Newspaper Page Text
Thursday, May 26, 1910.
Established April. 1SS1. The El Paso Herald lnc' udes aiso. by absorption and
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One Of Our National Vices
CARELESSNESS in filling trade orders ana packing goods for delivery and
shipment appears to be one. of our national vices. The publications of the
national bureau of manufactures are doing a good work in calling attention
to these shortcomings. There is no doubt that faulty packing of American goods
and carelessness in filling orders stand in the way of the normal expansion of
American trade m foreign untries.
A recent issue of the Bulletin of the bureau of manufactures mentions a num
ber of instances in which bad packing has resulted in serious loss. A consignment
of milk testers from an American manufacturer had been packed with the metal
parts in the same case with sulphuric acid. The acid was sealed with corks only
and long before the consignment had reached its destination the acia had eaten
through the corks and corroded the metal parts, so as to render the testers useless.
The manufacturers refused to make good the loss and the consignees in India
wrote "We have never had a business transaction treated with such levity, and
if this is characteristic of American hardware merchants, we would rather avoid
business relations with them in future." ,
A large proportion of consignments to the port of Vera Cruz, Mex. from the
United States arrive in bad order. A Tennessee firm shipped 1000 bundles of
broom handles to a Vera Cruz manufacturer. The bundles were merely aed with
inferior yarn and the packages fell apart, allowing the goods to become spattered
and badly defaced. There was no mark on the packages to show either shipper or
consignee. Of a shipment of track bolts for the Vera Cruz railway sent by a Penn
sylvania factory 10 percent of the packages arrived broken up with the contents
scattered about. , , , -
It is notorious that American cotton goes into the foreign markets in worse
condition than cotton from any other cotton producing country m the WOTld- 0ur
methods of packing are the laughing stock of importers everywhere. An Illinois
firm ships large quantities of ink to Mexico and the shipments invariably arrive
in bad condition, bottles broken and ink stains over more valuable goods. The
consul at Vera Cruz reports: "It is safe to say that on every lot of goods of a
fragile or extra heavy character arriving at this port there is an expense to cooper
jp the packages to permit of forwarding them to destination. Such work costs
heavily here and the expense is all charged to- the consignee of the goods, who at
last blames the American manufacturer and shipper and holds them responsible.
The bulletin of the bureau comments as follows: "&ucn is tne want ux c
the part of shippers in packing and sending out xneir guous ll Fu-jr
inly idea is to get them ort tneir nanas. xn muiy wso tu . - -
jfication on goods forwarded ior export, jrapers are mtuiic - -m
tious delays at ports of entry. -t-ensnaDie arncies die iwucu
no protection from the weather or damp sea atmuspneie.
consuls abroad draw sharp contrasts Between our metnuas or paciung,
allowed irrEurope and Asia- European goods unirormiy arrive m ror-
good shape. All cases are strapped witn iron Demos, uiean .
e corners, and of heavy enough material to endure any reasonable
lerican shipments, on the other hand, are orten aencient in an imh
Che man who signs the checks and whose pocKet is aneciea uy me
es of the business ought to look after these matters and not leave
.subordinate clerks and roustabouts.
tn, candidate for governor, says that "this doctrine of a repre-
E t.i nn-mrT.in-nn - in3nTnmt '-fiaf Th Tin-nr TiP'nor nrpflchpn "hv
(JJl Ulji LUUSUEUUk tlJ-lU. JUUmvUi kuao... w ... ,, .-
;hty dangerous" also very unusual, in the average state legis-
HE world rolls on, from dav to day, and idle men are in the way; the loaf-
j$ ing graft will never pay; get busy, then, get busy The man who loiters
in the shade to watch the busy men's parade will find his hopes of fortune
fade; get busy. then, get busy! If you in feeble style depend upon assistance
from a friend you're sure to fail Irefore the end get busy,
then, get busy! Make up your mind that you will pack
GET BUSY your burden on your own broad back, and, brave and buoy
ant, hit the track get busy, then, get busy! Just feel that
you're of equal wortih with any doggone man on earth, re
gardless of his age or birth; get busy, then, get busy! And, having made your
mind up quite, show by your acts that you are right! Cut grass, cut grass, by
day and night!' Get busy, O get busy!
