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EBRUARY 12, I90 January 1, 1903. Twenty-seventh Annual Statement ASSETS Interest and Rents, due and ac- erued, Loans on (‘olllk;rll Securities,. .. 4, Loans on Policles, ............. 1 Premiume Deferred and in course of collection (net), .......... 1 Total. LIABILITIES . $60, Reserve on Policles, ............ $49,800,630 00 .MARKED REDUCTION IN EXPENSE RATE. All other Liabilitles, ........... 923,304 54 9521400 33 384521 34 , 736,750 00 066,916 83 K12,795 06 & ¥ Polic 245,330 &7 H Home Office: Newark, N. J. Asst. Sup’t., Room 203 Sapp General Agest, 442 Bee Building, Omaha, Neb. L E FREDERICK, Superintendent, 210-11 New York Life Building, Farnam and 17th Sts., Omaba, Neb, JAMES E. TORBITT, E atures of the Year's INCREARED DIVIDENDS TO POLICY-HOLDERS INCREASE IN PAID-FOR I\SURANCh IN FORLE over MAKING THE GRAND TOTAL OF Paid-for Insurance in Force over 800 Millions | Paid Policy-holders in 27 Years, nearly 68 Millions, Administration were The Progressive Management and the Judicious Care of, and Liberality ia Dealing with, r-holders’ Interests, have made this ONE OF THE GREAT LIFE INSURANCE COMPAMIES OF THE WORLD, RUDENTIAL H R. GOULD, » Black, Broadway and Scott Sts., Council Blufis, Hardware Men Incline Toward Formation of Mutual Compeny. OLD LINE RATES ARE TOO HIGH NOW Committee i» Working Out P Be Presen o State Aswo- clation Which Meets at Lincels. Co-operative insurance will be ai cussed by the retall hardware merchants of the state when they meet st Linceln this | week and & committee which is to submit & report to the association on the subject 1s now holding a conference. The commit- tee s composed of John Hussie of this eity, a member from Lincoln and J. F. Goebner of Seward. Mr. Goehner is the practicsl insurance man of the committee and at the conference will subm't a plan based on the ‘methods of the Mutsel Pro- tectiye Fire Insurance company of Seward, which has been in existence for several years and which has had a successful career. Speaking of this company and the intentions of the hardware dealers Mr. Gochner sa'd: “The Seward mutual company was or- sanized several years ago and for the first four years of Its existence operated at a cost of 50 per cent below the rates charged for the same service by the old line compa- | nles in this staté. After four years the state law was changed to compel each com- pany o malntain # roserve fund and the rate was reised on the premiums of the Seward company untll they now approxi- mate 76 per cent of the rates charged by the ol line companies. Since the incease in rates went into effect one-third of all of the money ccllected has been placed in the reserve fund and the company ie in & position to pay losses as fully as any com- pany. The busivess of ihe Seward com- pany Is strictly limited to risks in incorpo- rated cities and towns, which can be car- ried at a lower rate comparatively than risks in the counmtry, where there is no protectiod from fire, which accounts in some degree for the low rate. Comp! Hig There has been considerable complaint on the part of dealers in both hardware and lumber bocsuse of the high insurance rete in force in this state. It is asserted that the plan of schedule ratings which is being spplied in all parts of the state by the companies does little in the way of re- ductng charges outside of the larger cities, INSURE THEIR OWN STOCKS | te| Asst. Sup’t., Rooms 3-5, Murphy Block; 433 24th’st., INSURANCE COMPANY OF AMERICA. BRANCH OFFICES IN OMAHA AND VICINITY: A. G. CARPER, Asst. Sup’t., Rooms 401-2 Farmers and Merchants Insurance Bidg. , Lincoln, Neb. E. L. WILLIAMS, Asst. Sup't., Room 305 Metropolitan Bidg., ¥th and Jackson Sts., Sioux City, la. ROBERT E ELLIOTT, Two South Omaha, Neb. Agents Wanted. Greatest Record in the History of this Giant Company. LIFE INSURANCE ISSUED AND PAID FOR during 1902, including Ordinary Insurance ($87,000,000), over }272 MILLIONS Bonds and Mortgages, $10,906,953 27 ASSETS end of 1902, over s 3 4 é ¥ i e . . 60 MILLIONS TR e gs':ll"‘:;-‘;::h':""' whal Betate ... .nsmsma | INCO 15 during 1902, over : : $ : « 33 MILLIONS || "7 " ™™ o™ "0 " Comptiatien R - i wd PAID POLICY: HOLDERS dunng 190-, over : £ S ¥ B b B T Ve el o Municipal Bonds (Market Value) 5,737,801 85 QURPLUS over 5 y . é - % : p 9 I\IILLIONS T Becretary Medical Director. U.8. Gov. Bonds (Market valwe 100000 0 || POLICIES IN F()RCE nearly : A 8§ MILLIONS || ™ Atifiet secretarr.™ """ “egical Diréctor Cash in Banks and Office,. ... 