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About Omaha daily bee. (Omaha [Neb.]) 187?-1922 | View Entire Issue (May 29, 1910)
TITE OMATTA SUNDAY BEE: MAY 29. into. - ZZ-i ' I J minimize the dang.r of the rapid spread of fire. Build of wood, if you must, but don't, figuratively speaking, Pck straw nil about It and saturate It with kerosene and then wonder why it burns so readily. The Prevention of Fire BT r. W. FITZPATBICK. XT ilrnir tha nrevnntlnn of rjT y "I fire Is supposed to be the work I jFI I I companies and special I ... I police systems. The responsl- bilUy of the Iddlvldual is seldom ' considered. If a man chooses to put up the kind of house that will, in all probability, burn down, he Is allowed to exercise his preference In this. Just as he Is In the color of the paint with which he covers It. The business man, when It comes to buying a lot. has the title examined, and Investigates as to the price of contiguous property, what the increase has been, etc. But when It comes to putting a building on that lot, his caution seems to disap pear. He may be persuaded Into consider able expenditure for ornamental gewgaws and costly ornament, but as to the vitals, the essentials of construction, the building regulations and the Insurance rates are the two controlling Influences, and be yond them he rarely goes. In this he Is generally aided and abetted by his archi tect, who. In seven cases out of ten, for soma inexplicable reason, cares little and knows less about fireproof construction. In Europe there Is a very potent meas ure for preventing fires and for emphasis ing the responsibility resting upon every member of the community in regard to fire-prevention. 1 refer to the "neighbor hood liability" enactment that In those other countries furnishes "such a steady, larger cities, are not very helpful to the Individual, so let us see how much he Is benefited by insurance regulations. It ought to be remembered that the Insurance companies' province Is to fix rates and make contracts, but not to make the risks fireproof nor to prevent or protect against fire, Just for the simple reason that neither tho prevention of fire nor protection againttt fire is their business or in line with It. Insurance can only Indemnify for iocs by fire. The Insurance companies rate and write every risk on Its merits from their viewpoint, and leave fire prevention and fire protection to property owners and the public. To diminish or reduce hazards, so that premium rates might be safely re duced, Is not good insurance practice and would result In injury to tho business. It is no more the duty of a fire insurance company to advocate fire prevention or pay for any part of that work than it Is for a life insurance company to inaugurate or support great movements for tho bet terment of hygienic conditions, or for a marine company to pay for lighthouses, so why should we look to them to tell us how to build properly end to Insist upon our doing so? They simply maintain a gambling house Into which It has been the fashion for us to go and bat as to the de struction of our property. Self-preservation, however, has shown them the neces sity for combatting conf.sgrations, though the individual fire is looked upon as a soit though silent, pressure in the direction of of good advtrtlsement to keep the Individ- care in the construction ana use or build ings." Under this law, every one. is liable to his neighbors for damage caused them by fire that extends beyond bis own prem ises and that is brought about by his own carelessness or neglect. True, In those continental countries the regular Insurance policies include this neighborhood liability risk. Notwithstanding that Insurance, tho law is tremendously beneficial in lis re sults. Its adoption here would be of in calculable advantage to us. It Is only When society makts the Individual re sponsible for preventing fires. Just as it makes blm responsible for keeping the peace, that there la any such thing as systematic flre-pollclng. What little progress we have made in America toward incombustibility In our buildings has been very largely a personal one. It would seem that a sane business man would realise that it was to his own ultimate advantage to build safely, liut uch progress is lamentably slow. Only 7-100 of 1 per cent of our buildings to day are even tentatively fairly well built. It must be recognized that the average Individual will only build as well as he is compelled to. The municipality, duly con stituted authority, wlil have to Insist that Incombustible buildings only must be con structed. It Is quite immaterial to the taxpayers if an individual elects to let bis building be destroyed by fire, but It is of very real Interest to the public that the property of other people shall not be destroyed at the same time. This once comprehended, It is easy to see that the real responsibility rests on the public and not on the individual. We