FlfTV-l'OUlTII AN.VLAI, ItCPOUT
-OF TUB-
Connecticut
Mutual Life Insurance
Company.
To the Members: Your careful attention
It skcd to Uio itemized financial statement
which accompanies this report.
Bach succeeding rear brings to tho eon
duct of our nltalrs its own varying eloraenta
both of dllllcully and of advantage, growing
out of those general conditions which affect
tho outcome of tho several lines of action
which collectively make up our business op
eratlons.
Tho notable adverso elements encountered
In 1?!)S were tho remaining depression In
real estate fallowing the panic of 1893, with
comparatively small demand, with fewer
Bales than foreclosures still, Homcthlng of
on Increase In the expense account for the
caro mid repair of foreclosed properties,
rents Mill hotow the normal scale, a very
low average rato of Interest throughout tho
yoar, affecting a considerable volume of In
vestments, and, In the rato months of the
year, owing to the disturbances growing out
of the former speculative financing of many
corporato Interests abruptly checked by
events In Kuropo and South Africa, a decline
in tho market value of securities of tho high
oat grnde. Such a decline does not affect
tho Intrinsic value of, nor the Income from,
theso so-'urltles. Uut, being c-mpcllcd by
law to show each year tho market values of
stocks and bonds, mnrklng them up when
they rice In price and marking thorn down
when they fall, tho process makes that Item
of our assets and that factor In our surplui
vary arbitrarily from year to year. Perhaps
n fair index of tho character of our holdings
of this class of securities Is tho fact that on
a cost of $22,881,457.49 there was a shrlnkngo
in market value January 1, 1900, as against
January 1, 1899, of only $193,429, less than
1 per cent of their cost, but making both
our assets and surplus less by the sum
named than they would bo had tho market
prices remained unchanged.
Happily, all the other Incidents of tho
year'H experience have not only been favor
able, but some of them glvo hopeful promlso
for the future.
As for many years past, the proportion of
lapses and surrenders has been very small.
Tho company has not been put to heavy cx
ponse under tho present unfortunate and
unnecessary conditions of competition to re
place a largo loss of old business from tboso
causes. Without any change In standard or
method It has further Increased Its business
In force by $2.3."i3.G30 and Us premium Incomo
toy J1CI.3J8.K.'. and its net or ledger assets
by $570,811 10. This Increase, though not
ntrlktngly great, Is thoroughly healthy. It
lias not been procured at a cost which has to
como out of our old policy-holders through
n reduction In their dividend and a conse
quent Increased fash payment by thenn.
Whllo tho mortality in 1899 was somewhat
larger than that in 1898 It was far within
that expected by tho mortality table and
made a saving of 523,287.
tno savings rrom greater interest earnings
and smaller expenses than aro provided for
In our calculations of premiums nnd reserves
and from other sources, whllo not as largo
ns In some formor years, have been sufficient
to warrant a return of surplus during tho
prosont yiar on tho samo scale as for sev
eral years past.
NnrpliiH n n it Protection.
For some years post tho savings from In-
torost, expenses, mortality aud otherwise,
havb slightly exceeded tho amount annually
returned to policy-holders. We havo felt
that our flrst duty to thorn In dealing with
the surplus, was to sulllciently fortify tho
compiny against every foreseen contingency.
Theso contingencies wo have kept constantly
in mind nnd havo tried to duly estimate and
guard against their possiblo ofTect. They
relato principally to tho outcome of fore
clrsed real estate, poislblo depreciation of
other assets, n temporary high death rato,
an unusual expenso account and a more or
leas protracted period of low Interest rates.
Whllo our foreclosed real rstato ban in tho
.past, taken as a whole, shown Itself to be
worth more than Its cost, and wo know no
reason to npprehond any different axperlonco
In the future, wo realize that while wo may
expect a, prollt In mnny cases, In many others
wo must expect, as we havo already had,
rooro or less loss. Wo cannot net upon an
ticipations of profits. Wo must wait till
they are made. Hut possible losses we must
provldo against, whether on real estate or
on other assets, or from cxcesslvo death
losses or any unusual nocesairy expenditure.
Against serious disturbance to the steady
course of business from any or all of theso
causes an noiplu surplus Is tho only suffi
cient safeguard. Hut this Is not Its only
high function.
Htradylnir Hffret of Surplu nn
IMvIiIciuIn.
Tho membership of the Connecticut Mu
tual consists very Inrgoly of those who
have bicn led to value II fo insuranco as a
protection to tbo family; nnd consequently
they regard It om a matter of absolute per
sonal duty. In this sober view of Its truo
use nnd Imperative Importance, tlioy realize
how necessary It Is to them that Its cost
should bn mado as small ns possible, in
order thnt for every dollar they can expend
for It, their families may get as largo a
protection as poflsiblo. This Is tho end to
which the Connecticut Mutual shnpes every
plan and method. And In order that Its
members may carry on their policies with
the greatmt easo and certainty, It seeks to
'glvo them not only tho lowest practicable
cost euch year, but a steady, low scale of
cost. In returning lie surplus to its mem
bers. It long ago adopted u scale of distri
bution which takes due nnd full nocount of
its average mortality, expenses, Interest,
nnd other sources of Having, When Its ex
perience Ins been n llttlo more favornblo
than that nverage. Instead at slightly in
creasing tho scnlo of division for that year,
nnd so using up the small excess of earn
ings oror tho average, and having to drop
the next yonr perhaps to a lower ncalo, It
has deemed It far more useful to Its mom
here nnd of far greater asslstanco to them
in tho long run In keeping their policies In
force, to Iny aside any mich llttlo exeestt
ngaln.it the day, certain to come, when tho
pendulum will swing tho other way nnd
thoro will bo less surplus saved; tho accu
mulated gains of tho past ran then bo used
for a timo at least, to still maintain tho
Bame scale of dividend anil tho same low
rato of co3t, until, perhaps, n return of moro
favorable conditions reutoriH tho former
earning capacity, or, uutll tho less favora
ble conditions havo become ao evidently per
tmapont that a new and lower fcnlo of dis
tribution becomes a measure of prudence or
of necessity.
