Omaha Daily Bee Newspaper, October 31, 1901, Page 5

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T™HE OMAHA DAILY BEE: THURSDAY, OCTOBER 31. 1901 TIRED BACKS ‘e, Backs that are tired——weary --worn out. Backs that are lame--weak--aching. Bad Backs-Sick back--backs that ache like a toothache--that keep you awake nights with theirZ never-ceasing pains and aches—-that are the burdenof the day should = not be neglected. Backache is the Kidney’s cry for help-—neglect its warning means many Kidney ills—Urinary troubles—Diabetes—Bright’'s disease. There is a certain cure— QIQIOIOIO CHONORONONINONONONONONONOINONONONONONONINONONONONINONONOINONONIBOINONONONINOINONOINONONOINONONONONONOINONOINOROINOININS i DOAN’S KIDNEY PILLS 4 HONONOBONOINONINONONONOININONOINOININOINONOINININONONOINOININININONONOINOININORONONORONON a * LJ * [J - * [J . CHOBONOINONONONONONONINONONONOINOINOINOINOR A modern Remedy for every Kidney ill-for kidneys only-goes right t\() the spot. Not an experiment but a proven cure endorsed by people you know. OMAEEA PROOEF Get what you aslk South 15th Street. Mr, A. Rausehert, sign painter, No. Ave.,, whose office 105 South 15th street, 1080, says: “Backache—Why, bad for two years that it aw ened me at night, and when Attacks were at trouble with tions set in Kuhn & Co's house is at teleph drug store Doan’'s Kidney Pills 1 had vs little falth in thelr merit, half a box cured me, although 1 took more to make the job cer- It seems curfous that after tain, using liquid medicines and ot preparations for my Doan's Kidney Pills should fect such a wonderful rapld cure.” 106 North 2th 1 had it so their helght, the kidney secre- When I went to kldne and North 12th Street and Mrs. Michael Tosonery, North 12th street, says: back ached severely that I could hardly stand it. 1 have been at times so that 1 could scarcely move and to stoop was an utter impossibility, To add to my misery, trouble with the kidney secretions ex- isted and I was constantly try- ing something to cure me, but a cure never came, My husband got Doan's Kidney Pills for me at Kuhn & Co's drug store, cor- ner 16th and Douglas streets, and after taking them for a week, much to my surprise and considerably more to my grati- fication, the long-standing trouble disappeared. Send any one In Omaha to me if they want a personal recommenda- tion of Doan's Kidney Pills, No. 505 No, often 50 one ak- the for ery but her of- North 21st Street. Mr. Charles Henning, 1624 North 21st ya: 1 was hurt in the Union Pacific street sa locomotive shops and ever since 1 have been annoyed with attacks of pain in the small of my back. Reading advertisements about Doan's Kidney Pills led me to pro- cure that remedy at Kubn & Co.'s drug store, corner 15th and Douglas streets, and it was the best investment T ever made. The treatment cured me.” North 28th Street Mrs. J. T. King of 1516 N. 25th street, says: “Three weeks before T got Doan’s Kidney Pills at Kuhn & Co's drug store, corner 15th and Douglas streets, 1 could hardly crawl about the house on account of pain in the small of my back. 1 wore plas- ters all the time, but they did me no good. When sitting or reclining I could scarcely get on my feet and I attribute the cause to an accldent when I fell oft the sidewalk, broke a limb and injured my back. Doan's Kidney Pllls at first helped me and finally disposed of the last attack. It requires very little imagination to reason that what benefited me so greatly can he depended upon in the future should recurrence take place.” Pacific Street Mrs. Katie O'Mara, No. 2420 Pacific street, says: “For seven or elght years 1 was troubled more or less with rheumattsm and sharp pains across the small of my back. Working pretty hard looking after my family is what I think brought on the trouble. 1 was much worse in the mornings on rising, and be- came some better after being up and around for some time. I saw Doan's Kidney Pllls adver- tised and got them at Kuhn & Co's drug store, Before taking all of the box 1 knew they were benefiting me. They cured my back and helped my rheuma- tiem, for. Get DOAN Don’t accept something “just as good.”” Most druggists sell Doan’s Kidney I’il and will give you what you call for, Some may endecav- or to substitute an article they make more profit on. In- sist on having the genuine, Price 50 cents. Manufactur- ¢éd by Foster-Mil- burn Co., Buffalo, NY, INSORANCE ON NEW BASIS Why the Rates Are Being Advanoed in Omaba and Elsewbiere. T HAVE 600D PROFIT ON PREMIUMS of Companies No Longer to Be Based on Capital Invested, but on Amount Collected from Patron The actlon of ceriain members of the Commercial club in beginning an investi- gation into the local rates charged by fire nsurance companies at present seems to have hung fire. The matter was first re- forred to the Insurance committee by the executive committee of the Commercial elub. Two weeks passed without a re- port from that committce and then one member asked: “Who is the chalrman of the insurance committee? It transpired that this committee s