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About Omaha daily bee. (Omaha [Neb.]) 187?-1922 | View Entire Issue (Jan. 22, 1891)
THE OMAHA DAILY BEE. THURSDAY , JANTJAKY 22 , 1891 , PUZZLES TOE PHYSICIANS. A RomarfcabtoOosa That Broika All Patho logical Precedents. > TEMPERATURE TOUCHES TWO HUNDRED , Jlfr.i. JlcIClntiej's Phenomenal Condi tion Promises to Create n Bon- nation In Mcdlcnl Circles Other Ijocnl News. A remarkable case h now attracting the attention of the physicians of Omaha , the equal of which is cot known la the history of medical lore. As compared with this unique pathological specimen , Pasteur and his wonderful Inocu ] atlons pale into Insignificance , and Koch's Ivmph simply "isn't in it. " The own is that of Mrs. M. McICInncy of Kearney , who has been n patient at St. Jo seph's hospital for the pait six weeks. There nro many romnrknolo features con nected with the case , but the most wonderful and the one that unites the doc tors who have seen it doubt their own eyes is the strange nnd inexplicable Jump ) m the temperature of the body , that sot ntnauRht nil the tlmo- honorcd notions regarding such matters and Binash the physician's standardized ther mometers by dozens as well. Heretofore the highest authenticated case of increased temperature was 114 ° F. , which was n cose ol sunstroke nnd was re ported by a I'lttshurp doctor in 18J nnd , of course , trio patient died. It in regarded as almost an axiom in the medical profession _ tljat when the temperature of a person reaches 11 101 , death surely results unless instantly relieved. Notwithstanding theto facts , the bodily temperature In this case leaps up to 171s F. on the Impulse of the moment , drops to 155 ° 1"to catch Us tircalh , and stays at i40 = F. for weeks nt a time. This revolutionary feature of thn case is what has completely nonplussed the local phrslclnns. Some of the doctors who heard of It declared that It was too ridiculous to bo Kiven any serious consideration. Others who talked in the "sntno way nt llrst , but who llnally went to look nt the case simply out of curiosity , were convinced after several visits that It was genuine , nnd that there was no humbug or Impositions about it , while a number who are unwilling to believe what they Imvo icpeatcdly soon. nro at n loss to know what to think about it , Those who at first were suspicious of de ception , nnd thoucht that the temperature was artlllcially raised , wcronotsatlslluduuti the patient was stripped of her clothing , ro- moved from her bed nnd seated In ron chair with a blanket thrown nround her , nnd the mercury was then seen to ascend to the f- point above mentioned. Other doubting - Thomases were of thooplnion that the woman purposely broke the bulbs , sending the mer cury to tbo top , but when It went up to any where from 12.1 = F. to 155 = F. in larger thermometers without breaking ttio bulb they liad nothing further to say exccnt to marve at it. So much talk was occasioned by the strange cose among the medical fratcrntythat ! n UKE reporter called uron the woman yesterday. and was told the history of her wonderful nnd unparalleled case. Mrs. McKlnnoy is an attractive little woman , something below medium slzo , of Blight form , light complexion aud with light hair nnd blue eyes , and is a refined and educated lady. Her face , on which the lines drawn by her great suffering nro apparent , still re tains much of its former beauty. She is twenty-six years ol ago , hut In the past four ycarahas-gono through "What few of her sex experience in a lifetime. Mrs. McKlnnoy was married seven years ago to a railroad man , and has lived in Loup City , Wood River , Chicago and Kearney. Two culldrcn have boon born to them ouo a bright little hey , who will bo three years old on the second of next month , nnd a plrl who reached her second birthday only two days ngo. ngo.Tho first tlmo that this abnormal increase in temperature manifested itself was at the tlrno the younger child was born , when it reached 1110 F. The attending physician thought that something was wrong with the thermometer , nnd these of halt a dozen doctors' were tried during the next two days with the same result. The patient recovered and no further trouble was experienced until the following November , when the woman was studying medicine at the Woman's mcdlca college In Chicago , She was nearly osphyxi- ntcd by coal gas In her room , aud a severe attack of pcrotonltis followed. She was Utton to the wo men's nrd children's hospi tal , nnd whllo thcro her temperature was . taken nt 125 = F. on several occasions. She was attended by Dr. Henry Byford. She was again attacked with periton itis on April a , of last year , nftor returning to her homo in Kearney. She was taken suddenly 111 and hnd several abdominal pains , followed Jby slight rigors. lr. Duckworth of Kearney , was called in , and after an examination concluded that tbo pains originated from an extra-uterine preg nancy , causing a general Inflammation of the peritoneum. The doctor discovered what ho supposed to bo a foreign body , nnd on applying bis forceps , removed a bone of a child , In appar ently about the fourth month of pregnancy. Several bones were removed , nnd the doctor then placed his thermometer under the arm of the patlont to note the temperature , and the mercury rose to the top , registering 112 = F. Believing tnatho had not