Newspaper Page Text
urn Hawaiian btah Tuesday, march 20, lsoe.
TDli Hawaiian JSt:a.r,
DAILY AND SEMI -WEEKLY.
itblishcd every afternoon (except Sunday) by the Hawaiian Star
Newspaper Association, Limited.
Cocal, per annum $8.00
Foreign, " 12.00
Payable in advance.
FRANK L. HOOGS ....MANAGER.
TUESDAY . . . . . . . ." AMRCff 2o. 1906
:; The Charges
Serious charges have been made
against II. Lake employed as a de
tective by the county. The charges
1 are such that if true, make plain
t his unfitness for the position he
"T rt.1.1 MM- .1 . 1
Hi noius. j 11c enarges arc 1101 muuc
by the police as the Advertiser,
envenomed against Sheriff Brown, untruly asserts. The charges arc
jnadc by two reputable young men who were the victims of Lake's
'drunken blunder and accompanying gun play. The complaint was made
to a member of the Board of Supervisors, who control Lake's employ
ment the proper place to make the complaint. The Supervisors very
properly appointed a committee to investigate the charges. The Adver
tiser says: "We liope the Supervisors will have the good sense to let
'Lake alone." The Supervisors arc thus advised to ignore the charges
against Lake. ,W'hy? Because the Advertiser says the police are
seeking to discredit Lakc. There is no evidence except the Adver
tiser's hatred of Brown that this so, and there is a great deal of evi
dence to the contrary, but if it were so, it would be only additional rea
son why tlie investigation of the charges should be made, and made
thoroughly. If (Jic police arc seeking to discredit Lake, let that fact be
brought out, but let the serious charges against Lake made by young
men who are in no wise connected with tlie police be thoroughly in
vestigated. If these charges arc true there will be no need of the po
lice making any efforts to discredit him. If charges against the police
or any of theni ar made to the Board, let them be investigated thor
oughly. But the Board owes it to itself and to the public not to allow
itself (o, be switched off from an investigation of direct and serious
charges against Lake, by any tirade against Brown.
The Advertiser says that "perhaps Mr. Lake fell into a 'plant' when
lie arrested tW'wrbng rncn." This insinuates that the two young men,
Lewis ad,jojris1tp'i!,'were parties to the "plant," while their repu
tation negative any s'.uch insinuation. But even then, Lake is not
likely to 'haver fallen 1 into the "plant"' if he had kept sober. Perhaps
the police are; responsible for his inebriety.
It will require that a great deal
of good should come out of the
insurance investigation to counter
balance the loss to individuals and
society that it has and will occa
sion. As it is an ill-wind that
blows nobody good, to it is
a good wind that blows nobody ill. 'It is said on good
authority that fully 100,000 holders of policies in the three big
companies most prominently mentioned in the course of the investiga
tion, have .erthinate'd ' their policies. These policies, it is said, aver
age $2,500 each. ' For the most part these policyholders have accepted
the surrender 1 value of their policies, that is have withdrawn in cash'
.what they Were entitled to under the terms of policies, and arc now
without the protection of the insurance which their policies gave
them. As in all the course of the investigation there has never been
a hint that any of the companies mentioned was not perfectly solvent,
this means that 100,000 policyholders have abandoned the protection
to their families or estates, which these policies gave. Ampng a hun
dred thousand a large number, in the aggregate, must have died since
terminating, ,th jjr, policies, and in such cases the families are left worse
off than they w'duld have been, by as much as the face of the policy.
In scores of 'Cases, 'ho 'doubt; this means that families are left with no
protection ralf.,' lyidows and children are left absolutely dependent,
with no means of support. To these there can come no thoughts re
garding this 'investigation, but those of bitterness that through it
they were d'ejWji'ed of the protection which the insurance companies
were b'pih. jf'cj'.'and able to give. They will not be able to see as
110 one,rclse has-been able to see what particular guarantee of better
ment Morton iand Ryan offer over McCall and McCunly or even
Hyde and $le-.aii'der. To them the investigation will mean nothing
but the blight n bitterness of proffered protection destroyed.
Another very large class of these 100,000 panic stricken policy
holders, when, .they .recover sanity after their panic, and seek in the
same or other 'Companies, the protection for their families Which they
have thrown away, .will find that meanwhile they have, developed con
stitutional maladi&s or, organic diseases which will forever bar them
from life insurance protection. They were insured; their contracts of
insurance were binding for whatever term of years their conditions
called for, usually the term of life. But having been surrendered, life
insurance companies arc under no obligations to accept them as policy
holders again, and will not, unless they are physically sound and fit
subjects for life insurance, and then only at the advancing rates which
increasing years bring.
