12
fjr ~ " ==-
Dives, Pomerog & Stewart
A Great Fund of Textile Knowledge Will
BeY ours If Vou Come to See theWhittall
Loom in Operation This Week
Thousands of school boys and girls have been attracted to the wonder
fully instructive exhibition rug loom since it first began the weaving of W'hittall rugs on the third floor last
Saturday—and as many boys and girls are the better off in their knowledge of textiles as a consequence.
If many of us could keep our minds as busy as the shuttle without which there would he no loom made rug,
how much better litted we would be to weave success out of our work!
There's many a good lesson to be learned from watching a rug loom in operation.
Supremacy of Quality Is Woven Into Every Whittall Rug
Anglo-Persian Rugs Royal Worcester Wilton Peerless Body Brussels
9jiU>" *65.00 sl/e Price size Price
8.3x10.6 $58.50 | 9x12 SIB.OO
I HXM $39.50 8.3x10.6 $13.50 ll.Sxlo $51.50
36x63 510.75 fivQ S»J» 75 11.3x12 $43.50
27x54 86.75 # • 10.6x13.6 j $47.50
Teni ae Wilton Rues Chlidema Body Brussels 10.6x12 $42.50
Size V S l*rice «»"> Price 9x15 $12.50
9x15 $55.00 9x12 $35.00 9x12 $30.00
9x12 $40.00 9x10.6 833.50 9x10.6 $28.25
8.3x10.6 $37.50 8.3x10.6 531.50 s« v lofi S'*7 50
6.9x12 $34.00 9x9 $28.50 ° „
6x9 825.00 6x9 $21.50 Jx3 00
4.6x7.6 $13.50 4.6x7.6 $12.00 | 6x9 $19.00
Puj rwr)
The February Furniture Sale Swings Along
With Larger Stocks, Making the Offerings
and the Savings More Attractive
An Exposition of the Better Kinds of Furni
ture That Make Home a Dwelling Place W||
in Every Sense of the Word
Don't envy your neighbor's attractively furnished home. There are equal
chances for all these days to live in comfortably furnished homes, and such a special
occasion as this February Furniture Sale emphasizes the opportunity to buy high
grade living room, dining room, bed room and other pieces at savings from 10 to
Orders for this sale were placed months ago in Grand Rapids and other leading
furniture-producing centers before the advances went into effect that characterize
Old Ivory Pieces ; Period Dining Room Suite
t hairs and rockers in soft old ivory. finish; spring scats $193.00 Adam mahogany dining room suite, 10 pieces,
and upholstered with cretonne $7.50 / $14!) 00
® rown Pieces $93.25 fumed oak suite, nine pieces #75.00
I »iow ii filni t'haiis and lockeis with spring seats, tapestrv Fumed oak. suite, beautiful in design and finished with
cushions and back, wide arms SM>.9.» . > „ • „„
Hall Clocks metal trimmings $125.00
. S ! Fine lot of bureaus and chiffonieres, in mahogany; -bureaus
?>32.M) mahogany hall clocks $27.50 i < ~, ~ • , a,..- /w .
$45.00 mahoganv hall clocks I have 28x34 " mch »" rrors •• -
$29.50 mahogany hall clocks $25.00 brown fiber arm rocker #2.09
$35.00 mahogany hall clocks $27.50 Brown reed chair and rocker, spring seat, tapestry
$59.00 mahogany hall clocks $49.00 cushion seat and back, magazine pockets $9.95
Brown fiber tables $2.00 and $3.09 Dives. Poineroy & Stewart. Third Floor.
9c Sale Groceries To-morrow—ln the Basement
Iwo pounds of granulated sugar for 9(• with each purchase of pound of coffee of any kind to-morrow.
Bo>. (if raisins !>•• i 2 K>h. starch i.inia beans, 11)
bSk Of iiuVrunlM % | P ° WdW T v lan ," y rp b< i an8 ' ! b r 30«. and »5c assortment Sunshine
- boxes Lneeda Biscuits It.- mustaid IK- l'enrl Tapioca, il> »e cakes. Special
Raw: o f flour ; -'ur syrup 8c " quarts Sauerkraut 1i«"
cakes I P. K- S soap )»<• ; .lar pickles lie IJain. Ib 17c
2 cakes Ivory soap »«• j .lur olives : lie Shoulders, lb 13c Dives, Poineroy & Stewart,
1 can Dutch Cleanser ~.. Sic I Pea beans. Ib De Boiled bain, lb 33c Basement.
