TIIE SUNDAY OltEGOXIAX, PORTLAND, FEBHTTART
4, 1917.
15
RATE BILL OPPOSED
Insurance Man Says Measure
Would Create Trust. .
AMENDMENT IS SUGGESTED
Mr. Alverson Says Exclusion of Non
Board Companies Is Threatened
and That High Commissions
Mean Higher Rates.
RAN FRANCISCO, Feb. 2. (Special.)
-W. A. Alverson, of San Francisco, Pa
clfic Coast manager of the largest In
dependent or non-board fire insurance
office on the Pacific Coast, made a
statement here today with referenoe to
the flro Insurance rate bill pending be
fore the Oregon Legislature at Salem.
He Bald:
"As originally drawn, the bill Is
vicious and creates an all-powerful in
surance trust. It should be amended as
follows;
"Beginning with line 10, strike out In
which case no deviation or discrimlna
tion from such bureau rates or sched
ules in whole or in part as to any class
of risks shall be made."
"Ineert: 'Every insurer that has given
notice to the Insurance , Commissioner
or us acceptance or the scneauie oi
rates filed by a rating bureau of which
It is a member shall in advance of any
variation by it from the bureau rate
file with the Insurance Commissioner
and .bureau the variation from the
nureau rate which shall be uniform
throughout the territorial classifica
tion, and every such insurer shall be
permitted to make uniform variations
from the bureau rate."
Private Schedule Costly.
"In order to make this effective, the
following words must be stricken out
from paragraph 12, page 37:
"'Nor shall any such insurance com
pany file a schedule of rates of any
rating bureau less a certain percentage
of the rates estimated and promulgated
Dy said bureau when making Insur
anee.'
"'With these corrections only will
.legitimate competition be continued
and non-board or Independent com
panies be able 'to continue giving the
people of Oregon the benefit of their
independent position. Without both
these corrections all companies will be
obliged to adopt bureau rates, as no In
dividual company or association of non
board companies now operating in Ore
gon could afford to file its own sched
ules, owing to the tremendous expense
putting them into practical operation.
With these corrections competition will
be assured. Without them it will be
absolutely stilled and the Insuring pub
lis will have no relief. The following
should be stricken out of paragrph 18,
page 19, beginning with line seven:
" 'Or commissions or other compensa
tlons to be paid.'
Eioem Kivcnae Affects Rates.
"This was inserted by some Portland
agents (some of whom recently an
peared at the hearing of the committee
at Salem) who wantexcess commission
contracts, which 'necessarily mean In
creases in rates to offset excess ex
pense. It must be borne In mind that
the public must pay in gross a suf
ficient amount of money to pay losses
ana expenses, which include commis
sions or compensation paid, and leave
a reasonable margin of profit for the
hazard assumed by stockholders who
risk their capital for the protection of
the public. The people of Portland have
already had one experience In having
their rates increased to cover the high
burning ratio which existed for several
years, and which they have corrected
during the past year, and I do not think
they want again to go through ex
perience of having their rates raised
so as to pay some agents in Portland
higher commissions, which will neces
sarily follow if companies are prohib
ited by law from entering Into an
agreement to limit' their expenses, of
which the commission cost or compen
sation paid to agents is by far the
laregst item."
OLD COINS ARE OWNED
Albany Man Has Relic of Eighteenth
Century. '0
ALBANY. Or., Feb. 3. (Special.)
The second 2-cent piece ever coined tn
the United States is owned by Henry
. F. Merrill, of this city. Mr. Merrill
also has a 1-cent piece coined in 1796,
said to be the first year pennies were
coined by the United States.
Mr. Merrill received the historic 2
cent piece from his grandfather, the
late Joseph Failing, of Portland. Mr.
Failing was attending the Republican
National convention, which renomi
nated President Lincoln. In 1864. and
while on his Eastern trip visited the
Philadelphia mint. The new coins
were being minted for the first time.
The first one made was preserved
for the Government's collection, ac
cording to custom, and the second was
given to Mr. Failing by the director
of the mint, who happened to be a
friend of his.
SUNDAY SCHOOLS TOPIC
Western Washington Secretary to
t ; Visit Clarke County Towns.
RIDGE FIELD, Wash., Feb. 3. (Spe
cial.) Walter Charles Moore, general
secretary of the Western Washington
Sunday School Association, of Seattle,
will be here some time la February in
the interest of the Sunday school In
stitute work which will be carried on
by him In the various Sunday schools,
of all denominations, at Ridgefield,
Yacolt, Battle Ground, Harmony, Van
couver. Washougal and Camas, from
. February 11 to 16.
Exact programme dates will be an
nounced later. Various problems and
other difficulties confronting the Sun
day schools will be thoroughly discussed.
