Various

“ Moreover, there can be but little motive to make a false division; for to successfully compete for business, a company having large investments has as much need to show a high net rate of interest earned as a low rate of insurance expense. Again, it is not my purpose to pass judgment on the economy or extravagance of any ratio of expense shown in the table. It is not a fact exhibited for the first time by my figures, that the ratios of some companies are more than double those of others. ”

“ Expense which is not ascribed to insurance must be ascribed to investment, and as in comparing any two companies, their two ratios of one kind or the other must be equated, to decide the question of economy between them, it may well be left to any company to say what the fair division of its own expenses is. ”

“ It is true that the advantage or benefit of insurance does not consist in adding anything to the wealth of a company, but only consists in drawing from the premiums paid into its treasury by the policy holders generally, to meet each death claim which arises; or can only be called an advantage of distribution, or process of collecting aid from the living members, to assist the representatives or dependents of the deceased ones; but it is not the less on this account an advantage worth same expense in securing. ”

“ Lightning discharges do not take place between cloud and earth only, but also, and perhaps more frequently, between too oppositely charged clouds. We then get atmospheric lightning, the flash often extending for miles. This form of lightning is harmless, and in all probability what we see is only a reflection of the discharge. The oft-told tale of the lightning flying in at the window, across the room, and out of the door, or up the chimney, is all moonshine, and before dealing with lightning protectors I intend to expose some of the fallacies concerning lightning. ”

“ If a vessel containing water be electrified, and the water allowed to escape drop by drop, electricity will escape with each drop, and the vessel will soon be discharged.
We regard it as an established fact that the earth has always a greater or less charge; whence it is safe to assume that in the process of evaporation which is going on all over the surface of the globe, more particularly in equatorial regions, every particle of water, as it rises into the air, carries with it its portion, however minute that portion may be, of the earth's electric charge. ”

“ The economy of the expense of any transaction, or work, can only be intelligently judged by the value of the result. This truth is too well recognized to need illustration, and it only needs to be called to mind, to perceive both the error of ratios of expense based on premium, which is not the result but the raw material, so to speak, of insurance transactions ”

“ There is not, I suppose, in the mind of any intelligent man at the present day a doubt as to the electrical origin of a lightning flash. The questions to be considered are rather whence comes the electricity, and in what way is the thunderstorm brought about. In attempting to answer these questions, sight must not be lost of the fact that the very nature of electricity is in itself almost sufficient to baffle any effort put forth to ascertain from lightning, as such, its whence and its whither. ”

“ It must not, however, be supposed that diminished atmospheric pressure was the chief cause of the improvement in health, as its concomitants, viz., a diminution in the quantity of oxygen and moisture contained in each cubic foot of air, probably the low temperature, with a total change in the daily habits of life, have assisted in the beneficial results. The diminution in the quantity of air, and consequently of oxygen, taken in at each breath is to a certain extent counterbalanced by an increased frequency and depth of the respirations, and a greater capacity of the chest. ”

“ The effects of temperature on man do not depend so much on the mean for the day, month, or year, as on the extremes, as, when the days are hot and the nights comparatively cool, the energy of the system becomes partially restored, so that a residence near the sea, or in the vicinity of high mountains, in hot climates is, other things being equal, less enervating than in the plains, as the night air is generally cooler. ”

“ Our knowledge seems rather to point to the substances upon which the charges are collected. The self-repellent nature of electricity compels it to manifest itself at the more prominent parts of the surface, the level being forsaken for the point. The tension of the charge, or its tendency to fly off, is proportionately increased. And if at a given moment the tension attains a certain intensity, the discharge follows, emanating from the surface which offers the greatest facilities for escape. ”

“ The distance to which injurious gases and suspended or dissolved organic matters may travel through a porous soil is sometimes considerable, as I have known it pass for 130 feet along a disused drain, and above 30 feet through loose soil.
Winds exercise a great effect on health both directly and indirectly. Directly, by promoting evaporation from the skin, and abstracting heat from the body in proportion to their dryness and rapidity of motion. Their indirect action is more important, as the temperature and pressure of the air depend to a great extent on their direction. ”

“ Interest realized by the investment of premium while it is in the keeping of a company is an advantage; in every sense so, since it comes wholly from outside sources, and accrues proportionally to all members; it may be called, as above, the investment advantage, and of course justifies some expense to secure it. ”

“ If, then, a cloud has a charge, and there is no other cloud above or near it, the charge induces on the adjacent earth surface electricity of the opposite kind. Thus, assuming the cloud to be charged with positive electricity, the subjacent earth will be in the negative state. The two electricities [3] exert a strong tendency to combine or to produce neutrality, whence there is a species of stress applied to the intervening air. Possibly the cloud will be drawn bodily toward the earth more or less rapidly, according as the charge is great or small. ”

