THE SCRANTON TRIBUNE-WEDNESDAY, NOVEMBER 1, 1899.
Published Dally, fixctpt Bnnday. by Tho
Tribune Publlshlnc Company, at Fifty
Cents a Month.
New York Ofllco: UO Nnfsnu St..
S. 8. VnnBTAND.
Bole Agent for Foreign Advertising.
Entered at the Postofllco nt Scrnntoa.
Pa., ns Beccnd-Clnss Mall Matter.
When rpnen will peimlt, The Trlbuno
l alwnyB plad to print short letters from
Its frler.ds lirarlng on current topics
but Hf rule Is that Iheso must bo Dinned,
for publication, by the writer's real name.
TEN PAGE&
"sCKANTON, NOVEMBER 1, 1S09.
REPUBLICAN NOMINATIONS.
State.
Justice of the Supremo Court J. HAY
IIKOWN, of Lancaster.
Judge of tho Superior Court JOHN I.
MITCHELL, of TIukh.
State TrenMircr LIEUTENANT COL-
ONEL JAMES E. UAKNETT, of
Washington.
County.
Commlssloners-JOHN COURIER MOH
KIS. of Scrnnton: JOHN PENMAN,
of Olyphnnt.
Autlltors-WILLIAM E. JOHNS and ASA
E. KtEI'EH. both of Scrantuii.
Election ilny. Nov. 7,
There Is mention ot RrlRtidlcr Gtn
rral Trod Oranfs n:tmo In connection
with tho next vlconrortdGntlal nomin
ation. Why"
On to Victory.
N TUB PRESENT county cam
paign thcro Is no inducement for
any Republican to vote for tho
Democratic candidates. Theie Is
no charge, real or false, that tho man
ner of the nomination of tho Republi
can ticket was tainted with objection
able methods or not fairly represpnln
tlve of the popular will. The nomina
tions were nn nnobstiucted expression
of the party wish as recorded at the
primaries and no Republican who
figured ns a candidate for any nomina
tion now questions the fairness of those
primaries or sounds the tocsin for re
venge. In the organization of the new coun
ty committee there might have been
a falter nppoitionment of representa
tion but those who were discriminated
against aic not sulking. They are dis
posed to recognize In such matters tho
truth of the rule that to tho victors he
long the spoils and tho responsibilities.
In so far as factional pui poses are
masked In any of these manoeuvers,
they can well bo left to the future for
consideration and action. At present
the duty of Republicans is to stand by
the Republican ticket: to give fair and
earnest support to every man on it;
to work for victory ns a necessity of
party organization nnd party supre
macy in the future; and to make the
victory of next Tuesday so complete
nnd emphatic that it will take all the
light out of the political enemy one
year hence.
County Chairman Vo.sburg has ef
fected, it Is said, a very complete or
ganization of forces nnd his Informa
tion Is to the effect that no disaffec
tion exists nnywhere within the coun
ty. The only need Is for thp bringing
out of tho party strength on election
day. In this work every loyal Re
publican should zealously co-operate.
Penman and Morris; Johns nnd
Klefer for this campaign bear the un
questioned credentials of the Republi
can party; the Republican who with
holds support from any one ot them oc
yields to .siren persuasion to Indulge
in dickers with the enemy Impeaches
Ills Republicanism and does Injustice to
his party.
The cannonading at New York on
Dewey day, It is said, was heard nt
Cape Cod, 2.10 miles away. If this in
telligence had been advanced earlier it
might have been attributed to the
Mole St. Nicholas correspondent.
Life Insurance.
IN THIS month's number ot
Gunton's magazine appears a
posthumous article from the pen
of the late Shoppard Ho
mans which presents intelligently
some pertinent thoughts relative to life
insurance. When It is considered that
tho American people are paying each
year almost $2.'0,000,000 for premiums
and that they have approximately $1,
250.000,000 invested for tho (benefit of
their future 'widows nnd orphans, It
can be seen that the subject of life In
surance is worthy of more caieful
study than It has received ftom tho
masses. Says Mr. Homans:
'While life insurance is a blessing
nnd one which is better appreciated
ench year as its practical advantages
nre more widely known, it does not
follow that it should bo adopted with
out discretion. Theie are various forms
f policy contracts? from among which
"ihore Is room for intelligent choice. A
young man with no capital, or with
moderate capital, all of -which ho need.
