.The Omaha Illustrated
Bee
Enured Second Class at Omaha Tostoffice roblisbed Weekly by The Bee Publishing Co. Subscription, f2.S0 ! Year.
NOVEMBER G, 1804.
NUMBER 282.
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Sketch of
the
President
Dr. Lyman Abbott In th Outlook.
T UA3 been frequently said in me
present political campaign that
Theodor Roosevelt Is himself Lbs
principal Issue. I do not think to.
Parties, and the principles which
thav reuresent and the tendencies which
they embody, era more important than
a: y peronallty. however powerful and per
vasive. But Sir. Roosevelt Is the most In
teresting personality In this campaign, and
Is. In my Judgment, the most misunder
stand; and for the benefit of those readers
of the Outlook who are considering the
question whether they wish Mm to be the
chief executive of the nation for the next
four years, I propose to give them In thia
article a portrait of the man, drawn from a
somewhat clone personal acquaintance with
hlra, which has extended over a series of
year.
Moat Ootspoken of Men.
Mr. Roosevelt Is, without any exception,
tha moat outspoken man 1 l.av aver
known. It would not be true to say that
ha wears his heart upon his sleeve, for thia
would give the Impression of an emu
tlonal man whose acta and utterances are
tha product of his Impulses. But It might
be said that ha carries bis mind upon his
sleeve. Us la naturally without reserves,
and absolutely without concealments. Ha
can do alltat, though he Is not often so;
but ho eannot veil his meaning In am
biguous phrases, nor appear to be what he
Is not My first Impression was that hie
outspokenness would prove fatal to hi
political ambitions; but a somewhat care
ful observation has convinced me that be
tween the childlike candor of Mr. Rooaevelt
and the sphinxlike alienee of Mr. McKlnley
there la no safo middle ground. . No one
but his moot Intlmste advisers knew bat
Mr. McKlnley thought; every one who la
admitted to half an bour'a conference with
Mr. Roosevelt knows what he thinks. Tha
safeguarding of tha ono lay In his almoat
Impenetrable reserve; the popularity of
the other Is partly due to the fact that ho
treats ovary man as a friend worthy of his
confidence. There lo bo reason lo auppoao
thaUhe waa any more dearlroos of renoml
natloa and re-election than aay oao of hi
predecessors; but a desire which they re
garded as on hardly to be whispered In
their closets to themselves be naively
acknowledged to any on who approached
him. A wish which bo thought It right to
entertain ho old not think It undignified to
acknowledge. He ha- neither the Inclina
tion nor the ability to dissemble. He al
ways 1 what he atom to be.
alekneoo of Meatal Action.
With thia transparency of nature la
coupled an extraordinary quisknese of men
tal action. HI mind la more rapid In It
ordinary processes than that of any other
man I have over personally known. If the
reader of thia artlole ha ever seen an ex
port bookkeeper run at eye down a oelumn
of four figures and writ the result at th
foot with unerring accuracy and without
hesitation, or an expert chess player take
In th whole field of action 'before him,
appear to seo In an Inatont all th possible
combination -and th probable outcome of
every move, aad without delay decide and
act upon hi curs. be may form soma
Idea of what I mean by quloknes of men
tal action. Mr. Roosevelt ha a often
been called Impulsive that I presume thoa
who have never known hlra will regard
with Incredulity this expression of say eea
vlctlen that ho I not Impulsive. Such,
hewever. 1 my coovlcttoa. Hla a eta are
tho result of processes of Judgment, aol of
udden Impulse. He think first and aot
afterward. It la th celerity of hla meatal
processes, th anhesltatlng confidence ho
-feel In th result, aad th quickness of hla -action
upon hi conclusion, which, com
bined, have given him tho reputation of
Imputatveness. But ra trwth ho no mere
acta apon Impulse m his political decialea
than the bookkeeper act upon gueo when
he put down th mm at th foot of hi
column, or tho sheas player oa ohano
when ho move his pawn or his queen.
Deliberation and judgment generally g
together, but not always; Mr. Roosevelt 1
Ml a deliberate man. bat he act habit
ually oa Judgtneat. net on tmpulae.
Re beds JoAgrment.
