HONEY FOR THE POSIOFFICE
Eonnto Passes an Additional Appropriation
for Omaha's ' Building.
PRESENT PLANS MAY NOW BE CHANGED
Itntrmc'Mt of din .Hiiprrt Inlnir Arrliltt'ct on
thr Sulijcrt It Now Ill-ill with Hop-
rrii'iitntltn Itrjini to I'tinli tint
nt'iiBU' opTiir. BET , )
r > ii : otjiiTunNTit Hriinnr , V
WAIIIINCITOV , I ) . C. . Fob. 17. 1
This afternoon , nftcr lUo acnato had passed
'Mi bill Increasing to the extent of fSOO.OOO
Vha ppropnaUon for the public bulldliiR nnu
stto at Omnlm , maklnt ? the appropriation In
nil even $ JXX,000 ( ) , Sen.itor Mnntlowot. slated
\oTiiK Hiu : correspondent that ho bcllovod
\vlth proper effort on the part of Ucpresenta-
'tlvo Ilryon thn measure could bo Rotten
through the house In plenty of. tlmo to eimblo
iho supervising architect of the treasury to
niter lila ulans.
The senator then snowed Tun BF.B corro-
hpondcnt a loiter which had boon received by
Ctmlrman Stanford of the sonnto comuilttuo
ou public bulldlncfl mid grounds , wrlttou a
few days ngo by Supervising Architect
Jidbrookoln Vhhlch that oniclal says of the
jiropniitlon to increase Iho appropriation by
the adoption of the bill whiou passed the
nonntu today "In view of the fact thnt tlio
phins of the building huvo been so fur com
pleted s to permit of the publication of ad
vertisements for the completive proposals
for furnishing nil of the labor and nmtorlals
required to complete the foundation ! ) , baso-
inent and urea walls , Iron beams , columns ,
otc. , which are based upon the plans which
Imvo been prepared minor the present limit
of cost of the building , viz. , $ SOUll)0 ) ) ,
nml the provisions of the net of
March U , Ibh'.i ' , and the several federal
statutes proscribing the limitation within
which contract liabilities can bo established , It
Is respectfully suggested that whatever no-
lion congress may deeido to take In regard to
rxtom.itii ! the limit of the cost of the buildIng -
Ing should bo taUim as early as possible to
avoid delay in the work for the reason that If
the limit of the cost Is extended It will ho
necessary to modify the drawings so as to
provide such iv building : is can bo erected un
der the extended limit of cash referred to. "
The supervising architect then calls atten
tion to his reference to the proposed exten
sion of Iho appropriation made in his last an
nual report and his statement that a further
appropriation of f-tOO.OIX ) would bo asked In
the forthcoming sundry civil appropriation
bill to carry on the work during tlio next flf-
teen months. The supervising architect
nsks that what ho suys In this letter may not
bo taken as u recommendation for thn uddl-
. tional appropriation in tha bill passed by the
sonnto today , but merely a statement of facts
Krport nn Hie KiRht Hour l.iuv.
' Senator Carey from the committee on edu
cation and labor today Hied an elaborate re
port on the bill for the adjustment of the ac
counts of laborers , workmen and mechanics
under the eight hour law which is of special
interest to Bins readers In Nebraska -
braska as well as Wyoming. Ho states
that under this law passed twenty-
four years ago but few account * have
lioon adjusted ; that a great wrong has been
done by those who wore compelled to labor
ten hours for a day's work when the law
only required clcht hours employment ; taut
! t was the intention of congress that eight
hours should constitute a day's labor.
"It Is not worth while at this late hour , '
Senator Carey says , "to discuss the ex
pediency of such a law. It is sufficient that
it exists and there Is no reason why this
large class of citizens who are entitled to
full compensation for tnolr labor should bo
deprived of their right to bring their claims
toctoro a court of claims and have their ac
counts adjusted and p.iid. A bill authoriz
Ing this to bo done would olny do tardy Jus
tleo to tln'.so men. "
Of Interest to Veliriislmiis.
This measure , if passed , will affect the In
terest of many persons who have worurd in
quartermaster's depot in Nebraska and Wy
oming , besides these who have bean employed
In the government arsenals , dockyards and
( run em I Improvements under the direction of
the government. Ttio eight-hour law was
enacted on Juno" ! , 1S08. and is in the follow
ing words ; "Eight hours shall constitute u
day's work for all laborers , workmen and
indchnnics. who may bo employed bv or on
behulf of the government of the United
States. " ( Section 3T.J3 H. S. )
Great diniculty has been found in securing
compliance with this statute on the part of
onio of the executive oflicers of the govern
ment and In the War and Navy departments
especially. Claims have from tune to tlmo
nrhen on the part of the wugoworkors em
ployed by the government for labor rendered
In excess of the daily eight hours which by
law constituted a full day's work.
"Some of these claims have been paid ,
continued Senator Carey , "whilo others re
main outstanding and from time to time they
ore pressed for payment. The object of this
bill is to refer thn whoio matter to the court
ot claims for adjudication on the theory that
eight hours constitute a day's wont , and
that each eight hours labor performed shall
entitle the worker to receive pay for a full
day's work. "
.SI nil x City & I'lieltlr I.nlicl * .
Secretary Noble today afllrmcd the de
cision of the general land nlllco rejecting the
attempted listing by the Sioux City & Paclllo
Railroad company of an aggregate of Sfl'J&
acres selected by the agent of tun company
In May , Ibb4. In the Neligh land district of
Nebraska. It is hold that the seventeenth
section of the act of July ' . ' , ISlll , made a now
grunt for this line upon the same terms and
conditions as contained In the grant for the
Union 1'uclllc , but the requirement In the
matter of tiling a map of the Konoral route
upon which a withdrawal was to bo ordered ,
was not a condition attached to tbo grant.
The secretary says ho ls further strength/ *
oncd in this position from the fact that as
the road was short but 101 miles long , and
was required to bo upon tbo most direct and
practical route there wns'iio reason for the
tiling of such n map. Ho therefore holds
that the entrloi were properly allowed and
bolng uncancollod at the date of the doflnlto
location of the road , they served to defeat
tlio grant , therefore the decision rejecting
thn attempted listing by the company Is nf-
hrmed.
MiiiciilliiiH'imii.
T. Young was to oy appointed postmaster
of York Center , lowu county , la. , vice P. O.
