The Omaha Cyclone, the Day ton
Flood, also the many other catas
trophes which hare recently occurred
throughout tho nation has Impressed
every man with the Importance of
Accident Insurance, for It Is tho
height of folly for any man not to
protect his most valuable asset, "the
money value or his time."
National Fidelity & Casualty Co
policies are the most liberal.
Patronize a Homo Company.
National. Fidelty &
Casualty Company
National fidelity tc Casualty BnUdlnf,
n excellent opportunity for live agents,
BALDRIGE-MADDEN CO.
GErsfERAL INSURANCE
PJion Song-. 300.
THC TEST IIow wero 'uur tornndd losses Mettled promptly and fairly?
That la exactly what our patrons are pleased about
promptness and fairness.
Nat Vl!Bitei
GENERAL INSURANCE
1313-14 orrr national baits riumDisa.
TV. A. TONSON
B. L. BALDWIN &. CO.
010 Pirst national Bank Blag, x
MONEY TO LOAN ON OMAHA REAL ESTATE
Tinanolal Correspondents. Fiona Oonglas 371.
Bqultablo Mortgage ft Trust Company of Baltimore, Md.
Wheeler & Welpton Co.
BBT.TABT.H
OT AXX.
1011 Dodga Street.
"XX von has orriiY two wbbkb to mve." - This was the titio '
of a feature story in a local newspaper on Boater Sunday morning, March
23. That evening the tornado snuffed out over 160 lives.
TEH MORAL
TOM S. KELLY
TRAVELERS ZXTBUBAZf COO OOKPAXTT Eighty Million Assets.
fSSEBBi
Lit the Buyer Btwan-
SEB US BETOBJB BCTUCS AJTOTXBB ffOXtfOT XX A XT KXA2C0X
OF XMMTOAStOB.
GALLAGHER &
era&cnu Aranv uunou surety uo.
MARTIN BROS. & CO.
Workmen's Compensation Insurance
BARKER BLK. TEL. DOUG. 735
BOOST TOB OSCMXA
The Columbia Fire Underwriters
or oxcsaA
Soma Offices Zntlr Third. Sloar Ksrokonts Rational Bank Building.
Vfcon Uoaflas 451.
3. O. T aim age, lcanagar.
no Further
LION HEALTH and ACCIDENT policies cannot be ex
celled. Its UNLIMITED policies can be issued in any
amount desired by the Business and Professional man.
Smaller policies are issued in all classes. There are none
better ask the man who has one.
Lion Bonding & Sttrety C&.
9th Floor W. O. W. Bldg. Phone Douglas 678.
Spend money
to save money
If you have anything to sell
invest a small -sum in Bee
classified advertising.
The resulting sales and their
profits will prove to you
Money is saved by
judicious spending
J. H. Mithen Go.
INC.
021-4 CITY NATIONAL
DANK niiPO.
Surety Bonds, Employers' Lia
bility. Automobile Liability,
Burglary. Plato Glass.
INSURANCE
(MnMHaWBHi
dUllti IVlUlUdl Lllu
OF WORCESTER, MASS.
ORE OF THE OLDEST-69 YEARS
and Best Companies on
Earth.
W. H. INDOE
General Agent
I 05
052 Deo Building, OMAHA
Bad B""dlr-
Phons Boar. 1703,
J
w. n. wrcoor
INSURJLNCB
XXNSS
3?hon Douglas 180.
ZS ZT.AIIT.
"THE
INSURANCE MAN"
NELSON
XL 33. Lmh, Assistant ifaaagtr.
News From the Insurance Field
INCOME TAX BILL HAS EYILL
Insurance Companies Say It Is Ob
struction to Their Business,
DIVIDEND IS NOT A PR0F11
Killtorlnt Hnj-a Thfr Arc No
"Profits" In n Mutual Compnny
In the Commrrelnl Scmt
of the Word.
"Lt us hope that the eyes of con
gress will be opened to the Injustice they
aro unwittingly perpetrating," says tho
IJfe Insurance Independent In an edi
torial attack on tho Income tax bill.
