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THE ATLANTA GEORGIAN. SATUHDAY, OCTOBER 27, 7906. » ^ *L. 7 Officers State Society. President: Dupont Ouerry, Mnron. Flint VIee-Prez.: nr. A. R- Holderby. sociological] grrotul Vice-Urea: pr. E. C. Peete, Mnrnn. g((ret«rj-Trffi»nrer: Dr. \V. T. Joura, Atlanta. Annua! Mori ns In* Silly, 1907. nt Macon. EDITORIAL COMMITTEE-Rev. C. B. Wilmer, J. 1 D. Cleaton, E, Marvin Underwood, Dr. R. R. Kime. 1 Officers Atlanta 8ociety. President: Dr. R. R. Klme. Vice-President: E. If. Underwood. Secretsry-Trea surer: Dr. E. C. Cartledfe. Remlor Meeting on Second Thursday N 1 s U t of Each Month at Carnegie Library. EDUCATION A8 a social factor. probably never before In the hletory of Georgia has there been a keener In terest throughout the state In the ques ,lon of education. The campaign of Mr. Smith has ( nakenrd people to the consciousness of the tremendous else and Importance of our Illiterate vote, which Is over 20 por cent of the total white vote In twelve of the counties of Georgia and over 5d per cent of the total negro vote the state. The recent race riots and the hideous outbreaks of crime among certain ne- . groes has made the question of negro (duration one of the utmost Impor tance. We must know whether the odurated or the Illiterate negro Is con tributing the greater percentage of crime and what are the results of such (duration as has been already given him. No proposition more worthy of consideration has come recently to tho people of our state than that made al most simultaneously by Dr. Stirling and Mr. Walter Cooper, a proposition to establish a commission or nuthorlsed body for the scientific study of the ne gro problem, and, no question to be Investigated by such a body can bo of much greater Importance than that of the social betterment or Injury from educating tho negro. Again, public Interest Itp education has heen quickened by the recent cam paign for child labor laws and the consequent directing of public Interest to the welfare of our children. In many rays they are still to bo protected; In many nay* still developed. While the children In the largo cities of Georgia tiand lowest of all the white children In the United States In point of Illiteracy, while the native-born white children of Augusta are more Illiterate than the native white children of any other large city In the United States, and the native white children of Atlanta fourth lowest In Illiteracy, we can not con gratulate ourselves that the fight for the children has yet been won. These conditions and the Increasing prosperity of Georgia bring vividly be fore us the feasibility of compulsory (duration laws. Such laws have been already adopted by four-fifths of the states of the Union. Three of the former slave-holding states, burdened though they are with negroes, have found It possible to enact laws com pelling school attendance throughout the state; three others have laws lim ited to certain counties or cities. With these Incentives to Interest. It may not he nmlas to consider briefly certain ways In which education proves Its value ns a social factor. This value may not be measurable directly In dol lars and cents, but the real wealth of a nation consjsts not In Its manufnc-1 turfs or things produced, but In the who men produce them. Its monetary wealth will be obviously conditioned upon their powers, physical, mental and moral. The limits to, mental development when education Is denied arc obvious. The Illiterate Is practically devoid of Imagination. Except for the abortive Imagination shown in superstition, he •hows little evidence of It and faces life with n herd literalness and with none of the transmuting power be queathed to all who read by men of lenlus. observation and reason are shown In some degree even by animals, «nd he who has no Imagination and none of tho finer sympathy that It brings is indeed little better than brother to the ox." Seeing In a dull, uncomprehending way, reasoning on little Information and most Inaccurate ly, the Illiterate Is mentally centuries behind the highest of his race and a drug a thousand-fold greater than attv Physical circumstance can be upon Its progress. Even physically, the Illiterate Is apt to carry a mark of Inferiority. Limited to purely manual labor, he goes through the wretched circle of low wages, poor surroundings, disease nnd accident. Morally, too, he la hampered by his aa. Goaded by the keenest pressure for existence, untrained to reason as to right and wrong, with a smoldering «n*e Of Inferiority, he drifts easily' Into pauperism or Is'Impelled to crime An Investigation of the alms houses many community .where the Illiterates tenth of tho population form nuld almost certainly show from ”i. If three-quarters of the In- c,. 1 ."!. 