‘ insulation, sag. . ,_ I” ‘ ingicileffi‘otn the headacheiindigeb ‘ - lion. nervousness, billousness, due to . constipation. I if «your doctor .mp0 m City of Norwalk A city that might well boast of its . achievements and progress is Norwnllt, _ it is the oldest section of the town ‘und its developmcni. has been very no- . tlccahio. Silica its incorporation as u ‘ oily. and. in fact, while it was even .yet a borough. it took a tile which still exists and which stimuiatcu its . further advancement, Perhaps (lilo. of the chief features which has helped . Norwnlk in its progress is its location. ‘ ‘With a Waterway right to the hcurt ot‘ the city. its ucsrncss to the metropolis “and its proximity to other centers ‘ ’within the state. it has at hand ovary need for its ilcvciopmcnt. The people ' of the city have been progressive. and it. is to their offoi‘ts that its present position among the cities of the state . is duo. ' ‘ The city is one which anyone desir- ous of securing a home in a well-built- up commercial and industrial section might choose. Although the city lies considerably in a valley. the avenues , and streets extend far on the hills which surround it on nearly all sides. The city possesses'many of the fine spots which are known throughout the state for their beauty. The Groon‘has been called by some visitors the pret- tiest spot in the state, while West avenue. with its over-spreading aims, its broad lawns, and fine residences in not to be surpassed anywhere around. Radiating from this beautiful avenue are streets lined with residences that for attractiveness and convenience are equalled by few and surpassed by none in the state. The city is controlled by a govern- ment of the people and their every need and want for the past ten years or more has been carefully considered. The executives and officers have been weii-choscn men. fitted to take up and do in a manner which became them. the duties ofithoir respective omccs. As memorials to those officials lasting improvements have been made in the city. and they are of such a nature that they will be recognized by the outside connnunitics and taken as examples by what are yet undeveloped districts, The city has good service both on v‘ the railroad and the street car line. it ’is on the New York. Now Haven and Hartford and the i’liistlci‘d Railroads. and many trains stop daily to accom- modate the commuters to and from the city. The trolley service has been greatly battered of late and is now commundable. The city‘s cantor is the terminus of the trolley lines of the town. From here also cars leave for a neighbor (fly—4lridgeportwthc soc- ond largest in the state. it posscsses what is recognised as one of the fittest sewerage systems in the country. .This trunk system was laid in 1887 and noVer has there been ~a bit of trouble experienced with it. Last spring its main street. the thor- oughfare of all ant‘omibiilsts passing to other places. was paved with brick and is now the finest piece of roadway that oculd be desired. A new water plant costing 070.000 has been built and the supply of pure water is abund- ant. Summing up generally what the City of Norwalk has. it might be said that there to all that could be deolrod. The location in fright, the industrial ore prooporouo an every move tends for the betterment of the section. The paoplo take pride in the city so their home and are every day increasing its growth by bringing in outaidoro to live. its outlook from the present con- ditions is bright, and with time the wollooptonted pooplo will have devol- .. oped o community to rock with any other onywhcro. ~- , . A very protty way to motto o potti- ooot ruffle to to [at about twonty yards of two-inch loco inoortloh. cut it into twenty-inch otri . our-bond two to- oothon. odd n th rd strip and on! down ~ . for oiovon inoboo. thon inoort o thri- o of oil-over ombroidory or wool: . oil Tbioa coo omldibo six inohoo wido at its o and nluo inchoo big; , ,_ Whoa oil. tho trinnoloo oro iotnod. mt will be a very ohopoiy do 7 . Finioh off tho bottom wt o “cutout-vim: uthorod loco odoo r ”4» .. ‘ . "Pun: willows; m contagion: rimmiub‘iwm” common ' ; , otin‘r ficw‘oro. ammonia; for Mo ' . t ' " . uniform doll o 2 arts? Then seek thisarovai without new . ‘Miiiifli’lli mom ' approves. why notpiuse Ayev’s . J. 0. ”"10”” ' illil int liltilSHlililiili Wrote More Ordinary Business in ma Than ‘Any Other Company by Twenty Millions of unusual interest in view of crit- icisms which have in the part frequent- ly been motto of socaiiod “industrial insurance." is the recent report of the Honorable William H. l'iotchklsu. Superintendent of insurance of New York. Superintendent Hotchkiss’ craps inors have in the last sixteen months made an‘exhaustive investigation of the Metropolitan Life insurance Com- pan-y. and the report embodies their conclusions. ‘ ' incidentally. the report brings out other interesting information regard- lag the Company. it will probably come as a surprise to malty of our read. are that the Moti'dpolitau is not only, the loading Company in industrial in. surance. but that during the last year it wrote practically $150,000,000 ordin~ ary insurance. the maximum permit- ted by the New York law. For 9. Com pany that has been known in the 0381 primarily an an industrial Company, this is a remarkable showing. if busi- ness written in foreign countries other than Canada be excluded, the‘ Metro— politan wrote $20,000,000 more. ()rdln. ary insurance than its nearest cam pctitor. There are at present over 8700.000000 Ordinary insurance in force, and. including Industrial insur» ance, over $2,215,000.000. in fact the (‘ompuuy was compelled to stop lssu~ lug policies for which application was madc during the last days of the your in order to keep within the law. Mildly spanking, thc report is dccid. cdly commcndatory. In an impartial and judicial manner, Superintendent limchhiss expresses his profound con viction that industrial insurance as practiced by the Metropolitan has had the wolfnro of the policy holders in mind. and that the odiccrs of tho com- panyhavc bent every effort to cheap- ou the cost of such insurancc to re- duco iapscs, and in gouaral to safe, guard at cvory turn the intercom of their upwards of seven millions of no ilcy holders. The superintendent. writes admiriugiy of the reduction and. management expense of nearly 7 pct. cent. andin the lapse rate of approxi- mately 10 per cent. Toraeiy stated. Mr. Hotchkisa shows that insurance for thor'mnssoo is given practically ot cost. and that the dividends to stock» holders. limited by the hy-lnwn of the company to 0140.000. were insixulfi- cant when compared with annual pro- mium rocoipto of 070.000.000. Under separate headings. Buporln tendcnt Hotchkioo diocumo othnii im- portant topics. such no compensation to ogonto, payment of claims. bonuo distributions and concooolono. Nothing more clearly indicatoo tho ohoroctor of tho sorvico which tho company ronc doro to its policy holdoro than tho un- odornod ototomont that of the total claims proopntod for paymont. only one-quarter of ono por cont. woo ro looted; that tho company will volun- tarily roturn to policy-holdup in 1011 our [5.100.000 in cosh bonuooo. look- in; 0 total of our 085,000,000 than rotunod. without. our obligation of any kind on tho port of tho caution? to do 00. ' l Summon-icing his conclusions. bupon intondont Hotchhloo. oxplooooo hint boliof um looming morons- with: canton parish commit splinters; lo own-or Imp-last m can. out not ‘o‘uoh‘ any so ilono “in, tho m. in all, _ hour». mound not nuts to no , sumo oubh‘o‘bul‘ddov Woiooo‘ nudity " Mm. M_wr m liquor-u of“ ohmic lo- Ilr. W m io- uuouio‘t tonal-conic" in: no blood; out! human «mmtmmw- imiw' furnlohod new by pi'lvoto carport»- . mbonlaillfotin timid. u Evening weddings. once the “correct thing, but for some yours having givon place to the day-time ceremony. are now in vogue again, Thcsu give op- portunity for charming wedding dan- cers, for which the guests are becom- ingiy attired. 