"INVESTMENT (ESTABLISAED a on, snt--Sir Richard Cartwrigh, y loaned on City and Municipal and County Hae rchased _-- and Interest. allowes. DePosia McGill, Managing Director 97 Clarence Street, Kingston, A -------------- Murray, Auctioneer 27 BROCK ST. Carriages, Cutters, Harness, ' for sale. of Horses Every Saturday ig @ for un discharges, inflam -- irritations' oy Hn, 6, mRCOL mi n and EEVARSONEMICALDD. wont or het -- OINCINNAT, Sold by : G8. A or sent in plain wre Dy exprers, prepaid 1.00, OF 3 bottles 2 A or bo loa >O000TO-C0000000000q J. FREE, CONTRACTOR atimates given for all kind son Work, Plastering i) ment Work of all descriptions, Division St. "Phone 402 § HER OF CHINA PAINTING 'ER-COLORS AND OILS, .uj m kiln to fire, Materials for China rs sold. China mended to stand r water. Hand Painted China for Miss M. M. Brophy, 59 Wellington J --------_---- 9, ! 's Cotton Root The only safe effectual month) medicine on which women ny depend. Sold in two degrees of strenwth--No. 1, for ordinary cases, $1 per box: No. 2, 10 de of grees stronger for Specia! y Cases, §3 per . Sold by alt druggists. Ask for Cook's Cob ton Root Compound ; take 5o A substitute. ook Medicine Coa. A OLEAN SWEEP --OF ALL INTER G00DS --ON----- ATURDAY! pring goods piling in: on us Windsor, Ontarig, , all sides and we haven't 1 for them. Here go some m snaps : dies' Flannelette Wrappers, ty patterns in assorted sizes, line, on sale, 69¢c. 0 yards Striped Flanuclette in t and dark shades, wide th, 9c. and. 10c. quality, on 6ic. a yard. 0 yards Flannelette, in. nar- er widths. Saturday morn. jc. a yard. ) dozen Children's = Heavy bed all Wool Hose, wear like , on Sale; special at 15c. to a pair, and worth 20c. to ., according to size. 'dozen Plain White Toques, Children, fine quality, 35c . 40c. line to clear, 29c., an- er line at 25c., in assorted TS. EE! FREE! tao much Ugiderwear e have Men in stock, taking up valu 2 space, and on Saturday pur- e getting rid of the lot, with ry suit of Underwear sold on Ahrday, we will give free 1 pair Men's extra good Braces. All )ds marked in plain figures EWMAN & SHAW Go 6 04 0eeh CUT THIS ouT ¢ GOUPON- 3 The 18 Letters Must Accom= pany Answer. STANDS FOR INTEREST 0 GASH TRADING HERE SE0000 000064 rr ---------------------------- ir. Add Mrs. Stanley. Morden, Hil celebrated their ina wedding. the 12th, about seventy guests were sent, ve - VAEW AND WOMER. AEW AND WOMER, -- ON CIVC_ INSURANCE| D. A. GIVENS WRITES THE| WHIG A LETTER. geems to Think There Has Been Juggling With Insurance Rates , An Exhaustive Sufvey of the Matter. : Kingston, Jan. 18.--(To the Edit- or): Your issue of the 16th contains an interyiew with C. W. Wright, agent of the Union surance company, in which; "1 suppose, he is correctly re- orted, In this statement Mr. Wright Noses as a breaker of combines, and a cRampion- of the vights of the public. NAw, Mr. Wright knew when he made thAremarks with which he is credited, that he was talking buncombe, that he was Stating what isnot true, So as. to make clear what' I have to say, Tet me explain briefly, just what the condition of affairs is in- the. msurance world, The insurance companies now doing business in Canada may be divided fito what are called tavifi add non-tarifi companies. The tariff companies are the great English - ; companies, © such as the Alliance, Rogal, Scottish, Queen, Union, ete. The non-tarifi companies are the smaller companies, principally nadian, such as the Equity, Anglo, 'Merchants, ete. 