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About Tillamook headlight. (Tillamook, Or.) 1888-1934 | View Entire Issue (Oct. 12, 1905)
TILLAMOOK HEADLIGHT, OCTOMER 12. 1905. Tillamook Ocabligbt. 1 I much Fred C. Baker, Publisher. Insurance Too High. The cost of life insurance is too high. This is the conclusion to which Allen H. Willett, of Brown University, comes at the end of an exhaustive article in the September number of the Political Science Quarterly. In the course of the article he explains elaborately the arithmetic by which life insurance rates ought to be determined, and considers fully the rates maintained by the twenty-four principal American companies. Apart from all consideration of the >ery high expense of conducting the companies and get ting new business. ,Professor Willett asserts that whether results be reached by an analysis of the elements of the in come of insurance companies and the re lation of each element to the purpose to which it is theoretically assigned, or by direct examination of the gain and loss account of the insurance companies, the same conclusion is inevitable, that the premium rates are unnecessary high. “With no improvement in the methods and practices of insurance companies/' says Professor Willett, “a reductic n of 10 per cent or 25 per cent in premium rates is possible for a company manag ed with average care and efficiency, and is in every way desirable.” But, as Professor Willett remarks, it is not enough to bring the insurance rates down to .the present cost-level — the cost itself is too high, “It is démon trable,” he says, “that some of the prac tices of insurance companies tend to in crease their morality loss, that a higher net rate of interest could be secured on I their inyestments, and that the cost of administration is often extravagantly high. Improvement in any of these par ticulars would materially lower the cost of insurance, and make possible a further reduction in premium rates, resulting in a wider utilization of the benefits of in surance by people of small or moderate income.” How arc the companies to be persuad ed or compelled to reduce the amount of their premiums ? This is a question upon w hich Professor Wallett does not touch. Perhaps the solution of the problem will be to give insurance commissioners the power exercised by railroad com missioners, of fixing rates. Whether the state could empower an insurance com missioner to prescribe the rates for ex isting insurance companies is a question of law depending on the statutes of the several states, but there is no doubt that the state would.have such authority over corporations created subsequently to the grant of enlarged powers to the insurance commission.—San Francisco Bulletin. rang in his ears for years after- [ pooned” by the politicians who control ward. By grubbing on his farm and our Board of Trade, but we don’t get ; celling all that he could possibly spare, angry when twitted about it by Harvey he, in time, accumulated one hundred Scott or anyone else. Its part of the , dollars, which was loaned on interest. game and the laugh is properly on us. “ Some day, the country editor will By economy another hundred was ob tained and loaned. Time passed on and acquire a little business sense, and de more was earned and loaned. Years mand cash for his paper, and a fair price rolled by. The man became a money for advertising space. But until he does, loaner, but the merchant became a he is not in a position to resent the good bankrupt and said, “Mr Ferrell, can natured jests of the metropolitan papers. you loan me $5,000?“ The latter re plied, “ I presume I can loan you that much.” Thus did the scales turn, the merchant spent more than he made and failed, the farmer spent less than he made and succeeded. I wish I owned that large house over there ! That man must have been born lucky, else he never could have What kind of looking done so well. man is he, anyway ? My diligent in- quirer, you see that man every day. He is engaged in the humble calling of salting a railroad track. He looks as if he might be a pauper ; not so, he is kind, affable ana polite. He attends to his business ; you will always see him on his post of duty at a certain hour. He has lived each day on a part of his wages and the rest he has carefully invested ; old age is fast ap proaching, but