Omaha Daily Bee Newspaper, March 4, 1894, Page 11

TR et el Py P i N o 2.8 | INSURANCE AND ITS COST Bome Figures Taken from Official Reports and What They THREE YEARS OF GREAT PROSPERITY how, Capital Almost Retarned In Net Profits— Rocks Encountered In 1803 Ex ence of Companies in Nebraska During Two Years. “One of the favorite attacks made by newspapers 18 in the direction of showing w enormous profits the Insurance com- panies are making. * * * The paper that takes payment for a future Issue, or for a future advertisement, would nct im- mediately strike a balance and claim the present Income as its profit, and yet such ls the usual course pursued in dealing with in- surance -figures. The future liability has been ignored.” ¢ * ¢ This 1s the complaint of a recent writer on insurance top'cs. He finds that news paper writers do not give the public such figures as would pass Inspection of an fnsur- ance accountant, There is probably thing in this. When a newspaper publishes a tabulated statement it aims to make its figures so clear that “he that runs may read” and, reading, understand. It does not try to becloud plain facts with a shroud of misty hypothesis, In what it has hither- to given to the public The Bee has only printed plain figures, There has been no attempt to deny these; only to explain. The fmputation that an insurance policy s a con- tract of the same nature as one made for newspaper subscription or advertising has so little welght it dly need be noticed. Business men need only compare their ex- perience with newspapers and insurance companies to appreciate how far-fetched the fllustration is. An insurance policy is only a contract to pay a certain amount under certain conditions, and that the company does not anticipate paying the amount at all 18 evidenced by the fact that for so small a sum as 1 per cent or less It assumes the ri’k. Only in the remote contingency of fire s the company liable. If a policy was an absolute contract to pay, with no saving it panies would, according clause, insurance ¢ to thelr own statements, be unable to return more than 75 per cent of the premium col- lected, and as this rarely exceeds 1 per cent of the amount named in the face of the policy, the probability of settlement in the light of “future lability"" s apparent. RISKS AND THE PROFITS THEREON. Whatever else may sald, 1t is true that the Insurance companies, prior to 1893, found the rates at which they assumed risks sufficiently remunerative. That this is true may be seen fre a glance at the following Ggures, which are from the books of tl auditor of Iowa. They show the whole busi- pess done during three years by the com- panies doing business in Iowa. Here are the figures: be Yoar . Premiums Collocted. 180, $130,811,790 10 TG Gy 129,10 1 160,177,101 Totals. During the rate charged for the cont, the companies assumed as risks the enormous sum of $4,303,928,469,600. ~The ab- surdity of cons'dering this in the light of a “future lability” is apparent. For each of the three years there was in force almost $1,500,000,000.000 of Insurance. These are probably not such figures as the insurance accountants are in the habit of dealing with, but they illustrate very fairly the theory that in writing a policy the company has assumed a future lability. As to the matter of profits. During these three years, for each 47 cents returned in losses, the companies collected $1 in premi- ums. This was at a rate of premium which 15 now deemed not remuncrative. In these three years the companies collected $227,927,~ 140.00 premium in excess of losses. An $120,302,846 90 years, it the average insurance was 1 per three for taxes, auditor's fees, and the like, Others managerial expenses, agents' commissions, place the cost at a lower figure, some as low as 25 per cent. But accepting 35 per cent as fair, deduct that amount from the gross premium, and there is left for net profit the modest sum of $148,153,641.39. This is the profit for three years on an approximate capltal of $150,000,000. It is an average annual income on that capital of $19,381- 537.13, or a trifle over 32.26 per cent. This Is a little more than 2% per cent a month. In these times, when money may be had as low as 5 per cent a year, this rate of income must strike an ordinary mortal as a pretty falr return, even considering the existence of “future liability.” A plain, common, every day shark would