i
CO-OPERATIVE HOME BUILDING
Facta About the Iowa Law GoYernbg
Building and Loan Associations.
EFFORT TO MAKE ALL INTEREST MUTUAL
Cumlnic Coo vent Inn of the United
States Lraitur Dulnaa In
the Local Field tien-
eral .totea.
Tha amended Iowa law governing build
log and loan associations, which went into
effect lait May, with tew exceptions tut
brea complied wltb throughout the state
and bylaws altered to meet tha conditions
lmpoacd. Under the law associations whose
bylawa have not been approved by the state
executive council before today are subj.ct
to forfeiture of charter righto. AmpL-
power Is given the executive council to'
enforce tho provisions of the law, but some
of these ars so radical that nothing short
of a decision br the highest court on the
validity of the 1- will satisfy the asso
ciations whoso methods are meet seriously
Involved.
The law is a drastic attempt to uproot
. association evils in Iowa, eliminate sptcu
latlon and restore mutuality. The vital
principal 'upon which building and loan as
sociations are founded Is mutuality. All
members ktand upon an exact equality,
sharing pro rata In profits and looses. When
ever one or more members secure an ad
vantage over tho others thi? association
cease to be mutual and becomes an orga
nization for the benefit of the low at tho
expanse of the many. The evident purpose
of the Iowa law U to prevent associations
being manipulated for the benefit of the
few, and to secure mutuality regardless of
consequences. What Is regarded as the
taproot of the evils attacked by the law
is tho system of issuing guaranteed interest
bearing stock. This Is a relc of the na
tional system which filtered into Iowa from
Minnesota. Under tho system cf guaran
teed stock capitalists have organized as
(Delations in various towns, tak.ng the bulk
of the prize stock and reaping handsome
returns. Interest on such stock Is a fixed
charge and is taken out of the treasury re
gardless of what tha profit might be
Oftentimes this fixed charge takes all the
profits, leaving the owners of running
shares to bold the rack. This Injustice tho
law prohibits. Paid up stock may be Issued,
but It must not be given preference over
running stock. Associations which have
worked the guaranteed stock business for
all It was worth announce their purpose
to attack this feature of the law in the
courts. They denounce It as revolutionary,
an attack on veiled rights, etc.. and declare
that to retire the stock would wreck the
associations. The difficulty Is not as great
as It seems. Indeed it Is a very simple
matter. All that need be done Is to annul
the Interest guarantee and pay holders ct
such stock the rate of dividend paid to
other shareholders. They are entitled to no
more. A fight on the guarantee proposition
is not likely to be succersful. The principle
of mutuality In building and loan associa
tions has been repeatedly affirmed by the
courts and any scheme savoring of prefer
ence Is not likely to receive much con
sideration by the courts of Iowa.
Ilevlew of the l.nw.
In response to a request for their views
on the law and how it Is regarded by mutual
associations In Iowa, two association men
of that state have written Jointly as follows:
"We cannot, say that we think It In
dicates very much building and loan in
telligence on the part of Its originators.
Nevertheless we think It a decided Improve
ment over the law of tour years ago, which
was evidently devised wholly in the In
terests of the so-called national associa
tions, and la an effort In the right direction.
It seems to have been actuated by a desire
to promote the Interests of the local as
sociation by protecting the public against
tha very objectionable and dangerous
features heretofore employed by many of the
nationals. The Important features embodied
In this law you have doubtless observed are:
"1. Limiting the rate of Interest.
"2. Limiting the amount of forfeitures
upon withdrawals.
"3. Limiting the expenses.
"4. Limiting the fines.
"6. Limiting stock to two kinds.
"6. An attempt to make the law retroactive
by reducing the Interest and premium sanc
tioned under previous laws to an amount
not exceeding S per cent.
"Regarding the first of these provisions,
we do not believe that locals will generally
object, Inasmuch as we bolleve that the
pievalllng rates In Iowa will not hereafter
permit the collecting of over S per ceut on
good loans, and we believe the course
adopted by some of the nationals In charg
ing as high as 14 per cent ought to be
prohibited by law.
"Regarding the second, we believe the
limit too small upon stock of a less age
than about one year and might properly be
objected to upon that ground by associa
tions who care to continue tho forfeiture
system, but we do not believe that they wilt
generally object to legally restricting the
charge upon withdrawals to a reasonable
amount.
Wlif Provisions.
"The feature abolishing the collection of
n expe'flse fund and limiting the amount
of expenses seems to us to be one of the
wisest and most Important embodied In the
new law, as the habit of numerous national
associations of setting aside In some cases
as much as 20 cent for the so-called ex
pense fund tor each dollar placed In the
loaa fund boa constituted the principal abuse
of associations operating under the national
system.
"The provision to the effect that fines can
only be charged against tho members and
not collected when payments are made seems
to us unnecessary and wtll tend largely to
nullify the advantage contemplated In this
feature.
"We think tha feature of limiting stock to
only two kinds, that of running stock and
fully paid stock, to ba somewhat too narrow
We cannot see why single payment stock
to be Issued In payments of say 550 per share
and then matured by the accumulation of
future earnings should not have been per
mitted. "The attempt to make the law retroactive
and to compel lmmedlato withdrawal of all
classes of stock other than that above
designated seems to be an unwise piece of
legislation. We understand that Judge
Bishop of Des Moines, In a recent fore
closure, has already declared this feature
to be unconstitutional, and It Is the opinion
of a number of attorneys that this decision
will be sustained upon appeal to the supreme
court.
Th Cooil nnil'thr Hail.
"It will 'be seen from the above com
ments that we regard the law as Imperfect
HAY FEVER
ASTHMA
IVevented relieved cured.
Our method will stand ir.votipation.
Don't wait until attack is on before beginning
treatment.
Prevention guaranteed those who come In
time to our treatment rooms.
Special attention paid to treatment by mail.
Every case under supervision of our physician.
