Omaha Daily Bee Newspaper, January 22, 1891, Page 5

PUZZLES THE PHYSICIANS. A Remarkably Oase That Breaks All Patho- logical Precedents. # TEMPERATURE TOUCHES TWO HUNDRED, 4 [ ¢ é v 'Y \ - - that whe Mrs. McKinney's Phenomenal Condi- tion Promises to Ureate a Sen- sation in Medical Circles ~Other Local News, A remarkable case Is now attracting the attention of the physicians of Omaha, the equal of which is ot known in the history of medical lore, As compared with this unique pathological specimon, Pasteur and his wonderful inocu- Jations pale luto insignificance, and Koch's 1ymph simply “isu't in it.”" The case 1s that of Mrs. M. MeKinney of Jearney, who has been a patient at St. Jo- sm};h‘s hospital for the past six weeks. 'here are many remarkanle features con- nected with the case, but the most wonderful and the one that maikes the doc- tors who have scen it doubt their own eyes is the strange and_ inexplicable jumps in tho temperature of the bady, that sct at naught all the time- houored notions regarding such matters and smash the physician's standardized ther- mometers by dozens as well, Heretofore the highest authenticated case of increased temperature was 1142 ., Wwhich was a case ol sunstroke and was re. ported by a Pittsburg doctor in 1872 and, of course, the patient died. It is regarded as almost an axiom in the medical profession the temperature of & porson reaches 1115 F. death surely results unless instantly relieved. Notwithstanding these facts, the bodily temperuture in this case leaps up to' 1715 1% on the impulse of the moment, drops to 166= ¥. 10 cateh its breath, and stays at 146> F. for weeks at a time. This rovolutionary feature of the case is what has complotely nonpiussed the local physicians. Somo of the doctors who heard of it declared that it was too ridiculous to be given any serious consideration, Others who talked in the same way at first, but who finally went to look at the case simply out of curiosity, wero convinced after several yisits that it was genuine, and that there was no humbug or impositions about, it, whilo & number who are unwilling o believe what they have repeatedly soon, areat aloss o know what to think about it. Those who at first wero suspicious of do- ception, and thoueht that the temperature was artificially raised, were notsatisfied until the patient was stripped of her clothing, re- moved from her bed and seated in a chair with a blanket thrown around her, and the mercury was theu secn to ascend to the peint_above mentioned. ~ Other doubting Thomases were of the opinion that the woman purposely broke the bulbs, sending the mer- cury to the top, but wh up toany- where from 125= F. to 156= in larger thormometers wichout breaking the bulbthe; nad noting further o suy excent to marvel at it. S0 much talk was occasioned by the strange case among the medical fraternity,that a Bee reporter called upon the woman yesterday und was told the history of her wonderful and unparalleled case. Mrs. McKinney 1s an attractive _little woman, something below medium size, of slight ' forn,, light complexion and with light nair = and blue a refined and educated y. Her face, on which the lines drawn by her great suffering are apparent, still re- tains much of its former beauty. Sho is twenty-six years of age, but fn the past four years has-gone through' what few of her sex Zexporience in a lifetimo, rs. McKinney was married seven years ago to a railrond man, and nas lived in Loup City, Wood River, Chicago and Kearney. T'wo cnildren have been born to them—oue a bright little boy, who will be three years old tho second of next "month, and B gl who reached hier second birthday only two days oyes, and _is ago. The first timo that this abnormal Increase in temperature manifested itself was av the time the younger child was born, when it reached 1122 F. The attending physician thought that something was wrong with the thermometer, and those of half & dozen doctors’ were tried during the next two days with the same result. The patient recovered and no further trouble was experienced until the following November, when_the woman was ng medicine ab_the Woman's medica college in Chicago, Sho was nearly asphyxi- ated by coal gas in her room, and a severe attack of peretonitis followod. She was tosen to tho women's ard children’s hospi- tal, and while there her temperature was taken at 1252 K\ on several occasions. She was attended by Dr. Henry Byford, Sho was again attacked with periton - itis on April 8, of last_ year, aftor returning to her homo in Keamey, She was taken suddenly ill_and_ had several abdominal paius, followed by slight _rigors. Dr. Duckworth of Kearney, was called in, and after an examination concluded that theé pains originated from an_extra-uterine preg- nancy, causing & general inflanmation. of the peritoneum. The doctor discovered what he supposed to be & forign body, and on_ applying his forceps, removed a bone of a child, in. appar- ently about