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Show A BOSTON INSURANCE IDEA. There are all sorts of iusurance companies, com-panies, and it was supposed the lield of liabilities had been thoroughly covered. This supposition, however, seems to have been erroneous, as there ia now under advisement in Boston a form of practical insurance against want. It is intended for the heuelit of the working classes. It is frequently the case that a working man is iu need of employment and is reduced to such extremes that he cannot even pay for his board and lodging. The plan of providing against such an emergency is outlined by the Boston Herald . The idea is to organize a sort of mercantile company that would undertake to provide board and lodging with landlords at the rate' of H, $5 or $U a week on such terms that, after one month of regular payments, one Week's board at half pay might be placed to the credit of (ho interested party, so that if he were out of work, or sick, or otherwise disabled, ho might not be brought lo discomfort because ho could not pay his board. At this rate, in six mouths a man would be entitled en-titled to one and a half mouths' credit for board, and in one year to three months' credit for board, which, at half rates, would only cost him the price of one aud a half months' board anywhere. The Herald, in discussing the feasibility feasibil-ity of this plan of insurance, says: This plan, if it can be carried out, would be a great relief to hundreds of working people who are suddenly disabled or compelled to be idle. It would be impossible for anyone to fall rapidly in debt to such a company, and only in cases of extreme misfortune would persons be willing to surrender their insurance insur-ance of food and lodging, which would grow-larger grow-larger as the years rolled by. A company of this kind would need to have a resonable backing iu order to secure public confidence, but, though it has never been attempted, it could easily be conducted on tho basis which is common to similar undertakings. Payments would bo made to landlords the sa mo as now, and the company, after collectin g a ao per cent discount every week for a mouth, coul d afford to give one week's credit, and do business ou that basis. The credits would not bo trans-, ferable except by consent of the company of directors, aud would be dealt with by thorn iu the same manner as if they were a life insurance policy. When such a company was established Its range of restaurants or lodging and boarding houses would be such as to meet the wants of all classes of people. Tills is a system of co-operatlvo effort, but it would be a company that could accumulate capital aud increase its resources in proportion propor-tion to Its membership. It would thus bo a safe Investment for individuals, individ-uals, without involving them iu any personal responsibility beyond what their reg-ulnr reg-ulnr payments would demaud. This organization organi-zation is not yet In existence, but It is one of the first practical suggestions for self-help which has sprung out of the movement for Christian socialism In Boston, and when it is properly developed and brought into shape, it looks as If it might meet a present aud pressing press-ing need among people who are not forehanded and are not accustomed to making investments for thomselves. |