Newspaper Page Text
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The Atlanta Georgian.
SECOND SECTION
VOL. I. XO. 39.
ATLANTA, GA.,. SATURDAY, JUNE 9, 1906.
On Train* FIVE Cent*,
r~ “ '—^ —— «■(
i.
THE POLICYHOLDERS' PROTECTIVE SOCIETIES
By SAMUEL BARNETT
CONSULTING ACTUARY
S AMUEL HAUXETT. one of the few In
dependent consulting actuaries In the
United States, has written especially
for The Georgian one of the strong
w t statements yet printed on the Insur-
situation. In addition to being a
ere criticism and expose of the methods
employed by the alleged "giants” of the
financial world, the urtlcle contains in
valuable Information and pertinent sugges
tions to not only the policy holders of the
s tate, but to the policy holders nil over
th,. united 8tates.~Ed. Note.
There is no difficulty In marking out the
plans that the policy holders' protective so
liptic* ought to adopt. Neither Is there
any difficulty In putting those plans Into
operation, provided the policy holders au
thorise those to act who know how to do
U The policy holders must approve the
t,la ns and must satisfy themselves they
ire 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 execi**''- 1
Ini* the practical details must be cm _
out by those who know how to do It under
the authority of the policy .holders.
The state of Georgia already has an or
ganized policy holders' protective society.
This society was organized on December
r 1905. Its officers consist of Influential
men all over the state. This society has
never yet taken any active steps.
proposed meeting of the policy holderi ■
March 20 was so sllmly attended the offi
cers have never since that dute attempted
to do anything.
It Is not necessary to call any more pol
ler holders* meetlugs at present. The of
ficers are fully authorized to act.
There are tnree distinct lines of work
that ought to be adopted. None of these
la at nil difficult for the policy holders.
All the policy holders have to do Is. through
their trustees, to see that the work is gen
uine sad carried on In tho Interests of the
policy holders.
Policy Holders Should Vote.
First—The policy holders In all the mutual
companies ought to vote (at nil the annual
meetings) for the policy holders' ticket, but
particularly at the Coming elections In the
fail and winter, at which the hardest fight
will be made. If the policy holders carry
their ticket at these first elections It Is
likely they will have permanent control of
the companies. This applies partlcnlarly
to the New York companies. The New York
law* provide fully how the policy holders
are to vote. In person, or by proxy, or by
mall. Unless all the states unite In nomi
nating n policy holders’, ticket and unite
la voting that ticket, success Is very doubt
ful. This campaign can not be carried on
without organized state societies acting In
foneert. The northern societies are already
making overtures to ULto unite with them
for the common goodf* toll, and It Is em
barrassing and some* Jt humiliating to
tell them we are out w'the fight and are
about to give up our rights, and supinely
submit to the wrongs and scandals that
created so mjich Indignation wheu first
made public.
. on ly °n*bt the policy holders to vote,
h11t . l“*y ought to send on delegates every
ye«T to attend the meetings or the com
panies. so as to find out what little they
can about what is golug on. The policy
holders themselves ought thus to "luvestf-
f?te «■ well ns they can and not leave
1 ., L t( l governments. For the
object of state supervision Is for the Ixmeflt
of the state at large and not to cut down
expenses for the lieneflt of the policy hold-
The policy holders are expected to do
that themselves, if the companies are solvent
and have committed no crimes against the
state the laws have been substantially
compiled with and the Insurance commis
sioners ns a rule can require very little
more of them.
Should Act In Concert.
8econd—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 Is too manifest to
need argument. Particularly Is uniformity
needed In the methods of distributing the
, 2 r 5! u * to the policy holders In the shape
of dividends. Few policy holders have nuy
Idea what abuses may be and are carried on
under the latitude and looseness permitted
In the modes of distributing dividends. If
asked what one thing can the policy holders
do that will protect their rights more than
any other. It Is quite certain the reply
would -be, lay down one definite plan of
dividend distributions and require all com
panies strictly to conform to It.