the fourth month of prognancy. Several bones were removed, and the doctor then placed his thermometer under the arm of tho pationt to note the temperature, and }l;l,:on|urcury rose to the tp, registering 39 8, Bolieving that'he had not properly shaken the mercury, he again tried 1t with the same result. He- concluded that the thermometer was out of order, and went out and purchased throe Hicks' thermometers. Returning, he applied one under each arm,and to his horror the mereury in each rose to the top, 1122 K\ This was more than be could staad, aud he sent forhis partner, Dr. M. A. Hoover, with instructions for him to bring his thermom- eter. A now onowas tried and it immediately rog- isterod tho same as former ones. Satisfied that all of the thermometers were no good the doctors wired Charles Truax & Co. of Chicago, surgical instrument makers, to for ward a thermometer to register 125° F. Within twelye hours of its arrival the fever rose again, and on applyiug the thermometer, the mercury immediately rose to the top. 5till they thought there must be some mis- take, and ogain wired Truax to send o thermometer to register 1502 ¥, and to send with it @ certificate that it was standard and correct. Repeated trials with that thermometer at various tmes recistored tho temperature from 113 ", to 135 ", Dr. W. J. Galbraith, the local Union Pa- cifio physician of this city and one of the most prominent surgeons in the west, was sent for, and @ statement of these faots forwarded to him. He re. fused to go, declaring that the facts were altogether too unreasonable, and stat- ing his belief that the attending ' physicians wore being imposed upon. He was ' repeat- edly sent for, but as often refused to go, until he was again telegraphed for on November 10, Belioving that humbug and deception bad * been practiced, he invited = his friend and colleague, Dr. J. L Peabody, to uccompany him, and also secured & thermometer of the chief chom- ist of the Union Pacific, with a cortificate that it was standardizeaand correct. On their arrival, the tomperature was found to be 117® F, Tho doctors carefully examined the Ded and all about the woman and were satis- fled that there was no deception, They re- mained until midnight, when the woman had & severe chill and they then found that the temperature was rising. The thormomoter was applied under the arm, and in less than a minute it registered 145 F. It was removed and insido of twenty minutes it was again applied, when it tered 131> F., aid in less than five minutes the temperature was 325 below normal. The woman was placed under the care of Dr. Galbraith and jremoved to St, Joseph's hospital, in this city where she now is. Siuce her arrival here, her tomperaturo has varied from 62 below normal, to 1715 K. Since April 12, last, sho has been delivered of nearly 1,200 bones and pieces of bones of foetal siructure. Aboutsixty of these have removed by Dr. Galbrmith and the others by the Kearney physicians before her removal to this eity, Lt Hunter-Davi: Mr. J. F. Huuter of Omaha and Miss Euma G. Davis of Chicago were married last Monday night at the residenco of the bride’'s sister, Mrs. Carlyie, 4040 Ellis avenue, Chicago. They arrived in Omaha Wednesday morning at 10:30 and will be at home to thear friends at 2047 Dodge street. s s THE PARIS SUIT CO, Jackets, Suits and Costumes. We have purchased this bankrupt stock at a great sacrifice and will place on sale on Monday. The goods areall new, purchased for this season’s trade, and well selected, reflecting great credit on the judgment of the buy As usual we will give our friends all theadvantage of this purchase. Re- member Monday and look out for bar- gains as good ns you got from us after the fire, and goods in perfect order. V. B. FALCONER. e STRIKERS REMAIN HOPEFUL. The Milwaukeo Telegraphers Claim They Witl Win Their Fight. Four telegvaph operators lately employed by the Milwaukee road are in the city in the interest of their fellow workers who are on a strike, These operators have just completed a trip overthe Towa divisions of the Milwaukee, and their report of the situation is very dif- ferent from that furnished by the railway oficials, The spokesman of the committee in a con- versation with o reporter for Tur Bre made the following statement of the situation and of the operators’ positions and plans “All the operators want in this matter is a fair deal and we havenot been getting it. The reports furnished the papers have all been favorable to the railroad compuny. General ~ Superintendent Earling yes- terday issued & bulletin declaring that the strike was at anend and thanking the loyal operators for standing by the com- pany. Later in the day be issued an order to trainmen torun on schedule time and not to cause any more train orders than could be avoided owing to the condition of the opera- tors force, ‘The Milwaukee has also announced that none of the stations along the line are closed and that no