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About Omaha daily bee. (Omaha [Neb.]) 187?-1922 | View Entire Issue (Feb. 3, 1890)
| f m m the QMAHA DAILY BEE ; MONDAY , FEBRUARY , 3 , 1S00. 5 AS A ROOK LBOLID Croat Prosporlty of the Mutual Iio- corvo Fund Llfo Association v of Now York ( Clio ICrniiKs oTNIiic Vcnr i or Uiiliitcr * riiitrl | Sucorss Given at Its Annual . Meeting AVcilnosilny Afternoon I'rcnltlcitt Harper nnd Other Ollloors Give Interesting Knuts nnd Figures Tlio Mntiinl Keacrvo I'linil I.lfo nssoclntlon Of New York city nfTorui one of tlio ucst illns- trillions tliut cniilialmninglnoil of llicIrcnion- doiisKnmllinnil lirosporlty of nn Institution toundcil upon tlio prlclplo of "llvo ntjd let Ivp " its minimi liu'Ctlni ; liolil III tlio I'ottor . * * " t > u 1 ] < 1 Iiik Wednesday ! was llko a trlumplial ColeliintUrn The tunny members who nttcn- tlioincutltiB heard trmn the zciilout nnd ublo omccrs who htivo dolio nofolo work for the ns- . poclntltin nothing but , words of encourage ment Tlio nnnttat reports presented wore filled with cheering facts and figures which - cannot llo The association has been In exis tence for nlno } ears Its fundamental princi ples vvrie now In the Insurance world t but It has overcome obstacles , sun iv cd hostilecrltlclsmi lieIcmI nil manner of evil spcnkliiR , and con quered all the dlffloultlcstliatcuii possibly bo put In thewnyof niiewciitcrprlsohylhosowlio lenrthnt Ithas the Btuir" In It that makes • ucccss , and who dread that It may luterfcro Willi their Interests ; and now lis founders nro tinppy , ln the knowledge thai It Is fnr beyond the experimental stage , and Its enemies are beginning to think they had better slug Climb , slug dumb " Kdwnul II , Harper , the rrcsldciit of the Association , n man whom his associates have learned torcgnrdnsn very genius of life In surance , presided at the meeting Congratulatory telegrams were roeolvcd ffiinii fi lends , Hupporterx and udinliursof the Ohsocliitlonall the world over The man who traveled fuithest to attend the meeting was William II Ilnyward.ot Lou flon the manager of the Mutual Ilcscrvo Fund In Great llrltaln Ho came on the Sorvla , vhlch , nftor tin unusuully btormy voyage , tirrh ed Just In tlmo to allow Mr Hay ward to reach the l'ottur building bcfoio the end of the meeting The travoller was heartily pheoied when ho entered the room , nnd was chccied again to the echo when , with much formality , ho handed to the President the sum of ime farthing , being lho amount of ( liimiiges allowed to the Mutual Itescrvo Lund Xilfo Ah-.uulu.tIon by a llrltlili Court , where Its Blunder suit ngnlnst u man named Held , who lain the employ of a Loudon lnsuranco com pany , was tiled Hut the plaintiffs was n moral victory , and the defeudunt did not get off so cheaply after ull , for ho hid to pay 000 01 * .t.lK ( ) ) In costs All thu reports were applauded and received Unanimously The icportof the President ran as follows : NINTH ANNUAL ltni'OKT OP PKnSIDKNT KDIVAItU II llAIU'KIt , l'OIl Tim YEAK HNDIXO DHOni 1SS9. To tlio oMccrs , directors and members of the Mutual Itescrvo Pund Mfo Association , tleiitleinon : The work of uuothor year Is oiniileted Its results aio before you Our XhooKs containing the iccoid of tlio ninth r yeurln the history of the Mutual Uenervo I'uncl Mfo Association uro closed , and wo en- V-t irTupun the lastyearof the ( lntdecadoof cur hlntory under thu mobt fa.vor.ibl und aus picious circumstances ASSETS ! Our iccQrdfor 19S9 shows that wo have In creased ourasseUdiittjigtliuye.irfroui $2,712- 91 to $ .iM,8jT ( , making u net lucieasoof 4011- ItESEBVn FUND During tlio year 1SS0 wo luivo Increased our Ca-.li siiiiiluslte enoorEniorgcnoy Puud fiom ei.T9filiT8.l'J to $ _ , ,3Dl150a-tri , making a net cash ln- ci-easu for the j cur of 8507UI.10 ( , with nearly SlUU.noO additional on hand to bo apportioned ) > y the auditors INVESTED ASSETS During the year 1889 wo hayo Increased our Invested assets upon Improved propcity In the City of New York a detailed statement of each Investment Is herewith presented to you . * -fium $1,21X1,000 to $1,51)7,000 ) , making a not In crease for the year of Invested assets of ejuii o.SPECIAL SPECIAL EMERGENCY PUND During the year 1889 we liavo , as per resolu tion , offered by General Isaao II Shields , of I'hiladelpula , Pa , mid adopted at the last an nual meeting , created a cash surplus special N rc ere emeigoney fund of $100,000 , with which to pay Immediately the death claims as they Shall occur and aio approved This fund Is Leld by lho Amorlcan Loan and Trust Com pany of Now York for this spool do purpose only ; and through the ci oat Ion and usoof this , fund our death claims are paid In large num bers at the time.or even bcfoio , the l > t-inoiitli- ,4y mortuary call Is made or paid by the mom liers ; but from the proceeds of the mortuary recall the loan or udviuico from the special Ipmcigcuoy fund Is returned and thus mudo > good INCOME , Our Income for 1889 was ni03rKi.rn. Our In- kcomo for 18S8 was & ,711fit4 08 , making a not In- < creisu ; In Income of $ JM.81.25 over the ine- vlutisye.ir ; but Included In the Income for 1RM > U inoio than J1M.00U admission nod medi cal fees , never received by the company hut t 4nuluded la ourlticomo , us required by the In- uruneu Department blanks , and a coue- cponding debit Is mudo to our c\icnso ac count DEATH CLAIMS During the year 18S9 wo havn paid to the widows , orphans and other benellolarles of deceased members death claims to the Omountot It.Sia.tWl.M , making our total pay ments of death claims In excess of 37,000,000 , which vast sum was paid by us direct to tnoio than two thousand widows and ten thousand orphan children of our deceased ucmbeiri And we htivo cash on hand and In In vested seomltles In our emergency and ro- porvo fund accounts equalling more than • 5,000 for cncli (1.000 of death claims remaining unpaid , approved and unapproved , on the Slht flay of December , I68 ! > , our liabilities for uu- liuld death claims at that date being U0,000 less than at the sniuo date one year ago ; ( Jits In face of the fact that wo have more than