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About Omaha daily bee. (Omaha [Neb.]) 187?-1922 | View Entire Issue (Feb. 16, 1902)
FOR INSURING GOOD F11TH X!btOmptaiti lint Mick Profl.in Bui tu ii Uiitsd lutss. GUARANTEE FIDELITY OF EMPLOYES Growth of Idea Haa Beea Remarkable Darin Vrvr Years and Haa Prorea Vastly Lucrative to Cap ital Enlisted. TITEOr A II A DAILY BEEi SUNDAY, FEBRUARY 10, 1002. 15 thirlng the last half dozen years the bus iness of Issuing fidelity and guarantee in surance in the United BUtea baa grown to Immense and extremely lucrative propor tions. The first company organized in America for the purpose of furnishing guarantee or fidelity bonds was chartered in Canada in 1S57, and until 1876 bad the entire field to Itself, only having competition with private Individuals, a few of whom locally went Into the business of supply bonds for a con (deration. This company operated not only in Canada, but in the United States, without organized competition, until 1876, when the second company of tta kind was rganlzed. These companies met with un alloyed success and la 1884 the third com anr entered the Held. For six years these three companies divided the business, the fourth oompany being organized In 1890. In 18M this form of Investment attracted the attention of capitalists and four com panies were organized, eight now being in operation in this country. The particular business of the first com pany was that of Issuing bonds to indemnify employers for the dishonest acts of em ployes, and the older companies still adhere strictly to this line. The newer companies, finding this field fairly well filled, Intro duced Innovations, until now one can secure A bond for almost any purpose. In an earlier day in this country the professional bondsman in a court of justice was looked upon with disapproval by the legal profes sion and officers of the law, but today the gent of a bonding company has come to be a recognized factor In the courts, especially In the matter of appeal bonds in civil ac tions. States have come to realize the ad vantages offered by bonding companies and today many state treasurers and other fiduciary officers would have difficulty in securing the approval of "personal" bonds. Extremely Profitable Business. 'While the bond company offers great ad vantages to the users of this form of se curity, it also offers an excellent oppor tunity for the investment of capital. There Is a chart published by an insurance publi cation giving the cost and profits of the several companies taken from the annual reports which they are required to make In some states. According to these reports the average percentage of loss to ' the mount received from policies written is bout 27 per cent, while 67 per cent is con sumed by the expenses of management, leaving a net profit of ( per cent upon the premiums received. The treat volume of business of the bond ing companies is still In the line of fidelity bonds for employes. Three methods of paying for these bonds exist. In about 60 per cent of the cases the expense Is borne by the employers; in about 30 per cent the employe pays for the policy, while in about 10 per cent the cost Is divided between the parties. Many of the large corporations of the country doing an interstate business have xnade arrangements with certain bond com panies by which their employes are to bs bonded in one company at a stated rate. This Is especially true of the express, rail road and. large publishing houses. Other companies employing large numbers of people In positions of trust insist upon their emoloyes coming' to them In a con dition U give a bond Instantly. It is said that some of the packing house companies t South Omaha will consider no applica tion for s position unless accompanied by evidence that a reliable company will bond the applicant - In the amount required. These bonds are paid for by the individual Who Is bonded. How to Get a Bond. When a person makes application for fidelity bond he is given a preliminary blank to fill out, setting out the name of the applicant, the position he Is to hold nd the amount of the bond. He is re quired to give his age exactly, place of birth, residence, whether married or single, the amount and nature of his property. " One of the questions to be answered is poser to the average man, and that is: "How have you been previously employed or engaged since leaving school?" The applicant Is required to enter Into the most minute particulars, giving a full account of his occupied and unoccupied time. Then follows a list of questions tending to bring out every tact and Incident In the life of the applicant A blank space on the back of the application is to be used by the employer in recommending the employe for bond. In the application the employe binds himself to protect the guarantee company against any amount they may save to pay on the bond, and in case of his false arrest on charge of any alleged malfeasance he limits the amount of his damages to $50. "This is the form we use In ordinary eases," said an agent of one of the com I ccn Co gii p;:y o v.n vcm "I feel it my duty to tell yo what Wcmr medicines did for me." writes Mrs. Ullanche Marshall, of Whiting, Jackson Co., Kansas, Box 139. "I was severely afflicted with kidney trouble and female weakness. In less than three months .the trouble became so bad I could hardly walk around the bouse. I suffered almost everything. Seeing your advertisement in our paper concluded to write Dr. Pierce. After receiving your kind ad vice I Immediately began taking your rtnedicine. After taking two bottles of I Favorite Prescription alternately with !wo of ' Golden Medical Discovery,' and (using one box of ' Lotion Tablets ' I am Vrntircly cured. I can do all my own work without any trouble. (I take great ?leasure in Ing Doctor Pierce's med .Ibnes to all suffering women," 4 . 