Brenham Banner-Press (Brenham, Tex.), Vol. 44, No. 62, Ed. 1 Wednesday, June 8, 1927 Page: 3 of 4
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son.
*nt thi*
rom
game
Mr. and
Ninety-five
bas'eball
remain
Z BUI
relatives.
not
you have opportunity
tennis
LOOK
(BER
PEOPLE MAKE THEIR OWN INSURANCE RATES!
The Real Rate Maker
U»Y
COUNT
and probidtillties
MINUTE MOVIES
PART 2
COMEOV... FUM
USING
The
farms
here
chop-
awholelot
Smoother
pennant
effective
would ■
ntitled m
junt of
little \mdfloweb
OF THE MOUNTAINS.
SHE WASNT AS
Dumb as mefe
DaD-SMP WAS
tWBEK? —
F purchue
p This twt
hl marry yesj
kinkwitr, it
merchant of
IT SURE HAS
PAPPY, - lT
SURE HAS.’
gED DUMPING-.
FIGHTS G WAS it
' FEUD AHO DRINK’
lb HIM, BUT THE
OLD BOV U/AS
Getting fed
‘rt»est. (
'B*shful 1
r* ‘Henri
Wm. Penn
Adv.lt.
FjLV S,
•Tick
\Rv-UND
AND
MEET
ZEB
WERE
give*
stub*
Lind
but has
class A
Moines
Shreve*
also
Fit AN WHILE
The" state.
H*3HU/Ay
COMMlffSlCN
LEARNED
TiAT iT?
WORK *N
3»xep cn.
WAS MlhH
COMPLETE'
le one w»y
t most out
» purcl
k-cated
the game is
now tell us
If Deme-
great year with the;
PRAYER MEETING
will be no prayer meeting
(Wednesday) in the Chris-
nity awaits France this year in
cup competition.
Public Wholly Responsible For
Premium Cost, Authority Shows
The Dallas team of the Texas lea
gue has
from the Minneapolis team.
The Chicago White Sox continue
to be the sensation of the American
league. They are now locking horns
with the New York Yankees for the
/ OH , PAPPY-HONEST
' Teb-Hee-that
Fine a - ID MUCV
RATHER KISS ZEB
7 Than kill
and I had lost 30 much W®l*hL
Frirtn’t look natural. I had pimples
Ljms also bothered with a breaklng-
2i tnat itched terribly. I also had
J^ls one after another. I tried differ-
Egga 10c
Hens, 14c.
public who between
v. Iiofo fault It does
sustSin in-
colliding of
• -r create
the
Beaumont is still undetided
its shortstop, Tucker replaced
rend and then Mayer replaced Tuck
is *rrice
h« been <
irting Th
which is Poll-
ution, alias
D-I-R-T.
Ruins bear-
ings. Gums
up the en-
gine. Fouls
i gn ition.
•FLIVO-
LENE is the
antidotel
Only the coat of fashioning and
selling the raw material of ineiir-
auce is known in advance, and ’hie
accidents, embenlementn, forgeries,
bank failure*—an* a host of others.
And the number of the differing
sets ot conditions under which any
of these “happenings" comes to af-
flict the individual, is legion. So
that the calculation of the money
coot demands the separation of all
these “happenings” and “condi-
tions" Into many thousands of ape-
<■ S^R -* —* - a S — —
and
doing
race
JULEP COUNT/ - Tt?’
The home of the
urxony MOUNTAINEER
JED DUMPING. AND
HIS ONE REMAINING
daughter , DIPTHEPIA
Wm. Penn —3 cents—A Good Cigar
Adv.lt.
AMO NOW! GBNTLtMLN. THiS K 1 ■’ ;i* y ’
tn«jTRlC.T HAS AS FlN» ROAPs ‘ : >
other sr LTiOj^-n-ey v. ll psc-’E
A BLESSING To THC rooR .•.CNf?R.«NTr
Ybuitoid
will tun
part of the total cost to the smaller
part of the whole.