properly shaken the mercury , ho again tried it with the same result. Ho- concluded that the thermometer was out of order , mid went out and purchased throe Hicks' thermometers. Returning , ho applied one under each arm , nnd to his horror the mercury In each rose to thn top , 112 ° F. This was more than ho could stand , and ho sent for his partner , Dr. M. A. Hoover , with instructions for him to briug his thermom eter. eter.A now one was tried nnd it immediately registered - istorod the same as former ones. Satisfied that all of the thermometers were no good , the doctors wired < Jhnrles Trunx & Co. of Chicago , surgical Instrument makers , to for ward a thermometer to register 125 = F. Within twelve hours of its arrival the fever rose again , nnd on applying the thermometer , the mercury immediately rose to the top. SHU they thought thcro must bo some mis take , and again wired Truax to send o thermometer to register 150 = F. , nnd to send with it a certificate that It was standard nnd correct. Repeated trials with that thermometer ot various times registered the tcmiKsraturo from 112 ° F. tolICi0 F. T > r. V. J. Gnlbralth , the local Union Pa- cine physician of this city nnd one of tbo most prominent surgeons in the west , was sent for , aud a statement ot those facts forwarded to him. Ho re fused to go , declaring that the facts were altogether too unreasonable , aiid stat ing his belief that the attending physicians wore being Imnosed upon. lie was repeat edly sent tor , hut as often refused to go , until ho was again telegraphed for on November 10. licliovlug that humbug and deception hnd been practiced , ho invited his friend and colleague , Dr. J. H. Pcabody , to accompany him , and also secured a thermometer of the chief chem ist of the Union Pacific , with a certificate that It was standardlzoannd correct. Ou tholr arrival , the temperature was found to bo 1 17 ° F. The doctors carefully examined the bed and all about the woman and were satis fied that thcro was no deception. They re mained until midnight , when the woman had a suvoro chill , and they then found that the temperature was rising. Tbo thermometer was applied under tbo arm. and in less than a minute it registered 145 F. It was removed and Insldo ol twenty minutes It was again applied , when it registered ' 18l = > P. , and in less than five nilnutestho temperature was 3 2-5 ° below normal. The woman was placed under the care ol Dr. Galbralth and ( removed to fat , Joseph's hospital , in this city whom she now is. Since her arrival here , her temperature has varied from 0 = bolo-.v normal , to 171 ° F. Since April 13 , last , she has been delivered of nearly 1,200 bones and pieces ot bonea oj foetal structure. About sixty of these have i boon removed by Dr. Galbraith and th ( others by the Kearney physicians before hoi removal to this city. Iliiiitor-Duvls. Mr. J , F. Hunter of Omaha and Mis : Kama Q. Davis of Chicago were marrlct ftst Monday night at the mldenco of the bride's sister , Mrs. Carlyle , 4019 Kills avenue , Chicago. They arrived in Omahn Wednesday mornlnirnt 10:110 : and will boat homo to their friends at 2017 Dodge street. THE PAU18 HU1T CO. Jackets , Stilts nnd Costumes. Wo Imvo purchased this bankrupt Block nt a great Bacrlfico and will plnco on sale on Mo n tiny. The goods are nil .now , purchased for this season's trade , and well selected , reflecting great credit on the judgment of the buyor. As usual wo will glvo our frlouda all the advantage of this purchtiEc. Ro- raombor Monday nnd look out for bar gains as good us you got from us nftor the flro , nnd goods in perfect ordor. N. D. FALCONER. STK1KI3IIS IlU.tlVIN' HOPKFUI/ . The Alflwanlcoo Tnlcurnphcrfl Claim They Will Win Their Fight. Four telegraph operators lately employed by the Milwaukee road uro in the city in the interest of their fellow workers who are on n strike. These operators have just completed a trip over the lown divisions of the Milwaukee , and their report of the situation Is very dif ferent from that furnished by the railway oRldals. The spokesman of the committee In a con versation with a reporter for TUB DRB made the following statement of the situation aud of the operators' positions nnd plans : ' "All the operators want in this matter Is a fair deal and wo have not been getting It. The reports furnished the papers have all been fnvorablo to the railroad company. General Superintendent Earllnc yes * tcrday issued a bulletin declaring that the strike was at an end and thanking the loyal operators for standing by the com pany. Later In the day he Issued an order to trainmen to-run on schedule tlmo and not to causa anv moro train orders than could ho avoided owing to the condition of the opera- ton force. "ThoMilwaukee has also announced that none of the .stations along the line are closed and that no student operators ore employed. This is not tho'fact. The station nt Neola was closed from Friday night until Tuesday morninir. The station nt Astor was closed nt 7 o'clock Tuesday morningand that utAsnimvall Tuesday morning. Stations at Viiiing , Dcdham , Dawson , Templcton nnd Manilla have all been closed at least part of the tlmo and most of them nro closed now. "The company Is employing students and scabs nt various points. At. ono plnco n man is doing duty who wus recently discharged by the company for stealing and crooked work. .At ono of the most