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_ _ _ _ _ _ _ _ TIlE 01\fAJIA DAILY nEE : Sl1-NDA , DEOEl\IDER 10 , 18.J" ! 13
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1. BUDDHA ) ) AND IllS TEMPLES
Hundreds of Millions of Worshiper8 nt
WGnderCnl Sbrines
-
REVIVAL OF TilE FAITh IN JIIAN :
111111on8 of Money : Rnd UrRtoltoO ! ! Labor
. Espcndrll 011 ( Uor"oll ! ! ! Chllrchc ! ! and
4'
IRttlrll-Chrl8t1nnItT and the
JlUsltonnrlu. !
( Copyrighted , 18I , I I ) ' Prank O. Cnrenter. )
n will be a aurprlso to many to know that
there Is t a strong BUlhhlst ( revival going on
' , . In the Japanese empire. The church has
_ , been serred UII by the Invasion or the mis-
alonarles , and within recent year Buddhist
papers have bee organized , and the Japanese
press Is full at articles about religious mat-
ters. A movement was started some Limo
tme
ag for the establishment of 0 Buddhist
theological curse In the hnperlal university
at Toklo , and Mme or the priests would Ike :
to make It the state religion. They even talk
I
ot sending missionaries to the United States
And ale to tim Asiatic countries , Including
ChIna and Ccrea and hlla , Lat sprIng a
famous Buddhist ot Ceylon visited Japan and
descrlbell the backwarll condition ot the faith
'
In India , whereupon some of the rIchest of
the ! Buddhists took a famous Image of
Dddha , which was celebrated throughout
Japan , arid shipped It oft to India , In order
that I might be put In the temple of Iudllha
Oaya , on the alto where the founder of the I
religion hall his , great fight with the evi !
ones and conquered. This statue WI 700
years old , and It was a work of fine art One
of the Iulldhlst archbIshops of Japan went
with I , and when lie got there the high
w prIest of the temple refuse 10 let the Image
bo put In. lie hind several I thousand men
about him , and hc was ready to enforce his
' refusal with bloodshed. Thl mater has
; , created great excitement amorg the Buddhist
of Japan , and some at thom Insist that the
Ilndoo priest must be dismissed , and they
want the government to take up the matter.
The Duddhlsts Intended the sending of the
statue to bo the beginnIng of a revival of
Buddhism In India , and they wl not prob-
ably let the mater rest os It Is.
GODS AND ! TEMPLES.
I will bo surprisIng to many to know thc
vast number at BuddhIsts there ore In the
word ! , I Is , you know , the chief religion of
Slam , Burmah , Japan , Corea , and It has
millions of folower In China and India.
There ore In Japan 72,000 Buddhist temples , ,
e ; and In the city of 1loto , which Is about as
bIg as Washington , there are 3,600 temples
which are devoted to thIs religion. Some of
the most gorgeous temples of the worll are
the wonderful ntruetures In which Duddha
Is worshipped at langkolc In Siam and I saw
at Rangoon , In Burmnah the famous structure
Imown as time Golden Iogda , which In said
to rest over several of the actual hairs which
came from Buddha's head. I Is a mountain
of gold , or rather at brick and stone plastered
over with gold leaf. I Is built upon a
mighty platform , and its base Is about a Quar-
tcr of a mile In elrcumfernce , and these
terraces of gold go upward In boli-like stories
to a height greater than that of any , church
spire or any structure In this country , ex-
, .4 - ' ceptng the Washington monument. It has
a base of fourteen acres and oim Its lop there
Is I great golden umbrella , to the ribs of
whIch Jewels are hung. The whole '
of this vast structure Is plated I
with gold as fine as any ever put Into an
Ame can tooth. I Is hundreds of years old
And It has been plated again and again , and
there are , undoubtedly milons of metal
mixed wIth the brIck and plaster of which I
Is made Ope king of Durmah vowed that he
. would give his , welgth In gold fa this monument -
, . mont I Buddha would grant hIm something
, thit he wan led. Buddha aceepffd time propo-
amitlon. At least. his wish became true , and
when he hopped on the imperial scales It Is
sail that hc registered 170 pounds. The vow
cost hIm just about $45,000 In- gold leat. Well .
this great monument Is now being regilded .
and a small fortune Is being put Into Its
restoration. I visited the temples of China ,
which contained thousands of little gold
DUddhas , and there Is one at Nankln which
_ , z . . I saw last spring In whIch then were 10,000
p. gds under one root. Some of them were very I
small gods but the priests told me that
they actually numbered 10,000 , and nil were
platd with gold leaf. During my stay In ,
Slam some years agQ I visited one temple
d\voted to Buddha , a part of which was
carpeted with woven silver , and I found
a very lively monastery In Corea In wblcn
there were hundreds of monks. Throughout
the whole easter world the finest at temples
and the fattest ot the priests are those of
the Buddhist religion , and though the faith
may be sleeping . I Is by no means dead.
I do not know whether It I due to their re-
lgion or not but the Buddhists at the cat
are , In most respects . kind and gentle one
to\ard anolher The Japanese people are the
- soul of refinement. and you see many old
. faces which you would not object to having
' among your ancestral portraits . A great deal
has been written about the young gIrls of
Japan. The old women are to me quito as
charming and I have seen old couples whole
gray hall and wrInkles shone with the
beauty of the kindly souls within them.
