THE OMAHA DAILY bDEeEMBEK ' 1. 1892-TWENTY-FOUH PAGES.
GREAT SAL OF IANOS
ch
1513 1513
DOUGLAS DOUG-LAS
STREET. STREET.
InajiQtirates a. Special Holiday © ale , beginning Monday. DOG.Qthin.
H
U 1
I ALL Over 300 in use in Omaha.
Endorsed by the Highest Musical Authorities.
OVER 55OOO KMERSON PIANOS" AND'IN'USE ;
T S .6 :
We offer the above well known Pianos at Special Prices for cash or installments.
We also offer Twenty Pianos at from $200 to $250 on easy payments , MEDIUM NEW QUALITY INSTRUMENTS.
LOOK AT THESE PRICES. GUITARS , BANJOS. MANDOLINS. MUSIC BOXES. SHEET MUSIC.
$40.00 VIOLINS at $25.00 AMERICAN GUITARS CELEBRATED STEWART $10.00 Mandolins $ 5.00 $85.00 Music Box $60.00 We have the most complete
$30.00 VIOLINS at $20,00 $6. 50 to $50.00. $20.00 to $75.00. , $12.00 Mandolins $ 8.00 $50.00 Music Box $35-oo
$20.00 VIOLINS at $10.00 IMPORTED GUITARS $10.00 Banjo $ 6.00 $15.00 Mandolins $10.00 $35.00 Music Box $25.00 stock of the latest Sheet Music
. . $ , to $10.00. . . ' . . .
VIOLINS $3,00 io.o'o Mandolins Box
$10.00 at $6.00 $15.00 Banjo $ $20.00 $15-00 $20.00 Music $ 15.00
. Bargains in Second Hand . . . . . . . and Music Books.
$3 , 4 , $6 , $8 VIOLINS at $1.50 , $3 , $4 , $5 Guitars. $20.00 Banjo - $15.00 $25.00 Mandolins $20.00 $15.00 Music Box $12.50
1513 1513
DOUGIi&S STREET. DOUGLAS STREET.
happiest results. Mrs. Nuson was very
pleased at the warm welcome homo accorded
her by her friends , among whom were Mcs-
dnmos L. D. Fowler , J. C. Kuony , C. F.
Wollor , W. K. Beans , Brad Sluughtnr , C.
Hnrtmnn , Henry Bolln , O. B.Coon , M. M.
Ilumlin , Adolph Meyer , A , L. Hector , L.
H. Korty , George Hutno , Gcorgo W. Lln-
ingor. Dr. Eleanor S. Uailoy , George Bus-
sott. C. H. Fowler , James Stephonson. C. F.
Goodman , F. K. Bnlloy , .1. O. Willis ,
Euclid Martin , D , H. Wheeler.
The Golden club was royally entertained
bv the Misses O'Connor nt their homo , 'J.'ilO
Mason street , last Thursday evening , high
llvo being the order of the ovoninc. Tno
prize consisted of a gold medal , awarded to
the lady and gentleman winning the most
games , which they hold until tha following
party , when it is transferred to the winner
of the evening , and was awarded to Miss
Rosa llurr and Mr. Bradon. After nlovcn ,
games were played delightful refreshments
were sorvoa. Tboso present worn Mr. nd
Mrs. Koshun , Mr. nnd Mrs. MclCllmnoy ,
Mr. nnd Mrs. Madden , Mr. and Mrs ,
Mitchell , Misses O'Connor. Uoblnson , Durr ,
Hnmmona , Trott , McMlllen nnd Miss Pie-
nrd , MosfM. O'Connor. Sullivnn , Braden ,
Burgess , Hammond , Picard , II. Kobinson
ana S. Hobinson.
