TILti KLK; OMAHA, MONDAY. Ph( hMIlf'TR 'JH. IHl.'?.
WANTED
General agents in tliis territory for the now year.
Wo aie prepared to make extra liberal contracts.
Business growing rapidly policies unexcelled
are easy to soil. Men able to get results can l.nake
big money. Write or call on
THE BANKERS RESERVE LIFE COMPANY
OMAHA, NKIHtASKA.
MILLIONS. OP ACCUMULATED ASSETS.
Bascom II. Roblson, Pres. 11. C. Wagner, Soo'y.
R. L. Itoblson. Vice-Pros. W. 0. Preston, Treas.
0
Guarantee Fund Life Association
OMAHA, NEBRASKA.
Organized January 2, 1002.
Assets, Oct. 1, 1913 $1,212,304.70
Reserve Fund, Oct. 1, 1913 985,293.54
First Mortgage Farm Loans, Oct. 1 583,337.50
Kntiro Assets Aro Pledged to Secure Policyholders.
Policlos provide death, dlsnbililty and old ago benefits, and aro
incontestable after two years from their date.
Un6elflsh men desire life insurance for protection for tho
family. That is the only kind of a policy we issue. Men only,
21 to CO years, aro eligible."
Slnco most men desire life Insurance mainly for protection,
why uot buy a policy that will best serve your needs?
Rate per $1,000 Insurance, ago 35 years, $13.30. Guaranteed
by entire assets.
Other ages in same proportion.
Home Office :-: :-: Brandeis Bldg.
Phone Douglas 7021.
"See Vesy Before You Slip"
ACCIDENT INSURANCE TYLER 861
There Is a Standard In Everything
Tho General Insurance Agency with the largest pat
ronage, must necessarily approach the. standard of ser
vice companies, and general reliability "perhaps this ex
plains our position at the top."
Foster-Barker Company
Brandeis Bldg. Phone Doug. 29
V1U1 UVkVl f V VUiVlAl IbSf A V AtfXs
This is what you get whon the "Lion" writes your bond. No
delay, no red tape.
No bettor servico in tho WORLD on SURETY BONDS and
you can got at our HOME OFFICE here in OMAHA,
Lion Bonding & Surety Co.
9th Floor W. O. W. Bldg. Phone Douglas 678.
We don"t wnnt much, just tho "Lion's Share.'"
INSURANCE AGENTS
It is to your interest to have a contract with the
MISSOURI STATE LIFE INSURANCE. COMPANY
EIGHTY MILLIONS IN FORCE
Matchless Policy Contracts. Liberal Commissions.
Write J. E. AUSTIN, General Agent,
894 Brandeis Building. OMAHA.
f
-INSURANCE-
KJKI3, TOH.VADO, AUTOMOIULH, PLATE GLASS,' BOILER,
I1UROLAUV, HEALTH and ACCIDENT.
ALFRED C. KENNEDY
200 First National Dank P.ulldiug.
SAFETY OF BANK DEPOSITS!
Review of Guaranty System in 1
. !
Operation in Four States.
WORKS WELL IN THREE STATES
SVrbraskn. KiwiKn -nnil Texan Make
Good HIkmtIiik, While Okln
hnmn Meet Some 31 li-
fortune.
"Four years More of Deposit Guar
anty" Is the subject of a comprehensive
article In the Harvard Quarterly Journal
of Economics by Thornton Cooke, a vice
president of tho Fidelity Trust company
of Kansas City. Mr. Cooke probably has
fclven more thorough consideration to the
Kqaranty of deposits In all Its phases
than any other man In tho country. He
prepared u careful study of the subject
soon after Oklahoma adopted Its guar-
On,,- tntir ..! 1. ... .
t,u iiu iiuw nuiijjienienis mat i .vw,vw iu .w.wu.iw. ji mo same
article with a review of tho experience j ,,mo ll,e number qf national banks In
f Oklahoma, Kansas, Nebraska and creased from 229 to 326 and their deposits
Texas with tho systom. These four states rosp from $7.C00,OCO to J5.S.0O0.O00.
are the only ones that have adopted it, I These comparison)-- clearly shew that
. though numerous state legislatures have Independent banks without guaranty can
considered the subject without nnttinr- I prosper and gain depositors In comnetl.
the system Into operation.