Iliirrington , resigned , and C. C , Bucknoll ut
Alvo , L'nrr county , Nob. , vice H. Cashnvr ,
resigned.
Upon tbo recommendation of Son u tor Man-
derson CommUslomir Hiium today appointed
the following pension board recently estab
lished at 1'endor , Thurston county , Nob. :
Drs. ( iarncr and John Stout of I'endor and
Pr. M. U Ulldroth of Lyons.
Kugeno A. Dye of Mlllotto , S. D. , is at the
Johnson. _ 1 > , s. H.
Wf" > tnrii I'uiisiniii.
W.\sniNiTOV. ( D. C. , l-'ob. 17. f Special Tele-
from to Tun BHB.J Ttia following 11U of
pension- granted i roportoa by TUB HKB
and Kxnmluor Bureau of Claims :
Nebraska ; Original Uiohcson Walter ,
Jut.iv Bouifhinan , William H. Walter , Hiram
I , . WUber. James H. Clspp. 1'ator Kamp ,
r.lljau O. Kiucad , Kdward I > . Otllotto. Jumna
Roll , Thomas M. I'cntzon , 1'etor Wnlkcr ,
lirne l H. Hodman. John M Shepherd ,
( Jeorgo Kljlott , Hody 7. , Ueuzor , William 1C.
Cox , Sltnon Unrig , Newton M. Charles ,
James dray , George Babcock , John Llckh-
tor , Archibald Steco , Uodney K. Johnson , M.
L. MoWuinnoy , I.owla P. Starks , Hugh J ,
U'lynolds , Louis Wostermaun. Additional-
James M. Hlgping , Itulph U. Yanners , Mans-
( leld M. lliy. KO.MUO Merits Kuhl. Orig
inal Widows , etc.- Margaret McLotighlln ,
mother ; minor * of Jacob Davis , Christian
Uarlr.
Iowa : Original Isaau Morrow , Samuel
n. Myrlck. John M. Huuer , Wallace K.
Simmon , Thomas Mains , Hocrjr A. Dos ,
Andrew J. Copp , Thomas 1McMillan ,
James H. Woodor , William a Wlltse , Bon-
Inmln BloaVuey , Abraham Hauna. Samuel
Whcolor , Joseph Turner , Joseph Jones ,
Alphoiuo N. Nlcbols , John II. Kvans.elates
M. UurlltiL'umo , Daniel U Iluly , Hoyt L , .
Ilusted , Henry A. Baitoy , Alex Mclntosh
Kraatus A. Uardnor , Jamus I. Cutler. Henry
Hrunblln. Thoma * Hoyt , George P. S pence ,
Milton K. Campbell , Squire P. Brown , An-
1raw O. Wald , Uoorge Johnson , Thomas M.
Bill- John E , Paurett , John A. Uermuth ,
Benjamin Q. Jonoi , George U. Kuudall.
Charles H , Llnpcnfcltcr , James Hart ,
I.cvl H. Huffman , Jacob II. Onstott ,
John Weaver , Ocorgo W. McCartney ,
Andrew Nelson , Alva Brown , Ellin Kraiif-
man , Louis M. Haws. Amos Hammnn ,
Christopher P. I'opKtns , Chauncoy S. War-
ion , James E. Wilson. Henry O. Conklln ,
James Cowon. John H. Carter , Lewis K.
Johnson. Chnrlcs Baldwin , Ooorgo 1C. Hldcr ,
Uobort O. Harris , Cicorgo H. Philips , Wil
liam A. Llttlojoht , , Charles Yale. Hostorn-
tlon Peter Muhs. IneroiHO Nnthniuol
Wilson. Original , widows , etc. Lnclnda
T. Hurloss , Marry J. ,1onos , Annie Alexan
der ( mother ) , Abblo T Urnrto. Mary J. Hays.
South Dakota : Original kymnii Leslie.
( Jeorgc Kunhlo , Daniel O. L-uvronce , Joel
Until , Charles K. Fuller , Original widows ,
etc. Lev ! Little , Amanda D. Cocltran.
1 have used your Salvation oil for cracked
heels , mange , and sand cracks with horses ,
and It gives perfect satisfaction. ,
CiiMtt.r.s W. Lnr. .
414 W. Baltimore st , , Baltimore , Md.
The cost of Dr. Bull's cough syrup is only
-5 cents. A bottle will convince nil of Its ex
cellence.
MOHE INDICTMENTS.
( Iniml ( Innir.i Itntitm K\lilriirri of Crltno
on tlio P.irt of Thri'n > Ion.
The grand jurors have again got In tholr
work and have so rcportod to Judge Davis ot
the criminal division of the district court.
Just us the clock struck the hour of high
noon the Jurors tiled Into the large court room
and through the foreman , Gusti.vo Ander
son , informed the court that they had some
presentments to mako.
Thrco tndlctmoiits were Handed up to the
court. A smllu pissed over the Judicial fea
tures of the man behind tbo bench as he de
voured the contents of the documents. TurnIng -
Ing them over to the sacred keeping ol Dis
trict Court Cleric Moores , the court asked :
"Have you concluded your labors , gentlemen
of the Jury 1"
"Notyet , " nnsworcd the foreman.
"Then yon may retire , " was the response
of the court.
Again the Investigators of time took up the
line of mnrcn , entered their room , and u few
minutes later voted to adjourn until after
dinner.
During the afternoon the grand jurors
wore examining witnesses for the purpose of
Icnrnlti wholhor orfnot any ot the mem
bers of the old council wcro
tempted to look upon the glitter of
the boodle of contractors and others.
InJuredOjy u Cubltt Cur.
In Judge Porguson's court the case of Mar
garet Craig aalnst the Omaha Street Kail-
way company is on trial. The plaintiff seeks
to recover f7,000 on account ot personal in
juries sustained. She charges thnt during
the evening of September ! M , 1SS9 , she was
a p.issongor on one ot dofend.int'3 ' cable cars
on the Dodge and North Twentieth street
line , her destination being Cuss strqot. She
told the conductor where she desired to stop.
The car was bronchi 10 a standstill , but bo-
fnro she could alliiht the train was again
started. She was thrown to the pavement
with sufficient force to break and bruise her
loft thigh , thereby rendering her u cripple
for llfo.
Court Xiitri.
