Newspaper Page Text
SECOND SECTION
1
Phe Atlanta Georgian.
SECOND SECTION
VOL. I. NO. 39.
ATLANTA, GA., SATURDAY, JUNE 9, 1906.
ODTET?. In Atlanta TWO r>nta
Jt lUUili. on Traint FIVE Cent*.
THE POLICYHOLDERS' PROTECTIVE SOCIETIES
By SAMUEL BARNETT
CONSULTING ACTUARY
V—
S amuel babsbtt, one or the te\r in.
dependent consulting actuaries In the
United State*, hue written especially
for The Georgian one of the strong-
fs , statements jet printed on the Insur*
gn< .„ fituntion. In addition to Mug a
gerer* cHtlclam and expose of the methods
employed l»J the alleged "giant a" of the
fiitnnrlal world, the article contains In*
tnlualde Information and pertinent sugges
tions to not only the policy holders of the
in tc, but to the policy holders all over
the United 8tates.—Ed. Note. *
There Is no difficulty In marking out the
plmm thnt the policy holders’ protective so*
'■let I*** ought to adopt. Neither la there
a „v difficulty In putting thosp plana Into
(■iteration, provided the poller holders au
thorize those to act who kno* how to do
it The policy holders must approve the
Jdniis ond muat Mtlsfy themselves they
' being executed correctly and In the
Interests of the poller holders. The policy
holders must stand behind the movement
and see that It Is being properly executed.
Sot the practical detail* muat be carried
' , i,v those who know how to do It under
•h.. authority of the poUey holders.
The state of Georgia already haa an or-
caidzed policy boldera’ protective society.
This society was organised on December
r 1906. Ita officers consist of Influential
nil over the state. This society has
never yet taken any active steps. The
proposed meeting of the policy holders on
March 20 waa so allmly attended the offi
cers hare never since that date attempted
to jt* is*not *ueceaaary to call any more pol
icy holders' meetings at oresent. The of-
V:«. r . ore fully authorised to net.
There are three distinct lines of work
tint ought to be adopted. None of these
? at all difficult for the poller holder*.
Ail the policy holders have to do la. through
ti,.>lr trustee*, to see that the work 1* gen
uine and carried on In the Interests of the
policy holdera.
Polioy Holders Should Vote.
Flrat—The policy holders In all the mntusl
companies ought to vote (at all the annual
meetings) for the policy holders’ ticket, but
particularly at the coming elections In the
fall and winter, at which the hardest fight
will Ik* made. If the policy holders carry
their ticket at these first elections It It
likely they will have permanent control of
"he companies. This applies particularly
to the New York companies. The New York
laws provide fully how the policy holdera
are to rote, ip
mall. Unless i
natlng a polic
In voting thnt tlcxer, success is very nouut-
/ul. This campaign can not be carried on
without organised state societies acting In
concert. Tne northern societies are already
making overtures to us to unite with them
for the common good of all, and It Is em
barrassing and somewhat humiliating to
tell them we are out of the fight and are
about to give up our rights, and supinely
submit to the wrouga and scandals that
created so much ludlgnatlou when first
made public.
. Notoaly ought the policy holders to vote,
but they ought to send on delegates every
year to attend the meetings or the com
panies. ao aa to find out what little they
can about what la going on. The pollc
hnhlera themselves ought thus to “Inveatl
gate as well os they can nnd not leave
It all to the atate governments. For the
object of state supervision la for the benefit
of the atate at large and not to cut down
am! have committed no crimes against the
state the laws have been substantially
complied with and the Insurance commie-
-- - ru j e cm require very little
alonera aa
more of them.
Should Act In Concert.
