THE OMAHA DAILY BEE : SUNDAY.JlANUATlY 20. 1893-SlXTEEiY PAGES
L M , COIIN SET AT LIBERTY
Judge Tibbotta Ovorralcd Notary Bishop
and Released tbo Prisoner !
HAD REFUSED TO ANSWER QUESTIONS
Attorney Walter Woodward ClinifreJ wllli
llnrliiR Apiirniirliitnd 'Money Itnlone-
Inir to lunru trr > County At-
tornn } Iilncoln N
Li.scot s. Nob. , Jan. -Special [ to TUB
BF.ELouis ] M. fjohn. the merchant who
refused to ans-vcr qiiestlotm propounded to
him In tin examination before Notary
BUhop , vvai discharged from custody today.
Colin was jailed for contempt of Hlshop's
court some weeks ago , and Judge Hall 10-
fused to release him on a writ of habeas cor
pus , dcIdlng that the notary had n right to
commit him. Ho appealed to the supreme court
and the case Is now pending Ho was agiln
ordered committed last week , but Judge Tib-
belts derided today that It was the same offense -
fenso for which ho had been previously tiled ,
and dlschargfd him.
Janus : Dogmin , a sul > oontractor under Kil-
patrlck Hros ft Collins , In the building of
the Grand Island & Northern Wiomlng rail
road , In Ings suit in the disti ii t coui t against
the contrai tois and the companj for ? .JCil.
which lie claims to bo duo for overhauling ,
extra work and for Interference of the con
tractors In his work. . /
The healing of the application for ) the ap
pointment of Chirles I. . Uurr as the 10-
c-olvcrof the Hi own block was iwstponcd to
day until 'Uicsday.
Oil } In llrlcr.
O W Craw foid. secretary of the Trans-
nilssissippi congress , whlih meets In Ogden
next Maj Is in the citv today mousing inter
est among Linioln business men and secur
ing a delegation to attend thu sessions
Liz/to I'avnc , the woman who was fear
fully burned last night bv the ovcituinlng
of a lamp during a llgnt licUvocn her hus
band and her lover , is still alive , but In it
piecaiious condition The do < tois give hopes
of her iccovery , but her lace and body aio
badly scorched Hoth men aio under aiicst ,
awaiting a further investigation of the
causes leading up to the matter
H V Uojd , n member of the senior class
nt the Wesloinn unlvcrsitv , was examined
by the insanity Irani d todaj and ordered
i ommitted His malady was caused by over
work , and the boy persists in making
speeches to an imaglnarv assemblage.
Alts Uolva Ixickuood , the noted female
lavvjcr fiom Washington , anived in tlio clt.v
this inoniing She lectured to a good sized
audience In the Young Men's Christian as-
nocintinn h ill tills ovei > ing on "Women in the
1'iofesslons '
Tiank U Head , n veil known printer nnd
formerly editor of a piper nt Holdiego , died
nt his home , Tvvcntj-thiid nnd W streets ,
this morning
Word was tecohcd at the polkc station
that Milt White , w I'o tried to pmchaso cart-
ildges the other daj foi the put pose of hunt
ing down Mosher , was again on the warpath
White lost W , ! X ) in the wicck nnd has been
in a highly nervous state ever since
Lincoln Attoinvy In Trouble.
Walter M Woodward , an attorney In the
Ullllngslov block , was arraigned this morn
ing before Judge Dimdv on the chaigo of em
bezzlement. W II. Woodwatd , county at-
tonii'i , formerly ofllccd in tlio same building ,
nnd has suspct ted for some tlmo that some
of his mall has gone astray A decoy loiter
containing ? T > was fixed up , the letter accom-
li.inj ing It stating it to bo for n balance on
account , as the writer was going to leave the
city for good It was dlieetcd plainly to W
II Woodivaid , county attorney , and a man
was stationed in W M Woodward's ofllio
" \\hpnthocplstlowasdollveied , and claims
to have seen him open the lottet and pocket
the money Woodward plo.idcd not gutltv ,
nnd was released In the sum of 500 for his
trial next week.
TKOIlllI.I.S OTA IIAXKlMt.
J , I > . KtiKfloll SprnrrH HoiuN lint M Tsot l' r-
mlttrd to illO" ) Ills Il.beilJ.
TrfTMarii. Nub. , Jan ! 33 [ Special Tclo-
pr.im to 1'itu HUB ] J. D Htissell returned
today. lming furnished the i.cccssiuy $700
bond to seciuo his tcmiioiary icleasc , but
hlsanest Thursday seems to bo but the
commencement of his troubles W II
Povetaux , a modueo dealer of St. Paul , is
hero demanding money that ho alleges ho
left In Kusscll s keeping Hnssell has been
tr.v ing till tliu afternoon to get the money ,
offering his stock and household goods as
secuilty Many of his old friends would
willingly help him were It not for the fact
that as soon as ho is out of this difliculty ho
will probably bo taken up on now charges.
All of thcHo charges mo against Mr. Husscll
personally , as very Httlo can bo uono with
the Johnson bank affair until the examina
tion of the books is completed.
\V rut 1'olnt ffown Notra.
WFST POINT , .Nob. , Jan ii3. [ Special to
TIIE BnE J Peter 'Zabiansk ' , eight jears of
ago , died Tuesday of blood poisoning nnd was
burled Thursday under Catholic auspices
Ho had fallen and hint his foot , which bo-
cnmo swollen , and blood poisoning sot in
Contractor Joffiles of ICIkhorn has com
pleted the Craw ford icsldonce.
Mr. D I1. Glfford has guatantccd the pai-
ment of the money requited for the location
of the Sons of Veterans' cncampmcnt at this
placo. The encampment takes place In Juno
and West Point yvill have In the neighbor
hood of 1,000 v Isltors on tint occasion. It
vvllltako all of f 1,000 to properly outei lain
our visitors.
_
Lincoln Cuitur | il tlin I'rlrn.