The Oklahoma exnerlence w imrnr.
tunato In several respects. The law was
iuiitiu in btrvt'iui resjeci. mho law was ! i i if uiu uKuuioma ntaio
hastily adopted and put Into operation atBa"k,Rr board had warrants outstanding
a ume wncn mere was a good deal of I ,ur 'a." tine sum is larger now;, with
reckless banking In the state, and thero 'on,y ,000 In cush on hand. It had a
was no adequate state supervision of I miscellaneous batch of assets of failed
banks. Many banks wero permitted to i banks on hand, mostly uncollcctable.
come into tho system without a thorough only One Kansas Hunk Failure.
an.'Jn'Li? SCUHWhetMr, they 7rel T,le "Plence or Kansas ha- been
solvent to begin with, and the organlza- mucn more tncouraglnB than tnat of
tion of new banks was permitted without Oklahoma. I the three year, during
duq consideration, by state authorities whlch the -yem na nVratlon
wT.TnA rTc,er ' ,,,e "T Wh thero ha b" ony one bank fallurTan
went Into the bu.lne,. The result was jt cost the guaranty fund about Iff.OA
that the guaranty fund was drawn on' n Oklahoma all state banks are re.
heuvlly before an ndoquiito accumulation ti,lrod to operate tinder the guaran .
cou'd be made, and In the effort to rre- I system. In Kanim li i. ,,.i,.oi ...i.'i.
vent disaster an Inexperienced banklnz
board did many things which discredited ,
the sjstem.
Twenty-seven banks with deposits
asrregutlng J7,000,000 have failed in Okla-
Phone Douglas 722.
homa since the guaranty law was
adapted. Sonic of these failures were duo
to crooked acts of officials, nnmn in In.
C0'Pf -cme to nam times. The re-
suit has been that solvent ami imni
Oklahoma bankers have been taxed 12,-
I wu.ooo to pay losses caused chiefly by dls-
noncst and Incompetent bankers.
UUe nml Poll of Hank Deposit.
The first effect of the adoption of the
system In Oklahoma was to stimulate
tho organization of state banks and the
number Increased from 170 In February,
1KB, to 693 in January, 1911. In the same
period the number of national banks do
creased from 312 to 219. Deposits In state
banks Increased from S18,X,000 to J35.000.
C00. but despite the diminished number
of national banks their total deposits in
creased from J3S.2O0,0W to 117,500.000 In that
period After three years of trial the
burden on state banks became so great
that many wero nationalized, and in the
period from January, 1911, to August,
1913, tho number of state banks decreased
from 003 to KW and their deposits dropped
from J33.0CO.000 to J40.000.000. At the Bame
tl" 'Ylth thote that have their deposits
guaranteed.
On .May 1, 1913, the Oklohoma State
the banks. in Kancas there aro !?
guaranteed banks with J7l.O00.00O In de
poMta and 44 unguaranteed with 112 750 -
ono in depoalls. Tho guaranty fund
amounts to $111,000 l cash and JK6.000
News from the Insurance Field
ACCIDENTS OF THE WEEK
Btriew of Bee Accident Headlines for ait Week, showing the necessity of
Accldtnt Xnsuranc.
CHILDREN DIE BY
SCORES IN PANIC;
FALSE FIRE CRY
Auto Driver Fatally
Injures Girl; Sees No
Reason for Stopping
Boy Accidentally
Shoots His Sister
HEAVY CAKE OF ICE FALLS
ON DRIVER JEFF BUELL
FOURTEEN KILLED BY
EXPLOSION OF FIREWORKS
Mnn Dnnwerniialy llnrt.
Thrusts Arm Through Olsss Mr.i.
Floyd llanta, 1717 Ieavenworth street,
Mrs. Tabs Xnjnred Mrs. Charles Fall-".
! Paxton hotel, tripped nnd fell descend-
LAPSES ANDjmiR EFFECT
Impaired Lives as Likely to Lapse as
Sound Ones.