"Ufe Insurance has n right to expect
better treatment from the government
at Washington. We cannot believe that
the evils In the Income tax bill are In
tentional. The authors of tho bill prob
ably tnilleve that they are taxing a
business that can ve41 afford to be taxed,
and that their proposition Is In line with
their purpose to reduce tho cost of liv
ing for the people of this country- This
. attitude on their port and the attitude
of our various state governments, which
obstruct. Instead of helping our busi
ness, shows how lamentably Ignorant
lour legislators and the public generally
are concerning tho real place which life
Insurance fills In society."
This protest Is against the provision
of the bill taxing Ufo Insurance dividends
"A life Insurance dividend Is not a
) profit," continues the editorial. "There
are no profits In a mutual company In
i a commercial sense. H Is true that such
J companies do speak of profits, but such
1 words as profit and dividend, borrowed
from the vocabulary of the stock mar
ket, whoso ways some Insurance man
agers have wished to copy, hnve always
. been misleading and have helped to fix
In the public mind tho topsy-turvy no
tion of life Insurance which finds expres
sion In the federal taxation of dividends
nnd the Interstate robber of the funds
of the thrifty."
Explaining the difference between the
mutual Insurance company "dividend"
and "profit" the editorial saya:
"Of course, this taxation troublo Is
largely tho result of people being en
couraged to think that the well-worn
canvassing phrase, 'participation , In
profits' meant what It said and not
simply 'honest return of overcharges.' "
Practical Working
of State Insurance
Current Opinion this month haa an
article describing the Wisconsin Stnt-i
Life Insurance department. The state I,
sues a number of standard policies with
certain limitations as to amount of pol
icy, the premium rates being lower than
those of the legal reserve companies, be
cause the people are taxed to pay for
maintaining: the department. The law
was enacted with the Idea that men in
targe numbers would apply for such pol
icies, but not many have done so. The
state does not advertise the attractive
features of the policies, ignoring: the fact
that in this day and generation It Is nec.
essary to advertise in order to succeed.
The Wisconsin law runs counter to a
deep-rooted sentiment In the minds of
Americans., namely,) that a man by, mak
ing voluntary -application for a life in
surance polloy may chance to place him
self, where the finger of suspicion would
point to him. Perhaps the theory, of the.
Wisconsin law is sound, but in practical
operation It Is not a success. It is a
case where the state Is attempting: to
carry on a business that could better be
done as private enterprises are doing: it.
In order thus to compete with private
capital, the state taxes the people to get
money with which to do it. That Is to
say the property man is forced to pay a
part of the premiums of tho mtn who n-
AFFAIRS ATJOUTH OMAHA
Board of Education to Elect Teach
ing Staff Monday Night.
CANDIDATES FOE SECRETARY
Several Would Hold Position Which
Pars Twelve Hundred Dollars a
Year Superintendent H ra
il im May I.enve City.
Election of teachers aner principals for
the coming ytar will bo held Monday
night when the Board of Education
meets. There will also be tht election
of a secretarj' of the board. James P.
Sullivan, present Incumbent, Fred Mower
and Frank Dworak are. candidates for the
place. The secretaryship under the law
recently passed, will pay $1,200 a year.
The school board, besides the appoint
ment of principals and teachers for the
coming year, must also concern Itself
about the choice of a new superintendent
In case of the resignation of Superintend
ent. N. M. Graham, who has been In
vited to nead the school department In
Topeka, Kan., or El Paso, Teoc. It Is
not known whether Mr. Graham has ac
cepted either position, but it Is under
stood that both offer nn Increase over
the salary paid him in Bouth Omaha.
The election board - which claims 13
per man for the servlco of election
judges and clerks In the recent elections,
ia still In an expectant attitude as to
the money to be paid by tho school
board for election services. The board
It Is understood, has already impropri
ated the money but tnere is some doubt
whether it will flnnlly bo paid Clerks
end Judge say they mean to fight for
the extra $3 owed them by the board.
A letter from Dr. Nathaniel Butler to
Principal Cummlngs announces that the
Board of Admissions of the University
ot Chicago has approved the Bouth
Omaha High school and directly affil
iated It with the university.
Sirs. Mrrrell Ilrnd,
Mrs. Mary Mercell,- mother of Deputy
City Clerk John Mercelt, died last night
at 11 o'clock at her late residence,, 1115
North Twenty-fourth street. Mrs. Mer
celt had brxn 111 for many months and
her death was expected some time ago.
