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THE OMAHA DAILY BEE ouRn— - FOUNDED BY EDWAR) ROSEWATER. VICTOR ROSEWATER, EDITOR. The Bee Publishing Company, Proprietor. BER BUILDING, FARNAM AND SEVENTEENTH Entered at Omahs postoffice as sccond-class matter. TERMS OF SUBSCRIPTION. ; or of Bee, Circulation REMITTANCE. Renift by draft, express or postal order. Only two- cent stamps rfecelved In payment of amall ae- oounts. Peraomal checks, except on Omaha and eastern e, not accepted. o S OFFICES. gmhu—Tho Building. louth Omaha—#i8 N street Council Bluffs—14 North Main street. Bullding. Lincoln—3 T Chica, Hulding. New 1105, 286 Fiith avenus. Bt ot Commerce. Washington—1% Fourteenth 8t., N. W. CORRESPONDENCE, ‘Address communicailons relating to news and eodle l‘orl‘l matter to Omaba Bee, .{axww Department. jraiiomnniy JULY CIRCULATION. 53,977 Hag'(‘:f Nebraska, County of Douglas, as.: it Willlams, circulation manager of The Bee Publishing company, being duly sworn, says that ths average cireulation for the month or July, 1915, was " _DWIGHT WILLIAMS, Cireulation Manager. bacribed In my presence and sworn to before me, this 30 day of August, 1916, ROBERT HUNTER, Notary Public. Subscribers leaving the city temporarily should have The Hee mailed to them, Ad- dress will be changed as often as requested. Aungust 16 —.;aa—“‘ Thought for the Day | i i This is the gospel of labor —~ring it ye beils of the kirk, The lord of love came down from above T live with the men who work. ~Henry Van Dyke. Get ready for near-side stopping of the Street cars in Omaha. Sei——— Viewed on the forelgn exchange counter the almighty dollar sizes up to its title. The Missouri river question is not so much one of navigation as devising adequate means of anchoring in pu bed. ' (——— : The impending tax levy on Omaha property is at least 10 per cent higher than it need be, i Dut again, “What are we going to do about it?" —ppm——— Now what a chance President Wilson has to prdve democratic devotion to the principle, of a _nonpartisan judiciary by giving that appointment 1o & good republican. ’ Three whole days have slipped by without X trom Envers Pasha. Hvidently the taikative Turk is reserving his conversation for unbidden callers at Gallipoll. Water as an um fuel is promised by a Washington inventor, Probably the elements foresaw the coming demand and spilled supply stations with prodigal liberality, 2 S——— Any wonder the Goddess of Liberty on the city ball became lonesome after the sister God- dess of Justice, 20 long surmounting the court house acrpss the street, disappeared? S—— ' People are cautioned In sdvance that a flock of fakirs camp on the trall of Billy Sunday. It cannot be emphasized 100 much that the gen- m Hunday goods are to be had only inside the Sm— Semator Lodge wants to call the merger of ; g.'”‘ republican factions “reuniting” instead of ! back.” All right! Anything to remove the 4 tness if only the object 1s accom- ~ Italy is reported to be on the market for a 1can of $50,000,000. The amount s guite mod- 08t &8 Defits a recent ally, but s sufficient to ~sharp fit of coughing. . » e— According to General Leonard Wood, the ‘chief military need of the United States, is tor _army officers. Give us plenty of general colonels and majors, and the “high privates ~ will take care of themselves. 3 Sd—— It guided by purely partisan motives, repubil- ‘cans should favor the candidate most advanced in w- for that federal judgeship vacancy. The younger the man, the farther the next turn, and life tenure jobs seem to be a particular incentive to longevity, — ~ Though by law the secretary of state is en- titled to have them, the polt s are not ‘golng o make very good mailing lsts after two yeara. The percentage of voters, whe move ‘around between biennial elections is much larger Cooling Off a Little in Europe. Close observers think they may now detect some little indications that the warring nations of Europe are approaching the time when they | will be giving more heed to reason and less to passion. The bitterness of the conflict seems to | be subsiding in some measure, and the intense devotion to the notion of crushing the enemy | 1s slacking a little. Terms on which to base | peace, broached by unofficial persons, are not at | all likely to be as yet seriously considered, but that such proposals may be made Is at least to be taken as showing the set of the wind. This | does not necessarily mean that the end Is near at hand, but when rancor gives way to sober re- flection, the heat of battle must be cooling. The temperature-reducing process seems to have set | in, but it will take a long time to lower the | thermometer reading to a point where it may ! le sald the fever has disappeared. The en- couraging fact at present is that the heat is not rising, and may even be diminishing. Alone, and Yet for All From Washington comes the word that the United States has declined to join with Swedan i in joint representations to