18
TIIE SUNDAY OREGOXIAX, PORTLAND, XOVE3IBER 26, 1916.
SURETY COMPANIES
iT FILE
MU
BONDS
More Stringent Regulations
Are Provided For in New
Insurance Code.
MUTUALS ASK FOR RULES
TRADES SCHOOL GIRLS SHOW CLEVER FROCKS AND ELABORATE GOWNS MADE IN CLASS.
22
Commissioner Says Iiosses Hare Been
Sustained Through Method of
Some Suerty Concerns, and
Measure Guards Insured.
Stricter regulations are to be Im
posed upon surety companies doing?
business in Oregon under the terms of
the new insurance code just drafted by
the commission snpointed two years
ajjro by Governor "Withycombe.
One important provision is that every
surety company operating in the state
will have to file a surety bond of
Its own, signed by two other Furety
companies, guaranteeing the faithful
performance of It3 contracts.
Harvey Wells, State Insurance Com
missioner, has prepared the following
review of the code as it affects fidel
ity and surety companies, mutual fire
Insurance companies and inter-insurance
exchanges:
The code commission, in making
recommendations for Casualty insur
ance, desires it expressly understood
that their recommendations do not in
any way conflict with the present stat
utes relating to the act pertaining
to the creating and regulating of the
State Industrial Accident Commission,
and if there should be any word, line
or section that can be construed to af
fect this commission, they have re
quested that It be expunged from the
proposed code.
Confusion Is Much Relieved.
Probably one of the most important
sections of the code is the one relating
to surety companies, for, in the ab
sence of proper laws governing this
kind of indemnity, it has. In the past,
caused confusion and some litigation.
Other kinds of Insurance are written
for a definite period, and when noon
comes on the last day of the policy
year, the company knows its risk is
terminated.
With a surety bond the situation is
very different. Often the liability in
curred may not develop for months,
and even years, after thep remium
year has elapsed. In the case of
bonds written for administrators, ex
ecutors, guardians, etc., the limitation
of time of action on such bonds is gov
erned by statutes, except in case of
fraud, in which event the statutes will
not begin to run until after discovery
of the fraud.
There are two general clasaes of
suretyship fidelity bonds and surety
bonds.
A fidelity bond is one wherein the
surety agrees to Indemnify the em
ployer in case of the dishonesty of the
employe. These bonds are written
largely on the theory that the majority
of men are honest.
Companies Grow More Cautions.
A surety bond is an obligation
which, in addition to being responsible
for the honesty of the principal, guar
antees that he will perform a contract
in accordance with plans, specifica
tions or agreement, or that he will pay
a. sum of money in case of certain
eventualities; and, therefore, surety
companies are becoming somewhat
conservative, for, as a rule, before a
contractor can secure a bond, they
carefully investigate his ability, such
ns his experience, his working capital,
liis ability to superintend and figure
the cost of material and labor, and
whether he is properly protected
against loss by fire and injury to
workmen.
This latter statement brings out
dearly the distinction between the
risks assumed under a. fidelity bond,
which is liable only in the event the
principal is dishonest, and the liability
under a surety bond, where the surety
may suffer loss through any one or
more of a dozen causes.
There are many kinds of bonds that
these surety companies issue which
necessitate a careful study, and great
rare must be exercised in the selection
of surety risks. Unfortunately there
have been companies in this state
which have not been conservatively
managed, and have retired from this
state, leaving the citizens to suffer fi
nancial loss, therefore some manner of
a deposit has been suggested in oraer
to protect future retirements or fail
ures and a way to collect judgments
without legal process in the home state
of the company.
The commission has under consider
ation a requirement providing for each
surety company to file with the In
surance Commissioner a Burety bond
for $25,000, signed by two other surety
companies for the faithful performance
of its obligations to its policyholders
within this state.
The commission has recommended a
provision that, before any company
from any other state can obtain a li
cense, it must have a paid-up capital
of $250,000 and a surplus of $100,000,
and no company may be authorized to
transact such business in this state un
less it holds an unrevoked certificate
from the Secretary of the Treasury of
. tne united states showing that such
company has qualified to write bonds
for the Federal Government, and they
will be required to file a copy of such
certificate quarterly with the Innur
ance Commissioner as evidence that
their bonds are still acceptable to the
Federal Government, and they will not
be permitted to issue bonds on anv one
risk greater than the amount that the
federal Government will accept.