give the road to this sort of profit scooping. But the insurance people do not always do this well. Like farmers, they have their good seasons ‘and their bad seasons. They struck one of their bad seasons in 1893, Returns are not all in yet, but from the way in which the companies have been pushing up rates in the last six months, seem that they efther expected to have an- other bad season this year, or to get even at one fell swoopand bring the low average profit of 1893 up to the figure that represents that of the last three preceding years, In Nos braska, nineteen companies have made their reports to the state auditor so completely as to be ready for publication. It is thought that all will be ready to give out soon, The figures which are here given show what all the stock companies doing business in Nebraska in 1892 did. Mutual companies are Tot included in these table Risks written $137,564,819 Premiums reecived it 10,826 Losses incurred w o nosn pmses pald K 542,085 xcoss of | premiums collected” ove Tosses patd 1,266,891 Percentage Of promiums collected e turned In losses paid A NEBRASKA LOSSES COMPARED. 1t will be noted that in 1892 the losses In- curred by companies doing business in Ne- braska exceeded by $216,742 the losses pald. 1t is not in the province of The Bee to dis- cuss how or why this was brought about Insurance adjusters are a well pald class and, like providence, their ways are in- utable. But they certainly saved their alaries to their companies in Nebraska that year. Nobraska now has a valued policy law and the adjust occupation is in a measure gone. The net profit to the companies for that year was 27.02 per cent. Of course this fsn't a groat deal, but most people would be pleased to do as well each year, There is quite another story to tell for 1893. Nineteen companies report Risks written ({5 L 319,200 PromiumB ORIV, erererirrsrsesssssrin Losses pald Excess of premiun i cont ' "of rned 1 108808, .00 In this instance the profit w wrong side of the ledger to the tune of elght-tenths of 1 per cent. 1In 1892 these nineteen companies did business in Nebraska as follows: Risks written collecied over 1 0,785 miums collected ré - 1.8 t to the s, Premlums received A 39,212 Losses pald 7108 Excens of premiums cotlected over losses 169 collected e ser cent of premiums P ursed 2 0.8 During 1892 these companies derived a net profit of 30.2 per cent on their Nebraska business. In 1893 they wrote §$310,647 more business than in 1592, collected $2,475 more in premiums and pald $76,859 more in losses. To enable the reader to compare for him- self the exuct ratio of the two years' busi- ness done by each company The Bee here prosonts a table giving the figures reported by the companies to the state auditor WHAT THE TABLE SHOWS, From these figures it will be seen that most of the companies came out_even, many of them being a little ahead. The Sun Fire Offico of London got it pretty hard, its losses being almost double the amount of its premiums, It is managers in London affairs wholly to the losses & unt to a little m per cent on the total risks writt per $100, a rate that is very seld. ha that the state of for dly proba tribute thi: the low rate charged, | of in connection with an acceptable ris! The St Paul I and M quadrupled its business in 1 losses increased from $181 to its premiums had inc sed from $3,726 to $12,306. This still leaves It $5,308 to the good fr which to pay its agents, though when the company contrasts its net profits of $1,203 in 180 ainst $2,364 cleared in 1892 on one-fourth of the business in Ne- braska it very likely thinks that rates are too low To add the profits of the two years together and be content with saying its average net profits from Nebraska bus ness is §1,783 ncver occurred to its man- agers. In the case of the Phoenix of Hartford the figures appear quite different. This com- pany let some Nebraska business go in 1893, collected $2,000 less in premiums, paid $2,000 more in losses, and yet found itself with $21,538 to carry to the profit side of the ledger gained in Nebraska during a bad year at ‘“low rates Its neighbor com- pany, the Hartford of Hartford, found mat- ters ‘different. 