are "forced to realize that there is eminent propriety in the severest kind of legislation for con trolling and preventing contagious dis eases, which may spread from the un clean or Ignorant individual who originates them to the community at large. Just as ual Impressed with the desirability there is of being well Insured. Tho underwriters have written an admirable building code and citlps would do well to adopt It, but In all this I am reminded of the recent activity of many liquor dealers and brew ers in behalf of the temperance reform movement. It is praiseworthy on their part, but calculated to make one smile, nevertheless. Tho Insurance people havo been guilty, though undoubtedly unintentionally, of vir tually getting very high premiums, the highest paid in any land (though still too low upon shoddy construction to make it prohibitive) under false pretenses. In comparatively open districts or in small places where it is most reasonable to ex pect rapid growth, they at first make a remarkably low rate on remarkably poor construction. People are thus encouraged to build shabbily because of that low rate. Such buildings multiply rapidly, and the risk of conflagration becomes more and more imminent. Up go the rates, though those very people had every reason to be lieve, and probably were told, that the rates first made would continue. Later, the city is notified that that particular district Is an extremely bad one, and that more fire app. lances will have to be put In, involving great municipal expenditure. The insurance behests are Immediately complied with, but, nevertheless, the in surance rates over the entire city are raised, and no protest is of avail. The companies stand together, and you pay the rate or go uninsured. Have we any complaint to make? It's business. W are buslneKs men, and yet we submit to this process of shearing and seem to be per fectly content to be the sheep and to keep on growing more wool that we may be sheared again. With regard to Insurance, let us see how it really works. Here is a concrete ex no legislation that alms at the prevention ample. Three years ago a man put up a of contagious diseases is now considered jioo.OOO store building. He didn't think it too grinding and unendurable, so will it ultimately be recognized that no regula tion is too stringent that can do anything toward the prevention of a conflagration, the most contagious and ruinous of mu nicipal Ills. Some states and communities have ex pressed a doubt as to their powers or rights- to regulate building In all its minutiae. It is a police power; and ac cording to the very highest authorities, the police power, together with the power of taxation and of eminent domain, are the three great powers of government. The last two have special regard to the state as an organized entity and are ex ercised lor the benefit of the corpora tion. It is only incidentally that the in dividual is benefited by the exercise 'of either power. Police power, on the con trary, is exercised for the direct benefit of the Individual, and it is only inci dentally tli at the state, as an organized entity, is benefited. It cares for the life. the health, the safety, the morals of the community. Safe and proper building ma terially affects each one of these things. necessary to make It fireproof, because he got a rate of only $1.50 per J 100 on the full value of that building. Outside of repairs, etc., that were not insured against, the to tal cost of that building. Including the in surance premiums for three years, was 1104,500. The building burned a while ago and some of bis friends congratulated him upon receiving virtually the full amount of Insurance. There was soma little salv age in foundations, some brick, etc., but let us assume that he got back the entire $100,000. He didn't get back the premiums. Tbure is a loss of $4,500. It will be five months before he will have gotten Into temporary building, with new Btock and his business going along normally, so that 110,000 is the least he can count upon los ing in profits that he should have made during that time. He counts a still further loss of (2,000 by not being able to make as good purchases as on some of the stock he had. One thousand dollars more goes In the loss records of orders, accounts, etc, The rent of quarters he will occupy while rebuilding will be (3,000 more. Moving into the new building wlil be at least $1,000 . ... . . . . i ana i venture to asserx mai no enaotment more. So that he figures a straight loss iU. p.o.oui.uu U1 arm W1U ever of 21,B00. not to mention losses due to old, De set asme vy me highest court of ap- customers getting away from him and such peais in me iana. incidentals that cannot be well expressed uur rcr cuies are coming to realize ia dollars and cents. He certainly must the necessity of strict building regulations, now realize that he would have been little by IltUe, but in most of the smaller 0,000 better