THE OMAHA DAILY BEE : SUNDAY/ MARCH 4 , 189-1-TWENTY PAGES. n
INSURANCE AND ITS COST
Eomo Figures Taken from Official Reports
and What They Show ,
THREE YEARS OF GREAT PROSPERITY
Capital Alinoftt Itrtiirnrd In IJct Profit *
'tiirhft J.'iicomitrriMl In 1803 Ktpcrl-
men of CfiiiipiintrH In Xiiliraitkii
During Two Yearn.
"Ono of the favorite attacks made by
newspapers la In tlio direction of allowing
what enormous profits tlio Insurance com
panies nro making. * Tlio newspaper
that taken payment for a future Issue , or
for a future advertisement , would not Im
mediately strike a balance and claim the
present Income aa Ita profit , and yet such Is
the usual course pursued in dealing- with In-
miranco 'figures. The future liability has
been Ignored. " *
This la the complaint of a recent writer
on Insurance top'cs. Ho finds that news
paper writers do not glvo the public such
figures as would pass Inspection of an Insur
ance accountant. There Is probably some
thing In this. When a newspaper publishes
n tabulated statement It alms to make Us
figures so clear that "ho that runs may
read" and , reading , understand. It does
not try to becloud plain facts with a shroud
of misty hypothesis. In what It has hither *
to given to the public The Ileo has only
printed plain figures. There has been no
attempt to deny these ; only to explain. The
Imputation that an Insurance pol'cy Is a con-
1 tract of the same nature aa ono made for
newspaper subscription or advertising has so
little weight It hardly need be noticed.
Iluslncss men need only compare their ex
perience with newspapers and Insurance
companies to appreciate how far-fetched the
Illustration Is. An Insurance policy la only
u contract to pay a certain amount under
certain conditions , and that the company
does not anticipate paying the amount at all
Is evidenced by the fact that for BO small a
sum as 1 per cent or less It assumes the
rfk. ! Only In the remote contingency of
fire Is the company liable. If a policy was
an absolute contract to pay , with no savins
clause. Insurance companies would , according
to their own statements , bo unable to return
more than 75 per cent of the premium col
lected , aid as this rarely exceeds 1 per cent
of the amount named In the face of the
policy , the probability of settlement In the
light of "future liability" Is apparent.
RISKS AND THE PROFITS THEREON.
Whatever else may bo said , It Is true
that the Insurance companies , prior to 1893 ,
found the rates at which they assumed risks
Duinclcntly remunerative. That this Is true
may bo seen from a glance at the following
figures , which are from the books of the
auditor of Iowa. They show the whole busi
ness done during thrco years by the com
panies doing business In Iowa. Hero arc
the figures :
Year Louses Paid. 1'remlumi Collected.
1MIU $ G6.8T8.Q32 10 $130,811,790 10
1591 G7,8U5Mt 79 131) , ! U.951 CS
IMS 77,761,76247 100,177,10131
Totali .J20J , 105,700 39 $130,392,840 90
During these three years , If the average
rate charged for the Insurance was 1 per
cent , the companies assumed as risks the
enormous sum of $4,303,928,169.600. The ab
surdity of considering this In the light of a
"future liability" Is apparent. For each of
the three years there was In force almost
$1,500,000,000.000 of Insurance. These are
probably not such figures as the Insurance
accountants are In the habit of dealing with ,
but' they Illustrate very fairly the theory
that In writing a policy the company has
assumed a future liability.
As to the matter of profits. During these
three years , for each 47 cents returned In
losses , the companies collected $1 In premi
ums. This was at a rate of premium which
Is now deemed not remunerative. In those
three years the companlea collected $227,927-
110.60 premium In excess of losses. An
Omaha agent says 35 per cent of the gross
premium Is a fair amount to allow for
managerial expenses , taxes , auditor's fees ,
agents' commissions , and the like. Others
place the cost at a lower figure , some as low
as 25 per cent. But accepting 35 per cent
na fair , deduct that amount from the gross
premium , and there Is left for not profit
the modest sum of $118,153,611.39. This Is
the profit for three years on an approximate
.capital of $150,000,000. It Is an average
annual Income on that capital of $49,381-
B37.13 , or a trifle over 32.26 per cent. Thla
la a little moro than 2& per cent a month.
In these times , when money may bo had as
low na 5 per cent "a year , thla rate of Income
must strike an ordinary mortal as a pretty
fair return , oven considering the existence
of "future liability. " A plain , common , every
day shark would glvo the road to this sort
of profit scooping.
But the Insurance people do not always
do this well. Like farmers , they have their
good seasons 'and their bad seasons. They
struck olio of their bad soaso'tia In 1893.