'The tariff companies have arranged a fixed schedule of rates, which they have agreed to maintain: The mon-tarifi companies can make vates to suit themselves in- dividually. Now, I am not going to discuss the legality of the arrange- ment by which the tariff compunies maintain fixed rates, as that has no- | thing to fo with the question at is sue: nor do I intend to express opinion as to whether these too high or 'not. In regard 'to the latter point I shall simply quote from an article which appeared in the Montreal Star, and leave to readers 'to judge whether the rates arc exorbitant. The Star said : "Wholesale: merchants, manufactur ers and others who carry heavy line of fire insurance comme--atarmthe-statement--which--th fire insurance companies are now pre senting, regarding their business i 1904. Out of the entire list of Cana American insurance the present, there is not one which does not show + the Canadian 'manager of the Union is * not to he blamed for want of faith: he dian, British and reports available up to an actual los€ npon the business writ ten in Canada, during the past year, Exceptional Dress Goods 'Bargains Saturday 54 inch. Cream Lustre--49c. Cream Sicilian Lustre, guaranteed unshrinkable and Waists, Shirt Waist Suits and Long Fine 54 in. wide washable, very desirable for Coat Suits. When you want it badly gularly worth--T75c. Saturday only 42 inch. Cream Lustre-- 39c. silk finished Lustre, unshrinkable, for W. Saturday weasisy asnseen Messistnanenanion 38 ' 50 inch. Cream Serg=--89c. Heavy quality Irish Serge in Cream, only fg Fine quality Waist Suits, worth--350c. aad unshrinkable, for Ladi worth--$1.25 yard. Satu 40 inch. Pure Wool Serge. Cream- 39c. Good heavy quality, all pure wool, worth in the regular . way -- 30 per yard. Saturday 42 inch. Extra Heavy Cream Serge--49c. Heavy Twill All-wool Serges. regular--T5c. Saturday Cream Cashmere, Cream Crepe de Chene, Cream Broadcloth, Cream Albatross, Cream Barretz Cloth, Cream Nun's Cloth and Cream ~ gy. Eolienne. 54 inch. Halifax Light Tweeds--75c. Some very. striking things in Light Colored Tweeds in Plain and inch. wide and worth $1 a yard. Fancy Checks, 50 and 54 see its this nian ara vs 0 OBC Satiirday. per yard cash The James Johnston Store or The rates are your | are viewing with i and "ig wand' eases actually over twice the total amount: of the cash recived far premiums, during the same period. "For instance, the Alliance, which is very generally understood to be one of the most * earefnl and conservative as regards the class of risks admitted upon it® hooks, experienced a net loss of $307.42 jor every hundred' dollars of insurance placed, while the losses of the Scottish Union and National, aggregated 8517.000. The total of premiunis received was £301,000, the percanitage of losses to premiums be mg 171.67. . "Below abe given a few of the chisf companies with the net losses incur- red ih Canada during the vear 1904, together with the peréentage of losses this Joss was incurrdd -to preminms. Net Percent of losses losses to Company. incurred premiums. British America § f23 97.64 Quebec 142,000 Mercantile 114,000 Alliance 553,000 Caledonian 374.000 Londén and Lan. 414,000 Northern . 555,000 Riyal 1,369,000 Home 426,000 Aetng 204.000 Ins. Co. of N. A. o "Of the entire list available, the best statement, as regards the percentage of losses ineurred to the premiums paid, iz the Phoenix, of London. this heing 77.67. In none of the ahve, however, are abe expenses reckoned, so that in the case of even the Phoenis. of London, an actual loss on the business done is shown, for the AVOTRge PXpenses in comparison with the premiums is about 30.00." As a result of enormous losses, suf fered both in 1908 and 190M the tarifi i their rates on | companies advanced business risks, hut not on dwellings. rates on the city buildines and other property of the corporation of Kingston, were accordingly advanced. and this gave the Union the opportun- _ lity of which it took advantage. Let me say here that the Union isa : | tarifi company, and its management and, all its agents, Mr. Wright includ- ed, are pledged not to eat under the 3 | tariff rates. Consequently, Mr. Wright tand the Union, in nocepting the civie a business fordess © than the other com , panies demanded, deliberately broke a | fuith with those "ther comnanies, and | methods as far as their fellow-compan- : jes and was misled by the Kingston agent