f li.lrH W0 additional Insurance In force , wlillo our total assets equal 17,009 for uaoh 11,000 of imp ild death claims approved and iitiap- jituvctl on the ,11st day of December , ISsD , NEW 11U8INESS. During the yciirlSSQ no received now appli cations tor membership to the amount of HO.lilNOSJ , of which was necoptod and written t3l,81tB75 ) , leaving tr > JH,210 which has been re jected , beeniiso the applicants did not come up to the standard required by the rules of the association , or returned unapproved or ou file In pioeessof adjustment , IltJSINESS IN reneE Our business in force on Deoombor31,1839 , I vrus * IH1m,200 : , making a net Incruaso for tins yuarof 812,4.VS,350 , which Is u larger luoreaso than for MSjovor ISM The uotuailes tables of mortality culled for a death loss on our business In force December 31 , l S9of (0,513,30:1. ( : MOUTALITY ' While our uotuul mortality was for tlio year IjiiUi.Ml.lW , tlio dlirereneo betneen the act ual and assumed mortality uasi7DM , or our nuntullty was but OS percent of the tubular rates , and this low ratio of mortality lias ex isted each year since thu orgitnUutlon of our company Had wo transacted our business under the old system wo would have been ooippolled have collected from our jucv'buiM In advance each dollar of the $717- tt&und In addition thereto the estra loading forc/\tni u.\pen > cs , and extra i-escivcfund or caving * haul ; deposit , Hut as our system ro- fliiluw tlio association to collect for death claims only thu uc | mil luplacuot an assumed niortullty , our members have saved the entire sum of * 717l > Jti In addition to the other Items named tihovc , In order that our members may bo ublo toteu for themselves the lulvan- tages Under our system , I present herewith a comparison of expenses , mortality and Income I of the Mutual Reserve with the three leading ; Amcrk'uii life Insurance companies : Itesth lns < M Amonnt Incurred KtpenifJ Bt rl k dorlnit rtiirlng Dee SI , 1S S. PWS , ISM Mntiinl lto < crtc ls . , irs KAV ) liren.tv ) t riowt Kqtlltnhlc 1.1(0. IRSi . . 6n.5IB.IW B,70SA > 3 l.tU-MIS Mutual Ilfn l S-t . . . . 4 , UVISTS 7 , ? 1.T. 'H 4.1T2.1II7 New A'nrlt Life Isss . . ti.RljyS ( 4.n3iW7 iMf-MO llututl lleierfe , ltt . tftliM3M l. l , W tlS.W Mortnlltr Ktppnsra lnconio to wicli torsch trtpnch Hijii f l.oou ll.un mrl lt atrl ic ntrl it Mulesl neierre , tlsS low a:3 liiOl EqllltsblO ltfe 18t 13.51 000 49US Mutual ltrn 19SS 1.VI3 10at f.OI Nc r Vork Life 18SS ll.M 10 W MXi Mulu.il Itescrvo , 1SJU 10W 8UI 17.11 U will bo obscrveil that the mortality of the Mutual ltcserve was less than any ono of the olhorcoiiioanlcsi their expenses were moro than two and one-half times greater , and their Income was morn than three times as nrcat as that of the Mutual Ituscrve for each 1,000 In surance evposcd SAVING The actual saving to our members for the yearlMl , when their payments ( or the Income of lho Mutual Uosorvolatocompaiod with lho Income for each 11,000 Insurance at risk , of the old system companies-sum saving to our mcmbois for 1839 wus$0.5.d.M0 ! and lho total saving by reduction of rates slnco the Mutual Itescrvo I'und Llfo association commenced business , nine j cars ago , o\cccds tiloooood AVERAGE AOE Another remakablo fact whtch I mil nblo to present to our members Is that although ono year has been added to the ugo of each m em ber during that time , yet wlien the deductions aromadofor lapses , expiry , and for deaths , and credit Is given for the now mombois re ceived within the year , nolliid upon examina tion that the average ago of our members In force upon our books December 31 , 1889 , has actually diminished In plueo of having In creased LAPSING The expiries , reductions , not taken , and lapses have been about thesamo with the Mutual Hoservc ns has been the case with well-managed companies doing bus lness upon the level premium system Prom personal observation wo find u largo majority of these were caused by reason of the fact that the object of or necessity for llfo Insurnnco no longer existed , or bv reason of financial dis tress or embarrassment of the Insured OPl'IOIAL EXAMINATIONS During the year lSS9two official examina tions by Insurnnco departments have been made ono by the Iiisiirniieo Department of the Stnto of Colorado and ono by the Insur nnco Department of the Stale of West Vir ginia Each of theseolllclal examiners was aided by renowned actuaries nnd competent experts , and In each Instance the Mutual Ko- servo Pund Life Association roeolvcd a full , eomplclo and unqualified endorsement Its books vveio pronounced correct , Its assets well Invested , and Just ns stated by theonicers , its death claims promptly paid In full OTHEU EXAMINATIONS In addition to thu olllclal oxamlnations as above stated , by rcasdn of the many fulso statements circulated by the enemies of tills company , the well-known chartered account ants , Messrs Price Watorliouso & Co , o t Lon don Eng , were requested by our friends and members in England to make nu examination of the niralrsof this association Your olliceis at once accepted the suggestion of our mem bers In England , and throw the books of t ho association open for examination by these famous and woild-rcuowncd accountants Tlio same rules adopted by them In the exam ination of tlio banks , railroads and other cor porations which they have employed for the past fifty years woiundoptcd by them in their examination of tlio Mutual Reserve Pund Life Association , and upon the completion of said examination a ccilltlcuto was furnished to this association by these distinguished ac countants , cuitlfylng that Its books were cor rectly kept , Its assets concctly stated , lis In vestments pionerly made Its death claims promptly paid In addition to the above examinations , the auditors of the association luivo also made six seperato examinations , or ono at the expiration of each mortuuiy call ; and In each Instance a slmllarlndorsenieut hns been given certifying that the books mid accounts woio correctly kept , Investments wisely made and the death claims promptly paid in full It can be tttily suld that no other llfo liisiii.niee