davidaulloa/AmericanStories huggingface dataset:
The Logan Republican. [volume] (Logan, Utah) 1902-1924, 1921-03-10
HAZARDS AND INSUR-
ANCE RATES

The general public 'is not sum
GENTLY familiar with the principles
of fire insurance. Because the busi-
ness of fire insurance is complicated
and not understood It is subjected to
many unjust and uncaiied for attacks
Commenting on legislative inter
ference with the insurance Industry
and attempts to have insurance com
missioners make or regulate rates,
q prominent San Francisco insurance
man says:
The community makes the haa
ards; the hazard makes the rate.
Rate Is the cost OF indemnity. Rates
vary with the hazard of different
classes of property.
The law OF the state provides that
a fire insurance company must. from
premiums, pay losses and expenses.
and must carry over at the end of
the year so per cent OF all premiums
received for annual risks during the
calendar year.
THE rate, the cost of indemnity
is made UP from the hazard of the
risk assumed. plus the expenses and
reserve required by law as above.
Risks are classified by the under
writer and an account Is kept with
each class.
"If the premium be greater thar
the total of losses. expenses and re
serve. the insurance commissioner
will pronounce a company insolvent
1.-THE prudent underwater com
Ipares his own experience with thai
of his fellow underwriters, estimates
1.-The rate for the future on the exper
hence of the past. and adds a per
centage for accidents that ought no
to happen. but which frequently dc
Fire insurance rates are reduces
by improving buildings and fire dc
lpartments, decreasing the moral ha7
ard and lessening expenses.
The moral hazard is increased b
valued policy laws over insuranc
i and the certainty that courts an
+ juries will assist the incendiary
collect his insurance.
Expenses are Increased by III
y friendly legislation and by unnece
/ sary and costly supervision.
THE conditions that make up Il
y price OF indemnity can be chang'
o by neither the fiat of the insuran'
y commissioner. the companies nor q
insured.
q III rates charged by the compani
e are too high. Legitimate competitiC
d will bring about reduction.
" The seeker for Information &
,r gardlng the profits on fire unde
writing can learn much by interyie'
& Ing men. leaders In the councils
Is finance. commerce and affairs
d state, who have invested their mon
=. in any one of the many hundreds
b; fire insurance companies that ha
~ failed under present existing con,
>. lions"
The Logan Republican. [volume] (Logan, Utah) 1902-1924, 1921-03-10
Concentration Wins.

The weakest living creature, by con.
ccntratIng his powers on a single OBJ
iect. can accomplish something: the
strongest, by dispensing his over many
may run to accomplish anything
f'artvlo Ere
The Logan Republican. [volume] (Logan, Utah) 1902-1924, 1921-03-10
NOTICE

VIII sell or lease with option to buy my Blue Creek
Farm comprising 1900 in different enclosures
follows:
No $50 acres farm land q 400 acres pasture land
No 2--S25 acres farm land S67 acres pasture land
No $50 acres farm land ca acres pasture land
No A. a acres alfalfa land with water right.
or will sell or lease with option to buy either en-
closure listed above II interested telephone or write
LORENZO HANSEN, Logan, Utah
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01
Harvey Hindermeyer and
Damn Sisters Trio Coming
Will Appear at School Auditorium or
Monday observation-disclosures
Very High Classed

A very unique recital is to be pre-
sented on Monday evening, Sept. 18th
at the Junior high school auditorium
by the popular Tenor, Mr.. Harvey
Hindermeyer, and the Damn Sisters.
Mr.. Hindermeyer is one of the most
enjoyable Tenors in the concert and
recreation field today. He has sung
at the principal musical festivals of
the country and the press and public
have been unanimous in their praise
of his glorious voice and wonderful
art.
The Damn Sisters are three New
England young ladies of distinct
musical ability. They have appeared
in numerous concerts during the past
season with marked success and their
appearance here is anticipated with
a great deal of enthusiasm. They will
present numbers especially arranged
for violin, piano and cornet.
Admittance to the recital will be by
card only. Cards may be- secured
upon application to H. R. Halverson
& company, Sank Centre.
The Board of Education has ar
ranged to have this recital in the
Junior high school auditorium in or
der that a larger number of people
may avail themselves of this unusual
treat. Remember it is absolutely
free of charge. III ~ -
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01
Wednesday to be Farm
Bureau Day at Fair
President of National Federation on
Tour of MinnesOta-3 Sessions
Are Planned. .r-.

