TIRED
WW"'
BACKS
ggggggggggggggggggggP iaM 0 v milW.fsJ&mJffMdX! EHhataaaaaaaaaaaal
Backs that ate tired weary worn out.
Backs that are lame-weak- aching. Bad Backs -Sick back -backs
that ache like a toothache -that keep you awake nights with their
never-ceasing pains and aches -that are the burden of the day should
not be neglected Backache is the Kidney's cry for help neglect its warning means many
Kidney ills Urinary troubles Diabetes Bright's disease. There is a certain cure
DOAN'S KIDNEY PILLS
A modern Remedy for every Kidney ill f or kidneys only -goes
spot. Not an experiment but a proven cure endorsed by people
T
right to the
you know.
PROOF
South
15th Street.
Mr. A. Itnusehcrt, houso and
sign painter. No. 105 North 2Sth
Ave., whoso office la at No.
103 South 15th street, telephone
10RO, says:
"Backache Why, 1 had It so
bad for two years that It awak
ened mo ut night, and when the
attacks were at their height,
trouble with tho kidney secro
tlons set In. When I went to
Kuhn & Co's drug store for
Doan'H Kidney pills I hail very
little faith in their merit, but
half a box cured me, although I
took moro to make the Job cer
tain. It scctns curious that after
using liquid medicines and other
preparations for my kidneys
Doan'H Kidney rills should ef
fect such a wonderful and
rapid cure."
North
12th Street
Mrs. Michael Tosoncry, No, 605
North 12th street, says: "My
back often ached so severely
that I could hardly stand It. 1
have been at times so that 1
could scarcely movo and to
stoop was an utter Impossibility.
To add to my misery, troublo
with tho kidney secretions ex
isted nnd I was constantly try
ing something to cure me, but a
cure never came. My husband
pot Doan's Kidney Pills for mo
at Kuhn & Co's drug store, cor
ner 15th and Douglas streets,
and after taking them for a
week, much to my surprise and
considerably more to my grati
fication, the long-standing
trouble disappeared. Send any
one In Omaha to me If they
want a personal recommenda
tion of Doan's Kidney Pills.
North
21st Street.
Mr. Charles Hcnntng, 3024
North 21st street puts: "I
wns hurt lu the Union Pacific
locomotive shops nnd ever
Hlnce I have been annoyed
with attacks of pain In the
small of my back. Heading
advertisements about Doan's
Kidney IMIls led me to. pro
cure that remedy at Kuhn &
Co.'s drug store, corner 15th
and Douglas streets, and It
was the best Investment I
ever made. Tho treatment
cured me."
I North I
28th Street
Mrs. J. T. King of 1516 N.
ISth street, says: "Three weeks
beforo I got Doan's Kidney Pills
at Kuhn & Co's drug store,
corner 15th and Douglas streets,
I could hardly crawl about tho
houso on account of pain In tho
small of my back. I woro plas
ters all tho time, but they did
me no good. When sitting or
reclining I could scarcely got on
my feet and I attribute thij
cause to an accident when 1 fell
off the sidewalk, broko a limb
and Injured my back. Doan s
Kidney Pills at first helped me
and finally disposed of the last
attack. It requires very llttlo
Imagination to reason that what
benefited me ho greatly can be
depended upon In tho future
should recurrence take place."
Pacific Street
Mrs. Katlo O'Mnra, No. 2129
Pacific strcot, says: "For seven
or eight years I was troubled
more or less with rheumatism
and sharp pains across tho small
of my back. Working pretty
hard looking after my family Is
what I think brought on the
trouble. I was much wprse In
the mornlngB on rising, and bo
came some better after being up
and around for somo time,- I
saw Doan's Kidney Pills adver
tised and got them at Kuhn &
Co's drug store. Before taking
nil of tho box 1 knew they were
benefiting me.. They cured my
back nnd helped my rheumatism."
Get what you asR
for. Get DOAN'S. Don't
a c gg pt something
"just as good.'" Most
druggists sell
JDoan's Kidnoy Pills
and will give you
what you call for.