ST. BR1GID BANQUET HELD
.
Hibernians and Ladles' Auxiliary
Honor Patroness.
Two hundred men and women of the
Ancient Order of v Hibernians ana
LadieB' Auxiliary gathered in Hibernia
Hall Thursday night at a banquet held
in honor of St. Brigid, patroness of the
lady Hibernians. The banauet-rnnm
was decorated with American bunting
interspersed witn me narp and sham
rock and the Irish flag.
Several addresses were delivered,
with Mrs. W. A. Eivers acting as
toastmlstress. Speakers included Cir
cuit Judge W. N. Gatens, Archbishop
Christie, John R. Murphy, Rev. H. S.
uallagner and i. Deery.
Two Horses Drowned.
POME ROT, Wash., Feb. S. (Special.)
Two horses were drowned and Dean
Brown narrowly escaped death Friday
wane xoraing tne south Deadman
stream. Mr. Brown was Carried S00
feet down stream before he was able lo
get out ot tfce swift current,
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From your point f view this announcement ia
most important.
For herein we set forth the achievement toward
(Which this company has aimed. for the last eight
years. -
This achievement in a word is the completion
of our gigantic organization to a point where we
can make and market a Complete line of automo
biles under one head. -
This means tremendous economies much great-'
er than ever before.
f , This means the elimination of all waste, all lost
motion and much greater factory efficiency.
This means an even higher grade of cars at
much more attractive prices.
All of which means a substantial saving for you
on the next car you buy. v
For now and for the first time in the history of
the automobile business we as one single organiza
tion offer the public a full and complete line of
automobiles.
This concentration this greater efficiency this
more .effective means of pulling together is going
to set a new standard of low priced high-grade
automobile values.
OVERLAND
Broadway at Davis Street
Overland Light Four Models
For we operate on the basis of -
-one executive organization . '
" one factory management
one purchasing .unit
one sales expense" . ....
one group' of dealers to plahproduce and sell
- all Overland, Willys and Willys'-Knl ght models.
Buying power is concentrated. Costs aredis-
tributed over all these cars. The savings arc
enormous. -
As a result we are producing cars of exceptional
quality and ' marketing them at unusually low
prices.
Every car is built to a rigid standard of per-'
formance, comfort and appearance.
' The new models are listed in this announcement.'
They include Overland models from the snappy1
comfortable $665 Light Four to the beautiful
Light Six Sedan at $1585.
They include also the big, handsome Willys
' Knights from the Four at $1285, to the super
efficient Eight at $1950.
v These new models establish price records, value
records and performance records which we believe
will prove to the public conclusively that the vast
economies of vast production are the key note and
manufacturing secret of the greatest value for the
least amount of money. . ,
PACIFIC, Inc.
Phone Broadway 3535
Overland Big Four Mod elr
Overland Light Six Model
.Roadster, 11 6-in, wheelbase (Illustrated) . S970
Touring, 110-in. wheelbase) . . . . $985
(See also Clo-ed Car -
Willys-Knight 7 Passenger Model
si
Four Cylinder Touring, 121 in. wheelbase . $1285
Eight Cylinder, 125-in. wheelbase (Illustrated) $1000
- (Sec also Closed Cars)
Overland and Willys-Knight
Closed Cars
Roadster, 104-ln. wheelbase ...... 1 6o0
Touring, 106-in. wheelbase 5665
Sport Slodel Country Club-r (Illustrated) S730
. S35
. SS50
Roadster, 112-in. wheelbase
Touring, 112-in. wheelbase (Illustrated)
(See also Closed Can)
Made in U. S- A."
Overland Big Four Coupe, 112-iru wheeTbase $1250
Overland Big Four Sedan, 112-in. wheelbase $1450
Overland Light Six Coupe, 116-in. wheel base $1385
Overland Light Six Sedan, 116-in. wheelbasel t -ot:
(Illustrated) j15So
Willys-Knight Four Coupe, 114-in. wheelbase $1630
Willys-Knight Four Sedan, 121-in. wheelbase $1950
VVulya-KnightFour Limousine, 121-ia. " $1950
. All price f. o. b. Toledo
m
I ll C. fl. RADIO READY
RAW DEPARTMENT EXPECTED TO
TAKE CHARGE OF PLANT.
Orders Likely to Be Received at Any
Moment Radius of Operation Ex
tends Into Alaska.
