Omaha Daily Bee Newspaper, February 18, 1892, Page 5

NONEY FOR THE POSTOFFICE | Penate Passes an Additional Appropriation for Omaha's Building, MAY NOW BE CHANGED | PRESENT PLANS Btatement of the the Suhject 1t resentative Bryan to Push the Supervising Arehitect on Now Rests with Rep- Measure Through, Wasniseros Bunear or Tig Ber, | 518 FOURTEBNTILSTURRT, | ¢ Wasnisatos, b, C., Fob. This afternoon, after the senato had passed 'his bill increasing to the oxtent of $00,000 Yhogppropriation for the public building and site at Omaha, making the appropriation in all even 2,000,000, Senator Mandorsor. stated Yo Te Biw correspondent that he believed \with proper effort on the part of Representa- tive Bryan the mensure could be gotten through the houss in plenty of time to enable the supervising architect of the treasury to alter his vlans, The senator then snowed Tue Brg corro- spondent a lotter which had been received by Chairman Stanford of the senate committee ou public buildings and grounds, written a Few days ago by Supervising Architect J¥dbrooke in which that official says of the proposition to increase the avpropriation by Aho adoption of the bill which passcd tho senate today : *In view of the fact that the plans of the building have been so far com pieted as to permit of the publication of ad- vertisements for the completive proposals for furnishing all of the labor and materials yequired to cowpleto the foundations, base went and _area_walls, iron beams, columns, ete., which are based upon the plans which have beon prepared under the present limit of cost of the building, viz., $00,000, and tho provisions of the uct of March 2, 15, and the scveral federal Etatutes prescribing the limitation within which contract linbilities can boestablished, it Is respectfully suggested that whatever ac- tion congress may decide to take in vegard to extendine the limit of the cost of the build Ing sbould be taken ns eacly as possible to void delay in the worlk for the reason that if the hmivof the costis extended it will bo nocessary 1o modify the drawings o as to provide such n bulding as can be erected un- der the exrended limit of cash referred to.” The supervisiog architect then calls atten- tion to his referenco Lo the propesed exten- s10n of the appropriation made in his last an- nual report and his statement, that a further aporopriation of 400,000 would be asked in the forthcoming sundry civil approvriation Dbill 1o carry on the work duriug the next fif- teen months. Tho supervising architect msks that what he says in this letter way not Yo taken as a recommendation for the addi- tional anpropriation in the bill passed by the senate today, but merely a statement of facts rt on the Eight Hour Senator Carey from the committee on edu- cation and labor today filed an elaborato re- port on the bill for the adjustment of the ac- counts of laborors, workmen and mechanics under the eight hour law which is of special interest to Bee reader: in Ne- braska as well as Wyowing, He states | that under this law passed twenty- four years ago but few accounts haye been adjusted; that a great wrong has been dono by those who were compelled to labor ten hours for & day’s work when the law only required eight hours employment; that jt was the iutention of congress that eight hours should constitute a day’s labor. “It is not worth whilo at this late hour Senator Caroy “to discuss the ex- pediency of su It is sufficient that t exists and thers is no reason why this Ja class of citizens who are entitled to full compensation for their labor should be deprived of their right to bring their claims betore a court of claims and have their ac counts adjusted and paid. A bill authoriz- Ing this to be done would olny do tardy jus tiee to these men.” Of Interest to Nebrasks w. This measure, if passed, will affect the in terest of many persons who have worked in quariermaster’s depot in Nebraska and Wy- oming, besides those who havo bean employed in the government arsenals, dockyards and wgeueral improvements under the direction of the government. 'no oight-hour law was pnacted on Juno 23, 1565, and is in the follow- Ing words: “Eight hours shall constitute u day’'s work for all labore; workmen and mechanics, who may be employed by or on behulf of the government of the United States.”” (Section 378 R. S.) Great difficulty has been found m securing compliance with this statute on the part. of some of the executive officers of the govern- ment and in the War and Navy departments especially. Claims have from time to time Rriten on the part of the wageworkers em- bloyed by the government for lubor rendered [ excass of the daily eight hours which by constituted a full day’s work. 3 Some of these claims have been paid,” continued Senator Carey, “while others re- main outstanding and from time to time they are pressed for payment, The object of this bill is to refer the whoie matter to the court of claims for adjudication on the theory that eight bours constitute a day's work, aud that each eight hours labor performed ' shall entitle the worker to receive pay for a full day’s work.” Sioux Clty & ¥ Secretary Noble today affirmed the de- cision of the general land office rejecting the attempted listing by the Sioux City & Pacific Railroad company of an nggregate of 32 acres selected by the agent of tho compiny in May, 1854, in the Neligh land district of Nebraska. It1s held that the seveuteenth section of the act of July 2, 1564, made a now grant for this