This celerity of action 1 fostered by tho
methods of hi judgment There are thro
.methods by which one may decide hla
eeurae of action In a doubtful elgency
tradltlon, policy, principle. Ho may look
Into tho pact aad oonalder what ooars
habit hi own or tl)t of hi social circle,
hi community, or the nation indicates
correct; he may peer Into the future and
- endeavor to decide what will be th prob
able consequence of alternative course
of action; or ho may refer tho question be
fore him to so.-ne before carefully consid
ered and well-settled principles of action,
and decide upon hi course by applying
that principle to the circumstances before
him. Tho former two method are rela
tively slow. Uales ono I vary familiar
with paat precedent, ho must take Urn
to study them. If they are to bo hi guide;
&or I It possible without much pondering
to form aay valuable judgment as to tho
probable ultimate ooiuequenee of "any
dulilou course of aotlon. But ordinarily It
take little tlmo to apply to any given clr
cumstanc a principle of action already
well defined and clearly eatabltshed In tho
mind. In determining what prlnolples of
action shall guide him. Mr. Rooeevelt con
older, often carefully, both th tradition
Of th paat and th p rob We result of
proposed and habitual ooarso of oosduot
But wheel tho particular ealgeney arise In
which he la to act. ho neither aska what
tradition prescribe a or what results will
follow; he applies th prlnolpl already
determined on and acta aa It directs. Thua
he settled very early la hla politics! career
that he would bo a republican, and that he
would maintain hi Independence In hla
party, not by going aot of It Thia Involved
a aecond principle, whan he was Invested
with appointing power, namely, that he
would consult with the recognised leader
f his pmrty. simply because the were It
recognised leaders, but would a ever appoint
to offloe a man whom they reoom mended If
he had good reason to doubt th candt
. datea character and competency. These
two prlnolples led him to consult with both
Mr. Rlatt and Mr. Odeli when he waa gov
ernor Of Hew York and with Mr. Burton of
Kansa and Mr. Quay of Pennaylvanla.
when ha became president No acomng
at him aa having abjured bis principle
because he consulted with these party
leaders had any effect upon him; and aa
tittle waa he affected by th threatened
opposition of these party leaders whea
he reftaed to be guided by their advloo
because ho thought their nominee un
worthy of his acceptance. I think this
principle of political acUjn I sound; that
la a country governed by . panie th
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MISS ADA KIRK END
executive must consult with representa
tives of hi party, whether he would have
chosen them to represent the party or not.
But, whether sound or not, his character
oannot bo understood except as the stu
dent of carrent. hlstary understands that
this has been and la one of the guiding
principle of Mr. Roosevelt' political ac
tion. Disregard of Tradltloaa.
' This, combined celerity of mental action,
disregard ef tradition aad of temporary
oensequeaees, and adherence to funda
mental principle, flada a dramaUo Illus
tration la tho Panama oaa. Ia thia case
tho and to bo sought wss a Panama canal;
th duties to be fulfilled were the preserva
tion ef the railroad and 'the keeping ef the
peace. Mr. Roosevelt foresaw that the
consequences of allowing Colombian sol
dier to land on the Isthmus would be
fighting In Panama, a consequent neces
sity of landing United States soldiers lo
guard th railroad, a probable embroil
ment with Colombia, a possible entangle
ment with France. The quickest, shortest
and most eoocvomlcal method of securing
tho desired end the construotlon of a
Panama canal, and of fulfilling our duty,
tho preservation of peace was to prohibit
th landincof Colombian aoldler in the
What Insurance Provision for Modern Family?
a 1
iCTFUB W. WEEKS of New TorX
R
vioo president ef the Actuarial
octets- of America, present In
the Independent an at tract ve plo-
m "w turo of what life insurance win ao
la protecting the family against the ad
verse contingencies of life and death. He
says:
There I alway a gap between th Ideal
and th practicable, partly because people
hardly ever prefer these things which, are
really best for them. It fellows that the
main business of tho preacher, the dcotor
and th life Insurance man Is. first to find
out what la the nearest to tbc right thlag
which people caa be Induced to do, aad
then to get them to do that A etady of
the right thing Itself haa. therefore, the
look of unpractlcablllty; yet sueh study I
at least worth while as an Intellectual
paetiane, and It doc have practloal value,
for It help a llttl toward moving th lin
ef the practicable toward tho Ideal. -
Let a then consider the case ef the
typical y ciing man who has begun well In
business life, and let u study, first what
precisely It la that ha need which life la
suraaee can furntah: second, why ho dec
net want and cannot be made to want
the preelae thing he needs; and. third,
what la tho nearest to the right thing that
he oan b mado to want and to take.