4 Independence in Agriculture Secretary James Wilion In the Independent. Tho possibilities for diversity In agricul ture in the United State are such that I believe I am safe in saying that our coun try is In a position to become entirely In dependent of sny other nation from an agri cultural point of view. There la good ground for making the prediction that de velopments in the near future will show the soil of the United States to be sdapted to the growth of practically every agri cultural product which Americans are now compelled to purchase abroad. Take, for instance. Egyptian cotton. The department's work with this commodity has recently produced very encouraging results, and It is believed that it can successfully be grown in this country. This cotton Is of the finest fibre end grade, which we bavs been importing In bulk for many years. But a early as 1892 the Department imported and distributed seed of some of the choice Egyptian sorts, although, owing to the lack of money, the work of cultivation was sbandoned. Recently, however, consider able seed has been imported and the out look for this particular grade of cotton is encouraging. The United States pays out millions ot dollars annually for tropical products which we ought to grow and which we can grow without interfering in any way with well established Industries. Coffee, rubber, bananas, cacao and many other tropical crops not hitherto grown by us can be pro duced, snd attention has been turned to the best method of succeeding with the crops. Tha Improvements In the coffee industry in Porto Rico furnish an example of what can be accomplished toward making us Independent of the tropical countries from an agricultural consuming point of view. Among the agricultural imports of the United States coffee is second only to sugar, our annual Importations averaging $70,000,000, and only a small fraction of 1 percent, of this quantity comes from our tropical islands. The most Important in dustry In Porto Rico Is the raising of cof fee for European markets. Hence it has received the early sttentlon of the officials of this department in their investigations of tropical agriculture. The use of shade upon the plantations in the island and the raising of seedlings in nurseries and other practical Improvements of culture would double or treble Porto Rico's production of coffee, and with an Increase of acreage in view, the island could be mads to produce more than half of the coffee consumed In the United States. The production of several kinds of tea In the United States la now assured, and In addition to this It Is encouraging to note that experts who havs examined the tea produced here pronounce it equal In flavor and aroma to the best Imported leaves. The profit In the crop raised last year aver ages from 630 to H0 an acre. During the last year large tea gardens have been con ducted near Summerville, 8: C, where the soil sppears to be especially adapted to Its growth. In 1900 about 4,600 pounds of high grade tea was produced, snd a ready market was found for all of It. A machine for the manufacture of green tea was produced and placed in operation In Summerville. Capital la always timid of. Investments in new enterprises of this kind, and there is still much to be done to demonstrate the possibilities of the work In other parts of the south. The labor problem is an im portant one, but Dr. Charles U. Shepard, wha has bad the tea raising Industry In hand. Is training a few young men In the technique of the work. I have recently called attention to the fact' that the introduction of Japanese lice resulted In an increased production amounting to $1,000,000 ot this commodity in Louisiana, and furthermore that the im petus given to the work In that state and Texas led to the Investment of not less than $20,000,000 in the Industry. In 1900 about 8,000,000 pounds more rice was pro duced than in 1899, and during last year not less than 65,000,000 pounds was pro duced more than In the preceding year. With the rapid increase of our own pro duction, the Importation of rice from for eign countries is falling off, as shown by the fact that in three years the imports have decreased from 154,000,000 pounds to 73,000,000 pounds. This country Imports over 16,000,000 pounds, or nearly $800,000 worth, of maca roni every year. This product is made from a special class of wheats which until recently never had been given a thorough