A vorv successful fair was hold by the
Indies of the First Congregational church on
Monday , Tuesday nnd Wednesday in an tin-
occup't" ' portion of the Crclghton block , the
room being qulta transformed by moans of
rugs , portieres and fancy work on salo. A
most appetizing luncheon was served , bolng
well patronized , us H was so convenient for
gontlomun down town. The Indies presiding
nt thu various booths were as follows : Fancy
work , Mrs. Ctflpulzor ; apron booth , Mrs ,
McMillan ; dining room of the nineteenth
century , Mrs. Du Boiscandy. ; . Miss Batisor-
man , Mrs. C. B. Moore ; the paper booth ,
flowers. Mr * . Ilouso ; Infants' wardrobe ,
Mrs. Brunncr ; sherbet , Mrs. Kaymond ;
dolls , Mrs. Condon. A sylph-ilka dross
form was gowned In a robe with nninbnrloss
pocUots , oaeh of which was marked with the
price ot the contents. U was culled. "What
is It , " ana was taken care of by Mrs. S. S.
Curtis , assisted by Miss Curtis and Miss
Doano.
Mm Johnson bos returned from Culeapo.
I.Hdlon should , call and got the latest designs
in hair dicsslnc.11 South Sixteenth street ,
with Mmo. liickmun.
AFTEU THE PLUM3.
< iiiv riii > r-iin : < ! t Ovurirliiilimul
trull Application ! * Tor Oilier.
Clovornor-nleet Crounsu has returned from
his eastern trip and is once moro the prey of
the ofllccscoker.i. Ho said this morning that
It was impossible for n person to conceive ,
without actually having the experience , of
the number of ambitious patriots tboro uro
who uoslro to servo their state in son.o c.i-
paclty or other His mall contains from
llfty to sovcnty-IIvo loiters per day from
ofllcesockcrs , und they ull talk business ,
Thu fact I bat the democrats were success
ful in the national election makes the num
ber of tnoiQ whn ilomaud something nt the
hands of the governor ull the greater , ns the
vntiru federal brigndu , together with these
who hoped to bccomo it part of the federal
crowd , Is thrown in with tha seekers for
statu patronage , as that is all there is In
eight for them.
_
* There is nothing mnro appropriate for n
Xmas offering than u box of "Huylor's" de
licious candy. Cull at Kmslor's drugstore ,
223 South Sixteenth street nnd leave your
order before the lUth Inat.
Jloiniivt'd From Ttimutiitloii ,
John Pool , Tom Connolly nnd John Mc
Laren hnvo uocn declared paupers and have
boon sent to the county poor farm , where
tboy will upend the remainder of tholr days.
For years nnd yonri Peel has been known
us a mu'nk thioi , but ho has never stolen
property of sullkloiit value to Insure him u
term In tha penitentiary. Uo was once a
soldier nt Fort Omaha aim was discharged
from Iho service oa account of his absolute
worthlessuoss. After his discharge it is
nlleged that DO took HP Iho occupation ot a
potty thief and blnco that limit has spent a
greater portion ot his tlmo In the county jail.
Instead of tailing valuables bu ulways stole
rtomutblapr to out , und scores of times' ho has
boon caught with M inuuy plei M bu oould
curry.
IIIEOSOPIIY'SHIGH ' PRIESTESS
Something About tlio Life and Works of
. Mrs. Annie Bcsaut.
MR. STEAD'S ESTIMATE OF HER WORTH
Two lectures to Ilo CUvun In Uiunhii by TliH
Clminpluii of the Cuu of llumim IToo-
< lum What Slio lln * Done lor llor
Sisters Throughout Iho World.
Annlo Besant , of whom KdltorVilliam
Stead said in his Koviow of Reviews , "ono
ottQo most remarkable Knglish women of
the apostolic typo of this generation , " will
deliver two lectures In Omaha December IS
and 10 , Unity church having been secured
for the high priestess of theosophy. Sunday
evening Mrs. Besai.t will lecture upon the
ptoblom "Labor Strifes in the Light of Ho-
incarnation , and on Monday ovoulug "An
Outline ot Thoobophy. "
Mrs. Besant is 43 years of URO , and early
in flfo married n Hcv. Besant , brother of the
novelist. Her maiden name was Wood. Her
early teacher was Miss Marryat , the favorite
sister ol Captain Murryat , Her brother is
Sir Henry Wood , secretory of tlio Society of
Arts of London , who was iu this country
this year on business with the World's fair.