Copyright. JS10. by George Matthews Adams.
(From The Herald of this date, 1S96)
J A Years Ago 9
San Antonio Street Property Sold. JLJLjf
Mercury Reaches 103 Degrees.
Laying Out Paths For Ships 7
- J. HasJrir
REMARKABLE WORK OF HYDROGRAPHIC BUREAU. JlZZZlL
The high school pupils held exercises
this morning- at the Central school
building, while pupils of the sixth
grade held exercises this afternoon.
El Pasoans are flocking to the sum
mer resorts, a number having gone to
the Las Vegas hot springs.
J. A. Smith has returned from Santa
The Herald thermometers marked 103
degrees at 1 oclock this afternoon, but
at 2:30 had dropped to 100.
Mrs. C. J. Oxley was nearly pros
trated by the heat yesterday and .had
to be taken home.
J. Ryan was arrested last night on a
charge of choking women on Broad
way In Jack the Ripper style.
Rev. L. R. Millican was the preacher
at the revival services held in the gos
pel tent last night.
An effort Is being made to have the
two dance halls closed.
Capt. Ruhlen and Mr. Off ley leave
for Fort Riley, Ivan., next week.
The jury in the Molinar breach of
promise case, on trial in the district
court, brought in an instructed verdict
for the defendant this afternoon.
"Walter Earhart has bought the Pal
ace saloon building for $10,500.
Col. Campbell leaves next week to
attend the Republican convention at
Metal market- Silver, 6SUc; lead,
$2.90; copper, 10&c; Mexican pesos. 53c.
LETTERS 1 HERALD
.Jlkn the 11th
thK. raanv in-
THE SW1MEX HOLE.
I tride to see you the other day to
nsk you when the swimen hole is going
to open but a man sed that you was to
besey to talk to me so I culdnt ask yf-u
will you plees answe rr-e in the paper
I am onley a little boy and they wont
let me talk to you
A Swlmmen boy
The swimen hole opens Saturday of
this week, thank heavens. Editor.
QUA3.TRJ3L.Ij AND HIS MEX.
Editor El Paso Herald:
An. article in another paper, dated
at Las Cruces, states:
"The original black flag carried by
the Quantrell raiders in Missouri, and
Kansas during the civil wa.Nas beei
frajffcTania1. on exhibit - PB the
dmillo club rooiuSN 3fg"J&rstz, vrw
trell's retreat from Lawrence, Kansas.
In company with Pat Garrett I had a
talk with Mr. Swartz in this city in
1903. He at the time was on his war
to attend the vorld's fair at St. Louis.
The writer aked Mr. Swartz what
company he belonged to; he said Liv
Livingston raised a company of re
cruits north of the Missouri river, and
took them south. Quantrell had only
four captains, George Todd, Dick Ya
ger, Dave Pool and Scott. Capt. Scott
was killed in June, 1S63, and fell a
few feet from the Writer. His brother
edited a paper in Silver City. N. M., for
quite a number of years. Mr. Swartz
was in the confederate service; he is
dead, peace to his ashes. The writer
loves- the southern people.
Editor El Paso Herald:
vv'nj i--iu2d it not be a good idea to
Sentiment am love of power direct most of the buildr '"" p new railroads
of the members of tl?B'?aactreli gang. 1 introduce Du m the next legislature.
carried this flag west with him w'-en , providing OT insurance by the state? A
thr union soldiers made it Hoo warm i Philadelphia insurance agent says: "I
- .- - ., ,
rather than the hoe or large nnanciai rewaros, iur "Jrr ( guiing in raiiroaa on it on
building strictlv cocadered, as a general rule, to tenyt t "peculatave investor, s. C. Min
The averaee rate of interest on railroad bonds is 3.' 8 per art, and the average the plct
dividend rate on railrdd stocks is only 3.5 percent.
The heroes are not tSi'ibke, United States navy or in the Illinois coal mines.