- »
WEDNESDAY EVENING,
HARRISBURG TELEGRAPH
INSURANCE
NEARLY
Albert 1,. Allen, assistant manager
of (he Stute Workmen's Insurance
Fund, issued a statement to-day pre
senting the present status of the Fund
and explaining the advantages and
protection provided to employers who
insure in the Fund.
Mr. Allen points out that already
7,000 employers have insured their
compensation liability in the State
fund and that before the enij of the
year premium income will be morn
than a million dollars. The statement
follows:
The income of the State Workmen's 1
Insurance Fund for 1916 will un
doubtedly exceed one million dollars.
More than 7,000 employers from all
sections of Pennsylvania have insured
their compensation liability in the
State Fund and at the present time,
the premium income is approximately
$700,000. This volume of business
places the State Fund among the lead- !
ers of the companies \yriting this class 1
of insurance in Pennsylvania.
Influx of business continues at the
State Fund offices and the corps of j
clerks are working extra hours to:
meet the enormous demand from em
ployers for compensation liability pro
tection afforded by the State.
The financial soundness of the State
Fund is definitely assured within the
first month of its existence. Virtually
every class of risk is represented ;
among the 7,000 policies issued, with
a preponderance of exceptionally good
risks. The prediction that the State
Fund would be the dumping ground
for undesirable risks, known in insur
ance parlance as "cats and dogs" has j
been completely disproved 'by the ac- !
tual experience of the Fund.
The success of the State Fund has j
been achieved in spite, of marked an
tagonism regrettably noticeable in the j
activities for business by some insur- |
anee agents and brokers, who have
constantly argued that the State Fund
could not be successful.
Premium Incomes Compared
As a matter of arithmetic, it might
be well to consider the present status
of the State Fund with the status of
any stock company which may be con
sidered to have written a proportion
ate amount of Insurance. The State
Fund has, as premium income, $700,-
000 with which to pay claims. That;
aggregate amount more than repre
sents what competent actuaries have !
decided from past experience Is ade- \
quate to meet all claims accruing from
: the classes of employment the sepa-
I rate policies cover.
A stock company considered as
having written a proportionate
amount of business would have
approximately $778,000 of premium
i income because the State Fund i
may write insurance at 90% of the
rates allowed stock companies. But
the stock company figures on using
only 57 %% of the $778,000 for the
actual payments of claims. The other
42 M % goes for overhead charges,
I agents' and brokers' commissions on
the securing of business and for 1
i profits.
Thus, the stock company would
have approximately $ 147,000 to pay
1 claims from $778,000 premium in-
I come. On the other hand, the State
Fund has $700,000 with which to meet
1 the same claims that the stock com
pany would figure on paying out of
approximately $447,000. Hense the
State Fund starts with what is prac
tically a surplus of $253,000.
This advantageous condition In fa
vor of the State Fund is due to the
fact' that the Legislature has appro
priated the funds to pay all operating
costs of the State Fund, excepting the
payment of claims. A comparison of
the amount the State Fund has avail
able for the payment of claims with
the amount the stock companies deem
adequate makes It highly probable that
the State Fund will be able to return
to its subscribers at the end of the year
substantial dividends and so afford
them even cheaper insurance than the
Initial 10% reduction provided.
Catastrophe Hazards
Catastrophes cannot impair the
financial stability of the State Work
men's Insurance Fund. The catas- \
trophe hazard of the State Fund has
been re-insured in excess of $50,000.
That means that any single catas
trophe in which employes were killed
or injured to create claims of say
$150,000 against the State Fund, every
dollar In excess of $50,000 for those j
claims would bo paid from other ■
sources than from the revenues of the 1
State Workmen's Insurance Fund.
The soundness and security of the
State Fund can be accepted as abso- j
lutely established. Unsuccessful in
: suranee funds operated by one or two
j other States are cited as examples of
i failure of State insurance, although
the cases are in no sense parallel with
Pennsylvania.
The West Virginia State Fund Is
| cited as a Fund that became bankrupt.