Write for examination blank and testimonials.
jtCTHYMrj. CHEMICAL COMPANY,
Treatment Rooms 110 Fifth At-,
SKW YORE.
in many partclulari, but not. however, as
very objectionable to a properly organized
local association, while on the other hand
It contains some features very beneficial to
the Interests of the true building associa
tions and calculated to protect them and the
people generally against some of the vicious
and exceedingly dangerous features adopted
by many of the national associations. For
this reason the law Is vigorously opposed by
the national associations, and, so far as we
can observe, the opposition is pretty largely
confined to this clati. Without the use of
the expense fund and the privilege of
usurious interest, many et them will doubt
less be compelled to retire, as their suc
cess In the past has very largely depended
upon these features."
Council II luff a In Line.
The Savings, Loan and Ouildlng associa
tion of Council Bluffs got in line with the
new law promptly. Very few changes,
mostly of a minor character, were needed,
fur tho asfociatlon has buen and in now
mutual to the core. The principal changes
In Its plan la the abolition of premiums,
leaving the Interest charge at S per cent,
with the added privllego that borrowers
may pay oft their loans In whole or In part
at any time. Fines and forfeitures are
abolished and a rr serve fund of 5 per cent
of the earnings established. The association
Issues two classes of stock: Runn.ng
stock, requiring monthly payments of $1
per share, par value 1100 i full pa.d stock.
100 per share. Goth classes share alike in
the profits. Holders of running stock may
vote at annual meetings, but that privilege
Is denied to holders of paid-up stock. Thi
Utter stock can be retired on thirty days'
notice. A novel feature for borrower.) la
a clause providing for semi-annual deduc
tion ot Interest from tha amount credited.
Thus a borrower is not required to pay a
specific Interest charge monthly, nor does
borrowing increase his monthly payments,
unless he so dctlres. The Interest charge
is deducted In tho manner Ft a ted above.
All the changes made by the association
tend to simplify Its system and Increase
Its usefulness In promoting home-ownership
in Council Bluff.
United States League Meetlnic.
The eighth annual convention of the
United States League of Local Building and
Loan Araociatlonb will be held at Indian
apolis, Ind., on July 25 and 26. The central
location choevn for the conviction Insures
a Urge attendance. The states surround
ing Indiana contain a majority ot the build
ing and loan associations in the United
States, and It Is certain they will be well
represented. The Nebraska Icigue will taai
a delegation of three Metsrs. G. M. Nat
tinger, D. H. Christie and Thoma3 J. Fltz
morrls, president ot tha United States
league. The leagues of Iowa and Mtasourt
will be represented for the first time, and
faraway Maine promises to be seen and
heard at the convention.
The spevlal feature ot the program Is a
series of papers reviewing the history, de
velopment and evolution of building and
loan associations tn the United States, and
the extent ot their contribution to the wel
fare at the country and tha cause of home
owning. Men of expert knowledge regard
ing the movement will contribute papers.
Among thetn are Hon. Carroll O. Wright,
United States commissioner ot labor; Judg:
Seymour Dexter, Elmlra, h. Y. ; Julius
Stern, Chicago; Judge C. N- ThomTtron,
Indianapolis. D Eldrcdgc. Boston; M. J.
Brown, Philadelphia. Several i...jrs will
also be presented trestles ct va..ous chases
ot association wrk.
The United States league now embraces
all state leagues excepting that ot Cali
fornia, and Its Influence in fostering home
getting and th.-ift among wage-earners Is
steadily Increasing.
Locnt and fienrrnl oe.
The latest statistics compiled show a total
ot 5,450 associations tn the United States
at the close of 1S99, with a membership of
1,511.685, and assets aggregating J582.Sj2.S32.
Nebraska attoclatloa secretaries are now
in their busiest season, preparing semi
annual reports for shareholders and annual
reports for the State Banking department.
Most ot the latter are filed before the
middle ot July.
The fcml-annual statement of the Con
servative ot Omaha ehows assets amounting
to $438. 112.13, a net gain In 9.x months
of $103, 731. S3. The association reduced its
dividend from 7 to 6 per cent per annum,
and carried $2,000 to the reserve fund.
Earnings for the half year were $18,183.74;
expenses, $4,143.45. There are 1,943 share
holders In the association, of whom 1,237
aro males and 70S females.
Pennsylvania still holds the lead In num
ber ot building and loan associations. At
tho clcse of 1S93 there were 1.174 associa
tions in the state, with assets amounting
to $112,120,436.81, and 281,156 members hold
ing 1,943.397 shares. The receipts for the
year were $53,137,355.77; number of homes
purchased or built, 7,677.
The sixtieth quarterly report of tho Ne
braska of Omaha shows assets amounting
to $76,680.30 and 1.3S4 ac tve shares. Earn
ings since organization : 18S5 were $'J3,
06S.60, and tha expenses of management for
tho same period, $11.47.50.
Most of ths associations In the metropoli
tan district of New York are now loaning
money at 6 per cent net.
rrnMGiors.
The czar of Ruela Is favoring the project
of bulldlrur a chunh In Moscow to com
memorate the liberation ot the serfs forty
years azo.
The Zulu bible, translated by the mis
sionaries of the American board In Natal,
Is b-lng- circulated much more widely than
over before.
Trinity In New York Is the richest church
In the world. It was started as a mlsslin
by tha London Society for tho Propagation
of tha C'lapel in Foreign Parts.
Rev. Elijah Kellogg I 'till preaching
regularly at Harpswell. Me. though, in
the ssth year of his age. In a recent
Knnon on Judas' betrayal he characterized
the lovo o money as "the meanest of
human arte Hons."
Rev J M Rodwell, who died recently In
England, was a distinguished Orientalist.
He translated the Koran forty yeurs ago,
arranging the Suras In chronological order
He also published translations of the Book
of Job and ot laalab,.