Little Mary Walk, a 10 year old UevTersey gi -vas run 0ver by a trolley car
as she was crossing the street in front if her own house to get ice for a little
sister ill with fever. Her first question a the policeman ran to her was, "Please,
will they get me another leg? I can't hep mother any more if they don't' and
her next Question, as they lifted her intr the ambulance, was, "Won't you please i trell: that flag was
a- .nA n.rr l,a inn n clctcO Chft'o OTrrfnl el"V ' Ttiorn -,-rn. -rrro Vc. I T ie federal SOldierS
gCt 3U1UCUVUJT t,V JLJ-AAA L-U V(, l,V OLWi i JA.V-O U. f A U 0l..Zb.. XMVi.U ait . T V iUUUO
for the Quantrell raiders and carried
it w.th him until his death a couple of
years ago. The black flag has painted
one side the following: 'The
ute Men Sic Semper Tyranis,
ure of a snake, and under that
'Don't Tread on Me.' The flag Is In a
fairly well preserved state, but the
paint has worn off parts of some of the
lettering and snake."
Jack Swartz never belonged to Quan-
trell's command'.v The writer never saw
but one black flft-q during my three
years with L'pton layes and Quan-
e hands of
of heroism one of pride, love of display, and the intoxication of excitement in
combat or in the achievement of some greatpurpose; the other, the heroism that
merely exemplifies natural nobility of charafcer.
League Of IJniveisal Peace
HE common sense of a civilized community doenot sanction street brawls
between individuals or groups of individuals. Tjz feud is a survival of a
half civilized era and has no proper part in our mdern life. Wars between
nations must sooner or later be outlawed in the same way. The common sense of
the civilized world cannot continue to sanction them and thej can only be regarded
as tolerable under circumstances of the most extreme provxation, ictually re
quiring self defence.
I Without doubt, ex-president Roosevelt is on the trail of ji epoch-marking
proposal. It is possible that he has not yet worked out "with suffitent distinctness
his plan for a "league of universal peace." But he is working aleig practical and
progressive lines, and one result of his European tour will cerainly be a tre
mendous development of sentiment abroad in favor of a limitatin of armaments,
and the ultimate exercise of an international police power to p event violence be
Mr. Roosevelt advocates an international agreement provding for an asso
ciation or league of the great powers which league shall be arrr d to enforce peace.
The military and naval power of such a league would be usei to compel the na
tions to submit to arbitration and to force the less civilized aid less stable nations
to live up to reasonably high standards of national honor.
The first step is effective arbitration treaties betweer the greater powers.
The Hague tribunal should be developed and a way shouU be found to enforce
the decrees of the court and to give more power and weiglt to the international
conferences. Mr. Roosevelt proposes that some way be sought to check the growth
of armaments. In all the great nations the drain on account of naval and military
expenditures is becoming or has become a tremendous burden upon the people.
Senator Clay of Georgia, speaking to the naval appropriation bill a few days
"Largely through ex-president Roosevelt's brains and untiring industrv w
have developed our naval strength to a marvelous extent, and now let ul
consider very carefully and thoughtfully the? policy he has recommended for
the future, and let us cease to drain the resources of this country in making
preparations for future wars, when by the exercise of common sense sound
judgment, and a spirit of justice in dealing with all nations of the world such
wars can be prevented. A spirit of Justice and kindness, friendly commercial
relations, doing unto others as we would havn them dn rnitn n! trin oItv,. v,
great factor in bringing about peace between all the nations of the earth If
the United States. Great Britain, France, and Germany would "join in such
move no on'p ran rlonht 1ts cnf-ioc " -,
, . . f
No reader of The Herald can fail to have been impressed by the stories told of
ihs splendid work being done 'by the Woman's Charity association school for
mothers and the baby clinic conducted in connection with it. The work of the
school for mothers and the baby .clinic includes regular visitation by a competent
nurse and teacher in the homes of the mothers and sick babies themselves. This
sort of educational work is infinitely more valuable than the mere handing out
of medicines or food. The cardinal principle of the Woman's Charity association
from the beginning has always been to help others to help themselves, as the
truest charity and the truest economy.