Tn the enso of the state against Frank Nice ,
who was charged with luring John Carlson ,
n drunken man. Into Syndicate park and
there robbing him of M3 and a gold watch ,
the jury this afternoon roturuod n voraict of
not guilty.
ftl. A. and Charlotte A. Ivoycs have filed n
petition In tbo county court asking that
Charles A. Humidors be appointed adminis
trator of tbo estate of Charles Keyos. de
ceased. The dcccasnd was a son of tlio
petitioners and was killed In the Burlington
yards July 'J'J ' , Ib'Jl , while acting intho ,
capacity of a switchman. The petition statas
that the appointment is asked ror the pur
pose that the administrator may bring a damage -
ago .suit for $5.000 against tbo railroad com
pany.
In the case of H. L. Hobble against the
city of Omaha , the jury returned n verdict ,
awarding the plaintiff damages in tha sum of
$1,1-4.41) ) . The case grow out of the con
struction of the Tenth street viaduct. Hobble
owned property along the line of Tenth
street and was awarded $41)0 ) damages by the
city appraisers , but appealed.
The jury in the case of iho state against
John Tully returned n verdict of guilty. The
prisoner , who was proven to have boon
the father of Christina Hanson's child , was
remanded to jail to await the sentence of the
court.
I.i ( irlppo Siiccuisfitlly Trmtcil.
"I have Just recovered from a second
attack of the grip this year , " snys Mr. James
O. Jones , publisher of the Leader , Mexla ,
Tex. "In the latter case I used Chamber
lain's Cough Remedy , and I think with con
siderable success , only being in bed u little
over two days against ten days for the flrst
attack. The second attacu I am satisfied
would have been equally as bad as the first
but for the use of this remedy , as I had to go
to bed in about six hours after being 'struck'
with it , wbito in the llrst casn I was able to
attend to business about two days before
getting 'down. ' " 50 cent bottles for sale by
druggists.
TO SAVE DIXON.
Attorney * Willing to Ciliu th Condemned
Alan livery dinner.
Clinton E. Dfxon , now conlinod in the
county jail awaiting the 2.2nd day of April ,
when ho is to bo hanged , Is Just now , the sub
ject ot some Interesting correspondence between -
twoon Attorney General Miller and District
Attorney Baker.
Dlxon was convicted of murder at the last
term of the United States court in this ulty.
Ills attorney attempted to secure a now trial
but failed. Dlxon has no money with which
to pay the expenses of furnishing u tran
script of the case to present to the supreme
court for the purpobo of carrying It un. Ills
attorney wrote Attorney General Miller to
that cflect , and tbo attorney general wrote
Mr. Baker for a statement of tbo situation.
Baker answered tno attorney general's
letter yesterday , stating that ho believed
Mr. Dolan hud stated the truth when bo
wrote tbo attorney general to tbo effect that
Dlxon WHS without moans and could not pay
for n transcript. Mr. Baker reviewed the
cuso minutely , and in closing , said that bo
believed Dlxon had been fairly and Impar
tially tried find that ho had boon fairly and
honestly convicted at deliberate murder.
Notwithstanding all these facts , Mr. Baker
said that bo thought , the government should
furnish a transcript in all such cases where
the condemned man hus not sufltclont money
to pay for such u document ,
While Mr. Baker firmly believes that
Dixon Is guilty of a deliberate murder yet
ho thinks that ho should have the last
obanco , seeing that it Is only a question of
about * -00 ! , which will bo required to pay for
tbo transcript. Mr. Dolan says ho has tbo
hill of exceptions all ready to put In tha
transcript us soon as It Is ordered. It the
transcript Is furnished and the supiomo
court should sustain the finding of the lower
court In tbo case , then Mr. Dnlun will appeal
to President Harrlaon for a commutation of
tbo sentence.
O
Catarrh can bo cured snrnly , safely and
pleasantly by PIso's remedy. It cures when
all eLse falls. All druggists. SO cents.
/.CM > / : / > fun .1 UKVORTKU ,
Tlio I'uku t'uctory In ( ircut Inii-er of
Iiunlni ; a Man.
NKIIIUIKA. CITV , Neb. , Peb. 17. To the
Editor of THE BBK : Prompt action on your
part may prevent a moat horrible catastrophe
from overtaking tbo member of the World-
Hurala force who reported the domocratiu
Jublloa at Lincoln yesterday for his paper.
Billy Plliieglng , a prominent republican of
this city , with many others of bis political
faith , went to Lincoln to see the fun. Tbo
\V-H man , in bis Otoo county notes , s vs
among other things about "our Blny' : "
"When It comes to democracy , Bill has It
branded In bis system. " Now Billy Is a re
publican with the genuine trade mark all
over him and the words blown in the bottle ,
and when that Item mot bis eye ho drew
forth his trusty Winchester from lu renting
place and with 400 rounds of solid snot and
souio bushels of grape and canister , loft ou
a special for Omului. As the W-H seems
to have been losing everything else for
months east , please ring tbo lire bell , blow
tbo whistles , call the pollcoor do any other
charitable act that will prevent thorn losing
a man at this stage of the game.
PIUNK K. HBI.VEV.
Agate bearing scales , cofToo uillli with foot
power , ffrocors refrigerators , butter coolers ,
uulalogua of Bordou & Bollock Co. , Chicago.
FORTY-SIXTH ANNUAL REPORT
Of the Connecticut Mutual Life Insurance
Company !
A VERY PROSPEROUS YEAR ,
Prrililfnt .l.irolt I , . ( Irrrno's Kppe > rt of Tills
r.xei'lli'iit Coiupiiny Shows Vi'ry Coil"
servutUo .Mitiuigrinrut mill Uirgo
ItctHI-MS t 1'iillry Holder * ) ,
Til h Mrmlieifi
The year 1SU1 has been one of healthful ,
steady growth and prosperity , und of line
success In ovorv department of the company's
business. It has promptly mot the mortality
demand Incident ton old and thoroughly
stable business , but which was some $450-
000 less than Iho tabular ox peeled losses , It
lias mndo satisfactory gains In premium in
come , assets , surplus and business In force ,
while mnlnlnlnlug its old llmo and unrivaled
economy ot management , In consequence of
which It has not only strengthened itself In
every particular , but has felt Itself nblo to
nilont n somewhat more liberal scale of divi
dend out of Its growing surplus , thus fur
ther deoreaslnc the current , cost of Its in
surance , wbllo paying duo heed to future
safoty.