line upon thé same torms and conditions as contained in the grant for the Union Pacific, but the requirement in the matter of filing & map of the weneral route upen which a withdrawal was to bo ordered, was not a condition attached to the graut. The secretary says he is further strength- +ened in this position from the fact that as tho rond was short—but 101 miles long, and ‘was required to be upon the most direct and ractical route--there was no reason for the ling of such a map, He therefore bolds that the entries were properly allowed and being uncaucelled at the date of the definite location of the road, they served to dofeat the graut, thereforo the decision rejecting the attempted listing by the company is af- Armed, la fie Lands, Miacel T. Young was to.l: of York Center, Towu county, I % Hurrington, resigred, and C. C. Bucknell av Alvo, Cart county, Neb., vice S. Cashne resigned. Upon the recommendation of Senutor Man- derson Commissioner Reum today appointea the following pension board recently estab- ghhml at Pender, Thurston county, Neb, roer and John Stout of Pender aud L. Hildreth of Lyons. ene A, Dye of Millette, S, D., 13 at the Johnson, P.S. H, West cnsions. Wasnixaroy, D. C,, eb, 17.—[Special Tele- gram to Tiur Bus.|—The following list of pensious granted 1s roportea by Tue Bia and Examiner Bureau of Claims: Nebraska: Original—Richeson Walter, Jotn Boughman, William H. Walter, Hiram L. Wilber, Jumes H. Clapp, Peter Kamp, ilijab O. Swead, Edward P, Gillette, Jamas o, Thomas M. Pentzen, Peter Walker, Ernest H. Hoftman, John M. Shepherd George Elliott, Rody Z. Benzer, Wiliiam I Cox, Simon Ubrig, Newton M. Charles, James Gray, George Babcock, John Licki' ter, Archibald Stece, Rodney K. Johnson, M. L. MeWhinney, Lewis F. Starks, Hugh J. Reynolds, Louis Westermaun. Additional James M.’ Higgins, Rulph G. Vanuers, Mans- fleld M. Biy. Reissue—Moritz Kubl. Orig- mal Widows, etc,- Margaret McLaughiin, mother; winors of Jacob Davis, Christian Ulark, lowa: Original—Tsaac Morrow, Samuel B. Myrick. Jobn M. Huver, Wallace K. Bimoson, ‘Thowas Rains, Hecry A. Dee, Audrew’ J. Copp, 'Thomas I~ MoMillan, James H. Wooder, William C. Wiltse, Ben- Amin Bleakuey, Abrabaw Hann Yheoler, Joseph Turner, Josepl Alphonso N, Nicbols, Jobn H. Evans, Zelates M. Burliugame, Dauiel L. Haly, Hoyt L. Husted, Henry' A. Bailey, Alex Melutosh Erastus A. Garduer, James 1. Cutler, Henry Sambiin, Thomas Hoyt, George F. Spence, Milton K. Campbell, {lq‘}ulu . Brown, Au- rew O. Wald, George Jounsou, Thomas M. Gile. John E. Faurett, John' A. Dermuth, Benjamin G. Joues, George G. Rundall, Charles H James Hart, H. Onstott MeCartnoy Lingenfelter, Levi H Huffman, Jacob John Woaver, George W Audrew Nelson, Alva Brown, Elim Krauf man, Louis M. Haws, Amos Hamman, Christopher P, Popkins, Chauncey S. War ten, James K. Wilson, Henry C. Conklin, James Cowen, John Carier, Lowis £ Johnson. Charles Baldwin, George K. Ride rt G. Harris, George H. Philips, Wi liam A. Littlejohir, Charles Yale. Restora tion—Peter ~ Muhs, Inerease ~Nathunel Wilson. Orlginal, widows, ete.—Lncinda T, Hurless, Marry J. Jonos, Annie Alexan der (mother), Abbie T. Drake, Mary J. Hays. South Dakota: Original--Lyman Leslie, George Kunhie, Danfel O. Lawrence, Joel Rush, Chatles k. Faller. Original widows, #te.—Levi Littlo, Amanda D. Cockran, - I have used vour Salvation oil for cracked heels, mange, and sand cracks with horses, and it gives porfect satisfaction. Cuances W, Ler, 414 W. Baltimore st., Baltimore, Ma 0 cost of Dr. Bull's cough syrup 1s only A bottie will convince all of its ox- R — MORE INDICTMENTS. Jur on t rs Roturn Evid Part of T The grand jurors have again wot in their work and have so reported to Judge Davis of the criminal division of the district court. Just us the clock struck the hour of high noon the jurors filed into the large court room and through tho foreman, Gustave Ander son, informed tho court that they had some presentments to make. Thiree indictments were handed up to the court. A smilo passed over the judicial fea- tures of tho man bohind the bench as he de- voured the contents of tho aocuments, Turn- ing them over to the sucred keeping of Dis triet Court Clerk Moores, the court asked “Have you concluded your iabors, gentiemen of the jury?” “Not yet," on you 1 of the court, Again the investig: line of maren, vntory minutes later voted dinner. During the afterncon the grand jurors were examining witnesses for the purpose of learningswhothor or fnot any of the mem bers of the old council were tempted to look upon tho glitter of the boodle of contractors and others. 1ees of ( o Men. answered the foreman. rotire,”” was the response ators of time took up the their room, and o fow to adjourn uutil after Injured by u Cable Car, In Judge Forguson's court the case of Mar waret Craig azainst the Omaba Street Rail way company is on trial. The plaintiff seoks to recover £7,000 on account of persoual in- juries sustained. She chargos that during the evening of September 22, 1530, she was @ passonger on one of defendant’s cable cars on the Dodge aud North Twentieth street line, ber destiuation being Cass street. She told the conductor whero she desired 10 stop. The car was brought to a standstill, but be- fore she could alight the train was again started. She was thrown to the pavement with sufficient forco to break and bruise her left thigh, thoreby rendering her u eripple for life. Court Notes. Tn the case of the state against Frank Nice, who was charged with luring