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About Omaha daily bee. (Omaha [Neb.]) 187?-1922 | View Entire Issue (Oct. 5, 1902)
TIIE OMAHA DAILT BEE: SUNDAY, OCTOHEH 5, 1002. 10 BLE CP ON CHARITY WORK k rple Fay Twioe r Oftsosr U Aooomplith f&ms Kemlk LtCATION FROM LACK OF METHOD I of Central Orga alnatl-si aw r Kaperleae of Worker 1st Field AI4 to Indlcrat. tli th price ot fuel soaring upward consequent spprehenelon for the winter to 1U wake, the charitably Inclined are .ring to hare theught (or the com ty'a dependent and to the. eatabliah t of some adequate meana of minister to their necessities, ore the disbanding ot the Associated rltlea two yeara ago there baa been no ematlc organized effort In behalf of the sent and needy, and public aympatby these unfortupates baa manifested fc - In the expenditure of ' thousands of rs and Inestimable effort by societies : Individuals that have duplicated each r's work, have been Imposed upon and r alt have missed many ef the moat de vice. U la something ot a abock to well-meaning onea to be told by thoae oae experience make them competent Judge that there la enough money and jrt waated each year la duplicate eflort ne to aupply the neceaaltlea to the really erring for an entire winter. .oide from the ' Institutions maintained the county and city at an annual coat of ny thoueanda of dollara a score of char ble Institutions for varloue kinds ot work kept up by the several denominational, ilanthroplc and other societies at a heavy pense, all of which la met by subscrip ts and donations of Interested Indlvld , ia until ao numerous have become the . prals for their maintenance that they no uger meet with the enthusiastic geeponse ice received, and many ot them have found necessary to send out solicitors, working - i a percentage, to keep up the donations. Cosasnaalty Pays Twlt. . While the efficiency and deservlngneee of eae Inatltutloua are not to be questioned -9 fact remains that they are Uitng the - immunity for aeparate maintenance of sev eral agencfea for accomplishing the same ,,ork. It la frequently asserted that. In way . t charitable effort, the newest thing la the i loet popular thing In Omaha, and that aa f-oon aa the novelty wears oft an organisa tion, no matter how deserving. It la left get along aa beat It can. In a aense his may be true, but the very existence of ' heee many lnstltutlona provea the com-t-.unity's willingness to car tor Ita de i indent and the necessity of centralising nail systematizing the effort tor Ita distribu tion. Probably nothing appeala to public sym pathy like tb little children of the poor, and few Inatltutlona receive the aupport slven those that are -operated Id the in .reat of the little ones. Qroaha at present nupporta three organisations for the care of these little ones, each at a heavy expense iil dcisj' touch good, and eh. wiMnt that Ita usefulness might be doubled If the necessary funds were but available, while, mtll a few weeka ago. there was no place a the county, aalde from the poor farm, where aged men, aa helpless and dependent a a the children, could be cared for. Several yeara ago the riebraaka Chll dren'a Home Finding society waa organised for the Work of taking destitute children or those without proper guardianship and find ing aultable bomea for them. The work embraced the efforts ot the moat prominent Christian men and. women ot the atate. and waa conducted according to the methods of the national organization ot.lts name, of which President McKlnley waa ona ot the most xealoua workers. A few years later the Child Saving Institute waa eatabllehed, . Ita main work being the earn aa that of the Home Finding eoclety. In connection with it were several other branchea to pro mnt child savins- work which thrived for a time, but eventually It work came to bt chiefly a duplication of that of the other organization, not only In the city but all over the atate, each asking support of the same people for a work that might be Just as, effectually carried on under one man agement. In addition to theae, the Creche Is maintained at a considerable expense, and while Ita work la that of a day nursery and it Is partially seir-supporting, It la. In many rltlea successfully combined with the child saving work and supported by one Institu tion. Home for 014 Mew. -Omaha haa atlll another organization whose artlclea of Incorporation provide for the care of destitute children. Thla la the Woman'a Chrkttlan association, and until within the preaent year It haa cared tor a number, but recently thla work haa been left to the other organizations tor that purpose and all Ita effort concentrated upon the Old Ladles' home, which baa recently been arranged to care tor old men aa well, and. Ita name changed to the Old People's home. .Thla same duplication kt true In the raecue bomea of the city, there being at present three separately maintained In atltutlona doing the same work under dif ferent managements the Salvation Army borne, Bancroft home and the North Thir tieth 8tret home. .And then there la the aame effort ex panded by the varloue missions and eburrhes of the city, the Salvation army, the Volunteers and the maay lodge that at Christmas. Thanksgiving and on other bolidaya distribute supplies among the poor. Their intentions are of the brat, to . b aure. but with no reliable meana ot as certaining the really deserving caaea, much f their charity