Motor boats will shortly ply between
Jerusalem and Kermak, a Greek monastery
havlnz ordered a number of these vessels
'rum ilerrranv This Is the tlrst time tn
thousands of years that the Dead sea had
been utilised tor navigation.
Rev William T Hobart. one of th lead
ing missionaries In Tien Tsln. China. Is a
Methodist and first went to China In 1SS4.
Ha Is regarded us having a wonderful n
fluence over the natives, but once said the
antl-Chrltlan element would sooner or
later make armed protest.
In the congressional library thero Is
one tiny book about three Inches long
which bears the date 639 It Is a cony of
the four go'prls tn Syrlac with all the
fast dors of the church stated on the
margins. An Inscription on the outer cover
shows that the book belonged to Bishop
John John.
Bishop William Taylor, who has been
rtlacrd on the suDrannuatcd list of the
Methodist EpNcopal church has had an
eventful life. He ha preached restllarly
for fifty-eight years and bcan as a street
preacher In California In pioneer days. Ha
was afterward a missionary In Africa. Artii,
South American and the Pat-Mc Islands.
Willis W Cooper of Kenosha. WW., the
new secretary of the Twentieth Century
Revival Commission, lias agreed to devote
Ms whole time to the work without salary
This commission has undertaken to en
couMge the renewal of old-fashioned
MethoriUit revlvali throughout the country
and to bring about the conversion of 2.000,.
KW people berore the end of the year 11.
Methodist statistics for New York Citv
show that there are now sixtv-slx
membership of is.240; In the boroughs of
Manhattan and The Bronx, with a total
membership of 16.240; In the boroughs of
Brooklyn ami Queen, eighty churches,
wtth a membership of 22.4M; In the
borourh of Richmond, ten chucches, with
J.0SO members. The total for the whole
city Is )ii churches, with a membership
Of 40,5. being a gain of 331 sln- e isw. The
probationer number 3.n, a gain of 2.
Tn estimated value of the church property
1? JM?1,W' on wnla ta Indebtedness is
$1,10,94L
THE OMAHA DAILY BEE: St'NDAY,
CHISESE IS THE PHILIPPINES
How tha 8panish Authorities Tried in Vain
to Prevent Their Coming.
THEY CONTROL NEARLY ALL BUSINESS
Tens at Thoniasda of Them Killed Oil
by the lions Without lltfret Im
position of Ilarilenaituie Tnxea
Likewise Knlled.
WASHINGTON, July 13. The protests of
Wu, the Ch.neee minister at Washlng.on.
against extenulng the provisions ot tha Chi
nese exclusion laws of the United States
to the Philippine islands are extraordi
narily Interest, ng when considered In con
nection with the current situation in China
and the bloody history ot the Mongolian In
vasions of the archipelago.
This swarm of 2,000 wonderfully fertile
Islands was discovered by Magellan In 1521
and very soon after came under the contro.
of Spain. Attracted by tt3 many beautiful
Btrtamt of water, Its soft climate and its
productive soil, the Chinese followed the
Spanish Into the Islands In great numberj
and began at once to crowd out the other
inhabitants. After struggling heroically,
but unnuccejetfully. agalnat industrial de
struction the Spanish colonist obtained a
royal decree or mandate banishing the Chi
nese. The Mongolians resisted Its enforce
ment and in lu3 about 23,000 o( them were
slain.
Undaunted by this fearful sliughter the
places of the dead were pratlcaily filled fn
two year by newcomers and in 1605 the
Spanish government decreed that Chinese
to the number ot C.0C0 only might rwlde
in tht Philippines; that each resident
should pay a special tax of $8 per year and
that none should be allowed to follow any
occupation save that ot tilling the soil.
To these conditions the Chinese assented
without demur. Then went toward in their
operations, however, precisely as If no con
ditions had bees made. In twenty-five
years 30,000 new immigrants had infested
the most favored spots In the Islands and
1639 they were again ordered to leave or
suffer death. About 7,000 of them obeyed
the decrcv. but 33.000 defied it and were
slaughtered.
Slnaauore After Mnisnrre.
Instead of checking immigration, this ap
palling massacre seemed to augment the flood
tide of Mongolian immigration and In twenty
years the Ch;nese had become so strong that
they threatened to wipe out the Spanish In
sular government and establish one ot their
own In Its stead. Again they were ordered
to leave the Islands, and again defying the
mandate were slain to the last man.
In 1675 the Spanish government sent a
special envoy to the Philippines to examine
lntd the Chinese problem, and his report Is
probably as able as anything ever published
on that subject. He declared that the Chi
nese were Irreclaimable and utterly refused
to assimilate with other peoples. After de
scribing them and their methods In the
islands, he concluded:
"They Impoverish the country, gleaning
everywhere and forwarding their savings to
China. They undermine and ruin all labor
because they live on less and hence work tor
less than our (Spanish) people, and then fol
low their earnings to China, thus making
room for still more hungry swarms, which
settle among us."
Tjls report so aroused the government that
more energetic measures of exclusion were
enforced, but without much success, since In
1709 the Chinese had again become so num
erous, arrogant 'and oppressive that an up
rising resulted In their complete extermi
nation. Not In the least "feared," they In
stantly renewed Immigration from the fath
erland and by 1759 had become more numer
ous than ever. The Spanish government or
dered them to leave, giving them but a short
period In which to do so or be hanged en
masse, so to speak. Remembering the bloody
visitations of the past, many thousands re
turned to China, tho remainder were exe
cuted. Extermination DliI Xot Kxtr rmlna tr.