Release May be Obtained.
They recommend that any surety
may be released by giving 13 days'
notice, and must file a copy of the
notice with the Secretary of State,
Clerk of the county. Clerk of the school
district or clerk or secretary of any
commission, and receive acknowledg
ment of the notice signed by the proper
official before such bond is released.
Any surety company wising to termi
nate the liability undertaken on any
bank depository may cancel its bond
by giving 30 days' notice to the offi
cial whose duty it is to approve such
bonds, and any officer whose duty it
is to approve any bank depository
bond may terminate the liability of
such depository bond by giving 30
days' notice to the surety company.
Under the present law there is no
provision for the release of a surety
company or the cancellation of a bond,
and the above recommendations arc
made . for the purpose of providing a
way for a release both by the policy
holder and the company.
They also provide a section that,
where any state, county or municipal
ity, officer or officers of any school
district or public commission, or depu
ties employed in any public office, and
are required to give a bond, that the
premium shall.be paid out of the funds
tf the office. This will, by law, com
pel every official who has an employe
handling funds, or performing any
other duties' of public trust, to give
a bond and release the official from
the embarassment of asking his best
friend to give a bond.
The code commission, in making
recommendations tor the provisions re-
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'tiki i?r
lating to mutual fire insurance com
panies, has carefully investigated
practically every angle, pertaining to
insurance by mutual companies. The
recommendations submitted have the
approval of our own mutual compa
nies. The success of mutual insurance
depends upon the capacity of its man
agerial force and the lack of proper
management will p'rove disastrous.
Companies Ask Regulation.
The insurance department has made
a careful investigation and finds that
thn present companies are being effi
ciently and wisely managed, and these
companies realize that they must have
a law that will not only give them pro
tection, but their members as well, and
they have now come forward asking
for special regulations.
The commission recommends that all
foreign mutual companies shall have
cash assets of not less than $200,000, of
which $100,000 shall be net cash sur
plus, and when they accumulate this
amount they may issue In this state
policies without mutual liability to the
policyholders, and their recommenda
tions do not prohibit any policyholder
from obtaining insurance in companies
outside of this state.
The committee has recommended cer
tain requirements for the organization
of new mutual companies which pro-?
vide that ne companies shall not
commence ousiness . until tney nave
$500,000 of insurance pledged, and
every member agrees to take the pol
icy or policies subscribed for, and to
pay an advance assessment within 30
day of the granting of a license by the
Insurance Commissioner.
Annual Statement Required.
They also require ihat any mutual
company may make such by-laws not
inconsistent with the laws of this state
for the management of its affairs and
that every company shall issue only
the standard form of policy, but grant
ing it the privilege of printing in tne
policy its by-laws making it manda
tory that the members are bound by
the constitution and by-laws of the
company. It may, when canceling a
policy, retain the amount due for an
assessment to apply to losses and ex
penses accruing during the time the
policyholder is a member of the com
pany, and any member may withdraw
his membership from the company by
giving five days' notice, surrendering
his policy and paying any assessment
due or pending.
All companies will be required to file
an annual statement showing its fi
nancial condition up to December 31
of each year, and when it appears to
the Commissioner that the resources of
the company are les3 than the re
quirements of this act. he shall notify
the directors to correct such deficiency
within 60 days, and if such deficiency
is not made good, the Commissioner
shall immediately notify the members
of the condition of the company and
take charge of its affairs.
If the officers or members feel that
the Commissioner is exceeding his au
thority, they have the privilege of ap
plying to any court of proper Jurisdic
tion, asking for a review of any order
or action taken by the Commissioner,
and the court shall decide whether the
company's resources are sufficient to
proceed in the conduct of its business.
Inter-Insurance Exchange!.
The commission has recommended
certain provisions relating to inter-insurance
exchanges, which is a form of
Insurance wherein policyholders,
known as subscribers, exchange in
demnity among themselves through the
medium of any attorney-in-fact. It is
resorted to very extensively by Insur
ers having property interests finan
cially large, widely separated, and rep
resenting practically the same hazards;
thus, one exchange will confine its op
erations to sawmills, another to de
pardtment stores and Jobbing houses,
etc. Many of our large merchants and
manufacturers are members of these
exchanges.