Some may endeav
or to substitute an
article they maRe
more profit on. In
sist on having the
genuine. Price 50
cents. Manufactur
ed by Xoster-Mil-burn
Co., Buffalo,
N. Y.
INSURANCE ON NEW BASIS
Why to Batts Art lain; AdTanwd ii
Omaha aid Eliiwltn.
MUST HAVE S00D PROFIT ON PREMIUMS
Earnings of Companion No I, linger in
lie Ilased on Capital Invested, but
on Amount Collected from
l
I'ntrona. ,
The action of certain members of the
(Commercial club In beginning an investi
gation Into tho local rates charged by fire
Insurance companies at present seems to
have hung fire. Tho matter was first re
ferred to tho Insurnnco committee by tho
executive comraltteo of tho Commercial
dub. Two weoks passed without a re
port from that couitnltteo nnd then one
member asked: "Who lu tho chairman of
the Insurance committco?" It transpired
that' this committee Is presided over by
H. E. Palmer, an agent of several of the
companies Interested.
A now committco was nppolntcd and It
ras Instructed to employ an Insurance "ex
pert" at n salary of $25 per month to In
vestigate tho affairs of tho companies In
sofar as they may havo a hearing
upon the situation In Omaha. Tho "ex
pert" Is now at work earning his $25 per
month nnd the Insurnnco companion nro
Introducing tho schedule rating ns tho
policies carried by tho different business
houses expire From time to tlmo mem
hers of tho club report that their rate
havo been raised from 25 to 100 per cent
on stocks and In smaller degrees on
buildings, whllo others report n decrcaso In
building", but such an Increase on stocks
os to make tho general effect a higher
rate of Insurance,
Cirnrml Inrrcnxr Coiitriiiiilntril,
That the plan contemplates a higher rate
Md not a mere "readjustment and the
placing of rUkB upon a scientific basis'' Is
shown by a letter recently Issued by VI
President Evans of the Continental com
pany, In which ho declares the purposo of
that company to bo a change In rates
which will permit a profit to the company
Df 7W per cent upon earned premiums.
The fact that Mr, Kvnns basca the profits
duo the company upon tho earned pre
miums Is the key to the difference In
rasnner of conducting tho affairs of In
urance companies compared with Indus
trial and other forms of business activity.
To the averago business house tho profits
ro based upon the capital Invested r.r.d
the number of times that capital Is In-
Vested nnd reinvested at a profit In the
Bourne of the business. Insurance companies,
while' hoping tor a profit on their capital
stock, d.o not have that capital Invested In
tho business In the usual sense of the
term and depend upon 'their profits from
underwriting from the difference In the
money paid as premiums at.d that paid out
ton losses or for expenses of management
the capital In the meantime being Invested
In stocks and bonds, whore It earns dlvi
tlends Independent of the legitimate bust
boss of the company.
Profit Durlilw Ten Year.
A review of tho work of the companies of
the United States for the lust ten years, as
abown by tho charts prepared by publishers
.connected with Insurance business from ro
ports of the officers of the principal lire In
suranre companies of tho country, shows
that, through the increaso In expenses o
nunagemer.t and a largo rate of loss, sev
ral cavfajdef havo had to depend, upon
their outsldo Investments for profits from
their business, but that on tho whole the
companies havo been fairly prosperous.
Taking ten representative companies from
tho 215 given In the chart, these companies
being the Aetna, tho Hartford, tho Home,
tho Agricultural, tho Aitiertcan of Newark,
tho American of Philadelphia, tho Spring
field Flro nnd Marine, tho flritlsh Ameri
can of Toronto, tho nuffalo German and the
Flro Association of Philadelphia companies
taken nt random from the chart thero Is
shown n gain in tho not surplus of these
companies of $!i,130,132 with ono company,
the American of Philadelphia showing a
decreased surplus of $'9,791 during the ten
years. The average Increase In tho net re
sources for that period was $913,013. It Is
not possible to give the capital stock of
these ten companies, as one of them Is
foreign to the United States and its cap
ital Is not given In tho chart, but tho cap
ital of tho nlno companies of the United
States given nbovo Is $12,250,000 and the
Increase In tho not surplus of theso com
panies In ten years Is about 75 per cent of
tho capital stock this Increase being made
up from profits on underwriting nnd profits
on Investments after all expenses and divi
dends, If any, have been paid.