Can you conceive anything more danger-
to the rights of the policy bolder than
llstrlbute dividends by any plan
the
P nj
pleases?
Tnls has nothing to do with the differ
ence Imtween annua! and deferred divi
dends. There may be no objection to de
ferred dlvldeuds provided that when the
policy holder does get his deferred divi
dends he gets exactly what belongs to him,
and no more and no less. If a policy holder
desires to leave his dividends with the
company to accumulate at Interest, we may
think he Is acting unwisely, but surely ho
ouglut 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 Rule the Companies.
But suppose the company claims for Itself
the right to calculate these deferred divi
dends by any rule It pleases and also to
calculate annual dividends by any rule It
pleases, that Is to say by the same or any
other rule, and to change these rules when
ever It pleases. Under such n system what
rights has the policy holder? Is he not at
the mercy of the company? And yet It Is
not saylug too much to say that this Is
substantially the condition of things today
In the United States. Ask any company
today In the United States by what rule ft
calculates aud declares Its dividends and
It will probably, almost certainly, tell, you
The Table of Comparison. '
Profits earned and dividend paid by five life Insurance companies doing business In
Georgia. Dividends purport to be distributed yearly by the sutue plan:
I -- Company
* | II | F I D | K
Age
Date the policy was Issued
Amount of policy $10,000 $ie.00f
js4t-
Rum
by the contribution plan. Yet thla la uni
formity In nothing but name. The contri
bution plan means one thing to one com-
pauy and something entirely different to
another. It Is conceded that there are near
ly as many different way* of calculating
dividends ns there are companies. Neither
are the differences oraall. The difference*
amount to n very great deni, ns I will
show by particular actual cases later.
Bast 8cheme Possible.
Suppose a company running nt a great
expense and wishing to conceal the truth
holder* by any plan It pleases?
Ing down any uniform
dividend distributions. They ssy It Is Im
possible and would work Hardships.. On
whom?
There Is no difficulty In settling on the
correct plan of dividend distributions. In
the June nnmber of the Insurance Monitor
of New York. I published what I talfeve
—*ry disinterested, fair minded man will
Is substantially the correct plan. Many
the companies opposed the plan, hut I
do not fenr to submit that plan to the
The policy holders need to have the ques
tion of the correct plan of dividend dis
tributions carefully looked Into and thor
oughly defined oml Incorporated into the
law* of all the states so as to require all
companies everywhere to conform to It.
Bureau of Information.
Tlilrd—There Is. however, altogether n
different clns* of work In which the policy
holders ought to engage. The two classes
of work already alluded to consist In di
rectly . controlling the companies, the first
by supervision by the policy holders (hem-
selves and the second by state or govern
ment supervision mndc uniform In the dif
ferent states and more perfect. The third
work the policy holders ought to engage
In Is the establishment of n complete bu
reau of Information for the'r own use and
protection. The Indirect Influence of this
bureau of Information on the companies
will probably be stronger than any direct
Influence that could possibly lx* brought
to bear. Into tbla bureau ahnuld enter the
policy holdera of nil the companies. When
ever. any policy holder receives n dividend
By the uniform method
trlhutlnns approved by the Policy Holdera'
Protective Society, the bureau ahnuld cause
to be calculated from the annual reports
of the companies each year the dividends
that each company ought to pay on <«eh
class of policy, and should compare the
dlvldeuds actually paid by the comjmnles
with these calculations. If these do not
agree something Is wrong.
Records Will 8how.
Front the records of this bureau will he
rhuwu the dividends actually being paid by
each company on each clasa of pc"
every age and policy year, and also
er these results correspond with the state
ments made by the companies to the In
surance commissioners.
These records will thus constitute a per
fect check on the companies nnd furnish
the Meciis of accurate comparisons ns lie-
tween one company and nuother for the
benefit of the policy holders. Under such
n system every tiadty managed company
would lose Its patronage before things
ranched an acute stage.
