PnMlshad trn Saturday by
Tex Auuurca Pcbusihnq Co.
Oor.Utk sad M Ste, Lincoln, Meb.
J. CJM0W.,..
J.aCKnmoir.
, ....Editor
.Business KMfr
, "la the beauty of the lillies
CLriat w born across the sea,
T7i-harrylnhisbcom ;
Tiai traiufjures you and me.
lalM sror to nuke men holy
Let cs strive to make them fret,
Cse God U marching on." -,
Julia Wart Butt'.
"Laurel crown cleave to deserta,
And power to him who power exerts."
A rmily drey of canly blood '
. TLa aaiiej tea octwelsha," X
Kmerton.
"Es who oaanot reason is a I ooL
, E nrho win not reaaon to a coward,
i Ea who dra sot raaaon la a ilave."
Tli3 FciQcra' Alliance,
I PUBLISHED WEEKLY AT -
ccsrn: hth and m streets,
l UrCOLK, KEERASXA.
e::la::ed akd cpecyed.
J. EURROWS. Editor.
J. II. THOMPSON, Business Ma'gr.
Yfll greet our readen this week with Ths
' Aluaxc enlarged to nearly double Its
former slse. We Intend to add to Its value
editorially as much at we have to assise.
We none to be able farther to enlarge It to a
seven column qaarto, and wlU do so a toon
M our patronage justifies Itl -
Tint Alliance one year and
Looking Backward post paid. . . .$1 00
Ditto and Labor and Capital by
' EsllOgg.., M(MMMtMtMII .-..I" 40
Ditto and Ciesar's Column. . . . .... 1 50
" Our Republican ' Mon
archy by Venter Voldo . t ........ 1 40
, The above books for sale at this office
Ditto and Cushlng's Manuel pa
per covers.... 1 80
Cloth covers. ....1 50
or sent post paid as follows;
Looking Backward oOcts,
Caesar's Column. .. '. . j. . .... .50cts.
Labor and Capital. ..;..,.. ,.;..20cts.
Our Republican Monarchy . . . . .25cts.
Cushlng's Manuel paper covers. .25cts.
; " , cloth " ...50cts.
Address,
Axuaxcx Pt'B. Co Lincoln Neb.
A LAW THAT SHOULD BS RE
PEALED. " Section Vi7 of the revised statutes,
pi;e 743," Isas follows:
:3.t7f the lauds and tenements of the
teUvv within the bounty whore' the Judf-
Mentis entered, shall be bound for the sat
taf action thereof, from the first day of the
term at which judgment to rendered; but
Judgments by oomfesslon, and Judgments
. rendered at the same term at which the ac
tion is commenced, shall bind such lands
only "from the dsy on which such judgments
are rendered. All other lands, si well as
goods and chattels of the debtor, shall be
bound from the time they ihall be seized in
execution."
The pernicious effects of this law are
many. -
First, as scon as a judgment is ren
dered or filed in a court of record, it
becomes more powerful than a blanket
mortgage. By the plain, broad terms
of the statute it becomes a lien on
every square inch of real property
owned by the judgment debtor. The
provision of this infamous statute does
not except that most sacred of all
earthly possessions, the burial lot and
homestead. . There is little danger of
the creditor, money loaner or trader
intruding on the burial lot at its pres
ent value. v But with their long and
bony fingers they reach for the sacred
homestead time and time again; v.
Our statutes wisely exempt from levy
and execution by forced sale "a home
stead not exceeding in value $2,000,
consisting of the dwelling in which the
claimant resides and its appurtenances,
and the land on which tha same is sit
uated, not exceeding 160 acresaof land,
to be selected by the owner thereof, and
not in an incorporated city or village,
or instead thereof, at the option of the
' claimant, a quantity of contiguous land
not exceeding two lots within any in-
"" corporated city or village," etc.
t No doubt the intention of the fra
men of that humane and just law was
to exempt the homestead from all man
nor of liens only such as the debtor
should place thereon voluntarily. The
judgment creditor , obtains his judg
ment in a lower court, files his tran
script in the district court, and there it
remains a standing Hen against the
debtor's homestead. He cannot dis
pose of bis homestead or alienate any
part of it by sale or pledging it as se
cority on a loan to help himself out of
financial embarrassment or want until
he first pays off the judgment of rec
ord. Money loauers and traders have
this fearful advantage aud thoroughly
use it. Poor people who have nothing
but their homesteads, often desire to
. obtain loans on them to extricate them
selves from financial difficulty, and
often desire to dispose of them to move
elwwhereand repurchase in our own
state., Adversityillf health, or advan-
' ting years may compel them to change.