And the cost of the raw material
of insurance—the protection Itself
or the "claims cost"—to never un-
der the control of the seller; it Is
not. as are other raw materials,
subject to over-production and com-
petitive bidding. It is in fact, at the
time of the sale, an unknown future
quantity which our actuarial friends
would designate by the sign <c, the
actual value of which is determined
or "made” by the purchaser after
he has made his purchase.
An Extraordinary Condition
This extraordinary condition is
without precedent In business, and
calls for extraordinary treatment.
Hear in mind that the purchaser
buys immunity from the chance of
future loss, and the insurance com-
pany sells to him that immunity
for a fixed price.
The Insurance company, there,
fore, must base its charge upon
probabilities: and probabilities can
only be determined by consulting
the records of happening* of the
past under identical or similar con-
ditions. Hence the need for investi-
gation of past "happenings," and
ths further investigation into the
conditions that caused and sur-
rounded those "happenings." Lead-
ing on to the calculation ot the
money cost of each “happening,”
and of the money cost of all “hap* j
penlngs” under any one set of con-
ditions, and the money cost of each I
and every set of conditions in which i
there have been “happenings.”
And let mo rwi-eat that there a’s
several dozen different kinds ofi
"happenings” which ate covered bv |
Insurance—Ori
storms, fio.-ito,---„-------____
kier systems. burgUriee, ewunnobil*
acciderta «*sw. * -<x'.dents, train
There
tonight
tian Church that all may attend the
evangelistic meeting in the Baptist
Church. -
BUT I GoT GOOD NEWS,” Dippy; TH' FEUD
ie ENDED ME AN' ZEB TRUCK'S WAff
aJLpfD ON A TRUCE AN' ME HAS ASKED
^Rfer £r hand INJH' bonds^f^
VlATR'MONyAN f jfiKL Q
IXrDLOCX r^ ~
When you want a real loaf of rye
bread, one with the delicious rye
taste then you will want to try Witt-
beckers Rye—a rye bread that cannot
be excelled. Made only by Wittbeck*
ers Bakery and sold by all first class
grocers.—Adv56-30t.
horns, from 1 1-2 to 2 1-2 lbs. 17c
Larger breeds as Plymouth Rocks
up to 2 1-2 lbs. 20c.
Fryers over 2 1-2 lbs. Ifc.
Ducks, 10c
Old Roosters, 5c.
Butter, 2®c tn 40c.
Butter fat. 30c.
COTTON
Good middling, 17.00
Strict middling, 16.75
Middling, 16.00
Strict low middling, 15.00
Hulls, |8.0b
Cotton seed, >25.00
Cotton seed meal, >2.00 per 100
woad MCk.
sorry to report that Otto
on the sick list again.
Willie Gerland and little
' After the games of today the south
^aas teams will go to north Texas
jpin and the result of the secofid
iavaiion by the southern teams will
eQI be watched with intense interest.
one al
ovo—hax ar.y
<*.**• being
Hr only
bn Cor-
WITH FULLER PMUH
and his comedian^
PRODUCED
ED WEELAH
man
Andy Cohen.
league leadership. If tlie Sox can
the series in New York they
have done exceptionally well
the position. Beaumont is having as
much trouble filling Deviveros’ shoes
as Waco had in finding
take the place of
DOT/
^ECtlOIBiNGSToan,
Beaumont has signed a star pitcher
from Northwestern university named
Carlo. He is said to have made a
jauational record in the Western
ronference.
Owens had
San Antonio team last
22 games and saving many others.- for the Cubs
fairly well.
Wayne Windle,
year, winning ing a remarkable
now and
value
won them
hurlers must
year
with
a surprising
made the
that the
—who makes the "claime-co»t“f
And there bv but one answer—
the PEOPLE.
Tne automcblltnR public and the
pedes.ria . .
tr.em—and- b.
not mat'.sr—cause and
juries by the viol* n. _..
ore ».ih the othet. thereby c
or "make” the money-lot..! ol
occurrence, v.d tbit money-!'-*! Is
»he "Malm* cost” or tt”- C’.at ot the
raw mate. la’, or protection.