la misplaced. Realizing the neceaalty ot centralizing Apoplexy caused more deaths in New york City in 1901 than were occasioned bv Smallpox, Typhoid Fever, Malarial Fever, and Scarlet Fever combined. The Mutual Life Insurance Company of New York will not insure those who have apoplectic symptoms. This . suggests the advisability of in suring your life while in good health. TK AuttITwt Mutual Uturssx Cmmfj mi N Vtrk KCJ f ft ay tli itUUfaUMs) $35 2,000000 li ku sai Policy -) ewe $560,000,000 kick is awn than r whet life insurance eueaaaaf la lite tM kt 4bun4. A yming ana, mi mien a, saaals arrisi " WrUs Imt "WW, fk.l I mmmln Thi Mutual Life Insuranci Company of New York . A. McCvasv, Pimiamb rXEMIWO BROS., atnaaaera. rt Malaaa, la- Onaaka, Reh. V. A. Caatla i. Kohn. W. B Olio, Jr mjphTrk. k. W. J. Trtck, atlas B. t-Ky- ..uavaiHHwu aaviica. such effort, varloua organizations have been effected, their promoters and chief supporters In nearly every case having been the same men and women. Out of the old City mleMo at Tenth and Capitol avenue, founded twenty-seven yeara ago. haa grown the most of thla work, -which la l!t became the Associated Cbarltlea, and during the eight successful yeara of Ita existence, food, clothing, transportation and like assistance was rendered the city's poor to the extent of about $40,000. With John Laughland aa general secretary the city waa divided Into district under' the supervision of varloua persona, by which system accurate account was kept of all applicants for assistance. Working In co operation with the county, most satisfac tory results were accomplished with great saving of time and expenae to all con cerned. Eaa ef Associated Charities. With the organization of the many other Institutions for tbe support of which the public haa been called upon, much of the aupport waa withdrawn from the Associated Cbarltlea. especially after the ex atence of the "Kaeh K" fund, an anonymous annual rubscriptton of $1,000 became known, peo ple depending upon thla to carry tbe work, and Anally two yean ago the association suspended Its operation. Since th n an In formal organization, known aa the City Cbarltlea, supported largely by influence of Dean Pair.- haa aerved aa a collecting and distributing agency of food, clothing and the like. In speaking of his experience in the work of the Associated Charttlei, Mr. Laughlmd said: "Of all tbe agencies that operate against tbe efficiency of organized effort, that of Individual assistance In supposedly deserving cases la greatest. In aplte of all the warning that ran be given, kind-hearted Individuals will dtepenne their assist ance aa they choose wtthout proper Inves tigation, and will, of course, be lmp-d upon. The harm done Is not so much In their loss, but In tbe encouragement their method gives to the shiftless who will im pose upon people rather than work. It la thla aort of so-called charity that supports the tramps of the country. It Is a well known fact among the experienced and or ganized charitable workera that the great majority of the houae-to-houae beggars of money and food are professionals, who not. only live themselves by this meana, but co-operate with scores of other Importers In a systematic meana of living without work They employ a regular method of spotting and marking tbe house where pea- pie are -eaay.' where the 'Juat out of the hospital' or tbe 'rellgtona dodge' and the general hard, luck atory will win from In experienced women tbe money or food. Children aa Professionals. "Another and the greatest of all mistaken Is that of giving to the children who ap ply tor food, clothing and money, for they are but th tools of their dishonest elders, and In giving to them one not only aids tneir undeserving parenta, but helps to make paupers of the children aa well. It waa estimated at th recent conference of Charities and Correction that 90 per cent of tbe children beggar formed habits of dishonesty and shlftlesanesa. od eventu ally became paupers themselves. Th manner In which children of all ages assist In Imposing upon the charitable public la abowa la the following Incident which occurred la Omaha aeveral yeara ago: General W. W. Lowe, who reaided at that time at Sixteenth and Harney atreeta. noticed each morning, regularly at o'clock, a wagon containing aeveral children, drive up and hitch In the alley between Howard and Harney, juat off Sixteenth atreet. Im mediately the children would scatter, each with a baaket, but always to return by 11 o'clock with baskets filled with pro vtslona, when the wagon would load up and drlv away. After watching tbl per formance for several weeka, General Lowe decided to Investlagte It. Accordingly, the wagon waa followed to Ita destination in th vicinity of Tenth and Marey street. It developed that the horse, wagon and children ail belonged to the prosperoua proprietor of on of the beat patronised eating houaea for tbe depot and railroad employee and that he compelled th chil dren to beg for the greater part of the provisions for which hla patrona paid hint well. "There are even now aeveral famlllea who keep their children out of school, even In th moat severe weather, to beg for clothing. In fact, th mora bitter the day the more active are th children, their pitiful atorlea, together with their scanty apparel, rarely falling to obtain th de sired clothing, which they take homo to their parenta, who ar aecond-hand