in his business, would not make a ju
dicious choice if ho selected a short
term endowment insurance where the
investment element is large. Such n
policy contract might on the other
hand be most Judiclcus for a man who,
having an assured income, desires to
make provision not only for his family
in case of his own death, but for him
self in case he should survive to a stat
ed age. Again, one who has a number
of persons depending upon his exertions
should select a different form of policy
contract from nnother who has only
one dependent. There is abundant room
for intelligent cholco in the selection
cf the most suitable form of policy and
of the company which offers the best
advantages, and yet thero are few en
gagements into which men, even tho
most careful, enter with so llttl
thought nnd Judgment as those of Ufa
Insurance. The result Is that tho num
ber of lapses, or premature discontin
uances, Involving disappointment and
Joss, is simply enormous."
,.s an illustration of tho folly of ef
fecting insuranco without proper cav
tpn and knowledge Mr. Homans cltss
the(cases of those who have been in
duced to accept the contracts of assess
jnrht associations. "The principle up
on which assessment insurance 13
based," says he, "Is that death claims
will be met froro. tho proceeds of as
sessments to be levied upon surviving
members. The security of such Insur
ance depends neccfsarlly upon the abil
ity of the association to compel tho
payment of ii9sessmentH by survivors.
If survivors can release themselves
from tho liability to respond to
assessments when levied to meet
death claims, then the security
of tho Instil ance Is lessened or de
stroyed. If on the other hand the as
sociations can compel survivors to re
spond to assessments when .levied to
meet death claims, then tho members
have entered Into a contract which can
end only with their own lives, nnd per
haps not even then. Such liability t
consequently Indefinite ns to time, and
unlimited ns to Its pccunlaty amount.
The decisions of tho courts nro not
uniform, but in a largo majority of
cases they Indicate that In becoming a
member ot an assessment association a
man makes himself liable for assess
ments during the remainder of his life,
even although his own Insuranco shall
have ceased."
A different illustration might bo cited
In the case of policy-holders In certain
regular companies who, after ncccpt
nnco of an apparent discount In pic-
mlums conditioned upon cash payments
In advance, afterward sign lien notes
for the amount of the discount without
having Investigated fully ns to the na
ture and effect of the Hen In its bearing
upon tho liability of the policy or hav
ing considered the possibility that an
unscrupulous agent, to protect himself
ngalnst tho antl-rcbato law, might
himself forgo signatures to lien notoa
and be off to other Melds ere the forgery
was detected. Such practices aro hap
pily infrequent; but they contribute a
substantial reason why tho candidates
for Insurance should do business with
agents nnd companies of known reli
ability only.
Tho expected has happened at Lndy
sinlth In a manner which renders Eng
land's position exceedingly grave. The
loss of 2,00'1 ttoops by capture is not
in itself an irremediable misfortune ton
country possessing England's military
strength; but when jealous tlval pow-
:' :, v.. " " " .' u "'I
ifivemion, u is uouoiy untoi tunaio,
and It may also aggravate greatly tho
possibility of an Afrikander uprising
in Cape Colony. The developments ot
the next foitnlght In South Africa will
possess dramatic Interest.
An Impending Crisis.
THERE ARE intimations, too
significant to be disregard
ed, that the time Is drawing
near when the government
of the United States, through its de
partment of state, will have, in the
expressive vernacular, "to fish or cut
bait" with respect to China. A situa
tion is likely at any moment to develop
which will bring the American nation
to the necessity of deciding between
radically variant alternatives in re
spect to the commeiclal and Dolltlcal
future of the Chinese empire.
Hefore tho war with Spain Inter
vened, far .seeing men nt Washington,
who were alive to the commercial im
portance of China when opened to
modern influences, and who realized
that under proper conditions the United
States might reasonably expect a large
expoit trade with that great oriental
empire, were considering what policy
our government should define toward
the Impending (nnd, ns many believe,
the Inevitable) dismemberment of China
and its partition nmong the powers.
While the war with Spain temporarily
Interrupted this consideration of sug
gested policies it also, providentially
ns many think, gavo into Ametlcan
contiol. In the Philippine- Islands, a
strategic and commercial base calcu
lated immeasurably to augment our
proper interest in the Chinese problem.
