THE BEE: OMAHA, MONDAY, JUNE 2, 1913. Before deciding on your Insur ance 'phono D. 127E. and aViC about the now low cost, all guaranteed pol icies, all plans. Lite, Limited Pavmenta. Kn. dowments. Joint or Part- pornxion ana Monthly Inconve or Pen sion Policies. Vh Prndentlal Ins. Co. or Amttlca In n" Jltcll by New Jersey ,?brask and South Dakota. uo-aa city arati Bk. ma. omn THE Union Central Life Ins. Go. OP CINCINNATI, OHIO HARRY O. STEEL a antral Agent. (11-313 Birnf. Blag. Phone X 0103 !? GERMANIA LIFE 'mpany Has an unusually good opening for a man of character and ability In each of the following cities In Nebraska: Kearney, Hastings, Mlnden, and Central City. Address, CHAS. HAUL JOHNSTON, Mgr., or GEO. SUTHERLAND, 430 Roo IHdjr., Omnhn, Neb. Dlst. Mgr., Grand Island, Neb. Equitable Life Assurance Society the U. S Assets over $500,000,000. Paid Policy holders over $815,000000. H. D. NEELY & 00., Managers n. n. neely joe klein 220 Omnhn National Bank Bldg. -INSURANCE- FIRE TORNADO AUTOMOBILE PliATE GLASS BOILEB BURGLARY HEAITH and ACCIDENT ALFRED C 200 First Nat'l Bank Bldg. One 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 assets of nearly $4,000,000.00, which yield enough interest income to pay the annual death claims; with low cost of management none lower and with low mortality cost; with policy contracts unex celled and rarely equalled anywhere; with a policy for fair deal ing which has won for the Company an enviable reputation; with a steadily increasing volume of business; with a reserve fund of about $3,000,000.00 forNthe full protection of policy holders, The Bankers Reserve Life of Omaha makes a strong appeal to the hard-headed business man who expects his insurace policy to pay him a good dividend while he Uvea, and at the same time to afford full protection to the family. INSUBANCE IK FOBCH December 31, 190G 569,000 December 31, 190S $1,453,218 December 31, 1910 ........ .$2,641,084 December 31, 1912 i4.S05.502 April 30, 1913 0. 16.138,409 Local Agents Wanted In every county In the state. Liberal commissions paid. THE MIDWEST LIFE ' . Z. SUET.!, President. A Nebraska Company Some Offices l first Vational Bank Building, Lincoln. OSOK 1 CROCKER and X. A. PZinTJIY, General Agents, Booms 1313-1314 Olty National Bank Building', O mailt, XTebrask. I Jay D. Foster Foster-Barker Company Successors to I. . Palmer Son & Co. Accident ?M Health Insurance LIBERAL CONTRACTS Losses adjusted by us right here in Omaha. Erandeis 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 show the rooms Apply to N. P. FEIU Secretary. Bee Business Office Northwestern Mutual Life - Insurance Gompany OF MILWAUKEE MANN & JUNOD General Agents B38-544 Brandcls Building. OMAHA Savings Bank Life Policy Have You Seen It? G. W. NOBLE, General Afant. CBABXB8 Ii. SOFJFKIk peolal Agent, jr. O. HXTOBOOAH, Special Agent orncist 638-643 BrandeU Blag. Omaha. E. H. PIOKABD KENNEDY Thono Douglas 722. ojtxcbxs N. Z. Bnoll . .President Dr. B. B. DavlSj Omaha, Vice Pres. A. J. Saywer Secretary Dr. M. H. Everett. .Medical Dlreotor C. R. Easterday Ass'.t Secretary M. A. Hyde Agency Director Joseph Barker Phne Dong. 29 is approacMng 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. News From the Insurance Field READY FOR ANNUAL MEETING Nebraska Fire Insurance Agents All Boosting Fremont Convention. ADVERTISING IN BEE EFFECTIVE Proa-ram Provide for Hurst of IJIo quence, Luncheon, Olympian Gnmes and J rent (lame of now tlnll. The annual meeting of the Nebraska State Association of Local Hire Insumnoo Agents, to be held at the Fremont Coun try club June 17, promises to be a great affair, according to the progrum now be ing circulated together with Invitations to all Nebraska local agents, whether mem bers or not. The following correspondent between C. O. Talmage, manager of tho Columbia. Fire Underwriters' association, and Paul Colson of Colson & Reynolds, n Fremont agency, shows the active spirit with which the meeting Is being promoted: To C. O. Talmage: i .enclose horcln a program