King's and McFerand
were stationed at T "?
on the 23d of August,
know "whart t nm talking about when I
say that Insurance by the state can be
provided jsafer and better for one-half
that is iJiow paid to private compan
ies."'" TIne Insurance reports of the
various sates show that the amounts
paid foT premiums is three times the
amount cf the losses. Without the ex
pensive Methods used by the companies
to push their business, ceAtainly it
would 'not take more than one-half the
premiums to do the work and pay the
losses. By this method if there is any
money to be made in the insurance
Q7. jJnstoad of the foreign companies
P- Tnev and the money can be kept where it
, Missouri. ' righk fully belongs, in the state.
J. F. Pat tee.
(Continued From Page One.)
has Joined El Paso, Dallas, Big Springs, hav-- already shown that they are go-
Quanah and other cities of the state in
protesting against the increased fire in
surance rates. Sen. C. B. Hudspeth, who
has been at Austin In the interest of
the people of El Paso and the Mer
chants' 'league in an effort to prevent
the collection of the increased rates and
also for the repeal of the law, stopped
in San Antonio on his way home and
presented the matter to the Business ,'
Men'q club there. In a message to A.'
Schwartz, senator Hudspeth stated thalt
the San Antonio club was with El Pas
in anything that could be done to get'a
reduction of the rates.
In appreciation of his work in thef in"
terest of El Paso, a message was sent
to Gov. Campbell thanking him oJn be"
half of the city, the chamber o"' com
merce, the Retail Merchants' lesS"6 and
the citizens generallj for tne "rtor"- ie
had done In assisting the peoile fo have
inr" to be high and the people are Day-
jrig dear, for the test which is being
rfrade of the law.
' "Who makes these rates? The in--surance
companies. I asked one of the
jspecial agents the direct question that
jif my rates were raised from 2 to S4
Winder the new schedule and it should
l,e found that the rate -should be 53,
-rtrould the $1 be returned to me. He
Jald no. Is t ere any justice In such a
"Another question I would like an
swered. Why have the rates of thb
lumber companies and railroads in the
state been lowered when they have done
no more to reduce their risks than the
other people? They are organized.
"Does that look like discrimination?
"I think it does."
Commissioner of insurance and bank
ing, William E. Hawkins, who is ex-offk-io
chairman of the state fire rating
board, has given out the following
"I regret that, as shown by press
reports, the El Paso chamber of com-
HAT the Philadelphia Centen
nial Exposition of 1S76 was to
the United States, that is "the
Centennial Exposition of 1910, which
opened yesterday at Buenos Aires, to
the Argentine Republic. Not only will
there be ai international exhibition of
art and transportation, but many con
gresses of interest to Pan-America in
particular and the world in general
will hold sessions In the Argentine me
tropolis during the course of the expo
sition. One of thee Is the Congress of
Americanists, whose last meeting was
held In Vienna in 190S. The sessions of
the fourth International Congress of the
Pan-American States will also meet
here, and it promises to be fruitful of
more good fellowship and International
amity than any other Pan-American
meeting yet held.
From the standpoint of the United
States, the Argentine exposition will be
something of a disappointment. Al
though John Barrett, director of the
Pan-American bureau, In cooperation
with the various organizations within
the state department, has bent every
effort to interest the American manu
facturers of transportation supplies,
Jlnd to induce them to send exhibits to
Buenos Aires, these efforts have not
proved as successful as was hoped or
l as tne Interests of American export
trade would require
hour had passed.
quiries, but it was
cure the proper
It is the same oi
portunity. The Argenu
day is in almost the Identical position
that our own country was when the
great central west began to be devel
oped. Although only half as large in
area as the United States, the Argentine
stretcher o.tr 34 degrees of latitude,
and on 3 n:.-y shiver in the chilling cold
of a Patagonian blizzard or broil in the
tropical sun of the Chaco region. In
fact, in traveling from the northern to
the southern extremes of Argentina,
one may experience all the charges of
climate from the sultry heat of south
ern Italy to the bleak cold of frozen
Iceland. On the La Plata river one
may see a commerce equaling that of
J our own Mississippi. The valleys and
uplands, a region corresponding to our
own great central plain, is only be
ginning to be developed; not by Ameri
can capital, but by money coming from
England and continental Europe.
IT. S. Exports Small.
