davidaulloa/AmericanStories huggingface dataset:
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09

I to secure the benefits of insurance by
a short cut is naturally discounte-
nanced. A man or woman may pro-
vide against an emergency. but may
not gamble with human life. A woman
in whom there is no insurable inter.
est may seek insurance protection
without any desire to get something
to which her earning capacity or her
physical condition does not entitle her.
She may do this out of love CT family,
with no thought Of false pretence.
But 1t is the company's duty to sit:
the facts as the examiner finds them.
and apply them meticulously to the
requirements and regulations.
Success 10 Factor
Material success of an applicant IS
something in which the insurance
company is keenly interested at all
times. A policy holder can be the
biggest asset to his dependents. the
company and society generally only
If he Is business success. Following
out this line of sound reasoning, Phoe-
nix Mutual Life Insurance Company
has developed some highly illuminat-,
ing success data.
1.-THE married man has the best
chance to succeed" says the Phoenix.
Among every hundred married men
whose records we examined, fifty-nine
had advanced Sc steadily that success
was stamped upon their careers.
Forty-one had failed to measure up to-
the standard. Among single men, how
ever. failures overbalanced successes,
fifty-one showing records that were
mediocre or worse, while forty-nine
had succeeded"
What about children? Be 1t known
that two or more dependents increase
the success ratio to sixty-three out of
every hundred.
Age OF Achievement
Are you worrying because you have
passed your thirtieth year without
hanging up any records? Take com.
fort from the fact that the chances
Of your success between 80 and 50
are about sixty-four out Of q hun.
dred, as compared with only forty.nine
for the youngster Of %.
Do you own your home? II so.
your success ratio Is sixty-three out
of a hundred. as compared with only
fifty.two when you boarded or rented.
Membership in one or more lodges
or business organizations is another
point in your favor-and so on down
a long list of considerations that may
appear Insignificant to you, but in the
aggregate add enormously to your
score as a success in life.
The insurance company knows. be.
yond question, that the good do not
die young. The association of hoary
locks and halos has been indicated.
II you don't believe it, ask the medi.
cal examiner. ....
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09

I loss through the death of an indi-
vidual, insurable interest attaches to
that individual. In the final analysis,
insurable interest is a matter Of hui
man life value translated into terms
Of life expectancy. A woman is &C
ceptable for life insurance on the
same premium rates as a man. But
the question of insurable interest be-
comes more important in her case.
When the yardstick Of earning capac-
ity is applied to the woman. in the
same manner as to a man, insurable
interest is often found not to exist at
all. Has she private financial means?
Does she actually earn money? Does
she contribute financially to the sup
port Of family. mother, or some
other relative? Are there those who
would lose financially, either imme-
diately or eventually, If she were sud-
denly removed by death?
Examination Difficulties
It is easier for a woman to con.
ceal a serious impairment than for
man to do So Examination of a wom-
an presents more difficulties than does
that of man. The woman is not
apt to be as frank with the examiner
as a man would be under the same
circumstances. She seldom feels that
confidence in the examining physician
that she does in her own doctor. even
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09

red fire will be furnished to make
this spectacular affair.
Free admission to the rink will be
allowed the marchers.
Fancy Skating Contest
At the rink on Wednesday evening
there will be general skating and the
feature of the evening will be a con-
test in fancy skating between several
couples who have entered These
couples have been doing some hard
rehearsing and much rivaly will
make the contest interesting. The
Ticonic National Bank has offered
gold prizes to the winning couple.
Thursday Evening
The fun will continue through
Thursday evening. for those who
wish to skate or tobosgan, the rink
will be open and those who go there
will be amused with Il radio concert.
and will see once mole the Misses
Carlisle and Petersen in their novelty
skating acts.
The Carnival Ball
Those who enjoy dancing will find
others of similar mind at the Ameri-
can Legion hall on Silver street.
where the carnival bali will open at
Q o'clock. Mrs. Helen Einsmore is
chairman Oh tile dance committee ana
will be assisted by Mrs. l. A. dArgey
and Mrs. Clair X. Marston. This
committee has had tickets on sale in
advance and by the number already
sold jolly party is assure ed. The
public is invited to thus affair.
Entries to Races
It is requested that those desiring
to enter into the carnival contests
make their entries before Tuesday
night to d. E. Vail, 10 Charles street,
telephone 66S. chairman OF sports
committee, or to George +. Hendricks
general carnival chairman, II Union
street, telephone 505-I
Reduced Railroad Rates
The Maine Central railroad has
granted reduced fares to Waterville
on Feb. IL from all stations between
Orono and Augusta.
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09
Medical Examiners of Insurance COMPANIES
at Work as Life Conservationists,
Explode Ancient Fallacy

