5W?' .'IWI'S,?!11.''
THE BEE: OMAHA, TUESDAY, OCTOBER 29, 1918.
I.
GALLAUX PLOT
IS DISCLOSED BY
COUNT Ml NOTTO
Evidence for Use in Trial of
Former French Premier
Son-in-Law.
PEOPLE'S WAR,
NOT WILSON'S,
SAYS COLONEL
New York, Oct. 28. Startling dis
closures regarding the alleged nego
tiations of Joseph Caillaux, one time
premier of France, and Count von
Luxburg, former German minister to
Argentina, intended to re-establish
Caillaux in power in Pans in 1915
and bring about, a separate peace
with Germany, have been made to
Deputy State Attorney General
Becker by Count Jame Minotto, an
interned enemy alien, the state of
ficial announcement here late today.
The deposition of Minotto, who is
I son-in-law of Louis Swift of Chi
cago, has been forwarded to the
French ambassador at Washing'on.
Mr. Becker said, and a summary of
it has been -abled to France for use
in. the trial of Caillaux for high
treason, which opens tomorrow.
The full text also is on its way to
Paris by a fast steamship.
Minotto was brought here last
week from Fort Oglethorpe.
Georgia, by special agants of the
Departmentof Justice, acting upon
the request of the deputy attorney
sreneral. who was commissioned by
the French government to investi
gate various phases of German in
trigue in this country against France.
He talked freely, Mr. Becker said,
and gave information which the offi
cial declared would be ''important"
in the prosecution of Caillaux.
Makes, Clean Breast.
Minotto, who cames of an old
". Italian family, but who was born in
, Berlin, went to Buenos Aires in 1915,
and took part in extended confer-
eneces between camaux , men
on a speciay mission to Ar
gentina for France, and Lux
burg, according to Minotto's
sworn statement. The count, Mr.
Becker said, was reluctant at first
to reveal his knowledge of the al-
. leged Caillaux conspiracy, but fin
ally confessed his entire connection
with the Buenos Aires negotiations.
T'.e details of his testimony, the of
ficial said, would not be made putr
- lie until they have been offered in
evidence in the Caillaux trial.
' Count Minotto, Mr. Becl.er stated,
exhibited decided anti-German senti
ments during their long interview,
and appeared anxious to give all the
information in his possession to the
authorities. His testimony was cor
roborated by interviews with other
persons, Mr. Becker said, and the
collateral depositions, as well as that
of Minotto. were delivered to the
French embassy.
Minotto, the official stated, though
atparently not commissioned for the
purpose by the Germ government,
' served as a go-between in the
. Caillaux-Luxhuig conferences.
PIltlNES
f ARE BREAKING
(Continued from Page One.)
, have opened fire against the back
lines of the enemy with their new
long range guns and are heavily
; bombarding Lohguyon, some 15
miles distant from the American
first line positions. It is over the
territory through which the Ameri
can guns are throwing their shells
that the Germans have been rein
forcing their lines eastward, and
should the blasting process prove
effective in blazing a trail along the
Meuse for a quick aoance by the
Americans, it is not improbably
that a German retreat from the reg
ion east of St. Quentin, northwest
ward to Luxemburg will be necessi
tated. 1 , Allies' Cross the Piave
On the northern Italian front
y hard fighting is in progress between
the Brenta and Piave rivers. Along
the Piave the allied troops have
v been successful in crossing the river,
inflicting heavy casualties on the
enemy and taking more than 9,000
friso: ters.
In Albania the Austrians have
been driven by the Italians in the
region of Ilessio, which lies 20
miles Southeast of Scutari just south
of the Montenegrin border. In
Serbia the Austrians have evacuated
Kraguievatz, 55 miles southeast of
Belgrade, and are still in retirement
toward the Danube.
The Turks are fast being driven
out of Mesopotamia, having reached
, a position more than 155 miles
' north of Bagdad, while in Syria
General AJlenby's troops are keep
ing in close contact with the Otto-
.man forces north of Aleppo.
Liggett and Bullard Now
i Are Lieutenant Generals
7 Washington, Oct. 28. The senate
today confirmed the nominations of
.- Major Generals Hunter Liggett and
Robert L. Bullard to be temporary
lieutenaant generals. They command
the first and second American
' armies in France.
v
The Weather
1915.
!
4?
S8
00
Comparative Local Record.
- his. lm. ltic.
'Highest yesterday -. .(3 44 66
I.owst yesterday ....31 29 53
Mean temperature ..43 36 60
Precipitation 65 .01 .00
Temperature and precipitation depart.
urea from the normal:
Normal temperature 43
Deficiency for the day ,,..
. Total excess since March 1. ,. 793
Normal precipitation ....... .6.07 Inch
Deficiency for the day 0.03 Inch
Total rainfall since March 1. .15.93 inches
Deficiency since March 1... .10.99 inches
- Deficiency for cor. period, 1917 583 Inch
Deficiency for cor. period, '16 11.73 inches
Reports From Station at I F, M.