cloth ing dealers. Work the Real Teat. "Of all the meana that hav been employed for testing th men who apply for aid, th woodyard I th beat. If a man la really In need and willing to work he may chop or saw wood, for which he Is paid, and he la privileged to cut aa much of It aa h ltkaa. Thla la not only a test of th man's willingness, but a aourc of income as well, for there la always ready sal tor tbe wood. "Th ability to Judge these cases cornea only from experience. An amualng thing happened the late Henry M. James, at that time superintendent of the city scboola, who waa one ot th willing help ers In th work of alleviating the suffer ings ef the needy and preferred th evidence of hla owa eye to th red tap of the reg ular Investigation, when ha bad assist ance to give. A case brought to hla at tention waa that of a family in tbe north part of town, whose destitute condition mad Immediate help necessary. He vis ited them personally and after bearing their atory and being convinced that they were deserving, drew an order upon the Aaaoclated Charities tor food, fuel and clothing to the amount of about $12. He. waa well pleased with the dlspatob with which he had served the case. Not long afterward another case cam from thla family and Mr. Jamea being unable to attend to it, an experienced member of th lnveatigstlng committee went to tbe house and aoon recognised th applicants aa Impostors. During th winter thla aame family moved to varloua parts of the city and front each location, under a different name, applied t Mr. James tor help, which they received, ia two instances by sending different members ot tbe family to preaent their eaae. It waa subsequently learned that they had. upon hla recommendation, worked every aid-giving organization of the city for food, clothing and fuel, which they had sold. Thla family nearly made a akep Ue of Mr. Jamea." Vlalttac Kara Aeaorlattsm. Ot th charities of th rlty there la none that receives th general commenda tion Of all th experienced workers aa doea the Visiting Nurses' association. Working unoatentatioualy. It la a distinct branch of charitable effort, extending valuable as sistance to th deserving and aavlng th city and county hundreds ef dollars by Its Judicious distribution of aaslstancs and averting contagion by Ita watchfulness and skilled car among th sick poor. Within th past month aa attempt haa bee a mad by th ministers ot th city to revive aa Interest la aa ergaalaed central charity and It haa been proposed that it be carried en under th supervision of th recently reorganized City Mlaatoa associa tion. While ao definite arrangement has aa yet been effected It ta probable that th Mission association will have a large share la this work this winter, which promlaea wall for th work, for It la at present mors closely la touch with the dependent mem bers of the community taaa aar ether er-gaalsaUcau aUK WRFfKlAT AVIKlf VIT n.Ul II iVlAUlJU flJU JflLf IAm . , DutiM hid Ferpltx.tiaa ot the Man Who afaia;et IoWent Baikt. . SOLEMN NOTES ON FINANCIAL FUNERAL Operatloaa of tbe Doctor aaa the Is dertaker Who Cans) nm the Trail ef Naanleoaa of Plsssrs Sosrees ef Dtsaater. Hon. Charles G. Dawea, former comp troller of the currency, wrltea to the Phil adelphia Saturday Evening Post, aa fol lows: National banks In the United States are managed, aa a rule, with marked ability, conservatism and integrity, and Insolvent national banks are the rare exception. Again it ahould be remembered that only the most picturesque incidents in connec tion with tbla peculiar phase ot bank man agement have sufficient novelty to make them tntertaining to readers outside the ranks of those who study this problem from a professional viewpoint. With these points in mind a glimpse at thla page ot banking history may be bad without un consciously gaining the tale Impression that "bank wrecking" la a common prac tice, end that banking la anything less than the moot cautloua y conducted buei new of the country. Aud in attempting to point cut the weak spots in general bank ing methods, with suggestions of safe guards which would tend to diminish the number ot national banka forced Into In solvency, the point that I have Juat em phasized should not be lost sight of or forced Into the background. In attempting to realize the nature and extent of the task which confronts a comptroller In managelng the affairs of all the national banka of the country which are In procesa of liquidation ovtng to In solvency, It Is necessary to recall the rela tion ot tbe bank to the public which It serve. It Is. ao to apeak, tbe financial switch board ot the entire business community. All the lire commercial wires center at the bank. There la aearcely a monetary transaction of any moment In any com munity which doea not In aome manner record Itself at the bank and generally toe attitude of the bank toward any enterprise of importance la vital. Thla Implies that aa the manager of the Insolvent national banka of tbe country the comptroller of the currency flnda himself charged with the direct control of a great variety of enterprises which are among the assets of the liquidating bank. Thus, at the aame time, the comptroller become at once the responsible manager of scores of farma, atorea, factor lea and other examples of the more common forms of Investment. In ad dition to this he Is never without a choice Hat of noveltlea In hla collection