John Carlson, a drunken man, into Syndicate park and there robbing him of #3 and a gold watch, the jury this afternoon roturned a veraict of not guilty. M. A, and Charlotte A, Keyes have filed a petition in the county court asking that Charles A. Saunders be appointed adminis- trator of the estate of Charles Keyes, do- ceased. The deceased was a son of the petitioners and was killed in the Burlington yards July 20, 1801, while acting in the capacity of a switchman. ‘I'he petition states that the appointment 1s asked for the pur- poso that the administrator may bring a dam- age suit for $.000 against the railroad com pany. In the case of H. L. Hobblo against the city of Omaha, the jury returoed a verdict, awarding the plaintiff damages in the sum of 31,124.43. The case grew outof the con- struction of the Tenth street vinduct. Hobbie owned property along the line of Tenth street and was awarded $400 damages by the city appraisers, but appealed. ‘I'bo jury in the case of the state against John Tully returned a verdict of guilty. The prisoner, ‘who was proven to have been *tie father of Christina Hanson's child. was remanded to jail to await the sentence of the court. La Grippe Suq “I have just recoverea from a second attack of the grip this vear,” says Mr. James O. Jonos, publisher of the Leader, Mexia, Tex. “In the latter caso I used Chamber- lain’s Cough Remedy, and I thiuk with con siderable success, only being in bed a littie over two days against ten days for tho first attack. The second attack I am satisfled would have been equally us bad as the first but, for the uso of this remedy, as I had to go to bed in about six hours after beiug ‘struck’ with it, while in the first case I was able 10 attend to business about two days before gouting ‘down.’ " 50 cont bottles for sale by druggists. ——— TO SAVE DIXON., Attorneys Willing to Give the Co Man Every Chance, Clinton E. Dixon, now confined in the county jail awaiting the 22nd day of April, when he is to be hanged, is Just naw the sub- joct of somo interesting correspondence be- tween Attorney General Miller and District Attorney Baker. Dixon was convicted of murder at the last term of the United States court in this ity His attorney attempted to secure a now trial but failed. Dixon has no money with which topay the expenses of furnishing a trun- soript of the case to present to the supremo court for the purpose of carrying it up, His attorney wrote Attornsy General Milier to that effect, and the attoruey general wroto Mr. Baker for a statement of the situation. Baker avswered the attorney genoral's letter yesterday, stating that he believed Mr. Dolan had stated the truth when he wrote the attorney general to the effect that Dixon was without means and could not pay fora transcript. Mr. Baker reviewed the caso minutely, and 1n closing, said that he believed Dixon had been fairly and impar- tially tried and that he had been fairly and honestly convicted of deliberato murder. otwithstanaing all these facts, Mr. Baker said that he thought the government should furnish a transcript in all such cases where the condemned man hus not sufficiont money to puy for such a document. While Mr. Haker firmly belleves that Dixou is guilty of & deliberate murder yet he thinks that he should bave the last chance, seeing that itis only a question of about §200, which will be required to pay for the trauscript. Mr. Dolan says he has the bill of exceptions all ready to putin the transcript us soon as it is ordered. 1f the transcript is furnished and the supreme court should sustain the finding of the lower court io the case, then Mr. Dolan will appeal to President Harrison for a commutation of the sentence. — Catarrh can be cured surely, safely and pleasautly by Piso’s remedy. It cures when all else falls, All druggists. 50 ceuts, e LOADED FOR A REPORTER. emned The Fake Factory In Losing & Man, Nenrasia Ciry, Neb, Keb. 17.—To the Laitor of Tak Beg: Prompt action on your part may prevent a most horrible catastrophe from overtaking the member of the World- Herald force who reported the democratic jubilee at Lincoln yesterday for his paper. Billy Ptlaeging, & prominent republican of this city, with many others of his political faith, went to Lincoln to see the fun. The W-H man, io his Otoe county notes. says among other things avout ‘‘our Biuy: “When it comes to democracy, Bill has it orauded in bis system.” Now Billy isa re- publican with the genuine trade mark all over him aud the words blown 1o the bottle, and when that ltem met his eye ho drew forth his trusty Winchester from its resting place and with 400 rounds of solid shot and sowe bushels of grape and canister, left ou @ special for Owaha. As the W-H seems to have been losing everythiug eise for mouths past, please ring the fire beil, blow the whisties, call the policoor do any ' other charitable act that will prevent them losing & man at this stage of the game. Frask E. Hewvey, . e —— Agate bearing scaies, coffee milis with foot power, grocers rofrigerators, butter coolers, vatalogue of Borden & Sellock Co., Chicago. Great Danger of THE OMAHA DAILY BEE: THER! “ FORTY-SIXTH ANNUAL REPORT | Of the Connectiout Mutnal Life Insurance Company. PROSPEROUS VERY YEAR, Jacoh L, Greene's Report of This Excellent Con Shows Very Cone servative M Returns to Polley 1 pany agement and Large ders. h Members I'ie yoar 1801 has beon one of healthful, steady growth and prosperity, snd of truo success in everv department of the company's business. 