Omaha Daily Bee Newspaper, February 15, 1902, Page 7

Light, Sweet Wholesome Bread, Cake Delicious Pastry are more easily, speedily, unfailingly made with ROYAL BAKING POWDER Royal Bakmg Powder is the great- est of time and labor savers to the pastry cook. Besides, it economizes :flour, butter and eggs, and,.best of all, makes the food more digestible “and healthful. ‘Royal Baker ant Pastry ' —over Soa ctical and valunhle cooking re- ceipts —free to every patron, S:nd full address. There are cheap baking pow- ders, made lrgrn alum, but their astringent and cauter- izing qualities add a dangerous element to foqd. ROYAL BAKING POWDER CO., 100 WILLIAM ST , NEW YORK. R e ———— NAMES LUNG LIST OF HEROES Amy Board Wonons Ho'die: guisbed Rervics. for Die- PRESIUZNT. APPROV:S "AtL BUT ONE Gives Brevet Rank (o Those Recom- mended, excepting Only Colonel Theedore Rou tor Brigadier Ge WASHINGTON. Feb. 14. eral Corbin today made public the report of the army boardl, of which Genersl Mac- Arthur was. president, appointed to con- sider and report the names of officers and enlisted men. of the army who distingulshed themselves during the recent campaigns in Ouba, 'Clina ‘and the Philippines, 80 as to cnfitle them 1o the award, ellhlr of medals of honor or certificates of The officers pocommended for mut rank for specially meéritorious services during the same campaigis that had been nomi- nated to thé senate by the president. Mr. Haler stated President Room: t has ap- roved all the recommendations made by thé MacArtbur board for awards of brevel ‘medals of honor and certificates of merit with the exception that Colonel Theodore Roosavelt. be. given the brevet rank of || brigadier general for servic of San Juan hil. The list of brevet will be made public when it 1s sent to 'the semate. Medals of hosor will be awarded In thirty-three cases, of which ten to commissioned officers and twenty-three to non-commissioned offi- cows and privates. Only One for Serviee in Caba. Only one medal was awarded on account of service in the Cuban service, two In the caso of the Chinese campaign and thirty in the Philippine war. The medal list shows féw tames of persons familiar to the public, perhaps the most notable ones belng those of Musician Calvin P. Titus, Yho w the first t» Scale the wall at Pekin and was sent to West Poln at the battle | nio% M. A. Bitson, who eoumndM the Macwbebe scouts. The certificajes. of .merit-are all awarded t9 mon-commissioned officers and privates, and of the total number of fty-six, four are on account of the Cuban campaign, forty-five on account of ign and seven on accoynt - of the nese trouble. The medals of honor list . sergeant, Fou Y wilag - in l-l.r . -Iun ln POPULARITY N or drinkable Vithout the intrinsic merit of refined quality. g The standard of Hunter Baltimore surrender of all not Captain Horry eer infantry, for gntrg in actlon in leadin, against'a superior #Ing the enem. Bera b his regim sition orce, capturing and relieving ot ent from a perilous po- |in hana seven tnsurgents and compeliing killed or wounded. Bell, Thirty-sixth volun most co picuous gal- nenr Porlc Luxon October successful charge and dis- Lor mem- Charged and Captured Captain, First Lieutenant Thirty-sixth volunteer Infantry, Arthur M. Ferguson, for_most conspleuous n\lu.‘gy in action near Porac, Luzon, Sertembe: alone b body of the enemy and capture: enyum Geor cighi vo|unxoer?'(n tinguls n n, Jul chments, e Ba gepisting, and at close quarter of "the enemy near Looc, 1900, i Hugh 5. MeOrath, Fourth cav- or* most _distinguished in swimming the Sa in «‘q'g-u of the enemy's fire and driving his_entrenchments, at Ci 599, Firs " ctaber 21 uly 36 3 Fourth t ax-un.m-nm Y o river s Are and’ arivin at Calam| 1899, where he charge a W, Ble'lur. Twenty- fantry, for most dis- on with nine. 5 n Juan river t Licutenant M. (now retired), ntry in’ swim- the Tags of the trom Lugon, July cavalr; nant Colonel James Pnrk.urony; fitth v.ulumur In ll" (now rn amg_assls adjutant D, 6, most dls n‘ughod allantry the n, n, cember u”. e o Sommga. of Sk wereion here, th, amall numbers, he repuiesd & sa nll t attack by an ‘overwhelming the enemy, g at close quarcers fn the dark for several hours. Capture Three Men. Second Lieutenant A. J. Greer. Fourth Infantry, for conspicuous tion Juiy vinee, outposi ing Witn Tifes Private Woun: 1901, n chary C, Nov {d1ea Novembe lantry in ac- near Laguna alone an ‘tnsurgent ing with his platol, Killlng one, wounds two and capturl pdequipment. John Fourth infantr; receives dint whhed gallantry in action. ng three Insurgents (.om rember 20, lfl-). for ntlll While Vetherby, important orders o the battl to erect crawled’ fi liver hle orders. ‘This near Imus, Luson, was wounded, enough to de- geant Henry F. Schroeder, Company L, Ofe Hundred and Six or d! llnlullhed ‘lllln!ry In ullon in ting, sury Holds B ty. xth lnflnla'y men, twenty-two 400 k|lun¢ thirty-six ;"dl wmmdlnl t 'This was at 1900, ni fimh- Louls X. Gedeon, Compa: Nineteenth infantr; lantry in alo actiol e aounded his uwr overwhel, '{3 1%.1-‘: "Motnt Amia, Ce e Against l-nvlo- lfcm te C.'H. Plerce nd Infantry, try in le( fln in_hol the Phillppine | most severly wounded, until E"“ lficfll L‘l’ollv lecol\?’ lnt-mn"flr"‘m""y = | S0 of o zon, Octol Tmll-tb ra i m-my [ up nd Gall allantry & -i h the it crou ber 1 t ptem- for Jnoat auun.nf-n.d l‘lll tooundad force of n. Febru- e, Com) for me ‘diating od 0, ‘“.5 (Muh 1) i ety this neas etion, mt (¥ muperior g Yikle: near ‘l:n' 1809, Under Five, ""Lm, %3 llnlton. Sompany 1, ry. Ihnlry n .cuon I advencisg vy are ot a®rese April fii. I’.fl s IIIIM. [ 'I" efllb“ to t i wi ':g‘ oth 12 siek Shims asy =\'|.rr'v‘|‘:=:r lfilucmn M. Condor datten g of iatinguished V- lalmnl nlhn\rl alu 5. 18; while in 3 p ¢ of ‘four men he Char st 3% hma ehtdnl. u-'fl m‘“ “" m d ty -nu;nuhd Inburgents, ingiee Cawetska, Company ¥, Volunteer in; Ly enemy, third Velunteer i o;m”ry selientry in nlcUon at dueo i [ 1 nen':' B derondea"s ais: | T e Iy superfor pps. Compan alaritey. {or e he defense mber | 599, y of Sevsaieen ung '-u Denth, but Flghts, && B ot ] a ntry nd McCos tee) 0 Yot ell, nl-ntry. a éu‘-’l an, i b s g between two dead cos S in chargin saving the i o8 and_Combot and. de: m. Com‘n-ny B, s ost try" i action ‘mear Y 1800, In vollnli -nd nk O ».1,. _Vbl:lullm hl n Y for. Il:olx in resct ne be Revy dre ot & "{. e aters i | B Swimn llvor I.-n. Au-n Willlam Loy ?'.'n!'r‘} I et n-um tfi-' § Bl ly. Comj nt r' ™ bs {n o!lhcfl;’:rln‘lhz the A nle "o Rt Liugon, "IN ‘White, Company '8, v Tweullelh Kansas Volunteer Infantry, Theant Amos = Weaver. (Company ¥, Tm[n{d"h Volunteer infantry, uous gallantry in nd upaided, u-r oral Jumes B Gillenwater. Company hirty-sixth Vol antry, for ngiished aliantry In' acdén in Satanding und deiving of & superior Torce of insurgents and with the aselstance of one com! ging from the field of ac. tlop the bodies of two comra len. gné killed | the other severely woun while on a scout near Porac, Luson, oy Sep- fember 3 1808 Defends Deall Comrades. Private Thomas E. Slettand. Company G, First North D for most distingu near Paete, Luson, P. s where, single-handed and alone, led his dead and wounded mmna St & greatly superior force of Voltinteer in enemy. M\uj Corpelius J. Leahy, Com Thir th Volunéer infatry e 1, for most dls- I'Im'u satiantry in Iriving off a superior force of gents and with the assistarice of one com- o bringing from the field of actio the bodles of two comrades, one lullad and the other severely wounded; this while on & scout near Porac, Luson, P. L, September Sergeant John A. Hu tlmln, Th "rln 3th Vols 3 i Com?llly ban, I,ulml P 1, Bteriing A._Galt, n Lawton at Tien T y tain Louls B. Lawton, T-nlr- sixth United States intantry, for most dis. Singulshed gallantry in the battle o Tien . 190, b6 Tsin, China, ‘V FY message and lul ing reinforcemenis & wide‘and, fire-awept wpace, during he was thrice wounded; as first lleutenant and bllll ot (he Eighth |'|fll’||r 3 Musiclan Calv P. Titus, Company B, Fourteenth lnflnlr\ (#ince appointed cadet | at ot United States for of kin, Chin g presence of his colonel nnd othef om("l'l and enlisted men of hi iment in_bel the first to scale the WI" of the Chin city, while serving as musiclan of Com- pany B, Fourteenth infahtry. No medals will be issued in the cases of those recommended for medals and who have since died. Certificntes of Merit. ch hile “servin jon adjutan! The certificates of merits are as follow Cuba—Corporal Willlam H. Finnerty, Company B, Second Infantry, for most dis: tinguished conduct at Santiago de Guba, July 2, 18; also Privates Gray B. Brit: tain, Company B, Second Infantry: L. G- ghefter, Company B, Second Infantry, Thomas 