he rents his property for more than enough to sustain him ; he is prepared for any emergency in life. He has been cautious, industrious and economical, and his life, though humble, lias been a success. Who bujjt that business block ? It is a man who started in life by sell ing goods, taking them from house to house in a wheelbarrow. He went for ward but never backward. He always regarded “ a bird in the hand worth two in the bush.” Each day found him worth more than the preceding day. This was the policy of his life, ard today he is pointed out as an ex ample worthy of imitation by those who would attain a huge amonnt of wealth. Instances can be repeated in show that the sufficient fullness to 1 common excuse usui tally given for fail- ures in life are not well founded, and indeed, if well founded might be obviated with the proper guide under unfavorable circumstances, It is true that protracted sickness and chronic diseases weigh heavily upon the sold and tend greatly to discourage, but these thingscan be made of financial advant age Human chords are so regularly strung that calculation cannot well be missed A little effort put forth bv the sick often far more than counterbalances five times the effort put forth by the vig orous. A young lady known as an in valid to all the inhabitants of her town, canvassed the citizens for an ordinary selling article ; she made forty dollars in three days. No person of vigorous frame and muscle could have done so well in the same place. This is one instance wherein the sick have an advantage over the well. The man with but one leg or but one arm has an especial field before bint laid out in the business of canvassing. Humanity wants the best of every thing. Canvas sers generally carry ksucli and it pleases each person toj have the same shown him by those who cannot engage at other occupations with equal success. The blind become musicians, composing and executing successfully music of the highest order. They can be orators, or writers,and if their brain is not sufficient ly active for this they can string beads, make baskets and bottom chairs. Their malady docs not shut them off from the avenues of making money. If a man pleads ignorance it should not be counted as an excuse. He certainly knows enough to salt the railroad track, to drive an ox. or to dig with a hoe. Inability to read cannot well be brought up. common soldier, unable to read, worked his way up till he became eni- peror of the Roman Eutpite. If a man lacks opportunity he should turn the scale and make opportunity ; he should ‘urn eyil into good ; bad luck into good luck, and mistort tine into fortune. The statement that helms missed his calling too apt to be the result of impatience in anv business enterprise. When under taking any line of business, first, like Davy Crocket, “ be sure you are right.” This can be ascertained by cautions e ffort, but alter this “ go ahead.” Inde pendent positions in life are as a rule ob tained onlv by a long effort in one direction ; incidental successes are the exception, and should not be taken as standaid guides. Do something, do it well, and do it long. — American Farmer ROCK PAINT AND OIL A Nashville Concern Manufactur ing From a Carboniferous Rock. The Nashville Carbon, Faint & Oil Co , has begun manufacturing paint and oil at its plant in northwest Nashville, there being at present about 20 men employed. It is proposed to expend about $70,000 for additional machinery and ultimately to employ 200 men. The material used is a carboniferous rock obtained in Cheatham County, on the Tennessee Central Railroad, near the boundary of Dayidson County. This rock is found on the surface of the land and extends down to an unknown depth. Eleven men are engaged in mining it ; they have gone down 40 feet and have not reached the bottom of the deposit. Spur tracks are being built bv the Tennessee Central Railroad to the land leased by the company. The process employed was invented by I. R. Jeffers, vice-president and general manager, and is guarded as a secret. About a year and a half ago Mr. Jeffers organized a stock company at Freeport, III., and established a plant there. The plant at Freeport and that recently es tablished in this city are the only plants in existence at which the process is em ployed. The apparatus installed at the plant of the Nashville