Omaha daily bee. (Omaha [Neb.]) 187?-1922, November 17, 1905, Page 4, Image 4
THE OMA1IA DAILY REE: ill ID AY, NOVEMBER 17, 1003. Tiie Omaha Daily Uee. E. IIOBF.WATF.R, F.DITOU. PUBLISH KD EVERY MORNING. TERMS OP SUBSCRIPTION. Daily P-ee (without Sunday), one year..SM lelly Bee end Sunday, one year J0 Illustrated Hf. one year I .M Sunday He. one year IW Saturday Be, one year I " DELIVERED BT CARRIER. Pally Dm (without Sunday), per week...l2o V a y He tln. hiding Sunday), per week. lie Evening S (without Sunday), per week so F.venlng (with Sunday), per week....la Sunday Rm, per copy &o Address romulatnta it Irregularities In de livery to City Circulation Department. orricEs. rnaha The Bee Building. South CmiM-City Hull Building. founoll Bluffs 10 Pearl Street. Chicago IS4A Unity Building. Nw f orlt If Home Life In. Building. Washington Kil Fourteenth Street. CORRESPONDENCE. Communications relating to news and d Itorlal mailer ahould he addressed: Omaha Bee, Editorial Department. REMITTANCES. Remit by draft, express or postal order, payame in in nee r-iiiiianing company. Only l-eent stamps received as payment of mall aconunta. Personal chocks, except on Omaha or eastern eschanges, not accepted. I MM WB.K PUBLISHING) COMr-ANX. STATEMENT OF CIRCULATION. Stat of Nebraska, Douglas County, ss.: C (!. Rosewater. secretary " The BS Publishing Company, being duly sworn, saya that tha actual number of full and complete copies of The Dally, Morning, Evening and Sunday Bee printed during tha month of October, IMC, was aa fol low : 1 M.lOO 17., 1 fio.TOO .. I SO.IHM II. . .. no, Aim .. no.ono .. ao.nso .. RO.QICO ai.sx to.... t S1.230 n st.aio a 1 81.030 1 82.410 a... I 8O.03O 24... t 8i,o.io a... 19 81,100 a... ii ai.iao ft... 13 8O.TI0 a... ii ao,ao a... It SllO 10... It W,4oO II... II BO.TUO Total !. unsold soplss...,. ao.mx) Bl.lOO 80.MHO 841,01 0 Sl.NOO no.roo 81,000 SO.UOO . .fxus.HSO .. lO.ttBl Nat total salee aa.24f Dally sveraga SO.T1T C. C, R08E WATER, Secretary. Subscribed In my presence and sworn to before ml this list day of October. 19i. (Seal) M. B. HUNQATE, Notary Public. WREN OCT Or TOW", abaerthere leavlae; b ettr wararlly ahoald ha Tha Baa aaatlae) ta tbaaa. It Is watts tfcaw daily letter from horns. Ad dirwss will fcs rbaaged oftea as lu the mean time, what ia to become of the market house erected by the city on lower Cepltol avenue? Omuba bank growth is u pretty good reflection of Omaha biiHiiieaa growth anj the flg rea mount into the millions Home of those speculative "pools" in Wall street seem to have proved verlt able cesspools for aorue of the pnrtlcl pants- Aa aoon as Improvements already tinder way are completed, OmnhtTs wholesale district will Invito compnrlson wltU that tf any city of twice Its size, ' ' ' T. . ' " Oovernmcut statistics would Indicate that arbitration la not a popular method of settling labor disputes, but like all other young things It may be expected to grow. 1 1 ' 1 It waa necessfiry to deny thnt an nncle of the ctar had been appointed military dictator of Russia,' for the next Rus alan dictator will hardly come from the royal circle. Unless New Mexico con make suit able arrangements with Pennsylvania it may have to send a vice delegate to represent Its Interests In congress at the next session. Hermans have loug been kuown to have an eye for the beautiful, so that no one la surprised when an arrest Is made In Prussia for counterfeiting the American bank note. The Water board proposes now to go after the flat rates for water service exacted by the water company. This should t'tiuble ths thousand-dollar-a-cllp lawyers to find another teat to milk. Pormer tJovernor Odoll of New York denies the assertions of Mr. Hyde with all of the abandon of a man who antlcl pates belief on the part of bis bearers . because f the previous record of his ad versary. When Count Wltte addressed the workmen In a manufacturing establish ment as "brother workmen" he doubt less talked on the assumption that he was addresslug an assemblage of cabl net makers. President Castro evidently believes that the way to get rid of Importunate ranchmen Is to refuse to pay their bills, but be should by this tiros have greater familiarity with the methods of Interna tional debt collectors. A St. Petersburg phtlauthroplat has twen placed st the bead of a committee to distribute the money sent for the re lief of the Russian Jews. The grand dukes may now see a golden stream lowing by Into which they cannot dip tbalr hands. Tho utnudatory lujuuctiou Issued by tlie federal court, commanding the Board of Appraisers to proceed to com plete their appraisement of the water works plant may be expected to hurry tuiugs, especially to view of the fa that tb Wgtalature decreed the liu mediate run pubtory purchase mure than three years ago. L i , . J . , I City Eht-tih'lan MU-baelsen U on the right track In his efforts to get ths basts of i ftr