8. Williams, Company B, Becond Private Ora Platt, Hcipllll A., for conspicuous .nlhntriy fo Roiton at Bubung, Hagres, P, 1 8, 1 . fPr‘vfl.lmll Dn:lh d F l i gnal Corps, for distinguished galiantey lnlnn at %l , October Bend, Luzon, P. * gHivate Leon Crowell, Company B, Fourth infantry, for conspicuous gallantry fh ac- tion near Das Marinas, Luzon, P. L, June Kergeant Fred Johnson, Troop I, Eleventh lunteer cavalry, for distin ufshed_gal- in action near Tiaom Luson, P. I, . G and First-c Com) Fourteenth |nr-mry o dmlngul- lantry_in_action near Manila, P. ruary 5, 1809, Corporal Martin &Burkaert, Company ond infantry, for distingu In_action near Mount Corona, sy 1, - ¥, hed P. Corporal Fred J, Winter, Company F Twenty-second _infantry, for conspicuo, Lau-m in lctlon at ' Mount Corona, 1900, Sergeant Hajor Ernest W. Ager Thirtieth Vollntesr infantry. for disingulshed gal- lantry |n l)l:.glon at Dingin, Luszon, P. First Sergea C. Richmond, Gompany L, Tnmum v.m.mur intantry} hiPeth Volunteer fnfen iam Wing, mpa Wirtieth. Intantry, for. dis: in action om lnlleln Corporal wxfihm Thirty-ninth Voluntcer Hhgulahed gaNantry i action wear Santa Clara, Lugon, P. L, Februar; 1800, Privates Ell L. Watkins, 'x’;oo&o Fourth cavalry; James C. nt; r North Dakota Volunteer Anllnlry. jor most distinguished gallantry In wuon at Ban ql:‘e’ de Mayumoe, Lugol May 13, Lfl and for most dlllln[ullhed l’lnlllll'y ‘across & burning bridge in the of the enemy at Cabon river, nds, May 16, . dge at His Peril. Private Frank Ross, North Dakota Vulun(eer Willlam F. Thom: Company H, First infantry} mpany Cor- and ohn Kfllon, 8! for tngulshed gallantry in a charge Bcross 4 burning bridge in the face of 800 of the enemy &t Cabon river, Philippin lhnd! May 16, 1 “Corporal Frank Wallace, Company H, Third Infantry, for most co apicuous gal’ n, fantry tn act on near Tibaguln, Luzon, P. Phyaten | Brnest Stokes, =Company F, Twenty-fourth infantry; Amos H. Company Hy Twenty fourth In{-nlr jamin Goode, Conipa ‘ ourth infantry; L. J. Clark, Compan: Twenty-fourth lnunlry‘ and Corporal H. Johnson, Company H, Twenty-fourth fatantry. for._most’ distinguished. gl THE OMAHA DAILY BEE: S'A’u;RDAY FEBRUARY tarily carrying a message acrom a wide fir wept space and returning to bis omm nd ohn M. Porter, Company D, Ninth " infantry, Yor giatinguisne clee at Tien Tein, China, July 13, 190, In sacri- fictnig his life in endeavoring to his mded colorsergeant rivate W. C. Prica, Company F, Ninth lnnmq for ‘nnnmr\ in batfle of Tien Tain, China, July 13, 190, in digging and cgnstructing a traverse for the protection A wounded officer while under a severe fire at short range. MEAN TEMPERATURE Records IS LOW w that Weather for Firat of February Haw Been Unusnal, ‘The records of the weather bureau for the first half of this month show that winter bas Bad a pretty firm grip on the situation. The mean temperature has been several d below the normal. The normal temperature for February is 35 degrees, based upon data extending over {wenty-five years. The mean temperature thus far this month Is 23 degrees. Excepting during the last four days, at no time has the tempera- ture reached the noral, this fact being unusual. Even during the record-breaking month of February, 1896, the maximum tem- perature during the first fourteen days was 45 degre: This year February came in with the thermometer at 3 degrees below. This was followed by 8 below, then 3 below and then a plunge to 11 below on the 4th. The fri 8rip was relaxed slightly on the Gth and 6th, when it was 3 and 8 degrees above, respectively. Zero was registered again on the 7th and dropped to 2 degrees below on the Sth and 9th. Then Forecaster Welsh belleved he saw conditions leading to more moderate weather and Saturday evening last he in- formally predicted the severity of the cold the |#hap had about reached its limit and that Monday would show a rising thermometer. 