company are five retorts, two crushers, one pulverizer, one dust collector and numerous minor devices. About 100 tons of rock has been de livered at the plant since the operation was begun, and it is expected that 1,000 tons will have been delivered by the end of the year. No waste product results from the manufacture. Oil obtained from the rock is similar to ichthyol and emits a strong and rather unpleasant odor. In extracting the oil from the rock gas of the common variety is generated and is used as fuel in the furnaces of the plant, this gas being about 58 per cent of all the fuel required to operate the plant. The plant is a natural fixed carbon paint and a natural preservative and deoxi dizer of iron. ______________ Where Life Insurance Goes. Money N ew Y ork , Oct. 5.—That the astound I Sheriff’s Sale. Over 30 Years experience in Die Business Notice is hereby given that by virtue of an execution duly issued out of and under the | ^»1 .»1 the County Court of theStatc of Ore- ! gon for I illamook County upon a Judgment ' rendered in said court and dub’ docketed I therein on the first day of August, 1904, in favor of John Svenson. plaintiff, anil against | Vincenz Jacob and M. Melchior, defendants. ' tor the sum ot $270, with interest thereon at the rate of G per eent per annum from April lGth, 1904, for the further sum of $35 as an attorney’s tee and the further sum of $M.lo costs aiid disbursements, on which there : 1 the *«m ....... g’,o on August was paid 3, 1004, and »«id writ oeing to me bearing date the dulv directed and have, -- by vir- 1 vth <lav ot September. 1904,1 ------------ ... the tue thereof, <1 uly levied upon the tollowing Up to date Harness Shop. The only complete shop of described real property situated in Tillamook Oregon, to.wit: All the right, title kind in Tillamook county. I handle no shoddy goods, but my Countv, and interest which the said Vincenz Jacob hail on said August 1st, 1904-, or has since prices will compare with those that do. had in and to the following described tract, to-wit: Beginning at the half mile stake be Next door to T illamook C ounty B ank . Local Phone. tween Sections fifteen and twenty-two in township one south of range 9 west of the Willamette Meridian, running thence south IGO rods to the south east corner of the northwest quarter <>f section twenty-two: thence in a northwesterly direction to the south eust corner of the north west quarter of the north west quarter of said section 22, Begins its 24th year September 20th 113 2-11 rods more or less; thence north to the section line between said sections T hree C ourses of S tudy fifteen anti twenty-two so rods; thence east Preparing for County and State Cer- on said line xo rods to place of beginning 60 acres more or less. Also the liticate». Higher courses recognized in containing homestead claim of Peter Brant being the Washington and other States. south west quarter of section fifteen in town ship one south of range nine west of the D emand for N ormal T rained \\ illamette Meridian, excepting therefrom Go acres heretofore deeded by Peter Brant and T eachers . wife to Mary E. Judd by deed recorded on Longer terms, higher wages and better page+<>x of book • E" of records of deeds for Tillamook County. Oregon. opportunities tor promotion awnrd the And in compliance with the demands of Normal graduate for his enterprise. said writ I will, on Friday, the 27th day of School directors appreciate the superior October, 1905, at the hour of 10 o’clock A. ability of Monmouth graduates and the M. at the court house door, to-wit : At the door of the sherift’’s office in Tillamook City, demand far exceeds the supply. Tillamook County. Oregon, sell at public auction to the highest bidder for cash in Special attention given to methods work in graded and ungraded schools. hand, all the right, title and interest, which Ælogues containing futi information will be -n^on^ppbeat.on. . the said defendant had on the 1st day of August, 1904. or since has had in and to Correspondence invited. Address the above described real property to satisfy said execution judgment with interest, and Or J. B. V. BUTLBR, Secretai v. costs and all accruing costs. HARNESS, COLLARS, SADDLES, &C, Everything Needed in the Harness Line you will find at W. A- WILLIAMS MONM.OUTH STATE NORMAL H. VVOOLFK, Sheriff of Tillamook