It Is for both theso purposes for fortify
ing the company's financial condition agalnBt
any foreseen possible adversity, and for con
tinuing as long as possiblo u steady scale of
Increasing dividends and consequent de
creasing ccst-that Tho Connecticut Mutual
has carefully husbanded tho resources from
Its, savings over nnd above uu average scale.,
The wisdom of this course appears under tbo
conditions of tho last two years, when, from
an unusual, and, we hope, only a temporary,
fall In Interest earnings, no excess of surplui
obovo the average has been made, and when,
but for such former accumulations, a lowsr
scalo of division might havo become alreaJy
necessary.
It Is unsafo to prophesy. It Is Impossible
to make promlsos. It Is wrong to oncourugs
hopes that may easily bo defeated by causes
beyond our control. Ilut we are very glad
that, for tho present at least, while many
rthsrs have found It nscesaaxy to reduce div
I (1(1 ml a nuta .n..-. t-.it. .. (
without hope that a favorable oh ane I , ,1
ilitlnnn mn in ,i , , r ' """"wmeni, not. cniy as a means ot
ductlon bv t f?lT el ,1 Mr 'r1"1' Pret to the business but as a
some llm 'to mTw n 'T n'f '"""I n competition by greater
nSwVi0. "Te ?.e . ".?"r hPe". the expense acount In life In-
......... .v. -, iiui niiuivici -Uijlllliuntl
may arise, they will be frankly met and you
will be fully advised of their effect.
Co in m Inn loner's Ilxnuilitntlun,
I.vory four years the Insurance Commli
sloner of Connecticut Is required by law to
examine every company chartered by the
state, verifying Us accounts and assets and
scrutinizing the conduct of its business. Thin
company was so examined during the past
year.
Tho only point of dcubt was on to the pres
ent value of our foreclosed real estate.
( From his appraisals the commissioner catl
, mated tho present value at $193,156 Ices
man tnis real cstato has cost on our
books. The dimcutty of getting a reliable
appraisal In a dull market may be Illus
trated by tho fact that one parcel was ap
praised at $13,000; half ot It has slnco
been sold for $13,000 cash, for uses which
increase tho valuo of tho remainder. Wo
have several plecie, some very valuable,
which now cost us nothing. They are what
ntnaln after selling enough to more than
i return the coot of tho parcels of which
tr.cy wore a port. Nono of these were ap
praised. Many ploct on which we may
reasonably expect sonio gnjn were not ap
praised; some on which we may lose were
i not appraised. Tho question therefore pre
' Bented Itself: What account. If any, shuuld
I bo taken of the shrinkage so estimated by
I tho commissioner?
A leaf from our own cxperlcnco In theso
matters may bo Instructive-: In 1S79 tho
I comml-sloncr made an examination and op
I prnlsat of every pleco of property foreclosed
, or likely to be foreclosed. These properties
Ictst us $12,597,998. Tho commissioner val
' ued them at only $10,638,870: a shrinkage of
$1,939,128. Out of this wo have since sold
niore than tho property cost, and $2,538,717.32
1 but which the commissioner valued at only
$0,679,499.42; that Is, we got $1,429,457.08
! more than the property cost, nnd $2,538,717.32
'more than tho onmmllnnpr vnlii.iHrn
J That the remainder of those properties will
sell at equal advantage we do not expect.
Whllo sccno will moke a gain, some are cer
tain to mako moro or less of n loss from
causes of depreciation that occurred long
ago. On tho other hand tho properties fore
closed slnco 1893 ought not to suffer any very
heavy shrinkage. Wo do not know why, as
a whole, they are not worth their cost.
Wo carry our foreclosed real estate on our
books at Its original cost. Wo cannot tell
what It Is worth until wo sell It. Having
always had proven te.tsons for believing It
worth Its cost ns a whole, we have never
by nppralsals anticipated cither gain or loss.
Wo havo taken each us It came. Wo could
not In justlco to ourselves mark somo pieces
down to nn appraisal without marking oth
ers up to an appraisal. This would cause
annual changes In book values, based on
mere changing opinion, InBtcad of the actual
Investments, with a constant temptation at
least to mark up rather than down. Our
present method wo do not deem It wlso to
change.
Ilut, In order to glvo fair recognition to
the fact of a probable less on somo of tho
foreclosed properties and the uncertain
amount of gain on others, nnd, In view of
our ample surplus, tho office of which, In
part, Is to protect us ngalnst such a con
tingency, wo have decided to add CO per
ctnt to tho shrinkage estimated by the
commissioner, making a sum in round num
bers of $750,000, and, for the present, carry
that as a memorandum liability under the
title of "Contingent Ileal Estate Deprecia
tion Account." It does uot affect tho actual
value of our property. Providing against
a possible lass which cannot bo measured
till It comes, does not cause n loss. This
leaves our accounts undisturbed, whllo It
rolloves our surplus of what might other
wise, In view of tho commissioner's esti
mate, be regarded as a possiblo padding with
uncertain values. So long as it Is deemed
expedient to carry this item of provisional
liability, tho balanco of It, deducting any
losses mado on sales, will be shown each
year.
Tlie Amount of Snrjilna.