The stench of this great killing was
hardly clear from the air before this
strangely persistent race began again, like
J rats, to stealthily overrun the Islands, and
j by 1775 had become so numerous that the In
! cumbent viceroy decreed that every Chtna
' man found on Philippine soil on a certain
day should be executed, and this decree was
carried out to the letter. In 1S19, having
again become intolerable by their numbers
and methods, once again every Chinese that
could be found In the Philippines was mas
sacred. As extermination did not exterminate and
as tha burden ot recurrent slaughters was
growing too vast and too wearisome for the
government, a system of extremely onerous
and burdensome taxes was devtsed and
pressed upon the Chinese with reUr.Iesa se
verity. This, however, proved to bu as In
effectual oa wholesale killing, and the Chi
ni e, now outnumbering -all European In
habitants more than five to one, practi
cally control the trade and business ot the
2,000 btiautltul islands, and, ct course, can
not b dislodged by ordinary methods.
Persistence of tho character thus disclosed,
in the fa: a of punishment too terrible to be
adequately described in words, is unmatched
in tho history ot the world. It is inherent
in the people possessing more than 60,000,000
ot surplus population and whoso blighting
Immigrations have been controlled success
fully by no government except that ot the
United States.
Can this control be executed In the Phil
ippines by the United States? Yes. By the
native Filipino? Never.
QUA I. NT FEATURES OP LIFE.
The 2-year-old daughter of Mr. and Mrs.
Cyrua Hoover, living at the foot of the
Blue mountains near Grantvllle, East Han
over township, wandered away from home
one evening this week and for two days
a searching party ot 200 people were look
ing for her. Finally, while several women
ere searching through some thick under
brush, they beard the child crying for her
mother and at once rescued her and took
her home. The place where the child waa
found la Infested with many species ot
snakes and it la considered remarkable
that the little one waa found alive. For
twe dare the babe lived on wild raspber
ries. John Gllson, a colored preacher ot Mem
phis, Tenn., who la now in Indianapolis,
delivered himself ot a novel theory as to
the location ot the place of future punish
ment. According to the reverend John, the
abode of Satin is the center ot the earth,
occupying all of the s'phere except the
crust, which, he declares. Is but two miles
thick.
"Yes. auh." bo said, In explaining his
views, "It tuttlnly is true that hell Is only
two miles straight down. Right here In
Indianapolis we lives an' moves an' has
cur being with an awful future only two
miles away. I got It all figured out by gos
pel and g'lomotry an' I knoweth wherof
I speaks. The wicked, which flourtsheth
like a green bay tree, '11 find out some day
that they ain't so blame far away from
punishment as some thinks."
Tha reverend Mr. Gllson treated with
scorn the suggestion that tne present
weather conditions might hare something
to do with his application ot hla theory to
Indianapolis and vicinity and declared that
the subject wax a solemn one, which "didn't
'low no foollshln'."
Loving regard for the memory of a dead
father led Charles Frank, a wealthy com
mission merchant ot No. 79 Park place,
i
New York, to save a trunk full of clotheJ
(or revra years and his sentiment has met
nith a rich reward.
The other day. while looking over the
clothing, Mr. Frank felt some pjpets In the
pocket ot a coat and, upon examining them,
discovered three deeds, one to property in
Phoenix, Arli., and the other to prope-ty
.n New York. In all the wealth represented
is $200,000
Before his death Mr. Frank, sr . was a
noted optician and reputed to be a mil
.lonalre. He lived tn an uncstentatlous
mauner and never spoke ot h.s wealth, He
was eccentric In many of his ways and htu
sums of money In different cra.-ks and cor
ners of bis home After Mr Frank died hU
executors examined his esta:e and found .
lew than $200,000, lniteal of the larger
sum. at which It was usually estimated by
those who knew him. The property waa di
vided among his children. The finding o
the deeds partly accounts (or the discrep
ancy. James D. Hamilton, who lives in Wil
liamson county, Tennessee, enjoys the dls
t.nctlon perhaps of having more children,
grandchildren and great-grandchildren than
any man In that part of the state. Mr
Hamilton Is 79 years old. but Is as spry
and active as a man ot 50. He was mar
ried In 1S43 and nine children were born
of the union, five boys and four girls. To
day Mr. Hamilton has living seventy-flv-
grandchildren and thirty-nine great-grandchildren.
Mr. Hamilton's hearing is somewhat Im
paired, but his eyesight is almost an gooi
as it ever was, he bting able to read the
finest print without the aid of glasses. He
has bt-jn a constant user of tobacco since
ho was 21 years ot age and says a little
nip" of spirits now and then will not hurt
any one.
Mr. Hamilton Is a native of Bledsoe
county, having .been born near Pikevilio, In
Sequachlo valley, in 1S22. His children and
grandchildren are scattered over several
states .tour families of them living In Ar
kansas. Mr. Hamilton's wife died tn 1S96.
STOKIKS OP TUB IIXIIGY.
The Sunday School Teacher Clarence, can
you give an Instance in yiur own knowledge
tn which a good deed brings Its own re
a.d? The Boy Ycs'm. When we give Dr
Fourthly a big purse ot money and a sum
mer vacation we don't have to go to church
again till next tall.
"I understand," remarked a member of te
congregation who bad dropped Into Deacon
Ironside's shop, "there is some dissatisfac
tion with Elder Keepalong's preaching. Any
foundation for It?"
"There's some of 'em. I believe," replied
Deacon Ironside, filing a saw vindictively
between his sentences, "that think they
want a younger man. Elder Keepalong 1m
a little old-fashioned. He can't preach In
ragtime."
In the new Llpplncott's Magazine Morris
Wade tells a story of a minister who mar
ried a young couple at tho home of the
bride. The wedding was a pretentious
affair, with a supper served by a caterer and
a general Indication cf prosperity that led
the minister to hope for something hand
some in the way ot a fee. Just before hie
departure the bridegroom took him aslds
into a little hallway and said-
"Sorry, pareon, that I'm not fixed so that
I can do the regular thin; by you, but this
marriage business Is mighty expensive, and
er r say, would It be convenient tor
you to loan me a five until a week from
Saturday night, when I wilt come around
and pay It, sure pop!"