County, Oregon. Dated this 20th day of feeptember, 1905 RED FRONT SHOE T. BOTTS, H Complete set of Abstract Books STORE A ttorney - at -L aw . ’ Is now located in the Store formerly used as the Model where LADIES’, Restaurant, v L— GENTLEMEN and MISSES’, CHILDREN FOOT WEAR of the latest and best quality will be constantly kept in stock. Taxes paid for non Residents. Office -opposite Post Office. in office. Both phones. w COOPER, My experiance in the shoe business for 30 years give me A ttorney - at -L aw , the advantage in selecting boots and shoes suitable for the Tilla O regon . T illamook , mook trade. The public are cordially invited to examine my goods and get prices before purchasing elsewhere. The Red Shoe Store is the only Boot and Shoe Store in Tilla CARL HABERLACH, mook county. VII goods purchased of me will be repaired at the following rates 60c. Men’s Shoes, half soled 40c. Ladies’ n 35c. Misses’ V n ing tntalof more than $2,600,000 has been paid as commissions by the Mutual Life Insurance Company to two members of No More Campaign Contributions. the family of Richard A. McCurdy, pres No more money will be contributed to ident of the company, and the promise the campaign fund of any party, says of District Attorney Jerome that the in McCall of the New York life insurance surance scandals certainly will be sub company, speaking for that corpora mitted later to an extraordinary grand tion. He adds that, “In order definitely jury, were the sensational developments to express ami fix the company's posi in the insurance situation today. tion, I shall ask the board of trustees at It was brought out by testimony its next regular meeting, to pass a reso before the legislative investigating com lution which will make it clear to every mittee that Robert A. McCurdy, a son of policy holder and to the public that the Richard A. McCurdy, has received as New York Life will never contribute to commissions on foreign business $1,163, nnv political organization, for any pur 829, and on domestic business $541,852, pose whatever.” ami that Louis A. Thiebaud, son in-law STEAMERS—SUE II. ELMORE, W. II. IIARRISolL This is all right. Trust funds should of Richard A. McCurdv, has received an ONLY LINE—ASTOTIA TO TILLAMOOK, GARIBALDI, not be paid out for anv object except for aggregate of $920,113 in commissions BAY CITY, HOBSONV1LLE. t’ at “nominated in the bond.'* It was from the company. It was also brought Connecting at Astoria with the Oregon Railroad & Navigation Co. and natural enough that McCall, though he out that Robert H. McCurdy expected also the Astoria & Columbia River R. R. fol San Francisco, Portland was a Democrat, should pay money in his income this year would be about and all points east. For freight and passenger rates apply to to the Republican campaign fund in the $110,000. SAMUEL ELMORE & CO. General Agents, ASTORIA, OR recent elections. The financial honor Previous to this testimony, W. F. B. C. LAMB, Agent. Tillamook Oregon. and stability of the country, as he knew Thummel, an attorney for the Mutual & R N. R R. Co R. Co . Portland. Agents 1° R & c pordand and ns he confessed, depended on the Life Insurance Company, testified that success of the republican party. A vic he had paid to the chairman of the Re Sue H. Elmore carries Wells Fargo Co.’s Express lory for his own party, in the campaign publican Congressional campaign com in which it was led bv Parker, as in mittee the sum of $2500 in cash as a those when Bryan was its standard campaign contribution. T imber L and , A ct J une 3, T878.—N ctice for T imber L ax » A ct , J ins 3 1878.—N otice F ob bearer, would have brought disaster to Mr. Jerome, in announcing 1 thecourto P ublication . P ublication . United States Land Office, United States Land Office, the country, and would have hit the that the scandals will be submitted to Portland, O egon, Portland, Ore. policy holders of his company, Demo August 29th, 1005. an extraordinary grand jury, said the Aug. 29th, I905. Notice is hereby given that in compliance Notice is hereby given that in compliance crats ns well as Republicans, far harder inquiry by the legislative committee had the u'Mvisivus provisions a of act ui of vungrrMOi Congress of with the provisions of the act of Congress of , 1 - 1 1 I with »»‘in «uc » i the me avi J . ....... : r_. shown greater moral obliquity and | Jim* 3rd. i S; m . entitled "An net for »he ««le of than did the loss of the money which he June 3. 