Returns arc not nil In yet , but from the way
In which the companies have been pushing
up rates In the last six months. It would
Bccm that they either expected to have an
other bad season this year , or to get oven atone
ono fell swoop and bring the low average
profit of 1SD3 up to the figure
that represents that of the last
three preceding years. In No.
braska , nineteen companies havq made their
reports to the state auditor so completely
ns to bo ready for publication. It Is thought
that all will bo ready to give out soon.
The figures which are hero given thow what
all the stock companies doing business In
Nebraska In 1892 did. Mutual companies are
"not Included In these tables :
ItUfca written. . I13T.5CI.SM
I'lvmUnnH rccclvtil . Sli , ! .2
J-opsfS Incurred . 1,057,747
1-oi.scs pnl.1 . bl2,8S5
lixcrsB of premiums culluctcil over
Iiw.s.M luild . l.CCG.SOl
1'crcentnito ot prcmluma collectvil 10-
tuint'il In IOBBCH ( mill . 39.93
NEBRASJCA LOSSES COMPARED.
It will bo noted that In 1892 the losses In
curred by companies doing business In Ne
braska exceeded by $21G,742 the losses paid.
It la not In the province of The Bee to dis
cuss how or why this waa brought about.
Insurance adjusters are a well paid class
and , like providence , their ways are In
scrutable. But they certainly saved their
salaries to their companies In Nebraska
that year. Nebraska now has a valued
policy law and the adjuster's occupation Is
In u measure gone. The net protlt to the
companies for that year was 27.02 per cent.
Of course this Isn't a great deal , but moat
people would bo pleased to do as well each (
year. There Is quite another story to tell
for 1893 , Nineteen companies report :
lllskH written
I'rviuluniM received ; ? * '
1CJ.U2
of premium collected over losses
Per cent "uV premiums collected re
turned In losses. . . . . 67,8
In this Instance the profit wont to the
wrong side ot the ledger to the tune ot
fight-tenths ot 1 per cent. In 1892 these
nineteen companies did business In Nebraska
aa follows ;
lks written . . . WSDO.lSi )
riemlumH received . 239,212
IXIMKU imUir. . S7.103
ixce : * of premiums collecte-1 over losnes
pal. ) . . . . . 1M.1C9
Per cent of premium * collected re
turned . ' "
During 1S92 these companies derived a not
protlt oC 30,2 per cent on their Nebraska
business. In 1893 they wrote $310,647 moro
business than In 1S92 , collected $2,475 moro
In premiums and paid $76,859 more In losses.
To unable the reader to compare for him
self the exact ratio ot the t\\o years' buul-
done by each company The II oo hero
presents n table Riving the flRiirrs reported
by the Companies to the stnto auditor :
il
*
Ufff J
u'i H a f * * < ? < : ! < a f.
WHAT THE TABLE SHOWS.
Prom these figures It will bo seen that
most of the companies came out even , many
of them being a little ahead. The Sun Flro
Ofllco of London got It pretty hard , Its
losses being almost double the amount of
Ita premiums. It Is hardly probable that the
managers In London attribute this state of
affairs wholly to the low rate charged , for
the losses amount to a little more than 2.2
per cent on the total rlska written , or $2.20
per $100 , a rate that Is very seldom thought
of In connection with an acceptable rfsk.
The St. Paul Fire and .Vnnne nlmobt
quadrupled Its business In 1893 , and Its
losses Increased from $181 to $6,938. But
Its premiums had Increased from $3,726 to
$12,300. This still leaves It $5,308 to the
good from which to pay Its agents , though
when the company contrasts Ita net profits
of $1,203 In 1893 against $2,3CI cleared In
1.SU2 on one-fourth of the business in Ne
braska It very likely thinks that rates are
too low. To add the profits of the two
years together and be content with saying
Its average net profits from Nebraska bua
ness Is ? 1,783 never occurred to Its man
agers.
In the case of the Phoenix of Hartford the
figures appear quite different. This com
pany let some Nebraska business go In 1893 ,
collected $2,000 less In premiums , paid $2,000
more In losses , and yet found Itself with
$21,538 to carry to the profit side of the
le'dgcr gained In Nebraska during a bad
year nt "low rates. " Its neighbor com
pany , the Hartford of Hartford , found mat
ters different. It also let some Nebraska
business go. It collected about $1,100 less
In premiums and paid nearly $13,000 more in
losses , Ita profits dwindling from $39,304 in
1892 to $25,839 in 1893. Deduct 33 1-3 per
rent from these figures for expenses , and it
must bo admitted the remainder will show a
fairly satisfactory condition of affairs.
There Is a most decided contrast In the ex
perience of the companies whose reports
for the two years arc placed side by side In
the table. It will well repay a careful pe
rusal , and a few moments spent with pencil
and tablet may convince you that the valued
policy law and the low rates are not what la
at the bottom of the Insurance companies'
trouble In Nebraska.