4,916,089 51 . 108 MILLIONS OFFICERS JOHN F. DRYDEN, President LESLIE D. WARD, Vice President EDGAR B. WARD, 24 V. Pres. and Counsel FORREET F. DRYDEN, 34 Vice Prosident LESLIE P. WARD, Assistant Secretary FREDERIC A BOYLE, Cashler. WILLARD 1L Aset HAMILTON, ant Becretary. FREDERICK H. JOHNETON, HENRY OVERGNE, Supervisor. WM. PERRY WATSON, FREDERICK L. JOHN K. GORE, Actuary. Associate Actuary GEORGE W. MUNSICK, Supervisor. Assistant Medical Director. HOFFMAN, Statisticlan PRUDENTIAL HAS THE A STRENGTH OF ,»);, GIBRALTAR '\” as few of the towns are given adequate credil for the fire fighting devices which they may have, and there is also a feeling that the smaller towns of the west particu- larly are called upen to make good losscs in the larger cities of the country like New York Chicago and St. Louls, where the in- surance rates are not strietly emforced. | Advoeates of the plan of mutual insur- | MADAME DISPLAYS USUAL COOLNESS ance for hardware merchants say that, as @ rule, the risk is not large on that line of business, and that it can be carried at a much lower rate than the average com- mercial risk. The committee will prepare a report showing the cost of insurance in the state | based upen the experjence of the Se'lrdj mutual company and others, and it is ex- | pected that the hardware merchants’ aseo- | | clation will adept a plan for providing in- surance at actual cost to members. HUMBERT FAMILY IN COURT Noted Priscners Make First Appearance in Series of Oharges. Present Case Does Not involve Ques- of Crawford Mllions, but is Brought by Banker on Libel Accusation. the! PARIS, Feb, 11.—The Humbert family made their first appearance in the criminal courts today when the case of M. Cattani |ihe banker, was taken up in the ninth | correctional chamber. SHEEP . SUFFER FROM SNOW | There was great public interest mani- fested in the proceedings and the court room was packed with people All “the previous examimations of (he Humberte had been held in secrét,and this was the first opportunity the Parisians had to see and hear the prisoners. The Hum- | berts were brought in like any ordinary prisoners and took seat in the prisoners box. Mme. Humbert Self-Possessed. Mme. Therese Humbert displayed her usual bravado and coolness. Her sister, Marie Daurignac, was apparently much up- nerved, and the latter's brothers, Romain | and Emile Daurignac, maintained an atti- tude of calm defiance. The case does ot involve the main ques- tion concerning the ‘Crawford millions, but e O bre ot (o Gk ey N of | M. Cattant's charge that they libelled him fraternity was Gemonstruted by & holdup | iB Teferring to him as an usurer, which in- seare which was brought off in Henry Mies’ | girectly affects the whole affair saloon, Seventeenth street and 8t Mary's | "7y, early stagos of the trial today did not avenue. last night. Into the saloon, where were the proprietor, twe custgmers and the | produce any sensations. Mme. Humbert e a long, rambling statement of her Dbartender, came af & Inte Hour (wo well | g ressed strangers. a white man and a negro - They” ordersd bior, "The bariender {urbed dealings with M. Cattani, and alleged that his demands for excessive interest and her the | borrowings from him amounted to about itk the lasses to draw the lager, and $600.000. then, the bar mirror, saw ¢ When M. Cattani was heard and repudi- Colerado and Wy in Throes of ll'r- Which Covers Ranges with Drifts. DENVER, Feb. 11.—A heavy snowstorm is in progress all ever Colorado and the souibern pertion of Wyoming. The storm in fhe mountains is making some trouble for the raflroads. lu Wyoming the sheepmen are fearful of losses should the weathur turn celd. From six to ten inches of snow has fallen and the wind is drifting it badly. | Gives Bartender a Seare. That the operations of the holdup men ho -worked the saloons of the city Serahgers were Whispering, together Now,” he heard the white man ||ul '3_your time. man dropped the glasses, say, stoaming low make & dre Tot s deer gt | 200 the charge of wsury, Mms. Humbert The fi“‘\ . meatwhile reachine in his|*PTADE from her seat and asked for the 1 hip pm‘kfl for a pretended revolver. privilege of interrogating the banker Amaged at thig alarming demonstration. | (he presiding magistrate repressed her e b of e e e the anroyt the | ne'testimony furntshed by Marie Daurig- Will Net Proseec {illam Fiison, who was arrested in the ute City loan office, on suspicion of empting to pass a worthless check. prosecuted on the charge of for but Fllson. | to leave to Mme. Humbert the direction of the plans for the prisoner's defense. While Frederick Humbert was testitylng be sought to incrimiste a number of promi.