Second—The policy holders ought to act
In concert In procuring equitable and fair
laws and uniformity In all the laws of the
different states. This la too manifest to
need argument. Particularly la uniformity
needed In the methods of distributing the
surplus to the policy holders In the shape
of dividends. Few policy holdera have any
Idea what abuses may be and are carried on
under the latitude and looseness permitted
In the modes of distributing dividends. If
aaked what one thing ran the policy holders
do that will protect their rights more than
any other. It la quite certain the reply
would l»e. lay down one definite plan of
dividend distributions and require all com
panies strictly to conform to It.
latrlbute dividends by any plan
It pleasest
Thl« has nothing to do with the differ
ence between annual and deferred divi
dends. There may be no objection to de
ferred dividends provided that when the
policy holder does get hla deferred dlvl
dends • • -- *■ -
(lends he gets exactly what tielonas to him,
and no more nnd no leas. If a policy holder
desires to leave hla dividends with the
company to accumulate at Interest, we may
think he la actlug unwisely, hut surely he
ought to have that right, and no harm Is
done by anybody If at the end of the time
the company gives him all that ought to
be coming to him.
Should Rulo the Companies.
But suppose the company claims for Itself
fhe right to calculate tbepe deferred divi
dends by any rule It pleases and also to
calculate annual dividends by any rule It
pleases, thnt Is to say by the same or any
other rule, nnd to change these rules when
ever It pleases. Under such a ayatem what
rlghta has ^ •- *- * -*•
the mercy
not saying ... .
substantially the condition of thlnga today
In the United Ktatea. Ask any company
today In tho United Htntes by whnt rule ft
calculates and declares Its dividends and
It will probably, almost certainly, tell you
The Table of Comparison.
Trofita earned and 'dividend paid by five life insurance companies doing business In
Georgia. Dividends purport to l>e distributed yearly by the acme plan:
FT
by the contribution plan. Yet this la uni
formity In nothing bqt name. The contri
bution plan means one thing to one com
pany and something entirely different to
another. It Is conceded that there are near
ly as many different ways of calculating
dlrtdendf aa there are companies. Neither
are the differences small. The differences
amount to a very great deal, ns I will
show by particular actual rasea later.
Beat Soheme Possible.
Suppose a company running nt a great
expense and wishing to conceal the truth
from the public. Can you conceive of any
liberty this company would enjoy aa much as
the liberty to declare dividends to the policy
holdera by any plan It pleases? Could ft
—ym.t
lee any scheme that would fnrnlah bet
opportunity to cover up Its tracks nnd
conceal Ita meandering*? Hence we find ell
the extravagant companies opposed to lay
ing down any uniform, definite plan of
dividend distributions.- They say'll la Im
possible and would work hardships. On
whom ?
There Is no difficulty In settling on tho
correct plan of dividend distributions, in
the June number of the Insurance Monitor
of New York. I published what I believe
every disinterested, fair minded man will
aay la substantially the correct plan. Many
of the companies opposed the plan, but 1
do not fear to aubmtt thnt plan to the
courts and to nny Intelligent Imdy of bust-
ness men and experts anywhere.
The policy-holders need to have the quea-
..on of the correct plan of dividend dis
tributions carefully looked Into nnd thor-
uud Incorporated 111 to thi
* states so aa to require al
rywhere to conform to It
mighly defined
laws of nil the
companies everywl _
Bureau of Information.
Third—There la, however. Altogether a
different class of work In which the policy
holders ought to engage. The two classes
of:work already alluded to constat In dl*
•ra l
go
supervision made uniform lir the dlf-
states and more perfect. The third
will probably lie stronger than nfiy direct
Influence that could poatIMy he brought
to bear. Into this bureau should enter the
Ily the uniform method
trlbutlona approved by the Policy lb
Protective Hoclety, the bureau should
to he calculated from the annual reports
of the companies each r
thnt each company ough
class of policy, and should compare the
dlvldeuds actually paid by the coumanles
with these calculations. If these do.
ntav something Is wrong.
Records Will Show.
From the records of this bureau will be
shown the dividends actually being paid by
each company on each class of policy, st
every age and policy year, and also wb#th
er these results correspond with the state
meat a made by the companies to the In
aura nee commissioners.
These records will thus constitute a per
fect check on the cotnpanlea and fnrulsb
the means of accurate comparisons as l»e-
tureen one company and another for the
Iteneflt of the policy holders. Under auch
a system every badly managed company
would lose Its patroiiage before things
reached an acute stage.