Neb , Jan SiS. [ Special Telegram
to TIIR UFR.J A } ear ago n delegation of
Illckmanitcs came up to Lincoln on the oc
casion of the Lancaster County Fair associ
ation mooting , and by sheer foivo of num
bers captured the county fair. Today the
compliment was returned in kind by a trainload -
load of Llncolnltes going clown and retaking
the pi lie. A bitter fight took place over the
officers of the organization , but the Lincoln
men captured ovorv thing in sight , nnd the
county fair w 111 bo held at Lincoln in connec
tion w ith the state fair this j ear.
Adam * County Will Hold n I'ulr.
HASTINGS , Neb , Jan. 38. [ Special Tele
gram to Tun HKE.J The Adams County Agil-
cultural society mot in the supervisors' room
this nftoinoon and after a lengthy discussion
decided to hold n count ; , fair on September
5 , 0 and T and to spare no pains to make it n
big success _
rrmnont'ii Ni'\v Mill.
riii-MONT.Nob , Jan 23 [ Special Telegram
to TUB Urn ] Ai tides of Incorpora
tion wcto today filed by the Lover
iWoolen Mill compiny jof thlsi city
Thu capital is $100,000 Ofilceis were
elected The building is to bo completed
and thu mill in operation within three
months
vi.i.v MUTII..ITKI > .
] o\vn Ciinl Mlni'M Axtuult and Iungt < rniuly
Wound \\Httliinnii ,
DCS Mot.Nt-s , la , Jan 23 [ Special Tele
gram to THE llr.K ] JohuSwanson , emplojed
us night watchman at the Maple Grove coal
iiilno notthcast of the city , was attacked
early this morning by four miners nnd
' nearly Killed Ho was found insensible , his
face frightfully mutilated and bleeding and
Ills hnlr n mass of clotted blood His assail
ants are known nnd will bo arrested.
I ( inn Nupromn Court DerUlnnt.
DBS MOIMM , la. , Jan 28 [ Special Tele * .
gram to TUB HEB ] The follow ing supreme
'
court decisions were rendoreil today :
Pholj s-Dodge-Pnlmer '
companj' against >
tirccnbaum , iippolliint , Houanl district , af .
liruioil ; city of Fort Dodge against Minnenp [
oils , t St. I uls Itailway company , npixillnnt ,
Webster district , affirmed ; state against
Wallick , appellant , lown district , unirmedj |
Audreg agalust Urunsklll , npellant | , Ply
mouth district , rev ersed j state against Seo-
vcrson , apuellnut , Wlnneshlolc district , affirmed -
firmed ; Walker against Ottman , appellant ft ,
Hardln district , anirmed ; Groeii bros .
against the Live Stock Insuraiu-e oompanv \ ,
PI > ellant , Chiytou dUtrict , rgvorsedj Bur-
dick against Chicago , Mil-roukoo ft St Paul
Hallway company apj > cllnnt , Howard dis
trict , reversed , state ox rel Clifton against
Ornmrcr , appellant , Harrison district , at *
firmed.
Iowa Ontrnl Coiiductnr Killed ,
MAIHIIAM.TOWS , In. , Jan. 23. [ Special to
Tun UEB ] Charles K. llrownn freight con
ductor on the lowu Central , residing hero ,
was run over and cut to pieces by a switch
cnglno In the yards last night Just as ho was
getting ready to go out on his train. Drown
was 2.J years old nnd leaves a wife and baby.
The remains will bo taken to riannngan ,
111. , for burial.
i'///.s /ATO insnM.iy r.in : .
UnUnriat Appreciation of Art , Music nnd
thu Itrnina.
DIIBSPES , Jam 10 [ Correspondence of
TUB Hnu.j The kingdom of Saxony Is
the homo of niusla par excellence , but
throughout Germany ill is cultivated
with success There exist excellent
muslkconservatorlcn which train musicians
for the opcia , the concert nnd every branch
of the musical profession , and the excellent
phllhatmonlc nnd sjmphony concerts given
several times nweek offer to students an
opportunity of hearing muslo of the highest
order for n vcii sin ill feo.
The Jlno new opera house In Dicsden ,
built to replace the old ono which was do
sttoved by llro some j ears ago , has been the
means of attracting much talent of n
superior order to the city , and a lltst class
company of well known nilists is engaged
throughoul the season The opera as pro-
sentcd hcio Is supeilor to that given in the
Piusslati capital , and ono has a chance to
comp no It with that given iu Vienna , Lon
don or Pails
'Hie operas of Wagner arc sure to stilko a
patiiotic choid In the German breast and
the tlicatcr.it Hijrcnth , built oxpiessly for
the leprcscntation of Ills musical dramas , Is
filled from stall to gallery at each perfor
mance As the opot.is of this gieat com
poser have become distinctly national tlio
emperor w lscl.v encourages them
' 1 lie Germans have a gicat M-neratlon for
Ihoait espcciallv for the drama , music nnd
painting With them an oxening 8i > cnt at
the opeia or the theater , orr.n hour or two
at an exhibition of pictuics mc.ins 11 bit of
education With us It is moro likely to bo
consldi'icd as an amusement Our theaters
aie contioiled bv men who change their
management from ono house to the other as
inci'eas"d paj is offeied them Hoio the
position of itdministiator of the rojul
theaters Is an olllco of no small hminr and is
equal to a suboidlmto minister of public
education One of the Getman gland
dukes la the husband of an accomplished
ncttess and has devoted himself to the ele
vation of the stage , the liistoiieal perfection
of evciv detail of "properties , " etc The
Picttj theater in Meiningoi is slid to bo an
ideal ono in ever.v les cct , and the plavs
mounted thcio aio historically accuiate iu
i oitumes and scenery
Mo/art was the creator of Germ in open ,
and his woik lives after him as n fitting
monument to his genius Wheio outsldr of
( jermaiij can one hear his music plajed as
it is plajed lieio , or U.ichs' passion music or
Hamlers oritoiios given as they are given
hero among the best ciitics that exist ! Yet
oratotio is less cultivated In Gcimany than
in England , and to hi'ar this noble branch of
ntisle lemlered often and well wo should
toss the channel and go to Ixndon for it
Some w liter has said that if one would
enow a people well.ono should study the
songs of that people , these "volk-
slicder , " which find n homo in the
ic-art of every music-loving nation If
