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About Omaha daily bee. (Omaha [Neb.]) 187?-1922 | View Entire Issue (Oct. 27, 1913)
f , THE BEE: OMAHA, MONDAY, OCTOBER '27, 1D13. Ak-Sar-Ben Accident Policies TllO larcfist mnncnrn nf rvn u iy v- j I Li, .! 11 .1 . . I vwuuu lor me smallest cost. Patronize a homo company that merits your support. National Fidelity & Casualty Company Accident, Fidelity aud Surety Bonds, Plate Glass, Bur- glory, Liability. "See Vesy Before You Slip" ACCIDENT INSURANCE TYLER 861 'Jay D. Foster Joseph Barker Foster-Barker Company Success to H. E. PALMER SON & CO. ACCIDENT AND HEALTH INSURANCE LIBERAL CONTRACTS Losses adjusteti by us right here in Omaha. Brandeis Bldg. Phone Doug. 29 Characteristic Western Service This Is what you get when tho "Lion" writes your bond. No delay, no red tape. v. No better service in the WORLD on SURETY BONDS and J you can got at our HOME OFFICE here in OMAHA. Lion Bonding & Surety Co. 9th Floor W. 0. W. Bldg. Phone Douglas 678. AVe don"t wmit much, Just the "Lion's Shore." MARTIN BROS. CO. GENERAL INSURANCE iMItKEIl BLOCK. C. W. HICKS ADJUSTER OF FIRE LOSSES 216 South 25th St. Tel. Douglas 4457. Let the Buyer Beware ft SEE US BEFORE BUTZNO ANOTHER POXiIOT ZH AKT 8BAS0X OP INSURANCE. GALLAGHER & NELSON Osnsral Agent Xlllnola Bnrsty Co. D' 33Ba WALTER A. YOKBOB. B. L. BALDWIN & CO. Established 1891 509-10 rirat National QENERAX, ZHSUBABOE Tslsphon Oooglas 371. -INSURANCE- KHUJ, TOUXADO, AUTOMOIULK, PLATE GLASS. HOILKIL HUHGLAHV, HEALTH and ACCIDENT I. ALFRED C. 200 First Natloi.nl Hank Building. $5,000 Accident Insurance for$5 a Yr, Wheeler & Welpton Co. 1511 nODOE STBEET. Mrs, Pekar Sues . For Wife's Rights lira. Karollna Pekar of Bohemia, whose discovery of her alleged husband, Joseph Vopalka. in Omaha, after she had been unaware of his whereabouts for twenty four years, recently given publicity, Is now asking the courts to restore tho rights of a wife to her. A suit filed by her is directed against Joseph Vopalka, whom she alleges she married under the JN ONE MINUTE! CLOGGED NOSTRILS OPEN-GOLDS AND CATARRH VANISH ftops Xactjr Dischargr, Clears Stuffed Head, Heals Inflamed Air Passages and Yoa Breathe Freely. ITry Ely's Cream Balm." Got a .small bottle anyway, just to try t-Apply a-Uttla In the nostril, and In stantly yoar clogged nose and stopped up air paatagts jot ths bead will open; you will breathe freely; dullness and headachs dfsappsar. By morning! the catarrh, cold-in-head or catarrhal sore throat will be gone. End such misery now! Get ths small bottls of "Ely's Cream Balm" at any Cr-g i tore This sweet, fragrant balm Savings Bank Life Pilky Nave You Seen It? G. W. NOBLE Central Agsnt CXAKZiES Xh KOFPEB. Special Agent. J. O. XITCKMAX, Bpeclal Ag nt, oxtxcesi. 638-643 Brandeis Bldg., Omaha. "State Mutual Life" OF WORCESTER, MASS. OKE OF THE OLIEST 59 YEARS and Host Companies on Knrtb. W. H. INDOE General Agent lie IHtlg. OMAHA. 1 I TELEPHONE DOUG. 7:15. W. I.EROY WZXCOZ, KENNEDY Phone HougUs T2. wioxe nouo. isa. name of Joseph Pekar November is, li8, In Bohemia; Anna Pecova, to whom she alleges he has transferred his property, and an attorney. Mrs. Pekar says that three months after Pekar disappeared In August. 1889, a child was born to her, and that she has lived In poverty for many years. Hhe asks that transfers of property by Pekar be set aside and that she be al lowed a share of It. Vopalka, who Is marrlsd and has a family In Omaha, Is proprietor of a butcher shop at Fifth and William streets. dissolves by the heat of ths nostrils; penttrates and heals the inflamsd, swol- en memoran which lines ths nose, head and throat; clears the air passages; stops nasty discharges and a feeling of cleans ing, soothing relief comss immediatsly Don't lay awake tonight struggling ror breath, with head stuffed; nostrils rlosed, hawking and blowing. Catarrh or a cold, with lt running noss, foul mucous dropping Into ths throat, and raw, dryness is distressing but truly needless. Put your faith just once In "Kly's Cream Balm" and your cold or catarrh wtll surely dlssppear News from ONE WAY TOJTOP REBATING 'president N. Z. Snell Believes He Has