smithclay/nortonstories huggingface dataset:
Year: 1870

The meager ratio which the capital
employed in the business bears to the
vast aggregate of wealth which, in the
shape of goods, buildings, factories,
warehouses and ships, is dependent
upon it for replacement il thetevent of
loss by fires, is conclusive that the Sc
curity of the insured does not depend
solely upon the financial guarantees.
The total amount of property now in
sured in the United States is not less
than twice. the sum Of the national
debt, while the total gross assets Of the
companies engaged in the business of
fire fire na underwriting does not exceed $500


The security of theinswed, therefore,
depends not upon this 100000, 600. The
ratio which this hears to the whole
amount insured is so trifiing and insig-
nificant, that if even four per cent. of
the later should be destroyed within
the next twelve months, Bankruptcy
would Overtake every insurance COM
pany in the country, and beggar very
many Of the insured.


It is upon the sufficiency of the pre-
MUM that the security of the insured
entirely depends.


If, therefore risks are taken at less
than an adequate premium, it is done,
not at the risk Of the insurers, but of
the insured. Cheap insurance is a
fraud, and a fraud of the most danger
Gus kind. The applicant may suppose
that, if he can succeed in 0btaiDg a re-
duotion Of the regular rate, it is so much
money in his pocket; the truth is, that
it is SO much and many fold more mo-
ney out of it. The reduction is made,
if made at all at hiseperil. He has
more at stake in the soIVenoy and per-
manency of the company than of its
officers or directors possibly can have.
With them it is but the loss of a single
venture if the company fail with him
it is the loss of all-home, or ware.
house, or business prospects, the dear
ly-bought labor Of a lifetime.


The Insignificant difference upon
which all this depends is matter of as
tonishment. Often il its the difference
between 50 and one per cent, so close
and sharp has been the pressure of COM
petition.


We say, therefore, to the applicant
for fire insurance, money is not your
security, nor good names nor honesty
of purpose Your only security is pru-
dence of management, and adequate
rates. Fire insurance is no more guess
work than merchandising or commerce,
or the simplest operations of mathema-
tics. 1t is founded upon the ascertain
e0 IacCS OF experience, ana IL demands
of you adequate remuneration for the
security which it offers, not as a specu7
lation, but as a necessity; not to en-
rich the management, but to protect
you. If you buy cheap insurance, you
also buy dear experience. The cOmpaN
ny cannot lose by taking your risk, un5
less you are the greater loses, and eve
ry dollar you think to gain by reducing
their income, reduces your chances of
payment in case of loss q hundred fold.
Such are the compensatio11s of fire un-
observation-disclosures Chronicle
Year: 1870

Strasbourg is due to the msmanagement of the Gen.
eral commanding the siege operations. More than
one opportunity for striking blow has been lost
allowed to enter the fortress Great progress has
been made since a change in the management took
place.
Year: 1870

This little sentence should be written
on every heart stamped on every momory.
1t should be the golden rule practiced not
only in every household, but all through
the world. BY helping one another we
not only remove thorns from the pathway.
ard anxiety from the mind, but we feel
a sense of pleasure in cur hearts. knowing
we are doing duty to a fellow creature.


A helping hand or encouraging word is
less to us yet it is benefit to others
Who has not felt the power of a little sem
tence? Who has not needed the encourage
ment and aid of kind friend? How sooth-
ing when perplexed with some task that is
mysterious and burdcnsom, to feel a gen.
tie hand on the shoulder and to hear u
kind voice whispering '.Do not feel dis
couraged, see your troubles-let ME help
you" What strength is inspired, what
hope created, what sweet gratitude is felt,
and the great difficulty dissolved as dew
beneath the sunshine. Yes, let us help
one another, by endeavoring to strengthen
and encourage the weak and lifting the
burden of care from the weary and opprcs-
sed, that life may glide smoothly on and
the fount of bitterness yield sweet waters
and He whose willing hand is ready to
aid us will reward our humble endeavors
and every good deed will be as ''bread
cast upon the waters to return after many
davs," if not to those we love.
Year: 1870

Let the husband be the true and pure
guardian of his family, laboring always to
adorn himself with the gOd-like gems of
wisdom, virtue, and honor let him bear
himself in relation to his wife with gracious
kindnest toward her faults, with grateful
recognition of her merits, with steady SYM
pathv for her trials, with hearty aid for
her better aspirations, and she must be OF
vile stock if she does not reverence him,
and minister unto him with all the graces
and sweetness of her nature.