we , therofoic , go back to the oarlj-soncs of
Gcrmanv wo find them full of p.ituotisri and
i lomanco life of the country , which make
these "volkslicden" inimitable I have been
irix Urged recently to see n copy of these
, ongs printed over fifty j ears ago and sung
'or no ono knows how many \eais before
; hat They breath n spiilt of pitriotic
doallty vvhii h is nothing short of sublime
roitunatelj for these of sensitive hearing
nnd susccptiblo to discordant sounds , stieet
oichestras and hand organs mo stiictlv pro
hibited by law And in Welmcr it is forbid
den to play the pi mo with the window open
under pcnaltj of a line of U maiks (50 ( cents )
When ono considets that every house in
the town is divided into appar'ments
with n bcpaiato familv lixing on each lloor ,
uul that each familv possesses a'piano , the
law seems reasonable enough
The Geiman home life Is ideally simple ,
: intt if less luxuilous than our ovvn , it caules
with It the stamp of being genuine1 There
isnontrlving after outside effects , no ex
travagance , no thin veneer of gold , but a
jood , wholesome iralness which biings with
it its own toward The wife and mother per-
Bcnally superiutcml all of the household du
ties She is tireless in her woik , not the
smallest detail of the culslno or nursery is
overlooked She Is essentially n perfect
housewife , nnd ns such considers her
sphcio complete In "Wertber's Soirow's"
Goutho has given us Lotto cutting
bicad and butter , a tjpo pluck leaves us not
wholli satisfied , but iu actual life wo set
aside much of the poetic sentluu ntality and
diaw our character from Ihoso about us
The circumstances surrounding a woman's
lift ) in Geimanj aio not conducive to awido
expulsion of the intellectual powers Her
life Is too icstrictcd , nnd her education moro
for the homo She has little of that nuln-
pcndenco of action and speech which her
1'nglish and American slstcis havocomoto
consider us their light Politics have no in-
ti-iest for her , and she wisely leaves such
matteis to her "maun " Her time is wholly
occupied in directing the cooking , and to tlio
caioof little Hans'clothes and In looking
after the linen in great tall chests In tlio
evening , after the supper H over , she conies
Into tlio salon with her "Gartenlaubo" In
hand and scats hcn > elf at n small table , pro-
pat Ing to enjoj her Hist fico momenta in tlio
da > After rending fora while she lajstho
in per aside nnd tin ns to her knitting She
Is not quite happi unless her hands arc occu
pied.The
The girls hero commence at a surprisingly
earlj ago to propaio the linen for their wed
ding coffers I tiavo seen gills of 12 and 14
ioars vvotking nt some beautiful bit of
tluoad lace or delicate cmbroldory , and
when I inquired what use It was to bo put to
they smilingly replied that it was going Into
their "hoflunugs kasten , " which , bv the
waj , is nvry pietty name for it. These
sweet children with their dazzling com
plexions , fair blonde hair nnd blue eyes ,
hero oven now prep irlng for that tlmo w hen
they should bo called -upon to play their part
In life's drama nnd to assume their place at
the head of that family llfo which in no
other country teaches a higher liloil tiun
In thu Fatherland NLTTIE W COLLINS.
FOR AN INVESTMENT.
1 Ighty Acres of I.iml < MII | for Ono Hundred
Tlioiitiinil Dollar * .
Theroxvasnblgie.il estate deal consum
mated jesterdajKightj'acres of land > in
Center stieet , in the southwestern part of
thecitjabout three quartoib of n mile from
Hatiscom pirk , xvero sold for $100,000 The
purchaser xvasW C Stoopol , a capitalist 10f >
Waj no countj1 , Michigan Dining the pist
three months ho has paid several visits it.o
Omaha for the pnnxiso of settling the terms
of the sale xtith'U A. Webster , agent for
the property irh
'Iho land xxas owned by the McGeath
heirs It is a beautiful piece of ground , suit
able for icsidenco purposes. Mr. Stooj > c'l 1 ,
the purchaser , sajb that ho has bought it for >
Investment purposes Ho will hold the
propeity until its price Increases nnd then
sell It at a profit
While iu the city yesterdaj' after purchas
ing the land ho said that he would make s10
effort to improve It at present , but when
Omaha has extended to his purchase he will
decide whether to build on the ground > 11r
sell at n profit.
The denl U ono of the most important that
has occurred In Omaha for several months
It shows n confidence In Omaha property by >
eastern capitalists and augurs well for the
future of the real estate business of the city
Mr Stocpel , who bought thu land , Is n suc
cessful real estate speculator. Ho has been >
\erycarofullumaklng the investment , and
is sure that it will result in great profit. Ho
is n man who had great experience in real
estate transactions , and Is not likelj * to
spend his money idlv Before leaving the
i-ltj last night ho said that ho expected to
double his money inuxcry few j cvars , and
was vx tiling and able to wait until he can
sell to u profit. Mr. Stoepol expressed great
confldcMice In the future of Omaha. He Is so
sure mat tno city will extend to his prop-
erti without effort of tils own thathoxvlll
raptmd uo mouoy la improv lug iu
ON FIRE INSURANCE RATES
Onptain Palmer Delivers Himself of Some
Keflections on Omaha Risksi
AS VIEWED FROM THE COMPANY'S SIDE
\ car's lliiftlncM In Uinihn Done nt a
tiront Ios Itriult \Vltliilrnwul
from the t'lolil Wlmt Co.
Iiumiinro .Mcuiii.
Nothing Is Interesting business circles so
in ddh at present as the subject ofllro Insur
ance. The talked of general Increase of
rates caused a rlpplu of excitement and now
the co-liisuranco clause has brought out
much animated illscusslon. Pram w hat tbo
agents of some of the biff Insurance con
cerns siy , there Is no Immediate prospect of
an advance Iti the rates , ono icasou being
tbo opposition of many merchants and prop-
city ovuicn .uul another being the Improve
ment in tbo llro protection of the city.