Uiiominii A KR remits of Anaetn.
Taking the gross assets as a basis of
comparison, a very marked Increase Is
shown. With something moro than $12.-
250,000 Invested in tho business In tho
United States the gross assets havo been
Increased from $15,24S,18ji in 1891 to $61.-
356,910 In 1900, a gain of $16,105,722, or
131.5 per cent on tho capital In
vested over 13 per cent per annum. The
averago annual premiums received by the
ten rompanles for tho period of ten years
from 1S9I to 1900 Inclusive was $22,573,400,
making tho Increase In gross assets over
71 per cent of tho average nnnunl premiums
received during tho same term, and nearly
the rate fixed upon by Mr. Kvans as tho
profits desired from tho premiums per an
num 7.5 per cent.
With an Increase of 13.1 por cent on their
capital titock from all sources tho gain of
the ten companies from underwrit'ng dur
ing the period has been $10,822,250, which
is 88.1 per cent. on tho cnpltnl Invested
during the term or 8.81 per cent per an
num, showing the Income from sources not
directly connected with the Insurance bust
ness to have been more than 4 per cont per
annum. This would prove that tho capital
stock has not been employed in the busi
ness of tho company, but has been gener
ally Invested, for, taking tho tlmo from
1891 to 1900, It will bo universally admitted
that Industrial and other securities hivo
averaged dividends very little In excess of
4 per cent per annum If they have equaled
that rate.
Taking tho averago anntinl premiums paid
for the term $22,573,400 It Is seen that the
averago profit from underwriting during
thut time $10,822,250 was over 47V4 per
cent, or more than 4.7 per cent per annum,
Cost of Operation.
Taking up the matter of expenses it Is
found thut nine of tho companies show an
increaso In expenses other than losses of
$3,017,802 from 1891 In 1900, while one com
.patty shows a decrcaso of $219,611, leaving
a net Inrrearo of $2,79S,191 during that
time, bolng 22.8 per cent of the capital
stock of, these concerns. Tho average cost
of operating a cotnpuny, according to tho
statements of experienced goneral man
agers should not exceed 40 per cent of tho
premiums received leaving 60 per cent for
lire losses and profits. The average ex
pense of munugemcnt In the ten companies
given above for the ten )cars covered by
the charts, given In comparison with the
premiums received, has been us follows
Aetna, 32; Agricultural, 45; American of
NowaiK, 38; Amerlcau or Philadelphia, 38;
Drltlan America, 32; Puffalo-Perman, 40;
Flro Association of Philadelphia, 37: Hart
ford, 35; Home, 38; Springfield Flro and
Marine, 37. These companies havo been
conservative in their management, and In
but ono case have the expenses of man
agement exceeded tho 40 per cent fixed as
the limit.
When we turn to the general average of
all companies quite a different stato of
affairs exists. The average rato of manage
ment expense benrs to the totals received
from premiums tho ratio of 51 per cent, 11
per cent higher than tho limit allowed by
wlso management, and yet tho majority of
theso companies show a general Increaso
In their net resources and gross assets, al
though on tho averago of all of the com
panies tho ratio of flro loss to premium
has been 62 per cent, making n total output
ot 116 per cent of tho amount received from
underwriting or a deficit of 16 per cent In
that connection. This great ratio of 62 per
cent is not mado up of high averages, but
of exceptional cases, affecting compara
tively small companies. ThtlB the American
Flro of New York, which In 1895 decreased
Its premium receipts from $1,504,714, In 1894
to $879,10.1, had that year a ratio of loss ot
182 por cent; tho Armenia ot Pittsburg,
with premium receipts of $125,331 In 1900,
had a ratio of loss ot 100 per cent; the
Colonial, with premiums of $272,680 in 1899,
had a ratio of loss of 100 per cent, and In
1900, with premiums aggregating $250,623,
had a ratio of loss of 144 per cent; tho
Erie Fire of Buffalo in 1899, with premiums
ot $263,562, had a ratio ot loss of 119 per
cont; the Flro Underwriters' Agency of
Cincinnati, with premiums of $41,218 in
1891 and $50,842 In 1892, had ratios of losses
of 103 and 100 por cent for thoso years;
the Oorman Fire, receiving premiums of
$84,407 in 1893, bad a ratio ot loss of 108
per cent. Other companies In other years
have shown fire losses of moro than the
amount received from premiums, but a
weak company receiving small amounts In
premiums, managed with poor Judgment,
has ns much effect In making up tho gen
oral ratio of loss to premiums as Is effected
by the strongest companies under the most
conservative management.