1t 414, too, for on Monday the highest tem- perature of the month thus far, 35 degrees, was reached, followed by 20 on the 12th, 26 on the 13th and 26 at 3 o'clock yesterday afternoon. The mean temperature for the entire month from 1897 to 1901 inclusive ranged from 15 to 30 degrees, the official record being as follows: 1897, 27 degrees; 1808, 30 degrees; 1899, 15 degrees; 1900, 18 degrees, and 1901, 23 degrees. The minimum and maximum temperatures during the first Balf of February for the last six years are as follo 1897, minimum, 15 degree; maximum, 43 degrees; 1898, minimum, 2 degrees below; maximum, 52; 1899, mini- mum, zero; maximum, 50; 1900, minimum, 6 degrees below; maximum, 45; 1901, mini- mum, zero; {mum, 4 RABBI SPEAKS OF A MESSIAH Says Christians and Jews May Come Together Within the Pres- ent Century, At Temple Israel last night Rabbl Simon spoke of the dream of a Messiah, saying that from the German tradition of Fred- erick Barbarrosa a writer in the course of time may say that the Germans had an idea of a Messiah and that he came in the person of Blemarck in 1872. It seems from the writings of the fathers t the word Messiah meant no particular #0n, but & leader who would relieve the people from oppression and restore the paticn. In the period of a nation's misery, with the pe uffering, it {8 not iahs. “We Jéws In this land,” said the rabbl, ‘‘ean say, @0 far as political life is com- n the Declaration of Independence. was written and Washington wrested the land trom Bngland. But we are beginning to think that the Messiah means more than political freedom. We have spiritualized the old idea and we belleve tI there will come a time when peace will rule the world. The Messiah will come—he is always coming—if you obey. The freedom of religlous thought is the triumph of the Jast century and we find that the conception of the Christians and the Jews s to the Messiah s the same. ““When I see the desire for inteMectual treedom shown by Dr. Plerson, Dr. Briggs and others, when 1 see dogmas cast aside and when I see the same movemeni on the part of Judaism, I think that the mext 100 will see a coming together om the meeting ground and that ground will be the religion of Jesus. FOUND GUILTY OF LARCENY nviets Reed Yates and Wil- @ for Robl of Henry Begel. « Reed Yates and Willlam Reed have been n .o flon at Haglllan, Luzon, P. 1., Dece: ker, sician Lee Speal pany I‘ mfi- ..“xi‘n".a"‘;‘-“n‘:‘."nfi ingn nc{‘on "at"the - ) & Lusgon, "“""_‘y“.n. "Mur Gom. br t I hman, ™ rhirty slxin Voh-mnr infant For “most conspieuous gallantry in-act gear Ban Jusn de Luzon, P. L. uly 1, 1900, Private Robert H. Smith, Company T, Thirtieth Volunteer lnnmry, and_Privaté Willlam E. Dillon, pany L, Thirtieth vcluuur lnnmry, tor dhl!n(ullhlfl 1- lantry ction Alacan moun! Eison. & 1000. ) Distinguished Work at Rio Maasin, 'nlnmh 'olul— anuntaer e l-ld B, Thlrlle " or inguis| B lr! in ullon at Rlo Maasin, Lumn )‘ st % ary Company G, et e A A lll\‘ll ld ”M In Icm 'al lano, mmldflm Conplny econd Volumtotr fant tuunnll;h-d uu-mry inaction at Al uc.y, George Case. rtny B, Thirty- | 1 l or _con Ay ! ‘Emile_P. Kelm, Coufin' A, Com) Y Volunteer intantr pelle, artificer, Compal 1 teer infantry, for |-un AR, ey : ed Carr, Com , Thirty- infantry &‘.Xn.um had Fh g.,;.'gf:';"::.é: e Corporal °mlfl'l' Thirty-sixth Volunteer |n7uu als TS laea gatlantry - in aotion "neer T naian, Lugon. P L. February 2. 190, ohn { &0. Forty- (hird Volunteer nfantry. uished allantry In action at fapol ra, P, £ April 12, 1900. geant Wiley J. Bflckoiy Com- ron -seventh Vohinteer fifans Bora aht\n.u n. ) in action near N'gvmmr 500. !or Welmer ¢ e R olthtesy” Infantr con- -pmou’) prllantry in action” ‘st “Vigan, AP SR N i ompend Thm&“ n in action u{ Ban Cris- ll.llbl, P. 1 e Lugon, Battle of Tien Tsin, China—Sergeant A. 8. Bernheim, y D, Ninth infantry, in battle of o oidlers tn & Band-to-hana g Privaten John Guiiagher <ump... p N t Gy Ldl:':l- . m.'i-'"' 3 AII fan Y lor ed Mll!fi Tien Tsin, "n‘ July Ly L comrades, k“ln at the time. In Who lay wounded, t Jfihn H‘Inm. Com) Intantry, W"n o, Chlu 'f\lfli 13 1900, found gullty of larceny from the person by a jury that was out from 11:30 yesterday morning until 10:30 last night. They had been tried on a charge of robbery, the Sentence for which may be from ome to fifteen years in the penitentiary, but the jurors, who were divided among them- welves, finelly compromised on this verdict, which means a sentence of from one to seven years., The alleged victim of the convicted youths is Henry Begel, an lowa farmer, who, it is told, was in the saloon of the eider Yates the Saturday of the holidays and ordered drinks that cost more than he had In pocket. When he assured Reed Yates that he had money in a trunk 8t the' Webster street depot Willlam Reed and a colored man were sent