1878. entitled “An act for the sale lands in ’he S ates of California Oregon, of timber lands in the States of California, moral obtuseness on the part of persons timber ‘ paid out for campaign purposes. Nevada and Washington Territory,’’ as ex Oregon, Nevada and Washington Territory,’’ as important in the business world than 1 tended to all the Public Land State» by act of extended to nil the Public Land States by act of Yet McCall, if he remains at the head did the shocking revelations in regard to August 4, 1892, August 4. 1892. CHAS IÎ. DODD, of his corporation till 1908, will be be the Equitable Life.” ERNEST J GIENGF.R, Of Portland, countv of Multnomah, State of Of Tillamook, county of Tillamook, State of seigedjust as hard by the Democratic Oregon, has this day file«! in |this office Oregon, has this day filed in this office his Don't Borrow Trouble. his sworn statement No. 6660. for the pur campaign committee for funds as he was *T°.L" o"!?teP’eut. No for ‘he purchase section 13 of Il is a bad habit to borrow anything, chase 'of the S % Nw the S H of Se l4 of Section 3i ,tp. 2 north lots ~ and 8, of section No. 14, in range in 1904 The backers of the victim of west and N ’, of Ne *4, sec. No. 6, In but the worst thing you can pumibljr and township No. 3 South, of Range 10 Weal, and township 1 North, Range No. 9 West, and will three years hence will be just as persis borrow, is trouble. When sick, sore, will offer proof to show that the bind offer pi oof to show that the land sought is heavy, weary and worn-out by the pains sought is more valuable for its timber or stone * „„ more for • • its timber vi or Biuirc stone than for tent in their demands for cash from all •' valuable ,r ,— — —•••••««• innn lor for agricultural purpose«, and toestab ish agriculturalpurposes.and to establish his claim and poisons of dyspepsia, biliousneM. than his claim to said land before the Register and the great corporations as poor Parker's Clerk ot Tilla „ Midland i, ; before ... the . v ’ Countv vuin, victkui uiia Bright's disease, and similar internal Receiver of this office at Portland, Oregon, I to monk County, nt rillanv»ok City, Oregon, on dupe* were last year, ft is to be hoped disorders, don't sit down and brood on Thursday, the 16th day of November. 1905 Thursday, the7th day of December, Igos. "He names an witnesses J however, that all the corporations will over votir symptoms, but fly for relief He names as witnesses : Peter Newberg, Loeater, of Tillamook. Ore.; Tillamook, Ore ; Lewis to Electric Bitters Here ion will find Hat ris G Cox of Tillamook Ore.: Henry ¿h" refuse cont ributions except as their indi m r ' •u Ho X ’ ’ onville ’ Ore. ; Frank Crane, of sure and permanent forgetfulness of sll Hives, of Tillamook, Ore.; B. O. Snuffer, of iiiook° o'ree’ °re ' Georgc williams, of Tilla- Metropolitan Papers, Country vidual members make them on their own ore. your troubles, mid your body will not Tillamook, Editors. Any and all persons claiming adversely the account. There is a vast number of ?nd «‘»•lining adversely the Is- burdened by a load of debt disease, above described lands a re requested to file their re3“es«’*<1 to Hie their things for which money is spent legiti Following the meeting of country At Chas I. Clough’s drugstore. Price claims in this office on or before said 16th dav claims tn this office on are or before said ;th day of of November,* 1905 i>eceinber, 1905. nately in national campaigns. The ex newspaper men in Portland, the Ore 50e. Guaranteed. A lgernon D resser Register. A lgernon s . D resser , Register. j>ense of maintaining headquaters, ol gonian punctured their hides a little, Plans ‘to Get Rich »ending out campaign literature and ot just for Inn «nd some of the thin skinned are often frustrated by sudde.1 break supporting orators on the stump has to are inclined to tear their hair. The Ash down, due to dvspej>sia or constipation. T imber L and A ct . J i nx s 1,17$ - notice F ob riMBBK I.AXD, ACT J i xe 3. 1878.—N otice fob i P ublication . P ublication . be paid bv somebody. But the conlri laud Tribune on the subject says the Brace up and take Dr. King,. New . United States Land Office. United State» land Office. Life Pills J fli.