1t also let some Nebraska business go. It collected about $1,100 less in premiums and paid nearly $13,000 more in losses, its profits dwindling from $39,304 in 1892 to $25,839 in 18 Deduct cent from these figures for expenses, and it must be admitted the remainder will'show a fairly satisfactory condition of affairs. There is a most decided contrast in the ex- | perience of the companies whose reports for the two years are placed side by side in the table. It will well repay a careful pe- rusal, and a few moments spent with pencil and tablet may convince you that the valued policy law and the low rates are not what is at the bottom of the insurance companies’ trouble in Nebraska. ILLINOIS AND CHICAGO BUSINESS. One hundred and forty-two insurance com- panies did business in the state of Illinois in 1803. Their reports now on file with the insurance commissioner of the state show the following: Premiums collected in 159 Losses incurred in 1893 tavoes $ATES Excess of premiums.. o od Foturncd n Per cent of pre 108868 AL ceern Cost of cotlection (estin Net profit to the companies, This small profiz of 1)8 per cont net in a business of $12,507,232 is not satisfactory to the companies. They have ordered a raise in rates in Chicago of 25 per cent. Just how this will pan out is not yet determined. There Is a great protest against the increase from Chicago business men. In addition there Is a dispute between Fire Marshal Sweenle on one side and the agents on the other. Sweenie says the gross premiums written amount to $6,000,000, whereas the insurance men claim they did not reach last year more than $4,800,000. Again the chief says that it cost Lt $1,0)0,000 (7 seoure the business. The agents say it cost nearly $2,- 000,000 to write $6,000,000 insurance. On a basis of Sweenie's figures the companies want to increase the cost of protection to Chicago merchants from $6,000,000 to $7, 500,000, while the cost of collceting this crease remains the same. This would sure” an additional profit to the companies of $1,500,000, or a little more than $10,500 cach for the 142 companies doing business in the state. It is extremely doubtiul if Chicago will stand the drain. Chicago was especially unfortunate in the way of fires last year, one at South Chicago burning over several acres in a single afternoon, destroy- ing millions of dollars' worth of property, entailing probably more than half the total losses suffered by the companies in the state during the entire year. YOU MAY WONDREQ AT TUH'S, It is not the intention of The Bee to dis- cuss In this article the methods of insurance companies in transacting their business, further than to point out the results of the methods as shown by the figures. These, it would seem, have been pretty clearly estab- lished. The good years and the bad years have been placed side by side, and the reader may draw his own conclusions. It may occur to him that the cost of collecting premiums is a rifle steep. He may wonder why It should cost $1,000,000 or $2,000,000 to collect $6,000,000 in a district so compact as Chicago. He may even wonder why some effort is not made to reduce the cost of in- surance in this respect. He 1 wonder why a net profit of 4.98 per cent of the whole business done in one state Is not sufficient He may wonder if any of those companies now complaining recall the wondertul pros- perity of 1880, 1891 and 1892, during which time their capital stock of (estimated) $150,- 000,000 wag almost returned to them, allow- ing the extreme estimate of per cent for the cost of collection. He may also wonder why agents will plaster policies on buildings against the erection of which they have pro- tested, and which they know to be unsafe, “in- and then point to the destruction of thaf building as an evidence of Omaha's lack of fire protection. It might also occur to him that there fs hardly a fire trap in Omaha that is not well insured, and he might won- der why the owners of well erect 1, prop- erly protected buildings should be made to bear the burden cast on the companies by the man who moves Into an unsafe building and lets his policy in some well established company protect him. An insurance policy 18 rarcly lost wlien everything clee is burned, And finally, he may wonder what, when th city 18 s0 protectad tlat total loss by fire i8 no longer possible, will be the need of in- surance. It fire Is wiped out the insurance companies will soon follow. - CHELOR'S SATIRE. A B New York Press, Oh, T am a bachelor, living alone, With no one to kiss me and call me her own, Or say, when till midnight the city T roam: “Well this 18 a nice time