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About Omaha daily bee. (Omaha [Neb.]) 187?-1922 | View Entire Issue (July 1, 1906)
unday Bee. WANT AD SECTiOii. Pages 1 to 8. Advartlaw In THE OMAHA DEE Best West VOL. XXXVI -NO. 2. OMAHA, SUNDAY MORNING, JULY 1, 1906. SINGLE COPY FIVE CENTS. TIMELY REAL ESTATE TALK Batio Batwesn Building Permits tad Baal IiUte Tranateri. BAD YEARS NOT A PROPER . BASIS Drprrtilti Time Whn Forelasnres Rated the Rales Shomld Rat B Caaaldered la the Preeent Coaaparteon. LURE OF THE WILY TROUT Ferfection of Anlin? in SoolaJei Lakes and Streams of Maine. PLEASURE OF FISHING IN THE WOODS When Omaha Real Estate Men Play They Generally Have a Real Picnic 5 ,(;'" 1 . . vs., No Great Itenety and etrlklna Chnraeter latlrs of Wild Trent-Klrat l.eaanna la Cantliia The Model Ontnt. i . ... at , 1 r The Omaha ' ""'"I Jl"" " 1 ass' V P. Dodge haa an. explanation for tha relation between the volume of real es tate transfers and building; permits In Omaha, for the last ten years, as shown by a table printed last Sunday In these columns. He says: "I see that some real estate man haa been puzzling over the statistics of build lug permits and real estate transfers and trying to explain the peculiar ratio be tween transfers and building permits dur ing the good and bad years. According to the table the transfers of real estate In show a total of $12,Oij0.O0O, whereas the building permits were about IDOO.OUO, and In 1K4, the best year Omaha has ever known, the transfers were only about $7,OCO,0C0 and the building permits reached a total of $4,0u0,0uo. I did not come to Omaha until ISw, but I understand that ISM was the worst yetir Omaha experi enced In the way of business depression, or at least was as bad as any year from im to 1808. In l&ifl the transfers were $13,000,001), and It Is a matter .. jommon knowledge that from 1893 TrtU 1898 Omaha real estate was more dead than the immortal smelt. The true explanation of the enormous total of real estate trans fers In 1896 Is that most of the real estate In Omaha had been foreclosed and sheriff's deeds were about the only transfers that went on record, and in theBe deeds the consideration was the amount of the mort gage plus the interest and costs; hence the consideration was frequently doubling the value of the property foreclosed. Prob ably most of the deeds that went on record In 1896 were sheriff's deeds, whereas today there is scarcely one deed a month. I be lieve that in 189 the actual sales would not total $2,000,000 and that of the $7,000, 000 of transfers In 19o5 there la not $600,000 of sheriffs deeds. If you want the best evidence of Omaha's prosperity and the difference between Omaha of 1896 and Omaha today, you need only look at the difference of the building permits, which were $281,163 In 1896 and $4,387,464 In 1906. There Is another reason for the real es tate transfers not being the best evidence of the amount of actual sales, and that Is that many sales give "$1 and other val uable consideration' Instead of the full amount Of the purchase price. The nom inal consideration Is sufficient for a valid transfer of property and It does not ad vertise to the world a matter that should be confidential between the parties to the transaction. If you will pick up an east ern paper you will see every day nearly a column . of transfers by warranty deed, and In every Instance the consideration Is Tl and other valuable consideration.' M The partly built Brandels building; Is proving en of the points of Interest to visitor In ths olty. As It Is known ae tha largest-retail store In this part ot t country, they don't Want to leave the without seeing It,. Neither are the cttls. of Omaha Indifferent to It, At any time I of day people can be seen standing on the corner of Sixteenth and Douglas streets watching the heavy steel beams as they are raised from . the ground and swung into place by steam hoists. The fact that every piece of steel was shaped right In Omaha, at the Paxton A Vlerling Iron Works, makes the process much more In teresting. Now that the steel Is placed for the first three stories, the rapidity with which these stories will be completed will be the next wonder of the people, provided material can be secured as needed, and there Is no reason now to believe it can not be. E. T. Heyden of the firm of Hastings & Heyden has Just returned from a trip through the east, with the firm conviction that Omaha Is the proper place to Invest In real estate. After looking over eastern cities of the else of Omaha, among them Albany and Syracuse, he has reached the conclusion that Omaha has too few retail stores and there Is a good opening here for more. Another observation la that higher rentals on residence property here offer greater Inducements to the man with money to invest. In the eastern cities owners are content with an annual rental of $480 on a building costing $4,800, while