important points on the Council Bluffs division at Manilla the work is being done by two boys , neither of whom has over had any experience In railroad work. At another station , Coon Hitplds , the division superintendent and the trainmaster have been doing the operator's work. These points are all in western Iowa , and there is just as much trouble on eastern divisions. "At Stone City , as told In THP.BKE dls patches yesterday morning , the oill cabas been clos.d and the citizens of the place refuse to allow any ono but the former operator to tatio charge of the ofllco. At Manilla , Manning and other points the fool ing among citizens and business men is running high and the now operators are experiencing the greatest difficulty In getting boarding places , whllo at competing points the merchants are threatening to turn all of their business to the Milwaukee's rivals. "Then , another statement of the Milwau kee ofllclals is wrong. They claim that only seventy operators and agents bavo gone out. The fact Is that over four hundred are now , out on the system , nnd the number Is being rapidly Increased. " "How do you propose to keep up the fight and what hopes of success hnvo you was asked. ' There Is a fund , " replied the commlttoe- mnn , "of more than wo need deposited weekly by other rail way nnd trade organiza tions for the support of the boys who nro out of work , and wo bavo no fears but that wo will make a wining light of it. Our greatest help will como from the euclneers. They are already getting scared at the prospect of baviug to tuko train orders from incompe tents nnd they will demand a cbnngo pretty seen as n matter nf self-preservation. "This Is no brotherhood strike or anything of the kind. It. Is simply a protest against having wages reduced to below the living point. Milwaukee operators nnd agents were receiving only from $30 to SH ) a month for their work , and when tbo order came to reduce this amount by 10 to 20 per cent the boys walked out , and every labor organiza tion in the country will support us in the stand wo have taken. " No cnrerKomedy can bo hod for coughs and colds , or any trouble ot the throat , than "Brown's Bronchial Troches. " Price 20 eta Sold only in boxes. SOUTH O31AHA SEWS. . \ Ilrnkcmnn'a Hand Manned. Guy Palmer , foreman of tbo Union Pacific switch crow on engine No. 1114 , whllo coupling cars got bis left hand between the drnwheads , receiving a bad mash. Several bones were broken and the flesh badly crushed. I. O. O. F. Hall Association. Tbo committee of the Oddfellows Hall as sociation mot Tuesday night and ordered an assessment of 5 per rent. Messrs. 3 , B. Erion , A. H. Miller and J. 0. Thomas were ap pointed a committee to look up available sltos , KOt terms and report at the mooting uoxt Tuesday evening. A. Ijady Badly Injured. Mrs. Franks , nn old lady aged sixty-six , living at Albright , mot with a serious acci dent Tuesday night "Whllo standing beside ) a waslitub a largo dog jumped up on her back ) knocking her over and into tno tub. She received a sorlous scalp wound and other injuries. A surgical examination rovoalcd the fact that she had three ribs broken and her right arm dislocated at the elbow. Mr. nnd Mrs. Goodman Entertain. Mr. and Mrs. W. H. Goodman , Twenty- second and J streets , entertained fricads Sat- vrday night nt high-live. Mr. nnd Mrs. Omar Stoddord , Mr. and Mrs. Hiram Hall , Mr. and Mrs. William II. Bennett , Mr. and Mrs. Thomas \Vhlttiesoy , Mr. nnd Mrs. James L. Jonas , Mr. and Mrs. Mrs. S. D. Uynear- son , Mr. and Mm. John D. Hoblnson , Mr. aud Mrs. J. B. Stnlloy , Mr. nnd Mrs. George A. Dcam and Mr. and Mrs. John E. Yates were the delighted guests. A palatable lunch was served after the games at cards had been played. Notes About the City. Mrs. Clifton , Thirtieth and R streets , died Tuesday night , aged fifty-seven. Mrs. John H. Wallwork , who has boon dangerously ill , is about out of danger. Larry Noonan , the champion beef butcher of the Cudahy packing force , has returned from Chicago. A. P. Urlnk , stuto bank examiner , has Just roado a business trip to thu city and ot course found the local banks in a flourishing condi tion. tion.Daniel Daniel Cash , ono of the pioneer grading contractors of this city , who has been doing railroad contract work in the Black Hills , is back visiting friends. Superintendent O. J. Collins of the Ameri can waterworks company U connecting the now house of Swift & Co. with a ten-Inch water main and is putting in two additional flro hydrants. Mayor J. B. .Loughran of North Des Moines , la. Some years ago he was employed in this city where they were printing circular * foi Chamberlain. Ho bad a deep seated cold nnij terrible- cough , and while sottlug up copy he made up bis mind to buy a bottlo. It curoc him nnd that was the first I over know ol Chambcrlaln'b Cough Kennedy , I have boor strongly in its favor over since. My own ox porleuco ana that of ray family convinces me that this remedy is the best in the world , That may bo utraug language but that la wtial I think. For solo by ull druegUu. THE INYBSniEHT FEATURE ( or MPi : 1N8U11ANOI3 POLtCIKS. Very few 'nccnLs or companies odor their policies today solely us n protection to the fntnlly , or lUvell upon tholr adaptation to that purpose , or urea them for that motive. Tie policies , or "bonils" or "consols" of tbo eager great rival * are offered as