company In the world has over submitted Its books and necounts and all Its transactions to the Inspection of so many Insurance com missioners , actuaries , expert accountants , bank examiners and auditors , and It also may boas truly said that no other llfo ln uiaiico company in the world has ever received so many Indorsements uftei examination as bas been the ea-o with the Mutual Itescrvo Pund Life Association And Italso maybe truly suld tnat in no Instance lias an examination been made into the a ( Talis of tlio association , but that nftoi the completion of said examina tion the association was triumphantly vindi cated of the many false charges that had been circulated by Its enemies Mine tliauouo bundled such examinations have been made , and moiu than ono hundred ceitltlcatcH of Indorsement uro on file , given ufter the com pletion of the examination by the oxamlncis PROSPERITY AT HOME Asan evidence of tlio great populuilty of thu Mutual Reserve Pund Life Association at and near Its own home , where Its olllecrs are best known , wliero Its transactions are under the dally observation of thu business commu nity , 1 am able to suite that more tlinu one thlidot the entire business In force upon our books moro than one-third of all our mem bership are residents of the city and state of New York , repieseutlng the very best busi ness nion , bankers , moiuliaiitsund professional menof our community ONE THOUSAND DOLLARS REWARD Nearly two yearn ago the officers of this as sociation , in reply to the vailous circulars Is sued by Its enemies to the effect that It did not pay Its death claims lu full , published to the world md uUn lu the assessment notices that went to each member of the assocl- tion , a notice ottering JI.0OO toward for the name of any honest death claim which was duo and Hindi had not been paid lu full , tlio fact to be determined bv any two bank picl- deuts In Now York city Tlio fact of lbis standing reward being made has been pub lished all over the world , yet up to tliepiescnt time not ono single demand has been made upon the association for this reward During the past twelve months the attacks upon your officers , also against the association , its plan and sjslem , luivo continued and been more vir ulent than In any year duilug tlio piuvious eight years , it will be remcmboicd that a systematic ) attack upon this associa tion and Its officers was commenced by the old llnu llfo competing system in 1881. Shortly thereafter an escaped convict vras employed and paid t2. > , O00 in United Mates bonds as compensation for attacking tlio private char acters of the officers of our association , as well as for attacking the association and Its plan nnd system Slnco Unit date every means which could bo conceived by wicked men has been employed to Injure the business of tills association Wo have evidence where SIM wus paid to an employe of t ills associa tion as his prlco for robbing the aiehlves of Its rocoids Those monopolistic represent atives caused this theft to bo committed , and I have since scoured tlio return of apoitlon of the stolen records and an admission from certain parties thereto , showing how the money was raised and how the robbciy was accomplished During tlio past twelve months the crime of forgeiy liaa liecu added to that of robbery , nnd illabiilleal conspiracies have been un earthed on the put of these llfo Insurance monopolies , I will refrain from giving the full details In tills leport , Inasmuch us n full oxpnso of these conspiracies , forgeries : and thefts lias already been presented to tlio pub lic , us well us to our members It Is but Just to you to say that yniirman- ageiiient.uhlle recognizing the fact that these opponents of this company have many hun dreds of millions of dollars nt their com mand , yet no have decided to give them bat , tle lu our courts of Justice should they con tluuu their diabolical plots to Injure mid de stiny the business of this association , Willi this object In view , eminent counsellors have , been employed , who have been liistiuctcd to pioseeuto these llhelleiri and conspirators ; and In I his connection 1 will quote the follow ing resolution , which bus been adopted by the Evocative Committee of this association : ONE THOUSAND DOLLARS COUNSEL PEES Ol'PEItllll l'OIl CONVICTION OP J1AL1GNEUS OR L1IIELLERS. At a special meeting of tlio Executive Com mittee of the Mutual Reserve Pund Llfo As sociation , hold on PrldiiyJun , 17 , Is1 * ) , Director II J. Iteliiniuud offered the following resolu tion , which was unanimously adopted : That thu President of this association bo authorized to offer ono thousand dollars to any lawvor , counsellor or solicitor who shall secure the conviction of any person or per wins for hereafter inall'iiliu { or llhollliig this association or any of Usollleers lu the United Mates or any forclxn country " In uoeordaneo with above resolution I here by iiuthorlto uny reputable lawyer , counsel lor , or Millcl tor to commence criminal or civil proceedings without further orders against uiiyouowlio shall horeufler malign or libel either this usssoulutlou or Its officers , and , upon conviction being becured , jl.ouo will be ! putd to said luwyer , counsellor or advocate , and u proper retainer will lie puld lu advance where evidence U furnished justifying the same INSURANCE COMMISSIONERS I am pleased to inform you that this associ ation has received fair and honorable treat • ment from all the Insurance Commissioners j of the vurious Males of our Uiiinn iiiuur of i whom , as has been previously reported to ) you ; , havn personally examined Into lho affairs of this n oclatloti , and with but one j single oxeoptlon vl „ D. W. Wilder , Insur1 ance CommlKsloncr of the Slate of Kansan , and Inasmuch as he Is and hns always been , the ' rccognlied representative of the high rate i monopoly system of llfo Insnranccotlier- wlso known as the level premium system , Ills not ] surprising that hn should not only attack this \ association , but as well all other orgnul * rations : that transact business upon the natural | premium or assessment system , and his i attacks are