'i‘hroo ruloa given by a prominent physician for those troubled with in. digestion are its folipws: Eat slowly enough. oat often onough (that in. eat’ a small quantity frequently rather than to let meal-time go by and then out ravcnously) and drink plenty of water. Little boys when very tiny wear the cumming, short-sleeved, low-necked dresses Just like their sisters, but as soon as they arrive at an age when they assert their masculinity in any degree. their suits assume the charac- ter appropriate to the dignity of the male. Long sleeves are imperative and blouses have narrow standing col. lar 0r wide turn-down. Workers who are planningr the col- orod embroidered waists or frocks for summer will do well to remember that a single color is better than many for an elaborate pattern. leaving ouch dc- signs as bordersxjabots and collar and cuff sets for development in the insb‘ ionablc and pleasing Bulgarian. Among all the receptacles for grow. ing Runs the hanging basket of brass is one. that apimals to all through its agreeable contrast. with the grccncry and its clcauliucss. The bandcau iirrunucincnt for littic girls having a perky rosctio ovor eith- cr car is usually a very becoming ouc. though small girls-hare as dio- tips: on individuality so their elders and their style needs to be studied so carefully. Altar embroidery requires treatment cnlirely different from any other kind. being designed to show up cffcctlvcly at a distance of. any. two or three hundred feet. it is a critical trial of skill and should be otemptod Only by nocdlowoman of long experience or the result is sure to be disappointing, A soft linon tbwol is the proper agent for drying the hair otter a sham- Doo and after it bu been freed from as much moisture no poulblo by plou- tag botwoon the bonds. A Turkish towel icnvoo the hair full of portlcioo of tint and should not be uood. Hoplo sour put throuxh tho food chopper. oprcod on olicoo of brood and oprinkiod with chopped nut moon. mm oondwichoo that are wholooomo and owofllinrfov tho children. Do not boom loco thou o day old for mortncuo or for asylum in which tho whiboo oro Iooicod vory silk and frothy. ‘i‘hono to nothing ouito oo nttmttvo in drool no to hovo oil tho littio M owioo motel: or harmonica For In- mohaoooiowoorinxnwhito flock trimmod with cont. tho ring with morbiuootooo should boom to no of coral com» or arbor pint lino. too poodoot or brooch ohooll stop so in tumour. norm on on“ ,1wltb‘tilok bouts. it to on auto tombo- ‘ that loo Bulimia-u much so in iiimmV “hunt on 7“, so The New York Insurance Department has for about fifteen month. After this THOROUGHNESS.-“It is “taught that no Com- pany of this character under the supchIslon of any Insur- ance Department in the United States has over been so thoroughly examined by such a Department.” summon CLAIMS.~“The claims received ‘ averaged from 600 to 800.com worlds; day; the per- centago of rejections is small, being in 1909 less than oneohaif of one per cent.” . CAREFUL INVESTMENTS.~“On an investment «$100,000,000 in real ostatcmort'guos this Caraway now holdl‘ through foreclosure but one piece of really.” and woo obliged to hold back hundreds of thousands of dollars of insurance by reason of the New York statute I limiting amount in any one year. . ' ‘r‘ MORAL: Got in only this your and avoid-tho rush at the end. Best plans;cheopest raincoat! policies non- portici liar-5th” is, the money is not collected on promise of repayment in dividends.‘but its left; in the pockets ‘ of the named by reduction ofprc'mium. _ ‘ ‘ ., ' fi 3 . INDUSTRIAL DEPARTMENT; .c. ow comma—4i. bonus has been declared to saw poucmsrsnie benefits Ion policies issued Industrial policy-holders amounting to nearly V since Industry 1, 1907, are over i ‘i f . . . SIX MILLIO‘NS 01“ DOLLARS TWENTY PER CENT. RREATER‘ .9 yobloinioiionWholo Wound . Life and U y- . Endowmont policloo looped prior to 1907. which bonusco ‘33“ a” ”mm“ W by Wfimfl ”mm" gammmgmmm mains. “W ‘° ”'1“ In the last eighteen years n his declared EIGHT TO ONE HUNDRED PER CENT. TWENTY-FIVE MILLIOPE DOLLARS Tho Company added not one dollar to surplus at in voluntary bonuses over and chord all requirements the end of 1910 out of income from Industrial policies. of policies. ' .1 ' V. i x u". ‘ I WELFARE WORK FOR POLICY-HOLDERS Extracts from the Report of the Superintondent of Insurance of the State 01%de York. “No summary of this exuninotlon of the Metropolitan “NURSING SYSTEM.