davidaulloa/AmericanStories huggingface dataset:
Harrisburg telegraph. [volume] (Harrisburg, Pa.) 1879-1948, 1915-12-04

into account the condition of the
plant, shop, workroom, etc, and they
may from time to time change the
amount of premiums payable by any
OF the subscribers as circumstances
may require, and they may increase
the premiums of any employer ne
glecting to provide safety devices, or
disobeying tie rules or regulations
made by the board. The insurance of
any subscriber shall not be effective
until he shall have paid in full the
premiums so fixed and determined
I'm addresses which have been
made in different parts of the State
by members of the insurance board
its manager and assistant manager
have laid great stress on the fact
that the law says that any subscriber
to the fund is relieved of all further
liability. This only means. that in
case of an injury an employe must
make his claim against this fund, and
not against the employer. 1t does
not mean that the fund will make
any payment or any defense should
claims be made for damages under
common law procedure, as the fund
can only cover for compensation pay
ments as provided by the law, and L
might say there are many accidents
occurring in compensation States that
are found not entitled to compensa-
dure is then taken under common law
with the hope Of recovery.
"A further statement made by the
managers of the fund is that there is
no place in the law where the word
assessment is mentioned. This is
perfectly true. But the provision for
the changing of the premium at any
time that circumstances may require
referred to above allows the board the
e-s., laks I,ak ln F1tf a
if the word assessment had been
made use of, and seems to indicate
that, without doubt, il the fund
should become bankrupt, there will
be ways and means for the board to
collect a sufficient amount of extra
premium to meet such a contingency.
while | desire to deal with the
fund in all fairness, there are some
statements of facts which should be
kept in mind. The fund has no capt.
tai or surplus, and the State assumes
no responsibility or guarantee of the
fund. The fund cannot issue a policy
of insurance. Its protection is limited
to compensation payments only.
"The rates of the fund are to be
10 per cent. under stock companies,
and / think this should be so, for the
class of protection it gives. It's ex-
penses are all paid by the State. Its
premiums are exempt from taxation,
and while there is a provision that
proper reserves must be created
there is no rule by which they are
created, and there is no one to see that
they are properly maintained as the
board is not subject to any depart
mental investigation. The sky is the
limit in case of a catastrophe acci-
dent. The test of real insurance al
ways comes with such a disaster, and
the fund is not, or never will be in
position to Withstand such a test,
believe.
"As to mutual insurance, I do not
Harrisburg telegraph. [volume] (Harrisburg, Pa.) 1879-1948, 1915-12-04
EXPERT LEGRAPH HISVIEWSONW NWORKMENSL
INSURANCE AND OPERATION OF NEWLAWl

child As per cent, with two children
so per cent, with three children 55
per cent, with four or more children
so per cent. If there are no widow,
widower or children, then the fol-
lowing provisions: for both parents,
or surviving parent, 20 per cent, for
brother or a sister, If no surviving
parents 15 per cent, for each addi-
tional brother or sister, 5 per cent,
with a maximum of 25 per cent. for
all brothers and sisters. In addition
to these payments, expenses of sick
ness and burial not to exceed 500.
This, OF course, means the medical
provision on account of the injury
where the word sickness is used. Pay
ments to a child, brother or sister
ceases at the age of 16 years. Should
a widow or widower remarry, or be-
come capable of self-support, pay
ments cease. The maximum period
payable for death is 500 weeks. The
payment made to alien relatives who
are not residents of the United States
shall be two-thirds the amount pro-
rided in the above schedule. Actual
dependency of alien children must be
proven.
An employer having accepted the
law shall purchase insurance in eth
er stock or mutual company, or be-
come contributor to the State in
surance fund, unless he has been
granted the privilege of self insurance
by showing sufficient financial
strength and being granted such per-
mission by the industrial board. No
tice OF accident must be given by an
injured employe within fourteen days
after 1T happened, unless employer has
actual knowledge of this occurrence.
Claims are forever barred unless with
in one year after the accident the
parties have agreed to settlement, or
one of them has started proceedings
to collect compensation. Settlements
may be made by agreement between
the employer and the injured on and
after the fourteenth day after the
injury. The agreement must be in
writing and signed by the parties, a
certified copy of agreement must be
delivered to compensation board, who
must approve same. If parties fail to
agree the claim goes before compen-
sation board for hearing. There is
no indemnity paid if it can be proven
that an employe deliberately injured
himself to draw indemnity, or if the
employe was intoxicated at the time
of the injury.
"A law has been passed for the
creation of mutual associations and
also for the creation of an insur-
ance fund. Speaking of the fund it
will be administered by the insurance
board appointed by the governor with
out liability on part of the State be-
yond the amount of the contribution
or premiums by the subscribers. The
administration expense. however will
of premiums by the subscribers. The
1919, for which an appropriation of
$4,000 900 was made by the last Legis-
lature. There is in the act creating
the fund, and I refer to Section of
Act No. $40, the following language:
In fixing the premiums payable by
any subscriber, the board may take
Harrisburg telegraph. [volume] (Harrisburg, Pa.) 1879-1948, 1915-12-04