Lot as suppose that the yeang mnn l In
year eld; thst h has a wife ef the ra
age: that thay have on child and propose
to have not to exceed two were three
children being a 'long family" (to use tho
Devonshire phrase) according; lo the mod
ern oala Let ua auppese further that tha
man haa a permanent place and la receiv
ing a salary ef 13.000 a year.
First then, what doe uch a man need
protection against unfavorable con
tingencies ef life and death for himself and
hi family! and what share of his Income
weald It tak to provide thl needful pro
tection T '
laeonao tor tbo Widow.
The plainest chance against which a pro
vision Is needed 1 the chance that the
young man may die and leave hi wife a
widow. The husband will admit If pressed
that In thai case hi wife ought to be se
cured an Income for aa long a sha lives
of at laast 960 a month, or $720 a year. A
life Insurance company could be found
which would assume this obligation for an
annual payment of 1191. Thia la the lowest
price at which this obligation eould bo pur
chased, and the arrangement 'would return
nothing te the husband In case the wife
alicKild die first. Th annual payment would
be merely o much money spent every year
out of the men's Income spent aa we may
aay, for the comfort of mind ef himself and
hi wife In knowing that her future liveli
hood waa certain. It may be objected that
there I no need of securing to tho possible
widow sn Income absolutely for life, sine
be may very likely marry again. This la
true, and If an Insurance company could be
found which would sell a future Income for
th wife, to begin only In case she became
a widow and to continue only a long aa
ah remained a widow, for lower price
than the Income t continue for her life,'
then no doubt the lower-priced article
would fill the requirement There la. how
ever, bo life Insurance company which
would cell thl kind of contract, and. even
If there were, the statistic of remarrisge
f wldewc Indicate that It would net be
safe, even theoretically, to deduct more
than II per rent frm th price in consid
eration of the eossatlen at remarriage.
Practically, therefor. In crder to meet th
reasonable need of the wife that she should
not If ah becomes. widow, be placed In
the position where b must marry for a
Three Fair Debutantes Who
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ALU
vicinity of the canal. Mr. Roosevelt Issued
this order, preserved the peace, saved the
lives of Colombians. Panamans and Amer
icans, and, his critics say, violated Inter
national law and American traditions. The
ablest authorities on international law are
divided in opinion on that question. Per
sonally, I believe that he did not violate
International law, and that he la sustained
by the spirit of American traditions. But
I am also of opinion that, whether ho
aoted in accordance with traditions, na
tional or International, did not greatly con
cern hlra then and does not greatly concern
him now. It concerned him only to reach
tho Important resulta In accordance with
fundamental principles And it was a fun
damental ethical principle that this nation
had a right to thoose the safest, securest
and most peaceable method of fulfilling
Its obligations to the other nations, with
out regard to past traditions, formed under
very different conditions.
Measures Men by Character.
With this habit of going to the heart of
events I the habit of going to the heart
of men. Mr. Roosevelt measures men by
their character, and their character by
Its essentials. That he does not measure
men by their clothes, or their wealth, or
their family, or even by their culture. Is
living, th contract we have proposed la
necessary.
The Child Considered. ,
Tha next person to be considered Is the
child, whom we wilt suppose to be '1 year
old. The father will admit that the child
ought te be secured. In the event of hi
dying while It remain a child, a small In
comeenough te secure education and
maintenance until the age of 21. Thia In
come ahould certainly not be lea than ttO a
month, or SM0 a year, and a life Insurance
company eould be found which. would as
sume thl obligation for a payment of SSI
per year far fifteen yeara
Upon tha birth ef a aecond child the earn
prtctln beoomea a necessity for It also,
and for this a life Insurance company
would charge $33 per annum, th father
being then assumed to be 81. On the birth
of a third child the seme need would arise
for It. and would call for an annual pay
ment from that time ea of (U for fifteen
year.