We were then a distant cower con
cerned only remotely in China's fu
ture; but today we nre a near neighbor,
with a concern heightened by propin
quity which nono can dispute or dlsre
card. Two courses lie open. We may Join
in the dismemberment, claiming nnd
enforcing an equal share; or we may
lay down the dictum that "suheres
of European influence" created in
China will receive American recogni
tion only upon condition that treaty
rights now existing shall be perpetu
ated In them without discrimination;
in other words, "the open door." The
former alternative would tar us with
Europe's dirty stick; the latter would
bo likelv to defeat In some Instances
the chief purpose of European aggres
sion In China. Tho former is not con
siderable for an instant; the latter may
mean fiictlon, resistance, possibly in
the long run war. Rut In the latter
course we should have the co-operation
of Great Hrltaln, whose Interests
In nn open door are parallel with
our own; nnd If we shall ndont
It with icsolutlon, putting into readi
ness for use If needed the naval
strength which we possess, it will offer
tho better chances of bucccss and Drn
herve unto tho future lights which It
were criminal to yield up.
Rlela's comet, tho supposed harbinger
of war, came very near spreading its,
tail too late for the South African
struggle.
m
Why Roberts Must Qo.
ATA"E CHICAGO woman who
espouses the cause of Polyg-
JL nmlst Roberts for tho as
serted reason that there are
congressmen who nro guiltier of
offenses against social morality than
Roberts is may be correct in this
hypothesis; yet her position is Illogical.
Assuming, for argument's sake, that
there are members of congress who
lead double lives, none of these has
run for congress on the platform that
ho ought to bo permitted to commit
adultery whenever he so desires nor re
celved from his constituency a com
mission on this basis which, if ac
quiesced in by congress itself, would
have tho politico1 effect to legalize by
sanction of t'io lilghest law-maklns
assemblage in the land the nullification
of marriage and home. If there are
members of congress morally as guilty
as Roberts is, they at least havo the
decency not to brag about it and
flaunt their guilt In tho public's fnco as
their chief title to distinction and their
principal object in public life.
It is the political uspect of the Rob-
erts case which offends. We do not
mean the partisan aspect; one vote lo3t
or gained to a particular party would
not warrant nil this fuss; but by tho
political aspect wo mean Its bearing
upon tho broad question whether
polygamy as a social institution, exist
ing In direct defiance of Mormon pledge
nnd speclflo law, shall be tolerated In
this country or stamped out. Roberts
represents tho perfidy of the polyga
mous element in Its relationship to
federal nnd state enactments; and ho
repiesents, moreover, the Impudence of
the confessed law-breaker who repeat
edly asserts his contempt for tho pub
lie opinion which Is behind the violated
law.
Whatever his personal ability or
meilts, this attltudo unfits him for a
seat In congress and necessitates his
prompt expulsion.
LIFE INSURANCE.
Mr. Betts Answers Mr. Duncan.
Editor of Tho Tribune
Sir; Although I can hardly sparo tho
time, I will endeavor to devote a few
moments to answering Mr. Duncan's let
ter in Tho Tribune of this morning end
give hi in tho Information he ujUs lor.
In the Hist place, Mr. Duncan Buys that
his letter was no moro in tho nnturo of
tho advertisement of the two companies
referred to In his llrst letter than was
mine, which appealed in Tho Trlbuno of
last Friday morning In regard to tho
"Three Giants."
1 would remind Mr. Duncan that I did
not bring forward tho words "Threo
Giants." ThesH words were llrst intro
duced by tho editor of The Tribune; con
sequently, I was nt liberty to use thoso
words without any Indelicacy. Had I
used tho term "Three Giants" first, then
1 would havo been In a position ot beck
ing an advertisement. Hut, under tho
circmstances, the matter appears In nn
entirely different light which ho cannot
say wns the case in his reference to tho
companies named.
Secondly, ns to why I used "Misleading
ratios," this was dono simply for tho In
formation of The Tribune. As I natural
ly presumed thut ho had gathered his In
formation In tho llrst article from ratios,
I took those ratios and showed what they
purported to provo nnd then showed tho
lnllncy ot relying upon them.
Thirdly, ns to "assets held": As Mr.
Dunc.in says, "Any one with tho llrst
gtnln of senso would understand what
iisets held means," In so fnr as the re
servo ns compelled by law was concerned,
but that does not Include the surplus.