student operators sre employed. This 18 not the fact. Tho station at Neola was_closed from Friday night until Tuesday morning, The station at Astor was closed at 7 o'clock Tuesday morningand thatat Aspinwall ‘Luesday morning, Statio Vining, Dedham, Dawson, Templeton and Mantlia have all been closed at least part of the time and most of them are closed now. “The company is employing students and scabs atvarious points. is doing duty who was re the company for stealing and At one of the most important points on the ancil Bluffs division at Manilla the work s being done by two boys, neither of whom has ever had any experience in railroad work. At another stution, Coon Rapids, tho division superintendent and the trainmaster have been doing the operator’s work. These points areall in western lowa, and_there is just as much trouble on eastern divisions. ‘At Stone City, as told in TueRBer dis- patches yesterday morning, the office has been clos d and the citizens of the place refuso to allow any one but the former operator to take charge of the office. At Manilla, Manning and other points the feel- ing among citizens and business men is runniog high and the new operators are experiencing the greatest difficulty in getting boarding places, while at competing points the merchants are threatening to turn all of their Business to the Milwaukee's rivals. “Then, another statement of the Milwau- «ee ofticfals is wrong. They claim that only seventy operators and sgents have gone out. The fact s that over four hundred are now. outon the system, and the number is being rapidly increased.” “How do you propose to keep up the fight and what hopes of success have you was asked. “There is a fund,” replied the committee- man, “of more than we need deposited weekly by other railway and trade organiza- tions for the support of the boys who ave out of work, and we have no fears but that we will make a wining fight of it. Our greatest help will come from the engineers. They aro already getting scared at the pruspect of baving to take train orders from incompe- tents and they will demand a change pretty seen as a matter of self-preservation, *“This is no brotherhood strike or anything of the kind. It .is simply a protest against baying wages reduced to below the living point. Milwaukee operators and agents were receiving only from $30 to £50 a month for their work, and when the order came to reduce this amount by 10 to 20 per cent the boys walked out, and every labor organiza- tion in the country will supportus in the stand we have taken.” g S No €afer Remedy can be had for coughs and colds, or any trouble of the throat, than ‘‘Brown's Bronchial Troches.” Price 26 cts $Sold only in boxes. e SOUTH OMAHA NEWS, A Brakeman's Hand Mashed. Guy Palmer, foreman of the Union Pacific switch crew on engine No. 1114, while coupling cars got his left hand between the drawheads, receiving a bad mash. Several bones were broken and the flesh badly crushed. 1. 0. O. F. Hall Association. The committee of the Oddfellows Hall as- sociation met Tuesday night and ordered an assessment of b per cent. Messrs. J. B. Erion, A. H. Miller and J. C. Thomas were ap- pointed & committes o look upavailable sites, getterms and report ot thoe meeting next Tuosday evening. A Lady Badly Injured. Mrs. Franks, an old lady aged sixty-six, living at Albright, met with a serwous acel dent Tuesday night. While standing beside & washtub a large dog jumped up on her back; knocking her over and into the tub, She received a serious scalp wound and other injuries. A surgical examination revealed the fact that she had three ribs broken and her right arm dislocated at the elbow, Mr. and Mrs. Goodman Entertaln, Mr. and Mrs. W. H. Goodman, Twenty- second and J streots, entertained friends Sat- vrday night at high-five. Mr. and Mrs, Omar Stoddard, Mr. and Mrs. Hiram Hall, Mr. and Mrs. William H. Bennett, Mr. and Mrs. Thomas W. Whittlssoy, Mr. and Mrs, James L. Jones, Mr. and Mrs. Mrs, 8. D, Rynear- son, Mr. and M. Joha D. Robinson, Mr. and Mrs. J. B, Smiley, Mr. and Mrs. George A.Beam and Mr. and Mrs. John E. Yatos wero the delighted guests. A palatable lunch was served after the gamesat cards had been played. Notes About the City. Mrs. Clifton, Thirtieth and R streots, died Tuesday night, sged fifty-seven. Mrs. John H. Wallwork, who has been Aaugerously ill, is about out of danger. Larry Noonan, the champion beef butcher of the Cudaby packing force, has returned from Chicago. A. P. Brink, state bank examiner, has just made & business trip to the city and of course found the local banks in flourishing condi- jon, Daniel Cash, one of the ploneer grading contractors of this city, who has been doing railroad contraet work in the Black Hills, is back visiting friends. Superintendent C. J. Coltns of the Ameri- can waterworks company is connecting the new houso of Swift & Co. with a ten-inch water main and is pucting in two additional fire hydrants. i — 1 have & cousin who s a printer, says ex- Mayor J. B. Loughran of North Des Moines, Ia. Some years ago he was employed in this ¢ify wherd they woro printing vizculara for Chamberlain. ~He had a doep seated cold and terrible cough, and whilo settiug up copy b made up his mind to buy a bottle. It cured him and that was the first L over knew of Chamberlain’s Cough Remedy. 