THURSDAY, NOTEMBER 8,1958 (ARK.)" COURIER WEWi FAQB Three Big Questions Stand In Way of Disaster Insurance By JAMES MARLOW AuocUled Presi New* Analyst WASHINGTON (AP) Some kind of insurance against disasters — at least against floods like these which followed the visit of Hurricane Diane — may come out of Congress in 1956. , But before Congress approve: such protection, it will have to cut Its w«y through three question: which are now very tangled: What kind of disaster insurance? How much insurance for any one individual? And who handles it? This week the S=nate Banking Committee has been holding hearings to find out what government officials propose. None of them has provided a specif'- plan yet. They promise to have one by the time Congress returns in January. There is no flood insurance available in this country now, although this fact seemed once again to have been lost sight of until the floods broke loose in New England last August when Diane let the enormous rains loose. As a result of those floods 179 persons were killed, 6,992 were injured. 813 homes were destroyed, and the damage amounted to more than 450 million dollars. Nature of Problem One of the reasons for the lack of flood insurance, it seems, is the scattered, but nevertheless limited, nature of -the problem. The only ones who would want or need it v.ould be those living near streams or river which might boll over. People living on high ground in the area wouldn't need it. Just because that type of Insurance would be limited, the price of It would be high If private companies handled It, perhaps out of reach of those who needed it. Then there Is the problem ol occurrence that a private company would have to consider: How often would a stream or river be expected to overflow as a result of natural phenomenon, like extraordinarily heavy rains? Say it was figure- 1 that on River AAA, after » search of the records, a flood could be expected on an average of every SO years. That might seem like a good insurance risk. Might Wreck Company But suppose River, AAA flooded three times in 150 years — still sticking to the average of one flood every 50 years — but those three floods came In 1866, again in 1957, and the third time in 1958. The three floods, bunched together like that, might wreck a company. But how then can flood insurance be provided? At the hearings there were two proposals offered although they may not be Die ones finally decided upon by Congress. One would have the government do the insuring; the other would guarantee the losses of private insurance companies over a certain amount. It seemed agreed that no one and no business firm, could get any amount of insurance he wanted. Sen. Lehman (D-NY), who presided at the hearings, talked of a possible limit of $300,000 per company. Then there was another question: Should the insurance covii' not only a man's home but his furniture and other personal belongings, too? The sentiment at the hearings leaned toward coverage for real property, not personal possessions. But should the Insurance cover only homes and business buildings and the merchandise and equipment in those buildings? Or should it cover other things, like a farmer's crops, those still in the field and those already in storage? One of the toughest problems for the flood victims — in facing the future — is in paying the mortgage s'Ml owed on the house which was swept away. Congress will also have to consider that, too. President Eisenhower has assured N 7 ew England governors his administration is determined "to arsis', the states and people of the Northeast in developing adequate prr'ection- against future flood and hurricane losses." But any insurance program ap- pro"ed by Congress—even though, prrl-nps, It is limited to floods — would cover the whole country. WILSON COURT — Homecoming queen and maids chosen by the Wilson Bulldogs, are (top center) Queen Janet Hale, senior; seated clockwise around the group from the queen are Jennie Wren, senior maid; Donna Lynch, sophomore maid: Shirley Chism, flower front center) freshman maid; Jane Chandler, junior maid; Virginia Lynch, senior maid. Integration Just Dictionary Work to Oklahoma Children OKLAHOMA CITY (Pi— Integration Is just a big word in the dictionary for children of a half dozen races and nationalities at the Lincoln Grade School. The youngsters who frolic on the playground and walk arm-in-arm through the corridors apparently have shown no interest in the historic end th'is fall of segregation. The school was one of those de- Busted Britches Brings Law Suit SANTA FE, N. M. tfl — In this corner, ladles and gentlemen, is petite, blonde Capitol secretary Geraldine Beers, needle and thread in hand. In that corner is Bureau of Revenue Attorney Louis Lujan, a pair of torn trousers in hand. Lujan is seconded by Asst. Atty. en. Walter Kegal, acting as a private lawyer. Geraldine is seconded by her womanly prerogative to stand firm. And that's the setting tor the case of the busted britches. It began when Lujan was walking j along a Capitol sidewalk one day recently and snagged his suit on the broken door handle of Geraldine's parted auto. He asked resti- | tution. Geraldine stood pat. He i called in Kegal