Great Britain in the matter of neutral trade. Several times in the last few months it has been urged that all the neutrals, the United States leading, unite in some action of protest against the course of the lelligerents, the advocateg of this plan insisting | that it would give much weight to the proceed- ing. This country has prudently and consist- ently deciined to entangle its case with that of ony other nation. The interests of each of the neutrals, so far as overseas trade is concerned, are largely identical; none of them can sufter much in this connection because of the inde- rendent action of the United States in dealing with either of the offending powers. On the other hand, to join with any country might sub- Ject the United States to the suspicion of favor- ing one more than another. If the point con- tended for by thig country is gained, all neutral nations will share In the outcome. SeE————— For the National Defense, Somewhere between the declaration of Mr. Bryan that an army of & million men can be raised between sunrise and sunset, and the equally sweeping assertion by Major General Leonard M. Wood that the volunteer army is a failure, will be found the medium that truly ex- presses the need of the United States In the mat- ter of national defense. One difficulty encoun- tered In approaching the topic is the extreme range between the claims of the two groups that are just now stirring up the country with their ‘Jamor. One side insigts that the nited States ir as defenseless as oyster without a shell, the other that we are in no danger of attack, and, ‘therefore, require no special defensive preparation. ‘ The United States undeniably is not so well prepared to enter on a great war as any of the Kuropean nations at present involved in armed strife, nor is it likely we ever will be. It is not desirable nor expedient that we keep prepared to call {nto the field trained and equipped sol- diers by the million on a moment's notice. Our defensive armament, s0 far as has been made, ic first-class. Our professional soldiers are as capable as any in the world, and our general staff has not neglected its most important duty, that of studying the methods of meeting any pogsible attack. Thus, the Unfi States has the nuelous at least of naf defense. As to the volunteer army, with respect to ti opinion of so eminent authority as General Wood (himself a volunteer), it has not failed. In our few wars volunteers have been found in plenty, and as a supplement to the regular estab- lishment have provided sufficient force to achieve whatever was required. A program for npational defense s being worked out by the army and havy experts, and will be presented to congress at its coming ses- slon, which will be entitled to receive our seri- ous consideration, but we will always have with us the professional fighting man and the opti- mistic psacémaker, neither of whom will ever be entirely satisfied with what is done. One champion of the proposed new fire alarm system wants It because the downtown Musiness district needs more protection; an- other says it \is necessary because in the outly- ing portions of the recently annexed districts telephone service is not sufficlent. A third says It will reduce insurance rates by one-third at least, while a fourth says it may bring rates down as much as 10 per cent. These boosters for the system ought to improve their team work. In the meantime, no one has pointed out where the fire loss in Omaha has been seriously avgmented by reason of delay in transmitting alarms. Neither has any pledge been given by the Insurance companies that any reduction in rotes will be made It the new system is installed, Why do net the promoters- get down to busi- ness and make the city some specific pledges, m-order that the taxpayers may know what to expect? e——— Printers sat down squarely on the propesi- tion to hold the annwal convention at the union’'s headquarters. The reasons advanced for a fixed location apply With equal force to all conventions. But the majority of delegates prefer entertainment to an uninterruped conven- tion grind, and until that natural desire is curbed conventions will go to the citles offering the most attractive inducements and the grind will remain with the officers as a reward for their salaries. the Ee—— club g Refusal of the eourt to quash the indictment ugainst the Hon. Thomas Tagsart no doubt will be joytully welcomed by the Indiana democratic boss. The mere suggestion of Taggsft belug gulity of shady political work and falling to get eway with it smirches a record unique in e B R NS T P Py THE A e s R S I e BEE: OMAHA, MONDAY, Co-operation and Rural Bank Credits K. V. RATMAXER, Ohio Inspector Bullding-Loan Associations. Among the farmers of America the idea of co- operation s spreading at a surprising rate. The re- port of the agricultural department of Kansas, just off the press, gives a list of the mutual, co-operative farmers' organizations of that