Her crandfather was really the clllcient
cause for the blrtb upon English soil of tao
queen of England. Ha paid tha debts of the
notorious duke of Kent , the queen's father ,
thus permitting the return of that noble and
bis wlfo to England in time to have the birth
of the future rater occur in Britain instead
of in ( icrmnny. The late Lord Hathaway ,
lord chancellor of England , was her cousin.
In aupcarunco Annlo Besnnt is what her
nature la , that is , an enthusiast ot the typo
that will not give up its Ideal oven though
she mlcht alter the moans by which she
should strlvu for Its accomplishment , she
is of good height and graceful. Her hair Is
growing gray and she wears It pushed back
from her forehead. Upon her brow are the
murks of care and thought. Not thu lines of
hunger nor of hardships , but of mental
struggles ; those lines , too , that como from
seeing tbo poverty and mUory of others und
trying to relieve Iboin ; the marks which
will show themselves in ono who is unjustly
attacked , who lights for a forlorn hope , who
has been stabbed in the heart by these who
lira servers of time.
blrangu is not Iho word to apply to her ,
though btio is certainly remarkable. Few
men or women have had so checkered and
varied n career. Some peoplu claim there Is
no I'hancu in ilio universe , thut wu make our
own destiny unit modify our environment by
o'ir efforts. If environments uru indicative
of the soul within , thu ovor-Bhifllii ? ones of
this woman show n many-sided character.
Horn of Irish parents ; murrlod to u.ulorey-
mun of England ; forced for conscience's
sake to eschew the communion ; separated
from huslutnd nud children ; throwing her
self among Ibo poor of London ; working for
tha destitute , the outcast and thu oppressed :
striving for freedom of thought ; associated
with agnostics i.nd protestors of all sorts ;
co-laborer with Charles Ur.tdiaugh for tun
secularists ; member of tht < London school
board ; student , writer and orator , und al
ways philanthropist , shoallasi mot u woman
with u nature even morj phenomenal than
her' own the late Mme Hlavntsky aod ,
won over by her , thereafter dovolnd all her
inherent fotca and acquired ability to tbo
tbcosophlcal movement.
These who know her the best esteem her
the most. Once beautiful , now showing
murks of the many buttles Iu which shu has
taken part , she is still , and always will no ,
attractive , interesting , fascinating. Wavy
gray hair makes a far from unpleaslug back
ground to n mobile face und tbo most honest
nud Intrepid of clear brown Irish eyes eyes
that can look at QUO both penetratingly ana
searching ! ? , as well as sympathetically and
Utndly.
These who know her well know how
bravely she has always'boruo horsolf. In the
face of n mob ; before armed men ; oil the
platform with a hostile audience ; with voloo
and pen ; by word and deed , she has never
'uiled to show unflinching courage.
It used to be Iho fashion in England to ig-
lore the cxlstunco of Mrs. 13osant , but that
s no longer the case. She has entertained
andspokon on her vlows to many n person ot
: ho higher circles , and lias been invited by
thorn to their houses. Many a meraoer of
bor branch belongs to the nobility there , and
[ icoplo have at last como to the sirao conclu
sion as Kdltor Stoa.d , thut tbera is a noble
soul who may have some peculiar notions ,
lut who Is honest , sincere , Just , bravo , tiro-
ess ; and these qualities are not common.
But the poor always loved her , for sbo has
been tholr friend and has helped not only tha
general mass , but ever and ever again in
dividuals. Ono of ber latest works was to
take $ Ti,000 given to Mrae. Blavatsky and bv
the latter to Mrs. Bosant and with it optm a
club in tno east end of London for the poor
girls tnoro , where they can po and amuse
themselves and which is managed by
another worthy member of the Theosophical
socloty. In this club also the match girls of
London bavo their headquarters.