with him to bring it to the saloon. Arriving there he opened it and pulled $276 from an old rub- ber boot. It was this money that Yates and Reed are sald to have taken before kicking the old man inco the street. rpox. This dreadful disease is now very preva- lent fn all parts of the country, and as ex- 'polur. to its malighant breath is liable to ocour at any time mo matter how careful we may be it behooves everyome to tak proper precautious to prevent the germs from gffecting the body. The doctors say that blood, good digestion and regular bowel movem materfally ald the body in res attack, hence it is the course of wisdom to purify and strengthen the system without de! A most effectire remedy for this purpose, one that combines the necesdary properties for purifying the blood, strengthening the kidneys, toning up the digestive organs and for clesnsing and regulating the bowels will be found in that well known system tonlc and purify Prickly Ash' Bitters. Thie valuable nmuy is the right thing for putting tke bed: shape (o resist the effect of exposur -u smallpox. No ope will knowlngly expose himeelf to this disease. The¢ exposure usually takes place when it is least ex- pected, therefore the need for precautionary measures j¢ the more urgent. It is safe to say that the frequent use of Prickly Ash Bitters while the discase is so prevalent will keep the body in such fine physieal condition that no ordinary exposure will at- Elks from Loulsyl) R v, I Brovl Pi All'n Kinne; ber vitla inest Sitnms or hat it on thelr ‘wa i ‘Lovis: &( for the hrth 15, FIFTY-SIXTH ANNUAL REPORT ~OF THE-— GONNECTICUT MUTUAL LIFE INSURANGE COMPARY. To the Members One more has been added to the many years in which by the diligént exercise of carefulness, prudence and economy your company has, in the fullness of strength gnd 1n » desres squaied by none other been realizing for reat membership perfect intention. ana the ldeal re- sults of life insurance: Absolutely reljable protection to the beneficlaries needing it, at its actual and lowest annual cost to the erson paying for it with complete equity an tween the membe what is ol equal moment, it has steadfastly main- talinea "those principies of - Administration Which are, essential to enduring success; those conditions of vigorous vitality de- jermineg by the selecton of spund lives in healthy localities, Jow cost of business, the conservative extent and character of contract undertakings, with their financial basis and protection, whic! still enable it as the years go by to fullfill 1o the letter, at least cost, and to the highest hope and trust of the dependent family the one specific service which life urance alone among human institutions can render. THE SECRET OF ITS SUCCESS. It is by resolute adherence to these prin- ciples and the maintenance of these neces- sary conditions, againet & competition In- spired “by very different views. that tho Connectieut Mutual has come to that estate of solid strength in fta membership, health and soundness in its business, its condi- tion, and that steady uniformity of the best’ results year after year which have been and continue to be among the most marked characteristics Of 8 prosperous and beneficent career, While others strive for great and rapid growth, regardless of the great cost and enormous e of business that goes with their fierce and woula - mpet Eulade the publte that alf who do not adopt follow their method: their aims and deficlent In ai pany holds s 0 purps Rishing the best that life insurance can do L its very least uttainable @ ! Batter ‘can it ot WhAt other or arfterent thing ought it to strive for? Whut other or different thing can it or any other company undertake with real success? THE TRUE AIM, For consider: Life insurance contem- plates and 1s adjusted to Just one end; the immediate and sufficient protection of those dependent ones who are elther not at all or insufficlently provided for In case thelr breadwinner dies, and for whom he can ¢ no other pro lon at once, and can e Do other at all exoept by’ the long a vings slowly accumu- £6d In *kvings banks oF by mrestment safo securities’ bearing Interest at a m erate rate, all subject to interruption and delay. by Unfortunate contingencles, and o be brought to an end at any moment by his death. Life insurance cbanges all this: It, and it alone among human schemes, can