0,ally Ulltcrnte—In other words, mat they imposed on the tax-payer a I"",'! ;™ny times In excess of the normal drift downward from the higher jmpleyments In times ng public deprea- ' n 'he ncute stress of modem I-. show that mental incaparlty •nd that ... W| „ 'linninoA. p U wenes,. Pauperism Is costly, but crime Is far tupldlty “against which the nre powerless. 'JiiWitu” *n his study of the •‘Silmnted that over a million and a quarter of dollars In loss during y«ars was caused to the people at , Iff single family of about 1’,,??. person "- T he great percent of public revenue that goes each year to tne support of courts, the maintenance of police systems, detectives, the build- ing and support of Jails, etc., Is all ex pended for the prevention and punish- The criminal not only d i* 1 * pro rata to the public support, but he amy be an almost limlt- less negative force In the destruction of tne lives of Industrious citizens, and in damage to property, to say nothing poB . 8, hHlty of his propagating otjwr cnmlnalt or inducing crime In „.£?P rov .®' then, that the tendency to crime Is lessened by education would a Btron * argument against illiteracy. McDonald. one of the greatest criminal experts in Amer- ica, maintains that “In Intelligence the criminal Is far below the average." S£*gr A h,n "Force et Matlere," eays that the three great causes of crime are defect of Intelligence, want or education and poverty. In his study Abnormal Man," made for the United 8tates government, McDonald shows conclusively by statistics that while In Italy, Germany and Prance both edu cation and crime had Increased In pro portion to the population, yet in Aus^ N ,? rway . « nd «weden, England. Australia and Japan ns education has become more general crime has per ceptibly decreased. In Wuertemberg, inhere no one over ten was reported as unsble to read or write, there had been a decided decrease In crime. In his report for 1898-99, the United State commissioner of education gives a most interesting table showing how many times as many prisoners 100,000 Illiterates furnish as an equal number of literates, basing It on the United States census of 1890. This table shows that the Illiterates furnish 2.5 m an 7* prl8oner *. a * an equal number of literates, taking the United States as a whole, in the north Atlantic divis ion the proportion Is 2.3; In the south Atlantic division (this includes Geor gia) it is 3.1; In the south central di vision, 2.0; v in the north central divis ion. 2.4; In the Western division, 2.0. That is, In every case Illiterates furnish over twice as many prisoners os an equal number of literates. It Is Interesting to compare the pro portion of colored prisoners In these same divisions. For the United States as a whole, 100,000 Illiterate negroes furnish 1.2 timer as many prisoners as 100,000 literate negroes. in the north Atlantic division, the proportion Is 1.4; In the south Atlantic (and thlsdiicudes Georgia), It is 1.3; In the south central, It Is 1.6; In the north central, 1.0; in the western division, 1.0. 0 As the 4reat mass of negro popula tion In the United States falls In the south Atlantic and the south central divisions, it may fairly he argued that even In their case Illiteracy seems to have some bearing on criminal tend ency. In no division do literates fur nish anything like the same proportion tho negroes of the north central am western divisions. As the negroes In these two divisions furnish a very small per cent of the total* population, and as the total number of colored prisoners in the north central and western. divisions Is a little less than 3,600, the basis of comparison In these two divisions Is too small to be of great Importance as In the two Rout ern ones, where the Illiterates surpass the literates In their tendency to crime. Dugdale puts It rather crudely but forcibly when he says, “Public health and Infant education, conforming In general plan to Froebel's Kindergar ten school, arc the two legs upon which the general morality of the future must travel." Other criminal experts agree fully as to the Importance of education as a preventive or crime. Draehms, In "The Criminal,” says: “The proper care and education of the children of the dependent classes and the very poor, and the enactment of compulsory educational laws, free kindergartens, and Industrial schools, with provision for temporary feeding and clothing, necessary school books for the Indigent poor, taking away such children from their vicious surroundings, and placing them under public control or with fam ilies under legal guardianship or prop er apprenticeship, would do much toward reaching the sources of Incip ient crime and effectively checking It In the bud. This Is the only true and radical theory of Incipient criminal prevention and Is better than attempt ed cure at the chronic or prison stage of the disease." i’ominenting on the high percentage of Illiteracy In Georgia In connection with the recent troubles here, Major Mct’lnughry, deputy