ILLINOIS AND CHICAGO BUSINESS.
Ono hundrcd and forty-two Insurance com
panies did business In the state of Illinois In
1803. Their reports now on file with the
Insurance commissioner of the state show
the following :
Premiums collected In 1893 . $12r,07,232
en Incurred In 1W3 . 7,717,470
Kxccs" ) of premiums . J 4,789,702
Per cent of premiums collected returned in
lossea G1.C9
paid , . .
Cost of 'collection ( estimated ) per cent . 33.33
Net profit to the companies . . . 4.98
This * mall prod : of l.js per mi * not in a
business of $12,507,232 Is not satisfactory to
the companies. They have ordered a raise
In rates In Chicago of 25 per cent. Just how
this will pan out la not yet determined.
There Is a great protest against the Increase
from Chicago business men. In addition
there Is a dispute between PIre Marshal
Sweenle on one side and the agents on the
other. Sweenle says the gross premiums
written amount to $6,000,000 , whereas the
insurance men claim they did not reach last
year more than $1,800,000. Again the chief
says that It cut but $1,030,000 It se2un > ihe
business. The agents say It cost nearly $2-
000,000 to write $6,000,000 Insurance. On a
basis of Sweenlo's figures the companies
want to Increase the cost of protection to
Chicago merchants from $ G,000,000 to $7-
500,000 , while the cost of collecting this In
crease remains the same. This would "In-
suro" an additional profit to the companies
of $1,500,000 , or n little more than $10,500
each for the 142 companlea doing business
In the state. It Is extremely doubtful If
Chicago \vlll stand the drain. Chicago was
especially unfortunate In the way of fires last
year , ono at South Chicago burning over
several acres In a single afternoon , destroy
ing millions of dollars' worth of property ,
entailing probably more than half the total
losses suffered by the companies In the state
during the entire year.
YOU MAY WONOIM AT TlI'S.
It Is not the Intention of The Boo to dis
cuss In this article the methods of Insurance
companies In transacting their business ,
further than to point out the results of the
methods as shown by the figures. These , It
would seem , have been pretty clearly estab
lished. The good years and the bad years
have been placed sldo by side , and the
reader may draw his own conclusions. It
may occur to him that the cost of collecting
premiums Is a iri1o Eteep. Ho may wonder
why It should cost $1,000,000 or $2,000.000
to collect $6,000,000 In n district so compact
as Chicago. Ho may oven wonder why some
effort Is not made to reduce the cost of In
surance In this respect. Ho may wonder
why a not profit of 4.98 per cent of the whole
business done In one state Is not sufficient.
Ho may wonder If any of these companies
now complaining recall the wonderful pros-
porlty of 1890 , 1891 and 1892 , during which
time their capital stock of ( estimated ) $150 -
000,000 wap almost returned to them , allow
ing the extreme estimate of 35 per cent for
the cost of collection. Ho may also wonder
why ngonts will plaster policies on buildings
against the erection of which they have pro
tested , and which they know to bo unsafe
and then point to the destruction of that
building as nn evidence of Omaha's lack of
llro protection. U might also occur to him
that there Is hardly a fire trap In Omaha
that is not well Insured , and ho might won
der why the owners of well erected , prop
erly protected buildings should be made to
bear the burden cast on the companies by
the man who moves Into an unsafe building
and lots his policy In some well established
company protect him. An Insurance policy
Is rarely lost \Mien everything cl cla uitrn-d.
And finally , ho may wonder what , when the
city is BO protect * ! tint lotul | rW hy fin ,
Is no longer possible , will be the need of In-
suranco. if fire Is wiped out the Insurance
companies will soon follow.
A H.tCllE1.0K > S SATIltE.
Ktw Yin It Treat.
ph. I am n bachelor , living alone.
\\ltn no one to kUs me and call me her
SfvMiliy''iX'hlin tln , mlllnB''t | ' the city I roam :
"Well this Is a nice time of night to come
A stranger I am. I confess , to the Joys
t elt by fathers when young ones are mak-
f
never known the delirious delight
Of walking the lloor with n baby at night ;
I have no affectionate mother-in-law :
Vc's \ " ! ! ? ttom morning slunlber , u I servant waste girl not raw my
breath ,
And yet I'm not fretting myself half to
An advocate of electrical cooking claims
that of every 100 tons of coal used In a
cooking stove ninety-nix tons go to waste.
DoWltt's Llttlo Early Ulsurs. Small pills ,
safe pllla , best pills.
THE SWEDES IN NEBRASKA
Two Prosperous and Progressive Settlements
in Hamilton County ,
EXTERNAL EVIDENCE OF ZEAL AND GRIT
Historical Kavlow of 1'lonppr Work mill
Wlmt Wag Aclilcxcil In TtrcntyUna
Vturs Kxiimplefl _ of Indus
trial Thrift.
