Newspaper Page Text
' K I ' A r S -
VOL. XXXIX-NO. 5.
BOLIVAR, TENNESSEE, FRIDAY, NOVEMBER G, 1903.
SUBSCRIPTION: $1.00 Per Year
t Strange and Unnatural Story.
Absolutely the strangest and most
unnatural story that ever found de
velopment in the State of Tennessee
is that which has just come from Al
tamont, Grundy county. It is the
6tory of a woman who was divorced
less than two weeks after she had
married, who tried to kill herself for
love of another woman, and who
then, on the aflidavits of court offi
cers and reputable physicians, had
her sex changed and married a wom
an. As woman the girl was named
Kate Tipton. Today this same per
son is living in Altamont, and is
known as Carl Crawford. Alta
mont is a little community nestling
up among the Cumberlands, some
ten or fifteen miles from any rail
road. The facts date back more
than a year ago, but have just come
to light. In substance, they are as
, Some six years ago Kate Tipton,
a pretty mountain girl of about 22
years, was wooed and Avon by a
mountaineer. As husband and wife
they lived together for less than two
weeks, when they separated and a
'divorce soon followed. Kate Tipton
continued to live in Altamont, and
not long after the community
learned one day that she had tried to
commit "suicide, sending a bullet
from a 38 caliber revolver into her
body. For a long time it was
thought that she would die, but with
care she was restored to health, and
it then developed that she was in
love with another woman, and on
this account had tried to take her
life. About four years ago she went
to Texas, remaining there some
twelve months; then returned to Al
tamont, still as Kate Tipton. Again
she went to Texas, and a little more
than a year ago returned to Alta
mont, this time as Carl Crawford.
It developed that she had been ar
rested in Texas for masquerading as
a man, and either made bond and
got away or took French leave. Carl
Crawford, the former Kate Tipton,
presented a sworn affidavit from the
County Court clerk, the Circuit
Court clerk and one of the best
known physicians in Grundy count',
that he (formerly she) had the right
to be known as a man and to stand
in the community unmolested as
such. Prior to this Kate Tipton,
or Carl Crawford, was accompanied
to Texas by a school teacher, a
young woman living near Altamont.
It was this which led to the arrest
in Texas. With the establishment
of the court records the school teach
er went to live with Carl Crawford
as his wife, but a divorce followed
in something like two months. Carl
Crawford, formerly Kate Tipton, is
now living in Altamont, and is rec
ognized as a male citizen of that
place. The name Crawford was
that of the father, taken after the
change of sex.
Choked Boy to Death.
Houston MeCorkle, aged GO years,
an inmate of the Warren county
poor house, whose mind is unbal
anced, is accused of strangling a
crippled lG-year-old boy, also an in
mate, to death. MeCorkle had been
in the habit of carrying the boy
from place to place. Yesterday he
took the youth out for a little exer
cise and returned in a short time
with him on his shoulders. The
body was lifeless and it was found
that the boy had been choked to
Assets Amount to $8.
The Tennessee Iron and Metal
Company of Chattanooga filed a pe
tition in bankruptcy last week, in
which its liabilities are scheduled
at $39,316 and giving the assets at
$8. The creditors include Cincin
nati, Chicago and other Northern
First Time in Memphis.
For the first time in the history of
the Presbyterian Church in Ten
nessee, the State synod met in Mem
phis last week, a large number of
delegates being present. This ter
ritory has only recently been added
to the synod. It now comprises all
the synods in the State.
Coal Creek Resumes.
After a month's shut-down on ac
count of the walk out of four hun
dred miners, the mines of the Coal
Creek Company resumed last week
with a small force. The company
has posted an order that it will em
ploy none but non-union men.
Farr in Custody.
William Farr, formerly president
of Xashville College of Law, where
diplomas, it is charged, were widely
distributed simply for a fee, was ar
resied in Washington last week,
charged with using the mails for
fraudulent purposes. He gave bond
in the sum of $2,500 for his appear
ance November 16. iarrs victims
have been complaining to the post-
.... office department for some time. He
.had been indicted in Xashville, but
went from there to Washington.
Neither Side Satisfied.