of night to come home A stranger T am, T confess, to the joys Felt by fathers when young ones are mak- ing a noise; I have never known the delirious delight Of walking the floor with a baby at night; | I have no affectionate mother-in-law; In calling from slumber a_servant girl raw At 8 In the morning, I waste not my breath, And yet T'm death not fretting myself half to An advocate of electrical cooking claims at of every 100 tons of coal used in a cooking stove ninety-six tons go to waste, - DeWitt's Littlo Early Risers, safo pitls, best pills, Small pllls, THE OMAHA DAILY BEE: SUNDAY.C MARCH 11 THE SWEDES IN NEBRASKA T 70 Prosperous and Progressive Scttlements in Hamilton County, EXTERNAL EVIDENCE OF ZEAL AND GRIT Historieal Review of Plonecr Work What Was Achieved In Twenty-( Examples of Indus- trial Thrift, and © Years The Hamil first n county ley, near the sc Jarvie Chaffee upon section 34, permanent settlement made in was made In the Blue val- line of the county. and George Hicks settled township 9, range 6 in the month of June, 1866. Mr. Chaffee buiit a dug-out, which was the first residence in the county. e Andreas history of Nebraska records n locating on section 22, Lincoln creek, as early as 1869, but the one George E on real Swedish immigration into the county not commerce before 187 The oldest Swedish settlement in the county is in the northeast corner thereof and Is, in fact, a continuation of the Swede Home scttlement in Polk. August Carlson, who lives over the line in Polk county, was In fact the pione ttier in this settlement, locating on his homestead in 18 He came from Ottumwa, Ta. Dur- ing the same year the following pioneer set- tlers located on their homesteads: A, P. Johnson, who came from Coal Valley, IIl., but is now living at York, owns 240 acres; August Anderson, from Borgholm, Ia., now dead; August Lind, now dead. Among those who arrived in 1873 were: P. Benson, from Ottumwa, Ia., who is now a merchant in the city of York; Charles J. Reed, from Knoxville, 11, Charles Swanson, Peter Erickson, H. P. Miller, from KEddy: ville, Ia, and Gustaf Carlson, from Ot- tumwa, Ia A GARDEN SPOT. This sottlement strikes the visitor as be- 1g the garden spot of the state, for a more beautiful farming landscape the eye rarely views, and what enhances the charming as pect is the profusion of cedar trees planted around nearly every farm house 'hree Swedish churches in this settlement at- test their characteristic devotion to the service of God. Prosperity and thrift are noticeable every- where in this community, and although the majority have not been here more than twelve or fifteen years, they have their farms in the highest stage of cultivation and with good improvement: That they appreciate the land is evidenced by their ambition to become owners of many acres. Charles Ostrom, who commenced his farming here with only an ox team, is now the owner of 240 acres. Peter Erickson, who had to bor- row money to reach Illinois with his family from New York, and had to work at first in digging draining ditches, is now the owner of 600 acres, all well improved, well stocked and in debt to no one. August Carlson, the first settler just over the line in Polk county, owns a magnificent farm of 280 acres. S. I. Benson, one of the early settlers, as a reward for the privations and struggles of a pioncer life, is now the proud possessor of 480 acres of as fine land as the sun shines upon. Within three-fourths of a mile of Mar- quette lives the thrifty and successful armer, Peter Hedbloom, who came to Ham- ilton county (hirtcen years ago not over- burdened with riches. He is now the owner of a 320-acre farm, adorned with a fine residence, arns and outhouses to match, a larga orchard surrounded with fruit and evergreen trees. In the vicinity of Mr. Hedbloom lives Andrew Johnson, who came from Swede Bend, Ia., fifteen yea ago. He is the owner of a well improve 240-acre farm; also Pete Thorell, who came thirteon years ago, direct from Sweden, the possessor of a fine 160-acre farm. CHURCHES. As already stated, this Swedish settle- ment in the northeastern part of Hamilton county -has three church organizations and three church edifices. Coming from the east the first one reached is the Swedish Baptist church, organized in the year 1879, Peter Carlson acting as chairman and Charles Sandquist as secre- . H. P. Miller was elected elder, and Nelson Frojd