not only nindo upon the : 470 assessment associations , fraternal and tion-fratcrnal soolotles , but as well iiMin | the members of the legislature of the stntcof I Ivaii3asnotwlthstiindngtho ( fact that these assessment associations are paying out each year moro than thirty-eight millions of dollnis to the widows and orphans In death claims , a greater sum than tlmt paid In death claims by all of the level premium llfo Insur1 ance companies combined , while the o assess ment companies nro collecting less than one third of the rates charged by these level titcI mliim companies ; nnd yet , notwithstanding Iho'faet that two-thirds of the business of all the level premium eoninnnles Is trausaoted by three monstrous llfo Insurance monopolies , Mr Wilder has eon proper to cspouso the cause of these llfo Insurance monopolies It Is but fair that the political parly which has appointed him to tills Important ofllco should Jio held responsible for his coiillnuanco In onicc Already the fraternal societies In national congress assembled , representing a membership of moro than ] , MO,000 voters , have petitioned Ills Excellency , Lyman 11 , Hum phrey , for the removal of the monopolistic repi rcsonlatlve , und It Is to bo hoped that nil of the assessment associations throughout our eounlry.ropresontlng a membership of iNX.0O0 ! ) persons , Miull follow lho example of the fraternal - tornal societies , lu conclusion , I will state that yonroxecu- tlvo olllecrs enter upon the yenrlsOOwllh nb- solute confidence for the future Our asso ciation was never in a better condition than today Wo shall continue to press forwaril In the cause of llfo Insurance refoim , and we shall continue to furnish life Insurance pure and simple , divested of till savings banks or Investment ntlachmctils , so that those of the people who desire life Insurance at cost , with ubsolitto security , as provided In our already largo cash accumulations and rapidly lu- .creaslna surplus , through our emcigciicy fund , will bo ublo to obtain the same To my olllclal associates , in our many loyal and faithful agents In the field , as well as to the moro than one hundred employes lu our olllce , I desire to acknowledge my special obli gations for tlio help , aid and assistance which they have rendered In their respective de- naitmonls , and to the many thousand mem bers located throughout mu country , lnclud- Cnnada , Great llrltaln Prance , llelgliim and Sweden , who have given us their loyal sup port In the great conlllet which has been waged against us I extend my sincere thanks , and request a continuance of their conlldenco and support , ltespoclfiilly submitted EPWAUI ) II llAlttKlt President Mutual Reserve Pund LlfoAssn New Yoiik , Jan - . ' ; 1MK ) . The following Is part of the report presented by the Comptroller , Henry Relaiiiiind , e\-Su- peitiiteiident for insurance of the statu of Ohlo-- : New York , Jan.22 , IsOO To tlio president , direclots mid members of the Mutual Reserve Pund Llfo association Okntikmi.s"As ; : weaio about to open a now page lu the life book of the Mutual Reserve , inn ml tine before turning fiom the page that hus Just been completed to review some of the iiiomlueut features of this history of inunct ions progress und prospeilty Wo have added to our reserve or omcigciicy fuuddutlugl8S9 $507,8111.10 , making this fund on 31st December , 1889 , $2ioir ( > . : i5. Wo have paid in death claims during the past year $1,8:10,031.20 , making the total paid In death claims since our organization , but nine years ugo , ov er $7,000,000.00. Wo have received in cash income flOS.lll.S5 moro than wo rccolved during 1888. ami our cash disbursements lmvo oxcecded these of 1883 by t.t28.Kll)02. ) Nearly the whole of this In crease lu disbursements Is due to tlio excessof death claims paid In'lbsOover IssS , said excess amounting to " i 92rjLi , < mi > oj : During the past year there lias been added to our cash and invested assets the sum of $558,8:15.10 , . and wohaxo Increased our total cash Invested and other assets Jj0-Il,575.tt7 ! , making our total gross iiHsets on Dec 31,1SS9 , $ u , 8tH0i.a7. : Our net cash and invested surplus at the close of the yearvvas $2,1 < < VS21.20. a gain over tlio jeur 1888 of $027,875 80 , nfterdeductlng every real , contingent , tech nical or Imaginary liability ( Including a lia bility of * lbM32 , whichlslho notprcseut vulue of nil policies In force on Dee 31,1889 , com puted us renewable term Insurnnco for sixty days upon actuaries table of inoitallty , with interest at I percent"a liability voluntarily ussitmcd by this association and not required by the vailous Insurance dcp.iitments from post moitcin natural premium organizations Wo have written during the past year J2.oii : policies , amounting tu } 'il,8T > , K75. which would have been much larger but for the great cine sojndlclously oxuielsed In tliouccoptaiice of these risks more than compensates for tills small loss In the volume of new business Wo lmvo rejected during the ycar3.74.l,232nf In surance applied for , a great portion of which It not all , would have been greedily seized by the old Hue combine ; but wo deemed It only Justice to our members not to burden them with losses which must ailse from placing upon our hooks any but first clans risks Thomortgago Investments ou Deccmbcr31 , 1889 , amounted to $1,707,000 , the niiiiual Interest on which would ho about (8.1,000 had these loans all existed for a full year During the past year lho total expenses of management amounted to only * 7hl,7ia 02. To further convlncuyou of the economical management of Ibis association , wo will take thu amounts of Insurance tit risk und show what would have been the expenses-of man agement bull the Mutual ItOMirve had In force Hie amounts carried by the old line combiuo on DeoeiiiboraiJMvS The Mutual Llfo had tit ilsk * Js2u , i0rtiU. Now , by tlio simple rule of three If thu expenses of management of the Mutual Reserve , with -llivt,200 : at ilsk were ' 71I,728.0J , with JlBj.tt- . ) „ 'i7U lit ilsk , they would amount to only tLMCuWrr but the expenses of the Mutual Llfo for 1KS8 , as shown lu Its