Wli»n the p’s', pie of a <y pa'tlcu*
I’er dis’.I.a undertake, to O'-ijuno-
[t’on with tl * ■.•f/iional F.i^’ tv Coun-
cil or o'b.ebw.ee. to creir.'te a Asrety
*»o»v’i-#nt—by rev”-1j"t* 9g their
t«»Slc re<r»’>’,ons
enforcing
obsytng aw
office. eiijoi.xlL— _______________
car* and ja v-wrflking bv ped*, t.iaiu.
i vault* fol Ip w with startling rapid-
ity; th”'* 'bV’Pie ■ th»'-eby create
fewer gf.-’den’e they "make" a
lewer -rl.'u 3-c«»t " *nd the rate*
ceicule*” v laira-ttolly and fai-»t-
* ' an-l- y fleurva
rec”-if "tn »g
ntag and
____ local oi dlnunce*.
upholding their traffl *
undue svsedlng of
We are
Hertel is
Mrs.
daughter of Houston are here on a
visit to her parents, Mr. and Mrs. Hy
Klaus, Sr., and other relatives.
Mrs. R. A. Eckert and Mrs. H. G.
Klatt visited Mrs. Augusta Quade,
who is on the sick list, Sunday after-
noon.
r , - - —J their local author,
ties whom they elect and should
" -Jre control—expert Ore-fight.
When they bar the uae ol
>fa and other flagrant fire-
when they have a “claan-
every week of t»e year
He was sold to Detroit but the Tig-
ers did not like the way he took
oi himself
split. fired him-
vzill him back-
! apolis
After being absent from the Ban-
ner-Press columns for several weeks
25 I will try to rake up a few items of
news. It is a pleasure to write for
Mited phy?lcl«ns reco«nlze ap-
of pimples, boila and other
fifJruptlons as being an Indication
Thnormal condition of the system,
why so many thousands have
2“ -shied to free themselves of
** SsUiitly blemishes and Jafaful
*J>v.nces by taking a course of 8.8.8.
«!!?awe it to yourself to try 8. 8. 8.
J-iM Nature build up red torpusetes.
J JXvM the processes hy which the
IWyaAiirished It is time-triM and
_ - being . exceptionally
strong in the pinches. Evidently the
oM boy is still far from -through
was. a year ago he will
the Steers and
ago or he
the /Millers.
n able to make the
He started with Des
and was later with
was released. Lind
Dallas for a while this sea
O. Smidt and family motored to
Rosenberg last week to spend the
day with relatives and friends.
Little Melba Smidt had the mis-
fortune of falling and cutting a largfe
gash in her knee. She is doing as
well as could be expected.
Correspondent.
•nt kinds of remedies, but nothin, ata
affawS
wa Setting ahngIn, 1 g's Two1111'11
tn 8two8 al«BwulaUfa^r,:s
economical *«r*er nig j3 moro
Seguin.
Arthur "Gerland and
were here on
paniea the rata-reductlon which thi
people of that strict have made
Bo ft to with other kinds of in-
aurones. When the people of on*
particular locality really undertake
Fire Prsvention work, when they
install modem and efficient fire-
figiitlng equipment, whan they am-
ploy—through their local authors
therefor
era, r
eh Ingle i
sproogei
up wgeL _________________
and thue prevent the accumulation
of flre-camlng “waste,'* when they
make it a matter of shame for one
of them to have a fire and thue
endanger the livelihood and the
property and the Ilves of his fellow,
citizens, then those people create
fewer fires and “make” a lower
“claims-cost”; and the rate-calcu-
lators observe and report that the
locality has "made" a reduction in
its fire Insurance rate.
■And as to their methods tn mak*
ing insurance rates, strange as it
may seem—the people make them
largely by Inactivity. To be brutally
frank, they make them by sheer
carelessness. Certain It to that the
majority of fires are caused by care-
lessness. and could be prevented by
the exercise of quite reasonable pre-
caution and at no -‘Xpense. And It
la equally certain that moat acd-
dents could be avoided by reason-
able care, and by a little m»ra*
thought and regard for ths "otti.-r
fellow's" righto.