To n considerable extent thla plan la In
operation now by private parties. For
Jeara 1 have thought auch a plan would lie
of Inestimable value, particularly to the
policy holders of the Southern states, as w*
buy most of our Insurance ft out outside
companies. Having few companies nnd few
nctuarlca of our own, our people are un
educated lu Insurance matters to the ex
tent they ought to be and no doubt will In*
- ti. ao that tu *
needed here
acale und(
organised
nut It needs to Im run on a large
•f the control and aauctlon of the
J Policy Holdera* Protective Bo-
clety of the atate. Thla society should care
fully Itirestignta file methods of such a
bureau and tiecome thoroughly satisfied the
methods and the results are correct The
more extensive the observations the more
... „ be run
private parties, suspicion of undue Idas
and of personal favoritism* will always
be present.
Read Thla Comparison.
Ho as to give nu Idea of the character of
Information auch a bureau would furnish 1
give an actual cnae now under Investiga
tion. For obvious reasons 1 withhold tne
names of the companies and the names of
the policy holders. The comparison Is bo*
tween five standard companies. all doing
business in Georgia, and we will call them
A. II. U. D ami R.
All these companies In 1889 Issued exactly
the aniue aort of policies, to wit: whole
life policies for premiums payable during
tho whole of life to parties all of the eaiue
PHH ItUL W
The only thing the policies differed lu at
the start was the amount of the premiums,
and we see below these were very nearly
the same In all the companies. Moreover,
all these policies are on the annual divi
dend plan nnd each company declan** that
It dlatrlhutea dividends mi tho contribution
plan. Htartlng off thus exactly alike, or
ao near It we would naturally expect that
these companies would earn approximately
Moreover, we would natural!
If from the official statements of each com
pany we were to calculate the profits as
signable In each company to the policy
these profits would be about the same as
the dividends paid that year. How much
more profits some companies make than
others: how differently they pay these
E roflta after they are made to the policy
older: and l»ow much some companies
wrongfully withhold while professing to
distribute on the contribution plan every
year everything that Is made that year
appears from the table following.
Hava Companies Bssn Truthful
Attention Is naked to only a few points
shown In the foregoing table. Companies
A And II are two New York Giants, the
other companies are outside New York.
A ami B have done a great deal of business
In Georgia. Wo see they have earned very
small profit* and what Is worse have either
not paid over all the profits they have
earned or aloe they calculate their dividends
by a Very Inequitable rule or else they
have made their annual reporta more fav
orable to themaelvea and Is truthful. Ou«
or the other of these three things Is neces
sarily true, and one Is very nearly as bad
aa the other. Thsae extravagant com
K inlea are the onee that h
ggest business In Qsorgls.
Companies c and D are tw<
panics that have earned goc
two mutual com
.jive paid these profits
boldera sa anon aa earned.
Company E la a stock company that has
earned very large dividends if Its
iWog
very large dlvtdende if its state
ments to tne Insurance commissioners In*
true, but the compeny bus fallen very
- — -- ..srra. a if then
roflta
all these rroi
_ policy boidtr. Yet __
per cent ou the cnpltnl stock !• ell thet
Ita charter allows to he paid to the stock
holder* each year. Kometblng here needs
correction or explanation,
Policy Holdor Oats Excuses.
Innumerable questions similar to the
above vitally affecting the financial Inter-
eats of the policy holdera eriee the momeut
any attempt la made Intelligently and scien
tifically to look Into the policy holder's
side of thla business. The policy holder
Is put off with ambiguous answers or no
auswera at all. Discrepancies and aus
picious circumstance* remain unexplained,
and the policy holder goes to hla lawyer,
who tella hltu he has no remedy and tho
matter Is thus dropjMMt.
la It not time a little scientific accuracy
should 1st Introduced Into the policy holders
side of thla business, so that If the policy
holder wants to know the facta may be
•cceaelhle to the policy holder's actuary “
the policy holdera lawyer?
JBPJNp ._ Jtplleh this Is to require
the companies to make known their peculiar
methods of dividend distributions, and If
the dividends paid by the companies fall to
tally with the companies’ official reports to
Ithc Insurance commissioners the adjust
ment must be made either by correcting
the statement or correcting the dividend.
