THE OMAHA SUNDAY BEE: PECEMBETt S, 1007.
BANKING NICM AND DAY
VFeatnret of an Institution Open Every
Hour of the Twenty-Four.
(QUICKLY PROVES ITS USEFULNESS
arle4 Bnslneas Iitrrnta of New
I York Which tk Ifovel Bank
Serven Melheu an Ro
ll I ' mur ( Operation.
!
The' Night and Day bank, started In
ew York City a little over a yar ago,
attracted much attention at the time, be-H
' fauna of the novelty of a bank open every
hour of the twenty-four. That It tilled a
long-felt want la shown In steady business
' growth, having at the present time 1,780
depositors and over $3,000,000 In deposits.
A correspondent of the Boston Tran
' script, who Investigated the business and
methods of the bank, gives an account of
his observations which will Interest bank-
era who are content with Ave or six hours
f the open door daily. In part, he says:
The Night and Day bank building- Is at
' the corner of Fifth avenue and Forty
) fourth street, a location chosen with much
care, and finally decided upon because It
, Is central to all the varied Interests to
I 'which the bank makes a particular appeal
theaters, hotels, restaurants, the shopping
district, and Is close to the Grand Central
station and Its hundred thousand dally
commuters, and will also be near the new
Pennsylvania terminal when that building
Is opened. The land, at the time of Its
purchase In 1906, brought the record price
outside of the Wall street district, and
the eleven-story building of white marble
Is a perfect example of the highest class
of modern office building. Its exterior is
almost severely plain, though the entrance
Is marked by two unusually beautiful
Doric columns. i
The bank occupies the ground floor and
the basement, and the upper floors are let
to various uptown branches of downtown
establishments, Inotudlng "diamond mer
chants from Maiden Lane." What a fas
cination there is in these words! They
sound' so little sordid, so eastern and so
old English, and the tales they tell at the
' bank of the transfer of fabulously prlcetul
gems In a llttlo room ofT the safe deposit
vaults, set apart for this purpose, lighted
by prisms In the sidewalk .under the ft
of the unthinking pasBer, 'make the eyes
glitter and the mind return to Aladdin's
cave. Not long since here was sold one of
the world diamonds under the tread of
three dollar shoes. In a street . which was
not, fifty years ago.
Romantic! Tes, but it Is not pleasant
to find romance In modern business? In.
deed, while their bank is, of course, run
on thoroughly business principles and Is a
thoroughly business success, there Is
something about It, the very name, which
somehow appeals to the other side, too;
and makes both the building and the sys
tem more than generally Interesting to the
ordinary person who Is not a banker.
Three Shifts a Day.
It was because conditions seemed to de
mand a medium of exchange for the Im-
menBe volume of business done In Now
Tork after the usual banking hour that
the Night and Day bank was planned.
Tradition and the business habits of years
had to be overcome, as yell as the prob
lems of arranging practically three banks
In one, that uninterrupted service might
be had. This service is arranged as fol
lows, and has proved thoroughly satis
factory: There ara three complete forces,
each working eight hours. Each shift Is
in charge of an assistant cashier. This
officer, In such hours as are not covered
by the president and cashier, Is the acting
head of the Institution.
The day starts at 4 o'clock in the after
noon, as far as the bookkeeping of the
bank Is concerned. At that hour receiving
teller No. 1 takes charge In the receiving
cage, and paying teller No. 1 In the paying
cage, remaining on duty until mtdnignl
On this shift an assistant teller Is neces
sary In the receiving cage to take care of
the deposits that are offered. The- second
shift takes charge at midnight and runs
the bank until 8 o'clock In the morning.
From 8 a. m. until 4 p. m. the tollers
are known as Receiving Teller .No. S r.nd
Paying Teller No. 3. On this tour the extra
help is required in the paying cage.
v Teller No. .8, at 4 o'clock, makes up the
day's proof Including the figures carried
over from Teller No. 1 and Teller No. Z,
each of whom has been required to prove
his own work.' There is also Included the
report from the teller of the women's de
partment, which Is' run with a distinct
force In rooms of Its own, between the
hours of 9 a. m. and f p. m. Each paying
teller has his own cashbox and is held l -sponsible
or its contents.
