Decatur Daily Democrat, Volume 36, Number 308, Decatur, Adams County, 31 December 1938 — Page 4

PAGE FOUR

democrat /f DECATUR r Published Every Evening ’ Except Sunday by THE DECATUR DEMOCRAT CO. Inearperatsd Entered at the Decatur, Ind. Poet Office as Second Class Matter I. H- Heller President L R. Holthouse, Secy. & Bus. Mgr. Dick D. Helli Vice-President | Subscription Rates: tingle copies ———l 02 One week, by carrier 10 One year, by carrier —5.00 One month, by mall — -35 Three months, by mail —— 100 Six months, by mail —— 1.75 One year, by mail 3.00 One year, at office— 3.00 Prices quoted are within a radius of 100 mile* Elsewhere $3.50 one year. 1 Advertising Rates made known cn Application. I National Adver. Representative SCHEERER & CO. 15 Lexington Avenue, New York 35 East Wacker Drive, Chicago Charter Member of The Indiana League of Home Dailies ' i — Happy New Year and we do 1 mean you. 1 Pretty nice weather for the end i of December in old Indiana and < we thank the weather man. . > «■■■ hi Get that driver’s license this < week so you won’t be liable if any > thing should happen that would call attention to it. New Year resolutions are about as extinct as the old fashioned , horse and buggy, but they are still , good for what ails you. — A bunch of miners in the West i Virginia hills have planned to celebrate New Year's eve at the bot- I tom of a 3,000 foot mine shaft, i That ought to protect them against the wild driver. Get ready to write it 1939. You may find it a little hard to remem- ; ber for a few days but its queer how soon we get so used to the new year that it seems to have been the same always. It begins to appear that when two or more physicians get together its a conspiracy instead of the old fashioned consultation. We find it difficult to keep up with these streamlined days. . 1 Governor Earle of Pennsylvania says when he is through with politics shortly he will become an aviator. He has had fourteen smash-ups, the last one Christmas day and his publicity so far has not been conducive to bringing a rush of passengers. "Stay alive — don't drink and drive'' is the plea now being made by the National Safety Council for New Y’ear’s eve. Os course it's good all the year but a special effort to reduce traffic accidents at this particular season is being made. Australian wool growers have organized to oppose an effort to I shorten bathing suits an inch. We hesitate to intrude from this distance, but if the swim garb down there is like that up here, our attitude would be that it’s a good ' trick if they can do it.—Cincinnati Enquirer. Mussolini’s tax collectors are: making tax dodging difficult in Italy. For example: Real estate owners used to make a practice of undervaluating their property ni their tax declarations. They quit doing that after the government confiscated a few pieces of property and paid off the owners at the tax valuation. Otic of your Now Year resolutions should be to drive even more carefully than in the past for no difference how much you have tried to avoid accidents you must know that with the ever increasing traffic and with the large daily list of tataiiiies you arc taking chances each time you drive. Watch your

