The Daily Banner, Greencastle, Putnam County, 11 May 1936 — Page 3

VILLAGE KEEPS ODD INSURANCE PLAN III) YEARS

THS DAILY BANNER, GREEN CASTLE, INDIANA MONDAY', MaV U, 19.%.

HAKWINTON, CONN., MUTTAL COMPANY SOl'NI), KI T HAS NO SCKPM'S

NEW HAVEN, Conn., (UP)-The Harwinton Mutual Fire Insurance Company of the village of Harwinton, Conn., this month ends its gnth year of continuous existence. Although the treasurer will report virtually no money in tne treasury and despite the fact that there is no tangible surplus or reserve of any sort, the officers and directors of the company will consider the organization in sound and healthy condition, and will so report to policyholders. And the state insurance examiners, who soon will he going over the books of the company, also will he satisfied that the company is in all respects secure. The assets of this concern, the smallest “legally chartered insurance company in the nation, lie in its charter, granted by the state in 1856, and in the character of the Yankee farmers in Harwinton who make up its 80-odd policyholders. The charter defines the conditions under which the, company may do business and is of sufficient potential value to attract frequent offers of purchase. The policyhoiders, who are the stockholders, however, are the company’s chief asset, for if the traditions of the home town fire insurance company were not so deeply inbred in the present residents of the village, the company would not be able to do business. The organization is more property a mutual protection society than an insurance company. It was organized by a group of Harwinton resi-

NOTH'E OF ADMINISTRATION Notice is hereby given that the undersigned has been appointee! by the Judge of the Circuit Court, of Putnam County, State of Indiana, administrator of the estate of Ralph B. Smythe, late of Putnam county, deceased. Said estate is supposed to be solvent, H. C. Christy, Administrator. May 2, 19.16. Attorney, Theodore Crawley. Homer C. Morrison, Clerk of the Putnam Circuit Court 4-3t

aents before the large insurance companies of today had extensive business and it Provided only that when any one of the group suffered a loss b> fire, the rest of the group would contribute equally to make up the loss. This arrangement has been reduced gradually to writing over a period of years ad the whole scheme today looks like a regulation insurance company. Hut the principle is

unchanged.

For example, a resident is issued a poliey today for three years at a post of For that fee he is protected in any amount up to SI,500, the exact figure being set by the board of directors. If the policyholder has a fire, damage is ascertained by the directors, and the amount is assessed against stockholders in equal shares. If no fires occur during the year, each member has had fire Insurance for 12 months for $1. The board of directors has nine members and when a new application for insurance is received, either from a person not previously a member of the company, or on property not previously insured, the directors investigate. Then they met to determine whether to issue insurance, and if so, in what quantity. Cautious explanations 'ndieate the policy of the company is that it does not feel bound to insure anybody who applies. This is true, and one of the best evidences that the organization is made up of handpicked policyholders is the low fire loss. There have been only two fires in 15 years among members of the company and of those only one was serious. The total loss at this fire was $600, of which the Harwinton company’s share was $113. This meant an assessment of about $1.50 on each member. Otherwise their insurance costs them $1 a year. It is easy to see that the company could not do business without a complete willingness on the part of the members to contribute when one of their number suffers damages. Pride on the part of members in the company and the Yankee notion of sticking to a bargain once it is made, are the factors which eliminate virtually all trouble in raising assessments. Revenue from writing new policies each year amounts to between $75 and $100 and is spent in conduct of the business. The secretary gets a fee for writing policies and keeping books, and directors get $1 for each board meeting they attend, it is the aim of the company not to take in

Court Rules on Guffey Bill

any more than enough to pay the operating oftsts of the company, and there is seldom any money in the treasury. Thomas Q. Hogan, secretary, has charge of the books, and to his rambling country farmhouse go the state insurance inspectors to do the same job they perform In the marble halls of the great insurance companies. An inquiry as to where the office space of the company might be found, brought the explanation from the secretary that the office “is wherever I find a place to sit down,” Hogan was at that moment sitting in front of his kitchen stove. Hogan is a year older than the company and has been interested in it since early manhood. He has been secretary five years. LIE DETECTING IN CRIME WORK LABELED MYTH DF.YICF.S MEKEI.Y IMAUNOSF. SYMPTOMS, EXPAINS UNIVERSITY EXPEIH CHICAGO, (UP)—Tnere is no such thing as a "lie detector.” according to youthful Prof Leonardo Keeli er, brilliant scientist-lawyer, who heads Northwestern university's scientific detection laboratory. The odd-looking black boxlike machine and methods used by Keeler ami his associates in helping solve crime mysteries, come under the general heading of “the (Keelar) Polygraph detection of -deception tech

nique.”