Ax hr as the business of the public
xr'si: Ui bank is concerned, there Is no de
FcrUiw from the calendar dates. A check
which Is duted September 80 is payable
any time after the midnight, which marks
the beginning of the calendar day, and not
one minute "before. An obligation which
Is due on September 80, and not paid on
that date, is protested In usual course, as
It would be at any other bank. Sunday is
observed by closing the bank at midnight'
of Saturday and opening at Sunday mid
night. Legal holidays are kept in the
same manner.
The changing of hlfts Is so easily done
as scarcely to attract the attention of the
ordinary observant customer. The man
who comes in at one minute to 4 o'clock
transacts his business with Teller No. 8,
at one window; and the man wlio comes in
at one minute past 4. simply steps to
tte next window, behind which Teller No.
1 Is standing at the beginning of his day.
Teller No. 8 has closed his window and
Is at liberty to take as much time as Is
necessary to make hla proof undisturbed.
The rooms provided for the exclusive
use of women are only open from 9 In
the morning to t at night, the natural
and convenient hours for household and
' shopping purposes. But should any
emergency arise irf which a woman may
wish to deposit or draw, this la provided
for by a duplicate set of signature cards
kept In the mat banking room, so all she
has to do la to apply there, as at tny
bank.
Depositing; Opera Jewels.
Speaking of the women's part In this
bank (surely eaterlng to women shows
"canniness") thoracis a rather interesting
and amusing tale a true one. When the
bank was first opened there was naturally
much curiosity about Its purpose and
plana, and more or less newspaper talking.
- It was rather idly given out, among other
things, that women who kept their Jewels
In tbe safe deposit vaults should stop at
tha bank on the way to the opera, put
them on there, go to the opera, return to
the bank, and deposit them. This had
never been done, and it was thought rather
unlikely It would be. But 10 and behold!
the "power Of the press," and suggestion.
Immediately after the tale appeared In the
papers, women did.show up and do this!
and have continued to do so, to a certain
extent.
On thinks of New York as a city of
Venders In the afternoon and evening,
.rather than of savers; but It also saves,
for the Night bank has found that many
tiroes as much money Is deposited with It
during these hours as is drawn out
' Among these depositors aj-e theaters,
hotels and restaurants In grsat numbers.
It la estimated that over f&OO.OOO paw,
nlanttv. lu cash aver the hotel and res-
taurTNWounters of New York and 1104.-
04 and more through the theater rcz
office windows. It has been found that
most of these places like to get their cash
"out of the way" for the night, and for
this the Night bank has been found most
convenient. Also the big department stores
show a larger per cent of sales In the
afternoon, and many of them make use of
the continuous bank for their deposits. Of
even more Importance Is this safe late
depositing place for small tradesmen and
the like, who have seldom proper facilities
for protecting their money over night.
To these a night bank Which will handle
small accounts is of Inestimable ad
vantage. Collecting with Antomohlle Safes.
In collecting their cash the bank mikes
use of automobile safes a rather Inter
esting sight as they chug about the
streets till 1 o'clock In the morning. These
meet the trouble that all banks have In
collecting large amounts, at great risks,
by hand of messenger. The cars are built
on a special design, equipped with a fire
proof and explosive proof safe, fastened
to the chassis. Two men, a chauffeur and
a messenger, go with the car. When the
messenger Is out of his oge the car Is
"dead." and cannot be started by the
chauffeur until the messenger returns to
his place. s
The bank's customer locks up Ills de
posit In an Individual safe deposit box (pro
vided for him by the bank) and the messen
ger drops It Into the safe through a shutter
opening. He can drop the box in, but he can
get nothing out of the safe until It Is un
locked by a combination, the mechanism of
which Is detachable and Is kept at the
bank.
The deposits of restaurants, theaters, and
the various chains of stores operated by
concerns that carry their accounts In the
Night and Day bank, are taken up in this
way and the car is also used for sending
out payrolls as called for by depositors.
It was a pleasant and rather awe insptr
Ing sight, to watch these things drive up
and unload; then to go Into the bank and
see them opened; making guesses as to
what each little leather-covered tin box
would produce. One or two of them that I
saw certainly produced "wads," some only
a small package and much silver.