- i | the police lack the ;\:"\ptr eivden o pelitical personages including M e & comvigtion in U case. and as | Valle, the miunister of justice, when the no money had been received upon the paper which Filson was about to tender the com- | JUdec etopped him from bringing in the pany for & monetary obligation Dames of people who were Dot parties to the case. Thereupon Mme Humbert ex- claimed: “Other interesting facts will be L an i disclosed when the main case is heard.” ardesl 'h;d' .‘}l The judge again stopped M. Humbert. Women sp WIh | when he swserted that persons occupying A MOTHER of the suffering and danger in store for her, robs the expectant mot! indescribable fear, for high positions nothing compares with | the Humbert fa the pain and borror of child-birth. ’I‘hethoui t were aware of ihe fact that was in Madrid | FAVOR EXTENDING THE STRIKE to Tie Makers nac today showed evidence of an intention otler Up Southern of all pleasant anticipations of the coming event, and casts over her a " Pacific Along with :..,,. ‘ shadow of which cannot be shaken off. Thousands of women Paathe: have found that the use of Mother's Friend during pregnancy robs : confinement of all pain and danger, and insures safety to life of mother Sl Sl e, TR i ma and child. This scientific liniment is a time of their most critical trial. carry women safely through the tly pvpuu the system for the ‘- othr dn- $1.00 per bottle. Book containing valuable informatien fi The Bradficld Regulator Co., Atlaats, Ge. ~ MOTHER’S to all women at the Not only does Mother's Friend perils of child-birth, but its use coming event, prevents ‘‘morning Pacifie beiler makers' strike to the South | ern Pacific rail still hangs in the bal snce. President McNell of the International Association of Boiler Makers and lrom Ship Bullders today notified President Kennedy of the local lodge that of the eight votes of the executive coun of the national or- sanization on this guestion four had been received, with four yet to come. Nome of the four received are against ex- tending the strike. Two of them are fiatly ltor it. The other twe contain & provisiomal Tee. FRIEND Young Men's Christian sssoclation offic has been busy with the sile of tickets and | from prese:! indications - very seat be by the time the concert begins rge Smith, a colored man, lving at 2014 North Twenty-fifth sireel, was released | from the county Jail yesi-tday afte sery- ing elghty-two days on s sentence for wife | beating. "Last night he was arrested again on complaint of his wife, who says thal he has been abusing her sin e his Hberation Chris and Andrew Mortisen of East Omaha, George Mechan of 315 Paul stree {and Fred Andrews, living at Eighth and Bancroft ets were urrested yesterday afternoon by Detective Drummy. who charged them with being ncorrigibles. The | interest. | sueh IBCGUS BODIES TAKE CASH | ance frauds was made today by the confes. | Boyer. Twenty-fifth stre. The funeral of Bmma J who Aied at the home Of her parents 216 North Thir- teenth street, will be held Friday afternoon | | at 2 o'clock from the family residence. The | remains will be interred In Forest Lawn | cemetery This evening tae womer of the Church of | residence of Mrs. clause, insisting on mere defipite proof that | the Union Pacific and Southern Pacific are | allied roads before voting in favor of the extension of the strike. Five afirmative votes are necessary to cxiend the- strike. Thus boiler makers here are hanging on the portent of the remaining four with keen Awtul Loss of Life Follows neglect of throat and lung dis eases, but Dr. King's New Discovery cures troubles or no pay. 50c, $1.00. For sale by Kubn & Co Ital nx Organize Clever Fraund Life Insurance Companies in East. NEW YORK, Feb. 11.