Profit Iteully Knrned.
Tfilf Inn" (tin f1K rnmnnnlAfl Hnlnf- tinolnftaa
In thn ITnttori Rtntf. thn rnnnrt nhmva ttint
fliirlnrr thn tfin vnnrn mntlnnd 14ft rnm.
panics made a net gain of $6,436,944, while
seventy-nvo companies snow a net loss of
$1,568,128, making nn average net gain to
nil I'nmnnntPR nf S4.fi68.Rlti. np an nverfl&rn
not gain to each company of $22,645.65,
wntie me averago iobh io eucn or me seventy-five
companies was $20,908.
"WAH00" CRAWFORD MARRIES
l-'iiiitnun Clnelnniitl Outfielder Take
III Ilrldr from City ot
Oninlin.
"Wahoo' Crawford, the famous Cincinnati
outfielder, was married in Omaha yesterday
to Miss Ada M, Lattln, daughter of John W.
I.attln, n stock dealer living at 4820 Call
fornla strcot. The name which the bride
groom gave when npplylng for the marriage
license was Samuel B. Crawford. He balls
from Wahoo and has nlways been known In
bate ball circles by the name of tho place
of bis nativity. Rev. J, J. I.ampe per
formed the reromony.
Itelatlrr to Get luNiirani'v.
CHICAGO, Oct. 30,-Frank H. Smiley, who
turned state's evidence In the Defenbach
Insurance cuse, was given his liberty today
lie relinquished all right to the $5,000 in-
surance on Murla Defenbach a life. This
ends the criminal proceedings In the case,
as ur. August .m. L'nger is in the penr
lentt.try anil Wuylnml Rrown was nre
vlously let off with n line. The Insurance
money is still In the hands of tho court
and will nrouanty, it is said, gq to tho
uniortunato uirl's. relative JL
BAD WEATHER FOR TRADE
'Whtltialtri and Entailers Art All Hoping
fer a Gold Watt.
NEW RETAIL STORES HELP OUT JOBBERS
By Stockton Netv IIxtalilUTinientu
Omuhn House MnnnKC to Show nn
Incrrnsp In Volume of rinsl
n ess fur Month ot October.
Summer weather In October Is playing
havoc with tho retail trado in the states ot
the Northwest and Is having a secondary
action on the Omaha wholesalo sltuatiou.
Whllo tho trado ot tho local houses for tho
present season has been better than for
any corresponding time in their history,
thero is a lack of refilling orders for fall
and winter goods which aro generally re
ceived about this time, ns the demand for
winter goods on the part of consumers has
been practically nothing In the Omaha ter
ritory during the last month.
This condition is not confined to any one
line, hut to overy line of business In tho
city. Tho dry goods men have had a good
month's business, much In, excess ot the
averago October, but It has not been oc
casioned by any Increaso In the usual de
mand, but from extraordinary conditions,
which, however, promises better for tho
future. During tho last two weeks In UJo
territory contributary to Omaha several
now dry goods houses havo been opened and
the Omaha Jobbers havo been fortunate In
securing the stocking orders, amounting
to thousands of dollars, nnd changing the
showing for October from a decrcaso com
pared with tho eamo month last year to a
notablo increase. Ono ot the new houses
opened last week was in eastern Iowa and
representatives of Chicago houses, ns well
as thoso of Omaha, were present nnd sub
mitted figures, Omaha capturing tho order
on prices and terms.
Fitch & Willis ot Custer, 8. D., were on
tho market yeBtcrday making what Is
practically an oponlng purchase. The
houso has been in operation at Custer for
somo tlmo and is one of tho sound firms
of the Illack Hills country. A flro recently
destroyed their store, with practically all
of the contents, and tho firm has Just made
arrangements to resume business.