Another field In which a bank that is
open "after hours" fills a recognised want
Is in providing means for prompt remittance
by cable. The same sort of thing applies
to telegraphic communication with the west
of our own country. In ordinary procedure
if the need to transmit funds arises after 3
o'clock in the afternoon, there Is no means
of effecting the transfer until 10 o'clock the
following day; which means receipt of
the cabled draft In London, or on the con
tinent, after 3 o'clock In the afternoon, ow
lng to the difference In time. Then there
Is the necessary wait until 10 o'clock on
the morning of the second day before the
funds can be drawn at tho foreign bank.
The depositor .at the Night and Day bank
can have tils remittance cabled at once, so
that it will be In hand on the opening of
banks abroad at 10 a. m., the first day
a saving of full twenty-four hours.
A "Jollier" There, Too.
The bank Is making an effort, which Is
meeting with much favor, tojjring back the
personal side of banklng,'"BO to speak the
friendly, "old-fashioned" relation between
the banker and client. There Is at all times
present an officer who Is for the time the
actual executive, who is willing and glad
to "talk over" things with tho customer
and discuss any matter of investment the
management believing that there Is much
to be gained on both sides by the Individual
relation, not purely that of corporation with
corporation and certainly this atmosphere
of personality was very evident and agree
able, even to a casual visitor there was not
the. so frequent in many business places,
atmosphere of ."being over and done with
it" as soon as possible.
Of course a certain type of business man
might say ' this Is not business. But the
books of this bank certainly show busi
ness, and if the other things" show, too,
why is it not betterT It is possible that
some busy men may like to breathe once
In a while, equally possible that their busi
ness may be all the better for It. Surely
this sort of thing requires a large force as
well as a peculiar tact to know when to
quit, but it Is agreeable to find an establish
ment which employ them. V
"EASY" IS MILD TERM
How Titled SoM-la-Law Makes
an American Fortsne
Sweat.
Eugene Zimmerman of Cincinnati has
been a very successful man as success Is
estimated ' in this country. , Through a
long and busy lifetime he has amassed
between 8S.O0O.OOO and $15,000,000, and, he
fairly represents thaestaMlshed type of
hard-headed, practical American business
man. It is not presumed that in the early
years of his struggle for wealth Mr. Zim
merman thought much about dukes and
other royal personages, for he had noth
ing in common with titled aristocrats who
had no money to put into his enterprises.
Mr. Zimmerman became recognised as one
of the greatest organisers and developers
In Wall street. He was a student of men
and he won In the game of SDeoulation.
Yet this giant of finance who had mt
and beaten many a big competitor In the
battle of brains was himself worsted h
a small. Insignificant young profligate from
England, who by an accident of birth was
the duke of Manchester. This poverty
stricken sprig of nobility met Mr. Zim
merman's daughter and found that she was
tne sole heiress of papa's millions. Before-
the father could catch his breath the
engagement of the young people was an
nounced, and the Cincinnati financier prob
ably exclaimed under hls breath "stung!"
After a long and romantic attach.
ment," and the usual announcements by
DOin mat "11 is a marrlaire for love."
wedding took place. The duke w.
deeply In debt-that he had to sell some
or tne family portraits to get enough
money for the honeymoon. He made a
great hit about this time bv .v,-iuimi
rapturously; "I love my wife and would
nave married her under any circumstances.
I have asked for no dot, no dowry, no
marriage settlement. We will try to get
along on what we have." As he had noth
ing at all. It can be Imagined how long
the two would have lived if it hadn't been
for Papa Zimmerman.
FYoru the day of the marriage Mr. Zim
merman of Cincinnati has been pouring
his good money Into the rotten tr. r
the Manchester. He has bought two
castles and paid debts until his generous
old heart ached. When the duke got a
Job at court which paid 85.000 a year for
doing nothing twenty-nine days a month
there was hope that he could hold It. But
he couldn't, for hla one duty called for
his signing a set of papers once a month,
and hs was too lasy for this. Now there
Is trouble in the family and the usual
talk of divorce, and presently another
victim otdomestic Infelicity will probably
com back across the Atlantic to rest In
her father's arms. Mr. Zimmerman will
take car of his daughter, all right, but
he will do some thinking, too. Kansas
City Journal.
Blnelc Hand Outrage.
BROWNSVILLE. Pe Dec. 18 The
home of R. Fredlsnl. an Italian, was
wrecked early today by an explosion of
dynamite. The entire front of the house
was blown out. but neither Frediani ror
members of hla family were Injured. Re
cently he received leters from aa alleged
black hand society threatening deatb If
money was not paid the society and the
authorities believe the black hand Is re
sponsible for the outrage today.