To n considerable extent this plan is In
operation now by private parties. For
years I have thought such n plan would 1m*
of Inestimable value, particularly to the
policy holders of the Southern states, as we
buy most of our Insurance from outside
companies. Having few companies nnd few
actuaries of our own, our people are tut
educated In Insurance matter* to the ex
tent they might to Im ami no doubt will lx*
soon, so that .such a bureau of Information
Is needed' here In the Mouth more than
ouywhere elae. Consequently to a coushl
ernble extent I have privately run such n
bureau. Rut It needs to he run ou n large
acale under the control and oniictlou of the
organized Tolley Holdera' Protective So
ciety of the state. This society should care
fully investigate the methoda of such a
bureau and Income thoroughly satisfied the
methods nnd the results are correct. The
more extensive the observations the more
satisfactory are the results and the gran
the confidence of the people In the burei
No matter how carefully It tuay be r. ..
by private parties, suspicion of undue bias
and of personal favoritism* will always
be present.
Read This Comparison.
8o ns to give nit idea of tho character of
Information nuch n bureau would furnish I
give an actual case now under tnvestign-
the policy holders. The comparison Is lie
tween five standard companies, all doing
luisitiirHs In Georgia, and we will call them
A. 11. C, D.nmf L\
All these companies In 1189 Isined exactly
the Mine sort of policies, to wit: whole
life policies for premiums payable during
Ihc whole of life to parties all of the saute
age, 51 years, rotqpatiles A, II and C ou
the same mail, the others on other men of
the snine age. each policy being for $10,000,
The only thing the policies differed In at
the start was the amount of the premium*,
nnd we see below these were very nearly
the same In nil the companies. Moreover,
all these policies are on the annual divi
dend plan and each compnnr declares that
It dlatributoa dividends on the contribution
plan. Starting off thus exactly alike, or
so near It we would naturally expect tbnt
these companies would earn approximately
Moreover, we would nntura'll
If from the official atateraenta of each com
pany we were to calculate the profits as
signable In each eoiupanj to the policy
these profits would he alxiut the same as
holder; aud how much
wrongfully withhold whl.. f . .
distribute on the contribution plan every
year everything that Is made that year
appears from the table following.
Have Companiss Bssn Truthful
Attention Is naked to only a few points
ahowu In the foregolug table, t'ompautea
A and II are two New York Giants, the
other companion are outside New York.
A and l! have done u great deal of bualtteas
In Georgia. We see they have earned very
small profits and what Is worse have cither
not pit Id over all the profits they have
earned or else they calculate their dlvldeuds
by it very Inequitable rule or els** they
have made their auntial reports more fav
orable to themselves and Is truthful. One
or the other of these three things Is traces-
ssrtly true, and one Is very nearly ns bail
ns the other. Those extravagant com
panies are the ones that have done the
biggest business In Georgia.
rout patties f nnd D are two mutual
pfiiiles that have earned good profits and
have paid thsse profits In full to the policy
holders as soon as earned.
t’omnauy K Is jt stock company that has
earned very large dividends If Its state
ments to the insurance commissioners lx*
true, hut the company has fallen very
far short of paying over all these profits
as dividends to the policy holder. Yet 10
per cent on the capital stock Is nil that
Its charter allows to he paid to the stock
holders eneb year. Romethlug here needs
correction or explanation.
Policy Holder Gets Excuses.
Innumerable questions similar to the
above vitally affecting the financial Inter
ests of the policy holders arise the moment
any attempt Is made Intelligently and scien
tifically to look Into the policy holder's
side of this business. The policy holder,
la put off with ambiguous answers or no
answers at all. Dlscrepanrien nnd sus
picion* circumstances remain unexplained,
aud the policy holder goes to his lawyer,
who tells him he has no remedy and the
matter Is thus dropped.
Is It not time n little scientific accuracy
should lx» Introduced luto the policy holder's
side of this business, so that if the |x>llcy
holder wants to know the facts inny tie
accessible to the policy holder’s actuary or
the policy holders lawyer?