Insurance in Omaha reduced. Omaha bis u.ore than doubled Its pay mcoti for firs protection within recent years, ths plea always being that txt ter Are piotectlou would reduce Insur snce rates, but the rate have never ba rorrvf puodlngly reduced. KXl OFI VVnUUTT Itl RF.AV. Tlie nniinnnopiiirnt sr-ut out a fpw tlnya or that Hit? rsllrofld publicity IxiD-mi, crcatoU to antagonize? the rate regulation policy of President Roe vrlt, had been tloeI, caused no great surprise. In CDnnocikirt wltli the an nouncement waa the statement that the bureau had Jk-cii very expensive to th different road assessed, tbe coat being estimated at nearly $2,000,000. It was probably all of thla amount, or even more, and It Is not astonishing thnt under the continuous drain the railroad managers should have decided that It was Inadvisable to keep up the so-called publicity bureau. The fact la, as has been pretty clearly demonstrated, that the railroads made a grave mistake In organizing their bureau. Instead of accomplish- Ing anything for the cause which It was Intended to subserve. It baa really proved an Injury to it The effect of the literature sent out by the bureau has not been to persuade the public that the position of Tresldcnt Roosevelt In regnrd to rate regulation Is wrong, but j rather to convince it. In view of the ex- tremo anxiety and solicitude shown by the railroads, that whnt the president I advocates Is absolutely right. Whoever has taken the trouble to study the care- fully prepared articles sent out by the railroad bureau must have become con- vlnced of the shallowness and the in- adequacy of the so-called arguments preseuted. From first to last the pleas I of the Ingenious attorneys of the rail-1 roads have not sought to meet the qnes-1 - .1 tlon squarely and In a fair and logical I way, but havo resorted to all sorts of conjectures and possibilities and technl-1 calltles lu tho effort to show thnt the I policy urged by the president would result in great harm to the transports- tlon Interests of the country and there- fore to all other Interests. Tho efforts of the railroads In this I direction, which Is said to have cost them nearly f2,00O,OO0, have not pro- duced the results they hoped for and expected. They have not made very much of au impressslon upon pub- lie sentiment. It Is pretty safe to say that the converts to the railway side of the rote controversy, made through the railroad publicity bureau, are fewer lu number than those who through these I very arguments have seen the fairness and Justice of the demand for railway rate regulation and thereby have been I made supporters of Mr. Roosevelt's po- sltlon. I Tho closing of the railroad publicity bureau does not mean, of course, that I the railroads contemplate stopping the fight agalnat rate regulation. They In- tend to keep up the contest, but they I will carry it on through their represen-1 tatlves In congress Instead of through the newspapers. Still the abandonment of the bureau Is a confession of failure to Influence popular opinion by this method which Is significant.' According to Mr. Gompers, president or tne American feneration or iDor, conditions in rorio Kieo arc aepiorabie. He states that uiere Is much poverty I ana nunger among tne people or tne Island and that as a cousequence the la-1 boring classes ore able to do but little ork and cannot be considered in the employment upon a great public under-1 taking. I There have been other reports from I the island of a similar nature, ao Uiat I we are compelled to believe that the statement of Mr. Gompers Is not an ex-1 aggeratlon. What should be done to remedy the unfortunate aituatlon Is not suggested, but manifestly It demands serious consideration on ths cart of con- gress and the administration, to the end that some measures be adopted for glv- lng employment to those who are able m r and willing to work and relieving a ait uatlon which It would be discreditable to the government to permit to continue a day longer than a practicable remedy can be fouud. There would seem to be among the Porto Rtcans more concern respecting their political future than their material welfare, perhaps on the theory that a broadening of political privileges would result In greater Indus trial and commercial prosperity. At all events. It will be a reproach to our gov ernment if the unfortunate conditions In Porto Rico are allowed to continue. We should be able to at least do aa much for the welfare of the Islanders as was done under Spanish rule. THE STATKIJUOD QUESTION. President Roosevelt la said to have de clared his position In regard to the ter ritories which are seeking admission as states. According to report be will rec ommend that Oklahoma be admitted and that the other territories be kept out of the union for the present It is also stated that the committees on territories of both house and senate are Inclined to stand by the