Wednesday, September Z, will be
Farm Bureau Day at the state fair
according to a letter received by Of
ficers of the county bureau from the
headquarters of the state federation
James R. Howard, president of the
American Farm Bureau federation
and Senator Arthur Capper of Kan
sas have been invited to address a
mass meeting of farm bureau men,
bers in the afternoon. Other speak
ers will review the work of the farm
bureau in cooperative marketing and
legislation. The mass meeting will
be conducted in the livestock hip
podrome, beginning at IL noon, so
that farmers will be able to attend
the meeting without missing the live
stock Judging or races.
Two other important farm bureau
conferences are to take place in state
fair week. On Thursday, Sept. s.
the directors of the Minnesota Farm
Bureau federation, representing all
county farm bureaus which are mem
bers of the state organization, will
meet in the agricultural building for
an all day business session. On Fri
day, a joint committee of farmers and
bankers will meet at state headquar-
ters of the federation, in the Old
Capitol, St. Paul, to discuss organ
ization of an agricultural finance cor
poration to provide additional credit
for producing and marketing Mime
sofa crops.
These three meetings, farm bureau
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01
: IN THE MOVIE WORLD

Elmo Lincoln. motion picture star
who has challenged Jack Dempsey to
a finish fight, will close fair week,
Friday and Saturday evenings in
"Under Crimson Skies" This is a
Universal red blooded drama of
strong mans passions and woman's
pure love. Lincoln will be remem-
bered as the star in "Tarzan of the
pes"
In "Silk Hosiery the bill for Sun
day evening, Sept. A, the star, Enid
Bennett, scores a personal triumph.
1t is one of the best turned out by
Paramount for many months. "Silk
Hosiery" provides a feast for the
eye and will thrill feminine hearts
with it's flutter of laces and feathers.
Snappy realcraft comedy.
Couples who have outgrown the
happy honeymoon stage will live
again when they see Bryant Wash
burn in "a Full House," at the
Caughren Monday and Tuesday OF
next week. This is not a poker story
as its name might indicate. 1t is a
mix-up causing continuous laughter.
There will be two reel Jiggs comedy
Bringing Up Father"
-
If you believe that witchcraft died
with the Salem burnings you will have
your eyes opened by Ethel Clayton's
latest picture, "The Sins of Rosanne, :
coming to the Caughren Wednesday
and Thursday of next week. The
comedy will be Sunshine two reeler,
'"The Dog Gone Wedding"
For the week beginning Sept. 18th
Manager Parker has program OF
unusual excellence, as follows: Sun
day, "Blind Wives" with an all star
cast; Monday and Tuesday, "The Sky
wayman," in the filming of which
Daredevil Locklear was killed; We'd
nesday and Thursday, "Skirts," a
rollicking farce comedy; Friday and
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01

FOR SALE-S0 acre improved
farm in Southern Cass County, Min
nesota, one half mile from Oshawa
store, postoffice and creamery. Store
7 miles west of Backus. In well set
tied neighborhood, mostly Germans.
Lays 160 rods along road. Clay sandy
soil, clay subsoil, some stone, gently
rolling to level. Good cottage house,
small barn, hay shed, chicken house,
good we'll. so acres all cleared ex-
cept some brush. 20 acres under cul-
tivation, some fencing. Section of
free range for stock. Land covered
with dark growth of pea vines, wild
grasses, feed and forage for stock.
Fine stock dairy and fruit farm.
Price $50. so per acre. $1,000 down,
balance on terms to suit at per cent.
Write to owner, R. B. Willard, Lit
tie Falls, Minnesota. 14-15
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01