The first permanent settlement made In
Hamilton county was made In the Blue val
ley , neat the south line of the county.
Jarvlo Ghaffco and George Hicks settled
upon section 31 , township 9 , range C In the
month of Juno , 1SG6. Mr. Chaffcc built a
dugoutwhich wan the first residence In
the county.
The Andreas history of Nebraska records
ono Qeorgo Erlckson locating on section 22 ,
on Lincoln creek , as early as 18G9 , but the
real Swedish Immigration Into the county
did not commerce before 1S72. The oldest
Swedish settlement In the county Is In the
northeast corner thereof and Is , In fact , a
continuation of the Swede Homo settlement
In I'olk.
August Carlson , who lives over the line in
Polk county , was In fact the pioneer settler
In this settlement , locating on his homestead
In 1872. Ho caino from Ottumwa , la. Dur
ing the same year the following pioneer set
tlers located on their homesteads : A. I' .
Johnson , who came from Coal Valley , III. ,
but Is now living at York , owns 210 acres ;
August Anderson , from IJorgholm , la. , now
dead ; August Ltnd , now dead.
Among these who arrived In 1873 were :
S. P. Denson , from Ottunuva , la. , who Is now
a merchant In the city of York ; Charles J.
Reed , from Knoxvllle.'lll. ' , Charles Swanson ,
Peter Erlckson , H. P. Miller , from Eddy-
vllle , la. , and Gustaf Carlson , from Ot
tumwa , la.
A GARDEN SPOT.
This settlement strikes the visitor as be
ing the garden spot of the state , for a more
beautiful farming landscape the eye rarely
views , and what enhances the charmlnz as
pect Is the profublon of cedar trees planted
around nearly every farm house. Three
Swedish churches In this settlement at
test their characteristic devotion to the
service of God.
Prosperity and thrift arc noticeable every
where In this community , and although the
majority have not been hero more than
twelve or fifteen years , they have their farms
In the highest stage of cultivation and with
good Improvements. That they appreciate
the land is evidenced by their ambition to
become owners of many acres. Charles
Ostrom , who commenced his farming here
with only an ox team , is now the owner of
210 acres. Peter Erlckson , who had to bor1-
row money to reach Illinois with his family
from New York , and had to work at first In
digging draining ditches. Is now the owner
of COO acres , all well Improved , well stocked
and In debt to no one. August Carlson , the
first settler Just over the line In Polk county ,
owns a magnificent farm of 2SO acres. S. I.
Benson , one of the early settlers , as a reward
for the privations and struggles of a pioneer
life , Is now the proud possessor of 480 acres
of as fine land as the sun shines upon.
Within three-fourths of a mile of Mar-
auetto lives the thrifty and successful
farmer , Peter Hedbloom , who came to Ham
ilton county thirteen years ago not over
burdened with riches. Ho Is now the
owner of a 320-acro fuim , adorned with a
fine residence , barns and outhouses to
match , a larga orchard surrounded with
fruit and evergreen trees. In the vicinity
of Mr. Hedbloom lives Andrew Johnson , who
came from Swede Bend , la. , fifteen years
ago. Ho Is the owner of n well Improved
210-acre farm ; also Pete Thorell , who came
thirteen years ago , direct from Sweden , the
possessor of a fine ICO-acre farm.
CHURCHES.
As already stated , this Swedish settle
ment In the northeastern part of Hamilton
county-has three church organizations and
three church edifices.
Coming from the east the first ono reached
Is the Swedish Baptist church , organized in
the year 1879 , Peter Carlson acting as
chairman and Charles Suiulqulst as secre
tary. II. P. Miller was elected elder , and
Nelson Frojd and John Bonbon as deacons.
The church structure was built In 1880 ,
slzo 30x10 feet , with two wings , each 12x10
feet ; cost , $2,400.
The following pastors have served the
congregation , 1. e. : Revs. C. J. Cluider , A.
P. Palm , P. Berggren , C. G. Necker , L.
Arlander and C. J. Chader , the present pas
tor.
tor.Tho
The Swedish Mission Covenant was or
ganized In 1889 , at which time the follow
ing officers were elected : Trustees , John
Jackson , Olof Hedlund , A. G. Isaac
son ; deacons , Abe Carlson , David
Swenson. As chairman of the meeting was
Peter Hedbloom and August Hornett as
secretary. The church was built the same
year ; size , 21x3G feet , and cost , $1,000.
The Swedish Evangelical Lutheran church
has an elegant and roomy edifice In the
center of the settlement , together with a
fine parsonage , but there has been a va
cancy In the resident pastor and I failed
in finding any ono who could furnish the
church statistics.