an In vestment to the taker , upon a fltturoJ esti mate of their future outcome , nnil nro urged for the personal proQt of the taker. In legitimate mutual lifo Insurnnco , Urn yearly death losses , expenses , nnd Itilorest earnings &ro carefully adjusted , and the re sult apportioned to each iwllcy , so that cnch person h yearly charged with Just the yearly cost of carrying his risk , and the re mainder of ins premium U remitted by way of a dividend. He thus knows the cxncbcost of his insurance from year to year , and pays that , and no more. llut the "investment policies , " "bond * . " "consols , " etc. , adopt a contrary course. The entire annual premium or "Installment" is to bo paid In full , without any reduction , for the entire "investment | ) rlod , ' ' ton , flftccn , or twenty years. No adjustment or appor tionment of losses , expenses , oronrninesls made during that period : no dividend de clared or paid ; no means of ascertaining what the cost of the operation is from year to year ; no means of knowing what the real outcome of the speculation is likely to ho ; for no statement of account can bo called for by any person , eitherdurlngtho "Investment period" or at its close. TUo holder of the policy or "bonil" or "consol" has to bind himself in advance irfhis application , to take -whatever Is Riven him as the proilu of his venture without account or question. IS THIS IXVEST.Mr.XT Sl'KCULATIOS. Investment , la the proper and conserva tive sense , means putting .money Into n scheme of use , the expenses , profits , and losses or which are well foreseen , the lluctu- aliens capable of reasonably safe predeterm ination , and themselves , therefore , capable of being so weighed and balanced that a profitable result can bo forecast within a safe margin. Speculation means putting money Into a scheme , the expenses , profits , and losses of which uro not well foreseen , or are likely to lluctuataso irregularly , widely , and imcoii- trolably that they cannot bo truly weighed and balanced , nor the outcome brought into any margin of safe calculation ; a schema In which pain unil leas are alike possible , nnd nliko uncertain both as to tuo fact nnd the dejrrco of cither. Investment knows and wcltrhs the chances and ascertains the b < uanco to bo safely on ttio right side. Speculation does not know and cannot welch the chances , but simply takes them. HOW CAN A 1.1 riJ IN9UHAXCK COMPANY MAKU MOXKYl It has two things to do : It Ims to pay losses and expenses. It charges a premium calcu lated to cover the loss nnd expenses. It knows from its mortality tables what the losses willbe , , within a sufo margin : It tnnkes the expenses much or little as it chooses within certain limits. It estimates a per centage which they ought not to exceed , and adds that to the premiums charged to cover death losses. Out of these i/reuilums the company pays its yearly death losses , Its expenses , and also furnishes thd reserve to urovido for the greater mortality when its risks eet older and for the maturity of the endowments. This reserve it can invest until it is needed ; and It U therefore calculated on the assump tion that it will earn souio certain rate of In terest while held. If now the death losses have been less than the table called for , nnd the expenses have been less than was provided for , so much of the premium will have bccu saved , and can bo returned to the insurer. But it is not a profit to him. It is simply a saving from the anticipated cost of carrying his insurance. But his insurance is an expense to him Just as his fire insurance is. The premium returned to him is a reduction of the expense , not a profit. If the rate of interest earned is greater than that assumed , the oxcesss Is in the na ture of a profit. For example , if the com pany assumes that each man's ' reserve Is going to earn 4 per cent , and it does earn 5 per cent , than it puts the 4 per cent into the reserve anil the extra 1 per cent is surplus nnd can be turned back to him with the sav ings from losses and expenses. This surplus interest is usually called a profit , and is la the nature of n proQt , though its actual usols merely to reduce the cost of cnrryingtho in surance. It is , however , the only prollt thcro Is'to the insurer. "All else is cost of insur ance : paving expenses and helping pay other people's losses until one's own time comes when others will pay that loss. How can this operation bo converted into a profitable investment for thohisurer himself ? It protects his family and Is therefore In dispensable ; but how can he make money out of HJ EXAMPLES. Several of the great companies are offering under different names the same "investment policy , " "oond , " etc. For illustration of the whole matter wo will select what is in fact a twenty year endowment policy , with no divi dend until the end of the tw only years. THE ESTIMATED ADVANTAOE. Take a man aged thirty , Insuring for $10- 000 ; bo is to pay twenty premiums of $490 each. The policy contract Is to pay him $10- 000 If ho lives nnd keeps uphis policy throuph the twenty years. But the companies "esti mate" that by leaving all his savings and In terest curnlngs with them all that tlmo , they may pay him an additional $7,080 : or a total of 817,000 , which wouU bo equivalent to com pounding his payments at4.93 percent. HOW CAN TIJIJT DO IT AND 1'A.Y EXl'KNSnsI This rate of Interest , 4.03 per cent. Is moro than the average rate these companies are now earning on thoirassets. But , osldo from that fict , the expenses of the business and tbo death losses have llrst to bo paid. In these particular companies the expense ratio is about 20 per cent , or ono-ilfth of their entire income. Out of every dollar of premium and every dollar lar of interest , 20 cents is taken for expenses , leaving only 80 cents of each to pay losses nnd provide the flnal payment. That is , out of each premium of $490 these companies can use for the fulfillment of tholr contract and "estimates" only $300.80. This would have to bo compounded at O.S3 per cent to produce the estimated ? 