In i ex lowing the situation from the agents'
standpoint xcstcidaj aftetnooti Captain II.
fi Palmer said
"Manager II irtm in of the Omaha Under
writers Inspection bureau has the d ita In
his office tint xxlll show box end question
that the tire Insmaiiio companies doing bust
ness in Omaha paid b ick to the eiti/eus of
Omaha foi tlm jcar 1SW fultj ? 1 81 forl ie-
eelv ed Of course this is the result of a dis
astrous juar in undcrwi Itlfig , but the aggre
gate of receipts for Is'H ' against losses also
shows a balance on the wrong side of the
pi oIH and loss account This fact has made
all the Omaha agents as well as the business
public qultonppichonsh oof a material ud-
xanco in lates or some ladiual movement for
the bettcimcnt of the situation for defeuso
against lire Wlso counsels .110 ptevalling
anil it appears that the llro companies aio
not unduly ovlted , and that possibly wo
maj , by impiovemonts Incieasing water
pressure , providing new engines , silvago
corps , ic-rating Inequitably rated ilsks
and adopting the co-insurance clause cs-
capo the general advance In rates Over
$ > * 0,000 mlglit liavo bccil s ived at two of the
December Hies had the ilro department
been pro\lded with SI , 000 woith of covers.
What Thoj Aru Hero 1'ur.
No nnn doubts that a flro Insurance com-
ij must take In premiums enough to pay
losses and cost of getting the business or
olsogolnto buikiuptej , and light hero it
may bo icmaiked that ilro insurance com
panies are organized to w rite policies for
premium enough to swell the di\ideml ac
count oor and above all expenses To do
this they cannot affoid to pi.v for Hie pio-
teetion , silvago corps , etc , which , if mule
perfect , would destroy the business of in
surance Without the necessity for insur
ance there would bo no picmiums icceived
and no demand for policies
"As a citi/en , not as an undorw liter , I si\ ,
Ml hall that da ) ' No business man will
daio say that wo can at the present time
do without insurance , or that the business
man can afford to buy poor instiranicror de
pend on mutual insurance- such as can bo
had todaj If the ill e insuiauco companies
should cease to w rite policies on Omaha and
South Omaha propci ty for ono w oek , w 1th
the piospect of continuing this order , tlio
action would bo moro damaging to Omaha
and South Omaha than the absolute stopping
for the same time of every tiain within ten
miles of this city The insurance companies
( from the fact that their revenue comes from
all over the business world ) , would bo but
slightly afleoted What wo lose at Omaha
for a j ear or tw o is not seriously considered ,
unless It is clearly a fact that tales arc too
low or that the moral hazard is bad , fiio
defenses poor , etc In thatcaso the piudent
underwater will take steps to better the
situation and the whole community , even the
man w ho does not carry a dollar of insuianeo ,
Is benefited , and should lend a hand to help
the wheel out of the rut.
Co-Iiisiirmico I'oroniptorj ,
"Tho first Important move to this end Is
the posit ! vo ordcis from the companies , In
structing that on and after January ! , 1803 ,
no inoro poliej contracts covering on
business risks and stocks , manufac-
1,111 ing plants , etc , shall bo writte.n
unless the 80 per cent co-insurance
clause Is attached. This rule has been
adopted in ox cry leading city in the United
States , , and Omaha is , I believe , the last on
the list of the largo cities to receive the
order Fortunately , there is nothing objec
tionable iiiitheco-insuranco clause If correctly
understood. The majorltj of our business
men haxo adopted it long ago. The clause
Itself has been hi use over 100 j ears , \ct it Is
true , too true , perhaps , that many policy
writers not to mention those moro deeply
interested the men who pay for the protec
tion contracted for do not understand the
interpretation of the co-insuranco clause ;
that Is made clear after the flio
"Note , please , that as an underwriter my
Interests are identical with the best inter
ests of my customers I want rates so low
that everybody will come to the ofllco for in-
suianco and give mo no back taltr but I want
insurance that insures , something bolter
than a wet blanket on a cold day and after a
flro I want my customer to return to mo
and say , 'Keep me fully insured.1 I want a
volume of business that will show a margin
of profit to my companies as w ell as myself ,
just enough to keep the companies from re
jecting everything offered but a mill darn
under water.
Tor the benefit of the business public
and ovcribody who is trying to lay up a few
dollars and protect his s ivlngs bv insurance ,
I hanu jou an extiact from the Weekly
Underwriter , July .10 , 183. , entitled 'The
Mechanism of the Co-Insuranco Clause II-
lustiated. ' "
i\pliilnlnK tlio I'lnn.
The article in question was a letter wiitten
by Henry Evans , xico piesident of the Con
tincntal , to the editor of the Now York Sun
It was as follows.
Inyoni , miostlon and answer column of July
2 , fH'JJ , I llnd thu following : "Mipposo . .
iih'co of property , the cash value of which Is
$1,01)0 ) , HO ijjrccmt of which Is $800 Is Insured
for $100 nniler '
thu 'standard percentage co-
Insur.anco clause. ' AH the amount of sale
policy , WOO , hears the MIIIIO proportion to the
800 ( which Is SOpor cent of cash xalue ol
property ) , as flvoto right , I understand thai
the policy holder ( In case of tot il loss ) wouli :
only bo entitled to recolvo $31'J.50 or llve-
ol jhts of the amount of policy.
