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Show Mqiou? of Ahmony Debtors m Ludlow Street Jail To- m day. Better Surroundings, but the Principle the X Same. Actor Theodore Roberts in Centre. C- Tj Jfce Interesting Philan- J fwthropic Plan to Reduce HiMcitrimonial Risks by Jsk I Insuring Bridegrooms JP WAgdinst Alimony and nrnrtn M Brides Against Desertion's w Financial Pangs mWVf HBSPKEAD recognition In wBl Christian countries o the 'Mmt clement of chance in mar-wimW mar-wimW &as CTeated tae Gaw that 4innr-5(j 4innr-5(j Sjgc is a gamble." Human frailty, yk K6WamPlnS of e sense of propor-M propor-M JBoand of foresight by the love vl-tMtions, vl-tMtions, unforeseen complications, JMd menace the matrimonial hark. 16 ' "X to act conceded tnat no lottery jKr offered ingenuous patrons a ':rkter risk. Witness the manifold-win manifold-win Ingenious and philanthropic jlflkn for lessening the risk in this avoSeatcst of human relationships has " -iflt&d the incubation stage in New lgfo'M? fot that a Solomon has arisen ' enough to guarantee that love H Inst, nor to propound a formula Mi the blending of human oil and j jgBiier. That problem still haf fles the )!mmi But an organization has heen 'JfMfBBpletwl to make the hurt of sun-jti'iyMring sun-jti'iyMring the ties -less. It proposes to oper you, on your wedding day or Toe-to.wjb, Toe-to.wjb, an immunity policy. It will , g1 your marriage gamble less by iHRtlf gambling on the risk. . MHpt enables a man as he leads his f Uwhing bride to the altar to reflect 'ifortably that if things don't turn ffijjjjtt right he has behind him a con-?j3Mpi con-?j3Mpi which will keep him from going TB 11 r not paying his alimony; ''V the happy bride can he happier , JgjHifte conviction that if he doesn't " right the same concern will 4$Rrtde her with the sinews of war tlitfti06 him regret it and also pro-IBfJ pro-IBfJ her with the alimony he won't pHfBf? e cUoQ tliat such a pr0' nRS la destructive of true romance ffl!?it promoters answer that It is ro-jffpce ro-jffpce that puts the mar in marriage ' P4that it Is the plain intention of JWWeplan to substitute a little useful gtjBtines foresight. the objection that it is immoral 1 BfBj&Bt it affords protection against v'aiHjrtAui consequences of breaking the iBnIsge vow, and so, in theory, en-!Prages en-!Prages such violations, the promo-ijHwpolnt promo-ijHwpolnt to similar insurance taken JHJ? Physicians, dentists and auto-BPwHsts. auto-BPwHsts. The doctor will take out ,JBPllcy which insures him against J?m financial consequences of mal-raBftftlce mal-raBftftlce or carelessness, even to the itmr! of a, patient; the dentist takes :mW insurance against the consc- SsEkL08"1 pf nullinS the wrong tooth, CTMrfotog 'the jaw or infecting the fB; ' tlle ftUtomobllist in the same tokes out insurance that puts ij'jjW8-0 of the thing when he smashes wther machine or runs over a pe-BT111 pe-BT111 upon the Insuring company. ifcMai are acknowledged and "le-tf'K-fi10" risks. It might be urged dctor's and dentist's policy , premium on inefficiency and jJFPlttlty In that if either knew that fBjSes must come out of their own l&:e they would be more careful. .SMmi tte automobilist would not drive fKjKfc'essly if he knew that dnm-ould dnm-ould come out of his pocket JKii? 0f tne rich companies'. So ralhnony insurance men point out 9JF,,aPe at least, in well-known, if jaistlnginshed companv. Besides, JMJJW, anything which will keep a JW Irom the criminal absurdity of tH-T In 7irison because he can't pay jtMmrf' or help along a poor ahan-aK?t ahan-aK?t ifc has much better morals LLvhaQ thc 01 tue Profes jK" en and nutoists. "fwermore, whatever profits ac mA it!jc concorn will not be used MK. JJvIends, as In the case of the IKgranoe companies. They will be instead, to promote uniform BC Stat latIon t:hrou5nout jBgJ Minibeau U Towns, the dia-BKi dia-BKi a New York attorney, Js the KiQeJ of the relief measure, which iEL to l,e,n at tlle tlme thc iBJB"nie and romantic actor, Con-P Con-P dearie, was cast into Ludlow Vvv.8'1, tbnfc "cw York dungeon gntors and matrimonial