New Year's gifts. Copley, jeweler. Il 3 U
OF THE BUSY II
mm
HOME BUILDING IN WINTER
Mild Weather Result iff Great
Activity in House Construction.
IMPORTANCE OF HARDWARE
Build
Are Reallslna- Mar mm
More the Artistic Effect of R,.t.
tlfnl Modern Designs In
Flxtnres.
That more building has been done In
Omaha so far this winter than In any
previous winter Is the opinion expressed
by builders and contractors.
The extremely open winter Is primarily
responsible for this great activity. At no
time has the weather been so cold that
brick could not be laid and the masons
have, been busy nearly continuously.
Similarly such building operations as
plastering and painting have not been In
terfered with. i
Several of the men interested in build
ing still hold to the opinion that consid
erable money has been withdrawn from
the banks and Invested In Omaha prop
erty In the way of new houses. There are
records of where persons have paid for
the materials with which to erect a house
even before they were ready to begin
building. This was done because these
persons believed they had their money In
a safer place when It was placed In build
ing material than when It was In a bank.
"I know the stuff Is there when I see
piles of brick and sand and lumber," said
one, "and I'll feel safer yet when I get
It Into a house here In Omaha. Then the
eastern banks can bust if they want to."
The fact that the winter Is mild Is
looked upon by contractors and builders
as a great benefit to all concerned. By
permitting operations to go on during the
winter months the spring rush and de
mand for labor of all kinds will be
avoided to some extent; houses will be
finished and will begin yielding revenue
to their owners; the congested condition
of the city's housing facilities will be re
lleved; the artisans and laborers them
selves will gain by putting in the maxi
mum number of days at their several
trades.
"Hardware haa Immense decorative pos
sibilities and I notice that the local home
builders are coming to a realization of
this," said a hardware dealer. "We have
had several orders from, young home
builders lately for some of our finest
hardware In tho way of door handles,
fancy hinges, window fixtures and so on.
Formerly when people built houses they
usually considered the .selection- of the
hardware a minor matter, merely a small
Incident. Now young couples, I notice,
come together to the store and study and
deliberate and carry home catalogs to
look over the different designs. They
strive to select the hardware for the dif
ferent parts of the house with as much
care for harmony with surroundings as
they take In selecting carpets . or wall
paper. It Is a good Idea and results In
beautifying the house to a remarkable
degree. There are a great many designs
made now In fine hardware and they are
for sale in some very artistic patterns."
A man living in the west part of the
city haa added a great deal to the beauty
6f Ms large yard by utilizing a part of
tj for A "sunken garden. The yard Is very
large and formerly there was a low ly
ing part which was often damp and
where water sometimes stood. This was
overgrown with underbrush and was al
ways considered the ugly spot of the
whole yard. But the owner saw possi
bilities In it. He drew a plan and set to
work. A part of the slope leading to the
slough was dug away and the dirt used
to make the slough level up to a certain
line. Then a retaining wall of brick was
placed to conceal the bank where the ex
cavating had been done. The brick wall
la surmounted by a balustrade made of
cement and molded In an attractive and
graceful design. A walk leads from the
house to the sunken garden and steps
lead down from the retaining wall to the
garden proper. The garden Is not large
but the most has been made of It. There
Is a small winding gravel walk, and
there are two benches made of cement.
Flower beds are distributed about to the
best advantage and vines are already
growing up the wall. Potted plants will
be placed on the" balustrade In the spring
and the owner expects to make this
"stone which the builders rejected"- tho
head of the corner. He expects to have
the despised and ugly slough of former
years the prettiest and most attractive
garden spot on his place. In many yards
there are similar places merely waiting
for the artistic eye of someone to see the
possibilities that are contained In tham
and for the determined hand to take hold
of them and convert them Into things of
beauty and Joys forever.
"The wall paper Is the most Important
thing In the house," said a man who has
recently completed a house in Bemis park.
The man quoted Is In the wail paper busi
ness, but declares he is not prejudiced.
Another Example
KEblDENCE Of
"It Is true that clothes do not make the
man," he continued. "Neither does the
wall paper make tho house. It Is true
that an honest heart may best beneath a
ragged coat, and it Is true that solid tim
bers and the best plsster may exist be
neath a paper that is an outrage", a shame
and an eyesore. A thing of beauty Is a
Joy forever and the converse of this propo
sition Is no less true."