The way to accomplish this Is to require
the companies to make knowu their peculiar
methods of dividend distributions, and If
inent must be made either by correcting
employed
dlcfes ot
policy holders* nctnnry
Mtonnlly to value the n
clients, mid to tell th .
which are the best contracts for th»*r
take, I do Hot hesitate to any that
policy holders ran never know or enf
their rights adequately till they force
companies to make their reports full cm
for tin outside nctnnry to verify or re
what tip* statements purport to dl*«-
All ambiguities nnd uncertainties mm
removed and the reports should dI-»-
something In reality. And In this i
lx* the method of declaring dividend*
But evert after all this Is done tic r»
holders will need their bureau of lnf<>i
tUm. Nothing can ever dispense with
bureau.
Warnings to Polioy Holders.
First Warnlng-The dividend- paid
company B foregoing are about 12 p-r
of the premiums aud by compouy «' n
27 per cent. Here is a difference of a!
16 per cent. Georgia pays out over
million dollars annually In premium-
which 15 per cent Is about one million
lurs. Think of Oeorgla squandering
million dollars annually. Consumed In
extravagances of outside companle
' *&■
means n great de»d to this stole.
Second Warning—.Mere bigness d
constitute strength. The small profits a
high expense of some of these big “
panics In proof of this. Ilut I wo
call attention to another view of It. Th
{ :lsnt companies A and B have n
o the foregoing policies all the
as they were earned, ss have other »oin-
panics. Companies A and B, tho giants,
owe thsoe bark profits to the policy holders
now and ought to pay them either cash or
In the future with accumulated Interest,
etc. Hnvo these companies enough money
on hand to meet these demands? It Is
easy to approximate that these demands
will aggregate possibly twentr million dol
lar* or more against each company. It Is
generally conceded that about 80 per cent
of these giants’ so-called surplus Is not
surplus at all, but Is liability to deferred
dividend policies. If wo add to this the
liabilities due on annual dividend, due hut.
not paid, amounting possibly to twenty
thousand dollars for each company, we nco
that the so-called surplus or these com
panies practicaly disappear*.
Third Warning—Do not cancel your poll-.
cles. Walt till you learn the situation I
bettor, nnd till you know whether It Is t»i
your Intoreat to cancel or not.
Fourth Warning-Meek your remodles In ,
the legislatures rather than In the court*,
and In seeking to prevent future evils
rather than In seeking to get even with
somebody for the damages already dons
force tho companies through the loiclsln- !
tures to make known tho amounts of nocu- I
mulatlon to date on every claas of deferred i
dividend policy nnd to make known their i
method of dividend distributions. Katab- '
llsb your bureau of Information nnd lot It I
operate perpetually In tho future ns a pre
ventive of such abuses for all time to come.
SAMUEL BARNETT. '
Consulting Actu
Atlanta, Ga.
Captain Gay Returns.
Captain Edward 8. Gay, of the Insu
rance Company of North America and
the Alliance of Philadelphia, who re-
t'jrnel recently from a visit to the
home office of . his companies, says he
looks for a fine increase In business
throughout the Bouth. The Alliance
has secured from its stockholders sub
scriptions of $15 n. share, which, on
the company’s 50,000 shares, will give
$750,000 additional funds, Increasing
the surplus by $250,000, In addition to
paying the losses suffered at San Fran
cisco.
At To 8an Francisco Losses.
Major J. T. Dargan, president of the
Atl&nta-Blrmtngham Insurance Com
pany, who recently returned from Ban
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 that Justice to the stockholders ot
the companies and to other policy
holders requires that all claims should
be thoroughly Investigated before pay
ment, especially as under the confused
conditions resulting from loss of books,
and destruction of even the policies
themselves, In many cases, numerous
false claims have already begun to
come to light.
Whitner, Manry dL Co.
The recently consolidated local agen
cy firm of Whitner, Manry & Co.,
ha* completed alterations to the en
larged quarters on the third floor of
the Prudential building, and now has
°ne of the most commodious offices 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
• position with the Southern States
Life Insurance Company, along the
*ame lines of mathematical work.