But those who haye not died since they surrendered their policies
and arc not barred from new insurance by physical conditions, will
fmu, when they seek to become policyholders again, that relentless
Time has been passing along. They arc older than they were when
they took out the policies they so improvidently surrendered, and with
the advance in age the advance in insurance rates goes on apace. In
deed it goes on with accelerated pace so that when middle life is reach
ed, and even before, every year adds greatly to the cost of insurance.
So far as the companies are concerned, theoretically they have suf
fered no loss? in fact theoretically they are better off in the ratio of
assets to liabilities, because the surrender value is not the whole of
the actual reserve' value plus the whole of the accumulated profits.
Therefore, each, policy surrendered, leaves a part of this reserve value
or accumulated profits to increase- the accumulated profits for the per
sisting policyholders. But as the business of an insurance company
is to insure, to carry iS policies until they terminate by limitation, all
.withdrawals and surrendc.rs arc opposed in direction to the real ob
jects of the company.
If surrenders 'Were, as they are often said to be, profitable to the
company, and libjhing else, the most profitable thing an insurance
company could do would be to secure the surrender of all its policies.
But it would then cease to be an insurance company; it would be an
nihilated. The policyholders Would all get what they were entitled
to under the terms of their policies, except the protection of insurance,
which ought 6 be he real purpose of every policy as of every com
pany. But the company would be destroyed and have no further usc
fulness as an insurance company.
Hence this surrender of 100,000 policies means, not only a Joss tt
the individual policyholder, an absolute loss to every individual of them
with the possible exception of a fraction of a per cent, but it is a loss
to the life insurance business itself. It is a disturbance of conditions
that must for a long time continue to work hardship to society be
cause it will continue for a long time, in some degree, to restrain and
discourage the insurance of lives, which is one of the most potent
factors of safety in modern society.
As against this accumulated loss, past, present, and prospective, the
investigation .mist show very large beneficial results to balance it.
and o :; t r n b 1 n U o s
a largo consignment just received
Hol lister Drug; Co.
Beginning November 15, 1905, owing
to a change In the prlco of certain
sizes of crushed rock, prices will be as
No. 1 $1.55 per cubic yard.
No. 2 $1.80 per cubic yard.
No. 3 $2.05 per cubic yard.
No. 4 $1.80 per cubic yard.
"We wish to call attention to the fact
that No .4 has been reduced to prac-
tlcally the price of white sand, making :
it available for all kinds of concreto
work for which It is far superior to
any other sand.
LORD & BELSEE
Steam and Blacksmith
WHOLESALE AND RETAIL.
Special Attention Given To
ALSO, WHITE AND BLACK SAND.
AND OTHER PIANOS.
THAYER PIANO CO.
156 AND 168 HOfEL STREET.
Opposite Young Hotel.
DR. T. MITAMURA.
Residence: No. DO Vineyard street on
mauka side 2nd gate Ewa sido from
Office: No. 1412 Nuuanu street on Ewa
side corner Vineyard.
Office Hours: 9-12 a. m.; 5:30-7:30 p.
Sunday by appointment.
Telephone: Office White 151; residence
P. O. Box 842.
Pay Rent to
W. Matlock Campbell
ARCHITECT AND CONTRACTOR.
Will build you a home In any part of
the city on easy payments.
TELEPHONE WHITE 31.
They seem to have their gambling
troubles In other counties as well oa
Tho House has amended the bill abo
lishing tho rank of Lieutenant General
so as to g'vo Major General Corbln and
Major General MacArthur tho title.
Can't Roorevelt do something for his
friend Dr. Leonard Wood?
Did rho police dopo Lake's liquor?
Tho cable says that the Russian gov
ernment Is interfering in the freedom
of the elections. Next thing the gov
ernment will -want to run them, Just
llko In Hawaii.
Prom 2 to C P. M.
DON'T MISS IT.
BEAVER LUNCH 1100M
H. J. NOLTE, PROP'R.
First-Class Lunches served with tea,
coffee, soda water, ginger ale or milk
Beautiful and Useful
From $1.50 to SI 0.00
3. F. WICHMAN
-Ss CO., LTD
Honolulu Iron Works.
STEAM ENGINES, SUGAR MILLS,
BOILERS, COOLERS, IRON, BRASS
AND LEAD CASTI S.
You Save Honey
When You Buy Armorite!
If you do not buy and apply paint when your ...buildings need it your
buildings deteriorate and you lose moro from this thari you savo by not
buying paint. . . , .
Tho reason that ARMORITE READY MIXED PAINT Is preferred to any
other is because It Is .!. I
MADJ3 on HONOR and GUARANTEED to contain only the best and
Absolutely Pure Linseed Oil, Lead, Zinc and Pigments.