Itecently, however. It was thought by
physicians that shn would recover. Her
death last night came with a suddenness
entirely unexpected. Death was due to
heart disease superinduced by a com
plication of diseases. She was 60 years
of age.
Mrs. Mercell Is survived by her son,
John Mercell, deputy city olerk, and
four daughtrrs. The funeral arrange
ments will be announeed later,
liullr. m in r-nfp flinrsc
Friends of James Hallahan, the young
.e with the state, even though he doo
indirectly. There Is Just as much re
n for a state engaging In the savings
ink business or In the building and loan
uslness as there Is In Its engaging H
life Insurance business. Strange to
y that nearly every reformer on thu
stlnga today Is crying for some form
paternalism by means of whloh h
nuld save the country.
Insurance Code Bill
Has Become a Law
Senate file No. 364, better known as
ihe comprehensive Insurance code bill
has becomo a law In Nebraska, having
been signed by the governor, it was
Introduced by the code revision commit
tee and when It got through both houses
of the legislature was hardly recognis
able, having had 18S amendments at
tached. There Is a vast difference of opinion
nmong Insurnnce men as to what effect
the new law will have upon, Insurnnco
business In Nebraska. Some contend that
with reputable companies It will make
them stronger and put them on a better
footing, while others Insist that It will
have a tendency to throw the insurance
business Into politics, helping out the
administration In power.
The new Insurnnce law probably takes
the Insurance business out of tho hands
of the state auditor and places It In
the hands of a board consisting of the
governor, tho attorney general and the
auditor. It makes this board the
custodian of tho millions of dollars of
securities. The board Is given authority
to employ, examiners and appoint a sec
retary at a salary of $3,600 per year.
Soma of the Insurance men contend
that the danger of the new law will
lie In the power of this secretary and
that by exercising this power, he wilt
be able to force the 27,000 Insurance
agents of the state Into line, thus building
up around him a glgantlo political
machine during his four years In of
flee, that being the term of his in
cumbency Under the provisions of the new law,
the examiners who will be appointed to
look after the condition of the com
panies doing business In the state are
to be paid liberally, the fers to be $10
per day and traveling expenses, all ex
penses to be borne by the companies tj
be examined. Officers, trustees and
dlreotorn of home companies are
prohibited from receiving "any salary,
compensation or emolument In excess
of a reasonable compensation," thus doing
away with high salaries that In the past
have made men rich.
Companies are forbidden to pay agents
renewal commissions for a period In ex
cess of five years and also forbidden to
advertise the amount of capital unless
the same advertisement states the total
of the liabilities.
FORTUNATELY CARRIED
TORNADO INSURANCE
3. D. Crew, who lost the rear porch of
his grocery store at Thirty-second and
Arbor streets, and also lost a brick
chimney In the windstorm last Wednes
day evening, waa, well , protected by tor
nado Irisuranoe. ' John W. jvad, who
enjoys the distinction of haying the barn
at lils chicken ranch destroyed twice
within seven weeks, once by the Raster
tornado and again by the windstorm
Wednesday evening, also carried tornado
insurance. The adjusters have been on
the ground since the recent storm and
havo made settlement with Mr. Fead.
The chicken ranch is at Forty-eighth
and Castellan
Persistent Advertising la the Road to
Big Returns.
man, who was arrested Friday on tele
graphic orders from Sterling, Colo., are
Inclined to believe tha't the Sterling au
thorities have .made a mistake In the
boy's arrest Young Hallahan Is sold to
be under 18 years of age and stoutly
maintains his Innocence of any wrong
doing. His family Is well, known and
highly respected in this city and tho
notoriety consequent upon his arrest is
said to have prostrated one of his sisters,
who has Just recovered from a serious
Illness. It Is possible that the matter
may be straightened out within a few
days.
Sllvrr Weddlnsf Anniversary.
One of the prettiest social celebrations
of recant date In South Omaha, was the
silver wedding anniversary of Mr. and
Mrs. Bruce McCulloch, which was held
yesterday evening at the McCulloch resi
dence. 1007 North Twenty-second street.
Mr. and Mrs. McCulloch were the re
cipients of many beautiful silver gifts
from their family and many friends.