of bank assets. Our comptroller, for example, en quired. In hla capacity aa custodian of bank assets, a small herd of buffaloes, and In discharge of hla dutlea was obliged thor oughly to post himself on the demand for buffaloes on the hoof. However, he man aged thla peculiar enterprise well and made tbe moat of bis shaggy herd. A Wholesale Bnslaeas Missger. There Is seldom a time when the comp troller has not under his management aev eral mines of various kinds; properties which must be handled with good Judgment In order to avoid great aacrlflce. Fre quently thla official has an opportunity to demonstrate his ability aa a railroad man ager, tor In one or another part of tbe country some Insolvent bank la almost sure to count a atreet railroad among Ita aaaets. Occasionally a larger intramural road of first-class Importance, with all Its compli cated traffic and legal problems, gets Into thla class, and the task of making it "pay out" without heavy shrinkage Is a serious undertaking of no amall magnitude. Of thla claas the Chicago-Calumet Electric road. In which over $1,600,000 of the money of de positors In the defunct National Bank of Illinois la Invested, Is th most Important example. To all practical purposea th comptroller ef th currency find himself In the position of the private capitalist who baa acattered hla Investments In a wide variety of enter prises. His lleutenanta ar the receiver who are appointed directly to administer the affairs of each Insolvent bank, and to these mea are left the details ot making the most of the aaaets In their charge. But the comptroller muat keep a vigilant eye upon all thoae diverse properties and know that his policy regarding each la being faithfully carried out Naturally many Insolvent banka have one asset of major Importance, upon the man agement of which largely depends the suc cess of the liquidation. In one tnatanc thla la a street railway. In another a mine, a ranch, a manufactory, a plantation, a theater, a newspaper or an electric and gas plant. In the history of the comptroller ship hundreds of mines and aeveral brew eries have been admlnlatered. Inevitably many curious and Interesting situations arise In the management of ao diverse a collection of properties. Among th main aaaeta of th Chestnut Street Na tional bank which became Insolvent were Famous Freaks of Memory To possess an excellent memory proves sometime as goodly an heritage as a for tune. The one may be lost in spite of care, while the other. If properly regarded, will continue to aid and abet a man throughout hla exlatence. The feaaibleneaa of eultl- vatiog a good memory, if merely aa an act waa pursued throughout childhood and of policy, ia well exemplified by aeveral youth. The kaiser's memory In Germany la notable mea who have lived la the public held in reverential awe. To a few, bow- gsse. ever, it Is known that he aometimea pulls King Edward VII would. If approached through trying ordeals by leaalng atrongly on tha subject, doubtless lay a good portion on hla reputation, of hla popularity with the luaaaea at the door of hie wonderful memory. Hardly la Recently at a large official dinner glvea It believed thai another could be found to la Berlin by the medical staff, It waa favor match It la the preaent day. The king ably remarked that the kateer apoke with never forgata a face, nor a name, and both all tboae preaent on the particular branchea he assoclatea In his mind with some con necting place or incident. Whoever ia pre sented to him, no matter how great or how bumble a personage, or under what crowded, changing surroundings, be haa It la his power to recall years afterward and to relate the clrcumatances attending the preaentatloa. Msnv of bla subjects have amualng stories to tell ot their surprlae. amounting almost to terror, at ttm mhea, aa prince of Wales, he would sud denly turn amid aome tumultuous throng and call one of a number by name. Not to feel flattered at auch a mark of favor would be mora than hum, and aa aurely aa tha deed waa don th king added to hla following. ' One when paaaing Incognito through Rom under the name of Mr. 8mlth and alttlng In a restaurant oa- the Corao the king waa heartily slapped on the back by a waiter who at tha same time gave vent t th remark: "Bless me, man; you're th only soul that's put foot I this plac trained and unerring memory. Is unhappily who remembers me. bet' at Oatend." more feared than' loved by hla men, and But thla Is not altogether aa Incoherent partly on thla account. Pellnquenta eape tralt with the king. The Implanting of daily when awaiting bla Justice ar pain memory waa a hobby. If oa may o apeak, fully aware that the details ot every other of th late Quee Victoria. Ia his boyhood trlp-up In their career ar aa freab I his th kng waa mad to repeat to hla tutor memory as the day they occurred. It la vary aight before going t bed th name aald of hits that he knows not how t for I th pecpl a bad aai durbag the day, gel ,h rltlea of the rhlladolphla Record. m Ita polltlca thla Journal was opposed to the national administration of which the comptroller waa an appointee. There waa, of course, no tampering with the politics of tne Journal, although. In one sense of the term. It was, through the recefver of , tbe national bank. Indirectly under the man- agement of the administration. Ita policy ! wsa consistently maintained and It editors, reporters