closing October LIST. The bag limit
for single day is nine birds and
not over Is can be shot during the
season. The open season on ducks
and geese is from September Is to
Dec. 81. The bag limit per day is
fifteen ducks and five geese, with the
season limit as ducks and 5 geese.
Quail may be shot between October
Is and November 80, with the bag
limit to ten for one day and 80 fol
the season. cartridges cannot be
shot this year. Squirrels and snow
shoe rabbits can be hunted after Oct
18th. The open season for deer is
between November 10 and 20.
Licenses are on sale at the county
auditors office, and the fee this
year is $1.00. Non-residents who
desire to hunt in the state must get
their licenses from the state game
commissioner.
The game law regarding the prair-
lie chicken season and the use of dogs
is as follows:
Mourning dove, prairie chicken or
pinnated grouse, white breasted or
sharp-tailed grouse, and upland prov
er may be taken or possessed be-
tween September 10th and October 1,
following, both inclusive, and wood
cock may be taken or possessed be-
tween October 1st and November 80,
both inclusive. No mourning dove
shall be killed or taken or had in pos
session prior to September 16, 1921,
and no upland plover prior to Sept.
1, 1926, no prairie chicken or sharp
tailed grouse shall be taken or killed
or had in possession prior to Sept.
Is, 1921, and thereafter may be taken
only in odd numbered years.
"LIMIT-A person may take dur
ing the open season not to exceed 9
mourning doves, prairie chicken or
pinnated grouse, white breasted or
sharp-tailed grouse, woodcock, or up
land plover, in the aggregate of all
kinds in one day.
No person shall take more than 80
of the game birds enumerated in this
section, in the aggregate of all kinds
in amp one open season, and no per-
son shall take more than 10 prairie
chickens, or sharp-tailed grouse in
any one open season. -
BIRD DOGS - HUNTING AND
TRAINING-Game birds may be
taken during the open season with
the aid of dogs. The owner or train
er of dog may take same afield
for the purpose of training said dog
from September to September 18th
following, both inclusive, provided
such owner or trainer shall carry no
firearms and that no injury be in
f1icted upon any game birds or quad
rupeds contrary to law. The use or
training of dogs between December 1
and August 31st following, both in
elusive, in fields inhabited or fire.
quented by game birds is prohibited.
Any dog so used is hereby declared
to be a public nuisance and may be
summarily killed by any person.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01

officers say, will mark the culmina-
ton of a year in which the farm bur-
eau in Minnesota has grown from 12,-
900 members to more than $4,000.
The state farm bureau will have
an office in the main agricultural
building on the state fair grounds all
week, according to word received by
the county bureau.
President Howard is now on a tour
of southern and central Minnesota,
speaking at series of county fairs
He was scheduled to speak at the
Steele county fair at Owatonna on
August 81, and at the Traverse coun-
ty fair at Browns Valley on Sept. l..
The Stearns county fair at Sank Cen
TIE Sept. 2 is the last of this tour.
Mr.. Howard is going from Sank Cen
tire to Des Moines, and is expected to
return to address the farm bureau
mass meeting at the state fair ground
on Sept. 7.
Mr.. Howard is serving his second
term as president of the American
Farm Bureau federation, which now
numbers a million and quarter far
mers in At states of the union. Sen
ator Capper is one of the outstanding
figures in the fight for legislation to
improve agricultural conditions. In
case either Mr.. Howard or Senator
Capper is unable to come, John G..
Brown, president of the Indiana Farm
Bureau federation, and one Of the III
rectors of the American federation,
probably will speak.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01
Farmers Business
Biggest on Market
New Cooperative Livestock Sales
Agency Sets Record in First
Two Weeks.

South St. Paul, Aug. 31-The Cen
trail Cooperative Commission assoc
iation, organized by Minnesota far
mers to market their livestock, hand
led more business than any other COM
pany on the market here in it's first
two weeks of operation.
Records of the state railroad and
warehouse commission show that in
these two weeks, the farmer-owned
company handled 11,7SS head of live
stock; it's nearest competitor handled
6,S47 head. Total receipts on the
market, during the second week in
which the farmer company operated,
amounted to $3.50 head; the COOP
erative agency handled 1908. There
are more than 80 firms on the market.
W. A. McKerrow, manager, esti-
mates that the new agency in hand
ling 5 percent of the stock shipped
in comparatively by farmers in Min
nesota and Wisconsin. Stock also is
arriving from South Dakota, consign-
ed to the farmers firm; three South
Dakota shipping associations joined
the Minnesota firm last week without
solicitation, according to farm bur-
eau officers.
The farmer-owned company is act
ing as the direct agent of farmers in
several states in stocker and feeder
trade, Mr.. McKerrow said. During
its second week of business, it ship
ped 20 carloads of cattle from Min
nesota farmers to other farms in this
state, and also in Iowa, Illinois and
Wisconsin
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01
kinu of Standards,

