Omaha Daily Bee Newspaper, February 25, 1889, Page 5

THE CONMERCIAL TRAVELER. Rev. Harsha's Sermon to the Omaha Drummers. “HE WALKS IN CRODKED PATHS," An Eloguent Tribute—As to the Ban- quet—A Sermon on Card Plag- ing-One Man's £xp ence—samplos. A Sermon to Travelers, T.astnight, atthe Frst Baptist church, Rev. W. J. Harsha preached to trav: ing men from the text he travelers walked through crooked paths.’— Juages b5:6, You will agree with me that it is one thing to travel for pleasure and quité another thing to ha territory’ be- fore youand a “house™ behind you. It is easy enough to loll about Paris with your kid-gloved hands in the pocket of a summer ov »at, or to lean over the gide of the Rinlto and watch the crc ing tide of the Adriatic. Many a young fellow has done that with soft hands and o full stomach while their fathersor mothers, or hoth, were working away hard enough on the farm or tehind the counter. Thoy thought thoey were giv- ing their boy a liberal education and the thought made them happy. But ou nre not such travelersasthat, You K:n'vl.n':l beds, and hasty meals, and sudden calls, You mneed to watch the time cards and make all the time you can. On, 1 know very = well that you have no casy job. The old proverb was: “The rolling stone gathers no moss.” This was supposed to be an infallible business maximum. But one a partner in a certain house, whose busines was somewhat run down, proposed to go out and visit the customersand sec what he could’do to induce them to buy. Hither- to merchants had resorted to the citics in the spring and fall tobuy theirstock. But from that partner’s venture the whole occupation of the commercial traveler has resulted, and now it is the stone that rolls the farthest and the shrewdest that gathers the most moss. Solomon, though the wisest of men, was fond of reminding men to stay at home. Twice in his proverbs he gives this saying: “So shall thy poverty come as one that traveleth.” But in Job’s day there seems to have been a class of traveling men who made money in the sale of linen and purple goods. For the patriarch boasts that he had the pleasure of welcoming them to his home, merchant princes though they were, ho bought of them rich stuffs. His children were dressed in some of them when the house fell down and crushed them in their revel. In Matthew’s parable we hear of a traveling man, though in this case he was probably only one of the peddlers who in the olden times vsed to unlade their weary and sore shoulders at the villager’sdoor. Llight times in the book of Lcclesiastes does Solomon draw warn- ing from your occupation, for there seems to have been some unsuccessful men in your business then, and the bur- den of it all is, “Riches perish by evil traveling.” The Midianites were the great itiner- ant merchantmen in olden times. One of the vivid pictures of my childhood is that of a company of them T used to see in the family bible. They were a shrewd get, and in the center of the company ptands a triangular-faced camel most hideous to look upon. I never think of traveling men withouvhaving that face rise before me—though fear you will uot thivk that very cowplimentary. But such is the permanence of child- hood’s impressions. Well it was to a company of the Midianitish merchant- men, you remember, that poor little Joseph was sold. They happened to be Ppassing that way on a business trip, and the cruel brothers took the lad out of the pit and sold him to them at'a bar- gain. Doubtless they maude a very fair rofit when they resold the same boy to otiphar in Egypt, and they never once dreamed that they were ouly agents of God in the whole transaction. B0 it is that you may be carrying out God's purpose without knowing'it. His eye is upon you, and he can make even the wrath of man praise him. The Canaanites, also, were traveling salesmen. very name denotes shrowd sell " and in those old days the Pheenici traveled by sea, while the Canaanites took route upon the land. I cannot stop to tell you with any minuteness how Christ compured the kingdom of heaven to & man “traveling 10to a far coun ’ and to a merchant man whose business it was to go about the.country secking goodly peacls. And Tean only throw out the hint to you that Paui” was the greutest com- al traveler who ever lived, for he went he made tents and awnings and sold them, albeit he car- ried along also. a knowledge of the Baviour’s love. My toxt says that in Deborah’s day the ‘‘travelers walked in crooked ways.” I have chosen these words be- eause I am afraid they are only too des- eriptive of the temptation before your feet. One crooked path1s deceit. You are to sell all the goods you can, whether the buyer needs them or not As [ understand. it, you are e pected to look out for the customer’s commercial rating. By fair means or foul you are to get the goods onto him, and then if you can slip in certain items he .did not order, without being detected, you ave all the more vatuable, Now I call this deceit. 1 say itisa breaking of the golden rule. You have po right to swamp a man through his fguorance of the state of trade, or of the quality of goods you have tooffer, 1 was told by a trayeling man of his un- willingness to sell a certain kind of machive to farmers* because he had to deceive them to make them take 11, and finally he got his house to give up the sale of that particular machine though there was money in it. I eall that a noble action on his part. Another erooked path your feet are BpL to trot in is swearing. 