
preston is created, and | desire to
state few facts which should be
of interest to policyholders of any
old line company.
The man who tries in any degree
to discredit legal reserve Gold linel
life insurance is unwise, because he
is unjust. There should be no quar-
rel between mutual and stock COLI
Germs, for they are both built upon
the same general foundation; the
former is owned and controlled by
the policyholders, and the latter by
the stockholders. l have the honor
to represent one Of the Oldest mu-
tual companies in this country, but
I have nothing but good words for
we'll established stock companies, for
they are abundantly able to carry
out their contracts to the fullest ex-
tent. The point of the discussion is
the factor of dividends, and upol
this point / take sharp issue with
he writer of the Explanation"
What he directly charges is. that
here is no such thing in life insur-
ance as a dividend, but that the so
called dividends are simply the re-
urn of an Overcharge. Granted, for
sake of argument. The policyholder
s more interested, however, in the
contents than in the label; this re-
urn of the "overcharge' makes the
let cost of his protection just so
much lower, fact of decided i'm
oortance to him. Let us see, briefly,
low this is done.
Dividends come, mainly, from
.hree sources. The premiums are
,ased upon the assumption that the
leath rate will be all the mortality
able indicates: but careful selection
# risks results in lower death |
ate, hence the mortality savings"
n fixing the premiums the company
.lso assumes that the reserves will
arm a stated rate of interest (usU-
lily 3 or 3h per cent?: the actual
arnings are higher than this, hence
he excess interest,"" the premiums
must also include fixed charge for
management expenses, called the
expense loading" conservative
md economical administration
ponds less than the margin provid-
d, hence the expense savings" 1t
hould be noted that the non-partiC-
pating company has exactly the
ame source of mortality savings and
xcess interest earnings as the par
company, the difference
ying in the fact that these cover
harges," instead of being returned
o policyholders as in a mutual COM
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02
HORSES FALL IS
FATAL TO WOMAN
Horse Stumbles on Clinton Bride
. Throwing Occupant Onto Track.

Clinton, Ia, Feb. 27.-The stumb-
rag of a horse on the Clinton high
co dye caused a runaway which re-
reoui,d in Mrs. Albert Sells, aged SO.
r,o,,s adar Creek, Ills, being throTn
he railroad tracks at the Iowa
the bridge. Her neck was
nounce Her husband was thrown
was uninjured.
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02

pany, are put into the surplus which
is owned and controlled by the
stockholders, and from which they
draw their dividends Cor has Mr..
Terrell some other term for profits
to stockholders? The difference
between the gross premiums charg-
ed by the participating and the non
participating companies exists al
most wholly in the provision for ex-
penses; the latter is purposely fixed
very low, and, 1 think, always
proves too low for their actual Cor
fancied) needs. Hence there can be
no expense savings" in the non
participating companies to contri-
butte to surplus; it is least import
ant however, of the three sources.
The participating company fixes its
premiums high enough to be abso-
lutely safe, and returns the earnings
and savings upon an equitable basis,
thus giving the policyholder his in
surance at the real net cost. Tie
non-participating company fixes it's
premiums somewhat lower, but also
high enough to be safe, and does not
return the earnings and savings to
the policyholder.
That there are such profits" in
the business of n-participating
companies is fact that will not ad-
nit of contradiction. One of the
largest stock companies in existence
(now, by the way, being mutualiz-
ed, the Prudential, has for years
had paid-up capital of $4,000, 1000;
only $4,000 of this amount ever
came out of the pockets Of the stock
holders, the remainder being stock
created purely from surplus. A like
condition is found in the case of an
other prominent company, the Union
Central, which a few years ago in
creased it's capital stock from $780,
600 to 100000, the increase being
made up entirely from the surplus
and the stock distributed pro-rata
to the stockholders. (In this in
stance it is interesting to note that
it's officials assured the Insurance
Department of Ohio that the increase
was mainly derived from profits on
their non-participating business.)
About a year ago The Travellers cut
a melon to the extent of doubling
their capital, making it $5,000,000,
and this additional stock was also
created purely from the surplus.
Several other instances might be
cited but these are sufficient to show
that the stockholders in a nonpar-
or even mixed" company
are deriving material benefit from
the concerns, greatly in excess Of the
mere interest earned on the securi-
ties in which the capital is invested.
that dividends Ito the pol
are merely the return OF
the unavoidable overcharge, (my
own company has paid nearly $70,-
100000 in dividends since organiza-
tion) let us not overlook the fact
that in the participating company
the policyholder gets them, and in
the non-participatipg company the
overcharge Qess, but surely there)
goes to the stakeholder in some form.
Not including 1914, the dividends
paid to stockholders in the Central
Life since 1902 have amounted to-
S65, S43.49.
"The test of life insurance is its
results" Mr.. Terrell says. Let us
ook at a few. The Central Life
charges for an Ordinary Life policy
At age 40, $26.S5 per $1,000. My
company charges for the same policy
1T the same age $3O.94. No divi-
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02
All of Evelyn's Crew Safe.