Surplus may bo nny amount that a com
pany chooses to hold, and unless there Is
a tontlno liability ngalnst the surplus, it
must necessarily be sweated from tho
policy-holder. Thero Is, however, no rea
son why wo should draw Into our com
parisons the amount of reserve held; this
amount being Identically the same In all
companies and so understood, there Is
no reason that It should be considered for
a moment.
We, then, come back to tho surplus:
The adroitness of Mr. Dunrnn consisted
of the manner In which ho associated a
company, holding a surplus of nearly 13
per cent., with thy other companies
whose combined surplus amounted to llt
tlo over 10 per cent. As Mr. Duncan re
fers to the nnnunl dividend companies In
the matter, I presume neither of the com
panies mentioned has much tontlno Insur
ance In force. Therefore, the enormous
percentage of surplus must havo been
withheld from the policy-holders. The
question naturally arises;, for what rea
son? As It was not returned to the policy-holders
who died or matured their
contracts In tho past, what reason has
the insuring public to believe they will bo
treated more f.ilily in tho future?
Fourthly, we come to the matter ot
"threshing over old straw The reason
I used this phrase wns, becauso I have in
my otllco ten or twelve ratio statements
similar to that used by Mr. Duncan in his
letter ot the 2Sth Inst., which our ngents
have gathered up, from time to time
(some of them a long tltno ago) and
which were Issued by Mr. Duncan's com
pany, and some by Mr. Duncan himself,
In competition for business. I therefore
felt justified In saying that Mr. Duncan
was "threshing over old straw."
In regard to the "volume of busi
ness": As Abraham Lincoln truly said
"You can fool sonio of the people all oi
tho tltno nr.d all of tho peoplo some ot
tho time, but you cannot fool all of tho
people nil of tho time." I would there
fore say that tho immonso number of
people Insuring in tho larger Insuranco
companies Is tho best evidence of tho
valuo of thoso companies to tho Insuring
public. This may be. however, duo to the
fact that thero has been no Moses to
lend this immense number of peoplo Into
a better way of Insuring lives.
Ho also takes exception to the "larger
companies," as ho terms them, going to
tho ends of the earth for insurance, and
asks how this can benefit the American
policy-holders. For his instruction I
would say, it benefits tho policy-holder
In two ways: Firstly, becnuso It elves
us a better averaged mortality and a bet
ter security. An epidemic that would
effect ono particular portion of the coun
try would not effect the whole world. We
thereforo get a better average of mortal
ity, nnd right hero I would say that tho
mortality of tho cities of Europe
is better than Is tho mortality -of
tho American cities of tho same
size, owing to better sanitary pre
cautions. Then ngnln, a financial crisis
that would effect the securities held en
tirely In ono country or ono section cf
tho country, would not effect tho whole
world. Thus, by going over tho whole
world for insuranco wo minimize the
question of mortality and financial loss
to a great extent.
Then, again, where an insurance com
pany Is supervised by only ono govern
ment (and practically the supervision of
tho different states of tho United States
Is only ono supervision after all), mis
takes may creep in, corruption may bo
possible; but whero we go abroad under
different governments.those governments
hostile to American Ir.nnanco companies,
ve must sfcuro n moro rigid standard
of governmentnl supeivlslon. For In
stance, the countries of Austria, Switzer
land and Prussia will not admit any for
eign con rany to do business unless nil
securities of a lluetiintlrg character and
doubtful form mortgages nro eliminated
from their reyervo rt-sets; and tho largir
companies who do business In thoso coun
tries wero forced to teach themselves
some new lessons nnd to faco tho ques
tion of governmental supervision from a
new standpoint. Sirervlslon by govern
ments wo havo been nccustomed to al
ways, but surcrvlslon as piescnted to us
by our own states becomes a different
problem when preset ted by a foreign
state. Thcro Is such a thing as a French
mind, a German mind, nnd a Russian
mind. Tho same fact presented to these
several minds becomes a different fact;
and so supervision, even though not reai
y moro sevtre, becomes a different thing
on the other sldo of tho Atlantic. Rut
state supervision is really very much
moro severe thero than here.
Hoping this will convey the information
that Mr. Duncan may desire, I am
Very truly yours,
B. II. Detts.
Scranton, Oct. 31.