It Is made for this climate.
Send for sample card of colors.
t iwi mn i
FORT AND MERCHANT STREETS
Are you looking for
Machinery of Every Description Made
to Order. Particular attention paid to
Ship's Blacksmithlng. Job Work Ex
ecuted on Short Notice.
Telephone Main 101
P. O. Box 683.
StOOlc .Jtxtl XiO-Tid
Members of Honolulu Stock and Bond
Few ohares of following stocks for
sale: Pioneer Mill Co., Oahu Sugar
Co., Ewa Plantation Co., Hawaiian
Sugar Co., Waialu Agricultural Co.,
Office, Campbell Block.... Merchant St
Honolulu, T. H.
Detective Lake needed saving from
his friends, or perhaps It should bo
said from tho police's enemies.
ty hand not to think It looks prettier
all covered up with rings.
The way. a girl makes love to a man
'is to protend ho is doing It.
I No woman ever considers herself fat
as long as there is another one fatter.
Soon as wo get over the chilblains we
can begin to expect tho mosquito sea
son. 'A boy wants to shave so ad to look
older and a man so as not' "to look so
The story that the entire colony of
Molokans stopped work "for the day"
becauso ono of their number was bit
ten by a centipede should be taken
with a grain or ' two of salt", or else
there Js something the matter with tho
REFLECTIONS OF A BACHELOR.
The only man who Is sure he Is mod
est ia the vain man.
If a girl's father doesn't like a man
sho la suro ho Is nice.
It's hardly iever safe to ipropose to a
girl unless she is married. "
One way to be popular with your
friends la to think they are.
It 13 unpardonable Impertlnenco to
kiss a girl when lior mother Is looking.
If girls took on years as slowly as
women no girl would over get out of
A woman has to have a mighty pret-
old. ' -
There -would be a lot more 'fun In be
ing a married man 'if It -was against
A woman is afraid a man is trying
to flirt with her when she slips down
and ho helps her up.
It Is hard enough to a'dm'lt this truth
about yourself to yourself "much less to
tell It't'o another. i ;"r. .'
Good Judgment is what you think
about an aot after you h'avo done di
rectly the opposite thing.
iA CRIME AGAINST CHILDREN.
Whatever views may be held of di
vorce, thero Is one feature of divorce
trials which is repulsive to all people
of good feeling which It Is a pity thero
Is not some law to abolish, and that Is
bringing little children Into court as
witnesses against accused parties.
Such impressions as are then gained
might nevor leave a child's mind, and
general public policy soems to bo
ngalnst tho practice Baltimore Amerl-
Bla xxlz:45 s xad Comforters
Sofa Itg: or
Door ZPkffa-ts ' '
IP SO, CALL AND SEE OUR STOCK.
E.W.Jordan & Co.,
mRiriiaid Hudnut Preparations,,.
To Furnish the Toilet Table.
Violet Sec, Toilet AVatcr; Extremo
Violet, Prefumo; Chrysls, Sachet Pow
der; Vlolette Superba, Faco Powder;
Eau de Quinine, Colorles, for the hair;
Marvelous Cold Cream, for tho skin;
Violet Almond Meal, for the skin; Con
crete Tincture Benzoin, for tho skin;
Extreme Violet Talcum, for the skin;
Nallustre, for the finger nails; Per
feetita; Pure Olive Oil Soap.
Tho Richard Hudnut Perfumes and
Toilet Specialties are sold by
IB I CI, 1
1C9 King Street, Honolulu, T. I.
Solo Agents for Hawaiian Islands.
Corner King and Bethel Streets.
Dealer in Furniture, Rattan and Fibre
All kinds of Koa Furniture Made to
P. O. Box 1032.
. G. Irwin & G.
AGENTS FOR THE
Royal Insurance Co., of Liverpool, Eng.
Alliance Assurance Co., of London, Eng.
Scottish Union & National Ins. Co., ot
Edlnburg, Scotland. -Fire
Association of Philadelphia.
Alliance Insurance Corporation Ltd.
Wllhelma of Magdeburg General Ins.
This word applies to Scotty and Jerry.
It means that they are ahead of all
MIXOLOGISTS in the city.
applies to the lunch served from 11
Oppbsito Police Station.
C. E. llESTON, PROPRIETOR.
The Home of Good Clothes
Alfred Benjamin & Co.'s
Correct Clothes for Men
When you see this label on a suit you know it's good
better in fact than the best tailor-made. Benjamin clothes are
made correctly. The materials are the b'estl"r' ,
OUR NEW SPRUNG STYLES "JUSTJ 'ARRIVED. j-
The KASH COHPANY,
Comer Fort and. Hotel Streets
TELEPHONE MAIN ; 25.'