tmoru report to the New York Insurance De- liarlment were $1,072,107 , an over luxation of ; its members during that year of $3,075,011. Similarly the Equitable with (119.310,190 Insur ance ut risk and expenses of $1,013(19 , und thu Now York Life Willi H19.Kstl.ri0J und expenses ; of fMKLSIQJ overtaxed their members f. ,78l,023 ! und f.WI.OOl respectively , during the ; ! same year , making a total overtaxation of their members In expense of management aluuu for ouo year only by the combine of $8(123,18 . as compared with the expenses of our associa tion , As wo have not the llguresof tliUoom- liluo for lHhll , we have discriminated In Its , favor in this calculation , as It Is based upon oiircxpensos ) for 1889 , which were slightly In excess for 18e8 , they being gk&J per 11,000 at risk Our death rate during the past vearwasto , euch 11,000 til risk on Dec.31 about | less than the average mortality of thu old Hue combine j during 1888 , and our expenses during the past year were but ft 03 ncrtl.ooo at risk ut the close , of I he j ear while lho aveiage expense ratio Of thu combiuo for IHxj was & 1.III. IIkmiv J. IttlsxiuniComptroller Dr J. W. Hondcii serves lho Mutual Reserve I und faithfully uudwell In the medical di rectorship , llo presented a report which showed that tlioyuur lbetl closed with policy HUi slnco which time 12,013 applications have been uppruved , representing fcH,8 2,875 , which added to the business already lu force , represents an Insurnnco Til over tlsiooo ooo , a remarknblo showing fortiri association which has 1 just Mini pitted Its nliui j ears of existence In addition to the abotiOielected risks lliero are on lllo In the medical department 1.491 ap plications ] received dating 1ho past year , which , upon cororujiylnv-pstlgatlon , were found to bo undeslrf iiln , and coti eqncntly were rejected , rcpre ejitlug * i,7 ,2a. In nil dltlon to those rejectItltijv ninny applications were received whleh'xvfVo returned to lho jigouK having been pKMmted through misunderstandings - understandings on tluxU pat t , the applicants being 1 nbovo the llinltcd.oge acceptable to this association , . . _ W. II , llaywnrdof London , read n report , which showed Hint thff association Is going ahead t In Orcnt ltrltnlrt/ The opposition encountered - countered there was great , but one slanderer hnd 1 been effectually sllcuecd , n llrltlsh court hiixlngglveil 1 small d/ittiliges / to the Mutual Reserve 1 In the nctlon brought ngalnst him , and compelled ltlm to pay tam costs Dr S. II 1 Tyng sent n cheetlnis report from Pnrls of the I Increasing popularity of the association In I Prance Vice President llloss reported splendid progress on the part of the agency < "An Agency Corps " he said , that can pro dltcoover40,000,000 i of now business In Iwelvo months i Is an army of workers of which the olllecrs of jour association are Justly pi ] oud , " There wns much encouragement nlsotullio report of Dr , 8. A. Robinson , Chairman of tlio Pliianeo 1 Committee RESOLUTIONS OP CONPIDENCE noii I aao H.Fhlolds of Phllndelphla , Pa „ Introduced i the following preamble nnd lew- lutlon , which was seconded by Gov J. II Rleo and adopted by u Unanimous vote : Whereas , It appears fiom the reports of 1ho execilllvoonieersof the Mutual Reserve Pund Llfo Association , which we have Just heard read , thnt tlio promises and expectations of eight , years ago have been mure tliun tul- Illlcd Plrst During the past yenr wo find that the assets have increased by the magnificent sum Of JtsllOOO Second Tliatthorceorvofund hnslnerosiscd during thesamo period more than one-half a million dollars in cash , with $100,000on hand yet to bo apportioned Third That the Invested nssotsof the asso ciation haxo Increased by mine than j.100,000. rourtli That tlio special emergency fund Tceoinmendod nt our last annual nicotine lias been established within the year , and 1ho sum of $100,000 In cash has been set npart In trust companies , ns trustees , for tho.specillo purpose of providing for the Immediate pay ment of death claims rifth Tliat the lueonio of the association has Increased within the past twelve mouths by nearly $100,01)0. ) , Sixth That the association has paid within the past year nearly $2,000,000 In death claims to the widows nnd orphans , making a total paymentof moro than$7,000,000 , which amount wus disbursed to moro than 2,009 widows and 10,000 orphan children of our deceased mem bers Seventh Thai the business of the associa tion , after providing for all deaths , expires , not takens and lapses , has increased more tliaiiJlJOUOOOO Eighth That the nssocint Ion Iris on hand In cash moio than ! \UO0 for each $1,000 of death claims , nppiovcd and iiiiappiovcd.on the 31st day of December , IKS" ) , with nsscts exceeding S7.000 for each $1,000 of death claims Ninth That these grand results have been attained whllo collecting from the members , but $17.14 upon thu average , at all ages , for each $1,000 lnsuranco exposed , which sum has provided for tlio death claims , for thoicseive or emergency fund and forall lho expenses of lho association of every kind and character whatsoever , nnd these collections were based , on ago of entry of the members Tenth That the uverago sum collected by all of the old system companies tortho jear 1888 was $ .13.24 tin each $1,000 of Insurance ex posed , or mora llinii three times thatcolleoted by the olllcors of the Mutual Rcscivo Pund Life Association Eleventh That these facts have been un questionably established by repealed olllclal and uuthorltutlvo examinations of the books , accounts , Invcstmcntsaiid business of the as sociation So thorough , und coinpleto have they been that tlio results would bo evidence in open couif thcrefordbo It Resolved , That this Is such a showing of lho faithful pcrfoimsincoof duty , after tlio most approved business methods with resplendent results , us demand at the hands of the mem bers of the Mutual Ilesvivo Pund Life Asso ciation , in annual meeting assembled , a hourly apnioval and commendation Resolved , That the thanks of the members aio hereby earnestly extended to the olliceis of this association , one