davidaulloa/AmericanStories huggingface dataset:
The courier-index., 1920-05-28

All of our enormous stock Of m
sold at half price.
One Lot of Hats
All $500, $3.50 to $500 Hats,
All $500, $500 and $500 Hats.
All 5000 and $1,000 Hats
The courier-index., 1920-05-28
Service

There will be pllen n.
Of ''e experienced, cls e.,
to wait on you. Id. =,
erything is marSSs e
in plain figures =
for yourself.
The Washington herald., 1920-11-16
Public Official Insurance Gives
Large Field for Development for
Risk Company, Official Points Out

When the successful candidate
assumes office and the solicitor de-
livers the bond and gets his com
mission, the transaction Is far too
often considered closed. Public Of
fcial business may be developed
into a practically unceasing source
of revenue, and il advantage be
taken of the unlimited possibilities
anorded the local representative
may pave the way for an enviable
assortment of lines" according to
Louis Hibben, manager public Off
cial department, National Surety
Company.
Bonds of the off1cials deputies ard
repositories are most closely asso-
ciated to public official risks and
most readily and successfully So
licited. The statutes of many States
render such bonds mandatory and
provide for the payment of pre-
MUM from the public funds. Even
where the law is silent regarding
such additional bonds, conservative
underwriters usually require them
since it is obviously inconsistent
for a surety company to assume
liability for faithful performance OF
the officials duties, including the
contingent deputy and depository
hazards, for but one premium.
Closely associated to the official
The Washington herald., 1920-11-16
Uniformity in all Schedules in
Fire Insurance and Kindred Lines
Foreseen by Pacific Coast Official

Further disquisition on the sub
ject of use and occupancy schedule
seems unnecessary as the schedule :s
functioning so satisfactorily and ad-
ed comments regarding rules Of prac-
tice and forms would probably be
redundant" says Elliott Middleton.
manager of the Pacific Actuarial
Bureau.
in so far as schedules, rules of
practice and forms for U and o are
concerned, it is highly gratifying
to observe that there Is measurable
uniformity all over the United States.
Continued application of schedule
and use of uniform rules and forms
is, think, very gratifying to under
writers in general, but what i'm
presses me as being the more signifi-
cant thing is that this is a tangible
evidence Of the growing advisable
ity, IL not necessity. of having uni
formity in all phases of the fire in
surance business. This plan ap-
pears to be foste red by those who
direct the destinies of fire insurance
in this country and l believe that
We will see the time in the not dis
tant future when there will be prac-
tical uniformity in all rating sched-
ules, rules of practice and forms for
all phases of fire insurance and its
collateral lines. / think such a de-
The Washington herald., 1920-11-16
YANKEE MARINE
POLICIES URGED
American Insurance Men
Seek to Keep Ocean Busi-
ness at Home.

One of the most interesting recent
developments in the insurance world
has been the movement to secure
for agency companies doing busi-
ness in this country and their rep
rcsentatives much of the marine
business heretofore exported, and
the fact that the outlook for profit
on this business is not good at the
present time need not detract from
the satisfaction all must feel that
American marine insurance is en-
tering a new era. Much can be
learned from foreign methods of
underwriting marine business and
the exchanges of views which will
accrue must benefit all concerned.
Then there is the important de-
velopment of the entry of a large
group of American companies into
the foreign field, where. of course.
they will receive a cordial welcome
from companies already doing busi-
ness there. The greater the terri
tory over which company can
gather its premiums the less sus-
ceptible to violent fluctuations will
be its average results. so that the
entry of American companies into
foreign fields should be a source of
strength to them as it is to the
foreign companies doing business in
the United States; and as foreign
travel broadens the point of view
of the individual so it may be eX-
pected will underwriting in foreign
countries bring new interests and
new points of view to American
underwriters whose reputation.
courage, ingenuity and business
acumen must insure the success of
this enterprise.
The Washington herald., 1920-11-16
EASY REBUILT
BUILDING BEST
Risks on Such Structure
Better Than One More
Sturdily Built.