presided over by H. E. Palmer, an agent of several of the companies Interested A new committee was appointed and 1t ‘was instructed to employ an Insurance ‘‘ex- pert” at a salary of $25 per month to in- vestigate the affairs of the companies in- sofar as they may have a bearing upon the situation In Omaha. The ‘“ex- pert” is now at work earning his $25 per onth and the Insurance companies are introducing the schedule rating as the policles carried by the different business bouses expire. From time to time mem- bers of the club report that their rates bave been raised from 25 to 100 per cent on stocks and in smaller degrees on bulldings, while others report a decrease in buildings, but such an increase on stocks s to make the general effect a higher ate of Insurance. General Inc e Contemplated. That the plan contemplates & higher rate #nd not a mere ‘readjustment and the placing of risks upon a scientific basis" is shown by letter recently Issued by Vies President Evans of the Continental com- pany, In which he declares the purpose of that' company to be a change In rates which will permit a profit to the company of 7% per cent upon earned premiums. The fact that Mr. Evans bases the profits due the company upon the earned pre- miums (s the key (o the difference In manner of conducting the affairs of in- surance companies compared with indus- trial and other forms of business activity. Yo the average business house the profits pre based upon the capital invested ned the number of times that capltal Is in- wested and reinvested at a profit in the pourse of the business. Insurance companies, while hoping for a profit on their capital stock, do not have that capital fnvested In the business In the usual sense of the term and depend upon their profits from underwriting from the difference in the money paid as premiums and that paid out oo losses or for expenses of management, the capital in the meantime being invested 10 stocks and bonds, where it earns divi- fends independent of the legitimate busi- Ross of the compuny Profitse During A review of the work of the companies of the United States for the last ten years, as shown by the charis prepared by publishers connected with insurance business from re- ports of the officers of the principal fire in surance companies of the country, shows that, through the incremse in expenses o Wanagemert and a large ratp of loss, sev Sl compapics bave bad to depend upon Ten Years, | that thelr outside investments for profits from their business, but that on the whole the companies have been fairly prosperous. Taking ten representative companies from the 215 given in the chart, these companies being the Aetna, the Hartford, the Home, the Agricultural, the ximercan of Newark the American of Philadelphia, the Spring- field Fire and Marine, the British Ameri- can of Toronto, the Buffalo German and the Fire Association of Philadelphia—companies taken at random from the chart—there is shown a gain in the net surplus of these companies of $1,130, with one company, the American of Philadelphia showing a decreased surplus of 91 during the ten years. The average increase in the net re sources for that perfod was $913,013. It Is not possible to give the capital stock of these ten companies, as one of them Is foreign to the United States and its cap- ital is not given in the chart, but the cap- ital of the nine companies of the United States given above is $12,200,000 and the increase in the net surplus of these com- panies in ten years Is about 75 per cent of the capital stock—this increase being made | up from profits on underwriting and profits on Investments after all expenses and divi- dends, If any, have been paid. Enormous Aggregate of Assets, Taking the gross assets as a basis of comparison, a very marked increise Is shown. With something more than $12,- 250,000 Invested in the business in the United States the gross assets have been increased from $45,248,188 in 1891 to $61.- 910 in 1900, a galn of $16,108.722, or per cent on the capital in- vested—over 13 per cemt per annum. The average annual premiums received by the ten companies for the period of ten years from 1891 (0 1900 Inclusive was $22,673,400, making the increase in gross assets over 71 per cent of the average annual premiums received during the same term, and nearly the rate fixed upon by Mr. Evans as the profits desired from the premiums per an- num--7.6 per cent With an increase of 13.1 per cent on thelr capital stock from all sources the gain of the ten companies from underwrit'ng dur- ing the period has been $10.8 ). which is 88.1 per cent_ on the capital invested during the term or 8.81 per cent per an- num, showing the income from sources not directly connected with the insurance busi- ness to have been more than 4 per cent per annum, This would prove that the capital stock has not been employed in the busi- ness of the comnany, but has been gener- ally invested, for, taking the time from 1861 to 1900, 1t will be universally admitted that industrial and other securities