The occasion was celebrated by a
bridge party In the afternon and a home
celebration In the evening. Following
the bridge party there was music and
song and exchange of congratulations by
those present. The following attended:
Messrs. and Mesdames J. B. Watklns,
George Elrod, Omaha; Charles Sherman,
Omaha; Ned Abbott. Nebraska City; W.
B. Cheek, A. I. Lott, sr.; B. Anderson,
F. O. Martin, A. U Powell, V. W. Fisher,
F. Prucka, Keene Abbott, Omaha; 1.
M. Lord; A. K. Dodd, Omaha; F. H,
Cole, Omaha; C. F. Oliver, J. M. Tanner,
U C. Gibson, Wv P. Adklns. A. P. Dur
kies, A. A. Jaamer and W. It. Sage; Dr.
and Mrs. C. M. Schlndel, Dr. and Mrs.
R. E. Schlndel; N. M. Graham; Mesdames
J. M. Caughey. G. Plnnell, U M. Sloan,
D. U Holmes, O. J. Ames and H. Tpgg.
J, V. Mertens Pasars Array.
J. F. Mertens, a prominent business
man of this pity, died this morning at
1;30 o'clock at his home, 1606 Mlsourl
avenue. He leaves a widow and four
children. Mr. Mertens had been 111 for
two months, during which time he had
been confined to his house. He wus
prominent In German societies of the city.
MokIc City Gossip.
FOR SALE Three good fresh cows.
Thirty-fourth and F 8ts South Omaha.
The members of the local camp of
Grand Army men are preparing to cele
brate Memorial day.
Furnished house fot rent during sum
mer, 827 North Twenty-third. Phone
South 1313.
Mrs. Jane Flt7ftern!d Is recovering from
an attack of illness at her home. Twenty
fifth and C streets.
Offlcn space for rent In Bee office, 2318
N St. Terms reasonable. Well known
lornt)6n. A bargain. Tel. S. 27.
The South Omaha hospital has cancelled
a bill for 1165 for services rendered tor
nado victims at Ralston,
For a case of Jotter's Old Age or Gold
Top beer call So. 8$). Prompt delivery to
all parts of the city. Wm. Jetter.
Members of lodge No. 18 Independent
Order of Odd Fellows are Invited to meet
this afternoon at 1 p. m. at the Odd Fel
lows hall. Fourteenth and Dodge sreets,
Omaha,, in order to attend the funeral
Tornado Insurance
is Required by Law
Before Loan is Made
Nebraska building, savings and loan
associations have been notified by the
State HAnklng department to require tor
nado as well as fire policies on loans on
Improved property. Similar action has
been taken by the Indiana Pudding asso
ciation department.
Heports of a settlement of the fire In
surance controversy In Missouri aro fol
lowed by emphatic contradictions. Tho
situation has not chnnged since April 30.
when the regular companies ceased writ
ing new business and many building
projects In St. Iouls and Kansas City
are held up for want of fire Insurance
Pennsylvania has pnssed a bill glvlntt
the state fire marshal greatly Increased
power to enforce fire prevention meas
ures, to Investigate Incendiary fires, and
to exercise supervision over dangerou?
buildings.
A bill has been Introduced In the Con
necticut legislature providing for the
mutualltatlon of the Hartford Ufo. As
the legal reserve business of tho com
pany was reinsured some time ago this
will provide for the future of the safety
fund business of the company, about
which there haa been so much litigation
for a number of years. It Is proposed to
rotlre the present officers nnd directors
elected by the stockholders and form a
now board of five directors to bo elected
by the safety fund policyholders alone.
After deliberating only twenty minutes,
the Jury In the Perry A. Mallard case on
trial In Judge Clark's division of the dis
trict court at Oklahoma City recently
returned a verdict of not guilty. Ballard,
former Insurnnce commissioner of Okla
homa, was on trial for bribery. It was
alleged thnt he accepted a brlbo of $!C0
from J. T. Wood for the Issuance of a
license to his company to do bifclness In
Oklahoma. Ballard did not deny getting
J200 from Wood, but alleged ho took tho
money for some special work that he did
In examining and passing on some secur
ities for Wood.