TAKES COURAGE TO CONTINUE
Health)- 3Inn Is Kncraetlc anil In
Determined to Var HI I're
mlnran, While Sickly
Lose ConroRe,
"I.lfo Insurance companies arc gradu
ally coming to the conclusion that under
normal conditions tlioso who lapso arc as
llko to bo Impaired lives as sound ones,"
says N. 55. Sncll, president of the Mid
west Life Insurance company. "Some
think that lapses nre more likely to occur
from tho former class. In fact, the ex
perience of two companies which have
kept a record of tho mortality among
their lapsed policyholders bear out this
view. The active, thrifty, energetic man
Is hopeful and courageous. He Is de
termined. As ho has tho will, he usually
finds tho way to pny his Insurance prem
iums. Such a man Is not easily discour
aged and his system is in a better condi
tion to ward off disease or to recover
fronV it when attacked. Tho. shiftless
and the .Indolent, from the. very, fact of
their being so, lack the foresight, pru
dence and 'get-there' qualities to always
pay their premiums as they fall due. If
they have tho money at the time, all
right but if they do not, they let tilings
drift, hoping for something to occur hy
which they may easily earn enough to
dlschargo tho premium. Dccauso of their
lack of energy nnd fighting qualities they
fall a prey much moro easily to bodily
Ills. The same causes which make them
succumb when the question of paying
premiums Is involved mako them lose out
in their fight against disease.
f.ond Illskn I.apue,
"While It Is true that under normal
conditions there is no adverso selection
against a company by reason of lapses,
yet when there Is any disturbance which
causes the policyholders to distrust the
management, or In the case of fraternal
companies when tho rates are raised,
then tho rule no longer holds good; and,
undoubtedly, the great majority of those
who then lapse are sound lives. They
can obtain Insurance elsewhere W they
choose to, but those whose lives arc
impaired cannot; and they are compelled
to remain In the company or go unin
sured. "An old line company, by reason of the
in bonds. Depositors In failed banks are
not paid until all obtainable cash Is se
cured from the assets of the bank and
from assessments on stockholders.
Mr. Cooke thinks the main provisions
of the Kansas law aro admirable, though
he believes tho guaranty fund Is too
small for safety.
Sonnd Ilniiklnir In XehmnUn.
in Nebraska there has- been no state
bank fulluro In eight years and no na
tional bank failure In fifteen years. That
is r fine tribute to the character of Ne
braska bankers, tho honesty of Ne
braska people and to the efficiency of
the Nebraska supervision of banks. TUi
state adopted the guaranty system In
1909, though the first assessment was not
collected until July 1, 1911. Tho guaranty
fund contains t-Sll.000. Depositors In state
banks numbering 710 with deposits of
$94,000,000 are protected by tho system. The
statistics show that tho national banks,
while not growing as fast as the state
banks, have suffered no drain from de
positors transferring to guaranteed state
banks.
The Texas deposit guaranty law has
been In operation since January 1, 1910,
There have been six bank failures since
that date, which havo cost the guaranty
fund JS3.0C0. Deposits In state banks havo
doubled and those In national banks
have Increased 25 per cent since the sys
tem was adopted. The guaranty fund
now contains oyer J750.000. Depositors
In fulled bunks are paid at once and tho
money obtained from liquidation of as
sets Is turned Into tho fund. There are
more state than national banks In Texas,
but deposits In state- banks (last April)
were JS8,M,CO0, compared with $200,600,000
In national banks.
Summarizing the results of his Inves
tlgatlQ'iR, Mr, Cooke says:
"It Is now evident that the cause of
Oklahoma bank failuros was not deposit
guaranty alone, but guaranty plus In
effective examinations. Insufficient scru
tiny of previous records of tmnks and
unfavorable economic conditions follow
ing a period of settlement and rapid
rrowth.
'The guaranty system has given op
portunities to ome reckless and crim
inal bankers In Oklahoma, but It has
not turned honest bankers Into rogues
thero or In other states. Deposit guar
anty Is not stockholders' insurance,
Stockholders must lose their whole In
RUN OYER BYTWO AUTOS
Mr. mill Mn Tt fl Tji nf Nw Vnidr I
Knocked Down by Limousine.
TAXICAB FINISHES THE JOB
Mrs, l.er Dies on OprrntliiK Table
and llimlmnd In Srrlnunly llnrt
Taxi Driver Arrested,
Oilier Driver lcniir.