old program of creatlug two states out of the four territories. It la pointed out, however, that since the questJou of statehood for the territories was brought Into congress many seu ators and representatives have person ally investigated the existing conditions In the territories aud the result Is that seutJiuent among public men Is crystal Uzlng In favor of tha plan of admitting Oklahoma and Indian Territory to state hood aud letting Arlsona and New Mex ico wait A report from Washington says that there does not seem to be a dissenting voice as to the proposed admission of Oklahoma and Indian Territory, though there Is difference of opinion aa to whether the two territories should be admitted as oue state, or aa separate autea. but ou the main proposition, the preparedness of those two territories for statehood, there is no dissentlug opinion. The coudukiuu to be draaa from these ro(orta la that the admission of Okla homa la assured, that the iDrtlan Terri tory may 1 granted statehood, and that neither New Mexico nor Arizona la likely to be admitted by the fifty-ninth congress. The objection to the latter territories la largely la regard to the character of a portion of their popula tion. Western opinion la In favor of dlspos- ing of the statehood qneatlon by the fifty - ninth congreaa and there appears to bo no substantial reason why this can not be done. ekcoVraQIXQ Bians. At no time within Its history have there been more encouraging aigna for the continued expansion and prosperity 0f Omaha and the contiguous cities and towns that make up Greater Omaha only within the past few wecka tha growth of several of our largest com merclal Institutions, In both retail and jobbing dlatricta, baa practically burst the bounds of their bousing facilities tnd forced the erection of new and more commodious buildings and warehouses to accommodate them. The announcement of a new half block of warehouse and factory con structlon to take care of a single wholo- sale institution Indicates that our busl nets men are confidently counting on the future and looking ahead to a stead hy enlarged trade activity. The gratify jng part of the situation is, however, that this growth is not conflned to tho largest mercantile concerns, but per meates In almost the aame measure through the entire business community, being shored alike by big and little, Our jobbing bouses could not flourish to the extent they do unless the retail trade In this territory were similarly thriving, and the retailer could not In crease the volume of his sales were not the Individual consumer enjoying un precedented prosperity. This story la told again, lu different words, lu the exhibit Just made by the national banks of Omaha In response to the comptroller's last call for a periodic financial statement Tho comparative exhibit of national bank resources and liabilities now and a year ago Illustrates graphically ttw procession of prosperity In which the entire west Is marching and in which Omaha not only occupies a conspicuous place, but Is steadily gain lng upon its commercial rivals, The very fact that people already here are pinning their faith to Omaha in such a substantial manner cannot fall to Impress outsiders most favor ably and help still further to attract population and capital. Omaha's rising tide has by no meana reached Its full height but quite the contrary; there is nothing In sight to Interrupt its con tinned progress. Swrotary Taft will go as far as Kan n" CJy 00 hl western trip. If it la Ut too late Omaha should extend on invitation for a place on the Itinerary Piovonnl intnectlon bv the secretary of I war of our army posts and supply deD0(!l VOuld surely be to our advan- ta. vnPU appropriations aud leglsla tUm nro Ullder consideration at Wash jngj01K The local pepocratic organ Is now busy delmting "Rockefellerism" with popocrntlc ex-members of the Board of L'nlvcrslt.7 Regenta, whom It accuses of being responsible for accepting the Rockefeller donation. If this Is purely a pepocratic fomily quarrel, republicans will do well to let them settle it among themselves, In Elding that uone but American cltlzena shall be appointed to consular positions Secretary Root has taken a eP calculated to prevent tne uuueu States from finding Itself the seml-offl- clal champion of some faction in coun- I ... .....I tw(na rAnr v-A vtfMiirinn a flrA ktonr in rr.iii 11 ICS) " VI a v va w w w. t- v wwa storage. The dowager empress of Russia un doubtedly finds It pleasanter to be at home with "papa" In Copenhagen than to be listening for bombs at St. Peters burgbut the popular Idea of the Spar tan qualities of the mother of the csar may have to be revised. The stioHtlon of the filing fee for on irics W lua uiuuniimi fiiiunij ia va- pected to stimulate a multiplicity of candidates. No candidate, however, so far as any one knows, waa ever barred out of runrln for office by Inability