"In my opinion 1t would be very
difficult to put in relative sequence
the Importance of the items that go
to make up the grading of a use and
occupancy risk; for the reason that
all the ingredients are weighed in
the balance at the same time" says
Cushman Abbott, general inspector.
Western department, Phoenix Insur-
ance Company.
Business prospects: integrity of
management; financial soundness;
easily replaceable buildings. ma
chinery and stock; protection, includ-
ing automatic sprinklers; the num-
ber Of sources of power are all i'm
portant items. and from an under
writing standpoint the rate to be
obtained Is of no mean value.
"A building that is easily and
quickly rebuilt is a much more de-
sirable use and occupancy subject
than one of more rugged construc-
tion taking a long time to replace;
and following out the same idea,
machinery and raw stock that is
quickly and easily replaced is more
to be desired than special or foreign
made machinery and imported goods.
1t would seem IL attention is paid
TO all of these items there would
be n reasonably good chance that
risk could be properly classified.
The Washington herald., 1920-11-16

yelopment is very essential and be-
lieve that public policy requires L.
Not only are these observations re-
garding uniformity applicable to
the insurance business as such, but
l believe the time will come when
there will be uniformity in connec-
ton with statutes dealing with in
surance as well as with other col
lateral matters, such as standard
blanks for reporting business to in
surance departments, etc.
In the foregoing have d.
gressed somewhat from the subject
of this article. being led afield by
my observations in connection with
the more or less uniform treatment
accorded L and o.
While a long step forward has
been made in the rating and writ
ing of use and occupancy insurance
yet | still feel that Improvement is
possible and believe the time will
come when a more comprehensive
phrase will be used for the present
expression appearing in the STAN
dard form to the effect that the
policy is to indemnify for loss Of
net profits and expenses that must
necessarily continue In my iudg-
ment. the signif canoe of the ad-
jective net is sometimes not ap-
preciated. but what is more impor-
tant. is the matter of expenses that
must necessarily continue"
The Washington herald., 1920-11-16

bond is the necessity for adequate
protection for the cash and securi-
ties so frequently retained by the
official in his Office safe. Particu-
larly in the Far West, such cash
and securities frequently amount to
large sums and. under the laws, the
official is directly responsible for
the safe handling and safeguarding
of this public property.
Fire and Burglary Risk.
Where the community is on prac-
tically a cash basis, or where de-
posits of public funds are guar
antecd by the posting of readily
negotiable securities by the bank,
as collateral, it is incumbent upon
the official to require adequate fire
and burglary insurance including
hold up and messenger robbery.
When the home office underwater,
in his wisdom, deems this essential
the local agent Is Immediately ad-
vised to this effect, but silence on
the part of the home office should
not result in the solicitor overlook
ing the possibility of selling such
insurance.
Advancing a step further-when
the agent has secured the bond of
the court clerk, 1t is possible to cul-
tivate, through this official, a Glen
tele among the local attorneys, re-
sulting in attachment and replevin
bonds, bail bonds and fiduciary
bonds. The clerk of the court may
possibly be himself consulted as to
the most expeditions way of estab-
fishing this service and at least a
friendly basis secured, when deliv-
ering his official bond.
In a like manner 1t Is extremely
probable that theeounty attorney or
mayor, or president of the common
council, or the town or village Sc
iectmen, may have it within their
power to influence the placing of
contract bonds, either construction
or maintenance, franchise and Ii
cepse bonds. In addition to this,
through personal acquaintance and
business affiliations, occasioned by
the necessity of public officials re-
quiring bond, a vast field of fidelity
insurance is accessible to the live
wire"
Bond All Empleyes.
The more prominent public off,
cials have private interests Of their
own, as merchants. bankers, etc.
Having been given preferred service
in securing their public official bond,
what would be easier than to in
terest them in bond covering all
the employees in their department
store, mercantile establishment or
bank7> -
The Washington herald., 1920-11-16
YEAR 1920 ACOOD
ONE IN INSURANCE