Thus far w have dealt only with the
grim side of the problem, but there re
main the ckeerful probability that th
young man' life will run It natural coursa
Th ohanres are two to one that he will
Hve to become a sexagenarian. Looking
forward to that far-off probability, the
young man reasonably feels that 60 la the
ultima thule of active Ufa thit at that
point mnsi begin his time of permanent
leisure. Thia can be made certain enly by
his providing for It during the Intermediate
years, beginning at once. It will most
likely seem to the young man that he can
live In comfort sfter hi working day are
over on sn Income of half hi present
salary an Income, that Is to say, of tl"M
per month, or 11.600 a year and that this
would Include an adequate support for hi
wife. If ah should also survive to the
same sge. A part of this Income, say. 1200,
could be secured from a life Insurance cora-
pany. by continuing the annual payments
Of S$9 set free th three children reach
th age of II. but for the remaining 1 Vn)
of future tneome he must begin to provide
at onoo. and far thl the company would
require an annual payment, beginning at
th age of SO. of tx.
Now Consider tho Coat.
Five contract In all. a will be seen, r
called for In thl sketch of what la needful,
three of them te begin st once, the fourth
after on year, and tho fifth and last after
three year. The three which arc to begin
at no weuld require an entire annual pay
ment of 1174: the fourth contract, to begin
after one year, would bring the total an
nual payment needed to $507, and tha final
contract to be entered Into three year
hence, would brlr.g the total annual pay
ment from that time on to IM1.
These five contract together would guar
antee what Is needful In the rase of the
main contingencies of life and death. There
Is, however, one chance which they do not
provide against and this Is th possibility
thst th health of the breadwinner and hi
capacity for making an Income may breek
down permanently, end yet that he may
Hve on a considerable time after, Thl
frightful disaster happen very seldom: for,
as rule, and happily so, a man dies
within a year after hi halth ha per
manently given way. It Is a defect In th
practice of Insurance In this country that
as yet this particular contingency Is not In
sured sgalnat the opeclal difficulties In the
way ef assuming this risk could undoubt
edly be gat over If the attempt were made
In earnest.
The second question we wer t tak up
In. Why th typical yeung man doe not
want, and cannot b mad to want th
precis thing In the way of protection
which we have outlined a a being the real
need of th caaa That ho doe not want
Make their Entrance Into Omaha Society This Season
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MISJ PAULINE SCHENCK.
not remarkable; there are a great many
Americans who do not. What Is remark
able is his disregard of the superficial vlcea,
and bis hatred of those that are essential.
Roughness of language and demeanor does
not repel him; for faults into which a
man Is hurried by some sudden temptation
he ha great charity; but meanness, greed,
disloyalty and false pretense he abhors
with a vigorous abhorrenoe. And to take
an office "under pretense of serving the
country and use the ofllce for the purpose
of robbing the country Is In hi thought
tho meanest kind of disloyalty.. For that
he haa no tolerance. Hla affection for the
Rough Rider and hi hatred for the of
ficial peculator are different aspects of the
same characteristic a habit of Judging men
by their essential elements. It is this his
standard of judgment that makes him the
most democratic of men.
Both Idealist aud Opportunist.
This habit, of judging - both men and
things by the realities of life makes him
Impatient of the doctrinaire. The French
man would rub off the slate all that tho
past has written on It, and then begin
anew a national characteristic, possibly
born of the French revolution, certainly
Illustrated by It The Anglo-Saxon Is by
temperament ao evolutionist. He take life
what ho need Is certain. It would be a
aafe even bet that not on young man In
the whole country will walk Into a Uf In
surance office with thl number of the la
dependent In his hand, and ask th com
pany to ell blm the kind of protection
here set forth. The causes of this failure
of a man's wants to match hla needs are
two the' first being a thoroughly human
and natural trait and the second being a
trait not so wholesome. The young man
doc not really feel It to be possible that h
may die; and this Is well It Is In th order
of nature that the healthy human being
hould Ignore hi mortality. It aeeras to be
the Intent of nature that the casualty of
death should not be an eoonemio disaster;
that the manhood of the oatlon at largt
should In same collective fashion, and as a
matter ef course, take care of the widows
and the orphans. Such an arrangement
would be the simplest and healthiest all
around; but In Its default the Indlfferenoe
to the possibility of death which Is In
stinctive with tha healthy animal, man,
does work disaster, which it Is the business
of the life Insurano man to the best of hi
ablUty t teres U 11.
Beware of Illusions.