trial in this country. The department re cently secured a quantity ot the wheats and it has been found that they grow in a wide extent ot territory in the west and northwest. During the last two years they yielded one-tnlrd to one-nair more per acre than any other wheats grown side by side with them, snd in 1900, when other wheats were almost a complete failure in the Dakotas, the macaroni varieties pti duced a very good yield and the grain was of sn excellent quality. They have also been successfully grown in Kansas and Ne bra ska. I think the time not far distant when we will be raising all our macaroni wheats. Although ths hop has been grown in this country for great many years. It has a! ways been considered inferior as compared with ths best European hops, and as it brings a lower price in the market and Is not as desirable as the Bavarian hops, cut tings of tha best of the latter were 1m ported last year. These cuttings have been placed In the hop-growing districts of ths United States and promise to be far supe rior to the ordinary varieties grown. In addition to maturing earlier than usual. American barleys are also Inferior to the Bavarian barleys. The ordinary varieties grown In America are what are called six rowed snd four-rowed kinds. The two rowed ktrds ot Europe are superior for many uses. The department Imported dur ing the last year for experimental purposes a quantity of the very best Bavarian bar leys, and they -are now blng tried in this country. It 1 hoped by the department that by growing this Improved barley the importation of large quantities of the pro duct will cease. Another Importation which probably will in time prove of great value to the south western part of ths country la that of date palms obtained in Africa. A number ot years ago a limited importation ot these palms was made from Egypt, and while most ot them were lost through adverse climate, the shipment helped to show the possibilities ot date growing In Arizona and southern California. The date palm la of especial value In the hot southwestern country, since It thrives and bears fruit best where the summers are long and hot, as In the two states mentioned. These are merely a few of the products which offer opportunities to the American farmer, and which in my opinion would find an extensive home market, rendering us, as I have said, independent of foreign fields. Books, Old and New They make books nowadays almost as easily as they sell them. The type Is set by machine and the book Itself Is fabri cated by machinery. So far as prices are concerned there Is not a great deal of difference between the market value of a popular book manufac tured by machinery, and in some cases written in the same way, and the books which we used to have which were made wholly by hand. There Is a difference, of course, but it Is not sn Important one. In the old days a book might havs a first edition of 1,000 copies. If the author were particularly celebrated the first printing might reach 6,000 copies. We now have first editions of 60,000 and 100,000 copies. It used to be possible to open a stand ard book sold at a standard pries with out breaking Its back or disturbing the neighborhood with an explosive sound like that ot a firecracker or a torpedo. Books that were bound by hand retained their shape after reading. Some sections did not fall out In one's hand, nor did they project beyond the edge of the covers at the top or the bottom. It illustrations had been inserted they held their places and fulfilled the purpose of embellishment. The old-fashioned book had a . rounded back which retained Its shape, no matter how severe the use to which It was sub jected. It stood up straight upon ths shelf of a library or a bookcase. If left care lessly upon a table It was flat and square and even. There were no overhanging brows of covers and leaves to glvs It an Italicized appearance. One of these volumes could be opened vigorously, even roughly, at any place and It would close again so squarely that if it weer the desire of the reader to find that particular passage again he would be compelled to employ a bookmark. In the days when books of that sort were on the , Chicago Chronicle, market It was a high crime and a felony to turn down the corner of a page. The paper did not break off, as It now does in too many cases, but wherever the crease was put it remained forever, a convinolng proof, of somebody's slovellness and dis like for boows of the right sort. A good old-fashioned book seemed to have been made to fit its covers. It nestled within them snugly. In front and in back and on the sides and all around it looked finished and fashionable, as awell tallored man does. If It rejoiced In deco ration it was of the kind which was really decorative and which savored of the library. - It had no garish colors nor hideous figures to stare one of countenance, as a bright red cravat at a funeral does. It was modest and circumspect and It conformed to all of the conventionalities. This old book showed the handicraft of the printer man, too, as well aa of the binder man.. Its type was set by printers, not by typewriters nor