davidaulloa/AmericanStories huggingface dataset:
The Washington herald., 1919-03-18
FIRE INSURANCE
:. GOOD BUSINESS
Danger Of Loss Threatens
Rich and Poor Alike.
Rates Very Low.

Fire insurance has been so wide
1y advertised and solicited in past
years and has proved to be such a
boon to so many people that at the
present time it is looked on by the
great majority OF the people as al
most as much a necessity as are
food and clothing. Still there are
quite a few people, especially those
OF modest means. who consider IL
a matter of economy to do without
ut. They console themselves with
Arguments to the effect that they
have never had a fire" and that
they are careful and there is no
chance OF a fre." Nevertheless fres
continue to occur. and usually in a
4nanner entirely unexpected. Fur
.sfhermore no matter how careful one
may be he cannot effectually guard
against the carelessness of others,
and when fire occurs in one building
1T will quite often spread to adjoin-
ing property.
Insurance Rates Law.
~ss.when a man Of modest means re-
fuses to carry fire insurance as a
s~hratter Of economy he makes a great
mistake. A wealthy man can much
better afford to go without insurance
than the man who has little. The rea-
son for this is obvious. II some OF
tthe property OF a wealthy man is de-
stroyed he has other resources to
fall back on. The man Of moderate
sneans has all of his money invested
in his household goods and his home
and II these are destroyed he must
esart all over again. II they are bur
partially destroyed the loss is still a
Serious one. The rates are so low
that he cannot really afford to take
fhe chance of being without insur-
ance- To illustrate: The premium
for 1900 insurance on a brick dwell
ing at the present rates Is SIS for a
term Of five years. At this rate the
total premiums for nifty years would
be only $50 This means that a loss
sf only $40 would be greater than
the cost Of full protection for fifty
years
The Washington herald., 1919-03-18
BANK DEPOSITS
SHOW BIG GAIN

WashinEton is becoming prosper
sess, despite the high cost OF every
tsing, il one can judge by the
anount OF money its citizens are
storing away in the banks.
VA gain of $1,000, 900 in deposits
IS noted for the time extending
Dom the cOmptroller's call. Decem-
Der 81, to March 4. Inclusive, over
the same period in 1918.
.-On March the total of deposits
amounted to Sl69.0OO. 900 compared
with S157. .S23.5O212 on December
AZ. 1918. All previous records were
broken.
Savings Banks Gain $1,000, 600.
The i've trust companies. with S.-
s25.5n.j4. showed the biggest individ-
usl gain. A total gain of 1855. .3i3
was shown in the fourteen national
banks. and the net gain in the saw.
inss bank group was slightly less than
ss.OCO,O00.
a few banks reported losses, all OF
which were light.
What is the answer?
According to bank experts and 9TH
fTs, the growth in prosperity is due
20 the lesson Of saving, taught by
Uncle Sam I'm his Liberty Bond and
War Savings Stamp crusade.
The Washington herald., 1919-03-18
INSURANCE FIELD OFFERS
GREAT REWARDS FOR WORK
Every Man His Own Boss and Success L
Measured by Effort, Says A. L.
Baldwin

And since the life Insurance business
Is experiencing an unprecedented
prosperity. the solicitors who made
5000 In 1918 are in line to make dou-
Bile that In 1918 and succeeding years.
Every Man Own Boss.
Moreover. in no other business is a
man required to save a large portion
OF what he earns each year. A So
liciter is paid small renewal COM
mission for several succeeding years
which serves to Increase his income
year by year without any increase in
new business. In these renewal COM
missions he has a vested interest.
Yet every man In the insurance busi-
ness Is his own boss. He may choose
the persons with whom he wishes to
do business. those whom he feels will
best respond to his efforts. The more
time and energy he puts into his
work. the greater the results realized.
We may add to these attractions
the possibility of living at home; for
life insurance Is most successfully
sold by the home man-the man who
emphasizes the Importance of home
life.
Such a healthy profession, further
more. allows a man to be always at
his best with no fear Of depreciation
or obsolescence with increasing years.
To the contrary, he Is continually
growing in influence in the commu-
nifty. For the man who stea dfastly
and earnestly renders the service that
the life Insurance man can will in
evitably grow in the respect OF an
overwhelming circle of friends. II
will permit him to realize any legiti-
mate ambition whether 1t be social
religious or political.
The Washington herald., 1919-03-18
VS. AND STATEMENTS SHOWING a HEALTHY GROWTH