The West Virginia Fund was com
! pelled by the Legislature to charge a
rate not to exceed SI.QO per one hun
! dred dollars of annual payroll, even
j for the most hazardous risks. That
: amount was declared inadequate and
experience has proved it to be inade
quate, especially in a coal mining
I State.
I The Pennsylvania State Fund is
one of the most recent to be estab
; lished and its creators have had the
I benefit of the experience of other
States. By way of contrast with the i
West Virginia State Fund, the New
York State Fund may be cited as one
| which has been eminently successful
I and has paid dividends averaging
20%.
Covers Compensation Liability
Another threadbare argument ad-
Bride of Two Weeks Is
Killed by Her Brother
j Johnstown, Pa., Feb. 2. When
j Petro Bartmuchio emerged from the
Windber mine yesterday afternoon he
I was told for the first time that his
| bride of two weeks had been murder
; ed by her brother, who later commit-
I ted suicide.
Raphael de Provio and his sister
j Marguerite came from Italy to this
' country several years ago. Haphael
j worked in the mines and his sister
! kept house for him. Two weeks ago
! Marguerite married Petro, and they
! went to reside with the latter's
! mother.
Raphael called at his sister s house
about noon yesterday and talked with
her and her mother-in-law. The elder
; woman went to the cellar for coal,
jand when she returned she saw her
daughter-in-law lying on the floor
with her head nearly severed. A
jblobdv trail led to Raphael's house,
land there he was found dead, with a
razor beside him.
Raphael was to have been married
to the belle of the Italian colony in
Windber, and his sister was engaged
In making clothing for him when he
! called at the house yesterday. No
' motive for the crime Is known.
IIMI.IIINIi AM) I.OAN EI.KCTS
Special to the Telegraph
I Grata. Pa.. Peb. 2. —i The annual
meeting of the Lykens Valley Building
and Association for the election
lof officers and directors was held at
Klingerstown Monday evening. The
members of the association elected the
I following directors: W. O. Leltgei,
Klingeretown; J. Bufflngfton and J.
W Phillips. Unit/.: J. Irvin Miller and
George Bauin, Spring Glen. an.l C. G.
I'ndekrove. Sacramento. The directors
elected Mr. I.eif'.cJ. president: Mr. Phil
/1 Hps. vice-president: Mr. Updegrove,
secretary, and Mr. Miller, treasurer.
FEBRUARY Z, IVIO.
vanced against the State Fund is that
It does not cover public liability, nor
does it. pay damages for disfigure
ment. The State Fund does not sell
public liability insurance. The rates
for compensation insurance for both
stock companies and the State Insur
ance Fund are solely to insure against
liabilities created by the Compensa
tion Act and not by public liability.
A stock company that sells compensa
tion insurance may also sell public
liability insurance, but the sale of
public liability insurance is a separate
transaction nnd the rate must be sepa
rate from and additional to the rate
charged for the compensation risk.
The issue is frequently clouded by
stock insurance company agents in
sisting that because they also sell pub
lic liability insurance, an employer
must place his compensation insur
ance with that agent's company or be
deprived ol' the public liability cover
age.
The argument that the Stato Fund
does not protect an employer against
common law action for disfigurement,
loss of services, etc., on account of in
juries sustained by an employe under
the Compensation Act is negligible.
The employe who has accepted the
provisions of the Compensation Act
has no recoiirse at common law. This
has been definitely stated by Francis
H. Bolilen, counsel for the Workmen's
Compensation Board, based upon the
construction of Section 303 of the
Workmen's Compensation Act. This
section of the Law is absolutely defi
nite and under this provision, it will
not be necessary for any insurance
company to recognize action at com
mon law including any claims for dis
figurement.
The United States Supreme Court
has construed the State Workmen's
Compensation Act of Washington as
abolishing all damage actions in the
courts by workmen, in the employ
ments covered by the Law, whether
against employers or against third
persons.
Merit Rating Schedule
The schedule of merit ratings from
the basic rates has been compiled by
a committee of six representatives, In
cluding representatives of three stock
companies, of two mutual companies
and the State Fund. In the formula
tion of this merit rating schedule, the
stock insurance companies occupied a
controlling position, but the State
Fund accepted the schedule as equit
able and sound.
