Estherville Daily News from Estherville, Iowa on February 8, 1972 · Page 4
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Estherville Daily News from Estherville, Iowa · Page 4

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Estherville, Iowa
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Tuesday, February 8, 1972
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Page 4
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Business Mirror ESTHERVILLE DAILY NEWS, TUES., FEB. 8, 1972 Page 4 Resurrect Your Insurance Policy Familiar Landmarks By JOHN CUNNIFF (AP) Business Analyst NEW YORK(AP)— Thousands of Americans may be needlessly paying high insurance rates because they adhere to the custom of putting their policies away in a safe-deposit vault, never to be looked at in years. Forty years ago, for example, some Americans were "rated up" to higher annual premiums because they wore underweight. It was the midst of the Great Depression and many people had poor diets. Chances are high that the skinny young man or woman of 1932 has gained considerable poundage since. But, because the insured or the agent forgot, the high premium may still continue. The situation today is likely to be reversed. "Obesity is the big disease today," sayd Dr. Kenneth Brandon, Aetna Life & Casualty. But will those who diet away the fat forget to get their premiums reduced? It's likely. Insurance today Is often written on lives that once may have been considered uninsurable. In fact, says Brandon, only 2.4 per cent of all applicants at his company are turned down. "Anybody still living can be insured if he is willing to pay the premium," says Brandon. Charges could be reduced on many rated policies if the agent seeks reconsideration, which usually Is offered after one, two, three, five or ten years. A 40-year-old man in good health is able to buy a standard term policy for $6.61 a thousand. "We expect he will live 32 UttWto AILY NEWS By Hal Boyle Well, Marry the Girl NEW YORK (AP) As every husband comes to realize, no man knows & woman until he marries her. Even then, as the slow years mutter their way to eternity, he is never really certain he comprehends her nature fully. He is sure, however, of certain changes in her. For example, when they first met she loved to go on lone walks with him, and she'd halftrot at his side for miles without wearying. Today she couldn't even walk down the altar with him again without yelling for a taxi. During their courtship, she ransaqked the cookbooks to find new recipes to try on him, and he'd put on an apron and help do the dishes. But it has been years now since he has done anything in the kitchen, and he complains that her cuisine specialty is "four-day hash." "You tell me who you want for president," she said in earlier years, "and I'll vote for him. I don't know anything about politics." What happened? Well, she thinks now that -she-knows—every- —— thing about politics. Whoever her husband is for, she votes against-and insists on giving reasons. He told her he didn't want any children for fear that having them might hurt her. She said that no,, they, must have two children-to be named Jack and Jill. She ended up having five children. Marriage, she told him firmly before the the small society ceremony, mustn't be the end of her career. She wanted to "be somebody" and make the most of her talents. Her talent, it turned out, was cheerleading. For the last 25 years she has been trying to pep talk him into working harder and making more money. There was a time when she prided herself on washing her own tresses and making her own dresses. Now her annual bills for coiffure and clothes would pay for a paint job on the Statue of Liberty. But she stills shows up for breakfast looking as if she had spent the night whirling around in a laundry machine. Wasn't she gay and lovely, the day they came backfrom their honeymoon and raced up three flights of stairs to their IV2- room one nest in the slums? Oh, well, don't all such days pass? Now she mopes because the cathedral living room in their 10-room house in the suburbs looks so gauche. Their quarrels once were as brief and impromptu as summer storms, he recalls wistfully, and were followed immediately by loving and laughing. But now, he feels, "she starts jabbing at me on Friday night and is still at it on Monday morning." They are weekend horrors. She was so hopeful and cheerful as they took the first steps on their long path together. Now she has decided that her future has become her past. Dumbly her husband wonders what he did wrong to make things turn out this way. Nothing at all. The girl of his dreams merely married him. Time, the chief villain of our lives, did the rest. By THE ASSOCIATED PRESS Today is Tuesday, Feb. 8, the 39th day of 1972. There are 327 days left in the year. Today's highlight in history: On this date in 1904, the Japanese besieged Port Arthur in Manchuria. It by Brickman TALK: A3OI}T NUisAhi^e TAxes A-s F TH^& W&f?& <2TVl£f2 Kltfpe- <8. Wothintton Slor SyndlcoU, Inc. 2-0 ?>$\cY-t+hrtJ was the beginning of the Russo-Japanese War. On this date: In,1578, Mary Queen of Scots was beheaded after 'being accused of plotting the •murder: of England's'Queen Elizabeth L In 1910, the Boy Scouts of America was organized in Washington. In 1940, during World War II, the Nazis shot every tenth person in two Polish villages near Warsaw, in reprisal for the deaths of two German soldiers. In 1955, Soviet Premier Georgi Malen- kov resigned and was succeeded by Marshal Nikilai A. Bulganin. Ten years age. Argentina broke off diplomatic relations with the Castro government in Cuba. Five years ago: New York Congressman Adam Clayton Powell refused on constitutional grounds to answer questions from a House committee considering his qualifications to serve in Congress. One year ago: South Vietnamese troops pushed into Laos in a drive to cut an enemy supply trail. HI AND LOIS HEY/HOW LONG ARE YOU 6UYS eo\H6 TO SIT THERE?