1t has promptly met the mortality demand incident to an_old and thoroughly stable business, but which was some 8450, 000 less than the tabular expected losses. Tt has made satisfactory wains in_premium in- come, assots, surplus and business in force, while maintainivg its old time avd unrivaled economy of management, in _consequence of which it has uot only strengthened itself in evory particular, but has felt itself ablo to adont a somewhat more liberal scale of divi- dend out of its growing surplus, thus fur- nor decreasing the curront cost of its in surance, whilo paying due heed 1o future safoty, During the year the company received; For premiums £4,504,814.55 For interest and . . 8,354,297 ovrofit and 81,310.18 Total income. . During tho yea Ior claims by death and matured en- dowments sl Surplus returne. to volicy holdel 1,161,200.56 Lapsed and surren- dered policies coee $ T,804,470.00 paid out: Total paid policy holders. .. ommission to agen ts, salaries, medical examiners’ fees, printing, ad- vortising, lo gal real estate, and all other expenses of management, . Taxes...... 5,815,871.02 Total disbursements. . Balance carried to increase net or ledgor assets...............8 Add net assots Jan. 1, 1501, 57,280,004.04 Not assets Jan Ada_interest due and accrued market valuo of stocks and bonds over cost, and net de. ferred quarterly and semi-an- nual prominms. as por itemized statement hereiwith. ... 1, 1802 Gross assots Jan, 1 Total liabilities. . 1802 Surplus Jan. 1, 1892, ......8 6,0 FINANCIAL OPERATIONS, INTEREST, The intesest received in 1801 was 82 740.71. Interest colloctions have been very close and are in a very satisfactory condition, On mortgage loans aggregating $36,417,472.87 thero was past due and unpaid interest on January 1, 1502, only $41,972.93, or one-ninth of one per cent. ), 156,81 RENTS in 1801 were §134,613.56, a decrease from the former vear of $2,461.48, on a decroased hold- ing of real ostate of nearty £00,000. Our rent account does not_izelude any 'construc tive receipts or payments for tho Company’s use of its home oftice building. THE PROFIT AND LOSS balance for 1891 was the result of the follow- lug transactions: A gain from real estate sales of §135,749.46, and from sundry items 67, a total of 3141,325.13; on the other hand, a loss on_certain real estato sales of $1,035.78, and a shrinkage of premium on bouds soid or mutured and paid ut less than cost, § 17; a total of §50,01: Lalance in company’s favor, $31,310.15, The balance in 130) was very much larger, owing to the more active real'estate market of that year. REAL ESTATE. During 1801 the company has for 07,706, cost it §165, Since 1879 1t has sold property taken under foreclosure at a cost of #5331886.00, for $0,740,912.04; a guin of $1,409,025.14, and a ®ain over the Commissioner’s valuation in that year of $2,736,775.03. Our present holding of real estato taion under foreclosure is £6,155,284.70. We be- liove that as a whole it will at leust realizo 1ts cost to the company. BONDS. The company has had paid or has s during the vear, bonds costing it $749,506, it hias bought bonds costing it 1,015,000, It holds bonds costing $11,420,503.39, and worth Jan. 1, 1802, by a conservatiue val uation, $11,701,020.54, Special atteution 15 asked to the itoms of these bonds in the detailed statement. LOANS ON REAL ESTATE. During the year loans have been paid off to the amount of X aua have been mas 72: the amount outstanding boing 30,41 #72.87. We believe them to be thoroughly secured, and have ulroady noted the close payment of interest on them, INSURANCE OPERATIONS 1IN 1801, MORTALITY, The death losses in 1501 cost tne company less than S0 per cent of tho tabular or ex- pected cost, muking asaving,as alreaay statod, of some $450,000; & very favorubleexperierce, showing the far-reaching effect of caretul selection of business, both as to individual risks and as to localities and cilmates as well, ‘The death losses of the Uonnecticut Mutual have been adversely criticised by the tontine companies, and some of the younger uon- tontine companies, as larger than their own in proportion to amount at risk, or to some other assumed measure. These criticisms proceed upon so false o basis, and so ignore fundamental facts well known to the com- panies, but not kndwn to the public, that & word of explanation may be useful. The chanco of death increases with age. As a given body of men grow older,the faster they will die, and the greater will be the smount of their death losses. That is what every life insurauce company experiences, what it expects, what 1ts promiums and re. serves provide for. It expocts that the men who go in at twenty, and thirty, and forty, &e., will, some of them, live o be sixty, eighty aud nivety ; and that at 1hose ages the death rate will bo much greator than \hen the men were younger; aud not only that, but they also expect that as the company gains age, 1f it keeps its business on its books, it will have an increas- ing body of men wrowing always olaer, aud having, thorefore, & higher averago death vate and & larger amount of th losses. This is vracisely what they have provided against, and they bave forocast the actual figures of the loss they may expeet, The question with any compauy is, therefore, not what its losses are, but how they com- pare in amount and in ratio with the losses which it expected on the business when it was wrilten. A YOUng compauy may have a small apparent amount of losses, and yet their proportion