your exact physical condition, and. as
Tar az possible, your mental state. In
MS work he must depend upon the ap-
phcant for a great deal OF assistance,
and he usually gets it. The very in
formality Of the procedure is the
greatest aid to the applicant Of hon.
est intentions, and at the same time
anords the most pitfalls for the evad
er VINO seeks to obtain either a real
or fancied advantage Of the insurance
company.
Morals and Health
DR.. Robert Lee Rowley. as medical
director of the Phoenix Mutual Life
Insurance Company, is the chief Of
more than 1,500 medical examiners
employed by the company. The rela
tionship between morals and health
has been one OF his deepest studies.
Morals and habits are tied I'D will
health IN every case," says Dr. Row
| ley. THAT is why the insurance com
panies ask many questions which may
not seem pertinent to the subject in
hand. The examinations are of less
Intimate nature than one might ex
pect. but the very nature Of the ex
aminer's work has made him a keen
Judge OF human nature. p He doesn't
have to ask many OF the questions
one might expect. The system which
has determined to a very small frac
ton the life expectancy OF a struc
tural steel worker has not overlooked
the moral risk, which is often Just as
important as occupation Of the appli
cant. or the state of his health"
Examination Not Ordeal
No one who has never made the
acquaintance Of the medical examiner
life insurance application is likely
to be considered. in prospect, some.
what OF an ordeal. Only those who
have something to conceal and make
a real attempt to- conceal it have any
reason for concern, however. Sup.
pose you smoke several cigars a day.
or despite Mr.. Volstead. indulge in an
occasional appetizer" Such habits
undoubtedly loom larger in your eyes
than in those Of the medical examiner
Your embarrassed admission will
hardly bring a smile from the doctor
unless his examination has disclosed
physical condition in which such
habits are resulting in a real impair.
ment of the system.
What the examiner really wants to
&C. xvk
radically wrong with you-whethel
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09

Tebbetts will give an address at the
rink. welcoming the visitors ana
speaking in behalf of the citizens.
Thursday Holiday
Thursday afternoon will be a gen.
cral holiday for the stores and
schools. The school authorities are
cooperating with the carnival COM
mittee and the children will be al
lowed a respite from their studies
for the afternoon. The Retail
Merchants Association has voted a
half day vacation and other estab-
lishments will close their places.
A competent staff of officials will
handle the contests SO that there
will be no delay and each COMPETE
tor will have a fair opportunity to
show his skill.
Boys and Girls Events
The first events on the program
will be .tdssed by tie boys and girls.
In order 10 allow fair competition,
two classes have been provided,
class A for boys and girls Of the
ages II to Is years. Class B will
include boys and girls of the ages 10
to 10.
At 1 o'clock Wednesday afternoon,
Fat Community Fark, the following
events will ne run OF II each class;
No. 1-Otstacle snowshoe race,
100 yards.
No. 2-ski race. 100 yards.
No. 3-Snowshoe race, 100 yards.
No. 4-Kating race, five laps.
No 5-Skating race, 20 yard
dash.
Those boys and girls who finish
first, second and third in each OF the
trials mentioned above will compete
in the finals at 1890 Thursday after
noon. Badges will be awarded to the
winners in each event.
For the Older Folks
The senior events will be open to
men and women Of this city. Win
slow, Oakland and Fairfield and any
are invited to send in entries.
The program for Thursday after
oon's races follow:
No 1-Otstacle snowshoe race,
100 yards.
No. 2-Fat mans snowshoe race,
100 yards.
No. 3-Ski race. 100 yards.
No. 4-Snowshoa race. 100 yards.
No. 5-Skating race, 20 yards
Special snowshoe race and skating
relay race.
Hockey tame
The hockey game will COME Thurs
I day afternoon at O'Clock and will be
between the Colby second team and
the Notre Dame six.
The Carnival Parade
One event in which all may partf-
cipate is the big carnival parade.
John r. Hill is in charge OF the pa
rade and it is planned TO assemble IN
Castonguay square at $50 and to be-
gin the march to Community park at
Z o'clock. Drew's band will occupy
an electric car to lead the way as
band instruments need protection from
the cold and it was thought better to
adopt this plan rather than to have
the instruments freeze upSand lose
chances Of music.
Mr.. Hill has promised some good
features for the parade. He will have
three snowmobiles ready for business
and invites all boys and girls to catch
hold of the ropes to be provided to
tow ski runners to the Wink.
Some fancy entries are anticipated
for the parade and some comic fea-
lures as well. Plenty Of torches and
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09
Regular Meeting
Of Victor Grange