And the polygraph

Campbell Caught

Harry Campbell • G-men scored again with the capture in Toledo, 0., of Harry Campbell, Public Enemy No. 2, whose arrest followed closely o\ the capture of Alvin Karpis, both of whom were wanted in connec* tion with the Bremer kidnaping in St. Paul and various bank robberies. Campbell was taken to St. Paul where he and Karpis await trial on kidnaping charges.

appendicitis nr any other physical disorder can be diagnosed.”

The scientific crime detection laboratory grew out of the St. Valentine day massacre of seven years ago a crime for which no blame ever

“lie detector” was fixed

to some—Is only one cog in the crime n W a 8 started to make available a detection plan which contains para- [ laboratory to give expert assistance phernalia ranging from lathes and, to police in identification of firearms drills to scientific laboratories. (and also in the examination of all Keeler defends his polygraph, and other types of evidence needing science wrote an essay entitled “De-1 entific methods.

Burt A Massec, a member of the coroner's jury investigating the mas-

bunking the 'Lie-Detector.’ ’’

“To begin with.” he said, “there is

no such thing as a lie detector. There' sat ., et authored the Idea, and with are no instruments recording bodily the cooperation of Dean Emeritus changes- such as blood pressure,' j 0 h n H. YVigmore of Northwestern pulse, respiration, or galvanic reflex university school of law, a laboratory — that deserve the name die detector’ j corporation was formed 'ind affillatany more than a stethoscope, a clln- ] t .,| w jth the university, ical thermometer, or a blood count | The polygraph consists of three apparatus with a microscope can he 1 units one for recording respiratory called an ‘apendicitis detector.’ | change; another for continuously re“Laymen arc led to believe that in-' cording the pulse wave and blood dicators jump in a defined manner, pressure and a third for recording when a subject lies, or that a little niuscular reflexes of the arm or leg red light flashes, or that a bell rings. I q 0 obtain body reactions a rubber

Certain so-called experts refer to' their Instruments as die detectors.’, and give the impression they really >

have such a device.”

“However,” said Keeler, “derep- ^ tion, guilt or innocence can he diug- | nosed from ceitain symptoms just as

tube is placed around the chest and his identity, has gone undefeated in a blood pressure cuff is fastened about Bis eight matches and has never has the upper arm and inflated to a pres-j his shoulders to the mat. Among his sure midway between the systolic and victims have been the veteran and diastolic blood pressures. Rubber experienced Tom Marvin, otto Kuss, tubes approximately a quarter of an the former Indiana university wrestinch in diameter lead from both the 1 ling star and Leo Numa, crack Sechest tube and the cuff into metal attic ace and one of the best of the tambours, to which are attached two younger heavies in the game, pens. As the pens fluctuate with Sonnenberg, the grappler who is each pulse of respiratory movement. J cr *dited with revolutionizing the recordings are made upon a slowly aport when he introduced the flying moving graph paper on a Kinall drum, tackle to the game a few years ago. Ordinary physical abnormalities, won the undisputed heavyweight such as high blood pressure and irreg- crown from Ed (Strangler) Lewis in

lW2*.i Today he is making a strong bid to regain the title. He is all set to “siloot the works” against the ■'Black Secret” and the odds will he in his favor when he enters the ring. Two other bouts are to be offeted.

ular pulse, or emotional instability caused by fear, anger or other disturbing factors, do not interfere with the deception test because these ir-1 regularities are brought out in the! “control" part of the record. In other words, that part of the r.ecord made by the subject while he- j ing asked a few customary irrevelant questions (Have you had breakfast I this morning ? requiring an answer j of “yes” or “no”) will indicate tne | physiological peculiarities of the individual. Significance is attached only to the leviations from the “norms” at the | points where tiie subject is being questioned as to bis particular parti-1 cipation in the crime under Invest!- j

gallon.

