Montgomery, Ala.
Oct.25, 1917
My Dear Dad: -
I rec. Marion's letter of the 20th, yours of the 21st and Mothers of the 22nd last evening.
I would like your advice immediately on the Gov. Insurance proposition adopted for soldiers. This is the proposition. Insurance taken out by soldiers is convertible at the close of the war. It can be converted into 20 yr. paid up, endowment, or straight life policies, in nearly any of the insurance companies. The full amount or any part of it may be converted. Ten thousand dollar policy in the Gov. during the war would cost be about $6.00 or $6.50 a month, during the way & when converted it would cost me a flat rate, minus all overhead expenses, which would be between 25 or 40% cheaper than I could take out a regular policy in any of the Ins. Co's. Do you think it would be a good plan to take out $10,000? The premiums would be taken out of my pay monthly. I think it is a very good proposition.
How did it happen the Buckeye did not move into the Nicholas Bldg? As I was told they intended doing.
As to the Liberty Loan, the 148th Amb. (the old 1st) subscribed for over $20,000 worth of bonds. I took two fifties, which will be another $10 a month out of my pay. However I had not intended to tell you, I arranged to have the bonds sent to you when they are paid up, which will be about next July. Now what do you think of that?
As to the cigars, I still have a few, but since you sent that can of tobacco, I have been smoking my pipe nearly altogether.
There are about a dozen or more take The Blade, News Bee, & Times, and I can see theirs so hardly think it necessary to have it sent to me.
I went up-town last evening and had a good hot bath, then went to a movie. It is the first hot bath I've had since I came here. Our hot showers are not completed yet.
Tell Mother to send me Giles' address & I'll write him a letter. I did not give Mr. Keith a picture before I left, I forgot all about it, and I was so busy. Give him his choice.
Tell Marion, that I tried to get some sugar cain for her, but I guess I was a little too late in the season.
Well I'd better close & get back to Hdq. as it is nearly time to go after mail.
Love to All
Howard
The above image is from Stanford's library. I was curious about Howard's pipe smoking, so I did some research and I learned another tidbit of interesting history I never thought I'd know: the history of tobacco and cigarettes in America. From Cigarette Pack Collectors Association (another website I never thought I'd visit): "When the United States entered the war in 1917, the sale of cigarettes was illegal in eight states and legislation to prohibit them was pending in twenty-two others. Across the nation, the smoking of cigarettes was generally looked upon with disdain. It was associated primarily with eastern European immigrants living in urban centers or so called “city dandies”. Evangelist, Billy Sunday expressed the general sentiment when he said: “There is nothing manly about smoking cigarettes. For God’s sake, if you must smoke, get a pipe”.
As you can guess from the image, the general public was asked to contribute to provide tobacca for the troops. Smoking cigarettes eventually because en vogue as the government provided them for the soldiers. Understandably, they were easier to use and carry in the field.
According to the U.S. Department of Veterans Affairs, Congress approved Howard's life insurance program because many commercial life insurance companies refused to sell insurance to soldiers due to the increased risk of being in a war zone. In 1919, the plan evolved into the U.S. Government Life Insurance Plan. The program offered plans through 1951, and there are still almost 8,000 policies still in force today.