1 know how Eruue your class is to this and I wonder tit. To take God’s name in vain, and especially to profano the dear name of our Lord and Master who died to suve us all, is s useless as it is ungentle- manly, us needless as it is sinful, *God will not hold him_guiltiess that taketh his name in vain.” Then there Sabbath-breaking. You very seldom pause to think thut traveling on that day, or making a sale ortwo isa dircet breaking of God's fourth command. You remember there were men once who sold oxen and doves in the temple and Jesus made & whip of small cords and drove them all out. Do you think He will ba more likely to overlook your descoration of His fluly day than He was to ignore their desecration of the holy place? 1 canrot pause to speak particularly of intemperance, impurity and gambling as crnoi(unl paths, Cer- tainly they ave such. And hos many good fellows of your class have been ruived in them, This last summer I went along beside Lake Avermus and I MAHA DAILY BEE: MONDAY FEBRU 1889, saw the dark caverns where the an- cients located the entrance to hell. But I am sure the paths 1 have men- tioned are more dark and deadly than any I saw on that cla old Ttalian spot. 1 know you are particularly apt to fall into these evil ways because of your very occupation. The Indians have a saying that it takes a stupid man to follow & straight trail. They mean by that that brave and independent fel- lows are apt to be led by their very im- petuosity to try new and dangerous routes. So I think your very alertness, your good fellowship, above all your loneliness when night comes in one of these little western hotels, these things are all the peculiar causes of what sins you commit, Old Standing Bear, the wise old Ponea chief suid to me one out there at the fort, When I was a young man I thought I could find a better trail through the woods than my fathers had take But when- [ left the beaten ck I found the rocks sharper, the thorns thicker and the brush denser, and I was glad to get back to the way my fathers had trod. The old trail is best.,” And he was right. Crooked paths may be pleasurn- ble for a season, but the straight old wav through the world to God is the *best after all. T wart, in closing, to point you to a traveling man who made a wise remark. His name was Jucob. When he went out from his father's house to seck his fortune he lighted upon a certain place and there slept. In his visions he saw a ladder stretch- ing up to heaven, with angels aseend- ing and descending on it. In the morn- ing he made this compact with God: If thou wilt be with me, and will ke me in this way that 1 go, then shall the Lord be my God.” I ask you all to make the same compact. Test God's mercy. Rely upon His promise. T Christ to be your saviour and He will keep you in all your journeyings. Hills. eve From the W. C. Patrick, representing MeCord, Brady & Co. in the Black Hills, came in from his Deadwood headquarters. Besides disclosing to a reporter of Tie Bee a vast fund of information on the necessities of the Hills in a grocery way, Mr. Patrick graphically deseribed the new process of reducing refractory ores into a valuable exchange for fav greater supplics of commodities than his house is there to furnish, “Two years ago,” said he, “T carried McCord, Braay & Co.’s samples into the Hills, and at that time I don’t think that 1 per cent of the trade of that territory came to this town, but now fully oné-half of the heavy grocery business of the Hills is handled by Omaha merchants, This is largely due to ot that to-day thereis norailroad di nination ugainst us. The rate from Chicago and other eastern points to my country is the sum of the local to the Missouri river and thav of the local west of the river, so that on less than carload ship- ments at least we have the advantage of the car load toll to our Missouri river locations as compared with the less than car ioad rate from the eastern point, Chicago for instance, to the Missouri.” ““What is there in this new method of treating ores that hitherto have proved obstinate?” *‘Well, there are mountains of low grade ores that can not be subjected to the stamp, but which can be ground up, put into egg-shaped cylinders and roasted to liquid form. This liquid is poured into vats and cooled preparatory to 1ts deposit in large tubs, where the presence of chlorides effects a separa- tion of the valuable and valueless mat- ter, and at this stage the old methods are resorted to. This leaching has brought about the building of narcow gauge railroads from Deadwood to Lead City and from the new process works at Deadwood to Ruby, where most of the refractory ore is obtained. The former line will be operated im May and thelat- ter some time this year. it might also be mentioned that the B. & M. is con- structing an extension from Alliance to the new coal fields.” The eves of the handsome traveling man which had covered the reporter with an animated light in keeping with his rapid summary of the advantages of Southwestern Dakota asan auxiliary of Omaha’s great northwest commerce now seemed to introspect the recorded obscrvations of many years of travel and experience. “Can I thiuk of anything else of in- terest for the commercial page? O, yes, butTam convinced that I have said enough to warrant the conclusion that groceries will be in brisk demand in my country, as well as commoditics classified in other lines.” Gambling Travelers. An Omaha t ler addresses his comrades as follows: 1t is with deep re- gret that T see the habit of card play- ing getting a firm hold on the traveling men, and this habit is often indulged in at a sacrifice of time which should be devoted to business. I will give onein- stance, and who of us but have seen this repeated many times over? A fow days ago tho writer was sitting in the hotel of a Nebraska town en- gaged in writing when a number of traveling men entered. Having just arvived in the town, they had hardly had time to register when one of the number proposed they have a game of high five, and a four handed game was at once made up. This was 3 o’clock in the afternoon. 