and John Benson as deaco The church structure was built in 188 size 80x40 feet, with two wings, each 12x16 feet; cost, §2,400. The following pastors congregation, . e.: Revs. C. J. Chader, A. F. Palm, P. Berggren, O. G. Necker, L. Arlander and C. J. Chader, the present pas- tor. The Swedish Mission Covenant was or- ganized in 1889, at which time the folloy ing officers were elected: Trustees, John Jackson, Olof Hedlund, A. G. Isaac- son; deacons, Abe Carlson, David Swenson, As chairman of the meeting was Peter Hedbloom and August Hornett as secretary. The church was built the same year; size, 24x36 feet, and cost, $1,000. have served the The Swedish Evangelical Lutheran church has an elegant and roomy edifice in the center of the settlement, together with a fine parsonage, but there has been a va- cancy in the resident pastor and I failed in finding any one who could furnish the church statistics. In the center of the settlement is postofiice of Stark, with C. 0. Rydson postmaster. The postoffice is kept In the store of Rydson & Hawquist, dealers in general merchandise. Mr. Rydson's father is one of the early settlers, locating here in 4873, Christ Sorenson runs a blacksmith shop close to the postoffice. THE SHILOH SETTLEM Southwest of Marquette Is located the second Swedish settlement in the county around the Shiloh postofiice. It is also called “The Chicago Settlement,” from the number who came from that city and made their homes here. This settlement was made, government land was taken, Nordgren and Mr. Rylander, known land agent of Chlc instrumental in inducing ' thousands of Swedish fmmlgrants to make their homes in Nebraska and other states of the west. Mr. Nordgren himself became a resident of the county and Is the owner of 1,960 acres in this county. One among the first scttlers in this set- tlement is A. P. Moberg, who came from Peinceton, 1L, in 1879 He emigrated from his native soil in 1871, arriving in this country empty-handed, but possessed of a laboring man's capital, a good, healthy constitution, strong arms, a determined will, and In addition thereto a good judg- ment and business sagacity. A little over twenty years ago he started life $50 worse off than nothing, today he is the owner of 400 acres of land, with fine improvements and well stocked and pays annually $100 in taxes. He contends that he has accom- plished all this against heavy odds and un- favorable legislation. He 18 a staunch and zealous_independent. Olof Swanson came one year earlier than Mr. Moberg, in 1878, and was from the city of Chicago, where lie dled during the year 1893, Swan Youngquist, the wealthiest Swede in the county, came from Wyanett, Iil, in the year 1879, 'His father gave him cighty ucres of land in Illinois; this he sold, and with the proceeds made his start in Hamilton county, He Is now the owner of several fine farms, aggregating 800 acres. He is one of the most highly respected citizens of the county. Jan Youngquist also came in 1879, Princeton, Ill,, and owns 320 acres did P. Skogsberg and Henry Bergg from Chicago, 1ll, the former owning 2 acres and the latter 32). Charles Anderson arrivad in 1%30 after anc year's sofourn in Chicago. He owns 160 acres. Ap Oberg also came in 1550 and owns 160 acr Among those who came in 1381 were L the as m, after_all the by John G. the widely 0, Who has been from und so n, both Olson, who tarried a while In Suunders county and bought his land in 1880, He possesses a fine farm of 160 acres. Andrew G. Gustofson came from Chicago, but had tried his luck also n the statss of Tennassoe and Mississippl, b1t s now fally sutisfied with his 240-acre farm in Hamilton connty; K. P. Swenson, from Princeton, 1ML, 1 Jolces In the Jc 160-acre farm Among the arrivals in 1882 were Alt Gun- ssion of a well tmproved MA 4. 