Chancellor Bearden has filed a
memorandum of his opinion in the
case of the State ex rel. the 6even
minority trustees of the Union Uni
versity against Southwestern Uni
versity at Jackson et al. This suit
was niea some years ago ana seeKs
to set aside the deed to the property
of the Union University made by
the Tennessee Baptist Educational
Society, under date of October 12,
1889, to the Southwestern Baptist
University at Jackson, and to re
move from office the eight trustees
who had been designated by the
Southern Baptist University and
elected by the board of trustees of
Union University to take the place
of a like number who had resigned
under an agreement of the South
western Baptist University, to open
and maintain an academy in the old
Union University property as a
feeder for the University at Jack
son. The effect of the decision is
to restore the legal title and benefi
cial use of the property to the trus
tees of the Union University and re
tain m office the eight trustees at
Jackson, which is a majority of the
board selected from the board of
trustees of the Southwestern Uni
versity. Neither side is satisfied,
and an appeal will be taken.
Greater Tennessee Idea.
The chamber of commerce of
Knoxville at its annual meeting last
week laid a foundation of a plan to
advertise Tennessee and secure a de
sirable class of immigrants. The
chamber wants to see an organiza
tion organized on the lines of the
Greater Georgia Association. It
hopes to interest all the commercial
organizations of the State and
through them the legislature for an
appropriation to advertise the State.
Woman's Missionary Society.
The twenty-second annual meet
ing of the board of managers of the
Women's Home Missionary Society
of the Methodist Episcopal Church
met in Chattanooga last week. Over
200 delegates from all parts .of the
United States were in attendance.
Mrs. Clinton B. Fisk of New York,
president, presided over the meet
ing. Leading missionary workers
were present, and the meeting was
characterized by much enthusiasm.
Rural System for Knox.
Knox county is to have a complete
rural delivery system just as soon
as carriers can be provided by com
petitive examination. There will
be forty-five carriers in that coun
ty alone and a total of one hundred
and forty-two in the Second con
Granted a Charter.
Secretary of State Morton has
granted a charter to the Bluff City
Clothing Company of Memphis,
with $GO,000 capital stock. The in
corporators are S. B. Thomas, Wil
liam Wheeler, D. S. Ballard, W. L.
Carr, W. T. Adams, E. S. Thomas
and A. J. Brown.
Precipitated Over a Bluff.
While driving along the top of
a mountain near Butler, Johnson
county, last week, Carl Fletcher and
Edward Weatherby were precipita
ted over a bluff, falling forty feet.
Weatherby was instantly killed,
while Fletcher's injuries are inter
nal and he is not expected to live.
Deaths From Diphtheria.
A number of cases of diphtheria
are reported in the country near
Humboldt. Two deaths have al
ready resulted. They were May and
Lenden, the 12-year-old daughter
and 7-year-old son of Mr. and Mrs.
Joe Stallings, of near town. The
disease has not yet appeared in
Lumber Plant Burned.
The large lumber plant of W. G.
McKain & Co., at Neva, Johnson
count-, was almost totally destroyed
by fire a few days since. While a
large quantity of .the lumber was
saved from destruction, the loss was
over $30,000. partially covered by
insurance. The cause of the fire is
Anti-Saloon League Indorsed.
The Baptist State Convention, in
session last week at Murfreesboro,
enthusiastically endorsed the work
of the Tennessee Anti-Saloon
League, and the convention went on
record as supporting the movement
for temperance legislation.
A. O. U. W. Grand Lodge.
The grand lodge of Tennessee A.
O. U. W. met in Nashville last
week with a large attendance. The
new guaranty and beneficiary rates
recently promulgated by the supreme
lodge were adopted. The deputy
system was abolished, though a res
olution was adopted empowering the
grand master workman, grand - re
corder and finance committee to em
ploy one or two deputies after Jan
uary 1 for extension work.
A TORNADO IN OKLAHOMA
Two Persons Killed and Several In
jured, Two Fatally.
The Twister Formed Three Miles
Aorlh of Hydro, Okla., and
Swept All Jlefore It.
Tf.ansas City, Mo., Nov. 1. A spe
cial to the Star from Oklahoma City,
says two person were killed and sev
eral Injured, two perhaps fatally, and
half a dozen farmhouses were demol
ished by a tornado that formed three
miles north of Hydro, in Caddo coun
ty, at 9:30 Friday night. The dead:
Frank Brown, aged 14.
Mary Brown, aged 8.
Mantell Beachell, aged 1C; badly
crushed; probably fatal.
Bertha Beachell probably fatal.