An old man In Georgia named Jack Bald
win, having lost his hat In an old dry well
one day, hitched a rope to a stump and let
himself down. A wicked wag named Neal
came along Just then, relates the Atlanta
Journal, and. quietly detaching a bell from
Baldwin's old blind horse, approached the
well, bell tn hand, and began to tng-a-llng.
Jack thought the old horse was coming
and said' "Hang thr old blind horse; he's
coming this way. sure, and he ain't got no
more sense than to fall In on me whoa,
Ball!"
The sound came closer.
"Great Jerusalem! The old blind fool will
be right on top of me in a mintt whoa,
Ball whoa. Ball."
Neal kicked a little dirt on Jack's head
and Jack began to pray:
"Oh. Lord, have mercy on whoa Ball a
poor sinner; I'm gone now whoa. Ball
Our Father, who art In whoa. Ball hal
lowed be thy gee, Ball! gee! what'Il I do
name. Now I lay me down to al gee.
Ball! (Juat then in tell more dirt ) Oh,
Lord. It you ever Intend to do anything for
me back. Ball! whoa! thy kingdom come
gee. Ball! Oh. Lord, you know I was bap
tized in Smith's mllldam whoa. Ball! ho!
up! murder' whoa!"
Neal could hold In no longer and shouted
a laugh which might have been heard two
miles, which was about as far as Jack chased
him when be got out.
PRATTLE OF THE YOl'.NOSTEIlS.
"Mamma." said small Tommy, when he
had eaten about half hla second dish ot
puddlns, "I'm afraid I can't eat any more
after I've eaten this,"
Little Tommy Did you ever hear a steam
calliope, Johnny?
Little Johnny No, but I've heard ma lots
ot times when pa comes home late.
"Can you tell me." said the Sunday school
superintendent to a bright little girl, ,-ln
whit condition Job was at the end of his
life?" 1
"Dead, sir," "a the prompt reply.
"Mamma," snld a precocloux youth of 5,
who had been asslsned the task ot rocklnr
the cradle containing his bahy brother,
"If the angels have any more kids to give
away, don't you take 'em."
"Oh. mamma," exclaimed a bright little
mlis of 3 yeurs one morning. "I dreamed I
haj such a cute little pony ond cart."
"And what did you do with them, dear?"
asked her mother.
"Oh." waa the reply, 'I left them In
dreamland."
"Johnnv," said a mother to her greedy
little 5-year-old. "If you eat so much lunch
you will spoil your appetite for dinner "
"Well. I don't care," answered Johnny.
"I'd rather have a good lunch for my ap
petite than a good appetite for my dinner."
"Mamma." queried 4-yiar-old Nettle,
"where do people go when they die?"
"I can't tell you where, my dear," an
swered her mother.
"But don't you know, mamma?" asked
the little miss
"Jf course not. Nettle," she replied, "how
should I know?"
"Why, mamma " asked the small Inter
rogator, "dldn t you never study geo
graphy?" THE OLD-TIMERS.
Joha Ny-. th oldest member of the
Il'l-ols Sons of the Revolution illd the
other day In Chicago at the age of 91. He
was a prominent abolitionist In ante
Iwllum days and a fast friend of John
Brown.
Samuel W. Twombley, dean of the
Massivchusettq houee of nviresenratlve'i.
will be 7S years old this month. It l. said
he has a record of attendance at every
sston of the legislature since he has been
member.
Mr. Henry Probasco, Cincinnati's public
spirited and most crenerous citizen,
celebrated his 50th birthday on Independ
ence day. H was born In Connecticut July
4. 1520, and nas been foremost In a!l the
public enterprises of the Queen City of
Ohio for very many years.
Mr and Mrs. Ellsha Brown, who live
half a mile from Hasrtnwn. Ind. ha-n
ben married over seventy years and are
still comparatively hearty. Mr Brown wa
born r'ci.r-iter 2o, lioj. and his wife July
17. 1811 They are the parents of eleven
children, six of whom are still alive
In the llttte town of Le Conn hleh up
In the Berkshire hills, a probably tlve of
tse oldest men to bo found In any village
In thn United Utatrt. They are Oaataln
Jonathan Norton, who will be 104 years old
next August, Edward Sturgls, K, E. P.
Jt'LY 15, 1HOO.
Orchard & VVilhelm Carpet Co.
Rugs! Rugs! Rugs!
f i that rugs aro taking the plact- of carpets in all well rogulnteil
IS 3, 1 flCT uon,es presided over by eeouotneal housekeepers. The business
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It
aud professional men must have rui;s to make their omee complete
and attractive. The very fact that our nifr business has increased 500 per cent in the last
two years goes to prove the above statement. To the piofessiounl men we would say that
a well furnished office is the best advertisement you eau have. A good rug (which is not
expensive if purchased of us) will furnish the foundation upou when to build your furnish
ings in fact, the rug. if selected with care, is one-half the furnishing. Note here a few of
the medium and low priced rugs which we will place on sale Monday morning. July 10.
MADE-UP RUGS We
our store n order to do this
bargain.
C ume Monday and
.-:t!-;t Urusnrli $1(1. .10
.H-;tt)-l) llruixrli .lift. (HI
S-;tvtl Axiiitiiitt-r Jit7.no
,S-;itlt-(l llruxvrM sirt..-,o
-:txll-l I!ni"rli t;j.oo
S-ttvlO-tl elrrt .- KtU.r.lt
S-.'tlU Vrltrt S'JO.OO
fi-:t10-;t HruvneU tT..0
H-H.tlO-ll llriin-.rl. 1.;.3i
N-:t10-:t ItrtiKtrN if I. 1.1 HI
S-IU lO-ll IlriiiK-ln S17..-.0
! I llrtlrl 1 .1.00
-.'iIO-tt HrucW IU.()
S-:tll Velvet IKIM.OO
S-rtxIO-il ltrttrW SHT.r.O
f-;i10-:t llruxsels 1.1.00
Sample
-ltlO-tl Smyrna Hub 1 I.7.1
ill 'Miijrna II tin .1.21
xtl Mil) run Wave SO.M
x!) Smyrna Hiik 7.2,1
NOW WILTON RUGS - NEW AXM1NSTER RUGS - NOW
Arrhins ocry day. We can show you the largest stock of tugs shown by any
to
Hi
ORCHARD
Tanner. S3, and John M Laughlln and E L,
Mviiua, wao are in their S3d year Captain
Norton Is suld to be the oldest vo er In
the United States. He has voted sin-e he
waa 21 years o.d, and iays he win caiit i.ls
ballot nest November tor MiKiuiey ami
Roosevelt if he has to be brousht to the
polls on a stretcher.