other mechanics. There was some typographical style about It. From the Utle page to the flyleaves at the end there was evidence on every page that Journeymen, not apprentices nor blacksmiths, had been employed upon it Titles and subtitles were in appropriate series of type and did not swear at each other across poorly printed pages. The press work on such a book was as good at least as that of a well printed newspaper. The Impression was clear and firm. The Ink used was Ink. not tar nor shingle stain. It did not rub off upon one's hands, liks the smut of a yellow dally. In register and In imposition the work was perfect. There were few print ers in tne insane asylum in those days. A SttOd Old book wna a. wnrA thlnir have and to hold and to bequeath to pos terity. it was almost as substantial as real estate. It was personal property truly, but it was not perishable. It was to not like a cook stove, a refrigerator or a toothbrush, which, once used , becomes valueless. The more It was used by a person who knew how to appreciate a good book the more interesting it became, and, if it had to be sold, It brought something like its original price. Such a book as that can be held In one's hands and pressed and even caressed with out giving one the Impression that he was holding a packags ot envelopes or a dog biscuit. It wss smooth, firm, solid snd substantial. It did not bulge at the edges nor cave in at middle. It was all book and all genuine. We are now told by s well known firm of book publishers that we do not know how to open a new book. We go at it In the old way, without proper knowledge of the. nature of the thing which we are handling, and, ot course, it breaks and cracks and warps and rolls and spills its contents over the floor. To open a new book, we are Informed, we must rest Its back upon a table or desk, hold' one of Its covers In each hand flat upon the -table with the leaves standing upright, and then we must press the leaves down five or ten at a time at front and rear simultaneously nutil we arrive at the middle of the volume, when we will be de lighted to discover that the binding has been eased and that its back has not ben broken. Anyone who has tried this in teresting experiment will be free to say that some ot the leaves will He down and soms of them will not and that pressure to accomodate them to this position re sults in most cases in the t6tal wreck of a thing which ought to have been a book, but which is not. The average new book lacks a good deal besides a flexible backbone. The publisher who will remedy its obvious defects ought to find fame and fortune. P antes. "We also make bonds for civil service 'employes of the government and for officers of fraternal societies. In these cases we do not require such a long appli cation. This we waive in the case of civil service employes, because they have already passed a rigid examination and It Is not supposed that they would receive an ap pointment unless their previous history was good. In tha latter case the general character ot men elevated to such positions and ths small amount of money which comes Into their hands Is relied upon." Indemnity Readily Paid. This agent was also authority for ths statement that there Is UUls trouble In collecting Indemnity provided for In ths bonds. Hs said that out of about 1.000 defalcations, but four cases havs been re sisted in the courts, and all of them are now pending in ths federal courts at Omaha, two being cases of federal em ployes and two of employes of private cor porations. On ths other hand, private corporations. especially bankers, have made many pro tests against ths form of bond written, asserting that ths form is so intricate and technical as to give many looDholes through which the guarantee companies escape. This condition led the American Bankers association a few years ago to draw a form of indemnity bond which was copyrighted In the name ot the associa tion. While making the usual provisions for ths security ot both parties, K Is so shorn of verbiage as to give courts little opportunity to construe defendants out of court in an action on the bond. Be the reason what It may, but one company la the United States has so far consented to writs ths bankers' form, snd that ono de mands a higher premium than for the reg ular form. The popularity of fidelity Insurance as se curity for bank depositors haa grown to such an extent that some states, notably Missouri, nave enacted legislation requiring fiduciary officers In all stats banks to ba bonded in guarantee companies. Ths bankers of that state approve the law, while bankers in other states ars begin ning to demand tha enactment of similar laws. A bill to this snd will probably bs Introduced In the next session ot the Ne braska legislature. Cast of Isiarsset. The cost ot fidelity Insurance varies from $:.60 to $15 per $1,000. Ths lower rate, strange as it may seem, is demanded from employes snd officers of banks where large volumes of money are constantly handled. The highest rats Is paid by solicitors and collectors who handle funds outslds of ths Influence and Immediate control of their employera. The rate also