17,000 , if no expenses came out of the interest ; but one- lift h of that ROCS to expenses also , so that to realize the f 17,000 ana pay expenses , the pre miums must bo compounded at 8.5-1 per cent , or greatly moro than the rate they are now earning. now MUCH CAW TIIBT no ! These companies , under present conditions , can hardly hope to decrease their expense ac count or to earn more than 5 par cent Interest on their assets for the next twenty years. Assuming that they are certain to earn that much , and taking out 20 per cent of premiums and of interest for expenses , and providing for expected losses , the result nt the end of the "investment period" would bo just ? 10.8ir , instead of the "estimated" § 17,0(30. ( a shrinkage of $ ii,243 ; a result not equal to the premiums compounded at 1 per cent. In what sense can this bo called a profitable investment - vestment for one's self ! How can any purely financial operation one that Is not a manufacturing , mining , or otherwise pro- ductlvo business adventure that has to bear such on expense account , bo considered as a profitable Investment ! nOW CAN THEY MATCHUP TUB SlUUN'KAaU OF to realize which would require them not only to do business without any expense at all , but also to earn for twenty yours a greater rate of interest than they have any reason able hope of doing i TUB KXACT UFFZCT OV THE EXPENSE ACCOUNT Of TIIU INVESTMENT. Tbcsa companies , having to use ono-fifth of every premium and interest payment for ex penses , and earning , say even 5 per cent In terest , can bo certain of producing no more than 10.817 In twenty years. A savings bank paying Its depositors 5 pet cent interest , after paying its slight ex penses , could take the satno premiums , pay the same losses , and return at the cud of twenty years ? 1B,907 Instead of $10,817 , A savings bank paying only 4 per cent In terest could tuka the same premiums , poy the s.uno losses and return at the end of twenty years $14.174 Instead of the Ufa Insurance company's $10,817. TUB WHOtK TlltTIt 13 that no financial operation which bits to bear llfo Insurance expenses can or ought to be called nn investment ; nud that no man can Justify his Judgment us an Investnr'whon lie pays lifo Insurance expenses for the accumU' Intlon of his money , or for any other purpose than providing his family the protection they need and cannot get oihonvlso thau through llfo Insurance. It la u financial absurdity. But tlio question still remains : how dc these companies which spend one-fifth ol Continental Clothing House SPECIAL DISCOUNT SALE OF Oeropts and Ulsters. j r I * 20 PER CENT DISCOUNT. A bona fide discount of twenty per cent means more to the purchaser than some of the absurd offers of goods at half price and regardless of cost sales. Such clothing as the pub lic wants can't be sold for half price. A discount of twenty per cent will be allowed at the desk on . every overcoat sold this week in the Men's and Boys' Department. Every lot is inclu ded in this sale. We have many moce overcoats than we wish to carry over , and have adopted this method , knowing that the discount from our already low prices will make this the most important sale of the season. Men's Overcoats , 20 per cent discount. Men's Ulsters , 20 per cent discount. Boys' Overcoats , 20 per cent discount. BOYS' Ulsters , 20 per cent discount. Boys' Cape Overcoats , 20 per cent discount. FURNISHING DEPARTMENT Special Sale of Pine Wool Underwear. This week \ve place on sale the balance of our winter underwear. In fine grades we have carried a larger stock than usual this season , and the mild weather has affected the sale pf heavy underwear. We are determined to close out the bal ance of our high cost grades , and have named prices that ought to interest every close buyer. FREELAND , LOOMIS CO. I jhelr entire Income for expenses nnd can cam : ertuinly no more than 5 per cent for the next twenty yonrs , and so cannot safely promise to return moro than $10,817 and really do con- : raet to return only 310.030 expect to niako .lie § 0,243 moro than their true apparent nbll- ty to earn , and $7,000 moro than they dare : ontract to pay ! TIII3 19 Wliniin THE SPECULATION COMES IK. And it is this : they k'now that some will die during the twenty years ; they expect that some , possibly a considerable nuinuor , will have to lot their policies lapse during that tlmo , some of them"porhaps , after mak- 'ng largo payments. So it is ngrcod : hat each policy-holdor will leave all his surplus earned on his policy year by year wlh | the company 'ortwenty years ; if ho dies during the tlino , t is to bo forfeited tex the company ; if ho .apses , it Is also forfeited : , nnd there is for