In the center of the settlement Is the
postofilco of Stark , with C. 0. Rydson us
postmaster. The postofilco Is kept In the
store of Rydson & Hau quint , dealers In
general merchandise. Mr. Rydson's father
Is one of the early settlers , locating hero In
1S73. Christ Sorensen runs a blacksmith
shop close to the postofilco.
THE SHILOH SETTLEMENT.
Southwest of Marquette is located the
second Swedish settlement In the county
around the Shlloh postofilce. U Is also
called "Tho Chicago Settlement. " from the
number who came from that city and made
their homes here.
This settlement was made , after all the
government land was taken , by John G.
Nordgren and Mr. Rylander , the widely
known land agent of Chicago , who has been
Instrumental In Inducing thousands of
Swedish Immigrants to make their homes
In Nebraska and other states of the west.
Mr. Nordgren himself became a resident
of the county and Is the owner of 1,900
acres In this county.
Ono among the first settlers In this set
tlement Is A. P. Moberg , who came from
Princeton , 111. , In 1S79. He emigrated
from his native soil In 1871 , arriving in
this country empty-handed , but possessed
of a laboring man's capital , a good , healthy
constitution , strong arms , a determined
will , and in addition thereto n good Judg
ment and business sagacity. A little over
twenty years ago ho started lite $50 worse
off than nothing , today ho Is the owner of
400 acres of land , with fine Improvements
and well stocked and pays annually $100 in
taxes. He contends that ho has accom
plished all this against heavy odds and un
favorable legislation. Ho Is a staunch and
zealous Independent.
Olof Swanson came ono year earlier than
Mr. Moberg , In 1878 , and was from the city
of Chicago , whore ho died during the year
1893.
1893.Swan
Swan Youngqulst , the wealthiest Swede In
the county , came from Wyanott , III. , In the
year 1879. His father gave him eighty acres
of land In Illinois ; this ho gold , and with
the proceeds made his start In Hamilton
county. He Is now the owinr of tevtral
fine farms , aggregating 800 acres. He Is one
of the most highly respected clti/uia of the
county.
Jan Youngqulst also cam * ) In 1879 , from
Princeton , III. , and owns 320 acres , arid no
did P. Skogsborg and Henry Berggren , both
from Chicago , ill. , the former owning 20
acres and the latter 32) ) ,
Charles Anderson arrived In 1XSO after "IK
year's sojourn In Chicago. Ho owns 160
acres. Ap Oborg also cams in ISSO and qwiis
ICO acres ,
Among these win came In HS1 were L , U.
Olson , who tarried a while In f-'uuiulors
county and bought hla land In 1880. Ho
possesses a fine farm of 100 acres , /ndrt-w
G , GustofEon came from Chicago , but had
tried tils luck aUo n ; ho states uf Tumusxce
and Mississippi , b l' Is now TillfatlafUd
with hla 240-ocro fnrm lit Hamilton county ;
K. P. Swcnson , from Prlncnton , III. , e-
Jolces In the possession of a well Improved
IGQ-acro farm.
Among the arrivals in 1882 were Alt Qua-
HO.MDING HIS OWN- Attention is called to our celebrated brand of
IIo U holding his own cigars , the HAVANA CLUB ; which our experience
Will ) great Biitlsfiictlon
And driving his rivals , justifies us in saying will meet the approval of the
Almost to distraction. most fastidious smokers. It is a first-class , hand
With the crip of both hands made long Havana filled cigar for a nickel *
, , ,
Ha holdd tight on his knees
Ills brldo of the future
Whom ho won with great case.
When this treasure ho won ,
Fi-om these rivals ho boat.
I5no did never got stuck
On the slzo of his fcou
tt was plenty of cash
\VhItih gnvo him thla snap.
And you sec that ho won that are so commonly substituted for the NATURAL
" "
i ho great race by n "tup.
AROMA of the fine tobaccos which constitute this unrivalled
But these girls that nro bought
Very often prove llcldo , rivalled cigar. We are confident , judging from the
. ultraia
' I.ikosomany 1'tuit nro boujrht"for a nlcklo. increasing demand that all appreciative smokers will
And this brines us right down pronounce the HAVANA CLUB the best 5-cent cigar
To the subject In hand : on the market. The list .of over 100 first-class dea'crs '
Tlio superior grade
Of Ilitvunn Club brand. of this city , whose names and locations are affixed be
It is Fold far and wldo low , is an ample assurance that the HAVANA CLUB
For the half of a dlmo ,
And in ' 'holding its own , " Cigar is uncqualcd. Smoke it and be convinced.
It gets thcro each tiino.
L. E. PEYTON. 24th and Lcavenworth sis. M. ROTHSTEIN , 4th and Woolworth avenue. J. B. CONTC , 10th and Hickory streets. A. D. KEIWITT , 20th and Plorco sts.