. Tho house which this man and his wife
have ,Just moved into did not cost a great
deal of money. It is not large, but the
possibilities of wall paper hive been shown
to the greatest degree. The paper Is not
the finest buyable, but It Is of an excellent
quality and of beautiful design. In the
dining room It Is put on In panel design
to represent a lattice over which a grape
vine In clamborin. Bunches of luscious
grapes are all about and" the work Is so
good that one almost Imagines that he
can see. through the Interstices of the arbor
Into the next room.
The parlor Is done In a beautiful paper,
and In place of the old style border or the
new style extension of the celling paper
half way to the floor, there Is a beautiful
and rich friexe extending down wlitrtit
eighteen Inches from the celling. The bed
rooms are papered In cheerful designs,
neither too loud, too light nor too dark.
The woodwork Is made to match. When
one Is Inside this house he might imagine
himself In some great mansion that cqst
ten times as much as this man could af
ford to pay for a house. He has all the
advantages of the owner of such a house
at a fraction of the expense.
LOOT OF AWINGED THIEF
Death Ttrveals Nest Filled with Arti
cles Stolen from Neigh
bors Hoaaes,
With the death of Tad, a Jackdaw, which
for many years belonged to the family of
Walter Edwards, a farmer of Jaysvllle,
at the foot of the Waukaw mountain. In
New Jersey, came the disclosure that he
led a dual life a kind of Dr. Jekyll and
Mr. Hyde existence. Tad was a great pet.
"not only In the Edwards home, but with
all the neighbors, and his visits to the
houses of the neighborhood were frequent,
especially where there were children, as he
was fond of candy.
It now turns out that he was a thief.
Yet in all the years that he lived In Jays
vllle, although many artldles were missed
from the homes of his friends, he never
was suspected. Tad made ,hls usual rounds
on Thanksgiving eve, being feasted with
nuts and candy by the yoting folks.
Th next day he did not appear, end the
little Edwardseg thought he had eaten too
much the night before and that he would
be around the next day as usual. Friday
and Saturday passed, but Tad did not ap
pear, ,and it was determined to visit the
cupola this morning and see if he was
there. Tommy T-Mwards 'climbed up to
Tad's home. There lay the bird stretched
out dead, and on a ledge which went
around the Inside of the cupola was a col
lection of srrall pasteboard boxes filled
with all -kinds of Jewelry and bricabrac.
On one corner of the ledge lay many love
missives that had passed between the
swains and la Hues of the neighborhood.
The boy handed down the boxes and mis
sives to his father and last the body of
Tad.
An examination showed the following ar
ticles taken from the cupola: Sixteen pairs
of spectacles, seventy-two rings of differ
ent kinds, thirteen strings of beads, eleven
pairs of earrings, 110 brass nails, five jack
knives, three gold bracelets, seven napkin
rings, a small butter knife, thirteen tea
spoons, 137 love letters, five marriage cer
tificates, a deed for a farm and several
small articles of bricabrac. '
The death of Tad and the articles found
In his nest were the principal topics of
conversation at the little Dutch Reformed
church. An Inventory of the goods was
posted on the church door, with an Invita
tion to the owners to call at the Edwards
home and each one pick out his own goods.
Not one of the artles belonged to any
member of the Edwards household. One
of the callers In the afternoon nearly wefcif
Into hysterics when she picked up a dia
mond ring which she had lost five years
ago. She had accused a young farmer
with whom she had kept company of the
theft of the ring. He denied his gilt and
left the village. .
While the different articles were being
examined by the heads of the EdwardJ
household Tommy and his two sisters were
In another room reading the love letters.
Although Tommy promised his sisters that
he would keep silent about the contents
of the missives, there Is evidence that he
did not keep his word, as the evening serv
ices at the church were attended by only
the older folk. Tommy said that the let
ters were so Interesting that he had to
tell his boy friends.
When Tad was opened In preparation for
mounting an engagement ring belonging
to a young woman he had visited on
Thanksgiving eve was found in his throat,
which caused his death. New York
Tribune.
Mnrder Saspected In Clayton Case.