an employer of the obligations of the
compensation law. The policies is
sued by such companies guarantee,
without limits, to administer and pay
the compensation provisions of the
law, and also to defend, at its own
cost, ana pay any judgment without
limits, as to liability, if an action
should be brought for personal in
jury damages under the common law,
thus giving a double covering for the
premium you pay. Your premiums
will be fixed absolutely. There are
no assessments, or no rearranging of
the premium during the policy con-
tract. The rates, while they may be
10 per cent. higher than the insur-
ance fund, are only consistent with
tne class of protection guaranteed.
Not only will the policies give full
protectlon, but you will receive the
beneht of an inspection service
through safety engineers who will
show how danger zones may be elimi-
mated, thereby preventing the acci-
dents, and as far as future cost of
insurance is concerned, your pre-
mlums VIII be passed absolutely on
the experience of your individual busi-
ness, irrespective OF any other business
OF the same nature in the State of
pennsylvania. Your rating will be an
individual rating and not a classified
rate as has been in vogue under COM
mon law procedure.
In conclusion my advice to you is
TO consult freely with some good in
surance man before making your de-
cision, should you purchase insur-
ance, as to which of the three plans
you select, having in mind that, un-
der any plan, all that can be offered
you to relieve you of the obligation is
security and service
Harrisburg telegraph. [volume] (Harrisburg, Pa.) 1879-1948, 1915-12-04

think that any we'll informed bust
nessman will resort to any such means
to relieve himself of the obligation of
the law. Mutual insurance may be
all right for underwriting fire risks,
where the loan can be determined but
the underwriting of compensation is
an entirely different matter. Pay
ments are deferred into the future for
SOC weeks, or practically ten years
and | do not think that any employer
of labor desires to hold the bag and
take the chance that a mutual asso-
citation will be in existence ten years
in the future. / will quote from two
sections of the law No.342, which is
provided for the incorporation and
regulation of mutual companies. Sec
tlon II reads that the board OF di-
rectors may make reasonable rules and
regulations, and that any subscriber
who disregards such rules shall for
felt one-half of the unearned pre-
miums previously paid by him. That
should a member terminate his in
surance, it shall not release him from
liability for the payment of assess
ments then, or thereafter, made by
the board of directors to make up any
deficiencies existing at the termina-
ton of his Insurance. and Section Y
reads, Every subscriber to such as
sociation shall be under contingent
losses and expenses in excess of the
cash funds of the association to an
amount equal to the premium paid
by him during the current year
There are some twenty-siX states
having compensation laws, and there
has not been a sufficient amount or
mutual business written in these
States to make 1t worthy of the con-
sideration of any employer. While
n IA al nil ia 6eGn
provided by the State of Pennsylvania
for the administration of the law, and
while l, personally, have the honor TO
represent the United States Fidelity
and Guaranty Company of Baltimore,
which is a stock company, we want
to treat it fair as a competitor MY
company is in the insurance business,
and we hope to get our fair share OF
the premiums but if any employer
in the State should ask for advice,
after having stated that, under no
condition would he insure with my
company, / would, without hesita-
tion advise him that his choice should
be between some other good stock
insurance company, or arrange under
the act. to be granted permission to
carry his own insurance. That un-
der no circumstances is he justified
in contributing premiums. to mu-
tual organization If he desires to OBJ
tain absolute security as a guarantee
for payment or compensation to his
employees. AS between mutual asso-
Citations and State fund, I should ad-
wise him to join mutual, because he
would then, as a member, have some
voice in its management. But, as a
subscriber to the fund he would be
controlled absolutely by the rules and
regulations of the Industrial COM
mission, the members of which have
no interest in the fund whatsoever.
stock company insurance is the
one safe method, I believe, to relieve
Harrisburg telegraph. [volume] (Harrisburg, Pa.) 1879-1948, 1915-12-04