I have no enlinoeity toward any par
ticular company or any particular methods
that are equitable. Hut simply aa the
policy holders' setunry employed j.rofoH.
slonnlly to value the indictee of •■••rtidii
cllenta, and to tell tneui profe-^lonMilv
which are the l>e*t contracts for them to
take, I do not hesitate to say that »lu*
policy holdera can never know or enf
their rights adequately till they force «!*•-
companies to make their report* fnll #no»sU
for an outside actuary to verify or ref , —
what the statements purport to dlscloaej
All ambiguities and uncertainties mn»t
removed and the report* should <11-:
something In reality. And In thl* ni'.st
l*e the method of ileclsrlog dividends.
Hut even nfter all thla Is done the j . t ./
bolder* will need their bureau of mm
tlon. Nothing can ever dispense will)
bureau.
Warnings to Policy Holders.
First Warning—The dividends paid
company II foregoing are about 12 per »
of the premiums and by company C nt
27 per cent. Here Is a difference of nt
16 per cent. Georgia pay* out over
tars.
mlllld
extravagances of outside companlei
see there Is not much theory In this -i
tlon. It comes home to our pockets, and
mean* a great deal to thla state.
Hccond Warning—llere bigness does not
constitute strength. The small profits ond
high expense of aoroe of these i>ig com
panies Is j>roof of this. But I want to
call attention to another view of It. Then..
giant companies A sad FI lure not paid
to the foregoing policies all the profit*
aa they were earned, as have other emu*
psnlea. Companies A and It. the gianra,
owe these bark profits to the polky hoid.-rs
now nnd ought to pay them either rash or
In the future with accumulated interest,
etc. Have theee companies enough
on hand to meet these demand*?
easy to approximate that these dt
will aggregate possibly twenty tnllli
Isrs or more —‘— — L
generally com
of these glnut#’ so-called surplus Is
lus st all, hut la liability to dafei
lonmnda
lion dot* i
V- It la
ty to deferred.
Ida to this the
rid end, du
possibly
rs for each company, we s<-e
the so-called surplus of these com
panies practically disappear*.
Third Warning-Do not cancel your non-
cles. Walt til! you learn the hit nation
hotter, and till you know whether It
your interest to cancel or not.
| for the damages alreni
force the romimnle* through th" J*»*r1 *]*.
turns to mske known the amounts of h
initiation to date on every class of defci
dividend policy and to make known
method or dividend distributions. I
llsh your bureau of Information and
operate perpetually In the future as r
ventlve of such abuses for all time to ■
HAMUKL HAUNT I I.
Consulting Actunry.
Atlanta, Os.
EXCLUSIVE COACHING PARTY FROM KNICKERBOCKER CLUB
CcpUin Gay Return,.
Captain Edward 8. Gay, of the Insu
rance Company of North America and
the Alliance of Philadelphia, who re-
tunjel recently from a vlelt to the
home office of hie companies, eaya he
look, for a fine Increase In buelneea
throughout the South. The Alliance
he. recti red from Ita stockholders sub
scriptions of $15 a share, which, on
the company's 50,000 shares, will give
1750,000 additional funds, Increasing
the surplus by $250,000, In addition to
puylng the losses suffered at San Fran
cisco.
As To San Francisco Losiei.
Major J. T. Dargan, president of the
Atlanta-BIrmlngham Insurance Com
pany, who recently returned from San
Francisco, says the attitude of the
California dally press, as a whole, Is
hostile to the Insurance companies,
which are doing their best to settle
claims with promptness and equity.
They do not seem to bear In mind the
fact (hat justice to the stockholders of
the companies and to other policy
holders requires that all claims should
hr thoroughly Investigated before pay
ment, especially aa under the confused
condition^ resulting from loss of books,
end destruction of even the policies
themselves. In many cases, numerous
false claims have already begun to
come to light.
Whftner, Manry A Co.
The recently consolidated local agen
cy firm of Whltner, Manry A Co.,
has completed alterations to the en
larged quarters on the third floor of
the Prudential building, and now haa
one of the fnoat commodious ofllcea In
the city.