PAXTON. HULETT & DAVENPORT. Mer W. HOLDORP , 1711 Leavcnworth street. J. B. CONTE , 10th and Martha streets. KULLEY & DONOIIUE , 2206 Pnrnam st.
chants hotel. , L. JANKOWSKI , 3111 Lcavenworth street. J. W. CLARK , 1301 Park avenue. KAER BROS. , 1022 North 16th street.
S. PERSELS , 935 North 24th street. D. MICHEALS , 002 North IGth street. E. U. EVANS , 1220 North 24th street. J. F. LALLY , 110S South IGth street.
II. J. POTTER & CO. , 2701 Cumlng street , HEIMROD &HANSON , 701 North IGth street A. A. EASTMAN , 1410 North 21th street. HENRY LEISOE , 2812 Lcavonworth st.
J. P. PETERSON , 70S North 16th street. A. ANDERSON , 2213 Cumlng street. G. S. ERB , Mercer hotel. LANGE GROCERY CO. , GOG South 13th st ,
PALACE DRUG STORE , 18th and Nicholas. J. A. PULLER & CO. , 14th and Douglas sta. P. W. FOGG , 12th and Capitol avenue. JOHN LE.MLY , 12GO South 16th street.
J. B. RIPPEY , 29th and Pacific streets. C. J. PRICE , 13th and Douglas streets. M. J. PRANK , Midland hotel. B. E. NEWMAN , 2208 Parnam street.
RISLEY BROS. , 105 North 16th street. KUHN CO. , ICth and Douglaa streets. SAMUEL H. FARNSWORTII , 22d & Cumlng. W. C. NORRIS , 1406 Pnrnam street.
C. G. RAPP , 20th and Grace streets. KINSLER DRUG CO. , IGth and Farnam sts. JOHN J. PREYTAG , 1614 North 24th street. H. M. NELSON. 1905 Cumlng street.
SAMUEL ROBINSON , I1C North 16th street. LESLIE & LESLIE , IGth and Douglas sts. WILLIAM GLADISH , 12th and Dodge sts. M. NEWMAN , 212 North IGth street.
C. E. SATTERFIELD , 720 South 16th street. MOCKELSTROM & CO. , IGth & Capitol avc. WILLIAM GENTLEMAN , 16th and Casa sts. A. NEWMAN. 16th and Corby streets.
OTTO SEIFERT , 15th and Hnrney streets. M. PARR , 10th and Howard streets. C. B. GURNEY , 21th and Seward sts. NEW YORK LIFE BLDG. CIGAR STAND ,
J. II. SCHMIDT , 24th and Cumlng streets. SHERMAN & McCONNEL , 1513 Dodge St. JOHN GUILD , 1239 Park avcnyo. CHARLES OLSON , 1516 Webster street.
SNOW , LUND & CO. , IGth and Farnam sts. . 1123 24th street.
. D. GROSS , North
W. J. SHRADER , 2Ith and Seward streets. SOUTH OMAHA.
ANDERSON BROS. . 713 South IGth ctreot.
GEORGE SCHESCHY , 1918 Cumlng street. G. HAHN , 2012 Farnam street. CHRIS MELC1IER , 21th & N , South Omaha ,
JOHN STUBEN , 17th and Nicholas streets. A. C. ADAMS & CO. . 2501 N. 21th st. W. P. HARBERG , 1220 Parnam street. PR1NGLE & ALLEN , South Omaha.
'
P. STRASSBAUGH , 19th and Vlnton streets. T. R. BRADEN & CO. , 2403 Leeavnworth st. G. H. HAYNES"l6th and Webster streets' DR. II. J. ABBERLY. 731 21th , So. Omaha.
S. II. SMITH , 10th and Pacific streets. II. C. BETTERMAN , 1437 North 24th st. HOWELL & SONS , 17th and Leavenworth C. E. FROST South Omaha.
GEORGE STRIBLING , 7th and Pierce sts. BISHOP BROS. , Sherman avo. Kyner st. streets. W. O. GRIFFITH , South Omaha. . (
T. STRIBLING , 15th and Capitol avenue. J. BRANT , 13th and Howard sts. CHAS. HASBROOK , 2121 Cuming street. CHARLES HIN55 , South Omaha.
J. P. TARPLEY , 1320 Douglas street. BELL'S DRUG STORE , 13th & Howard sts. MRS. J. T. HAST. 18th and St. Mary's avc. J. G. HAY55LETT & CO. , South Omaha.
M. P. TIMMS , 13th and Davenport streets. C. B .BRIDENBECKER , 113 South 17th st. M. L. HYLEN & CO. , 20th and Castellar LANANGER & CO. , South Omaha. ,
JAMES TIMMINS , 20th and Lake streets. BISHOP & OSBORNE , 2123 Military avenue. streets. C. M. SANPORD , South Omaha.