JAl'AN'S NEW BUDDHIST TEMPLE.
Perhaps the finest an1 costliest church that
Is being erected In anJ world today Is the
Ulgashl UongwanJ tenple , whIch Is now
beIng built In Kioto . I has been a long time
under construction , bul It Is rapidly approaching -
preaching completon , and when It Is finished
It will have cost , all told , something like
$8,000,000. Think of thatl Eight million
( lolars for a church I I don't believe we have
oue In tlC United States that has cost os
much , and I know we have none that have
been built In such a curIous way. A large
Part of It has becn the work or charity . The
carpenters , the carvers and other artists
have com from nil parts at the country and
have worked a certaIn number of weeks for
time temple for nothing. I has been about
fifteen years In building , and when I fIrst saw
It six years ago there were forty acres of
sheds about I , In whIch hundreds of car-
pentera were cutting up great logs ,
whleb hall been Imported from
time island of Formosa , Into
bad I and hundreds or carvers were turn-
Ing other logs Into real works of fine art.
Everything was done by hlnd , and Immense
bams , such as would be a load for a team
ot Norman horses , were beIng carried up on to
the top of time structure by women and men
A rOd about fifteen feet wide had been built
upon a scaffolding . making an Inclned 1IIIne
running dear to the roar at the structure
4 : "c . end a hUlulreJ or so men would catch hall
. 'at one of these logs and carry It up on their
back. There was then , and there Is still ,
. . an Immele scaffolding about the temple
. made of thousalil of poles ted together with
ropes , and these voles were of all sizes. from
that of a filming rod up to a telegraph 1)010.
'fbey looked very insecure to me , but I was
told thlt they were Perfectly sate , and all
of time fcaloldlng use by time Jaranelo Is
made In tbls way Think of buldng ! 0
. ' structure costing millions of dollars wihout
> ' derricks or Ilacblnery of any kind , and you
. . can know what these Japanese are doing
Ihere. Tbelr temple will lat for ages , and
. there are temlllOs In Japan which are many
centuries old.
ROPES OJ HUMAN hAIR.
Wben I visited Ibis temple six years ego
the logs were being dragged about from one
place to another with Seat cables of Ilrown-
lab black In which hero and there you could
see thn'ads of Wlmilo. The ropes looked very
, curious tt t , me , and I asked what they were.
, j I was told that they were made of tll hair
, . . '
" ' of women who bad cut oft their locks and
alvon them for this purpose a an olerlul to
Buddba , I was shown a vast amounl of au'h
rpe , and 200,090 women cut off their hair
to make the fllel for the building 't tbls
tunpl" . This hair was of all kinds. Here
_ time lne , silky locks of the maiden ware
I'ralded Into te silvery strands of Ibo rid
I , 'olan , and a section of time rope : bolcl
ends of Iron gray , snow white , and Jet blar.k.
" Fme of the cblel were a bIg arounl I u
sour leg , and there wore other ropes no
thicker than a cloth s line. These "
6 have ' 11\ . been all collected together , They
. arc wrapped up In great coils on the portico
, , which rtnl around the temple , and they will
. 11 kept : \ fie ot Its treasures. Not I.n ; ago
\ a acton of the rope was lout to the N.-
' ; ! toD1 luLum at Washington . and I may
j , , '
H" . , " . .
. . . .
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new bo Mer In one of the cases at that In-
hutl .
! ;
SOME FAMOUS DUDDl S ,
t found other new temples building to em-
trent parts of Japan , aM I saw magnlncenl
statues at Buddha being made here and there.
At Kobe I law one which had just been com-
plated , and which could hot have cost much
less than $100.0. I Is just outsIde ot the
temple of NOfukujl , and It Is an Immense
bronze Image as tall as a four.story house
and elghtf.fve fcet In dIameter about thc
waist , It Is so tall that If you stood on Its
shoulders you could barely reach to the top
at Its cal , and the length of the face Is
eight and onc.hal feet Each of its eyes Is
a yard wide and Its thumbs are two feel In
circumference , or almost twice the circumference -
ence at a telegraph pole , I Judge. The god
sits wIth hIs legs crossed , like a Turk , and
its lap covers aF mich space as a good-sized
parlor This ! Il sits on a massive pedestal ,
at the back of which Is I door , and there Is
a little tempi inside of It , 1 Is a wonderfully -
fully beautul statue , amid It Is 'only one of
thousands empIre. that may be foun throughout the
TWO GIANTS IN nnONZE.
Japan has , In fact , the biggest Duddhas
of time world There Is one In I park at
Nara , not far tram the old capital , Kloto ,
which Is the Inrgest. I traveled twenty-
five miles In gain tram 1loto to Nara and
I spent a day II this center of Japanese
Duddhlsm. The statue Is In a temple , which
Is as tail as any New York flat , and you
have to take your shoes off before you can
go Iuldo at it . 1 Is on a pedestal , and there
arc dozen of gold goils all about it. Soma
of these gods are eighteen feet high , but
they look like pygmies beside the great Im-
ago which sits , with its legs crossed and
his rIght , hanll uplrfi , among them. There
Is a Itlo fence around I , and It was Im-
posslbe : for le to make my own measure-
merits hut the priests tel me that It Is
fr.threo feet In height , and that It Is
made of bronze plates , wmch are so cast
that they look like one solid mass. This
Bluldha Is more than 1,000 years old
or , at least , the material of whIch Ils com-
posed lies been worshiped at Nara for
that time. I was originally made of gold
and copper , about 760 A. D. , hut the temple
containing I has been burned agaIn and
again , and It has been each time remcled
and made.