to ratsft t)ie anto. Saaeealag- tha Sick. Brooklyn Eagle. Ths drug trust, which Is one of tha rsthsr mischievous organisations, has raised prices so as to yield an extra profit of S40.000.000, Now la a good time to resolve not to be sick. Rlht Haadteaape. Kansas City Times. The railroads may have had tbe right idea about ths way to mold publlo opinion. through the medium of the press, but they wera handicapped by having ths wrong end of ths argument. Hard Blew for Graftera. Chicago News. With a democrat In charge of ths Penn sylvania state treasury ths republican ma chine men face ths awful prospect of hav ing U put up real security and pay legal rates of Interest when they want to borrow money. Aa Optical lllaalva. Chicago News. Hear this from Chancellor K. Benjamin Andrews: "Played under due supervlaion foot ball breeds not callousness, but kind ness and restraint." Somebody has fooled ths gvntleman. Ha has been watching game of croquet. Pvraaaal Eaeassltrs la tha Xavy Philadelphia Record. Dueling has been eliminated from ths A mar I can army and navy. It la tin that Bat ftghtinf was eliminated from ths achoola a here army and navy officers are educated. There Is nothing whatever In common between national warfare and per aonal encounters either with natural or artificial weapons, and meo who will not fight Indivlduslly sre Just as ilkely to fight bravely for their country sa men who do. Besides, the cadets and the midshipmen have foot ball In mhlch they can demon strate their disregard of peraonal Injuries. rnl( the Hat for Japaa. Brooklyn Eagle. Psinine Impends In Japan through the failure of the, rtcs crop and tha enforced abaenca of farmers at the front. Bsy ths word, and we will take up a collection. W did thst for Rusals, so why not for a people who are behaving better than ths Russians at preaentT Slaaa of tha Ttaiea. Kansas City Stsr. There are many signs that the preldent will have the support of almost every re publican In the house and a majority of the republicans as well aa practically all the democrats in the senate. There Is now a very strong prospect thst a railway law will he enacted and that It will be a good one. There will be no disposition on the part f the real representatives of ths people to temporise with ths railroads. Tha bill will not be Juggled aa tha Elklns bill was. Indeed, the new measure should and may carry with It s restoration of ths criminal clsuse eliminated by ths Elklns set. The people know Just about what they want, and they are going to keep their wants before congress. A Trick that Didn't Work. Kanaas City BUr. The railroads regret that they have spent a couple of million dollars trying to "make sentiment" against the square dest. They have equal reason to be sorry that they sent a delegation of railway employes to the president to proteet against proposed railway legislation. Whoever conceived the latter idea is the blue ribbon chump of the whole railway fraternity. 'All I want In any rate leglnlatlon," snld the president to the delegation of railway employes yesterday, "Is to give the gov ernment a mifflclent supervisory power which shall be exercised as scrupulously to prevent Injustice to the rallroada as to prevent their doing injustice to the pub lic." Of course any opposition to any such a sound general policy must be baaed on a dealre not to "tote fair" with ths public. 1DISTRIAI, 1STRANCB. Cost af the Inanred. Profits of the laaorcr. Spring-field (Mass.) Republican. Why are the poor poor? The turning of the New York insurance Inquiry Into the matter of so-called Industrial insurance brings out farts helpful In answering that question. Industrial Insurance differs In no essential particular from ordinary life Insurance. it Insures for small sums among people who cannot afford so much as a 11,000 policy, and who think they cannot afford to pay premiums In quar terly, semi-annual or annual lumps, but must make payments In weekly driblets or nickels or dimes or quarters. This Insur ance among very poor people Is further car ried to the point of Insuring the lives of little children under 10 years of age, which have no economic value and hence no In surable Interest. This Infantile Insurance Is offered on the plea of providing for tha funeral expenses of ths child In case of death. It has been frequently and warmly opposed on the. ground that, among very poor people, struggling to get along and overburdened with children, the temptation to the parents of a moner value Is placed upon ths death of the child, and If down right murder Is not Invited, neglect leading to death Is apt to be. Time and again American legislatures have considered bills to prohibit child Insurance, and anions: them tha Massfu-sUMtta legislature In 1896, but ths companies Interested have gener ally succeeded in defeating them. So ths business goes on in expanding volume, and along with It the small Insurance