1 left there at 11 o’clock that night and the game was still on, they having stopped only long enough to eat supper, and not one of them had been out to call on his customers. Now, boys, I will leave it to your impar- tinl judgment. Is it vight to thus spend the time that should be devoted to busi- ness? 1Is that what we draw our salaries for? The fums we represent expect that we will spend our time in trying to make sales, and not in card playing, and just in the proportion that we mude our services valuable to our firms, can we expect o r ve higher salaries. This can be accomplished only by giv- ing our time and study to our busincss. So} from o finuncial standpoint we can not afford to play cards, and while we may not all lave the sume religious views, let us have respect for the Sab- bath, and not spend the day in card playing. [t is needless to say, we could give the names of a good many salesmen who have taken their own lives after losing their own and some of the firm's money ut the card table, aod this was not dono in a gambling den, but in a game with other traveling men who should have been their friends. There is also another view to take of this mat- ter, which is of far greater importance than the loss of time and money. Card playing is but another of the many teaps which the devil hasset to catch the souls of men, and can we afford to sacri- fice our immortal souls through this in- dulgence of habit? ellow travelers, is it not time tocalla halt? Brace up! Attend to business und be honest and true 1o yoursol ves. Business and Pleasure, D. M. Jay, of Turner & Jay, whole- sale hats and caps, has returned from a seven weeks' business and pleasure trip extending to the Pacific coast. Mr. Jay traveled over the Oregon Short line wnd it was in the way-towns of Tdaho and Oregon, as well as at points in Washington territory, and in Port- land that he made efforts to place hi goods and to ascertain the trade possi- bilities for his Omaha house. That these efforts were successful the ship- ping clerks who are now packing and forwarding large consignments for the northwestern territory areable to vouch and the junior partner s so well satisfied that a profitable bhusi- ness can be conducted by his house in that part of the country that he will repeat his venture, with the as- surance that the tentative tenor of his former trip has resolved itself into the certainty of profit. Soft felt hits found most favor with the miners of the hills of Idaho and the farmers of the fertile region at the farther end of the route, where a failure of crop is unknown. Finishing up the houses of Portland Mr. Jay took advantage of his proxim- ity to San Francisco and sailed to the latter point, There he familiarized himself with the Joss houses and opium dens_of Chinatown, the beauties of Woodward's gardens and Golden Gate park, and sifted the glorious Pacific ocean air through his lungs, with ClLiff Touse s o point of vantage, in rapt con- templation of the seals sporting on the rocks but a short stage on the journey to China distant. He says that a grip car ride in the Gold City is almost as exhilarating as is the burst on to Twentieth street after the ascension of Dodge street. As to the Banquet. 1 man writes from Weep- ing Water: “Referring to thearticle in last Monday’s BER in regard to the pro- posed traveling men’s demonstration late in the summer, I would like to say a word or two. Tam a sincere and thor: ough advocate of the practice of bring- ing customers, jobbers and commiercial men together and think it does an im- mense amount of good, but there is one thing in the proposed programme that could not pass off quite smoothly, and that is the banquet., Kveryone knows it requires an admirable amount of tact and experience to conduct a banquet of even 150 or 200 guests, There would be fully a thousand hungry souls on that day to be refreshed and the Coliseum would be the only building in town that could be used. I have_talked with a number of the Dboys and they think about the same. We don’t want to do anything we can’t make a complete success, Let us hear from the boys.’ Experience. Tom White contributesthe following: *Yes aid the drummer, ““I don’t want to beat you,” and he handed back 50 cents which the clerk had given him by mistake. “I am strickly honest and have had experience enough to make tears come into your eyes if you will allow me to relate it. *“‘Go on,” said the clerk, and the drurimer resumed as follo "welve years ago when I was but sixteen, I began working in a bank and in four months after I was detected in stealing money from the till andsent to jail for five years. Shortly after I went to jail my mother died of gricf over my action and my father began drinking and in two years after my mother died he had committed suicide by shooting himself in the head with a revolver. Now if this isn’t enough ex- perience to teach a man to be honest what is? 3 An Eloquent Tribute. The Stuart Ledger says of the late Col. H. C. Leberman whose death was noticed in last Monday's Bi The an- nouncement that he is dead will cause lament and poignant sorrow among his wide circle of friends and men with whom he had business relations. Yea, a silent tear will be dropped for urteous, handsome and gentle d positioned salesman, who will never more greet his customers with a cordial handshake or exhibit his samples. His life was as gentle as a Hesperian wind, as unclouded as a summer sky, as spot- less as and devoid of harm as a child’s. He left a comfortable home, the sun- light of which was a wife and child. He lived for his family, which he hon- ored and revered and never lost an op- portunity to speak words in their raise. Peace to his ashes in the rest- ul, eternal sleep. A Right to Choose. A commercial traveler awoke from a sound slumber to find a mosquitg buz- zing about his head in the darkness. He at once arose, lighted the gas, and sei ing the bolster from the bed, he struck vigorously at the little insecct, exclaim- “Ah, you pest, but I'll have your You are a_ very inconsistent n, upon my word!” replied the mos- quito from his perch on the ceiling. SHow?” “Why. you have been bitt in twenty places by the bugs, and yet you pay them no heed.” *‘Yes, but every man has a right to choose what nuisance he will put up with. Take that you rascal!” Moral: If the citizen chooses to ex- cuse the pinno pounding on the right and poison the barking dog on the left no one can gainsay him.