—A full exposure of the recently digcovered Italian life insur sion of one of the men concerned | Application for insurance was made in | the pame of some person in a practically dying condtion, a healthy substitute being presented for medical examipation. In cases where the original “risk” lingeied 100 long & substitute body was obtained trom Joseph Tripap, an ltalian undertaker In some instances false death certificates were presented, sald to have been signed by Cirino or by two Italian doctors. Plhenomenal Champag: The importations of G. H. Mumm & Co.'s Extra Dry into this country during 1902 were over one and ome-half millions of bottles, the next on the list being 407,304 | bottles behind. LOCAL BREVITIES. Because of alleged extre Record. ne crueity, Irene Johnson asks the district court for divorce from August whom she married in the orecinct of Uppscela, Sweden, December 12, 1882 The next regular meeting of Ahamo aux. iliary of the Omaha Typographical union will be_at the residence of Mrs. W. C. and Avenué B, Council Bluffs Nell McMahon was arre complaint of Mrs. Chatman of 2408 Cuming street and charged with belng drunk and disorderly. The prisoner sald that It served her right for beiug o for from the Third ward ted last night on the Good Shepherd will glve an entertain- ment for the benefit of 1% church at the 3. Poppleton, 2282 Sher- man avenue. All friends of the parish are cordially invited to attenc At Boyd's theater this Swedish female quintet v appearance in Omaha evening the N make iis first For two deys the prisoners are bo>s of 14 & Who run the streets Mike Malina, an Austrian lving at the intcrsection of Sixteenth «0d Brown streets, was arrested last night and bis wife and stepson will file a complaint against him today charging him with disorderly con- duc't and abusing his family. The prisoner sald that he was & hard working man and that his stepson was not: and. further, that the young man was in the habit of bringing home numerous friends. who must be en- tertained at the expense of the father Malina sald that he merely gave away 10 & natural annoysnce at this state of things, whereupon his family caused his arrest 116 years of age, | an obstacle to legible, | showed that OMAHA PUBLIC SCHOOLS ' “I am thoroughly glad that this matter of handwriting has at last come in Omaba,” said one of the teachers recently. “Other cities have -had it diecussed and have profited by it, snd T hope that it may not be dropped here until wome mistaken impressions have been corrected and other evils abolished. There are two sides to the matter; in fact, should be considered.” In this the teachers generally seem (o be agreed, but there is a variety of opimion | reveral sides, all of which | | the criginal vertical hand, and the results | as to just which side is the most important | and most in need of attention. ion of some the vertical use in the city schools is impractical and rapid penmanship, while others think that the eystem is all right, but its merits are not recognized be- use of the failure of teachers to use judg- In the opin- ment In teaching it or in directing the pu- | plls’ use of it after it bas been acquired until they bave developed a settled hand. The complaint is frequently made that there is Do instructor of penmanship in the city schools now, and that because of this the importance of good writing is no longer emphasized. While there has been Do spe- clal instructor in that branch more atten- tion is given to good penmanship in the grades at present than ever before. and more time devoted to it The present schedule for writing lessons now employed in the grades is as follows: First grade, fifteen minutes & day; second, third and fourth grades, taking two lessons a week of twenty-five. minutes each. In the seventh d eighth grades there is one lesson a week of twenty-five minutes. Above the fourth grade, however, the use of the day books is commenced, and in this book all of the written work of the pupll is done. Form, legibility and neatness are insisted | upon, and a reasonable time allowed in which to do it. As & result, the average graduate of the elghth grade enters the bigh-school a fairly good writer, the av- erage age being between 14 and 16 years. It is about insist that assume permanent individuplity, and that it is spoiled for lack of proper attention to it. Many of the eighth grade teachers say they have watched their former pupils after they enter the high school, and that the decline in their writing is marked One teacher tells of & boy, one of the best pen- men of her eighth grade until it is almost illegible. A comparison of his note books during the three years it had steadily grown worse “I was amazed,” she sald. “Not so much at the degenerated writing, but the quan tity of it that was required at e single pe- riod. When I saw what wi only surprise was at the evident lack of judgment on the part of the teacher, and, furthermore, while 1 appreciate that differ- ent subjects require a different amount of wri teachers are agreed that that wholly overdone by some teachers. s marked difference in the amouyt of writ- ten work