Although Argentina is coming into
the forefront of international trade, the
United States is the smallest among the
great nations when it comes to sharing
the importations Into Argentina.. Uncle
Sam Is one of the Argentine's best buy
ers, but gets little more than a lookin
when on the return business. This is
not the fault of the United States gov
ernment itself, because the relations ex-i:-.Jng
between the two nations are
more than cordial, and the Argentine,
all else being equal, would be glad to
buy the bu'k of its manufactured im
ports from the United States. The
trouble lies in the indifference of the
American manufacturers to the splen
did groundwork that Uncle Sam has
laid for the promotion of American
trade In the republics to the south.
In the revolution that has come over
the Argentine republic agriculture and
stock raising are being carried on as
extensively as they were in the bonanza
days of the great west. All the world
Is being searched for pedigreed stock
with which to improve the native cat
tle, sheep and horses. On one planta
tion one may see 1S.000 polled Durham
cattle, 10.000 sheep. 1500 milch cows and
thousands of horses.
In its exportation of corn, the Ar
gentine recently assumed firsr rank
among the nations, and now holds' third
rank as a corn producing nation, while
it claims fifth place in the production
of wheat. It is next to the United
States and India in the number of cat
tle raised, outranked only by the United
States and Russia in the number of Its
horses, and by Australia alone in the
number of its sheep. By a most thor
oughly worked out system of pedigreed
stock shows and auctions, no other na
tion in the world has succeeded in
building up the grade of its stock to
such a high point in such a short time
as has the Argentine republic. Yet in
spite of the fact that the United States
now uuusis ot as line norses, cattle and
sheep as the world has to offer, nearly
all of the accessions to the breeding
ranches of the Argentine have come
It is fitting that the present expo
sition should be held in Buenos Aires,
and that the Pan-American Congress
should meet there this year, for this
city is the .largest in the entire south
ern hemisphere. With Its 1,200,000 of
population, It stands unrivaled in beau
ty and extent among all of the muni
cipalities south of the equator. Only
Rome, among all of the Latin cities of
the world, outranks It in size.
In progressiveness, one might look
t over every urban community of the
earth and find no city to surpass
Buenos Aires. It boasts of the finest
theater outside of France, the finest
newspaper office in the world, the rich
est, largest and most extensive jockey
olub and grounds in the new world,
and it has many other claims for dis
tinction as a progressive metropolis. It
is the boast of the Porteno. or native
of Buenos Aires, that there is nothing
that can be obtained in any other city
In the world that cannot also be had
in the city of Buenos Aires. The theat
o Colon, a theater built by the govern
ment, is so arranged that the luxury
loving women who visit the opera may
step directly from their carriages into
their boxes. Every known contrivance
for the proper production of the plays
and the comfort of the patrons is to be
A Grent Paper.
Years ago a youth in Buenos Aires
decided to found a small paper. He
had but little money, and he printed
his first edition on a job press. As the
years vent by Jose Paz prospered. His
paper "La Prensa," founded in the in
terest of the people, grew from a job
press sheet into a vast journalistic en- j .
terpnae mar maue a. muiii'uaiuuuauc
of its founder. In an announcement,
he stated that the people of the Argen
tine had made millions for him, and
that he Intended to return the compli
ment by building a house, for the ser
vice of the rich and poor alike, that
should surpass anything of its kind in
the world. The magnificent building
of La Prensa was the result.
It is an institution of which any na
tion might well be proud. In It one
finds a hospital which gives free ad
vice and treatment to all who apply.
In another part of the building, there
is a complete law library presided over
by trained attorneys, to whom anyon
who has no money to pay may apply
for free legal advice. There is a big
conference hall for the free use of all
labor organizations and societies of the
poor and middle classes. A grand don
cert hall is also provided, where mu
slcales and all kinds of benefits may
be given. In his care that the wants
of the people might be provided for,
Jose Paz did not overlook his own staff
of faithful newspaper workers. He sup
plied a well equipped cafe where meals
and drinks are served at cost prices.
Fencing rooms, shower baths, billiard
and pool rooms, bowling alleys and
other amusements are supplied for the
staff of La Prensa.
Costly Harbor "Work.