Langford Makes Change.
C. A. Langford, who has for some
years been chief clerk for Actuary
Samuel Barnett, has resigned to take
a position with the Southern 8tates
Life Insurance Company, along the
same lines of mathematical work.
Matthews A Hill Get Agency.
A recent vlstor to Atlanta local of
fices was Agency Director Henry T.
Schick, of the American Casualty
Company, of Scranton, Pa. Mr.
Schick's company has recently * been
admitted to Georgia, and he appoint
ed the local agency Arm of Matthews A
Hill as general agents for Atlanta and
vicinity. They will represent the com
pany for,all lines. Including accident,
liability and plate glass, and the addi
tion to their office affords the Arm
complete facllltes for writing every
form of Insurance extant.
Hugh Kirkpatrick Transferred.
Hugh Kirkpatrick, a well known At
lanta boy. and an employee of the
Southeastern Tariff Association, has
h-'-n transferred temporarily to Bir
mingham, Ala., where he will-take
charge of the stamping office during
the absence of George M. Reynolds on
account of 111 health.
Jsnningt Leaves Atlanta.
•Special Agent George B. Jennings, of
the Royal Insurance Company, will be
'rnnsferrtd from the Georgia Held to
Virginia and North Carolina, follow
ing the transfer of those states to the
'"Uthern department on July 1. and will
make his headquarter* at Richmond.
■Mr. Jennings will remove hla family to
Richmond, their former homo.
Ing of the Alabama Association of Lo
cal Firs Insurance Agents.
Murphy Appointed Agents.
Otis A. Murphy, of Atlanta, recent
ly appointed special agent of the Vir
ginia State Insurance Company of
Georgia, returned today from a trip to
Columbus and Macon, where he ap
pointed as agents of tbs company Moon
A Clapp, and Cobb, Mallory & Const
respectively.
McLendon With Newell.
Manager Alfred C. Newell, of the
Columbian National Life insurance
Company, has secured for hla office this
summer the services of Lee McLen
don, a well-known producer who has
been representing the company In
southern Georgia. The company Is
about to start a specially active cam
paign In northern Georgia during the
hot weather.
For Tate 8pring.
Local Agent Fox, of the German Al
liance. who has been Indisposed for
the past few days, Is spending a week
or so at Tate Spring.
Hatch Moves to Atlanta.
General Agent Hatch, of the Ocean
Accident, returned this week from Sa
vannah. bringing with him hla family,
who will make their residence here,
following the recent entrance of Mr.
Hatch Into the Arm of Hatch, Harden
A McOaughey, Empire building. Mr.
Hatch and his family are spending the
week-end at Llthta Springs.
Drake Went Fishing.
General Agent B. F. Drake, of the
Pennsylvania Casualty Company, has
returned from a Ashing trip to the
mountains of North Carolina.
Eugene King a Benedict.
Cashier Eugene F. King, of the Fi
delity end Casualty Company's Atlanta
office, waa married on Wednesday of
this week to Miss Della Hape, of Hape-
tent/AfieuKc
(tuar/.f far ets rM
AMMESatF-
is PM
mrsfAjirn***
fvwYOJwaAn
mzur
NOTES OF LABOR WORLD
The flrst union clubhouse to be built
by a labor organisation In Chicago for
th* use of Its members will be srseted
shortly by the Chicago Federation
Musicians. The players' home as pro
jected will cost 1100,000.
The recent biennial convention of
the Commercial Telegraphers' Union of
America, held In Cincinnati, was one
of the moat successful and proAtable
gatherings In the history of the organi
sation. Among other things the con
vention Inaugurated a mutual bensflt
department. The former olTIrera were
re-elected and Milwaukee was selected
as the meeting place of the next bien
nial.
In no stale of the Union Is the agi
tation against child labor more pro
nounced at the present time than In
Maryland. It has taken hold of all
classes and extended to all parts of
the stats.