“ On the other hand, no better evidence is needed of the importance of establishing a uniform and demonstrably sound basis, than the fact that it is common for companies to refute one another's claims to superior economy, and totally confuse the public, by opposing ratios found in one way by ratios found in another—that one of two companies which appears the most economical according to one test being apparently the least so according to another. ”

“ In cold climates the amount of moisture and of the effete matters given off from the lungs in the expired air is much greater than in hot climates, and the body is also cooled by the evaporation of water in the form of aqueous vapor. Moist air is a better conductor of heat than dry air, which accounts for much of the discomfort felt in winter when a thaw takes place as compared with the feeling of elasticity when the air is dry. In cold weather, therefore, moist air cools down the skin and lungs more rapidly than dry air, and colds consequently result. ”

“ A great deal too much attention is paid to the barometer if we regard it as indicating only, as it really does, variations in the weight of the column of air pressing upon our bodies, because, except at considerable elevations, where the barometer is always much lower than at sea level, these variations produce but little effect on health. At considerable elevations the diminished pressure frequently causes a great feeling of malaise, giddiness, loss of strength, palpitation, and even nausea ”

“ There has recently been a little discussion in these pages on the subject of lightning, some having stated that they discerned the discharge to take place upward—that is, from the earth toward the cloud. I will not venture so far as to say whether or not the direction of the discharge is discernible; possibly the flash may sometimes be long enough to enable one to tell; but I have never so seen it, and have always looked upon the eye as a deceitful member—very. "The lightning flash itself never lasts more than 1/100000 of a second." ”

“ Rapid changes of temperature in this country are often very injurious to the young and old, causing diarrhœa and derangements of the liver when great heat occurs, and inflammatory diseases of the lungs, colds, etc., when the air becomes suddenly colder, even in summer.
The direct influence of rain on man is not very marked in this country, except by giving moisture to the air by evaporation from the ground and from vegetable life, and by altering the level of ground water. ”

“ If, by favor of divine Providence, this breakwater, which presents absolutely plane surfaces to the shock and pressure of the waves, is not broken to fragments in the first tempest, it will certainly acquit itself of the role for which the inventor destined it. When we have a system of resistance to the sea, anchored and facing a certain direction, and consequently not being able to revolve around its axis as vessels do, care must be taken not to give it entire surfaces. ”

“ On the other hand, man has existed and taken exercise in the interior of Australia when the thermometer showed a temperature of 120 degrees Fahrenheit, or nearly 90 degrees above freezing point, so that he can live and be in fairly good health within a range of nearly 200 degrees Fahrenheit.
The effects of a high temperature vary very much according to the amount of moisture in the air, as when the air is nearly saturated in hot climates, or even in summer in our own, more or less languor and malaise are felt, with great indisposition to bodily labor. ”

“ The accumulated heat is thereby retained in the fire-box; and the steam even rises in pressure, from the action of the accumulated heat alone. As soon as the train reaches the bottom of the incline and steam is again required, the first thing done is to uncover the chimney top; then the steam is turned on to the spray injector, and next a small quantity of petroleum is admitted, but without opening the ash-pan doors, a small fire being rendered possible by the entrance of air around the spray injector, as well as by possible leakage past the ash-pan doors. ”

“ The great capacity of water for absorbing heat renders it one of the most useful of all substances for lowering the temperature; and it is readily apparent that, by the means described, heat may be abstracted from the body almost ad libitum, and the temperature may thus be controlled with a rapidity and a degree of certainty which cannot be approached by any other method. ”

“ The rotation of the earth is in itself sufficient to generate small currents, and the fact that they vary in strength at regular periods of the day and of the year enforces the suggestion that the sun exerts considerable electrical influence on the earth. Letting it be granted, however, that the earth is variously charged, how comes it that the air is also charged, and with electricity of greater tension than that of the earth itself? ”

“ Power is transmitted from the hoisting and mill-wheel shafts by two and four ropes, the same as with the pumping rig. The amount of work done, or of water used, has not been carefully determined; judging from the indicator cards taken from the old steam-engines, the managers of the Idaho believe that an efficiency of fully 80 per cent. of the theoretic power of the water is obtained on the main driving-shafts of the machinery. The substitution of water for steam-power has resulted in a large saving of expense. ”

“ Many people are often and unnecessarily frightened during a thunderstorm, but it may be safely predicted that a person under a roof is infinitely safer than one who is standing alone on level ground, and making himself a prominence inviting a discharge. Rain almost invariably accompanies the discharge, and the roof and sides of the house being wet, they form a more or less perfect channel of escape should a flash strike the building.—Knowledge. ”

“ It was pointed out by Sir W. Grove that if the extremities of a piece of platinum wire be placed in a candle flame, one at the bottom and the other near the top, an electric current will flow through the wire, indicating the presence of electricity. If an electrified body be heated, the electricity escapes more rapidly as the temperature rises. If a vessel of water be electrified, and the water then converted into steam, the electric charge will be rapidly dissipated. ”