off had he had a fireproof vuwub irouiiiB vuuu as tuey piease ana I building, "" "" " ' village oi nut supposing his building hud not , today is the town of tomorrow and the burned down. He would still have been ( city of a few years hence. Think of the far better off in a fireproof structure. Let heritage of combustible buildings that we us Imagine, for example, that two men put . vu.i.wi,. ,, ,u a year up buildings very similar to his, with the cf great progress, 61 per cent and over of exception that one, Mr. As, is a fireproof , ail the buildings we built In cities and building, while Mr. B's is exactly like our wU. vi peupie, were or wood first example, being the ordloary com w xora juteir, busUble construction. A's cost $110,000 and per cem vi tne ouiiaings were B's $100,000. H has "saved' wooden, though, fortunately, nothing wooden can hereafter bo built In the bor ough of Manhattan. una wouia inniK mat after such a ter rible lesson as the San Franciscans re ceived, they, at least. If $10,000. At the end of five years B's building is deterio rating and costing a little more each year to keep In repair. He has spent $2,000 al ready in repairs, and his Insurance has cost him $7,500 for the five years. A's not the entire building has cost him $000 for repairs, and country, would be so thoroughly weaned he has carried Just enough Insurance to irom ma combustible that great things night be expected of them in the recon struction of their buildings. But the thrall cf the allegedly "cheap" is still uuon ( them. To data, they have expended $111, , 000,000 In rebuilding and repairing. Over 8,000 buildings were destroyed by fire, and they haw rebuilt nearly 13.000, but of that , number only sixty-seven are of "Class A, provide against any contingency of dam age. His premiums will have been $1,000. A's building, at the end of five years, thus costs him $lU,50o, while B's has cost him $lo,MK), but at the end of another year the cost stands at exactly the same figure for both, and A will continue to have a better. sounder snd safer building, while B's is deteriorating at an ever-increasing rate or first-class construction, and there are and may be completely gutted by fire any 10,140 frame buildings, representing an In vestment ot iii.iw.wq In more fuel fur future fires I Baltimore has done but little better In her upbuilding, and Toronto not as well as either. So that, morally con aldered, we may say that the Influence ot great conflagrations la practically wasted. so far as the community is concerned. day, with all the consequent loss ot bus! ness and profits that we have noted in the othor care. A is a conservative busi ness man, while B Is a speculator, and, naturally, believes In gambling witli-the Insurance companies. Renumber tills, one of the great funda mental truths to be considered when you I, ....I.,.. 1. IO . ....... I ""wre, very largely are thinking of buildlug: That in no case Into what tha Intelligent Individual can do will tho Interest on the additional amount for the preservation of his own life and that a first-class fireproof building costs . property-for tha present, at any rate, over and above the initial cost of ordinary The less Intelligent will follow their ex- inflammable construction, be greater than ampla and in dus course of time the com- the yearly premium you will have to pay munlty will naturally drift Into establish- upon the Inarranc. that It will be thought Ing as obligatory what has become a rec- necessary to carry upon that aforesaid In- wuu. ui eousirucuou. it flammable building. So that It should be .ire.., bui lact. nevertheless, that clearly evident to even the least thought """'" ". " aver, go rar be- fm of men that to build otherwise than currwi practice, even current absolutely fireproof Is foolish in the ex- prauiic is oao, ana tna rule has been, treme. . uereioxore, at least, constantly to evade Willi this fact well lu inlnd. what think them where It Is at all possible, General you of a people that not only complacent Individual Construction haa miioh ln.ni.u.i I I.. . ... , . . . ... ' 1 if iKiiHcu us important business in, lives years in iew xora, in Chicago, In in. and worships in tliidcr-boxes. but con .eveimno. ana as a result It la In those tjnues, without the slightest excuse or rea- cities that you will find the best building son, to add combustible houses, combusti- regulatlons now being enacted, and new ble schools, combustible churches and and more stringent ones constantly being combustible business blocks to what at ie any day may bcunie a funeral pyie? The building regulations, ssve Jn the Fortunately lumber will soon become, even In Its initial cost, the most expensive material that can be used in building. You may not have done any building of late, or been interested in the purchase of lumber, so this increase in cost may not have been brought home to you; but, Just for example, go out and try to get a piano