1 have been steongly in its favor ever since. My own ex- perience ana that of my famil§ convinces me way be sf nguage but that is what Tebluk For sale by all draggists. THE OMAHA DAILY BEE. THURSDAY. J THE INVESTMENT FEATURE LIFE INSURANCE POLICIES. Very fow agents or companies offer their rollflcu today solely as a Ernu!fl(nn to the family, or dwell upon their adaptation to that purpose, or urve them for that motive. ‘The policies, or “bonds’’ or ‘“consols™ of the eager great rivals are offered as an in- vestment to the taker, upon a figurod esti- mate of their future outeome, and are urged for the personal profit of the taker. In legitimate mutual hfe insurmnce, the yearly death losses, expenses, and inferest earnings are carefully adjusted, and the ro- sult apportioned to each policy, so that each person is yearly charged with just the yenrly cost of carrying his risk, and the re- mainder of bis premium is remitted by way of a dividend. He thus kuows the exact cost of his insurance from year to year, and pays that, and no more. But the “‘investment policies,” *‘bonds “consols,” ete., adopt a contrary course. The entire annual premium or “installment' is to be paid in full, without any reduction, for the entire “investment period,” ten, fiftecn, or twenty years. No adjustment or appor- tionment Of losses, expenses, or Garnings is made during that period; no dividend de- clared or paid ; no means of ascertaining what tho cost of the operation is from year to year; no means of knowing what the real outcome of the speculation is likely to be: for no statement of account can bo called for by any person, either duringthe “investment period” or atits close. ‘The holder of the policy or “bond™ or “‘consol’’ has to bind himself in advance in his application, to take whatever is given him as the profits of his venture without account or question. 18 THIS INVESTMENT SPECULATION. Tovestment, in the proper and couserva- tive sense, means putting moncy into scheme of use, the expenses, profits, and losses of which'are well foreseen, the fluctu- ations capable of reasonably safe predeterm- ination, and themselves, therefore, capable of being so weighed and balmced that a profitable result can be forecast within a safe margin Speculation means putting money intoa scheme, the expenses, profits, and losses of which are not well foreseen, or are likely to fluctuate so irregularly, widely, and uncon- trolably that they cannot be traly weighed and balanced, nor the outcome brought into any margin of safe calculation; a scheme in which gain and loss are alike possible, and aliko uncertain both as to the fact and the degree of either. Juvestment knows and welghs the chances ertains the balance to be safely on ht side, ulation does not know and cannot weigh tho chances, but simply takes them, HOW CAN A LIFE INSURANCE COMPANY MAKE MONEY 1 gs todo: It has to pay losses It chirges & premium It has two thil and expen: lated to cover the loss and expenses. It knows from . its mortality tables what the 3 will,be, withwn a safo margin : it makes cpenses much or little as it choose within certain limits. Tt estima centage which they ought not to ex: adds that to the premiums charged to cover denth losscs, Out of these yremiums the company pays its yearly death losses, its expenses, and also furnishes thé reserve to vrovide for the greater mortality when its risks eet older and for the maturity of the endowments, This reserve it can invest until it is needed; and it is therefore calculated on the assump: tion that it will earn some certain rate of in- terest while held. 11 now the death losses have been less than the table called for, and the expenses huve been less than was provided for, so much of the premium will have been saved, and can be returned to the insurer. But 1tis not a profit to him. It is simply a saving from the anticipated cost of carrying his insurance. But his insurance is an expense 1o him just a5 his fire insurance is. The premium returned to him is a reduction of the expense, not a profit, If the rate of interest earned is greater than that assumed, the excesss is_in the na- tureof a profit. For example, if the com- pany assumes that each man's reserveis Roing to earn 4 per ocent, and it does earn b per cent, then it puts the 4 per cent into the reserve and theextral per cent is surplus and can be turned back to him with the say- ings from losses and expenses. This surplus interest is usually called a profit, and is in the nature of a profit, though its actual useis merely to reduce the cost of carrying the in- surance. It is, however the only profit there is to the insurer. ‘All else is cost of insur- ance: paying expenses and helping pay other people’s losses until one's own time comes when others will pay that loss. How can this operation be converted into a profitable investment for theinsurer himself? 