"Oi.nllrIJKII'
Answer That Is the way wo understand the
clnnso It Is nil attempt to make owners
Insure to the full amount , paying pnmlunis 01
the full mine. If they do not do sothoynro
considered as "co-Insurers , " liable for tholr
propoitlonof the loss Of course , this cl msu
can ho applied only to now policies , unless
with the consent of the pui son Insured , It cat
have absolutely no elTeet on a policy Issuoi
before It was ugroud upon by the ompanles
Your reply Is Incorrect and tinfali to thu In-
Niiranro companies In the case rltcd. If tlio
propeity was totally destioyod the Insuring ,
company would pay the face of IU pnllcj , or
* .JOO Again , If the property were chiinagoi
$800 the comp my would pay the face of the
policy ( J300) ) If. howoM'i , the property wort
only damaged $100 , then the Insuring comp my
would pay only tlvo-olghths of the loss , 01
$31' , ' 50 , the
owner hulng a co-Insurer ; that Is
hnxlngagroud , or bohu leiiulied by his con
tract , toe irry Insuraiuo to the extent of 80
percent of thu v.iluo of Ids property ( In this
cnso J800) ) , liu taKiw the plaee to thu extent o
the dellelt C1DO ) mi an Insuring company am
hears hU pro rata wlmo of all partial losses
where thudaningo Is less than 80 pur cent o
thu v .iluo of the piopurty
[ To mike the first paragraph of Mr
Hvans' reply to the Sun article moro clear
Mr Palmer explained "If the loss bo b (
per cent or more of the actu.il value the in
btiring company pajs the full amount of Its
] > olioy , unless that amount should exceed tin
amount of the loss If , however , the loss 01
dauiago falls below 80 per cent of the actua
value , and the Insurance also falls below bC
per cent , the assured is n co-insurer. " ]
llo\r the rhkii Work * .
If the prop rty were totally ilc'htroyed am
thu owner only carried (500 Insurance on i
xaluiicif 11,000 , hu would , of course stand the
'
loss InuYcussof Insurance carried . ' nnd M"h'i
would bn a c'0-lnnunTln fact. If not 1.0 called
The co-liiKurincoclauso simply requires i
man to carry n fair amount of Insurance 01
the property covered by tlio policyor pn
rate with the Insuring company in the pay
mcMit of partial losses , just as ho must pro run
If short liiKurod In thu payment of total losses
ThN co-liisuranco fc'atuiu U
not nuw , and ha
born , and Is ted ly , thu Imslsof all marlnu in
surunoo contracts , In which line of business I
Is well undersUxxl and adiiilttrd by mere hunt
and whip owners , to bo eminently fair ,
Co-lnsuranco Is needed to enable any under
writer to Ux an IntDlllgvnt and fair rate , fo
thu reason that most losses uru partial , am
the foiupnnlrs. knowing this. IIIMI ihelr ratu
on the expectation of partial lossus ; but if th
Insurer fall to carry a fair uiuouut of lusui
MRS. J.
Is making still deeper cttts in many lines of goods , to clear the stock , as near na
possible , jbcforc moving. Jrom SO per cent to GO per cent off on all \\rintor goods
and from < 1O per cent to GO per cent off of all other goods. IZcmcmbcr every article
in the store is sold at a reduction. You cannot pay full price for anything , not oven
he choicest goods.
infants' Wear.
Commencing Monday , a fine ntiin-
ook dross , hemstitched skirt , fo.athor-
titobod waist , with dainty edging , 87c ,
oniior piico $1.25.
A soft finish cambric , rutllo-odged
vith embroidery , 8oc , former price
< ai o :
M-0.
Pine cambric slips , 32c , 13c , C2c , CSc ,
"c.
Fine cnmbric skirts , 41c , 5 ; > c , Olc , 77c.
Infinite' black silk vests , all sitea , 87c ,
ormor price $1.23 to $1.50 , according to
izo.
Children's black knit skirts , G9c.
Children's silk bonnets about half
regular prico.
Item'embor ' every article so/cZ at a reduction :
J. BENSON ,
S. IQth Street
nnco on the propurty covered , n small fire may
result , In the absence < ) f it co-lnsuranco agreement -
mont , In a total loss under the policy.
Many small comp iiUOit line boon recently
forced to thu wall , v.illg | tliu largo corpora
tions that have.iccutuutatc'd inomiy In je.irs
Eastlargely by judicious lnM"itmenN , h.ivo
itun doliiR a losing business Of course , tills
could not KO on n Rie.itvlillo , and It Is not
best that It should , for flro Insurance Is tlio
biisls of mercantile credit nnd Is , therefore , an
nbsoluto necessity. M > the comimnlus , trvhij ?
to ave thc'msol\c'S and bo fair to the public ,
liavo agiecd to InsKt upon n porccntaso coInsurance -
Insurance cl-iuso , which Is absolutely ni-ces-
s iry In ordei tomaUua rate that Is fair to all
parties , as y < Ai wlllsco by this Illustration-
A and II each own a half Interest In a bulld-
IIIK bin Ins a present structuio value of fUO.-
000. Kacli Insures hl-i half Intoiest sup uately
and In dliroront companies ; each company
clnrgos the Mine percentage or "rato" for In-
suihir , ' the propurtv , and that "rato Is 1 per
cent or $10 fora $1,000 of insurance A In-
suieslils h.ilf In the Y company for $10,000
andpiys for his policy $100. H Insures his
half In the / eonipuiy for $3,000 and p ys for
his policy $50. A flro occurs and the building
Is damiiKod * 10,000 only. C'ompiny Y , Insnr-
1ns A , Is called on to piij but 00 percent of the
amount of Its policy , whllo company / p.iy
100 porcunt ; and yet Oornp my Y received
twice as much premium as did Company / .
I fool sure that this oxamplu ( and our com
pany has paid a loss mulct IIko clrcninstancos
within a few weeks ) will make plain to you the
nuoil aim fairness of
co-liibiiranco lequlro-
mont.
THEN THE GAS FLICKERED.