During the year the company received ;
Per premiums ? l , 301,314.53
Kor interest and
rents lI.'JlS.U.'il.'J"
"
Balance profit" and
loss 81,310.13
Total income $ " , S04,170.00
Durini ; tha year It paid out :
Per claims by death
and matured en
dowments -51,120,017.24
Surplus rctnrnou to *
policy holders l,101'JU.r > 0
Lapsed nml surren
dered policies .VJ7S4 .2 }
Total paid policy holders. . . } nSir.t71.0'J :
Commission to
agon ts , salaries ,
medical tnmlner.s'
fees , printing , ad
vertising , legal ,
real estate , anil nil
other expenses of
nmnngamont 773,0:19.74 :
Taxes 'JO 1,707.4 ! )
Total disbursements ? 0SS. > ,778.10
Balance carries to Increase net
orlodgoi- assets $ ' .MS.700.Sl
Add not assets Jan. I , IS'Jl. ' . r > 7,2S',0'J4.01 ) '
Not assets Jan. I , ISM $ . 18,207,79t.8S
Add interest , duo nnd accrued
market value of stocks and
bonds over cost , and not de
ferred quarterly and semiannual
nual premiums , as per itemized
statement boiowilb 1,530.095.07
Gross assets Jan. 1 , 1S93 $ TJ,7iS : > ,170.H3
Total liabilities J,070,324.14
Surplus Jan. 1 , 1802 . S 0,050,155.81
. oi-Kit VTIO.VS.
The intcsest received in 1 Sill was 3J.SS3.-
' 40.71. Interest collections have been very
close nnd are In a very satisfactory condition ,
On mortgage loans aggreBatinir6.iO,4l7i72.S7 :
tboro was past duo and unpaid interest on
January 1 , Ib'.U ' , only $ U,97.'Jj ! , or one-ninth
of one per cent.
IIHNTS
in 1S91 wore fl34,0l3.5l ) , a decrease from the
former year of J3,4G1.4S , on a decreased hold
ing of real ostnto of nearly $500,000. Our
rent account doe ; , not include any construc
tive receipts or payments for the Company's
use of its homo ofllco building.
THIS I'UOFIT AND LOSS
balance for IbOl was the result of the follow
ing transactions : A gain from real estate
sales of $ iy5,74U.40 , and from sundiv items
f5f > 73.07 , a total of $141,32IU3 ; on the other
hand , a loss on certain real estate sales of
$4,05.78 ! , nnd n shrinkage of premium ou
bonds soul or matured and paid at less than
cost , f55U77.17 ; n total of foO.0 12.05 ; balance
In company's favor , $81,310.18.
The balance in IS'.IJ ' was very much larger ,
owing to the more active real estate market
of that year.
lll'.AI. EVTW.
During IS'.U the company has closed out
for$597,70li.35 pircols of real estate which
cost it * 4IBua. > .07.
Since 1871) ) it has sold property taken under
foreclosure nt a cost of $ S.UItiSU.UO , for
$ 'J.740,012.04 ; a gum of * 1,4IW,025.14 , nnd a
gain over the Commissioner's , valuation In
that year of $2,730,775,03.
Our present holding of real eslnto taken
under foreclosure Is $0,3.l > 5,234.70. Wo be
lieve that as a whole it will at leusl realize
its cost to the company ,
uoxns.
The company has had paid or has sold
during tbo year , bonds costing It $7I ! > ,5CO.S3 ;
it has bought bonds costing it $1,015,000.
It holds bonds costing Sll,42db'.H.3 ! ) , and
worth. Tun. 1. 181)2 ) , by a cousorvatluo val
uation , $11.7. > IUJO.i4. !
Special attention is asked to the items ot
those bonds in the detailed statement.
LOANS ON IIBAI , ESTATE.
During the year loans have been paid oft to
the amount ol S5 , ( > 5,928.38 ( ' , aim now loam
have been made to the amount of $0,393,715.-
72 ; tbo amount outstanding being ,10,417-
! IJ.87. Wo bohovo them to ba tboroughly
secured , and have already noted tbo ulosn
payment of Interest on them.
INSt'llAXCK OrEltATIOS'3 I.V 1S91.
MOUTAUTV.
The death losses In 1S91 cost the companv
less than 80 percent of the tabular or ex-
peeled cost.maklng a .savlng.as already stated ,
of some $450,000 ; a very favoriiblooxporionco ,
showing the far-reaching effect of enrol ul
.selection of business , both as to Individual
risks and as to localities and cilruutosas well.
The death losses of tboConnuctlcnt Mutual
have benn adversely criticised by the tontine
companies , and some ot the younger non-
tontine companies , as larger than their own
in proportion to amount at risk , or to some
oth'er assumed measure. Those criticisms
proceed upon so false a basis , and so Ignore
fundamental facts well known to the com
panies , but not kndwn to the public , that a
word of explanation may bo useful.
The chance of death Increases with ago.
As a given body of men grow oldor.tho faster
they will die , and the greater will bo the
amount of their death losses. That is what
every llfo insurance company experiences ,
wbut it expects , what its premiums and re
serves provide for. It oxpacts that the men
who go In at twenty , nnd thirty , and forty ,
, to. . will , some of them , live to be sixty ,
eighty and ninety ; and that at these ages tbo
death' rate will bo much greater than when
the men wore younger ; nnd not only that , but
they aUo expect that as tbo company
gains ago , if It Keeps Its business on
Its books , it will huvo an Increas
ing body of men urowlng always
older , and having , therefore , a higher
average douth i-ato and a larger amount of
death losses. This Is precisely what they
bavu provided against , and they nave forecast
the actual flruresof the loss they may oxpbct.
The question with any company In , therefore ,
not what Its losses are , but how they com
pare In amount and in ratio with tbo 'losses
which It expected ou tao business when it
was written. A young comp'tny may have a
small apparent amount of losses , and yet
their proportion to the oxpoolod losses may
make them excessive a thing they will not
speak of , A great Tontine company , which
Is rushing In great numbers of new men In
order that tboy maj drop out later and leave
their money behind them for the pool , and so
Is shifting its membership rapidly and keep
ing down the averau'o ago of Its Insured , may
have a less aggregate loss than a company
which builds up a stable business ; and yut
its losses may bo far greater In proportion to
its expectation and cost it far more , and
leave l : s surplus , than the greater apparent
losses of tto more stable company.