driving and watch out for the other follow. We are calling attention of sub-' scribers outside the city to the i fact that its time to renew their j subscriptions to the Daily Demo- j . i rat. You will want the news dur-1 ' ing 1939 and we assure you we j will work harder than ever to give | ’it to you fresh and readable. The j 1 price is the same as in the past ' and we hope for a hundred per, cent renewal of our big list. The government's chief econ- ( 1 omists as well as leading business { men of the nation predicts great I business rise immediately. They i point out the Improvements of the past several months and call attention to the building now in progress and contemplated and declare that nothing can now prevent 1939 being one of the greatest years since '29. Let ‘er come. Church leaders are urging recommendations that the Indiana I liquor laws be changed to provide I tor closing at eleven p. m. instead I of one o’clock as the present laws provide. They also favor local option, the revocation of permits | to sell liquor by the drink and a | number of other changes. Evi-' dently the question will be quite a battle in the legislature and an issue in coming campaigns. Woodrow Wilson, president of the United States from 1913 to | 1921, was born eighty-two years! ago December 28, serving during i the World War and participating! in the peace conference which' twenty years ago was providing the biggest stories of the day. His . ideals were high, too lofty per-i haps for a jealous world, but there j are millions who today believe the world would be far better off if his plans could have been carried out. There is an interesting story i about an interesting man in this I week's issue of Liberty that is worth the few minutes it takes; you to read it. Every boy who thinks he hasn t a chance will en- . joy this story of the life of Owen D. Young, born on a farm, worked his way through college, became president of the board of General , Electric and is now one of the outstanding business men of Am- ; erica. He says it can still be done. The present city administration, A. R. Holthouse, mayor, is closing four years of service and Mr. Forest Elzey as mayor, Vernon Aurand as clerk-treasurer, a new city council with the exception of Mr. Appelinan and several new heads i of departments, will take over the ; reigns of government tomorrow.: We feel the retiring officials have done a splendid job, that the city has improved in many ways, that i financial conditions are excellent and that those who have been in charge, deserve the appreciation of Decatur citizens in general. We also believe that the new administration will do every thing possible to continue the march of progress and the general stability of the best town in Indiana and they start with the good will and the good wishes of every one. It requires community cooperation to j ' successfully continue in the march ! of time and with that assured we wish the new officials a Happy ■ New Year. Let's make 1939 the i best year in Decatur’s history. o Modern Etiquette | By ROBERTA LEE I Q. Is a boy or a girl of high school age supposed to tip the servants in a home whoer he or she is visiting? A. No; it is not expected unless be or she comes from a wealthy family, or has an appreciable in-i come. Q. Should a child be taught to rise when an older peron enters the room? A. Yes; this is the proper training, unless the difference in ages is very slight. Q. To whom should o.ic apply, on board ship, if he has preference as to where ho wishes to sit in the dining room? A. Luusuit the diuuis rojin steward.

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Business Outlook Series Is Prepared By I. U. Experts

(Editor’s Note: This is the last of a series of articles on the various line# of Indiana business prepared by members of the faculty of the Indiana University School of Business.) Indiana's Proposed Workmen’s Compensation Insurance Fund by (Prof. Ivan V. Snyder. Assistant Professor of Insurance. liidiana University School of Business.) When the legislature convenes earty next month, one of the first matters which it will probably consider is the establishment of a workmen’s compensation insurance fund. Presumably, it will have for its guidance a report from a special commission which has been studying workmen's compensation insurance during the last nine or ten months. Although it is rumored that this commission has already filed its report no one seems to have any idea as to what recomendations have been made. What type of fund will be proposed? Will it be competitive or monopolistic? The proponents of this legislation points out that if a monopolistic fund is established 't will be highly desirable to amend the basic compensation law, so as to make the purchase of insurance by the employer compulsory, otherwise, many employers who condemn state insurance as un-AmerThan, may elect to operate under the old principal of employer's liability. Some favor the competitive fund because they say that it will not interfere with personal freedom of the employer, but will leave him free to purchase his insurance from a private carrier

OUR FELLOW DRIVERS

■MW."'. 'V ' Bw; 1 WV"i R'' tfHHL < Trawlvrs Safoty Samoa "So h« won't dim Mt Wisht lishit, «h! Well, I'll give him mint.