box. A few years ago poor people used th se for cool bins; piano boxes wero a glut upon the market, so to speak. Today, you can't get ono for love or money. The deal ers have to send them back to tho fac tories, and tho freight rato is a stiff one. Individual Initiative has given us the 8,000 buildings of more q less flre-rcsistlng' excellence that we have in this country. Wc aro grateful to those 8,000 individuals and companies. In most of their buildings ono or mure details have been forgotten or neglected. Just enough to endanger the contents and to ninko It posslblo that the buildings themselves may be seriously damaged. Witness what happened to the skyscrapers of Baltimore and of San Fran cisco. Yet. in spite of tho fact that the Baltimore ones were pretty badly hurt, they served as a bulwark against the spread of fire toward the residence dis trict. Fire spent its energy upon them, and to their great bulk and comparative exceilenco of construction does that city owe its grutlludt) that it was not entirely destroyed. lu New York and Chicago there are, of course, the most so-called skyscrapers" and of the most correct con struction. Some people, and even some in surance authorities, have expressed solici tude for the welfare of those buildings in fire, and, in fact, have contended that they would add to Its spread, and look upon them as a menace. For my part, in case of a conflagration, I would rather be in a New Y'ork or Chicago skyscraper than nywhere else. The latest ones are ex ceedingly we.l built. For instance, the Singer building in New York is well nigh perfect. It not only is positively safe In Itself and affords the maximum protection to its occupants and contents, but it offers exceptional advantages as a fighting center from which neighboring fires may quickly be extinguished. More than that, the great financial district of New York whose destruction would mean at least temporary chaos to the nation Is protect- d from the spread of fire from uptown by a rampart of skyscrapers. This was pure ly accidental, but a most fortunate chance. r rom tne .cast river to tne Hudson, ap proximately, along Cedar street, there are seventeen huge fireproof buildings, such as the Hudson Terminal, the West Street building, the Trinity building, the City In estment, Singer and other buildings from 150 feet to 350 feet and more In height, that, spite of the alarmists, would not only not be a means of spreading a conflagration, but would effectually stop its progress. There has been in most cities an unnec essary amount of agitation against the skyscraper. Reasons for going up high in the air are many; the value of city prop erty Is a great Incentive thereto. If prop erly bui.t, the skyscraper offers absolutely no element of danger. Individuals and the authorities seem to recognize that the tall building should be superlatively well built and the best of skill is usually employed upon It. In New York great efforts have been made to curb tall buildings, but I doubt If It can ever be done, and, as far as fire is concerned, there Is not the slight est necessity for it. When it comes to hy gienic considerations, the light and air, and the congestion of traffic in the streets, those are matters that deserve thought and speedy controlling action. Years ago the Society of Building Commissioners strongly advocated what even now seems to be the very best thing that could be done, the restriction of buildings to so many stories in height on the street line, then a stepping back from the front so many feet, then the additon of so many stories more, and another step, and on up indefinitely, so that the light and air space of each street would be widening as the buildings ascended, thus doing away with the chasm-like effect produced by a lot of tall buildings built right up on the street line. Architect Krnest Flagg in New . York and Architect D. K. Boyd of Philadelphia have enlarged upon this sug gestion, defined it,' and put it Into appli cable form, and the plan Is at present be ing considered by New York's building code commission. Many cities now limit the height of buildings to nine and ten stories, and In Europe they maintain a still lower limit, but I am confident that It is only a matter of time before height restrictions will be removed everywhere. There will be regulations as to light and air spaces, but the tall building has come to stay. So far It has been the best build ing built, and our effort should be still further to better its construction, rather than to try to legislate against It. Moreover, these tall structures have had a very beneficent Influence upon general construction. They have familiarized our people, to a certain degree, with the salient principles of fire-resistance In buildings. The individual who hasn't thought much bdoui tne matter la, nevertheless, perhaps quite unconsciously, going to Imitate to a certain extent the construction of the tall building