Matthews & Hill Get Agency.
A recent viator to Atlanta local of
fices was Agency Director Henry T.
Schick, of the American Casualty
* ompany. of Scsanton, Pa. Mr.
Schick’s company has recently been
admitted to Georgia, and he appolnt-
the local agency fliia of Matthews A
Hill as genera! 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 firm
complete facilltes 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
transferred temporarily to Bir
mingham, Ala., where he will take
°* *he stamping office during
absence of George M. Reynolds on
account of m health.
Q Jennings Leaves Atlanta.
* Q **t cla l Agent George B. Jennings, of
I, ‘ H°yal Insurance Company, will be
fansferred from the Georgia field to
iVl*S ,a an<1 North Carolina, follow-
mc the transfer of thoke states to the
, ,U u , n department on July l.and will
\i . hl8 headquarters at Richmond.
S, r .Jennings will remove his family to
tth'hmond, their former home.
Max Oberdorfer Here.
“ !a * Oberdorfer, of Jacksonville, Fla..
a visitor this week to his brother.
lng of the Alabama Association of Lo*
cal Fire Insurance Agents.
Murphy Appointed Agents.
Otis A. ’Murphy, of Atlanta, recent
ly Appointed special agent of the Vlr-
S nla State Insurance Company of
sorgia, returned today from a trip to
Columbus and Macon, where be ap
pointed as agents of the company Moon
& Clapp, and Cobb, Mallory A Cone,
respectively.
McLendon With Newell.
Manager Alfred C. Newell, of the
Columbian National Life Insurance
Company, has secured for his 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-
R algn In northern Georgia during the
ot weather.
For Tate Spring.
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 hi* family,
who will make their residence here,
following the recent entrance of Mr.
Hatch into the firm of Hatch, Harden
& MrGaughey, Empire building. Mr.
Hatch and his family are spending the
week-end at Llthla Springs.
Drake Want Fishing.
General Agent B. F. Drake, of the
Pennsylvania Casualty Company, has
returned from a fishing trip to the
mountains of North Carolina.
Eugene King a Benedict.
Cashier Eugene F. King, of the Fi
delity and Casualty Company’s Atlanta
office, was married on Wednesday of
this week to Miss Della Hape, of Hape-.
vllle, Ga. They will spend their honey
moon in New York city. Mr. King is
well known to all the Insurance men
of Atlanta, who wish him and his bride
all Joy. Mr. King has been with Man
ager Obe^lorfer continuously for
twelve years.
EXCLUSIVE COACHING PARTY FROM KNICKERBOCKER CLUB
CVAC/flSVUe CIS FM
JdnmpAsr^
rrte-jrABrmoff
kgwm aam
txuint
The flrat union clubhou.e to be built
by n labor organisation In Chicago for
tho u,a of It. rn.mb.re will be erected
nhortly by the Chicago Federation of
Musician*. Tho plnyoni’ homo a. pro
jected will cont 1100,000.
The recent blonnln! convention of
the Commercial Telegrapher*' Union of
America, held In Cincinnati, wh* one
of the moet successful and profitable
gathering* In the hl.tory of the organ!-
aatlon. Among other thing* the con
vention Inaugurated a, mutual benellt
department. The former officer* were
re-elected and Milwaukee wae aelected
a* the meeting place of the next bien
nial.
In no atate of the Union la the agi
tation agalnM child labor more pro
nounced at the present time than In
Maryland. It ha. taken hold of all
claaa.a and axtrnded to all parta of
the atate.
Under Lord Htanley, conservative,
postmaster general of the lialfour min
istry, the employees of the British post-
office department were not allowed lo
orgenlse In labor unions, but under the
new ministry they are accorded full
right to form unlona for the better
ment of their condition nnd wage* and
to confer with the poetmnater general
It Is reported thst John Mitchell,
president of the United Mlno Worker*,
will soon resign that poslilon to enter
the law office of »'I;i■.■ i,.-.• I iiirpow In
Chicago. I'resident Mitchell hns Mud-
led law nnd been admitted to tho bar.