national In scope and Of incalculable
importance to national defense, a.
well as to national welfare and COM
fort. Yet the electric railways, repre-
senting an Investment Of Ss.oo0. .0oo. .ooo
are rapidly on the rocks-lArgelys be-
cause of public ignorance OF. and In
difference to the true conditions OF
this great industry.
Transportation cannot be rendered
at less than cost without the money to
make up the deficit coming either
from the security holders or the tax
payers. or both. 1t should be obvious
to all that the cost of transportation
ought to be bofne by the users Of
transportation. and that some plan
should be worked out at once by
which such provision Ii made.
There can be no possible justifica-
tion for imposing such burdens az are
being inflicted upon security holders
and taxpayers today In a auixotic at
tempt to give something for nothing,
by allowing the users of transporta-
tion tines to enjoy the conveniences
provided them at less than cost"
The Washington herald., 1919-03-18

cieties and organizations in the coun-
try which boosted war savings during
the war, the government 10 reorEaniz-
Ing the war savings movement into
one for the benefit Of its citizens. to
teach the country at large the untold
dement's Of thrift and intelligent saw
ing.
Special emphasis IL placed on the
word Intelligent" when applied to
saving. The man who boards his
savings In teapot 10 foolish when
he could invest II in War Savings
stamps at an interest of 4 per cent
compounded quarterly, and make
his money work for him. II is point
ed out.
The Washington herald., 1919-03-18

This month one could buy zeo
thrift stamps. the total number per-
mitted any Individual, for &e2s,oo;
and on the date of their maturity.
January i. 1894. collect $1,000 from
Uncle Sam. This shows how rap
idly money grows when converted
into war savings stamps.
During the recent fu epidemic
many persons were taught the ben-
ehts of saving. The money they
received through eashing in their
stamps carried them through tough
times. Many letters to. this effect
have been received at the local war
savings stamps headquarters, IN
the Metropolitan Bank Building.
The Washington herald., 1919-03-18
BY A. L. BALDWIN.

In these days of advancement and
progress it is practically an accepted
fact that life insurance Is not only
desirable and .expedient. but also nec-
essary and essential. The War Risk
Insurance and the Flu epidemic
have emphasized the importance OF
insurance. People are more broad
minded and far-sighted than ever be-
fore; and realize more and more the
real meaning Of preparedness" in its
various aspects. One form of this
preparedness is the provision-ample
provision-for the support of depend
ents in the event OF death Of the
bread winner.
The mortality from the epidemic was
more serious in its ravages than
that from the world war. The gov
eminent with its wonderful instl-
tuition OF War Risk Insurance made
provision for an income to the war
widows and orphans. But is it not
the duty and privilege for the life
! insurance man to see that as many
as possible of the civilian population
, are also prepared in this way? The
life insurance field is large; and the
opportunity is great!
The Insurance Field.
At no time in the worlds his
tory has the profession of life in
surance offered such possibilities to
men OF health, vigor and vision.
Every soldier with these qualifi-
cations exchanging his uniform for
civilian clothes should come to at
teBtion. Success in this field
oeckons to men with the greatest
| variety of training. The man right
out of college. the copmercial
salesman with a high school edu-
cation, the civil engineer. the
lawyer. each capitalizes his per-
sonality and makes big money in
soliciting life insurance.
The average man has emerged
from the war period a different type
| OF man. He is more generous, more
| sympathetic. more tolerant. and
! knows more men than he did be-
fore; otherwise he has missed what
was due from the discipline of the
war. The man who used to meet
the life Insurance man occasionally.
| but with the attitude of a crouch,
/ has had his innings. and he now
| becomes a sympathetic listener to
| the suggestions of the men who
/ sell home maintenance, business
maintenance and maintenance of
I old age comfort.
One OF the many attractions OF the
! profession that should be mentioned
is the competence far beyond expec-
| tations which five talent or even two
/ talent men acquire. In one OF the
! large companies during 1918. 367 agents
! exclusive Of those in charge OF
/ agencies, received in excess of 5000.
The Washington herald., 1919-03-18
STAMP BUYING
HELPS CITIZEN