Let wife, in her whole intercourse
with her husband, try the efficacy of gen
tleness, purity sincerity. scrupulous truth,
and meek and patient forbearance, an in
variable tone and manner of Difference,
and if he is not brute he cannot help
respecting and treating her kindly; and
in nearly all instances he will end by low
ing her, and living happily with her.


But if he is vul gar, and vicious, despotlc
reckless. so as to have no devotion for the
august prizes and incorruptible pleasures
of existence if she is an unappeasable
termagant, or petty worrier, so taken up
with trifing arrogances that wherever she
looks the blue rotunda of the the universe
sinks into housewifery room,' if the pre-
sence of each acts as morbid irritant on
the nerves of the other to the destruction OF
comfort and the lowering of self respect,
and the draining away of peace and
strength, their companionship must infalll-
bly, be companionship in wretchedness
and loss


The banes of domestic life are littleness,
falsity, vulgarity, harshncss, scolding voci-
feration. an incessant issuing ofsupertiuous
prohibitions and orders, which are regar-
ded as iinpertinent interferences with the
general liberty and repose and arc provo
cative of wrangling or exploding resent
ments. The blessed antidotes that sweet
en- and enrich domestic life are refnements
tempers, forbearance from all unnecessary
commands or dictation, and allowance
of mutual freedom. Love makes obedience
lighter than liberty. Man wears a noble
allegiance, not as a collar, but as garland.
The graces are never so lovely, as where
they thus dwell together; they make
heavenly home.
Year: 1870

A GOOD joke was perpetrated the other
day by gentlemen of Manchester, who
was passenger on the train from Boston.
There was some conversation among some
Manchester men on the train in relation
to various churches which were passed on
the route. On nearing the station at lo-
we'll the Jail in that city came in sight,
when some one who did not know its exact
character exclaimed What church is that
Al guess that's close communion church.
said his ncighbor in the next seat, lat
any rate il isn't free-will church"
Year: 1870

NAhOl%GOD k-u1-AN ALL
The autumn night was DER the deep,
The wind blew chill from out the West,
As slow her dear and brown-haired head
Sank down upon my breast.
L bent until the silken hair


Began to mingle with my own,
And murmured tender songs in soft
Mclodious monotone.
Until the blue-veined lids dropped down
Above the eyes L loved so we'll;
And soft as gentlest summer seas
Her bosom rose and fell.
Her little hands Law motionless,


Her budding lips were half apart;
And for her lullaby she had


The beatings of my heart.
And through my arms that clasped her


round,


Ny blood flowed on with steadfast sweep.
The current of my life inclosed


My darling in her sleep.
NY soul grew tranquil and serene,
Although became one silent prayer,
As pure and calm as had been
Her angel watching there.
| felt consecrated pride


In that my power to guard and bless,
And hold her meath that sacred shield
y strong mans tenderness.
And so the holy night waned on,
And morning stars came out above;
And woman trust still slept in smiles.
Upon the heart of love.
Year: 1870

THE heart is the workshop in which arc
forged secret SANDERS, and all manner OF
evil speaking 1he mouth is only tn,
outer shop or ealesroom. where all the
Goods that arc made within are sod.
The tongue is tbs salesman.
Year: 1870

DICK said a certain lawyer to
country man who was considered more
fool than knave, what would you call the
two greatest curiosities in the world?
why. replied Dick, an honest lawyer,
and q river on fire.
Year: 1870

The New York money market was very easy,
yesterday afternoon at to- per cent on call.
There is more disposition 10 discount prime busi-
ness notes, and the street rates are TO N per
cent. The banks were free lenders Of money
yesterday, and they all report a dow of currency
towards New York.
Year: 1870

TIE WALL STREET INVESTIGATING Con-
NITTEE.-General Garfeld's committee to in
quire into the recent gold operations in Wall
Street and ascertain if any Government officials
were concerned therein held a meeting this
morning and'decided to begin taking testimony
in this city, though they will probably visit
New York before concluding their investipa-
tions. They also passed a resolution to summon
witnesses by telegraph and mail where practi-
cable, instead Of sending the Sergeant at Arms
for them.
Year: 1870

