Richmond Palladium (Daily), Volume 35, Number 215, 10 June 1910 — Page 8

PAGE EIGHT.

THE RICmiOXP PALLADIUM AND SUN-TELEGRAM, FRIDAY, JUNE 10, 1910.

INSURANCE RATES ARE EXORBITANT

B G AM

THINKS

In Explaining His Suit Attorney General Says These Rates Are Dictated in Insurance Combine.

RONEY CASE PROVES HIS CASE HE SAYS

He Says Local Agent Was Forced to Submit to Combine's terms or lose Much Valuable Business.

Indianapolis, Ind., June 10. One of the most Important, if not the most Important, insurance suit ever started in Indiana is the one In which Attorney General Bingham is engaged in the Superior Court in this city just now. It is an action which, he filed some months ago to break up the alleged combine of fire insurance companies in this state. Mr. Bingham made an exhaustive investigation of the insurance situation in the state and made up his mind that the companies were in a trust. So he filed the suit against 129 companies. Mr. Bingham outlines the system under which the insurance combine operates. About sixty or seventy of the companies belong to what is known us the Western Union of Fire Underwriters. The state agents of these companies belong to the Indiana Association of Fire Underwriters, and the state agents for the non-unionu companies belong to the Indiana League of Fire Underwriters, which is essentially the same kind of organization as the association. Board for Each City. In addition to all of this, the local agents in each city are members of a local board which is In complete control of the insurance business in the town. Before this suit was filed each local board maintained a local inspector who scrutinized each policy issued by any agent and saw to it that the business was not written at cut rates. Since the filing of this suit, however, these local inspectors have been abolished, and the policies are sent direct to the home office of the company by the agent Mr. Bingham says he found that all of the companies joined in the maintenance of a central inspection bureau in this city, which inspected all insurable property in the state and made the classification on which the rate was based. This made the rate uniform for all companies. In other words, it meant that when the inspection bureau inspected a building and gave it its classification a rate on that risk was established in accordance with the scherule adopted and followed by all of the companies, and every company doing business In the state would ask the same rate for issuing a policy on that building. Mr. Bingham concluded that this was a trust. Maintenance of Boards. He found also that the combine was maintained and kept alive by fear on the part of the local agents. "If a new company wishes to come into Indiana and do business," said Mr. Bingham, "it must, of course, have agents. If it is an independent company it will not pay any attention to the rates established by the combine. If it does it will be put out of business. If an agent takes the company he will have a hard time to get a business built up. If an agent takes the com

pany who represents also union com

panies the special agent3 of the union

companies call and inform him that

unless he gives up the new company

they will take their companies away from him. This was done in Rich

mond, where an agent named Roney.

who had taken an independent com

pany, was forced to come ..into the union or give up his other companies, thus throwing him out of business. It was testified In court that Roney was f forced to agree that he would not represent any company that wrote business at cut rates. If an independent agent refused to sign such an agreement the union companies started a rate war and drove him out of business and compelled him to come to their terms. Do As They Please. "Thus it is easy to see that the companies in the combine were able to do as they pleased about rates. I found also that present rates were too high, and that the companies were making enormous profits on ail of the business written in Indiana. Some of them make as much as fifty per cent annually on their capital stock. I found that the rates in Indiana were on aft average fifteen percent higher than they should be. The total amount of fire insurance premiums collected in Indiana during a year amounts to something like $7,000,000 so if I can force the companies to reduce their rates fifteen per cent it will mean a saving of at least a million dollars to the people of the state. This is the idea I have in mind, and it was what caused me to file this suit to enjoin the companies from continuing to use a uniform rate in this state. The result will effect every property owner in the state.'

GOOD RECORDS BY PREBLE STUDENTS

Seventy-five Applicants Successfully passed the Patterson Examinations.

NOBLE C. SHILT HIGHEST

THOSE WHO SECURED PASSING GRADES ARE ELIGIBLE TO ENTER ANY HIGH SCHOOL IN THE ENTIRE COUNTY.