Tho surplus, December 31, 1899, was
$7,208,341.59 by our own standard of sol
vency, which Is much higher than tho legal
standard, tho latter being based on tho as
sumption of earning 4 per cent annual In
terest. On all business written since Aprlt
1, 1882, wo calculate our liability on the
assumption ot earning only 3 per cent in
terest. This makes our tcscrvo liability
higher and our surplus lower by $2,101,703,
than they would bo were thnt business based
on the legal I per cent standard. In which
case tho surplus would stand nt $9,313,014.59.
For greater futuro ttafoty, tho company
voluntarily carries n reserve $2,104,70.1
greater than thnt required on business based
on tho legal standard.
Ileul Kntnte Snlen.
During 1899 we Bold for $040,610.33, fore
closed properties that had cost $551,919.40.
On somo of tho pieces there was a lew of
$13,239.95; on tho rest there was n gain of
$101,930.88, leaving n net gain of $88,690.93.
It was throughout a dull year for real es
tate. To December 31, 1S99, tho not gains on
real cstr.tc sales from year to year aggre
gated $1,808,135.11.
Property I'ureliiiNeil,
Tho present homo olllco of tho company
was built thirty years ago, with llttlo an
ticipation In plan nnd accommodation for
tho great Increase in tbo work of coming
years, In which wo have long been put to
great lnconveulcnco and disadvantage. An
opportunity offered to buy nn adjoining1
pleco of land well suited to connect with
the present building. Wo shall probably
Improve It during the year by a plain but
Hihatnntlal and thoroughly modern olllco
building, giving us needed space and con
venience, nnd to tenants attractive business
quarters.
The Sluuit of the Tim ex.
It Is with no llttlo satisfaction that wo
note In same ot cur competitors the dawn
of a long deferred recognition of tho vital
Importance of somo of thoso things which
the Connecticut Mutual has all alone In.
dated wero essential to safety, essential to
tho Just Interpretation and administration of
tho mutual principle, ami essential to tho
best nnd permanent welfare of those bene
ficiaries for whom nlonu life Insurance is
designed, and for whom it should havo n
Bliiflo eye.
Othi-rx AiloiitliiK the ('oinirrtlcii t Mii
timl'M Intercut .tnum:itloii.
Tho Judgment which led us elchtepn
yearn ago to anticipate tho great fall In In
terest rates and to provide ngalnst Its
ertect by tuon assuming a 3 per cent rate,
was decried as a counsel of timidity nni
weakness. Thnt assumption has given us
Incomparable strength, with great advan
tage to tho business based on the 3 per
cent rato, and without cost to the older 4
per cent business; and the relations b.
tween tbo two have been Self-adjusting.
The day foreseen having como, moat of tho
companies are forced to change their as
sumption, nnd some of the largest find
themselves with a vast amount of busi
ness on tbo 4 per cent basis, nbput which
there Is an appearance of anxiety, for tho
4 por cunt reserves on It are being rein
forced by heavy appropriations thareto
from surpluses accumulated from, and sup
posed to bo held for future division anion
the various Tontlno or Investment schemes,
(irmvliitr Alarm nt the l.x.irnxc
Account.
One of the strangest developments In life
Insurance In the last twenty-flvo years has
been the Increase lu its expense account.
While that of every other euterprlso and
Industry tuu bea studiously watched ami
THE OMATIA DAILY 3H3E: DAT,
t.lbt. Point and It. ...
'1X1" ..." .."". n'1 Pnwnent
suranee has gone the other way. The com
petition has not been by wny of listening
cost secured by prudence aud economy.
Those companies have secured aud are
securing tho most new business which havo
made their Insurance cost their policy hold
ers meat, and are making it cost most to
day. Tho attractions they adverttso to the
general public are not those methods of
close economical management which pro
duce the best results to tho family at the
least cost to tho premium payer the most
real protection for the least money but
their enormous Increase of the amount nt
risk. And to secure this Increase the at
traction they offer to the Individual Is not
the simplest p.. most complete protection
possible for hi., 'amlly at the smallest cost
to himself which can be achieved by pru
dent management, but somo scheme by
which It ho leaves all tho margins on pre
miums and Interest and reserves lu tho con
trol of tho company for fifteen or twenty
years and subject to forfeiture If he dies or
lapses within tho period, ho Is admitted to a
speculation In what others may forfeit mean
time should he live nnd pay through.
Hotv Volume In Seenreil.
It Is tho estimates nnd Illustrations ot
these speculations on which their business
has been secured. It is by hiring tens of
thousands of agents nt enormous commis
sions and bonuses nnd allowances to prcs3
upon men these speculations In tho protec
tion of their own families that they havo
won magnitude. Ilut their policyholders
are, In consequence, paying moro on the
average for their Insurance by $20 to $30 on
every $100 of premium paid than arc thoso
of the Connecticut Mutual. Ilut, as the co3t
of ix policy Is tho difference between the pre
mium charged and the surplus returned, and
the schemes of these companies pcAtponc nil
returns of surplus for fifteen or twenty years
tho greater and actual cost of their policies
Is concealed from their policyholders during
all that time. It Is only when they fall out
by the way, or when the settling day of tho
speculation comes, and It Is seen as has al
ways been tho case how much less than tho
estimate or Illustration the result Is that it
is realized how dear has been the bargain.
One great company has In tho last llfteen
years about doubled Its expense ratio and
halved Its returns of surplus to Ita in embers
on tho older und nonspeculatlve plans. Ilut
It Is keeping up In the race for magnitude so
far.
The Cliniievn of Iteforin.