Then, at a time when they need their
all, small as it usually is. they find
their judgment debts fastened upon
THE FARMERS'
their homestead, which the exemption
law Intends should be theirs without
any forced liens such as section 477
places upon it
For illustration, take a western
farmer. ; His crops have failed. He is
in debt aa so many western farmers
lire. Better times come after a while,
and he can sell of somettlr and he
desires to get what little U can and
move elsewhere where ha .has more
certainty for a livelihood, the susten
ance of his family and education of his
children., He gets his abstract. There
on the proper blank appears a line of
judgments. The agricultural imple
ment dealers msy have several. The
money loaner, during the hard times,
may have sold his horses and cattle un
der chattel mortgage for but little, and
bid it in himself, and then proceeded
to obtain his judgment.
These judgments are often the only
obstacle to making loans which would
relieve the creditor, or to making sales
of real estate. Often a debtor can sell
small tracts of land, and gradually pay
his indebtedness, if the judgment lien
did not bar the way. He can give no
title on any portion of realty until all
judgment liens are aid. Thus be is
estopped from selling in small pans,
and is at the mercy of the creditor.
Most people can and will pay off all
liens in reasonable time, and in such
amounts as they can raise. , , , ) ;
Although an unjust judgment may be
rendered in au inferior court, It re
mains as a lien upon the realty of the
wronged judgment debtor, even though
he appeals the, same, and effectually
ties up his property as long as he can
be kept In litigation.
This law is wholly in favor or tne
creditor class, and wholly against the
debtor class. Isn't it time there was
some wholesale legislation in favor of
the debtor class.. The voters of Ne
braska from all parties will thank this
legislature If they will wipe from the
statute books this obnoxious ana op
pressive section, and. leave the home
stead free, as the law intended.
BOYD ON PROHIBITION.
Boyd in his inaugural address, makes
an eloquent plea to have the number
of supreme judges increased to five,
and to have their salaries also increased,
aud In the next breath tells how the
people, by a popular vote, forever
settled the question of sumptuary laws.
Perhaps be does not remember that
the people at the same time and in the
same manner said cthat there were
enough supreme court Judges and that
their salaries were high enough; or,
perhaps the people wore only joking,
when they voted this idea down ; or
may be he thinks they will change
their TnlBds. when he asks them to.
Then tain Mr. Boyd may owe the
supreme court a small debt of gratitude
for, placing him in the gubernatorial
chair.
From Mr. Boyd's standpoint the su
preme court has certainly earned some
thing. Did they have some idea of the
important services 'the distinguished
queeu's subject would render them
when they outraged justice by forcing
the legislature to declare bim governor?
There certainly must be strong rea
sons for a man in his right mind to take
a position so ridiculously absurd as did
Mr. Boyd in his message. 4 ;
His position is simply this; .that what
the people veto against on one question
should not be final or settled; and in
the following paragraph says that what
the people voted against on another
question, should be, and is relegated
into the shades of eternal oblivion. He
goes farther, and says the people did
not know what they were doing when
they voted on the supreme judge ques
tion; but were sane and in their right
minds when they defeated prohibition,
Who made" Jim Boyd a reader of the
minds bf the people? " Can the'supreme
court delegate that power to him also?
But ho goes further yet, and says he is
so sure that the people did n it mean to
defeat the supreme court amendment,
that ho wants a constitutional conven
tion called at once. Suppose some one
proposed another constitutional amend
ment orohibitlnc- the licensing of
saloons. Mr. Boyd and his fellow con
spirators never would get over it. The
howl that would go up from their ranks
would astonish the world, and yet how
do the questions differ? They were
both defeated at the polls at the same
time. hat righfchas anyone to resur
rect one and say the other shall be
buried? : Is it not more in harmony
with good government to allow them
to remain where the people have placed
them? . . JC
THE HOGS IN THE PARLOR AGAIN
The B. & M. Journal of January 28
says:
"Uncle Sam will always remember the
year 1881. The year bis jacaass kicked him.