Our present Inadequate law govern
ing this class of insurance has serious
ly handicapped the department in its
efforts to maintain proper standards.
and the subject has1 had serious con
sideration, with the result that the
proposed provisions of the code will
enable the insurance department to
exercise ample supervision over the
various exchanges doing business, or
proposing to do business, in this state,
and at the same time will bring in
creased revenue to the state, as here
tofore they have been exempt from
taxation.
Th total revenue the Insurance de
partment received for taxes and li
cense fees for 1915 from surety com
panies was $3591, and from foreign an a -I
domestic mutual companies. $1048.
Clothing for Children Part of
School Course.
EARNINGS MADE POSSIBLE
Top, a Group of Second-Semester Girls,
Proud In Their Sceond"' FroeWn.
Reading From Left to Itlcht, Top
How, Edna Wilson, Frances Treck
am, Lily Costello, Marie Schnell. Sec
ond Row, Estelle Deschner, Bva Ham
ilton. Louise Schneider, Rosalie
Ilurrkhardt. Front Row, Caroline
F.rlckson, Rernlce Snyder, Freda
Frameln, Charlotte Kenny. Lower
Picture. Miss Roth LclninK. a Fourth
Term Girl, In a Party Urcss of Her
Own Creation.
AD EXPERT IS VISITOR
DIRECTOR OF PCBLISHERS' BIREAU
PLEASED WITH CITV.
Movement la on to Increase' National
Publicity Paper Shortage Mart
ins Press In East.
William A. Thompson, director of the
Bureau of Advertising for the Ameri
can Newspaper Publishers' Association,
with offices in New York, made many
complimentary references to Portland
while in the city yesterday on his first
visit to the Pacific Coast. Mr. Thomp
son says the vast squares that mark the
Western state on the map give an in
dication of the broad spirit, the fine
feeling and the hospitality of the
people.
"Business is booming in the East,"
ne saia. in iaci, in the newsuaner
business it is almost too good. The
scarcity of white paper is the cloud on
the horizon. If providence and the
paper manufacturers will give us paper,
there will be no difficulty in getting all
the business that can be handled.
"The Bureau of Advertising repre
sents a movement by the newspapers
of the United States and Canada to de
velop more advertising by National ad
vertisers. The work of the bureau has
taken on a wide scope, that Includes an
investigation of market conditions, the
purpose being to make advertising
more profitable and beneficial.
"The newspaper is gaining ground as
a National advertiser, as well as the
medium for local advertising. Not less
than $300,000,000 will be spent in the
newspapers of the United States tirls
year for local advertising, and in addi
tion to this sum, $75,000,000 more will
be expended for National advertising.
This National advertising figure is
more than two times as great as the
business carried by all the magazines.
This is a gain of about $20,000,000 over
1915."
While Early Training of Folytech
nical Pupils Is in Ordinary Ap
parel, Elaborate Evenings
Gowns Are Also on Bill.
It isn't enough for girls to know
how to make their own clothing. They
should be able to make children's
clothes and fit and sew for others.
That is what the Polytechnic School
girls are being led to believe and that
is the idea upon which much of their
training is based. Just now the girls
are Jubilant over the completion of the
second frocks that have been made by
the second-semester girls this Fall.
They have, finished their wash dresses
and will now begin to make muslin or
challie frocks. Then children's clothes
will be next on the schedule.
The dresses that have been finished
by the second-semester girls range be
tween 85 cents and $2 in cost. Many of
the girls have lessened the cost of
trimming by making their own orna
ments, lace and embroidery. The cost
of materials has gone up considerably,
say the teachers, so that they have had
to remove the dollar limit in the cost
of wash dresses.
The fourth-semester girls are and
have been making fancy dresses, a
class that includes evening gowns, aft
ernoon frocks and various charmeuse
and Georgette crepe dresses more In
tricate and elaborate than the average.
Many of the girls have been able to
pay part of their living expenses by
making clothes for others and taking
orders. Some of the girls of the fourth
class are now wearing the coats that
they have made since school started
this Fall.