in his four or five-story affair, And the Influence is felt all tho way down tho line. People occupy those buildings as ofuces and huve seen Hum in construc tion und they eventually Inquire us to the applicability of those same materia. s for the house they intend building in the suburbs. In the main, millionaires have been the first to see the advantage of fireproof construction and have built their houses in that manner, but examples are mulli plying oi more modest houses similarly constructed. Jn Pittsburg and elsewhere housuof $4,000 and even less havo been built of brick and tile and concrete, with out a particle of wood in their construe. tion. ihe fashion of using merely stucco on wire lath for exterior walls is a step In the right direction for the suburban houBe, and asbestos shingles and such nov elties are coming into favor. And still farther out, on tho farm, you may see here and thero a house and barn and fence posts and bins and troughs of con crote and cement, materials that ure being strongly urged as an admirable and su perior substitute for what has heretofore necessarily Peen of wood. Then, too, are we not on tho very eve of the realization of Wizard Edison's dream or nightmare- of a poured, solid, concrete $l,LHu house in twelve hours? Imagine the delights of bathing in a concrete bathtub, cooking upon a concrete stove, and sleeping upon a concrete bed. 10 sum up, the one remedy above all others that will clear this fire evil out of our economic system, Is to build well Even in a frume house the suaco Lo tween the floor Joists may bs closed oft with boards to eliminate the flue-like fire conduits that those clear spaces produce, aim suuuariy, piaster or broken stone may be packed In at the floor line be tween the studding, to cut off the vertical flues that carry fire from the cellar to the attlo In a minute's time. The usx ot a little common sense on the part of the builder or layman Is all that is needed to LAND WASTE ON WIDE ROADS Thousands of nlnllc Acres Con. verted to I t-lpss I'r-ponrn. In the United Stales, public highways In the states g.ven below may be conser vatively tstiniuted as follows: (Data for Minnesota, Wisconsin and Michigan fur- late authorities.) Miles, M 000 tX).f0 60.0110 70.000 , "0.0H0 50.0") Missouri SO.OOO Illinois .- 0.0 0 Indiana 70,0 0 Ohio 8J.0 0 slshcd by c Minnesota Wisconsin Michigan . Iowa Kansas ... Nebraska Total 700,000 Reducing tho width- of these public high ways, which now average sixty-six feet by thirty feet leaving them still eight feet wider than tHe highways of Prussia would give back to the farmers of those states for cultivation 2,600,000 acres of generally tillable land, which, at an average valua tion of $100 per acre, would mean the restoration to the producing values of the states named of $250,000,000. This sum has an annual interest value of $12,500,000, an amount which with great advantage might be recovered and if applied to the proper scientific construction of roads In the United States would In a few years give us tho most extensve and finest country road system that the world has ever known. , There is enough land, arable and capable of producing crops, In a half dozen of the northern middle states, set aside by law for road purposes and actually wasted, to amount in value lit returned to the farmer), to over $100,000,000; this on the present basis of land values which is calculated accord ing to the annual profits in crops of the land per acre. Wasted does not really express the condition. It is more than wasted, fyr, above all, the generous width of roadways In America Is, In my Judg ment, one of the prime causes of the in tolerable, Indiffetent and primitive condi tion of those highways. I do not know that Germany Is more noted for the excellence of Us roads than any other of several European countries, but It would not be an extravagant state ment to say that I have never seen In Illinois, Iowa or any other western state a country road as good as the poorest to be found here. And while that Is due prin cipally to the sclentiflo building and main tenance of public roads In Europe, it is perhaps likewise attributable In equal de gree to the restriction of their highways to a reasonable and workable width. Here In Germany are roads over which Perhaps a hundred times more traffic passes than over similar roads In America, and which have been used for a thousand or 1,500 years by vast armies from the days of the Roman Empire and the Germanic tribes and nations down to the present, where troops are manoeuvred over them rapidly and in large numbers. These roads range from twenty to thirty feet in. width. while out in Iowa or Minnesota or Ohio where the traffic is comparatively very light, we take land of an average value $100 per acre and cut it up with roadways sixty-six feet in width, practically two thirds of the same being given over to weeds, which furnish an Inexhaustible sup ply of