to the expected losses may make them excessive—a thing they will uot speak of. A great Tontine company, which is rushing in great numbers of new men in oraer that they may drop out later and leave their money bebind them for the pool, and so {5 shifting its membersbip rapidly and kecp- ing down the average ago of its insured, may have a less aggregate loss th which builds up & stable busiu yeu ity losses may be far greater in proportion to its expeotation and cost it far more, aud leave lazs surplus, than the greater apparent losses of the wore stable company. he business of the Connecticut Mutual is peculiarly stable, We do business upon plans aud by wethods which rrnmmn persis tence. We write comparatively little endow- meut business which does not keep men in long enough to grow old, and no policies for Tontine poriods, at the ond of which most men go out, if they have been lucky enough y through. The stability of our business is strikingly evidenced by these facts: Only one-yuarter of itis on men under age of forty four; another quarter is on men from forty-four to fifty-three; auother quarter on men from fifty-three to sixty-one, and one-quarterof it on wen oversixty-ons. Aud the mortality on our older ages 1s further below the expects osad out which DAY. We are dividends tion than that on the saving more mouney on them for than on the younger ags, U the safety or prospetity of life insurance depoaded in the lenst dogree on keeping the business young, it ought to be legislated out of existerice as wholly 1faecur NEW BUSINESS Our members are weélkaware that wo are less anxious o gain newmembers rapialy, or in great numbers, than to give our present | largo memobership tha hest possivle results on their business. Wa have, therefore, not incrensea onr proportioh of expenditure for | new business —which woild havo beon at the expenso of the prosent members—but we have, notwithstanding, made a r gain over the business of the preceding year und made a considerable additfon 10 the amount business in force, which now amounts to £155,043,055. None of this was out for col loction in tho hands of agents when our books were closed. It was all paid for. EXPENSE ACCOUNT Wo have practiced the wonted and tradi- tional economy of the company in every di rection; and _yet havo allowed 1o true iuter- est 1o suffer from false econon Tho ratio of expense of management to income for the year was 0,05 per cent; a ratio materially less than that of any other company. 1t is quite tho fashion for our rivals to ex- hibit expense ratios based on the amount at risk, or on the amount of new business writ- ten, or some set of figures other than the in come. But expenses do not come out of the amount at risk, nor out of anything else 10 the world than the income as fong as that is large enough for exponses and_other things: failiug that, they come out of the assets 1t is to be regretted that the most pushing companies no longer publish, excopt 1 the reports to insurance departments, such state ments of their affairs as show the items of income and oxpenditure,and as would enabio the public to judge of the (ost at which they are transacting businoss, COMMISSIONS, In the light of the revelations now being made to the vublic of practices existing in certain great companies inform our members that the commissions Ppaid by this company for business arestrictly maintained at the couservative standard of former vears: that our coutracts with agents do vot give them a future control vver these commissions: when an ageney ceases, tho remuncration for the agent ceases, and such commissions as ave then fixed upon the exist- iug business of that agency go to the new agent to assist_him in his work: we do not add to the cost of paying men who are at work for us by paying also men who have worked for us, after they get through: we do 1ot submit to Pay ENOrWoUs colmissions on new business in order to lot an avent who har got throngh working continue receiving »mmissions on DUSiness; WO huve no contracts for future commissions ugainst which “advances’ or “loans” or “‘commuted commissions” van be madeand charged up to the agent, to make bates” out of, or pa, absurd commissions and brokerages out of, ou # business which will presently bo sted” into some other liberal comvany by the sume competitive measures, leaving old members to pay for the ambitious ex ploit. The resources of this company are not wortgaged to auybody. It is true that in these days of fierce enter. prise and competition 1t has uot buen easy for us to secura agents against the tremen dous temptations held out by the *Rucor: But wo have been and are slowly wetting men who belicve with us, that suc i life insurance means and can only mean giving pure and absolute protection to fam ilies at its lowest possible cost: und tl competitive methods worthy of a lott scheme are poor credentiais for a compiny asking men to commit it to the most sucred of secular trusts. So the agents we have and get are true men, aud the business they get stays, and oays. ! 