System to Stop Abuses. AGENT IS NEVER BENEFITED Pnrphiiifr nf the Poller the tn thnt fiftn thr I.onsr Knd nf it Practice thnt U Cheap ening. "One of the abuses which the new In surance code does not wholly provide against Is that of rebating." writes N Z. Sncll. president of tho Midwest Life. "The code defines a rebate as! "The penalty Inflicted for rebating con sifts In revoking the license of the In surance company or agent found guilty .or sucn an net. nut no penalty In Im posed upon the one accepting- a rebate. ' "Among the evils to which rebating f contributes tire- ; "First-It fosters deceit. The premium ; actually paid Is not tho one expressed In the policy, but another and a secret one. Lven where there are no penalties In flicted for rebating, the practice Is never Indulged In openly. Modern business methods ore along thoMlne of publicity. "Second It discriminates ngatnst policy holders. This discrimination appllos to both policy holders In tho same company and to policy holders In different com panies. No defense can be made to re bating hi insurance which would not equally apply to reballnR by railroads, street car. telephone and other public or quasl-publlc corporations. The largo policy holder and tho one who Is the best able to pay tho full premium la the one who always gets the benefit of a rebate. It Is tho banker, the success ful business or professional man who Is fe.vored In this respect. Usually there Is no real competition In the salo of an Insurance, policy. The agent sells or does not sell his prospect either because ho does or does not Interest him sufficiently In the proposition. Whenever a man lets It be known that he Is In the' market for a large policy, It can bo put down that In nine cases out of ten ho Is looking for the agent who will give htm tho biggest rebate. Third It demoralizes the agent. There Is no doubt that at times It Is a big temptation to the agent either to offer u reluctant prospect a part of his com mission In order to close tho transaction, or to accedo to the suggestion or demand of tho prospect that a rebate bo given Whenever ho docs, however, ho lowers his efficiency and capacity as a salesman. It Is a tacit admission on his part that his policy Is not worth 100 cents on the dollar, or that he Is not capablo of sell ing It for Its full value. A rcbato once given makes It all the harder to resist giving another, and then another. Tho agent simply comes to follow along the line of the least resistance. Penalty 1 Severe. In depriving an agent or a company of a license to do business a severe enough penalty Is Inflicted, In my Judgment, without attempting to Impose a fine or Imprisonment, so In these cases the pres ent 'code fully corers the ground. Tho question, however, remains as to how to deal with the one who accepts a rebate Making such a party trullty of a misde meanor and either fining or Imprisoning him has In practice proved to be a dead t Utter. The remedy I would propose Is to reduco the amount of the recovery on a rebated policy to the amount the pre mium actually paid would purchase. This could be acompllshed by the addition to our Insurance code of the following, or Bomo similar section: Tho amount of Insurance whereon the insured has received Or accepted, either directly or Indirectly, any rebate of the premium or agent's or broker's commis sion thereon, shall bo reaucea in sucn DroDortlon as the amount or value of such rebate, commission or other con-' elderatlon so received ny the insured, bears to the total premiums payable on such policy according to Its terms at or prior to me umo m name oeconiea a claim. The amount of which any policy Is so reduced shall be paid by the com pany to the state treasurer for the use and benefit of the school fund of the state of - Nebraska. Gnln No thin-. "The objection urged by some to such a plan that an innocent Denericiary ought not to be deprived of receiving tho fuH face of the policy, Is completely answered when It Is recalled that It Is the act of the one who takes out the policy In not paying the full premium that has reduced the amount to which the beneficiary Is entitled The; bene ficiary gets