DECATUR DAILY DEMOCRAT SATURDAY, DECEMBER 31, 1988.

it he so desires. Labor spokesmen, generally, l seem to favor the monopolistic or, as some prefer to call it, the exclusive state fund on the grounds that if employees in a state which has a competitive fund choose a private carrier and the private carrier becomes insolvent the injured workmen are unprotected. The most frequently debated question concerns the cost of compensation. Spokesmen for organized labor contend that Indiana’s present system costs too much. They charge that the spread between the total premiums collected from employers and the total benefits received by injured employees is entirely too great. This, it is contended, is due to the fact that the private carriers operate for profit and is an inherent defect in our present plan. Any consideration of this complaint must include an examination of Indiana’s actual experience It has been estimated that during the eighteen year period from 1920 to 1937, both years included, the compensation insurance carriers operating in Indiana have collected from Indiana employers approximately 82 millions of dollars in premiums. Their losses during the same period are estimated at 46 millions. The spread between premiums and benefit payments amouuts therefore to approximately 36 millions. For purpose of cost measurement a better term than the above mentioned “spread” is the ratio of expense to earned premiums. If the above figures, representing Indiana's experience, are interpreted by this measure it will

be seen that the ratio of cost, or ! expense, to premium collections on Indiana business has been roughly 43 per cent. Professor W. F. Dodd, a recognized authority in this field, who has recently published an exhaustive study of workmen’s compensation, has estimated the average expense ratios for all types of compensation insurance carriers, including the state funds, at 41.6 per cent in 1933. He thinks that a monopolistic state fund should be able to reduce this considerably, but warns that where a lower cost vi state fund Insurance is obtain- i ed at a sacrifice of adequate ser- j vice, mere cheapness does not constitute an advantage. The Ohio fund which is monopolistic, and which has the largest premium income of any of the state funds, has been severely criticized because appropriations for its management have been too small to I make efficient management possible. It has been recently disclosed that during the period 1929-1933, the excess of disbursements over receipts by the Ohio fund was over 17 millions of dollars, and that 1 an investigation by an independent actuary indicated that prompt and . vigorous action would be necessary if the state fund is to be put in sound financial condition. Some of those who favor the j establishment of a state fund in Indiana criticizes our present sys- j tem on the grounds that disabled j workmen do not receive adequate i and prompt medical and surgical care. It may be worthwhile to re-1 call briefly the meNjod by which handled at. present. Normally the a workmen’s compensation case is employee and his employer, or his carrier attempt to reach an agree- ' ment as to benefits due the employee. If they cannot agree the ' employee will appeal to the industrial board. His case will first be heard by one member of the , board. If the employee remains un-; satisfied he may ask for a reheari ing, this time by the entire board, i From its decision he has the right | to appeal, first to the appellate! i court, and finally to the state su-. ’ premc court. It is * interesting to j note that during the period from . August 31, 1915 to June 30, 1937 a I total of 751,749 injuries have been I reported to the Board. Os this' I number 4,812 were fatalities. In i many cases it appears that the in-, juries were so slight that uo compensation other than some slight medical attention was either asked or granted.. In 369,212 cases, however, compensation was awarded by agreement, and in only 41,566 cases were complaints filed with the board. Those who are op-; posed to any change in our present system contend that these figures indicate that the great majority of itjjured workmen have been receiving adequate and proper care,! for had they not been satisfied I many more cases would have been submitted to the board for hearl ing. o 500 Sheets S’/jxll, ZO-lb., White Automatic Mimeograph Bond, nealy wrapped $1.05. This paper is free of lint and; j sized for pen and ink. Deca tur Democrat Company. ts

By Mueller

Answers To Test Questions Below are the anewera to the Teat Questions printed on Page Two 1. To keep birds front alighting on the poles. 2. Switzerland. 3. Capt. Roald Amundsen. 4. Canada. 5. Norman H. Davis. 6. Gir-(l as in illl-maee’; not grim’-ace. 7. Black, yellow and red. 8. Australia. 9. A large opening through a deck, as for taking in cargo. 10 China. 1. Richard E. Byrd. 2. An instrument designed to investigate the nature of the radiations emitted by various sources of light. 3. White and red. 4. Craig Wood. 5. Sight o’clock a. ni. 5. Hay’-rem; not har-em 7. They have two compound eyes. 8. Alaska. 9. First cousin ounce removed. 10. No. o r Household Scrapbook By Roberta Lee ♦ « Combs and Brushes To remove grease and dirt from the combs and brushes, add a teaspoon of ammonia to a quart of ntuji. Rinse, shake the t rushes, and dry In the sun. The Guest noom Keep an extra blanket in the guest room in case the vis!'or would like more covering. It might avoid a sleepless night, or even a cold. Save Sugar By adding sugar to the applesauce just before it is removed from the stove, much lass sugar will be required to sweeten it. o —