This polygraph is used by Insur- j ance companies, banks, department stores ami other organizations. More ' than 2,000 employes of 52 Chicago j banks have been examined in effort to detect embezzlers of various sums. | In one instance a bank desired to j detect the embezzler of $5,000. Tests were run on all 56 employes, hut. in- 1 stead of finding one liar in the group. 12 were discovered. Of the 12. nine confessed to embezzlements then un- i known to bank officials.

BK. MATCH TUESDAY INDIANAPOLIS, May 11. They are now calling the “Black Secret." a "hooded hoodoo." He has linen a jinx to al leight wrestling oppi^ents he has met and he has the funs guessing more than ever. And now comes Dynamite Ous Sonnenberg, 2l(V former undisputed world’s heavyweight wrestling champion, who is all set to remove the mystery surrounding the masked inatman. The “Dynamiter” and the "Secret" clash in the headlining encounter on the Armory mat bill here next Tuesday and the bout haa all the earmarks of a thriller. The “Secret,” who scales 220 pounds and has not as yet revealed

Two Face Chair in Snake Murder

TO (.l\ E It \l)lo TALKS

Decision of the supreme court on the Guffey coal bill, authored by Senator Joseph Guffey of Pennsylvania and endorsed by John L. Lewis, president of the United Mine Workers, stirred nation-wide interest because of its significance in setting a legal precedent which may affect other New Deal mcasum recardinc labor.

HARRY E. McCLAlN In connection with National Life Insurance Week. May 11-16. Hairy E. McClain, state insurance commissioner. has arranged to give a series of educational talks over Station YVFBM at Indianapolis. The schedule for Mr. McClain’s radio messages is as follows: Monday and Tuesday. 5 p. m.; Thursday 2 p. m., ami Friday at 5:15 p. m.

Di-ath penalties will be a.-ki il again t both Charles il Hope, left, and Robert S James, right, shown with Jack Southard of the Lo» Angeles district attorney's office, in connection with the alleged murder of James' attractive young wife, Mary, authorities stated Each has accused the other of responsibility for the death of Mrs James, wh* drowned in a fish pond of her home after having survived the ordeal of having her foot thrust in a box containing live rattlesnakes.

New German Zeppelin Makes Aviation History dirigibl*. HindenburV]

1930—Alvin Karpis—1936 X

Aviation history was made by the new German dirigible, the Hindenburg, when the giant crait

took off from Friedrichshafen, Germany, via F.njfland to Lakehurst, N. J., carrying £>1 passengers. *

This unusual study in contrasting facial expressions of Alvin Karpis, recently captured Public Enemy No. 1, provides a comparison between his appearance in 1930 when he was arrested in Kansas City, Mo., left, and his appearance today as registered by the “custodian of the rogues' gallery" at St Paul where Karpis was taken to face trial after his capture New Orleans.

BANNER WANT ADS PAY

Auto I i ,eii in 30 Your* SEATTLE .UP A White Ste.in er automobile of 1906. complel with brass headlights, safety val\ and copper boiler has stood unus* for .10 years in a garage here. TT cur was driven only a few innntl In 1906 before the owner died an has not been moved since.

Postman I nxung Hero WILMINGTON. Del. (UP' Loui L. Lehan claims the title of ' Th most dog-bitten postman In Amer ca.’’ He has been snapped at a seor or more times and all told has sut feted 14 dog bite wounds. "Would n't it be swell if the governnien awarded stripes tor each dog Lite, Lehan mused.

SAMUEL

THCsitHRCl

-j

HOPKinS’OBEROn JOEL McCREA j

Icraanplay by Mill AN Hill MAN DitCflad by WltllAM WVIER

• ti ••••4 !••• UHlttO Allllll

Chapter One

Commencement exercises were over at Eastern Women's College. Karen and Martha, their diplomas tucked under their arms and feeling extraordinarily lonely, watched the happy scenes of reunion on the campus, girls embracing their fond parents, greeting their brothels and sietere. Karen was entirely alone in the world. Martha had only her aunt. Mis. Mortar, a fluttering foolish woman, vaguely connected with the stage. Mrs Mortar, forever effervescent, rutihed up to greet both girls. “Glorious. gloiious day.'' she exclaimed “Wouldn't have missed it foe the world!” “Yes. glorious." said Martha quietly and a little bitterly. Mis. Mortar turned intimately to Karen. “No matter how many sacrifices 1 made to send Maltha here, they've all been worth it ” And after Martha promised to send her allowance to her she left them to join .-he said bet etock company. Karen and Martha were left standing, staling into space, surveying a bleak future.