Wcnthcr'n Depression Kffeet.
The weather Is having a depressing effect
upon the oyster and fish bouses, the season
being unfavorable for the transportation of
such goods. The condition ot the meat mar
ket, however, has caused an unusual de
mand for oysters and flsh, so that tho trado,
in spite of the weather, is about up to tho
average. Poultry prices remain unchanged,
but with an increased demand, this form of
food taking the place of the higher-priced
meats in tho homes. Gamo Is higher this
year than it has been at any time before
the opening ot tho shipping season. The
offerings aro light, tho only stock obtain
ablo being from local sportsmen who sell
their surplus gamo on arriving from the
fields. This Is entirely consumed by the
local demand, retail prices ranging from
$7.50 to $12 per dozen for prairie chickens
and $5 to $6 per dozen for mallard ducks
Tho wholesale prices paid by commission
men are $6 per dozen for chickens and $3.50
for ducks. As the law prohibits the ship
ping ot game these prices will probably rule
throughout the season.
lieports to local dealerB from the Interior
of thn state arc to the effect that there have
been several attempts on the part ot hunt
ers to ovado tho laws, Ono consignment of
iMrae shipped tm IWtyV W Nfth.
Platte was returned to the shipper by the
express company after tho agent had opened
tho boxes and found that thoy contained
game. It Is said that the express com
panies havo In good faith taken up the
question of enforcing the provisions ot tho
law In regard to shipments, and this Is re
sulting In tho failure of tho efforts of the
pothunters to cvado the law. With colder
weather and an Influx of ducks from the
north prices on theso birds may decline, as
none ot tho dealers have carried the amount
on hand permitted by the new law.
ENOUGH ROOM FOR TRUANTS
Superintendent Ienrr Say He Can
Take Care of All Who Are
Brought In,
1ECTIIC SWITCHING NOW
TTiitn Faciflo Opiratti Naw Iitirlooking
twitch aid Eignai lyatami
EVERYTHING CONTROLLED FROM TOWERS
'1 can provide schooling and room In
schools for nil the truants they aro likely to
bring me," snid Superintendent Pearse yes
terday, "so it Is not probable that the
enforcement of the new truant law in
Omaha will discommode tho public schools
to any extent.
'There aro a few more than 300 school
rooms in the city and if 1,000 truants nro
swept together from all over Omaha and
sent to school that will only bo an average
of about thrco more pupils to the room.
This will be a very small Item In a room
that accommodates fifty scholars, so small,
In fact, that the addition will be scarcely
noticeable."
The now truant law under which Omaha
youngsters are to be compelled to attend
school this year is a severe one. It pro
vides a flno ot not to exceed $25, to bo im
posed on the parent or guardian of any
child coming within the specifications of
tho law.
This compulsory education la to begin
whea tho embryo student is 8 years of age.
For six years continuously, till he Is 14
ho must go to school each year two-thirds
of tho time prescribed by law for the
holding of school sessions.
This samo law, however. Is nlso tho
reason why no steps havo yet been taken
In Omaha to bring in the truants. The
fact that children need attend school only
six months out of the nlno gives them a
margin of three months, which has not yet
expired. Any child brought In now could
say that be intended to commence oa De
cember 1, when there would still be six
months ot school left.
GETTING READY TO EXCAVATE
Auditorium Committee 'Will I.rt Con
tract for Turnliitr Ground la
Nenr Future,
At the meeting of tho board ot directors
ot the auditorium company today the
question ot advertising for bids for the
excavation will come up and It Is probable
that the building commltteo will be era
powered to make a contract with the low
est responsible bidder for the work, which
Is to begin November 18.
At the meeting of the subscription com
mlttee Tuesday night twenty-two directors
wero prceeat. A plan was outlined con
templatlng 200 possible subscribers whose
subscriptions are expected to aggregate
$10,000.
The supervising architect Is now at work
upon the details of the building and will
be ready to shbtnlt the working plans for
the lower floor by the tlmo the board of
directors is ready to let contracts for that
work.