Thrco OliI-Tlmo Atl\nnca Alon Talk About
Omilm's Kurl } D.IJH. rJE
Thrco vetetan advance agents met In the
Elks club rooms last week for the first tlmo
in what seemed to be 100 j cars , the waj they
told it. "Punch" Wheeler , a ictlrcd agent ,
Bob Aithur , ngent for "Holo in the Ground , "
nnd Milt Gotthold of the "Pay Train" com
pany , were the dlstinguishc.l Hats , and THE
Unc man who was umpiring the conversation
vvasalunnod at the chances these daring
men take w Ith history
Gatthold , by virtue of his ago , claimed ho
bad been in the business longer than both of
them Ho said ho was In Omcha w hen there
w ere no houses and ho had to show In n
tent Wheeler could not rcmemboi the date ,
but ho was positive when ho was ahead of
Maegio Mitchell in the MO's they g.U'o a
matinee here , promising a gold watch to the
handsomest biby In the audience , and
though the decision caused tlio first healthy
riot iu Omiha , Iko Miner won the prize ,
being just three days old , and Miner sub
stantiated the circumstance , saving for ouo
of his ago at the time ho cnjojcd the play
very much , besides ho distinctly remembers
soaking the watch for $75 during the panic
of 1857 Bob Arthur said all the conversa
tion was undoubtedly true , but ho could not
vouch for it , ns ho was laid up nt the titno
for n month with thu gout in the Homo for
the Aged nt Chicago
Continuing in n reminiscent mood Mr
Gotthold s ud ho once w ent bv ox team from
Omaha to Salt Lute. , ( riving maglci in shows
nt nil the camps flo advertised to give
away presents , nnd at ono place ho had none
to give , so a committee from the audience
was appointed to htitig him , which thej ac
tually did , but happily .1 storm came up , and
a stroke of lightning nflxcrod the rope
"Seo here , " ho said , -'the in irks arc on my
nock yet , and my thro it even hurts mo now
when I cat hamburgersteak. "
Arthur never doljqtod the story , but re
marked , "When I vvns tairod and feath
ered " ,
"Vvhati" said the ct\qrus \
"I was saying , when I was tarred and
feathered in the last apt of 'The Tin Sol
dier ' " .
,
"Oh , never mind i our acting days , lot that
go , " and the listeners Couldn't have it.
"I'll never forgot tljp firbt tlmo I was dis
charged , " said \ pel r "Very small
reason , too I charged up fci 50 in my
expense account for a sleeper from Council
Bluffs to Omaha , and the manager was going
to flro mo until ho found I was $ -03 over
drawn So ho said that I could remain until
that was paid back , and in a week moro I
owed him * 1UJ ( Then ho proposed I should
cither take n half interest in the show or
quit , and I decided { to leaxe , and went back
to my trade of barbciing and remained
right hero in Omaha all w Inter lathering
customers on percentage "
Now \ork Dry ( iooili Market.
NEW YOIIK , Jan. 5W There was a good
business in dry goods for Saturday. The
demand continues fair The Jobbing trade
xv as good and promises to bo more active
next week.
New York KxchiiiiKO yucilutloni.
NEW YOUK , Jan SS [ Siiocial Telegram to
THE BEE. ] Kxchango was quoted as foliowfp
Chicago , 10 conta discount ; Boston , 10 to 1
cunts premium , St. Louis , 25 touts premium.
A great variety of silk drapery fringes
all at hall price , or every other yard
given away.
Silk fringe drapes , loc a yard. Two
yards giv on aw ay with ov ory ono bought.
Linen fringe for lablo covers , 9c a
yard.
Mexican and gobelin cloth for table
spreads , worth $1.2o , sold for & 3c.
Linen table covers , 1 yard square ,
stamped 05c , reduced to 2oc.
A variety of stamped , tinted nnd
commenced pieces at half price.
A fine quality double xveight all wool
cunvas , imported especially for afghans ,
WILL SELL TIIE DODGE SITE
Board of Education Willing to Dispose of
the School Building to tha Oity.
WHY IT CAN EASILY BE SPARED
Other School * Adjacent Will Ai rnmmoilittn
the Scholars rrtslilcnt I'ouolPn I'lun
Un inliiioiiHl ) llndor.sod by the
Ilo.ird ut u poclul .11 out Inc.
A special meeting of the Board of Educa
tion was held jeslei day afteinoon for the
: mrposo of considering the advisability of
ofCeiing to sell the Dodge school to the city
for jail purposes
The sccictary lead the icport of the city
louncll committee upon the matter of secur
ing a site for a new Jail
President Povv ell called Mr Smj th to the
ch ilr and explained that us the council had
advct tlsed for propositions to be submitted
not later tv.an next Tuesday even
ing ho had deemed It advisable
to call a special meeting of the
board to take some action upon the question
of ofteiing the Dodge school piopoitj to the
city nt n fair puce for Jill purx | > ses. It
would bo Impossible for the bo ml to send In
a pioposition to the council aH this
special meeting owing to the fact that
the statutes provided tint the board
could not sell pioperty excepting at
n regular meeting and by n two-thirds vote
of all the members of the board Mr Powell
hello ved , however , that the bo ud would do
well to piss a lesolutiou expressing tlio fool
ing of the boaid w ith icgard to the pioposod
s ilo so that the council , if that body s iw lit ,
might wait until after a rogul ir meeting of
the boaid , at which a delinito proposition
could bo made if the board so debited.
Could Wrll Sptrr tlin Ilullillllf ; .
Mr Powell then offered a losolutlon ox-
picsslng It as tlio sense of the meeting that
the Dodge school property should bo sold to
thocltv at a fall mice , and th it a delinito
proposition should bo made to the city coun
cil at the next regular mooting Ilo said ho
had given the matter considerable thought
nnd had bccomo convinced after talking
with the superintendent of schools that1
facilities could bo furnished elsswhero
with very little difficulty for the
230 children now attending the Dodge
school By the ereclion of a four-
room building on the Jackson school site ,
corner of Tucllth and J.ukson , and the
transfer of a part 01 the i hlldien to the Cass
school , where thoio aio two xacant rooms ,
the Dodge school pupl's could all bo pro-
x idod for w ithout being obliged to walk moro
than sov en blocks al the farthest Ho said
that very few of the Dodge school pupils
came from cast of eighth stieet Most of
the chtldicn fiom the bottoms wont to the
Pacific school , becnuso they could do so with
out having to cross a railroad track
The resolution was passed li > a unanimous
voto.
i ; -ellInic I'rlro.