on a residence of the same cost In Omaha the owners get $46 to $48 a month. Mr. Heyden saw vacant houses In all the cities which he visited. Until building catches up with the demand here and the city h Some vacant houses, he said. Investments In houses will offer a high rate of interest. The Charles & Williamson company re ports Omaha city warrants are becoming a popular Investment In Omaha and the state. Tha company deals extensively, in these warrants and bought moat of last year's Issue, which runs In various amounts up to $100. Formerly the company sold these warrants almost entirely to national bank customers In the east, but In the last year many have gone to Nebraska In vestors. A recent sale was to a Lincoln man. B. J. Brown of the Transmissiaalppl drain 'company haa aold his residence at 210 South Thirty-fourth street to Mr. Stevens of Blair, who will come to Omaha to found a bank J. O. Kendls has bought a home at Twenty-second and Charles streets from the Byron Reed company. The considera tion was $1,600. Some recent sales of the Charlea E. Wll. llamson cempany: Two lets In the sub division at Thirty-third and Seward streets platted by the company, to Eugene M Hu l, for cottages for Investment; a quitter. acre lot In Elltalone Park place to Mrs, Laura Hartry for Investment: house and lot. North Twenty-fourth near Lake, to A- W. Sherman: auarter-acre lot In Elu sions Park plaoe to Oeorge W. Long for Investment; cottage at corner of Twenty- eighth and Howard to 8. J. Firestone, an eastern buyer, for Investment; half-acre lot In Elllstone Park place to Harry C, Hartry, en which he plans to build a fine home; two lots of an acre each to Mr. Ong of California for Investment. J. II. Pumont A Son, the yeungeet real estate Arm to town, reports the following sales for the week: The residence of J Frank Carpenter at. Twenty-aeventh and Parker atreets to Ted Sullivan for $6,600 five loti In block a. Rlvervlew Park addl tlon. for Improvement. $600; 240-acre lnv proved farm la Mills county. Iowa, $16,600. Two purchases last week of more than f-i lntsrest were thoae made by Fa!r .r &J r. V- $- ' r n"pr-- "M . banks, Morse A Co. and the Omaha DMly News. The Fairbanks people bought a lot 66x132 feet at the northwest corner of Ninth and Harney streets and will erect a build-' Ing- there. The Dally News bought the southwest corner of Seventeenth and Jack son atreets from J. F. Coad and promise to erect on It a modern newspaper plant of two stories, to cover the entire lot. 80x102 feet. LJst of sales made by Hastings & Heyden In June: Lot In Summit addition. Thirtieth and Frederick streets, to Martha Czer wlnskl; lot 3, block 2, Seymour's addition, to William O. Lock wood; lot on Madison avenue, just east of Sixteenth, to Police Sergeant Rentfrow, to be Improved; lot on Cass street between Twenty-second anil Twenty-third to W. H. McCord; lot In Military addition. Just north of Krug park, to Sophus Madsen; lot in Military addition to Theodore Madsen; acre lot west of Miller park to S. J. Stewart: two lots on Twenty-sixth avenue. Just south of 8prngu-, to M. B. Kendls, to be Improved; lot on Corby street between Thirty-second and Thirty-third streets to Edith' Rollins; lot In Military addition to XV. W. Nelson; lot 16, block 7, Dupont addition, to J. F. Bruce; house and lot. southwest corner Thirty fourth and Blondo, to Ellen J. Shields, for Investment; lot at the northwest corner of Twenty-second and Brown streets, to Wil liam Oorst, to be Improved; five lots Just north of Krug park to Byron B. Holmes; two lots In Military addition to John Me lowskl; house at 2006 Maple street to Alice 8. Forbes, for an Investment; three houses on Spencer street between Nineteenth and Twentieth to Judge Ferguson, for an In vestment, $10,600; lot In Military addition John Peterson; lot U, block B, Gram- sercy Park addition, to John Garrity; lot In Thomasson A Ooos addition on Thirty- second street, near Vinton, to Anton C. Larson; two lots In Military addition to Mary J. Mofire; fifteen acres two miles northwest of Florence to William C. Norrls; new house on Corby street between Thirty third and Thirty-fourth streets to Everett , Mofflt, for a home. H. H. Baldrldge and F. D. Wead have lot contract for excavating at Twentieth and Famam streets to the Partridge, Shelly & Thompson Co. They have received so many applications for second and third floor space that there Is strong probabil ities of the building being three stories high, as the plans In the hands of the con tractors call for only one story. Time terminated Saturday 'for receiving bids for grading of lot for the Real Estate Exchange building at Eighteenth and Far nam. The houses have been sold with guarantee of remove,! before thirty days. NEBRASKA IST0 THE FRONT Gives Mora to Relieve Japanese Tha a Any Other State Wlthont Bad Cross. With tha atfirla ieentlon of Pennsylvania Nebraska made the largest