A Suggestion.
Editor of The. Tilbfne
Sir: I understand that tho so-called
discussion ot life Insurance is supposed
to bo nn thr heavy expenso accounts of
the companies, This serious weakness in
tho management ot tho business is th
fault of tho insuring public nlone, nnd
as long as they are willing to "put up."
Just bo long It will continue at their
expense. When you can get other peoplo's
money to pay your expense account you
will not uso the samo conservatism as
when It comes out of your own pocket.
There Is one and only ono lemcdy for
IllA (rnlll.lt ctif.i. I. 4i. I..... Knll. iM.tl,.
anco nt a fixed price from a stock coin-
imiiy. uompouiion win Keep me rnio as
low ns safety will pcimlt nnd the corn
tint, t, tt'llt 1. ...... .1... ....... ....tin ...I.. .
-...; ...i, ncrM Mil! lAjJliiau i.iuu witiiu
It should be, becnuso they pay the bills
iiitucmi oi mo polley-liomer.
Llfo Insuranco contracts which nro freo
f I OHl Itnttlllllt, v nllnnlimnnlil n f A tin.t.wl
Jk r.".. .".... UI,.,.., intuitu ...W RUU1I.
ana vnluable. If Insurers prefer to In-
esi in -01111(1 pools" tney snouiu not kick
nt tho results. As thero Is only ono
fltnok llfft Inaii.ntin. ....... r.n tit, nt imnrl
-- ...w .IIBUIItllVU ll'l,'.1l. J 1 f,W1S
size, which Issues non-pnrtkipatliig deli
mit! contracts only, I confess mat tna
public evidently profer tho "three enrd
game" with tho other follow dealing.
Allow me to suggest that it Is bad Judg
ment for tho "dealer" to quarrel In pub
lic. Yours truly.
J. W. Duscnbury.
Scranton, Oct. 31.
GOT WHAT HE DESERVED.
From tho Pottsvlllo Miners' Journal,
A Jury in Scranton promptly convicted
tho editor of tho Scrautoulan of criminal
libel last week nnd tho court sentenced
him to six months In prison. Thnt paper
has recently been printing tho most scur
rilous diatribes ngalnst some of the lead
ing citizens of that place, anil tho opin
ion Is generally expressed that tho edi
tor got only what ho deserved. It pays
to conduct n clean newspaper. The libel
laws of this state nre too often violated,
nnd wo hope that the day will come when
foul-mouthed nssnsslns will not be al
lowed to pursuo their nefarious work.
Ornamental Floors, such as we
offer have been in use in Europe
for generations. They are no ex
periment, It is safe to consider that no out
lay will so furnish and enrich a
dwelling as these ornamental floors.
They are cheaper than carpets.
Floors laid and finished in best
manner.
Fine line of patterns to select
from.
Estimates furnished and all work
guaranteed.
HUE & Cooeell
121 N. "Washington Ave.,
Scranton, P.i.
We
Make Clothes
To Suit
All tefceftoofc
The man with, the hoe or
the man with the "dough"
will find more for his money
here than anywhere else.
Wo Jo Dav5s9
leretat Tailor,
213 WYOMING AVENUE
For
Wedding
Preseoteo .
The largest and finest As
sortment of
Sterling Silver-wait
Prices ranging from $1.00
to $ioo.oo.
IMCEMAU k C0HKELL
130 Wyoming Avenue.
Heating
Stoves,
Raogego
FmnraaeeSo
Plmiinnilbiinig
Tioimigc
GUNSXEIt k FORSYTi,
SH-S27 TENN AVENUE.
Jonas Long's Sons.
I A Special
QRGCERIE:
OO
Gooa for 10
For Ten Days Only we make you the following
Ten Dollar Offer in Groceries. It's the Biggest Bar
during the month.