state, which numbers about 40, and includes grain elevators, creameries, cheese factories, stock improvement associations, and many other lines of activity. In many communities in many states mutual fire insurance companies are canying the insurance risks of thelr members; mu- tual telephone companies connect vast rucal regions with & network of wires and give service to millions of our farmers: a few months since, in conversation with the national secretary of one of the great farm- ers’ organizations, he told me that his soclety owned more than 50% grain elevators, orgamzed and oper- ated on the mutual, co-operative plan, stretching from the Great Lakes to the Paclife coast. Thwrough the medium of co-operative dairies the state of Wisconsin has become the leading dairy state of the union, and | each yoar ships out of its borders $100,m0,000 worth of dairy products. In the fruit districts scattered oyer many states, the producers have co-operative associa- tions which handle the selling end of their business. In the citrus districts of California and Florida the frult is handled by these co-operative assoclations. These are only & few examples which indicate the growth of the idea of applying the fundamental idea of democracy, the equal rights of each and all to the business affairs of America. Tt is a fact which is hard to explain, that wkile the idea of co-operation in business affaira is being most cordially recelved and is having its greatest growth among the farmers of America, the buflding association, which is the expression of co-operation in financial affairs. has had its almost exclusive growt!, in the towns and cities of America. In recent years the merits of these co-operative financial institutions are attracting the attention of the farmers. In the communities where this is being done, bullding assolcations are rapidly becoming the strongest institutions operating there, having greater aasets and transacting n greater volume of business than the capitalized institutions with wnich they are surrounded What is the field of operation which these assocla- tions may occupy? As stated before, the chief activi- ties of these associations have thus far been in the line of assisting town and city workingmen to save their money and provide homes for thelr families. Very little of their business has thus far reached the farmers of America or those Hving In rural communi- ties, This has no dgubt been largely due to the fact that buliding assoclations originated among city work- ingmen and its progress and development has always been in the direction of such changes and alterations in the plan as will make it most accurately fit itself to the needs and conditions of its membership. As a result, many of the features of these Institutions, which are in fact mere unimportant details of organi- zation and of plan and method, have come to assume in the popuvlar mind the welght and importance of vital, necesrary features. For example: In the popular mind, the idea of a bullding assoclation loan is one where the barrower pays of his debt by small pay- ments made weekly or monthly. Since the business of the ordinary farmer does not enable him to meet these weekly or monthly payments, therefore the bullding association cannot be adapted to the handling of farmer loans. Now, the error in this statement is in the assumption that weekly or monthly payments is a vital feature of the bullding association plan. A more accurate statement of the bullding association plan of loan s that it Is a plan by which the borrower is enabled to pay off his loan by making perfodical payments of a sum sufficient to cover accrued iIn- terest and an amortization payment on his loan. The length of ‘period between the payments is not a vital feature of the plan, but should in every association which desires to do the greatest possible good in it community and serve the greatest number of peoph, and In every loan made by such an association, be so fixed and adjusted as to fit the needs and circums stances of the individual borrower. If he ts a factory employe or engaged In any occupation recelving a weekly wage, fix payments on the wwekly plan; if his wage is received monthly, make his payments colncide with his pay day. On the other hand, in the case of a farmer, you can give him a loan contract in which his payments fall due semi-annually, which will exactly fit his needs and his income, and will violate no fixed principle of the building assoclation plan, 5 My plea is to widen the field of bullding assoclation activities. Not by going into the forbidden flelds cf speculation or unsafe investment, but to retain and keep ever In mind the motto of the Bullding Associa- tion Leagues of America, “The American flome, the Safeguard of American Liberties.” Some bullding Assochation men seém to Interpret that motto to be restricted to the town home or the city home; to wny mind, however, it is broad enough in its language and wide