1t protacts his family and is therefore in- d;.'qn;usnbln; but how can he make money out of it! EXAMPLES, Several of the great companies are offering under different names the same ‘‘investment poiicy,” “vond,” ete. For illustration of the whole matter wo will select what is in fact a twenty year endowment policy, with no divi- dend until the end of the twenty years, THE ESTIMATED ADVANTAGE. Take a man aged thirty, insuring for $10,- 000; he is to pay twenty premiums of $496 each, The policy convractis to pay him $10,- 000 if he lives and keeps uphis policy through the twenty years. But the companies “‘esti- mate’’ that by leaving all his savings and in- terest carnings with them all that time, they may pay him an additional $7,060: or a total of $17,060, which would be equivaient to com- pounding his payments at 4,92 per cent. HOW CAN THEY DO IT AND PAY EXPENSES | This rate of interest, 4.92 per cent, is moro than the average rate these companies aro now earning on theirassets. But, aside from that fact, the expenses of the business ang the death losses have first to be paid. In these cflrll('\llnr companies the expense ratio is about 20 per cent. or one-fifth of their entire income. Out of ever) dollar _ of premium and overy doi- lar of interest, 20 cents is taken for expenses, leaving only 80 cents of each to pay losses and provide the final payment, Thut is, out of each premium of §46 these companies can use for the fulfillment of their contract and ‘“estimates only $306.80. This would have to be compounded at 6.83 per cent to produce the estimated 817,060, if ‘no expenses came out of the interest; but one- fifth of that goes to expenses also, 50 that to realize the §17,000 and pay expenses, the wpre- miums must be compounded at 8.54 per cent, or greatly more than the rate they aro mow earning. HOW MUCH CAN THEY not These companies, under present conditions, can hardly hope to decreuso their expense ac- count or to earn more than 5 per cent interest on their assets for the next twenty years, Assuming that they are certain to_earn that much, and taking out 20 per cent of premiums and of interest for exponses, and providing for expected losses, the result at theend of period” would be just $10.817, inste the “estimated” $17,060, o shrinkage of $6,243; a result not equal to the premiums compounded at 1 per cent. In what sense can this be called a profitable in- vestment for one's selfi How can any purely tinancial operation—one that is nota manufacturing, mining, or otherwise pro- ductive business adventure—that has to bear such an expense account, be considered as a profitable investment HOW CAN THEY MAKE UP $6,243, to realize which would require them not only to do business without any expense at all, but also to earn for twenty years a greater rate of interest than they have any reason- able hope of doing THE EXACT EFFECT OF THE EXPENSE ACCOUNT OF THE INVESTMENT, ‘These companies, having to use one-fifth of every premium and interest payment for ex- penses, and earniug, say even 5 per cent in- terest, can be certain of producing no moro than 810,517 in twenty years, A savings bank paying its depositors 5 per cent interest, after paying its slight ex- penses, could take the same premiums, the same losses, and return at the en twenty years $15,907 instead of $10,817, A savings bank Euymg only 4 per cent in- terest could take the same premiums, pay the sawo losses and return at the end of twenty years $14.174 instead of the life insurance ‘company’s $10,817. THE WHOLE TRUTH 18 that no financial operation which has to bear life insurance expensos can or ought to be called an investment; and thatno man can justify his judgmeut as an iuvestor'when ho pays life insurance expenses for the accurmu- ation of his money, or for any other purpose than providiug his family the pml«sl!nn they need and caunot get otherwise than through life insurance. It is & financial absurdity. But the question still remains: how do theso companies which spend one-fifth of THE SHRINKAGE OF of & §13,500 Full Continental Clothing House. SPECIAL DISCOUNT SALE OF Overcoats and Ulsters. 20 PER. CENT DISCOUNT. A bona fide discount of twenty per cent means more to the purchaser than some of the absurd offers of goods at half price and regardless of cost sales. lic wants can’t be sold for half price. Such clothing as the pub- A discount of twenty per cent will be allowed at the desk on every overcoat sold this week in the Men's and Boys' Department. ded in this sale. Every lot is inclu- We have many more overcoats than we wish to carry over, and have adopted this method, knowing that the discount from our already low prices will make this the most important sale of the season. Men's Overcoats, 20 per cent discount. 