Probably the most elaborate sign.
board ever exhibited was that of the
White Hart at Scole, Norfolk. Sill
Thomas Browne, in 1868, described il
as the modest signpost in England
about and upon which are carved a
great many stories as of Charlton and
Cerberus, Actacon and Diana, and
many Others" This king of sign
boards was erected in 1855, and is
said to have cost over f1,OO0. 1t was
In existence up till the end of the
Eighteenth century, and possibly may
still be preserved somewhere or other.
London Chronicle.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01

MEN WANTED-To sell groceries,
selling experience not necessary. One
of the Worlds largest wholesale gro
Gerry houses, Capital over $1,O0O,00O)
wants ambitious men in your locality
to sell direct to consumer nationally
known brands of an extensive line of
groceries, paints, roofings, lubricat-
ing oils, stock foods, etc. No capital
required. Commissions Advanced.
Write today. State age and county de-
sired. John Sexton & Co., 352 W..
Illinois St.. Chicago, lila pd
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01

FOR SALE-One Peerless Garland
hard coal burner 20 in. fire place; one
Moores Hard coal burner, Is inch fire
place. Both these stoves are self
feeders and in first class condition.
One 16 inch, hard coal heater, base
burner. Two wood stoves. Commercial
Hotel. 14-15
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01
Saturday, Viola Dana in the aB1ack-

Saturday, Viola Dana in the "Biack-
mailer.
Member Wallie Reid in "The Roar
in Road?" Well, you will see him
at the Caughren Friday and Saturday
of next week in sequel to this thdill-
ing picture. Excuse My Dust,' is
the picture" and is filmed from a
Saturday Evening Post story. It has
a punch and laugh in every foot. A
Mutt and jeff cartoon comedy.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01
New Hunting Laws
Published flor Nimrods
Laws Show Some Changes Over Last
Season-Prairie Chicken Sea-
son Only IA Days

By act of the Legislature, last fall,
an open season on prairie chickens
was provided for fourteen days this
fall, beginning September 16 and
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01

LOST-Blue coat, between N. P.
railroad track and bridge, Sunday
evening. Leave with owner, Mrs.
Chas. Brown or at Herald office. ID
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01

GOOD SQUARE PIANO for sale;
in good condition; price is right; ex-
cellent instrument. Inquire at Her.
aid. 13-tf
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01

FOR SALE-I have installed steam
heat in my hotel and will now offer
all my stoves, and one hot air furnace
for sale cheap, as l have no use for
them any more. Commercial Hotel
14-15
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01

FOR RENT-Seven room house;
located near Erwin elevator. VIII be
ready for occupancy by Sept. 18th.
Lights and water. Mrs. Hattie
Doyle. ID If
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01

FOR SALE--My residence proper
ty on Third street. Reasonable price.
Mrs. E Cordell. loft
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01

FOR RENT-One modern 8 room
house; one room house. M. P.
Stadtherr. 14-15
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01

FOR SALE-Radiant Estate hard
coal burner, 16-in fire pot; inquire of
Mrs. Chas. Brown near Great North
ern depot. 1915
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01

| FOR RENT-320 acre farm s miles
from Sank Centre, inquire at Stein
bauer's feed barn. lib pd
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01

YALE SINGLE MOTORCYCLE
for sale; we'll equipped; good tires,
one new; good headlight, cheap for
cash. Inquire at Herald. 13-tf.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01
FOR RENT-Six room house. See
Mrs. o. Wheeler. 12tf

WANTED Waitress, at the Hotel
Waldorf; also girl to do second cook
ing. IL If
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01

FOR RENT or A rooms for light
housekeeping Peter Gaspard. - If
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1921-09-01

FOR SALE-A brown reed baby
carriage. Inquire at Herald. IA pd
The Wheeling intelligencer. [volume] (Wheeling, W. Va.) 1903-1961, 1921-12-20

first having been given plrth IN I'm.
ago hospital about two ana one MAX
Years HE".
The state rested It's case late fridh!:
The defense Called but ono wiinesb anu
the enc wen, to tho jury shortly after
ten u'rlork TINT night.
The Wheeling intelligencer. [volume] (Wheeling, W. Va.) 1903-1961, 1921-12-20

Avery arnr"rla'" r'' oct '"' ''''"'
INNS vuuId Ice. S,h'"" N''IA l''''N
,rupprI G"ud ~ 800 I;a''n
The Wheeling intelligencer. [volume] (Wheeling, W. Va.) 1903-1961, 1921-12-20
was Second Child