Although the government Is spend
Ing money at the rate Of 200 06o. 900
per month, the needs of war arc no
longer promulgated as the reasons
why American citizens should buy
war savings stamps.
To teach the nation thrift Is the
purpose of the war savings movement
now. 1t is claimed that thousands
have money in the bank and are OIL
the road to prosperity because they
bought liberty bonds and war savings
stamps. To benefit the individual as
much as to help the government, the
sale Of war savings stamps Is Icing
continued.
Using as a nuculus the $4,000 So
The Washington herald., 1919-03-18
THE WORLDS PAPER MONEY

Paper money in circulation in the
principal belligerent and neutral coun-
tries. according to a compilation of
the Swiss Bank, has increased from
S,675,0oo.OO0 before the war to nearly
1924, 900. 0O0O00, with Russia alone con-
tributing $4,000, 100000. Apart from
Russia, circulation OF notes has risen
by 397 per cent
The Washington herald., 1919-03-18

Loses sustained during the year 1913 Zae. .is4 @
Money received during the year 1915 400. "a O.
Expended during the year 1913. as. .7S2 Is
CHARLES l. CASEY
United States Manager.
Subscribed ard sworn to before me this 18Th
day Of Feruary. 1919
tSesL)
FREDERICK T. CASE. Notary Public
New IOFk Gpunty
The Washington herald., 1919-03-18
STATEMENT OF THE CONDITION
OF THE
New York Life Insurance
Company Of New York

I'm the Slst day Of December, 1918 as required
under the District Of Columbia Code, amend
ed June o lso. and August IS. 1911.
The Washington herald., 1919-03-18

| Character Of business transacted during the
year las-Acc1dent, health, liability, plate glass,
! burglary. fidelity and surety
Money received during the year 1913 81 ll3 los II
Expended during the year lels....... n6 I53 81
ALBERT SABBATH. Vice President,
| p A WESTERFTELD, Secretary.
Subscribed and sworn to before me this 18th
day of February. 1919
tSeap A. II. wERTH
| Notary Public
My commission expires December II, 1870
The Washington herald., 1919-03-18

ASSETS.
Cash in Office, branch Offices and
in transit :.::..................... N.22 OaoS
Branch Office debit balances, Sss-
Se.03; credit. sJ26. .iis ~; net gs5ell
Sash in hank. Observation-Disclosures. 0N COS IS
Real estate Observation-Disclosures. l3AseOo %
keaI estate mortgages first lienl ISs soi II
Loans secured by pledge Of bonds
stocks or other collateral w Ts55o 90
Stocks and bonds market vsluel. eoe III 81 ss
War certificates and thrift stamps 2.0Tl
Iremium notes and policy loans. Is5lHs2 os
Premiums reported 20 War Risk
Bureau under Soldiers and Sail
ors' Civil Relief Act....... B3H
Premiums unsolicited and deferred l3sE MA
Interest and rents due and accrued l5lo5 tn62
Total......................... 1856 i5s ooo. g
Deduct branch Office debit balances oes $3.50
Total assets. ssee 0sI 81 8
The Washington herald., 1919-03-18

Capital stock: Company Is purely mutual.
The Washington herald., 1919-03-18
STATEMENT OF THE CONDITION
OF THE
St. Paul Fire and Marine
Insurance Company of
St. Paul, Minn.,