warden of the Federal prison, writes me: "We should not have needed to Increase the city and county police forces If our people had been Induced to relieve these conditions (the great Illiteracy) earlier." Victor Hugo said that he who opens a school closes a prison, and there is a vast amount of truth In that statement —a truth to which the people of Geor gla may well give heed. EMMA OARKETT BOYD. BEGIN WITH "SMALL THINGS. parent insignificance, and to be lured Into Inactivity by ambitious Intentions of accomplishing some great and praise-winning task which our Imagin ation’s picture In the far future. We are Constantly overlooking the possi ble, right at our hands, in our fas cinated contemplation of the Impossi ble, the pleasing phantom which looms so large on the distant horizon. This contempt for the small and desire for the large, Is common, ex cessful men. In all phases Indolent man Is going to become In dustrious when he finds work worthy of his time; the poor man will become provident nnd begin to save when he earns a sum worth saving; the church man will turn his attention to the des tltute In his own City, after those of the opposite side of the earth are cared for; the landlord will improve the mis erable 15 per cent bearing hovels of his tenants when all other landlords have done so; the capitalist will In crease the wage of his employees when he has accumulated sufficient millions to Justify it; the Hocial student will be gin his work when he has mastered all the science of sociology; and ao It goes. In our efforts for social Improvement let us, overcoming this procrastinating spirit, see what we can do right now and begin the work Immediately, rather than postpone all efforts until we can accomplish our whole Ideal. Let us consider a social need which we can meet In the very present, without study or preparation. Of course I do not mean that the study of sociology should be neglected; on the contrary. I consid er it one of the first duties of citizen ship, but I wish to emphasize the smaller and ever present duties, which do not require study nnd research for successful accomplishment. One of the greatest social needs of today Is sympathy, that which Is so rare, costs so little to bestow and yet Is so effective. It Is within the power of the rich and the poor of us to give nnd It Enriches our natures and en courages and helps the recipient as nothing else will. All worthy sufferers will not accept mere pecuniary aid, but every one welcomes true sympathy. The word sympathy In Its etymological sense—a suffering with—has ever been a favorite word with me. It expresses the fundamental Idea of sociology and until we learn Its full significance and practice it we shall not succeed In our COME O In Our New Office, Room 520 Candler Bldg. and let us talk to you about this label. We may be able to interest you in a way that will help your business. SEE US Atlanta Typographical Union, 620 CANDLER BLDG. P. O. BOX 266. efforts for social amelioration. In sym pathising with others, we are not re moving their pain* or relieving them of all effort In their own behalf, but we are "suffering with 1 * them, putting our selves In such close touch with them that their pains are ours, too, and wo desire their relief or uplift a* we de sire our own'. Sympathy must precede till reform. Until the misfortunes or wrongs of oth ers effect, us to the suffering point, we remain complaisant and Inactive. Not until Mrs. Browning nnd others awak ened sympathy In the hearts of Eng lishmen for the poor factory children did reform come, and we may rent as sured that not until sympathy for our unfortunate juvenile criminals becomes more general can we expect the aboli tion of our present barbarous and In- effectlvs punitive system add the adop tion of the reformatory method of the treatment of criminals. Sympathy and co-operation are the rules by which we are to solve our social problems and we must hasten their propagation. Fear, vlolenre. Intimidation, oppression and repression have all been tried and found to furnish only temporary relief nnd to create a spirit of hate, distrust and revenge, which will require gener ations to be removed. On the other hand, wherever one has gone In true sympathy and love, he has discovered In the object of hla solicitude an un expected Rwnkenlng and response to this expression of friendly Interest. We can not hope to eucreed In our work with n class different from our selves If we constantly assume the at titude of superiority and condescension. We must feel that kinship which exist* between nil human beings and be keen ly sensitive to the sufferings and sor rows of those whom we would help. •The wonderful success of missionaries In their difficult work among heathen peoples Is largely due to their breadth of sympathy and their consequent wil lingness to come Into close social con tact with those whom