The other great Duddha Is that at Kama-
leura , wh'ch has been written about by
nearly every traveler who has gone to Japan.
I Is another Immense Image. 1 Is not so
tail by sIx feet as that of Nara , and all travelers -
elers so far have spoken of its wonderful
beauty and the peaceful content shown In its
teatures. I went out to see I and looked
for the peace , but I couldn'l find It. I sat
and gazed and studied , but its face was saIl
rather than joyous , phd It looked like that
of a man whose life has been marked with
sorrow rather than pleasure , anti wlh doubt
rather than faith. I venture the sculptor
who male It tlmi : not believe In the religion
which he was tryIng to perwnlfy , or won-
tiered ( mlstaleen. at the time If , after all , he was not
CHUtl INCOMES.
Souse of these Buddhist temples have enormous -
mous Incomes. There Is one right near the
new temple I have described which takes In
about $200,000 a year , and this church has
frequently raised In one year from $500.000 to
1000000. 1 Is lown as the NishI Hong-
wandl temple , and iLls a wonder In the richness - I
ness of Is Interior decoration. It has hundreds - , '
dreds of rooms walled with gold leaf , and It'
contains hun < reds of screens painted by the
old Japanese masters. A famous left-
handed artist at Japan Jlngoro , did most
of the carving within It , and I Is celled
In ore places with black and gold lacquer
and its trImming are of wonderfully
carve brass. I has a bell almost as big
03 a small seaside cottage , and thIs Is
rung by a big log at wood , which Is hung
outside of the bell to a rope , and can be
pulled back so that It will strike the bell
'on the rebound. I has one audience room
which takes nearly 1000 yard of mating
to cover it , and the brass lanterns which
hang from the great rafters of this room ore
each as big as I hiogahead. This church
Is one of time most liberal or the Buddhists ,
and durIng a talk which I had wih the
priest I found that his views were very
much the same as those of Unitarian
Christianity. He was not In favor , at mo-
ropolzlng the religions at Japan and said
there was room enough for both the Chris-
tans and 'Duddhlsts to work. He spoke
English fluently , and he told me that ho had
lived for two years In England He was
very much depressed as to the religious
state at Japan , and Bali that the better
classes were largely InfIdels or agnostics ,
and many ot thcso who pretended to be
Buddhists bad no working faith In them. I
found him broad-minded In every respect
and one thIng which he said surprised me.
ThIs was that hIs sect at Buddhists did not
beleve that NIrvana Jeant a state at soul
annihilation , but that It meant only the an-
nihiaton ot all that was bad and of the
continuance and growth c all that was good
In man. Ho told me , however , that only a
few Buddhists were as Iborl as , he was ,
and from what I saw In other parts or time
empIre I am sure he was correct.
QUEER TEMPLES.
I could fi thIs paper with time curious
thing found about tim Buddhist templps.
There are mto wooden gods for bablcs'
dIseases , around whIch children's bibs are
ted , and there are other gods which are
stpposed to help babIes In teething. There
are some which are good for the stomach-
flhilO , and others whlcb will cure sore oyes.
I : some of tile temples there are sacred
p ales which yon may feed with holy beans
a 1 coat a plate and gain religious credit
t ereby. These are , I thInk , however , more
c nnected wltb the Shinto temples ! , and , by
t e way , there Is ono famous white here at
t e temple at Iso whIch Is supposed to be
gfed with supernatural. powers. According
10 time storIes current In Japan , he has a good
deal to do wIth the warlike matters at the
o lPlre , and after the Satsuma rebellion he
disappeared and did not come hack for three
dYs. IlLs return on the third day was . so
tie Japanese papers state , considered very
PFophetc of time success of the emperor's
cuso. DurIng the present struggle with
cluse.
qhlna he disappeared agaIn , and after ten
dYS returned , looking fresh and well. The
roplets } at Japan state that this indicated
Japan's victories over China , and that the
hostilitIes would last three tmes as long
a time Satsuma rebellion .
I CHRISTIANITY IN JAPAN
There Is no part of , the east where the missIonaries -
sIonaries 110 more work titan In Japan , and
they have , as I said stirred the DUlldhlsts
flito I action. Many at the Japanese do not
like I the Idea that theIr country should be
Ii field for missIonary labors , and some at the
I hoopla think that such mission work as I
lions should be done by native Pastors . Not
i ; eng ag the question or foreign misIons
In Parliament , and It
qame up Parlament was argued
rom one standpoint that thc Ilsslonale
qugb to be tolerated because they brought a
reat deal of money Into the country. I wa
tated In the Ilaperi ot that time
bat there worD 650 foreign mlsslonlrles
n JUlIan , and they averaged at
east $00 per month , making a total
'rt ' $65,000 per month spent by the
F nlslonarles. I will thus bo seen that the
p hrlstan churches annually spend In Japan
at lead $780,000 a year , and these expend-
Lures , tho' native papers thought , ough to
be encouraged They stated that there were
40,000 Christans among the Japanese , and
Ihlt there were 1,200 Japanese p.utors.