/ ARCHIE BEETLE BAILEY more years or that half his group will be alive at the end of 32 years," Brandon says. The expectation of death in the next year is only 3.53 per thousand. If he has hypertension, however, he might be rated up to 200 per cent of expected mortality, the probability of death would be 7 in one thousand, and he would have to pay $6.65 on top of the regular $6.61 rate. Hypertension is correctable, however. The insured goes'on a diet. He takes medication. His blood pressure returns to normal, and so, one year later he asks for a review of his case. It is entirely possible that as much as 35 per cent of the extra premium might be eliminated in one year. On a $20,000 policy that would mean a saving of $46.55. On an ordinary life policy, which is more expensive, the saving would be proportionately larger. Good agents generally are aware of their responsibilities, but sometimes they and the individual are negligent. Families move and lose contact with the agent. Agents die. And sometimes the facts are buried in company files. Those people paying extra premiums because of being rated underweight 40 years ago actually are discovered in the files from time to time. And despite computers, formerly obese policyholders likely will be paying extra rates 40 years from now. f Iff ,. -Is Where Are You? This building is so well known we can't give any hints. The identification will se.nted on this page tomorrow. be pre- Paul Harvey Machines Make Us Monkeys GM is testing a digital computer intended to prevent a drunk driver from starting his car. Honda has developed a steering-wheel sensor that sniffs your breath before it'll turn you loose. Volkswagen has a computer that will diagnose and prescribe for most mechanical malfunctions. If computers are to do what our brains used to, how long before human brains atrophy? Might machines make monkeys of us— again? - — The computer people have now successfully automated enough heretofore human functions that we have to assume there's more to come. . A talking computer is nearlng completion at Stanford. In the control room of my broadcasting studio is a panel of lights and tapes and relays performing technical functions beyond my understanding; all I know is that there's now no need for humans at our transmitter. But here's a military man hollering beware! W. Sidney Taylor, 15 years senior management analyst for our Air Force, says we're putting too many eggs in the computer basket. He says the machines are turning us into a nation of lamebrains. He says hold on— don't depend for de• cisiona on the much-vaunted objectivity of the computer. He says that historic night at Trenton if the pros and cons had been considered and the decision made by a computer— George Washington would never have crossed the Delaware. A computer analysis of the odds— of an army in leaky rowboatsjn a snowstorm in a river of drifting-^fce— the^ mission U"""" uiiiimm iiimiii •„,,) „„ iiiiiiiiimiiiiiiii iniiiii ,cn IIIIIIIU An independent newspaper published "Monday through Friday," except principal holidays, excluding February 22 and All Y KIPXA/Q Veterans Day. Second class postage paid " ,LI rMCWD at Estherville, Iowa. Published by the Estherville Daily News, Division of Mid-America Publishing Corp., 10 N. 7th St., Estherville, Iowa 51334. Subscription rates-. City of Estherville, Armstrong, Ringsted, T e r r i 1, Graettinger and Superior, delivered by carrier, 60 cents per week; $7.80 for 3 months, $15.60 for 6 months, $29.70 year. By mail in Emmet and bordering counties: $14.00 year, Zones 1-8, $19.50 year. Fred E. Williams, Publisher; Stan Brotherton, Managing Editor; Richard Myers, Advertising Director; Gladys Streiff, Business Manager; Donald Stoffel, Production Manager; Randy Shierk, Shopper Manager. Member of Associated Press, Iowa Daily Press Association, Iowa Press Association. Photos submitted to this newspaper will not be returned by mail. However, they may be picked up at the Daily News Office. • hiiniiiiiiiiiiiiiiiiiiiiiiiiiiiMiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiHiiiiiiiiiiiiiiHiuiiiiiiiiMiiiiiiiiiiiiiiin would certainly have been vetoed—and perhaps our nation would have been stillborn. Mr. Taylor says the automobile withered our ability to walk; reliance on the computer threatens to dominish our ability to think. He says the trend now in government and industry is to base decisions on the logic of mathematics, whereas the historic leadership decisions are sometimes based more on daring— on novelty. •Mr. Taylor was the Pentagon- project officer for a $2 billion "aircraft and missile evaluation program." Relying heavily on computers, our Pentagon got a bum steer. There was no way the computer could compute the factors of "human will,'^ "illogical human feelings," "spiritual considerations" and^her facttirs which have again proved the jet fighter plane superior to tactical missiles. In industry, he says, both GE and RCA were misled by computers into, of all things, the computer business. Now^joth have backed out, at a cost of lost millions. Mr. Taylor concedes that computers can steer us to the moon but insists they are incompetent of value judgments. Important decisions are not digital, but analog. That is to say they require more than knowledge—"wisdom." Letters to the editor are welcome. They should be brief, legible, written on one side of the paper, and include signature, address. All letters are subject to condensation. "It seems like only yesterday that I was sewing a Den 42 patch on your cub scout uniform." dSwal?" giVC glftS f ° r dep ° SitS ' ma ' m -NOT with- Esther Maid Grade A Dairy Products S^Z,

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