The business of the Connecticut Muttml Is
peculiarly stable , Wo do builiieis upon
plans and by methods winch promote persis
tence. We write comparatively little endow
ment business which does not keep man In
long enough to grow old , and no policies for
Tontine puriods , at the end of which most
men go out , If tboy have been luckv enough
to stay through.
The stability of our business is strikingly
evidenced by these facts ; Only ono-u.uurlor
of It U on men under acre of forty-four ;
another quarter Is on men from forty-four to
llfty-threo ; another quarter on men from
tifty-tbroo to sixty-one , and ono-quartorof It
on men nvurslxty-ono. And the mortality on
our older ft-us u further below the expecta-
lion than that on the joimgor ones. Wo are
saving more money on them for dividends
than on tha younger nptis.
V the safety or prosperity of llfo Insurance
depended In the lonst degree on keeping the
business young , It ou bt to bo legislated out
of existence ns wholly irisccuro.
M\V iu/i > iSrs .
Our members arc wiU-awaro that wo are
less anxious to gain ncivinombcr , < rnnlaly , erin
in great numbers , than togivoour present
lareo membership thqj t possible results
on their business. Wq have , therefore , not
Increased our proportion of expenditure for i
now business - whichVmlld have boon nt the
oxponio of the present ! members but wo
have , nolwlthstnndlnglttnndn n fair gain over
tbo business of the preceding year nnd made
n considerable addition to tbo amount of
business In force , which now amounts to
$ I55HI3.055. None of this was out tor col
loci Ion In the hands of agents when our
books were closed. It was nil paid for.
IIM'BNSR ACCOUNT ,
Wo have practiced the woutml anil tradi
tional economy ot the company In every di
rection ; nnd yet havu allowed no true Inter
est > o sutler from fplso economy. The ratio
ofoxpensoof m.inagemont to income for the
year wtis IUS ) per cent ; a ratio materially loss
than that of any other company.
It Is qulto iho fashion for our rivals to ex
hibit expense ratios based on the amount at
rlsx , or on the amount of now business writ
ten , or some sctot figures other than tha In
come , But expenses do not coma out ot the
amount at risk , nor out of unv'lilni ' ; olsu in
the world than tha Income as long as thnt Is
large cnouch for expanses nnd other things ;
fnlllnc thnt , thov come out of the assets ,
It is to bo regretted that the most pushing
companies no longer publish , e.\coi > t in the
reports to Insurance departments , such stnto-
menls of tholr nlTnirs ns show thn Hems of
Income nnd oxpondlluro.und ns would rnahlu
iho public lo judge of the LOSI nt which they
oru transacting business.
COMMISSIONS.
Ill the llcht of the revelations now being
made to the nubile of practices existing in
certain great companies it sucins proper to
infoimour members that the commissions
paid by this company for business arostilctly
maintained nt the couscrvattvo standard of
former vears ; that our contracts with agents
do not L'lvo them a future contiol over those
commissions ; when nn agency ceases , the
remuneration for thn ngont censes , and such
commissions as tire then llxod upon the exist
ing business of that agency go to the now
ngont to assist him in bis work ; wo do not
add to the cost of paying men who are at
work for us by paying also mou who huvo
worked for us"attor they got tlirough : wo
do not submit to pay enormous commissions
on new business in order to let an at'ont who
bar got through working continue receiving
commissions ou old business ; wo have no
contracts for future commission * ugainst
which "advances" or "loans" or "commuted
commissions" can be nmdoaml charged up to
the agent , to make "rebates" out ot , or pay
absurd commission * nnd brokerages out of ,
on u business which will presently bo
"twisted" inio some other liberal comuatiy
by tbo same competitive measures , leaving
old members to pay for the ambitious ex
ploit. The resources of this company are not
mortgaged to anybody.
It is true that in these days of llerco enter
prise und competition it has not been ousy
for us to secure agents against the tremendous
deus temptations held out by the "Iliicors. "
But wo havu been nnd are slowly gutting
men who believe with us , that success In
life Insurnnco menus nnd can only mean
giving pure nnd absolute protection to fam-
I1IO3 nt Its loncst possible cost ; und that
compotilivo methods worthy of a lottery
scheme are poor credentials for n compiny
asking men to commit It to the most sacred
of secular trusts.
So the agents wo hhve nnd get are true
men , and the business they got stays , and
nays.
M'COKdS.
Insurance Is indemnity1 against loss. It Is
nnd cun be made nothing else. To give per
fect Indemnity nt tbo lowest true cost is
perfect success ; not a brilliant success nor
one gratifying to an " 'ambitious manager"
perhaps , but it is the only success tboro is in
the matter , and anvthlng else thnt is substi
tuted for it , however brilliantly it mav suc
ceed for the time being and until it has
worked itself out , will ultimately como to
naught. -
Tnlsact is slowly coihlUK to tbo light in
the case of the great
TONTJNK CKMP V.NIKS.
Ill order to "boom" their nusinoss they
rcased to loach men the sacred duty of pro
tecting their families by life insurance1 , und
began instead to show them estimates of the
prollts that might bo made out of the forfeit
ure of protection. Their experience had
bliowu that. In their companies , out of u thou
sand mon of middle UBO taking policies , only
about one-third would pay premiums for ,
say , twenty years ; about onp hundred of
them would dlo , out nearly six hundred of
them would lapse give up paying. So Ihey
proposed that no one should have any divi
dends for , say twenty years , but pay his pre
miums in full ; that If any one died ho should
gut tbo face of his policy , leaving behind all
tbo dividends his policy bad earned ; and if
unv man lapsed couldn't pay ho should for
feit all ho had paid , both the dividends earned
and Iho rcsoivos on his pollcp ; nt the end of
the twenty years those who hud boon lucky
enough lo live and pay through should divide
up wbnt the unlucky ones had left.