There are Japanese who L.hmlk that their people -
plo are destined to Introduce ChristianIty
Into China and Corea , and sOle favor the
absorption and combination of the three re-
lgions of luddblsm , Confucianism and Cbrls-
tanlty , Tile missIonarIes In Japan are , In
realty , doing a great deal or earnest work
The field Is divided up among the Catholics
amt the different Protestant sects , and there
Is In addition a mission ot the Oreck
church which has 1,700 baptized converts ,
and which was establIshed by the nusslans.
Time Catholics have three bihops , Ilxty-
seven mlulonlres and abut 40,000 members.
The Protestants , unlko thcuo at other countrIes -
trIes , wrk , to a large extent , together , and
tile ) ' have good schools and good colleges.
The Doshlaba university . which exIsts at
Iloto , In western Jaln , Is one of time finest
Imistltutlotis of the far eat , Among Its professors .
fessorl are men who would do credit to
Harvard , and I now includes I gtls' school ,
school at Iclence and trainhtli
a schol a tralnlnl Icbool for
nunes. There are a number of native re-
Igloul clubs , and the Young Men' Chlntan
Iutclaton hu a 10urllhlng organization In
Japan , and there Is ale a Young Woman'l
Temperance union. The nd Cross society
hl ben doing a great deal durIng the prel-
cut war , going to the field and takIng care
or both Jalnele and Chlnelo
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SANTA CLAUS > , t : ' , .
HEADQUARTE
QUARTEfS
You may hunt the town overj'hd : ;
fi'orn center to circumference , no\vh j"e
will you find an equal stock of pleas ' Jg
Christmas rernemb rances. More ver ,
in all departments , the men who make
the prices have been singularly gen-
erous. Make sOlnebody's heart glad
this Christmas with a useful present
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. _ _ _
20 PER CENT DISCOUNT. OFF . . . OFF Y8 . : . 20 PER CENT. DISCOUNT OFF ' : ;
ALL DRESS GOODS : I/d /8. ALL SILKS AND VELVETS : 1
ART SILVERED
GOODS '
A large line of these
beautiful and inexpensive -
sive novelties , which
make useful and serviceable -
viceable C 1 pis I t mas
presents - such things I
as
Glove Boxes .
Trinket ' .
Trnket ' 'a's. .
'
'rrlnket iloxes
Smoking Sets
Funcy Bakets.
perCume Bottle9 .
Bottes.
Photo I rume8.
AIII 10 ) other artcllf
TISSUE PAPER
NOVELTIES
All varIeties of flowers -
ers , plain and hand
painted , fancy boxes
for ! gloves , handker-
chief boxes , fancy
trinket boxes , photo
frames , and many
other things , all made
of paper tissue.
CARPETS and DRA-
PERIES
No such stock as ours' '
is' being shown in
r
Onlaha. We stand
head and shoulders
above them all.
It's not carpets now ,
so much as the little
ltte
draperies and curtains ,
rugs and the like that
you want to think of-
Carpet man says--
Why wouldn't , a nice
Bissel carpet sweeper'
present make a ? nice Christnas
Why don't you buy
a pair of portieres for
your wife's Christmas
present ?
How about two pairs
o f lace curtains fo r
your parlor-Less
than cost. .
Did you see those
$7.00 curtains that we
are selling at $3.60-
You should.
Did you eve see our i
- - - -
COOPERATiVE HOnm BUILDING
Review of the Work of the Convention of the
Nebrask State League ,
ADDRESSES BY EXPERIENCED MEN
Important Suggestions Iegardllg Amend-
meuts to , the Law-Various Reforms
Urged to 8Umullto limo Work-
Summiry * or the Proceedings
In attendance , enthusiasm and scope ot
topics considered , time thIrd annual Icetng of
the Nebraska State League at Local Loan and
Building Ass'oclatons Is voted the best yet
held at time state capital. A number or able
addresses were delivered , covering the princi-
pa features of association work , and spirIted
debates followed on varIous Important qul-
Lions. Time dIscussiOns took a wIde rage , and
the principal features or co-operative home
building were debated by men experience In
the work The state tanking boar was repre.
sorted by lIon Eugene More , state auditor ,
and Mr. n. II. Townley , clerIc of the board.
i gentemen delivered abort addresses on
the admInistration of the law , pointing to the
fact that its enforcement has materially
strengthened cooperatve effort In public con-
lid ence.
The following delegates were present :
Equitable of remont , A. Truedale , A. Ob-
son : Conservative of Omaha , C. Rylander ,
George T , Glmcre ; Omaha ot Omaha , T. J.
Fitzmorris , E. E. Iryson ; Mutual of Omaha ,
William N. Nlin , George Ielmro : Mutual
at Stromsburg , Alex Scot ; Ainsworth at Ains-
worth , II , O. I'alnl : Nebraska of Omaha ,
James W , Carr , D. R. Ennis : SChuyler of
Scimuyler , M S. Weaver , Charles T , Towle :
Columbus of Columbus , C. J. Phelp" W. Id.
Cornelus : LivIngton or I'latsmeuth , H. R.