contribution of any other state not having a Red Cross organization for the relief of famine vic tims In Japan, to whose aid support was called from tha United States by tha presi dent. During the recent famine In Japan .Presi dent Roosevelt called upon tha - governors of ths different states of the union to ap point suitable persons to receive contribu tions for the famine relief fund and for ward the same to ths American National Red Cross society for distribution to tha famine sufferers through the Japanese Red Cross. Governor Mickey appointed Rev. F. M. Sisson of South Omaha to receive sub scriptions from this state. Dr. Sisson haa Just received from Secre tary Mage of the American National led Cross tha following letter, which Is self explanatory: THR AMERICAN NATIONAL RED CROSS HEADQUARTERS, ROOM K41, WAR DEPARTMENT, WASHINGTON. D. C. June 27 Rev. F. M. Sisson, 21 N street. South Omaha, Nab. Dear Sir: I have to acknowledge receipts or your let ter of June It. enclosing a draft for $, rep resenting additional contriDutlons received by you for the Japanese famine sufferera. This is your seventh remittance, the total amounting to I1.0BS.7. Thla la the largest amount received from any state (with the exception of Pennsylvania) not having an organised Red Cross branch. The American National Red Croea wlahea to expreas through you to the cltlsena of Nebraska Its sincere appreciation of their generous contributions, and also wlahea me to expreas its araUtuda to you per sonally for your klndneaa In receiving and forwarding theae contributions Tha Red Croea has forwarded to the Japanese Red Cross to be expended In the relief of the famine stricken people of that country $3rt6.ii66.8T, which Included every cent con tributed up to the dale of the last remit tance, nothing being deducted from tha contributtona to meet the expenaee of poet age, cahlecreme, ete. Very sincerely yours, CHARLES L MAGEE. Secretary. Raster's Baad at Rlvervlew. Huater's concert band will give another program at Rlvervlew park Sunday after noon, starting at $ o'clock. It being, of course, entirely free to the public. Follow ing are the selections to be played: March Hohen.ollern fnrath Overture Zampa Herold Valae New Vienna Btraus Intermesao lola Johnaon Seiec tlon Forty -hva Mlautea on Broad w ar Cons a Oavotta Royal , Heh My Roaary Nevin Medley The Heart of America- Hall Overture Raymond Thomas Karama A J awn loo Serenade Orev VaUe Night Larks Zlehrer March tial In Una Bean tun l 'r f- - V EXCITINO NAIL. URIVINQ CONTEJST. TWIN FALLS TRACT A WONDER 0ns of the Irrigation Faradisei in the Snake River Valley. IDAHO SECTION WHIRE FARMING PAYS Project la Which Government and Private Intereats are Concerned and Where Retaraa are Certain. TWIN FALLS, Idaho, June 24. (Special Correspondtnce to The Bee.) The land tlili et with which the farmers In the con gested agricultural sections of the east and middle west seem to be afflicted s attracting them to the thirsty lands in the arid regions of Idaho watered by the serpentine Snake river. This remarkable stream flows through the state of Idaho for a distance of more than 1,000 miles. It irrigates nearly 1,000,000 acres of land and will in a few years irrigate as much more When all the power sites on the stream shall have been developed the Snake river will generate more than 1,000,000 horse power. Electric power plants, several or which are already In operation ' and many more In course of construction, are scat tered along the stream from Its head to Its Junction with the Columbia. Within the past few days a company with a cap ital of $10,000,000 was formed to develop 600,000 horse power at the Twin falls, Shoshone falls, Auger falls. Upper and Lower Balmon falls and Malad falls, all within a radius of forty miles. Land seek ers f rem all parts of the country are flocking into the Snake river valley and values are Increasing at an amazing rate. The upper Snake river valley In Fremont an! Bingham counties, Idaho, has been settled for years, but it is only recently that land values began to soar In that section. The boom. If such It may be termed. Is due to the erection of two huge beet sugar factories, which paid out to the farmers In cash last year upwards of $760, 000. The land upon which the beets are grown is also particularly adapted to grain. Oats grown In Bingham county weigh heavier than the product from any other section on the globe, excelling the New Zealand product at the St. Louts fair. Land values In Bingham and Fremont counties average from $100 to $200 an acre for cultivated and Irrigated ground, and i are amply Justified by the returns obtained. A farmer who understands his business will grow twenty tons of beets to the acre. The factories pay $4 50 per ton and the coat of growing does not exceed $2. Work Wow I'ader Way. At Blackfoot, Bingham county, the Snake river goes dry every summer. A few miles Deiow that point