have averaged dividends very little in excess of 4 per cent per amnum if they have equaled rate, Taking the average annual premiums pald for the term L4001t Is seen that the average profit from underwriting during that time—$10,822,200—was over 471 per cent, or more than 4.7 per cent per annum Cost of Operation, Taking up the matter of expenses it Is found that nine of the companies show an increase in expenses other than losses of $3,017,802 from 1891 to 1900, while one com- L. pany shows a decrease of $219,611, leaving A met increase of 32,798,191 during that time, being 228 per cent of the capital stock of, these concerns. The average cost of operating a company, according to the statements of experienced general man agers should not exceed 40 per cent of the premiums received leaving 60 per cent for fire losses and profits. The average ex pense of management in the ten companies given above for the ten years covered by the charts, given In comparison with the premiums received, has been as follows Aetva, Agricultural, 45; American of ewark, 38, American of Philadelphia, 88; British America, 32; Buffalo-German, 40; Fire Assoclation of Philadelphia, 37; ford, 35; Home, Springfield Fire and Marine, 37. These companies have been conservative in their management, and in but one case have the expenses of man agement exceeded the 40 per cent fixed as the limit, When we turn to the general average of all companies quite a different state of affairs exists. The average rate of manage- ment expense bears to the totals received from premiums the ratio of 54 per cent, 14 per cent higher than the limit allowed by wise management, and yet the majority of these companies show a general increase in their net resources and gross assets, al- though on the average of all of the com- panies the ratio of fire loss to premium has been 62 per cent, making a total output of 116 per cent of the amount received from underwriting—or a deficit of 16 per cent in that connection. This great ratio of 62 per cent is not made up of high averages, but of exceptional cases, affecting compara- tively small companies. Thus the American Fire of New York, which in 1895 decreased its premium receipts from $1,504,714, in 1894 to $879,103, had that year a ratio of loss of 182 per cent; the Armenia of Pittsburg, with premium recelpts of $125,331 in 1500, haa a ratio of loss of 100 per cemt; the Colonial, with premiums of $272,680 in 1899, had a ratio of loss of 100 per cent, and in 1900, with premiums aggregating $250,623, had a ratio of loss of 144 per cent; the Erie Fire of Buffalo In 1899, with premiums of $263,562, had a ratlo of loss of 119 per cont; the Fire Underwriters' Agency of Cincinnati, with premiums of $41,248 in 1891 and $50,842 in 1892, had ratios of losses of 103 and 100 per cent for those years; the German Fire, receiving premiums of $84,407 in 1893, had a ratio of loss of 108 per cent. Other companies in other years have shown fire losses of mere than the amount received from premiums, but a weak company recelving small amounts in premiums, managed with poor judgment, has as much effect in making up the gen- al ratio of loss to premiums as is effected by the strongest companies under the most conservative management. Profits Really Earned. Hart- Taking the 215 companles dolng business in the United States, the report shows that during the ten years mentioned 140 com- panies made a net gain of $6,436,944, while seventy-five companies show a net loss of $1,568,128, making an average net gain to all companies of $4,868816, or an average net gain to each company of $22,645.85 while the average loss to each of the seve enty-five companies was $20,808. “WAHO00” CRAWFORD MARRIES Famous Cincinnati Outficlder His Bride from City of Omaha. Takes “Wahoo' Crawford, the famous Clncinnati outflelder, was married in Omaha yesterday to Miss Ada M. Lattin, daughter of John W, Lattin, a stock dealer living at 4820 Cali- fornia street. The name which the bride- groom gave when applying for the marriage license was Samuel B. Crawford. He hails from Wahoo and has always been known in base ball circles b of bis nativity. Rev., J. J. formed the ceromony. Lampe per- Relatives to Get Insurance, CHICAGO, Oct. 30.—Frank H. Smiley, who turned stute's evidence in the Defenbach Insurance case, was given his liberty today. He relinquished all right to the $5,000 in- surance on Maria Defenbach's life, This ends the criminul proceedings in the case, Ws Dr. August M. Unger (s in the peni- tentiary and_ Waviand Brown was pre. viously let off with a fine. The insurance money i stil] in the hands of the court and will probably, it s sl .qa o mmnun.lu sirl's relatives ¢ m the name of the place | BAD WEATHER FOR TRADE ‘Whelesalors and Retailers Ave All Hoping for a Cold Wave. NEW RETAIL STORES HELP OUT JOBBERS By Stocking New Establishments Omaha Houses Mannge to Show an Increase in Volume of Busi- ness for Month of October, Summer weather in October s playing havoc with the retall trade in the states of the Northwest and is