Silver and lace are used in many of
the party frocks that the fourth-semester
girls have made, and. brirht and
smart is the display of millinery that
waa shown during the past week. Hats
for evening wear were in gold or silver
lace or braid and trimmings of fur.
In the remaining half of the first
semester the girls of the second semes
ter will devote a part of their time to
making children's clothes. Those who
have no little brothers or sisters, nor
any small children at. home, will be
allowed to make themselves house
dresses or coverall aprons. They will
also make either a challie or muslin
dress for themselves and a wool skirt.
Speaking of the girls' work yester
day. Miss Lilian Tingle said: "Many of
our girls are earning their own way,
or partially making It. Just last week
one of the big department stores em
ployed ten of our girls, and several
others have been placed with firms
Ex-Pendleton Girl Stricken.
PENDLETON. Or.. Nov. 25. (Spe
cial.) Word reached here today of the
sudden death at Walla Walla, Thurs
day, of Miss Minnie Renn, formerly a
well-known Pendleton resident. While
returning home from a picture show
with her sister. Miss Celia Renn, she
suddenly became ill and lapsed into
unconsciousness in a few minutes. Her
death Is ascribed to the bursting of a
blood vessel. She was a daughter of a
pioneer Pendleton family. One sister
and three brothers, Logan, Arthur a"d
Robert Renn, survive.
Mrs. Giuseppe Pinotti Dead.
OREGON CITY, Or.. Nov. 25. (Spe
cial.) Mrs. Giuseppe Pinottl. of Can
by, who has been at the Oregon City
Hospital, where she has been undergo
ing medical treatment, died at that in
stitution on Thursday afternoon. Fun
'jral services will be held at the St.
John's Catholic Church Sunday after
noon. Rev. Father Jonas, of Canby.
will officiate. Mrs. Pinottl is survived
by her husband and two children. She
was 25 years old.
CARD OF THAXKS.
we aesire to tnanK our many
friends; also the members of the W.
O. W. and Sons of Herman, for the
Kindness snown auring our recent be
reavement. Also for the many floral
offerings.
MRS. ROBERT F. KUH.V,
ROBERT F. KUHN, JR.,
MARTHA KUHN.
MR. AND MRS. WM. H. EDICK.
Adv.
A nove-I fan that resembles the famlMar
electric affair is driven by & hot air engine
In its bae, gas or denatured alcohol being
the fuel used.
The Golden State
Gives Aronson a Big Boost
Verily, we're not only awakening
Portland, but our fair fame is being
bruited abroad throughout the land,
from North to South.
It was Ernest t)eeds that put this
one over.
No, that's not a motto it's a man Ernest
Deeds. Do you get it? In the language of our old
friend, Pat Prunty, he's the dead spit of King
Alfonso, and if you don't believe it, come in and
take a slant at him. And he's some salesman.
Well, as I said, it was Ernest Deeds that did it.
A gentleman from San Jose drifted into the store,
and Ernie sold him jewelry for every member of
the family diamond scarf pin, lavallieres, brace
let watches, vanity case, umbrellas the sale ran
away up into three figures.
The man knew values he knew that every
article he bought was under price. He had the
cash and so he bought. And he saved a pretty
penny when he entered Aronson s and he got just
what he wanted.
You can do it
Here are some prices that turn diamond buying into a
genuine investment:
One $1200 diamond for $1000. The stone is the most
perfect in cut, color and brilliancy that has ever been
shown in Portland.
$100 diamond cluster rings in new shapes for $68.50.
$50 diamond cluster rings, some of them set in rubies,
sapphires or opals, $36.75.
The very latest designs in dome-shaped diamond cluster
rings are selling at three-fourths regular prices.
$400 cluster diamond rings, $297.50.
$600 solitaire diamond rings, $434.50.
$50 engagement rings, $36.75.
$100 engagement rings, $68.50.
$500 diamond-mounted platinum lavallieres, $364.50.
$50 diamond-mounted bracelet, $36.50.
Speaking of Ernest Deeds reminds me of watches, for
during the same day he told me he had sold ten bracelet
watches. That was in the middle of the day I don't
know what his total was at night twenty, maybe.