immense springs rle and maintain a constant flow during the en tiro year. These springs are supposed to come from what is known as the Lost rlver- "Yearns which disappear In the lava desert. They furnish water for the irrlga- tlon of the Minidoka tract, which Is being reclaimed by the government, and the Twin Falls tract, which' has been irri gated by the Twin Falls Land and Water company, under the provisions of the Carey act The Minidoka tract embraces about 40,000 acres, all of which haa been homesteaded. The soil - Is rich and deep and will be Irrigated next year. In order to insure a water supply for this tract during the dry seasons, however, the gov ernment will be obliged to build retain ing works at the headwaters of the Snake, as the Twin Falls tract holds a prior right to that of Minidoka, and will use the en tire flow ot tha river during the months of July and Auguat. The construction of these retaining works would enrich south ern Idaho by many millions of dollars and would eliminate the constantly Increas ing litigation over water lights superin duced by over-appropriation. It would re sult In the reclamation of a vast acreage which Is not now susceptible of Irrigation because of the lack of water In midsummer. From early spring until the last week In June tbe Snake carries sufficient water to Irrigate many times ths amount of land In Ha valleys. Railroads Involved. Tha Twin Falls project Is ths largest and most compact Irrigation enterprise In America. If not In the world. It covers 170,000 acres, of which $40,000 acres have already been reclaimed. This portion Is located on tha south side of the Snake river and Is traversed by the Oregon Short Line railroad. The road leaves tho main Una at Minidoka, cuts through the Minidoka traot, crossing the Snake river at Burley and extending westward to Buhl, a new town seventeen miles west of ths city of Twin Falls. Surveys are now belnc mads between Kelton. Utah, at the northern end of the Great 8alt lake, and Burley, Idaho, for tha purpose of builldlng a cut-off be tween those points. Tha road will then be cloaed between Buhl and some points on ths main line near Nam pa, thus reducing the distance between Salt Lake City and Portland about 100 miles and making- what la now tha Twin Kails branch between Burley and Buhl tha main Una of tha sys tem, ths Chicago Northwestern Is building westward through Wyoming Into Fremont county, Idaho, and although nothing official regarding tha rout of this - ; m road bf-yond the Idaho boundary has been announced, it is believed that It will fol low the Snake river valley Into the Mal hfur country In Oregon and build to Coos bay. The Milwaukee is surveying a route through the undeveloped section of Idaho to Lewlston, and has already obtained per mission from congress to bridge the Snake river at the latter point, and has also purchased considerable land there. It la not believed that the Northwestern will parallel the Milwaukee, but will go through territory where tonnase Is to be obtained. Sale of Twin Falls Land. On the Twin Falls tract 110,100 acres of land is under cultivation this year and the crop prospects are excellent. The water supply Is abundant and the unusunlly heavy rains have bepn very beneficial. The lnnd under the Twin Falls system was segre gated by the government for the state un der the provisions of the Carey net and Is sold by the Twin Falls Investment company at 60 cents an acre, the price fixed by the act. The settlers pay 25 cents per acre at the time of filing and the balance when final proof Is made. Water rights cost $25 per acre, p' "able $3 per acre at time of purchase, $2 per acre at the end of the third, fourth, fifth, sixth and seventh years, $2 at the end of the eighth and ninth years and $4 at the end of the tenth yenr, with Interest on deferred payments at the rate of 6 per cent. The purchaser has the privilege of paying In full at any time. Sev eral farmers paid for the land, water rights and Improvements with the first year's crop. One farmer, who put his entire forty acres Into alfalfa, aold his crop a few days ago for $50 an acre, the ourchaser to cut and Irrigate tile Hold-fo-tlreet of the year. It Is estimated that this field will yield seven or eight tons to the acre. Other farmers last year grew thirty-five to fifty bushels of wheat to the acre and sold the r product for $1.50 a bushel. Rven better re turns were obtained from oats. Corn thrived wonderfully and splendid yields of peanuts and sweet potatoes were secured. Thle year experiment with sugar beets are being conducted and excellent results are being obtained. Farmers Well Looked After. Experimental farms are located at Twin Falls and Buhl, on which nearly every va riety of grain nnd grass grown in the tem perate xone are being tested. Irrigation methods are demonstrated on the farms, which will be maintained until the experi mental state has been