and other employee were aa little disturbed aa If the Journal bad not come under the receiver's Influence. Aa a conse quence. It earned as high aa $2$0,000 a year and finally aold for about $2,800,000. But at Intervals through the period of the receivership it faithfully criticised the ad ministration. Tbe credit for this splendid financial outcome Is principally due to George H. F.arle and Richard T. Cook of Philadelphia. A Capitalist's Flme of Uoaer. One ot tbe most pleasant experlenaes ta connection with tny administration of th office of the comptroller of tbe currency that I now recall la an eplaode which la well calculated to Increase confidence la the Integrity of human nature. A capitalist whose name Is widely known In railway circles met me In Chicago to discuss the affaire of a certain national bank. He aald: "Ton have Just been appointed comp troller of the currency, and the course of action which you propose to purau in relation to tbla bank will largely de termine my own action. I waa elected a director without my own knowledge In the bank which, though not closed, la In solvent, and have continued In that official position under protect. My holdings of atock amount to $1,000, and double that amount, of rourae. Is the limit of my liability under the law. But the fact re mains that I did allow my name to be used aa that of director of the bank and this may have Influenced aome persons to be come depositors. Because of that possi bility I have determined to step In and save the depositors and other credltora from loss, provided the other shareholders, with out expenae to them, will consent to ar rangements necessary to an equable execu tion of this plan." And now, with thla ex planation of the situation, I desire to learn what la your official view of the matter." Though I knew thla man to be of large fortune, he was not classed among the multl-mllllonatres, and tbe plan which he proposed involved the Immediate use of a very large amount of ready money not far from $500,000. Before he was through with the project, aa I recall It, he voluntarily took upon himself the actual losses of others to the extent of nearly $1,000,004, and all because hla fine sense of personal honor would not let him aee depositors suffer loss by the failure of an Institution with which, even without bla knowledge, at first, hla name had been associated. The gentleman who did thla haa not expected, asked for or received public credit for his action, and aome yeara have now passed aince theae occurrences. He Is a modest man and no doubt haa found his full reward in the con sclousnees of duty well done. But I hope he may read thla and know that in the annals of the comptroller's office there has been no more conspicuous instance of fidel ity to a aeml-publlc trust, and that among the few of us who know how he had oiio tarlly taken upon himself the loaaea of hun dreds of people of alender meana he stands and shall always stand as one of nature'a true noblemen. There are many specific causes besldea the general one of financial panic that are prolific of disaster to banking enterprises. Foremost among these must be placed that of unaafe loans to officers, directors and employes of the bank making the loans. As the most useful thing that could be said on the subject of bank wrecking would be the statement of aome rule to prevent It, a word on thla point Is not Inappropriate. Beginning with Mr. Lacey, in 1891. every comptroller of the currency has made aome recommendation for the passage of a law restricting the making of loana by a bank to Its own directors or officials. The prob lem la to devise auch restrictions for the safety of the depositors aa will dlacourage Improper loana to directors and officers while not injuring tbe depositors by dis couraging to too grest an extent tbe as sumption of bank directorship by the ac tive and responsible members of the busi ness community. My own recommendation waa, in substance, that It ahould be made Illegal for an officer or director of a bank to borrow from It without the written approval of at least two other directors. Cp to the year 1900 there were S70 failures of national banka and of these alxty-two were clearly due to excessive accommoda tions to officers and directors. At that time tbe comptroller made an investigation which showed that of the 28,709 directors ot na tional bank In thla country 18,634 were, directly or Indirectly, indebted to the bank under their control. These borrowing di rectors and 2,279 officers and employes (not directors) owed their banks $202,287,441. Thla aum was 22.55 per cent of tbe capital stock of all the national banka doing busi ness In the country at the time. It Is not to be Inferred that all these loans were necessarily an abuse ot privilege. On the contrary, many of them were among the aafeat loana of the banka la question. In fact, one of the cltlea In the country wherein 90 per cent ot tbe capital of Ita national the clrcumatances under which he had met them, and made also to repeat, as nearly verbatim a possible, tha conversa tions In which be had taken a part. With hla nephew, the emperor of Ger many, the aame training In thla respect of medicine In which they were respect ively interested. With each man he dis cussed his writing and pet theories, dwell ing always on the point that marked him from hla brothers. To do such a thing It waa thought required not only an Immense amount of serioua reading oa th subject of medicine, but a moat extraordinary mem- ory. It waa rather denouement, there fore, when young physician, not willing to have hla thunder stolen, gave the fact out rather broadly that twenty minute be fore the dinner he had been aummoned to the kaiser's presence, and bad then given In synopsis form every bit of tbe Informa tion that had been uaed during the even ing. Probably the kaiser bad thought lit tle before of any of the men present, and moat assuredly had read none of their writ ings. Even ao It 1 ao achievement of merit to absorb enough in twenty mlnutea to make one au courant of the labor and thought ot yeara. Lord Kitchener, aaother Englishman of r.T.i.,. nasaa sassgra, , .. 