Evening Star Newspaper, May 8, 1921, Page 26

v o THE SUN MITCHELL T isn’t a matter of mere curiosity, but good busi- ness and a safeguard for the future to become ac- quainted with the Mitchell before you buy your car. 1t will satisfy you com- pletely as to style, perform- ance, construction and easy-riding qualities. It shows unusua! value for PRICES 8-Passenger Touring Car. $1350 3-Passenger Road- ster, $1350 4-Passenger Special with Collapsible Top, $1950 7-Pasxenger Touring Car, $1995 4-Passencer Coupe, 52800 5-Passenger Sedan, $2900 Prices F. O. B. fac- tory: Federal tax to be added. the money. To fail to in- clude it in making your decision may bring regret. Neumeyer Motor Co. 1823 14th St. N.W. Phone N. 7522 gton Automotive Trade Association. Territory in Maryland, Virginia and West Virginia Open to Live Dealers; Write or Wire Member Wa Barb Jhe 515 er&Ross rdware and Housefarnishing Store, 11 th.and G St= North Pole 20th Century Ice Cream Freezer Water Cooler 2-quart size, Complete with 5-gal. bottle, $ 1202 White Mountain Refrigerators The Chest With the Chill The intelligent and discriminating woman, well versed in present-day knowledge of sanitary and eco- nomic conditions and their importance in every sphere of the home, wili look beyond the rich finish, artistic design and general appeal of the exterior case. She knows that refrigeration, like the pearl, is found below the surface. up Priced at 1 3:2 SEEGE THE ORIGINAL SYPHON Refrigerator The syphon system, as developed by this High- grade Reirigerator, has proven remark: ably efficient in carrying all impurities from foods, thus keeping all sweet and wholcsome, because the syphon mere _| assists the free air circulation, based on nature’s own physical laws. A Guaranteed Refrigerator. 759 wp In <olid porcelain and white e All sizes and styles. amel and <olid oak Headquarters for TOOLS —FOR LAWN —FOR GARDEN ---Lawn Mowers --Garden Hose l---[.awn Rollers --Hedge Shears Fvervthmg that will be needed to put vour lawn or garden in periect condition is to be found in this great stock, On Sale on First Floor BY ERNEST GREENWOOD. The action of the Civitun Club of vashington, the Washington Board de and other civic organiza- protesting against the so- d Fitzgerald bill, providing for compulsory compensatigh insurance | in the District, will be commended by every thoughtful citizen, whether he be an employer or a worker. It is very evident that none of these organizations, mor the employers of the District as a whole, are opposed to compulsory compensation insur ance. As a matter of fact, it is felt by both employers and workers that the District is far behind most of the states in this form of Drogres- sive legislation. Employers through- out the country have come to realize that compensation insurance has many advantages over the old form of liability insurance. Tn every state where just and_equitable compensa- tion legislation has been passed, both employers and workers have been benefited. What the District does want, however, is a law. which will accomplish the purpose of protecting the workers and which at the same time will not only work a minimum amount of hardship on the employers, but which will be economically sound. This, it is claimed, is not true of House Bill No. 4089, which pro- vides not only for compulsory com- sation insurance, but _requircs v employer to insure in a so- called_fund under the control of the TUnited States Employes' Compensa- tion Commission. Provisions Regarded Unsound. From a standpoint of economics and good insurance procedurc the pro- visions of this bill are absolutely un- sound. Any institution established for the purpose of in financial loss from whether it be a stock 3 mutual company. a fraternal (ll‘L ization, a state fund, or any one a dozen other forms—must ba constitution on certain fundamental principles if its solvency is to be assured. It must, in the first in- stance, have a capital, either )n cash ! in some form of sound financial | It must have a surplus, must establish reserves and it must keep intact it unearncd premium: An examination of measure develops the interesting fact that it does none of these things. True, it doe - that the United State res’ Compensati m II' promulgate rates suffi- cient to pay all lo: and e {surplu esery In other word it speculates on the pro the commissioners will {available experience tabies applicable {to the District, which will enable them to fix the rates at z {high figure without chanc or that their judgment will be to the situation without the nece: of any experience. Applying !scheme to a stock