passed. The com pany employs farm instructors whose duty It is to see that no mistakes are made. The Instructors visit the farmers, show them how to water their land and plant their crops and render them such aid as Is re quired. The farmers are organized Into eight associations and these associations are combined into a federation. The asso ciations meet every week. Entertainment programs are arranged for each meeting and the young folks are encouraged to at tend. The farmers compare notes, proflt- ing by each other's failures or successes. and the agricultural superintendent is usu ally on hand to deliver addresses on se lected topics. Every feature of farm life Is covered and the results have been very I beneficial. The farmers are beginning; to appreciate the value of scientific application in their work and the social feature, so es sential In Irrigated districts, is being suc cessfully worked out. Where farming is done by irrigation every man la his neigh bor's keeper, and great care Is necessary tn prevent friction over the use of water. The associations bring the farmers together and enable them to obtain a clearer under standing of each other's rights. The boys are given a course in agricultural training equal to that obtainable in any college. Elementary agriculture . is also taught, in the public schools, the children being en couraged to study plant growth and con duct simple experiments In Irrigation. Fruit la tha District. Winter apples, plums, prunes and peaches have been grown for years by farmers whose lands are under the Twin Falls system at Rock Creek. Perhaps the best fruit In America Is grown at Blue Lakes, three miles from the city of Twin Falls, by I. B. Perrlne. who has won grand prizes at Paris, Chicago, New Orleans. Omaha. Buffalo, St. Louis and Portland. Forty acres is about ail a farmer can handle. Labor Is scarce and it is almost Impossible to engage experienced irrigators. These conditions will change in time, but the average farm unit will soon be forty acres or less. As a rule the young farmers from the east take kindly to Irrigation. It Is something novel to them, but once they understand that water will not run uphill and that land must be properly graded before Irrigation they make rapid progress. Tho first thing they are told Is to forget everything- they ever knew about farming and start all over again, with irrigation as the cornerstone. They are beginning to understand that alfalfa is the greatest fer tilizer known to agriculture and that by mixing brains with water and good soli they can obtain wonderful results. Crop failures are unknown In the Snake river valley and the climate Is as near perfection as could be desired. O. u. FRASER. Held for Brass Caps. Frank Flynn. arrested by Patrolman Herald at Fifteenth and Burt streets. Is being held at police headquarters tor in vestigation. When arrested Flynn was car rylng twelve new brass lubricating cups bear tha name of the Buckeye Braas works. liayion. o., ana ins police would like to hear from anyone missing such articles. mad'a" their"".."."""1 tW luloa' v." r -v V -. I START OF A RED IOT RACE. MAKING PROGRESS SLOWLY Obstacles in the War of a Eapid Uplift in San Frurcisco. THREATENED SCANOAL IN RELIEF FUND Jarrlna; mote Concerning Hint rlhntton of Humanity's Bounty fireat Activity In oavenlra and "Illlnd rigs." The new San Frnnrlsco is not rising from the ashes as rapidly ns the people ex pected. Temporary shelters are multiply ing rapidly, but general progress of a sub stantial character is aggravating slow. The chief obstacle, as noted In the dis patches, Is the determination of Insurance companies to reduce their lossps or con test them. Practically all Insurance com panies are united for a reduction. The difference Is In the methods adopted to rench that end. A majority of the com panies Insist on a 26 per cent reduction. These are dubbed the "slx-blt companies." The remaining companies propose to pay dollar for dollar. It Is noted by San Fran cisco papers, however, that the do!lar-for-dollar companies, while publicly professing a square deal for all, are diligently seek ing proof of earthquake losses on which to base contests for reduction of claims. Tbe large sums tied up in the Insurance squab ble, Involving all property owners, neces sarily retards rebuilding In every direc tion. ... Another feature of the situation Is the scarcity of labor, skilled and unskilled. One of the directors of the Builders' ex change explilns the sltuntlon In these words: "At present the greatest demand Is for plasterers, brick masons, carpenters and hod carriers. The prevailing wage for plas terers and brick masons Is $7 per day of eight hours, and from $4 to $4.50 for hod carriers. Carpenters are paid from $4 to $5 per day. As yet there is no great de mand for lathers, stone masons or painters. As the temporary structures now going up are celled and not plastered, lathers are not generally employed, and rtiere is no Stone work." Snarllna; Abont Relief Funds. The distribution of relief funds invaria bly develop scandals, and San Francisco will not be an excentlon to the rule, if credence is to bo given the assertions of nearby observers. The Ban Francisco cor- respondent of the Oakland Tribune writes: "Already rumors are afloat dealing with discrepancies In the accounts of the finance committee. Instead of formally contradict, Ing these stories or offering evidence to prove their Inaccuracy, the finance com- mlttee Is devoting Its energies to ways and means for the distribution of a large per- centage of the money entrusted to its care among high salaried employes. 