JANES VII., I.E. Wis., Dec. 28. Suspicion
that Mrs. Madeline Odell Clayton, the
Chicago woman who had been mlalng
since last November and whose body was
found here eterday, met death by foul
play, has caused , the district attorney to
of the Handsome
-s! i : ..... i .? Ill , t tv -"! .....
l- - -FT--: : till r&?
QUS BWENSON AT THIRTY-SIXTH AM) OUARLFA
DESK BU
OMRS
TIMELY REAL ESTATE GOSSIP
Building Association Loans Will Be
Normal After Middle of January.
FIGURES ' FOR ADVERTISERS
Charles K. Williamson Gives Results
of Judiciously riaced Advrrtlne
nrsta and Number of Readers
Reached by the Medlanss.
Mortgage money will be free after Janu
ary 15, and real estate dealers dependent
on the loan and savings associations will
be able to resume normal business on the
"small amount down," balance "Just like
rent" plan.
This Is tke unanimous verdict of the of
ficers and directors of three or four lnstl-x
tutions which are loaning money to home
builders of Omaha, and which have put out
In the last, few years almost 87.000,000 for
the erection of homes in Omaha.
Though (Christmas caused a break In the
business week Just past, there was a sharp
turn to the better on Friday when the de
posits poured Into the savings institutions
and building and loan associations.
For the first time In a number of years
the real estate dealers have learned how
necessary the building and loan associations
are to the quick turning of the small prop
erty deals'. A real estate dealer may buy
lots, build from five to fifty houses In a
season, and sell them all and have his
money out before the opening of the next
season. It Is made possible by the fact
that nine out of ten. of those who buy the
homes built by dealers secure a loan on
the property and begin paying the money
to an association "Just like rent." That
business will pick up Immediately after the
first of the year and the spring business
exceed the transactions of 1907 Is the pre
diction of many dealers. '
In the annual Red Book and Real Estate
Catalogue, published . by the Real Estate
Title and Trust company, President Charles
E. Williamson has this to say about news
paper advertising: "We believe In advertis
ing which Is Judiciously placed. We got
out a pencil during an Idle moment and
found that the advertisements which we
Insert In the dally newspapers reach 36,
OCO.OOO reader's every year, and. the average
j number of readers of the above copies will
oe nooui lour, or more man i,uu,wu peo
ple have an opportunity to Tead advertise
ments placed In the dally papers In which
we are advertising."
The Title and Trust company Red Book
gives a list of all public buildings, parks,
boulevards, club houses, street directory
and other Information about Omaha. It
contains fifty pages and Is one of the onty
catalogues' published In Omaha by which
a general Idea of real estate values In the
city may be obtained. .
By tho opening of the extension of the
Walnut Hill car line now running north
to a point beyond the Deaf and Dumb
Institute real estate dealers see the pos
sibility of closing out many desirable lots
In Crelghton Heights and the possibility
of opening a - new division west of the
Heights, now held by tha heirs of the late
Count Crelghton. North of Military ave
nue and west of Forty-eighth street the
Crelghton estate holds 36.8 acres. Many
propositions were made to the late count
for the opening jf the tract, but he held
It at a price which would not permit the
agents to handie It at a profit, and It Is
the only tract near Crelghton Heights or
Clifton Hill which hire not been platted.
The tract Is now a pasture and a beau
tiful piece of landscape.
Years of hard labor were rewarded dur
ing the week for R. J. Zaleskl and Leo
Roszak, PoUeh laborers, who bought homes
In South Omaha which were desirable and
were traded to Henry C Getscher for a
desirable farm one mile south of Bellevue,
valued at 85,000. Zaleskl and Roszak came
to America several years ago and went to
Work In the packing houses of South
Omaha. From their wages they saved
enough to buy homes In South Omaha.
The property Increased In value, and when
Mr. Getscher, a wealthy Sarpy county
farmer, was looking for a desirable loca
tion on which to build a home and retire,
he traded a fine farm for the sites owned
by tho Polish laborers. They will move
to the farm and leave the packing center.
F. B. Kennard bought the forty-four-foot
lot east of hla residence at Nineteenth and
Dodge streets from Mrs. Emily W. Snow
for 85,500 last week. The lot has been
vacant and as It was one of the most
desirable on the street, Mr. Kennard de
cided to annex It to his property before
some one bought It and erected a home
too close to his.