all the Insurance that' thn insured paid for and no beneficiary should be entitled to reoelve any more. The Insurance company which has given a rebate, either directly or through an agent, could gain nothing by the trans action under such a law, because the amount of the face of tho policy which was withheld from the beneficiary Is paid to the state for the use and benefit of tho school fund." Insurance Notes and Personals. Detroit has appropriated 18,000 for school dental Inspection and clinics In 1913-H. In Wlsconrin seventy-two towns have entered a Btate-wide social center or ganisation. The cargo on the burned steamship Volturno was Insured by London under writers for 00,ogo. A special committee of the Boston Chamber of Commerce which investigated fire Insurance rates, reported that the "GETAWAY" JI6HT FOR TWO Companies at. American and Boyd Theater Close Season. LEADING LADIES SAY GOOD-BYE MUs Lans and Htsa Stone Get Msnr Flowrn and Make Short Speecbea Full of Tears. "Getaway night" was celebrated at the Boyd and American theaters Saturday night as It was never before. It Is the first time In Omaha's history that two clever women were pitted one against the other as leaders of resident stock companies, and the situation has been Interesting from the flrsf. One of its features has been the friendship that has existed be tween Mls Lang and Miss Btone. This has not been perfunctory, but ral. How ever, the sequence of deals that resulted In both companies being practically dis banded at the same time has made the situation one for a comlo writer At both theaters large assemblsges applauded the stars as they spoke their the Insurance Field fctan Francisco earthquake raise of 15 city was not entitled to a reduced rate 1. . . aw.. l 1 . - . t ... I Lptrvauro KIU aiiv iv"fl imiiu ill iivpiini " the largest of nil the big cities of the country, surpassing even Chicago. students at IlopKins academy, nauiey. Mas, learn to work concrete as a rcK ular part of their course In agriculture. Charles W. Wronger, state agent of the New Hampshire fire, with headquarters In Denver, spent most of last week In Omaha. Joseph Barker of the Foster-Uarker agency has returned from New York, where he went to look after Insurance matters. Secretary Shatter of tho Lion Ilondlng company Is back from Kansas City, where he spent a number of days look ing after company business. Maryland Insurance department has adopted the Now York lulcs governing commissions and brokerages of liability agents, effective November 1. J. V. Hughes, formerly assistant secre tary of the Guarantee Fund I.lfo Insur ance company, has been elected secre tary and treasurer for that company. Earl A. Xook has been appointed city agont for the National Lite of United States of America. Mr. Zook was for merly In the lusuranco business In Wa terloo, In. Of tho rw) or moro men cnKsged In the Insurance business In Omaha, nearlv one half of them i-cglstcrul for a chance In tho land lottery at North Platte, whore the drawing Will tako plaro Tuesday. The Fidelity Fire Insurance company of Des Moines, organised In 1K33 and doing a business of about I10O.00O In premiums per year, has reinsured In the German Amorlcan of New York. During the last week fire Insurance business has been unusually good with the Omaha agencies. Almost every fire risk written has a tornado policy golnu the drawing will take place Tuesday. TliA f I nnM .1 n,n .i.i...IkI 1 a . - ..U v. . r-w a.iijui alliriilll'm Ul 111- surance bus ruled thnt it was unlawful for llfo Insurance companies to dato pol icies prior to the date of application. Ho held thnt mmh n hraphM n a . . . ..(ACT UID.I1III' Inatory. The outstanding business of the Cen tra National Fire of Chicago hHS been relnsnrtvl In th Wnctu tii.i.i. .... pantile ni of noon. October 21. The re- inmiiunce wus criccteti on a basis of un earned premiums of 2M),000. .5 ."ciiij-iivo uu) 1UKIIIK part time." agricultural work In fife agricultural schools In Massachusetts last year, two earned more than WM , ... v,. t.w Bnu oniy three less than 100. from their farm As a result of a vigorous corn cam paign waged by tho Philippine bureau of education nt Manila, there has boon a decided Incrcnso In tho production of enrn nn.1 n .1 .. ... ... . . .u.r.u McviniBu 111 inr liwe of rice, formerly tho chief article of diet I. ,HO U VlllJ-'lllU N'w,hsta,KlIng the troubled conditions in Mexico, 107 new government schools for tho tiatlyo popuIaUon have been or- i. im et,aement on Latln-Amcrican re- iiiiuiiu.i in in annum report or the com missioner of education. rAmnnnlna .....til.... . . u- i. . "hub iiinii insurnnce nave il fill a rlltinlrnii. bwavIahm. . 