of our meeting to be held June 17, and I nm wondering If you cannot find some way to have a full account of the meeting referred to the Insurance de partment Of The Bcc next Monday. This wo'UI bo a, very effective way to ndver- tlSft ttUl Til 11 t ( 1 ir na t ..,,.. . . .. throughout the state read the same, and t might bo advlsablo to call attention to the fact that every agent, whethor n member of the association or not, Is In vited to attend. You will notice that we have managed to get together some pretty good talent for our program and I am hoping that wo will have a sufficiently good nttondnnce to stimulate our different speakers to do their best. . Iir" 8ndlnr out something like 700 Invitations t local agents throughout the state, together with return postal cards, so wo may be able to check up those who Intend to come. We are also sending let- ...w , . v. i. . i.ujim vrk WVCI J I V.l III" pany lepresentcd In Fremont, asking tliem u,,u uiau io apreaa inn news or the convention around the state among the local agents. We hear that a goodly number of your Omaha people are com ing up unci we are endeavoring to stir up a decided Interest In and. among Lincoln people, and t have written to George Holmes, Ernest Folsom nnd Olo Palm urging them to bestir themselves. If you have anybody down thero that can do some good, kindly write him. PAUL COLSON. Tnlmnge Make Reply. In reply to the lnttor nt Mr rv.t.nn Mr. Talmage has written dicating what may be expected from tho umana insurance men in the way of boosting tbe meeting along: OMAHA. May SO, 1913. Paul Colson? I w V0Ur favoI of tne 23111 Inst, enclos- h wf i . lne. a,nnuai meeting of the Nebraska Association of Local Fire Insurannn npnnti ..ij r..i i . o mo iiciu ai ine jt'Te- t . 'in mucn interest. nnrfnjS? ? ta" ndva;ntage of this op- POrtUnltV tn rnnpratn nlA . . t committee having the matter In charge tHj reauIts of, their efforts In get- .wiXT- . .M' ""om progran I am Conllnpnt tho mnAt..n will ... ,rj : - "'""6 "in uo tne Dest t local agents' meeting that has -" wm oi jnicago: in fact. ....i .w "rln 11 11 outdis tanced the Illinois state meeting. You mnv - 1. 1. , 2"iSia-b?yi"' thA IocaJ committee are 1 1 , reunot. 1. Will make it a. special point to see that the meeting Is wait- nitvorll.d l nr iirr " We1 nsho otier Omaha daily papers. T1 i i "cT"lli. oul invitations to tho special agents of every company represented in Fremont was a good ono, .am "uJe the flel(1 men will rel spond to such an extent that you will be taxed to tho capacity In keeping them refreshed-especlally If you Vet them started to playing base ball" There some talk of the Omaha boys driving "emont. bt nothing definite haa been decided, although there seems to be a STinT. favoring all taking on wm J7rn an(1 mlng home togotlier. Will advise you definitely on this point as soon as we have another general meet ing of the local agents. S,a" Vp .r- Bhanan at Lincoln and get him to stir up the Lincoln boys, as I know the Fremont committee want a gopd representation from Lincoln and Qmaha. The ProKram. The program for the occasion Is as fol lows: , aj 10:30 A. M. Annual address, President Pollard. Annual report, Secretary Talmage. STORE'S BIRTHDAY ARRIVES Hayden Brothers in- Omaha for Twenty-Six Years. MODEST BEGINNING MADE Joseph Haiyden'a Decision to Come to ftebraalUL Mode When Stutc'a Bopwtatlon Wm Not Very Good. It bas been twenty-six years since the firm ot Hayden Bros, opened a store facing Sixteenth street In Omaha between Douglas and Dodge streets. As usual Hayden Bros, are going to celebrate the anniversary of the opening of their store to Omaha business by a week of excep tional bargains, and ny decorating and dressing ths store In Its best for the week. The Hayden brothers succeeded their father, John Hayden, In the store busi neggjn Columbus, Wis., back In the early days. This was the first that was heard of Hayden Bros, as a firm. Later they went to Chicago, where they engaged in the store business. Then they went to South