Mrs. Mary Odell, wife of a Fullerton,
Neb., real estate dealer, bought from J.
W. Towle the home at Thirty-sixth and
Farnam streets Iastvweek. Mr. Odell will
retire from business and make his home
in Omaha after next spring.
With 875,000 of permanent Improvements
Homes of Omaha
ELECTRIC LIGHT IN THE PARLOR
may be placed to set off to full advan
tage all the decorations. Yu cannot
use art glass or fringed shades with
any other light toany advantage. Elec
tric light will not smoke up your ceil
ings, or dirty your curtains.
Reduced Hates investigate
Omaha Electric
TEI.D0US. 1062. .
A Large Office
With Burglar Proof Vault
This office is 18x32 feet and is located on the 2d floor,
facing 17th Street, It is but, a short distance from the ele
vator1 and the corridor, 'frith its outlook on the beautiful
court, makes a most atractive approach. It has a very
large vault.
The Boo Building
fa tha only office building In Omaha in which the vaults are planned
as a part of the building. They are not flimsy affairs, made of fire
tile, but the walla of the vaults are brick and are two feet thick. This
is the most desirable feature for a firm haying valuable records and
papers. Even If the furniture In the office should catch fire and burn,
there would be absolutely no danger to the contents of the vault
'
A large corner office will be available January 1st t?w la the tires
to males application, as corner offices ara the most doslrabie.
For office space apply to
R. .W. Bakor, Sup't. t
R 00m 415.
made on Falracres, the plat for which was
filed last week, H. L. Reed Is to erect a
new residence which will cost S20.000. Fair
acres is north of Dundee and consists of
a large number of acre tracts ranging
from ona and a 'third to eight and nine
acres each. It is parked and Improved
and Its sale will be pushed by George &
Company.
In looking over the report of the build
ing inspector of Omaha for the year, the
fact that more than $2,000,000 was, spent
for new homes of Omahans, Is pointed to
by real estate men as evidence that wage
earners and others with money, are com
ing more and more to Invest In Improved
city property. "And the income capacity
of Omaha property, haa not been reduced
because of the many new homes," said a
dealer, in corffmentlng on the situation.
The so-called hard times have not les
sened the Inclination of owners of vacant
lots to Improve as soon aa spring opens
because the income from houses Is not
less than It was a year ago. I do not
believe rents wlU go dewn In Omaha.
They are . cheaper now than In cities of
the same size, and cheaper than In many
cities of smaller sice."
Because of the Interest In the postal
savings bank discussion at the weekly
meetings-of the Real Estate exchange, a
number of members requested President
W. T. Graham to call a meeting for Sat
urday, to take place of the cancelled meet
ing which would have been held on
Christmas day. The meeting of Saturday
proved to be one largely devoted to postal
savings bank dtscusslen, and the most In
teresting feature was the proposal of A.
P. Tukey to request Governor Sheldon to
call a special session of tho legislature
to enact a new state banking law, which
would guarantee deposits of the Institu
tions doing business under the law. His
address to tha exchange was along the
same lines In many ways aa that made by
Henry W. Yates, president of the Ne
braska National bank, who took the po
sition that the states could look after
theik own banking institutions and did not
need tha assistance of the federal govern
ment. Mr. Tukey said In regard to the state
banks:
I believe that steps ought to be taken
at once to prevent such financial con-
.,:!.-. wa AH Ar I .1 L
and you will parmlt me to make a ug-
gestion in that regard. It Is tills: That
ine people or jvenraena as oovernor nnei-
don to -a'l a special session of the legls-
luture for the purpose of passing a law
allowing the state to guarantee the de
positors of the financial Institutions under
Its control, fixing a tax noon each insti
tution sufficient to maintain a guarantee
find, ample to reimburse the state for
all moneys sdvanced depositors on account
of the failures of anv of the state finan
cial institutions. Including state hanks, sav
ings Ixinks and building and loan associit
tinns. With the nresnt reform leelsls
tiire. we be'leve such a law could he, passed
and ba Irf force on or before July 1. next.
A law In which the stat ruarxntees d
ncultnrs fro loss, world St once eradi
cate the feeling of d'Htrust now so orva- I
lent in the winds of the poole throughout
the state. Hhould a few states ednnt such
a measure it would not belong before the
national government wotfn come to the
aid of the national bane- depositors by the
enactment of a , similar' law.