1 . i,,, viii.u una rummer from lightning and tornado losses. Farm i "vu iimo surierea. and many or them have boon compelled to Increase tlltMl n (.nl.rnnl . . one-liolf of their losses this year were wa w untuning. i..t.. n.i. . ";" "kiiooi year ror lunches Tho American Homo Kconomlcs . .'"". "llmalCB mii tins amount, spent for lunches outside of school, will buy only 81,000,000 calories In food valuo WhAfMa. If .n.Ml I .. ,1.. t . ..." mo nuiuiui Hindi J.,nwU.h Cttr,fu,,y supervised menu, iLlSi1 l,,uroase tho equivalent or ITsT. 000,000 calories. Thn Inillnnn f ,u.l.. . .. . i.. .1 mini rejions tnai Kin ii I i. VI. . """'" iiitirB navo oeen b7 fires In that stato caused by sparks imin - -.. wnn a loss 01 1(157,179. Of these ISO were due to loco. mnllvn .twirl,,, ...lu i and fhlrty-elght to sparks from clurnhey Hit&fuSR f,,,.18,0?1- Tno flro marshal's nr5.i h?ild"Jl"l,t chimney sparks cuused dwelling f res during the last summer. .iwiui jium loromouves were ro Bponsiblo for 4.3 per cent. Coupon Insurance For Parcels Sent Through Mails , While the need for Insurance of par cols sent through tho malls under the new parcels post law ra,nnot be described as a long felt want, It Is keenly felt nnd the business community has been greatly assisted by the perfection of a plan 1o Insure such shipments in a simple and effective way absolutely devoid of red tape. One of the largo Insurance com panies In New York City reports the New York Commercial, lias solved the problem to Its own satisfaction by Issu ing books of coupons. All that the con signor Is required to do Is to enter on the stub the address of the consignee and the value of the parcel and paste on it a sticker coupon costing 2' ccnts for the first 110, two coupons for tS and four for $50, which Is the limit of Insurance on a parcel not reglatered or Insured by the government. On parcels valued at t5Q or more and Insured by the govern ment the charge will be 2V4 cents for the first ISO, E cents for $100 and 10 cents for )U0, using the same certificates In both cases. All that the shipper has to do ,ls to pasta four certificates on the parcel that Is sent by registered mall or insured by the government and sent by parcels post. The company doing the business takes very little risk. It trusts people without special Investigation up to tU), and it trusts tho government Investigators up to $150. As this Insurance Is designed for the benefit of business 'houses th risk Is small because the minimum num ber ofrcertlflcates Bold at one tlmo Is 100, for which the charge Is $1.60. Whole sale and retail dry goods, notion and Jewelry houses are availing themselves of this Insurance very freely. last lines and went through with their closing scenes; at both the procession of ushers carrying flowers to be presented across the footlights was Imposing, and at both speeches, tearful and sincere, expressing the regrets of the popular leading women at leaving, were listened to by gatherings thst shared both In the tears and the sincerity. Miss Lang goes to Kansas City today for a short visit with her mother before she goes to Denver to take on the work of leading woman at the new Denham theater, where the first performance will bo given on Saturday, November S. Along with Miss Lang wilt go Mr. Denlthorns, Mr, Watkln and Mr. Tuatln of the Amer ican company, and Mr. and Mrs. Herb lln of Uie Boyd company. Mr. Hecker of the American box office has already gone to Denver; Mr. Kearney of the staff leaves today, and Mr. Woodwnrd will follow at once. Miss Ktone leaves today on ths Los Angeles LJmlted for her home at Los Angeles, where she Is under engagement to play at the Belasco