1 " .i:1! U at I faT af-ter thp Xow that the gorgeous ceremony Is over and the excitement attendant npon the iivpn ration for the ball is past, you will have time to attend to your winter wants. Our ntuie is a sceue of bustling activity and beauty these l;iys. Crowded full of the choicest merchandise from all the markets of the world. We wish to thank our friends and customers for their kindly consideration and patience during the busy days of the past weeek. In our cloak and suit department we were unnblrd to give as rod attention, aa usual, to our patrons, but we dlt) the best we could, and we want to ask our Omaha friends who were not waited on. to klmlly call again. For Mon itor' aelllng we will ahow several new suits Just received. Also another shipment of skhta and jacket. Some ex ceedingly nobby things, well worth looking at We hare a splendid lot of furs to show you this season, and no matter what the style of piece may In- you can rest assured it la the best of its kind selected personally by otir own buyer. These fall mornings should make you think of warmer underwear. Our stocks for men. women and children never were so large never were so well assorted. At dress goods section Monday we will display several choice pattern suits, ranging In price from $10 to $30. Among them are fine silk Elbellnes, Scotchy plaids, Bannockburn mixtures, flake xlbellnea. Imported for us. Alo a few dainty, exclusive patterns In choice FANCY eolllennes and voile. A magnificent gathering of walstiug awaltR your Inspection, from tc up to $3.00 jkt yard. Silk department doubled In size doubled In stock more than doubled in assortment. We would like to show you the Hue of Cheney Bros' wash taffetas. 27 Inches wide, the world's best for wear, all colors, $1.00 per yard. Lustrous, crisp taffetas, all colors, at 75c per yard. ALL SILKS GUARANTEED. We have Just received from England a line of mantle velveteens, dyed by Worrall, ranging in price from 75 cents to $1.73 for costumes, waists. Jacket, capes, etc., absolutely unapproachable confined to our store for Omaha. Scores of colors on hand always of crepe de chines our $1.00 quality will be found exceedingly hard to match. Plain black and crvam. In doublatwldtha up to $3.50 por yard. At the glove counter we were reminded of the busiest days of Christmas time. Still plenty left Heavy munnlsh gloves, oversea ui and piques, with nobby big buttons for cool days. Golf gloves Imported direct by us new and exclusive style. Monday we will close out all that Is left of the real kids, worth up to $1.20, ut Mt cents per pair. Go to the tie counter just to peep at the new stocks for ladles. Here we are always u little in advance of most stores, and always show the latest and most correct fixings. Hundreds of remnants of walstings and dress goods left from tbe busy bust ling business of the past week, on sale Monday at about half former prices. New fall stationery at book counter, from Hurburt, Whitney, Newcombe and a full line of the latest Hard papers. Remember we engrave. The busy basement will bristle with bright bargains on Monday. . Blankets and Comforts piled to the celling a little better grade and perhaps a little lower In price than the average shop. One Skirt Item for Monday to Attract Attention to This Deparment Mercerized black sateen with three tailored flounces three different styles to select from, usually $2 and $2.25, on Monday $1.45 Each Agents for the Butterick patterns and publications. Now is a good time to subscribe for The Delineator, the great maga zine and fashion journal. . Thomas Kilpatrick THE WHITE STOKE bank waa borrowed by their directors, of flcera and employes has been notably free from failures and scandals. Then there is a clear and tangible danger of going to tbe other extreme ot placing too severe restriction upon official borrowing the danger of driving from tbe directorships of national banks tbe live, active and pro gressive men of the community. Naturally, strong and forceful men, with large and diverse Interests, will not consent to serve aa bank directors when that official position Involves tying their own hands, to the point ot hardship, aa borrowers In the money market of their communities. But reatrlc tiona which will be both reasonable and ef fective are needed and the national bank act ahould be ao amended by congress aa to provide them. Kfltrleat Work of Baak Examiner. Putting "all the egga In one basket" is another prolific source of banking dlssater. I recall one lnatancc which strikingly illus trates the criminal and fatal results of this practice. A national bank In a large city had In tbe neighborhood of $12,000,000 as