varies with the form ot the bond, $1 per $1,000 being de manded for the bankers' form, where $2.60 would be demanded for the ordinary form. The bonds issued in ths case ot contract ors or In appeal from court decisions vary in cost and other particulars. Applicants ars generally required to give security in one form or another to the company In an amount equal to the value of the bond and then pay 1 per cent of that value for the bond. The rate for these bonds has re cently Increased from H of 1 per cent.. It being found that ths cost of converting the securities of ths bonded contractor in case of failure being much greater than the rata previously charged. In case of appeal bonds, security must be given in like man ner for the whole amount. It Is impossible to give ths exact amount of bonds in force at this time in the United States, but an estimate of $600,000,000' was said to be not far from wrong by persons In a position to know something of the bus iness. Espionage Is Perpetnal. There is ons phase of the bonding busi ness which Is not understood by the local agents. It Is known generally that the bond companies retain able detectives in every large community and that these detectives keep watch over the actions of the persons bonded, but how soms Information Is gained is surprising to those most familiar with the business. An agent of ons of these companies states that a short time ago he received word that a man bonded in the company had contracted a habit of playing a little draw poker on the side and that hs should ba investigated. The man was cne of the closest friends ot the sgent and ths draw poker Incident was well known to him, the game consisting of "penny ante" well within the private means ot ths player. A little investigation, a word of caution and "penny ante" was abandoned. Another case was where a tew months sgo an agent received word to write to the president of a bank out in the stats that his cashier, bonded In ths company, was showing signs ot mental trouble. The let ter was received by tha president with ths greatest astonishment. He Introduced an assistant cashier in ths bank and this as sistant had Just familiarized himself with the routine of the business when ths cashier was forced to retire, a mental wreck. His accounts wers correct, but what ths president and tha agent desire to know la how ths bond company learned ot a condition which was not apparent to the men who had worked in the bank for years with ths cashier. The effect of fidelity bonds upon ths ac tions ot employes Is so well recognised that soms employers deslrs to gain ths effect without paying ths cost. According to ons sgent, a well known employer of men In responsible positions called at the office one day and said: "Please let ma have fourteen application blanks for bonds on your company." The blanks were produced and the em ployer continued: "I do not know that I will use these. I am going to have them filled out by my clerks and give them to understand that the cost of the bonds will be paid for by me. They need never know that the bonds are not Issued and they will conduct them selves ss though they were bonded." The agent refused to enter the deal and the employer went to another office for his blanks. Generally where defalcation or embez zlement is discovered, the bonded malfeas ant Is given an opportunity to make good his shortage. Where thla is done and ths representatives of the company believe the act was due more to weakness than wilful ness, the man Is permitted to escape pun ishment, but cases have been known where companies have refused to, accept money tendered In order to be In a better position to Insist upon the punishment of the offender. HELIGIOIS. Prof. William O. Williams, Instructor of Greek at the Ohio Wecleyan university, who died February 1, was the oldest teacher in service in tha Methodist church In America. Rev. Dr. Thomas E. Green of Cedar Rapids, la., has b-en chosen aa the orator at the grave of Washington in April by the Bona of the American Revolution, at the society's triennial meeting. It is stated that since the pope favored the French republic donations from the royalists of France to his holiness have fallen off and that now German Catholics are more generous than those of any other country. Tha Baptists of Colorado have renewed their efforts to place the woman's college at Montclalr, near Denver, on a working haals. There Is a fine stone building, nearly completed, with twenty acres ot land, tha whole valued at about $60,000. Benjamin P. Jacobs, who wa the origi nator ot th International uniform lesson series, which was adopted at the Indian apolis convention In 1872, haa Just retired from Sunday school work after a service extending over forty-six years. Rabbi B. Bchaffer of Shearith Israel con- f recalion of Baltimore has received a call rom a congregation in Hosaenol, Russia, but says ha would rather be rabbi of a smaller congregation in this free country than be In a position of Influence In dea potlo Ruaala. Blahop William B. Derrick of New fork, who la over the 9U0 African Methodist churches In Pennsylvania, New York, New Jersey and