enough in its application to embrace every home fireside in all the land, whether in tne crowded city or the busy village, or amid the quiet acres of the country farm. By widening the building association plan #0 as to adapt it to the needs of American farm- ers you at once open your doora to admit on equal terms the greatest source of weaith in America. Last year” the produce of American farms aggregated $10,000,000.000. Al the revenues of all the rallroads were a me-e bagatelle to the vast resources of Ameri- can farmers. And yet while the farmers have such vast wealth, they are in the worst financial condition a8 & class of any to be found in America. Why s this? Simply for the reason that they have not yet learned the art of co-operatiom, of combination, of team work, in handling their money. The buliding association is the mighty, successful example of tha very lesson they should learn tracts from address deliyered at the San Fran- ew.:‘ convention of the United States League of Build- ing and Loan Assoclations, Twice Told Tales The Antt Tipper. Dr. Willlam Lynd Stevenson, president of the An. titipping League of ldaho, sald at a league banquet in . v “] visited New York last month. I put up at a finy hotel thero—$4 a day, in fact, for room and bath. But what service! “I went into the hotel restaurant the evening of my arrival to order dinper. [ ordered a simple enough dinner, according, at least, to our Idaho standard—a dluner of olams, cold consomme, grilled brook trout, fllet of beef with mushrooms, chicken & la broche and #0 on—yet a simple enough Idabo dinner, but, by erl- nus they kept me waiting In the heat and noise and amelly an unconsclenable time. ‘Unconscionable! “Finally | called the maitre d’hotel and sail: “In it the rule to Uip the walter here? “Yes, salr,’” sald the man. ‘Oh, yes, sir’ “ “Then,' sald 1, ‘mive me a good big tip. I've been waiting close on to three hours.' "—Bolse Statesman. All in & Day's Weork, In & town of Maryland one Bill Morton appeared before the postmaster one morning. and the following colloguy occurred: ) ‘Morning, Mr. Postmaster.” “Morning, BilL" “Has Tom Moore been in for his uhas TI yet?h ¢ “Will you be here when he comes? FELEfeIf U efer 1 Marines and Miuejnckets, | OMAHA, Aug. 16~To the Editor of The Bee: 1 doubt if half the people in the United States know the difference be- tween a marine and a bluejacket. The newspapers are partly to blame because | they constantly speak of sallors as | marines. A marine is not a sallor, even it he does serve on board ship. He is a member of the United States marine corps. Marines are to be found on dreadnoughts, battleships and armored crulsers only. There are between fifty- #ix and seventy-two marines on ail ships of these three classes while the num- ber of bluejackets range between 700 and 1,000 on each vessel. The marines | do not take part in the work assigned to the sallors. They are on board to keep order. They are often called the | “policemen” of the ship. Saflors look down upon the marines and often times will have nothing to do with them. I hope this little criticism will be of use to somebody. ONE WHO KNOWS. Sounding the Alarm. OMAHA, Aug. M.—To the Editor of The Bee: 1 see the argument between Mr. Whitnell of the fire department and Mr. Kugel of the police department over the proposed expenditure of about $120,000 for a new fire alarm system. The way I see it Mr. Kugel is not butting into Mr. Whitnell's business, but as he has A vote on the guestion I think Mr. With- nel should state clearly the advantages of the system and show absolutely that it will reduce the cost of our surance and not make it a personal is- | sue, Mr Whitnell seems to try to dodge the question by saying how Mr. Kugel's department s run and slurring him be- cause he wants to understand why it would not be better to put on more motor equipment so that all the outlying districts ‘will have better fire protection as he thinks the telephone alarm system is very good for the present Now I would like to see Mr. Whitnell show Mr. Kugel where the system is all right instead of making a personal argu- ment out of It JOHN A. ROOT, #3 North Twenty-sixth Street A Boy's Notion of the War. ABHTON, Neb, Aug. W-—To the Editor of The Bee: I read the letter of R. 8. In The Bee and I know he isn't | the only one that would like a paper that lsn't pro-German. I would like to ask the person who signed himself Anglo-Maniac if he really is a maniac. | fire in- | God bless our noble president, Wood- | row Wilson, We see what a calamity it would be it Germany would win, It would soon try to conquer all the world. | Another letter says: “England .!ud the war because of anger and Who started the war? No one else but Germany and Austria. But, them, I might as well say only Germany for Austria is ruled by Germany. I wont sign my name Anglo-Maniac for 1 am onlyv an ANTI-GERMAN KID OF THIRTEEN. Preparédness with a Vengeance. NORTH LOUP, Neb.,, Aug. 15—To