company there an insurance departr insurance commissioner who would itolera the suggestion that a pany be permitted to start bus with nothing more than a promise Icharge sufficiently high premiums to {establish a fund ‘out of which they ! {could pay both iosses and Yet this is just what the Fitzgerald {bill propos | Need of Experience Statistics. Just what experience statistics the ! commissioners shall _use in fixing | these rates has not been suggested, and it is ve doubtful if the pr !moters of the bill hav given th more or less important matter a |thought. After perhaps a decade of experience in writing this c of insurance casualty companies cannot! claim that the limit of lmblll\‘) ’|"i bee 80 fixed that rates can be |promulgated with sufficient accurac {to guaran that premium rec Iwill always equal or exceed the sum | 'of losses and expen Liabi jder the compensation laws into the second generation. levent of death the widow {weekly benefits until the children in most e tare eighteen years of age. i The position of the District with 2 1 8o-called compulsory state fund | much worse than the position of an other state fund or of a private {ualty company. The area is sn | the population confined practi | the population of Washington, whic {ig not an industrial y in any sense | of the word. The volume of busiess ill be comparatively small and un s the rates are unbearably high ! the premium income will be so small as 1o be almost trivial Citex Case nx Ilustration. o illustrate, suppose the District fund should be started on the 1st of July und the commissioners collect $50,000 in premiums as of that date. It must be kept in mind that at the {outset the fund has ncither capital, tsurplus nor reserves—nothing. in but immediate expenses, to be | out of premium income, and prospective los Lxpenses start on the Ist of July, but even though the commi. on might collect {on that date tually pos ja single doll Not a_penny of the: premiu to the fund on t | date unearned premium which en paid in advanc ! Supp the 31st.day of Jul | certain : ucerued. The th of a single worker with a wife i thirty rs old and two or thre ! small childre, might entail a cor nuing liability for a period of or thirty years, which would involve a loss in the payment veekly benefits amounting to. whe luded, $15,600 or $2 the mone this single of July the twelfth, or the Fitzgerald this fund has earned one- ¢ over $4.000 of the on the 1st. Out of for example sal- the 31st for clerical help ¢ to be paid. Whatever is that the fund has to pay | Problem for Commission, What the commission going to » Is it going around to the policy- holders on the 18t of each month and collect additional premiums in the event it is found to he insolvent? And who is going to determine Whether it s solvent br not, when there is no way of determining, un- less the commissioners are omnipo- tent, what the total loss is going to be? Or are the commissioners | going to entirely disregard all proper insurance procedure and pay ex- penses and losses from any, money which they may have on hand: ir- respective of whether it has been earned or not. Suppose that the ! premiums collected in advance for | |one year are cxhausted by this method at the end of say, nine months. What becomes of the work- ers who are injured during the last three months and who are entitled | to_compensation? The experience of many insurance companics and state funds is that during the years of their ex- { intonca the loss ratlos are very high. This {8 true until the volume of busi- ness reaches a point where the ratio between premium income and loas i fairly constant. If the velume of { business should remain very small any catastrophe or abnormal loss would put the company or fund out | of husiness. Yot in the cama of the District of Columbia the volume of business will plways bs very small The one answer to the situation in that the commissioners will charge an unbearably high rate, at least Auring the first years of the existence {of the fund. Kund May Become Inmolvent. If. at any time, the fund becomes fnsolvent, the workers of the Dis- trict have no protection of any kind. Congrese {8 under no obllgation to immediately male up, without the loss of twenty-four hours, uny such prospective deficiency. In the mean- Experienced Advertisers Prefer The Star time the law has taken away from ol NDAY PROTEST OF FITZGERALD BILL | ON COMPENSATION INSURANCE Provisions of Measure, From Standpoint of Economics and Procedure. Classed as Absolutely Unsqund. STAR, WASHINGTON, D. C. MAY &, which are equally ridiculous umple, all employment is hazardous where on. sons are employe de "" " EYES ON_SLACKER LISTS. /11,000 Legion Posts to Watch for | 1921—-PART 1. lishment or p i other words. c Possible Errors. Is it the pic sidered haz: 4 m of re w May T.