they deelre to elevate. There Is so much for us to do along this line In'rtvur dally life. We nre constantly coming Into touch with men whom we could encourage to n higher plane of living by simple kind ness and unostentatious sympathy In our ordinary denllngs with them. Con stant courtesy abd consideration to ward all on our part will soon teach the lessons of respect for the rights of others, so needed In our day, nnd by thnt most effective teacher—example. Let us not be so gealous for our own supposed rights, voguely defined In our minds as the right to the best, and be more eager for the preservation of the rights of society a» a whole. We can not hope to receive from those whose sole means of culture Is contact with ourselves, a higher degree of courtesy and consideration than we show to word them. When we stop to think how small are the opportunities of the great mass of the people and how reetrlcted Is their life, and then of the further fact that we, who could give so much, rarely attempt to help our less fortunate brothers In a social and personal way, hut too often trent them with con tempt. perhaps unconscious, the won der Is that they have attained even to their present standard. We. must break the crust of»soclal pride and prejudice nnd expose the sensitive part of our natures to the Injustice, wrongs and sorrows of thp unfortunate ao that we may know their needs and suffer with them In their struggles; then we shall know how to help them and be eager to do so. ' E. MARVIN UNDERWOOD. ATLANTA WOMAN'S SUCCESS IN THE INSURANCE FIELD Writing life Insurance la a business of which many men have made a fine success financially and aa a profession. Few women enter Its ranks, however, and of these only the most tactful and energetic succeed. Atlanta boasts one woman who has made & conspicuous record In this line. Miss Carrie Klrtley, manager of the women's department of the Penn Mutual Life Insurance Com pany, of - Which Bagley & Wtllet are managers. Bpeaking of her profes sion as. a vocation for women, Miss Klrtley says. In a recent article writ ten specially for The Insurance Field: "None but the womnn who has her self well In hand can become a suc cess In Insurance work and she wards off poaslbls blows Instead of returning them, though when a blow Js dealt she la not afraid to hit back, If It Is worth while. "She who Is willing to foster and ad vance any new work for women must so feet,the courage of her convictions that ahe will aay, 'I can help the In vestment by adding my quota or can compile statistics by my own vigi lance.' "Insurance for women aa protection and Investment has proven Its benefi cence In inatances-enough for the work to be a profession and the field an open one notwithstanding the mariy cautious admonitions of delay from men. “Now, from the standpoint of the enemy: Opposition always makes the advocates of a cause one knows to be right to work harder nnd to fight with more care. While we know the loyalty of lime. It Is trying to wait In silence for the vindication of our theories. "There are many more peculiar phases to be met, but much good to both the buyer and seller will come by holding firmly to this truth: The In vesting or commercial Instinct grow ing In woman has Its quick root In the natural craving for Investing avenues. Insuranco Is an attractive avenue when one with heart and eoul In the pro fession of soliciting presents It." ATLANTA MEN ARE GIVEN BIG SOUTHERN TERRITOR Y The Jefferson Fire Insurance Com pany. of Philadelphia, which has been represented by Major J. T. Dargan, of Atlanta, as general agent', and has been doing p email business In the South, has decided to adopt an ogrea- alve policy from now on, and to that end has made general agency arrange ments with Robert N. Hughs and M. B. Tates, both well-known underwriters of this city, for the states of Virginia, North Carolina, South Carolina, Geor gia, Florida, Alabama, Mississippi, Louisiana and Texas. The company la now entered In all of these etates ex cept Alabama and Virginia, nnd will make application to those states whea their 190* statements are ready for 111 Ing. The Jefferson Is one of the old Philadelphia companies, having com menced operations In 1*96, and was not doing business on the Pacific coast. This arrangement will be effective No vember 1. The now firm of Hughs A Tates will have offices In the Engtlah-Amertcan building. They are young men, but have been associated with the business for many years and nre very popular with local agents, as well as the man agers nnd field men In the Southern states, and with their well-known abil ity should make a team that will soon become a factor In the business nnd put the Jefferson among the leaders In the South. NEWAGENTSTAKEHOLfl OF RELIANCE LIFE CO General Agents Pearce, Maddox Pearce, who for three years past have had charge of the Georgia business of the Chicago