TWENTY YEARS * AGO TODAY | From the Daily Democrat File ♦ ♦ Dec. 31—Mrs. David Schwartz, 30 and her little four year old daugh. ter of near Berne die within short time of each other, from the flu. Joe Coffee writes from Born Luxembourg that he is fine. Says ho was going over the top as the lop as the order came to cease tiring. Miss Jessie Magley entertained the Ruth Circle of the Christian church. Butterfat today is 70c at the Mar-

E. Phillips Oppenheim writes of glamorous romance, thrilling adventure and grim, zvor Id-shaking intrigue in the highest diplomatic circles r- K r nil j2<.a ’ rVMDLfjn Im tv*W i rn I ■mL L . L I sgt> ■¥ ( I ®wal-// 4 A i \®a ? V M ft \ , ’. X Jn y * . l IS? JHk. l i yjfe..* Wi W . 14S Oh 11 W i■' I Envoy Extraordinary M A NEW DAILY SERIAL In the omnipresent shadow of quick-striking death, E. Phillips Oppenheim unfolds a startling, baffling tale of mystery and adventure in which the diplomats and dictators of Europe strive desperately to keep their countries from the destructive chaos of a second World War. In a breath-taking series of perilous exploits, the Envoy Extraordinary brings to a halt the devious machinations of those who put power above peace. Oppenheim reveals a new chapter in international doubledealing in the chancellories of the Continent. Be sure to read this latest thriller by an author who stands supreme in his field. MONDAY, January 2,1939, in the Decatur Daily Democrat

' tln-Klepper Creamery. Congressman Vestal wires L. A. Graham that Paul has returned sufely to France from Gorman pri-. son camp. Miss Ruth Bowers and Miss Glad-' ys Flanders go to Indianapolis for a New Years house party. Funeral of Rev. C. G. Schurich was held this afternoon at Friedhelm. RANKS OF SPANISHFKOM PAGE ONE) after Sergeant-Major Arthur R. Miller. The major of the company was Major Edmund P. Miller. Har- 1 ry Reed Is the present commander. I He will be succeeded Friday, Jan-1 uary 6, by Charles Kltson, who will be installed as the leading otfl- ' cer. In view of the fact that their ranks are so rapidly being broken up, it is only natural to sup-! pose that the vets, while joyfully ' welcoming the first week of the new year over a steaming oyster supper, will momentarily pause to recollect the events of the past . year and the fact that three more ' comrades have Keen left behind. The Spanish-American War vets have on particular "pet pride" in | common — that of watching the ‘‘youngsters,” the members of Ad-

Dignity We pride ourselves in the dignity with which we conduct the matters entrusted to our care. Every detail receives the careful attention of trained attendants regardless of the price service you choose.

HAPPY NEW YEAR TO EVERYONE C P.BLACI( />! • >5 FUNERAL DI RECTOR K r — PHONC 500

I To attend | Uclpate in Legion coTvZ? 1 I to wllDe “ ‘»e I ‘he you„ eur org uulwUon and more are iaM „ ' ; memories with them in 1903, 'O4, ‘ OS and ‘o the past tew y eWl J ol *, have actively retired.' ' n 1 , Dance New Year’s c,. --Sat, Sunset MORRIS PU\ loans on furniture DIV ESTOCK ELECTRIC STOVES Refrigerator? Special Plan for School Teachers NEW AUTOMO& S6.VU tor 5100.1)0 Per year Repayable Monthly, Suttles-Edwards C Representatives.