Ilut now ono of the greatest of the racers
announces that Its directors have decided
that Its officers have been paying too much;
that the business has been forced; that,
however much they may write In this wny,
they lose nearly ns much; that it Is In
creasingly difficult to buy new business
faster than the old drops out, nnd that after
nil It Is only the business thnt stays that
Is worth having, although that Is one of the
companies thnt depends on the leavings
ot those who go out for tho speculation fund
ot thoso who stay In. But those leavings
have been largely enten up by the expense
necessary to get new business enough to
keep ahead. It dors not yet appear what
will bo the outcome of this mora prudent
view of the situation. Whatever has been
or may bo done about the expenses, other
recent things havo shown pretty con
clusively that the company has, at present
no mind to bo eclipsed In size. What method
ot competition, except that of high pay to
agents, will be adopted to prevent falling
behind remains to be seen. It Is much to
havo the truth ncknowledged. It Is de
voutly to bo wished that its management
may riso to all tbo practical courage ot Its
now conviction".
Meantime It Is significant that the faith
so steadily contended for by tho Connecti
cut Mutual Is thus at last confessed by one
of Its severest nnd long-time critics,
Another l'oNxltile Iteforin.
That samo company Is also rendering a
trlbuto to the princlplo of llfo insurance for
mo uso ot mo lamny ratner man as a
scheme for the personal profit or con
vcnlonce of tho policyholder. It has nn
nounced Ita recognition of tho fact that tbo
policyholder can't use up his policy with
out his family losing It.
To the attraction of a policy which lets
tho mnn Into a personal speculation lu tho
losses of others (and of others in bis losses),
tho racers are adding the agreement to loan
him all or oven more than tho reserve on
his policy; a feature which consistently
completes tbo purely personal and npecu
latlvo view by which they draw men by
self-interest rather than by leading them to
plain but unselflnh duty. No doubt It k)
ogreeablo to many men to think they can
borrow at will for their own convenience
nnd put up their policy as collateral. There
must bo few who, In cold blood, would do
It If they could really In fore vision put
themsolves In the placo of tho widow com
ing with her dependent flock, with hope In
her heart for them, to re?lzo the promlno
In her policy, and unexpectedly receiving
In Its fulfillment but a fraction of that
which will clothe and feed, and for tho rest
tho canceled noto which has served tlu
personal convenience of tho husband and
father. Few officers of companies can
really desire to face such disappointing set
tlcmentn: such heart-breaking failures of
promised protection at tho saddest crisis
of stricken lives. Yet few hesitate to com
pcto for business by offering to do It. While
It has not pointed out tho limitation upon
this practice the company referred to has
emphatically declared that It may be and Is
being carried too far.
The Uiiehmiurliiu; I'lictx.
Timo Is slowly demonstrating to thoso win
would force tho growth of their comcanls by
other theories that tho only true uso of llfo
Insurance is the protection of tbo fomtiv I
that any other use of it can bo had only by tr"'a ln a11 but tno- ?rat "' IIe ,s nn ox
tho more or Iras complete destruction of Its ' '"-'rt wl,h tho TaPlcca and tno duel 8CC,le ls
protective value; that tho working expenses 0,10 of 1,10 most rpa,latl over Pl,t' 0, t""
of It, even reduced to the lowest terms by H,aK-
which safe and true men con be emplojed In Araelln Oordner, who will bo rememborcd
Its promotion, aro so much greater thin n8 hl,v,nK been se etfMbnl'SowIng tho Wind"
those of any other instrumentality for the ! llcro la8t (,enson' phiysolteno do Cocbferet.
Investment and enrc. of other people's money M,ss 0ard"cr ,8 "specially strong In tho
thnt no one can legitimately afford to n.n h emotional scenes and-iher toeauty adds much
or any cf tho schemes offered In its name fori10 ilvT portrayal of tbe-jpart. The produc-
' I 1 . . .l..n 1., ..It In 1. ...11. .
peranum prom or convenience. Thero can I
be no profit In it to ono which does mt comn I
from the greater loss of another; there can I
uv uu I'rimiimi viiii v fiu V II I'U WlllCn (IOCS lint I
cost far more than It Is worth or which coull
not be had at less cost In another way.
It Is slower building. It is harder work. It
Is less showy on the Burfaco, to p;rsiiado
men to tako life Insurance nt It3 own valuo
only, as tho only wholly competent means ot
doing their unselfish but Imperative duty to
their dependent ones, and with all Its details
adjusted to their most complete nnd abldlns
protection, asking for one's self only that
tho cost of this duty shall bo made as small
as possible by a prudence as careful and
conscientious as tho duty Is sacred, Dut the
work so done endures, It disappoints neither
those who trust It nor thofc who pay Its cost.
The road to tho highest results la not along
tho lines of least resistance; nor Is It much
thronged with those who applaud. Dut the
truth remains and returns. And genuine
conviction of and loynlty to sound princlplo
are tho most enduring basis and the string
ent binding tie of human Institutions.
The Operntlona of Fifty-Four Yrnm.
In tho fifty-four years of Its work tbo
Connecticut Mutual haa received:
For premiums $M,35tl,0u5.r0
For Interest 8l.6SZ.3S7.lB
l or rents 8.027.MS.U
Ilalunce profit and
loss 1.177,m9.7
ft Total receipts... J300.1li,953.7J
It has paid death
claims for II9i.U2.62S.7r
Endowment and
annuities for.... H,Wl,5i7.
Kor surrendered ;
polMM .... ,2S.M.JTt.74
her dividends. ,.: HJ'.'.iW.Jtl.ot
j-
A total return to
pollcy-hnldrtu or.
their IvnellclarleiO '
tielng ;.37 peH"t
cent of the enttrij;, ,
P r e m I u m s re-
, telvfd rJ)t,'l2i,020.74
It has pnld for ex-s'nli
tionses , .S6J.'.6S2.S.l
Tuxes ,y,Ui;.-176.23
Totnl expenditures,! $2T,O)5,079.S2
. ii.,
Bnl net assets, Jan. 1 1W..