—Detroit Frec Press. The Author Mad. The Montreal Trade Bulletin relates an amusing and instructive experience in trade circles in that city at the close of last year. A large wholesale house sent a note to a buyer for another firm stating the writer was sorry he had not in stock a suitable present for the wife of the party addressed, and begged her accoptance of 310, to be spent as she might prefer. The note was shown a rival establishment, and brought out another $10. This revealed to the fortu- ate buyer the existence of still greater ibilities, and he made the rounds, h the result.of gaining enough to be able to purchase for his wife a complete new outfit, including a sealskin cloal. And the author of this good fortune *‘was mad” when he heard of it. National Bankrupt Law, The associated wholesale grocers of St. Louis have sent out invitations to the various boards of trade and commer- cial exchaoges of the country asking them to send delegates toa national convention of the reoresentatives of commercial bodies in the United States, to be held at St, Louis, February 28, 1889, to formulate and present to ‘con- an equitable bankrupt act, which will secure protection to the hovest werchant, intlict punishment on the dishonest merchant, and establish o uniform system for the collection, pres- ervation and pro rata distribution of the estates of lusolvents at & minimun cost. Samples. M. Brown, with George T. Brown, New York, wad on the strects. E. Freuch, rep uting the Seldon Axle works, of Wilkesbarre, Pa., was in the city. Will H. Ritter, of the Winona Imple- ment company, was doing the Missouri Pacitic last week, F. Wiltse, of the Excelsior Furniture company, of Rockford, 111, was another Omaha visitor last week. . J. Rittenhouse, James socretary and treasurer of the Gooley Mo, M. association,. of Connorsville, Ind., was in the city. Tom J. Huteson returned from his western trip to Denver, Salt Lake and other western points, and reports busi- ness good. Mr. . Chilberg, of Chicago, repr senting the Thompson-Houston Electric company, was in the city hustling after the motor company There is something in this world that 18 as sure As death and taxes. That something in Lanius. When you don’t sco him around at the proper time you may just as well commence to wear mourning for the dead. William Carney, the North Platte man for the Winona Implement com- pany, was doing the Broken Bow branch last week. The shipping clerk always complains of too much work when Car- ney is hustling. You wouldn't think he was Irish by his name, would you? Well he is. Among the many traveling men on the Stromshurg branch this week we caught the following: Arthur Allen, D. S, Spler, K. B. Randolph, Jimmie Herrick, Star Plug Whiting, J. C. Lyon, George W. Duncan. Robert F. Lytle, C. R. Stephens, Dean, H. E. Klein, Lennord. Sixteen got off at Stromsburg Wednesday afternoon and six Thursday, and the boys are rustling if trade is light. The Stuart Ledger says: 0. Leake, representing H. M. & S. W, Jones, WhOIESAI8 $tETIbHe TS 0! Opiitiky spent’ Sunday in town. Mr. L., al- though a young man n old timer of north Nebraska. In 1873 he taught school at Pishellville, the then frontier sottlement in rn Knox county, on the Niobrar. He was the foun- der of the Neligh Advocate, which he established in 1880, He is a rustler and a pleasing and entertaining gentle- man withal At the Millard: J. E, York; H. H. Spencer, Ogden; C. S. Blackman, Chicago; Waltes Woolett, Kan City; Vietor Saul, Cleveland; David Fox, New York:; Eugene Arn- heim, New York; Max , New York: L. H. Varney, i C. L. Henser, Lincoln; I K Foley, Chi- cago; George W. Skinner, Chicago. At the Paxton: John Rex, Chicagoy W. M. Young, St. Loui. 5. H. Root, Boston; K. W. Pease, St. Paul: L. M. ¢, Chicago; Henry Meyading, Min- polis; G. L. Palmer, Burlington, In.; v M. Martin, John D. Brooks, Al- bany, N. Y.; W.S. Acheson, New York; J. A, Lower, Chicago; J. Luck, Phils delphia; Willinm Cox, Philadelphia; John At the Mur R. Iis B. A. Crell, Chicago; ¢ Chicago; W. H. Hale Murphy. Chicago; G. H. Bastma York; John D. Repele, New Yor 3 D. Adams, Chicago; L. Saalfield, New York: L. Mayer, St. Louis; R. Fuller, New York; M. L. Halton, Ne York L. Walker, Chicago; C. R. Hoffman, Chicago; H. M. Brison, San Francisco. Spears, of New se b Oh, What ah Awful Breath! There is nothing‘ more healthful than onions. The trouible is that persons are afraid to eat them because they make the broath unfragrant, But there is aless fra- prant breath than that freighted with onions. We mean’ the breath of a person with a foul stomach. Take him away! we inwardly cry whefi*he whispers in our ear. Do sco that your breath is pure Take a few Braxpreri’s Pruis gnd regulate your liver, stomach ana bowels and your breath will be sweet, THE INSURANCE QUESTION. Mr. Palmer Epresses His Views and Opinions Thereon, Osama, Neb.,, Feb. 23.