1894-TWENTY PAGES. ¢ HAVANA GLU HOLDING HIS OWN. Ho is holding his own With great satisfaction, And driving his rivals i —ee CIGA Attention is called to our celebrated brand of cigars, the HAVANA CLUB; which our experience justifies us in saying will meet the approval of the most fastidious smokers, It is a first~class, hand- made, long FHavana filled cigar, for a nickel, Free from Arlificial Flavors and Poisonous Drugs that are so commonly substituted for the NATURAL ARONMA of the fine tobaccos which constitute this un- rivalled cigar. We are confident, judging from the increasing demand that all appreciative smokers will pronounce the HAVANA CLUB the best 5-cent cigar on the market. The list of over 100 first-class dea'ers of this city, whose names and locations are affixed be- low, is an ample assurance that the HAVANA CLUB Cigar is unequaled. Smoke it and be convinced. =7oay Almost to distraction, With the grip of both hands He holds tight on his knecs iis bride of the future Whom he won with great ease. When this treasure he wen, “;om those rivals he beat. ihe did never get stuck On the size of his feet. {1 was plenty of cash Vhich gave him this snap, And you see that he won i he great race by a D! p. 13ut those girls that are bouclit cry often prove fickle, s0 many cigars L't are bought for a nickle And this brings us rizht down T'o the subject in hand:— The superior grado Of Havana Club brand. It old far and wide FFor the half of a dime, And in “holding its own,” It gets there each time. L. E. PEYTON, 2ith and Leavenworth sts. | M. ROTHSTEIN, 4th and Woolworth avenue. t J. B. CONTE, 10th and Hickory streets. A. D. KEIWITT, 20th and Plorco sts, PAXTON, HULETT & DAVENPORT. Mer- | W. HOLDORF, 1711 Leavenworth street. J. B. CONTE, 16th and Martha streets, KULLEY & DONOHUE, 2206 Farnam st. chants hotel, L. JANKOWSKI, 3411 Leavenworth street. J. W. CLARK, 1301 Park avenue. KAER BROS., 1022 North 16th street. S. PERSELS, 935 North 2{th street. D. MICHEALS, 602 North i6th street, 3. D. EVANS, 1220 North 24th street. ol LALLY, 1108 South 16th street. H. J. POTTER & CO., 2704 Cuming streot HEIMROD &HANSON, 701 North 16th street [ A. A. EASTMAN, 1416 North 24th strect. | ppNRY LEISGE, 2812 Leavenworth st. J. F. PETERSON, 708 North 16th street. A. ANDERSON, 2213 Cuming street. G. 8. ERB, Mercer hotel. LANGE GROCERY CO., 606 South 13th st PALACE DRUG STORE, 18th and Nicholas. | J: A. FULLER & CO., 14th and Douglas sts. [ F. W. FOGG, 12th and Capitol avenue. JOHN LEMLY, 1260 South 16th streot. 7. B. RIPPEY, 20th and Pacific stree C. J. FRICE, 13th and Douglas streets. M. J. FRANK, Midland hotel. B. B. NEWMAN, 2208 atreot: RISLEY BROS., 105 North 16th street. KUHN CO., 16th and Douglas streets. SAMUEL H. FARNSWORTH, 220 & Cuming. [ . ¢, NORRIS, 1406 Farnam street. C. G. RAPP, 20th and Grace streets. KINSLER DRUG CO., 16th and Farnam sts. [ JOHN J. FREYTAG, 1614 North 24th street. | g1 A, NELSON, 1905 Cuming streot. SAMUEL ROBINSON, 416 North 16th street, | LESLIE & LESLIE, 16th and Douglas sts. | WILLIAM GLADISH, 12th and Dodge sts. | nr NEWMAN, 212 North 16th strect. O. B. SATTERFIELD, 720 South 16th street. | MOCKELSTROM & CO., 16th & Capitol ave. | WILLIAM GENTLEMAN, 16th and Cass sts. [ A NEWMAN, 16th and Corby streets, OTTO SEIFERT, 15th and Harney streets. | M. PARR, 10th and Howard streets. C. B. GURNEY, 24th and Seward sts, NEW YORK LIFE BLDG. CIGAR STAND, J. H. SCHMIDT, 24th and Cuming strect SHERMAN & McCONNEL, 1513 Dodge st. | JOHN GUILD, 1239 Park avenue. CHARLES OLSON, 1516 Webster street. SNOW, LUND & CO., 16th and Farnam sts. | p, W. J. SHRADER, 24th and Seward streets. Naorth 24th street. SOUTH OMAHA. ANDERSON BROS., 718 South 16th street. I 9019 K ¢ atree GEORGE SCHESCHY, 1918 Cuming street, | ANDERSON DR outh 16th street. | g gAHN, 2012 Farnam street. CHRIS MELCHER, 24th & N, South Omaha JOHN STUBEN, 17th and Nicholas streets. | A. C. ADAMS & CO.. 2504 N. 2ith st. W. F. HARBERG, 1220 Farnam street, RN £ S h Gty P. STRASSBAUGH, 19th and Vinton streets. | T. R. BRADEN & CO., 2403 Leeavnworth st. | G. H. HAYNES, 16th and Webstor streets: | DR. H. J. ABBERLY, 734 24th, So. Omaha. H. C. BETTERMAN, BISHOP BROS., J. BRANT, 13th and Howard sts. G BELL'S DRUG STORE, 13th & Howard sts. C. B .BRIDENBECKER, 113 South 17th st. BISHOP & OSBORNE, 2123 Military avenue. 1437 North 24th Kyner st. . H. SMITH, 10th and Pacific streets. st. 17th and Leavenworth GEORGE STRIBLING, Tth and Pierce sts. T, STRIBLING, 15th and Capitol avenue. J. P. TARPLEY, 1320 Douglas street. M. F. TIMMS, 13th and Davenport streets. JAMES TIMMINS, 20th and Lake streets. HOWELL & SONS, streets. CHAS. HASBROOK, 2421 Cuming street. MRS. J. T. HAST, 18th and St. Mary's ave. M. L. HYLEN & CO., 20th streets. I E. FROST South Omaha. W. 0. GRIFFITH, South Omaha. CHARLES HINZ, South Omaha. J. G. HAYZLETT & CO., South Omaha. LANANGER & CO., South Omaha. } C. M. SANFORD, South Omaha, 7 Sherman ave. and Castellar WILKIE & SAUTTER, 20th and Pierce sts. | F. H. BUFFETT, 815 South 14th street. HELIN & CO., 2526 Cuming street. CHARLES TRUAX, South Omaha. WM. VON WEG, 224 and Leavenworth sts. | R. B. CAMPBELL, Bee building. S. B. HOWELL, Park ave. & Leavenw CHARLES STARR, 2ith & N, So. Omaha, W. T. WHITE, 16th and Dodge stree WM. CATLIN, 115 8. 