Aside from certain industries
which may be regarded as belong
ing to the nonessential. business
thus far in the year 1920 does not
seem to be seriously affected by
the tradition that all Presidential
campaigns are "off years" Political
have had a bearing on
business conditions this year. no
doubt, but the predominating infiu-
ence which has served to check op-
erations in some lines has been
more than anything else what may
be described as financial gas
tronomics or an inability financially
to digest the gorge of business pro-
duced by a greedy appetite for big
operations in face of unprecedented
demands for products of all kinds.
Fire and casualty lines of insur-
ance have been receiving abnormal
volumes of premiums and all of the
varied lines written have shown in
creased activity. There never were
more opportunities for the develop
ment of good. substantial business
on the part of local agents than
there are now. In addition to fire
insurance and the common casualty
lines both branches of the business
have literally created new fields for
their representative to exploit and,
in these. local agents are find
ing possibilities for doubling and
quadrupling their incomes directly
from the customers they already
have won.
An exchange of ideas in the insur-
ance business Is nearly always pro-
Il NfxrA ~
The Washington herald., 1920-11-16
URGEINCREASE
OF INSURANCE
Increased Building Costs
Should Be Covered by
Increased Policies.

The desirability of property own
ers increasing the insurance which
they hold at the present time Is
being impressed by many local
writers of fire insurance. There are
a great many policies expiring or
about to expire at the present time.
and the insurance company repre-
sentatives are undertaking to show
the wiseness of raising the policies
heretofore held.
Building construction costs have
gone up by leaps and bounds dur
ing the past few years, and from
present indications there IS little
likelihood of them coming down TO
prices prevailing when many of the
policies now about to expire were
issued. Therefore. it is pointed out,
those holding such policies should
certainly take steps to protect
themselves to the extent of covering
this Increased cost.
Should fire or other accidental
cause result in the destruction of
a building covered by a policy for
protection at prewar costs. the own
er would find the difference between
the present insurance policy and
the replacement cost of the build
ing very great, it was pointed out.
The Washington herald., 1920-11-16
GAIN POLICIES
BY Big LOSSES
Spectacular Losses Help In
surance by Bringing More
Business.

Insurance companies are in the
business to pay claims when the con-
tingencies against which they obli-
gate themselves to pay indemnity
arise. IL any certain line upon
which insurance is written should
show for an extended period a loss
ratio OF zero, that line would be
forced OF the market. The cheerful
payment Of an honest claim is the
best advertising any line of insurance
can receive, says Rough Notes.
Most companies and agents recog-
nize this and make use of claim
payments to secure more business
of the same character. II the loss
upon which the claim is based Is
a spectacular one that gets news
paper attention, then Ii is possible
TO make the harvest Of new busi-
ness more general.
The Wall Street disaster was con-
spicuously of this type. and. al
though that loss cost insurance
companies, chiefly those writing
plate glass. something over $780,
600, ii is probable that the aggre-
gate volume of new business that
was written by progressive agents
on the strength of the lessons
taught by that calamity was as
great as the big total represented
by the insurance loss. The Wall
Street case was used as an argu-
ment for plate glass insurance, and
especially such coverage for the
windows OF tall buildings above the
ground floor.
Within the past few years there
has been a number Of great explo-
sions in which the destruction OF
plate glass was almost total within
a radius OF several miles from the
scene of the disaster, among these
being notably those of Halifax and
the Black Tom tragedy. The Wall
Street affair was also used to re-
vive interest in riot and civil COM
motion insurance and to spread in
new quarters an appreciation of the
value of explosion insurance. The
payment of losses is the excuse foS
the existence of the insurance busi-
ness, and it's representatives can
best urge its merit at times when
such merit is definitely demonstrat-
ed. This holds good for all lines.
The Washington herald., 1920-11-16

An exchange of ideas in the insur-
ance business is nearly always pro-
ductive of good.
The Washington herald., 1920-11-16
New Business" System Neglected.

today differs greatly from the
agency Of yesterday. improved filing
systems and up-to-date bookkeeping
methods have brought about greater
efficiency in conducting an insurance
business. A close analysis of these
improvements reveals the fact that
they have all been confined to sys-
tematic plans for taking care of the
business on the books. In the great
majority of cases the matter of in
stalling systematic plans to develop
new business has been woefully
neglected.
The Washington herald., 1920-11-16
HIGHER COSTS AID
INSURANCE IDEA in u. S.