mid all , not only for the able manner In vvhhii they have conducted the business , but for the further reason that these evidences establish a lint denial of the accusations und caluiiules | wickedly ami un truthfully fulminated agulust home of them , us well as against thu correct principles which uniluillo the na tural premium plan of llfo Insurnnco , ns practiced by the Mutual Reserve Pund Llfo Association , ' a system which requires the payment of such a sum only aswlll meet cur rent nocossury expenses , a reasonable emergency , fund , andactual death claims , while the reserve or emergency fuud Is held lu trust , and , If not required for the payment of oxcesslv o death claims , is returned to the members at stated periods , thus furnishing llfo Insurance at ucluul cost , with the greatest possible security , Mr Warring Kennedy , of Toronto , Out , ad dressed the association at some length , say ing that , as General Shields had offered a resolution elution representing the United states , lie thought it hut Just and proper that the Cana dian contingent should bo represented sepa rate and upait , nnd ho therefore offered the following resolution : That this meeting , having heard tlio repoits from the various departments of the Mutual Reserve Pund Llfo Association , expresses Us pleasure at the great success which has at tended Its oftorts during the past year This meeting desires to express the fullest confi dence In the executive officers , to whom is entrusted tlio management of its affairs Its economical , sound and beneficent character commends Itself to the mem bers , making , as It does , such a safe provision for the willows and orphans of its members This meeting recogiil7CS the fuct that the inoitallty of the members of the Mutual Reset vu"vvas less dining the past yonr than t hat of uny of lho other leading In surance companies doing business lu this country , which Is an evidence of the euro he- stowed by the Medical Department In accept ing risks This meeting pludges Its continued support to lho Mutual Reserve so as to pei- petuate its unparalleled success and scenic its final tilumph All the tests , Mr Kennedy said , that the as sociation had gone through only served to i en- Uerltall the stronger and all tlio moro worthy of confidence Wherever it had planted Its banners In every Instance It has maintained them , and the people were fast lladltigoiit that It wits selling lnsuranco at cost , and that It was rank Idiocy to pay more than it vras worth Mi Ivennedy also icfeircd to the Into ti In I for slander against ono Held In England , the result of which wus to more Untilv estab lish the association on English soil Thev uro discovering thut they can get $1,000 worth of lnsuranco for just w hat It costs , \Vo mean , ho said , to continue the light forever "Preedom'sb.ittlo once begun , llcq neat bed from bleeding situ to t > on , Thu' b.ifllcd oft Is uver won " Oovornor Rico said wo should soon have to annex Canada for the purposes of getting Its orators , Mr Wilson seconded lho motion nud It was unanimously can led The thanks of the association were also foi- mally extended to Mr Haywurd of London , and Dr Tyng of Purls Tlio'Tather of the Association , " Mr llO llloss , made a feeling address lu response lo a request from the president to do so , - . Mr.O , D. llnldw In , President of thu Aineiicaii Loan utitl Ti list Company of New York , being called upon , said he presumed he was n much better business man than he was a speccli maker , Hut he had examined carefully Into lho Mutual Reserve through experts , taken a policy In It , Indorsed It by words and in wilt ing , and should continue to do so llo wus In continual reception of letters from all partsof this country and fiom nil countries asking about the Mutual Reserve , and that ho always replied tliatlliuio was no company more hon estly , carefully or safely managed , and no company In which bcuullcarles were assure to got ihelr money Attorn few remarks liy others on matters of miscellaneous tuipait , the meeting ad journed , / f The amount of the rcscrioor emergency fund of the association on Dec , 31 , 1880 , was $2.i0l- : KWM well Invested • At a meeting of thoTHrectorsheld subse quently the following oiliecis were elected for the ensuing yeiiij [ „ , , E. II , HARPER , President O. I ) . IIALDWIN , VlcoWesldeiit N. W. IILOSS Second Vltfo President H.J.HE1NMUND , Cooiuirollcr and Treas urer cj P. T. IIRAMAN , Recrqjary J. M.STEVENbON uiTdJl W , T.AMKDEN , Assistant Secretaries 4 Dl , J. W. UOWDKN , Medical Director HM HITCHCOCK , M i ( . > Assistant Medical Director ; , , „ Dr S. A. noilINSON 'ciialnaati Pliianeo , ' " Committee . Dr C.R.I1ISSELL , Onufriuuii Death Claim Department , b.V , Wit AY and JOHN O. AOKER , And ltois , E. It HARPER , N. VT IILOSS and 1 | , J , RKINMUND , ExeoutlvoCommittee WAHRINO KENNEDY , WILLIAM WIL SON HERMAN A. NIEIIOPP , HENRY L , LA MI ! , JOSEPH A , HAKWOOD ISAAC II , KHIELIW WILLIAM II IIAYWARD DR bTKPIIEN II TY1SU D , M. 'oALDWELL and K. D. JONES , Council Olliceis II O. HLOsS Inspector of Agencies JOHK MULLIOAN , Supervisor of Death Claims O. II , McOHESNEY , Inspector of Death Claims , II W. HATCH.Siiperlndendent of Agencies HlrW ORHOEIl HUNTER , Chief Medical Dlrectorof tireat llrltutn Doetcur JULES ROCHARD , Chief Medical Dlrectorof Praiieo , UEORUK II MERCER , Second Auditor * B. H. EOBISON , GU.VKUAIj MANAGKIt OiiiuliuNulloiiul UauU lSultilliir ; . PATTI AND MRS , DIAZ Tlio Ijlliol for Wliloh the Mexican Ett * Itora Wrro Arrested The origin of the trouble which tore initiated In the arrest of the editor of Kl I'rofrreso for libolinp Tattl was a story which tipperrotl in thnt pnpor nnd wns . roprtntotl in El Muiido , to the clToct that I'uttl hnd used insullitip ltuiputig-o about Mexico , says n City of Mexico dis- natch j to the Now York Tlmog Kl .Mumlo retailed for the bonofitofits rctulorann ancient story about aconvor1 satlon supposed to hnx'o taken plnco in 18S4 in Now York nt the Windsor hotel , between Pnltl and Mrs l'ordrlo Diaz , the wlfo of the president of Mexico , who lmpponcd to bo In Now York at the sumo titno Mrs Diaz hnvlng