The regular meeting OF Victor
Grange, Fairfield Center, was held
Saturday afternoon with the Worthy
Lecturer. Mrs. Edith HoXie in the
chair. At noon delicious dinner
was served at the close of which the
routine business Of the Grange was
taken up. 1t was voted that the &c.
rotary. Mrs. Kate +. Ellis. he instruc-
od to forward So to Good Will Farm
to go towards the upkeep Of Grange
cottage there.
the literary program was MS fol
lows: SINGING by all TIE star
Sranglel Banner" reading by Editn
Lacombc; King solomon's Mines:
talk on the years work by Worthy
Master Tolier; reading by Mrs. Ed
ward Kierstead; reading by Mrs.
on Tozier: reading by Mrs. Twist;
song. Back to Maine" by Mrs. Editi
HoXie and Myra Hodges.
The pro and con on the advisa-
l1lity of daylight saving. the in
crease Of the gasoline TAX and whe-
Their it We're more profitable to I'll
huttcr or the cream from Which tn,
butter is made, were heard i'll the
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09
NATIONAL BOYS
p CLUB EXECUTIVE
SPEAKS IN CITY

David Armstrong of Worcester,
Mass, an executive of the National
Boys Clubs of America. was the
speaker at meeting in the City OPP
, era house yesterday afternoon in
! the interest of the Waterville Boys
Club, for which a drive to raise $2J,-
600 is to be started tomorrow.
DR.. II. c. Libby in introducing the
speaker said that nothing had been
done for the boys for the last %
years and that the people are now
in a pretty sick condition as far as
they are concerned. He called Mr..
A rmstrong real physician who
should be able to set Alright the exist
ing conditions.
Mr.. Armstrong told the audience
that he had first come to Waterville
nine months ago, when the club was
an idea in the minds of a few and
, that. upon his return to the city he
had found the club an actually with
an old dwelling transformed into a
wonderful club house with a mem
bership of 600. taking in half of the
boys who are of the proper age to
join.
How much are the boys worth ?"
he asked. Although the estimates
may vary. Mr.. Armstrong. to show
their great worth, told the story of
the formation of the Worcester Boys
Club and the effect that it has had
on boys. Twenty years ago the club
was started with group of % boys,
who met once week for military
training. At one time it's director
was Thomas Fl. Foley, who later be-
came a brigadier general in the
18th division during the World war.
Six of the IS boys who formed the
club died while in the service and,
out of the 400 club members who
took up arms. 40 failed to return
They were prepared for their duty
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09
Roman Soldier Figures in Cruel.
fixion Legend

In the legendary lore of the
church, the soldier who pierced the
side of Christ on the cross with the
spear has been called Longinus.
This man, unfounded tradition said,
was one Of the soldiers appointed to
guard the cross, and was led to be-
come a follower of Christ through
the miracles which attended the
crucifixion. He was also set with
the band who watched the sepulcher
and was the only one who refused to
be bribed by money to say that the
body of Christ had been stolen by
the disciples.
For his fidelity to the truth. PLATE
resolved on his destruction; but for
time Longinus managed to escape.
He left the army to devote himself
to the work of the gospel. but he
did this without getting legal dis
charge from military life.
He and two of his fellow soldiers
retired to Cappadocia. where they
began to preach the gospel. but at
the instigation of the Jews, PLATE
sent after them as deserters, be-
headed them and had their heads
brought back to Jerusalem.
So runs the story which may
have a mistake for it's base. lenginus
being the technical name for a long
spear.
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09
miaportant Legion
Meeting TONIGHT