14th & 508 S. 13th s JERPE & NOID, 1231 North 19th street. E. J. SEYKORA, 24th & N, South Omahs ANTON CAJORI, 601 Pierce street. 7. 8. STO KING & CO., 27th and Leavenworth HOBART WILLIAMS, 1407 Douglas street. , 2406 N, South Omaha. STEELE-SMITH GROCERY GO, ., Cigar Department, Omaha. : e nerson and Charles Peterson, (he latler ) world about April 1. His itinerary will take from Chicago, at-1 boti owners of 160 acres. | him westward to Honolulu, then to New Among those who came in 1332 were John | 7 1, Australia and India. M. Veterson, although Ie bought his 160 Dr. Talmage’s income has been about acres in 1882, Jubno Prisc also came the f ¢50 000 annually for sqveral years. Of this same year. amount s his salary in the Taber- Swan N. Peterson and A. G. Fleming | jaele, the publication of his sermons, con- came in 1884, boih from Chicago. I, the | triich by two syndicates, between $8,000 first named owning 160 acres, the latter | gnd $10,000, his editorial work from §5,000 200 acres. . to $6,000, and his lectures about $15,000. Even Beecher did not earn that much. P The Catholic directory for 1894, which has just been issued, gives the istics of the Catholic church in the United States. Every diocese furnishes its own figure: The CHURCH ORGANIZATIONS. The Swedish Evangelical Lutheran Mis- sion Covenant was organized June 2, 18! at the house of K. P. Swanson, with A. P. Moberg as chairman and Edward Johnson | d10¢¢se : wn! R Sel , o o population in many of the dioceses secrotary; treasurer, Al Swenson. TO | iy approximated, and in the absence of exact e a roras Bowara_ Johnson, K. P | figures the compilers ‘of the directory aro h ! el e Johnson, K. ™ | unable to say just how many Catholics there W 1 o d e o, Sheia; ooats ineluding | ro_ in tho United States. = The dircctory ¢ have recelved a quantity S10;alae, ol oot gives the s 8.902.033. parsonage, $2100. Present membership, | §1ves the number fitty-four; pastor, G. Norsen. In the Epworth league there arc wearly 12,000 chapters and §50,000 members have been added in a little more than four and a half years. It is estimated that no less than $100,000 reached the treasuries of the missionary societles during 1893 from the Christian Endeavor societies In the various denomina- tional churches. The Free Mission society commenced to hold religious services as ecarly as 1880, and recelved visits from Revs. Frisk and Sweders once a month. A formal organization was not effected until 1885, at which time Olof Swenson acted as chairman and Osear Berg- gren as secretary. Trustees elected were A. Gustafson, C. J. Anderson and John M of fine Checks and Damask . cffects in China Matting that n-m'-w‘.l.; I:lw::x\v \ P. nx;(l-“ (Tm‘”«;lll:;:‘"l The Very Rev. Thomas Casey, vicar-gen- . . was bullt in 188 20, 89X et, with base- | .41 of the Erie (Pa.) diocese, died worth 7 ll b l f ~1 8 it el sarsonase, i . | 186, 0%, 0 e, e, Wi ¢ opened for early spring n Janson, resident pastor. Pealit el i “In "the clty of Aurora we found the fol- | the enurch and charity during hts faot h business A. P houses: Victor Swanson, gro- Swedi groceries; lowing Swenson, he Rev. A. Routh of Piney Flats, Va lower than ever offered. You Cories: Peterson Bros., dry goods and cloth- | has been the father of twenty children, fug: A, G Potersom, vice president of | elghteen of whom are living. ~He is 75, Aurora’ State bank. hale and hearty, and able to ride circuit : ERIC JOHNSON. and preach every Sunday, but two of his 23 f l : 1 = B wives are dead. can cover a room for the least IN CHURCIL Bishops Littlejohn of Long Island, Doane of Albany and Huntington of Central New York will this year complete a quarter of a century in the Episcopate of the Protestant Episcopal church. Ten others are of earlier | and sixty-six of later consecration. The American Baptist Home Mission so Lafayette New I feel a solemn sanctity Sweet rest of soul is mine. My heart abides in solemn peace, nnet sets divine! bit of money and have a most e O A ars, but this year It has already been com- | csirable eltect. 