Wm. Beachell and wife, parents of
above, ''and two smaller children;
all slightly hurt.
Wm. Brown anc- wife, parents of
the dead children; badly hurt.
Mrs. Melham, serious. "
The tornado traveled over a course
from northeast to southwest, sweep
ing nearly everything before it for a
distance of four miles. Farm houses,
barns and fences were completely
wrecked and crops ruined. The prop
erty loss is estimated at $50,000.
Hydro is a town of about 100 in
habitants in Caddo county, 37 miles
northwest from Anadarko, and is off
JOHN M. DOWIE CRUSHED.
The Knther of "Elijah" Howie Keels
Keenly the AUak Made Vpon
Him By His Son.
Chicago, Nov. 1. A dispatch to the
Chronicle from Essex, la, says:
John Murray Dowie, crushed by the
attack made upon him by his son,
John Alexander Dowie, says:
"The statement that I am not the
father of John Alexander Dowie is the
greatest myth ever uttered by the
mouth of man. It is scandalous that
my son should repudiate me after I
have done so much for him. He is my
son and was born in lawful wedlock.
No one can deny it. The records may
be had at the great register offices,
Princess street, Edinburgh. Scotland
Judge Dowie, who is respected by the
whole community, lives here in his lit
tle cottage. The resemblance between
John Murray Dowie and John Alexan
der Dowie is so close that the father
has often been taken for the sou-
MILLING PLANT DAMAGED.
Th Crispo Purity Mill Co., at St.
Lonlx, Again Put Ont of
JBiiMineNM by Kire.
St. Louis, Nov. 1. Fire broke ouc
about 2:30 o'clock Saturday mornin?
in the four-story manufacturing plant
of the Crispo Purity Mills Co., Broad
way and Poplar streets. The company
manufacturer breakfast foods, etc.,
and had been working a night force
to catch up with orders.
Two alarms for the blaze were
turned in, and soon several fire en
gines were throwing streams upon
the blaze. The salvage corps was
first on the scene
Within a comparatively short time
the fire was under control. It was
impossible to obtain any correct esti
mate of the loss, but it is not thought
that it will exceed $15,000.
The plant of the Tavyer printing
machine works was also slightly dam
aged. HAWAIIAN APPOINTMENTS.
Gov. Dole Xanied as District Judgre
and Secretary Grorge It. Car
ter Promoted to UoTcrnor.
Washington, Nov. 1. The presi
dent, Saturday, made the following
Sanford B. Dole, to be United
States district judge for Hawaii, to
succeed the late Judge Morris M
Geo. R. Carter, secretary of Ha
waii, to be governor of the same, to
succeed Gov. Dole.
CHARGED WITH MURDER.
Several Prominent Young; Men of
KnobnoMer, Mo., Charged With
With Killing Brendal.
Warrensburg, Mo., Nov. 1. John
Brendal, mashal of Knobnoster, ten
miles east of this city, died, Friday
morning, from the effects of an as
sault made upon him in that town last
Saturday evening, and William Rob
erts, Thomas Roberts, Logan Roberts,
Finis Hana and Billy Lemly are in
jail here, charged with his murder.
The young men all belong to promi
nent families in the-vicinity of Knob
noster. HE TOOK THE GAS ROUTE.
Suicide of Wllber Perry Guenther,
m. Former Washington Corre
spondent and Proofreader.
Philadelphia, Nov. 1. Wilber Perry
Guenther, aged 54 years, who was a
Washington newspaper correspondent
and a proofreader, known in many
cities, committed suicide, Saturday,
j by inhaling illuminating gas. He had
been despondent, owing to ill health.
' Guenther' was a native of Champaign
, county, 111.
OFTHE DEAD COHSUL
Were Most Impressive and Attended
by Hundreds of Her Friends.
OF A MILITARY CHARACTER
Many For the l.nnt Time Looked
I'pon the Face of the Dead Sal
vatloniit llnnband and Chil
dren Followed the Casket.
New York. Nov. 2. Funeral serv
ices over the remains of Emma Booth
Tucker, consul of the Salvation army
in America, were held Sunday after
noon in Carnegie hall. The auditorium
was filled to overflowing, and hundreds
of persons who had been unable to gain
entrance waited in the streets until the
ceremonies had been concluded that
they might file oast the catafalque and
look unon the faca of the dead Salva
tionist. The services, which were con
ducted by Col. E. J. Higgins, chief sec
retary of the Salvation army in Amer
ica, were most impressive, and con
sisted of a musical programme made
up of the favorite hymns of the dead
woman and by eulogies of her life and
of the good she had done for mankind.