Gering , D. D. SmIth : Equitable of Grand
bland , C , " ' , Drlnlnger : Nelson of Nelson ,
E. D. Drown : Dohemlan of Omaha , K W.
Dartos : Equitable of Seward , 0. A. Her-
clam ; Ashland of Ashland , W B. Cark :
Danker of Omaha , Funkbousr ,
WOnK OF TiE LEAGUE .
In hits annual address PresIdent Phelps I
revl wed the work of tile year and pre-
lente strong reason why ever association
In the state should unite with the league.
Despite Its limited membershIp he claimed
that the work done by time organization has
bon beneficial to a large degree. By the
well directed efforts of the league every
foreign association which refused to amply
wIth the law was exclude from the state
While they fourIshed their robberies dll-
credited local organizations , fat those not
ver.ed In the plans o loan and building associations .
locatons were not In position to distinguish
between the true and the false. The false
fattened or tbd reputatIon established by the
THE MORSE DRY GOODS CDs
16TH AND FARNAM.
-
Price I edUGtioJs
MOJday
J3UYA
Useful ,
S e1 sible ,
Se1"vioeable
PRESENT THIS YEAR
Sea our modern Santa Clauses nt 10 n. m. 2:30 : p. in.
. ,
anti 730
nltl ; p. m
FIVE OF : THEM.
en-
line of screens ? We'l
sell you anything in
this line at lower prices
than you . ever dreamed
of.
BOOKS
A line of books such
as y'ou seldom see are
to be found at our book
co un tels.
A. B. C. books , Nur-
sery rhymes , Picture
books and the like for
the smallest ones ; then
there boollets--
ape { - -
Books in words of one
syllable , and many interesting -
teresting works for the
larger children . For
the folks--well
grown folks--wel
its a regular l1ine of
information ( our book . .
store ) .
A line oC cloth back novels others get 300
for , you buy here at lie.
A much tneI lne of sta\lard puhlcatorB ,
common I } ' sold at 60e , we'ro selling at 27c.
The new Astor lbrary , volume In It
from every author or note , finely bound , Wc :
they're worth 75c. '
THE B R O"W " N 1 E S'
CHRISTMAS
"
In our rqrth "I 16th
.h
Street window we've
built a log cabin , such
as our form : r presi-
dents of _ ' I United
States usedI to be born
in.-4t's a typical repro-
duction of ti : : genuine
old .ashion , q houses-
The old fireplace , the
crude 'urnis'h1ngs , and
furn re' i : : al ' there
an d ) you'l siile tp , see
a myriad of Brownies
capering around ' undisputed -
disputed poses'sion of
the premises. - They
can be seen daily , ( except -
cept Sundayfrom ) now
until Christmas-
I Mornings at 10 o'ciock ,
afternoons at 2:30 : , and
evenings at 7:30. :
.
U. S MAIL
Arrangements have
been made , by us with
genuine and the peculalons at the frmudu-
lent create unust s\plclon against and
hampered the worlc of the legitimate local
association. Today the state Is free from
their baneful Infuence and the benefits of
genuine co-operative home building nS80cll-
ton . are recognized and apprecIated gen-
erahly.
Mr. Phelps urged careful investigation and
study 'of the various plans In vogue , and
white he di4 not advocito any cne In par-
tcular , he contended that the old crude
plans should be abandoned for those which
experience has shown to have attained com-
paratve perfection . But success under any
system depends on the zeal and activity and
Intelgent care of directors. I Is not enough
that the secretary ha mastered the Plan
which he follows. Every ' director should he.
come thoroughly Informed In the plan of hIs
own and other asscciations. In this way
crude melbo will be Improved Upon and
perfected. The necessity for amending the
state law was recognized by ! r. Phelps , and
he , recommended actl.Q efforts to that end
Legislation ho thought Bhould be obtained
that would enable Nebraska associations to
adopt " some of the provIsions In the more
prosperous assocIations existing In other
states. Associations should have the right to
borrow ' 1 lImited amount , proportioned to Its
securely Invested capital , for time purpose of
making loans or payIng for withdrawals.
In conclUsion President Phelps said : "The
state league , its work and the progress
co-cperntiye home buildIng has made In this
state , has receive muclL encouragement , and
a large mass of Infornlton has been dls-
somlnated through tlbolumns of one of
our metropolitan newspai1eu-Tho / Omaha Des
-entitling its snanagepipL ; ! 10 the gratitude
of all who are interested ' fn the ( great work
or upbuldlng one of tle.'rnndest enterprises
of thIs age of cnterprls , tAnd , I should feel
'nc
that I had neglected I d lpJ dlI \ not uccord
this light tribute for } 'substantial service
so generously rendered ! " " )
"Tho Advisability orI31Ung Paid Up Stock
on the Maturity of aieres" ; was the sub-
ject , of a paper by Mr. e.es" Truesdale cf
I rtmont , Mr. Truesdd1&1i ' secretary of , time
ECJulable association of' tat city . Time as-
soclattn II about to TP.tnre ; ; its first series ,
ccnaequenthy the queslfon of retaining tbl
money at shmareholdera'4m'ho do not wish 10
withdraw has been a."yltal " one to the
dIrectory , Mr. Truesdaia..said that the I-
luanc of paid uII sthc In exchange for
& l
matured certificates wlild brIng to the a.
slstance of assoclatonstle ' many and the
friendship of a class Vcple J theretofore
identified with building nd loan associations .