—F. W. Gal- § of ass S ports is pro ich will | praith e otng S e e praith, jr., national commander of thet! P cause more distross than age | Ameri Legion, said tonight thatl Arc Income A2 Lenort L the legion's 11,000 posts had been in guarantee s very doubttul it MPlOYer | ctrycted to aid the War Departmen can be found in the District Who | in reetifying any mistakes in slac theless, u would serfously: object to co publication of which BY De. Wotth o compensation insuranéionce ey - W3 derstood its benefits, not only "he American Legion,” he said, “de- employes, but to himself. ha sirous is of having names of Terms of Pay l’l-§r-<] wenuine slackers made pub even Large electrical contro more anxious to have just ne to of ou ;“"(‘\"‘\ | the men whose names are included on ut o deserter lists by e the worker his right to appeal to | give cither the «mploy !the deserter list rr j the court for the purpose of recov | plove the protection for ering damages for injuries sustained | pensation insurance is WN. and ‘the Tight of trial by jury. He u. S BANKER"S[ SON] nlli‘o“ S. s received nothing in return but arris Isc we the speculative chance that the ’ )il son of Henry Iselin, judgment of the commissioners will F'ND CERy_ANTE,S,LETTER- wn banker. residing in Par stand the strain of determi 2 Was drowned vesterday off the coast cu ately the Written But a Month Before Death proper rates and will af Brittany. A companion of young Open Every have in hand sufficient funds collect- Iselin also lost his 1 Led ed from premiums to him his of Famous Author. = zs :r:(;k:";1|l‘r)!‘;’:;;11‘:n n{l to ey !\Wf “In'-' SEVILLE., Spain, May v BEAUTIFUL VASES he even o is i | death. If the funds are not on hand | authentic letter written by - » renaissance period. i the worker and his family lose, and | tes, author of “Don Quixote,” in Madrid, «“u” that s a1l there s to it. - March 20, 1616, o littel more than | 4 s having workmen's | £ 4 . 3 compensation laws the employer has & Month before his death. been L. de Franceski three options: he can insure in the |discovered here, it was announced to- | Corner 25th and K Streets state fund, he can insure with an|day. N approved private insurance company, or if h fac he to vided the cial are stat and surplus in addition to the ital bu T ser: fur, sta The Fitzgerald of 1t compel the fun ated Un |1t leog: i bee Ti i h Doesn’t hurt a bit! “Freezono” stantly that corn etops hurting. then P R T ey gers. fulv' the ¢elebrated Consclence | Your druggist sells a tiny bottle of —well and “F, to or luses, without soreness or lrrlzut.wu_ worker_losing if | sured | company. That a good ma ments, such as head- aches, nervousness, de- pression and tion, are in some cases the direct result of eye- strain? sure relief. Liviné Room Suite and spring backs, price you would pay in stores. “order, quire UNITED UPHOLSTERY CO. he can carry his own insu he can demonstrate to the tion of the state authoriti will always be financially able pay his employes the benafit pro- by the compensation laws in event of injury or death. Duty of Private Companies. private insurance companies | ired to e: = -1 ability and integrity before th permitted to do business in the They must have their reserves - can- hegin of th s employer is in- hlished nsurance thing is true ate fund. hese funds are established, ves are created and in case d should become insolvent te_can call upon the taxp: law for the District a makes no such prov the employers fund that d except that which i out of prem collected ited State: arantees nothing is one of the best examples of islative monstrosity that s ever n constructed. here are other features of the bill RIGHTEN UP| the home with ance in hand before ess. There they is no cha in an The v of the esta re- the the “olumb so-called The Paiat and let our| You'nl{ experts execute the work. be surprised at the 1 Interior and Exterfor Work Consult 1114 ®. K. FERGUSON, INC. 31°,, | Paintirg Department. Ph. N. 231.232, —so you're buying now to better possible in many years. Did You Ever A L3 Consider $315 Tapestry, $450 Tapestry, now Three-piece Overstuffed now Overstuffed Three-piece Two-piece Overstuffed indiges- Tapestry, now Overstuffed Right glasses will in- These prices are reductions from prices already revised advantage than’s been rary Suite, in 5265 Library Library Library Special Sellmg of Library Suites We carry $385 $265 $335 and Rockers. SPE TATL. .00 SPECIAL . vening Until 8 0" and ‘maids in attendance. Kindly keep name and loeation of our office indoors or out; or on lawn or porch. a representative assortment—Suites and Separate Pieces—including Rest Chairs, Tables, Tabourets, as well as Chairs Separate Chair, What Is a Guarantee? ce of paper on wh e writte s in bus Dr. Wyeth has that to offer the publ guarantee is nd Stafl of Expert, Ve That Has Been Our Record for the ent to Suit. 1y cooled o ron _———— coyperteet | Fillings, 50c | Gold Crowns 1 Not N to $1 up and Bridge or Drop— fa wold, Work, $5.4 Other Seta of Teeth, $5.00 up. ‘| Dr. Wyeth, someth h some words g of a Never n toall patients. Careful Dentiste axt 2N Years nation Free lean at “ 00 $5.00 Fe: ck, and_on 10 A.M. to 4 P.M. Al Work ully Grand Union Tea Co. Largest Most Thoreughly Equipped Parlors Phone Main 9133, The Store of Quality We want you to know this store first of all for the quality that must be a feature of every item we admit into our stock—and then the prices will appeal for what they invariably are—lowest for standardized value. in Washington. The “Specials” for this week are many—and important—and your credit is always good here. House & Herrmann Three-picce Suite, as illustrated (without table), consisting of Arm Chair, Made of the hand-woven Chinese Grass.... Arm R Separate Rocker, of above Suite, of above Suite, Chinese Grass Furniture Wonderfully attractive and durable for summer use— strong; comfortable—and effective in roem ocker and Settee. 3300-“00 Taoth sunranteed for 20 in your mind. 427-29 7th St. N.W. Opposite Lansburgh & Bro. and o Dr. D. L. Rose 815 11th St. N.W. Phone Franklin 5156 vent 3-Piece Suites Made to your order in Tapes- ry or Velour, staffed with hair; web bottom, spring cdge $150 and Up This is about one-half the $5Cas WING CHAIRS $35 and Up Full line of Reed Furniture device. We manufacture to reproducing the style, and dimensions you re- olor 911 7th St. NW. Below Goldenkerg's Main 3419 CORNS Porch Rockrs Speclal Just as fllust rong and comfbrable. Ix.mn le enough for reugh weather; woven back, and seat. Reg- ular iprice sr 0. CIAL Conscience Brand Mattresses Drop a little on an uchlng corn, in coveyed o able grade of tlek- Ing, SPECIAL.. reezone” for a few cents, sufficient remove every hard ccrn, soft corn corn between the toes, and the cal- Swing \atural finish; slat back ; equip- hanging, so arranged as to pre- ! ’ i $400 Two-picce Overstu i ite, i Il VRlouz oW sxswnsiumsinscussassenmsshessss g N | Porch Swi : 1 Porch dwings : Swing like illustration i b TR 8 dcsign: strongly constructed. - 1 ped strong chains for danger upsetting. SPECIAL... Still a Few of the E-2 Columbia Grafonolas for. . . . . Reduced from $120 We will make special terms of E-2 has a cabinct and the non-set stop Couch Hammocks—Similar to illustration (without stand or awning). in & $4 95 *85 Alaska Star G door style: vision chambers SPECIAL . t o c SEECIATZ ..ot Lawn Benches—beginning at $1.75 Seventh and Eye Streets i House & Herrmann ' Alaska Star Grade- strongly 5145 Iron Supports...... $8.75 Striped Awnings. ..$11.75 Alaska-make Refrigerators have no real competitors enameled, nicel Needs of the Summer Season h For Lawn and Porc We select hese specialties very carefully— so that we can recommend our very for onstructive quality. fferings Swings, Scttees, Conch Hammocks, Ceda.r Chairs, etc. And they are attractively priced, too. de-icer Refrigerator, three- holding about 30 pouuds of ice; pro- They are so far superior in scientific principle and con- struction detail that we i We guaran- ture them as our leader know we can safely tee you satisfaction with any Alas- Alas- model you select of the ka make. Here are two ka special rade—Lift-top Refrigerator, as - ' C lustrated, with practical sized provision chambe Small monthly or | enimeled; nicely finished case, holding about weekly balances pounds. of dce. SPECIAL ... ... . hiniitnioneaimins y finished 33485 Cedar Chests Now’s when you will want to put the winter woolens away— and feel sure they are safe from moths and other destroyers of the warm season. A~ Cedar Chest is your protection. Cedar Chests. mounted on rol- le strong hi piete with shav- in PECIAL. . .. Attractive Cedar Chests, rein- forced with copper bandings and_trim- $ 00 ming K .unl Ke: handy etc. va for shirt Eeginning Foster Ideal Springs At New Low Prices They are the Nationally Ad- vertised Springs. You'll prob- ably find their announcement in today’s Star. It's the Spring that cannot sag — made entirely of metal. Price just RI- DUCED 10......... 5209,