of adult lives which Is paid for in weekly premiums collected by agents going about in person among ths Insured. It can be readily Inferred that such in surance is vary expensive. Bad as ordi nary life Insurance has been shown to be In this particular, Industrial Insurance Is much worse. To an expensive agency system of getting new business Is added a premium collection system nearly or equally as expensive. The result is that while well-to-do people pay far more than Is necessary for their Insurance, ths very poor pay nearly twice as much. It is ths difference, saya President Hegeman of the Metropolitan Life company, which la tha largest of the industrial companies, be tween wholesale and retail transactions. It Is the difference between buying coal by the ton and the bucket. Take his own company. It has an ex pense ratio of some 35 per cent against 20 per cent for ordlnsry life companies, and the ao per cent is so needles! excessive as to raise a great outcry among well-to A InaiiMnts Th In V than tt a VK r.a Think, then, or a 35 per cent expense ratio for the very poor. For example, this same Metropolitan Life will sell a 11,000 polk-y on the ordinary plan. according to President Hegeman's testi mony, for tie. 5 a year (age 22), but will charge $31. S) on an Industrial policy for $984, weekly premium payments; and smaller policies are proportionately ex pensiveJustifying the assertion that ths very poor pay about twice as much for their Insurance as the well-to-do. snd tha latter pay some 20 per cent more than Is necessary. Take again Mr. Hegeman'a company. Last year It collected t&O.WQ.OOO from policy holders, mostly of the very poor or weekly premium payment class, and It returned to policy holders. In death claims, divi dends, etc., only $16.SX),O0O. It expended in salaries, commissions and other expenses. almost S2O.000.00O, or a good deal mora than u returned to nnllcv holders. What . fearful waste of the substance of ths poor In ths one msttter of Insurance! The lapse percentage In this Insurance Is enormous, and last year the Metropolitan company gained over S3.0no.000 from this source, ac cording to Wednesdsy's inquiry. Evn with weekly premium payments ap parently a majority of thoie Insured throw up their policies within two or three years, and so lose all collected from them for reserve. And tha poor will havs It so. says liegeman; they will not come to the company with their premium payments. tha company must go to them through sn army of collecting scents. , But It Is a great business to those en gaged In It Mr. Hegeman's company is a stock concern of SZ.taMHO, paying 7 per cent dividends. The whole establishment naght have been bought out years ago for S2&0.0U0. said Mr. Hegeman yesterday, but now &.0O00"O would not buy It. And small wonder, when we hear from him further on that his own salary la S100.000 a year, that of Vice President Flake, who so ably defended Infantile Insurance before tbe Massachusetts legislature ten years ago. 175.000. a second Vies president S3T.500 and a third vice president SJ1.360. It'a a gold mine for the managers, if not for tha stockholders an Immensely profitable thing, this of Insuring tha very poor and collecting their pennies and dimes. "Are you making any serious effort to reduos expenses?" was asked yaeterday, and Mr. Hegeman aaid solemnly: "We are always doing so." And so with the other big life companies always trying to do so, but never succeeding, and never by any manner of means extending ths trial to their own fabulous salaries, which In crease right along as the trial for economy proceeds. its or wAsmsGTO urn Mlaor Seeaea aad Iseldeat Sketched a tha . A fruitful sub.leet for discussion and speculation smong Washington corre spondents is the lineup of the forces for the approaching battle In congress for and against railroad rale regulation. What will the outcome be? Is a queatlon thst affords boundless possibilities for ths grouping of strategetlcal movements Snd Incidents regarded as forerunners of ths struggle. A cautious and observant corre spondent of (he Boston Transcript throws Some light on the situation as It appears at the present time. "Slnca election." says the correspondent, "ths rallrosd con troversy hss assumed such lines that a compromise, rather than an open break between the president and the senate, seems the natural outcome. Ths senate cannot afford to break with ths president. It will have to take ths best concessions It can get from him. but It will apparently feel obliged to pass a railroad bill. It woud be highly perilous to go Into the congressional elections next autumn upon ths record of having thwarted ths presi dent's plan. It appears from such speeches as that of Senator Knox, whoss relation to ons great railroad system Is close, that a considerable group of railroads are pro paring to adjust themselves to reasonable compromise legislation, and