Omaha Electrician is
Killed in Train Wreck
Three Killed When
Express Hits Wagon
MAN IS SUFFOCATED BY
PAINT FLOWING OVER FACE
1nnkn Steamer Abandoned.
SEATTLE, Wash.. Dec. 21. Tho Alaska
Catches root In Elevator IT, Norrls,
1S13 Cnss street, seriously crushed his
Mrs, roley Dislocates Shoulder Mrs.
Folej. 3313 South Tlovcnth street, suf-
basic principle governing tho accumula
tion of tho reserve, can easily withstand
tho shock or strain put upon It, but tho
ordinary fraternal society cannot Whon
their rates are raised or confidence In
tho company Is Impaired, it Is largely the
sound lives which drop out, leaving a
grcatev per cent of Impaired ones. To
meet thin Increasing death rate, the dues
or assessments must bo raised and the
same eliminating process of sound lives
continues to go on. For this roason It Is
a matter of considerable conscquenco to
tho Modern Woodmen of Amorleit, for
Instance, that by reason of the agitation
for an Increaso In rates, tho certificates
of membership In this order dropped from
1,183,733 at tho end of 1911 to W2,6 at the
end of 1912, and tho aggregate amount of
insuranco In forco dropped from JI.SG3,
194,000 nt tho end of 1911 to J1,C45,7K,000 at
the end of 1912. How to raise tho rates
and keep tho order going Is one of the
problems that fow fraternal societies have
been able to solve."
Inniirniice Note.
The Iowa supreme court has Just held
that, tho Insured may change tho benefici
ary named In his llfo Insuranco policy nt
will and without tho consent of the com
pany. Harry Tl. Kldon. superintendent of
agents for the Missouri State Life Insur
ance company, was In Omaha last week
visiting J. E. Austin, state ngent of Uio
company.
Tfto Brooklyn. Rapid Transit company
passed up r. home company nnd placed u
total fire Insuranco policy of J22.000.000
with the Lloyds of London. The com
pany claims to have saved J27.00O in
premiums.
Tho Michigan law Imposing a special
tax on reinsurance business' has been de
clared illegal by tho court at Lansing.
The court holds that the tax law applies
only to foreign corporations doing a direct
business In the stute.
FIro Insurance Dollcles on Louisiana
sugar mills aro being canceled, owing to
the effect of tho new tariff on tho In
dustry. A number of the planters will
not put out a crop or cano next year, and
It Is feared that a serious moral hazard
Is developing.
The Hurglary Insurance Underwriters'
association has revised Its residence
burglary rates In the various sections of
the country. Chicago rates nre left at
practically tho mono basis, while rates
In New York City have been mntcrinlly
Increased, bringing them up to tho Chi
cago imsis. a system or differential rates
for various sections of tho country was
enacted which will bring about a ma
terial reduction In localities In which the
losses havo been moderate. A reduction
averaging about 20 per cent from the
present schedule, effective March 1. was
approved for all cities of 100.000 inhabit
ants or less throughout the country; ex
cept whero specially designated are to
continue at tho present scale of rates.
New forms of policies were approved,
which aro to bo made mandatory after
March 1. together with new forms of
standard clauses Intended to moro clearly
describe and limit the coverage.
vestment before tho guaranty fund suf
fers any loss. The banker may be
tempted into unwise liberality, but not
to a dangerous extent if we can Judge
by the present experience In Kansas,
Nebraska and Texas.
Mr. Cooke believes that if tho guar
anty of deposits Is to be a success tho
fund accumulated must be greater than
Is provided for now In any of tho four
states that have It; that the guaranty of
deposits should be optional with Uio
banks; that depositors in failed banks
should not be paid out of tho guaranty
fund until all obtainable cash Is secured
from tho liquidation of the bank's as
sets. 'Whether the plan will gradually bo
adopted In other states depends on the
force of tho present social tendency to
distribute more widely by legislation tho
""'I. eVl.' f llrc- Wo'Mnmnen'.
compensation is analogous. Tho tend
ency underlying this legislation and tho
guaranty legislation nmu
. . . . . ,u iuc wnier
exceedingly strong. If this Is so, a stato
W1U rrorn tme tQ t)me
supplement Its service of ba.nk regula
tlon and supervision by enabling, if not
requiring, tho banks to effect Insurance
In a state administered fund for the
benefit of deposltors."-Kansas City Star.