the Editor of The Bee: A’ dispatch from Copenhagen says: England is not so busy now making the much-needed guns, as It is in the | turning out of machinery with which the | guns must later be manufactureed. It | will be some time before the war fac- | torles are properly equipped to begin re- | lleving the gun stringency at the front. From the above, the American people | should see why the Germans are about | a thousand city blocks ahead of the Eng- ‘ lish in war equipment. War equipment is | very similar to woman's fashions. A new | suit in 1915 will not do for 1916 From | one to six months changes the fashions. | Suppose the milliners would make up | enough hats for ten years in advance, | what would the stock be worth? Nothing, | is the answer. Suppose congress appro- priate $600,000,000 to make war equipment to last ten years, what will it be worth within three years? Nothing, is the an- swer. The United States should have a couple of factories equipped at a cost of $100,000,000 for making war equipment. Those factories should be able to turn out fifty submarin ts within three month's time. An ¥perimental depart- ment should try out every available im- provement In war equipment. That would cost $25,000,00 annually. In that depart- ment & corps of experts should be main- taiped. When 1 say experts, 1 mean a class of men who have shown mechancial genfus. Suppose the entire expense of the expert be $1,000 cach, on an ayerage, an- nually; 10,000 of them could be paid for on an annual expenditure of $15,000,000— the cost of a battleship. Any real genfus | can succeed on $1,500 a year; a politician cannot do that. This country can never be efficiently protected under present | methods. Too much Wall street in every- thing and, that is what troubles Eng- land. The War and Navy departments should also have a roll of 100,000 practical machinists, who may be called into the service at ahy time. WALTER JOHNSON. 'S'matter with Base Ball, OMAHA, Aug. 15.—To the Editor of The Bee: A Yéw words about conditions in Omaha base ball. I went to a game be- tween Omaha and Lincoln Thursday and although good in some respects, it was disgraceful in others. Umpire Van Syckle “rode¢’” both Omaha and Lincoln from the start and although Lincoln behaved | nicely ‘except In one instance, the “umps” banished about six of thelr play- ers. This is the kind of umpire that hurts the game sorely. Anpother thing, any day you go o to Rourke park profane language abounds. Until this is stopped the attondance will be hurt. AN ANXIOUS FAN TIPS ON HOME TOPICS. Boston Transcript: The San Francisco. eugenists who declare that the woman of the future is to be dark are too pessi- mistic over the permanency of the bath- ing gir's susburn. Chicago Tribune: There ouglit to be a great propaganda in this ecountry, a propaganda which should sweep away all the lesser propagandas now vociferous throughout the land—a propagsuda of heart-whole Americanism. Americe needs Americans in this day and in the days | to came. Loulavijle Courler Journa): Victor Murs | dock has plunged into controversy to prove that he said, and meant “Gittite” tain Biblical allusion. prohibition Kansis would use such a term as “Gittite™ In any connection. and not “Hittite” when he made a cer- | The fact is no- | body believed that the gentleman from | ‘That Made immm . CHEERY CHAFF. | hopes tp succeed in sald Senator Borghum: “If & ma politics out in m town he doesn't want to economize.’ Well, how did your novel come out? | Washington Star Not ‘so badly. 1| made pretty fair —_ terms with a junk man to take the en- b - 3 Small boy—Ma says this here butter i8 o ed h 2 e Cov o tiro edition."~Zatnsville Courler Journal. |, GRG0 POV TR S o ke It good Grocer—Well, we carry an_all around stock, but we are just out of alchemy!—Baltimore American. son, ¢ Don't you think you ought to give more attention to political economy?” 5 PLAZATOTEL FIFTH AVENUB and FIFTY NINTH ST. The coolest hotel in New York. Overlooking Central Park. Within easy distance of all theatres and shops. Your address known the world over while you stop at The Plaza. OUTDOOR TERRACE AND SUMMER GARDEN Special Dancing Features Single Rooms with Bath, $3.50 up Double Rooms with Bath, $5.00 up To reserve rooms or to secure further information address FRED STERRY, Managing Director o —————— X -S_urvival of the Fittest The brewer who continues to use the light bottle, which necessi- tates the warning, ‘“Keep this beer from light,” signs the ultimate ' death warrant of his brew. By his own confession he breaks thatun- written law by which every man- ufacturer should abide—the pro- tection of his pro- duct from factory to consumer. Brown Bottles is the Purest Beer Brewed —it is all health- fulness—fromthe brewery to your glass—light can- not harm it. It COosSts no more than beer in light bottles. See that crown is branded “Schlitz" 728 8. 9th St, Omaha, Neb. Phone 424 " Hy. Gerber 101 8. Main St., Council Blufls | 3 IS