The people of the United States
are likely to be better insured in the
future than they ever have been in
the past. As values have increased
during recent years and the chances
for joss have become correspond
ingly greater these matters have
been looked into and more and more
insurance has been purchased. A
great deal is still needed for ade-
quate protection.
The profits of the last few years
have been so great in many lines
of business that those reaping them
could not afford to take the chance
Of their loss through casualty that
might be insured against. hence
many classes of insurance have been
carried to which little attention had
The Washington herald., 1920-11-16
FNKR5N INSURANCE ACTIVITIESJMN
AWeeky Organizations
49, Life A Accident ~

been given previously and this has
educated the public to the need and
benefit of newer forms of insurance.
creating a demand that will prob
ably continue to Increase for all
kinds and classes of indemnity.
Mohave County miner and our mineral wealth., 1920-08-28

MINER WANT ADDS. BRING
 RESULTS " as
Mohave County miner and our mineral wealth., 1920-08-28
It Followed

When Aunt Helen kept company with young lieutenant in the army she prevailed on her ten-year-old nephew to wear a soldier overcoat. The younk lieutenant was succeeded by Boy Scouts Executive, and Bob- by received a Boy Scout uniform which he had to year to please auntie
 But the Boy Scout executive and Aunt Helen have disagreed, and Bob- by has been much interested in know ing who will be his successor in win ming Aunt Helen's attentions. The other day he made a discovery, and came running in the house to tell mother about it.
 "Oh, mother," he began, "you might as we'll get me Prince Albert coat, a white vest and tie. Aunt Helen is beginning to warm up to the minister."-Indianapolis News.
Mohave County miner and our mineral wealth., 1920-08-28

S25,000,00O for the tlscai year ;np June 1, 1921. Ten million dol for forest roads was made avail at the rate of $1,0O0,O00 a year pr July l, 1916. The apportion- ,t of the post-road appropriations he States, after deducting the ad- ;stratfye fund, which must not ex- I per cent, is based upon area, .,lation and mileage of rural de- Wv and star routes in each state. h of these factors has a weight of third
 Federal Activities Broadened.
 oree months after the signing of he armistice the Post-Office ap- Criation bill for 1920 became a law. of the important amendments h it contained provided. that the "rural post roads," as used in ,arlier act, was to be construed to "any public road portion of h is now used or can be used or s a connecting link not to exceed miles in length of any road or now or hereafter used in the ,portation of the United States :" The law also changed lim- n to the effect that the Govern expenditure could not be in ex- of $1O,OOO per mile Exclusive of les of more than 20 feet clear
 by raising the maximum to Do per mile. This Post-Office |priation bill carried an addition propriation of $200 ,000, ,00O for
Mohave County miner and our mineral wealth., 1920-08-28
Bond Market Note

Harry Brandon, who walked into Macy's department store March 27, hung up his hat and elected himself a clerk long enough to get possession of raincoat which a customer had left for alternations, was. sentenced yester in Special Sessions to not less than six months and not more than three years in the penitentiary.
 "I am bond salesman and had to mage a good front" Brandon said when asked if he had anything to say before sentence was passed. "I need ed a new raincoat and I could not afford one at the price asked. The Sun and New York Herald.
Mohave County miner and our mineral wealth., 1920-08-28
Why He Waited

Abraham Washington Jackson Lee, drafted from Alabama, was going through his initiation in the care of horses. The stable sergeant dropped around to see that all his instructions had been obeyed. "Well," he demanded "have' you groomed all the horses?"
 "Yas, suh."
 "Have you cleaned out their hoofs ?" .E..s ....
 "No, suh, kain't do that for while, yit. They've been standin' around on lem all day, and I'se been waitin' all dis time for 'em to lay down."H American Legion Journal.
Mohave County miner and our mineral wealth., 1920-08-28
EIGHTH ANNUAL NORTH
 ERN ARIZONA STATE FAIR IS TO BE BEST EVER
Especial to the ''Mohave County Miner" by G. M. Sparkes)