Dakota, wbcre they followed the same line ot business. The time oome when Joseph Hayden de cided to make a trip to Nebraska to look over possibilities and business opportuni ties In this country that was still stag gering under the weight of HI repute It had gained through the ravages of the grasshopper scourge. He found Nebraska well on Its feet and crops flourishing. He found no grasshoppers. He heard there had been none for some years, nnd some were beginning to doubt whether there would ever be a grasshopper scourge 'n the state again In view of the fact that so much of the land was broken up, thus destroying the breeding ground of the locusts. Joseph Hayden found that great crops were being raised In Nebraska and that vcrat undeveloped prairies rolled away over the horizon. Prosperous little towns were springing up throughout the state and settlers were coming. So Joseph Hayden said to himself that this was a state that was going to count In the affairs of the nation In the near future, and he decided to Invest some capital in It Hasina at Grand Island. He went to Grand Island, where he en gagVl In the store business and where be soon Induced his brothers to follow him. Twenty-six years ago they decided that tbe thing for a growing young firm to do was to get Into business in Omaha, Uie metropolis of the state, tbe gateway 9 the setting sun. Bo the -brothers p-.cked their grips once again and moved to tbe Gate City. It was then that they opentfl their EttW store at Sixteenth and Dofrtt. It a Xh!?-ihre-f(!ot front Addrefla J. A. C. Kennedy of Omaha, Address, H. N. Wood, stnto agent of .mini jjruisn mm .itemutiiio insurance company. Address. C. F. llllilroth of Frecport. 111., chalnnau oxecutlve conimltteu. N'a. tlonal Association of Local Fire Insurance Agents. "A Few ailnutes Sf Fooling," Frank T. u. Aiaiun or umana. 12:30 NOON. Luncheon, by tho local agents of Fre mont. Short talks by A. O. Ileeson, Inspector and publisher; V. 8. Rldgell, deputy flro commissioner or .NeorasKa; u. ii. cjiancy, deputy Insurance commissioner, ana oiners. Klectlon of officers. 2:30 P. ftt Olympian games, all members and guests eligible: fat man's race, rsnr race. three-legged race, sack race, golf driving contest; starter, - Joseph llarkor of wmana; reicrce, ueorgo w. iiounea ot l.incoui. S:1S P. M. Base ball game, local agenta versus special agents; captains, local agents, Kddlo Crelghton of Omaha; special agents, C'hnrlcs Henurlckson, special ngent of Hanover l'lrc; umpire, John It, Madgett of Hustings; scorer, Otis O. nccher of Columbus; surgeon, A. G. Ilee son of Omaha. Fire Dangers in Country Dwellings and Club Houses From Information recently compiled by Pafety Engineering, New York, tho fact is disclosed that $10,000,000 have bocn wasted in less than five years through fires which have occurred In over COO country dwellings nnd clubhouses. Pretentious country mansions have been consumed becauso ordinary safety precautions against fire have been Ignored. Owners of expensive country dwellings and clubhouses appear to bo singularly Indifferent to the grave flro hazards which threaten their property. Largo sums of money are lavishly ex pended In adorning and beautifying these costly structures, but In many cases lit tle or no thought Is given to provi itlng them from destruction by fire. A com paratively small Investment would often remove perilous conditions to property worth many thousands of dollars. The costll' lessons which fires have taught In ' the destruction of country dwellings and clubhouses during tho last few years should be ample to bring a sharp reali zation to all owners thnt It Is tho height of folly to disregard tho necessity for protection against fire. Tho necessity for fireproof construction and the protec tion afforded by efficient fire extinguish ing apparatus cannot be denied. Many country dwellings and club houses are situated at points remote from prompt aid In cases of flro. It Is the first moments which decide whether a fire will reach the stage beyond