This was called "Tontiuo Insurance ; " this ,
or a modification of it , as to the amount for
feited , is now usually called "Investment In
surance. "
It took mightily. Tno estimated prollts
were very largo , and people did not realize ,
and perhaps some of them did noc care , that
the profit they might maun was the loss of
other men and of their families , and that in
order to get a chance at It tboy bad to risk
tholr own monev and the protection of tholr
own families. The reckoning day was far off ,
and agents were templed by tremendous
commission ! * nnd byconlracts thnt allowed of
"advuucos" nnd "commutations , " by mort
gaging the company's margins ot premiums
for many yours ahead. Business increased
In the most brilliant manner : such increase
became the one criterion nf success. It was
liard for plain conservatives to mauo head
against tbo swift rush. The elittor of big
figures and the rebates qulto overbore such
sober facts as the multiplication tublo and
the moral law.
But In order to cot lapses and forfeitures
enough thev bad to force the speed , and to
force the speed they bavo had to burn their
own cargo. They competed with each other
for business by increasing rebates , and they
competed for each other's agents by Increas
ing commissions and bonuses , and this sort
ot thing has gone on until It swallows up
practically all of the first premiums , leaving
nothing to cover the cost ot insurance ; the
forfeitures to tbo Tonttno or Investment fund
are drawn on to pay douth losses anu pro
vide jeservos lu place of tha premiums swal
lowed up in competition ; the soltlomont of
Toutlna prolits now bolng made ore less than
one-half wnat they were estimated nt ,
and tboy are decreasing nearly
every year ; andu'l ' yet tboy are
advertised as results "suIlk-iontly tempt
ing to warrant men /j / | betting their own
money and their families , ' prelection to got a
clunco ut the climinisljmc pool. Oroat ni
are tlio figures of iiup'ui cdvort sjd by these
companies , they are less than half what they
wora expected to bo. The lM i soltlomonts
nro nt n notable reduction from these of
1S9I , In certain companies nt lonat. But
hundreds of thousands of policies have con *
trlbuted tholr earned surplus ( \nd reserves ,
which ought to have cone lo protect families ,
to pay tha growing expenses and the dwin
dling settlements.
The more their busl.ioss grows the moro
their expenses must grow and the greater
must be Iho mortgage on tbo future by way
of "advances , " etc. , to como out of policy
holders , The mnnncors of the great racers
recosnlza this ; nnd while In ono bronth they
gloilfv themselves ovnr their great volumeot
businos * , lu tlio next they accuse each of
compelling the other to raise the commis
sions to keep agents from bilng stolen , to
enable them still In sle.it ngonts.nnd to kcop
up the rebates. Kach confesses the nbsoUlto
necesilly nt reform , Iho last phu o of which
is tbo proposition to ix-.lt the legislature of
Now York to Interfere mid forbid any of
them to go beyond n llxcd limit of amount nt
risk , so that no ono can got ahead of tno
others.
What moro startling suggestion can bo
ma-Jo of tbo tremendous strain which they
find themselves under , and of their own con
scious Inability to roforml It reminds ono
of the debauchee who asks to ba put under
restraint until ho can recover sobriety and
self-control.
bo the world learns ncnln by slow and
painful oxnorlonco that the dull , plain truth
is trim and mono U abiding ; and that the
only thing in Insurance worth paying for ,
and the onlv thing worth trying to got out ot
It , Is Insurance nnd nothing moro
CONDITION OK HIP. ( .OMl'lNY.
The real strenulb of iho company ! s not
fully stated In the llgures of Its assets and
surplus , largo ns these nro nnd certainly
worth as they nro their full face. On the ono
band , our assets mo conservatively valued ;
ou Iho olhor hand our llabllilles nro comput
ed by a far .stricter standard nnd at a much
Inrgor relative amount than Is the cnso in any
other comptny. Our reserve liability on all
business written since April , ISS2 , is comput
ed on the assumption that wo will earn onlv
3 per cant Interest , instead of I per cent , as
is assumed bv all other companies and by tlio
suverul State Insurance Departments. Wo
carry in a liability , therefore , in reserve for
the future protection of our contracts , some
WiJOil ( ) ) ) moro than any other company would
do on tholr present basis , nnd more than the
law requires ; nnd Ihis difference In our
strength Increases rapidly eai-h your. When
it is ronii'intiered that many ot the contracts
wo make loJay % vill not maluro for fifty ,
sixty or even seventy years hence , tbo 1m-
portuucj nf basing tlioni on n into of interest
that is cortiii'i to bo earned till that time can
not be overestimated. Nor can tlio forecast ,
of thoclmncos of adverse chnngo bo made lee
early. II is n ceaseless satisfaction to us
that this buttress was so early added to our
structure and Is already carrying so much
of its bulk. Wo can look forward to the future
turo without anxiety.
SjfMMUlV.
In the forty-six years of its existence the
Coniiecltcul Mutual has
Ilaooivod lor premiums $103,703,703.32
Hecuivcd for interest and
ren ts 07,739,009.51
Hccalvcd for balance profit nnd
loss 1,048,430.00
Total receipts $2.17,551,803.53
It has
Paid out for death losses and
endowments $ 81,330,001.12
Paid out for dividends 49,703,012.00
Paid out for surrendered poli
cies 2(1,5150,128.04 (
Total paid policy holders. . SI51,050,70I Si
Expenses ; . . . . 20,345,5511.31
Tuxes 7,347,090.43 ,
Total disbursements $179.H4OOb.04 !
Balance not assets , Jan. 1,1892. . ? 58,207,791.88
Wo ask attention to several notable fea
tures of this record. The company has already
'
ready returned to Us policy holders'89.b5 per
cent of all tne premiums it has received from
lliem ; what it has returned to them and the
not assets held to protect existing policies ,
aggregating ? J09S5b,5")5.b3. exceed what it
has. received from them by sMl,191,7112.50 ;
what it lias returned to them , and wb-it it
holds for them in net assets alone , omlitlnc
SI,530OS5.B7 Ihat go to make -ip the loliil
assets , nro 121.3 per cent of what it has re
ceived from them ; Its receipts from invest
ments are nearly three and one-half times its
ox pen so account , ivhlch is only 8.5'i ' per cent
of its total receipts ; a record of usefulness ,
economy , conservatism and strencth to which
wo challciiL'e comnarison. Respectfully t > ub-
mlllod ,
JACOIJ L. GHCRXE , President.
A VICTIM OF TBEMENS.
rule ol nn lJnrortiin.it rrlsnner AVitli no
I'liico to Itotft.