It hnf additional assets (si
$02.877,678.9.1
S.IOO.OCO.&t
(sco
siarement) '.'..'Wil..
Totnl nssets....,,., $14.5S3,OT9.Ct
Almost 9S per cent of the premiums paid
by policyholders have been paid over to
their beneficiaries or returned to them.
What has been so returned and what Is held
for the protection of present policyholders
an not or ledger assets (saying nothing of
$2, 200, 0C0.CS additional assets) aggregates
$203,602,S99.07; 127.57 per cent of tho total
premiums received.
Thoso results have been accomplished at
an average expenso rate of only S.9 per
cent.
It Is an unmatched record, and The Con
necticut Mutual Is as thoroughly prepared
for tho good work of tho futuro as It has
at any tlmo been for that ot lu unequated
past. Itcspectfully submitted,
JACOH U. QIUCKNK, President.
Hartford, February 12, 1900.
Of Coiii-mc VohMI ThUp M. lliirlliiKtoii,
Four fast trains to Chlcngo dally 7:30 a.
m., 4 p. m 7:30 p. m., 11:59 p. m.
j ...AMUSEMENTS...
J
Vuiiilcvl lie
Weekly change of bill nt the Crclghton
Oriilieum Hunday.
Junius O. Harrow., John Lancaster,
nrandott .Mltchel, Florencu Wllber-
hnm ; "Tactics"
(One-net dramatic comedy.
Kdnn Dnssett Murshnll nnd Company. .
, ,,. Novelty Vocalists
I.,1."" , ''" Musical Artist
jinn-, iviiiiiiy Trained Dogn
Ilnnnoii and Nelson.... Blngers and Dancers
jjiiii-k una uniuiy Comedy Singers
Hodges und l.uunclunere. .Colored Vocalists
Unquestionably tho best bill that has been
afforded the patrons of Omaha's popular
vauucvlll'j bouuo this season is that pre
sented at luo Crelghton-Orpheum this week
The bill represents tho highest typo of
vaudovllle, sufficiently diversified to moot
the approval of tho most exacting and poa-
bivuIiir not ono mediocre act.
Of moro than ordinary merit Is the prin
clpal attraction of the bill, a one-net dra
matic comply from tho pen of Thomas
Frost, author of "Chums." It In entitled
"Tactics." and the stage setting represents
the drawing room of ah old union gonernl's
home In Now York City. Ills son returns
from Weat Point, accompanied by Colonel
Stafford, a rello, of the civil war who
fought against the union, and his oliarmlng
daughter, with whom the young cadet haB
fallen desperately In1 love. When Oencral
Drummond and Colonel Stafford meet they
recognize each othernf! the participants In
a desperate struggle on1 the field of Onttvs-
burg. Thuy stornf nncfi rave Immoderately,
recalling tho sceno of their previous meet
ing on tho battlefield. The young cadet and
the southern girl .adpnt a tactful method
to gain tbo consent or the two old warriors
to their marriage. ' Each gives his consent
believing that tho marriage will bring grief
to tho other. Happily, it results ln not
only tho union of, tho, two young hearts,
out ot tno veterans tucmselves. The prin
clpals, Jamea'o. Barrows as Colonel Staf
font, and Brandon Mitchell ns General
Drumniond.'icurry thelriparta well. Withal,
thu pleco Is aa clever- a llttlo production
as has been seen on the vaudeville stage1
In n long time.
Edna Ilassett Marshall, the sweet-voiced
singer, renders "Tlie Holy City," a pleco
oho has made famous, ln an' Inimitable
manner, having at a setting tho exterior
ot a cathedral, Resides this sho sings
other popular and classical songs and is
supported by her "street urchin quartet.'
composed of llttlo no Perry and the youth
ful Wright brothers. Tho little Perry miss
is a talented singer and dancer and is so
full of life bcToro tho footlights as to mako
hor n prlmo favorite. The Wright brothers
aro clever acrobats nnd the act Is decidedly
unique.
Lllllo Western, the musical nrtlst, haa
been rt'-en In Omaha before. Sho stands at
tho head of her profession ln this stylo
of entertaining and renders bewitching
music on a variety of instruments. One of
the most Intonating acts Is tho Introduction
of a half dozen intelligent fox terriers by
Mile. Emmy. Tho little animals aro trained
perfectly and accomplish any number of
wonderful feats.
Hanson nnd Nelson, two young women
swoot of voice, nlmblo ot foot nnd bnnd-
Bomo In appearance, made n decided hit In
tholr singing and dancing specialty. Clark
and Candy, tho comedy singers and enter
tainers, and Hodges nnd Launchmere, the
colored vocalists, complete the bill satis
factorily.
'Under the Heit Itohe"
Of tho many latter-day romantic dramas.
or costumo plnys, as they aro frequently
called, few It any are moro Ip-tercsting than
Stanley Weyman a "Hod Kobe," which was
the attraction nt Iloyd's theater Sunday. Tho
piece has been seen here beforo, yet It seems
to be as much ot a magnet as ever. Utst
season William Morris played tho leading
role, which Is this year assumed by a
promising young French actor, Paul Cazo
neuve, who was at one time understudy to
tho younger Snlvlnl. Cazoncuvo looks tho
part of the roysterlng young swashbuckler
that tbo author has conceived In Oil de
Ilerault to perfection, although thoro is a
lack ot BP,rlt and daan notlceabio in his por-
rctjmuk mums ui
tlle PlaVi wnl, thtf'fompany Is an evenly
ba,nnccd 01lc- Tll emiagoment closes Wed
'-....-f ...n"'
AnnonuiM-meiilH.