which it cannot be controlled or whether It will be extinguished at small loss. If ac tion Is not Immediate the tire will spread with such amazing rapidity In a building composed of combustible mntorlal that attempts to check tho spread will be un availing. Delayed alarms and lack of necessary flro fighting apparatus aro re sponsible for a large proportion of the fire losses In country dwellings and club houses. The rate of burning Is Increasing. Thus far In IBIS tho number of fires Is' 60 per conU. more than that for the similar period of 1912. In 1912 the number of fires wns 70 per cent more thnn in 1911. In 1912 most of the fires, 62 per cent, occurred during tho so-palled "open" months, from April to September, nnd fully 70 per cent of that number were In tho months of June, July and August. In thirty-two cases, selected from the partial list of fires, $2,000,000 in property values was lost because no private fire fighting apparatus was available. Neither was there a flro department nor a public water supply, Where thero was a fire department and a water supply the nearest fire company was toq far away, or the hydrants were too remote. In many cases means of transmitting fire alarms were lacking. and a depth of 100 feet. But It was not destined long to remain a small stor. Omaha was found to be a busy place, and soon tho small building was not large enough to handle the business. From tlmo to time the store was enlarged until today the building covers considerably over a half block and faces the four streets, Dodge, Douglas, Slxtoenth and Seventeenth. The Haydens have long been known as a rebellious firm from the vlewpotnt of the combinations and monopolies which have tried to force them to hold up re tail prices on certain articles. The Hay dens have cut prices and have at times had the experience of being unable to buy from tho combinations. Recently Jo seph Hnyden has said that the supreme court decision ruling that patent monop olies may not control the retail price of goods an which they hold a patent, would have the effect of reducing the retail price on thousands of articles In the de partment stores. Tn It p I'lrnCr of Time to Kat, There Is a saying that "rapid eating Is slow suicide." If you have formed the habit of eating too rapidly you are most likely suffering from Indigestion or con stipation, which will result eventually In serious Illness unless corrected. Diges tion begins In the mouth. Food should be thoroughly masticated and insalivated. Then when you have a. fullness of the stomach or feel dull and stupid after eat ing, take orje of Chamberlain's Tablets. Many severe cases of stomach trouble and constipation have been cured by the use of these tablets. They ore cosy to take and most agreeable In effeot. For salo by all druggists Advertisement. VICTORIA, AUSTRALIA. Government Laud Commissioner Here, Commissioner J. W. Arthur Kelly from the government Irrigation areas of Vic toria, Australia, will be at the Hotel Mil lard, Omaha, Neb., Saturday, May 31, and Monday, June 2, to give practical Information to all Interested in his gov ernment's big land settlement scheme. On Monday night at the 'Hotel Millard, Room 130, at 8 o'clock, a free stereopttcon lec ture will be given. Free literature and Information can always be obtained from P. T. A. Frlcke, permanent government representative, at C$7 Market street, Ban Francisco, Col. PERSONAL PARAGRAPHS. Mrs. J. J. Singer, accompanied by her sister. Miss Roso Summer, left Saturday for Uielr home in Chicago for a few weeks' stay. H Miss Bessie Olbbons, daughter of 10 llce Matron Ellen Olbbons, returned yes terday from a two weeks' vacation trip through Colorado and Utah. Miss Gib iojis is employsd at toe Bvxtlnxion neon. quarters. Fire Waste Imposes Huge Fire Tax On Industries In urging greater efforts for flro pre vention a report presented at tho annual meeting of the National Manufacturers' association reduces tho problem to dollars and cents by showing tho enormous flro tax dlrootly and Indirectly