A striking peculiarity of Mrs. Bosant has
not been notteea in the many articles that
have boon written about her. It is in this ,
that although she is a forcible speaker , with
n strong and deep voice on the plutform , tbo
moment slid has done her specking her voice
is that of the most womanly of wornon , and
there is not the slightest trace of that bard-
ness one so often sees in these women who
have hard work to do In reforms of the na
ture she has engaged in. This is most notice-
nblo. It is not perceived Dy the general pub
lic ns they only see her oa the platform ; out
when ono has been with bor In private
11 fo ono feels the charm of her soft even
voice nml her oven manners" . No ono Is
offended bv her. and for nit she has ever n
sweet smile and a pleasing way , making you
think perhaps this woman cannot work. . But
In a few moments you see there Is depth an d
power and firmness in her eye. and on some
themes in conversation a notn arises iu her
volco giving warning of the strength and
bravery of her nature. Thus it is that all
wno know her well do also love her as well
as admire. Truly , Mr. Stead remarked , she
In ono of thu mo. t wonderful of women.
For most of all is the fact that at the
lima she hud no spiritual hope , no gleam
as to the future , she still worked on and on
for thu poor , with no desire for reward no
belief that any ( Jed or future would reward
her. This It altruism , tbis is unselfishness.
II Is possible t.o work without worldly bopo
if you hope In the life to como , but when you
uavn no belief in Iho world to coma and still
work for your human brothers , this Is tbo
very height of true andoavor. But now , ns
she says , theosophy has opened the door
again and shows 'ho real future , although it
bus not , nna never will , make her bcllovu in
nn anthropomorphic God or n bavlor other
than the good deeds of every man ,
The "No. 0" Wheeler \ ; Wilson is n rapid
stitcher ; so rapid that it will stitch three
ynids of goods while only two yards uro
Doing stitched on any vibrating shuttle ma
chine. Sold by Goo. W. Lancaster , fiH S ,
lUlu street.
U'oniliui'ii ol the \Vorlil ,
The prosperity ot Alpha camp , No. 1 ,
continues , HIM at Itc last mooting twenty-
live candidates were initiated. Deputy
Sovereign Consul W. W. Moaoloy has contracted -
tractod to put , the camp 1,000 strontr nr.d
there is no uouot ho will accomplish bis
purpose. Ho has hud printed n complete
roster of the camp to November ' . ' 5 , which
contains tbo na'nies of ever 000 of our citi
zens. Thursday evening list tbo camp wus
the recipient of a unique and tasty gift from
the wife of Clerk C. K Alton , Tno valu-
ubla features of tba oraor , written on a
typewriter , in the form of a. monument and
neatly framed , the otitlro work being dona
by Mrs , Allen , wus received by tha camp
with many expressions of appreciation and
ciatitudo , The next regular meeting will
bo In Ibo nature of a ' 'stag" parly , to which
all friiindn nf the order nre invited ,
Druid uamp , No. - ! ; > , located on Thirty-
socood and Ames uvenuo , has now a mem
bership of 15U , which is constantly increas
ing , Tholr social and dance held Friday
evening , November 2.1 , was a grand success.
It la tno intention to form'a Woodmen's
circle In connection with this camp la tbo
near future.
Tliero Is nothing more appropriate for a
Xiims offering than a box of "HuylorV do-
Holous caudv. Cell at Klnsler's drug store ,
--J South Sixteenth street aud leave your
order before the lUth lust.
WHAT MUSICIANS ARE DOING
Musical Notes and Gossip Gleaned from
Local Fields ,
SOMETHING ABOUT A POPULAR QUARTET
Novel Christening That t'rruoclml a Sue-
ocsHtul Curuer Tliu MoiuloUHiilin CIill )
ol lioitot ! 11 ( Joining Attraction
Musical Church .Services.