On the 31st day of December 1913,
ms required under the District of
Columbia Code. amended June 80,
1902, and August is, 1911.
The Washington herald., 1919-03-18
STATEMENT OF THE CONDITION
The Prudential Insurance
Company Of America, Of
Newark, New Jersey,

under the District Of Columbia Cooe ane1uoo
June 80. 1902, and August IS, 1911
c.u.,,, ..o,1 ........... 5000. ao %
,srst.i go Mid mn in cash. h... a0 0ecoW
ASSETS.
Cash in office and in transit. NS"
Cash liz banks and trust cosnpan-
les: Not on interest, Sl2,lei5.
o., - '--- lsHss3 II
~, s.ts,s rotra3e. Ctrst Henl. Iasssz .
Stocks and bonds tmarket Ialuel;
bonds have been valued on the
coII,ts,.I Iosn. '...,.......... 2o72 SS %
Premiums uncoliected and pc
miums deferred lnetl tl............... sNl,0te
Interest and rents due and accrued 1850 r5.S
An other assets: Includng So
- se'-'.,,,..,,'.... lScuss3l
The Washington herald., 1919-03-18

Total assets Includes 50 .on. 90
Fourth Liberty Loan bonds
purchased with borrowed mon
cyl ....................
The Washington herald., 1919-03-18

Character of business transacted during the
wear 1918: Life insurance. including permanent
physical disability benefits and other insurance
arTsrtaining thereto. and granting. purchasing
and disIoSing Of annuities and making endow-
ments, and receiving and executing trusts etc.
as authorized by its charter.
Amount Of risk assumed during
the year 1913. exclusive Of re-
viyed and increased and addi-
tiOns by dividends ............ $50 33s 800 90
Losses sustained during the year
1913 ............................ N3R.ssOo
Money received during the year
1918 .....-...................... I7s.sss S7s 80
Expended during the year les.. ls270o a7 90
THOS. A BUCKNER.
WILBUR II. TURL1N, Vice President
Assistant Secretary
Subscribed and sworn to before me this 5th
day OF March, 1919
tSeaD GEO. T. LoOSER
Notary Public
Notary Public, Rockland County.
New York County Clerks No. g6
New York County Registers No l0l73
Commission eyInres March 10
The Washington herald., 1919-03-18

LIABILITIES.
Net unpaid claims. ims.................. S7,R .so.es
Net present value Of all the out
standing policies paid for and
additions thereto in force De
cember 81. 1913. as computed
by the Insurance Department
II the State Of New York T55 80 81 %
Borrowed money. s. $50 0oOoo and
interest thereon, s3s7eA..... 2s5 SO a
Premiums paid in advance includ-
ing surrender values so applied aS7 Tel "a
Salaries, rents. expenses, taxes
medical examiners, inspectors
and legal fees due or accrued $50 80 o.
Commissions Observation-Disclosures. l4.ia 81
Due and unpaid on supplementary
contracts not involving life
contingencies .................... 3.oss 5
Cash dividends remaining unpsid 2IsI. .si7es
All other liabilities. 49, 763 l32 %
Total liabilities. ssB Os7 "a IS
The Washington herald., 1919-03-18
Statemest Of the Condition
of the
Sterling Fire Insurance
Company Of Indian
apolis, Ind,

On tie 5lst dIv n December. lsik a. rsqulrrd
under the District Of Columbia Code amenoed
June @ 1907 and AuTIE y ISl-
Evening journal., 1919-10-02