o POUNDS GRANULATED SUGAR $1.00
1 sack Jonas Long's Sons' Best Flour i.oo
2 pounds finest Mexican Coffee 46
1 pound extra quality Tea 50
10 bars best Laundry Soap 25
3 bars, large size, Ivory Soap 2$
1 bar Bon Ami or Sapolio q
1 4-pound package Gold Dust Washing Powder... 18
5" pounds Laundry Starch 2$
1 large bottle of Blue 6
1 large bottle of Ammonia 6
3 pounds Washing Soda 5
6 pounds of new Rolled Oats 2j
6 cans extra fine Tomatoes j0
6 cans extra fine Corn 50
4 cans Baked Beans 24
5 pounds Niagara Cream Crackers, in package 25
j pounds GingerSnaps 25
3 pounds Mixed Cakes , 24
4 quarts Soup Beans (new) 2
3 pounds California Prunes (new) 25
2 pounds extra fine Seeded Raisins (new) 20
2 pounds extra fine Cleaned Currants (new) 18
3 pounds Fancy Head Rice 25
1 can Columbia River Salmon 18
1 large sack of Salt 10
5-pound pail of Lard 45
3 cans of Condensed Milk 25
1 bushel of Potatoes 4
lz peck of Onions 8
1 large bottle of Catsup 10
1 2-oz. bottle of Vanilla Extract 10
1 2-oz. bottle of Lemon Extract 10
Yz pound Baker's Chocolate 18
Y pound Golden Shield Baking Powder 10
1 milk jar of Mustard 10
Y. pound of Pepper 10
1 2-pound can of Corned Beef 20
$10.00
J(U)IMS LU)I 5yffiSj
The Mode un Hardware Stork.
New arrivals pat
terns that will surely
please you. If you
want the best, come
here.
F00TE k SiEAE CO.
119N. Washington Ave.
The Huot &
Cornell Coo
Heating, Plumbing,
Gas Fitting, Electric
Light Wiring, Gas
an Electric Fixtures,
Builders Hardware.
Liuither Keller
L1HE, CEMENT,
SEWER PIPE, Etc.
Turd and OfUoa
West Lackawanna Ave,,
SCRANTON, PA.
Ctafiig
Mslcs
Jonas Long's Sons.
'OO
lays from Ho?. 1. 1899
gain ever offered to the
people of Northern
Pennsylvania. Quality
is Absolutely Guaranteed
the Best. If inconveni
ent to make payment in
full between the ist and
10th of the month, pay a
small deposit, leave your
order before the ioth of
November, and we will
deposit the goods C. O..
n. fnr hnlnnrp nnv timo
HENRY BEL1N, JR.,
General Astnt for tUa Wyomlaj
District fjr
Ulnliis, Blasting, HporClns, Smokaloti
ftud the Hepaunu CUcuitcu;
Co.npiiuy
HIGH EXPLOSIVES.
knlety I'uts, Cnpi unci HxploJart
Hoom 401 Con noil tiulldtu;.
ricrautja.
AUUNCIlil
THOS. FOHD. - - - Plttston.
JOHN D. SMITH & SON, - Plymouth.
W. E. MULLIGAN. - Wllkrs-Uanc.
DUP0NT8
PI1IESL
Sl For three years I had been "suffering from
dyspepsia and stomach trouble, and had tried every
thing from patent medicines down to- the ' hot water j
remedy. ". Last spring I noticed Ripans Tabules ad-'
vertised in the village paper, and bought a package
of Dr. Durant. I had not used more than a dozen
before I felt better. " I keep them in the house all
the lime and give them to my friends, but I rarely
.have occasion now to take one myself."
INLEY
The
of the
Season
A purchase of near
ly 2,000 yards ena
bles us to offer the
greatest value in up-to-date
silks that
that have ever been
brought to this city.
The lengths vary
from 5 to 15 yards
each, and for com
plete Dresses, Sepa
rate Waists or Fine
Wrap Linings, are
the opportunity of a
lifetime.
They are arranged
into 3 lots as follows
AT
69c 88c $iL2g
worth worth worth
$1.00. $1.25. $1.75 to $2.25
Sale Opens Saturday Morning.
510 and 512
! LACKAWANNA AVENUB
No matter how hard you try of a
better place to buy your office sup
plies and stationery than at our es
tablishment. We carry our lines as
near complete as possible. We cater
for the up-to-date trade and if its a
good thing in office wants we have
it. We still put the planitary pencil
sharpener on trial in any offiice for
ten days free of charge, Our line of
Stationery and Engraved work is as
dainty as ever and wish you to in
spect our lines.
Reynolds Bros
STATIONERS and EXGKAVER3,
Scranton Pa.
nn
s k
Sac
' nil wwipwwww
Y011 Cannot TMnk
).