In a round of spe cial productions. Miss Montagu of the American stock company will accompany Miss atone to Lps Angeles, where sho also has an engagement. Mr Wayne of the American company Casualty Insurance and Workmen's Com pensation Acts As the year draws to a close It be comes Increasingly evident to students of the present situation In the casualty bust, ness. that at least one If not moro coin panes will strive to withdraw with honor from the liability field. "tt has become clear," says the New York Commercial, "that the legal limit In claim and loss reserves Is Insufficient In a number of Instances to meet tho ac cumulated claims. The experience of moro than one company has been em harassing and It Is believed that thj stockholders must be called on for addi tional funds before these companies can make a statement which does not show an Impairment of capital. "On the other hand, the certainty that workmen's compensation laws will even tually crystallize Into an experience which will enablo the underwriters to determine adequate fates for employes' liability business has encouraged the contemplated cntrnnco of considerable new capital In the business after the be ginning of the new year." Ilelnhold 11. Koch, president of the De troit conference, announces that organi sation Is giving active consideration tn efforts to modify existing and proposed . i . . . . i . i woramen s compensation acts ro that the Industrial accident and health companies will be enabled to participate In the busi ness. l.ors of existing business Is feared. Compensation Indemnity Is Really arel dent Insurance, although It must le now Issued under liability forms becauao pay ment under an accident policy does not relieve tho employer of liability whether ho pays the premium for the Insured or not. The conference Is also prepared to work with tho companies doing a liability busi ness to prevent tho cnaotment In various states of compulsory stato - lnsuronco laws. Other Plans, says Mr. Knrh ready to effect tho following ends. Oppose laws which Increase the tax on our premium Income. Introduce laws which will decrease In on our premium Income. Abolish publication of annual reports In local newspapers. Abolish municipal licenses. Co-operate with Insurance, iinni-nli.,,. dents in passago of proper laws and pre vention of vicious laws. Educate members of state legislatures on lusuranco questions. Educate tho public generally on ths subject of health and accident Insurance. Securo standard provisions and condi tions In alt states. Eliminate so-called "frills." Prevent further stock promotion schemes. Reduce our letter postage to 1 cent. Develop a uniform classification of risks. Dovolop a uniform schedule of medical fees. Prevent the "twisting" of agents and business. ' Socuro proper licensing of alt agents. Protect the companies against loss from undesirable agents, Secure real co-operation between com panies In settlement of claims, Air, Koch Is conducting an active cam pnlgn to Increase' the membership of the association. He calls attention to tho fact that there are now enrolled seventy three companies writing K per cent of tho Industrial accident and health busi ness In tho United Htates. Martin Brothers Install Big Clock "It's time to Insure" Is the admonition, over the huge clock which the Martin Brothers compuny has Installed on the exterior of ts offices, second floor of the Barker block. The clock Is four feet In diameter, faces diagonally across Fif teenth and Kamam streets and Is said to be tho largest clock In the city owned by a prlvato concern. It will havo the hourly regulation service of the 'Western Union. LUTHER K0UNTZE HOLDS LARGE INSURANCE POLICIES "The large amount of Ufa .insurance which I carry Is tho best evidence of the value I place up It," ssld I U Kountxe, vice presi dent of the First .National bank of Omaha. The total of the policies car ried by Mr. Kountzo upon his life In sev eral companies ex ceeds $3)0,000, making him one of the heaviest Insured men In the state. "I might Invest my premium money in sources which would net greater returns on the Investment, but the protection af forded by life