it will be what it is re es Suits, rday for Suits, Coats, ete., 42 inches wid Mr. Wi tht, who Lelberately misre: Present ed him to take the course he did. Let [ got the civic business bv dishonorable agents were concerned. But aists and Shirt 50 inches wide, pure wool Children's Coats, etc., and 89: THE DAILY WH 1G, FRIDAY JANUARY 19. the facts to him, and induc me explain. In 1904, a committee of the city council was appointed to"go into the matter of civic insurance. This com- nfittee at first decided to divide it among nine tariff agents, giving ¥5,000 ta each. The city elerk then wrote to the Canadian Fire Underwriters' Asso- sigtion, asking for rates. This associ ation instead of lowering 'the rates as was expected, increased 1 bly The civic committee then decided to give the insurance to non-tariff companies, and instructed the city clerk 'to get rates from thom. The clerk wrote to the head. "offices of the different non-tarifi "ompanics for this purpose, and got replies from some of them. I want vour readers specially to notice that the clerk did not communicate with any non-tariff agent here in regard to insurance. He wrote divect to the head office of the non-tariff companies. And this is where Mr. Wright's chance came in. He wrote to his manager, in Mont- real, and told him that certain of the tariff agents, representing non-tarifi companies, which they are supposed not to represent, had bid for the civie insurance at lower rates than the tariff companies would offer. This was wn- true. No tarifi agent had offered to take the civie' business at less than tarifi rates. Mr. Morrissey. Canadian | ¥ manager of the Union, one of the X chrowdest und ablest insurance men fh 1 America, immediately telegraphed Mr. Wright to meet any cut made by a tariff agent, and Mr. Wright at dice took the businese at the old rates. You: will see from this statement that "when 'Mr. Wright says 'he and the Union were trying to Break the eom- bine, he does mot state the truth. His reasons for ettting rates was, not do break the combine, but to meet 'the rates which, he says; other tariff ag- ent' wore offering. in non-tariff com- |" panies. As 1 Rave already stated, that was also untrie, as no tarifi ag- ent 'had offered to cat rates. He, there" fore, obtained 'the consent of eae} ager; to 'cut rates, by deliberately de- ceiving him, lading 'him to" take. a false position. He now - adds another falsshoott by saying he did this to break thé: combine, when' he knows that the Union 'Assurance company, is | a member of the combine, and has never tried to got out of it. His offer of lower rates was purely selfish in its motive, and" dishonbst in its' method. In other words, in one breath, he says other tariff agents were cutting rates, '| and thus breaking the combine, and he bid against them, because they were doing so, while in the next breath he says he cut the rates himself, in order to break the combine, and give cheap insurance to the eity, and the public generally. To state it another way---- he would not have cut rates, if other agents: had not started in doing so wo of him. His desire is plain. He wants to square himself both with the public and with his- manager and the Canadian Fire Underwriters' Associa tion; and in order to do so he tried to deceive both sides. To the latter he says he cut rates because others were 49. doing so; to the former he savs he cut rates to break the combine. On the one hand he blames other agents: for cutting rates, and thus breaking the combine; while on the other he claims credit for having done that very thing himself. Of course, the city council were per fectly right in accepting Mr. Wright's offer of lower rates. Now, it is a dif- ferent matter. Mr. Wright holds the position of inspector of licenses for the city of Kingston, and is paid a fair salary for the same. This salary is practically paid him by the citi sens, as the license fees paid by the hotel men go into the