Orders from Washington to turn
over the wireless station to trie near
est radio Inspector for use by the Navy
Department are expected hourly by the
V. M. C. A. officials.
In time of war or other emergency
the V. M. G. A. wireless, with other
stations of Us class, are naval aux
iliary plants that may be taken' over
on a moment's notice. Compensation
for the use ot the plants is provided
by law. '
The Y; M. C A. plant has a 16
kilowatt power station and an operat
ing railus that Includes the - entire
Paolflo Northwest and Alaska. Wnen
other stations on the Coast wtfre closed
to prevent violations of neutrality, it
was permitted to operate and was of
valuable assistance ta the Navy Depart
ment in watching tor hidden plants.
Benjamin "Wood, of Seattle, inspector
for the Seventh Radio District that
Includes Oregon. "Washington, Idaho
and Montana, would be placed in charge
of the station should the Navy Depart
ment determine to take over the plant.'
RIDGEFIELD GIRL PASSES
Margaret Ruth Max son 6accumbs
at Age of Id.
RIDGEFIELD, Wash., Feb. 3 (Spe
cial.) Miss Margaret Ruth Maxson,
19-year-old daughter of Mr. and Mrs.
J. S. Maxson, of Rideefleld. died Tues
day night at the family home after
being ill for several weeks with con
gestion of the brain. She was born at
Topeka. Kan., and in 1905. with her
parents, located at Ridgefield. The
funferal was held Thursday from the
Ridgefield Methodist Episcopal Church.
Rev, C, Howard David, of rjurtlaiid.
and Rev. T. I Rice, of the. local Naz
arene Church, officiating.
Miss Maxson was a member of the
high school senior class. . She was the
star debater of Southwestern wasn
ington, and a member of the local high
school, 191S-1916 debating team, which
won the Clarke County Debating
League championship, also a member
of the 1916-1917 debating.
GIRL TRIES SUICIDE
OAKLAND MISS NAMES OREGON CITY
MAN AS CAUSE.
Muskrats Ternporarily Stop
Hood River- Industry.
Rodents Invade Hydraulic System
and Bodies Are Forced Into Small
Water Pipes.
HOOD RIVER. Or.. Feb. 8. (Special)
Paying the death penalty for
the trouble they caused, three musk
rats temporarily closed down two ot
Hood River's largest industrial plants
Wednesday, and O.-W. R. & N. trains,
all Of which usually stop here for
Water, were (oroed to till their tanks
at Wyeth and The Dalles
On Tuesday the dltcn of a water
power system owned by the Apple
Growers' Association broke and al
lowed the reservoir on the Heights,
where the family of amphibious ro
dents made their home, to run dry. The
penetrating cold weather apparently
drove the animals Into the outlet pipe,
and when the water was again turned
on the rats were imprisoned.
From the reservoir to the level of
the buslneea and factory section of
the city Is a drop of more than SOO
feet, and the bodies of the muskrats
had been driven, through two-inoh
pipes. The bones ef the animals had
been Crushed. At the blacksmith and
wagon factory of W. O. Snow, one of
the plants stopped when- the water
power was shut off by a part of the
body of a muskrat being driven half
a foot Into a half-inch pipe.
The Hood River-Apple Vinegar Com
pany, where five big hydraulic presses
daily squeese the juice - from Hood
River apples, was the other place of
business closed by one of the unfor
tunate rodents.
The town of Simla. India, is built
on the side of a hill which Is so steep
that the doorstep of one house la often
above th root of the bouse aett door.
JT. C. Westoa ta Accused of Lnrlne Ber
llna Beacom, 10, From Home and
Refusing; to Wed Her. .
Grief at the desertion of her sweet
heart, is given by Miss Bertlna Beacom,
19 years old, of Oakland, Cal., as the
reason for her attempt t suicide in the
De Moy Hotel late Friday night.
The girl says that she was lured to
this city by promises of marriage, given
her by J. C. "Weston, of Oregon City,
and that she left Oakland In the face of
family -objections. Arriving in Port
land, she declares that Weston secured
her a room at the De Moy and visited
her there. He refused to marry her,
says the girl.
On the night of her attempt to end
her life "Watson was In her room for
some time, the rlrl says. She renewed
her pleas and ho declined to listen, and
left the hotel.
"What eould I dor the girl Queried
later. "I could not go home. I had no
money, and I could not remain here. He
told me ha was through with me."
She went to a corner drug store, se
cured a small phial of chloroform, re
turned ta her room and drank the poi
son. Other lodgers discovered her
plight and summoned the police. Pa
trolman Maxwell and Helms Investi
gated and caused her to be taken to the
emergency hospital,. Where she was
treated. Her condition was not serious.
For tho present the girl is being
cared for by the W omenta Protective
Division. It Is probable that action will
be taken against Weston. It tho story
la verified by investigation. '
ALBANY PIONEER IS BURIED
George F. Settlemier, 8 6, Survived
by Son in Alaska.