Imposed on tho peoplo of this country. "Each year," sold the report, "wo expend, per capita. nearly ton times the per capita averago of six lending countries of Kuropo for flro losses. Counting m tho additional costs of maintaining flro departments, eta, our yearly fire tax, per capita, la $6. Now If you remember that ovor 15,000,000 peoplo aro directly dependent for their living on tho wages and the profits of the factories maintained by tho nlembers ot this association, you will see that tho fire tax of this group of tndtvduals amounts to nioro than $90,000,000 per an num. "lty adopting proper measures w could reduce the annual flro loss by 75 per cent and wo would still fall far short of tho European efficiency In this respect. In tlmo wo could mlitce, materially, the cost of maintaining flre-flghtlng departments Eventually our rates for insurance would be lower. In stopping a proper proportion of tho direct fire loss alono we could stive our own Industrial companies and the 15.000,000 Individuals dependent upon them at least $00,000,000 per annum. This would be equivalent to having a billion and a third of dollars out at per cent in torcst. "It is easy to sco that In this entlro flro prevention campaign wo must concern ourselves quite as much with tho en llghtcnmcnt of tho public in general as with tho welfare ot those In our own fac torlcs and shops. But first let us 'begin at homo.' Let us ask ourselves If wo can Improve- In any maunor tho flro protoo tlvo features of our own sliops. Our factory organizations, without exception, should bo drilled nnd posted as to what to do' In enso of emergencies. There should bo n flro prevention committee In oach factory and a regular Inspection of the premises wth regard to the state of preparation for an attack ot fire. We reallzo that these matters aro attended to In tho cano of most of us. Let us moke it unanimous. We should get and disseminate ull tho desirable Information we can In regard to fireproof construc tion, the establishment of safe and suit able exists, fire protective devices, and so forth." Insurance NoteM. mu 1 I ...... nr.mlnm. tn T 1 1 1 1 f) 1 for 1912 were $26,277,901. with losses ot $13,151,807. Tho Wisconsin state rating bill, formu lated by the legislative fire insurance In- It was indefinitely postponed lat week .... - '. r KO n 97 In thn hnilan. ...i .. ... l..l.liiH. mtnnlArl A resolution providing for an Investigation of fire Insurance, but slnco It failed to maice any aiiiruiriiiiiun mi Mimun per diem no Investigation will be made. Tho TcxaH state Insurance board has compiled the figures on fire Insurance for 1912, covering i cuniyuiiicn, -iviiu ii-v premiums of $10,331,073. The loss ratio wan 92.9 per cent, nnd. allowing for ex penses, Secretary Tollard of tho board. hi premiums tne companum iut mi. mnmtnln TJn fT nJAUf ITTinnnH HHn reinsured It outstanding business In tho Ilnrtfora ana will retire iruui me iinu. This makes four flro Insurance companies ...t-i-i. t AinniifAil within n month lift- W1I1U1I IllHU niti.iiivM - cause of unsatisfactory conditions and tne unpromisinR uuiiyun, mc ...... . Ing tho Imperial of Denver, the Western and Atlantlo Flro ot Nashville, nnd the North Coast Fire of Seattle. The continued refusal of Governor Ma jor of Missouri to call a special session of tho legislature to repeal tile Orr anti trust law has revived the domand on the pnrt of the Insuring nubile for a test of tho new referendum. The St. Louis com morclal organizations had been urging this, but with no support from tho rest of the stnto. Now that the Kansas City Commercial club has also been turned down by the governor It Is preparing to co-operate with tho St. Louis Interests In pushing the referendum petitions. TO 6RADUATEJFIRST CLASS University of Omaha to Hold First Commencement Thursday. ELEVEN ARE TO GET DEGREES While the Nmnlier ot Those Receiv ing; Diplomas In Not Large, Per Cent Finishing la HUli. With the feeling of Joy, which per vades students .graduating from colleges, those