The Went Virginia Federation of La
bor In nnnunl convention at Wheeling
recently, pnsaed resolution* giving per
mission to delegates to enter politics
ar 1 to have committees appointed to
Investigate the etnndlng of nit politi
cal candidates on labor Issues.
The International American Founrt-
rymen'a Association held Its eleventh
nnnuat eonventlan at Cleveland this
week with an attendance of neverul
hundred delegate.,
Oeorge K. McNeil, who died In Bos-
ton recently, was the llrst head of the
Knight, of Labor and In his day wh*
one of the beat known labor leaders In
America.
Labor Commissioner McLeod, of
Michigan, has announced thnt he will
strictly enforce the Inw prohibiting!
children under 14 years to work In fac
tories.
OFFICERS ANNOUNCED
FOR COMING YEAR
Snapshot of the coach of the Knlckbocker leaving New York for a three-hundred-mlle drive to the Gerry
Home, on Lake Delaware. Robert L. Gerry Is driving, snd Colonel Jay la on the box.
Imurera in Birmingham.
General Agents W. L. Reynold! and
R. A. Hancock, of the German-Amerl-
can and London and Lancashire, re
spectively, are today In Birmingham In
attendance upon the annual meeting
of the Alabama Asaoclatlon of Local
Fire Insurance Agent*. Other Atlanta
Insurance men there are R. T. Caldwell,
apeclat agent of the Westcheater;
Oeorge Collins, special agent of the
Norwich Union; Major J. H. Ralne,
special agent of the Phentx, of Hart
ford; Special A* ent J - 8 - R** ne - ot th ®
Atlas, and othera.
Gtssltr Harrison Hsr*.
Special Agent Oeesler Harrison, of
the Phentx. of Brooklyn, la a visitor
this week to the department offices of
Genera! Agent H. C. Stockdell. Mr.
Harrison makes hi* headquarters at
Richmond for the state of Virginia, and
has not been In Atlanta for some time.
He sav# the town grow* between visits
like a mushroom.
Ptschall Makes Chang*.
General Agent E. K. PaschaU re
turned to Atlanta this week from a
visit to deportment headquarter* at
-— - — . Columbia.' His offices have been re-
Eugene Oberdorfer, of the FI- moved from the ninth floor of the Em-
I 1 T' 1 f '**ua!ty Company. Mr. [ ,,lrr building to the sixth floor, In con-
I-, ,,rr “r has one of the largest fire • Junction with those of his local agents,
vr.ime agencies at Jacksonville. Matthews & Hill.
Frisnd Has Returned. Woodruff Like* Outlook.
, •'Tfial Agent R. Mcl. Friend was Manager Frank t. Woodruff, of the
at hi* At'anta headquarters, jMIchlgan Mutual Life, returned this
•ns a month’s trip to the Ala-; wees l -om a trip to Millville, Ga. He
1 ond Florida agencies under his jsavs In. oranee condition* In the soutn-
' i*n. He went to Birmingham i ern stct'nns -uf the state are parttcu-
t.-da/ ; 0 attend the annual meet- Isrty foe, 1.
VASSAR GIRLS POKE FUN
AT GAEKWAR OF BARODA
By Private Leased Wire.
Nsw York, June »,—The June num<
ber of "Vaasar," th* monthly maga
sine written by the girl* of Vassar
College, has been recalled by the facul
ty, owing to. th. publication of satire
on his highness, the Oaekwar of Baro-
da, who paid a visit to Vassar In May.
But the suppression of the magazine
has not prevented the poem being sung,
and this was done with great enthusi
asm today at the Junior-senior boat
ride.
Appointed by Governor.
Special to The Georgian.
Hamilton, Ala., June t.—Governor
Jelks has appointed Hon. J. T. John
son, of this place, as a member of the
local board of control of the W. A. A.
B. The vacancy was caused by the
resignation of lion. C. E. Mitchell.