The grief of Commander Booth-Tucker
was most poignant, and as he knelt
by the bier sobbing pathetically the
greater part of the vast congregation
wept with him.
Of a Military Character.
The ceremonial partook romewhat
of the character of a military funeral.
The procession moved down the aisle,
led by two standard-bearers carrying
white satin streamers and followed by
the members of the general stafT. Pre
ceding the casket was Col. Higgins,
bearing the Bible and bonnet of the
consul. Commander Booth-Tucker and
his seven children, two of them babes
in arms, followed the casket.
Ensign Dammes, secretary of the
consul, who was with her at the time
of the accident, gave a graphic descrip
tion of the wreck and the death of
Mrs. Booth-Tucker. Afterwards Com
mander Booth-Tucker spoke. He said:
HoMband Crushed With Sorrow.
"My heart is broken, crushed with
sorrow. What shall I say. I never be
fore understood the awful moment
when the news of a beloved one's death
crashes in on one. I was tempted to
play the coward, but I know she is say
ing to me from the realm above, 'Cheer
up; be brave.' I thank you all from
the bottom of my heart I feel that
you are here not merely as spectators,
but that my sorrow is yours and that
your deepest symathy is mine. I do
not want one rebellious thought to
come in your heart or mine, I do not
want one word of unbelief to crush
He related an incident that occurred
in Chicago some years ago when he
was imploring a man to lecome a
"If your beautiful wife were taken
from you in a horrible railroad acci
dent as mine has been, you would then
feel towards God as I feel," said the
man. The commander then comment
ed as follows:
"If that man should be in the audi
ence to-day I want to tell l.m that I
have not one rebellious thought against
God, who has visited upon me this ca
The cablegram of Gen. Booth, read at
Carnegie hall, was in part as follows:
Father Tribute to Head DanRhter.
"Comrades and Friends On Tuesday
you will lay away in the keeping of
one of -your beautiful cemeteries the
mortal remains of my beloved daugh
ter, Consul Mrs. Booth-Tucker. She
has fallen in the fight. As a winged
angel ste was flying througn the land
literally scattering seeds of hope for
holiness and Heaven among the sin
ning and suffering children of men,
when all suddenly, without any warn
ing, the death angel met her, and after
a faint and hopeless struggle hurried
her away to join her sainted mother
in the presence of her Saviour-Lord.
"Her death is an unutt?iable loss.
She was a salvation soldier of incom
parable worth A long and memorable
record on well-fought fields is behind
her. Perhaps of no one in modern
times, of her years and opportunities,
could it be more truly said 'She has
fought a good fight.".'
ANOTHER FEUD EXPECTED.
Soldier Ptirnue Jim Pinkerton, Who
Killed JohuUarrett After
KscaninK From Jail.
Owingsville, Ky., Nov. 1 Another
feud outbreak is expected in Breathitt
; county, according to the reports re
ceived here. Last night John Garrett
was fired upon from ambush and in
stantly killed by Jim Pinkerston, who
escaped from the Morgan county jail.
' The killing occurred at Wiliurst, ten
miles from Jackson. There has been
1 bad feeling between the ro'atives of
the two men for years, and further
trouble is feared. Soldiers from Jack
son are pursuing.
DOLE SUCCEEDS JUDGE ESTEE
George It. Carter, Former Secretary
of Hawaii, Is Appointed Gov
ernor, to Succeed Dole.
Washington, Nov. 2. Tho president
Saturday made the following appoint
ments: Sanford B. Dole, to be United States
district judge for Hawaii, io succeed
the late Judge Morris M. Estcc George
R. Carter, secretary of Hawaii, to be
governor of the same, to succeed Gov.
A GENERAL THANKSGIVING
The President Issues His Annual
Thanksgiving Day Proclamation.
Calls on the Xation to Cease Their
Occupations and Render Thanks
For Blessings Received.
Washington, Nov. 2. The president
Saturday issued his annual Thanksgiv
ing proclamation in the following
By the president of the United States
The season is at hand when, accord
ing to the cusom of our people, it falls
upon the president to appoint a day
of praise and thanksgiving to God.