KNIGHTS OF TABOR GIVE
CHILDREN XMAS PROGRAM
Members of the Knights of Tabor, a
colored organization, held a Christmas
program for children of the members
Saturday afternoon at 1513 North Twen
tieth street. A large Yuletlde tree was
provided and candy and toys and cloth
ing distributed among forty-flve young
sters. The celebration was tinder tho
directions of Mrs. '. U Sellers, Mrs.
Gladys Dent and E. M. Harrold.
Excellent for Ktomach Trouble,
"Chamberlain's Tablets are Just fine
for stomach trouble," writes Mrs. a c
Punn, Arno'd. Pa. "I was bothered with
(this coplalnt for some time and fre
quently had bilious attacks. Chamber
lain's Tablets nfforded mo great relief
from the first, and since tuklng one
i bottle of them I feel like a different per-
son." For sale by all dealers Advertise
ment. Key to the Sltuatlon-Ree Advertising.
BUSINESS MAN CARRIES HEAVY
WESTERN INSURANCE.
THOMAS KILl'ATIUCK.
TWENTY BILLIONS IN FORCE
This Vast Amount Being Carried in
United States and Canada.
500,000,000 PAID OUT YEARLY
Amerlean Life Inenrnnee Coinimnleii
Pay This Amount to FamUIr of
I nan red Whose Forestall!
I'rovldeil Proleellon.
"Twenty billion dollars is a sum not
easily comprehended, ri Is twenty times
a thousand million. It represents a pllo
of dollars so vast In dimensions its to bo
beyond tho dreams of avarice: men can
not readily grasp the magnitude of such
r hugo mass of money. It represents tho
amount of llfo Insurance lu force in tho
United States and Canada, ns shown by
tho official reports." sold Ilascom H. Itob
lson. president of tho Hankers Itescnvo
Llfo company, Omaha. "H Is equal to
tho national debts of soven of the great
est nations of the world. American llfo
Insurance companies pay out each year
about half a billion dollars to tho families
of tho Insured. This almost equals one-
half of the nutlonul debt of tho United
States. It Is tho measuro of the aggre
gate obligation assumed by llfo Insurance
companies for the protection of American
homes. Vast as It Is, the sum is Increas
ing every year, because popular sentiment
In fnvor of life Insuranco Is growing con
stantly. Among Intelligent men It is no
longer necessary to arguo tho bennflccnco
of llfo Insurance, for tho fact Is uni
versally conceded."
Bank Insures Its
Employes as Gift
As a Christmas gift to about forty-flvo
employes tho City National bank has
taken out llfo Insurance for them on tho
group plan, paying tho premiums an
nually. Tho officials of tho bank thought
this an acceptable and substantial pres
ent to make Its faithful workers, who are
thus given protection for their fnmllles
without tho worry about meeting tho cost.
The gift seemed to plcaso the bnnk em
ployes immensely.
GREAT WESTERN ADDS NEW
MEN TO AGENCY FORCE
Ten now salesmen hnvo boon added to
the agency forco of tho Great Western
Accident association, nnd Manager Wil
helm states that ho expects to appoint
about twenty moro in tho near futuro.
Mr. Wllhelm's father nnd brother hove
moved here from Zanesvtlle, O., and will
become members of tho Oreat Wcstron
farca.
Since moving Into Its new quarters lu
the llalrd building, the company hus in
creased tho number of employes In every
department In anticipation of a big ycar'a
business In 1914.
i
Persistent Advertising Is the Road to
Hlg Returns.
LOW COST OFJLIVING SHOW
Retail Grocers tn Boost Member
ship by Selling: Tickets.
PRIZE FOR BEST DESIGN
So (iroeer Who is Not a .tleniher of
the Association l" to He Al
lowed to Hnter Into the
Competition.
"America's first low cost of living
show" Is to bo tho slogan on a shield
that has been approved by the Ornaha
Retail Grocers' association for the comlrg
low cost of living show to be 'hold n the
Auditorium In April. A plan for lncrcas
Ing tho membership of tho Omaha Retail
Grocers' association through tho low cost
show has been formulated by Secretary
P. H. Hansen of the association. Tho
membership In tho association now com
prises about C5 per cent of tho best
grocers of tho city.