Tim stock should be subject to withdrawal
at any time the fnancs of the association
warrants. For Instance It the demand for
loans Is nct equal to the supply the associa-
lon un reduce Its supply by calling In
paid up stock Mr. Truesdale's Ide II that
every well regulated association should have
at all times 0 reasonable amount ef available
funds on hand. I would furnish the neces.
sary elasticity In association finances. As
lany associations are appr.acblng the
maturity of the fut series they wi have ,
this problem to solve. First series , It should
be understood , are generally large and re-
quire quite a sum to cancel them at maturH ,
Few associations adopt the sinking fund
Illan and are obliged to brrow or Issue
certificates of Indebtednos to moot theIr obii-
gaLlons. The issuance .of paid up stock would
obviate the difculy , 4emberi h91dlng cer-
tificates of matured stock who dere further
Inve.tmont could exchange them tr paId up
stock , while the sale of the latter would
,
-
Postnlastep ClaLkson
for a stamp and pack-
age weighing depart-
ment. Gome in and
have your packages
wei jhed-we'llsell you
the necessary stamps
and mail i for you.-
Mail will be called for
by special wagon daily ,
at 11 A. M. and B P. M.
We hope to save our
patrons much annoy-
ance by establishing
this depaptnlent
BOYS' CLOTHING.
The boys I the comIng
men , can ' be supplied
with a most acceptable
Christmas p I e s e n t
from our clothing de-
partment. At Christ-
mas time , more than
at any other season of
the year , your boy
likes to be dressed up
not him
-why buy
A choice sslmere double breasted suit ,
such as will lit him perfectly and wear ,
for $1.01.
The Little Captain suit , nobby-made to
wearJdouble knee and seat , $10 In value ,
for $2,98.
The Little Governor-Is or fine materlal-
sewed with linen thread , reinforced and
beautifully trimmed ; Il's I $ ,0 suit for
$ .
GENTS'
FUHN ISHINGS ,
You can find an end-
less variety of things
in this stock suitable
or a gentleman's pres-
ei1-a few-su.gqestions :
A pall ot silk , embroidered . suspender
I new tie-a teck Cour-In.hand scarf or
any other style that Is made you will fndl
herea choice linen or silk handlerchlef-
or n mumer for these cold mornings that
are comIng.
There arc many more things that could
be mentioned , but there are other things
to talk about
HANDKERCHIEFS
The holiday line is
very large and com-
I plete. Ladies' plain ,
hen1stitched and col-
ored border hand-ker-
chiefs from , 8c up ; si '
ones for both ladies
and gentlemen from
2Bc up. A real lace
_ u _ _ _ _ -
furnish an abundance ot means to pay the
matured certIficates of these desiring tis withdraw -
draw . Thus the assets of the aS3teaLon ,
would not surer a sudden decrease end Its
usefulness In-
would be crrcspoimdIngly -
creased Mr. Truesdlle saId tll objections
to paid up stock were not very serioul. The
one objecLon of moment was the possibility
of capitalists securIng control , to the ctrl-
,
of , and home build-
mont genuIne 03-operation buid-
Ing. He did not subscribe to the objection ,
"for wo all hop some day ta bs such , at
least to have a competence or a good
cmfortablo house. " The Issue of Paul ) up
stock however , should reserve to the board
ot dIrectors the right to cancel them on
short notice. The number should bo limited
to ten to each person ali the value t : ' $200
each. 'Che cash dIvidend should not exceed
the net earnings ant the amount or the issue
assets should be limIted ! to 0 sato rate of the
Mr. Truelilale's paper provoked a lively
discussion. The fact that the state law docs
n' t authorIze paid up stock was referred
to as an Insuperable obstacle and that the
stte banking board ' had ruled against such
issue Mr. Truesdale replied that nssocla-
Lens were to his knowledge now IssuIng
paid up stock , holding certificates at anthorlty
from the bankIng board Mr. Townley , clerIc
of Ihe bard , lIen led. that the board hall
authorized such stock . I any was beIng
issued It was without sanction and I proof
was furnished that luch was the case he
was authorized to say It would be promptly
stopped .
The result at the debate was the adoption
Cf the following ;
Resolved , 'fhat I Is time sense of the
State League at IJ'ln and Building associa-
tons that the Issulnl or paid up stock , with
a limited rate of dh'llend or Interest , to
shareholders whose Instlment stock has
mature by payments amid dividends Is not
Inc nslstent wih the objects at buIlding and
loan associations.
AMENDMENTS TO TIlE LAW.