Well, anybody can stand behind the counter and hand
out watches at prices like these :
$10.00 Bracelet watches for $5.85.
$17,50 Bracelet watches, 15-jewel, for $10.85.
$30.00 Bracelet watches, 14k gold, for $21.25.
$26.50 Rockford watches for $15.85.
$33.00 Rockford watches for $19.75.
$40.00 Howard watches for $29.50.
$60.00 Howard watches for $49.50.
$75.00 Howard watches for $59.50.
You can buy any of Aronson's clocks, too, at about
three-quarters their regular prices. If you want to keep
up with the time, come in and annex one of them.
While you're in, look at some of
the white grold diamond-mounted
jewelry. It's real rold, specially
treated to resemble platinum.
Some of that Eastern prosperity
is getting into town. A lady, late
ly arrived, saw in the Washington
street window a $15 silver tray
marked down to $9.95. She stepped
in, bought it, and proffered a 5100
bill and seemed disappointed when
the cashier handed her gold for the
amount of her change. She wanted
real Uncle Samuel money, so they
had to dig up currency and hand to
her.
She turned around and slipped it
into the "first national bank" and
went out, satisfied.
And Aronson wiped his glasses.
Speaking of trays, reopens the
silver question. None of that 16-to-1,
W. J. Bryan stuff, but Aron
son's sterling ware single stand
ard. $57.50 Sterling after-dinner serv
ice 21 pieces in handsome velvet
case, $43.15.
$10 Sterling butter dish, with
cover, $7.50.
$20 Sterling gravy bowl and
stand $15.
A few Sterling bonbon dishes
that have sold up as high as $10
for $3.75.
And here are some typical Aron
son prices on silver plate:
A $7.50 Sheffield meat platter
for $4.85.
A $5 Sheffield covered cheese
and cracker dish for $3.30.
A $15 Sheffield chop dish with
cover something new now $10.
Sheffield condiments that have
sold up to $1.50 are now S5c.
$6.50 Sheffield bread trays now
$3.65.
$5 Sheffield bread trays for
$2.65.
See these at Aronson's:
A $5 mahogany nut bowl with
cracker attached, $2.85.
75c and $1 combination glass
and silver bud vases for 40c and
45c.
Did you ever see Aronson's Cameos ? He has spent
years in making a collection of cameos and rare
stones. He showed me one not much bigger than
a dime. It is worth $90. The hand that cut it has
perhaps rested for centuries, but the beautiful stone
is as clear in outline as it was the day it was finished.
Ask Aronson to show you his cameos. He likes to do
it. Among others there, are some solid gold brooches
set with genuine cameos, priced $8.65 were $12.50.
There's something refined and
attractive about a piece of rich
cut glass. It doesnt take much to
own a few pieces here at Aronson's,
for prices are cut in twain. Think
of such ridiculously low prices as
these:
A $10 cut glass water set of 7
pieces for $4.75.
A $32 cut glass punch bowl for
$17.50.
$2.75 handled nappies for $1.35.
A $7.50 cut glass vase for $3.75.
Select any piece of cut glass
from Aronson's shelves and pay
one-half the regular price.
Our esteemed friend and con
temporary, the man who guesses
what the weather is going to be,
has hit it at last. "Increased pre
cipitation, followed by still more
precipitation" or something like
that.
So here goes:
Aronson's $2 umbrellas are now
$1.35.
Aronson's $3.50 umbrellas are
now $2.65.
$5 silk umbrellas are now $3.35.
$6.00 silk umbrellas, all colors,
$3.95.
$7.50 silk umbrellas, sterling
handles $4.85.
And don't forget that Thursday is Thanksgiving. We'll all rest then and
we'll let you rest. And we hope that every little tear-stained face every little
window-wisher will be able to eat until he breaks a button. We're going to.
ARONSON'S
Jewelers
Broadway
Goldsmiths Opticians
at Washington Street
Tickets Given With Every Purchase on Tuesday Greater Portland Day Vote for Your
Favorite Charity.
also, so that they can work part of the
time and fto to school, too."
t'hehali Bank Deposits Gain.
CHEHALIS, Wash.. Nov. 20. (Spe
cial.) The Chehalis banlui issued a
statement this week: under date of No
vember 17, which shows an increase in
the total deposits over the statement
issued in September of IIS.OOO. Total
deposits in Chehalis banks are J1,S21.