Tho plan Is to let each member of the
association take a given number of the
tickets for tho low cost show and sell
them. A commission would be paid to
the grocer, if tho directors of tho show
agree to tho plun, This would bring rev
enuo to the grocer selling tho tickets nnd
would also be a means of selling a lot of
tho tickets which Is desirable to tho di
rectors of the show. Discounts on the
tickets are to bo made to housewives if
they tako advantugo of the opportunity
to buy their tickets in advance.
No grocer who Is not n member of the
Retail Grocers' association Is to be al
lowed to sell these tickets on commis
sion, according to Secretary Hansen's
plan. By this means he hopes to en
courage all to Join the association in
order to be allowed to handle the tickets.
A prize of $23 in gold Is to bo offered
for the best sketch or design that will
fittingly IllUHtrute the purpus of the low
cost show. Only Nebraska and Iowa art
ists may compete In this skatching
Although Feveral requests have already
come in for floor space for the show, tho
committee will let none for a fow days
until all the plane are complete Thero Is
to be a regular meeting Friday night
A NEW YEAR'S RESOLUTION:
If your neighbor would pay you tho premium charged by
tho Great Western, could you afford to glvo him tho protec
tion which Its policies provide? If not, am you afford to
enrry your own lnsttrnnco7 Of course not. Then this should
bo your Now Year's Resolution:
Kcsolvcd, That In tho futuro I will rnrry my health and
accident Insurnnco with tho OH13AT WESTKIIN.
ARE YOU
O. Wilhelm, Manager
NEW BAIRD BUILDING, 17TH and DOUGLAS STS.
Phone Douglas 3316
SALESMEN WANTED
1914
Who Knows What the Xow Ycnr
Will llrinR to You or Mo?
Protect your family with a policy In
T1IH XATIOXAIi MFK
J. V. STARRETT. suto A"nt-
l 403 FAXTOH BIOK.
'
1914
A New Year's Resolution,
A Monthly Income Policy,
For the Wifo and Kiddies.
Tom S, Kelly "The M" "
Accident Insurance
Wheeler & Welpton Co,
1S11 DODGE STRUCT.
ACCI
DENT HEALTH
SURETY
BONDS
LIABIL
ITY PLATE
QLASS
AND
Wo aro Isaulnff tho most Ubernl polt-
PatroiiM and honcnt, adjustment of their
NATIONAL
FIDELITY AND CASUALTY
COMPANY
OMAHA.
National Fidelity and Casualty Building
Company's Property.
Before deciding
on your Insur
ance 'phone D.
127C, and fask
about tho new
ni low Gobi, an
l guaranteed pol
I Idea, all plans.
li 1 r e Liitnitea
Payments, E it
d o w in cuts,
Joint or Part
nership. Corpo
ration and Monthly Income or Pen
Blon Policies,
The Prudential Ins. Co. of America,
Inc. as a Htock Co., by New Jersey.
2C BBDOE CARFSXrrBB, Mgr.
for Ncbntska and Houtli Dakota.
019-33 City Kat'l Bank Blag., Omaha
V
LITTLE GIRLS TAKE GIFTS
Christ Child Society Gives Pleasure
to Three Hundred.
MEMBERS OF SEWING CLASSES
Prominent Cntlinllu 'Women "Who
Com pour Chnrltnhle (Iritanlsntlon
AKrru to Make at I, east One
Child Happy.
A pandemonium of happiness reigned
unrestrained for uovcrul hours yesterday
afternoon In tho parlors of the church of
Ht. Mary Magdalene, Nineteenth and
Dodgo streets, when the Christ Child so
ciety, an organization of prominent Cath
olic women, gave Its annual Christmas
trco celebration, with gifts of clothing,
toys and candy, to over 300 little girls of
foreign parentage, most of whom belong
to tho society's classes.
As tho largo Christmas tree was lighted
and Santa Onus appeared, the eyes of
thu little ones almost popped out' with
surprise and Joy, which wero Increased
when largo paper bags were distributed
and then filled with the many gifts pre
pared by tho women in charge.