The program of tbennntertalnment to bo
given at Metrnpolltauinnll Monday aftorncon
nnd evening will bo'nriil of general Interest
to society. It has -been- arranged by Dean
Fair and Is as foffoVs":
Mllltury Drill ...JuiiWft.of the High School
Vocal Numbers .i.1.'!
Jules I.urobaid nnd Miss Wilson
. . , DlnHVHt 6.
A Comedy In TwoAiOa
Ouy Lotrnce !V.,i1.V..Wlllard Harrows
Percy Montcl Milton Darling
Amelia.. Miss Uretchen Crcmnsa
LouIho PnyHon Mrs, Crittenden Smith
Mrs, Snlgglns Mrs, Malhewson
Jimmy Snlgglns Mnster Sam Crawford
'"'"VV" Mrs. KUwurd Peck
Minuet In Costumes
Pupils of Miss Doane and Miss Mckenna
Hcllany Quadrille
....Arranged by Miss Jesslo Dickinson
W. S. Phllpot, Albany, On., says: "De
Witt's Llttlo Early Risers did me mors
good than any pills I ever took." Tho fa
mous llttlo pills tor constipation, bilious
ness and liver and bowel troubles.
Itlslit Thro.' to Sun Francisco.
No changes; no delays; no chance ot miss
ing connections. If you take the Ilurllngton
Houto to California.
Through sleepera for San Francisco leave
Omaha 4:15 p, m. dally. Dining cars all
tho way. nnest scenery lu tbo world.
Tickets, 1S02 Farnam at.
FEBRUARY 20, 1000.
PROGRESS OF CITY CAMPAIGN
Wasteful Fira of Popooratio Artillery at
publicn Ticket.
SOME MEM WITH GRItVANCES TO AVENGE
Hoanln nt the Politician Knltsteil In
the Wnr for the Capture of
Oiunliii'n Montiiiieiitnl
Cltj- Hull,
The cruel political war still continues. Tho
lines nro being formed foi the final struggle
wntc-n will take place on tho 6th of March.
Tho silk stocking brigade will bo under tho
command of Lord Pootdeton of Elliabeth
Place, while tho forces of tho common people
win ioiiow tiicfr old standard bearer, Cap
tain Frank E. Moores of Omaha.
It has been decreed by Lord Popplotou that
me om nag which so long has floated ln
ironi or tbo home of Frank E. .Moores shall
float no longer, und that the stnrs and
stripes, which wave from tho window of the
mayor's office In tho city hall, shall como
uown. The battle will be a destierate ono.
for Captain Moores has already Issued tho
command, "If any man nttcmpts to haul
uown mat nag, shoot him on the spot."
Tho heavy guns of tho enemy havo Al
ready been fired and the prospect of ro-
iniorcements and securing additional nut
munition Is exceedingly discouraging. Tho
sliells from the World-Herald batterv havn
been prematurely exploded, the supply of
lyuuuo uas run low. while the Frank E.
Moores' laager remains practically unin
jured. Thero Is nothing now left In Lord
Popplcton's camp but n limited supply ot
snrapnci, which ls to be fired from time to
time at long range with the recklessness of
desperation.
As usual In recent campaigns In Omaha
a number of disgruntled republicans with
personal grievances aro found lu tho ranks
of the enemy, fighting the republican
ticket.
Ono of this class ls John Iloslrky, who
broke tho Ice by going over to the fusion
ticket last fall ln order to show his disap
pointment In not receiving tho position of
collector of customs, which ho thought ought
to have been conferred upon him by Senator
Thurston. Now his paper Ib belching forth
foul vituperation of Mayor Moores, which ls
to bo explained upon similar grounds. It
seems that Mr. Hosicky's brothcr-ln-law,
Joseph Michael, had enjoyed tho position of
clerk of tho police court under Mayor
Ilemls and had been dlsplnced by Peter
Schwenk under Mayor Uroatch.
When Mayor Moores cumo Into office Mr.
Hoslcky thought his brother-ln-lnw should
havo been put back Into the place of police
court clerk, nnd brought all sorts of pressure
to procuro that end. Tho position was given
to nnother, and Mr. Michael, In order to
appease Mr. Itcslcky, was given employment
under the Hoard of Public Works In a cleri
cal capacity, and later lu the tax commis
sioner's office, which positions, however, It
soon developed ho wns Incapable of filling.
Mr. Hosicky's brotherln-Iaw was, thoro-
fore, dropped out after trial, but continued
seeking other appointments.
When Milk Inspector Koyd was acci
dentally killed Mr. Itoslcky nnd Mr. Michael
Insisted that tho mayor should appoint Mr.
Michael milk Inspector, although tho mayor
had said that the placo should be given to
an old soldier. When Michael was turned
down for this placo the breach seems to
havo been torn wldo open, and from that
tlmo forward Mr. Hoslcky has not hesitated
to antagonize and black wash tho mayor on
overy possiblo occasion.
Another man who Is trying to wreak diro
vengeance on .Mayor Moores Is Fritz Muller,
who was ono of tho Second ward delega
tion In tho convention, and who Is beat
known as tho proprietor of the Schlltz resort
on tho Midway. Mr. Muller's son ls apply
ing ror a liquor Ilcenso for n
place at the corner of Sixteenth
and Harney streets, directly onnosltn
Kountzo Memorial church, ami a
protest against its Issuance has been filed
by n member of tho church with the police
board. Mr. Muller thinks that this protest
nas been Inspired by another saloon keeper,
but that is neither here nor there. He haa
called on Mayor Moores, asking for a promlso
that the Ilcenso be Issued Irrespective of tho
protest and has even demanded that bis son
be allowed to open up at once, without wnlt-
lng for the board to pass on tho license. Ot
courso tho mayor could not nccedo to theso
demands, because, as ho told him, the rights
of tho church must be respected und tho
protest given at least n respectful hearing.