Largo Crop of Candidates.
Special to The Georgian.
Hamilton, Ala., June (.—In thla coun
ty there are three candidate* for the
legislature, eight for sheriff and nine
for county commissioner from the First
and Third districts.
It la thought that three or fouy more
will announce toon.
To Recommend Appropriation.
Special to The Georgian.
Hamilton. Ala., June Dr. R. M.
Cunningham, candidate for governor,
has stated to President II. O. Sargent,
of the West Alabama Agricultural
school, of this place, that tn case he
Is elected governor he will recom
mend In his message to the house
larger appropriations for th* district
agricultural school* of Alabama.
MEMORIAL SERVICES
HELD AT OEDARTOWN
Special to The Georgian.
Cedartown, Go., June The various
churches of the city have suspended
Sunday morning service* and all their
congregations will attend the E|k*'
memorial at the opera house. On ac
count of the summer heat th* exercises
will begin promptly at 10:10 o'clock
a. m.
An Interesting program has been ar
ranged.
The memorial sermon will be preach
ed by Dr. S. B. Ledbetter, of Rome.
Special vocal and Instrumental music
will be given.
Ar* Still at Large.
Special to The Georgian.
Hamilton, Ala., June 0.—The Stuckey
brothers, who shot and wounded Frank
Milligan In the western part of the
county a few days ago, ar* still at
large.
THE NEWS FROM HOME.
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When .you leave Atlanta for
your summer vacation, drop a
postal with your address to the
circulation department of The
Georgian, and th* paper wttt be
mailed to you at the regular
carrier rat* to city subscribers,
of ten cents a week. When no
tifying the office bi this man
ner, add your home address also.
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Special to Th# Georgian.
DariiMrill*, 'In., June 9.—Mrntenant
lloscoe II. Hearn, roinnisudaiit of the Gor
don Institute battalion, announce* th* fol
lowing s* th* ImiKirtant offleera for nest
esr, beginning with Ihe fall terra: O. W.
-baaklli ~ “
i, major; T. M. Fitzpatrick. Aral
Emmet Ward, accom! captain; H.
i, third captain; fJ. W. Wight, flrat
INSURANCE LEGISLATION
PROPOSED IN LOUISIANA
Special to The Georgian.
Baton Rouge, La., June If the bill |
thnt Representative Stroudbeek has In- t
traduced In the house goes through at
this sssslon of the state legislature, th*
people of Louisiana will bo better pro-'
tected In their dealings with foreign
Inaurance companies doing buslne**
here. Under th* provisions of the hill
no lire or marine or flro nml marine,
BRIGHT PROSPECTS
FOR GOOD COTTON CROP
Special to The Oeorgtan.
Eeyinton, Ga., June t.—The crop In
this county Is In better condition and
the prospects brighter than for years
past.
Cotton Is well chopped out, and Is
now receiving Its second plowing.
Corn has been already plowed twice,
and la In' line growing condition.
Very little. If any. more cotton ha#
been planted this year than last, and
fully as much corn.
Distanced th# Other Two.
Special to The Georgian.
Hamilton, Ala., June Harvey Sar
gent, of Rusellvllte, has been elected
mayor of Russellville on tbe prohibi
tion ticket. His votes exceeded thoes
of the other two candidates combined.
THROUGH SLEEPING
CAR LINE TO
Wrightsville Beach, N .0.
Commencing Saturday. June tbe 9tb,
and continuing each Saturday during
the montba of June, July and Au
gust, through sleeping ears will be op
erated, delivering passengers at the
hotels at Wrtghtavllle Beach, leaving
Atlanta at »:3S p. m.; returning, leare
Wrightsville each Thursday, arriving
Atlanta the following morning at 3:30
a. m. Season tickets *18.5S; week
end tickets, good for five days, ISA'S.
SEABOARD.
B. Davis. I
lleiiti-nsnt and ailjutnnt; .1 W. raatelbiw,
Hist lleiitensnt amt qunrierroaster; J. i\
nircb, J. C. Mlnnette, It. I,. Watson, first
lieutenants; II. I,. Autry. J. II. I'ltls, II.