Fo\v features of vocal music have a
strougcr bold on tbo sympathies of Ibo average -
ago audlouco than a selection vvoll rendered
by a mnto quartet. Whatever other num
bers of it program may bo listened to with
woll-bred silence or rocelvoi' with u mur-
raur of porfuuctory applause , the appear-
unco of a quartet of kuown ability Is
tbo bignal for an outbuslastlc recep
tion and a seldom falling encore.
Tliero Is some subtle element In tbo
harmonious blending of Ibo four voices un-
a'ssUtoil by any instrumental accompaniment. .
Unit scorns very near to nature's music und
roaches the oar with tbo olTccl of a single
harmony.
Tburo arc perhaps a dozen male quartets
in Omaha , any ono of which Is wall qualillecl
to ploasa the most critical audience and lend
an enjoyable feature to any entertainment.
Ono of tbo oldest and most popul'ir ' ot tbcso
organizations Is the T. 1C. quartet , tbo Iiuno
of whoso performances is not confined to
Omaha , but is known all over tbo
west. The T. 1C. quartet was the
pioneer of its kind in this city , and although
many blmilar organizations bavo slnco came
Into existence , its prestige has never been
assailed.
The qnurtct was organized in 18S3 by Mr.
Lee G. Kraiz , who Is still its director and
manager. It was originally composed of B.
F. Duncan , first tenor ; Lee G. Kratz , second
tenor ; J. II. Conrad , baritone , mid J. A.
Bollmun , basso , li soon ncquirod conslder-
able colobrlty in local mubicul circles , und
its services were in constant doinand.
HoassurcU by their success at
homo , Mr. Krai/ determined to tuko thorn on
the road us n musical attraction , and in IS'JU
u borlcs of contorts were given in Nebraska
and Iowa cities , Tna antortulnmcnls wcro
received with marked , approval mid during
the next season a number- points In Norm
and feoutn Dakota wow included In the cir
cuit.
During the past year the quartet has been
reorganized , A. T. Mo.Phorson , talcing the po-
bltlon of llrst tenor and William Mor
risen assuming the basso part. They
are already making preparations for mi ex
tended trip through 'tho Dakota * mid the
lliack Hills country rioxt dimmer , during
which they will uppoAr at a number of Cbau-
tuuo.ua assemblies. They will giva a concert
nt Nuola , la. , on Now "roar's night , ana have
also boon ongagoil fqi1 untortuinmants dur-
In ) ; the winter nt Lennox , la , , and at the
Nebraska Wesleyan t nlversity at Lincoln.
Tbo somewhat unique sobriquet of the
organization has hoon'uii enigma to the pub
lic , und many mid umuslng have
boon the iiitorpratlons placed upon tbo
Initial letters. "Tea Kettles , " "Tough Kids"
and a Hundred other equally humor
ous titles have been bestowed upon
them , and It Is likely that not
iiuiro than half of their admirers ara
yet familiar with the real sigaillcanca of the
letters "T. 1C. " When , atter the lirst organ-
l/allon , the question of a name came up for
consideration , it was , the unanimous opinion
of tbo members th&t It should bu known as
tbo Kratz quartet In honor of Mr. Kratz ,
to whoso efforts was largely duo its organiza
tion.
tion.With
With becoming modostylMr. Kratz accepted
the honor with Ibo reservation thut only tbo
initials of the words should bo used. So the
T. 1C. quartet wan christened and for a
loan tuna the lull name was kept a secret
between the mombora.
The quartet is sinking bettor this winter
than over before and is anticipating
increased success , Mr. MoPhcrson has
a lyrlo tenor voice which ronohos U without
an effort , and us round and resonant
qualities uro especially adapted for quartet
hinging. Ilo is still young und has proat
possibilities before him In tbo musical world.
Mr. Mcl'herson is employed nt , the U , & M.
headquarters and sings in the choir of St.