feited , besides , nil of his' reserve unless ha applies for n paid-up policy within six mouths , in which cnso he forfeits about ono-thlrd of his reserve in oddlttou.to all his surplus. This Is the spoculatiohj hnd , for the sake of it , the insured pays each year more than tho-yearly cost ol his insurance by the amount of surplus earned or sayt-d , and runs the risk of losing it all if he die's1 or Inp'sos : "and ho also runs a risk of losing It all , or a consider able Dart of the paid-up Insurance which ho would otherwise not for his family In case of lapse , In the hope that ho won't die or lapse , and will share the forfeitures of these dying and lapsing ; and in the hope that these for feitures will bo so largo that ho will make money thereby. Evidently this scheino is totally opposed In solrit to true 11 fo insurance , and could not bo understandingly engaged in bynnyman so licitous for the thorough protection of his family , or at all scrupulous about stripping other families of their protection , or by ono at all careful to pay for his Insurance only1. what it costs , or desirous of knowing what it is costing year by year. But cranting a man's willingness to specu late with family protection , for the sake of n result which , if realized , is only 4.93 per cent annual interest on his payments , WHATAUB THE FItOUABIMTICS OP SUCCES31 Wo can Judge only by the past. Two of these companies have .been engaged nlmost exclusively In this speculative llfo insur ance for twenty years already. For nearly oil that time they forfeited nil the re serves of Inpslnij policies as well as nil the surplus. But they arosottllng now the sur plus on policies which have received , or are supposed to have received the forfeitures of the entire reserves and surplus from lapses for the last twenty years ; and the surplus being now paid is only about 50 per cent of the "estimates" of surplus on which those policies were sold twenty years ngo. Either the forfeitures have been much loss than was estimated , or else the expense account has overcome the speculation ; ono or the other. But these companies now profess to forfeit on policies now being written only about ono-thlrd of the reserve Instead of the whole of It as formerly. Yet they are "estimating" that the results of these policies twenty years hence , which canshnroin the forfeiture or only ono-third , will bo ns great as are the present results of the policies which are shar ing in the forfeiture ot the whole reserve for thoflnst twenty years. They estimate that a part will produce as much ns a wholo. The old "Full Tontine" policies In which nil re serves as well as all surplus on lapses were forfeited arc yielding : only 50 per cent or less , of the "estimated" surplus. And this 50 per cent result on Full Tontines is now used us an "estimate" of the probable result of the semi-Tontines which nro to forfeit all the surplus but only a third of the lapsed re serves. For nil these investment policies , "bonds , " "consols , " or whatever elsethey may bo called , nro merely varieties of Tontine orsoml-Tontino. How soml-Tontlno is expected to nccom- pllsh. ns much as Full Tontine haa never boon explained. The expenses are increasing ; the forfeitures can hardly bo expected to bo greater , and a much less proportion of thorn goes to the poor , nnd cWtnlniy the rate of in terest is not likely to-lncrcaso In the next twenty yoars. v , The true question would soera to bo this : if the old Full Tontine estimates based on full forfeitures have received only one-halt the expected surplus , why 4 ? not an equal sluiuk- ego to bo expected in the results of present 'estimates" or "UlusUjVUons" whicn nro themselves the disappointing results of the old Full Tontines , and 4vhlch must bo real ized , if at nil , from only partial instead of full forfeitures ! , How can partial forlouaros produce ns largo a surplus ns full forfeitures ! And It Is forfeitures alone that can make those ) policies an Investment to these who don't hnnpon to forfelt7fOr the expense no- count kills the intercsfacpount. Or. apply the test of j history to this very policy ! , The old Full Tontino'cstlmnto was that the entire cah value at the end of twenty yean would bo J3V > 00 a surplus over the fncool the policy of $13,500. But the actual surplus settlement Insight is if no further shrink- are takes cliico such as has boon constantly potnyon $7,000 instead of tbo $13,500 prom ised to the hopo. And now the $7,000 result .of u fl00 ! Full Tontine estimate u used as a soml-Tontlno ostlmato foi twenty years bonce. If.lt has as good luoli ns its predecessor It will settle nt about | 3,07C instead of 17,000 , making a total settlement of the policy $13,070 Instead of ? 