1613.
Governor to Visit Med ford Show.
MEDFORD. Or.. Xov. 25. (Special.)
Governor Withycombe has accepted
an InTltatlon- to attend the Oregon succeed W. !. Krltchie.
State Poultry Show in Medford the bcc.
ond week in January. The show js ex
pected to attract 300 or more poultry
fanciers from the Willamette Valley,
and 1000 birds will be on exhibition.
J. R. Woodford, former postmaster, has
been elected to the board of directors
of the Medford Poultry Association to
Doctor Says Naxated Iron Will
Increase Strength of Delicate
People 20096 in Ten Days
In many lnrttance Perwons have ttuffered not strong and well you ow it to yourself to
untold atcony for years doctorinc: for nprvoui
weaknfs, fctomuch. liver or kidney cUea
or vonte other ailment when tuelr real
trouble was lack of Iron in the blood. How
to tell.
New York. K. Y. In a recent discourse
Dr. E. Sauer. a Specialist, who has studied
widely both In this country and Europe said:
If you were to make an actual blood test
on all people who are 111 you would probably
be greatly astonished at the exceedingly large
number who lack iron and who are 111 for no
other reason than the lack of Iron. Trie
moment iron is supplied all their multitude
of dangerous symptoms disappear. Without
iron the blood at once loses the power to
change food Into living tissue and therefore
nothing you eat does yon any good; you don't
get the strength out of it. Your food merely
passes through your system like corn through
a mill with the rollers so wide apart that
the mill can't grind. As a result of this
continuous blood and nerve starvation people
become generally weakened, nervous and all
run down and frequently develop all sorts
of conditions'. One Is too thin; another Is
burdened with unhealthy fat ; some are so
weak they can hardly walk: some think they
have dyspepsia, kidney or liver trouble; some
can't sleep at night, others are sleepy and
tired all day; some fussy and Irritable; some
skinny and. bloodless, but all lack physical
power and endurance. In such cases, it Is
worse than foolishness to take stimulating
medicine, or narcotic drugs, which only whip
UP your fagging vital powers for the moment,
rvayhe ut the expense of your life later on.
!.o matter what anyone UUa you. If you are
mako th following tet. te how long you
can work or bow far you can walk without
becoming tired. ext take two rive-grain
tablets of ordinary nuxated iron three times
per day after meals for two weeks. Then
rst your strength again and see for yourself
how much you have gained. I have seen
dozen of nervous run down people who were
ailing all the time double, and even triple
their strength and endurance and entire
ly get rid of their symptoms of dyspepsia,
liver and other troubles In from ten to
fourteen day time simply by taking iron In
the proper form, and this, after they had
In some cases been doctoring for months
without obtaining any benefit. You can talk
as you please about all the wonders wrought
by new remedies, but when you come down
to hard facts there is nothing like good old
iron to put color in your cheeks and good
sound, healthy flesh on your bones. It- is
a I no a great nerve and stomach atrengthener
and the best blood builder In the world. The
only trouble was that the old forms of in
organic iron like tincture of Iron, iron ace
tate, etc., often ruined people's teeth, upset
their stomachs and were not assimilated and
for these reasons they frequently did more
harm than good. But with the discovery of
the newer forms of organic iron all this ha
ben overcome. Nuxated Iron for example, is
pleasant to take, does not injure the teeth
and Is almost immediately beneficial.
NOTE The manufacturers of Nuxated
Iron have such unbounded confidence In its
potencv that they authorize the announce
ment that they will forfeit $100.00 to any
Charitable Institution if they cannot take any
man or woman under sixty who lacks iron
and increase their strenKth 2O0 per cent or
over In four weeks' time, provided, they
have no serious organic trouble. Also they
will refund your money in any case in which
Nuxated Iron does not at least double your
strength in tn days' time. It Is dispensed
in this city hy The Owl Drug Co.. and all
other druggists.. .
We Have Specialists in AVe Assign Your Case ('
Every Line, Which to the Member of
Insures You Our Staff Best
the Best. r-i hn Equipped for ft
! Our Staff V- i X Office
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