might every service man in Wa
" !s should attend the meeting OF
veofge N. Bourque Post Of the
f%scan Legion.
- very important subject Of gov
m.t insurance will be ably and
ass' explained by James L..
~ state adjutant, and all service
~. NO are contemplating increasing
= insurance or who do not carry
re given this opportunity to
-. y detail Just what the govern
~ Al do for its veterans in the
q insurance.
entire procedure Of reinstating
= s-time insurance. the monthly
NJ. mo necessity Of physical exami-
VIII be gone into in convinc-
by Mr.. Boyle.
M service officers Of the local post.
ss%ond Rogers and H. C. Marden.
~ udied diligently the provisions
- insurance and will be prepared
Z, any and all questions that
q Use, and also to fill out papers
4ts%se deciding to take advantage
na privilege.
- ssnments will be served at the
NJ. u the meeting and the Legion
- % hll its hall.
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09
FUN FOR ALL IN WATERv|LLE'S
BIG WINTER CARNIVAL FEB. Y

This is the week for Waterville's
days and nights of fun and frolc in
the annual winter carnival. Prelimi-
nary events and big parade are
planned for Wednesday. Feb. IL. and
the real carnival day will be Thurs
dy. Feb. IL.
The Waterville winter carnival is
being. promoted by the Waterville
Community Service and no one is
working any harder for its success
than is its president, A. F. Cyr. Mr..
Cyr is putting in many hours each day
in arranging details, while Mr.. Hen
bricks. chairman of the carnival COM
mittee. and Mr.. Vail. head of the
sports committee. are finding plenty
to do and are doing 1t.
The promoters of the carnival arc
planning for nothing elaborate. The
program, however. will permit the en-
try Of local talent into the events and
there will be plenty Of fun for those
who take part and for those who
watch.
The merchants Of the city have
been very generous and have donated
many articles from their stock to be
used as prizes, and these will be ap-
portioned to the winners of the races.
Competition in the races will be
limited to people residing in Water
willie, Fairfield Oakland and Winslow,
The program has been further divided
so that the boys and girls will have
their competitions and other contests
will be provided for the grown-ups.
. Those who are to be spectators will
find things to be made convenient for
them. The skating rink at Communi-
ty Park will be closed Monday and
Tuesday of this week and no one will
be allowed on the rink until Wednes-
day afternoon. Men will be put at
work preparing the ice SO that 1t will
be at it's best. The field beyond the
rink where the snowshoe and ski
races are to be held will be measured
off and made ready.
The snow banks around the skating
rink will be so built up and levelled
that all spectators will be given a
chance to see all that is going on, and
paths will be cleared around the field
to allow good views Of other races.
Outside Talent
The only outside talent to appear
will be Misses Carlisle and Petersen,
who come from New York and who are
appearing at many New England car
nivals. sThey are fancy skaters and
acrobats and some. people who have
seen them declare that they are a fine
attraction. They make special mention
Of the many fine costumes the young
women wear. and the girls themselves
write that they have the most extern
sive wardrobe of any persons doing
similar work.
These two young women will be
seen at the rink on Thursday. after
noon and evening. ,,.l,Fs
Special Races
Among the special events listed
Is a relay snowshoe race between
five men from the John +. Fill
Company ard five from the Kenne-
bee Boat and Canoe Company. The
rivalry Is great ami this race should
be worth the price of admission.
A four man team of skaters from
the shop of the City Job Print
looking for an opposing team OF four
men from any merchandise establish
ment in the city. If the challenge
is accepted a relay skating race will
be put OH.
Mayor Tebbetts to Speak
AT $50 Thursday afternoon Mayor
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09

pointed question. Neither will he
make deliberate misstatement, as a
general rule. But the examiner fire.
quently has to face evasions and half
truths which increase the difficulties
of both the applicant and company.
The Insurance Viewpoint
Once the applicant gets the life
conservation viewpoint of the med
ical examiner, all difficulties disappear
from the examination" says DR.. Row
ley. THE examiner gets no thrill out
OF turning down an applicant. On the
other hand. il he can discover a de-
feet, and point the way to it's cor
rection, he has done big thing for
the applicant, the company and So
ciety."
''Insurable interest" is the funda-
mental consideration in all life in.
surance. The prime purpose of life
insurance is to assure a continuation
of income produced through the earn
ing capacity of the insured. If there
are those who would suffer financial
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09