20 per cent discount. 20 per cent discount, Men's Ulsters, Boys' Overcoats, 20 per cent discount, Baoys' Ulsters, 20 per cent discount. Boys' Cape Overcoats, FURNISHING DEPARTMENT -Special Sale of Fine Wool Underwear. This week we place on sale the balance of our winter underwear. In fine grades we have carried a larger stock than usual this season, and the mild weather has affected the sale of heavy underwear. We are determined to close out the bal- ance of our high cost grades, and have named prices that ought to interest every close buyer. 1gh Grade Clothin LOT. NO. We call special attention to a lot of about 50 dozen Nat- ural Wool Underwear, in regular sizes, full finish goods, sold all season for $1.25. We will offer at 75c each, and repeat that they cannot be duplicated for less than $r1.25. They are fine goods, suitable for any gentleman'’s wear. \ LOT NO. 2. Fine White Australian Wool. Price $1.00. We place this lot of 75 dozen of the finest quality of Wool Underwear, such as we have sold all season for 1,75, all new, fresh goods, in regular sizes, at this sale for g1.00 each, and if not found as represented may be returned and money cheers fully refunded. MAIL ORDERS. Mail orders will be promptly filled on either of these lots this week. Send for a suit of these goods with the understand= ing that if they ore not found to be just as represented they may be returned at our expense. 0dd Garments. Prices 50c¢, 75¢ and $1.00 Special attention is called to a quantity of Odd Garments in Fine Wool Underwear, broken sizes, only, and some only drawers, sale for soc, 75¢ and $1. 00, They won't last long. their entire income for expenses and can carn certainly no more than 5 per cent for the next twenty years, and so cannot safely promise to return more than £10,817+-and really do con- tract to return only 10,000—expect to make the 0,243 more than their true apparout abil- ity to earn, and §7,060 more than they dare contract to pay ! THIS IS WHERE TIE SPECULATION COMES IN. And it is this : they know that somo will die during the twenty years; they expect that some, possibly a considorable numoor, will have to let their policios lapse during that time, some of them, perhaps, after mak- ing 'large payments.' = So it s agreod that each policy-holder will leave all his surplus earned on his policy year by year with the company for twenty yoars; if he dies during the time, it s to be forfeited to the company; if he lapses, it is also forfeited: and thero is for- folted, besides, all of his reserve unless he applies for a pdid-up policy within six months. in which case he forfeits about ono-third o his reserve in addition to all bis surplus. This is the speculation; and, for the sake of it, the insured pays each year more than theyearly cost of his isurance by the amount of surplus earned or sayed, and runs the risk of losing it all if he diosor fapses: “and he also runs a risk of losing it all, or a consider- able part of the paid-up insurance which he would otherwise get for his family in case of lapse, in the hope that he won't dieor lapse, and will share the forfeltures of those dying and lapsing; and in the hope that these for- feitures will b solargo that ho will make money thereby. Evidently this schemo s totally opposed in svirit to true life insurance, and could not be understandingly engaged in by any man so- licitous for the thorough protection of his family, or atall scrapulous about stripping other families of their protection, or by one at all careful to pay for his insurauce only what it costs, or desirous of knowing what it is costing year by year, But granting & man’s willingness to specu- late with family protection, for the sake of a resuit which, if realized, is ‘only 4.92 er cent annual interest on his payments, WHAT ARE THE PROBABILITIES OF SUCCESST We can judge only by the past. Two of these companies have -been engaged almost exclusively in this speculative life insur- ance for twenty years already. For nearly all that time they forfeited all the re- serves of lapsing policies as well as all the surplus. But they aresettling now the sur- plus on policies which have received, or are supposed to have received the forfeitures of the entire reserves and surplus from lapses for the last twenty years; and the surplus oeing now paid is only about 50 per cent of the “‘estimates” of surplus on which these policies were sold twenty years ago. Either the forfeitures have been much less than was estimated, or else the expense account has overcome ‘the speculation; one or the other. But these companies now profess to forfeit on policies now being written only about one-third of the rescrve instead of the whole of it as formorly. Yet they aro “‘estimating’? that the results of these policies twenty years hence, which can sharein the forfeiture or ouly one-third, will be as great as ara the resent results of the policies which are