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.