Credits and charges will be applied
to the original compensation rates by
the application of this merit rating
schedule through the Pennsylvania
Compensation Rating and Inspection
Bureau, of which all companies writ
ing compensation insurance will be
members.
The merit schedule is based on the
principle that a guarded machine is a
normal condition and that an em
ployer should not be credited for
merely supplying a protection to an
unguarded point which should be pro
tected under State Laws. Credits will
be given for efficient safety organiza
tion and inspection and instruction
service with a maximum of 24% re
duction from the premium rate.
Under this schedule, unguarded
points are charged in proportion to
their relative values, but no charge
is made which cannot be removed by
the action of the employer conform
ing to safety standards. The unex
pected grievances voiced by some
stock company agents against the
merit rating schedule is apparently
based on the fact that some agents
had promised to prospective customers
reduction of from 20% to 40% from
the rates, which the merit rating sys
tem adopted will not allow them to do.
This schedule has been adopted ten
tatively, although unanimously adopted
by the Safety Inspection Committee
and accepted by the governing Com
mittee of the Bureau.
Advantages of State Fund
The State Workmen's Insurance
Fund offers as its advantages compen
sation liability insurance at net cost.
Its Initial rate is 10% below the rate
charged by stock companies with the
prospect of substantial dividends at
the end of the year. The State Fund
offers a guarantee of absolutely no
assessment against its subscribers. It
removes absolutely from an employer
the probability of a lien being entered
against his property. It is the only
form of insurance which does give
this advantage. The liability of an
employer insured in the State Fund is
transferred immediately to the Fund
when an employe is injured. The em
ployer's property is secure against
liens that the injured employe might
enter to prevent the sale of the em
ployer's property if he were insured
in a private company.
The aim of the State Fund is to
exist successfully and to continue to
provide insurance at net cost for all
employers who desire so to insure.
The State Fund is a community propo
sition. It does not aim to be monopo
listic.
There Is adequate compensation lia
bility insurance business In Pennsyl
vania to support all of the private
companies, as well as the State Fund.
There Is little, if any reason, why the
relations of the State Fund and the
private companies should not be har
monious and amicable, even though
competitive. The argument that the
Fund will be insolvent is negligible,
but from the wide dissemination of
that argument, by certain agents, one
might readily form the opinion that
a stock or mutual company, writing
compensation Insurance could, under
no circumstances, become insolvent.
Farmers' Institute Opens
at Halifax; Next Will
Be Held at Linglestown
Special to the Telegraph
Halifax, Pa., Feb. 2.—The annual
farmers' institute opened here to-day
and the sessions are the second of the
three scheduled for Dauphin county.
E. L. Phillips, of Clarion county, and
C. G. McLain, of Jefferson county,
opened the meeting this afternoon at
2 o'clock. The sessions will close to
morrow night. Aside from Mr. McLain
and Mr. Phillips, the speakers will be
H. M. Anderson, of York county: S. C.
George, of Indiana county, and S. W.
Funlt, of Boyertown. A meeting will
: be held to-night a.nd three are sclied
: uled for to-morrow. Meetings Friday
1 and Saturday will be held at Lingies-
I town.
Tuberculosis' Worst Enemy
j is a right combination of fresh air, pure
food, rest and clean living. All doctors
agree these are prime requisites in the
i treatment of this disease, which causes
! one-tenth of all deaths. Yet doctors
| know medication Is needed In many
I cases.
| Under such circumstances, Eckman's
Alterative may prove beneficial. When
! used us an adjunct to proper care and
| hygienic living, it is lost efficacious,
and we know of many eases in wheh It
has brought lasting relief.
In any event, a trial can do no harm.
For this preparation contains no pot-
I sonous or habit-forming drugs—no nar
cotics, opiates or coal-tar derivatives,
i A', your druggist's or direct,
i Erkmnn l.nboriitory, riillailrliiblu.
Catarrh of
the Stomach
A Pleasant, Simple, But Safe and
Effectual Remedy For It.
TRIAL PACKAGE MAILED EREK
Catarrh of the stomach Is consid
ered practically incurable. The symp
toms are a bloating sensation after
eating, accompanied sometimes with
sour or water risings, formation or
gases, causing pressure on heart and
lungs and difficult breathing, head
aches, fickle appetite, nervousness and
| general played-out feeling.