The other trait which would moke It im
possible to induce the typloal young man
with a good Income te buy precisely the
right kind of protection for his family, la
that UDa euutr nan ha the commercial
habit ef mind. Tha Oi.c motive which sug
gests Itself to htm as sensible la the deair
for profit; and th on Image which haa
an alluring look 1 that of himself on some
future day handling a sum of money well
up In the thousands. Thl Is the Image
which th life Insurance man must hang in
th air, If be Is to make the young man
want nearly what be need.
Thua w reach the answer to th third
part of th problem, The keynote I "In
L vestment" and th agent mud know how
to us It and to make vivid the picture It
calls up, adding, tn casual touches put in
at the light moment the part of the wife
and children. Moreover, the golden picture
must be shown not down too long a vista
of year thre decades Is too far a remove
to appeal to the ardent coinmerclallat; no
period longer than a score of year can
touch him.
Certainly not more than one-sixth of th
young man' Incom can the agent divert
into th "Investment" he Is urging -charm
ho never so wisely. Wlutt now, ha the
agent to offer for this J&jO a year, and bow
doe It compare with th Ideal protection,
which, aa we have seen, would cost 641 a
year?
Cholc may be mad among three stand
ard offers, which w will call A, U and C;
each offer promise that If th young man
die within twenty year a fixed aura will
be paid to the family, add that If he Uvea
ut the twenty year a euro will be paid te
himself, the minimum of which ia fixed.
The range of tbeae several promise la a
follow. In round numbora:
Offer A To the family 130,000; or to eelf.
minimum of K.uuO.
Offer B To ti e family $15,000; or to olf,
minimum of tx.OuO.
Offar C To tho family $10,000; or to aelf.
minimum of $10,000.
The Insurance company reckons the three
offers as of Identical value a decrease of
th promise to the family being offset by a
mathematically equivalent Increase of the
promise to the Insured; but, of course, they
do not appeal alike to our young -man. If
his conscience get to work It will point
hi in to A, while hi business mind will draw
him to C; and w may a well easuaa that
he likes II, which, in fact represents th
average choice.
Having accepted th offer and paid hi
fliat $ioo, b la now aur that If h die be-
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MISS MART
today aa he finds It and., on step at a time,
proceeds to a better tomorrow. Mr. Roose
velt is temperamentally an Anglo-Saxon.
He Is both an idealist and an opportunist
an idealist in his ends, an opportunist In
his methods. He has little respect for the
reformer who disregard the facts of life
and expects to reform the world by a reso
lution. But he haa less for the mail who
has no ambition to leave tho world better
than be finds it How to adjust Idealism
and opportunism, how to live for a future
Ideal but in the actual present how to
face the facta as they are and not lose tho
ambition to make them better. Is a per
petually shifting problem which no man
can perfectly solve. Mr. Roosevelt Is bo
rated, on the one hand, by the practical
politician for not being practical, and, ion
the other hand, by the reformer and by
the scholar In hla closet for sacrificing
ideals to practical politics; these neutral
izing orltlcisms of hi course afford an In
dication that be Is at least endeavoring to
find the middle path of practical efficiency,
whether he always walks In It or not
Indomitable Energy,
Hli Indomitable energy and hi courage
have given hlra. In certain quarters, th
reputation of having a combative tempera
ment and being a lover of war, and have
fore he 1 SO th sum of $15,000 will be paid
down at once to hi wife. If, she Is then liv
ing, or If not to whomsoever he may have
appointed to take care of his orphan chil
dren. But now, the securing to the widow
of a lump sura, however large, does not
really meet her need for a life tneome; for
It ia practically certain that alio will aot
on tha advice of some man tn the Invest
ment of tha money, and an advance guar
anty. Is needed f the honesty and good
Judgment of this unknown man. In order to
make the promise of a single payment a
aafe as the promise ef an Income. If th
yeung man Insuring la wis on behalf of
hla wife he will think of this, and will bind
the Insurance company not to pay down the
$15,000, but to dole It out to the widow In
fixed annual payments, and this th com
pany will agree to do, and to add I per
cent Interest sach year to the sum In hand
Under this agreement the widow would re
ceive In lieu ef the $16,000 a yearly Income
of $750 throughout her lifetime; and, If ah
survived her husband less than twenty-five
yeara than th $750 a year would continue
to be paid to the survivors ef the family
until twenty-five years had gene by from
the death of tho Insured.