Insurance outweighs that consideration. I would recommend life Insurance protection to ever' man who has deponduuts or who Is Interested In providing an estate when he hau gone." Mr. Kountse Is a comparatively young man and secured the vast amount of In surance which he carries at the lower premium rates offered tie young. will leave at once for New York, where he will join James K. Ilacketfc In a series of revivals of Mr. llackett's successes. Tho new American stock company will open Its season at that theater today. The Boyd theater Is closed, forhe time being, at least- Elsasser Family to Hold v Reunion Here November 1 The Klaasser family, of which there are about 300, will hold its first annual reunion November 1 at Miller's hall at Seventeenth and Vinton streets. All of the 300, with the exception of two or three families, reside In Omaha. The family Is one of the oldest sa well as one of the largest families In OtnsJia as It was established hers by Jacob di saster forty years ago when he married Miss Amelia Thumb. The Klsassers aie of German decent, and like all Germans, are good, home-loving citizens and nro well known as. honest, frugal and thrifty Persistent Advertising is ths llosd to Big Returns IT' National Life Insurance Company Tho Nnttonal Life, chartered by tho Stato of Vermont In 1850, supplies, a continuous record of sixty-four years' work. It is pe culiarly Btrong in its asset and insurance compoaltion, purely mu tual and impartially, scientifically managod upon the doctrine of ownership by tho Insured and of an unsurpassed servlco to its mem bers. It grahU the best form of LIFE, ENDOWMENT, TERM, ANNUITY and INCOME Insurance at the lowest net cost. Impres sively demonstrated by tho fact that it has sot' aside, for payment of dividends to policyholders during tho current year, over ono mil lion dollars. Tho public is notified that the Supremo Court of the. United States has handed down the doclslon that our company la the only ono entitled to tho nnrao of National Life Insurance Com pany and to all mail so addrcssod. Correspondence without projudlco to tho writer is Invited and will havo prompt attention. J. V. STARRETT, State Agut -lOl-ll-a Pnxton l!lk. Guarantee Fund Life Association OMAHA, NEI1HASKA. Organized .January 52, 1002. Assets, Oct. 1, ' : 9L,H12,a01.TO Hcicrvo Fund Oct. I, ll 083.24KLM: Securities with SUito Department, Oct. 1, 101. . . . 088,337.50 Policies provide (loath, dlsabllllty and old ago benefits, and aro Incontestable after two years from their date. Unselfish men dosiro llfo Insurance for protection for ther family.. That Is tho only kind of a policy wo issuo. Men only, 21 to 60 years, aro ollglble. Since most men dealro llfo insurance mainly for protection, why not buy a policy that will best sorvo your neodB? duarantood rato per $1,000 Insurance, ago 3G years, $13.30. Other ages In name proportion. Home Office : : Brandeis Bldg. Phono Douglas 7021. TOM KELLY ,Mtr,Mi mwu m f MM as noiiBoroLiiMi. Record fop Mine Month Total Tald' to Policy Holders, Including; Death Losses: Income from all sources: f 'T $1,015,227.87 Total gain In asseta; : ' T $503,426.67 Liberal Dividends Paid to Policy Holders. THE' BANKERS RESERVE UFE COMPANY Uascom II. noblson, Proa. It. C. "Wagnen Bec'y. It. L. Hoblson, Vice-Pros. W. G. Preston, Treas. IIOMti OFFIOK, OMAHA, NEBRASKA. IIUVINO DIVIDENDS ml. i,l.l.u..i T.lfA tHtiii nnlv stock a nv ' v ...... , or low premium policies. It does not charge more man every ui"ii w. knows Is necessary, and then attempt to Justify tho act by promising to re turn thn overcharge in tho BUlss of a dividend. .... ,, .. A dividend on a lite msuranuc puncr Is In no aense a profit It Is only the return of that purt of the amount ., ..nr. tn u 1 1 1 m tiii. r.nmtianv to livvvmini; .mi..