WILKIE & SAUTTER , 20th and Pierce sts. P. II. BUFFETT , 315 South 14th street. HELIN & CO. , 2.-.2G Cumlng street. CHARLES TRUAX , South Omaha.
WM. VON WEG , 22d and Lcavenworth sts. R. E. CAMPBELL , Bee building. S. E. HOWELL , Park ave. & Leavenworth. CHARLES STARR , 21th & N , So. Omaha.
W. T. WHITE , ICth and Dodge streets. WM. CATLIN , 115 S. 14th & 508 S. 13th sts. JERPE & NOID , 1231 North 19th street. E. J. SEYKORA , Blth & N , South Omaht
HOBART WILLIAMS , 1407 Douglas street. ANTON CAJORI , C01 Pierce street. KING & CO. , 27th and Leavenworth sts. J. S. STOTT , 2406 N , South Omaha.
Department , Omaha.
nerson and Charles Peterson , the latter
from Chicago , a < ! bot'.I ownei * of 110 acic-s.
Among these vho came in t'SS were John
M. Peterson , although ho bought his 160
acres In 1882. Ji'lm Krist also came iho
same year.
Swan N. Peter-on and A. G. Fleming
came In 1881 , borh from Chicago , ill , the
first named owning 360 acres , the latter
200 acres. .
CHURCH ORGANIZATIONS.
The Swedish Evangelical Lutheran Mis
sion Covenant was organized Juno 2 , 1883 ,
at the house of K. P. Swanson , with A. P.
Moberg as chairman and Edward Johnson
secretary ; treasurer , Alf. Swenson. The
trustees were not elected until April 4 ,
1884 , and were : Edward Johnson , K. P.
Swenson and John Bloct. The church was
built In 1S90 ; size , 28x42 ; cost , including
parsonage , $2,100. Present membership ,
fifty-four ; pastor , G. Norsen.
Tlio Free Mission society commenced to
hold religious services as early aa 1S80 , and
received visits from Revs. Frisk and Swcders
once a month. A formal organization waa
not effected until 1SS5 , at which time Olof
Swenson acted aa chairman and Osivr Berg
gren aa secretary. Trustees elected were :
A. Gustafson , C. J. Anderson and John M.
Peterson ; deacon , A. P. Oberg. The church
was built In 1885 ; size , 24x40 feet , with base
ment ; cost , Including parhonage , | 2,000 ; Rev.
Jan Jansen , resident pastor.
In the city of Aurora wo found the fol
lowing Swedish business houses : Victor
Swenson , groceries ; A. P. Swanson , gro
ceries ; Peterson Bros. , dry goods and clothIng -
Ing ; A. O. Peterson , vice president of
Aurora State bank.
ERIC JOHNSON.
J.V VIIUJICJI.
Iifa\itttc \ fi'cies.
I feel a solemn sanctity ;
Sweet rest of soul is mine.
My heart abides In solemn peace ,
My bonnet sets divine !
Grace , like a river , fills my soul.
In chastened joy 1 Hit ,
I feel religion's deepest power ;
My sack'H n perfect lit.
0 holy rest ! O Sabbath calm !
0 chastened peace sereneI
1 feel thy deep abiding fpell
How dowdy is Miss Green !
I feel a deep religious glow ,
O rapture undefined I
I know my bonnet looks so nice
To those who sit behind.
JtHLKlWUH.
The total revenue , , the Church of Eng
land , according to" recently published
statistics , Is 5,753,537 , ,
Canon Farrar saya that thcro are 7,000
clergy In the Churcll ' 61 England who are
moving onward toward , , Romanism.
There are somyUilug over 21,000,000
church members In thti'Unltod States and a
church property valued yt about $475,000,000.
Bishop John P. Newman and his wife
sailed for Europe February 21. Ho will pre-
sldo nt nine foreign .Methodist conferences
' '
while abroad. , .
The first sermon In ( Gaelic ever heard In
Now York was delivered In the First Presby
terian church last Sunday by Rev. A. C. Mc
Donald , a Scotchman.
Rev. William Clovelibid , brother of Presi
dent Cleveland , has bun Invited to preach
'
In the Presbyterian 'church at Mattltuck ,
L , I , It Is probablp ha will be asked to be
come pastor of the church.
Spurgeon preaches from hla tomb to enor
mous congregations * Tim thirty-ninth volume -
umo of his Eormons has Just been issued and
there are to bo thirteen more. The total
sale of these eennona has aggregated 70-
000,000 ,
In the Epworth league thcro are nearly
12,000 chapters , and 850,000 members have
been added In a little more than four and a
half years. TheChrlstlan Endeavor move
ment started the new year with nearly 29-
000 societies and about 1,750,000 members.