1 youmgor ones | OESS, Insurance is indemnity against loss. It is and can be made nothingelse. To give por- fect fudemnity at the lowest true cost is perfect success; not a brilliant success nor ono gratifying to an “ambitious manager” verhaps, but it is the only success there is in the watter, and anything that is substi tuted for it, however brilliantly it mav suc ceod for the timo being and until it bas worked itself out, will ultimately come to naught, “T'his *act is slowly coming to the light in the cose of the great TONTINE COMPANIES. “boom” their pusiness they ach men the sacred duty of pro- tecting their familios by hife insurance, and vegan instend to show them estimates of the FEBRUARY of | | up the revates. it seems proper to | | Paid out for death profits that might be made out of tho forfeit- ' ure of protection. Their experionce had shown that, in thew companies, out of s thou- sand men of middlo age taking policies, only about one-third would pay premiums for, say, twenty years; uvout oue hundred of them would die, out nearly six hundred of them would lapse—give up paying. So they proposed that no one should have any divi- dends for, say twenty years, but pay his pre- miums in fuli; that if any one died he should got the face of his policy, leaving behind all the dividends his policy had earned; and if any man lapsed —couldn’t pay —he should for- feit all he had paid, both the dividends earned and the reseives on his policp; at the end of the twenty years those who had been lucky ounough 1o live and pay through should divide bat the uniucky ones had left. is was called **Tontive Insurance;" this, or a modification of it, as to the amount for- feited, is now usuatly called *Investment In- surance,” It took mightily, The estimatea profits wero very large, and peopie did not realize, and porhups some of them did nov care, th the profit they might make was the loss of other men and of their families, and that in order to get a chance at it they had to risk their own monev and the protection of their own families, The reckoning day was far off, and agents were tempted by tremendous commissions aud by contracts that allowed of ‘udvances” and ‘‘commutations,” by mort- gagiug the company’s margins of premiums for many yeurs shead. Business increased in tho most brilliant manu such increase became the one criterion of success. It was hard for plain conservatives to make head against the swift rush. Tho elitter of big tigures and the rebates quite overbore such sober facts as the multiplication table and the moral law. But_in order to get lapses and forfeitures onough they Liad to force the speed, ana to forco tho speed they have had to burn their own cargo. Thoy competed with each other for business by increasing robates, and they competed for each other’s agents by increas- ing commissions and bonuses, and this sort of thing has gonoon until it swallows up practically all of the first premiums, leaving nothing to cover the cost of insurance; tho forfeitures to the Toutine orInvestmont fund are drawn on to pay deuth l0sses ang pro- vide seserves iu place of the premiums swal- lowed up in competition; the settloment of Tontine profits now being made are loss than one-half wnat thoy were estimated ar, and they are decreasing nearly every year; and:! you they are advertised as results “sufficiently tempt- ing to warrant men fii betting their own money and their familigs’ prctection to get a chinco at the diminisbine pool. Great as are the figures of surp'u: edver! s by these | ments are nearty threo and on 18, 1892 companies, they are less than balf what they wera expected to be, The 1502 settloments are at a notaols reduction from those of 1801, in cortain compaui~s at least. But hundreds of thonsands of policies have con- tributed their earned surplus and reserves, which ought to have gone 10 protect familios, to pay the growing expenses and the dwin dlivg sottlem The more their busiaess grows the more their cxpenses must grow and the greater wmust be the mortgage on the future by w of “advances,” ete,, to come out of poli holders. The manngers of the great ra recognize thi: and while in one vroath they glorify themselves ovor thoir great volume of business, in the next thev accuse each of compelling the other to raise the commis- eep agents from being stolen, to enable them still to steal agonts,and to keep ach confesses the absolute necessity of reform, the last phase of which 18 the proposition t0 sk tho lemslature of New York to interfere aud forbid any of them to go beyond a fixed limit of amount at visk, s0 that 1o ono can get ahead of the others, What more startling st estion can be made of the tremendous strain which they find themselvos under, and of their own con- scious inability to reform¢ It reminds ous of the debauchee who asks to bo put under restraint until he can recover sobriety and self-control. S0 the world learns again by slow and paiuful exporience that tho dull, plain truth is trua and alone is abiding; and that the only thing in insurance worth paying for, and the only thiag worth trying to get out of it, is insurance and nothing moro CONDITION OF THE COMIANY. The real strength of the company is not fully stated in the figures of its assets and surplus, large as theso aro and_cortainly worth as they are their full faco. On the ono hand, our assets are conservatively valued: ou the other nand our Labilities ace comput- ed by a far strictor standard and at a much larger relative amount than is the case inany other company. Our reserve liability on ail business written since April, 1852, is comput- od on the assumption that we will earn oniy 3 por cent interest, instead of 4 per cent, as is ussamed by all other companies and by the soveral State Insurance Departments. \We carry as a liability, therefore, 10 reserve for the future protection of oue contracis, some £0,000 more than any other company would do on their present