Life, this, week announced their new connection which la with the Reliance Life of Pittsburg. The field force of the Chicago Life was-practi cally abandoned by the company on Its recent reinsurance by the Federal Life of Chicago. • The Reliance has already a strong agency plant through the state which was put together by the old firm of Mllledge A Baxter, dissolved recently by the death of the Junior partner in the firm. Captain Mllledge, who Is most favorably known throughout the state, will continue Ills connection' with the company and the new firm, and the combined forces of the old and new general agencies will make i strong producing force for this pro gresslve Pennsylvania company. The general agency offices will be continued by Pearce, Maddox A Pearce, In their present spacious of fices In the Candler building. Companies Interested In the fire last Saturday In the clothing houae of George Muse Company and Elseman A Well gave much praise to the prompt ness of the employees of the former house In hustling stock out of the way of damage on the top fioor when the fire was discovered. After the fire was supposed to be out, It appeared again In the roof of the Elseman A Well building, evidently having traveled through on unknown opening In the fire wall, and caused about *7,000 dam age. Sixty thousand dollars' Insurance was carried on the atock. 8IG SALVAGE COMPANY SELECTS ITS DIREGTDRS The Underwriters Salvage Company of New Tork, which recently estab lished a branch office at Atlanta, In rhargo of General Agent Oeorge W. Campbell, has selected a board of di rectors composed of representative At lanta managers which will have full supervision of all Its work In this field. The board Is made up of the following members: Manager S. T. Tupper, of the Queen, chairman; Manager George J. Dexter, of the Western and British America, assistant; Manager Dan B. Harris, of the North America; Frank C. Stock- dell, assistant manager of the Phenlx of Brooklyn: Special Agent A. B. An drewa of the Sun; General Agent W. L. Reynolds, of the German-Amerlcan; Charles F. Hard, general agent of the Continental of New Tork; Lawrence Haynes, special agent of the London and Lancashire and Orient Companies of Hartford, and Special Agent F. O. Hawkins, of the Phoenix of London. The company will probably soon be gin the construction of a handling Plant In thill city where salvages from fires will be renovated. The company Is owned by over sixty of the strong est fire Insurance Companies In the country and handles salvages for them for the most part. Director of Agencies Henry T. Schick, of the American Casualty Company, o Reading, Pa., has been In Atlanta al the week working with hla general agents, Mathews A Hill, In closing some Important business deals. Mr. Schick says the record of the Atlanta agency, which haa been established only a few months. Is already the best In the South. TODAY’S BIO FURNITURE SALE 10 THOUSAND DOLLARS' WORTH HIGH-GRADE FACTORY SAMPLES FOR BEDROOM, PARLOR, DINING ROOM, HALL AND OFFICE. A. GUAR ANTEED SAVING OF 25 PER CENT ON ANY SUIT OF FURNITURE SOLD IN ATLANTA. STRONG IRON BEDS $1.99 to $25.00 ODD DRESSERS, OHIFFONIERES, SIDEBOARDS, HAT RACKS, BOOKCASES, FANCY CHAIRS AND ROCKERS. THE BEST $20, $25, $35 SIDEBOARD EVER SHOWN IN ATLANTA. THE BEST $35, $45, $65 CHAMBER SUIT IN AMER ICA—BAR NONE. SEE THESE BIG VALUES AT 56-58 N. BROAD ST. P.H. SNOOK FURNITURE CO. INSURANCE PERSONALS “First Prize, Blue Ribbon and Diploma” was awarded to— VULCANITE ROOFING At the Georgia Rtste Fair for the highest grade of reedy roofing. This ehowc what experts on roofing think of VULCANITE. Ho not get VULCANITE confused with «ny other bread, but see that the seal Is on erery roll. Ilecom- mended hr the Nsttmuil Board of Underwriters end Houtheastera Tariff Also- elation. ''YOU CAN PUT IT ON." r ft«i er 8ee that thle Seal la on every Roll. ATLANTA SUPPLY CO., 80LE 3TATE AGENTS FOR GEORGIA. 29-31 South Forsyth Street, Atlanta, Ga. J.C. GREENFIELD, Frei. C.L PEEK, Stc'r. Judge* for Exhibit Selecttd. Rpeetnl to The Georgian. Covington. Oa„ Oct. 27.—The corn and cotton exhibit of Newton county will be held November 1 at Covington. A hundred boys have entered the con test. Mr. Johneorf, professor of agrl- ulture at the State University, will be Judge, and one of the speakers, along with Colonel L. F. Livingston and J. C. AtcAuliffe. How Our Acme Double Flint Coated Asphalt Roofing Excels Is made from the beet Wool Felt. Saturated and coated under a new process with As phalt Is a rubber-ilka (densely compressed) Rotting Felt, posted on toth sldee with silicate. desists. the jetton of vapor, acids and lira. Not effected by heat or cold. Tho roofing that never leaks. The'’’experience of twenty years proves It to be the Best Ready Rooting on the market. . . . Put up In rolls *2 Inches wide and 40 feet * Inches long, containing 108 square feet, wrapped In heavy APPROXIMATE WEIGHTS. 