You. Mr. Employer, "tnnke" vo<ir
Workmen's Compensation Insurance
rate high or low according to the ex-
tent of your own active interest m
safeguarding your plant and In in-
stilling the thought ot safety In. the
minds of your employes.
*** flow tn Reduce Rar<w
You, Mr. Storekeeper, "make" vour
Burglary Insurance rs'e high or low
according to tbe extc’.t of your care
In protecting your r’oek by approved
alarms, and by your support of your
l(s:al police and your Insistence upon
their efficiency. You. lady of the
household, “make” the Are Insurance
rate which you or your husband pay.
by your core in droppng a match
only after it has been extinguished,
by providing safe ash-receiveni for
cigarette stubs, by switching off the
current from the eleci’ic Iron and
the curlers when lhe.r work Is done.
We—the yeop’o—oifilii tne insur-
awce rates, an J «« pay the b'll. We
can make the co-t of protection
against the era nee or los.- hi»h <>i
low, as we will, if we se” about L
with Ihtsliirsnce and real Afor* we
eon reduce eur rut’-e; If on tb* v’hor
hand we "liwa’i»time." nr It—
perchance- - we “don't cote,” let us
acvagfhetea* tars *l>c Inifsputnble
r«ct that no tssuran- a company, no
rating burraj, no iiuuran-te
mlssiower who lisa Mupen lilon over
rotes U Llamable or responsible.
We e*w»ts tn* "alalnis-cost”'. we—
<1»» poor’s- m.ivi f r.-H.
Mrs >. C-------------- ¥Ulw „
simple, strengthening iron and
“W compound in use for over
— — —women, run-
down “d fraU children- The
verY BIRST week you take Vinol tbc Banner-Press, especially
you begin to feel stronger, eat and
Bicep better. Contains no oil*—pleas-
ant to take. Tristram Pharmacy.
bine the value of the two. and an-
nounce the result as th* Correct
Rate for « given risk.
They have not "madei* the Rate,
Just ae the accountant has not
"made" 1 plus t equal 4. Ho solved
his problem by the application of
a definite *r.J accepted foot; 3 plus
3 is tor art.It 4.
The rate cejcvlatm-r have solns
their nio.h ec-mp'l^xied problem by
tbe use of s'juatiy •itilatte and aa-
oeptsble farts, and ana ahis to state
that tbeJr result U ms correct rate |
Tl’.t the, ao rot - ___
they ©Ucunts .-Stea sccerdlcg to
facts not or (h.«u making.
Loch ot the Xat<eg Bureava to
stuffed wita streets; and boi
t^»m—nor »«;» emj ‘ •
in-xrost whatever L
hi'.h or tafae Oetog tow. _____
‘ 2 ~~___‘ _- _1 vmU16 bf» c<w-
tret, a-d this rwiolrtw the OnUaUon
>UILOOT
you knowas Dil-
ution. Costly
business. Rely
on FLIVO-
LENE, changed
often, to foil
l this Oot, and
\ chase chatter
' from Ford*.
,yons, Thomas,
Faber are the boy
much to keep the
while Lyons and
more games than
in the majors this
jean stand the strain for
| son the Sox, picked to
Wm. Penn —5 cents—A Good Cigar .
JJjTjt tI,e cc,,ar- may win the pennant. They
•>—❖ also have a great relief hurler in Ser-
; Waco has signed a pitcher from' K^ant Connolly,
the University of Michigan but he
has not reported and may not do so.
Blankenship
s' who are
Sox in the
Thomas have
any other
year. If that pair
an entire sea-
finish near
If Owens is the pitcher that he
be of great
may carry
race, but he
as he
have
WHO makes insurance rates? The answer to this question is
unknown to at least 99% of the general public and—let it be
said gently—to far too many insurance men.