To an Italian bishop who congratulated
him upon his good health , Leo XIII re
marked , laughingly : "When I was elected
1 predicted that I would reign twenty years ,
and I am now only In the sixteenth year of
my rolgn. I believe I have still four years
before mo. "
Dr. Talmage expects to preach his farewell -
well sermon In March at the Brooklyn Tab
ernacle and start , with his wife and two
daughters , on hla projected tour of the
world about April 1. His Itinerary will take
him westward to Honolulu , then to New
Zealand , Australia and India.
Dr. Talmago's Income has been about
$50,000 annually for sqveral years. Of thla
amount $12,000 waa hla salary In the Taber
nacle , the publication of hla sermons , con
trolled by two syndicates , between $8,000
and $10,000 , hla editorial work from $5,000
to $6,000 , and his lectures about $15,000.
Even Beecher did not earn that much.
The Catholic directory for 1801 , which has
Just been Issued , gives the statistics of the
Catholic church In the United States. Every
dloceso furnishes Its own figures. The
Catholic population In many of the dioceses
is approximated , and In the absence of exact
figures the compilers of the directory are
unable to say Just how many Catholics there
are In the United States. The directory
gives the number aa S.002.033.
In tlio Epworth league there are nearly
12,000 chapters and 830,000 members have
been added In a little more than four and a
half years.
It Is estimated that no less than $100,000
reached the treasuries of the missionary
societies during 1803 from the Christian
Endeavor societies In the various denomina
tional churches.
The Very Rev. Thomas Casey , vicar-gen
eral of the Erie ( Pa. ) diocese , died worth
$250,000. Ho had given nearly as much to
the church and charity during his actlvo
life.
The Rev. A. Routh of Plney Flats , Va. ,
has been the father of twenty children ,
eighteen of whom are living. Ho Is 75 ,
hale and hearty , and able to ride circuit
and preach every Sunday , but two of hla
wives arc dead.
Bishops Llttlejohn of Long Island , Doano
of Albany and Huntlngton of Central Now
York will this year complete a quarter of a
century In the Episcopate of tlio Protestant
Episcopal church. Ten others are of earlier
and sixty-six of later consecration.
The American Baptist Homo Mission so
ciety has not reported a debt foti seven
years , but this year It has already been com
pelled to borrow $100,000 , and will probably
report a debt of at least $120,000 at the
close of the ecclesiastical year in April.
Rev , Dr. George Dana Boardman , who
is to retire from the pastorate of the First
Baptist church , Philadelphia , on May 15 , the
thirtieth anniversary of hi" pastorate , wa °
born In Burmah. and Is a son of the Into
Rev. George Dana Boardman and a stepson
of the late Adonlram Judson , two of the
most famous missionaries to the east.
Mrs. Mary Louico Taffarn Whitney , who
H pa&tor of the Unitarian church In West
Somervlllo , Mass. , first undertook ministerial
service In order to relieve her husbaii'l , Itev.
Herbert Whitney , who found It difficult to
fill two Sunday engagements , and Induced
her to take ono of them , which she did with
such success that she soon decided to ac
cept a small charge of her own ,
William II. Mills of San Francisco has In
his library two books written by John Wes
ley , In which ho says the founder of Method
ism put forth the theory of evolution. These
books are entitled "Wesley's Philosophy , "
and were printed In Now York In 1823 by
Mason & Bangs. In these books are many
passages asserting In the strongest torma
that there Is a unity In creation and con
troverting the theory of special creations.
The venerable Bishop Williams of Con
necticut , senior bishop of the Protestant
Episcopal church In America , Is to have
a suitable memorial to his longevity anil
usefulness In "tho land of steady habits. "
It will take the form of a now library In
connection with Berkeley Divinity school ,
In which ho has a. warm Interest. The sum
of { 50,000 will be raised far the erection
and maintenance of the library. In which
will bo stored the 25,000 volumes belonging
to the school.
The religious revival of 1893-91 Is making
Itself felt as strongly In the west as In the
eii'jt. In St. Louis especially the Interest
has been marked and the states surround
ing that city as a center have all felt the
effect of the awakening. The number of
conversions made Is remarkable. An In
quiry shows that during the past ( Wo months
the converts number 20,216 In ulxty-ono
counties of Missouri , 16,852 In fifty-one
counties In Illinois , not Including Chicago ,
8,574 In thirty-two counties of Kansas , In
twenty-three counties of Texas 7.100 and In
Arkansas 2,243. or a total of 53,991 In the
live states. During the same tlmo there
We have received a quantity
* * %
of fine Checks and Damask
effects in China Matting that
will be opened for early spring
lower than ever offered. You
can cover a room for the least
bit of money and have a most
desirable effect. The prices
begin at lOc a yard for a qual
ity not bad. We have the
Japanese Rugs , too , that finishes
the .effect. Call and see them.
HH-10-18 Dhotis Street
t
O m ? \ In fei , N e t ) .
Have you visited our Dra
pery Department on second
floor ?