Warm coats and nlco new shoes, pretty
blocks an', toys, and nlmost a surfeit of
candy, popcorn balls nnd big. Juicy
oranges wero distributed. The excitement
was great and more than one stately
society Matron was literally mobbed by
tho kiddles, who gatlf'-d nround with
outstretched hurds a', the trays of good
things wero passed.
(rub Unit t'lnnl Hellxa
After all the gifts had been handciteout
and the children had enjoyed the brilliant
tree to their hearts' content, the final
excitement was Introduced, In the form
of an Immense grab bag. As each little
miss passed out of the door to go home,
laden with her bag of gifts and some
times with another bundle besides, tho
little grimy hands Were nlunced into the
. grab bag and shrieks of astonishment
and pleasure were uttered as the surprise
packages were opened.
Tho Christ Child society Is composed of
about SS0 Catholic women, the Idea of
each being to make at least one child
happy at Christmas time. Throughout
tho year they conduct classes In sewing
at St. Phllomcna'a school, Fifteenth and
Leavenworth streets, whero hundreds cf
j llttlo Italian, Syrian and other girls of
foreign parentage learn to become good
American housewives wheu they grow up.
Tho organisation is a branch of the
National Christ Child society, which was
founded many years ago by Miss Mary
Merrick of Washington, D. C who has
devoted her llfo to tho work Miss Stella
; Hamilton, who Is now In Europe, started
the local society about eight years ago
and Mrs Phil McShane Is Its preilden
fir 3k
mm
INSURED?
1914
1914
PHOWB novo, 183.
"State Mutual Life"
OF WORCESTER, MASS.
ONE OF THE 0LBE3T-63 YEARS
nnd Best Companies on
Karth.
W. H. INDOE
General Agent
053 Uco IUdK. OMAHA,
XT IS ALWAYS 80.
"When your neighbor dies, one of tho
questions that Is sure to be asked Is
"How nuich Insurance did he carry?"
Tho question Is not: "Did he carry any
Insurance?" It Is Assumed that every
careful, prudent man lias eomo old Hnv
llfo Insurance.
Some day tho some question will be
asked nbout you. We ask you the ques
tion now. How much do you carry nt
this time? not what you Intend to carry
som" time. "Going to" has left many
an estate In a bad plight. "Going to" In
not an ussot which can be realized on
by your fumlly after your death. Insure
now In
The Midwest Life
N. Z. 8 NELL, President
A NEBRASKA STOCK COMFANT
SELLING NON.rARTIClPATIHC LITE INSURANCE 0NLT
FIRST NATIONAL BANK BUILDING, LINCOLN.
OMAHA AOBMOY
orrr national bank buxz.zxo.
OEORQE OROOXBB, P. A. JTINNEY.
Qensral Arnt.
Youir Insurance
Business
Can be advertised
as profitably as
any branch of
merchandising.
TRY IT on
The Bee's
Insurance Page
Advertising is the
Only Logical Way
to Boost Business
"It was not so many years ago thai
advertising was considered unethical from
u business standpoint." says L. L. King,
manager of the advertising department
of the doodyear Tiro and Itubber com
pany, Akron, O. ,
"Many of the finest old lwmes held
nloof, saying that they did not havo to
advertise. Even today there are somo
business and professional men so bound
by custom and tradition that they havo
not yet availed' themselves of tho advan
tages of advertising. Dy so much as
these customs hold out, by Just so much
Is the public deprived of knowing all
about these professions and businesses.
"The most successful and the only hon
est way to deal with the public," soya
Mr. King, "Is to 'play the game out In
the open.' If there are truo and Interest
ing reasons why tho public should buy
something from a certain manufacturer,
then thin manufacturer should be glad
of the chance to say so over and over
again, through the medium of reliable
newspapers,
"Many instance's can be cited where
present manufacturers gained a world
wide reputation, and their product be
came known throughout the entire .uni
verse, simply through their aggressive
ness in pushing their goods through the
aid of these various hlgh-clats mediums. '
Cruel Mistake
is to neglect a cold or couch. Dr lontr'n
, -.c wiDi:ui;iy IUICB IIIVII! mm may i rt-
I vent consumption. 00c and 1.0. For ra e
by your druggist, dvert si meat.
TM..A-.. ... .1 , .