nskod Pattl when they would have the pleasure - uro of hearing her delightful voice in In Mexico , roeolvcd the following brusque 1 reply from tlio fair cantatrico : "I do to n. country of savajjoa ! No , Sonorn , novorl " • "Do I look llko a savapo " asked Mrs Diaz ] with warmth . Puttt , in nn attempt to escape from hot blunder , only mudo mutters some what 1 worse by ndillnp , ' 'It is bcettuso jou lmvo traveled that you nro not llko the rest " The writer of the nrtlclo proceeded to suggest that , now thnt Pattl wns lu Mexico , it would bo well If through her orgiuisof < the press slto would condescend - scond to say whether she had yet modl- llod ' i her opinion of the savages , consid ering < that on two occasions they had filled j her pockets with gold The Indignation of Mrs Portlrlo Diaz atbolugmndo t thoinstrumontof n miser ably-potty i hostility to the great artiste can bo imagined , as the rotations be tween ' the two ladies are of tlio most cordial i nature , Patti having visited the wlfo of tbo prosldont at Chapultnpoc The , first Impulse of Mrs Diaz when she heard ; of it was to publish an olllcml de nial ! of tlio story ever her own t > lgnaturo but she was made to understand thnt , with her position ns wlfo of the presi dent of the republic , this course would bo beneath her dignity.and accordingly an unauthorized denial wns made through Kl Tiempo by a friend , express ing her disgust at the calumny , lho falseness of which was aggravated by the itibolonco of making her the means of attack The story was chnraetori7od by her as being totally absurd All the loading papers of Mexico , In cluding El Tiempo , El Nacionnl , El Monitor , and El Municinlo Libro uub- lishod moro or ' less formal and Indig nant protests against such a breach of hospitality and courtesy ou the part of any section of the press Mme Patti on the occasion of her visit to the wlfo of the prcsidotit , had olTered as the greatest marie of her es teem and regard for Mrs Diaz , to sing in aid of her special work of benevolence - lenco the children of the poor working people who are cared for under her su pervision in the Cnsa Amiga do la Obrorn the Friendly Home of the Working Woman The compositors of the papers impli cated wore first arrested and impris oned , but wore set at liberty oh proving that they were not responsible , and on the arrest of the rosponslblo editors , the editor of El Mundo was released on undertaking to publish the fullest possible - siblo retraction on the following Sun day ORIGIN OF LA GRIPPE la the Snizzarll nn Invention of" tlio Celestials ? This disorder has nt length efTootod a lodgment iu England , though at the tlmo of writing ( January 0) ) it hits not become so universally epidemic as in soma ether roglons Concerning its genesis , little or nothing is scientific ally known , says the London News Aa it has come from the cast , it may , as tin ingenious correspondent suggests , have taken its rise from the mud of the .fclonng-ho ( China ) floods , just as the eholoni is said to have originated in the hot pestilential swamps of the lower Ganges in India during a season of un usual rain Should this theory bo true it only shows that the whole world Is akin , and that wo have a selfish inter est in providing the Chinese with competent - potent engineers In the way of reme dies for the influouza the doctors have not much to oiler ; there has been a great run on quinine and antipyritio , but , after all , the odds are thut , like ether feverish nmladiesit must run its specified courao The patientstherefore , are advised to keep warm and quiet in bed till the worst is over As regards the method by which the disease is transmitted wo are very much in the dark At the tlmo when Paris was so ' prostrated thut , us was epigrammatically - cally said , one-half of the population was administering tisane to the ether half in bed , there were only a few spor adic cases in London loss than 1100 hun dred miles distant On the other hand , lho mysterious agency lopt across the Atlantic in seven-league boots , ravaging America at a time when the United Kingdom was almost untouched Cheery consolers toll us that the influ enza is , after all a trlllo It oaly kills two out of a hundred of its victims , and the young and strong need not fear it But how many people there are who nro neither young nor Btrong ! Unless as faomo Austrian doctor assorts , there are two distinct epidemics prevailing it is clear that Influenza leaves after cITccts which kill pretty frequently Else why the high death rate recently prevailing in Paris and in ether cities : ' And , in the case of old people , iulluonzn curries elf in the form of pneumonia these who might otliorwlso have survived for sev eral years , as is shown by the deaths of so many persons beyond middle life The Only One The Chicago , Mllwaukoo fc St Paul Railway is the only line running solid vestibulcd , oloutrlo lighted nnd steam heated trains between Chicago , Coun cil BlulTsnnd Omaha The berth reading lamp fonturo in the Pullman stooping cars run on these lines if patented and cannot bo used by any ether railway company It Is the great improvement of the ago Try it und be convinced Sleeping cars lonvo the Union Pncifio depot , Omaha , ntO p. in dally , arriving at Chlctitro at 0'M : n. in , Passengers taking this train are not compelled to got out of the curs at Council BluHs and wait for the train to bo cleaned , tint tickets nnd stooping car berths nt Union ticket olllce , lfiM Pur nam st P. A. Nash , Gen Agt J. E. Preston Pass Agt Iuiipimoh nn NcvvHp iper Iti'iiilln ir The following Is from "Emorson's Talks with .i Coltogo Boy , " in the Poh- ruar ? Contnry : • 'Nowspnpors have done much to abbreviate oxprosslon , and t > o to im prove style They nro to occupy dur ing your genorntion a largo share of attention " ( This was Bald nonrly a quurtor of a coutuiy ago It wan as If ho saw ahead of the blanket editions ) And the most studious und on gaged ' m uu cun neglect them only nt his cost But have littto to do with thorn Learn how to get their best , too , without their getting yours Do not rend them when the mind Is creative