-y take out the niati-n.ds buto i s should do the contributing out of Portland, Oregon, Portland. Oregon, Sept. 26, I90A their own pockets This is the Republi country editor is an ass and follows which are .clogging your energies, and Notice i« hereby given that in compliance wkh the J’ he^cby Fven tkatPm iompllmi’ce give you a new start. Cure headache wi.h the very pertinent remarks with the provisions of the act of Centre«* ot can position regarding campaign contri act of Congress of June 3. 1*7«. entileii An act for the sale of tim- with the provtmona of the An button*. act Tor the «,1. “ Wc are inclined to smile at the and dizziness too. At Chas. I. Clough's berlanda in the States f California. Oregon if IL ?r' i '*' j drug store ; 2V-., guaranteed Neiada. and Uaahington Territory.” a« ex' editor who accepts pumpkins and sum tended to ,11 the Public tend State, bv act ot Fkmenta of Sncceas. Augual « 18#t, 7-v.oi «toT^Vu.u'U0.*11 L‘,',d s'“” b’ mer squash on subscription accounts, $1OO Reward. $IOO. KATE COX. The reader« of thia paper will be pleased to \ hundred aerrs here, live hundred but JAMES C. COX how much more ridiculous O( Republic, tounty of Ferry. State of Waah- learn that therei« at lea*t one dreaded disease Republic conn V ot Ferry, state of Wa.h ncres there, one thous ind acres vonder, it is for a ford publisher to keep on send* that science ha« been able to cure in all ita ineton lia. tht» dav Itled f„ thia office her Of liutlon. ha. this day «led In this oBce his stages and that is Catarrh Mali a Catarrh T?h" S» •». for the pnrehase his barns filled with grain, his tichls i>ig a paper year after year when not Cure the Sw \ of Section No u. in T<.wi>«hir> 1« the only positive cure not known to the alive with cheerful herd«, hi* homestead even a pumpkin is offered in payment medical fraternity. Catarrh being a conatitu- No 5 South Range to We«t and »ill .ff,? • h th?, IP i’ a W ,ml wi" nir" Pnx>f t- proof to «how that the land .ought is tional disease, require« a con«titutionanl treat »J"e land •Ofiffht Is more valuable all aglow with contentment and happi there for. went Hall’s Catarrh Cute i« taken internally more valuable for it.timber or .tone th.,, f," fir o. timber or stone than for agricdltnral pur- acting directly upon the blood an<| mucous agricultural purooBPs, and to e-«tahb«h I»»»- lies* ; hi* name i* Ferrell. He came from “ Oh, there are lots of ways for the >ai tacea of the system, thereby destroy lug the r i'll10 **» l"n'' th» County Clerk Ireland, he started in this country with country editor to make an ass of him foundation of the disease.aud giving thè patient o!.Tl.’■«•"‘y t’reson. at Tiflam.wk strength by building up the corn*! it ut ion and City. t»re«on OU Wc.lneolav. the Mh dav «( an ox and an old sleigh. He drove into self and a proper butt for jokes. In our Assisting nature in doing ita wotk. 1 he proprie ^^iv-” wX-c-’^r, atlTS? H have so much faith in it« curative powers, town one day and asked a met chant for two years experience the laugh has been tors that they offer on** Hi nl red Dollars for anv ca-e it fall« to cure eend for list of trail n dollar. The merchmit replied,” 1 pre- on us several times. We have been mom that a Is. aiime I can loan \ou that much ” The buncoed by traveling lecturers. finn. Ad Iresa. F J CHENEY * CO . Toledo. 0. Sold by Druggists, 75c. was not forgotten. ” That - dimmed by subscribers and even “ bar- Hall s fatnilv Pills are the best. I AbUBBMM. S. D bbmbb . Reguter. I Ai axav«it S. DaiMia, Register. ATTORNEY-AT-LAW, JJeittechci- Office across the street and north from the Post Office. H. GOYNE, A ttorney - at .L aw . P. F BROWNE,Salesman Office : Opposite Court House, T illamook , O regon H. UPTON, Ph. G..M.D. P pysician and S urgeon . Office first door East of F. R. Beals’ office. R. BEALS, REAL ESTATE, F inancial A gent , Tillamook, Oregon. hos . coates , T Agent for Fireman’s Fund and London and Lanca shire Fire Insurance Companies. Tillamook .. Oregon. OF TITLE. OR ABSTRACTS CO TO TILLAMOOK ABSTRACT AND TRUST CO. T hos . C oates , Pres. W.SEVERANCE, A ttorney - at -L aw , T illamook O regon S. STEPHENS, • Real Estate and Fire, Life, Health, Accident, Insurance. J Agent for the Northwest School Furni ture Co. and Oigans and Pianos. Notary Public. Office : Southwest from the Court House, in the building occupied as a musk store.