Time question at amending the building and
loan law , recommelHled by Stale Auditor
Moore , was not acted upon further than to
refer It to the executive committee . Mr
Moore stated In his remarks that several
'Improvements ' mIght be made , particularly
onE doing away with the premium In loans
: Thu prlaulnn ! system Is now regarded as
one of the "has bens " having been dl.-
penset with by leading associations through-
out the country. The most Important
recommendatons wIth regard to nmendlng
the law were made by Mr. JosIah Ii. foyer ,
l'realdcnt ot the Mutual association of Day-
ton , 0. , In a letter to Ire.ldent I'helps" , The
Mutual I the largest and most 'l'roslHrous
association In the United States , anti this
fact lends much weight to the opinIons of
its prelldent. Mr. 10yer says : "Your
law Is a I'rely god one , but I few amendments -
ments woulll Improve It. F'lrst. You should
allow th board or directors to establsh the
premium that an association desires to loan al
and have no competiive bidding among mem-
hers for pleference on loans. In thst way
the association would establish a uniform
premIum or rte of interest to all borrowers ,
which Is very satisfactory . Second. Associations -
ciatons should be called savings and loan
associations Instead at buiding and lon
associations. Third. Let 0 member withdraw .
draw his money at any time and not compel
him to sty In the association three monthl ,
and let the byIaa of each association say
bow many daYI' notice should be given Intact
fact , the association bould have the prIvilege -
lege of payIng on demand all withdrawals
It the money ts In the treasury ; If not , then
SANTA CLAUS I
HEADQUARTERS
Our holiday preparations are on a
scale hitherto unattemted. Our time
has been given to larger preparation
than ever for our Christmas trade.
1-loliday goods in the strictest sense of
the tenn. Scatered all over . the house
are thousands of things pretty and useful -
ful , sensible and serviceable ,
I handkerchief makes a
very desirable present ,
and we ape offering a
line of them at less
than wholesale prices
RIBBONS.
We've taken special
pains to have our line
of ribbons very conl-
Jlete } for the holidays ,
So many things that
you are making for
Christmas have to be
finished and trimmed
with ribbon. We show
all grades , widths and
all colo.s , from baby
ribbon up to the widest -
est ones you can imag-
ine. i
GLOVES.
Here's the most essential -
sential thing in a :
woman's to i let A ,
new 1 i n e of fancy
shades fop street and
evening wear' 1 a v e
just been received in
the celebrated "Rey-
nier , " which you all
Winding up Our Toy Department
IT MUST BE DONE THIS WEEK.
. - ' .
Deepest Cuts in Toys
. ,
'Evot' inado in Omaha wi bo made in this store to-morrow and all i > f next week.
_ Como in and see the . " ' : , t " . ,
A
Finest Display of Toys , Dolls , Gaines , Booklets
Plush Goods , Celluloid Goods , Albums , Smoking , Shaving and Toilet Sots ,
Sleds , Wagons , Christmas and Now YOUa Cards.
\ HOLIDAY PRESENTS
l Useful , ornamental arid appropriat fot' OVCI'Y . ago and condition of man ,
wcmnn 01' child at prices that suit the timuE and pu.so. man
SUIT THE TIMES AND PURSE.
notice should be fed and pay the with-
draIal1 In the order In which they arc filed.
ourth. All the loney In the treasury should
b3 at . the command of the withdrawing mem-
b rs , and only make loans when you have a
surplus of funds L time depositor Is entitled
to" the money first . The cancelato , of
shares of stock for delinquency shoul bl
done without charging any line. "
Mr. Doyel ointed out that Nebraska as-
socIatons generally follow the old serial plan ,
by which all holders of a given series go In
mmd go out together. That plan he discarded
twenty years ago and adollted'what Is known
as the Dayton plan-practically a co-operative
i , savings banle. Hesuls prove the wisdom of
the change. Time association has $900,000 In
paid up stacIe , 8.000 members , $2,000,000 of
, assets , and divide $56.000 In dividends on
the let of last July. FInes and penalties of
all kinds were done away with , and members -
bers allowed the utmost freedom In deposit-
log and withdrawing.
Mr. T. J. Fthmorrls : of Omaha read a
paper on 'Che Duties and Responsibites of
Iirector. " The severe test at pinching
tImes whIch associations a wel as all other
lines at business are undergoing , conveys ,
he thought , 1 forceful lesson. In the years
of high values and rapid transfers of prop-
erty , loans were made at very narrow mar-
gins Now , with values down to bed-rocle ,
directors are confronted wlh burdensome
evidence of mlstalcen manogement. As a
rule greater care Is now exercised by of-
cern But Lucre Is much room for Improv
ment. 'h respontlblity of II rector 13
greater . than Is generally supposed. According -
cording to . time report of tim state hanldng
board : for tile year 1893 , there were elghty-
four assocldtons In Nebraska , wIth assels
aggregating \$3,653,096 \ , This 18 an average
, of $43,489 tq each association. Dlvling the
assets amen ! the estimated number of share-
holders , 10,000. the average Interest at each
penon was $365. 'fhls Is a large sum , rep-
resenting very 'often the total possessions
ot'l shareholder In cash or its equIvalent ,
time concrete evidence of thrift and bele-
denial More than that , It represents the
accumulated confidence of the shareholders
In tile Integrity ' the board of directors
A director thoull acclulre a thorough knowl-
edge of the rides and regulatons ot time I
association , the amount anti Chardcter of its '
business , weekly or ntonthly , and the ways
and means calculated o Increase Its use-
fulness. In an Inlttuto wherein all mmmcmii-
bars have a comlna terest , anything
savorIng of favorItism siibld be avoided.
The character of security ofired for a loan' '
should be carefully examined . ; The 11151-
blty of the security reverting to the assci-
allan should be kept In vIew , and dIligent
inquiry made s to whether ho margin II
sufcIent to cover the later contingency .