CouNTERFKITs OF THE NEW CURRENCY
Three well executed counterfeit fifty cent notes
Of the new issue were detected at the Redemp-
ton Bureau Of the Treasury yesterday, being
the first counterfeits of the new series, and are
we'll calculated to deceive. There are indications
that the employees Of the American and Ma
tional Bank Note Printing Companies, New
York, have had in their employ men In league
with the counterfeiters. 1t Is q well-known fact
that several years since there WAS printed ut
the Treasury Department q fifteen cent note,
which was never issued, for the reason that one
Of the engravers was detected in taking an i'm
preston Of the plates 1t is stated he has
since been in the employ Of the National Bank
Note Company, and although his record was
made known to the officers they retained him.
The face Of the vignette Of Lincoln in the coun-
terfeit differs in some respects from the original,
and the seal is somewhat blurred. The backs Of
the notes are, however, a perfect imitation OF
the genuine.
Year: 1870

The Democrats of Batler county held
their convention at Hamilton, on Satur-
day last, and appointed delegates to the
state convention. Hon. L. D. Campbell
made speech containing large amount
of political good sense, from which we
make this extract


l can give you, 1 think, very good prac-
tical reasons why reading in is much bet
ter than reading out Some CT you have
never been candidates for Offices at sundrv
and divers times, as you may have heard
that l have been. have always discov-
cred that one of the most important things
to the candidate for office is votes, and the
best way to secure the success Of yom
Democratic nominee is 10 get man who
won read men out of the party, but who
will bring you votes on election day. Votes
are very handy thing to have in the
family, and that it has not had them is the
reason why the Democratic party is not
to-day III power in the state Of Ohio


If the Democratic party cannot carry
! majority into the national congress, and
cannot at the next presidential election,
secure the election of a president, ii will
be long, long years before victory will
perch again upon its banner And if you
would carry your congress, and your next
presidential election you must begin to-
day, and begin, not in the spirit of envy,
or jealousy, but in the spirit of harmony
and fraternal feeling, each man determined
to yield something of his individual opiH-
ions, to act and cooperate each man with
his brother, for the purpose of promoting
the common cause That Is what you
have all to do, and if you don't do it, all
the time you spend, all the money YOU
spend, will be in vain, because, as l have
before told you, You have powerful par
ty in the field, which has ali the advantag-
es which its position gives it--all the pat
ronage of the government at its command
| and underits control.
Year: 1870




to Paris to Escape the Fashions.


Undoubtedly economy is a leading mo-
tive in taking so many American women
abroad, for habits there are much less ex-
pensive than here, the same articles of
dress costing much less, and a far less
quantity of them being required. The
expenses of young girls there are next to
nothing, for school girl in Europe has
neat clothing, but nothing of what we call
dress. | met an elegant New York moth
er IN Paris, who had Just got three or four
pretty daughters to boarding school there,
with no articles in the wardrobe more
snowy than the plain black gowns of the
regular pattern. Surely great change
from our New York fashions, which bring
all the treasures of the dressmaker, MILL
ner, and sometimes even of the ieWeler.
to bear upon the pet girl of fourteen or
fifteen years, who is forced to bloom out
into the precocious woman when she
should be in the bud of her childhood
Not only is dress less expensive abroad
but as l said in a previous article, the
whole method of living is simpler The
choice here at home is between an expen-
sive house and a hotel or costly boarding
house. 1t Is difficult, almost impossible.
to procure here for moderate price COM
| Portable apartments free from nuisances
and with proper privacy. The moment
we go INTO cheap quarters, We find that
the nasty goes with the cheap; and we
are lucky if dirt is the only lad neighbor.
In Dresden, Florence or Paris, nay. even
Rome, we can find good rooms, generally
| for small sum, where we can live and
see our friends as readily and independ-
emily as if we owned the whole block.
| called on two American ladies in Rome in
November far up in the old palace, and
found them as much at home as once in
their own fathers house, on the Connect
icut. They had their servant to look af-
ter their table, and they could have a car
rage at any time at the door to take them
to a concert, or gallery, or chant, or to the
Campagna when they chose, without be
ing troubled by anybody else in the house
Here with us those ladies would be held
responsible for the whole establishment,
and their character and fortune would be
mixed up with the whole neighborhood
Such instances explain the fact that so
many women 90 abroad to find frugal liv-
ing and refined associations at once. There
is generally, of course, some man of char
acter to advise them, yet barker seems
to be a sufficient protection, and it seems
to me that some OF our most accomplished
women had learned to take care of them
selves altogether-Dr OSCoOd
Year: 1870