~About Ho years .go this ‘ Life Insurance Company would be complete which omitted Company inaugurated a system whereby trained nurses rotorencoito cumin agencies for social service which it would, upon request. *b'o sent to tho homes of sick or u boomed and to now conducting." . bedridden tiny-holders in in In ' c. ~ J‘CAMPAIGN AGAINST TUBERCULOSIS.- Among the activities of thin Company since tho Armstrong investigation is its participation In the nation- wide crusade against tuberculosis. As to policy-holders, in work has thus for been confined to the dissemination of the literature of prevention and instruction; a work which its (root Agency force and close contact with the industrial clooooo mokoo cosy. on well on odoctivo. As I motto: of more buoinooo economics, the Company’s activ- ities in this dirocdon entitle it to the approval of the Dopuunont." ' ”13.988.334.00 285.246.250.36 Aoooto. . Mobil!!!“- Mr. J. V. Whelan. Assistant .. 95 Washington St... South Nor-walk, Conn. any. i no unit a on t-uu. ooouooo . or runs on humor-m My , wovo mo assoc. . was: pootor «on com mm wunmo'ros. Avril ammo lollow Homopoduotooffoloood huvo Hill to hollovod to ho onto or “ammonia-immun- umioonoot to upon:- and noon: to volition» tho piooo . . I ,, w , or NEW“ YORK . JOHN R. HEGEMAN. President INSURANCE SUPERINTENDENT’S,, had the Company under examinafiomfpursuant'to law, examination the Superintendent of Insurance said: . liability its dividends and bonuses for 19 lo,about $800,000; ORDINARY .DEPARTMENT ‘ In 1910 the Company wrote a larder amount of Ordinary business in the Unltcd States and Canada than any other company. . In 1.910 the Company placed Ordinary Insuranpo up to the Limit «t - LARGEST COMPANY IN THE WORLD its total will If ism in fun of any ileum ll Mould—82.215.851.308. touting "Humiliation. ll1910MMMMMMMiIimmillmolmmylumm. “Mono innovation-v. [up you" Minoan to ThoOonnoctiontonlculbn-oi Got-i git. ..wm , ». - voodoo Wampum tmiloy‘ lino. nou- . , initiating. mm will too ' ”3' iii brOBT INDUSTRIAL POLICIES AT 905140;; this ' basis this Company, from all of its doparhncnts, added to its surplus in 1909, after setting aside in that year as a in other words, the volume of its business beingconsidored, seem to have furnicbad insuronco substantially at cost.” PROGRESSIVE MANAGEMENT.—~The Depart- ment Report shows duringtho lost liveiyom: - . Reduction in ratio of expenscto pronoun} lucomo. . 7.13‘7 Reduction in the ratio of lapse to issue .......... 10.36% Reduction of cancellations, first year ofinoutance . . 8.92% . ’gi’l’li. by TWENTY MILLIONS: it‘i v of the Law Ifi . Deportmon . . . While is service has been but recently established, and while, therefore. the examiners orowin some doubt . us to its ultimato effectiveness either from the standpoint of saving the lives of policy-holders or minimizing un- healthy conditions. no one can monument invoc- tigoh'on into what has already been done-without being profoundly imp-cased with, not only the economic, but, more, the bonoflcent value of the work. Numerous cocoa whore lives have been saved are already 011 record. Many instances showing improvement in home conditions duo to tho violin of the nursoo ore known.” Paid to Policrholdon and Hold for Their Socority. $605,394,913 o‘. no at ~._...—.... .....-...m....._............- V m __‘ armorial». an... April _. bill by go bolero tho w. looioloturo at once providing WOHMMWV . WW” '9’“!- ’3' ”obi iloyoy comm. whi orhrtho Now York. Now ” rd railroad row. . i, oo'out’tno' um ‘ logo in cooperation with tho Guam, than Pomoloolool Sooloty. will mo o domonouotlon in pruning and owing nodoctod opplo moo in tho orchard of I. A. Omltilt'o 80M. Ohoohlro. Odom. OI 'i‘riilov. All!“ M. '1‘!» work will ho in prom-o oil day and crimp. loinvitodtoboprooont. lithowoothn or to onfoitorohl >tho mooring will in hold «on» p ‘ totem following. Tho dmith dorm lo ontho blown» .gi. mo! or no mo: ‘ anon
Norwalk Chronicler