delin- .fc!! men who have married and aE,.c?, sympathized with Mr. tKij: ' ir. Towns, who has Km lt0 hair- a luxuriant beard K T'or of snow, Dashing dark eyes rHN(Lv R'fL of Poetic imagery-Mhlre imagery-Mhlre a11 men oC high standing HK&eL anfl 5n tic Professions or p"8- One is rated as thc owner of eight millions. They proposed to help Mr. Tearle and others like him. Realizing that a man might spend all his life in jnil because be-cause the law permits him to be rearrested again and again for non-payment of all- mony, while in jail we MJ planned his relief. How Mi i waB it done? It was Ml If very simple. Each of Mi fp the five men contrlb- M M uted 800. Out of the M $4,000 thus collected Ml ?$?! they paid the paltry Ml f&Mi $400, which represented $ Mr. Tearle's failure to ml f'ffi'ifc pay his wife a stipend O A;(4 of 525 a week for four -M months." ff To the Ludlow Street ( Bastlle for Husbands, f?t :.' "'' where Mr. Tearle was -M ' not languishing his $ -v"4 specialty is not lan- & $$fu guishing, but champing his bit and saying rude , :VJ and profane things j , about the Jaws of New v-',-.t York went Mr. Towns on his errand of mercy. fe V . " "Come, my boy," said fe V?'- the lawyer. "Come wf with me. Tou are free." rayl Picturesque language, XtX Yp freely punctuated, bit- vA V?i ter, staccato speech av burst from the hand- some prisoner. With ;rr.m on high and wav-ing wav-ing fist he bade Mr. Towns desisL He advised ad-vised the attorney to choose less dangerous objects for his jokes. "My boy," began the lawyer when the actor stopped, "you are free. The newly organized Lloyds for Domestic Derelicts has paid the alimony. You will sign this note promising to repay re-pay the money In three months at six per cent and flee .from these clanging gates joyously as ever bird flew to you mountain." Back went Mr. Tearle to Mrs. Tearle the second formerly the charming Roberta Menges, known as the "Pearl of Shccpshead Bay5' the cause and reward of his troubles with the first. The promoters then went into executive ex-ecutive session, drew up articles of incorporation, and these have notv been passed upon and been O. K. d bv the Department at Albany. '"But we have another and higher purpose than alimony immunization iu founding this organlaztion," fiaid Mr. Towns. " A part of the surplus will be applied to the establishment of universal divorce laws legislation and to the abolition of Imprisonment for debt. . , , "Divorce laws of New York and several other -States are in a most chaotic condition. By a decision rendered ren-dered Inst week by Justice Samuel W Greenbaum, a man who has been married for twenty years to bis second sec-ond wife may illogltimatize their children' and cast her off on thc plea that his second marriage was null. It is unfair that the marriage contracted con-tracted in Connecticut should have no standing in this State and that thc wife in that second marriage should be without social or legal standing in another Slate- The abuses accruing from lack of. uniform uni-form divorce laws in this country cry out to heaven. . "Now York is branded with a iur-ther iur-ther shame thc existence of Impris-onment Impris-onment for debt. In but one other State may n man be arrested for debt. And Delaware is an archaic State, for it still has the whipping- "We are already at work in Albany upon a bill for the abolition of the Ludlow Street Jail shame. I have here a message from an official In Albany who says: 'There will be no-trouble no-trouble at all to secure the repeal or. the Ludlow Street Jail act for alimony ali-mony provided you act promptly. 