And do not road them thoroughly , column by column Remember they nro mudo for every hody , und dent try to get what isn't roonut for > ou The miscellany , for in stance , should not rocolvo your atten tion Tltero Is u great secret in Ktiow- ing whnt to keep out of the mind ns well ns whnt to put in it And oven If you find yourself interested in the selections , you cannot use them because - cause the original source is not of refer once You cant quote from n news paper 1 . Like some insects , It died lho dny It wns born The gonumo news Is what you want , nnd pr.iotlco quick senrchos for it Uivo yourself only so many mluutos for the paper Thou you will learn to nvold the premature re ports 1 nnd anticipations nnd the stuff put 1 in for people who have nothing to think " I'oiiniloil iv Loniiinc ntully . In a York county town ono of the lending 1 families Is that of the nnino of Wnlkor , nnd the story of Its foundation would afford fit material for a ro- mancist , says the Lovviston Journal It 1 was ever two hundred years ngontut moro when u young Brunswick lady of wealth , accompanied by her groom , galloped through on her way to Boston 1 There were no railroads then , nnd the stage or horseback wits the necoptod mentis of loco motion Miss Purinton chose the lnltor As she went her saddle girth brokoatul , no ono could bo found to ropalr the damage except young Andrew Wnlkor , who kept n little hnrhes9 shop in the villngo Ho was desporntoly poor , but dosporntely hnndsomo , nnd ns ho mended thu broken strap ho ittthosnmo tlmo broke our fnlr maids heart Ho , too , wn * stricken by the sott-snmo shnft from Cunld's bow It wns a case of love at first sight The sequel wns thnt ho earned ti home , prcssod his suit nnd v on his bride , nud both foil nslocp , full of jonrs and honor Tim Kinporor'n finltr Ilrentt , The 'Gormnn emperor Is fond of vnrl- oty even lu suoh small mutters ns his dnlly broad , Thus ho tnkos for break fast tt small white lonf , the top of whtoh Is powdered ever with salt , and which accordingly goes by the nnino of salt bun Alter It ho consumes n hnlf-ponny bun known the " . " , ns "Luccn-oyo. For his eandwlchos ho requires yet another kind of brond , mndoof the finest Vienna Hour , nnd baked till the outiido , which is nftorwards out off , Is quito black At dinner , with the soup , so-cnllod broth stloks" nro served Thov nro mndo after an Italian recipe , which is thu secret of the court bakers V , Paris W T' , Exposition , VTTWimmpf l889 > JL CcUTS obtained the only gold medal awarded solely for toilet SOAP in competi tion with all the world Highest possible distinction ? Instantly stops tlio moat oxciiiclntinBimlns ; never falls to jjlvo o so to the sufferer Tor PAINS llllUISUS , HAOICACIin LONOIISTIONS , 1NKAMMAT10NS , ItllltllMAT1S5I , NEI'llAI.illA , . . ' , , ' 8C1.VIIOA. HUADAt'lIRTOOTHACHE or any ether lAIN , a fowapplication * are llko niuglr , musing the pain to Instantly Hon A CURE FOR ALL BOWEL COMPLAINTS Internally taken In doses of from thirty to sixty droos lu half iv tuniulor of water will euro In a few minutes Cramp Spasms , Sour Stomach Oollc , flatulence , Heartburn , Colera Morbus Dyseu- try , lilarrlnoa , Mck Headache Nausea , Vouiltlui ; , Nervousness , Sleeplussuu&s , Malaria , and nil Internal palnj arising fiom change of diet or water or other causes i > 0 Cciitsm llotilr Sold liy Ilruccists 3 , , _ - - r- - | mumll For Sale by M. H. Bliss , Omaha , Nebraska j FIHAL OLOSING SALE 1 To wind up our Retail Jewelry Department I All Diamonds , Watches ; Jewelry , Silver I ware , Clocks , etc , remaininrr unsold at this date , i must go for what they will bring , I We oifcr , until store is rented , Every Article at a I Bargain Look at our Cheap Windows Auc- I tion prices Nowhere No use quoting figures No g reasonable offer refused on Art Goods , BriC-a- 1 brae , etc Price , em and takeem " Our extreme I low prices on Optical Goods , still prevail Gold I Spectacles and Eye Glasses , $3 and upward Fine 1 Steel Spectacles , 75c up , worth double ( Eyes tested I and fit guaranteed 1 N. B. An extra force of salesmen has been engaged 1 for this Special Sale , so all can be waited on | 1 promptly I 1 Store for Rent , Fixtures for Sale . 1 I MAX MEYER & BRO , I TL S SSii ffiiffiHiSfrSK i " ii inEii ffJ""SI3 , ' D * JACOBS Medical & Surgical Dispensary , Nos 101 to 113 So :13th : St O ItooniHlor Iatloiili Itcvcptlflii Itotimi nn mill 40 , Omiiliu , Neb rpv AIT ATTTV "fl'url" , ' " > " ' Kcrvoa , lletllltr 7/i't Manhood , r&illnir Memoir Kfbaiutlng ± VJ IYLiLj llLJZiiS DrainTitrrit > ! e Druann , lleiit nnd llnrlt Acini , ami nil Hie offecti lemllnit to earlf decay und i > orUnp Ooniuruptlon or Inaioltr , truinl aclimtlflcullr br now method , . Conialtulljii fcoo Cutarrh . , Itueumallim , l'otionoua flUctiarffo * . lotlky urtoa , painful hwoIUiiki quickly rulleTOfl an1 radically cure l. llliutrateil book , "Ulo'a Secret Krruia' * I etiala ftunil lor ( Juesllou frit on any l. 'urnalo Dlnoasa - - • 1 iWIiY ilJTVri'l'I IVC lliaceiuml Truitc Uoit faclllllf..apparatus nnd rcmoillea for tucoitful . . SJVjVJ1M.L1. 1 IjO troalimntof e rr form otaiji'a.u rnqulrlns Medloal or Surgical treatment , YVe makt aapeclaltr of Ilracoa , Trials..Club Keel , Curraturua ot bplnn , film , Turouri , Caner Kroocbltla Inbalatlon . Eleclrtcltr 1'arnlr.la , Kpllopay . , KUncj , Jiladdur , Bar , Hkln oud Itlood and all umlcal < V > ' tioua Hooka , and qucallnn blankafroa . TlTC l AQli't ' { Vlt XATfWrWK XUlRClAVtf Ilook , arculara and Qu.atlon llrt on N rf . . JJlOlVi'VOI'iO YYl7i > lliIN ! . ouaneaa Conailpallon Mauralala I iururrnLra ram III tLo back , I'rolapaaa Itort Plica , Fenalo Waakneu , Urapiptla , oain I'implaa aud all lilooil Dlaoaaoa Byptiilla Horofula , Ilutt llluoil , Bltln , Urinary Disoanoanml Gloot Cured rurljlfo BUILDERS FINE BMZE GOODS Of Every Design and Finish HIMEBAUGH & TAYLOR , 1405 Dougias St ETCHINGS , a II M % % iCTEMERSON , ENGUrVVlNGS , S MM aT MM ifaTHALLliT ic I ) A. VIS ARTIBT SUl'PLIKS y , | W0 MW iftTKIMHALL , MOULDINGS , J * WMmM r MM g.gjrPIANOS&OUOANa FRAMES , J # % PB UiTSHKliT MUSIC 1513 Douglas Street , Omaha , Nebraska