Under Lord Stanley, conservative,
K stmaster general of the Balfour mln-
ry, the employees of the British post,
office department were not allowed to
organise In labor unions, but under the
new ministry they are accorded full
right to form unions for the better
ment of their condition end wages end
to confer with the postmaster general
It Is reported that John Milch,
president of the United Mine Workers,
will coon resign thnt position to enter
the law office of Clarence Darrm, in
Chicago. President Mitchell linn -1U'l-
led law nnd been admitted to the bar
The West Virginia Federation ,.r La
bor In annual convention at Wheeling
recently, passed resolutions giving per
mission to delegates to enter politics
cul candidates on labor Issues.
The International American Fmiml-
rymen’e Association hsld Its eleventh
nnnual convention at Cleveland this
week with an attendance of several
hundred delegates.
George E. McNeil, who died In Bos
ton recently, was the flrst head of the
iKnlghts of Labor and In hla day was
one of the beet known labor leaders in
America.
Jjihnr Commissioner McLeod, of
Michigan, has announced that he will
strictly enforce the lew prohibiting
children under 1$ years to work In fac
tories.
OFFICERS ANNOUNCED
FOR COMING YEAR
Snapshot Of the roach of the Knlckbocksr leaving New York for a Ihrae-hundred-mlle drive lo the Gerry
Home, on Lake Delaware. Robert L. Gerry la driving, and Colonel Jay la on Ihs box.
Max Oberdorfer Hire.
Max Oberdorfer, of Jacksonville, Fla.,
«as a visitor this week to his brother.
Manager Eugene Oberdorfer, of the FI
vllle, O*. They will spend their honey
moon In New York city. Mr. King la
well known to all the Insurance men
of Atlanta, who wish him and his bride
all Joy. Mr. King has been with Man
ager Oberdorfer continuously for
twelve years.
Insurers in Birmingham.
General Agents W. L. Reynolds and
R. A. Hancock, of the Oerman-Amerl-
can and London and Lancashire, re
spectively, are today In Birmingham In
attendance upon the annual meeting
of the Alabama Association of Local
Fire Insurance Agents, other Atlanta
Insurance men there ere R. T. Caldwell,
special agent of the Westchester;
George Collins, special agent of the
Norwich Union; Major J. H. Ralne,
special agept of the Phenlx. of Hart
ford; Special Agent J. 8. Ralne, of the
Atlas, end others.
Gassier Harrison Here.
Special Agent Gessler Harrison, of
the Phenlx, of Brooklyn. Is a vltltor
this week to the department offices of
OenertU Agent H. C. StockdelL Mr.
Harrison mokes his headquarters at
Richmond for the state of Virginia, and
has not been In Atlanta for some time.
He says the town grows between visit*
like a mushroom.
Patchall Makes Chang*.
General Agent E. E. Paschal] re-
turned to Atlanta thl* week from a
visit to department headquarters at
Columbia. Hi* office* have besn re
moved from the ninth floor of th# Em-
firllty and Casualty Company. Mr. p | r e building to the sixth floor. In con-
Cberdorfer has one of the largest Are ! junction with thoee of hls local agents,
insurance agendas at Jacksonville. | xatthews A Hill.
Frisnd Hss Returned.
Spedsl Agent R. Mcl. Friend wss I
Woodruff Like* Outlook,
opeciai Agent n. sci. menu W— j this
thl* week at hls Atlanta headquarter*. Ifichfgap £*%, t I!SSl* l SL He
7->llowing a month’s trip to the Ala- j wsea from a trip to MUH1lte. Oa. He
lama and Florida.agencies under hi* esye Ineumnce condlttnne In theeoutn-
- jpervislon. He went to Birmingham | em sections of the state are partlcu-
Vuursday to attend the annual meet- larly good.
VASSAR GIRLS POKE FUN
AT GAEKWAR OF BARODA
By Private Leased Wire.
New York, June The June num
ber of "Vesear," the monthly mega-
slne written by the girl* of Vesear
College, has been recalled by the facul
ty, owing to the publication of satire
on hls highness, the Gaekwar of Baro-
da, who paid a vlelt to Vasear In May.
But the suppression of the magaxlne
has not prevented the poem being sung,
and this was done with great enthusi
asm today at th* Junior-senior boat
tide.