He told Mr. Mullor that If his son opened a
saloon without u license being first granted
for tho place ho would bo arrested. Muller
now charges that tho mayor Is controlled
by other liquor dealers In the vicinity and
is telling a wonderful story about an alleged
telephone conversation which bo pretends to
havo overheard. His last pcrformanco was to
send word to tho mayor that unless the salcon
was allowed to open wltnin two days ho j
would rush to the World-Herald with his ,
was allowed to open within two days ho
talo ot woo nnd spread out a story which
would outdo all tho fairy talcs thnt sheet
has been printing.
Representatives of Mt. Poppleton nnd tho
fusion ticket called upon Hev. David A.
Finch tho other day with a propcsltlon for
him to preach n sermon In hl church Sun
day nttacklng Mayor Moores and calling on
all good citizens to vote for Poppleton. Mr.
Finch asked why ho should be expected to
do that, and wus told that ho owed that
much to morality. "I do not seo why I
should do this," said he. "I have bad sev
eral favor to usk of Mayor Moores for
needy parishioners nnd I have always had
a respectful hearing and been accommodated
by the mayor so far as he could by his per
sonal exertion. If there ls any reason why
I should preach n oerraon against him I will
have to be given a stronger argumont."
Mr, Denawa keeps on tolling people that
ho had a sure thing on the nomination tor
mayor up to tho very minute of the
convention, simply becauso ho does
not seem to know that whllo ono part of his
delegation was carrying on negotiations
with tho Moore delegates the other end
had como to an agreement with tho Illngham
dolegates, aud that It was simply a question
ln wheso favor ho would bo dumped.
PUT IN VERY BUSY SABBATH
KuslonlNt Iteformem Utilise a liny of
HrMt In Iloiiihitrilinent mill llniu
lioosliiiK Thlmty Votem,
While tho anti-saloon league was storm
ing tho churches Sunday the workers of tho
fusion forces wero out holding meetings In
tho proximity of convenient saloons to
"catch 'cm a goln' nnd a comln.' " The big
meeting of the afternoon was held at Metz
hall on South Thlrteonth street, whero W. S.
Poppleton had been widely advertised to ap
pear. When the talking team towod the scratch,
however, It was fqund that Mr. Poppleton
had not ventured out. and W. O. (lllbert.
chairman of tho city committee, was present I
to represent hlra. He labored at great length
to relievo the Impression that he feared
CASTOR I A
For Infanti and Children.
Hie Kind Ycr Have Always Bought
Signature of f
" 1
A SUIT
ctJN every cake of Ivory Soap there arc 100
.eSP&lJl - t-l !if. t. 1 .1
v-uiiijjicic juuj oi
dressing, put on a
the entire body
Take the suit off
lather
will remove with it all the impurities of the body
which have been carried to the surface through the
pores. Use a pure soap for this.
IVORY SOAP OOM-tM PER CENT. PURE.
somo had gained that If Poppleton should
bo elected mayor he would make "n sort of a
Sunday school out of tho city." All he
needed to say to convince his hearers that
Mr. Poppleton would do not such a thing was
to say that Mr. Poppleton is a democrat nnd
could not, therefore, bo suspected of any In
tention or Inclination to restrict the license
of aif one.
Dr. Peabody inflicted one of his rambling
discussions of politics, local and national
upon tbo audience, which became noticeably
rcstlesH.
Short talks were also delivered by E. F.
Huthcrford, Thomas Harrington, Conrad
Hug, John Drexel, Fred Simpson and other
councllmanlc candidates, whllo S. L. Kos-
toryz spoke at length in tho Ilohemtan
language. John Hoslcky, who was also ad
vertlscd to speak, did not nppear.
The meeting occurred In n largo hall In tho
rear of a saloon and drew n considerable
crowd Jointly with the adjacent attractions.
The fuslontsts also held a meeting at 4
p. tn. Sunday In a hall In thu rear ot u saloon
nt 1724 Vinton street, nt which
Poppleton was billed to speak, but
failed to show up. Thero watt a small
attendance. Philip Andres presided aud
mado an extended talk in German, sucking
to overcome the prejudice of people of that
nationality against tho suspected lncllna
ttons of W. S. Poppleton ln tho matter ot
strict police regulations. John II. Gross
man, assistant county attorney, also spoka
In both German nnd English. Theso two
speakers wore followed by Conrad Hug,
Truest Mertens, E. F. Huthcrford and
Thomas Harrington.
When they had finished tho slender crowd
faded away Into the ndjolnlng saloon, not
withstanding tho fact that Ernest Stuht and
hla redoubtablo lleutennnt, E. F. Morearty,
wero also present spoiling for a chauco to
speak.
Still another meeting occurred during the
latter part of tho afternoon In Shoclytown
at which tho above candidates spoke to a
small audience, comprising chlelly Polish
citizens.
"After doctors failed to euro mo of pnen
mccln I used Ono Minute Cough Cure and
tlirn hnltlp of It cured me. It Is also the
! btst remedy on earth for whooping cough,
It cured my grandchildren of tho worst
cases," writes John Dorry, Loganton, Pa.
It Is tbo only harmless remedy that gives
Immedlato results. Cures coughs, cold9,
croup and throat and lung troubles. Moth
ra endorse It.