Phllomcuu's cathedral.
Tbn baritone , Mr. Conrad , is gifted with
an exceptionally brilliant volco. His tones
nro clear and well rounded and each year
marks a noticeable improvement in
his work. Mr. Morrison sings at
Knox Presbyterian cburcb ana is the
possessor of u bass voice of remarkable
depth mid power. Ho Is particularly at bomo
in. the lower registers , of which ho has per
fect command.
Mr. Lee Kratz , the manager and alreclor
of the quartet , bus boon u tcaober ol musio
in this city for tbo past half do/on years , und
is well known to the public. His volco is a
bantono tonor. nod ho is equally serviceable
as a second toner or baritone. Mr. Kratz
has charge of the vocal department of tbo
University of Omaha at iiollovuo und is
musical director of tbo choirs of Kountzo
Memorial , Knox Presbyterian and several
other local churches.
#
f *
The musical event of the coming week will
bo the piano recital by Mmo. Bloomllold
Jioislor nt the Llnlngor gallery Wednesday
availing. This is Mmo. Xolslor's second
appearance In Omaha , and no ono who heard
her bo'oro will bo apt to miss her perform
ance Wednesday ovoniug. Shu is n true
artist in her playing , not perhaps as brilliant
In her execution ns some of her contempo
raries , but the possessor of abundant tech
nique and an individuality that is always
pleasing. Her performance is distinguished
by n delicacy of shading that lands additional
enchantment and IUT rendition of the most ,
dilllcult compositions is ramarkablo for Us
accuracy and precision. The program will
include the following compositions :
Garotte with variations. A minor. . . .Tlnmu.iu
Sonata , Op. 57 , I ) minor Ileotlioven
Spliur/o , Op. 10 , I : minor Mendelssohn
Noctnrnu , OD , lij. K major Olmpln
Kttide. Op. 3.1 , G flat Uhopin
Nocturne , Op , 1W 10 Hal Goilurd
JtuL'omloii , Op. L'Jl , I ) Hut H.IIV
Kludt ) ( fllKiionno , Op. K ) , I ) Hut Helmut
( Jrolto mi.I .Musette , Op. 1 , 1) minor..H'Albert
( loniiololra , .LI/st
Tatibli ; Moral Mllltnro Schubert
The musical scrvlco at Trinity cathedral
today wilt bo especially interesting. It bolng
communion Sunday Klvoy's beautiful com
munion service in A will bo rendered
in the morning by the full choir.
The morning anthem will bo "Prepare
yo tbo Way of the Lord" by ( lurrntl. At the
evening service tha anthem will bo repented
and Mr. Wilklns will singj.ho sola "Comfort
tfo" Irom tbo Moislah , A violin solo by Mr.
UhorlesA. Hlggins will also bo a feature of
the ovouing service ,
The charter membership of the Omaha
Choral Hocloty wus closed at its regular meet
ing Thursday night and horoattor the numoi
of applicants for moinberahlp must bo pro
posed by somn member and pass through
the hands of n committee. Among
the recent additions to tbo society may bo
mentioned Lieutenant and Mrs , Van LIow
and Mm l annie Arnold. The regular
meetings are hold in Haydon's musio hall
ovary Thursday evening , and any one who
Is interested is welcome to attend whether
they are members of the society or not , A
solo by sorno well known In&trumcntulUt or
vocalist is a feature of cacti meeting. At
the last mooting Mr. Hans Albert played a
violin solo during the Intermission.
The Mendelssohn Quartet club of Boston
will glvo a concerttn thif. city Suturaay.ovon-
ing , December 17 , under the auiplco.sof Iho
L&dies' Musical society , The organization Is
recognized us ono of Ibo best of its kind in
tbo United Slates and the enterprise of the
society in bringing them hero should bo re
warded by a liberal patronage. The club is
accompanied by Miss Jewell , a soprano of
tnoro than ordinary ability , who will con
tribute several solos to the evening's enter-
tulumont. The concert will bo given at tbo
First Methodist church.