But it is a perfectly legitimate question, and one that calls
for a definite enlightening answer if only ou account of the serious
importance of insurance to everybody, everywhere, all the time.
fn the beginning, let us note that while there are several dozen dif-
ferent kinds of insurance, all are based upon the fundamental idea of
providing security—selling it, if you please—so that, for a specified
price, for a specified period, on individual may acquire * specified
amount of protection.
This system meets a human need
so general that it has acquired many
million patrons, all intent upon the
primary thought of security.
Insurance and Life Preservers
Insurance is purchased, just as
sure life preservers, because people
do not wish to take chances. Both
are for use In emergency, and un-
sound Insurance Is as treacherous
as a defective life preserver. The
first thing, therefore, which a pre-
mium rate must do is to provide
funds sufficient for the guaranty of
protection to those who are paying
for IL Thia to the sine qua non
without which the whole Insurance
structure would quickly pass away.
The cost of this guaranty of pro-
tection divides itself naturally Into
two parts, namely, the cost of the
protection Itself—which may be de-
scribed as the raw material of in-
surance, known in ths business as
th* "claims cost’; and the cost of
the guaranty or. In oth*r words, the
cost of providing the protection in
usabl* form for th* public that
needs IL
Up to this point the pricing of
insurance is similar to the pricing
of other marketable necessaries In
that th* cost of th* raw materials
and th* co*t of fashioning and sell-
ing them are th* two factors to be
considered. But at that point the
similarity disappears, because whll*
ths co*t of th* raw materials tn all
other marketable necessaries to
known tn Advance to the seller, th*
cost of th* raw materials of Insur-
ance—the "claims cost"—Is «n-
tenown at th* tlm* of th* *al* »nd
ts only developed long afterwards,
whan the period of the protection
The annual xoofirsution . class of
Woodrow, was confirmed last Sun-
day at tbe Rosenberg Lutheran
Church, and was witnessed by a large
audience.
Mr. F. W. Nordt and family of
Brenham, spent the week-end here
visiting relatives. He reported that
the roads were in good condition and
ideal for traveling. 4^^”
A large crowd of our young folks
gathered at the home of O. Kilsby,
tor a party Tuesday night and every-
body present had a splendid time.
This section ha* been losing quite
a number of cattle due to the drouth,
which has caused the drying up of
the ponds, and where fresh water
was not supplied the cattle di$d in
young large numbers.
however, is play-
shortstop
i hitting
. .;.7.ei
.* WelL
SERWCES TONIGHT
A large attendance is desired at the
services at the Baptist church tonight
the subject will be, "The Bible Teach-
ing Of Eternal Punishment,” “Hell.”
Mr. Helm will sing, "What Then.”
Hear these messages and boost the
meeting
Seems that Big Bill Tilden's
regime is just about at an end
was primed for his championship
.... c L . ma,ch wi,h Rene LaCoste in Paris . _ .
Mike Schmid won his .econd game Sunday, but lost it in five thnllingl jus^
or Texarkana Monday, 4 to 1, the sets. Looks like a golden Opportu- ent' Brenhani Banner ^Publishing2 Co
I ’ —Adv. 31 6t
I YOU AN ME .GAL, IS ALL THAI'S LfiFl OF W S
v----^-1 dumping family now :j that FEUD
WIIW TH' TRUCKS family was about
^■€^1 cleaned
, US ALL
Zw ^.our.’!
Swede Lind, former Temple ’firrt^
baseman. and later with various class
A teams, has finally retired tfrom yroro 7^^ w^k
baseball tor this year at least,
•s a star class-D performer,
not i>
grade
this year
Port, but
was with
William Demetral, a wrestler
was’ a ' 20 years> announces that
vv do a |
stayed trOolced' Someone will
that char coal is? black.
*
tral had wished to make
statement’ he should have
startling announcement
wrestling game was straight.
The Cost of “Happenings"
Let m* emphasis* th* fact that
those who undertake this work of
calculating the money-cost do not
create or "make" the happenings
or the conditions or circumstances
of th* happenings; neither do they
"make” the money cost, any more
than an accountant “makes” 3 plus
2 equal 4. Like them, he deals only
with facts and, having to record th*
result of adding *2 to $2 he correct-
ly, enters in his books the figure 31.