basis, ana more than the law requires; and tnis differonce in our strength inereases rapidly each y When it 15 remembered that many of the contracts we muke today will not mature for fifty, sixty or even seventy vears hence, the im-~ portauc: of basing them on a rate of interest that is cortain to be earned all that time can not be overestimated. Nor can the forocast of the chances of adverse chango be made too early. It1s a ceaseless satisfaction to us that this buttress was so early added to our structure and is already carrying so much of its bulk. We can look forward to the fu- ture without anxiety. SUMMARY. I the forty-six years of its existence the Counceticut Mutual has— Received for premiums. Receivea for interest rents...... = Reeoived for balance protit and S otion 3 and Total receipts. ... It has, losses and L. 8 51,380,001.12 40,793,042.00 endowments aid out for dividends. uid out for surrenvered cies o S poli- « “Total naia policy holders.. §15 Ilxpenses... ¥ Taxes Total disbursements ..., $170.444,005.64 Balauce netnssets,Jan. 1,1802.. § 58,207,701.58 Wo ask attention to several notable fea- tures of this record. The company has al- ready returned to its policy holders 80.55 per cent of all the premums it has received from them: what it has returned to them and the net assets held to protect existing policies, ageregating $200,858, 88, exceed what it received from them by 1,104,702.50 has returued to them, and w them in net assets alone, omitting that go to make up the total are 1243 per centof what it has re- from them: its receipts from invest- nalf times its expense account, which 15 only 8.5 per cent of its total receipts; a record of usefuluess, economy, conservatism and streneth to which we cnallenge comparison. Respectfully sub- mitted, ceiv Jacon L. Gueese, President. A VICTIM OF TREMENS. wte of an Unfortunate Prisoner With Place to Rest, Charles Anderson, a victim of delirium tre- mens, who has been locked up at the city jail for the past two gdays, attempted to butt out his brains aganst the bars of his cell yester- day morning and succecded in injuring himself very severely. o was or- dered taken to the county but after reaching there the jailor = re fused to roceive him as the necessary pa- vers did not accompany tho patient, and he was driven back to the city jail m an uncon- scious condition, The old wrangle botween the city and county as to the rosponsibility of caring for anfortunate strungers or pauvers was at the bottom, and itis by no means ' improbable that the sick maw’s life will be bounced out of his body while bewg bhawked about the ty in the patrol wagon to give the city and county officials time to setile their differ- ences, e Dr. Birney cures cutarrn, e Very Annoying Mistuke, Tuesday afternoon, just before time for the paper to go Lo press, a telephone message was received at Tui Bus ofice anuounciug tho sudden death of Pat Hinchey, the vet- eran policoman, The party receiving the message understood it as Pat Heafey and a brief noticn was inserted stating that Pat Heafey, the well koown undertaker, had died suddenty. ‘The publication created great surprise among Mr, Heafey's friends, particularly as the 1tem statod that the deceased left a wife and ton children, 1'he statement was trua as applied to Mr. Hinchey, but did not fit Mr. Heanfoy's case at all, as he is yova bachelor. He very much regrets the publi cation, which has caused him no end of an- noyance, BEE bldg i Van houten’s Cosos ~Tas original, most soluble. B Bullding Permits, The following permits were issued yester day by the superintoudent of building: JA ne-story frame cottng 4713 North Nineteenth “siroot. Hagh MeCaffroy. chango of stors front, 100 Souuh Sixteenth stroct « * 1,000 50) Total...... Hot Griddle Cakes. Dr. Price’s Cream Baking Powder possesses a peculiat merit not approached by that of any other baking powder. It produces’the hot buckwheat, Indian or wheat cakes, hot biscuit, doyganuts, waflles or muffins, Any of these tasteful things may be eaten when hot with impunity by persons of the most deiicate digestive orgar Dr. Price's Cream Bak- ing Powder leavens without firmentation or decomposition In its preparation none but the purest of er m of tartar, so. da, ete. is used, and in such exact equivalents as to always guarantee a perfectly neutral result, thereby giving the natu. ral and sweet flavor peculiar to buckwheat and other flour that may be used, the natural flavor so much desired and ap preciated by all, The oldest patrons of Dr. Prices powder tell the story, that they can never get the same results from any other leavening agent, that their griddle cakes, biscuits, etg, are never so light and never taste so sweet or so yood g whea raiscd with Dr. Prices Cream Baking Powder, HowLING SuccEss, FAIRBANKS SANTA CLAUS SOAP OwES ITS REPUTATION ANE SUCCESS T0 ITS OWN MERITS. IT IS PURE , UN ADULTERATED,AND FOR RAPID CLeaNsING POWER HAS NOEQUAL. KITCHEN & LAUNDRY. SoLD BY ALL GROCERS. N-K-FAIRBANK &CO- IT IS INVALUABLE. IN LEAVES A DELICATE AND LASTING ODOR. An deal Complexlon Soap. For ealo by a1l Drugand Faney Goods De unable to procure this W eents in stamps and receive a cake by roturn mail, JAS. S. KIRK & CO., Chicago. SPRCT Shandon Bells Walts (tho populat Soclets Waltz) sent t0 nnyone sonding ue s Of Shaudon Bells Soap. at any time with DOCTOR ENCLISH RENIEDY IT WILL CURE A GOLD IN TWELVE HOURS; A 25 cent Bottle may save yo £100 in Doctor’s bills—may sav your life. Ask your Drug; for it. IT TASTES GOOD. Dr. Acker’s English Pills CURE, BILIOUSNESS, mall, pleasant, o favorito with the indles. W. I, TIOOKEIL & CO , 40 West Droadway, or sale by Kuhn & Co. & McConnell, Omaha. and Sherman [ THE DREADED “GRIPPE, RELIEF AND CURE. A BENSON'S PLASTER placed over the Chest and another one between the Shoulders insures not only immediate relict, but quick- est cure for those M ulur Pains that, acoompuny, the Grippe; all Rheumatic Paing s way like magic, Wean ng BE! N'S Plasters pre vents the Grippe during a contugion. 