sets, ita credit waa of the beat and ita stock waa quoted much above par. Sud denly the comptroller cloaed Ita door and tbe caahler of the institution took hla own life. Three times the amount of ita capital had been invested in a single enterprise! As each atockholder waa held for a 100 per cent assessment, the suffering caused by its liquidation waa something sot eoon to be forgotten by the communis Involved. Direct defalcation on tha part of officer and employee la, of course, a aourc of bauk failurea. Often quick and clever action on the part of the bank examiners preventa heavy lose and sometimes eaves liquidation. Tha banka whoee failures are prevented Traits Which Lis tlnfuish Mea ia Public Statisn. Jsiues O. Blaine had. perhaps, as re markable a memory aa any one, born under the Stara and Stripes, and it waa one which he aaa fond of aaying "came with him." By thla be meant that it had had no auch rigorous training aa that of King Edward VII. But he, too, was always glad to ac knowledge hla many debta of gratitude to thla aource. Thurlow Weed made It a practice to re peat to hla wife at night In aequence every Incident of the day. So alive to Impres sions waa hla intelligence, and ao careful hla description ot them that tha taaic would customarily take from half to three quarters of an hour. v Another man who scorned above most things a notebook or memorandum was Rosco Conkllng. To carry auch a thing he regarded aa aa indignity, an1 loud were hla anathema agalnat hla countrymen that they allowed the custom to Increaae among them. "Teach children to remember" was with him a favorite maxim. Of chief officials of th United State President Tyler had undoubtedly the most exact and beat trained memory. Beside Im.1ii nf inpet lmahl lervirs tji hla country through a trying time, it gave him much pleaaure. Aa he lay in hla bed at night anil before Bleep' visited his eyes he would cajra bis mind by repeating to himself such loved poem a "Th Lady of th Lake," or again, chapter after chapter of aacred writ ing. After once hearing a long poem read he could repeat It perfectly. Nor waa this only transient ability. One New Tork woman of not there wa who deaervea mention among thla group cf unusual memories. Th reference Is to Mrs. Livingston, on of the founders and for long time director of th old orpbsn asylum. Without th slightest effort ahe could call th 300 children there sheltered by nam and remembered as well th In dividual history of each ona Also she bad President Tyler's gift of being able to re peat after oae reading say list of names r a losg peenv ' ball is O 1505-1507-1509 DOUGLAS STREET. J ...iii....iiiiii.ii,.u-ii.i IMII.WI1.MIJII m. iaii.li J.'- mmfmmUMMm.mtMmwar through the supervision of the national au thorities and their checking of dangerous tendencies are not known to the public, but there is generally full discussion, of the question of thoroughness and competency cf bank examiners when a failure does oc cur. As a rule, a high degree of efficiency exists In the conduct of the bank examiner ships of tbe country. Once, when visiting a friend in one of the suburbs of Philadelphia, I received a mes sage from a bank examiner who had been at work in another city. He Insisted that I come at once to Philadelphia. Arriving there I found him in company with tbe president ot a large bank In the city where he had been prosecuting hla duties. A few moments disclosed the fact that there had been a defalcation to the amount of at least $1100,000. Aa a result of the examiner's decisive action a large part of the defal cation had been recovered before the oard of directors became aware that there waa any trouble In their institution. Later, through this defalcation and the depreci ation of certain securities, this bank waa compelled to close. Infraction ot tbe law In the extension of credits through the cer tification of checks sometimes resulta in tbe wrecking of banka which are otherwise In good condition. The Strata of Tragedy. Throughout the entire history of bank liquidation runa a depressing strain of tragedy. Three aulcldes, in quick aurce slon, followed the closing of aa many banka in my own official experience, and I never ordered the appointment of a receiver with out the apprehension that perhapa I was unwittingly pushing another man to the last desperate extremity of those too -proud to face the reaulta of their own crimes. Always the two objects first In tbe pur pose of a comptroller ot tbe currency In tbe liquidation of an Insolvent bank are to cloae up tbe transaction with aa little delay end expense aa poaslble and to realize the maximum amount from tbe atsn,ts. Often It is difficult to accomplish speedy settlement without heavy aacrlflce of securities, aud frequently the only way In which to prevent material shrinkage la to take sufficient time to protect the enterprises in the list of aese'a. Tbe records show, however, that the cheapest liquidation of Insolvent enter prises Is that of national banka. This .Is to be In part accounted for by the fact that In thla phaae of hla dutlea tbe comptroller la unhampered by red tape and haa free authority over tbe Institution under his management. From tbe beginning of tbe comptroller- ship up to 1899, for example, th amount of nominal asseta liquidated waa 1235,636.788. Of theae 1101.