"dle»i I Can HsHUy Watt For ihi.
Itleh Soup to Cool! And to Think 'l'liiM
I \\ oulilu't llnve Mured I MI It Brforr
I lli'Knn I Mine Stnnnrt'x lit Niiritxhi
Tablet*!"
| Most druggists know that Stuart ?
Dyspepsia Tablets have relieved more
people of catarrh of the stomach, in
digestion, heartburn and run down
! condition generally than all the patent
medicines and doctors' prescriptions
Stuart's Dyspepsia Tablets is tin
simplest and most convenient remedj
for indigestion, catarrh of the stoni
ach, biliousness, sour stomach, heart
: burn and bloating after meals.
I Oct a 50c box from your druggist
or send coupon below to-day for a frei
j trial package.
Free Trial Coupon
.. A. Stuart Co., 22- Stuart Bid*..
Marshall, Mich., send me at once a
. free trial package of Stuart's Dvs
pepsia Tablets.
Name
Street
City State
QUICK RELIEF FBOIT
CONSTIPATION
Get Dr. Edwards'
Olive Tablets
That Is the Joyful cry of thousand'
since Dr. Edwards produced Olive Tab
lets. the substitute for calomel
Dr. Edwards, a practicing phvslclar
for 17 years and calomel's ofd-tlmt
enemy, discovered the formula foi
Olive Tablets while treating patient?
for chronic constipation and torpid
livers.
Dr. Edwards' Olive Tablets do no!
contain calomel, but a healing', sooth
ing vegetable laxative.
No griping is the "keynote" or these
little sugar-coated, olive-colored tab
lets. They cause the bowels and liver
to act normally. They never fore*
them to unnatural action.
If you have a "dark brown mouth'
now and then—a bad breath—a dull
tired feeling—sick headache—torpii
liver and are constipated, you'll tint
quick, sure and only pleasant result!
from one or two little Dr. Edwards
Olive Tablets at bedtime.
Thousands take one or two everj
night just to keep right. Try them
10c and 25c per box. All druggists.
The Olive Tablet Company, Colum
bus. O. —Advertisement.
HOTEL CHAXGES HANDS
Lewistown, Pa.. Feb. 2.—The St
Charles Hotel, here, purchased from
Parks Murtiff several days ago b>
Henry Krentzinan, will be conducted
by David Youtzy, who for a number ot
years conducted the Keystone Hote
at Mlfflintown.
GOOD WORK
FOR SICK WOMEN
The Woman's Medicine Has
Proved Its Worth.
When Lydia E. Pinkham'a remedies
were first introduced, their curative
powers were doubted and had to he
j proved. But the proof came, and grad
| ually the use of them spread over the
whole country. Now that hundreds of
thousands of women have experienced
the most beneficial effects from the use
of these medicines, their value has be
come generally recognized, and Lydia
E. Pinkham's Vegetable Compound is
the standard medicine for women.
The following letter is only one ol
the thousands on file in the Pinkham
office, at Lynn, Mass., proving that
Lydia E. Pinkham's Vegetable Com
pound is an article of great merit as
j shown by the results it produces.
Anamosa, lowa. —"When I began tak
ing Lydia E. Pinkham's Vegetable Com
pound I suffered with a displacement,
and my system was in a general run
down condition. I would have the head
ache for a week and my back wouk
ache so bad when 1 would bend down 1
could hardly straighten up. My sistei
was sick in bed for two months anc
doctored, but did not get any relief
She saw an advertisement of your med
cine and tried it and got better, Sh<
told me what it had done for her, an<
when I had taken only two bottles o
Lydia E. Pinkham's Vegetable Com
pound my head began to feel better. '
continued its use and now I don't havi
any of those troubles." Mrs. L. J
HANNAN, R.F.D. 1, Anamosa, lowa.
CHAS.H.MAUW
THE
UNDERTAKER
Sixth nnd Kelker Street*
Largest establishment. Best facllltlei
Near to you as your phone. Will g
i anywhere at your call. Motor servlci
No funeral too small. None too expen
slve. Chapels, rooms, vault, etc.. use
without charge.
Dr. H. Hershey Farnsler
lias removed his office from
1463 Market street to
1438 MARKET STREET
A