vide at n case of death, the which could have been accumulated only in & long lifetime, which might never have been otherwise accumula all; which at best could have grown Iow nd might have been stopped at any time. s is the one thing life- insurance can doi this 1o the one thing which no other device of man can do. Bvery other thin that can be done with men for mone; with their money, oa) done, and’ best done, by other financial schemes and the instifutions designed and fitted to _their specific purposes, but this one thing none other can do. Therefore must he on whose life others depend, use it for thelr imme- diate and sufficient protection. THE LIMITATIONS OF LIFE INSUR- ANO | In dealing with life insurance as one of the most useful and influential factors in the development of our soclo-economic life, n is of the highest 1mportance not only to waise at its fullest use and value its troe. -am and singl fecognize the Feaso n, both of the myle n.ull ‘and by certai from 'the coRduot of the Tess; ‘Which ncidents. sum- up eftec in an expense of management necessarily her than that of any other. olkss of in. n tutions used for the care an@l investment of money. Unfortunately the business s and ap- parently can be, done only by olicitation, which and it demands the e o office and medical staft s are rigidly down fo a minimum, is unique as compared with that of savings banks or t he investment of mone: ordinary safe wa; But because o man's duty fo protect 3 tamily 1s imperative, and s he can: not otherwise fllh(lr and fllll flhch-r.u it, he is Justified in incurring that expense for that ‘pus 5 he 1 m:z ustified in incurring that e by usk e com- pany o ‘3% some othor and différent thing dch can be done by some other instru- mentality at far less expense. ut Moreover, a life insurance company can- not undertake. the ohl!,luonl and Ta- tions peculiar to olhnr fstitutions without ysing methods an g its business whlch cont and im- structure imposed upon life by calar purpou When a life insurance company, in order ertakes (o treat its and held for the ultimate ll “its 'Insurance contracts l( lhly 'IN de ts in & savings bank, 't to wfihdnwll at the will of to b. looked 1902, Istration; it s because of these thi the Connectleut Mutual hus refused to led asfde by the siress of competitian o aeck out iife insurance In the garb of something else, has adhéred to the trus and paruculat of llfe insurance an its nocessary méthod, and has thereby accomplished Ita intended result of pertect protection at Jow cost in an incomparable degree; it 1s because of these things that it 8till 50 bases and | cost to (lie payer of the pre- cording to his own proper Fisk whatever cause, protecting him against fraud by others and the cost of it and not, tal ihg saything, ffom Bim by any device for the benefit of someone elut Jt do ln i tuminers L Joaonceived, s based and #0 adm: red that your com- pany has ‘chieved (hat. great sirength, Steady Drosperity and that steady and great volume of operation that have en. abled it to serve its mem Snlaue advaatage; and Tt 1o in hoidme 1o the same sure conditions and in the full truition of thelr consequences that it con- fidently hopes to render a future service of equal beneficence to dependent tamilies and of equal value to those whose duty it 18 to protect them. THE OPERATIONS OF THE YEAR. In its main results and in the conditions aftectng the future with which it closss, the year 1901 was a satisfactory one. The details are given so fufly elsewhere that wo shall here dea! only with the general features of the year's experience. The new businees written was larger in amount than In ke previgus yeer: the umber of nd other terminations Wha Sonstderable. smaller; the increase. the amount of business In force was con- sequently greater, with a corresponding Increase In premium income and in assets. MORTALITY. Owing to the age of the company and the remarkably small proportion of lapses and surrenders and the consequent persistence of its business, its risks have come to have a greater average age than those of any other company; it larger resources in the also proportionately reserves held on each year a saving from the expected Iosecs. This saving during the past year amounted to The volume of risks, their exceilent char- acter, their steady persisten nd the care ‘with which the new business