Morning, Afternoon, HvenlliK. Mlil
ntwht. Four fast trains a day for Chicago via the
Burlington 7:30 a. m., 4 p. m., 7:30 p. nt.,
11:59 p. m.
Nntiirul HlHtory Society.
At the regular meeting of tho Natural His
tory society. In tho society room In the
city hall, tho progrnm consisted of the
reports of tho "rrstenrcli committees" on
;.HUIlte(i the report on mosses, describing
heir iippenrimco und structure nnd plnco of
mnxses nnd on wotnm, nir. nines nuucu
irrowth. The formation of peat was clenrly
explained. Mr. Ilert Lynn guvo tho report
on worms, Including parasitic forms ns
well. Tho llfo history of tnpoworms nnd
trichina nnd their relation to man was
given, ns well us their position In the nn
ltnnl kingdom. Tho Importance of the
common ungleworm, or llshworm, ln mak
ing soli mure porous wus evidenced by
tho stntoment that ln Englnnd tho cntlro
surface soil passes through earthworms
onco lu every seventy-nine years.
After tho conclusion of tho papers spec
imens were Bhown und Mr. Benedict lirlelly
rovlowed the papers. The society decided
to decorate both tho room In tho city hall
nnd the biological laboratory at the High
school, for which purpose n line collec
tion of landscaiKi photographs has been
Ten Days From Now-
ypu will know nil nltout wlio Is koIiik to
Klvo his time that tlie city iiinv lie prop
orly Koverneil-Twlny you can nut iih
well know who It l In Oiualm that enr
rlt'B thu latneHt line and tho best line of
three fifty Hlioi-H-lioth for men anil
women -Thesu sliot-H aro innilo after the
styles of the higher-priced ones from
fine qualities of leather In nil the Hl.e
nntl widths-It Iiiih nlwnyn been Drex
Ti. Shooinan'H lilea to kIvu the hest for
the money, no matter what that money
may be We mmninlee themt JflLWl h1ioih
nn the best you will ever jjet for that
money.
Drexel Shoe Co.,
OmakA'a gp-tt-l 0ti
1410 l'AKNAil 8THEET.
The Framing of Pictures
Has become an art with us there nro
two ways of framliiK-ono Is the right
wnv. tho other Is tho wronir wuv Wo
have framed 80 umny that w know
... ,. .,,.. , ' ..!"
vu M,u jUU
the Inrgest assortment of mouldings to
select from you ever saw lu your life
Right up to dnte, too Nothing adds bo
much to a room as a picture well
framed We Invite visitors to our art
department.
A. HOSPE,
Music and Art 1513 Douglas,
OF WHITE.
ncn, creamy latncr. ociore
suit of Ivory Soap. Cover
from head to foot with
with tcoid wnter nnrl vm
mndo. A smnll bow of the society colors
was given to each one present.
Two vulunblo books were received by ths
society from Cornell university und
mlded to the special library. A committee
consisting of Air. Chnrles l.ehmer nnd Mr.
r rank Lytlo wns uppolnted to seo If some
thing could bo done to Imprnvo the con
dition of some of the nutuinls nt ltlvervluw
park. After a report of tho bndgu com
mittee, the society udjourned to meet ngaln
March S.
Four FiinI TrnliiN Dully
Via tho Ilurllngton to Chicago 7:30 n. m
4 P. m., 7:30 p. m., 11:59 p. m.
ANTI-SALOON LEAGUE TALKS
Serle of Mrrfliiui Held In View of
Approach or City Ciini
PIllKII. A series of meetings was Inaugurated yes
terday under the auspIccB of the antl-saloan
leaguo as nn Initiatory step toward the
Inauguration of a campaign In thin city.
Muotlngu wore held nnd addresses delivered
during tho day by Hev. Howard H. Russell,
national superintendent of the lenguo, nt
Trinity Mothodlst Episcopal church In tho
morning, Young Men's Christian association
headquarters at 4 p. tn. and at the First
Congrcigntlonnl church In tho evening; by
Hev. J. II. Cams, stato superintendent of
tho league, nt Lowe Avcnuo Presbyterian
church In tho morning, Young Men's Chris
tian association headquarters In tho after
noon nnd nt Calvary Baptist church at night;
Hev. W. II. I). Ilornnday, superintendent
of Omaha district, nt tho First Christian
church, South Omaha, ln the morning and
Westminster church ln tho evening: Hon.
Thomas Darnell at Hillside Congregational
church ln tho morning, Young Men's Chris-
linn association headquarters, South Omaha,
In tho nftornoon and tho First Presbyterian
church at night.
Tho national superintendent will address
tho ministers' union and laymen represent
ing local tcmpernnco organizations at
Young Men's Christian association hall at
10:30 a. m. Monday.
THERE IS A CLASS OF PEOPLE
Who are Injured by the usa of coffee. Re
cently there has boon Dlaced in all ih
jrrocory stores n new preparation called
OllAIN-O, made of pure grains, thnt takes
the place of coffe. Tho most delicate
stomach rscstvss It without distress, and
but few on tell It from coffee. It dooa
not cost over much. Children may
mm ii nun (ii Dtneiu. i&ois. ana m
, P.er package. Try It Ask fo!
40 Per Gent Discount.
W aire now clvlnor 40
tho factory prices on nil Wizard Cameras.
Como In and seo tho bargains we have. Wo
havo a flrst-clasB Folding Camera. Bulb
Bhutter. Iris dlanhiamn rlalnr nnd fulling
front and ground glass, regular prlco $10.00,
our price 16.00.
THE ALOE & PENFOLD CO.
1408 Favnara St.,
(OpposlU Pnxton Hotel.) Omaha, Nk
w - . m w i in i ii ii iii 1 1 in irui srs,