Charles Anderson , a victim of delirium tremens -
mons , who has been locked UD at Iho clly jail
for Iho rmsl two { days , attempted to butt out
his bruins against the bars of bis cell yester
day morning and succeeded in injuring
himself very severely. IIo .vns or
dered taken to the county jail ,
but after reaching there the jailor refused
fused to receive him us the necessary pa
yers did not accompany the patient , and bo
was driven back to the city jail in nn uncon
scious condition.
The old wrangle between Iho city nn < 1
county as to the responsibility of caring for
unfortunate strurigors or paunor.s was at the
bbttom , and it b by no means ' improbable
tb.it the side man1 ! , llfo will be bounced out
of his bodv while being huwlted about the
rity in the patrol wngnn to give the city and
county oQlcials time to settle their differ
ences ,
Dr. Blrnoy euros cutiirrti. HUE bldjj
Very Aniiii.vlii'Misriilii . ) ,
Tuesday afternoon , just before time for
thu uper to go to press , a telephone message
was received at Tut : BISK odlco announcing
the sudden death ol Put Hlnuhoy , the vet
eran policeman. The partv receiving Iho
moss ago uudurslood it as Pat lloafoy and a
brief notion was inserted slating that Pat
Houfey , the well known undertaker , had
died suddenly.
Tbo publication crealed great surprise
among Mr. Hoafey's friends , particularly as
the item slutod that the deceased left a wife
and ton children. The statement was trur *
as applied lo Mr. lllncboy , out did not fit
Mr. Hoafoy's ' case nt all , ns ho Is yet n
bacholbr. Ho very much regrets the p'ubll-
callon , which bos caused him no end of an-
novanco ,
Van liouton's Oaso-i-Tni ori < i nal , most
soluble.
ISulIilliiK I'itrmltK.
Tba following permits were issued yesterday
day by the suporlntondonl of buildings :
J. A. llaiighroy , onu-story frarmicottnk'o ,
371.1 North Nineteenth street $ 1000
llnu-li McC'alVioy , cliiiiicn of stort ) front.
WlHoillllMUVCIltllhtlOUl M )
Tutul , - , o
Hot Griddle Cakes.
Dr. Price's Cream Baking Pmvdcr possesses a peculial
merit not approached by that of any other baking powder.
It produces'i'jtjie ' hot buckwheat , Indian or wheat cakes , hot
biscuit , do $ jyuits , waflles or inuflins. Any of these tasteful
things may be eaten when hot with impunity by persons of
the most delicate digestive organs. Dr. Price's Cream Bak
ing Powder leavens without fermentation or decomposition.
In its preparation none but the purest of cream of tartar , so
da , etc. is used , nnd in such exact equivalents as to always
guarantee'a ' perfectly ne'tttral result , thereby giving the natu
ral and sweet flavor peculiar to buckwheat and other flour
that may be used , the natural flavor so much desired and ap
preciated by all. The oldest patrons of Dr. Prices powder tell
the story , that they can never get the same results from any
other leavening agent , that their griddle cakes , biscuits , etc.
are never so light and never .taste so sweet or so good &t
wben raised with Dr. Prices Cream Baking Powder ,
OWES ITS REPUTATION ANC
SUCCESS. TO ITS OWN
/MERITS.
IT IS PURE , UNADULTERATED.ANDFOR
RAPID CLEANSING POWER HAS NOEQUAL ,
IT IS INVALUABLE IN I ITCHEN & LAUNDRY.
SOLD BY ALL
CHICAGO.
LEAVES A DELICATE AND LASTING ODOR.
An Ideal Complexion Soap.
ForfmlotiynllFniirnncI KnncyOno < 1 < ! lpnl < > rsnr1f
nnntilo to procure tills IVmiilrrl'iil fiimp ppnil 8(1
cent * In stamps iiml receive n cnkt * by return inntl.
JAS. S. KIRK & CO. , Chicago.
Nl'r.OIAT.-SlmnrtrmltPlli Wnll * ( tlio iinpular
Soclotj Wnltzspnt ) I'HiP. In nmono tumaluu UG
Uirca wrnp-iura ut Shnmtim Dells Sonp.
DOCTOR
IT WILL CURE A GOLD
IN TWELVE HOURS ;
A 85 cent Bottle maysavo you
$100 in Doctor's bills-may save
your life. Ask your Druggist
for it. IT TASTES GOOD.
PURE PINK PILLS.
Dr. Acker's English Pills
OIIKK niMOUSNKSS.
Sinnll , pU'uonnt. u t'uvurlto ulth tlio ladled.
W. II. I1OOKEII CO , 1(1 ( Wfrt nroadwny , N. Y. ?
For sale by Ktihn & Co. , ana Shormnn
& McConnell , Omaha.
THE DREADED "GRIPPfc.
RELIEF AND CURE.
A HEN'SOX'S PLASTER
pliicod o\cr tlio Clicst ami
unotlier ono between the
Shon.iliTS Insuies not only
Immediate relief , but quick
est euro for these Muscular
Pains tliut accompany tlio
Orlppo ; all Hheunmtlo Pains
pass nwayliko ma ic. We.u
WlJISNSON'S Plasters prc
vents the Orlppo durlnc n
contagion. It lathe only true
medicinal porous plaster. It
U not a nostrum In any sense.
Indorsed uy oror0.000 Puyt-l-
clans nnd Druiru'lsts. Don't
allow Commercial DniKKHis
to palin off cheap substi
tutions. Get the Renuliu'
BKNSON'S and you will nul
bo disappointed.
Who Sball Wear the
CROWN
OF-
SUCCESS ?
Shall It bo be who" founds cities , builds rail-
roadH , develops new countries , amasbes n co
lossal fortune In the money centers and fills a
position of honor In the. councils of the nation ?
Or Rhall U be those who duvote their time , their
energy , their talents , their very lives to the
welfare ot sulTcrlng humanity ! Shall It be
such men aa
/ \ \
Drs. Betts & Belts
who , In their philanthropic endeavor to bring
health and happiness to the afflicted , have at
tlm game time won fame and fortune for them
selves , ns well as that still greater reward ,
the gratitude of the many thousands they have
restored to health ? ixt thn answer come from
those happy people themselves.
In every caw of
Chronic on
Private
Diseases
They efffct speedy and permanent cures ,
Send cents for handsomely Illustrated 120
page book. _ _ [
Consultation freo. Call upon or address
with stamp ,
Drs. Betts & Betts
no south must , N w > > - or m
anil Dou 'lrw Sta.