fund out of which his salury comes. It is, theve- fore manifestly unjust for Mr. Wright e | to ask for any civic insurance. As an 49: office-holder he is not entitled to "it. cease i There are other' insurance agents in the city, and heavy taxpayers at that, who ought to get this insur- ance business, Mr. Wright has no claim to any share of it. 1 believe it is against public policy for Mr. Wright to solicit 'any insurance in Kingston, 0 long as he is license inspector. Fhe work of soliciting fire insurance must necessarily conflict in many ¢ases with the proper performance of hig duties as license inspector. He dertaink canno¥ enforce the law with strictness where he is under any obligation for insurance from hotelkeepers or their 180 WELLINGTON STREET. friends. The attention of the govern- ment should at once be called to this aspect of the case. ' Extra Specials for Saturday Best Bargains Ever Offered 8 Children's Fancy Overcoats. Regular price $5. Saturday's price $2.95. 12 Children's Fancy Overcoats. Regular price $6. Will be sold Saturday at $3.75. 15 Boys' Overcoats, sizes 26 to 31. sell on Saturday, your choice, for $3.15. 18 Boys' Overcoats, sizes 29 to 32. Your choice on Saturday $4 65 and $5 25. Also Big Reductions on Men's Overcoat On the above lines we stand to lose a little but we consider we might bettzr d) this then carry them over to next seison. 35 dozen Ties, Shie'd Krots Regular 25¢. to 5)¢. Four-in-Hands. or 2 for 25c¢. 39¢. per pair. --r 7 dozeas Men's Duck Working S ea-h. Saturday price 33c. each or 2 for 75¢. Boys' Corduroy Knickers, ages 4 to 13. ONEY & CO, 127 Princess St. Regular price $4 50, $5 and $6. Will Regular price $7, $7.50, $8 and $8.50. (for double-old Collars), Puffs, Ascots and Will be cleared on Saturday at 15¢c. each, hirts, assorted patterns. Regular 5o¢ Regular 75¢. Saturday's price 0 a fixed falary from and should not come in competition with citizens living out of, insurance, That kind of competition Is unfair. ! 'the fact that iY Mr. of the office, never dared attempt any |. other business. Once he did soheit awn- ders for the Globe mewspaper, but he was soon told to stop this business, | f he wished to hold his position as icense inspector, Mr, Wright has now, ¢ the government who are making their na T Ini st bese ne The Huion ras ab fuse heen @ fc ed tied for 'second place. lo an t . wd I heli wi - for 4 A bill has been introduced in the whole matter was, elev, relied X irginia legislature making football to the head office of the Union in London, England. There, after getting all the evidence, it was decided that the Canadian 'manager and the Ning- | ton agent had done wrong in acting as they had done, and they were or dered to eamcel the risk. The whole thing was 'conceived in iniquity, and the head office in England would not stand for it. If the action of the ('an- adian representatives had heen right they would have been sustained hy the 'head: office in: London, That it wat not considered right is hown by they have been turned a down, No one, 1 think, © will accuse me of being unfair to any man, and it is not to injure Mr. Wright that 1 have | written this letter; it is simply to ex pote a fraud which he is trying to work off on the innocent public, Mr, Wright has Leen attempting the dang- erous equestrian performance of rid- ing two horses at the same timé, one foot on each, and has had a very dis | agreeable fall. Tt may teach him that, after all. honesty is the hest policy. Now, if Mr. Wright thinks he has heen iniured by anvthing T have said in | this letter he has his remedy. 1 have | the documents in my possession which i prove the truth of what 1 have stated, jand TI shall Be pleased to produce them when needed.--D. A. GIVENS, Unsightly Poles. Kingstor, Jam 18.