formuls, direction or reipe advertised,
designed or intended for use in The un-
lawful manufacture Of intoxicating
iquor.n
Home Manufacture Forbidden.
Home manufacture" must be con
fined to nonintoxicatins elders and fruit
juices. so that the Kitchen brewer
or distiller must conAne his activities
10 production Of beverages containing
not to exceed one-aalf Of per cent. Of
alcohol in volnne. This section reads .
The penalties provided in this act
against the manufacture Of liquor with
out a permit shall not apply 10 per-
son for manufacturing nonintoxicating
cider and fruit juices exclusively for
use in his home but such cider may
be sold and delivered to persons having
permits 20 manufacture vinegar.
The transportation Of liquor is pro-
hibiicd. ana il person found trans
porting II in violation of law. the
wagon, buggy. automobile, waler or
aircraft or other vehicle shall be sub
jeet to seizure along with the liquor.
The liquor is TO b. destroyed and the
vehicle. or conveyance, sold by the
court the proceeds. after deduction for
expenses Of the sale clc and liens
upon The property, to be paid into the
Federal Treasury.
intoxicating liquor in an amount not
to exceed pint per person for each
ten days may be sold by druggists on
prescription. but such pre-
scripti0ns may be used only once, and
records are required 10 be
kept of all such transactions Wines
for sacramenlal or other religious pur-
poses may be sold only to a rabbi,
priest or other minister or 10 a prop
erly authorized officer Of a church
Adequate provisions are made for the
continued production, under strict
regulations Of The following
Industrial alcohol
Toilet medicinal and antiseptie prep
irations and solutions unit for bever-
lge PURPOSES
Medicinal preparations manufactured |
n accordance with formulas prescibed |
~ the United states pharmacopoela. /
rational formulary or the American IN /
4Hute Of Homeopathy that are unfit for
leverage Purposes
Patented patent and proprietary med
eines That are unit for beverage pur-
loses
flavoring extracts and sirups that are
Evening journal., 1919-10-02

unit for beverage purposes or for in
toXiealing beverage purposes.
Vinegar and preserved sweet cider.
Whisky and other distilled spirits
manufactured before The prohibition
laws became effective and now in bond
cd warehouses may be Withdrawn for
denaturalion.
Any room, house, building, boat, ve-
hicle structure or place Of any kind
where intoxicating liquor is sold. nan-
uiactured, kept for sale or bariered IN
violation Of the law is 10 be declared
common nuisance.
Penalty is FIXED.
The penalty clause Of The act as
agreed upon by the conferees reads
'Any person who manufactures or sells
liquor in violation Of thisSlitle shall.
FOR a first offense, he fined moi more
lhan 1000 or imprisoned not exceeding
six months, and for a second or subse-
quent offense shall be fined not less
than 5000 Or more Than $1,000 and be
imprisoned not less than one month
nor more than FIVE years"
No person would be excused from
testifying even though such testimony
would be self-incriminating
Enforcement Of the law is vested
jointly in the attorney general Of The
United states and the commissioner Of
Internal revenues and an appropriation
Of S2,0O0,000 provided for the necessary
administrative machinery
The provision safeguarding the fam
Evening journal., 1919-10-02
Do AWAY WITH
INDIGESTION

How TO Purify sour. Distressed Stomach
In Few Minutes.
Let us talk plain English; let as call a
spade a spade
Your food fcrments and your stomach
isn't strong enough TO digest the food YOU
PUT into IL. SO the food sours and forms
poisonous gases and when IL does leave
your stomach IL has not furnished proper
nourishment 10 the blood. and has left the
stomach 10 filthy condition
Take Mi-o-na stomach tablets II you
want 70 change your hlthy stomach 20 q
healthy, clean, purified one
II Mi.o-na fails TO relieve your indiges-
tion, rid YOU Of dizziness. biliousness and
sick hea dache your dealer will cheerfully
refund your money
II you want to make your stomach so
strong that IL will digest a hearty meal
without distress and you want TO be with
ont that drowsy. all-tired-out feeling take
Mi.o-na; Il should give you prompt relief
For sale by \. b. Danforth aud all leading
druggists.
Evening journal., 1919-10-02
DRY ENFORCEMENT
ACT DECIDED ON.
More Than One-Hel. lone
Per Cent OF Alcohol
Barred
RIGHT OF SEARCH
WILL BE DENIED