Omaha ,
Sore Throat
Lameness
Sore Ey <
Sorenggi
Cat ;
Bn
Cu1
Piles
Female
Complaints"
Rheumatism
AND ALL
Inflammation
Sold only In our own bot'let. All drug-gists.
POND'S EXTRACT CO,7G5thAve.N.Y.
QUICKLY , THOnOUOHLY. FOREVER CURED
br a ticir perfected
nclontltlo method tlmt
cannot full unlcna the
case la boynnil huiuim
nlil. Yon foul Improved
tlio first dnr , feel n beno-
Ut everyday : soon know
ronrbcif u klim araanpt
men lu body , mind nnd
I hcnrt. Umtnsandloasca
cmloil. Kvorr olnmclo
to hnppy innrrlad llfo ro-
mnvcil. Nerve force ,
wlll.ouprpf , brnln power ,
wlion falling or lost nru
rcstorc < l by this treat
ment. Allsmntlnndwcatc
tlio body en-
Eirtlnnsof
rued und Blrcnulhuncil *
Victims of nbiuca nnd
oscc' . ci. reclaim your
tnniilutod' SutTororifnmi
lolly.ovcmurk.lll hunlth ,
rcKnln your visor ! Don't ,
( li'spnlr.avcn If In tlio lust
otnKC * ! . Don't bo ftbhcnrt
rnod If quacks hnvoiob-
bcd you. l.t'tiiMshowyuil
that tucthcal uclciico una
tinilnf.ilhonor BtlH crl. tLhoro co liiiinj In hand.
AVrlto Itir our lioult with e plunntlonaft proof i ,
xuatlcilvvitltiil riuea Over jtt.OOO rcrcrcnccv *
ERIB MEDICAL CO. , BUFFALO. W. Y ,
I ) K T. FK1.1.X nOlMlAUD'H OUIKNTA I , CHKA.M.
Olt MAU1CAI. IIKAUU'IKH
lemovoi Tnn ,
Ion , Moth Patch *
un. 1'urtu anil
Skin Dlsoiisua ,
nnd every blum
lib on beauty ,
Hmlilelk'a del co
Hon. . It hui
ntooil tlioto-tol
40 yenn , and !
Au hitrDiluns * TU
tnitu , to ba nitra
It la properly
mnile Accopl
n o conn'orfoll
ofslinll.ir MBMiu ,
Ur U A fnypr
nnlil to n lady of
ttio limit ton ( n
patlont ) : * 'Aj you lailUa wlllUHOtlumt lu'coinrnonfl
' ( iouriiuil'i ' Lronin'as the lonit liurmfulof ull lha
Kkln pit'pnratlonn " For mlii by nil IriiKirl ti nnrt
l-'nncv Oiiodi llo.llora lu tlio UnltoJ bliitca , L'Himilai
anil I'uropo
KUK1IT lI01'KIN8l'rop'rarcntJonu38t. ; . N. V
SANDAI\VOOI ) OAl'riULBs nro Ilia
DOCUTAS nnd ( inly cnptulus prairlbud by
i-KUlnr phyilclnnt for tlio curj ot
Gen rrh j nnd l-.clmrno fromttiu urlimry orifini :
ver oet ui8i/3lM.r > days M.iiU | > ur liux All il
DR. J. E. McGBEW ,
THE SPECIALIST ,
IH iitisnrpussud In tlit * trotinrtiit of all catiuio
FKIVATK DISEASES , und nil illmmlura
and dohllltlosof youth und in.inhood. . ITyoiuV
vxi.urlunco. Ilia losourcot. nnd faollltlos are
pruutlu illy iinllinltud , Thu llootor U rui-om-
inumtud l > y the pruHj , unit cncloisei ! In the
otronjiiistturiiiH uy the noon o for fair tri'ul-
rni'iit and IIOIIL-NI profttaslmiHl ndvlou. Tint
most pont-rful runutdlnu known lit imrlorn
H-IUIIOU for the biiccuaiful truiitniunt of the
followlnirdhunfcu * :
GONORRHOEA Imiiicdlutn rullnf. A coni-
Dliito euro without the loss of un hour'it tlino
from limitless.
OJ.J3ET Ono of tlio most coiuplolo und * uo-
ctissul treatments for Kltxit mil "II annuylnx
il ] > cliHr iyet known to thn medical profos-
vlon , The roMilU are truly womlurful , Thu
most Hliilibiirn andehroiilo canon whore tha
dlftoharco hnd oxlitml for ynuro. entirely oun-
trolled Inaruniurkiilily short tlmo.
STRICTURE-J real eat known rentudy for
the trmttmontof Htrlctnro , without piUn , ( "it-
tlnx , or dilating , A inoHreinarkiihloroinerly.
8YPHILIB No troiilini'iit for thm turrlbla
blond ( llssiisii hus ever hnuii moro nici-Crfaful ,
or Iiml btronuur emlorscmeuU. In tha light
of modern KOlonco thU UUtmntj IN poxitlrt'ly
mi rat ) I o and o\ury Iraoeof tlio pol < m imtlruly
romovud from thn blood , 1'ho euro U complete
ainlperinuncnk ,
LOST MANHOOD , and ambition , nnrvonx-
nuts , timidity , despondency anil ull lilluhtlin
iitfccW of early vlue. Itulluf olitulned at unro.
Thu wiitikKrovTitrnnK. and thodvgpondentbu-
coiiiuulitirrful nml Iupn- .
BKIN DISEASES , und nil dlicahotot lliu
blood , liver , kldnovs undlj luddui uru truutud
mu'ocs'.fiilly with thourimtostiii'jwtirumi-Jles (
forthuse dBOJb.j : .
Write for circulars and < iii ( * tlon lUtfrco.
DIHJiASKS OF THE STOMACH - l > r
Mollrow'a tro.itmeiit for illttoidcr-i of tuu
stonmch , hm the umiuulllludiiiilordiiicnt of
tlinou who huvo IKHHI cured. Cities that had
nulforud for yttarn und iimitilu lo Vtoitic or r.ir
without InureiuhiK their niU.ury , unUrnlv
uurod. Tbu ruiuoillox uit > jiliiu , unt , uid pal-
utahlu to Ilia most ( Ifllontostonmch. lltli
and I'anuiiii bU. , ( Jniutjit , Nub , Dutruncoou
glthor mreol.