having a secondary action on the Omaba wholesale situatiou. While the trade of the local houses for the present season has been better than for any corresponding time in their history, there s & lack of refilling orders for fall and winter goods which are generally re- celved about this time, as the demand for winter goods ou the part of consumers has been practically nothing in the Omaha ter- ritory during the last month. Thie condition 1s not confined to any one line, but to every line of business in the city. The dry goods men bave had a good month's business, much in excess of the average October, but it has not been oce casloned by any increase in the usual de- mand, but from extraordinary conditions, which, however, promises better for the future. During the last two weeks in tae territory contributary to Omaha several new dry goods houses have been opened and the Omaha jobbers have been fortunate In securing the stocking orders, amounting to thousands of dollars, and changing the showing for October from a decrease com- pared with the eame month last year to a notable increase. One of the new houses opened last week was in eastern lowa and representatives of Chicago houses, as well as those of Omaha, were present and sub- mitted figures, Omaha capturing the order on prices and terms. Fitch & Willis of Custer, 8. D,, were on the market yesterday making what is practically an opening purchase. The house has been in operation at Custer for some time and is one of the sound firms of the Black Hills country. A fire recently destroyed their store, with practically all of the contents, and the firm has just made arrangements to resume business. Weather's Depressing Effect. The weather is having a depressing effect upon the oyster and fish houses, the season being unfavorable for the transportation of such goods. The condition of the meat ma ket, however, has caused an unusual de- mand for oysters and fish, so that the trade, in spite of the weather, is about up to the average. Poultry prices remain unchanged, but with an increased demand, this form of food taking the place of the higher-priced meats in the homes. Game Is higher this year than it has been at any time before the opening of the shipping season. The offerings are light, the only stock obtain- able being from local sportsmen who sell their surplus game on arriving from the flelds. This is entirely consumed by the local demand, retail prices ranging from $7.50 to $12 per dozen for prairie chickens and $5 to $6 per dozen for mallard ducks. The wholesale prices pald by commission men are $6 per dozen for chickens and $3.50 for ducks. As the law prohibits the ship- ping of game these prices will probably rule | throughout the season Reports to local dealers from the interior of the state are to the effect that there have been several attempts on the part of humt- ers to evade the laws. One consignment of Lawme sbipped from & poiny mear Nogih Platte was returned to the shipper by the express company after the agent had opened the boxes and found that they contained game. It Is said that the express com- panies have in good faith taken up the question of enforcing the provisions of the law In regard to shipments, and this is re- sulting in the fallure of the efforts of the pothunters to evade the law. With colder weather and an influx of ducks from the north prices on these birds may decline, as none of the dealers have carried the amount on hand permitted by the new law. ENOUGH ROOM FOR TRUANTS Superintendent Pearse Says He Can Take Care of All Who Are Brought In, “I can provide schooling and room in schools for all the truants they are likely to bring me,” sald Superintendent Pearse yes- terday, “so it s not probable that the enforcement of the new truant law in Omaha will discommode the public schools to any extent. ““There are a few more than 300 school rooms in the city and if 1,000 truants are swept together from all over Omaha and sent to school that will only be an average of about three more puplls to the room. This will be a very small item in a room that accommodates fifty scholars, so small, in fact, that the addition will be scarcely noticeable.” The new truant law under which Omaha youngsters are to be compelled to attend school this year is a severe one. It pro- vides a fine of not to exceed $26, to be im- posed on the parent or guardian of any child coming within the specifications of the law, This compulsory education is to begin when the embryo student is 8 years of age. For six years continuously, till he is 14 he must go to school each year two-thirds of the time prescribed by law for the holding of school sessions. This me law, however, is also the reason why no steps have yet been taken in Omaha to bring in the truants. The fact that children meed attend echool only six months out of the nine gives them a margin of three months, which has not vet expired. Any child brought in now could say that he intended to commence om De- cember 1, when there would still be six months of school