Time standing of the applicant , his Income
and ills credit should be inquired into The
amount and proportion of expenses to re-
ceillts should bl zealou7 watched No mat-
tar how much reliance a dlretor ) ' maT Illace
In the secretary , It Is the duty of the board
to check time books at stated intervals , examine -
amino the accounts of Individual membeu ,
and compare the books of time bc.retry anti
, Thus the board
treasurer balIll acquIres a
thorough knowledge 0 : the business , and
that grasp of afairs whlcn frequent per-
sonal examinaton gives , Such a system In-
fuses time secretary with greater conlllenle In
his work , and establishes practical co.opera-
ton among the oflicers.
TIE LAW 01" I OIEC.OSUm ,
Time address of Mr. J , W. Carr ot Omaha
on the law of foreclosure , a applicable to
local and foreign building anoclatonl , was
-
know so well.--5 but-
ton u p t 0 shoulder I
lengths We ape offering -
ing at especially low
prices a line of blacks ,
tan and browns , in a
regular $1,60 grades
as long as they lust at
77c of sizes per , pair. Full line
CANDY.
This new departure
has ' been a big success
fop us. 'e never
dreamed of selling so
much candy as leaves
ocr counters daily.
Choice , pure , unadul-
terated sweets ape
what the people want.
and that's the only kind
we ' kecp. Don't keep it
, 1 o n g , however-we
sell it.
sel i.
Pound box choicest creams , 40c.
, 1ounll ( box IRsorted creams , 2c
Buterscotch wncel's 3Cc. -
Taffy , fresh daily , 1 c.
Choice mixtures , 7c.
Be sure you eat ONLY
Moses Candy.
very instructive , , comprehending as tt did '
time general and specific rules laId down by
Nebraska courts on the question. Mr. Carr
urged greater care on time part at directors
In the matter at Instituting foreclosure 3
suits , and particularly In the pledings.
They should also assist In setting np every
available defense , ! hlo defending clients
who have been Induced to execute mortgages
to foreign associations under their deceptive
melhods. Foreign associations are not protected -
tected by the laws of Nebraska They are
amlnabJe to the laws at OUr state relating to
usury , mind the courts have so held Nebraska -
braslm associations have no great dIfficulty
In securing foreclosure decrees when care Is
exercised In the pieamhlmigs and It Is shown
that the association deal fairly and imoneathy ,
honesty
wIth the borrowers. 1ho pea ! of usury whlcb
Is InvarIably raIsed by defendants In fore-
closure cases was referred to by Mr. Carr ,
and a case recently decIded by CommIsIoner
Irvine of time supreme court was cited to
show that whie the plea Is effective against
elect.e
associations organized In other states , local
associations are , by Inference , entted to the
exemptions granted by law The case re-
fered , was that of htnneiall . plalntl In error ,
against time National Buiding , Lan and Pro-
tectvo union of Minneapolis , now known as
the Pioneer Savings and Loan . company ,
In passIng upon the case , Judge IrvIne said :
" 1mm the first place I must be remembered thai
this association la I foreign corporation , and
Is not enttell to the protection which our
I statutes afford or attempt to afford to such
corporations In this state. Time event were
prior to thc amendment of time hw referred
to In 1891 , and the association has not attempted -
tempted 10 cOlp1y with the provisIons at time
amendatory law In regard to foreign corpora-
thons. " Judge Irvine also held that the payments -
ments upon stock made hy time borrower
cannot In equity hc forefeled , and must bo
applied pro tanto upon the loan , thus treatIng -
Ing the subscription to tIme payment upon
t'he ' stock and the negotiation of and carry-
Ing of the loam aa one and the same trona-
actiomi . In beginning foreclosure suits Mr.
Carr advlsell that , In adilton to the usual
averments as to the Incorporaton , the ex-
ecutng , delivery , recording , etc. . of tll bond .
anti mortgage , together wih the conditions
theerof , time association let out specifically
the act under which trio association Is organized - . i
ganized ( . time Ilrovlslons of the articles at In-
corporaton smith bYlaw , tIme aSllKnment or
the shares as collateral , time non.maturly
therof , the right of cancellation of thu
samoa , the amount of cities , fines and Interest
Ila'J thereon , the amount unpaid and time
period over whIch they have been allowed
to remaIn unpaid ThIs latter enables time
borrower amid the court to see at a glance
whether or not proper credits have been
given.
Mr. Brlnlnyer of Grand Island and ll (1.
M. Nattnger of Omaha , both experienced
secretaries , read pal'ers on technIcal details
of association bualmiesmi .
The ofIcers of the state league for time
ensuing year are lS follows ; President , Q. *
J. Phelps of Scbuyler : tnt vice president ,
0 , ! , Nattnger , Omaill , second vice prell-
dent Arthur Truesdale Fremnont third
Tredalo , remont ; vIc
prolllcnt , Ii , O. Paine , Alliworth : secretary
and . treasurer , II. E. Bryson , Omaha The
officers constitute he cxecutlv commultteo ,
execulvcmlllec
A Matter of ( epilmiomi.
Town Topics : ' 'ho tragedian , " remarked
the dan euJo , with anne concern , "Iroml to
have lost ills head " "No , " rejoined time
maitre do ballot , his glance resting upon the
cabbage In the middle of the stage , "I am
Guru It was thrown ou from the audience , "
-