"It matters a great deal',” said Karen sharply. She smiled sadly

and added, “There must be this way some time this

'CU- tw

y.

train

me this evening.”

The two girls suddenly became conscious of a hammering sound that hud been gum:; on (or somo time over their heads They looked up to the roof of the house ami stared with puzzlrd faces at a mail wearing gloves and over his head i veil tied under his rhin He was

flat on his stomach, humnu i

lying ft

In his hand, knocking away with wanton happiness the shingles of the roof Around him. hovered hundreds of bees, buzzing angrily. Karen eaugbt hold of Martha’s arm “Is he really knocking down the house”" she asked She stepped a little closer to the houso and railed up. "I say, you! You, up there with the bees!" The young man turned and looked down at them with surprise “Oh yes, how do you do?” ha

said.

“We’re all right, thank you,” Martha said. “But we’re a littli* worried about you. The young man laughed. “You mean the bees.' Oh, I won’t get stung ” "That isn't what we were worrying about,” Karen explained pa-

“Whnt are you going to do?” asked Karen. "I don't know, said Martha slow ly "Teach somewheres, I guons— if I can get a job.” Karen was suddenly struck with a plan. “I have a farm," she said. “My grandmother left It to me. We might start a school there something of our own W<‘ have got to do something. Oh, Martha! Take a chance with mo and come?" • • • Martha and Karen walked from the railway station to where a lU!i2 Buick was parked, on which was tucked u home-made sign "t’axy." The driver, a lean tall man, was seated on the running board staring morosely out ahead. “Could you take us out to Mulberry Hoad”” Karen inquired “It'll be five dollars.’ Karen was taken aback. Observing her reluctance, the taxi man added quickly, "Could go by u little shorter way. Be three dollars. Can t do better ” “Then let's go by the three dollar way," said Karen gaily They got into the car The taxi diiver siaited It suddenly and the cur Jumped forward almost jeiking them out of their seats "Always acts that way on the three dollar trip,” the driver explained. Three dollar way or five dollar way, the car eventually came to a ■top St a dilapidated old m,m- k n, with grounds completely gone to seed, wild underbrush sprung up everywhere, tne picket fence in ruins, the entire effect one of complete rundown, unlived-ln shubblness. Karen's excited happiness completely vanished. Slowlv she and Martha walked down the path to the house, stared horror-stricken at the broken windows. "It doesn't matter, Karen,” said Martha Unally,

tlently, as if she were talking to a not over-bright child. “You see," - indicating the house with a gesture "this is a house, and while it Ira t the best I've ever seen, it belongs to me. And Td rather not

have Its roof knocked off.” “Belongs to you!" the young exclaimed. "You aren't old

i””

man

old Mrs.

Wright, are you' 1

“No,” Karen said angrily. "I’m not old Mrs. Wright She was eighty when she died. I'm her

granddaughter.”

The young man was in no way 1 "I didn't think you looked

calmlv, "but you

“• »i

put out

eighty," lie said

can't tell these days, can you'.'" Ho climbed down from the roof and Introduced himself. His name was Cardin and he was a doctor at a nearby hospital, and It was his notion of a holiday to come here and collect honey. Much to Karens surprise, she found herself before long chatting With th" young man as if she bad known him ail her life And Martha, too, was vitibly attracted to him. Pretty too they were eating his lunch and pou'lng out to him the whole story of their disappointments Dr Cardin begged them to stick it out. "You can borrow a little money from the bank." he explained, and flx up the old place with free help, too. I’m u good carpenter, house painter, and a good plumber." Maltha was strongly for It. “We won’t starve, Karen.” she said. "We'd have free honey ” Karen suddenly took fright. "Why aro we talking to this young man this way," she said trying to disguise her uneasiness with a laugh, "Am If we had known him all

our lives.”

“That happens some times," Dr. Cardin said with a half emlle, but his voire was warm and serioua. (To be continued.)