seeds for the adjoining fafm lands forever. National Magazine. Persistent advertising In The Omaha Bee Is the road to Big Returns. in VALUE OF SPACE AND TIME tn Devices that Teach Greatest Pos sible Economy In Home and Shop. ( Time and space are becoming more valu able year after year, and there are indlca tions that 1910 will witness the Introduction of many new devices tending to a greater economy of both than was possible In the past. New York seems full of time-saving de vices already. The hank clerk points to his adding machine, the merchant to the telephone over which more than half of his business Is transacted, the librarian to an elaborate card system that minimizes labor, and the housekeeper shows a score of me chanical devices on her kitchen shelves that make cooking not only a pleasure, but lightning speed affair; a three-minute cake maker, a bread maker which prepares that stable commodity In an equally expe ditious manner, and a tireless cooker that relieves tho housewife of worries attendant upon the cooking of a meal. Her electric Iron never gets cold, and works in half the time that it formerly took when the old style Iron, heated by gas, was used. For traveling, milady has everything condensed form. Face powder on scented leaves, tooth powder and cold cream in tubes, and her hand bag contains minia ture bottles and brushes with a space at the bottom for her kimono. A new concei Is a silver buffer with a complete manicure outfit hidden Inside the hollow handle. A novelty of considerable benefit to 'the literary worker is the "taximeter type writer," which is at the command of the user for the small sum ot a dime. After thirty minutes' work another coin must be deposited In the box, but a proficient type writer can accomplish considerable wor lu half an hour, and In these days, whe space Is also at a premium, It Is, of Giea advantage to be able to keep your typo writer outside of your 8x10 apartment. The fcxlO apartment, by tho way, will benefit by the "disappearing bed," whose value has been successfully demonstrated in Chicago and cities of the far west, I Is not a folding, and not a wall bed but siniulv ditatiDears! According to the de- erlption It glides Into some unoccuple suaco In the next room, to do careiuuy concealed beneath the laundry tubs raised bath room floor. Tho room presents the appearance of an ordlnury silting room, with a handsome writing desk or dresser Tho lower purt pulls out at night, revea lng the "appearing bed," Jn the mornin It disappears Into tho hiding place, whic is ventilated by a new and sanitary process, It Is a bLO.i lo the stuJio apartment dweller. Another space saver is the folding um brella which llu Into the suit case, as does the folding cout hanger. Tho apartment house dweller, where closet room Is limited, stores unused apparel and furnisitinss 1" tho box couches, or In pasteboard boxes hidden by tho handsome fringe bed spread. In the summer furs and heavy clothing aro stored fur the season. New York World. J HOW CHARLES P. MAXDEUSOX, President. I I C. M. WILIIELM, Vice-President. EDWIN T. SWORE, Vice-Pre. and BecreUry, . , J I JOHN' U. RUTH, Treasurer. II. II. BALDRIGE, General Counsel. .J I HAItHY B..JYRXE, Assistant Secretary and Manager Surety Department. . , li I GEORGE W.jWOLFLE, Assistant Secretary and Manager Accident Department, The Strongest MSkl EEC0RD roR 1000 f h Triiti... i f ; 4 i Increase in Premium In. Fidelity and . a. l come Over 3707c. f Casualty &Rftj Increase in -Reserve ff Company of hMSMMikm ver250 ff the West WBijtyffiiit asemAsets U m ver 250 j National Fidelity & Casualty Bldg. jff Accident, Fidelity, Surety Bond, Plate Glass, M Burglary, Etc. $ National if Fidelity & Casualty I Company National Fidelity & Casualty Bldg.( Omaha, Neb. - special opportunities Jm for High Class Agents. Department 'of Justice, Washington. Omaha, Nebraska, October 0, 1000. The National Fidel ity & Casualty Co., Gentlemen I herewith acknowledge receipt of your check in payment of your weekly benefit and doctor's bill incurred in connection with accident heretofore reported. I thank you very much for the prompt payment and liberal allow. ance in connection with this accident claim. Respeclfullv vonm. S. R. RUSH. Omaha, Web, February 11, 1810. XUtlonal Fidelity ft Casualty Co. Oentlemeni We beg to ao- kno w 1 e dge re celpt of your Is or of Feb. a, 1910, en clos lng your loaa Toucher number 110 for 91,304.33 In fnU pay ment of lose claimed by ne under your bond, JTo. Ut71. We take this opportunity of thank ing yon for the prompt and satisfac tory way In which our claim has b.ea handled. Such aerrloes aa you hare rendered us In this case should en courage western, people to insure in your company, for in our opinion the real teat of tha security in such a case is the promptness with whloh tha sure ty company pays a loss under its bonds, FAXTON ft OAX&AOaB OO. Webster. Howard Co. 326 Bee Building Telephone 97o