the New England eta tea, will deliver the nrmon at the 3b3d anniversary of the Hugenot church in Canterbury, England, In July. Rev. C. II. Emerson, a minister on tha Psclno coast for nearly fifty years, died last week. He bore the distinction, for some time, of being the only living mem ber of the original chapter of "D. K. E ," a fraternity he assisted in organizing while a student at Bowdoin college, whex ha graduated. A Presbyterian minister said at a meet ing of the Chicago Presbytery that tha book of discipline of tha church Is "tha worst book ever published," referring ap parently to errors and ambiguities. "That's right." responded a voice from the rear of the room, out when a gray-haired brother aroea to protest a wave of laughter swept through tha assembly and entiod tha Incident. T A Home University some years ago many eminent teachers wers paid a high pries to writs down In plain language all that was known of the branch of learning that each teacher had made his own. Thus the great mathematician was to write down plainly and succinctly the great truths of mathematics. The historian wrote of history, snd the geographer ot the countries of the world. And so with every branch of human knowledge. 1 These great teachers labored for years, and finally completed their task. The result was gathered together In logical order and printed In clean, plain type and Illustrated with beautifully clear engravings as sn asslstanra to the memory and to vivify the text. The whole was strongly and neatly bound and carefully Indexed. Then It was given to that portion ot tha world who could afford to pay a high price tor the wonderful work, which was called ths Encyclopaedia Britannica. It Is a university In Itself, this work, for It neglects no branch of knowled gs In which men are interested. American enterprise has st last brought It within nn rrh ni n Ynn rn have It In vou own home for ten cents a Ths presence of the Enc yclopaedla Britannica makes a University day. The poor young man can cava no better university, of the humblest cottaee. Tou have no salaried teachers to pay. Tou make your own hours of study. You are your own master and rely entirely on yourself. Your best friend Is the neat bookcase containing the Encyclopaedia Britannica. You become a student at the beet of all universities the univer sity at noma. Your teacher Is always at your elbow and requires no food and but IttUe house room. Do you want the facts of history Consult H. Do you want the eternal num. OI mamemaucsT consult It. Do you want mythology? Consult it. Are you Interested In the animal kingdom T Consult It. mechanic an- want to know how to meaaure, saw, drill, hammer Consult It. 1 Science? Art? If you are a or chop. You have In your bookcase all of the most eminent teachers ot the world. When you need them, call them out separately or con- a i respond. Do you want universal knowl edge? Consult your home university, the Encyclopaedia Britan nica. ... . . vYea.m you no not need. All the rich, glowing and Interesting treasures ot knowledge are yours tor the asking. supply J.We ocurea Prt ot the splendid new " eauion ot in is great work, and will it 10 mose who act promptly at Less Than Half Price. Brlnp Yosj This Entire VoL Set ef The New 20th Century Edition. Yon can pay the balance at the rate of only Day WnXYMYW f. ..... YyXAYvtrrw w..,.- &'VMAJtTWl fori 2R 31 RSI 'iWy mi W r iESa volumes 233 irww y Jl weight miM 1 short time 81 Volnraee In AIL an Volsmca fcdlnbarcfc Rdlrlaa. Volumes Americas Aaditlena. 1 Volume Guide to gyatematlo Readlma-s of tho whole wwrk. Fill out and mail this cou pon today for partlcti" lars about our great otter. Pgws What Is Said of It "I will defy any ons to bay B,O0O lames that will bins aa goo a working- library as Is tarnished 111 the ENCYCLOPAE DIA BRITANNICA alone." Kx Preslaent Dwlaht, Tale Univer sity. "If all other books were d treyea. the Bible excepted, the world would lose but little et Its Information." Spur aeoa. The American Newspaper Association, 636 Bee Building, OMAIIA, NEB. Please send ms tree of charge sample pages and full particulars of your Encyclopaedia offer. 1 Name Street- Town. State - Omaha Bee Bureau. IT COXTAINSl 16,609 articles, averaging 1H ,899 articles written and signed by specialists, or 142 per volume. 16.205 pages compiled by special con tributors, forming four-fifths ot the entlrs work. 138 full-pa (te engraved plates, contain ing over 9U0 separate Illustrations. 675 maps and plans. Including 237 col ored maps. Nearly 12,000 Illustrations, 1 map ana plana. exclusive pedal Peaturea of the 5 Tel. mes America Additions. 1. An extension of the original arti cles on the arts and sciences down to the present day. 2. Introduction of new topics either arising from the differentiation of new departments of sciences (as Ecology, Bense-Organs, eta), or from discovery and Invention (as Teala's Oticlllatort Argon, Roentgen Rays, etc.) I. Biographical enlargement to In clude eminent living: persons and the hundreds who have recently won dis tinction. r 4. A partioular survey of American Interests In their various phases. 