required by different teachers in system Dow in | this time the grade teacher | the pupil's writing begins to ! whose * writing | in his third year of high school degenerated | required my | 4 ! | en work, a number of the elghth grade | matter is | There is | the high school that are teaching the same | subject in the same grade, and we are of the opinion that am effort to regulste the exaggerated ideas that some of these teach- ers haye regarding the importance of ihis written work would be fully as effectual in securing better writing, for the present at least, as to install & speeial instructor in this branch." As to (he objection to the vertical sys- tem, perbaps ihe gredtest and me sen | Take Electric Bitters. eral objection is that it is slow work and cannot be generally mastered as a hend suficiently rapid to meet the ordinary bus- GUATEMALA IN A TURNOLL teachers are divided, and with timed spec- ‘&hn Republic Declared to i imens upon which to base their opinon. | Btate of s It s argued that the writing should be Bioge. slow at first until form and neatness have | been acquired, and that speed should then | CLAIMS OF AMERICANS IN SALVADOR be considered. There is more uniformity in the writing of the schools at present than ever before it is claimed by some, and | ® the writing is of & better grade since the | adoption of the patural vertical system. | Thls revised system is an improvement over | nificant that American Fleet Wil Arrive in Waters of that Co try Just at Moment They Fal Due. average much better than those obtained while the Spencerian system was used. | BERLIN, Feb. 11.—Advices received here from Guatemals announce that the entire republic has been declared in a state of siege. Miss Violet D. Jaynes, dean of the Wom- department of the University of Illi- has been making notes on the attend- | *1 3 4 ance of women at the university since their SAN FRANCISCO, Cal., Feb. 11.—The Sal- admission in 1871. The following table | Y2dor Commercial company, composed of gives the actual number present each year | & DUmber of capitalists of Owkland, Cal., and the percentage with regard to the total | B85 @ claim for $600,000 agalnst the goi- po ernment of Salvador, and the momey will Y Attend- fall due next month, sbout the time the Year— ance. P. ange. P.C. | Pacific“squadron, under Admiral Glass, er- %—*{rfl, sk B 68| rives in the vicinity of the turbulent Ceu- Waae W = 36.4 | tral American republics. 1874-1875 % = 34| The company was organized in 1896, the s B $2| Americans retaining the control, altbough g w 2 j4.6 | considerable stock was sold to Salvado- W %8 B 16.9 [ reans. Docks were comstructed, and @ &}2 15 :- fl“) thriving business was being transacted lmaee % @ i6.5| When the Americans were frozem out and 1882-1883 . "N 18.2| the property confiscated by the govern- 18631884 ® u 2% | ment. v 33| The matter was directed to the atten- 1886-1887 N i tion of Secretary of State Hay, who ap- This table will be of Imterest as data | pointed a commission to investigate. Afier from at least one prominent educational in- stitution to the local teachers interested in the relative attendauce of boys and girls and new women students. long deliberation the commission awarded the Americans the sum of $600,000. WASHINGTON, Feb. 11.—The State de- partment bus not yet been informed of the Teported declaration of war by Seivador and Honduras against Guatemals A change has been made in the last of the series of evenings with Wagner, ar- | Disturbing reports as to unsettled con- ranged by Miss Fanule Arnold, supervisor | ditions, however, have reached the depart- of music in the city schools, to be pre- | ment from time to time. sented during the pext four months, and the last evening will be devoted to “Tris- tram and Isolde and Parsifal” Miss Ar- nold will be essisted by Mr. Joseph Gahm and & chorus of thirty voices picked from the various schools. PANAMA, Feb. 11.—An official cable ju received from Guatemals says Guatemals has pot declared war, but that Salvador, Honduras and Nicaragua menace the Guate- malan government, which is ready to de- fend its homor The C) of Healer: Through dyspepsia and indigestion They cure stomach Only G0c. For sale by Old sores, ulcers, plles, fistula and like stubborn maladies soon yield to Bucklen's Arnica Salve or no pay. 25c. For sale by Kubn & Co troubles or Bo pay Kubn & Co The perfected preduct of ffty years of Kentucky experience in whiskey making. The highest type of the @istiller's art —hand-made. For Sale Everywhere.