Appointed by Governor.
Special to The Georgian.
Hamilton, Ala., June $.—Governor
Jelks has appointed lion. J. T. John
son, of this place, as a member of the
local board of control of the W. A. A.
8. The vacancy was caused by the
resignation of Hon. C. E. Mitchell.
Large Crop of Candidate*.
Specie! to The Oeorgtan.
Hamilton, Ala., June In this coun
ty there are three candidates for the
legislature, eight for sheriff and nine
for county commissioner from the First
and Third districts.
It Is thought that three or four more
will announce sooh.
Te Recommend Appropriation.
Special to The Georgian. ,
Hamilton. Ala., June Dr. R. M.
Cunningham, candidate for governor,
haa stated to President H. O. Sargent,
of the West Alabama Agricultural
school, of Ibis place, that In ease he
Is elected governor he will recom
mend In hls message to the houee
larger appropriations for the district
agricultural schools of Alabem-
MEMORIAL SERVICES
HELD AT OEDARTOWN
Special to The Georgian.
Cedartown, Ga„ June $.—The various
churches of the rlty have suspended
Bunday morning services and all their
congregations will attend the Elks’
memorial at the opera house. On ac
count of the summer heat the exercise*
will begin promptly at 10:$0 o'clock
a. m.
An Interesting program has been ar
ranged.
The memorial sermon will be preach
ed by Dr. B. R. Ledbetter, of Rome.
Special vocal and Instrumental music
will be given.
,
Are Still at Large.
Special to The Georgian.
Hamilton. Ala.. June The Stuckey
brothers, who shot and wounded Frank
Milligan In the western-part of the
county a few days ago, are still at
largt.
OOOOOOUOOOOOOOOOQOO
THE NEWS FROM HOME.
When you leave Atlanta for
your summer vacation, drop a
postal with your address to the
circulation department of Th*
Oeorgtan. and th* paper will be
mailed to you at the regular
carrier sate to city subscriber*,
of ten cents a week. When no
tifying the office In (hls man
ner, add your name address aiao.
0OO00O000O0OO00OO00
BRIGHT PROSPECTS
FOR GOOD COTTON CROP
Special to The Georgian.
Eatonlon, Oa., June t.—The crop In
this county I* In better condition and
the prospect* brighter than for years
past.
Cotton Is well chopped out, and la
now receiving Ita eecond plowing.
Com has been already plowed twice,
and I* In fine growing condition.
Very little, If any. more cotton ha#
been planted thl* year than last, and
fully aa much corn.
Distanced th* Other Tw*.
Special to The Georgian.
Hamilton, A/a.. June Harvey Sar
gent. of Rusellvllle, haa been elected
mayor of Russellville on the prohibi
tion ticket. Hie vote* exceeded those
of the other two candidates combined.
THROUG-H SLEEPING
CAR LINE TO
Wrightsville Beach, N .0.
Commencing Saturday, June the ttb,
and continuing each Saturday during
the months of June, July and Au-
gust, through sleeping cars will be 'hr
ere ted. delivering passengers at the
hotel* at Wrigbtavlll* Beach, leaving
Atlanta at 9:35 p. ro.; returning, tear*
Wrightsville each Thursday, arriving
Atlanta the following morning at <1:10
m. Season tickets 118.55; week
end tlckeU. good for Hr* days, $8.25.
SEABOARD.
Hperlsl to Tbs Georgian.
Itarnestlll*. Gs., June 9.—Mi»utanant
Uooroa II. lloaru. rntuinamlniit of tha dor-
don Instltiit# battalion, annotiuiw th* fol*
low!nit aa tho Important nfflrors for hast
In* with tho fall torm: O. W.
H sjor; T. II. Fltsuatrlck. Aral
captain: Kmtm-t Want, aocoml cajitaln; II.
II. It*vis, third psptnln; U..W. wf«ht. flrst
llcntonaut and adjutant; J. W. Uastsllow,
flrat llontonant and qiiartormaator; J. U.
Illrrh, J. U. Mlnuottc, II. I,. Watson, first
Heutennnfs; D. L. Autry, 4. II. Iltta, II.