(Palladium Special)

Eaton, O., June 10. Seventy-five of the applicants from the various township schools in Preble county successfully passed the Patterson examination held in Eaton a few weeks ago and are now eligible to enter any high school afforded by the county. Noble C. Shilt, of Harrison township, received the highest gr ade of any of the examination applicants, and the flag offered for this distinction by the county school examiners will be to the school which she attended. These pupils will be graduated and given diplomas at the annual commencement which is being arranged for Saturday, June 25, in the Eaton opera house. A list of the graduates with their grades is as follows: Dixon township Myrtie Shafer. 7; Frank Rinehart, 74"'s: Jennie Price, 7; Ruth Rinehart, 77: Howard Swafford, 77: John Brown, 7.84; Ethel Johnson, 78; Hazel Brown, 78"i: Russell Campbell, 80. Gasper township Louise Glenna Wright 70Vs: Ray Markey, 70:4; Glenn Wysong. 72; Mary Marguerite Litehiser, 73: Stanley Beasley, 74; Ray Stevens, 77 tj. Gratis township Burnice Emrick, 70; Esta Roberts, 72: Edith Overholts, 74; Roscoe Bunn, 7o; Leona Apple, 80; Jennie Flora, 80; Opal Roberts, 81. Harrison township Nellie House 7014; Minnie Bunger, 71: Anna Fager, 72: Lottie House, 72; C. Z. Cossairt, 72; Chalmer R. Hays, 72; Opal Haddix, 72; Mabel Albright, SOVi; Noble C. Shilt, 01. Israel township Warren P. Spencer, 75. Jackson township Ethel Earman. 71; May Thompson, 72i; Chester Surface. 72; Everett C. Geeting, 73: Edith Bradway, 72V Jefferson township John M. Sawyer, 71; Herman Wittman, 73. Lanier township Melva W. Johnson, 70; Mary Ulrich, 70V1; Grace Fudge, 70V4; Velma Daily, 70; Elmer Butt, 70-; Maude Stoneroad, !1; Ethel J. Durkel, 73; Wanda Unger. Edwin B. Goad, 76; Mona S. Crouse, 77: Virden Boor, 7SVaMonroe township Junie Baker 74V4; Ola Trump, 74: Shearl Emrick, 75'A; Ezra L. Petry, 7914. Somers township May Zimmerman, 70: Effle Creech, 72Vi; Mary Brooks. 73-; Willio C. Uhl, 75: Nellie M. Fornshell, 75V4; Lena Hess, Mabel R. Schlegel, 70; Corwin Wright (deceased), 7S.Twin township Hazel Unger, 70; Martha Ozias, 70; Ruth Oyler, 70; Raymond E. Shank, 72; Roscoe I.

Markey. 73; Dorothy Burtner, 75Vi; Harry E. Huette, 80. Washington township Pearl Jordan, 71; Maude Wagner, 73; Ethel Lee, 73; Bessie Izor, 78; Damon Swain, 84

AN AHTFUl IMPORTER.

Got the Oil King Unconsciously tc Submit to an Interview. Playwright Euseue Walter is numbered among the newspaper men who obtained the "first interview with John D. Rockefeller. When the First Interview With Rociiefeiler club is formed Mr. Walter will be one of the charter members. This is how he managed it: In the days when lie was a newspaper reporter in Cleveland Waiter was an extremely youthful looking youns uiun. He decided to capitalize his puerile appearance, for it was not an easy task even at that time to get Rockefeller to say anything. He was utterly improachable." as a colored maa once remarked. Walter got into the Forest Hill grounds from the rear and walked about, looking at the flowers and shrubbery with an apparent lack of purpose, just as a boy would. Rockefeller finally noticed him gazing abstractedly at a flower bed and went up to talk to him. "Ah, my tine lad." began John D., "are you foud of flowers';" "Indeed I am. sir," replied Walter in true Mc(Juffey Reader style. "Well. 1 :) .'r-.: j!:;ti to see a

ooy wiio appreciates im beauties nature. Would you care to walk over and look at the pond lilies? "Ah, sir. I should enjoy that more than I can tell you" Thus the conversational ice was broken, and the youthful visitor was so enthusiastic over all he saw that the master of Forest Hill passed him out platitudes for about an hour. The Interviewer didn't' even have to ask questions. Next morning Walter's interview was the best thing in the paper. Cleveland Plain Dealer.

OuRTH

TO BE SANE F

The fireworks ordinance which was passed over the veto of Mayor Zimmerman on Monday evening by council has been given to the police department. The police will see that all provisions of the ordinance are carried out and it will make the celebration as safe and sane as possible.