shar- [ in the forfoiture of the wholo reserve for thelast twenty years. They estimate that a part will produce as much as a whole. The old **Full Tontine" policies—in which all re- serves as well as all surplus on lapses were forfeited—are yielding only 50 per cent or less, of the “estimated” surplus, ~ And this 50 per cent result on F'ull Toutines is now used as an “estimate’” of the probable result of the semi-Tontines—which are to forfeit all the surplus but only a third of the lapsed re- serves. For all these investment Yfllluio!, ‘onsols,” or whatever else they may be called, are merely varioties of Tontine orsemi-Tontine. How semi-Tontine is expected to accom- plish as much as Full Tontine has never been explained. The expenses are increasing; the forfeitures can hardly be expected to be greater, and » much less proportion of them goes to the poor, and certainly the rate of in- terest is not likely toincrease in the next twenty years. The true question would seem to be this: if the old Full Tontine estimates based on full forfeitures have roceived only one-half the expected surplu: whyan not an equal shrink- age to be expected in the results of present ‘estimates’’ or ‘“illustzations” which are themselves the disappoiiting results of the old Full Tontines, and which must be real- ized, if at all, from only partial instead of full forfeitures? How can partial fortelttives produce as large asurplus as full forfeitures And it is forfeitures alone that can make these policies an inveslment to those who don’t happen to forfeil, for the expense ac- count kills the interesvaccount, Or, apply the test of; history to this very licy : PPha 01d Full Tontine/estimate was that the entire cash value at the end of twenty vears would bo $23,500—a surplus over the fice of the policy of $13,500. But the actual surplus settlement in sight is—if no further shrink- age takes place such as has been constantly @oing on— $7,000 wstead of the $13,500 prom- ised to the hope. And now the $7,000 result Tontine estimate 1s used as a semi-Tontine estimate for twenty years hence. Ifithas as good luck as its predecessor It will settle at about $3,670 instead of §7,000, making a total settloment of the policy $13,010 instead of $17,000; this is less than 37¢ per cent on the. premiums paid in, and to attain even this the companies must depend on forfeitures equal to 2§ per cent compound interest on the premiums paid. Is that a speculation worth hazarding all or any part of what one pavs for insurance and making his family hazard losing it} Jacon L. Grexxe, President, Hantroro, Jan. 12, the Connecticut Mutua Life Iusurance Co. l some lots have shirts They are all high cost goods, sold all season for $1.50 to $3.00. They will be closed at this You must come early on this lot. FREELAND, LOOMIS & CoO. THE STANDARD COCOA OF THE WORLD. The Standard Cocoa of the World. A Substitute for Tea and Coffes, - Van Houten's has fifty per cent more of the rdesh-forming elements of cocoa than is obtained by the best processes of other manufacturers. Van Houtens Gocoa ‘ “'BEST & GOES FARTHEST." Doctors and analysts of the highest standing all over the world, certify to this immense saving, and by Vax Hou- TEN’S special process only can this be attained. BVAN HOUTEN's COCOA (*'once tried, slways us Ioaving no injurious effects on tho norvous systom. No wondor, thorofore, that in all parts ") posnoases tho groat advantage of and eoffe or other coeons or chocolutes, for dully use by ehildren or adul of tho world, this {nsentor’s Cocon is recommended by medieal men, Instend of ten I hale and sick, richand poor. Ask for VAN HOUTEN'S and take no other. WESTERN PACKING IN1ERESTS. A Slow Week, Though a Gaining One Over Last Year. Cixorswatr, 0., Jan., 21.—[Special Tele- gram to Tur Ber.) —Tomorrow's Prico Cur- rent will say: The aggregate movement of hogs in the west has been decidediy reduced the past week, although moderately exceed- ing the corresponaing period last year. The total packing is 450,000, against 625,000 the preceding week and 450,000 last year. The total from November 1 is 5,630,000, against 4,905,000 a year ago. The leading places compare as follows : Citlos. | -0 - Indianapo Cincinnatt Milwaukoe. 8t. Louls Bloux City. Cedar Rapids Cleveland Ottumwa Nebrasks How to Bre vere Cold. From_the Virginia City, Mont., Madiso- nian: When we find a modicine we know to possess genuine merit, we consider it a duty, and wo take pleasure in telling the public what it is. Such a medicine we found Cham- berlain's Cougn Remedy. By tho use of this syrup we have relieved, in a few hours, se- vere colds, and in the course of two or three days, entirely broken them up as has several of our friends towhom we have recommended it. It is all it 1s ropresented to be by tho manufacturers. 