II. Williams, second lieutenants.
Following are the nou commissioned staff:
It. Is, liraawell, sergeant major;
INSURANCE LEGISLATION
PROPOSED IN LOUISIANA
It. I- liraawell, eargaant major; W. II. ■ laws or other states, unless It
Coleman, .iniirferaiaaler sargeeaQ, F. I* paid-up capital of $26#.(inn t,r
Muvpher. „r at least 1200,00* paid-up oarl
aergaent end ehlef insaletaa. a net i Urp | UI which, with the
ATLANTANS ADDRESS
Special to The Georgian.
Baton nouge, La., June 9.—It the hill
that Itcpreaentatlvo Htroudbark hi
troduced In th* bourn goes through atj
this session of the state legislate
people of Louisiana will be belt*
levied In their dealings with foreign *
Insurance companies doing bualnca , .
here. Under th* provisions of the hill' I
no Are or marine or Are and murine
Insurance company can do business
I-oulsluna, when organised under t
It. | laws of other states, unless it tins
■■■
surplus which, with the i«tld-
up capital, will aggregate $250,000.
INSURANCE CONVENTION AN ELECTRIC RAILWAY
TO LOUISIANA S CAPITAL
Hpcclnl to Tha Georgian.
Illrmlughnm, Ala., June •.^-Atlanta men
figured prominently In the convention of
the AlalKimn Fire Underwriters' Associa
tion, which has Just closed. Pronittfbnt
among the speakers at the closing session
were IV, fa. Reynolds and H. A. Hancock,
of Atlanta. Hr. Hcrpolda discussed the
duty au agent owe* hlm#**lf. The general
work of a fire Insurance agent was baudted ; the gentlemen interested, an uk w
W-J'SSZt -J,1rs.gr. nt lhs» rnhvsh Art f«r*ll*n C*pll 111't <.
<4 W...IVI Irarvl bv>f M, mw ..f I™* «* «* ■EW.? *^ ,r '
Special to Th* Georgian.
Naw Orleans, La.. June An
trie railroad connecting New < >
with Salon Rouge, the state e
a distance of 90 miles over the p
railroad connections. Is proj*< ir.
AttanSTwiEriTSStfi; with 7 h ; *mib‘ Th* corporation that Is to bluM t:
- ' hM been organised tinder th# m
the New Orleans and Baton
Railroad Company, and the <
stock has been placed at S2,5O0,<
eastern Tariff Asmxlatinn lo the capacity
of an expert electrician.
The following officers were elected: Pres
ident, It. II. Slsbi
ham: executive committee. It. V. Manley,
J. K. Imvlilson. L. I>. Ilatre, II. I* Crook
ud W. K. Pitta
Montgomery wss chosen ss Ibe next meet*
ng place.
At 7 o’clock last night the Insurance men
G tbered at the Country Club to enjoy a
mi net, which was a success in every par
ticular.
ARRESTED ON SUSPICION
OF MURDER OF SHERIFF
3
SOCIALIST TICKET WILL
BE IN THE FIELD,
Special to The Georgian.
New Orleans, La., June 9.- 'I
rlallst* of this city will put up
dates for congress In the lit
Second congressional district r
will open the campaign on July
ait'-i
Suit Against Sh*
| Rpectal to Th* Georgian.
Birmingham, Ala., June
iff.
Special lo The Georgian.
Hsmllion, Ala, June 9.—Francis
Yielding, of Hackleburg, brought a ne- | haj | ^ brought I _____
fro from the railroad camps and placed , Burgln, sheriff of Jefferson cmity. ■
him In Jail here a few evenings ago.; the death of » fuxiilve who was -ho
The negro Is thought to he the one ! by two deputies while attempting t-
who murdered the sheriff of Coving- place the man un.!. > on a chnrgi
ton county, Mississippi. In January. A of murder. The suit i- nr ught by the
thousand dollar reward hod been offer- (administratrix of the *»ti
ed by the authorities In Mississippi i Hill, the dead man. who '
and th* description sent out talllea killed while endeavoi
with th* negro arrested. from the officers oi