During the last year the Lord has dealt
bountifully with us, giving us peace
at home and abroad, and the chance
for our citizens to work for their wel
fare unhindered by war, famine or
plague. It behooves us not only to
rejoice greatly because of what has
been given us, but to accept it with a
solemn sense of responsibility, realiz
ing that under Heaven it rests with
ourselves to show that we are worthy
to use aright what has thus been in
trusted to our care.
In no other place and at no other
time has the experiment of government
of the people, by the people and for the
people been tried on so vast a scale
as here in our own country in the open
ing years of the twentieth century.
Failure would not only be a dreadful
thing for us, but a dreadful thing for
all mankind, because it would mean
loss of hope for all who believe In the
power and the righteousness of liberty.
Therefore, in thanking God for the
mercies extended to us in the past, we
beseech Him that He may not withhold
them in the future, and that our hearts
may be aroused to war steadfastly for
good and against all the forces of evil,
public and private. We pray for
strength and light, so that in the com
ing years we may, with cleanliness,
fearlessness and wisdom, do our allot
ted work on the earth in such a man
ner as to show that we are not alto
gether unworthy of the blessings we
Now, therefore, I, Theodore Roose
velt, president of the United States,
do hereby designate as a dav of gen
eral thanksgiving Thursday, the 26th
of the coming November, and do rec
ommend that throughout the land peo
ple cease from their wonted oceupa
tions, and in their several homes and
places of worship render th.mks unto
Almighty God for His manifold mer
cies. In witness whereof I have hereunto
set my hand and caused the seal of
the United States to be affixed.
Done at the city of Washington, this
31st day of October, in the year of our
Lord 1903, and of the independence of
the United States 128
By the President:
JOHN HAY. Secretary of State.
LIFE OF BURNING GIRL SAVED
Hot For the Heroic Action of Jacob
McAvoy Miss Iela I.awon Would
Have Burned to Heath.
Medora, 111., Nov. 2. Her dress ig
nited from a bonfire while she was
burning leaves in the yard at her home
in Carrollton, Greene county, Miss Lela
Lawson, aged 20 years, was saved in
a heroic manner from fatal Injuries by
Jacob McAvoy. a carpenter
Miss Lawson, after raking the yard,
had built a bonfire. Whi!e her back
was turned to the blaze the skirt of
her dress caught fire. Losing her pres
ence of mind, she ran screaming to tne
McAvov. who was at work across the
street, seized his coat and ran to the
irirl's assistance. He had much dim
rultv in smotherinE the blaze, which
by that time had completely enveloped
Miss Lawson. Her injuries were pro
nounced serious, the flesh being fright
ARREST ILLINOIS BANKERS.
Cbara-es of EmuesIement Preferred
Againnt President and Cashier
. of the Loekport (ill.) Bank.
Joliet, 111., Nov. 2. Presid-ci t Charles
N. Bacon and Ca3hier Andrew H. But
ler, of the defunct Loekport bank,
were arrested Saturday on warrants
charffins emzczzlement. It is charged
that the officers of the ban- received
deposits when they knew the institu
tion to be insolvent. Both found bonds
men. Bacon has been state senator and
has been four times mayor of Loekport
The hearing is set for to-morrow.
Tennessee Raftsman Drown.
Paducah. Ky.. Nov 2. A body sup-
Dosed to be that of Dan Keeney, a
raftsman of Danville, Tenn., was found
in the Tennessee river three miles
above here Saturday afternoon. He
was last seen aboard the Clyde and is
supposed to have been drowned. He
was a raftsman and has here a rait ot
loes worth $1,400, which he had gone
up the river to meet. Papers found
on the body indicate that it is Keeney.
Son Kills His Father.
Paducah. Ky.. Nov. 2. John Roberts,
aged 53, was shot and killed Saturday
by his son, Owen Roberts, at Bandana,
Ky., 20 miles from Paducah. The fa
ther had chastised a younger son, and
when the elder arrived drew a knife
on him and was shot twic
Courthouse Contract Let.
Harrisburg. 111., Nov. 2. At a special
meeting of the board of supervisors of
Saline county here Saturday the con
tract for building the new courthouse
in this city was let to Robert King
and J B. Ford for $27,000. .
Tennessee Insurance Laws.
It is my privilege to present to the
people of Tennessee an article which
contains most valuable information.