Washington, D. c., Feb. 81
Minister Van Dyke at The Hague
cabled yesterday it was unofficially
reported to him that the entire crew
of the American steamer Evelyn,
sunk by a mine, was safe at Brer-
en-. The fate of Captain Smith and
one boat load has been cloaked in
mystery.
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02

For sale, a pair of three year old
colts. Good ones, without blemish,
and ready for work this spring. For
further particulars, inquire Of How
ard Hale, harrisburg. f-t-tf
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02
FRANKS FATE HANGS
ON COURTS RULING
If Georgia Tribunals Decision is Al
frmed, He Will be Executed.

Washington, D. c., Feb. 27.-Ar-
guments on the Georgia federal
courts decision refusing a writ Of
habeas corpus to Leo M. Frank, un-
der death sentence for the murder
of Mary Phagan, the Atlantic fact
DRY girl, were concluded yesterday
before the United States supreme
court. A decision probably will not
be given at least for several weeks.
Should the supreme court affirm
the decision of the Georgia federal
court nothing would stand in the
way of the state carrying out the
death sentence.
If the ruling is reversed, accord
ing to counsel for both sides, the
case must go back to the district
court for the taking of evidence on
which the allegations in the petition
for the writ were based.
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02
Constantinople Reports Three More
Badly Battered During
Bombardment.
ALLIES CRUISERS SUFFER.
Fire From Forts Inficts Consider.
able Damage on Big Attack
ing Fleet.

Berlin, Feb. 26.-The Cologne
Gazette has published letter re-
ceived in Germany from Montevideo,
Urugay, in which it is declared tina:
seven British cruisers are lying at
the Falkland islands, in the south
ern Atlantic, severely damaged. This
information has been brought into
Montevideo, the letter says, by the
officers of an Argentine steamer.
Yesterdays official report on the
war is as follows:
Nothing important has occurred
in either theater of the war;"
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02

Constantinople, Feb. 27.-Three
warships of the allies were damaged
in the bombardment of the Dardan-
Giles forts Feb. 25, according to sn
announcement given out yesterday
at the headquarters of the Turkish
army here.
Here is the text of the announce
ment:
Webster City freeman. [volume] (Webster City, Hamilton County, Iowa) 1884-1946, 1915-03-02

J. w. Hawk, who has had his
shoe repairing shop in the Spinhar-
ney shoe store for some time. re-
moved to his old stand Monday un-
der the Webster City Gas company's
office.
The Seward gateway., 1915-12-04

z. :: :: " * .: * {" |" %' 3 {: :. SEWARD DAILY = |: TIDE TABLES * :. {. .: * :. < * < < (: < <
The Seward gateway., 1915-12-04
KENNECOTT WILL CUT
 MELON IN JANUARY