The old man will agree that while it hurt him
a rood deal pbysieauy, ne oonsicierea me
source and did not lay it up against the ani
mat. There never was a uuie in lue niaror
of rhAoountrv when tbeve seemed to be sucl
uniform thick headedness on the part ot the
rpreseniauves oi tae -peopie.
The : above shows the pace of the
Journal exactly. It pretends to repre
gent and espouse the cause of the people
while deriding and insulting them. The
item is a companion piece to the hogs
In the parlor. In tho next campaign
both will be remembered.
ISjTA man la the lobby was heard to
say that Swltzler should have written
the message In Irish, as Boyd evidently
is not very well up in the English language.
ALLIANCE. LINCOLN, NEB., SATURDAY, FEB. 14, 1891.
LABOR AND CAPITAL,
From an article in the Bee of Monday
entitled "the feeling in the legislature,"
we make the following extracts, for the
purpose of commenting upon them:
"If capital does not prosper it
will not stay here; if labor does not
prosper it "cannot rfay here."
"A new country must be developed by
labor and by capital. The farmer furnishes
the labor; the eastern laves tor furnishes the
capital. The country could no more be de
veloped by labor alone than by capital alone.
Tncy are indiepensible to each other.
But If unreasonable are passed oa the
subject the partnershlp)wiU be diatolred, and
the weaker member left to struggle for him
self. Capital will suffer but temporary Incon
venience. It eaa close out its mortgages and
go where it will be sure of a warmer welcome.
But the farmer would suffer a calamity by
this operation. He would sacrlfloe bis home
and his prospects, and be a wanderer on the
face of the earth."
The first notable thins; about the
above Is that it is a threat against the
farmer in the interest of the money
lender by a paper which gained its foot
bold by the support of the farmers.
The writer says "a new country must
be developed by labor and by capital.'
He means money, and when ha refers to
the "eastern investor" he means the
money lender. Now money is only one
of a tnousand forms of capital. Capital
Is created by labor. The partnership
alluded to, as far as it means two sep
arate and distinct factors, is factitious
and unnecessary. The eastern money
is not necessary to -fs pioneer, and if
there had never been a dollar loaned
west of the great river that region would
now be the happiest, most independent
and wealthiest place on the globe. It
is not true in any sense that the country-could
not be developed by labor
alone. Place a colony of one hundred
persons of diverse pursuits on a fertile
island without a dollar of money what
the Bee calls capital and they can
make an earthly paradise of it without
ever paying a cent of interest.
On the other hand capital in any form
is absolutely helpless and worthless
without labor. If the editor of the Bee
had a mountain of gold at his door not
an ounce of bread or an article of rai
ment would it bring him or anyone un
til labor had transmuted it into some
useful form.
The formula of the Bee must be
changed, thus: "The farmer furnishes
the labor and creates the capital; the
eastern Investor, by au unjust system of
law, controls the latter, and by induc
ing the former to borrow it then
through the agency of interest controls
his labor." V
."JJBsM Unreasonable laws &rs passed
ttlA lrmnltT mtmhtr will IlA left' 1ft
truggle for himself." That is to say,
if any obstruction is placed In the way
of the usurers of this state' carrying on
their ruthless robbery of "the weaker
party,' they will proceed to destroy
half the farmers of this state and make
them "wanderers on the face of tho
earth."
Don't be frightened by this inhuman
threat. There is nothing in it. Money
is the most timid thing on the earth. It
flees when, no man pursueth. - Pass a
good usury law that will enforce itself,'
and there will be no danger whatever
that money can not be had for good
security. ' . j
But debt is slavery. To the men who
are hopelessly involved additional bor
rowing at high rates will not bring re
lief. When a debtor begins to struggle
and borrow at high rates to save prop
erty from the sheriff, like the man in the
quicksand, he sinks deeper at every
move. Liquidation is the only relief
from debi. It is the cursed system of
finance that forces people into debt,
that forces the credit system upon the
country, and that has been bolstered up
and supported by the very men who are
now threatening to make .the farmers of
this state wanderers upon the face of
the earth, that must be attacked aud
destroyed.
SALARIES PAID.