Dorothy Gish, the famous beauty. and
most lovable star of the Griffith Tri-
ticular star in "Old Heidelberg" her
latest Triangle success. which will be
presented at the Colonial Theater dur
Ing the first three days of next week
Another interesting incident concern
ing this particular attraction is the
fact that this play was also conducted
by David W. Griffith, who, it will be
remembered, conducted The Birth of a
Nation" production. Miss Gish will
have the, assistance of distinguished
cast of players.
"old Heidelberg" combines the we'll
Harrisburg telegraph. [volume] (Harrisburg, Pa.) 1879-1948, 1915-12-04

known love story of Karl Heinz, heredi-
tary prince of RutaRia, and Katie. niece
of the innkeeper, with powerful argu-
ment against war
even ss cbiid has rehe1Ied orajr,s+ %ho tho
strict military rules of the court, is
sent to Heidelberg with his tutor, Dr.
Juttner. The university atmosphere is
faithfully reproduced, and the beauti-
full romance of prince and plebian un-
folded. Into this happy life comes a
summons from the reigning prince and
and engage in a war which is proposed.
Harrisburg telegraph. [volume] (Harrisburg, Pa.) 1879-1948, 1915-12-04

To find out if his people really want to
fight Karl and DR.. Juttner go among
them and discover that they are seeth-
ing with revolt. A veteran of a former
war describes a famous victory in the
previous conflict. which gives Griffith
9. chance to stage several thrilling bat
tie scenes. Finally the reigning prince
dies, war is averted and Karl becomes
the ruler. The end of the play finds
him in the palace after a farewell visit
to Katie at Heidelberg. To effect
treaty with neighboring State he is
cares NEUTRALITY-SUSPICIOUS.
The chronicle=news., 1915-01-15
WHEN RUNDOWN,
WEAK AND NERVOUS
What Should a Man Do? Sug.
gestion of Ohio Druggist to
One Such Man Saved His
Life. So He Says.

Nelsourille. Oaio-"I was all run
Gown. weak and nervous and had no
syp-ti,e al all. In fact was very much
discouraged until our druggist tod me
abort Vino! and 4s.z.; me TO Try IL !
cii - and IL has certainly been a life
saver 70 me ! can gladly recommend
Niool 20 anyone who needs blood and
nsrTe tOric- IS. 5. STEESgoD, Nelson
vile, Ohio.
When e man is rundown. weak and
rsryous. he needs good appetite. good
digestion. better blood. more strength.
more vitality. and We 90 not know Of
any medicine that will supply il 50
quickly as NinOl.
Il Is the active medicinal principles Of
rri liver oil aided By the blocsi making
Strengthening properties of tonic iron.
contained in Viroi. which makes it 20
efficient in building up health and
strength for weak, nervous, rundown
--sn and women
Wesss every weak, nervous, rundown
person IN This locality 10 tn ViDoI on
CIR guarantee, and Il il fails to help yc,
We Tlll ret-rn yOCr money.
The Hau-mau Drug Co, Trinidad,
Colo. and at leading drug stores
everywhere-
The chronicle=news., 1915-01-15
new HAuSMAN
STORE At PUEBLO
BEST IN STATk

Pueblo, Colo. Jan, l5-Pueblo-
ans will have the pleasure of attend
ing the opening Of the Hausman
Drug company located at Fourth and
Main streets. tomorrow. when the
doors of the handsome new store will
be thrown open to the public. The
store is said to be one of the most
costly in the west an examination of
the fixtures is necessary to realize
the skill OF the workmen who have
been employed in making and INSTALL
ing the equipment and fixtures
The Interior finish Is in mahog-
any. The side walls are used for the
attractive show cases with remova Bile
shelves These cases reach 10 the
top OF the balcony which extends to
the rear OF the room and then al
either side. The tinting Is a study
itself as the colors employed in this
work have been blended with the in
terror woodwork until the eye OF an
artist is necessary to realize the har-
nonious effects.
Perhaps the most striking feature
is the lighting system. The lights
are among the most attractive that
have ever been shown in Pueblo and
he small irridescent shades used are
from Tiffany's New York store. This
kind of shades have only been used in
one residence in Pueblo before and
are said to be the acme of art. They
are used to shade the lights on tive
of the high lighting fixtures on the
soda fountain. From the ceiling
are suspended two attractive chan
deliers with the indirect lighting
bowls. From the top of the fountain
are hung two huge globes of loaded
tintirgs
The chronicle=news., 1915-01-15