is se- lected to replace the old, all combine to give a mortality experience very favorable in rate and very uniform on the average. Thrnulhoul the entire history of the com- been less than four- REths of those expected. EXPENSES OF MANAGEMENT. The same careful economy has been ex- ercised as in all the past. For the last two or three years the expenses incident to the care and repairs upon foreclosed real es- tate, which have been charged to expe: account rather than to the property ac- count, have carried our expense ratio tem- rtr‘ higher than our usual standard. renge will df r as the prop- H hich, ‘hay Cavsod T ls_diaposes Of ;l‘smar 1o for 1001 was less than that fflf REAL ESTATE, INTEREST AND IN- VESTMENTS. For the seven years prior to 1M1 fore- closures of mortgages were in considerable excess of sales. During the last year, how- ever, the situation has changed; We took In properties costing us $217,§14.35, and _sold Properties {hat had cost $865,310.06 Some of these sold at a pmn and some at less than original Cost. x the propert! sold were among ‘our OlRer holdlnn in lo- callties where of business centers nrnuenuy devnd- S0l BEveSomme proporiies. tn ke Which will probably sell for somethi Than cost, and It 13 eur purpose (o dispose of them 'as it can be done without un- rove income and 8T t.u-non. luce expense. Upon r body of our holdings, however, may mnlbl expect some gain in @a fair market. o a ot & satts- ur‘ntlr(lt rlu'_on destrable lwfl securities has tended to a still (u cline, with a growing scarcity the. factory investments for funds In lha mluu gLa crust, We bave m'j“, ly Ieduced oans on 'real esta ncreased c holding of first-class securit The balance or net mm the year upon chat in securities and sale of real estate vu ,008.75. o to b d they are Of & \Unfavorat by market fuctua- Sinfavorably affected tions. SURPLUS AND DIVIDENDS, As the cost of a man's polioy in a mu- tual insurance company is the difference between the premiums charged and the amount returned to him by way of a aivi- dend, the surplus earned and the surplus divided become very important factors in his experience with his company. Surplus can “be earned legitimately in only ways: 1, by il ‘expenses than mium prot thy pre- ides for; 2, & less mortality an {8 provided for; 3, by a higher rate of interest than is assumed as (& probable in_computing premiums and Jears the competition has ha nse_account of For a'bad ‘H{’él Jpon the ex s, lnlerelll ""!:n?‘i: ‘ mpor om of poseibl Vhe matter 18 business to the Sedben ‘pay Teserves necomary io its 1) ...h nm.&' Imln( p.' y'm.'nw- for ¢ o "charge these {¥5dly thate” ann not th l-:r- but with “ missions to agents and other elp:::l which take out of lhm r a large rcentage on each or patd n, varylng according In he eomny'- economy or w stands in contrast wi mfi" savings banks without any comm) ht comparative cost w R Rt Investmente. 18 mortgag ands o good stocks, With no experise 2t | Vil iy PRESENT COMPETITION. Obviously one cannot afford to employ a life insurance company with its necessarily high expense rate, to act as his savings bank, nor to regard its policiés, however phrased, as resl investment bonds, nor to have his life ll\lurl-nc. on waich hll tnmlly depends _exposed 10 T ne whlesate vmunm‘ ¥ others: ot t necessary reserves As. if they were really mere deposits in t it is precisely alo lines that business is most wougl 3 companies seeking it most that have the heaviest expense rate, an the business ured 'In, part ‘at least through misapi xpense 1s Concesled Trom the Dollcy BOMer for the Pl';‘li(li\l bry . Wh‘{;‘l dlvides periods of years, wil expeotation o that meantime many forfeitures will octul.or and the for the benefit of those Who ou tsta: perlod; the “5 per cént bond" selis lnrou 3 concealment of its cost and of the fact that for the same money one &, $10.000 “bond” e could Have tng "" i 000 cash down; fe et foins ), . SRR, s trusting lu come which would d-lroy mm as Inllr_ ompanies. LESSON OF EXPERIENCE, And yet one of the most striking features of the experience of the companies com. peting by these methods for great growth for tweniy-five years &nd more is the fact hat, notwithstandin enormou e e umes which ‘Ba g mer 3508 pronts e hads oo (s o i u yed the deferred aly vt Abd bense has been 50 Ereat (hat ‘the oe Si¥jdends have not even pprozi Satimates upon which the b Secured. odlh ness was THE SOUND POSITION. It is because there s but just the one thing that life insurance can Go that no other institution can do. &nd because, at best, its necessary cost is Pelatively m‘m and because any other fingnelal o can be better and more ’:n- bty Some other institution own specific purpose, {nsurance compan et other nstitation take except nd ex- ve o ' because lny hod ahd "lgci nd - lndurance ‘fl"m‘.