We draw attention below to the sala
ries paid by the slate during the past two
years, and we insist on behalf of the dis
tressed people in the Avestern half of
this state that they are much too high,
and the number ot employes are in
excess of what economy requires.
GOVERNOR.
Private secretary.... $1, 700-2 yrs-3,400
COM'K OF LABOR.
Deputy ; ,f,80G 1
3,000
Clerk .1,000 '
2,000
SECRETARY OF STATE.
Deputy. ......1,700 '
Book-keeper.,..... ..1,300
Recorder. ... . : . : , . . , . .1,200
Clerk...... ..,.1,000 '
AUDITOR.
3,400
2.600
2,400
2,000
Deputy .
Deputy Ins...
1,700 '
......1,700 '
1,300 '
3,400
8,400
2,600
2,000
2,400
2,000
2,400
3,400
2,800
2,000
3,400
Book-keeper.....
Ins. Clerk;....:.
Bond Clerk..... I
Recorder........
Bank Clerk......
..1,000 '
..1,200 "
..1,000 "
..1,200 "
TREASURER.
Deputy .........1,700 "
Book-keeper...,. 1,400 "
Clerk., ..1,000 "
s?t ATTORJiKY-OEKERAL.
Deputy. ..1,700 "
Stenographer. ... .... .1,200 "
COMMISSIONER VVBLIC LANDS
BUILDINGS.
Deputy . 1,700 "
Chlet Clerk.... ...... ...1,300 "
Two Book-keepers. .. .2.600 .. -
Five Clerks.... 5,000 V,
Clerk Draftsman...... 1,200 "
2,400
AND
3.400
2,600
5,200
10,000
2,4tOM
STATB LIBUAET.
Deputy Librarian 1,700 " 3,400
Clerk 1,000 " 2,00
noH!TAL FOB 1XSAXE IISCOLX.
Superintendent....... 2,500 " 5,000
First Asst,. .......... 1.500 " 3,000
Second Ass't .1,200 " 2,400
KOKFOLK.
Superintendent....... 2,500 " . 5.000
Assistant............. 1,500 " 3,000
HASTINGS.
Superintendent....... 2,500 " ' 5.W0
Assistant 1,500 " 3,000
INDUSTRIAL SCHOOL.
Superintendent....... 2.000 " 4,000
Assistant 1,200 " 2,400
Six Teachers......:... 4,800 " 9,600
Clerk........... 800 " 1.600
Chaplain.... 800 1,600
Matron... 600 " 1,200
Asst teacher for girls.. 500 " 1,000
ISST1TCTE OB TUB BS.I5D. ;
Officers and teachers.. 5,200 " 10,400
-i? - DEAF AND Dl'MB. - r '
Superintendent 2,000 " 4,000
Teachers, etc ...10,000 " 20,000
HOME FOB FRIENDLESS.
Officers 2,000 . " 4,000
rXDLBTBIAL HOKE.
Officers and physician. 1,500 " 3,000
SOLDIERS AKD SAILORS1 HOME.
Commandant. 1,500 " 3,000
Adjutant . . , ..... ..... 600 V 1,200
Quarter Master. ...... 420 - " 840
Surgeon....... 600 " 1,200
Matron 300 " 600
INSTITUTE FEEBLE MINDED.
Superintendent ...2,000 ' 4,000
Matron...!;.......... 800 " .1.600
Steward 1,200 " 2,400
Four teachers...... . .. 2.400 " 4.800
STATE BOARD TRANSPORTATION.
Three Secretaries. . . . .6,000 " 12,000
Stenographer......... 1,500 " 8,000
FISH COMMISSION.
Superintendent. ..... .1,200 " 2.400
The above does not by any means in
elude all. This state is paying over
$150,000 per year for salaries; the
amount ought to bo cut down from
925,000 to $40,000 per annum. Eight
hundred dollars, $000 and $1,000 per
year, will procure efficient clerks to fill
many if not all these places in these
times, and then if the heads of the de
partments would give the public some
consideration for the salaries they draw
a great saving can be made for the state.
THE PRETENDED CENSURE
MR. SHRADER.
OF
The petition sent to Church Howej
which by implication censured Messrs.