WISCONSIN, law is evidently modelled
after that Of the Medes and Persians. A
life convict in the state prison there hav-
ing during the recent fire, saved the
building and inmates from certain de-
structiOn by blowing off the steam in the
engine room, at the peril of his own life
and at the cost Of II severe scalding. we
are told that "a movement is Oh foot to
secure his pardon, partly on account OF
this exhibition Of bravery, and partly be-
cause 1t has been proved that he was inno-
cent Of the charge been proved that he
was innocent OF the charge which i'm
prisoned HIM Unaided innocence. pure
and simple, would, of course afford no
ground Tor pardon
Year: 1870

TIE Free Trader for May contains
letter from Wisconsin miller who was
formerly protectionst, on the subject of
the tariff In this letter is paragraph
which ought to make an impression upon
all who wear protected boots and shoes.
The writer says:


/ am pleased TO inform you that the
free trade movement Is working in this
section Of the country. l own a grist
mill here, and have a good opportunity of
testing the sentiments of the people
Half Of the Republicans here are sick of
this protective tariff Il opens their eyes
lchen Il takes ten bushels Of l0heat to 6asy
pair of boots and sic bushels 10 bsly a
barrel q saA, everything in same ratiS
Year: 1870

We observe that an lows minister made tho
very intelligent remark, in recent sermon. that
"the Bible was the most important work that
had yet been published in the United States"
1t is to be hoped that this advertisement Of the
Z" work" in question will attract the notice Of
some of our New York ministers, who, down 10
this moment, have never heard Of any other Bible
but the newspaper AS we we're obliged 70 re-
mark recently, almost the greatest novelty in
preaching with which we could be favored at
some Of our g popular" churches, would be az
honest Scriptaral sermon The preacher makes
a very Indifferent journalist at the best, epd We
think we can undertake to DO our work Il be will
attend TO his own which he will ihd quite enough
to give employment 70 the very highest faculties
be may possess. Let any one read the reports
of the Sundays discourses, as given in the Mon
days papers, and he will fnd that half Of them
are dd captandum attempts to catch notcriety--
mere froth and wiDdbags, or. still worse, deliberate
panderings to the most selfish instincts Of hu-
manity. The only doctrine which some Of onr
reverend teachers dare to PROFOUND, Is the
doctrine that every man ought TO do what is
right in his Own eyes And then they profess 70
mourn" over the very deprayity which they
have labored to producel Would It not Be wen
if these gentlemen thought more Of doing
good, than Of getting their empty piatitudes re-
ported in the newspapers Pm Y. Times p
Year: 1870

SETTLE THEM NOVA petition is circulating
among the ship-owners and merchants who were
sufferers by the spolations Of the Alabama and
other Anglorebel cruisers, the object Of which is
to call the attention Of Congress TO the fact that
the nature and extent Of their losses ought to Be
inquired into and assessed, and that, when ascer-
tanned, it is the duty Of our Government to pay
them, or see them paid, entirely apart from the
question Of Engshd's offsets, or Of any questions
Of an international character. No Offset England
may have by reason of losses by British purchas-
ers of Confederate cotton or bonds or whatever
else, can lessen the amount due to. the losers by
the depredations of the Anglo-rebel cruisers.
The Government Of the United States. they
alIege, owes it to them to see them paid in full,
whether it is convenient in An international point
of view to collect the bill from England at present
or not This, it is claimed, is not loss by war,
but by piracy, which the Government is bound
to make good, However this may be, practically,
there is no known difficulty in. settling the AA-
bama claims. The course Of Secretary Fish in
delaying their settlement is indefensble. An
American Mercantile Commission, TO ascertain
more definitely their amount is well enough in
its. way But the ascertained total amount Of
the losses Of Americans BY these depredatious,
would. we have every reason to believe, be paid
with but little delay Nothing interferes with
the immediate performance of this obvious duty
except the fear Of Secretary Fish that the country
believes in Senator SumDer's top-lofty platform
Of obtaining exemplary damages, the cost Of
prolonging the war, or a reimbursement in the
form Of a cession Of British America Such
fancies are sheer bosh The payment Of the
actual losses by the depsedations will satisfy the
honor and the sentiments Of the country, as well
as the pockets of the parties 10 interest. More
than this is not deemed JUSTLY any man Of sense
in either country ChicagO Tribune
Year: 1870