(18,174 waa actually collected, with $40,000,000 nominal aaseta atlll on band. The percentage of total expenses waa only T.15. Tbe percentage which the credltora of theae national banka received waa 75.03, and this haa not materially changed In sub sequent yeara. In that year (1899) Investigation waa made regarding the coat of collections un der receivers for atate and private banks appointed under authority of the state courts. Information was had concerning m ,ucn bI,k, whlrh paid dividends of 42 97 per cent. The cost of administration was 16.S per cent of the total collections, or ever twice th percentage of expenae of liquidating national banks. Of late year the plan of consolidation in th administration of Insolvent banka which have reached an advanced stage of liquidation baa been followed by eomp- i trollera with decidedly economical results. Soma thirty different banka, for example, were placed under on receiver and a amall fore ot offlc aaatatants at Waahlngton, with the reault that th cost of th man agement was reduced to aa average of only 1427 a year for each bank. Fifty yea re ago no municipality in the l'nlled States had reserved a single acre of land for iark purposes. Now there ar about 7S.0UU acres of park land, for the Improvement and maintenance ot which at least 111, ow, 0X1 ar apent annually. & Co., - asssa J LABOH AM) 1SUISTKV. Railroads In this country employ over l.OUO.OUi people at an annual cost tor wage and salaries of over X,0O0,0w. Wages of the working people of the TTnlted Kingdom, according to ofllclal sta tistics, phowed a decrease of $7.9om last ytar compared with the preceding year. The turn-over of 2,000 co-operative socie ties in KuYone last year waa 1400,000,000. lri 1M)3 it amounted to -only 20,000,0u0. Co operative stores are In successful operation in thirty-eight cities in California. The people of the United States, although but one-twentieth of the world's popula tion, have brought under cultivation one fourth of the producing land of the earth. In a report on Japan, recently Issued by the Britivh foreign ortlce. It la stated that in 1H01 six American locomotives were ordered for the Hokkaido government railways and others tor the main Island and Kiushiu. Indianapolis In out for the headquarters of the L'nlled Brotherhood of Carpenters, thou Id the convention now In aesnlon decide to rhunge them from Philadelphia. It the he&dujarters are removed it la likely the. will go to lndlanaHlis. The electrical road of the country, have a nominal capital of 11.6u0,000,OiO, employ Sii0,ni person who are paid 2ri0.0n0,0u0 a year ar.d run SOCIO enra over 20,000 milos of track. Ten miles of electrical road are building to one of steam road. The International Typographical union haa sent out letters of lnxtructlon to the secretaries of Its pubordinate unions to call tor votes on the amendments to the consti tution and other matters referred to the memberphlp at the recent convention. The vote rnunt be tiiken on or before October Zl and the results muvt reach the head quarters at IndliinapollH not later than Oc tober 31. when the count will be made. The fur' trade of the world la concen trated at Leipzig. Germany. Ixmdon 1 a gieat raw fjr market, but two-thirds of Its transactlonx are sale to Ielpzlg'a manu factured. The chief trade Is in Astrachan fur from Bokhara, vhlch are worth, when made up. more than KMxO.oiio each season. Sable sklnH. iio.OOo In number, worth IjO to lit each, are next In importance. White fox klns. worth tA'O.tiuO, are ufd, and about 2.0ii0,ouo Rueslun squirrel akiln and l,OOU,UU0 lamb skins. J "Man ywm mymm, mmi ymw mth aviaf whmi luck will bring yu." The mother smile at the childish game, and doesn't realize that it is a game she a woman has perhaps played for a jrteat many years. Many woman is weak and sick, nervous and ditn-ouraped. She suffers from headache, backache and other ill. She wants to be well, but all she does is to shut her eyes and open her mouth for medi cine and trust to luck for results. (She "doctors" month after month, often rear after year, , n this same blind, hap-hazard fashion, snd re- ceives no perai- neni Denenc Women take Dr. Pierce's Fa- ti vorite Presorip- t. tiui !tl, !,.. MWU WlbU evea orjen to the fact that it enres woman fy ills. It cures irregularity. It dries debilitating drains. It heals inflammation and ulceration and cures female weakness. There i no trusting to luck by thoae who use "Fa vorite Prescription." My dieaa was dUplacraeat sad ulceration r the uterus, and I waa ia terrible condition with pai a a4 weakness aad had givea up all bupe of being wll agaia." writes Mrs. Harry A. Brown, of Orobo. Penobtcot Co., Mi. Had doctored with four different doctors with in luur months, and ioktead of gettiug better waa growing weaker all the time. I deridid to try your ' Favorite Prescription ' 'Onldra Med irnl IHarovery.' and 'Pleasant Pellet,' as 1 had heard ef th many curea resulting flora their I bought five bottles snd (c-l So much be. arr ancr taking them that 1 kept oa until I ain aa well aa evr in my Inc. and to lr. pirrc alfi the oraiaa ia due. I eannot say cnouah in favor 1 bla medtclnta. aeiore 1 began taking your Bicdiclaca I oulr writhed ona hundred and twenty pounds. 1 now weih one hundred and sixty pound. I gamed forty pound In six month. I shall doctor no more with noma ourtora. aa it U only wane of money. I am now ia pcifect ksalta, thank to Ir. Pierce. Dr. Pierce's Pleasant Pallet cleax Um tuuddy complexion. mm f 1 v.