LAUOR A.U I.M)t'TIlY.
Thero are 112 unions of musicians
We supply four-ttfths of the world' cot
ton. Texas has 30,660,772 acres of unimproved
land.
New Hampshire's annual shoe output Is
W.000.O0O.
German empire has 6,0ywo workers. SUO.
OW unionists.
The Tokio Labor World says that the
factory system of Japan Is 'simily a.
s-aucoterlng house of human beings
Kansas girls In men's attire In the har
vest rield earn $1.50 and 12 a day at ligit
work, driving a header box collecting me
wheat.
Youncstown. O., claims the largest b,ast
furnaces In the country, if not in the worm
Recent teats have demonstrated ciose to
an SOO-ton capacity for pig iron In twenty -four
hours.
Electricity has Just been added to tha
making of cigarettes and cut tobacco, with
the result that lSO.OeO cigarettes and MM
pounds of cut tobacco were produced in
one minute. Hundreds of hand-workers
will be dtiIaced.
The Inte-nutlonal Union of Steam En
gineers gran ed charters to unions in &t
Paul. Baltimore and Omaha last nv-n'ti
and have secured the eight-hour day for uU
fnjs-lneers employed In twenty-six breweries
In the citv of Lloston.
A thousand dollars an acre may bo taken
out of a patch of strawberries in a season
of five months' labor. This pounds lUe a
fairy tale, but It is Juat what has been done
for the lust thirty years by Henry Jerola
man of Hilton. N. J.
The Standard Oil company has advanced
the wagus of Us employes who worn by iha
day Hi pvr cent. This advance affects
ubout 2S m In nil. It came as a surprise
to the men, owing to the fact that oil
has been on the decline for some time
The clgarmakers of York, Pa., are right
ing hard to drive out the New Y?irk tlrms
who are endeavoring to establish sweat
shops In that town. The tight Is attract
ing the attention of organized labor
throughout the country anil -Is being
watched with a good deal of Interest.
President Seth Low of Columbia unlver
ulty. discovering the other day that a num
bor of men employed in the heutlng and
lighting plant of that institution wera
working in twelve-hour shifts, at once took
steps to have their time reduced to eight
hours, through the employment ot more
men and without reducing wages.
For miles along the Pennsylvania rail
road tracks and for many miles in other
localities there stretch long lines of coke
furnaces, blazing up into the night all
through the year Above ouch oven top
the tlames burn tlercely billions of horse
power In the shape of neat going to waste
absolutplv With proper management
theeo ovens could be locnted near great
cities, the heat now wasted could gener
ate power for street cars or public heating
or other useful purposes, and the cost of
living bo reduced to millions of fajnltles.
Beyond the coke ovens on that same rail
rnd viu wtll often see burning some huge
pile of logs worn out railroad ties that are
of no use and mut be gix rid of. Rolling
bv the lire, hour after hour, are long traini
of empty freight cars, going to take on
loads. These emptv cars could take the
huge logs to the cities in winter How
many poor families could thus be kept
warm cheaply?
Three Industries are given by the New
York Evening Telegram as typical of the
caving effected by the substitution of ma
chine for hand labor. Kurty years ago
one man took "50 hours tn perforate 15V.
ouo bank checks, for which he was paid
15). Now the same work is done by ma
chinery, fix men being employed an ng
gri gate of nine hours and fifteen minutes.
They get about double the wages per hour,
yet the labor cost Is only U. Instead of $150
gtventy years ago, using quills and ruler to
rule paper. It took 4,Sx hours to do work
that Is now done by machines In two and
thrie-quarter hours. The hand workers got
$1 a day while the operator of the machine
is paid $3.50 a day The labor cont of pro
ducing a given quantity is S3 cents, as
corr.iiared with $100 In the old way. Ma
chinery now makes 1(0 pairs of men's cheap
grade shots tn 164'? hours, tin compared
with l.t-Toh hours by hand, the labor cost
being $K1 by hand and $13 by machinery
Instead of one man being employed to do
even-thing In the manufacture of women a
shoes. It now takes UO. each doing an ei
t'.rely different operation on the s hlncs,
What required thirteen hours of labor forty
years a-o Is now done In an hour The
third example U in bread making. One
thousand pounds if dough for biscuits is
rolled, cut and prepared for baking In
three hours and for'y-flve mlnJtes. as
against rlfty-four hours by hand. These
instances are typical of a hundred other
industries In which time and labor have
bten saved by machinery.
Stock Rugs
want to close out durng
we have reduced prres
look them over at such
.s.;ttu nm-irln . .
-:tli-t Annlnitrr
,s-:ui::-!) itrtmarl ..
s-;tio-o nniMPii ..
s-:w n .Ytiiitifltcr
!--:! to-t ItrtteM
S-;tlU Velvet ....
M-:un llriiKeU ...
I
8-:txfJ llrticln
S-!ttl Uruaacl .......
S-I'.vto-it Aimlnnter ...
s-;uio rt ft
S-3vtt-4 ItrtiBiHa
(4:tv 10-11 llrucl
!-:txlU Urnsaels
Rugs Real Bargains
0x12 Axmln.trr Hug 22.00
0x12 KliurrlnMnn Axmtnitrr
Ituir 2.1,00
0x12 my run Rum; 20.00
Rope Portieres
We have Just received an early shipment of Rope Portieres, which we will
place en sale Monday at prices that will startle you. We have about 20 like
til .stratira. While they last Monday only J1.S0. Other stylcm at 11.00. $2.00,
tin tn t13 AH
up to (13.00.