Ideal Protection.
How does this provision for tne widow
compare with that called for by the Ideal
protection first sketched? Until all the
children are of age th Ideal protection
does much more than thia Insurance B; for,
as against the $750 Income furnished by B,
the ideal protection gives. If three minor
children are Irving, $1,440 a year; If two
minor children are living $1,200 a year, and
as long aa one minor child la living $UA0 a
year. After ail the children are of age the
Ideal protection gives the widow $720 a year,
substantially the same a the $760 given by
B. Averaging these varlou status, w
may' aay that B doe about 70 per cent aa
much for th widow as the Ideal protection
would do.
But let us suppose that the young man
Insuring at 80 lives to be 60 and the chances
of this are four to one and that he now
res the golden promise made to himself
become reality. The promise was that h
should receive a sum of money, at least
$8,000, and very likely a much as $12,000.
The excess over the guaranty was called
"profit," and the uncertainty as to Its flgur
gave just that tinge of gambling to ' th
transaction which 1 o attraotlv to human
natura
It 1 next to a certainty that our friend,
now 60 years old, has the opening for his
$12,000 already decided upon before he
"touches' the money. Let us allow that
bis Investment Is a good one, and pays I
per cent annually; theu our friend has
a year at his disposal outside of his salary,
and, supposing he continues to live on $2,500
a year, there will be In all $1,100 a year
which he could. If he chose, pay to a life
insurance company. The omniscient agent
baa reckoned this out even before our
friend and has fixed upon the offer to be
made. Tills time it must clearly uppear a
Investment, and therefore must be of the
form C; the vista of years Is shorter, too,
and cannot be stretched beyond ten. For
ths $1,100 a year, the offer Is a promise of
$10,000 to the widow or estate If our friend
dies before he I 60, with a promise of a
um, th minimum of which Is $10,0i0, and
the likely amount of which 1 not lee than
$12,00. to be paid to our friend If he live
to be CO.
It Looks Good.
The rrotectioa of the possible widow
during these ten year, from 10 to 60, la po
tentially much greater than that whloh th
Ideal schem would ha.se giu her; for, aa
LEE M'SIIANEL
made some men, who have not studied hi
character, unable to understand how Mr.
John Hay could characterize him as a
lover and maker of peace. Mr. Roosevelt
has the temperament which leads him to
enjoy overcoming obstacles. An easy life
would be no Joy to him. In 1200 he would
have been a crusader, In 1700 a colonist
in .1S00 a pioneer. With hlra, to sec danger
and difficulty Is to covet the privilege of
facing the one and endeavoring to over
come the other. He could not easily re
main a passive spectator of a righteous
war. ' He believe In the Biblical aphorism,
"First pure, than peaceable;" and as long
a tha Impurity exists he Is eager to make
war against It But ha lovea not fighting
for the fighting' sake. I should say It 1
equally true that he doe not love peace
for peace's sake. He is a lover of life.
And aa long as there la a country to be
aved, a humanity to be helped, a truth
to be taught a life to b enlarged and en
riched, and obstacles to be overcome In
the world' work, so long he will bes seen
somewhere In the front, if not aa leader
then as a follower, If not as a master
builder than aa a brlok carrier, ambitious
only, certainly chiefly, for an opportunity
to do the hardest work, confront the great
est difficulty, and bo wherever ther la th
greatest danger.
against the life Income of $720 under the
Ideal scheme, the $12,000 left by the hus
band, plus tb $10,000 Insurano, would buy
th widow a life Income ranging from $1,200
to $1,700. The children, now grown up, do
not enter Into the oase In thl comparison
of the two schemes.
Le us take It however, that our friend I
living at the age ef 60 and haa In hand th
entire $24,60 with which to provide future
upport for himself and hi wife. He can
turn thia sum over to a lire Inauranoe com
pany, whloh will la return pay him an la
come of $1,100 a year for hla lifetime, and.
If hla wife is living at hi death, pay her
an Income of $900 a year for the remainder
ef her lifetime. This, it will be seen, doe
better for th wife than the "ideal" echeme,
and a little better for the man himself.