Shrader, Lomax and Stevens, was a
fraud, c and the signatures to it were
procured by misrepresentation. We
iave before us a declaration of confi
dence as follows: :
"We. the undersigned, hearlily en
dorse the course of our representatives,
Shrader, Lomax and btevens, in tne
legislature, and condemn the petition
censuring them as unjust and untrue;
and as a majority signed it believing it
to be only a petition for relief, as its
circulators represented, we think it
only right and just that tho true senti
ments ol tne citizens be made Known.
The above 'bears the signatures of
upwards of two hundred citizens of Mr.
Shrader's district, of all parties, a large
number of whom had iguorantly signed
the former petitions.
With all who know the gentleman re
ferred to this vindication was needless.
.The Alliance Relief Fund. , ,
The following amounts have been con
tributed for the relief of the drouth
stricken region of the state:
Previously reported ..$634 75
Wm Quick, Emerald, for Emer
ald Alliance. 1 00
M. M, Fenderson, Brainard, for
Center Alliance, No. 827. . . . . 10 00
Jas. Widgery, Elkhorn. 25 00
W. S. Eis, Douglas, for Pleasant
Prairie Alliance No. 818...... 30 00
W. H. Rawlins, sec. Archer Alll- ,
ance No. 882..... 2 25
Box groceries from W. R. Bon
net & Co., Omaha
Alliance No, 911, Dodge Co, Mrs.
Fannie Jones, Sec.
Danniel Jones. I..... 20 00
Ann Jones.......... 10 00
John Yester.. 5 00
G. B. Street......
Warren Hannah. .
M. Street........
John Eckwate....
1
00
1
1
1
1
00
00
00
00
00
00
00
50
00
Henry Hughes.
Peter Eckwate 1
John Adams. 1
Sam Street 1
Martha Street...
Ridgely Alliance, proceeds of
entertainment. 12
Totul ....$55 50
Total receipts. ......... s-. . ; . .$758 50
DISBURSEMENTS.
State Alliance to Red Willow Co.$100 00
State Alliance to Che venne Co 100 00
Mrs. E. J. Cooley for Chase Co... 64 00
L. P. Endeman, Wood Lake.....
5 00
H.M. Coulter, Midway, Chey
enne Co...............-.....
10 00
4 00
C. A.McCombs. Sidney......;,
J. K, Stevens, Hershey, for Lin
coln Co.;...
J, FvBlack for Red Willow Co..
75
D. H. Ware, Imperial, for Chase
CO ........... y
A. J. Dickerson, Pacific Jc, la.,
family destitute (member from ;
Custer Co......
Alonzo Pettis Max for Dundy Co
Jos. Griffin, Woodburn. ........
Wra.M. Bruce, Harrisburg. . . . .
Chas. W. Parker, Gandy...i....
Box groceries from W. R. Ben
net & Co.. Omaha, to Wm.Mc-'
Cormick, North Platte, for
Blaine Co..,.
20,00
20 00
20 00
25 00
15 00
Total disbursements. ...... . . .$658 00
Balance on hand, $100.45. .
t3T Mr. Boyd recommended the call
ing of a constitutional convention. Such
a convention would be very apt to ad
just the relations between the legisla
tive and judicial branches so they
would not be misapprehended in the
future.
G0YD SHOULD HAVE ONE!!!
Mrs. Vanderbilt's Crown.
Mrs. Vaaderblit's crown has been the talk
of the town and the clubs ever since the night
last week when she appeared In it at the
opera. It is not a Uara, but a genuine crown.
made in Imitation of one worn by old Mrs.
Guelph when she opens parliament. It is
made of diamonds and pearls and stands
some feet la the air. It made probably the
sensation of the season at Its first appearance.
A bum west round the opera house as the
American queen entered her box with the In
signiaof her royalty upon her head, and be
tween the acts the foyer was crowded with
men dlscuaeiag lte probable cost and trying
to discover some reasonable excuse for an
American woman to so bedeck herself. It is
now apprehended that Mrs. Aitor will soon
carry a scepter and Mrs. Whitney will appear
in a court train lined with ermine. Mrs.
Seward Webb aad Mrs. Ogden Mills also have
crowns, such as they are, but it is the gener
ally reoeired opnion that they make a poor
showing beside Mrs. Vanderbilt's. Gorgeous
aa this lady's oeeply diadem is., I could, sug
gest an Improvement. If she would but have
cunningly inserted among its costly gems in
letters of flashing Jewels that eloquent and
pleasiu Taaderbllt motto, "The Public Be
D I think the efect would be more
chaste aad elegant New York Cor. Chicago
Times, Jan. 31, 18BL
, Let an appropriation be made at once
to buy Mr. Boyd a crown.