Lace Curtains
Everything in Lace Curtains, co-.slstlng of one pair up to three palra. have
been marked at so low a price that ,t will pay you to rail and look over the as
sortment. The following will give yci an idea, look It over:
Remnants of all Curtain Musi i and Nets, In lengths from one to live
yards each, at Jl T H"? !"
1.011 Curtnlim now, pnlr.... fl.le S7..10 Ctirtntn nun, pair.. .1.00
2.00 Curtalnx now, pair.. 1.2.1 1.1.01) Curtain no it, pnlr. .Xlo.00
:S.OO Curtains nun, pair.. 1..S3 2.1.0U Cnrtalne nun, pair.. 13.00
.",. KI Cnrtnlu uuv, pnlr.. :t.riO
nemnanto of Upholstery Goods, ,ut the thing for chairs, pillows, etc., ;5c.
SOc. 7Zc each.
& W1LHELM CARPET CO.
1414-1416-1418 DOUGLAS
ST.
This
picture
trut ta lit
it. ind por-
trsrs oung nag
UTicgiauieveiana,
Ohio who wis
willed t fortunt by
hit fithtr, ud wb
ruined bis httlth
nd mind by only
two ytirs' ldn!r,
eoee in rice ini
eicestct.
WOSOIR-WORMM
OXtDKlM.
Thaniindl o'
vL yoaoiC nd mid
dle. cd men.
trowioi! preica-
tsiely old ind en
the xer( ot dreld
piretis, becsuie ot
the practice ef ice
or exceitea, baxa
been reitofed to
perfect strength
cd elo' 'oat tain
bcod By lb ute of
tbe worartt raaa'a
best fritad. ud if
yon ma wander
Worker you will
lurptiieyaurialf
aiijoor trienda by
becomlnf a won j,
manly maa.
A PRESENT TO WEAK MEN.
I twl swt AN LXlRi KICK'S SUPPLY ut Wonater.
WarUreas A PltSLtT lt.Werv baa of Uua
wendertas remedy SOLB BUtlVO tKH MOUH U
tara who meatiest tfils adt ertiirmeot and ttda
Pf er kan taey artier tae oteficWie.
LET ALL MEN KNOW.
If too. are weak where perfect men are ttrosf ,
(no matter what your ac;e or what cauted your
weakcnsi tbe use of Wonder Woikeri, only caa
tablet at a dole three tlm.i a day will mike you
wetland s frost, juit at certain at tbe tun ihlnea,
Tbeyabtalutefjr curi Varicocele, Lott ttanaood,
Impotencr, or any D'rangemsut of ihq Nervont
Sjitom. Vie them at bctua In perfect prl'icr,
and bear la mir.d that It it perfectly tcfo to uia
them under anyclrcumitancet. Tbaybra cured
inorr man 3-11,000 men d trine, the p-lt t"0 year.
Wonder. orters do not contain any Pbot
phorut or Spanith Fly, or any ctber of the mia
erala, eicitanti or paisont thai aiako tba vile
nottrnnn sold by tha frauds and quackt m
Uaiercut to human life.
Rtad My Affidavit of Protection.
I DO SOLEMNLY SWEAR that Ian than
tbrea waekt uta of Cr-tk't Wander-Workers by
me when forty tour year old effected a cure cf
extreme Nerooi Exbauttton, Piln In the Back,
and an E&fecbled Coadltion of the General
Syttem, that tba namat cf all who pnrchaee
Ibrm will ba held larred, and there 1 so
scheme of any kind connected with tbolrtale.
CEO. S. DECK.
Sworn to In Serlnafmld, Ohio.
OHO. A. BUKO, notary Pubik.
The Price of My Wondtr-Worlter.
The price of Wender-Worlers Ii only One
Dollar per bci, ilwyt caih with tha order,
by expreit at your eipeaie, It will ecit you 2S
cent to lift it from your etpteta oflea. If yea
lend $1.15 I will land them by mall prepaid,
Ihut tavlsi you ten centt. All (oodi teat la
plaia packaca the una day order It receded,
I am tbe enly man in tha medicine beiinen
who bai telemalr awora toit tba medicine ba
111 cured hijiielf, ind that the nainet of all
who buy will be held tiered. I am tbe lela
owner and proprietor of "iKk'tWaadar-warkare
fur Man," aad 1 never have had. do net now, aar
never will nave any aftllitloa In any way wltb
tha "C O D ' black. mallert. "Doetcr by Mall"
Impettert, "Free Trii I" humbug. "Macnetic
fakin, or "Divine Htaler" tcampt, every one
of whom are unworthy ot the patroaa(e of any
man. If you bava any doubt about ma write to
Mr A. R. Cobauch, Caibier at tba Firit
National Dank ( thu city (the bank of which
Ei-Coverner Euihell, of Ohio, is President) or
ta toy of your friendt who may ba living bare.
Sincerely your friend,
GEO. S. BECK,
420 S. Market St., Springfield, Ohio.
wucox TANSY PILLS
For aiiiti th. enly lib tnd tellibl. female
fCk Willi!
Sf ostlrnl Co., m ,S, itt- 3l. Phil., fk.
Sold by Beaton-McOInn Drue Co., and
Sherman A McConnll Drue Co.
HEADACHE
ache. No cure, so pay.
Stream's Headacha
Capsules rosttlvely
cure til k nn head
2 Sc. at all drutflaU.
Is
mm
I.)