‘ifi cor Gestructive. of the and results of life Yy are those lnd main- I.lcl:( HuI?ull for now el company, down its returns; Ih.' l ln: down, and that |l lufplul Il I|- iminishing. ! 3’ have never undertaken to nr‘yhuy We do not try prejudice events. fer to meet ¢l and our duty to them, without or prejudic B wrons’ precon gflou.o Yoty b s lrna ving put ourselves in & hen we no h;:'n un the nurp us we are di- viding trench Tpon the Jan Roihe Jarge sxistl %o Tain of afvidend, ws shall 00 hesitate 0 say 5 and to act as the facl may requ utre. HISTORY OF OUR SURPLUS, We only wish to call the attention of those in any manner interested to a few pertinent facts: For many years this company has been ' man's nts as smAll yet, as it is mpfllbll lhll an y comyhtn division can be made, X Ual if smail annual reduction nt tends to QMP Dudnan It s desirabie fn unus years |0 |ccumuhl0 such mar; over and above or- capacity, to be used -asflll Jeaitly Nelps' the BremIuMm-payer, and e roper Mjultmonl post-mortem dividend Peihs made, it works mo inequity to any "Buring the d be nad ocgasion to tremch very largely on accumulated surpla 251 Tes surplum &7 per cent o bel) untoward, the dividend scale l‘ l.l apparent actual capacity. e amount annual recast the premiu ngse on & H liberally revise the scal the surplus contin 10 w;n ';':' oad st 8, Voo OF “le sate. Wi huna‘-lf:mbl. pol ienkiy €0 upon & scale that sq h It Foeas and conditions lkely to Bovern gver Bido rcater’ com: b our reserves by reason Cent interest reduce taxes and expe: s, g we shrunk our surplus fast year onl 5 our s(ul!lun respecting the use of lurphn difters materfally from that of most compantes in this, that the bulk of theirs i8 held undet a moral though not a legal or contract lien for the deferred dividecds hoped for by those who outstay the next 1t 18 not 80 with us. 1 but for the bv-nrn whole. We ask careful scrutiny of the fellowing record of the operations of fifty-six years TRNR | E!!! ifl 2% g i : CHIRL 2 »EE" I | | g 1 EE 1 P M deg: ¥ 8! P ;! Gy Teli oRIR: 5 H % aiis 3500, yric § 4y E . if §iadd EEEE‘, § 48 i § GEas § Egs £aei 88 Egiisy ghice fgid 3 i 3 §5xsxd Spdey 28528 2 33 2 “‘sm. (41 fcaf@ &2 The Connecticut Mutual has returned to Its _policy-holders and their beneflcl,rln 98.56 per “cent of all It has recelved from them: what it has returned and the assets it _stlll holds for the security of its con- tuvt- are 12898 per cent of what It has for them, and Its expenses of Tanagement for il that time have been but 3 g‘e cent of its total income. H is the imple fact that no American mpany matches this record. And it is lhll record of the past, the present main- tenance of the conditions which magde it possible, an financial condition of un- uUsual, soundness and strength, that we offer as the best possible guarantees of the future. Respectfully submitted, JACOB L. uRuN: January 21, 1902, President The Truth === OF THE =——=== Camera The immense strides made in the art of photography has at last made it possible to blish a complete Natural istory, illustrated exclu- sively with half- tone: taken from . No other illustrations rcpfesent the exact truth. The Living Animals of the World Ten Cents Each Section Issued weekly, 24 sections. by mail, 1§ cents. 1,000 illustra- tions. 850 pages. Colored frontis- piece to each section. Every Animal Photogra.phed Every Page Illustrated These half-tone illugtrations were taken direct from the original phot hs and every photograph from life. BRIGHT AND ANECDOTAL EXACT AND INSTRUCTIVE Bections 1, 2 and 3 are now ready at this office. Price, A Model Doctor’s Office Most doctors find it convenient up Stalrs at such times. The Bee Building bas all night and Bunday elevator e. Water &nd gas, as well as electric light are fn each room. The rooms are all light and our offices are Wost attractive. Remts are no higher than in inferior bulldings. R. C. Peters & Co, Reatal Ageacy,