The New York papers publish an extended
advertisement Of a novel and fanciful suggestion
lit can hardly be called an inventon-for the
transportation Of frsight and packages. 1t pro-
poses to construct pneumatic tubes, similar to
those now in use in London; bat instead Of run
ming cars through them, impelled by currents Of
air operating on piston that fills the cavity it
is proposed to load the freight in hollow spheres
and roll these through the tubes at rates Of from
$50 miles to 200 miles sn hour In brief, the
proposition is to shoot freights from Chicago to
New York through an airgun. Of which the
breech would be located at Chicago, aud the
muzzle at New York. The construction Of the
hollow Tubes and spheres. We are told, will all
within $4,000 per rlie- The paeumatic railways
in use in London for certain parposes have
proved success, being capable Of carrying ten
tons forty miles, per hour, with pressure Of six
ounces to the square inch 1t is claimed that
the sphere is, of all bodies, that which moves
with most velocity and least friction relatively to
the force applied The tubes are 10 be Of wood,
aud the spheres rolling inside Of them Of iron
with apertures end Internal arrangements for
loading them with the freight 81 hna -


The probable difficulties in the way Of the sue
scess Of such an enterprise would be that there
are few kinds of freight for which, in any event,
it could be used that the spheres would have to
go it alone" without conductor, brakeman, or
any other mode Of stopping them or keeping
them from colliding with each Other except the
control that might be exercised over the pressure
Of air upon them at the stations. Hollow spheres,
ten feet in diameter. and loaded with wheat or
barley, going under speed Of 200 miles an hour,
may be safe property to invest in; but we fear
the rates Of insurance on the early cargoes would
reach very nearly the full value Of the property.


From the practicability Of the invention, and
its thorough adaptation to the freight business,
our readers will not be surprised TO learn thatit
originated in the brain Of the Fourierite philoso
pher, Albert Brisbane Many capitalists might
be induced to subscribe moderate sum to the
stock Of the company if they were assured that
the inventor woaid be the first freight to come
through, and that the pressure would be put up
to the highest notch Chicago Tribune. i1 ta
Year: 1870

Governor AleOrn, of Mississippi, has
written letter saying labor is needed
very much in his State, and offering
to pay the transportation expenses OF
cOlOred men and families, furnish land
and give them money to start with,
provided they will agree to pay it out
of the first years crops.
Year: 1870

In n case recently on trial in Maine
q witness incidently stated that were
three posts in the hog yard. Being
asked what they were for, he replied,
with some hesitation, that his three
children were buried there.
Year: 1870

a new physiological discovery has
been made by a young man-namely,
that the pulse of young ladies general
~ beats stronger in the palm of the
hand than at the wrist. As to more
elderly females, even little boys know
by stern experience that the palm of
the maternal hand beats awful strong.
Year: 1870

An incident is related by a chaplain
who was in the army during one oi
our hard fought battles. The hospital
tents had been filled up fast by the
wounded men who had been brought
to the rear. Among the num-
Der was q young man mOrtally
wounded and not able to utter a
word. 1t was near midnight, and
many a joyful one from our homes
lay sleeping on the battle field that
sleep that knows 10 waking until
Jesus call for them. The surgeons
had been their round of duty, and for a
moment all was quiet. Suddenly the
young man, before quite speechless,
called in a clear and distinct voice,
"Hereu' The surgeon hastened to his
side, and asked what he wished.


Nothing" said he; "they are call
ing the roll in heaven, and 1 was an
swering to my name"


He turned his head and was gone
gone to join the great army of Christ.