There xvas some random speculation xvlth
loforence to thoxaluoof the Dodge school
Croperty. It xvas placed by x'arlous mem-
ers of the board at figures all the xvay from
W ,000 to fTJ.OOO The school district oxvns n
tr..ct there HU feet suaro and the building
is probably woith # 15,000 On motion of Dr
Dur on a commit too was appointed to up-
pralso the propertj for the guidance of the
board in making a proposition to .sell The
committee consists of Piesident Powell , Mr.
Thomas and Mr Klguttcr
Ono Held , Ono Dlirhiircoil ,
Theodore Scott , who was associated with
"Mother" Vlo How oil In the operation of n
"fence , " was hold to the district court in the
sura of f'OO yesterday by the police Judge for
obtaining $500 w orth of Jewelry from Mrs
Mclx-ino by false pretenses
The two cases of forgerv against II II
Henderson xxoro called In policelouit jester-
day afternoon and the prisoner xvas dis
charged.
hut Destitute.
There U a case of destitution at nil North
niovonth strool w hlch deserves the atten
tion of clmiltobli disposed persons Living
at the above number is a colored family
named Morton The husband and father
was , for u long time , Janitor of a Faruatn
very cheap nt 91 , novvCOc , or2jrxrds
k'lvcn for the price of ono ,
A broken line of biros in linen collars
lOe a half dozen.
Duby mittens , Gc n pair.
Lace aim chiffon fichus at half prico.
5 and SO-Incli embroidered mull
squares , former price COo and $1 , noxv
all 25o.
Uiistllo soap , lOc n do/on cakes.
Ciitnolla soap , a Hue soap , at 20c a ,
cake , now 2 for 23c.
Rubber hair plus , 6c n. do/on.
Pins , 2 papers for Co.
Nursing corsets , bl/cs 23 , 0 , and 27 ,
05c.
Broken lines of corsets , price from
51.25 to 82 , nowC'Jc.
A French xxovcn short corset , si/cs 20
to 30 , splendid value for $1.25 , now G9o.
J. B. corset , regular price $2.7o , now
81.87.
75c corsets for I5c.
street block , but sickness canto nnd the little
savings xvoro soon used up Mis Moiton
has alvvajs been n hard vvotking woman and
helped out the family incomeby taking m
washing. For the p ist four days thcio has
not been a bit of food or fuel In the house
Coroner Maul Icnincd of the case jester-
day and ordered a ton of coal sent to the
house , also a supply of provisions Both
Mr and Mis. Moitoii aie deserving of assist-
AJSIUlA ! > K.tM > Iff VAI.U'OllXl.l ,
Some oCTIiono AVho Unto Property Intcroatu
Oil tllM I'llclllr ( 'lHHt.
Los ANOPiri , Cal , Jan. i8 ! [ Special to
Tun BLK ] John Li Means , a xvell known
resident of Grand Island , Neb , Is in San
Bernardino , Cal. Ho has spent four w inters
icre nnd has now brought his family thither
and intends to make his homo in San Bernardino
dine Ho has iccently purchased MO.OOO
wotth of oraugo pioperty In Highlands
and already has 350 BTCS of land In Alessan-
dro , another nearby place Ho is now erect
ing n handsome residence in Sun Botnardluo
Kov. W H Jones , a Methodist picsldlng
elder of Hastings , Neb , has nurchased at
Alhambra , near I s Angeles , twelve acres of
land highly improv ed and on w hich thcro is a
beautiful residence The price paid was
? 0f)00 Hov Mr Jones xv ill at once remove
his family from Nebraska to his new homo.
John F. Coad of Omah i is spending some
w ccks in combined business and pleasure in
Los Angeles
W O Johnson of Omaha , representing the
Cudnhy Packing companj , has been investi
gating the hog laising industrv of southoin
California , wlilch at piescnt ho finds very
small , owing to the lack of adjacent markets
nnd the high railroad taiiiTs to other centers.
The Cudahv companj Mi Johnson states
shipped to Los Angeles from Omaha last
jcarovorl,000,000 worth of hog products ,
and these were distiibuted over u xast area
of countri from this plac < >
James Hut ley of Omaha came to Los An
geles some months ago nnd has been pros
pecting over the citj Inseaiehof a suitable
business opening Not finding any to his
tastes , ho has now gene to Phuinix , Ariz.
* Dr V S. Lolsenring of Omaha is in San
Diego looking after his propel tv interests at
that place nnd nt Chuli VistaPacific Beach ,
South San Diego nnd adjacent towns The
doctor Ins decided to locate in S in Diego
and his family will amvo in a few da\s.
Last week ho purchased a residence on the
corner of Twenty-second and G stioots In
San Diego for $ .V > 00
C C Howe , manager of the Oxnard Beet
Sugar factory at Grand Island , Neb , is at
China , xvnoro the companj has also a fac
tory
A II. ICasper , until recently chief clerk of
the supoi Intendi'iit'ii ofllco at Omaha of the
Chicago , St. Paul , Minneapolis & Omaha
railroad , has an ivod in S in Diego , having
accepted the ollico of auditor nnd ticket
ngent of the Cujamuca Uailioad companj' at
that place
Hev Mr Linker , secretnrj' of the general
mission of the Lutheran chinch , w ith head
quarters at Omaha , Is now in Albuquerque ,
N M , investigating charges piefenod
against Kov Mr Plstor , a Lutheran minister
of that place
Mrs Cald well , daughter of Mr and Mis
J Vf Hughes of Pasadena , has arrixcd from
her homo in Omaha and xv 111 spend several
months xvlth her patents
Mrs nnd Miss Himpton , xvho have been
stopping in San Dle o for the past two
months ha vo loft for their homo In Omaha ,
ia Now Orleans
Mr and Mrs A S Marsh nnd three
daughters of Hod Cloud. Neb , are In Pasa
dena for the winter They have rented u
house there on Walnut street.