DISMISS EMBRY CASE.

The divorce Suit of Charles Embry vs. Nannie Embry has been dismissed from the Circuit Court at the plaintiff's cost. The case was filed on April S.

When you call a certain number over the telephone, and Central replies that they are talking, don't you feel as if the party you want has been rude to you?

All day market Sat., June 11th, at the Leeds Bldg., 824 Main St. by the Indies of the Affiliated clubs of the State Federation of Clubs. 9-2t

Ladies of the United Brethren church will give a market tomorrow At Johnson's Stove Store. 10-lt

Valuablo laxative Froo

Next to food itself there is nothing of greater importance to the human system than to make that food do its duty. By duty Is meant to furnish health, strength and rich blood to the body. It is necessary first of all to chew food thoroughly. Next the stomach must be In condition to digest It, and the bowels to churn it ready for removal. And right here so many find their greatest trouble. The fermenting, undigested food stays in the stomach and bowels, Impairing the nerves and blood, giving rise to sallow complexion, headache, sour stomach, bad breath and often serious afflictions like skin diseases. All this Is due to impaired digestion and to a refusal of the bowels to do their work. The best way yet found to strengthen the stomach and tone the bowels so that they will do their work Is by the use of such a grand laxative tonic as Dr. Caldwell's Syrup Pepsin, now for nearly a quarter of a century the one most Important household remedy. It Is a remedy and sure relief that all the family can- use for the cure of constipation. Indigestion, liver trouble and all other ailments of the stomach, liver and bowels. Thousands of American families use It regularly for these troubles, for It can be given with safety to the smallest child. In the home of Mary Belford, Louisville. Ky., as well as that of John Smith. Moorhead. Miss., they would as soon think of being without the actual necessities as without Dr. Caldwell's Syrup Pepsin. But realising how skeptical many people are about a laxative, owing to the difficulty of finding one that Is genuinely good. Dr. Caldwell will end a free sample of his remedy to anyone desiring it. He will cheerfully do this, so do not hesitate to make the request. The remedy can be bought of any druggist at only fifty cents and one dollar a bottle, the large bottle being for family use. Dr. Caldwell personally will be pleased to give you any medical advice you may desire for yourself or familv pertaining to the stomach, liver or bowels absolutely free of charge. Explain your case in a letter and he will reply to you in detail. For the free sample simplv send vour name and address on a postal card or otherwise. For either request the doctor's address is Dr. W. B. Caldwell, K.504 Caldwell building. Montlcello. III.

"GINGER UP" Your Water Heater and get Hot ; Water quickly. Our heater and ! methods relieve the pain. a ;

MEERHOFF, the Plumber Phone 1236. 9 South 9th St.

o

7

a

ft

- IMAGINATION COULD NOT w

CONCEIVE OF A HANDIER AND PRETTIER FORM THAN THAT WHICH IS PRESENTED in CRYSTAL DOMINO SUGAR

NEITHER COULD THE MOST PARTICULAR PEOPLE ASK FOR MORE PERFECT PURITY, NOR ECONOMICAL PEOPLE FOR LESS WASTE.

SOLDbyGROCERS

EVERYWHERE!

I

Crystal

tZ. SUGAR

GMWKirJ

13c Each

Pineapples Pineapples These are fine, large, ripe fruit, the best size to can; little waste. Today $1.25 per dozen.

13c Each

Strawberries Strawberries Will have two deliveries fresh from the patch Saturday. SEE OUR DISPLAY You will find everything that is seasonable and good in the way of FRUITS and VEGETBLES in our display. Green Peas, Green Beans, Cukes, Cauli., New Potatoes, Ripe Tomatoes, Spring Beets, etc. Chickens to Roast and Stew Picnic Lunches You can always get what you want for your lunch here. Our Baked Ham is cooked done. Fancy Queen Olives in bulk, Fresh Potato Chips, Pimentoe Cheese for sandwiches is something new and it is good. French Sardines, Potted meats and lots of good things that you will relish. Don't forget that Sunday morning mackerel, they are white and fat. . . Your order will be appreciated and carefully filled.