3-Ply. 80 pounds per roll. Complete. 3-Ply. 70 pounds per roll. Complete. 1-Ply. 60 pounds per roll. Complete. SAMPLES AND FULL PARTICULARS FREE. Also 3, 2 and I-ply Tarred Roofflng Paper. Sheathing and insulating Paper. CAROLINA PORTLAND CEMENT CO.. ATLANTA, GA. Superintendent of Agendas Burton H. Wright, ol the Massachusetts Mu tual Life Insurance Company, of Wor cester, and E. J. Sartelle, actuary of the company, were visitors to Atlanta this week and were entertained by General Agent John D. Pickett. They are making a tour of the South, and from here went to St. Louis to attend the annual convention of the National Association of Life Underwriters. Cashier Alexander Irvin, of. the Equitable Life's Atlanta office, who haa held that position for four years past, has resigned to go with the St. Louie Car Company at the head office. He will be succeeded by J. T. Bowman, who la transferred by the company from Its offices at Burlington, VL Edson D. Schofield, superintendent of the field force of the Union Muliinl Life Insurance Company, of Portland. Me., la In Atlanta this week In confer ence with hla general agents, J. L. Riley A Co., who are' preparing for a vigor ous fail campaign for a fine volume of life business. Special Agent 8. T. Sparkman, of the Royal Insurance Company, In the Car- otlnaa, left this week for Columbia with hla family, following hla recent appointment by Manager Milton Dar AWNINGS TENTS UPHOLSTERY AAAIER A VOLBERG ISO So. Forsyth St. ARE YOU GOING, TO PAINT? | Llnsood Oil la tbe lire of paint. Be* that It Is pure. Spencor Kellogg Old Process Linseed OH;- Is the '• oldest brand In the United States.*- pbld by F. J. COOLEDGE & SON., Atlanta. Savannah ENAMELS. A complete line'-of .Lucas A Neal’g Knamels, Iron Red Enamel, Hath En amel, Enamels for nil purposes. * GEORGIA PAINT ; AND . GLASS 00., t* 40 Peachtrae. School of Millinery. School open all year. Puplta ad mitted any date. Individual Instrue- tlon. Visitors welcome.. appointment oy »>innax**r million iJSr* I % gan. He has been In His new field for MISS E. ELIZABETH 8AWTELL, several waeks, but will now maka hla permanent headquarters at Columbia Instead of Charlotte, as waa first an nounced. Atlanta's strong and well-established I fire Insurance company, the Atlanta Home, of which J. N, Hurt Is president, W. D. Deene, secretary, and many well- known Atlantans Interested In the di rectorate, Is rapidly Increasing Its! agency plant In South Carolina, which stale It recently entered. Special Ag Dowdell Brown returned this week Atlanta, after a month's work In that field. The company will be represented In moat of the large cities and expects to derive a good business from that territory. PREPARES TO FIGHT THE NEW RATE LAWi Chicago, Oct. 27.—The Pullmetw Car | Company la preparing to light th«rtnew rate law. The company Is said to be disregarding many of the requirements of the law. The law makes every sleeping carl compqny a common carrier. It re-1 quires every common carrier to pub lish, Ole with the Interstate commerce | commission and post In Us ticket of fice and etatlon cople* of Its schedules containing all Its rates. The Pullman company has no ticket offices or sta-| Ilona of Its own, but uses those of the railway. . The railways, while they have not placed their tariffs In the outer offices of their ticket offices and stations, hare posted notices stating where the pa trons may obtain them. No such no tices have been posted by the Pullman | company, and Its tariffs are not on file | anywhere for public Inspection. A representative of the company! stated that depette the provisions of the rate law, It does not consider Itself common carrier, end does not believe could be forced to conduct Its bust-1 ness aa a common carrlor. Philip B. fitewsrt. who declined to ran i the DepnMIrnn iiunilitat. for snvern.tr r Colorado, Is • snn of John \l. Stewart. I oner governor of Vormoat, and a grandson I of Uoratlo Seymour. 60 1-2 Whitehall Street, Atlanta,. Ga. P ACIFIC MUTUAL LIFE MIMAKI POLICIES ' A re tha moat up-to-date and progressive , »• C ontracts to be found, aa they protect the I naured. during hie . Ufa time, F rom loss of INCOME on account of I llness, Accident or TOTAL DISABILITY. Combined with the usual ’payment at death. M U any conditions arise, aueh as an nfortunate Accident or Ill ness happening | o the Insured, adding an U nusual expense In addition to causing A loss of Income, which make the L ife Policy of the PACIFIC MUTUAL a blessing. • L ife Insurance has become a necessity I n the business and (octal world, every man F eeling tho need of protect ing his E state while be has the pow er to do so. “FOUR IN ONE” is the “INSURANCE THAT INSURES." Information upon application. J, CLEMENTS SHAFER, MANAGER, 413—414 Peters Building, ATLANTA, GA. 250 CHOICE LOTS Only $135.00 Each SALE NOW ON SEE WANT “AD” PACE