ALBANY. Or., Feb. 8. (Special.)
The funeral of George F. Settlemier,
resident of Albany in pioneer days, who
died Thursday at his home rgar Foster,
was held today, at this city. Ho wai
St years old.
Mr. SettlemUr conducted a drugstore
in Albany in the early days of the city,
but had not resided here for a great
many years. He la survived by one son,
Charles R. Settlemier, editor of the
Dawson Dally News, of Dawson, Alaska.
john Mason jones dead
Grants Pass Veteran Passes Away
at Age of 82.
GRANTS PASS. Or.. Feb. S. (Spe
cial.) John Mason Jones, a resident of
the Grants Pass district since 1888,
died at the homo of his eon, Alonzo
Jones, In FruHdale, January 28. He
was born In Greenbriar County, Vir
ginia, November 9, 1836, being in his
82d year at the time of his death. He
served with the Second Indiana Bat
tery during the Civil War, and later
located in Kansas, coming to Grants
Pass in 1888. He was married in 1855
to Harriet E. Sebert, who passed away
in 1914.
The deceased is survived by two
sons Alonzo Jones, of Fruitdalo Pre
cinct, near this ofty, and James Jones,
of Phoenix, Ariz.
Indian Predicts Early Spring.
ABERDEEN. Wash.. Feb. 3. (Spe
cial.) Old Chief Taholah, of the
Qulnault tribe, predicts that Spring
will be here soon. He says that the
Relieves Serious Case '
r of Chronic Constipation
Dr Caldwell's Syiwp Pepsin
Corrects Condition That
Seemed Hopeless.
After suffering 'from chronic consti
pation until she was so run down Sne
was unable to do any kind of work.
Miss H. A. Frees,. 209 Adams St., Day
ten, Ohio, obtained a bottle of Dr.
Caldwell's Syrup Pepsin and used It
with such gratifying results that she
continued the treatment and has writ
ten to Dr. Caldwell that her condition
is again normal and that She wants
to recommend Syrup Pepsin to every
one who suffers with constipation.
Dr. Caldwell's Syrup Pepsin Is a com
bination of simple laxative herbs with
pepsin, gentle in Its action and free
from griping or other pain or discom
fort. It contains no Opiate or narcotio
drug, and. while acting readily on the
must stubborn case of Inactive t"wels.
Is absolutely safe for the tiniest babe,
so that it is the ideal family laxative
and should be kept on hand in every
household for use when nee-ed.
m Dr. Caldwell's Syrup Pepsin costs
only fifty cents a bottle and is sold in
drug stores everywhere. To avoid Im
itations and ineffective substitutes be
sure you get Dr. Caldwell's Syrup Xep
1 I Sj ? ll ii
i . in,. i
sin. See that a facsimile of Dr. Cald
well's signature and his portrait appear
on the yellow cartofi in wh.ch the bot
tle Is packed. A trial bottle, free ot
charge, can be obtained j- writing to
Dr. W. B. Caldwell, ioi Washington St.
Moiticcllo, Illinois,
, T '
frogs have brought the snow to cover
themselves up for awhile before they
wake up and call Spring. He -says
this la an old Indian proverb when
snow comes at this. time of the. year.
Experiments that will cover three
years are being made in Siberia t
determine whether' sugar beets can bo
grown there profitably.
GLASS OF SALTS
CLEANS KIDNEYS
If Your Back Hurts or Bladder
Bothers You, Drink Lots
of Water.
When your kidneys hurt and your
back feels sore, don't get scared and
proceed to load your stomach with a lot
of drugs that excite the kidneys and
irritate the entire urinary tract. Keep
your kidneys clean like you keep your
bowels clean, by flushing them with a
mild, harmless salts which removes the
body's urinous waste and stimulates
them to their normal activity. The
function of the kidneys is to filter the
blood. In 24 hours they strain from it
600 grains of acid and waste, so wa
can readily understand the vital impor
tance of keeping the kidneys active.
Drink lots of water you can't drink:
too much; also get from any pharma
cist about four ounces of Jad Salts;
take a tablespoonful in a glass of
water before breakfast each morning
fora few days and your kidneys will
act fine. This famous salts is mad
from the acid of grapes and lemon
juice, "combined With lithio, and has
been used for generations to clean and
stimulate clogged kidneys: alpo to neu
tralize the acids in urine so it no longer
Is a souree of irritation, thus ending
bladder weakness.
Jad Salts Is inexpensive; cannot in
jure;, makes a delightful effervescent
llthia-water drink which everyone
should take now and then to keep thoir
kidneys clean and active. Try this, also
keep up the water drinking, and no
doubt you will wonder what became of
your kidney trouble and bacUacha. .
Adv. .