'Meanwhile prominent downtown mer- chant, who have not received payment for goods delivered at the request of the committee, declare they will sell nothing more to that body, save for cash. This Is certainly a lamentable condition of affairs. "The proposition to pay three inexpe rienced men salaries of W.000 a year each to see that this money Is properly - mis appropriated la an Infamy. Owing to the superior Incompetence of the various per sons named for these Jobs, it would be necessary that they be supplied with a corps of asslstsnts able to do the detailed work The salary roll for these assistants would eat up, say, $20,000 a year. So you see the paid employes would consume In the neighborhood of $60,060 a year of tbe relief fund before tha victims of the dis aster, for whose sole benefit the money was so generously contributed, could get a 6-cent piece." ' How It Looks to mm Eastern Man. Joseph Calvert, vice president of ths Commercial National bank of Chicago, re cently returned from San Francisco, throws some light on business conditions at the Golden Gate as he observed them. It appeared to him that fully 60 per cent of the population of the stricken city had moved away. The salaried people In lines of mercantile business have found It necessary to seek employment elsewhere, and they have gone north and south along the coast, and some have come east. San Francisco has also lost its trade with Alaska. That has gone to Seattle. Its trade with central and southern California haa gone largely to Los Angeles. Its northern trade has gone to Portland. Seat tle and Tacoma. As to what is left, and the outlook for the future, he says: "But the city has left one of the finest harbors in the world; It has Its docks un injured. It has Its railroads, and it has good banks. - With these primary condi tions the city is bound to grow. The talk of rebuilding It In a year or two, though, appears to ms almost Idle. It is not a caae of acres of ruined buildings, but of miles. The business section will be re built. San Francisco has a great many rich people, and It Is these who will re construct ths business center. They ware the owners of the fine office and mercantile structures and they have determined to ' nv new Ban Francisco. As to the oansing luuiuun, men is no uciuaua iot 1 money. Tha banks have more deposits now. a a whole, than before tha nra. Ths i. 1 -v rf v . t T J Insurance companies, foreseeing largo loh.es. deposited large sums In New York and In London to the credit of the San Francisco Institutions. Again, San Fran cisco merchants found their customers out side the city paying bills freely, presum ably on the theory that the money might be needed. As an Illustration of the con ditions of the best banks. I found that one had $24.0O,00O In deposits and $'0.0,0o In cash. But as $6.000,00 of the deposits were controlled by an official of the bank there was In reality $.0,000,000 cash to pay $18.(00,000 deposits. Some of the savings banks are In a little different position. They are, however, able to protect them selves, owing to a state law which makes a savings bank the agent of Its depositors. It Is discretionary, therefore, with the bank to pay deposits or to say that the de positors shall wait until money due the bank can be collected. The savings banks are allowed by law, In California, to lend 40 per cent on real estate. If any Insurance losses are collected, therefore, the savings Kanks are In good position to collect their loans." Profit of the "Tlllnd Plsra." The most profitable business In San Francisco since the disaster has been the "blind pigs." Most of them operate under the "original package" law with a federal license, and In one Instance a local court decided they could not bo Interfered with so long as their bottled goods were not opened and contents drank on tho prem ises. "I sell an average of sixteen dozen quart bottles of beer and five gallons of whisky every day," said a Msrket street dealer. "The beer costs me $1.20 a dosen bottles. I . sell it at 25 cents a bottle, or 10 cents a glass. By the single glass I naturally make a v greater profit. But saying that I sell nothing; but entire bot tles, you will see that