For the sake of simplicity in calculating
we' have assumed In this sketch what
weuld not be usual that a young man ef
so much ability a te be receiving a salary
of $3,000 a year at 30, stays at that figure
throughout his working yeara The prob
ability, ef course. Is that such a man would
be reoelvlng a higher salary In middle life,
but this does not disturb the accuracy el
our conclusions; for, as the man's lnoomc
rises, so will rise his standard of minimum
thinkable comfert for himself and hla wife,
and the same proportion of the income will
be called for In order to provide for the
need felt
To sum up: W find that, for an outlay
of one-sixth of a good Income life Insurance
oan furnish a fair approximation to that
protection which Is aotually needed against
the chances of death and of old age. The
provision thus furnished Is defective in the
earlier years, and relatively excessive in
the latur years; but It is attractive in form,
and this last Is essential. In world et
econd best we shall hardly find a closer
solution than thl to any problem, of human
practice.
Obeyed His Chiefs Order
A smart young officer belonging to a
oavalry corps In India was sent on sick
leave to a convalescent station of Simla
and, while recovering his health among th
hill ther waa robbed of his heart and in
return captivated the charming thief. The
young fellow proposed and was accepted
and with all possible dispatch the wedding
day was fixed. But the celonel f th ex
pectant bridegroom' regiment was strongly
opposed to the lieutenant marrying and
telegraphed an unwelcome "Join at ones"
to the amorous sub.
Th chagrined soldier handed the peremp
tory message to hla fair one. She glanced
at it and then, with a becoming bluab of
weet plmpllclty, remarked: ,
"I am more than glad, deaf, that your
colonel ao approve of your choice, but
what a hurry he ia In for the wedding. I
don't think I can be reiuly quite so soon,
but I'll try, for, of course, tlte colonel
muat be obeyed."
"But you don't seem to understand the
telegram, sweetheart," said the lieutenant.
"It upsets every plan we have made. Vou
see, he ays, 'Join at once.' " ,
"Certainly he does, di-ar," replied the
lady, looking up with an arch smile, "but
It ia you who don't seem to understand It.
When the colonel says, 'Join at once,'
what dues he mean but get married Im
mediately? What else, Indeed, cuu ho oa
albly mean?"
"What else, Indeed, darling?" delightedly
exclaimed the ardent lover, rejoicing In the
new reading, which he received with the
utmost alacrity. So forty-lght hours had
scarcely pasted befors the colonel received
th following: "Tour orders have been tar
ried out, W war joined at one.'
Men Who
Are
Popular
Caaael' Goods.
f NCB upon a time, relate Llpplnv
J 1 cott s MagMlne, the bite Quy
I r j Wetmor Caryl sold a story to a
V,'yJ publisher of magnxlnea . After
m tm'Jf several months had gone by -ho
recrtved a proof of th story and a not
from the publisher. The latter waa to th
effect that, although the story had been
bought It was hardly what tho magaalno
wanted, . and that ho would be greatly
obliged to Mr. Caryl If that rentleinaa
would sell th story elsewhere and send
him the check.
The publisher In queatlon own a nvmbcf
of grocery stores, and Caryl waa somewhat
of a wag. Therefore, his opportunity for
obtaining the revenge that he felt waa duo
lay right at bis hand. Buying a large can
of tomatoes, he removed part of th con
tents, sen led the can up again and mailed
It to the offending publisher, with thl
note:
"Dear Sir: The enclosed can of tomatoes
was purchased by m from one of your
tore. Although th purchase was mad
In good faith, I find that a change of policy
compels me to return the goods to you and
ask yoti to dispose of them elsewhere, r
mining to me the 10 oents that they should
bring when you collect Th fact that 1 '
am returning th oan doe not necessarily
Indicate lack of merit as many faotors en
ter Into the selection of material for filling
a modurn stomach, and what does not suit
m may be exactly what someone else I.
looking for."
The Limit of Familiarity.
Joseph Jefferson says that during hi long
tag career he was never associated with
anyone showing undue familiarity except
one Individual named Bagley, hi property
man for several seasons. Th man waa
valuable In hi way, and o Mr. Jefferson
tolerated hla disagreeable manner until
Bagley overstepped all bounds on night la
Baltimore. The property man got very
drunk that afternoon and tn the evening
paid hi way Into a gallery seat Mr. Jef
ferson waa playing "Rip Van Winkle." Th
angry Oretchen had just driven poor, dee
titute Rip from the cottage, when Rip
turns, and, with a world of pathos, askal
"Den I haf no Interest in der house?" Tha
theater waa deathly still, tha audience half
In tears, when Bagley's cracked voice wag
heard In response: "Only 10 per cent, Joe,
old boy; only 80 per cent" ' Ho wag
promptly ejected from the theater and loot
hi Job on th spot
One of the "Noble Six Hodrd."