who suggested Ger- I alriine pay S75 and mentioned court ! action as a possible alternative. Geraldine says she's wield a needle and thread to patch the punctured pants but that's all. Lujan declined comment, saying he considered it a private matter which he had turned over to Kegal. segregating last month and Mrs. Nina Birkhead, the principal, said she was "almost disappointed" at the smoothness of integration. ''I had expected surely there would be a number of problems to work out." she commented today. - The school has 45 Negro children among its 500 pupils. There are nearly 50 Indian and Mexican children, 3 German-born youngsters, 3 from the Philippines and one whose mother was a Japanese war bride. Mrs. Birkhead said the Negro children have brought sunny spirits to the school. Original Lincoln School students, she said, "just opened up their arms and took everybody in." The children's acceptance of integration has been reflected in the school's parent teacher association. Five Negro mothers attended the first meeting and one was named hospitality chairman. Uncashed Checks Not Satisfactory MIAMI, Pla. (4V-The government filed suit against 33-year-old Edwin L. Wade of West Palm Beach to recover money allegedly paid through error for family allowances. The government said Wade was discharged from the Army in December. 1945, but the family allowance payments continued to his wife Ruth through November, 1947. The amount of the overpayment was pjaced at $2.760. Yesterday Wade emptied the contents of a paper sack on the desK. of J. Edward Worton, assistant U. S atorney. "What's that for?" Worton asked "These are the checks you've been suing over," Wade said. "We've never cashed them. They've just been laying around the rouse." Worton said Wade still owes the government $60. Read Courier News Classified Ads, A U. S. bituminous coal miner produces as much coa 1 in two days as a Japanese miner does in 30 Whales Litter Florida Beach MELBOURE, Pla. IB—The beach 11 miles south of Melbourne was no place to go swimming today. It was littered with 53 small whales weighing from 100 pounds to about a ton. The mammals, known as pilot whales or blackfish, came ashore yesterday. One of the calves was placed back in the water four times but refused to stay there. The leader of the school apparently was a 14-foot bull. Pilot whales usually travel in schools and follow the largest male even when he leads them,ashore. They are known to migrate from Greenland and the Norwegian coast to the Cape of Good Hope and are believed to go ashore because they dislike warm water. LEVEE TAXES NOW DUE! WILL BE IN Blyfheville, through Nov. 19 At Courthouse Mail Your Check with Exchange or Money Order without Exchange Together with Your Tax Statement To: Emily P. Trammel, Collector BOX S58, WILSON $AVING$ OIL CO. FALL FESTIVAL SALE BEAUTIFUL SARAN PLASTIC SEAT COVERS Tailored to Fit Your Cor . . . Bright N*w Colon and D«ign» . ... Fr*« Installation. $9.95 BIGGEST DOLLAR BARGAIN EVER OFFERED Beautiful Ladies' Moccasins pr. $1.00 6-Pc. Screwdriver Set with Bracket $1.00 Men's High Quality Sox 5 pairs $1.00 A REAL TIRE BARGAIN Our Famous Safety-Master REGULAR $14.95 SIZE 6:00 x 16 SALE PRICE $995 S Ail OTHER SIZES ALSO GMATIY RfOUCEO $AVING$ OIL CO. PICKARD'S GROCERY & MARKET Nationally Advertised & Fancy Groceries The Finest in Halloween Pumpkins Nationally Advertised & Fancy Groceries 2-2043 Call In We Deliver Come In 1044 Chick Farm Prices Continue Decline LITTLE ROCK M — A 1.8 per cent decline In Arkansas farm prices for the month ending Oct. 15 was reported Tuesday by the Federal-State Crop Reporting Service. Commodities showing a price decline were cotton, feed grains and hay, meat animals, and poultry and eggs. Increases were shown by food (rains and dairy products. Manslaughter Charge Filed NEWPORT, Ark. (jfl—A charge of voluntary manslaughter has been filed against Urbit Jewell of Newport in connection with the death Oct. 20 of W. H. (Pete) Helms, also of Newport, a 74-year-old retired farmer. A prosecutor's information accuses Jewell of striking Helms with his fist on Oct. 15, causing injuries which contributed to Helms' death. Preliminary hearing has been set for Nov. 9. JAUNTY CHEW — This sport coupe Is one of the 19 new Chevrolets which will go on display at Sullivan-Nelson here tomorrow. The car's manu- facturer Is pointing to the new, sturdier frontal design of the auto in its 1956 version. 406 W. Main Phone 3-4591 More for Your Money With Wards New Long-Life Guarantees Wards Winter King passenger batteries with longer guarantees give you mor« top performance at th» same low price, the same high quality. Choose from batteries that sell $7 to $ 15 less than other brondi. FOR STEADY DERIVING POWER Wards Standard with 100 amp. hr. capacity, I |95* 45 plates, plastic separators, rubber case. I I BUILT FOR HEAVY-DUTY WEAR Wards Heavy Service, 1 15 amp. hr. capacity, I C 45* 51 plates, flberglas separators, rubber case. I ij PEAK POWER AND PERFORMANCE Wards Super Power, 125 amp. hr. capacity, IQ45* S7 platM, rubber separators, plastic cas*. 17 *PLU$ YOUR OLD BATTERY Ward's Finest Tube-Type Rayon Tire Now Only... 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