--(To the Edit or) : Maury /ilises mre heard com plaining as ta the unsightly poles be ing reared about town. (On street, in particular, 1 have noted the ones being used. They are oll ones with the appearance of having bea taken from elsewhere, where they long Won Poultry Prizes--Officers of the A.0.UW. Newburgh, Jan. 8=The local exhi bitors at the Napanee poultry fared pretty well. Rev. J. H. secured two firsts, two seconds amd a third on Buff Orpingtons and Black Langshans, and P. DI. Shorey secured | Let establishment {a first, a ~etond and a third on White Leghorns and Bufi- Orpingtons. A number from the village attended the ! show. | The remains of the late Adi Cran ton, who died at Bath, and the re mains of the late John Cameron, who died at Violei, were placed in the vault here on Wednesday, The remains of the late Rev. Hooper were placed in the vanlt, on Tuesday. | Mrs. Marsh, Napanee, spent Sundav at M. A. Madden's. Miss Winter, Sel by visited her brother, Thomas Win tor, last week. Mr. Gallagher has mov ed 'to the village from Strathcona. The I society meeting of the Methodist church was held on Thurs day evening. Reports of the year's work were presented after which the ladies served Ake and cofice and a very social half hour was spent At a regular meeting of Puritan Lodge, No. 312, A.O.U.W., Newhurgh, the following officers were elected : PP M.W., P. Fairbairn; M.W,, E. Gandier; foreman, G. F. Hill; overseer, T. A Dunwoody; recorder, J. J. Shorey : financier, J. W. Courtney treasurer, Pr. M. 1. Beeman; guide, J, W. Shorts; IW., James Johnston; OW, S.J Youmans; representative, Peter Fair bairn: alternate, J. J. Shorey; medical examiner, Dr. M Beeman; trustees, Petbr' Fairbairn, JJ. PT, Empey, Wesley Dawson; auditors, J. M. Thomson, Wesley Dawson, T. A. Dunwoody. J. J. Shorey spent Sanday in Peter boro. Miss Ella Chant and Miss Ale tha Paul spent Sunday in Kingston. The public libram intend giving a big concert in Finkle's Hall about the middle of February. Mrs. John Fraser, Napanee, spent Wednesday with Mrs, (G. A. Aviles worth. Mrs. Charles Knioht, Navanse, sent Wednesday with friends in the village. Harry Beeman is attending the Navanee collegiate instifute. Miss Fida Halght returned to. her home in Canifton, on Monday, her mother hav: ing been taken with stroke of paralys is on Sunday. Will Hold Fair In Belleville. Belleville, Jan. 19.--At the annual meeting of the Past Hastings Agricul tural Society, held at Thrasher's Cor ners, it was decided to hold the fair in Relleville for the next ten vears. An increased grant from the city ond incroasal. prize Hist were promised. A -------- he contracts of theSteel structural work and machinery afsghe new blast fornaces at Port - Arthur have heen let. age KEE SP LEELA A ANARGYROS. General Notes on the Sports of Brafapton's new. opened yesterday. stop 'upwards this season in the mari time provinces, Portage with Pittsburg and the Ancrican Boo S50 to R508 for each offense, Johnston | Wil be they have still a good chance to win the filled their use. Surely something a 0 x S ban WHY spite their defeat by Berlin. ote, ightly could be put up.--RESI I he Dalhousie University Rughy club --a are anxious to arrange a game with NEWBURGH NEWS the New Zs alanders, and are trying to | . gecure a suitable building in New ! York. ghow | ts confident that at the long distances Chant | he can skin and six by on "Joe ball the coming season. entrigs [Why Refer THE SPORT REVIEW. the Season. curling rink was ollege hockey has taken a decided «till leads the Inter Hockey league, Lake tional Professional crime and fixing a penalty of from BATTLING NELSON Moving Pictures, Nitht. To- in the The Toronto St. George's figure that OHA, senior championship, de One of the Canadian candidates for the Olympian contests in Greece is an Indian who lives near Quebec and who em all His mhajestyv has sixteen horses in training at Richard Marsh's Newmar for racing on the flat this year, Three are by St. Simon Persimmon. Rheumatism has taken a firm hold Corbett, the former star National league twirler, and it w feared that he will not be able to play Montreal Witness : When MeGill plays Queen's on Friday night "n "the first game of the intercolleg.ute championship, she will be represented by probably the fastest septette she has yet been able to boast, The New Brunswick Hockey league i« allowing Fredericton and Marys- ville, to take the lead. The surprise to date is the poor work'ef the St. Stephen team, usually a crack combi The St. Stephen Thistles were the forlner champions, Handball is being probable intercollegial: sport in Am erican circles, The Harvard Handball association has had a set of rules printed and is negotiating for matches with Yale, Columbia, Dart- mouth, Williams, Brown and Holy Harvard also is to have n ser ies of monthly meets wi ' : oe of y with the Boston The greatest ice nation, talked of us a college Cross, meet ever held in Canada will open in Ottawa under the auspices of the Central Canada Tee Racing association, Saturday, Febru Grd, and will close Saturday February = 10th. Over 125° have already been received, ang in some contests it may be found necessary to divide the events into two divisions, Cape Vincent Steamer. Until farther notice, steamer lave for Cape Vincent at 2 pom. will Cordlpacts have heen let for a $250,- 000 Reman Catholic cathedral at St, Joniface, Remarkable' Sa 180 Princess St. the bee. Never before has such beautiful, up-to-date, = honest 3 Been sold for'so lite money. But as the old saying goes, ' An ounce of satisfaction is worth a ton of talk," we ask you to come, look over our stock and compare values, then judge for yourself. You will find - self face to face with the greatest opportunity of Yiite- time to secure od Furs, ete. 1 rtp hen een ni. At Its' New Premises Is attracting buyers as irresistably as honey does ' Clothing, Furnishings, Dry Goods, Furs, etc, : GENUINE BARGAINS In Clothing, Dry Goods, Men's Furnishiogs, / FOR SATURDAY Th We offer the following special lines -- : C5Men's Buits, in Cheviots, Worsteds, and all the latest fabrics, hand. somely tailored, worth $15. BRAIIARY sien raarinay ssastsbrons 3850 A 2 wn TER 4 | Ladies Heavy Fleece 18 0dd Suits, Canadian Tweeds, Al] ok] make, regular price from $8 to Yesta, ilar 0c, $10. Saturday ... Siturday oo i a. UTS 95 Ladies Natural Wool Vests. lar price £1.25. 3 20 pairs ouly, regular $1.50, Heavy Freize Pants, Saturday i, Baturday iin soa $00 25 Odd Overcoats, Canadian and " Sadie and Misnen > Ham in, English Tweeds. Regular price : feom SR to 810. BE ivan sri at Sysnlienesel Qe, © SatiriY nnins inane S078 4 STAPLE LINES 28 Imported Scotch Tweed Overconts, in checks and stripes, models - of | 200 Line "aw ta'lor's art, broad padded shoul i Jinen, Buretu Covers, . Ragdlar-§ dere, 'Regular price 818, ! ; 4 4 Baturdad wu... snags 310,00 Saturday .. WE - § 2 Bare Daumiis and hig | 44 large and Heavy Honeycomb § 'oeds and orsted vercoats, ilts alight] dled). Re gular 5 Regular price $7.50. hc Hw ly sokled) Sa Saturday ... 3 Batirday (oon winnie 950 54 5 Semen eee et -- ue 30 Boys' Two -picee Suits, English Tweeds and Worsteds, . Norfolk | 333 yards. more Linen = Teacloth, io style. Regular $3.75 to, $4.50. worth 10c¢ Baturday <i ana $2.30 BE fines isngrssass 45 sasrrasntivassresanunkaprn #3 pairs English Tweed Boys' Kwick- | ox : oa? ers, 'sizes from 23 to 30. Regular 0 pan Boys Faney Elastic Braces, price Tbe. 'to $1. Yor * BRLUIAAY divisions 490, BY a Raa 5¢. Hundreds of Other ~ Bargains Will be offered on SATURDAY AND SATUR- DAY NIGHT. v Come and See Them. to Doctors Because we make medicines for them, They know all about Ayer's Cherry Pectoral, so they prescribe it for coughs, colds, bronchitis, weak lungs, consumption. They trust it. Then you can afford to trust it. Consult your doctor about it anywa . Sold 60 years. We 00 secrets! We 7.0. have the formulas of 51 our » ' &@ We cheerfully refund money on all unsatisfac- tory purchases. we ghia le ~~ The Montreal Bankrupt Stock Co., 180 Princess Street. ; = F. X. COUSINEAU, General 'Manager. hs we