left. GETTING READY TO EXCAVATE Auditorfum Committee Will tract for Tur: t Con- iround im Near Future. At the meeting of the board of directors of the auditorium company today the question of advertising for bids for the excavation will come up and it is probable that the building committee will be em- powered to make a contract with the low- est responsible bidder for the work, which is to begin November 18, At the meeting of the subscription com- mittee Tuesday night twenty-two directors were preseat. A plan was outlined con- templating 200 possible subscribers whose subscriptions are expected to aggregate $10,000 The supervising architect Is now at work upon the detalls of the building and will be ready to shbmit the working plans for the lower floor by the time the hoard of directors is ready to let contracts for that work, What's Your Face Wertht Sometimes a fortune, but never it you have a rallow complexion, & jaundiced look, moth patches and blotches on the skin— all ms of liver trouble. But Dr. King's New Lite Piils give clear skin, rosy cheeks, rich complexion. Oaly 25 cents af Kubn & Cov'e drvg slorey o B e Al ELECTRIC SWITCHING NOW Unien Pacific Operates New TInterlocking Switch and Signal Bystem, EVERYTHING CONTROLLED FROM TOWERS Precautionary and Safety Appliances Inatalled for Governing the Move- ments of ins Wherever There Arve Tefegraph Offices. The Unlon Paclfic has just completed its interlocking switch and signal system and the block signal system, the most pefect precautionary and safety appliances known to_raflroading. That portion of the Interlocking switch and signal system between the Union sta- tlon and the Sixteenth street viaduct known as the west end was put in operation at noon yesterday. The part between the Union station and the Missouri river bridge, the east end, will be operated November 1. On the same day the block signal system, which extends from Council Bluffs to Gilmore, and 18 entirely separate trom the other system, will be put In service, At the same time a new signal appliance will be placed In service at each station be- tween Council Bluffs and Ogden where there 1s an operator. This appliance Is known as the station train order signal. It consists of two arms placed high above the station One arm controls the westhound trains and the other the eastound. When an arm is up the train which it controls must stop; when down it passes the station without stopping. Superintendent Baxter {nspected the two systems in the Omaha yards yesterday and at the same time held a school of instruc- tion for ongine and trainmen. The signals are quite complicated, but the instructions issued to the men are illustrated by colored prints, so that it is impossible to mistake one signal for another. The interlocking ewitch and signal sys- tem {s operated from two towers, one just west of the Missouri river bridge and tho other at Fifteenth street. One towerman is In charge during the day and another at night. The towermen control every switch in the passenger yards and engineers are not o make a move without first getting the proper signal. The switches themselves are turned by electric power, which Is generated fn the basement of the tower, where an electri- cian 18 on duty at all times. During. the day the signals, which stand upon high posts, are not lighted and at night elec- tricity furnishes the fllumination. Aslde from the manipulation of the levers in the towers the system is entirely automatic and fnterlocking, requiring no attention turther than to keep the mechanism in re- pair. With the inauguration of the new sys- tems an important change is to be made in the signal colors, White, which has al- ways been the safety color, will be res placed by green. This applies to every signal on the entire system between Coun- cll Bluffs and Ogden. Tot Causes Night Alarm, “One night my brother's baby was taken with croup,” writes Mrs. J. C. Snider of Crittenden, Ky., “It seemed it would strangle before we could got a doctor, so wo gave It Dr. King's New Discovery, which gave quick relief and permanentl; cured it. We always keep it 11 cthe house to protect our childzen from croup and whoop- ing cough. It cured me of & chronic bron- chial trouble that no other remedy would relieve.” Infallible for coughs, colds, throat and lung troubles. 60c and $1.00, Trial bottles free at Kuhn & Co.'s, Where there’s life there’s hope Never give up.” Even if you have been tryinga Sarsaparilla and have not improved. It’s not the slightest reason why “Ayer’s”’ will not cure you. “Ayervs ”» Doctors know this. is not like any other Sarsaparilla, They have our formula. That’s why they always recommend ‘“‘Ayer’s” in preference to every other Kkind. It's the oldest, safest, strongest, best. *Your it has done me a great ua g and a general ln»sgnmh- of the wi leanser, and it bas done me & wonderful sight of my blood and deal of good, Eunlyin I know it is ole ‘bo GEo. W. Roose, Jefferson, Ohlo, J. €. AVER €0., Loweli, Mass.

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