One may gather that Buenos Aires
Is progressive when it is stated that
nearly $50,000,000 has been spent on
harbor improvements alone. Its ave
nues and parks are among the most
beautiful, expensive and well kept in
the world. As a social center, no other
South American city equals the Argen
tine capital. The rich ranch owners of
the plains, whose fortunes run far into
the millions, come here and build mag
nificent residences that are comparable
to the best that are to be found in New
York, Washington, London or Paris.
Like all other Latin-American coun
tries, the Argentina republic has had
Its lottery. The drawings here have
always been conducted by a method
vacying considerably from that pursued
in the case of the Panama lottery, but
no one c'or ha nilo, to acknowledge
it they were absolutely fair and im
partial. The republic has taken steps
to put an end to the lottery business,
and in many other ways has demon
strated that it stands among the na
tions of South America for national
In fact, the Argentine republic may
lay claim to distinction as the most
successful imitator of the United States
that Pan-America affords. Its war for
independence from Spanish rule began
j on May 25, 1S10. No sooner was Its
ireeuom accompusnea man n aaopteu a
constitution but slightly different from
our own. A remodeling of that instru
ment In 1853 brought it even more
closely in accord with the organic law
of the United States.
Coajrres Like Our'a.
The Argentine republic has a con
gress differing in no Important details
from that of the United States, Its
president and vice president are se
lected much as those In the United
States are, and its judiciary Is appoint
ive In the same way. It is a federa
tion of states and territories with their
respective jurisdictions just as Is the
United States. Its army regulations
and the character of Its militia are
practically the same as those of the
United States. Thus, in government,
as well as in soil and climate, the Ar
gentine republic is about the closest
approximation of our own that is to be
I can't see why th' hut-tels want f
mix cement with anything as cheap as
pancake flour. Corn makes whiskey,
whiskey makes Dimmycrats an' Dim
mycrats make paramount issues.
been lowered in some instances and
raised in more Instances. It m9v ua
that business rates have been raised too
.. AW uu is now studying that
question, and Js gathering data there
on from all possible sources.
"If, instead of denouncing the law
the chamber of commerce at El Paso
and elsewhere would prepare and sub
mit to the board comparative tabulated
statements showing specifically rates
OI. p,pertIes under the general basis
schedules, it would, I think, be far
better and would greatly assist tha
board In reaching a prompt and correct
conclusion as to the reasonableness or
unreasonableness of the new rates which
the companies have made.
"The board has heretofore made pub
lic appeal to all citizens to furnish us
such data but only a few have re
sponded. Let us give this new law
fair and thorough trial, and then let
the legislature act accordingly. All this
talk about repealing the statute with
out trying it out Is childish twaddle.
It is not the warp and woof which con
stitutes the 5tuff from which statesman
ship is made."
found. With wholesome laws, vast re
sources, and a determination to take its
place among the leading nations of the
earth, the Argentine republic Intends
to put forth Its best efforts during the
course of the exposition, and to make
this the opening of the greatest epoch
of development the southern hemis
phere has yet known.
Tomorrow The Hydrographic Office.
situated from a fire protection stand- j statute permits insurance companies
point, while individual citizens in those to fix their own rates in thefirst in
and in all other cities .and towns of I stance, but clothes the state fire rating
Texas who had but little property to board with power to reduce them it
insure were compeled to pay much high- i in the judgment of the board the rate
j so adopted by the companies are ex-
the rates reduced. The message was merce and senator Claude Hudspeth of
signed by mayor W. f- Robinson, for that city have joined candidate O. B.
the city; D. M. Payne. for the chamber Colquitt in his crusade for the repeal
of commerce, and A. Schwartz, for the Gf act of the 31st legislature, known
. as tne lire rating board law. I pre
A good deal is said from time to time about the alleged influence of the
Payne tariff bill upon the high cost of living. Representative Longworth in the
house a few days ago pointed out that the only articles of food upou which the
tariff has been raised are lemons, figs, pineapples, salted almonds, champagne and
chicory root us"ed as a substitute for coffee. "Those," said the congressman,' "are
literally the only things that an American citizen could eat or drink, the cost of
which might- have been increased by the Payne law." The congressman further
declared, and it was not called in question by any member of the opposition,
"There is not one single article of wearing apparel or of fool and drink used by
the poor man in this country the duty upon which has been increased in the Payne
law. You know, on the contrary, that on a great many ofJtbem the duty has
been decreased." 3 2TI5 .