II. Williams, second llrutennnla. --------
Following are (be non-cominlMloned Ntsff: Louisiana, when organ!
It. I.. Hr*.well, *erge*nt major; W. II. i law* of other states, union* It ha
Coleman, qusrtrrmaalef sersssnt; I’. I* paid-up capital of $3*4.000 or m.
• 1 M “ r P h *r-1 or at least $300,000 paid-up capital ,
sergeant and chief luuslrlnn. I a net surplus which, with th
Insurance company can do In
ATLANTANS ADDRESS
INSURANCE CpNVENTION
Hpprial lo Tb« OtorgUo.
Illrmltifham. Ala., Jon# 9.—Atlanta man
figured promlnrntljr lo tba convention of
I bo Alabama Fire Under wrl tare' Aeeocla*
tlon, which hna Joat rloaed. Prominent
among the apeiikera at the closing aeaalon
were W. I*. Hejnolda and It. A. Hancock,
of Atlanta. Mr. Ilevnolda dlacuaaad the
duty on agent owea himself. The general
work of a fire Insurance agent waa handled
by Mr. Hancock.
One of Ihe net nddreaaea of the conrra*
tlon waa delivered by A. M. Hcboen, of
Atlanta, who la connected with the Mouth-
eaatern Tariff Association In tbe capacity
of an einert electrician.
The following offleera were elected; Prea-
Idrni. It. II, Mabry, of Melina: vkr presi
lient. Henry B. Mcott. of New Decatur; aec-
retarjr-trcasiirer, B. 8. Moore, of Birming
ham; ezecutlve committee. It. F. Manley,
J. B. Davidson, £. D, Bat re, H. I*. Crook
nnd W. F. Fltta.
Montgomery waa cboaen aa tbe next meet
ing place.
At 7 o'clock Uat night the Inaurance men
j up capital, will aggregate $260,000.
AN ELECTRIC RAILWAY
TO LOUISIANA'S CAPITAL
Special to The Georgian.
New Orleans, La.. June $.—J
trio railroad connecting New
with Baton Rouge, the stste
n distance of 10 miles over the
railroad connectlona, I* projec
the gentlemen Interested, amon
ar* local and foreign capitalist*, feel
certain of the sucesaa of their plan*.
Th# corporation that I* to bluld the road
ha* been organised under the name of
the New Orleans and Baton It
Railroad Company, and the ca
stock has been placed at $3,$04,40'
l elec-
• rlenn*
apltal.
• rexent
«!. and
[•ital
SOCIALIST TICKET WILL
BE IN THE FIELD
Bpeclal to The Georgian.
New Orleans, La., June *.—The
lienqnet. Which wss a sucres* in trrff p*r-'| clallsts of this city will put up . andl
tlruiar. |dates for Congress in the First and
Second congressional dlatTh-i - They
ARRE8TED ON SUSPICION
OF MURDER OF SHERIFF
will open the campaign on July 4.
Suit Against Sher
| Special to Th# Oeofgtan.
Birmingham, Ala.,
Special to The Georgian.
Hamilton, Ala. June Francla I _
Yielding, of Hackleburg, brought a >>•-1 has boeo brought against
gro from the railroad camps and placed t Burgtn, sheriff of' Jefferson cou
him In Jell here a few evenlngi ago. 1 the death of a fusime who «
The negro 1* thought to be th* .one by two dsp-iti-- 'Idle altcmi
who murdered th# sheriff of Coving- I place the man un-l- i mr.-t ,,n a
ton county, Mississippi. In January. A of murder. Th.--on Is br-.ugln
thousand dollar reward had been offer- administratrix of th* * -tat* .it
ed by the* authorities In Mississippi HIH the dead man. v ho «a* *
snd the description sent out tattle*; killed while todeavoi Ini; P. x-
with the negro arrested. from 11 • ®• : - "P.«* y**ar ago.