He represents the Yanderbilt class; it
is idle any longer to say that classdoes
not mean to have real crowns. Crotrns
art representative ensignia, and the fact
that such aa insult to the American peo
ple could pass without exciting a re
mark, or the wearer could venture Into
a large and popular American audience
and not be mobbed, showed that that
class approved and are un-American and
foreigners to our institutions and gotern
ment. So the leaders at least must now
have the crowns.' Boyd a foreigner,
Boyd a leader, Boyd the representative
of theB. & B. M. ass'n., Boyd elected by
foreigners while Ameriean voters were
bludgeoned from the polls by foreign
subjects. Boyd pushed into his place
over representative government by the
power on which rests Mrs. Vanderbilt's
crown. Boyd where he is only by the
forbearance of these plain, common
men, who honestly, but mistakenly, re
fused to do their duty, and meet force
with force and protect from invasion
the highest department of our free gov
ernment. King Boyd now should have
a crown. Let us not be outdone by the
effete east. Let it be a good one. Be;
ing a British subject, we suggest that
the above style of the Guelph crown is
appropriate. '
As it is ordained that we must have a
British ruler, one that is above the law,
above the representative and judicial
departments of the sta'te judge in his
own case a king who can do no wrong
why should he not have a ere wn f
Those honest but weak men in the
legislature who only mildly protested
when he was pushed onto his throne
over them, ; can scarcely be more
humiliated, or the -state more insulted,
by Boyd wearing one, as his. alienage
was then both universally and publicly
proclaimed and officially charged and
The golden "combine" in the legis
lature would doubtless . vote the sup
plies. -The-' Lonl' High 'Chamberlain
"Torn" would wait upon the sovereign
and supply him with all the requisites
for the coronation. ;
, And the Lord High Constable "Bud"
would graciously bear permission to the
"common"-"ers" to be present.
Would not the "wool-sack," too, bend
in deference?
Down with the common people!
Up with American crowns!
Long Lite King Boyd!
THE SOURCE OF THE TROUBLE.
"I don't like your editorials on the
interest question." said a bank cashier
to us the other day and a very nice
man by the way. He then went on to
tell us that bankers were making little
or nothing at present rates, the reason
being that money was so scarce and the
terms on which it was to be obtained
so onerous. " And then he asked, "why
don't you go to the source of the trouble,
and secure the issue of more money?"
Well, for years we have tried to get
to the source of the trouble, that is, the
fountain head from which money is
issued the general gevernmeut, and
every time and all the time we are met
by the united opposition of the banking
interest. We asked for a restoration of
silver to its old time rights. Walrstreet
says no. We asked for an increased
issue, of greenbacks. Wall street says
no. We.ask for aij., increase pt currency
to $50 per capita, and the Issue of treas
ury notes on ' land security instead of
specie or bond security, Wall street
says no, and adds insult and derision.
Four years ago the State Alliance issued
a memorial to Congress, relating the
truth about the money situation here,
and ski&g for' luora money) when every
bank in the State and all their satellites
set up a howl against the drawers of the
memorial as slanderers of the State and
cranks and fanatics. . Our banking
friend now admits that the evil exists
that its source is at Washington, and
that the remedy is more money. Will he
now come over to the side of the Lord
against the flighty, and help cure the
evilt ' '
MUTUAL INSURANCE.
It would perhaps be well at this time
to give a little history in this connec
tion. . At the annual meeting of the
state alliance in January, 1890, at Grand
Island, the executive committee was
instructed to organize and incorporate
a Mutual insurance Company, and in
pursuance to instructions the commit-
tee appointed a sub committee, via.,
Messrs. J. Burrows and B. F. Allen, and
after spending some time in making an
investigation of the subject it was
found to be entirely out of the question
to honestly organize and incorporate a
strictly mutual insurance company.
Therefore the gentlomen of the sub
committee concluded to let the matter
rest until the legislature met and passed
a law that would allow them to honest
ly organize and incorporate.
Now that that time has arrived and
a bill has beefe introduced in the house,
let ns.go to work and see what is our
first duty.