1t 1 the only trne medicinal porous plaster. 1t is not a nostrum inany sense. Indorscd by over 5,000 Phys) ciuns and Druggists. Don't allow Commercial Druggists to palm off cheap substi- tutions the genuinc BENSON'S and you wiil not bo disappointed. ho Shall Wear the SUCCESS? e S 1 1t be he who founds cities, bullds rail- ads, develops new countries, amasses a co- lossal fortune In the money centers and fills a position of honor in the councils of the nation? Or shall it be those who devote their time, their energy, thelr talents, their very lives to the welfare of suffering humanity? Sball It be such men as who, in thelr philanthrople endeavor to bring bealth aud heppiness to the affiicted, have at the same time won fame and fortune for them. selves, as well as that still greater reward, the gratitude of the many thousands they have restored to health? Let the answer come from those happy people thewmselves. In every cass of Nervous, Chronig on Private Diseases ‘They eflect ypeedy a0 permanent cures Send 4 cents for handsomely llustrated 120 page book. Consultation (ree. Call upon oF address Drs Bt & Bell 110 South i4th 56, N 1t | | f CHICAGO. Sore Throat Lameness Sore Ey Soren Cat Brug B, , Cu#} 0 Piles /& Female O Complaints Rheumatism AND ALL Inflammation Sold only In our own bottles. ANl druggists. POND'S EXTRACT CO,,76 5th Ave,, N.Ye WEAKNESS:MEN QUICKLY, THOROUGHLY, FOREVER CURED by’ & new perfocted scientific | mothiod that cannot fall_unless tho 18 _beyond human You foel lmproved hofirst dny, feel a berios it overy day': soon know yourself a King amony n in body, mind an art. Drains and losses endod, Every obstaclo o happy married 1ifo ra- .” "Norve force, Wil onlorgy. bruin powery when failltig or 1ostare Tostored by this treat mont. Al smaliand weak ortions of the body one arged and strengthened, Victims of abuses and excosses, Toclaim your munhood! Sufferers from folly overwork, i health, regain your vigor! Don't despair.oven iT in tho lust stages. Don't bo dishoary ened if quacks have rob- bed you. Lot us show you thatmedicul scienco and business honor still exist; hero go hand in hand. ‘Write for our Book with explanations & proofs, deculed froo, Over 2,000 roferences, MEDICAL C0., BUFFALO, N. ¥, FELIX GOURARD'S ORIENTAL CRREAM. Oit MAGICAL BEAUIFIE I Kemovos Tan muics Krock. 1os, Moth Patche el wnd Skin Disenses, and every blom tsh on beauty, and deties detoc' ton,. it hug stood the testof 40 years, and Is 80°haroi less we tnste, to be snra It 18 properly made. Accept no coun'orfeit of shnllar nnme, Dr. L. A, Snyer anld to'w lady of g tho huut-ton (a “As you lndles will use them I recommend Aul's ¢ s tho lenst hurmful of all tho skin proparations " For swle by all Drugglsts and Fanor Guuds Dealors 1 tho Unlted” States, Canudas and Lur FIRED T HOPKINS, D rop'r, 37 GreatJones St., N. SANDALWOOD CAPSULES aro the best and only capsulos presribed by onorrhm and _Ischargos fromthe urinnry organs: ver est casesind days. $1.00° per box. Al drugglst DR. J. E. McGREW, THE SPECIALIST, 15 unsurpassed in the trovment of wll cases o PRIVATE DISEASES, and all disorders and debiiities of youeh and manhood, 17 veurs' experience. 15 resources and facilities ire ctio iy untimited. The Doctor s rece by the press, and endorsed in t by tho peop o for fair tre: ment ug v profossional wdvice. The most powerful romedios known to modvrn silenoo for the successful trentment of the following diseases: GONORRHOEA - Immediate reliet. plete cure without the loss from buslucss. GLEET--One of the most cowpiote and suc- cessul treatmonts for gloet and all annoying dischurzes yet known to the medical profes wlon, " Tho rosalts aro traly “wonderful, Tho wost stubborn andchronlo cases where the discharze hnd oxisted tor yours. entirely oou- trolled in a remarkibly short tlme STRICTURE- Greatest known remedy for the trestmont of stricture. without pain, cut- ting, or dilating. A wost remarkable rewedy. SYPHILISNo trestwent for this torrible Blood disense hus ever boeu more successful, or hud stronger endorseients, [ the light of modern sclenco this disease fs positively Ccurable wnd every traoe of the polon antirely removed from the blood. The cure s complets aud permanent. LOST MANHOOD, nud ambition, neryous- Doss, tinddity, despondency and all biighting dffects of curly vice. Roliaf obtained at ence. “The weuk grow strong. and the despondent by e cheerful und hapLy. SKIN DISEASES, ani all discasos of the blood, tver, kiduevs andb tadder ure Lee successfully with the grestest Kuown reu for these d’seasvs. Write for cireulars and question list free DISEASES OF THE STOMACH - Dr Motirew's treatment for disorders of the stomnach, bus the unqualified cndorssiaent of tiose who huve been cured. Cases that had sufferod for years and unbie Lo Wowk without increasing toelr cured. The remedios wie plesnt and pul- wtuble to the most delicate stomach. Iith and Furonn Sts, Omaha, Nob, Lutrance os sither strevh. A com- an bhour's time