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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
TITEOr A II A DAILY BEEi SUNDAY, FEBRUARY 10, 1002.
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
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
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
(I take great
.Ibnes to all
Independence in Agriculture
Wilion In the
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
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
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
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
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
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
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
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
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
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
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
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
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
"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
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.
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
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
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
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
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.
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
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
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
If you are a
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.
J.We ocurea Prt ot the splendid new
" eauion ot in is great work, and will
it 10 mose who act promptly at
VoL Set ef
Yon can pay the balance
at the rate of only
f. ..... YyXAYvtrrw
w..,.- &'VMAJtTWl fori
2R 31 RSI 'iWy mi W r
iESa volumes 233 irww y Jl
81 Volnraee In AIL
an Volsmca fcdlnbarcfc Rdlrlaa.
Volumes Americas Aaditlena.
1 Volume Guide to gyatematlo
Readlma-s of tho whole wwrk.
lars about our
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
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Omaha Bee Bureau.
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
Nearly 12,000 Illustrations,
1 map ana plana.
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
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
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.
99 EVERY DROP
TAt 3 TO 5 OftOAS
ONCC A OAT
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.
Ho. 219 Jf"5S&,
Cut this oat and nraSH
with your niu ad addraas
C.,Cbtc90nd rou will b
wot a botll. at H-USXJx-S"
Ins, portpkkL (VSVl
Your Fortune Told Free.
BY THE ZODIAC. tSEKSL, :
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ing cf you.- life and a must Interest
ing Hook on Astrology, If you send
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trade people happy and full of hope
and success. Address MAGAZINE Of
MYSTRliu3. n N. William 8t N. Y.
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