Genera Insurance Agents ..We Solicit a Share of Your Patronage.... OSBTIFZOATB OF FUBUOATXOW OFFICE OF AUDITOR OF STATE OF NEBRASKA, PUBLIC ACUOUJNTH. LINCOLN. Feb. 1st, 1910. IT IS HEREBY CERTIFIED That the Metropolitan Casualty Company of New York In the State of New York, has compiled with the Insurance Law of this State, applicable to such companies and Is therefore authorized to continue the business of Accident, Health and Plate Glass Insurance In this State for the current year ending January 81st, 1911. Summary of Xeport Filed for the Tear Sndinf December 31st, 1909. nrcosca Premiums $714,301.61 All other sources 23.S36.17 Total ...7J9,837.81 BISBUBSXMEITTS . Paid Policy Holders $211,641.72 All other payments 386,284.78 Total $597,926.50 ADMITTED ASSETS I,IABrXlTIE8 Unpdlrl Claims and Expenses $ 86,807 99 Unearned Premiums 808,369.17 All other liabilities 63,326.46 Capital Stock paid up 200,000.00 Surplus beyond Capital Stock and other liabilities 200,659.82 Total $813,663.44 $408,008.62 405.659.82 $813,663.44 Witness my hand and seal of the Auditor of Public Accounts the day and year first above written. SILAS It. BARTON, (Seal) Auditor of Public Accounts. C. E. PIERCE. Deputy. CERTIFICATE OF FTJBUCATXOJT OFFICE OF AUDITOR OF STATE OF NEBRASKA, PUBLIC ACCOUNTS. LINCOLN, Feb. 1st. 1910. . IT IS HEREBY CERTIFIED That the Aetna Indem nity Compnny of Hartford. In the State of Connecticut, has complied with the Insurance Law of this State, appli cable to Buch companies and is therefore authorized to contlne tho business of Fidelity, Surety, Plate Glass and Burglary, Accident and Health Insurance In this State for tho-current year ending January 31st, 1911. Summary of Beport Filed for the Tear Ending- December 31st, 1909. INCOME Premiums $705,639.24 All other sources 94. 217.28 Total $799,856 61 DIBBUBSEMENTS Paid Policy Holders J Jfi2.971.22 All other paymentH 437.18S.65 Total $690,169.77 ADMITTED ASSETS LIABILITIES Unpaid Claims snd Expenses $153'.145.94 Unearned Premiums 2X4, 053. 5X All other liabilities Kill, 031. K4 Capital Slock paid up 250.225.00 Surplus beyond Captal Stock ami other liabilities 85,729.93 Total $879,786.29 643,831.3$ 335.954.93 .$$9,786.29 Witness my hand and the seal of the Auditor ot Public Accounts the day and year first above written. SILAS R. BARTON, (Seal) Auditor of Public Accounts. C. E. PIERCE, Deputy. B Fell &. Pinkerton Co. GENERAL INSURANCE A lelacd Discover . One of Franklin's admiring friends came out to waich him fly his klle during a thunderstorm. "lien," he aid. "I wonder If it wouldn't bo poislblo'by the aid of the electric i:ur icui to hear the crackling of the clouds up yon. lrr ;n your kite sirlim " "Try It," said tho affablo philosopher. Whereupon the curious seeker for know ledce uul his ear lo the striuts and Imme diately had his wiilskers scorched and seven god teeth knocked out by a bolt of lightning. This put back the discovery of the tele phone more than 100 years. Cleveland Plain Dealer. When you watit,ha,t you want when you want It, and want It in a hurry, ad vertise for it In The Bee. Phone Doug. 147 408 First National Dank Building CEBTIFICATB OF PUBLICATION . Slate of Nebraska. Of fl, e of Audi tor of Public Accounts, Lincoln, Feb. 1st, 1910. It Is hereby certified that the Hamburg Bremen I-'lio Insurance Company of Hamburg, In Germany, .has complied with the insurance law of this state, applicable to surh com panies and Is therefore authorized to continue the buxlne?s of Fire Insur ance In this state fur the current year ending January list, 1911. Witness my hand and the seal ot the Auditor of Public Accounts, the day and year first above written. 81 LA 3 R. BAKTO.V. Auditor of Publlo Accounts. C. E. Pierce. Deputy. CEBTIFICATB OF PUBLICATION Stale of Nebraska, Office of Audi tor of Public Accounts, Lincoln, Peb. 1st. 1910. It Is hereby certified that the Reliance Insurance Co., of Phila delphia, In the State of Pennsylvania, has complied with the Insurance law of this state, applicable to such com panies and Is therefore authorized to continue the business of Fire and Tornado Insurance In this state for the current year ending January 31st, 1911. Witness my hand and the seal of the Auditor of Public Accounts, the day and yeur first above written. SILAS R. BARTON. Auditor of Public Accounts, C. E. Pierce. Deputy. CEBTIFICATB OF PUBLICATION Stato of Nebraska, Office of Audi tor of Public Accounts. Lincoln. Feb. 1st, U10. It la hereby certified that the Michigan Commercial Ins. Co., of Lansing, in the State of Michigan, has compiled with the Insurance law of this state, appilcuble to such com panies and Is therefore authorised to continue the business of Fire and Ma rine Insurance In this statu tor the current year ending January 31 at, 1911. .v-'i"'"" my han'1 an'' the Auditor of public Accounts, the duy and year first above written. SILAS It. BARTON. r . Auditor of Public Accounts. C IS. Pierce. Deputy. Mi