—To the Editor of Tns BE It is no presumption on wy part to assume that Tune OmamA Bep, with its powerful influence, is ready at all times to defend, protect and foster that which is good and beneficial, alike to Omaha interests and the great state of Nebraska. Knowing this to be true, I beg for a moment to call your attention to the question of insurance legislation now pending in the Nebraska legislature. Par- ticularly to the valued policy law, senate file No. 8, the bill to compel companies to pay taxes on the gross receipts (no reduction for cancellations, return premiums or losses paid), and a bill compelling insvrance com- panies to pay a 2 per cent tax to sup- port fire departments without regara to how good or effective the organization may be. Few people in Nebraska understand the commercial importance of insurance protection. Very few of our citizens, farm- ers, merchants, or anybody else, who own property, carry their own risks, Our city and country merchants are all required to carry a certain amount of reliable msurance on their stocks; otherwise they cannot buy on credit. The farmer who sccures a loan, and the enterprising citizen who puts his shoulder to the wheel of prosperity, and builds the great buildings of this and other Nebraska cities, must protect his loans with insurance in eastern companies. Other- wise these improvements cannot be made on borrowed capital. The fire insurance com- panies to-day staud behind every great cn- terprise, Not a prominent corporation west of the Missouri river is doing business with- out insurance protection. The railroad com- panies insure their property. The farmer,with his plain $200 home,as well as the millionaire, seeks and pays for insurance protection, More than $200,000,000 foreign fire in- surance capital is to-day liable for Nebraska losses. The business man, wmerchant and farmer, realize fully the necessity and bene- ficial results of reliuble fire insurance. The great packing interests of South Omaha, Liocoln, Nebraska City, Fremont and other Nebraska towns caunot’ be conducted with- out good insurance protection. One firm in South Omaha carries over §00,000 worth of insurance, and the. total line that could be carried by local companios, organized in this state, on this risk, would not be to exceed #$15,000. Snall we drive away this foreign capital? Can we do busincss and prosper withoutit! Not without the fire waste can be stopped. More than $130,000,000 of earn- ings was totally déstroyed by fire last year, More than half this sum was replaced to the losers by the benetteiil plan of fire nsur- ance; the burden being distributed among tho many, every insurer paying his portion of the loss. Should ‘we crippie an interest on which we are eomnpelled to depen protection? Or, should we, by iujudi and injurious legislation euact laws that tend to increase thedoss ratio, or the cost of insurance! If so, dorwe not rob ourselves? ‘The problem of (fire insurance is easily solved by any busingss man. Capitalists put in their money far, stock, expecting diyi- dends; the record of the business shown by sWorn statements wy overy insurance depart- ment, reveals the fact that tho general agency companies bave made but very little mone; No large dwidends buve been paid; the average dividend is less than 10-per cent as u matter of fuct tho average dividend will not exceed 6 per cent. The strongest fira in- surance company doing business in Nebraska shows an average dividend of less than & per ceat. We have no watered stock. The bus ness has been carefully and conserva- tively —managed. The officers of fire = insurance companies erally are not speculaiors or stock gamblers, They are of our most conservative business men. The plan is to give protection for the least amount of cash and to grow ng in public favor, This being true, we are en- titled to protection. The valued policy law was first conceived during the granger fight in Wiscousin years ago. The fact that an insurance company was @ corporation wWas the principal argument, or ruther the most effoctive issue, conducive to its passage. For some tune it was regarded as a dead letter, Then the stutute was Lested in the courts and enforced. rom {uat duy the loss ratio in Wisconsin has increased waterially full 25 per cent. All logislation of this kind must have its day, The public mind must be edu cated. The law was passed in 1daho, and the people there have been compelied to carry wn fnsurance, A similar bill, though it s0 bad, called the Howland law, was in Ohlo. Missouri has a statute, passed duriug_the last legislature, upon the same subject, but far leas injurious than the Wiscousin law, of which senate file No. 8, Ne any valued policy law in force. The Hampshire legislature, during the last ses sion, passed a valued policy law applying to reality. This was tho straw that broke the camel’s back. The disease seemed to be spreading to_the nearer the center of insurance capital, he companies promptly withdrew from the state, and resolved here after to fight the question through the press and not with strong lobbies. They also r solved to take similar action in any other lopting the same law. It was stated ate, when senate file No. 3 was t , that the companies with drawing from New Hampshiae had returned, and were now doing_business in that state. This is not true, The person making the statement was simply mistaken, - The companies that withdréw from New Hamp shire closed their agencies, have not opencd them since, and are not how writing busi noss thore. The reason for this severe action on the part of the companies was because of this fac o that the cnactme v has in creased incendiavism. — The intention, of course, was to lessen it. The reverse is the case. 