WASHINGTON, Oct. 2-The form in
Which the enforcement legislation for
both wartime and constitutional prohi-
bition undoubtedly WIN become a
federal statute was agreed upon yes
terday by The c6nfcrees Of the Senate
and House, who have been considering
the bills. as passed by the two bodies.
Tor several weeks.
The bill, as recommended TO the two
houses for final acti0n5 follows in its
essential provisions the measure passed
Hthe senate, most Of the drastic sec
.ia'* Of the House bill having been lib
rallied.
NJ limit is placed upon The quantity
9f liquor a man may have In his own
iwclline and liquors may be served TO
sona Ode guests when entertained in
.he possessor's home. but the burden
ct paoof shall be upon the possessor in
any action concerning the same 10
prove that such liquor was lawfully
acquired possessed and used
IN both wartime aud constitutional
prohibition intoxicating liquor IS de-
fined as any containing IN excess Of one
hall of I per cent. Of alcohol by volume.
The restrictions against manufacture
- intoxicating liquor do not apply to
wine beer, ale or porter which con
tain q higher volume OF alcohol when
produced. but which must be deal
coholized 10 not more Than one-half OF
I per cent. before being released for
fpr consumption
Hinht OF Search Denied.
The right Of search and seizure in
private dwellings is denied through a
provision That no search warrant shall
issue to search any private dwelling
occupied as such unless it is being used
for the unlawful sale Of intoxicating
liquor or unless It is part used for
some business purpose as a store, shop
saloop, restaurant, hotel or boarding
Aouse.
The term private dwelling" shall
bs construed 10 include "the room or |
rooms used and occupied not transient /
iS. but solely as a residence in an apart (
ment house, hotel or boarding house.
? After February 4, 1920 it shall be
unlawful to have liquor stored else
sshere than in the possessor's own
dsSelling and the possession Of such
stoea IS to be considered prima facle
evidence that it is being kept for the
purpose Of being sold, baitered, ex-
given away. furnished or +
otherwise disposed Of In violation OF
law.
Il will be unlawful ito advertise.
sell or possess for sale
any ntensil, contrivance, machine. pre-
paraiion, compound, table, substance,
Evening journal., 1919-10-02

ily wine-cellar OF HE converted clothes
closet, but sounding the doom Of any
private stock stored elsewhere than
in the possessors dwelling, follows::
After February /, 1920, the posses
sion Of lidu0rs by any person not leg
ally permitted under this title TO pos
sess liquor shall be prima facie evil
dence that such liquor is kept for the
purpose Of being sold, bartered, ex-
changed, given away. furnished or
otherwise disposed Of in violation Of
the provision Of this title Every per-
son legally permitted under this title to
have liquor shall report to the com
missioner within ten days after the date
when the eighteenth amendment to the
Constitution Of the United states goes
into effect the kind and amount Of in
Evening journal., 1919-10-02

toxicating liquors in his possession. But
II shall not be unlawful TO possess
liquors in ones private dwelling while
The same is occupied and used by him
Continued on Page Eleven.
Evening journal., 1919-10-02
OWNERS OF AUTOMOBILES
Speedoline
You Need 1t

A preparation that is guar
anteed TO run an auto on one
fourth gasoline and keep
your car clear of carbon on
a reward of one hundred
dollars that it will make
good. The wise autoiSt is
using it; eventually you will,
why not now?
The Washington times., 1919-03-27
GIRLS, RUN down,
PRESS CHARGE

After having been at the Eme rgency
Hospital for more than seven weeks
recoFing from injuries received when
knocked down by an automobile at
Scott Circle, Sixteenth street and
Massachusetts avenue northwest,
two young women war workers to-
day for the first time were able to
appear in Police Court to press .
charge Of colliding against the driver
of the machine
The two injured girls are Miss
Edna Reiter. 1922 Sixth street north
west, who suffered internal injuries;
and Miss Catherine McInerey, 1901
n street northwest. who suffered a
cOncussion of the brain. Miss Anna
X. Thomson, $40 East Capitol street,
who was in company with Misses
lieiter and McInerey was also hit by
the automobile, but was only slightly
injured.
4 Judge Mcmahon fined Hammond $40
with the alternative OF spending so
days in Jail He paid Tbe fine.