| 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