Thomas Yates of Toledo, O.. believed to
be the sole survivor on this side of the At
lantic of the "noble six hundred" who mad
the famous charge at th battl of Bala
klava, October 25, 1854. ha just celebrated
the fiftieth anniversary of that: event Im
mortalized by Tennyson la hi "Charge of
the Light Brigade." Mr. Yates, though at
yeara of age, works every day, and show
In many other respect th clear grit of th
men who rod "into the jaw f death" oa
that famous and fatal day,
Birth ef the Repobllraa Parry.
B. W. Judd, now a resident ef Everett,
Waah.,' clalma that it was In ha parlor;
near Rlpon, Wla., that the formation of tha
republican party waa decided upon. Mr.
Judd I now a prohibitionist. In 1854 ha waa
a free soller. The question cam np that
year of hew to rid Wisconsin of th men
In power. A preliminary meeting waa held
In a achoolhoune, but Judd' support a a
leading free soller was desired. He waa vis
ited by a committee and signed th call for
a convention. The movement waa outlined
In hi parlor. Th oall declared against th
further eatcnclon ef slavery. It was pub
lished In antlslavery papers and In th
New York;' Tribune. In answer to Horaoe
Oreeley's query a lo th nam ef the new
organisation one of the leader dubbed It
th republican party.
dv
Oerentn in Action.
The monotony of the quiet life whloh Oe
ronlmo, th Apache chief, haa lead at tha
Wnrld'a fair waa varied a few days before
hTs start for home with a tinge of tha
strenuous life of his youth. He participated
In a wild west show. Oeronlmo was tha
guest ef the proprietor, and put In hi ap
pearance dreased In th full regalia of tha
days of hi former greatness.
Th old man wat given a good horse and
lasso, and a steer waa turned loose In th
arena, and Oeronlmo waa Void to rope and
t It Starting hi hers at full gallop, tha
chase began. After circling around, th
old chieftain whirled th lasso and mad
th throw. Th rope settled around tha
steer' neck at th first attempt In aa ln
stant th roper was off his horse, and with
all tha eunnlng of his youth proceeded to
tie the snlmal fast and sound, accomplish
Ing th feat In a very short ttma Th -
hlbltlon clearly demonstrated th fact that
In spit of hla 71 year h still possessed
th strength and agility of youth.
-
Could Hot Hide His Identity.
On one of Mark Twain's later trip dowsi
th Mississippi h traveled Incognito In or
der to gather material for om book he had
In hand. Instinctively he sidled up to the
pilot house and essayed the role of green
horn. The man at the wheel loaded him np
with a splendid Una of rlvor badinage with
which Mark waa familiar In the old day,
the author doing hi best to store It away
for future us. Just aa he had dcolded to
move away tn order to dictate an outline
to hi stenographer the pilot said abruptlyi
"Here, Mr. Clemens, you take the wheel
and lie awhile. You're handler at It than I
am. Trying to play yourself for a stranger
and an Innocsnt! Why, I knsw you bofor .
you had spoken seven word and I mud
up my mind to find out What was your lit-,
tie game. It was to draw me out Well,
I let you, didn't I? Now take ths wheel
, and finish th watch, and next time play
fair and you won't have to work your
paasage."
Pleasantries nf ib Pope.
The pope, like his predecessor, ha wit.
Here Is un Instance: M Schneider, one of
the architects employed at the Vatican,
recently found It neceasury to obtain aorne
particular Instructions from Pope Plus X,
and consequently axked for an audience.
Hla holiness readily granted It, and after
he had given the neceasury Instructions
turned to the architect and said: "I'm '
glad you are working here, for 'you ar
una of my relative"
"I related to your holiness?" asked IX,
Schneider, astoiiixhed beyond rneaeui.
"Of course you are," replied the pope
humorously. "My family name, a you
know, is Sarto. Well, Bt.-hnlder and Barto
mean the same thing, nsmcly, a tailor.
Consequently, as we are two taller Wf
mult U related to each other.'
i