The soda fountain is thirty feet
long. The top is made OF marble and
il is divided into three sections. The
mirrors at the rear are also in three
sections The fountain is one of the
sanitary kind. having been approved
by government critics. The fountain
is simple in design as Is the entire
store but its massiyeness is quite in
posing.
The balcony is one of the prett!esi
features of the store. The office Will
be located here and the shelves are
made far enough from the walls for
the stock man to walk behind them
and place the goods. Steps from the
rear of the building 90 up TO the bal
cony
The prescription room il one OF the
most up-to-date in the city and is
equipped with eY.ry modern ap1li-
ance. Only those familiar in this line
of work can appreciate what skill
has been used by the designers to
make this room the most sanitary
and convenient possible.
The Hausman Drug Company
il established in Trinidad, Colorado.
where Mr.. Hausman has conducted
three stores and also jobbing buSi-
ness. He is known as one OF the best
The chronicle=news., 1915-01-15
BETTER THAN CALOMEl
Thousands Have Discovered
DR.. Edwards Olive Tablets
are a Harmless Substitute

DR.. Edwards Olive Tablets-thc subs.i.
tute for calomel-aTe mild but sure laNa-
tive and their effect on the liver IS almost
instantaneous. They are the result of Dr.
Edwards deterrI n alton not to treat liver
and bowel complaints with calornel His
efforts to banish u brought out these little
olive-colored tablets.
These pleasant little tablets do the good
that calcmel does but have no bad after e:'
fects. They don't injure the teeth like strong
liquids OF calornel. They take bold of the
trouble and quickly correct it. Why cure
the liver at the expense of the tccthf Cal
ornel sometimes plays havoc with the gums.
So do strong liquids.
Il is best not to take calomel. but to let
d.. Edwards Olive Tablets take its place.
Most headaches. "dullness" and that
lazy feeling come from constipation and
disordered liver. Take DR.. Edwards Olive
Tablets when you feel"loggy" "and"heavy.
Note bow they "clear" clouded brain and
hs bow they spsrk up" the spirits. AT loe and
The Olive Tablet Company, Columbus O
The chronicle=news., 1915-01-15
AMERICAN CHARGED
WITH SMUGGLING CATTLE

Laredo. Tex, Jan. 15.-Four
Americans charged with smuggling
cattle from Mexico were placed on
trial today at Nuevo Laredo. Mexico.
according to announcement BY
Alonzo Garrett. United States consul
there. This disproves recent reports
that the Americans had been sem
fenced to death.
1t was reported that William
White and William Burris, the
younger of the four prisoners. would
he released after an examination. but
that regular legal processes would
Ue gone through in the cases of
Headley White and Terrell. All four
reside in Texas near Laredo
Chronicle-News. soc a mouth.
The chronicle=news., 1915-01-15

That iu ali things lie might have
the r.---=mlueuce That we may the
better understand this claim made by
-Hls great apostle se must remember
that the Arosriv teachers had been
81 work among the people at Colos-
szs They had taught them that God
was lar removed from his world and
1latrls great chssm separating man
from God could be Jridssd only by
= series Of -emi-spiritual beings
which were part human and part
mere distractions Thru these mans
petition might be passed on until it
u gh; finally reach God Paul brush
- tins erroneous view aside and prac-
tical.v says TO them your theory il
without any value whateve~
II Is true that there is wide
chasm between fallen man and
bis God. but it Is also irle that when
The chronicle=news., 1915-01-15
LOCATING IT

You ought to be contented and
not fret for your old home" saif
the misti ess as she looked into the
dim eyes of her young Swedish
maid you are earning good wages
your work is light. everyone is kind
% you, and you have plenty OF friend
here
"Yas'm. said the girl. but il is
not the place where do be that
makes me vera homesick: it is the
place where ! don't be-"-Youth's
Companion.
The chronicle=news., 1915-01-15