*
The Omaba Choral sooioty will fjlvo Its
initial concert sometime toward the end of
January. The program will bo n miscel
laneous onebeginning with ivehorus ) followed
by n short program of violin , piano and vocal
solos , and closing with a second chorus num
ber which will probably consist of mala
volcos. Mr. Jules Lombard and Wilfred
Lllako will bo amoug the soloists.
Beginning tomorrow Mr. Hey L. Smith of
Promont will bo added to the faculty of tbo
Omaha School of Music. He will tulto Ibo
position ol piano instructor , made vac-int by
the resignation of Mr. Martin Calm. Mr.
Smith has spent llvo years in the study of
music abroad und Is the composer of n num
ber of ballads which' have found favor wltb
the public.
X
* .
Miss Fannie Arnold , vocal Instructor m
the publlo schools of the city , has boon ap
pointed n member of the advisory council of
musio to.ichcrs for the World's fair. TLo
appointment Is highly complimentary to
Miss Arnold's ' ability ns a teacher , nud
testifies to the estimation in which sbo Is
held m other citins. bho will leave for Chicago
cage during the holidays to confer with the
otbor members of tbe council In regard to
the work. .
4 *
The musical ilapartmont of the University
of Omaha at Bellevue will give a recital and
concert on Thursday ovouing , December 15.
Tbo program will combine both vocal and
Instrumental music and will bo supported by
a chorus of forty voices.
* .
# 4.
Ono of tbo events announced by the La
dles'Musical sooioty for-tho coming season
Is a piano rucltal by Miss Adoio Aus dcr Oho
of Now York. Miss Aus dor Oho Is justly
regarded as ono of the greatest plun-
istos of the present timn and made a most
fnvorabln impression at bar former appearance -
anco in Omaha.
*
At Iho First Methodist church this morn
ing tho'cholr will render the unthom "Venito
Exultomus Domino , " by J. KQSS Uorbln.
Mrs. Martin Cabn will sing the solo , ' 'Suffer
Little Children , " by Howitt. Tuoro will bo
no evening service.
The choir of the Kountzo Memorial church
will render some excellent musio during Do-
cembor. A praise service similar to the ono
given .some limo aso is In contemplation and
a special effort will bo made for the CUrUt-
mas services.
* *
Miss Jessie Johns , organist and loader of
the choir of St. Matthias churoh , is taking a
few months vacation to further her musical
education by study and travel.
- *
These people who aru prone to bcliltla the
musical capabilities of the city should have
attended the concert given at the Young
Men's Christian association hall last woolc
for the boneilt of the Old L-ulloi' home , it
was really ono of the most enjoyable enter
tainments of tbo season and was nit I rely in
the band * of local talent. The management
was in chareu of Mr. Phillip Hay and the
affair was highly successful , both musically
and llnancially.
. \tni'.s.
A total of fourteen associations have ap
plied for membership In the Nebraska Stuto
league ,
Messrs. O , M. Nnttlngcr and .Tamos W.
Carr of Omaha are boolcod for addresses at
tho.state leugno convention In Lincoln , December -
comber 111.
A decision of great importance to loan and
building associations wus rendered by tha
sunrcmo court of Mississippi on the 27tb
ult. The main point involved was the right
of an association to collect Interest on I hi )
premium bid for n loan. J'ho borrower bid
1U per cent lor n loan of $ ! , < > ( , receiving
iOJU cash , Ilo was required l < > 'pay
interest on 1,000. The nctlon was
based on the ground that intorosl
on the premium was usurious. 'Iho court
hold that the association had n right to
charge Iho $100 premium on the amount , but
had no right to uharga the borrower Interest ,
us it was money ho novur received ; that ilia
only sum the assocla ion could collect intur-
est onvas the fHU'j actually paid the bor
rower. This queii.ion has been raised in a
number ol cases in Nebraska and tbo right of
the association to collect interest on the pre
mium has been sustained by thu lower courts.