The calculators of th* money cost
of “happenings” covered by Insur-
ance, tabulate the exact facts of.
the millions of "claim-files" of the
hundreds of insurance companies,
classify them into groups of similar
kind, sub-divide those groups Inta
others of similar condition* or civ^
cumstance* or surroundings, and
present a final and exact and un-
questionable atate.nent of tbe actual
money-cost of the protection against
such "happenings ' of recent years.
Thia la the proved "claims cost” of
the past; In turn it is modified—by
scientific calculation — whenever
possible to meet any Immediate
changes In facts—such as changing
laws or the introduction of new
safeguards; and It to then adopted
aa and assumed to be the probable
claime-oott of the future. Never-
endlngiy these calculators bring
their calculations up to date by
merging into their figure* the latest
available statistics of the actual ex-
perience of the insurance compan-
ies, and by dropping from their
figures the statistics cf the older
yea rs.
Many hundreds of expert calcula-
tors are engaged in this work all
the tln't- -not for IndLld.’al com-
panies but toz ai.socist’cna or bu-
reaus whose member*'** -p conxizUi
of practically all the companies
Having tbui arrived at toe prob-
able cost of protection or. “claim*
cost,” »nd knowing, with exa^<!tuuc
the other and *n>4i;*r factor !n an
Insurance rate, nsiaeiy th» cczt of
fashioning (l.o., y-lrtlng end
scores of other ne’.osso.y biank-
forns. saliri-s of Inspectors, sur-
veyors, sa'-ty - engi icera, clrra*.
policy welters, ere. rriite’. of ofllce-
«pace postage, pranoum tacc* pav-
sble to ftats Governments and
sometime* also to murialra1!tl*s,
and other stai’iar expense* of o>- . . ______ _ -
erstinn and alm'nln’cring a largo tniis u>a|
and wlftoty-sjireza basin ess) and o* i ‘ L __ ___‘ _ ___
selling oiraally through erpen.vf dv-ai’od tntcruiatio* w,*t 1* al
agents end broze-e. most of whem
are specially lk«ns«d up their Btats
Governments for this rurposc) the
prete-rticn, rhe ca’cula’e.-v by a
. o<x.r>3’*'rv»)y *•- 'oracula com-
our
new* is read with eagerness, provid-
ed the editor will let it pass through.
Davis' This' community was visited by a
I heavy rain Sunday afternoon. A great
deal of damage was done to the corn
crops by the storm and wind.
iS tO , , ,
.low lands' were flooded.and hill
Beh- . ,,
were badly washed.
now purchased Tiny Owens er, but Tucker was placed back at1 M°S‘ °f ,he farmers around
I are through with the|r cotton
ping for the first time.
The feast which took place at the
La Bahia Turnverein hall on Pente-
cost day was well" attended. The
dance was? attended by
(folks from all directions.
i Miss Esther Klatt, who spent sev-
eral months in Galveston, has return-
ed home to visit her parents,
Mrs. H. G. Klatt, and will
here for several months.
Rev. C. 2iehe, our pastor,
'turned home from a visit to
Mr. and Mrs.
children of Houston
Pentecost to visit their home folks,
and other
teams have
care
at the training camp and
San Antonio did not want entered the News-Tribune cup race
so he was sold to Minne-^hus far which does not indicate that
there will be a scarcity of semi-pro
A . baseball this summer.
UVOI
larger
VOLUME
BAKING
POWDER
FINfcR
texture
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Robertson, Ruby. Brenham Banner-Press (Brenham, Tex.), Vol. 44, No. 62, Ed. 1 Wednesday, June 8, 1927, newspaper, June 8, 1927; Brenham, Texas. (https://texashistory.unt.edu/ark:/67531/metapth1173190/m1/3/: accessed July 18, 2024), University of North Texas Libraries, The Portal to Texas History, https://texashistory.unt.edu; crediting Nancy Carol Roberts Memorial Library.