17OGO , ; this Is less than UX per cent on the premiums paid in , and to attain oven this tbo companies must depend on forfeitures equal to " poi cent compound interest on the premium : paid. Is that a speculation worth hazarding all 01 any turt of what one pars for Insurance- and making hla family hazard losing it I JACOB LJ. Gitsu.NE , President. IlAHTironn , Jan. 12 , the Connecticut Mulua Llfo Insurance Co. THE STANDARD COCOA OF TIIE WORLD. C4wr ? wwrjwuvr w * w wwwv ! The Standard Cocoa of the World. J A Substitute for Tea and Cofleo. m \ \ Van Houtcn's has fifty per cent more of the dash-forming | elements of cocoa than is obtained by the best processes of other manufacturers. VAN HouTEN'S COCOA "BEST & GOES FARTHEST. " Doctors and analysts of the highest standing all over the world , certify to this immense saving , and by VAN HOU TEN'S special process only can this be attained. HODTEN'I COCOA ( "onco tried , tlnayamed" ) poigeuei the gro t adrantaKO of Is.ivina no Injurious elfectn on the norounstom. No wonjor. thotoforo , that In Ml parti ot the world , thliwnor'i ( Cocoa ! i recommended by modlciil men , Initeutl often cnffuo or other cocniia or chncolutcn. fur dully unoby chlldrvnor uiluUa , tmlo ami Ick.rlchunil poor. Aik forVAN ItoUTEN'SMidMJtinJofA/r. H l'.ll'KIXG IXMSMtESTH. A Slow Week , Though a. Gaining Ono Over r/n < e Year. CINCINNATI , 0. , Jan. 21. fSpoclal Tele- pram to TUK BEK. ] Tomorrow's Prlco Cur rent will say : The nggrogato movement of hogs in the west has boon decidedly reduced the past week , although moderately exceed ing the correspond Ing period last year. The total packing is 480,000 , against 025,000 the preceding week and 450,000 last year. The .otal from November 1 is 5,030,000 , against ,005,000 a year ago. The leading places . compare as follows : Cltloj. 1399-91 1839-00 HllCMO 1,010,000 1 , 0 ! 0.000 CnniiuCltr C70.UUU 475,000 ) mMm 3TH.OUO ndlnna polls , . , 219,000 220,000 ; mclnimtl 211,000 23.1,01)0 ) Milwaukee 213,0 JO 2IH.OUO Ht-LoulH 1HOOO 2.poooa llouxCltj 17.1,000 22IJ.UOO ; etlarlU | > l < ls. . . 1117,000 159,000 /'lOTOlHllU 17.1,000 7H.OOO Htumvra 111,000 81,001 Nebraska City 81.000 CO.OOO How to IJrunkllp n. Sovcro Cold. From the Virginia City , Mont. , Madlso- ninn : When wo llnd a medicine wo know to TOSSCSS genuine merit , wo consider it a duty , mil wo tiuco plcasuro in telling the publio what It is. Such a medicine we found Cham- aorlaln'3 Cougti Heinedy. By the use of this syrup wo hnvo relieved' , in a few hours , se vere colds , and In the course of two or three days , entirely hroken them up as has several of our friends to whom wo have recommended , t. It is all it is represented to bo by the mnnufaetuiers. If you have a cough and want to stop it , Chamberlain's Cough Uom- cdy will do the work. For sale by all drug gists. Marriage L/ioonses / , The following raarriogo lieoiuos were is sued by Judge Shields yesterday ; Name and address. Ace. j Charles Hon. 42 Omaha ( Mrs. lluttlo Grnl.30 Omaha j Martin.I.Oollston,27 Council ItlulTs 1 Edith Nichols , Id Council HlulTs j Illriiin II. lUtes. 23 Omaha ( MaKRlo I'osul7. . . . . . ; Omaha j J. A.Mllllgun. 30 OmnliB I May II. rorguson , 24. Omaha j T/nfuyutto.Johnson , Zi Omaha | Hannah Johnson , 24 Omaha Several yotirs ago Chamberlain & Co. of DCS Moines , la. , commenced the manufacture of n COUKU syrup , believing It to bo the most prompt and reliable preparation yet produced for couKhs , colds nd croup ; that the publio appreciate true merit , and In time it was cer tain to become popular. Their most sanguine hopes hnvo been moro than realized. Over three hundred thousand bottles of Chamber lain's Cough Remedy are now sold eacn year , and It is recognized as "tho best made1' ' wherever known. It will euro a severe cold In less time than any other treatment. For sale by nil druggists. County Court. The Milwaukee brick manufacturing com pany sues Richards & Co. in the county court for $ .140 , materials furnished. Nebraska Savings and ExclmnRO hank sues J. E. Curtis and others for (100 on a note. SWIFT'S SPECIFICS. S. S. ME ENTIRELY OF MERCURIAL RHEUMA- ( P\ ° ISM AFTER ' WAS ( I ' ' r\ MADt PHYSICAL WRrCK. WRrCK.H. H. LYLES , SORENTO , ILL , ft.000 WILL BCPAW TO Afi WtfO WILLFINDON AHAUilSOF iWIFJ'i SPfClflC-3. 3. 3. , OHEfAKJICU OF MM- cu/rr , IOD/OC orporASfi air x/vr / POISOH- I WAS CURED v > ' BY SWIFT'S SPE CIFIC S. S. S. OF r THE WORST FORM OF BLOOD POISON D. H. KAIN , MT. VERNON , ILL High Grade Clothing IpT , NO. 1. We call special attention to a lot of about 50 dozen Nat ural Wool Underwear , in regular sizes , full finish goods , sold all season for $1.25. We will offer at 750 each , and repeat that they cannot he duplicated for less than $1.25. They arc fine goods , suitable for any gentleman's wear. i I.OTKTO. 2. Fine White Australian Wool , Price $1.0O. We place this lot of 75 dozen of the finest quality of Wool Underwear , such as we have sold all season for $1,75 , , all new , fresh goods , in regular sizes , at this sale for $ i.oo each , and if not found as represented may be returned and money cheer fully refunded. MAIL OBBERS. Mail orders will be promptly filled on either of these lots this week. Send for a suit of these goods with the understand ing that if they ore not found to be just as represented they may be returned at our expense. Odd Garments. Prices 50c , 75c and $1.00 Special attention is called to a quantity of Odd Garments in Fine "Wool Underwear , broken sizes , some lots have shirts only , and some only drawers. They are all high cost goods , sold all season for $1.50 to $3.60. They will be closed at this sale for 500 , 750 and $1.00. You must come early on this lot. They won't last long. FISCHER'S ICE TOOLS. Double Markers. Plows with Lift ing Cams , Tongs , Bars and Fischer's Improve dice Hooks. SOLE AGENTS. Omaha , 1405 Douglas S.t FOR SALE Sly Pnlntlnu nnd Paporhnnelng business. Kstnb- ullihoU ISii ) . Han n veil rolcctoil ( tuck ntVull Taper , Wall Mouldings , Paints , Hruihos , eta. P. WINDHEIM , 510 S. 10th Street , Orrmha. HOME CURE FOR MEN Men who nro lacking In vital force and vlnnr , or are Mcult amlnertou * from nny cause , scmlnt once for sealed Information , FUKK , of the New Common Nrnse Home Cure. No clectrlo non. tenso. Ho ntomacli UrtipRliiR. Certain euro for all Wcnkncsnes ot men. Address Albionl'l.i > rmucyl'Q.Hot : > A. Allilon.Mleh. BRACE UP ! Wenk men , with brnln , nonros nnfl loxtml orgnm Impairedcan tlndan nbsolutoturoln NEIIVK IIKAf.8. They inuko old men young. lvo tire iml vigor to ox- linuitecl youth , dimblo life's Joy. II porbor , poitnnld. I'lunnlilotfroa. NKItVK liKAN CO. . IIUVKALO , N. V Bold by Goodman Drug Co. , 111 ! ) Karnniu Ht. , Omaha "FRENCH SPECIFIC. A POSITIVE andporrninent CURE lor all dl.e.i.1 oTlheXJrTlNARY ORGANS. Cures whore othertreaTmenttalli.FulldlrectlontMilh each bottle. Price , one dollir. Set signature- E. L STAHU For 8ale By All Druggists. ASTHMA CUREDi Cchlffinacn'o A thm Cure nnttfaili to jlro a iiutunt Tthriu tta wont cM f loturci com * nfortatil * iU p ) cHct cures vtiro all cth n fait. A ttnal cmcinra < A moil lUftkal , 1'rlM.0 rtrind 191.00 , of Drnnttii r hv malt. 8 mpl FJIEE for litamp. Bit. R. BOniTFMAHH. St Pant. Minn. TO WEAK MEN BufTorlnn youthful the effect erron from * ol early doc T , wastlnp wcalcnoru , lost manhood , eto. I will BcuJ n valunf.lo . truatlM ( m-ulodl containing full particulars for Aomo cure , I'll IMS of charea Akplondld modlcMvrorki Bboulil l i read byvvurj man who la nrrrnm ami dclillltati'd. Adilrcaa 1'rof. I'.O. l'\VLii , ? IoodtiB , C'ouu "VTr"'l " " ' illorpliliin * "U" I'Tfi/tr Ilnbll 1 Jt JL SJ j3 jLeur dfaloto30Uyi. \ J HopajrUlUuMa.DB.J BIIFUEBi.I-.binon.O. FEMALE DR. J. E. McGREW , THE SPECIALIST. Mora Than Fifteen Years Experience In ths Treatment of A euro li guarnn- PRIVATE DISEASES toc'l In from thrrt to tire tlojr * with out Hi a loss of nn hour's tlmo lontly curort without STRICTURES Instruments ; no cut- _ . no lillatlntf. The moil rcmnrknblo romeily known to modern nclcnco. Cured In .10 to K ) days. Dr. Mo- SYPHILIS ! ( Jrow'.i Irontniont for llih tcrrlbla Mood illsufLao Ims hcun pronoiiuccd tlio nuxt poworfnl mil ) auccuaifiil rcnieily iror dli- covorcU for tlm nbaolnlo euro of tills ill ei\o , III ] UCOSB with tills illncnso linn uovor boon ' AcuraptclooiiroiitrAitA.VTiini ) . nnd nil wcnknons o ( LOST MANHOOD ortfQQMiorT . nnd nil un- Mural dl'elinruni , nro absolutely cured. Keller Is ImniOillalonnct complelo. OlrMU niPCIO CO KhomrmtHm mid nil dl > - tSMll HiNrAt\tiS oiuoiof tkotitoid. ll er , kunoynimd bladder per manently curi'd , FEMALE DISEASES < Ilnrronnoia llseain of tbo and ntomncti or blnddor cured. The Doctor's Homo Trojtincnt forLndlci li truly a complete , convonlont nnd wnndorbul romodj. IMIJ1UB fruiu 2 to I ONLY Hook free , ' marvoloui nncco'a liai DR , McGREW'Si for him n reputation which Is truly national In olmrnctor , and his great armr of pulli'iits roiichoi from the Atlantic to the Pnclllc. The Doctor Is a Braduatoof "UEOULAU1'moillclne nnd has had long itndctirefiil oxporlotico In hONplrnl practice , undti clo-iacil araonit tlio leading specialist In modern science. Treatment by correspondence. Honk or circulars about each of the above dlsoaaoa , Film. Office , 14th and Farnam Sts. , Omaha , Nob. Kntrnnca on either street. DR. IIOUU'S BUTTLE VEGETABLE PILLS CURB i iicnilrtclic , f r Coi.Htlpatlon , Indication & y ) BILIOUSNESS , j ' * * uboro and ' 'ver'and ' . -thcr dlior. 'derm. They an. , Stomach & / juffarcoiiteu.aft . - < ( C < "iiplaint8. 'not Urlpe , v rr , s & & _ nmllvOky tu tukf < 'nnd purel ; rcccU * M /fit of vi'KC'talilfs In. /dlfrenous to c&llfnrnU. /Try tlitm.15 plIU la , cacfi vial. Sick , Headache l iA > oluteljr cuieduy . iiUn Tlnli B for (0 ortiU , , 'orO for l. PoriilebydruKfcliU , 'ortiy mall. Addrcis I KOBE'S MI01TIU M. , PROP'S. ' SA FMHCISCO ttk FOR KALR IN OMAHA. KII1. ! . 11V Ktftn & Co. , Car , 13th A Douglas Streets. J. A. Fuller & Co. , Cor. 11th & Doughs Streets. A. I ) , i'oiter ft Co. . Council IHudB , Iowa. AND * RiNCiP t nnucoisTs rvtRYWHtnt. DELC. WESTS NERVE AND BRAIN TREATMENT , Srwdflo for flysterltt. Dliiln snt , Kournlgla , W/ik ( ultiMi. Mtntal IwprMilqn , bolunlni < o ( trio Drain , rulilnir In luinnlty ad liullnK to mlinry dw r un4 dosth. Prcmatiiro Old Ago , ] larr nnr . Lost of 1'oirsr inolthor SQX , Involuntary Losiei , and Bpvrmitorrbaa oauixl ljr orr-ei ttltM ot Ina br lo , ruirrbuia or over luaulffence. fcacli box contains ona month' * trtafe rnent. tlibos , nr MI for 85 , i nt Ly mall prepaid. With cacti order for ill boivi , will nnd purchaser fnitranttto to refund ucniiy If tlio trealmentfailJUj tor * . UuaranteMtssuvdajiilccnuine told only Lr GOODMAN DRUG CO. , - Om ha N b , ELECTRIC BELT M unions wait i i KJI-tlU ( LtCTjtl. MIT ADD Sy . orlllUJMI. 'iaTJfculKT. . ll.d. for Ihl..itl0o puf r i > , Cun ol Uriunllr * Wi > lni > n , ( Itlni Until , KM , H lk. Int. C.ull. . . . . Urr li r eiMlrlellv Ifcron.h .11 will PlllTH. rillarlm thtm to III1LVH J YM.IIKUlHtT'KK.IttTIi Kl.ilrle Urr l fill l > tiillf , or ftrf.ll JS.CW ID ctik. HIT d ) iptMrf CoxplfU ft. l > 4 > . Uonl ei.ri I'm nurntlr ( rr.l In llire * luonlhi. HMtlr4 itnpliM KrM. ° \NUEN ELECT JUO CO. , l 8UH.IUit. ! . CHICA10.il I. WINTER RESORTS , HUNTSVILLE , Charming Winter llcsort in tbc Highlands HuntsvlllcUotcl.SubstanUal.Elcgant.Nevi . . . HAltVlCV H. IHCNISON , Ua UVHU.N If , ilBMSON , AJt'.iUul.