Mrs J G Itcodur of Columbus , Neb , nr-
nrlx'ed at Carlsbad. S in Diego county , n few
daj's ago on a x'islt to her father , S C Smith
of that place
Mrs Minnie Hoxio of Ainsworth , Neb , ac-
compinlod by her little son , is the guest of
her daughter , Mrs On.i Judd of Glcndora
Mrs Hoxio xx ill make her future home in or
near Glendora
Mrs A K Griffith of Lincoln. Neb , is on
n two months visit to her mother and sister ,
Mrs Fleming and Mrs C T. Collier of Riv
erside.
J B. Hcartuollnnd father of Hastings ,
Neb , are nt Hast Hlveraide. w here they
have a fortj'-acro trao t planted to oranges
Sued tin ! Omaha ,
Carl W. Kcklund , administrator of the
estate of Ole O Olson , has sued the Chicago ,
St. Paul , Minneapolis & Omaha Hallroail
company In an action to recover fTi.OOO Olson
xvas the v\lper in the railroad yards whoso
head vvns crushed in thu machinery of the
air brakes of a passenger tar some weeks
ago.
A good suede inoiifquotniro , in blade ,
tan , brown nnd mode , $1.83.
A 7-liook glnco glove ; ono of the best
in the market , Sl.Iio.
A dressed mousquotniro in bro'con
sires , 03c , former price $1.50.
A dressed o-hook plovo in broken
sires , 93c , former price $1.50.
See our lc ! ) and 3Sc handkoi chiefs in
silk chitTon.
40e handkerchiefs all sold at 23c.
LUMBERMEN IN A WRECK
Derailing ; of an Excursion Train oa t'aa OM-
cage Great Woatarn Road.
ONE KILLED AND TWENTV-EIGHT INJURED
,
Three Conrhrti Fllloil nltli I'onplo O Down
a Sti-op Knili iiikiiiiint How tint Accl-
ilont Happened I.lit. of the
Dcail anil Injured.
ST PAUL , Minn , Jan 23 Heali/ing the
[ lublic dcsiro for accurate information and.
wishinglo give to thoptcss every possible
iclji In securing news , the Chicago Great
Western railroad turned its official reports
over to the Associated piess icprcscntalivo
for his use in preparing this story of to Jay'i
accident to the lumbermen's excursion ro-
ruining from Chicago :
Near Kent , 111. , n short distance east of
Dubu'juc , while i mining about ton miles an
lour , the first three coaches on the train
were thrown fiom the track by a b.xikon
rail. The baggage car and forwatd coach
went down the embankment and dropped
over m their sides , but the two folloulii
coaches went down the cmbinkmont and to-
nnined upright , 'llio following in o the cas
ualties.
I.lit nCKIllnil mill Iiiiir | < il.
W r : AC'UniJS , Minneapolis , killed.
J Ij Hi'iimr. Minnoipolis , lo , ? biulsod.
J. II II UIHHOV , Minneapolis , slightly hurt.
Gus IlAtsi.i'ii , Minneapolis , back hurt.
Wiii.tAvt HAIITVVCU. , Minneapolis , arm
luokcn
W 12 OTTII : , Minneapolis , Injured inter
nally
H. L H MUMS , Minneapolis , slightly bruised.
.1 P. IjAssiso , Minneapolis , hand cut.
O W KIKMSS , Minneapolis , head and
shoulder bruised
C H. BARMAN , Minneapolis , leg brulsod.
W. A McKirvn.iN , Minneapolis , breast
bruised
J NBWTOV Nivn , Minneapolis , slightly
bruised
H H COI.MNO , St. Paul , slightly cut.
A GAitviv.Aimlngton , knee bruised
A. P. JKNSOS , Djsart. Hllghtly cut
A A BKNSITT , Granite Palls , slightly out.
C H Vi ur , arm nnd hand hurt.
CiiAUl i's CAiiri'NTKii , rrederleksburg , In , ,
back huit.
K McGiiKOOit , Granite Tails , slightly cut
In the fnco
JOHN WATSOV , porter , Minneapolis , head
cut
H W Svwvr , Ynnkton. leftside injured.
PnTrnCiiuisTiANsoN.HIccrMjy , cjo slightly
bruised
H SMITH , Gllman , la , scalp -wound
C II CASE , Willow Park , illu bruised.
C L STFW vm , Cinon Palls , ankle brulsod ,
J Mooiiu , Coldildgu , shoulder slightly
bruised
S C Ciminr.us , Minneapolis , hand hurt.
McIC AII.V\M > III : , Ovtanatona , Injured in-
tti naliy
M J Iti'iu.i , Khlnclander , back and
shoulder biuiscd.
A doctor was on the train , who assisted in
caring for the wounded , nnd the railroad
officials ( illicitly brought additional from
nil directions and did all In its power for
the cnto of the injured.
in n ins.
KnKct * of fiw lint * nr Ins wvltr Utlt IteailIIt /
cent * ; tacit aildllloiidl line lencenln.
nOHN To Mr. nnd Mrs It. Cowoll , a daughter
on January 27 , 1HUJ ,
af five Hntnr lest un/ler / tliitica < lflfti/
r oils ; eiicli nililltlnniil line Icncrnt *
( OH Harold V. . agnda years. youngi'HtKon of
XYimlull P. and I.ona A , Coo , at Ihnlr i evi
dence. Itenson I'luee , Jiniuiiry 'M 1H93.
KAUIJAC'II Puti-r I'.agcd \oars.3months. .
1'nneral .Monday. .lanimry Ml , at 8,30 u , in ,
from residence.J71-I JucUson xlrtot , to Ht ,
Mary .Mugdiilono church Interment , Uur-
man Catholic coiiiulury.
McOAUTIIV-Martln.ago 43 years , 1 month ,
at family rosldem ( i , &OB I'oijpieton nvcnuu ,
1'nneral notlcu latur.
flllUH iphrlBin : P , January 28. aged 73
year * I'unerul Monduy. Januury 30 , from
his Into residence , 203U Patrick aviimio , at 1
o'clock p. iu. luturuiuut ut 1'orust Luwu.