Retail Merchants' lerASue.
Schvrartx Dect-are La"' nad-
Schwartz? sr-O's he Is willing 6o
stand jat on tWQ assertion that the new
rates are lpyiher fair nor just to the
people of El Paso and that the law
which gives the insurance companies
the power to apply the rates should be
repealed. When shown a reply of com
missioner Hawkins to the resolution of
the El Paso chamber of commerce and
the Retail Merchants' league against
the law which made the new rates
possible, Mr. Schwartz said: "I believe
that the law is good in part but the i
present statute would have to be
changed as to the makeup of the fire
rating board. My idea is that the law
should provide that the state should ap
point the rating board and the members
should be given the right to regulate
the insurance rates the same as I un
derstand the railroad commission has
diet now that before the 23rd day of
next .July 3Ir. Colquitt -will publicly re
pudiate his effort to have the law re
pealed, and that by the time the next
legislature convenes senator Hudspeth
and the El Paso chamber of commerce
will be so delighted with the practical
operation of the statute that they will
oppose its repeal.
'It would obviously be unstatesman
like and very unbusinesslike to repeal
this law without giving It a fair and
thorough test, and that has not yet
"This statute -was designed to accom
plish two practical purposes, of which
one has and one may or may nqt have
been already accomplished. Those pur
"First To prevent discrimination in
the power to regulate the railroad rates rates. That has been accomplished,
of the companies operating in Texas. Prior to January 1, 1310 when the law
The schedule of rates should be made j first became operative upon rates, dls
by the state and not by the insurance j crimination in fire Insurance rates was
companies. j the order of the day In Texas. Certain
Xo Xeei to "Wait. ; cities and towns enjoyed rates much
"There is no need to wait to see how lower than those in other cities and
the new rates are going to act. They towns of the same class and similarly
er rates than were paid by their neigh
bors who had much more property to
insure, the custom of the insurance
companies 'being to cut the rate to the
o . lrmiirnrc in -t"y" t rx oqt tiia mioi i
iiw bv. .- v.. ... ... v,.. w 0u .... . OI leXas tnat th
".Moreover, many railroad companies
insured their properties all along their
lines under one blanket policy at very i
low and discriminatory rates, and ab
solutely without regard to local condi
tions or rates, and the balance of the
state, and the small Insurers generally
ivere required by the insurance com
panies to pay and did pay enough ex
cessive rates to bring up the average,
thereby maintaining the aggregate of
expenses, fire losses, and net profits
of the Insurance companies. Nobody will
A'o Systematic Rating:.
There was no systematic or scien
Hoard Will Be Fair.
"Here and now x pledge the people
present board may
El Paso Man Says It Is the
Salvation of the El
Editor El Paso Herald:
Anent your reference in last night's
Herald to the possibility of the business
men of El Paso applying the -principles
of mutual or -'oopratr,fJre .insurance,
as a partial antfdbteTWhe'extortlonate
rates now proposed by the old line com
panies, I would say that never were
conditions in a city of its size, more
favorable, nor the chances of its success
along conservative lines more abso
lute. I know the regular insurance agent
will object to this statement, according
to his temperament, he will either treat
it with derision, will become bucolic
ally vitrlalic, or in a serious "older-in-the-head-than-you"
manner, try pa
tiently to explain, by carefully sefected
statistics (selected o suit his side of the
argument) how impossible it is to of
fer any real security to the Insured un
der the mutual plan.
As a fact, there are at this writing 57
mutual fire insurance organizations do
ing business in this country, all paying
dividends or rebates on premiums to
their policy holders, and of these, four
are doing business in the state of Texas
in two of which I carried policies up to
last year, both paying vearly a dividend
in the form of a rebate on premiums,
one reoate reaching 40 percent.
In the New England states esneciallr.
mutual fire Insurance has proved most
successful; naturally It has its limita
tions but in that section, mutual fire in
surance is carried as far as it is pos
sible. How io Play Safe.