I dispose of 192 quarts of beer a day. At 25 cents a quart I take In $40. The beer costs me $19 20. That leaves me a profit of $28 on the beer alone. I pay $1.50 a gallon for my whisky. Five gallons means twenty-five bottles of I hlsky. Each bottle contains thirteen drinks. That makes a total of 325 drinks At 10 cents a drink I take In $32.60. Tho whisky costs me $7.60, so my profit on It Is an even $26. Add that to $28.RO, that I clean up on the beer and I have a total profit of $53.80 on the day. That Isn't so had In these hard times. Is It?" Chinatown "onvenlra. When the placards forbidding rummag ing among the ruins on pain of being shot were torn down there was a rush to the """ened site of Chinatown for relics and uvenlrs, and the debris was stripped c,ean of Cha. and bric-a-brac that had been "carred by the fire. Small boys adhered this rubbish In baskets and i hui7'e1 t0 Market street to set up a barrel ' I Th tourists bought these souvenirs w.th "uch av'dlty th,at the bona flde 'oc h"ted. Then the canny youths i collected scraps of china and glass and ! tAA an, A A . . I 1 . " JU"", unorunea j d l'tTci'- ' ' ald thl ''ock "a. readily converted in o souvenirs. nawnci ujai were uiacKenea uy flame brought more than they would In their original state of perfection, and rusty hardware that the fakirs bouhgt In the Junk yards for old Iron sold for five times its original worth after fire had scorched It. About the only things that were not offered on sale as souvenirs were bricks. Lumps of melted glass sold for what their weight would be worth In copper. Nails and spikes of all sizes sold for 6 cents each. Empty tin cans that had been melted out of shape brought the same return, and so did Chinese coins of In finitesimal value. In these various lnrustries hundreds or rather thousands, were reclaimed from destitution. Some were on abled to hire tents, and continued their careers as merchants in more pretentious quarters. After the first dis position to sell souvenirs came the great demand for food and soft drinks. The visiting army of sightseers created this de mand, and the commencement of work on a large scale In removing the debris con tinued It. WOODMEN WILL BUILD ANNEX Order Will Carry Ont Plaa, Kow that Tax Controversy Has Been Settled. Pursuant to Its plan announced some time ago, when its reserve fund was aln.ut to be taxed, the Woodmen of the World has decided to build an addition to its present headquarters structure at Fifteenth and Howard streets. The addition will be live stories high and half as large as the pies ent building. It will bo Joined on the enist. It will be composed of brlrk, Iron and stone, covering a space 33xi32 feet in dimensions and costing about $50,000. In addition to this building the old one will be renovated. The Increase In busi ness of the order, whose growth has been going on at a tremendous rate, makes more room necessary. Faaoral of Edward O'Brien. The funeral of Edward O'Brien, brother of Tom and James O'Brien, was held H.t urday morning. Father McLaughlin con ducted the service at St Peter's rhurch, Twenty-eighth and Lravenworth stret-u Ths burial was at Holy Sepulcher cemetery Tha pall bearers were J. P. O'Ketfe, l. J O'Brien. J. J. Sullivan, Edward RUey Thomas F. Maloney and T. F. DuAv. Wilderness fly fishing In northern Mama Is now at Its best, and canoes of dtvoleis of the sport are minim; the calm surfai of many a secluded lake and stream, and their catupfires are Illumining the darkness of the mysterious forest. The charm of the life In tho woods which tho sport offorda Is In n large measure accountable for its rapid imi-iHse In popularity, for the real Joy of fly fishing Is to fish for wild fish. The wilderness Uy fisherman Is dealing Sith a fellow who knows bis business; who keen, alert, wily, experienced. It Is tho kfenness of pvcivpilnn of the wild trout tluit Is his striking characteristic, and com bined with his groat ls-auty and table ex cellence this makes him tho king of Inland fresh water gamo lish. Tho Mark bass Is far more dogged and determined a fighter, and his vicious leap into the olr is thrilling, but his dullness in distinguishing between natural nnd artificial Hies disgusts the angler. The landlocked salmon Is the pret tiest nnd gamiest of fresh water lighters, but he does not rise readily to the fly, not being naturally a surface feeder, and when ho does rise theio is, as with the bass, ample time to strike. It Is not so with the trout. The moment he takes the nrllfiolnl fly between his lips. Just that moment be knows that he h is been deceived and discards It, and the lime which the fisherman lias to fix the hook is but a fraction of a sicond. nt the moment the trout breaks. A fraction of a second Inter may be too late. In addition to this, no matter how attrac tive or seductive the lure, It must do thin, In a natural way. When you find a Ivg trout rising from time to