It Is thought by some that county
companies are just the thing, to which
we will not object for fire and lightning.
But no county company would dare
risk the tornado. We therefore think
that it would be best for all concerned
to organize a state company, to do cy
clone insurance .only, and let the
county (or district of counties) compan
ies do the fire and lightning insurance.
We will refer to the Iowa Mutual
Tornado, Cyclone and Windstorm In
surance company. On January 1,
1880, this company had $5,167,128 in
policies in forcc.and on January 1. 1890,
$7,411, 602. Cost per 11,000 insurance,
$0,818 (see auditor's report). Or if we
multiply this one year's insurance by
five, we would have $4 09 as the total
cost for five years' insurance on $1,000.
Compare with your own policy. And
as to insurance in Iowa, ' by looking on
pages 72 to 83, twenty-first annual re
port of the Iowa auditor on insurance,
we find that there were in 1889, one hun
dred and sixteen mutual insurance com
panies doing business in the state, with
risks in force on January 1, 1890,
amounticg to $68,840,612.73, (this in
cludes the Cyclone company) and the
total cost for loss, damage and ex
penses was $125,055.13 or $1.83 per
$1,000. Now, if the people in Iowa had
paid for their insurance the same rate
that we have to pay to old line com
panies, i. e., 2 per cent for five years
insurance, (on time, and mutual plan Is
on time) they would have paid out for
the $68,840,642.72 at risk the sum of
$1,376,812.85, and at the rate of $1.83
per $1,000, it would cost $025,275.65, or
the saving to the members of these 110
companies of $751,537.80. 'A There is one
item worthy of consideration in those
companies, and that is the cost of run
ning. It cost them $30,761.03. Now ilj
might be well to consider this and see
whether it would be better to organize
many companies in this state, or to or-i
ganize one company with two depart-'
ments, viz: Fire and lightening in one
departmnt and cyclone in the other.
WHAT EMINENT PEOPLE THINK. '
We have been permitted to copy the,
following private letter, written by aj
clergyman of this city to a friend. It
is an honest expression of opinion from
an able and impartial man, and as
such is of value:
Capt. P. ,S. R.j Dear Friend -Is
pleased me to read your letter Of Janu
ary 19, In the Farmers Alliance of Lin
colu'. I have watched sometrhat close
ly the political anemometer of the na
tion, and of this state in particular,
before and since the 4th of November,
1890. The letter above referred to
shows your vigilance has not slum
bered, nor has the ' ardor diminished
which carried you from Atlanta to the
sea. It gratified me to see that you
reasoned so correctly on the facts and
grasped the right conclusion with the
same vigor that you grasped the sword.
Ought not the supreme court to be dis
infected? Is there a blacker spot in the
history of America? The issuing of the
mandamus was the Gettysburg of this
contes, and Elder was not as able as
Meade in the emergency. Had he
trampled on the mandamus and handed
the sheriff to the sergeant-at-arms, he
would have won for the great plain peo
ple their freedom from the republicau
democratio conspiracy, bolstered up
by monopoly, trusts, railroads and
whiskey, and for himself a niche in the
temple of immortality. He would have
kept his oath,-and let the state see that
one co-ordinate branch of the govern
ment has no riijht to invade the terri-'
tory of another co-ordinate branch,
much less to coerce it. Is it too late for
him to retroat in order thus to gain the
same position? Does not a good gen
eral sometimes retreat in order to gain
a lost position? Would it not be better
now to ignore, even to-day, all the in
terference of the supreme court, and
act as if it never took place? This
would be my position. But enough
until we meet. Run over to Lincoln
next week, and come out and spend a
night with me. Sincerely your friend,
HOT WINDS NO MORE:
We are delighted to see that the con
vention of editors at Beatrice favorably
considered the proposition of The Farm
ers'. Alliance, first published a year
ago last June, for the formation of
ponds to mitigate the effects of hot
winds, or prevent them entirely. The
Press Association can do a great work
by uniting to advocate the adoption of
such practical and beneficent measures.
We may have done that society an in
justice in supposing its annual meetings
were mostly for fun. "- If it takes up
practical work like this we shall peti
tion for membership.
It would be ne more than fair for
papers taking up this scheme to -credit
The Alliance with the origin oL the
proposition. 11
A
J.