'The hazard has been iner in Wis consin from 40 to 68 per cent. We know that these luws do_ not remedy the evils of over: insurance, We know, too, that the incen diary, in nine cascs out of ten, can secure over-insurance that the companies are powerless to prevent it, and that in burning, n scs out of ten, he destroys his neighbor's property. One party in Atchison, Kan., to cash a remnant stock on which he had ' §500 insurance, burned 00 worth of property. An instance in Lincoln, where a photographer, for €00 insurance, destroyed 10,000 worth of property, upon which the owuers had no insurance. Do our business men wish to bo burned out! Do they wish to drive aw To carry their own risks 1f so, pass the valued policy law. No honest man wants more than his policy contracts for. Anpolicy of insurance is to make good the loss. 1t a dishonest adjuster is disposed to take advantage of the insurer, the courts stand ready to protect him. IBut have we hud any litigation worth mentioning? How ny cases can your readers cite where fuir ment has not been orded to the iu- There are some c: o are dis- men: some sharp adjusters: but the for shiarp adjustments and dishonest practices have passed. In fact adjustments not made on sound business principles arc the great exception, and not, the rule. Competi tion and the n ity to sccure a large volume of busines, in order to make any money, tends to make insurauce s com- panies libe and s inclined to take adv: of any techuicalit ies. The strongest fire insurance company doing busincss in this state, and the one having the largest line of comwmercial busi- ness, has never had a lawsuit in the state, doing business herethirty years, More than one hundred of the leading business men of this city insurers to the .amount of more than two miilions and a half of dollars have signed a protest against the passage of this bill. The farmers are not asking for it— none of them want double Iusura dollar more than the actual cash value their property. Our farmers want protection from the traveling solicitor, who tempts them to insure tor more than the value of their property. Occasionally a farmer wants to secure a loan, and is tempted to put a value on his buildings to give the mort gagor insurance protection. Ought this man to profit by his misstatements! Are the farmers so ignorant that they do not know the value of their own prop- erty? No, they do not know the value, and ninety-nine out of 100 of them will not’ pay for over-insurance. They don't want it. What they do want is honest treatment and prompt adjustments, and state protection against “‘wildcat” ins As for the bili, the proposition is exactly the same as it ‘would be to tax the furmer for the price re- ceived for every bushel of grain, or for every ammal sold trom his farm, without any de ductions for the cost of the goods sold, or to tax the railroad compan; for every fare re- ceived, for every dollar for freight, and al- low them no reductions for the tof run- ning their trains or maintaing their road, or for the payment of employes. Is this rieht! Should we pay tax ou gross premium receipts? We receive $100 to-day, cancel the policy to-morrow, and pay back $i. Should we pay the tax on $1 or $100. A tax on groSs premium receipts at the same rate that all other personal prop- erty is taxed, would be a *'‘gross’ outrage. I don’t think the Nebraska legisiature will vote for so unjust a measurc. 1f we are to be taxed for fire departments there should be some stipulation as to what constitutes a fire department. ‘There should be apparatus and men ready towork the machine. Neces- sarily the tax to support fire departments will have to be borne by the insuring public. Itisnot a busiuess proposition to say that because we are doing a fire insurance business we should pay for the supression of fires. We are in measure benefitted, but if there were no fires, our occupation would be gone, The ousiness of fire insurance will be at an end when there are no losses by fire. Who would pay for protection then? This entire question should be treated fairly and with great consideration. Fire insurance is one of the mainstays of our prosperity. At pres- ent we cannot get along without it. Let no personal animosities or_ personal grievances, no fecling that because a certain agent or ad- juster has not been perfectly fair tempt us to strike at an interest so thoroughly necessary to our prosperity. H. E. Panyi = What you need is a medicine which, is pure, efficient, relinble. Such is Hood’s S dlla. It possesses pe- culiar curative powers. . S - THAT BLIND ASYLUM. A “Bee" Correspondent Treats of a Question of Veracity. Neniaska Ciry, Neb, Feb, 2 Editor of Tur Be 1 notice in Tue Bee of a recent dute that Superintendent W and Prof. Parmalee deny the interviews regard- ing the condition ot the new blind asylum, That some of the statements made by the parties interviewed regarding alleged poor work were false I do not now doubt, but I reiterate that the interviews were reported correctly, and 1 object to being accused of misrepresentation by a few cowardly so heads who are afraid to stand by their asser- tions. The complaint about poor work done on the institute has been made ever sinve work was begun, but little attention was paid to the matter. Sevoral weeks ago a man named Redman, o carpenter who had been employed on the builaing, stated i the p o of Dr. Campbeli, of this city Messrs. R, H. and R. M. Miler; that the building was poorly constructed; that there re no anchors in the wall, ete, related the matter to General Van Wyck, gentleman suggested that Tie Bxg representative be asked to look into the matter and report it. The correspondent did 80, and the first person asked ding the mutter was Prof. Parmalee, who was stopped at the corner of Central avenue and Sixth street. 