time near a b.nuii of Illy pads at the Inlet of the pond siudy him carefully. You will soon discover that ho only rises at rare occasions, usually once or twice, at early morning or late evening. Fnatldlooa l'lsh. The big fellows lake but llttlo surface food, merely an appetizer, or perhaps for the sake of old association or habit, and they aio In consequence exceedingly fastidi ous about what they tuke and how thoy take It. So you must find out what the bl trout Is taking and how that fly alights, and then make up your cast with a Uy which at least suggests the morsel uf which tho big trout Is fond. Then try for him, and try early, try late, and try often; Just a few fifty or seventy foot casts at tho proper time and In the proper way. More, if you wish, but half a dozen at the most should suffice; In fact, you might as well reel In after the third cast If there has not been a response; If the first cast Is right and the fish Is ready the problem Is solved. Above all be careful not to prick the fish or hook and lose him, for If you do you will .have, to vait. until another year and then find hlra more difficult to take than ever. If you are fishing In quick or running water, the flies must bo cast above and al lowed to float down naturally and with" tho current, past tho retreat of the big trout. Nature sends their food In this way, and either Intuition or caution makes it utterly out of the question for them to con sider flies which dart upward against the swift current, zigzag across It, or do other unnatural things. When fishing for trout lying nt the mouth of a cold stream empty ing Into a cold lako or river, c;ut up Into the stream and draw the files down slowly. If you find a bunch of big fellows lying beside the shore, under overhanging branches, and rising from time to time, watch carefully, and you will see that thoy are feeding on Insects which first light upon tho bushes and then fall Into the water. If you would lure them forth make your cast do as the real files are doing; light upon the bushes, rest there for a moment. and then drop gently to the surface of the water. If you do not believe this care Is necessary make a few casts direct upon tha water and note the result- Caro in Castlngr. Generally speaking, a cast should alight delicately upon the water and be drawn slowly In, keeping the files upon the sur face. Thla is the dry fly and la the usual cast when trout are rising. When the fish are not rising well, the wet fly may be resorted to; a cast drawn very slowly along an Inch or so under the water. These are ordinary coats, but the excep tions already noted are not the only ones, and. when to observe them is a matter of Judgmentt For instance, when the natural flies alight heavily and flutter vigorously upon the water, let your files do the same. When millers are numerous, alighting to rest for a fraction of a second and then fluttering on to alight again, try tho trick with your cast. Imitate the hopping fly when It la about; the Insect which Jumps up and down at one point. Have a few fllos tied backward, that is with the head at the bend of tho hook, and, at times, the unusual actions which resistance to tha water causes this fly to make, will prove Irresistible. Never try to Imitate the sluggish Juno or trout fly which alights upon the water and waits patiently for the trout to gather It In. When the fellow Is plentiful hang up your rod and climb a mountain or visit a deer pond, or else make up your mind to fish and be satisfied with small creels. These Insects come annually in great num bers, but fortunately last only a few days, and while they Invariably spoil the fishing they demonstrate very clearly the truth of what has already been said. These flies simply glue themselves to the water and It takes the wily trout only a very short time to discover that there Is no occasion for haste, and when they reach this condi tion of mind the artificial fly is useless. As a mutter of rx.i-rlment one angler went so far as to tie up a number of files which were perfect replicas of the June fly, but they were useless. Then he wound them with cork bodies and weighted tho tips so they would sit upright on the waltr, exactly like the real fly. The trout saw them, to be sure, but a moment's examina tion was enough. They did not even take the trouble to touch them. Dependent on Conditions. Remember also, that there will be other times when the trout are not rising freely, for all fi.ihlng, and fly Hilling In particular. Is di-iiident upon conditions. The water may bo too high or too low, too cold or too warm, too still or too rough; the day nay be too dark or too bright, and no end of complications are poosllilt.- an to the earll uess or lateness of the season, the direction of the wind and the f jllness of the moon. Fly casting is in itself easy to acquire. It is merely a quick motion of tha wrist and forearm, not the entire arm.