A number of Chtcngo brokers nre refus
ing to do any business with tho few flro
Insurance companies which are continu
ing to operate In Missouri since the sus
pension of the standard companies. They
hold thnt nil reputable fire Insurnnco
companies should stand together In such
an 'emergency, and aro afraid that tho
small concerns may load up too heavily
with large city business.
The "arson trust," against which New
York City's flro authorities have been
waging war, haa been effectually quashed,
according to Flro Commissioner Johnson,
whose report shows that In the first four
months of this yenr there have been only
4,450 fires, 1,434 less than during tho same
period of 1912. The total loss, $2,376,208, ,1s
less than hair that for the same period
last year.
There Is no use of our "beating around
the bush." We might aa well out with
It first as last. We want you to try
Chamberlain's Cough Remedy the next
time you have a cough or cold. There Is
no reason, so far aa w can see, why
you should not do so. This preparation,
by Its remarkable cures, has gained a
world-wild reputation, and peoplo every
where speak of it In the highest terms of
praise. For sale by all druggists. Adver
tisement. Pointed I'nrusrrnpltM.
Jealousy always has a target.
The cheerful liar Is a great comfort to
himself.
Tho Important question! "Who Is go
ing to nltchV"
Instead of being driven to drink some
men arn .led.
Lovo laughs at locksmiths and Ignores
chaperons.
Real love never discovers that the bur
den It brings Is too heavy.
A woman will Jump to a conclusion
while a mar. is crawling toward It
It's human to attempt shirting the
blnmo on "environment" or "heredity'
When It comes to work, In the spring
almost anybody Is willing to pose as a
total abstainer. Chicago News.
of Louis Holmrod. Members of the can
tons are requestod to attend In uniform.
Mrs. C. B. Senrr has returned home
after a successful surgical operation at
the Wise Memorial hospital in Omaha.
Tornado Insurance $1. SO for 31,000; alto
flro; good, strong companies. Orln S. Mer
rill, 1213-12H City Nat. Bk. Bldg., Omaha.
The Ladles of the Macabees No. 89 will
give a benefit card party and dance at
the school house. Thirty-sixth and Q
streets, Wednesday evening, May 21.
A meeting of the Eastern Star Ken
sington will be held at the residence of
Mrs. John Fita Roberts, Twenty-fourth
and B streets. Mesdames Fltz Roberts
and E. L. Howe will be the hostesses of
tho occasion. Important business Is to be
transacted.
Tornado Insurance. F. V. Blaok, 417
North Twenty-fourth. Phone Bouth 121.
"Know Omaha" Class
of Commerce School
Visits Wholesalers
The "Know Omaha" class of the com
merce school went on another excur
sion Friday. The class visited Uyrno
& Hammer's establishment and observed
the methods employed In large wholesale
house. The class also visited the Kirk
endall Shoe company and saw the com
Plote process of making shoes. The
Klrkendall company is one of the con
tributors to the museum of this school,
it having given parts of shoes that Illus
trate the entire process of shoemaklnrf
from start to finish.
This "museum," which is a colleutlnn
of -various commercial products, is pron
ably the largest one of Its kind In the
west. Nearly every commercial product
is clearly represented. These products nru
used in teaching the local Industry and
commercial geography classes.
The grade school pupils who are to
graduate in June are taking great In
terest In obtaining first hand information
on commerce school work. About twenty
five boys from Kellom school visited thr
school Friday and were escorted all
through the various departments. Prin
cipal L. C. Rusmtsel went with the pupils
and explained the various operations.
Meetings of the Olrls' Glee club, the
Girls' Athletio club, the Boys' Olee club
and the two-year seniors were held dur
ing the last week. The Girls' Athletic
club Is planning to go on a "hike" In a
short time.
The Junior Commercial club met Friday
afternoon and the members were given a
talk on boosting by Principal RusmUiil.
It's a Bnrnlnar Shame
not to have Bucklen's Arnica Salve to
oure burns, ecsema, bolls, sores, piles,
cuts, bruises, wounds and ulcers. 36a.
For sale by Beaton Drug Co. Advertise
ment. Key to tho tUruufoo Advertising.
Uefure deciding
on your Insur
ance 'phono O.