--.. - - - - -. - nay all expenses and losses and set aside ths required reserve. In other words, It 1 tno cnange me i;uiiujr returns after retaining the actual cost of the Insurance, Hemember, that to get dividends, a policyholder must literally buy them. The excess over the rate charged by other old line companies Is the price paid. Insure In The Midwest Life N. 8NELL, PHEHinKMT A NEBRASKA STOCK COMPANY swing NON.mneirATWG uti wjuiahse oniy FIRST NATIONAL BANK BUILDING, LINCOLN. OXTT X ATI O XT AX. BASK BVXXBZX. OXAXA AGEETOT aSOXOB CXOOKBK, T. A. VXXXBT, QBtrl Agsnts. PSYCHIC HIKERS WORK HERE Arkansas People Lose $800 to Band that Get Half Million in Chicago. CROOKS HERE SEVERAL MONTHS Arrested In Columbus, Ohio, by t'hl rnKo Officers nnd I'rands l'rr petrnted Here nroiiRht to Mhl. That the "clairvoyant trust" heads ar rested last week In Columbus, O., by do toctlves from the county attorney's office In Chicago, III., gained a part of their JMO.000 loot In Omaha Is discovered by a Utter received late yesterday afternoon by Chief of Dotectlves Maloney from, 8. R. Williamson of the Dodson-Itenner In surance company of Bprlngdale, Ark. Williamson says he represents several persons In his town who were fleeced out of here by W. It. Ferguson, alias "Alva nrown," alias Prof. W. I 8tone. alias Prof. 8. P. MeQee, and Mrs. Louise Ilmsell, who were arrested In Columbus, He wrote to Maloney offering to spend additional money to aid In the prosecution and to offer the services of his Clients as complaining witnesses. According to the letter now In the hsnds of Maloney, l'trguson, as he Is generslly known, organised "The Oak Itldge Investment company" and "The Invincible Brick Lifter company" here. Mrs. Uussell. who Is said to be really Mrs. Ferguson, acted as a psychlo reader and directed her patrons to Invest their money In her husband's schemes. Maloney Is now seeking other victims In Omaha, Ferguson and tha woman left hers two months ago after a campaign extending over several months. News dispatches from Chicago and Co lumbus state that the couple under arrest are the leaders of a gang that has been operating all over the country for several years. Persistent Advertising Is ths Road t( Big Returns Douglas ISO. LIKK l.VBUKANCK ACC1DKNT INSURANCE Klghty-flvo Millions Assets. Yesterday c&unot be, rocalied; Tomorrow cannot bo assured, This day only la yours. If you havo boon undecldod as to just what kind of a life Insurance policy you would like to pur chase to protect your loved ones or your business Interests, better phone D. 3080 and talk It over with ALLAN II. CHAMBERS. "The Other Insurance Maa." I Before deciding on your Insur ance 'phone D. n v r . . fey v- wit 'Si mgbout the new ATSfSTsTSMBkSJSfl mAI lnw nnmt siiarameed pol icies, all plans, Lite Limited Payments, Hn d o w m c n t a, Joint or Part nership. Corno- ration and Monthly Income or Pen bton Policies. (The rrodsntlal Ins. Oo. of Jameflea, Inc. as a Stock Co.. by New Jersey. SC. BRUOB CARFBJtTKB, Mgr. for Nebraska and Houth Dakota. BIS-aa City Katl Bask Slag.. Omsk CHANGE "COmCIAL CLUB? Reorganisation and Consolidation of Bureaus Considered. TALK HOLDS UP APPOINTMENT Selection of Successor to Secretary Guild Novr Avrattlnv Decision - m to Proposed Reorgaai sation Flan. Consideration of the merits of many ap plicants for the position of secretary of the Commercial club to succeed 3. M, Guild on the part of the committee Bp pointed to sift candidates Is being de layed by dscusslons of a possible reor ganization of the club. The members have made no definite statements, but they think tt Is not wise to make even a tentative choice until It is decided whether there IsMo be a reorganization. The committee has authority only to sug gest a plan to the executive committee. Under ths present system, the trafflo bureau and the publicity bureau, while they are for all practical purposes de partments of the Commercial club, ar supported largely by a separate fund, aside from Commercial club appropria tions. They have offices on the soma floor and are for all practical purposes closely allied with each other. There Is much discussion In committee meetings about the possibility of reorganising tha club In such a way as to have one cen tral body, with various subordinate bu reaus. At first thought this was con sidered by some members of the commit tee to. be a very simple task, but as tha meetings continue It develops that It will involve many complications, and ths committee Is now disposed to go slow la Its recommendations. I