H. G. HADLEY, Grocer. Phone 2292. 1C33 Main St.

Don't Forget That the price of M Will advance with the season. Mather Brothers Co. Phones 1178-1179

SPRING SIGNS ON THE SKIN Pimples, Itching Spots, Eruptions, Blotches, Fever Blisters. The little blotches, itching spots, discolorations, pimples, fever blisters, etc. w hich appear on the skin at this time of the year, indicate that the pores are overtaxed in their work of helping to renovate the system. A little poslam applied as soon as these troubles show will cause them to quickly disappear, leaving the skin in perfect condition to perform its duties. In skin troubles' of every form, affecting both infants and adults, poslam produces beneficial results from first application, stopping all itching at once. Eczema, acne, herpes, tetter and similar diseases yield to it readily. Poslam is non-greasy, flesh colored and cannot be detected in the daytime. When used for scaly scalp, dandruff, boils, sores, chafing, hives, etc., it drives away soreness and cures rapidly. Poslam is on sale for 6 cents at W. H. Sudhoff's as well as all drug stores. But a supply sufficient for most minor troubles to clear the complexion overnight and rid the face of pimples, will be sent free of charge to any one who will write to the Emergency Laboratories, o- West Twentyfifth street. New York City.

Charley No Shirt is the name of the chief of the Walla Walla Indians in the Umatilla reservation.

The Flower Shop 1015 Main St. Phone 1093

QUAIXTXESS of design in scarf pins, hat pins, belt buckles, sleeve links, rings and bracelets characterizes our exhibit. $ Let us supply that commencement gift. However, we have something appropriate for every occasion. We're a little farther ahead than usual with assortments and far behind our competitors in prices that's our way. RATLIFF The Jeweler 12 N. 9th St.

THE GREAT

ATLANTIC and PACIFIC

TEA COMPANY

Saturday Green Stamp Special ff Stamps with a large can ot the fZrtl I UU celebrated A.&P. Baking Powder Q stamps with a pack- Q stamps with a pound age of peaches Qc of coee "30C g stamps with a pound Q stamps with a packof coffee age of raisins .... Qq Q stamps with a pack- 2 5 stamPs ''itn pound age of rice Qq of coffee 35C Start that stamp book to-day. We will fill it In a short time.

Phone 1215

mini 1 1 illJ

6 Pounds of Navy Beans For

727 llain

I

Fire Works Buy your supply of Fire Works for the 4th of July. A complete line in every way. Toys, hammocks, croquet sets, express wagons, Indian Play Suits. The Geo. Brehm Co. 517 Main St.

Matt-Foott Is si

Flit-foot is a disease because of its unnatural and a dangerous change from the shape that nature intended every foot to have. - t. The arch of your foot should form a spring and when the arch lets down and the foot becomes flat all the jar-absorbing power of this spring is destroyed and all shocks that would otherwise be reduced n the foot are carried upward to the delicate, sensative vita! organs, and local disorders, nervousness, and finally serious organic diseases are apt to result. The Felfman Arch Support Will Cure It. This arch support will restore the lost elasticity, will restore the form to the foot that it should have, will give the muscles a chance to strengthen, will cause the bones to lie in their natural position, will aid the circulation through the bottom of the foot. We Fit Arch Supports Correctly. But every arch support must be fitted accurately to the foot whose health it is to restore. Our Mr. McCarthy in the North SiHe Store is an expert in fitting Arch Supports, afflicted with a bad case of fallen arch himself, he has made a study of the subject and will be sure to fit your feet as they should be fitted. These arch supports sell for $2 a pair, for the person who suffers with fallen arch there is no investment that will bring such large returns.

Qnas I. IFeltmai TWO STORES 724 Main 807 Main

A fa CM

Hear Our Remarkable Pianist R O Y C . IP ARK Quartette. Toes.. Tbur. and Sat. NIgbts

(Dninni2ini3ini(S(3i3irii(3ini1i (SfliFttc Ours is the Gift Store and a present bearing our name and mark is appreciated because of its appropriateness and true worth. Our special Sterling 75c spoon at 49c. Our Guaranteed Regular. $2 to $3 Fountain Pen at $1 each and our Elgin watches guaranteed 20 years for $9 are only a few of the genuine bargains we are now offering. We carry in stock a complete line of the Wonderful Howard Watches, recognized and proven to be the BEST WATCH IN THE WORLD. Remember

oUomilkninic The Reliable Jewelers .

726 Main Otrcot

to a mLunyi' hit ftp

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