TINT tho chiId her Muth"r wls charged
with shaving WINS her second born. III"
New-York tribune., 1921-11-18
Maintaining the Hospitals

The report Of the United Hospital
Fund is an inspiring document,
showing the magnitude Of the hos
pital work Of New York and sum-
moning all to further service by it's
revelation Of pecuniary needs. The
fund benefits the great majority of
the city's hospitals-all the non
municipal hospitals which maintain
not less than thirty-five ward-beds
and give at least 5000 days of free
service a year without regard to
race, creed or color.
Fifty institutions last wear
cared for 1852 patients for an
average of about sixteen days each
and treated 628,732 outside pa
tients. In the work more than a ,0oo
nurses were employed and 5000
other attendants. In attendance
were 4,457 physicians and surgeons
who cared for the ward patients and
dispensary cases practically free of
charge.
The total operating cost was $14,-
836.466. ignoring the cost of car.
ing for the 628,732 outside patient.
and assuming the expenditure all te
New-York tribune., 1921-11-18

have been devoted to caring for the
house patients, the expense was
something less than SIS day each. If
small room in a hotel, plus food,
costs SIS q day or more, it does not
seem extravagant that it should cost
as much to take care Of hospital
patient, with specially prepared
meals, medical attendance and the
constant services Of trained nurses
The perennial appeals Of the hos
pitfalls for aid thus are supported by
a record Of wonderful efficiency
New York does far more hos
pital work than any other city
in proportion to it's size, because
it is the great center of med
ical and surgical education and be-
cause of the number of visitors who
flock hither to avail themselves Of
it's facilities. But the honor earned
is proportionate to the burden car
ried. The city may we'll be proud
that nowhere on earth is there a
community with so generous a
people. Riches seem too unevenly
distributed, but let no one forget
the offsetting fact that in no COM
munity has the House of Have so
keen sense Of trusteeship as in
Little Old New York.
New-York tribune., 1921-11-18
Ships as Schools
Editor of The Tribune

To the Editor of The Tribune.
Sir: In your issue of November Il
Franklin Brooks commends the pr-
posal to use the idle feet Of wooden
steamships as schools, overlooking ths
fact that the cost of labor and material
required for the conversion of these
vessels into suitable schoolrooms would
be prohibitive in comparison to the an
ticipated benefits.
The ships are not adapted for school
rooms, and are not comparable with q
frigate CT corvette of the old navy Or
merchant marine ships. 1t Ia my be-
lief that my suggestion of dry land
training ships for boys from fourteen
to sixteen years old would give grestsr
results for the expense involved and
provide a continuous supply Of re-
placements; also obyiate the use Of FOR
eign seamen on American vessels. Five
of these stations would suffice. One
each in Portland, Ore; San Francisco,
Chicago, Portland, Me-, and New YORK
City, all under joint control of the
various boards of education and the
United States Shipping Board
JAMES FORMAN Sr.
Passaic, N. j., Nov. 16, 1891.
New-York tribune., 1921-11-18

To the Editor of The Tribune
Sir: I suppose the writer Of the
Youngstown, Ohio, dispatch in your
issue of November 10, headed ELECTED
Mayor on Pledge He'll Permit Spoon
ing in Public" intended the article to
be facetious. George L. Oles's friends,
however, fail to appreciate the joke.
wish to state that for two weeks
in October, during Mr.. Oles's campaign
for Mayor, heard him speak almost
daily on every subject relative to the
political issue in that city. To my GER
tain knowledge, Mr.. Oles's sole refer
ence to the parks was confined to the
statement that in case the city chari-
ties did not need the whole of his
salary he would use it to furnish mu-
sic for the public parks. Every other
statement in the article except the one
that he had promised If elected to turn
over his salary to charity is distorted.
AS for Mr.. Oles being the type Of man
''who rushes on and off STAGE" we'll,
he is the exact opposite of the picture
drawn of him. He is quiet. unas-
suming man who thinks twice before
he speaks once. | have read The New
York Tribune all my life and my father
before me, and l feel keenly disap-
pointed that you should allow such an
article to appear in your paper.
ALICE RICHARDS AVERY.
Lynn Haven, Fla, Nov. 10, 1921.