1176, and ask
about the new
low tost, all
guaranteed pol
icies, nil plans.
I.I r. f lrr.lt. .1
Joint or Part-
rotation and Monthly Incoma or Pen'-
"n l'oiicies.
The Prndsntlal toe. Co. of Amtrlca
THE
Union Central Life Ins. Co,
or
CINCINNATI. OHIO
HARRY O. STEEL
Qeasrai Agent.
111-313 masiffs Bldg. Phone D 3163
GERMAPilA LIFE Smpany
Has an unusually Rood opening for n man of character nr.d ability In
each of tho following cities In Nebraska: Kearney, Hastings, Mlndon,
untl Central City. AddrosB,
CI1A8. HALIj JOHNSTON, Mgr., or OKO. SUTHEIUjAND,
430 Ilco HldR., Onuihn, Nob. Hist, Mgr., Grand Island, Neb.
Eqmtable Life Assurance Society the U. S
Assets over $500,000,000. Paid Policy holders over $815,000,000,
H. D. NEELY & 00., Managers
II. 1), NEULY JOK KLKIN
220 Oinnlm National Hank llltlR.
F1HE TOHNADO At'TOMOHILE PLATE GLASS BOILER
liUHGLAHY HEALTH and ACCIDENT
ALFRED C. KENNEDY
200 First Nnt'I llnnk Hldjr.
Ono of the Strongest Life Companies of the West is
THE BANKERS RESERVE LIFE COMPANY
of Omaha, of which Bascom H. Robison is
founder and president.
With accumulated UBsets of nearly $4,000,000.00,
which yield enough interest income to pay tho annual
death claims; with low cost of management none
lower and with low mortality coat; with policy contracts unex
celled nnd rarely equalled anywhoro; with n policy for fair deal
ing which hnB won for tho Company nn onvtnblo reputation; with
a steadily Increasing volume of business; with a reserve fund of
about $3,000,000,00' for tho full protection of policy holders,
Tho Bankers Jlcsorvo Life of Omaha makes a strong appeal to
tho hnrd-headod business man who expect his lnsurace polloy
to pay him a good dividend whllo ho Uvea, and at tho Batrio tlmo
to afford full protection to tho family.
zireuBANOS xxr rouon
December 31, 11)00 559,000
December .11, inOS Sl.453,218
December 31, 1910 $2,641,084
December 31, 1913 4,SOI,502
April 30, 1913 15,138,409
Xocal Atfsnt Wanted in overy county
THE MIDWEST LIFE
XT. E. BlIlllt'L, Pxssldsnt.-A Nebraska Company Home Of f less r rlrst National
Bank Building, Xdnooln. OSOBOB OROOXBB ana T. A. PINNET, General
Agents, Booms 1313-1314 City National Bank Building, Omaha, Nebraska.
Jay D. Foster
Foster-Barker Company
Successors to
I. E. Palmer Son & Co.
Accident and Health Insurance
LIBERAL CONTRACTS
Losses adjusted by us right here
in Omaha.
Brandeis Bldg.
Hot weather
A few rooms are to be had in
THE BEE BUILDING
The Coolest Building in the City
We will be pleased to showthe rooms
Apply to N. P. FEIL, Secretary.
Bee Business Office
Northwestern Mutual Life
Insurance Company
OF MILWAUKEE
MANN & JUNOD
General Agents
B3R-51I llrandcl nulldlnff,
OMAHA
Savings Bank Life Policy
Have You Seen It?
G. W. NOBLE.
Oensral Agent.
CHAttX.18 r.. HOPFSB,
pedal Arnt
3. O. nrtOnUAXT, Sptolal Agsntw
omens t
630-043 Branasls Bids. Omaha.
E. H. riOKARD
Phone Douglas 722.
orccoxxs . ,
N. Z. Snoll President
h Dr. H. H. Davis, Omaha, Vice Pros.
a. j. uaywer secretary
Dr. M. II Everett.. Medical Director
C. It. Ks-Jt onlay Ass't Becrotary
M, A. Hyde Agency Director
In the state. Liberal commissions paid.
Joseph Barker
Phone Deng. 29
is approaching
This is the season
when a man, spend
ing a large part of the
day in his office, is
looking for an office
in a cool building.
J