there wzs no eye TO pity and no arm
to save. GOd laid help on one who
was mighty to save and strong to de-
liver and Christ has become the days
nah between God and fallen hui
manity The centuries have slipped
by and many OF the falS6 theories
have changed form. but human ma
ture Is very much the same as in the
old days And unTegenerate man
is still found worshiping at the
shrine OF the world. Most men are
willing to admit that We should
worship God. but they are asking.
Why make this the chief interest in
life2' Some still like these Anostics
seek to compromise with their reli-
gions. but if the message of Paul
means anything to uz it insists upon
the absolute superiority and suDrem-
acy of Jesus the Christ
Lit was 4 BoiG cam TO he made
at a time when christianity was un-
Known save as the religion of the
crucified man of Galilee. Such
declaration reveals the most sublime
faith Of the ages Anyone can pro-
phesy a harvest when the grain is
ripening. but to stand amid the
SHOWS of spiritual winter time and
say, Lift up your eyes and look for
the fields are white already unto the
harvest. this is divine. Pauls faith
beheld the glory of that bright day
= hen the cross would sway the world
End declared that Christ was the
king of kings and lord Of lords
According to this chapter Paul
believed Christ to he l. Prc-emi-
nsut in his nature. The Son OF Gods
love, The image OF the invisible Coz
himself God became flesh and dwell
among us. God was manifest in the
flesh in. 1sli. / Tim. SIG.
g Chris, was and j. pre-eminenr
in his teachings in. I.iG. Never
man so spake lie was prc-eminent-
lie taught with pre-eminent author
ity, Mat I.2s Mat. 2s:ls ours not
to question or criticise but ours to
obey. Hear ye him Mat. l7.5.
3. pTe-eIlineut Ill his love. in
I5:iS- Rom ,:s: I in. 4:s-io.
!. irs-@W lHeni III MS WOInS.
/ Works of creation in. 80
Col. I:16-17.
, Working miracles He healed
the sick. cleansed lepers. gave sight
10 the blind and restored life TO tn.
dead. In amazemeut men cride out
What manner OF man i tHis?" MAI
so.
,. Pre-emineut in the work OF 70
demption. lisa. 5&:i-I: G2:l-3. He
himself bare our sins. Pet. 2:24
c5 o. brother he Is pre-eminent
there is none else can save. Acts
i:12
: Pre-emiueut "a Lord ana King
Ne must not only take him as a,ic'
but as Lord He must D" Lord a.
All or he Will not he Lord al all.
The chronicle=news., 1915-01-15
DRINK HOT TEA
FOR A BAD COLD

Get n small package OF Hambur.
Breast Tea. or aS the German foba
call it. Hamburger BrlIst Thee" at an.
pharmacy. Take a tablespoonful OF til,
tea, put a cup OF boiling water Upo!
i. pour through a sieve and drink :
teacup full at any time during the
day or before retiring. 1, ia the most
effective way to break cold and cure
grip. as it opens the pores OF the skin,
relieving congestion. Also loosens the
bowels, thus driving cold from the
system.
Try il the next time you suffer from
a cold or the grip. 1t is inexpensive
and entirely vegetable, therefore safe
and harmless.
The chronicle=news., 1915-01-15
PEOPLE STIRRED
BY REVEALS,
REV, BUTLER
SPEAKS AGAIN

The Pre-Elia=zcs Of Christ vas
the text Of tie sermon delivered al
the soutaeEG Nsih0dls:-B4ptl=t EevI-
val ser,.iee LOST evening The large
attendance .eaiu demonstrated thar
'he reTirsl, nave thoroughly aroused
the people OF Trinidad Owing to the
inability Of Rev. Chandiert0 attend
last night the chOrguz choir was led
u George Che-ry Rev. Chandler
will be present this evening 10 Ieaa
the singing and ever evening except
The chronicle=news., 1915-01-15
RUB BACKACHE AND
LUMBAG0 RIGHT OUT
Rub Pain and Stiffness away will
small bottle of old honest
St. Jacobs Oil

When your back is sore and lame
,r lumbago. sciatica or rheumatism has
Tou sti'fcnci up, don't suffer. Get
% cent bottle OF old, honest st
Jacobs Oil" at any drug store, pour
little III your hand and rub it right
into the pain or ache, and by the time
vou count fifty, the soreness and lame
ness is gone.
Don't stay crippled! This soothing,
generating oil needs to be used only
Jnce.o 1t takes the ache and pain right
Jut OF your back and ends the misery.
t is magical, yet absolutely harmless
md doesn't ourn the skin. 0
Nothing else stops lumbago, sciatica
md lame back misery 80 promptly!
The chronicle=news., 1915-01-15
TELEPHONE DIRECTORY.

being prepared fer Trinidad. Over
2.2o0 names will appear in the new
list, which will be consulted every
day by thousands of people.
Your name should be in the book
for your own good. Copy closes
January 90 Telephone or call on
our manager-The Mountain States
Telephone and Telegraph Co. 81.
The chronicle=news., 1915-01-15

regular and was
tired and sleepy AL
the time. would have
cold chills, and my
hands and feetwouId
bloa,- Ny stomach
bothered me. | had
pain in my SIDE and
= bai headache most
Of the time. Lydia
(. Pinkham's Nege-
table Compound has
done mo l1-of coo.j
The chronicle=news., 1915-01-15

business men in the southern part of
the state and is welcomed by Pueblo
merchants His store in Pueblo will
be under the management Of W. H.
Gordon. The store will be thrown
open TO the public tomorrow and the
public is invited to call and make a
complete inspection.
The chronicle=news., 1915-01-15

The Salvation Army can use any
cast-off clothing. furniture. F"cheD
utensils, dishes, bedding. etc. ANY.
one having any OF such please phone
Red 1852 and they will be called
for promptly. Tbanks.-Captain E
: .Iaas.