What' Your Face Worth f
bometimes a fortune, but never If you
have a fallow complexion, a Jaundiced look
molh patches and blotches on the skin
all signs ot liver trouble. Hut Dr. Klng'a
New Life. Pills give clear skin, rosy checks
rich complexion. Only 25 cents a( Kubn
'recautlonnry and Snfctj- Apnllnncea
Inatalled for (SorcrnlnK the Move
ment of Train Wherever
There Are TefoKrnph Ofllve.
The Union raclfic has Just completed Ha
Interlocking switch and signal system and
tho block signal system, tho most perfect
precautionary and safety appliances known
to railroading.
That portion of tho Interlocking switch
and signal system between the Union sta
tion nnd tho Sixteenth street viaduct known
as the west cod .was put In operation at
noon yesterday. Tho part between tho Union
tation and tho Missouri river brldgo, tho
east end, wltl ho operated November 1. On
tho samo day the block signal system, which
oxtonds from Council IllufTs to flllmoro, and
Is entirely separate (rpm tho other system,
will be put in service.
At the samo time a now signal appliance
will bo placed In service at each station be
tween Council Bin IT r and Ogden whero there
Is an operator. This qppllanco Is known as
tho station train order signal. It consists
t two arms placed high above thn station.
One arm controls the westbound trains and
the other the costound. When an arm Is
up the train which It controls must stop;
when down It passes the station without
topping.
Superintendent Baxter Inspected tho two
systems in tho Omaha ya,rds yesterday and
at the same time held n school of Instruc
tion for engine and trainmen. Tho signals
aro qulto compilcated, but tho Instructions
Issued to tho men nro Illustrated by colored
prints, so that it is lmpossiblo to mlaluko
one signal for another.
Tho Interlocking nwitch and signal sys
tem is operated from two towers, ono Just
west of tho Missouri -river brldgo nnd tho
other at Fifteenth street. Ono towormun
Ib in charge during tho day nnd another
at night. Tho towormcn control every
switch In tho passenger yards and
engineers nro not to mnko a movo
without first getting tho proper signal.
Tho switches themselves nro turned by
electric power, which Is generated In tho
basement of tho tower, whero nn electri
cian Is on duty nt nil times. During. tho
day tho signals, which stand upon high
posts, aro not lighted nnd nt night elec
tricity furnishes tho Illumination. Asldo
from tho manipulation of tho lovers In tho
towers tho system is entirely automatic
and Interlocking, requiring tin attention
furthor than to keep tho mechanism In ro
pair. With tho Inauguration 'of thn new sys
tems an Important chnngo is to ho mado In
tho slgnnl colors. Whlc, which has al
ways been tho safety color, will bo re.
placod by green. This applies to overy
slgnnl on the eritlro 'system lotwccn Coun
cil niuffs nnd Ogden.
Tot Cnue KlKht Alarm.
"Ono night my brother's baby was taken
with croup," wiitcs Mrs. J. C. Snider of
Crittenden, Ky "It seemed It would
stranglorbeforo we could gol a doctor, so wo
gave It Dr. King's Now I)lcovory, which
gavo quick relief nnd permanently curod
it. Wo always keop It 1. tho houso to
protect our children from cr.mp and whoop
ing cough. It curod mo 'of a chronic bron
chial troublo that no othor remedy would
relieve." Infallible for coughs, colds,
throat and lung troubles, 50c and $1,00.
Trial bottles free nt Kuhn & Co.'x.
x y-
) T" JfrTrl' Where theresAyors.
mr jhereisMope''
Where there s
life there s hope
Never give up.i Even if you have been trying a
Sarsaparilla and have not improved. It's not the
slightest reason why Ayer s will not cure you.
"Ayer's " is not like any other Sarsaparilla.
Doctors know this. They have our formula.
That's why they always recommend "Ayer's "
in preference to every other kind. Its the
oldest, safest, strongest, best.
Your lisaparilla has done me a great deal of good, purifying my blood nnd
String me strength and a general Invigoratlon of tho whole hotly. ,1 know It Is
e best blood-cleanser, and it has done me a wonderful sight of good,"
ueo. w. koose, jdferson, Ohio,
J. C, AYRR CO,, LoweU, Man.
J