The basis for expectation of divi- dcnds on the Kennecott Copper at the rate of $5 per share per annum in January is that from the present price of copper the company is earn ing more than twice this sum. Un- der the mortgage indenture one-half of the net earnings must be set aside for the redemption If the S10,000,000 1O-year bonds until these have been paid off or converted into stock. The bonds are callable after June 1, 1917 at 1O5, or exchangeable into stock at $25 per share between June 1, 1917 and June 1, 1927.
 The company began it's year June 1 and for the first three months pro- duced 4O,OOO,OOO pounds in the suc- ceeding four months so that January 1st there should be a production of 63,OO0,OO0 pounds for seven months and a profit therefrom of about 13 cents or over $s,OOO,OOO. Out of this must be taken interest at the rate of six per cent on the bonds.
 A quarterly dividend of $125 in January on 100000 shares would call for only $9OO,OOO. When Kennecott bonds are converted the dividends on 1,12O,OOO shares should be no less even with a 13-cent copper market. , Kennecott people say that every thing is now arranged so that month ly shipments in winter should be equal to those in the summer months. -(Boston News Bureau.)
The Seward gateway., 1915-12-04
DAWSONITE IS IN
 CITY OF PETROGRAD

Dr. Henry Payne, the mining engi- neer, who was engaged with the Canadian-Klondyke company until the middle of the summer, arrived
 last week in Petrograd, Russia. A cablegram telling of his safe arrival there was received Friday by Joseph w. Boyle. The doctor went to Petro- grad by way of Vancouver, Japan, Vladivostok, the Trans-Siberian rail- way to Irkutsk, thence overland to Bodiabo, the Serbian Dawson, where he visited the celebrated Siberian placer fields. From there he travelled
The Seward gateway., 1915-12-04

Young Mans taste and employing Americas highest calibered Young Mems tailors to cater to that taste
The Seward gateway., 1915-12-04

This coat was designed originally for Mir. George Stallings, the Miracle Man " of the Boston Braves. A truly
The Seward gateway., 1915-12-04
nssndrg heDardanel1e

The Newest "Young Mems Ulster" Made to Your Mea sure
 The Royal Tailors, Chieago-New York
The Seward gateway., 1915-12-04

And Royal prices are the still greater marvel of Royal Service: SIS, S20, S25, $50. S3S and $40.
The Seward gateway., 1915-12-04

AllOlllcI lIlllS l''S "l Service has robbed the made to-measure idea of all it's uncertainties. Every Royal garment k sold on the guarantee thatit must fit and please or we will take it off your hands,
 Likewise there are no delivery disappointments in Royal Tailor Service. Every Royal garment is built in Six Day Sched ule with forfeit to you of $1 a day in cash if the suit or overcoat isn't finished on time.
The Seward gateway., 1915-12-04

Beginning Monday, Dec. 9th special sale on faces and ribbons, 99 and a third per cent. off. One week only. Seward Commercial Co.
The Seward gateway., 1915-12-04

New moon Dec. 6.
 For SeIdovia, add for high water hr. 15 min. For low water hr. II min.
 For Fire Island, add for high water 5 hr. 38 min., for low water 6 hr. 8 min.
 For Sunrise, add for high water 6 hr. 35 min. For low water 2 hr. 5s min.
The Seward gateway., 1915-12-04

back to the railway and on to Petro- grad.-Dawson News.
The Ocala evening star., 1915-08-10
PICNIC AT ANTHONY

Don't forget that everybody is in
vited to attend the basket picnic at
Anthony, Tuesday, August 18th. All
the adjoining towns are invited to
come and help make the day pleas
ant one. There will be speaking and a
short program, also plenty of re-
freshments to be sold for church ben
efits. The editors of the Star and
Banner are especially invited to come
anC make us a speech. Committee.
The Ocala evening star., 1915-08-10
GRAND GOLD MEDAL CONTEST

Another grand gold medal contest
was held in Oxford Saturday. A
great many people were present but
not many could enjoy the speaking as
there was so much noise and confus-
ion. The medal was awarded to Miss
the recitation, "The Result of Treat
ing" Preceding this there were
speeches by candidates for political
office. One man said that "all roads
are good roads to a politician to get
irto office" Some of the roads be-
tween Ocala and Oxford did not seem
to be particularly good.
The Ocala evening star., 1915-08-10
FOR A sPRAINED ANKLE

If you viii get a bottle Of Cham
berlain's Liniment and observe the di-
rections given Herewith faithfully,
you viii recover in much less time
than is usually required. Obtainable
eYerYWhere.
The Ocala evening star., 1915-08-10

Bring your prescriptions TO Ocala's
largest drug store, where prompt and
experienced service is always at your
disposal. The Court Pharmacy. If