It is a clear and logical statement on
insurance laws and conditions exist
ing in this State, and was prepared ex
presssly for me by Hon. Reau E. Folk,
State treasurer and ex-officio insurance
commissioner, hence authoritative on
every point. Mr. Folk has gone into
the minutest details of the subject,
and has presented it in such a manner
that it cannot fail to be interesting.
This article should be read by every
person in Tennessee, and then filed for
future reference. Mr. Folk says:.
"The most important consideration
for a citizen in making a contract for
insurance, whether it be for fire, life
or accident indemnity, is the absolute
reliability of the company with which.
he makes the contract. Too much care
cannot be exercised by the citizen to
protect himself from fraudulent and
questionable insurance concerns.
"It is easy enough for an individual
or company to execute a promise to
pay. That is what an insurance con
tract is. It is a promise to pay a stip
ulated sum on the occurrence of some
contingency. Unless there is financial
responsibilty behind this promise to
pay, when the contingency arises the
contract may be only valuable as a
decorative piece of paper and worth no
more than the paper would intrinsical
ly be worth upon the paper market.
"Because of the fact that an insur
ance contract is founded so entirely
upon confidence, the various States of
the country, in their laws, exercise a
most rigid watch care and supervision
over every insurance company permit
ted to make contracts with tneir cit
izens. Practically all of the States
now have these supervisory laws and
some official is charged with their ex
ecution. Before the inauguration of
the supervisory laws, the insurance
business, being of such a nature as to
offer an inviting field for fraud, num
berless instances of dishonesty and in
"It is practically Impossible for the
individual citizen to know or ascertain
for himself whether any company lo
cated outside of his community is sol
vent and reliable, or whether its state
ment to him of its financial condition
is founded on fact or is part of a base
purpose to deceive. The State, there
fore, properly assumes to secure lor
the citizen this knowledge which it is
not possible for him to procure for
himself. By statute certain standards
calculated to secure safety ana sol
vency are set up. Every company de
siring to do business in the State must
make application for authority to do
so and must obtain license before it
can legally make any contracts in the
State. The State treasurer of this
State is ex-officio insurance commis
sioner, and is charged with the duty
of granting license on behalf of the
State, and he is required to see to it
that before license is issued every
company fully comes up to the stand
ard set up by the statute, and that
every company is in a sound and sol
vent condition. The closest watch care
is necessary in order to prevent the
coming into the State of unsound com
panies. Whenever any company op
erating in the State becomes insolvent,
it becomes the duty of the insurance
commissioner to require it to at once
remedy its impairment or revoke its
"Severe penalties are provided by
statute to be inflicted on the officers of
any insurance company or any person
found in the State representing unau
"Despite the closest scrutiny on the
part of . the insurance department,
fraudulent concerns in various ways
are constantly seeking to Inveigle cit
izens into making contracts with them.
These irresponsible companies are
commonly caled 'wild cats.' One of
their favorite methods is through the
medium of the mails. They send out
circulars purporting to give a state
ment of financial condition, which, in
many cases, is founded entirely in the
imagination or oase minas in ineir ei
forts to deceive. They offer insurance
at any premium which may be ob
tained, calculating that every dollar it
receives is so much made, for the rea
son that they pay no losses. When
these frauds use the mails to solicit
business the State is powerless to
make any arrest, for the offenders are
beyond its borders. An effort is now
being made to induce congress to deny
the use of the mails to any concern
purporting to do an insurance busi
ness which has not complied with the
laws of its own State.
"Sometimes these fraudulent con
cerns send smart agents into the State
who hope to write a number of con
tracts quickly and get out of the State
before they can be arrested.
"Another method on the part of these
fraudulent insurance concerns is to
secure the names of insurance agents
in small towns and authorize them
through the mails in the hope of find
ing some unwary or unscrupulous
agent who, having more Insurance to
place than the authorized companies
which he represents will take, or hav
ing applications for insurance on extra
hazardous risks which the authorized
companies refuse to take, will place
such surplus or extra? hazardous risks
"Sometimes well meaning men ig
norant of the law, are induced to be
come agents of these concerns. It is
one of the purposes of this article to
warn such men, for when they are de
tected they must suffer the penalties
of the law just as the most wanton vio
lator. "Every man who acts as the agent of
any company should demand from
that company a certificate of authority
from the insurance commissioner of
the State, authorizing him to act for
that company. Too great care cannot
be exercised by the agent in this re
gard, for, under the law, if he repre
sents any company whatever without
having in his possession this certifi
cate of authority, he is guilty of a mis
demeanor. In addition to demanding
J this certificate of authority, whenever
BY RUTLEDGE SMITH.
he has any doubt about any company
for which he is asked to act as agent,
he should communicate at once with
the insurance commissioner.