mak tha best of It, If Indeed they do not help to prepare it. "The group of railroad 'stand-patters,' liks James J. Hill and Samuel Spencer and Lucius Tuttle, will put up a mors de termined fight, but how far they can get the senate to go with them Is an open question. The real railroad fight this win ter will not sppear In the speeches deliv ered on tho floor. Those will be for de clamatory purposes. Nor are polls, show ing how the different senators stand, of much value. Aside from New England, snd perhaps New York snd New Jersey. snd Mr. Foraker in Ohio, practically all the senators will find It necessary to seem to be 'against the corporations.' "If they differ with the president they cannot say so openly and squarely, but must discover Indirect and recondite ob jections to his plan. Outwardly they must Join In tha praise of his statesman ship; but In the deliberations of the sub committee, and when tf.. conferees are at work, they may more nearly voice their real opinion, or give heed to any obligation that they may feel to railroad Interests, which are very powerful In a Serg num ber of states. The stockholders are. or will be. aroused by pamphlets, and It seems probable that the railroad employes, who form an Immense army, will be made to see that their Interest lies In having their employers left with ths present free hand In rate making. A significant con ference of railroad labor men was held here this week. The favored shippers. If there be such, and the localities which bene fit from existing discriminations, will un doubtedly ally themselves In opposition to the presidents plan. Thers will be. be sides, the opposition of those who dread too much government; who fear tha hand of politics in the Industries; who think It better to leave private enterprise alone to work out its own problems. "When the question Is raised as to how any senator will vote or what, his influence will be In the secret recesses where egla latlon Is made, several considerations al ways present themselves. What do the people of his state think of Roosevelt? If It is one of those communities where en thusiasm for the president Is at a high water mark It will be difficult for the senator to allow himself to be rated as against the president, Morgan and Pettus, In Alabama, can afford to be, because thoy havs been fighting him for years, and they hold their own democratic state firmly. But with senators like those from the Dakota and Wyoming and Minnesota, It would be an unpopular senatorial assign ment to tske the open sgslnst Mr. Roose velt. "It la thus apparent that ths railroad rate regulation campaign starts In with many elements of strength on ths president's side. At least ths senators who reflect the wishes of James J. Hill, for example, must greatly prefer to do so by getting the best possible compromise rather than by throw ing their party in the senats Into blunt and- open antagonism with the president. It is safe to predict that If the coming ses sion should adjourn, after the senats had broken with the president as squarely as that body under democratic control did with President Cleveland on the tariff question, the republicans would suffer In ths congressional campaign next year. A democratic house would almost certainly result. The only safety for the republicans comes In holding together, president and senate, and they know It, and this Increases the prospects of compromise. The dismissal of several clerks employed In ths buresu of pensions for loaning money at usurious rates of Interest to their fel low clerks, or being the Intermediary or go-between of outside loan sharrks, Is the first step In breaking up a pernicious prac ttce thst hss been In vogue from time al most Immemorial. There are In this city today men who have accumulated fortunes by loaning money to government clerks rates of from S to 10 per cent a month, and there are clerks drawing government sal arles who have loaned and sre still loan Ing money to their fellow clerks at the same usurious "rates. The modus operandi Is as follows: These outside losn associa tions have their agents in each department. These agents are familiar with each clerk know his habits, his associates, know that ha Is honest and one who keeps his word. The clerk desires, we will say, a loan of " " "uu" uul l" " n' "nice mivi. iiv ,o vuii'iuyru. Ild goes id see him explains his necessity. Is given a blank note to fill out for five months, another blank to fill out, in which he obligates himself to pay HO monthly for five months. He must havs two Indorsers on his note who are required to give their position in the ser vice, where employed and the amount of salsry received. This formula having been made out, the agent (clerk in the depart ment) takes It to the loan office, "O. K.s It and the next day is handed Stf. This Is at tha rate of per rent per annum, or thi per cent a month, or M