THE HONGKONG TELEGRAPH,

Glorious White Teeth

+

Are Dull Teeth Freed of Dingy Film

THAT

Send Coupon for 10-Day Tube

HAT cloudy teeth, yellowish, discol- ored teeth, can be made far whiter is now an accepted fact. Foremost dentists of the world are widely urging a new method. You can have clean, pretty teeth and gums like coral if you will stark today.

To know how dazzling white your teeth really are you must combat a stained and viscous film that covers teeth. A stubborn, hard-to-remove film that old-type denti- fricca did not fight successfully.

Run your tongue across your teeth, and you can feel this film. Under it are the clear, attractive teeth you envy in others. Combat it, and your teeth become many shades whiter-more glistening.

Midday & J, DEA, QHS.

6. fiumenta Rand Dentral,

Hungrang.

The enemy of teeth and

gums

Film is the great enemy of teeth and gums; a chief cause, according to 'world's dental authorities, almost tooth and gum troubles. It clings to teeth, gets into crevices and stays. Germs by the millions breed in it. They, with tartar, are the chief cause of pyorrhea. It holds food in contact with teeth, inviting the acid that causes decay.

You can't have prettier, whiter teeth, you can't have firmer, prettier gums unless you combat that film.

Please accept test tube

To prove results, stud coupon for 10-day test or buy a tube-for sale everywhere. Do this now for your own sake.

10-Day Tube Free

I enclose 3 cents in postage stamps for 10-day trial tube of Pepsodent,

Name

Addre

City

Give full address. Write plainly. Only one tube to a family,

JOHN I

Pensed thi

Ban on modera urararel, Advised lending dentale the world! Dame, Vana will see and feel immer ulate rautte.

THORNYCROFT

THE LEADING EXPONENTS

of

& CO LIMITED.

ECONOMICAL ROAD TRANSPORT

HONGKONG OFFICE,

UNION BUILDING, 5th. Floor.

THORNYCROFT

PASSENGER OMNIBUSES

ÅND

MOTOR FREIGHT VEHICLES

Write us and our representative will call.

DEAL DIRECT.

Telephone Central 4831.

TUESDAY, OCTOBER 9, 1928.

INSURANCE TERMS.

CONDITIONS OF POLICIES IN THE FAR EAST.

NEW COMMODORE.

DIRECTOR OF THE TRADE

DIVISION COMING:

Captain B.AS.. Hill, Director of the Trado Division of the Admiralty has been appointed to succeed Commodore J. L. Pearson, O.M.G.. in charge of the Naval establishment in Hongkong.

Captain Hill has been in charge of the Trade Department since [chrly in' January, 1926.

Light on the conditions of In surance policies in Malaya was thrown during a converantion which a Singaporò Free Press re- presentative had with othcials of one of the leading insurance com- panies in regard to an editorial ró ferent to the article written by

It is not known at the moment Dr. G. H. Macalister in the Mala-when he will take over his new yan Medical Journal, based on the duties but it seems likely that following quotation from a policy in Hongkong until Captain Hill Commodore Pearson will remain

Issued by "one of the leading Life arriveno tvrd Assurance Societies in Britain:"

-་་ན

"It is hereby declared that the uro

assured may In times of pence realde or travel in any part

་་:

iri

Commodore Pearson arrived in Hongkong in Dacomber, 1026, succeeding Rear Admiral A.JB. Stirling.

LETTER GOLF.

of Europe, Malta, Egypt, the Sou- dan to the north of and Including Khartoum, the Holy Land, Mä- deira, the Canary Islands, the Cape To-day's puzzle is a "natural" Colony, Natal, the Transvaal, | par¬PÁPER and MILLS are both Orange River Colony, British Ave-letter words and each lotter has to bo changed, but the paris South Africa, Britisk Bechuana- only five. land, the Australasian Colonies, Japan and the Treaty Ports of China to the north of ind includ- Ing Shanghai, and. In any part of the world (Asia excepted) north of 83 degrees of North latitude or south of 30 degrees of South Inti- Inde; and In case the life as- sured shall depart bayond the limits above mentioned .... this policy shall be vold."

Premiums Vary in Enat,

P

APE

P

HOT WATER

ALWAYS

AVAILABLE

'OR "NIGHT

M

1 LIL S

1-The idea of letter golf is to change one word to another and

"I do not know where Dr. Maca-do it in par, a given number of lister gat Els information," the strokes. Thus to change COW to manager of the company stated, Hen, in three strokes, COW, "but the idea of the pelley being HOW HEW HEN. void is all wrong. He may have 2. You can change only one seen some antiquated polley, but letter at time. I don't think any first-class com pany at home would dare to issue policy like that now. The only thing that happens is that the pre- mium is increased.

3-You must have a complete word, of common usage, for each jump. Slang words and abbrevia tions don't count.

4-The orde rof letters cannot be

A clauso in our ordinary policy changed. Is that the assured' may reside

One solution is printed on an- anywhere or engage in any oceuolher page. pation. The only thing we do is to charge an extra premlum in cer- tain countries:

The premium has been reduced here in the last few years an ac- count of the decreased mortality. Japan premiums are slightly higher than Canada, China is slightly higher again, and down here is slightly higher again. But the assured knows exactly what he is paying all the time, and I he leaves this part of the world and takes up residence in the UK or U.S.A. he gets a re- bate.

The Death Rate,

Wa have been here for thirty years and there has been nothing like that whatsoever. If a man goes home for six months we give him a rebate during the time he is away. The statement is quite correct that the death rate in Great Britain is 12.4: It is true that the death rate here is 12.33 but the rate here is based on young lives and most mer leave this country about the age of 55 and die somewhere else. We cannot charge the same rate. In our district, comprising N.E.I., F.M.S., Siam and S.S., the total European mortality is about 10 per mille."

"Another thing that is very in- teresting. A great many English and Scottish companies have war clauses in their policles, Aying clauses, hunting clauses, etc. If

a man gets killed in active warfare his policy becomes null and void unless he has notified that he is going to war and pays the increas- ed premium.

Procedure Described.

Our polley is a non-conditional It does not bind the assured

one.

in any way, and it has been in existence for 20 years. If a man has no intention of living here when the policy la taken out, we never charge the difference. But if, at the time, he aaya he is coming out here the policy is: endorsed and the extra premium is charged."

Another official stated: "The average life Insurance companies have in the last five years reduced premiums. Our Company has re- duced the tropical rates for Malayn to sub-tropical rates, and extended that reduction to old policy-holders, who had taken out their policies under the old rates. If a man takes out one of dur policies at home under home rates, having no intention of coming out to Malaya at the time the policy is issued, he can later go anywhere he likes. If he states at the time of taking out his policy that it is his intention to go abroad, bla policy is endorsed, and he becomes liable to the increased premium when he goes.

Count the

TELEGRAPHS!

FIFT

NOON

WWAY MORNING

IF

YOU USE

A

GAS GEYSER

Hongkong & China Gas Co., Ltd.

HARVEY'S

BRISTOL MILK SHERRY

BRISTOL CREAM SHERRY

ROYAL TAWNY PORT

"THE CONNOISEUR COMES TO CALDBECKS" CALDBECK, MACGREGOR & CO., LTD. (Incorporated under the Hongkong Companies' Ordinances 1911.1918.) Prineo's Building (Ground floor.)

Telephone 0, 78.

EARS OF SUCCESS

1878-1928-

NOT

THE BEST BECAUSE THEY'RE THE OLDEST

BUT

THE OLDEST BECAUSE

THEY'RE THE BEST.

Three

Castles

Bristol Landon

ALSO PACKED IN-REGULAR 505 AND 201

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