at the tfhlvirslty ot Omaha are ex periencing some of tho sadness, which no corapanies commencement, The senior class at the local school feels It, per haps, a little more keenly than do most graduates, for those who receive their degrees next Thursday evening were in school the day It thaw open Its doors as an educational Institution! It Is true that from tho standpoint of number the class Is not very large, but the percentage of - those who will graduate is as large as that of any school In, the country. The average number of freshmen who eventually graduate Is considerably under M per cent At' the Omaha school at the close of the first year there were but nlnteen enrolled and of these one graduated last year, one will finish next year and eleven will graduate this year. Of the eleven, seven are girls and four boys. "Three of the girls will teach In the Omaha schools and two will teach In high schools tn the state. Three of tho boys will enter theological seminaries next fall. All the graduates, with one exception, are alumni ot the Omaha High school and all save one are living In Omaha at present The commencement exorcises will be gin this morning with the baccalaureate seimon at Kountce Memorial church, preached by the pastor. Dr. O. D. IJalUly. Tuesday vealns iTie Junfor class onter talns i hvnor of tne seniors at the home of Misses Kathorlne and Marllla Case, 3400 Hawthorne. Wednesday afternoon tho class day ex ercises will be held in the gymnasium. That evening the faculty will hold a re ception. Thursday noon the women of the faculty will entertain at luncheon at Happy Hollow; That evening the com mencement program will be given In John Q. Jacobs Memorial gymnasium. Nobody ia Too Old to learn that the sure way to cure a cough, cold or sore lungs Is with Dr. King's New Discovery. Wc and (1.00. For sail by Beaton Drug Co. Advertisement eVmUtent AdvcrGeUi la tb toad to Wi Returns. w (I national! x) Tho Omnhn Cyolono, tho Dayton Flood, also tho many other cnta. tropnos which hnvo rccontly occurrod throughout tho nation hnn lmnroBsod every man with tho Importanoo of Accident Inaurnnco, for It In tho height of folly for nny man not to protect hlB most valuablo asset, "tho money ynluo of his tlmo' Nntionnl Fldollty & Casualty. Co. poltclcB aro tho most liberal. Pntronlio a Homo Company, National Fidelty & Casualty Company KatlenM ridellty It Casualty anlldln. An excellent opportunity for live agents. r: BALD RIG GENERAL Phon Sour. 000. THE TEST How wero Vw tornado losses settled promptly and fairly? promptness and Trneis. eXRClly Wlmt Ur palr0"" Bro r,6a8cd Bbout- rMat IVIeistei0 GKNKRAL 1N8UIIANCB 1313-14 Omr HATrOWAI. DARK BUX&SXNO. vr. a. woNaoK w. r,. wir,cox B. BALDWIN & CO. BIO rirst ITatlonal Bank Bldg. MONEY TO LOAN ON OMAHA REAL ESTATE Plnanclal Correspondents'. Phone Bourlaa 871. iHiisfHuo w Anuv Wheeler & BHIilAllIiB 1S11 Dodgs Btrctt. Let the Buyer Beware BE VB BBPOBB BtmiTO ANOTHEB POI.ICT XSt ATSTZ BBA.NOH OP IMBURANCB. fl k t 1 A flljnn r MTU ntai 4R.1 Osnaral Agsnt MARTIN BRO&. & CO. Workmen's Compensation Insurance BARKER BLK. TEL. DOUG. 735 TOM KELLY BOOBS roa OlUSa The Columbia Fire Underwriters OP OMASA Boms Oftloes Entire Third Ploor Usrohanta ITatlonal Bank Building. Phone Uouglns 401. a. O. Talmage, Manager. Seek 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 9th Floor W. O. W. Bldg. If 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 . in Hen Go, ' INC. 021-4 CITY NATIONAL nANic mna. Btircty Honda, Employers- Ijla blllty, Antnmobllo Liability, nurainry. Pinto Glass. INSURANCE "State Mutual Lite" OF WORCESTER, MASS. ONE OF THE CLDEST-69 YEARS and Beat Companies on Earth. W. H. INDOE General A&cnt 0B2 Hoc, Uullding, OMAHA. E-MADDEN CO. INSURANCE no Detain- Phons Doug. 1703. uompnny ox xiaiumorv, old Welpton Co. 1NBUKA17CB Phone Donglaa 100. S. S3S2 ZUlnols Bursty Co. MFH INSURANCE ACCIDENT INSURANCE Klghty-fivo Millions AsHets. "Tho Insurance" Man PBOHXI DOUGLAS 801. M. B. Iisus, Assistant Hanagtr. & Surety C. Phone Douglas 678.