1C pl 1ccs rfect fit ' pelled to borrow $100,000, and will probably f abbath calm! report a debt of at least $120,000 at the'| | . begin at 10c a yard for a qual- O chastened peace serenc I feel thy deep ablding How dowdy is Miss Green! 1 feel a deep religious glow, O rapture undefined! close of the ecclesiastical year in April. Rev. Dr. George Dana Boardman, who is to retire from the pastorate of the First Baptist church, Philadelphia, on May 15, the know my bonnet looks so nice thirtieth anniversary of his pustorate, was | o 3 To (husl‘)\\'llu sit behind. born in Burmah, and Is a son of the late lty not bad. \V (c] llave the e Rev. George Dana Boardman and a stepson J KELIGIOU of the late Adoniram Judson, two of the Shee - most famous missionarfes to the east, The total revenue.at, the Church of Bng- | ™\ HICr Brl (8n b L Wiitney, who land, according to ' recently published statistics, is £6,763,657, Canon Farrar says that there are 7,000 clergy in the Church’of England who are Japanese Rugs, too, that finishes is pastor of the Unitarian church in \West Somerville, Mass., first undertook ministerial service in order to relieve her husbaud, Rev. Herbert Whitney, who found it difienit to L T U HerhescaWhitasy, R0 an 1o Bl the effect. Call and see them. There are somethipg over 21,000,000 | her to take one of them, which she did with church members in theiUnited States and a | such success that she soon decided to ac church property valued,at about $475,000,000, Bishop John P. Newman and his wif sailed for Europe Pebruary 21, He will pre side at nine foreign Methodist conferenc while abroad. The first sermon In |G cept a small charge of her own. | William H. Mills of San Francisco has in his library two books written by John Wes- ley, in which he says the founder of Method {sm put forth the theory of evolution. Thesc books are entitled *Wesley's Philosophy, slic ever heard in Dol & Wil Gavoe Cn 41410-18 1) vl Sieeat W York was delivered in the First Presby- | and were printed in New York in 1523 by terian church last Sunday by Rev. A. C. Mec- | Mason & DBangs. In these books are Donald, a Scotchman. passages asserting in the stron; that there is a unity in creation and con- Rev, Willlam Oleveld troverting the theory of speclal creation dent Cleveland, has b d, brother of Presi- n invited to preach in the Presbyterian &hurch at Mattituck, | The venerable Bishop Willlams of Cons L. I. It Is probable he will be asked to be- [ necticut, senior bishop of the Protestant come pastor of the ehurch. Episcopal church in America, 15 to have Spurgeon preaches from his tomb to enor- | & Suitable memorial to his_longevity and mous congregations: The thicty-ninth vol. [ usefulness in “the land of steady habits's ume of his sermons has just been issued and (l““‘,‘w“”‘l‘. Sy T A | there are to bo thirteen more. The total | LAk o) ho has a warm Intorest. The sum | sale of these sermons has aggregated 70, 000,000, of $50,000 will be ralsed for the erection and maintenance of the library, in which | Omaha, Neb. In the Epworth league thero are nearly | wiil be stored the 25,000 volumes belonging 1 ob 12,000 chapters, and 850,000 members have | to tne school been added in a little more than four and a half years. TheChristian Endeavor move- ment started the new year with nearly 29,- The religlov Itsclt felt as s st. In St revival of 1803-94 is making | ongly in the west as in the | Interest 000 societies and about” 1,150,000 members: | 243" oo’ iz and he states surroun- | Have yo isited our Dra- To an Itallan bishop who congratulated | {12 fhat city as a center have all feil the | ave y 1 VISILC ¢ him upon his good health, Leo XIIL re- | omoct of the awakening. he number of | nmrh\,ul, I.;uyihlm:ll) l-l‘\n:m T wan slected | Sonversions made 8 remarkable.. An in I predicted that I would relgn twenty years, | auiry shows that during the past five months 3 A Ad'T o noy: only' 1 ths Bteanth year of | ST, Mhows (hat Gurlng fho pusL B mon b pery Department on second my reign. 1 believe I have still four years | counties of Missouri, 16,852 in fifty-one I before me." | counties in Ilinois, not including Chicago, | Dr. Talmage expects to preach his re- | 8,574 in thirty-two counties of Kansas, In well sermon in March at the Brooklyn Tab- | twenty-three countles of Texas 7,100 and in ll()()l’? ernacle and start, with his wife and two | Arkansas 2,249, or a total of 63,091 in the | . daughters, on his projected tour of the | five states, During the same time there |