friends that he is hard as nails" until
he really believes it, whether his con
dition warrants such belief or not.
But the medical examiner is peculiar
ly equipped to ferret out the danger
signals. 1t is his business to discover
any impairment that makes a poor in,
surance risk.
Life Conservationists
1t is equally his business, in the
case CT an acceptable risk, to offer
such suggestions and advice as will
prolong the life OF the applicant. In
surfing life, to the insurance man,
means prolonging life. The moment
you step into the Office of the medi-
cal examiner for an insurance COM
pany. you place yourself in the hands
Of conservationist, who is paid to
help you live and be healthy for the
greatest possible number of years.
1t is to be expected that the appli-
cant will put his best foot forward.
He wants insurance protection. He
may not actually refuse to answer a
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09
Camel's Great Value

Conditions in central Australia
are said to be more primitive than
those of the rural world during the
time of Abraham. 1t Is a roadless
country traversed only by camel
caravan and yet n land Of great
possibilities. 1t has been the camel
which has held central Australia
the camel first. and then the goat
for its domestic value). and after
that the donkey as fine offsider.
The camel performs wonders In en-
durance and reliability amid big dis
tances. The Importance of the goat
is great in the scheme of things.
There is no family without a goat
herd. Like the camel. it is mar
velous what they live on. Amusing
incidents often occur competed with
the raordinary appetite of the
goat. which, SO far as food Is con-
cerned. has no iastidious hahitA
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09
Recognition of Work Of
Public instruction in Spain

A new building to house the Min
istry of Public Instruction of Spain
was authorized by a decree of King
Alfonso dated October 81, 1924. The
estimated cost will be 3,S90,999 pese-
tas, of which 100000 pesetas will be
applied to the budget for the ..scal
year 1924-25 and the same amount
to the budgets for 1925-26 and 1926
q, respectively: the remainder. $780,
999 pesetas. will be applied to the
fiscal year 1928.
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09

I. o. o. F., will hold their regular
meeting this evening in their hall
The first degree will be worked. Mu-
sic will be furnished by the orches-
be present.-Mrs. Daisy Murray Will
son of Richmond and Miss Hazel
Gibbs of Augusta were guests of
Mrs. Merle Hunt Friday. While in
town they attended the alpha Delta
Pi initiation at the Elmwood In Wat
eryille
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09
49,. y
Alpha Delta ri Holds
Annual Initiation and BANQUET

Alpha, Delta Chapter Of Alpha
Se9a Pi held its annual initiation
~ banquet the evening Of Febru-
The initiates were the Misses
WAC Mae Bunker. Margaret AM
49, Davis. Ruth Elizabeth Hutch
Prndie Rae Moore, Viola May
aiorook. Miriam Ruth Scott. Susie
rAnelmina Stevens, Ruth Nevers
nt.ompson. Alberta LQrene Van
as.ne and Ruth Elizabeth Williams.
me banquet was held Immediate
iouowing initiation at the Elm
80 Hotel. Miss Miriam Hardy,
xas toast mistress; Miss Mildred
-scCain. ~, choragus.
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09

Ths marriage returns of Alton G..
sAenaAce, son Of Mr.. and Mrs. George
=. Of Waterville, and Miss An
uhl 6olange Cyr, daughter Of Mr.. and
- Peter Cyr. also of this city, have
20 dled at the Office OF the city
~ The ceremony was performed
y Rsv. FIR. D. J. Martin Of st. Fran
y u Sales church.
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09
Costs Englishmen Nothing
To Become Dentists

Maintenance allowances, instru-
ments. books, and fees are provided
for qualified persons in the United
Kingdom who wish to study dentis-
try and lack personal means Of doing
SO. This statement was made re-,
Gently at the seventh session OF the
dental board of the United Kingdom
by F. d. Acland, the chairman.
There is, he said, probably no other
profession in the country into which
student qualified to take advantage
of professional training may obtain
entry practically without cost to
himself.-School Life.
Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1925-02-09

spirited discussions Of the meetings.
Mrs. Edith Hoxie, the worthy lee
turer gave a very cntertainin; report
of the lecturers conference which
Was recently held in Waterville.
The next meeting of the Grange
will be held next Saturday and the
program is in charge of Mrs. Helen
and Miss Estelie Holt