MlueT Uy WI. SPeSAhSSI
 The Eighth Annual Northern Ari- zona State Fair will be the best held by this Association in the North. 1t has been the aim of the management to build this fair up as an educational institution and in this way they have succeeded. ...
 In all departments of the fair work, the prizes have been materially ln- creased, about one-third of the prem ium money being added to that of the prizes offered in 1919. This is in it. self a big inducement for all exhibi- tors to take part in the fair. .
 Improvements to the grounds will be made insofar as the money at the disposal of the Fair Association will warrant. Estimates are now being made on the cost of laying a cement floor in the Mining and Educational building. This will unable exhibitors to show their products to better ad- vantage.
 A splendid program of entertain ment is being arranged. The racing and track events will be under the supervision of Lester Ruffner. AL ready, many inquiries have been re- ceived from racing strings, desiring to make this fair, and the sports pro- gram will be one to attract some of the best animals from near. and far.
 Copies of the prize list and rules can be had free of charge by address ing the Secretary of the Northern Arizona State Fair Association, Pres colt, Arizona.
Mohave County miner and our mineral wealth., 1920-08-28
Just too Late

Mrs. Kinks( severely)-Henry there is an account in the paper about a business man leaving his wife and running off with pretty typist.
 MT. Kinks-Is there?
 Mrs. Kinks-Yes, there is, and it's the third account of the kind I've seen this week.
 MT. Kinks-All this really doesn't interest me, my dear.
 Mrs. Kinks-It does me, Henry, you have a pretty typist in your office. MT. Kinks-No, we haven't. My partner eloped with her last week. London Telegraph.
Mohave County miner and our mineral wealth., 1920-08-28
The Rattler and the Remedy

"What's the idea of collecting all those garter snakes :"
 q want to make it pleasant for the summer boarders," answered Farmer Corntossel: "Josh and I are going to tie buttons on their tails and turn 'em loose on the lawn. A bite from one of lem won't be at all dangerous, but it ought to bring across doctors prescription for the reguation cure, every time. f-Washington Star.
Mohave County miner and our mineral wealth., 1920-08-28

the construction of Federal-aid roads and S9,000,OO0 additional for the con- struction and maintenance of roads and trails in the national forests.
 All of these Federal funds may be expended only for construction and must not exceed 50 per cent of the value of the roads. In other words, the States either directly or through county or other government units, are required to bear something more than half of the total cost of their road improvement.
 Under the law the Secretary of Az riculture is charged with the admin stration. of the Federal-aid act. He has assigned the details of admin stration to the Chief of the Bureau of Public Roads, branch of the depart ment which is considered to be in closer touch with the highway situ- ation as a whole than any other agency in the United States.
 States. Must Initiate Projects.
 The Federal aid tract requires that road projects for Federal aid be in stalled by the States. As a first step statement is forwarded to the dis trict engineer of the Bureau of Pub lie Roads, announcing in effect that the State proposes to build a piece of road of certain type and length in a certain location. This notice, known as project statement" is ac- companied by an estimate of cost. The project statement is examined by the district engineer to determine whether the projects complies with the Federal-aid road act. If his de- cision is favorable he forwards the statement to the Washington office with his recommendation. There it is examined by the chief engineer and his assistants, and if the latter con- CUTS in the recommendation of the district engineer the project is placed before the Secretary of Agriculture for his approval. Until the Secretary has acted, no further action is taken by the State. Over half of the pro- jects handled are passed by district officers in an average of five days an illustration of the manner in which work can be expedited ever where a large organization and complex pro- cedure are involved.
 Big Mileage Approved.
 Up to June 30, 1920, 2,9S5 projects involving a total of 29,319 miles of road had been approved by the Secre- tary of Agriculture. The preliminary estimate of the cost of these projects is approximately $3S4 100000, of which approximately 16S,S41 ,000 will be approved as Federal aid. On the same date 2,116 projects, represent ing approximately 15,944 miles, had either been completed or were under construction. The estimated total cost of these projects in various stag es of construction and completed is $2OO, 100000. The total cost of Fed eral-aid work approved by the Secre- tary in the 19 months subsequent to the signing of the armistice, and prior to July 1, 1920, which is approxima" tely $330,000,000, exceeded by $69,- 900 900 the cost of all roads and bridge work done by States and coun- ties in this country in 1915. The value of the work completed during that period amounted to $6O,00O, ,OO0, the rate of construction equalling that of the Panama Canal.