"The citizen, as stated before, can
not be too careful as to the company
with which he places his insurance
policy. If there are not sufficient as
sets behind the policy to guarantee it.
or if there are no assets, he will find
when the contingency against which
he has undertaken to insure arises,
that he has been paying out his money
in premiums and has really been get
ting nothing in return. If a company
is duly licensed to do business in the
State, that fact is evidence that it has
complied with the requirements of the
law and Is regarded by the insurance
department as honest, safe and sol
vent. Every safeguard is thrown
around the conduct of the business to
give the public means of protection.
For instance, as above stated, in addi
tion to obtaining license, every com
pany must make application for and
obtain from the insurance department
a certificate of authority for each
agent who represents it. This is in
addition to the privilege tax of $10
per annum, which each agent is per
sonally liable for. Every agent who
represents a company, even though
the company be authorized, without
having a certificate of authority from
the insurance department to represent
such company is guilty of a misde
meanor, and the punishment is both
fine and imprisonment., '
"Every agent should carry his cer
tificate of authority with him when
he goes out to solicit business for his
company. And if any citizen is asked
by the agent to make a contract in any
company and is in doubt as to whether
this company is licensed to do busi
ness in the State, let him demand to
see the agent's certificate of authority
to represent that company. If the
agent has the certificate it will indi
cate that the company is duly li
censed, for no certificate can be grant
ed to an agent to represent a company
not authorized. If the agent fails to
produce this certificate, and claims to
have left It somewhere, I suggest that
the citizen politely tell him that he
would prefer to see the certificate be
fore discussing insurance any further.
Then I suggest that the citizen write a
line to the insurance commissioner, at
Nashville, and give the name of the
agent and the company he claims to
represent. The commissioner will at
once respond, giving all information
about the company. If It is a fraud,
the letter will probably result in the
agent's arrest, and other citizens who
are not so careful as the one who has
written will be saved from the possi
bility of being caught In his snare.
"In this connection I want to im
press upon the people that the insur
ance department was created, for -their
protection, and that the information
which the department is required to
obtain, was obtained on their behalf.
The department will promptly furnish
upon application at any time any in
formation regarding any company to
A Literary Mosaic.
It is not often that one sees a poem
that is literally a literary mosaic
more especially is it true that most
of those that do appear are wholly
without merit. The one published be
low is a gem that recently appeared
in the Unique Monthly. The author
spent many months of toil in working
out and perfecting the compilation,
which was a very difficult task indeed:
Why all this toil for triumphs of an
Life's a short summer man is but a
By turns we catch the fatal breath and
The cradle and the tomb, alas! how
To be is better far than not to be
Though all man's life may seem a
But light cares speak when mighty
griefs are dumb, (Daniel).
The bottom is but shallow whence
they come. (Sir W. Raleigh).
Thy fate is the commonest fate of all;
Unmingled joys here no man befall;
Nature to each allots his proper
Fortune makes folly her peculiar care.
Custom does not reason overrule,
And throw a cruel sunshine on a fool.
Live well; how long or short permit to
They who forgive most shall be most
forgiven. . (Bally).
Sin may be clasped so close we cannot
see its face; (French).
Vile intercourse where virtue has not
Then keep each passion down, how
ever dear, (Thompson).
Thou pendulum betwixt a smile and
Her sensual snares let faithless Pleas
ure lay (Smollett).
With craft and skill to ruin and ber
Soar not too high to fall, but stoop to
We masters grow of all that we be
Oh, then, renounce that impious self
Riches have wings, and grandeur is a
Think not ambition wise because 'tis
brave; (Sir Wm. Davenport).
The paths of glory lead but to the
What is ambition? 'Tis a glorious
Only destruc -ve to the brave and
"There are in London more Scotch
men than in Aberdeen. More Irish
than in Dublin, more Jews than in
Palestine, more Roman Catholics than
in Rome, and more than 15,000 Amer
icans," says William E. Curtis, the
noted correspondent of the Chicago