The Dutchman's Insurance

Schmidt insurod his woaden barn for 900, and bis Dutch wii'e for $5,000, takLng botb. policiea froni the samo agent. Shortly after, tho bain burned down, aud Sohmidt applied ior the money ; but tho company s adjuster made up his jnind that the edifico wasu't worth the amount insured tor, and quietly told tho ownor they would put up a new brick ono instead of paying tho $000. Sohmidt was teiribly indignant. He said : " I do not undershtand dis insuranco pusiness. I pay yon for $900, and when my shtable burn down you now mske :: new ono. I uot want a new shtablo. I want 1900." Ile oonsultcd a lawyer, but it was no go. ïhon ho tackled the agent : " Mr. Agont, I want you to shtop dom insmiui'Mi on mine frow. I no pay moro munish dut way. I no undershtand dis insuranco pusiness." Agent (surprised) - "Why.Mr. Schmidt, you aro doing a vory foolish tiling. You havo paid cnnsidorablo on tliis policy nlready, andif your wifo should dio, you will get 6,000." 41 Yuli, dat is vat youtellsmo now," said Sohmidt. " Von I pays you on my shtable, yuu say I got $900 if it burns down. So it TM l'unit, and you not givu me my monUh. You say, 'O, dat was an olcl frame shtable; is not wort anyilings; ] malee you a briok shtablo ; and you no pays me mine $000. Von mine frow dies den you say to me, 'O, she vas an ole Dutoh vomiin ; sho not wort anydin get you a new Englisli wifè '.' And so ] lose mino ö,000. You not fooi fSohiuidt again. I not undorsatand dis insurance 1 pusiness."