1 am sure it will go through at once. When the organization has done that work in New York It tvUI try to extend ex-tend its humanity-aiding agencies to other States. If the Ludlow Street Jail and the cruelty it represents are abolished, half of Lloyd's object foi oxlBtencc will be gone. That accom- Mr. To py' r- Mm iWsXp plished, we can eave men the embarrassment embar-rassment and ignominy of owing bnck alimony, which is as bitter to tfhe spirit as the durance in Ludlow is oppressive to the body. "Look at some of the pictures by Hogarth of the horrors of imprisonment imprison-ment for debt In his time. The surroundings sur-roundings are not so bad to-day, but it is still the same horror in its essence." "What of contributory negligence?" si representative of this newspaper asked Mr. Towns. "You mean?" "If a man has an insurance on his automobile he mny be less careful of it If he have an accident insurance he may be less careful of his person. If he has Insured hLs houBe or his furniture he may toss burning matches about. If he has an alimony insurance he may" "Nonsense," said Mr. Towns. "If a watchman in a bank knows how much wealth he is guarding he may be tempted to steal it. But has It ever occurred to you to give human nature the benefit of the doubt? Why think the worse of people? Think the best of them. They will rise to it. "'Be noble, and the nobleness that lies in others, Bleeping, but not dead, will rise to meet your own. "The husband will pay weekly what wo deem he Is able to pay. He may jnuko no more reservations with the Domestic Derelicts Association than he did with the Government when he filled tbe Income tax blanks. If the weekly wage is ten dollars or less, we anight require him to pay ten cents a week or less. If the salary be seventy-five dollars a week, he might be expected to pay seventy-five cents a week or less. The amount he and '.Lloyds' would have to arrange. ar-range. Thc amount of the premium fixed, he has only to keep it up. Tbcn, in case the matrimonial ship strikes the rooks, his wife will smile, even though bitterly, and on his own visage may be seen a reflection of that smile, for he won't have to go to jail If he falls into arrears In alimony. ali-mony. . Laura Bigger, a Famous Phase in the Matrimonial Troubles of Dr. Charles Hendricks, Who Will Be the Next Alimony Ali-mony Beneficiary. "On the other hand, if she belongs to the association she will not be distressed, by her inability to employ a counsel to force her husband to -pny or go to jail. At the sftme time she will be paid reasonable alimony. Mrs. Menges-Corwin-Hill, the "Belle of Sheepshead Bay," Who by Becoming Mrs. Tearle No. 2, Made Actor Tearle the First Beneficiary of the "Lloyd's Matrimonial Derelicts." That is the privilege of the female member of "Lloyds.' "Why do we call it 'Lloyds?' Twill tell you. They will Insure a Bhlp ten days overdue. We are as courageous cour-ageous as they. We insure matrimonial matri-monial barks. Lloyds, of London, will insure lost jewelry, a cork leg or a flesh one, a tenor voice, the life ter.i of a frock, or a scalp from baldness. bald-ness. We will insure lost happiness." happi-ness." "But suppose a wife and a husband both insure and then the marriage goes to smash?" "We will be just to both," said Mr. Towns. "It's Just the situation we want to create like two negatives making a positive." Mr. Tearle was thc first beneficiary of the organization. Two others are about to feel its beneficence. The first is Theodore Roberts, the well-known well-known actor, who recently for a debt' to his wife, from whom the courts had granted separation, endured thc gyves for six months and Is liable to be flung Into jail again for the same offense if he dares i,o step upon the soil of Manhattan Isle. The other is Dr. Charles M Hendricks, who in R; ymond Street Jail, Brooklyn, sits ii. Achilles-like wrath' thinking reminiscent rem-iniscent thoughts, including Miss Lnura Biggar. Dr. Hendricks says he reads by the stars that he would remain in jail for another hundred years but for the mercy of "Lloyds." and "Lloyds" is Inclined to be merciful, merci-ful, even though Dr. Hendricks has been adjudged his wife's debtor to thc amount of 60,000. In the enforced en-forced calm of Raymond Street Jail the doctor has been permitting the milk of human kindness, curdled in his bosom, to do out to thp world in the form of bitter epigrams againafi women, love and marriage. 1 r. The Horrors of the Debtor's Hp Prison in Hogarth's Time. A H Scene of His "Rake's Pro- gress." IfflL |