1f you have a cough and want to stop it, Chamberlain’s Cough Rem- edy will do the work. For sale by all drug- gists, ——— Marriage Licenses, The following marriage licenses wera 1s- sued by Judge Shields yestorday: Nameand address. § Charles Ton, 42 1 Mrs. Hattie Ori {Matin . ¢ ouncil Blufs ouncil Blufrs Omahu Omaha Omaha Omaha Omaha Omaha H 1 1 { Lafayette Joh Hannah johnson. Sy Several yoars ago Chamberlaln & Co. of Des Moines, Ia., commenced the manufacture of a couggh Syrup, belioving it to be the most prompt and reliable preparation yet produced for coughs, colds and croup: that the public appreciate true merit, and in time it was cer- tain to become popular. Their most sanguine hopes have been moro than realized. Over three hundred thousand bottles of Chamber- lain's Cough Remedy are now sold eacn year, and it is recognized as ‘‘the best made’ wherever knowi. It will cure a severe cold in less timo than any other treatment. For salo by all druggists, hir RS County Court, The Milwaukee brick manufacturing com- pany sues Richards & Co. in the county court for §340, materials furnished. Nebraska Savings and Exchange bank sues . E. Curtls and others for $100 on & note. SWIFT'S SFECIFICS. S.S. 0'CURED ME ENTIRELY OF AMERCURIAL RHEUMA- ONTISM AFTER | WAS ) DMADE PHYSICAL 2" \5\a WRECK. “N\JNO. H. LYLES, SORENTO, ILL. $1.000 WILL BE PAID TO ANY CHEMIST WHO WILL FIND ON ANALYSIS OF SWIFT'S SPECIFIC.S. 8. 8., ONE PARTICLE OF MER- CURY, 10DIDE OF POTASH OF ANY POISON- 0US SUBSTANCE. | WAS CURED BY SWIFT'S SPE- CIFIC 8. 8. 8, OF THE WORST FORM OF BLOOD POISON. D.H.KAIN, MT. VERNON, ILL. ¢ FISCHER'S [CE TOOLM. Double Markers, Plows with Lift ing Cams, Tongs, Bars and Fischer's Improved Ice Hooks. Hinehaueh e et Taylor, SOLE AGENTS. ¥ Omaha, 1405 Douglas FOR SALE business. Estab. Han n well solocted stock of Wall Mouldings, Paints, Brushes, elo. P. WINDHEIM, 516 8. 16th Street, Omaha. and_Paperhangin; OME CURE FORMEN Men who are Incking In wital foree and v or, OFATe wenls and nervous from any cause, send at once for sealed Information, FRREE, of tho N Common S Xome Cure. NO electric n sense. Weaknesses of men. Address Albion Pharmacy Co., Box 04, Alblon Mieh, BRACE UP! Weak men, tmpalred, cas ‘They make old men young, g1vo fire and vigor to hausted youth, double life's Joy. #1 perbox, ..mwu?{. Pamphictfree. NERVEBIEAN CO., BUPFALO, Bold by Goodman Drug Co., 1 FRENCH SPECIFI aittve ing, Certain cure {0 1th brain, nerves and s adan absolute cure n ah Gs E for all AL A Prce. o Soo signature of E, Lo IT AW M AR Fuforing from tho effocts of younrul arror g weaknoas lost a0t 6L Hol Dasiibutars for- aciis are, FILEH Of charge ALDORA Yoo work 1 mblid b ead by & Thih "wh 18 nerios aid debiitat i Adiresa Frof. ¥, C. ¥0 WLER, Moodus, Conn Morphine FEMALE BEANS | Al lable, foctl, fo, niost “ful fomnal optlator Lo h4ves tll 830 LAALAL (80 Bot Siclent. Addrem LION DRtG Cor Butkio, 8. To Bold by GOODMAN DRUG CO, £ |DR. 3. E. McGREW, THE SPECIALIST. Moro Than Fifteen Years Experience in the ‘Treatment of PRIVATE DISEASE out the loss of an hour's time. STRICTURE pafs iy, pain or nstru : no dlla remarkable remedy known tomodern sclence. SYPHILIS e r this terr! Dr the most powerful and su; covered for the absolute oure of thi succoss with this disease has o A compteto cure GUARANT! thesexunl organs,nory - LOST MANHOOD ot i ntural discharges, nro absolutely cired. Helle tmuodinte and completo. SKIN DISEASE manently cured. FEMALE DISEASE cured. The Doctor’s Hon truly a complete, conyen! LADIES from 2 1 4 ONL p 2 which 1s truly national In ohiaracter, and his great army of patients reaches from the Atiantio to' the Pacific. The Doctor (s & SGULAI’ medicine nnd has had loog @xperience In hospiral practice, and 1§ mong the leading _speciallst in modera Treatment by correspondence. Book of A cure I8 guaran- teed in from thres to five days withs cured without n disonse, His er been equallod. and all wenkness of Rhoumatism and all d ensos of tho blood, I kidneys and bladder po Barrennoss aud disoases of th 8to 1t and wondortul rom Book froe, marvelons nccoss has sclence. clrculars about each of the above diseases, FREE. Office, 14th and Farnam Sts., Omaha, Neb. Entrance on either street. Qallfornia’s Breat Remedy PR, HOBB'S gestion, N i BILIOUSNESS, & fed 1" vog ‘digenous to California, Try them. 46 plile 18 fench vial, Sigk,, Headaohe O, Hobb's Litle Vegeable Pil 85 sentan yial; 8 for 80 en or $. ¥or ruggi or by mail, Address i %Mifl MEDIMINE €0, PROP'S. SAN FRANCISOD Al FOR SALE_IN OMA NEB., BY izxiness, Fits, Kouralgis, Wike T Tt a {0ittion sax, Involuntary Losses and. Hpermstorr] Gaised by Gverexertiod of ‘the brain welfpuse of Overinduleence. - Kach v §fa box, or i B Vont by ma prapalt i each ordet. fo vend pire] uiranteo to, refund meney, it ‘the treatment faila re. Guarantees issued and genuwine wid ouly by GOODMAN DRUG CO., 0Furnam Streos, = + Omaha New ELECTRIC BELT o~ nihe. ' Heal RI0 0O, . 160 Laalie WINTER RESORTS, ilumsflLLE. i Charming W inter Resort in the Higllland; Huntsville Hotel, Substantial Elegant, New HARVEY 8, DENISON, Maniger BYKON ¥, DENISON, Assisisut.