V
m
m
m
m
(0
m
m
m
Hi
m
m
fly
tht dull seasou every made-up rug in
oil them, making every rug a great
prccs as follow
.Ml.'-M S-IlTfJ Vrlrct PlO.no
. SKI.OO .s'txlU Aiiulmter M 1.1. .10
. Slll.lO lltll HrusncU 17.00
..l7.oo K12 llrunspls itto.00
. !S.OO DxlU llrup! U.1.00
.M'J.OO IKtt-0 llriieW 91.1.(10
.l,t.'M tlx 11 llnt'nrtu 17.00
.--1.00 llMlxl.-t AxmltiKter rJO.OO
lt:t..10 10-0x12 Aimlmtrr 920.00
. H'J.l.tlil H-Dill-0 llrusncls m .11.00
.1U.T., t)-012-0 AiuilitMer U4.l)tl
.20.00 10-Oii;t-tt AllilliiAlrr 12 I. .10
.1.1.00 1)-(lxl2 tmilliMrr 20.00
. i:t..10 10-(t1t-0 Axliiinttcr 17. fiO
.917,00 10-41x12 Velvet ! lx.no
.10.00 10-Oxl !-! llriiapiel 10.00
OxlO Smyrna It UK 11.7.1
11x12 AMillimtrr Hiik 1.1.00
7-ltxlO-ll Miljrnu Hiik ,IO.OO
tlx 10 Miiijriia Htm :.. 1.1.0(1
SMYRNA RUGS
establishment in this country.
(fv
TRIAL
DEATH TO HAIR
ROOT AND BRANCH
New Discovery By
The Mimes Ucll
A Trial Treatment FREE To Any
One AffllcisJ With Hair on Face,
Neck or Arms
We bnro at last made tbe dlacorrry
arblclt lias batllrd cbrailiit and all othrrs
fur centurlM thru of absolutely destroy.
iuk- mparnout nair. root and DrantB,
Ulreiy and .crtnunently, and tbat
Ithotit frapairln In any way tbe fir
too
pair nir In anr war tbe finett
or mint heniittvo ski.i it li scarcely
pouibls to ovmtnte tbe itnportancs ot
thrt illt:riTory. or the freat Rood and aitit.
faction It will be to tboe afflicted wltb
onouf tbo mutt dlfBs-urinK arul nea-rartt.
lnir bloralihcs- that of ui'rtliioin Lair on
the face of women, wht'ther it I a mua.
t actio or growth on tbe nock, cheeks or
arms.
The Missis Bell havo thoroughly totted
lt ettloacy and are ileMrous that the full
mt-ritsof tkeir treatment to wblcb tlicy
have ifiven tin- dr-vrintlvanamo cf "KILL.
ALL-IIAIII" shall Lw known to nil afflicted.
To this end a trial will Ik tent frro nr
charges, to any lad who will write tor it.
Without a cent or con you cun so for
yourselves what the dlv-ovcry In; the
evidence of your own rentes will then
eouvlnre you thiit tho treatment "RILL-ALL-HAIK,"
will rid ynu of one of the
(treated drawhncke to perfect lorelinru,
tho irrnwth of nupurtiuoui hair on tho face
or neck of women,
Plenro understand that a personal demon,
itr.itlm of our treatment costs yoi
nuthlnir. A trial will l cnt you free,
which you ca-i uo yourself and prove our
claims by addressing-
THE MI5SES BOLL,
78 & 80 Fifth Avenue, New York
The nitset Bell', Complexion Tank Is a
hnrrulets iltjuM forcxternal application to
the ekln It remoTi-n entirely nil freckles,
moth, blackheads, plmplrn, and tan, and
euros entirely acne ind eczema, and
txiftutlHo the cnmplexlun. Price SI 00 per
bratle. thrco tiottlco (unally lequlred to
clc-ir tho piimpwtnni 1 ?5.
The nttaet Bell'e Capllla Rtnovn is a
prinrntlnti for naturally rrMorinir g-ray
locks to their nrta-lnel colnr, Capllla
Itennvali renltv n flair Fowl, and strength
ens and lurlioratrs the hair In a natural
way nnl thun retorei Its original color.
Fdiiofl 'Operlottle.
T'ta M asts lull's Skin Pood In a inft,
creamy ntqnuitely scented ointment, for
mild rues of roughne.., rrdi o-j, plmplee,
etc.. It a cure in Ititilf Is an 'xrelleut
reMrltir erenm Itlce 'f, rent, rer jar.
The Mltect Bell's Lambe' Wool Soap Is
malnfrcm pilreoU of Lambs' Wool, price
SS can's per rnke.
A complete line of nhovc exnuHtn
preparation" aro always kept In stock, and
can be had from mtr local n-tuut
The Misses Bell's Toilet Prepsratlont ire
for eale la Omaha by KUHN & CO., the re
liable Prescription Pharmacists.
Dr. Brsvdtora s CompoundfOold Star Brand)
COTTON ROOT PHIS
cositlvely remove the moil
obstinate femme .rrej-alnrt.
ties, obstructions, etc . from
any rauao In i: hours Frke.
tz. Guaranteed a powerful,
tiarmleas regulator for
women Failure impossible.
One box alwaya aulTl lent,
Sent to any addres. mcure-
lv aAl,4 In ntnln
trport receipt of prl-e. Send for t-adle'
iJj."efv.Jar,lculr an1 testimonials frsa,
DR, BRADFORD CO., 54 Wast d at..
New York.
Pennyroyal pjlls
M ,-i"7V . . Ort1aI t4 Unlr Oaaulaa.
aT-',TlA!V,r,t- 1JMJ Ladle. Ciaii1
jy?M ' ClIlCIIKSTEIfs K.-lGLIjJlI
I- --. v i m snuii hii m m
HI i.,lw.. rakeaaelkrr. Uervie
lc,r kak.tllall.., a. a Imlla
Uaaa. r ! jnr lr.ip,t i.
"ffA.'f. F arttealare. T.tl..l.l(
U4 "Rllrrrl4lr"la tl ; n
...,,i. oiriNHr i.ewii
Heatlia uie aaaart, PMiae.. i'j2