6. A presentation of technical sub jects In a form comprehensible to or dinary readnrs, as In ths treatment of Electricity. Morphology, etc. I Copious illustrations, over l.00 In number. The Guide to Systematic Heaatmas subdivides ths whole work Into topsrt menta in accordance with the differ, er 1 occupations of all the peeplas (outlining 73 different courses ot read ing) and points out the things you may want to know or ought to know about your business or profession. Furthermore, it makes systematic reading along; any 11ns practical. SWANSON'S 1 i It 99 EVERY DROP GIVES COHFORT. MufefyPure oinecTions TAt 3 TO 5 OftOAS ONCC A OAT mw a Whan you suffering with Rhaumatlsm In any formtakV'5-DRQPS." it does not matter whether you have inflammatory, Muscular or Articular Rheumatism, this remedy if taken as directed will give instant relief and effect an early and permanent cure. It rids the blood, tissues and joints of the uric acid 'and other poisonous matter which causes those intsnse rheumatic pains. This is the only way in which a cure can be effected. ' You who suffer with those tarrlblo shooting pains caused by Neuralgia, should ill! nRARA II ws sj 9 fa? use "d-DKUPS." it removes all the pains with almost lightning rapidity and Neuralgia becomes only a memory of the past For all bodily aches and pains '5-DROPS h ths best thing you can use. It acts like magic in all casea cf sprains, aches or bruises, re moving the nflammation and soreness in a wonderfully short time. For all Liver Troubles and Kidney Diseases use "5-DROPS." Asmao dose of this remedy is more effectual and has more curative power than a barrel of other medicines where these diseases are concerned. It is the most successful medicine ever discovered for the Kidneys, Liver and Blood. Indigestion Or Bloating Of the Stomach is not a very pleasant thing. Many a good meal has been left untouched because of a poor digestion. All this can be easily avoid ed by taking "5-DROPS" occasionally. It overcomes and permanently cures Dyspepsia, Indigestion and Biliousness and helps the stomach and bowels in performing their duties properly. It is the most reliable blood purifier ever discovered and a better medicine for the weak, aged and infirm than anything ele, as it tones up the entire system, strengthening the nerves and muscles. For GQUghS and ColdS, USe "5-DROPS." By taking it at bedtime and in the morning before breakfast it will relieve and cure the most severe cough. It will break up a cold quicker than any other medicine, thereby preventing Bronchitis, Pneumonia, etc which are the result of cold not properly treated with the right remedy. Catarrh and Asthma, those most distressing diseases, can be cured If you use "5-DROPS." Unlike almost any other remedy it is used internally and also inhaled, thus giving a thorough systemic treatment which affords early relief and effectually cures. All that is required to krep in perfect health is to have the disease gfrms removed, the blood purified and the nerves and musrles strengthened to normal condition. That 13 what "d'DROPS" doo9 and that is the reason why it will give immediate relief and cure so many different diseases. It is the one great remedy without a rival. "5-DROPS" CURES RHEUMATISM, NEURALGIA, LaClrlppe, Lumbago, Sciatica. Asthma, Catarrh, Liver and Kidney Troubles, Nervousness, Backache, Dyspepsia, Oout, Indigestion, Croup, Nervous and Neuralgic Headache, Heart Weakness, Paralysis, Creeping Numbness, Sleeplessness and Blood Diseases. A sure cure for Coughs, Colds and Bronchial Troubles. nCMCFIIlCn "S-DROPS" is perfectly harmless and can be taken by llElilblilUElfa a child as weU as an adult. it contains no opiates in any form. No alcohol. No sal icylates to ruin the stomach or any drugs which only deaden the pain and never effect a cure. If "5-DROPS" is not obtainable in your locality order direct from us and we will send it prepaid on receipt of price, 1.00 per bottle. A trial bottle will be mailed free of charge to every reader of this Daner who is a sufferer from anv of the above named diseases. Cut out the coupon and send to ns with your name and address. LARGE SIZE BOTTLE "5-DROP8" (SOO DOSES), SI.OO. AT YOUR DRUGGISTS. ASK YOUR DRUGGIST FOR THE "SWAN SON PILL," A SURE CURE FOR CONSTIPATION, PRICE, 2 So. SVAHSOfl nilEUi.lATIC CURE CO., 160 LAKE ST., CHICAGO. FREE TO ALL. COUPON ifiSipk Ho. 219 Jf"5S&, Cut this oat and nraSH with your niu ad addraas toSwtnton KbsUDMUeCur, C.,Cbtc90nd rou will b wot a botll. at H-USXJx-S" Ins, portpkkL (VSVl Your Fortune Told Free. BY THE ZODIAC. tSEKSL, : We will send you a Horoscope Read ing cf you.- life and a must Interest ing Hook on Astrology, If you send the date of your birth snd a stamp lor return postage. Our readings have trade people happy and full of hope and success. Address MAGAZINE Of MYSTRliu3. n N. William 8t N. Y. Ciqr. Every Voman SfSSiiisinaadaWtSkM aboaj u vouUttd) SUA TIL WhlrUM Bl mnfii CJT. At ftttr. bui wis aiAnis fat 1 lull wnlailu.u 4ir-4loiiil hluUWIidM ISABfal CSV &U0O. tit Tiuttm Bid.. NVT, I "-v Rcl"ve K,d nev Bladder Uoublet at once. Cures In 48 Hours sii URINARY DISCHARGES Each Can. jsr& urn f ufclasi cmn erf Hti. ?AJFiF