The safer anu bolter policy , however , is to
collect the premium in monthly Installments.
Tha great ohjoct of legitimate building
association * is to furuUh Iho industrious
wagoworKcr w.th moans to procure u hu'ni' ,
so that every child shall have n fireside ,
every father and mother u roof , The moru
homos tbo moro patriots , the moio virtue
niid the moro security for all that gives
worth to life. To u man of limited Incoino ,
the task In not as easy iu it seoiim at first
glanro. Payments nro uxtendca over a
of years und tholr regularity bcuomoi
both monotonous anil irksome , yet the pay
ments are no greater tnan Ilia rout for Ilka
accommodations. Success in this as in all
undertakings requireperseverance. . In the
end thori ! Is the happiness and Independence
that uomo from actual ownership of a homo.
In answer to a question us to whether pre
miums deducted from loans should bo con
sidered profits eligible for division at the oud
of each ycinMi building and loan export , dis
cusses thi ) subject of premiums earned ns
distinguished from premiums unearned in
the Cincinnati Knquiicr. The conclusions
arrived at are in keeping with the practice
of most Nebraska associations in having an
unearned premium nccount. The answer to
tha question pro nosed is as follows : "If the
premium deducted never goes back to the
borrower then , of i-ourso , said premium
In time finds it way to the credit
sldo of Ibo profit and loss account ,
but because 'it never goes back' is
not u reason why it .should bo counted in ai
an Immediate gnln. Premium is only another
name , for extra interest paid In advance , und
If all the deducted premium is credited at ,
once ns n pro lit future jcars uro nt once
robbed of their Just proportion. To nmlio a
strong case , u loan or lo.tns for the year may
command per cent premium , say for loans
aggregating $ : > ( ) ,00l ) , making the deducted
premium flU.OOO. If this were divided the
first year the gum would appear enormous
for ono year , after which the rata of gain
would decline from yonr to year becausu no
moro premium could bo obtained from
the wanio loana. The premium should bo
divided over n period of years to agree with
Iho life of the series , and then the rate of
gain from year to .soar would appear uni
form. Even If the socloty is run us n single
series concern u is wrong to divide the
premium at once , but in u .series association
it is a dangerous practice , because it matures
stock before the real gain Justifies maturity.
Supuoso $10,000 deducted nruniiums divided
at once causes a series to mature by reason
of countinzo,000 ; of loans as assiits. Is It ,
not plain that tbo mortgages are handed ever
to those who remain atJO,000 when in
reality only ? 10,000 was paid for said mort
gages ! Whatever rate of interest paid
In udvanco , premium represents that ruto
for the tuna yet to run und should behold back
'
as unoameil'for the bemilltof thosn who tao !
the mortgages at their face value , $1 0,000 ,
When n borrower actually repays bis loan
and sacrifices tbo premium previously de
ducted then said premium is undoubtedly n
profit. It nlbo becomes n nro fit when ins
account Is finally settled by maturity , but
not until bis account is closed. Jf secretaries
and otlurs would keep In mind the fuel that
deducted premium , us slated , is only extra
Interest paid In advance , ttioy would have
no trouble In setting nsiilo tins oxira Interest
und drawing on it only ns it falls duo. "
DOCTOE. :
In thu treatment of ull forinto'
PBIVATE DISE 1SES.
nml'ullViulcmis4 anil 1) buriluruf
ttltli lo.iuf cnuruKu. ambition ,
and vitality. Kigtitouii yuari o (
thu incut rniiiiirlfiibluHiiuiiiiss In
tliu troitinnnl of tliiM ohm of < il e.a < o * . which
li pruto'i by tliu universal tusllinoiiy [ if tnon-
Buuds who have buun uurotl. Wrilu torolruu-
luri und ( jnostioii iat , Hu uml
fat * . , Omuiiu , Neb