I use the word "limitations" arivfaoriw
as in the nature of things, the amount
of risk carrieVi per city block must be
limited; but allowing an insurance of
510.000 to each block within the city
limlts and cutting up that amount in
risks of $2500 or less, even if the old
rates of the standard companies were
accepted as a basis (and not the flag
rantly extortionate fciew rates with
which we are threatened) there would
be absolutely no doubt of success, ex
cept in a case of a "conflagration," and
under such circumstances what percent
of the fire Insurance companies doing
business In El Paso would prove "will
TJte Frisco Incident.
At the time of the San Francisco dis
aster out of 243 associations involved,
but five old line companies came for
ward promptly and paid claims in full
upon adjustment, although a majority
paid S5 percent and over, after more or
less delay; of the 10 mutual associations
Involved (according to Best's special
report) only one endeavored to scale its
losses; the balance "settled in full" after
adjustment. The very fact that their
losses were limited, made it easier for
be depended upon to do their duty by
the fire insuring public and by the fire
insurance companies as well;" but the
problem thus presented to that board Is
exceedingly complicated and oannnt i,.
solved in a day or In a few week. The I them to settle. As an Instance of a most
rate on each risk becomes a factor in i prosperous mutual insurance oriraniza-
the problem. It is no sdlall matter to tUm, the Lumbermen's, is right to hand,
pass upon the reasonableness or un- lx- uas returned from 40 percent to 50
reasonableness of the great body of fire Percent on its premiums (never less
insurance rates on hundreds of millions llmn " percept) for vears, and Is more
r ilnlln.. i. j.
-, tn OI PrPrty for five
millions of people scattered over an
empire much larger than France.
"The Texas railroad commission has
Deen in operation mnny years, and dur
tific rating of property In Texas, and ( L"fir.J.po?!" at thue has had the
evervthing was on a haphazard, unrea- " . c. rr: Colquitt's great genius
sonabie. unfair, and undemocratic basis. and laDOrs. but has not yet finally sclv
To bo plain about it, conditions were ! ed th comparatively simple problem
such as to almost justify a revolution j f rates, on railroads: yet I have not
and a peaceful but radical revolution ; ufearf an1y e"ort nhis part, or by
was accomplished bv this statute. I snator Hudspeth, to abolish the rall-
"Thanks to this statute, dlscrimina- rof,d commission. Still, foresooth. they
tion n fire insurance rates in Texas is a". for. th peal of the state fire
a thing of the past and the practices ratln& board law because that board
above mentioned are gone forever. I i "" " . iai5C" upon ana reduced this
great body of fire insurance rat i
less time than It takes to mature a crop
or sorghum, and that, too, before the
general basis schedules filed bv the
companies have been generally applied
uiioujjiiuui me state: or, m other words
challenge Mr. Colquitt or senator Huds
peth or any other man who ever ex
pects to ask the suffrages of people
In any part of this state, to sign and
make public a -written statement that
crimination provisions of this law, ?;f!f "niS.asCe5jla!"able lvhat revenues
which they are now unreservedlv de- ? L " haV UDder the "
nduncing- without excepting a single j PrPsed b-v them
provision of it. Some Rates "Rednreri.
"Second To make fire insurance I "It is certain that rates on residence
rates in Texas reasonable and just property have been generally and ma
fair alike to the insured and to the in- ! teriaHy reduced, and It seems nmhhi
surer. To accomplish this result the j that rates on business property have j
prompt in settlement and its losses are
more readily adjusted than any of the
old line companies.
If the business men ot El Paso do
sire a relief from the unjust extortion"
of a lot of "special agencies," and at
the same thiie perpetuate an object
lesson of what fire insurance really
costs, in El Paso, let them join in a
mutual enterprise of this kind, and.
givln git their hearty support, get the
very best out of the co-operative prin
ciples involved. By their hearty sup
port" I mean not only a proper pro rata
of their own premiums but a personal
interest in the propaganda and the ulti
mate welfare of the movement, so that
they see that their friends, and their
friends' friend, are fully acquainted
with the accruing "benefits.
I have given several years now to a
study of this subject and am convinced
that cooperation can be successfully
applied, and. If any of your readers are
"from Missouri" I will gladly "show
Moreover, a movement of this kind
has a side that especially appeals to
me. It will keep your money at home.