Bassss Tree n Wfrfsl Thing.
' "Tbe banana furnishes tis w'h '. with
rmndkerchlefs. with wax, with blacking-,
with excelsior, with oil. wUh flour, with
window cord, with brushes,"
The speaker, a banana planter from Ja
maica, paused and soiiled.
"You don't believe me do vou?" be said
"Yet trnlv. the banana tree Is a wonderful
thing. Everv part of It serves some good
use. Thus the long leaves make a fine ex
celsior. The Juioe. being rich In tannin.
furniHhes a good Indullble Ink and a good
shoe polish. The stems yield a fine Qual
ity of hemo. and front this hemp there
Light & Power Co.
) T. M. C. A. 6L03
EVERYTHING IN YOUIbHOME SHOULD
LOOK BRIGHT AND NEW FOR
THE HOLIDAY SEASON
We Repair and Replate Table Ware, Re-
finish Statues, Electric Light .
Fixtures, Lamps, Etc.
HAVE THIS DONS
It will hnlp to make ysr
entertainmtete a succew.
Omaha Silver Company
"Phone Doug. 1773. , 314 South 13th St.
Between Farnnm nnd Harnev.
Dee Building.
Gold and Silver Plating
Table Ware, Oaa fixtures, Brass
Beds and Jewelry Beplated aa JTew
OMASA FLATDfCI CO.
Bailable Oold ana Silver Platers
Established 1898 1330 Barney .
are made luce handkerchiefs, cords and
ropes of all kinds, mats and brimht-s.
The oil is used in gilding. Of bunana
flour, the flour ground from the dried
fruit, there is no use speaking you are
too familiar with it.
"Run down to Jamaica tills winter," ho
concluded. "You couldn't have a finer
winter trip. Bathe In the sea on Christ
mas day, and buy, If you are wise, a small
banana plantation; for there is one other
tiling that the banana yields, and that is
wealth.'" Philadelphia Inquirer.
HEALTH AND BAKED AIR
Modern Methods of Heating Hoasrs
an Invitation to Pulmon
ary Trouble.
The tendency to overheat houses, hotels,
and apartments meets with the warning
from competent physicians that such a
practice is a direct Invitation to "pulmo
nary and other diseases. Medical men find
their greatest revenue in the devastation
wrought by. modern living .'conditions. In
which baked air Is one of the prominent
factors. A little comparison with the cus
toms of other countries ought to furnish
the hint upon which Americans could act
with Infinite advantage to their health.
Why Is It that a reom in England warmed
to 65 degrees Is more comfortable than a
room in the United States heated to 70 or 72
degrees? Is heat less effective In this coun
try? Not at all. The difference Is in tha
relative humidity. The American room Is
perfectly parched and arid. The Kngliah
room' is not. The American steam heat
dries all the moisture out of the air. Tho
Britisher must have moisture In order to
live. If he must choose between moisture
and wsrmth he chooses moisture, and
keeps his windows open.
There is no good reason why a room
should "not be alternately supplied with
both moUture and heat. If the proper
amount of moisture is supplied, there will
be less need of heat, and the health of
the occupant will be Improved. When the
occupant of a house or apartment discovers
I that Indoor plants are dying It is time for
i h, , lJlke the nnt that the atmosphere
j . " , . , .,
Is not til for human beings. The chances
are In auch cases that there la not enough
moisture, fur warmth alone will not cause
a plant to droop.
Civilisation is making progress very
slowly in the essentials of life, after all.
Men still live in a tight box. In which
square apertures are cu.t. fitted with glaks,
and then kept sealed. This box In winter
Is kept baking hot. If by any chance a
cool, moist current of air enters, the oc
cupant howls for more heat and shivers as
he draws his feverish and parched body
nearer to tbe steam jlpe. If the tempera
ture were run up to 100 or more, and no
moisture were added, he would continue to
shiver and catch cold. Persistence In such
habits often leads to v-xorou cases of
pnejnionla, neuralgia, Insomnia and other
maladies. When the simple, but very, Im
portant fact is discovered that Indoor air
ought to have a fair proportlen of moisture,
the radical difference between Indoors and
outdoors will be eliminated, and the
changes that now work such havoc will
be harmless. Washington Post.
When you have anything to sell ad vet
Use It In Tha Bee Want Ad Gvluu