per rent dis count. If ths note Is not paid It Is pro tested at a cost of about f2. This seldom hsppens. Very tew of the notes go to pro test. Ths Impecunious clerk pays up, re news the note, and so it goes on for years. racemaking Is to be a diversion of fssh- tnoable women In Washington this winter. Mrs. Roosevelt may be called the pioneer of this movement, though ths wife of ths French ambassador, Mme. Jusaerand, ai.d several other women In the diplomatic corps have added to Its popularity. When Mrs. Roosevelt receives the womea of ths cab inet circle for the weekly boudoir confer ence she works on a piece of filmy lace while Important affairs of tae next social season are diacuaeed. Whenever the i real dent's wife receives aa Intimate friend In the sunny weatarn alcove oo the second corridor of the White House, which is her special preearvs. she makes her lace, chats. tops long enough to take a cup of tea and begins at her lacs again. Shear! the Peer. Philadelphia Record. It is a curious fact that the companies for ths insurance of ths poor are the ones In which lb)' are moet coaipleily shorn. The Jar of Coughing Hammer blows, steadily applied, break the hardest rock. Coughing, day after day, jars and tears the throat and lungs until the healthy tissues give way. Ayer s Cherry Pec toral stops the hard coughing. Con sult your doctor freely about this. , - - We have no secrets! We publish the formulas of all our medicines. Keae y the t. O. Ayer Oo., lweU, ataea AIM ataaaOMtarars af ATtlt'B HAIH Ttoow.-Foc ths hair. ATER'8 PILLS tot eonrtipatloa. AIXK'S SaJtSAPARilXA Fo ths slosd. ATER'S AOuS CURB For malaria sad af as. PERSONAL, KOTBS. A freak election better In Ohio goes Into an Insane asylum for a week to fulfill a wager. But Isn't this rather rough on the genuine inmates? It Is anonunced that Mr. Carnegie has agreed to assist high School pupils of Pitts burg who desire to take a finishing course at the SIO.000,000 Carnegis Technical school in that city. Kather a nest epigram from Lester W. Boudlne, superintendent of compulsory education In Chicago: "We are suffering from too much prosperity for the rich and too much posterity for the poor." Oovernor-elect Pattison of Ohio courted his wife at college. She was the daughter of his Greek professor In Ohio Wesleyan university. Their two girls, ths Misses Alethea and Ernestine, are Vassar gradu ates. A bachelor girl. Miss Grace Stephenson, has become ths editor of ths LJndsborg (Kan.) News, which used to havs this line over wedding announcements: "They Are Happy Now." The new editor has changed it to "Thsy Are Happy Now." In addressing Cansdian teachers ths Hon. Mr. Sutherland denounced United States magaslnes for their boastful spirit. Then he added: "Man for man, Canadians are more Intelligent and better educated than ths citizens of any other country, ancient or modern." Ths late Edward M. Paxson. former chief Justice of the supreme court of Penn sylvania, Bucks county, devised a large part of his landed property thers for the establishment of an agricultural Institute for poor boys, to be their home from the age of 16 years to 21. Judge Paxson was a wealthy man and It was estimated that his property may reach S3,000.000. His plan s to have those poor boys properly edu cated aa farmers, etc. KNOCKS FOR A MERE MAN. Clah Womea Swing- the Clab Here sad There. New Tork Sun. Now the tin horn blares no longer and ths campaign flags are furled; and the philosopher and sociologist can return to the chief and crown of things. The real rulers of the world hsve been In regular session Sh rough all these brab- bllngs and howllngs of ths inferior sex. For Instance: The Federated Women's Clubs of Oklahoma have resolved to soften the just severity of their treatment of their slaves: "Reports of ths clubs Indicats an In creasing tendency to show more consider ation for ths husband." A perhaps Injudicious spirit of kindness. Let the poor devils "taks what is coming to them." pay up, shut up and disappear! Not even the Oklahoma matrons can save doomed, race. In a speech at the Interterrltorlal fed eration meeting at Oklahoma City. Mrs. James Lewis, sometime president of the Kansas State Federation of Women's Clubs, seconded persuasively the motion made previously by many leading states- women for the establishment at Washing ton of a department of women'a clubs and ths appointment of a secretary of women's clubs. In view of the evident tendency to have a cabinet Include everything. It certainly should Include the nest of every thing. Rev. Dr. Anna H. Shaw of Providence, R. I., told the Kentucky Equal Rights assocla tlon soms great truths rasping to mascu line ears: "Man In a swallowtail coat and a silk hat Is the ugliest combination the world has ever seen." Still, may mere man ask with due humil ity, whst changes In the combination Dr, Shaw suggests? Should the ugly critter substltuts a "derby," sombrero or golf hat for ths customary "dry hide," or should a cardigan Jacket take the place of splketall? Some painful facts for dwindling man: "Why is It that, according to statistics of the last twenty-five years, women havs Increased In stature two aud-one half inches snd men have decreased that amount?" Decline and fall off. In a few years what will be left of him? From the Im placable lungs of Kansas shoots the faUl watchword: "Man must be abolished!" Greed la Two St St. Louis Republic. Mr. Roosevelt msy preserve Niagara Falls from commercial and Industrial uses, but ths water of Wall street must havs some outlet. "Ettttio" Bookcass and Desk combined. Permits as much or as little book space as wanted. Comprises Desk Unit wilrt tow or many Book Units as desired. Roomy, conven ient, attractive. Car) and see or write for catalogue 104 Orchard & Wilhelm Cirpet Ct. Sola Agsnta. K IN FIT FOR CIHCVLATIOJL Paper Money Sorely la Heed af rauaderlasT. New Tork Times. United States Treasurer Treat's report, Just published, says thst our psper cur rency "is subject to very rough usage, which soon reduces It to a condition un1U for circulation." What Is the reason thst our currency cornea to need washing and Ironing before It Is fit for the pocket? It Is because it Is never truly redeemed. Boms of our paper money stays sfioat for years. although It ought to be destroyed when ever the cycle of trade which called It Into existence Is accomplished. Wnn a farmer gets greenbacks for a load of grain and deposits them in a bank, they ought to be destroyed when next they reach the treasury. If the farmer pays the psper "money" to a store. It ought to be de stroyed whenever It Is paid Into bank In satisfaction of the discount which called It Into existence. If we are not mistaken, the average life of our paper money Is two years, whereas it ought not to exceed at most the time of curroncy of the ordinary promissory note. Dirty money hss a deeper meaning than mere wear and tear. It Is an out1 ward and visible sign of unsound principles of currency. POINTED PLEASANTRIES. "Charlie Gebust appears to be a good deal upset by that bank failure." "Yes, I understood him to say that he lost his balance." Cleveland Leader. "Why don't you advocate reform?" asked the friend. "I do advocate It," answered Senator Sorghum. "But I don't see any occasion for my risking my political and pecuniary future on It." Washington Star. "Tea. she's Just wild on ths subject of ventilation. Keeps the windows of her home up mora than half the time." "yea.'" 'And wnara onen work Itoelerv all . the year round." Cleveland Plain Dealer. ' 'Mrs. Brown Is ao nhllanthrODlc! 1 She loves to give things away." "But she goes too far. She gives people away!" Detroit Free Press. 'I'll give you a position ss clerk to start with," said the . merchant, "and pay you what you are worth. Is thst satis factory? 'Oil, perfectly." replied the college grad uate, but er do you think the Arm can afford it?" Philadelphia Ledger. "The stare Is a great elevator." declared the literary enthusiast. "That's right," said the theatrical man ager, "some actors shoot up In a minute. snd go down at the same rate. Detroit Free Press. "You know McSlunlgan. don't you?" raid the doctor. "The first tlaO lie earned by days' work he put into a horse snd cart. snd in the last few years he has sold rearly 1,000 graphophones." That only snows, commin'-ert tns pro fessor, "that a little earning is n dangerous thing." Chicago Tribune, She hsd Just refused him. Her woman's heart Was tilled with pity. "Do not be so cast down." she said. "It grieves me greatly to give you so much pain." He looked up and laughed. "Don't worry." he said. "My proposal was Just a freak election bet." j nen ne took nis nat anu ten. Cleveland Plain Dealer. SPIRIT OF THE NIGHT. Percy Bysshe Shelley. Swiftly walk over the" Western wave, Spirit of Night! Out of the misty Eastern cave Where, all the long and lone daylight. Thou wovest dreams of Jov and fear Which make thee terrible and dear ' Swift be thy flight! Wrap thy form in a mantle gray. Star-inwrought. Blind with thlae hulr the eves of day, Kisa her until ahe be wearied out. Then wander o'er cltv, and sea, and la.. Touching all with thine opiate wand Come, lung Bought! When I arose and saw the dawn, I sighed for thee; When light rode high, and the dew was gone. And noon lay heavy on flower and tree, And the weary Day turned to her teat. Lingering like an unloved guest, 1 sighed for thee! Thy brother Death came, and cried, "Wouldm thou me?" Thy aweet child sleep, the filmy-eyed. Murmured like a noontide bee. "Bhull I ns He near thv aids? Wuuldst thou me?" and I replied, "No, not thee!" Death will come when thou art dead. Soon, too soon Sleep will come when thou art fled; Of neither would I ask the boon I ask of thee, beloved Night Swill be thine approaching flight. Come soon, soon! f -fsJ