1 told him about the report, aud he asked that nothing be said about it unless I Kot conti n from other sources. He was tly, bis later stutements to trary nowwithstanding. He suggested that Wales be s nd that gentloman wus told about Redmun's report, und he pro nounced him a fool. Wales was asked no questions except his opinion regarding the report, but was given rope, and he decided to bang himself. The interview was seut Tur Bee almost verbatim, and the only error in the whole business was the statement that Wales asked the board of public buildings to come and examine the work. They came of their own accord, and the assertion thut Walcs had also been superintendent of tho wood work of the public buiiding seems to be a mista gentleman saw his v proceeded it at Lin- upon tof these val surer hones day ~To the to deny them, whou the colu called y down. PPaul Schmike s that that the matter with Walos was the fact that he was an unsuccessful bidder for the work on the iustitute, 1 despise a coward Cuanres CoreNaay e, No one should delay when they have a cough or cold, when a 50 cent botule of Bigelow’s Positive Cure will promptly and sufely cure them. Dollar size choaps est for family use or chromic cas Goodman Drug Co. COUNT HERBERT BISMARCK. Ho Is tho Counterpart of the Iron Ohancellor, O EARN HIS SPURS The Stern School Boy Learned to —A FORCED in Which Be a Soldier in His the omance Life. The Chancellor's Alter Ego. te on the evening of the authors’ ball, held in the hall of the Central hotel, says o Berlin correspondent of the New York Tribune, & man entered who was soon the center of attraction. He was a giant in frame, standing fully six feet three in hei heavy mustache covered his lip which would have been an ornament even in the days when it was customary to speak of the beards of the Germans, and corresponding in blonde color to the luxuriant locks of curly hair. His eyes were blue and projecting. Above them, two jutting eyebrows met, lend- ing the faco an expression determined and fierce. His nose was straight, well- formed and prominert, his forehead low and without that breadth which physiognomists require as a feature of high intellectuality. But the chin was full of pow His Dbearing was soldierly and his dress suit fitted him with the faultlessness of a Prussian uniform. People bowed beforo him others hastened to pay a more intimate and friendly greeting, and all turned to look at him. It was Count Herbert Bismarck, the oldest son of the chan- cellor. He veceived thes introductions which followed in a patronizing way, and showed an easy motion, the bear- ing of an aristocrat. Aud yet one did not resent it. The imperious manner seemed the natural ornament of a man gifted so remarkably by nuture. Greatness came suddenly to Count Herbert Bismarck. A few years ago his name was rarely heard.” People meeting him upon the street did not know him from auy other fine-looking rman., But he is to-day as much talked of as his father, and familiarly spoken of as **Bismarck No. 2. In the promenad ong the Linden, which 1s the measure of a Prussian statesman popularity, he attract many sig seers as a royal scion, and the greetings are reverent and cordial. He will soon enter his fortieth year. He studied at the gymnasium of Frankfort-on-the- Main, where he was not particularl distinguished, and took no honors in the graduating class. He entered the First Dragoon Guards to serve his “year voluntary,” as it is called, and was soon after mustered into active service. For twelve months, despite the fact that he the Prussian min- ister’s son and the scion of so noble a house, he remained A COMMON PRIVA . s “You see,” said Prince Bismarck, in speaking of this, *how little nepotism there is with us. He has not becn pro- moted, while others, who have not served one month, are already ensigus. But at the battle of Mars-la-Tour bis regiment charged with brilliant success the overpowering. numbers of the French; he displayed much bravery and was shot three times, being wounded in the thigh. He was found by his father in a farmyard, bleeding profusely, and was removed to the prince’s hendquarters at Pont a Mous- son. Soon after he was created an officer and given sub-command of a company. The chancellor was extremely proud of the strength of Herbert, and often tells of a visit to his camp during the warand of finding the boy carrying a huge pig from the stable of a neighboring armer. After the war Count Herbert entered the University of Berlin, and devoted himself to juristic branches. Subse quently he went to Benn, where he took his degree. As a student he in- herited the tastes of hisfather, and was a brilliant fighter in his corps. The marks of those conflicts he still bears as a diploma of bravery upon his cheek. His beer-drinking records are fully as famous as those of the ‘“‘toller Bis- marck.” Upon graduation the count returned to Berhn and was at once attached to the Prussian embassy in Munich, In 1876 he went to Be the sume capucity continuing, however, tonet in & way as his father’s private secretary. In 1878 he w assistant secrotary to the congress of Berlin, and his statue, as such, ever stands among the famous diplon in Berlin’s Mme. Tussaud’s. After serving with the German embassies at London and St. Petersburg, he was sent as minister to The Haguc, preliminavy to his ap- pointment, in May, 1885, as under socre- tary of state for foreign affuirvs, and recently secrctary of state, with the title of excellenc Thus in twelve years Count arck has risen from the unimportant post of an attache to the highest position, save one, in the gift of the German emperor. Such advancement has up to the pres- ent time been denied even to princes of the blood. This exception was natur- ally due to the nepotism of Prince Bis- marck. The chancellor waited for sev- eral years before deciding which of his boys” should follow him. They were both secretaries in his office. But he finally decided upon Herbert as the more capable of the two, and began his education. Prince Bismarck is opposed to di- vulging state 5 to new and untried persons, and was desirous of having his son in a position where he could act as his mouthpiece, and this appointment of Count Herbert was welcomed by the MEXICAN inches consorvatives, Tiis position is. next to the chancellor's, the greatest sinecure in the state, bringing the holder 50.000 marks, together with a dwelling and additional perquisitos. The priucd hims solf has but 54,000, with the famous pale ace in the Wilhelmstrasse. Young Bismarck has shown himself a Schonhausen inindependenceand forces He is as strong-willed and even MORE ODSTINAT HAN TS FATIE when once he has taken a stand, He what the Germans call “‘sehnerdig.” He is ambitious boyond measuve, and it iy with deep regret that he learned of his father's declining vhe offered dukedom. He prefers the title of duke to prince, which he will doubtless one day become, although at present the title has not been made hereditary, and he is simply count. His influence over the present emperor, however, is considerable, and 1t is his dream that history may say of him that he was to Emperor William 11, what his father was to Buiperor William 1. He haslong been on intimate terms with the Fme peror, who, as prince, was ono of hig companions, Often when riding out he would salute young Bismarck with that familiavity which betrayed the lutions between them. That, too, is a rosult of the prince’s far-secing policy. But the similarity in the charactors of the two has cemented their friendship, begun for political purposes. Count Herbert has long been o mem- ber of the reichstag, where I remember him chiefly asa silont listener, rathor than an active participant in the de- bates. He was a regular attendant, however, and was always treated with the respect which his name inspired. He sat near Count von Moltke, and the two became close friends. But his si- lence was sphinx-like, For that reason the recent debate in the house where he repeesented his father has been called his maiden speech. It was a sur- ‘n'\w to the large nudience which heard him. He stood at the corner of the mins ister’s bench, where his father had al- ways taken his stand. The words cnme slowly, just as the older man. There wast san ion, which was akin to and yet im- pressed the listeners as arising from tha difficulty of choice among many words, rather than from their vauneit) SBISMARCK OVER AGAINT, could be heard, passed from lip to lip. It must be borne in mind that the prince made his maiden spoech at about the sume nge when a delegate to the congress at Erfuri. Even the man- nerisms of the younger man resembled those of the faiher, and they were not affected. His voice has the same pitch, neither deep nor low omant. Ha is not an oratorand his periods are not rounded. Yet his speech, when read, was eloquent and abounded in illustra- tions drawn from the literature of more lands than one. Even the long lead pencil was held in his hand, which con- stantly clutched at the shirt collar, ag sndeavoring to loosen it, And hed so often for the handker- fin the back pocket that ono was reminded of the famous portrait of his father by Werner. The applause was long and repeated and the general opinion was that Bismarck the s had been understood. Count Herbert is unmarried. years ago he was the hero of an escap- ade which made all Germany talk of him and nearly cost him career, inheri- tance and name. While sitting at the table of a prominent composer one evening, where the dowager Princes Carolath-Beuthin was the guest of honor, my neighbors asked if T knew the story of Bismarc and the lady’s daughter-in-law. **People in court cir- cles,” she continued. upon my answer- ing in the ncgati ‘talked of the affair and its possible outcome long before the climax came, I recall their first introduction at the military ball in Potsdam. The Princess Carolath Beuthin had then reached an age which it is polite nof to inquire, and was the mother of six children. But her beauty was still un- dimmed. She was the bell of the even- ing. It was a case of LOVE AT FIRST SIGHT. From the moment the count met the lovely woman he acted as though his fate ha dbeen sealed. She received the attentions of the nobleman with the same joy with which they were given, and rumor predicted a duel with her wenlthy husband. Herbert was then secretary of legation. The duel did not take place. During the months which followed, his fideiity to the woman was marked. He interested himself for her alone and danced her attendence at every ball. “The passion overwhelmed them at last,and she left hey family and children and the castle of her husband to elope with the penniless attache. They trav- eled to Rome and Naples. Tn the lutter city, however, a telegramawnited them from his father, containing the signifi cant woords: *If you do not leave the woman at once, you are no son of mine, He wus in n_dile he wavered His word of honor given to the woman at his side, who clung to him, But the threat of the iron chan cellor and his duty as a gon made him tremble. He yielded to the latter at last, but yielded with an oath that he would never mary any woman but her. That promice ha been kept. She wag Several i divorced from her husband, and is now living in Dresden, where Count Her- bert Bismarck visits her frequentiy. He has remained true to her since the day of his promice. No other woman has influen hiv He is naturally courted by the feminine world as one of the best matches in the kingdom, but their charms are displayed in vain,and their words fall upon ears which are deaf. When his sire is guhhered to fathers, Count Herbert Bismarck will doubtless lead to the altar the Pri ncest Carolath -Beuthin.” D, Mine Inspector Epperson estimates tha the output of the Wyoming coal mines for the past year was ncarly one and a hal million tons, exccediug tho supply of tht year previous by 330,000 tons, MUSTANG LINIMENT Mustang” conquers pain, Makes MAN or BEAST well again!