Button and Slate Temp. High- Rain-
of weather. 7 p. m. est.
Cheyenne, part cloudy 38
DaTenport, clear . .... .54
Dearer, rainlnc -...'...44
Dee Moines, cloudy. ...54
, Dodte City, cloudy.. ..41
Lander, clear 44
North Platte, cloudy.. 43
, Omaha, cloudy .......49
Pueblo, cloudy 46
; Aapid City, cloudy. ... 48
Bait Lake City, eloudy 44 -Santa
Fe, part cloudy 38
, Sheridan, ralnlnf ......43
Blow City, part cloudy 4 "
Valentine, cloudy.... ..66
"V indicative trace of precipitation.
L. A. WELSH, Meteossloclst
14
tall.
.04
.00
.T
.60
.00
.00
.00
.65
.T
. T
.00
.63
.63
.66
.T
(Continued from Pae One.)
and "has sullenly and sometimes
maliciously sought to punish the men
who by their truth telling have
forced it into action."
"In a word," the colonel 'said, "the
democratic party under the lead of
the administration, has carried par
tisan politics during the last eighteen
months to an extreme never before
known in this country in a time of
war, as among loyal upholders ot
the war. It has come "dangerously
near creating a condition of one
partyism." Much Time Lost.
"The test insisted upon has been
not loyalty to mr allies and hostil
ities to Germany, but adherence to
the admministration," he declared,
..dding that Presi' -t Wilson's re
quest of October 14, that citizens
should subscribe to the loan, but
"leave to the government of the
Uniter States and of the allies the
momentous discussion initiated by
Cormany. It could be interpreted
as meaning they should both put up
and shut up." Colonel Roose :
asserted that "if the admin tration
had used with moderate efficiency
the results of lavish generosity of
c r"?s. our armv and the allied
armies would have been doing last
March what they are actually- doing
nr w in October."
After asserting that this war must
be put through to our last man. and
our last dollar," the Colonel declar
ed that "We should accept no peace
not based on the unconditional sur
render of Germany and her vassal
states."
Notes Are Boomerang
He asserted that the President's
latest notes had placed him in such
a position that" he had either to "sac
rifice America and humanity" or to
"respond in such a manner as to
stultify his own diplomacy and re
pudiate his own implied offer."
"It was not a pleasant thing for
America that he should have put
himself and the nation behind him,
in the position of inviting a proposi
tion which when accepted he repudi
ated." declared the colonel. "For
the reason that I abhor Germany's
trickery, treachery and bad faith, 1
am most anxious that Americans
shall not imitate her in these mat
ters." 14 Points Dangerous
Asserting that peace would he
settled not by the president alone
but by the president acting in con
junction with two-thirds of the
senate, the colonel continued:
"When it conies to the peace nego
tiations, we should emphatically re
pudiate the famous fourteen points
announced by the President last
January. One of them he has him
self repudiated and the remainder
are either so mischevous that they
ought to be repudiated without fur
ther definition or else we should in
sist on having them defined in order
to know exactly what they mean.
They have been greeted with en
thusiasm by Germany and by all
pro-Germans on'" this side of the
water, especially by the Germanized
socialists and by the bolsheviks of
every grade and for this reason good
Americans should regard them with
suspicion."
Support of War.
Contrasting the president's ap
peal with Lincoln's "outright re
fusal, even in, the darkest days of
the civil war to apply 'any party
test to fitness for office," the colonel
said that Lincoln "appealed to al!
loyal men of all parties and asked
that candidates for congress be
judged, not by the standard of ad
herence to his personal administra
tion, but by their unconditional sup
port of the war."
"The statement about President
Lincoln sufficiently answers the
claim of the democratic organiza
tion that President Wilson at this
time occupies a position corre
sponding to President Lincoln,"
continued Mr. Roosevelt, "a claim
which is entitled precisely to the
consideration we would give to a
statement that President Buchanan
in 1860-61 stood where Presi
dent George Washington did in
1789-90 because each announced
that he was for the union.
Not the Same.
"The same organization also pro
fesses to see a similarity between
my plea in 1898, at the time of the
Spanish war, for a republican con
gress because the republican party
was pro-war and Mr. Wilson's plea
at the present time against a repub
lican congress in spite of the fact
that he is pro-war. When I spoke
in 1898, the peace proposal hand been
signed but not the final peace treaty.
The democratic party, through ev
ery democratic state convention,
had denounced President McKin
ley's war policy and two-thirds of
them had declared in their plat
forms for free silver and for the
nomination for president of Mr.
William J. Bryan, the anti-imperialist
and pacifist.
"The New York state democratic
convention denounced McKinley's
administration as a disgrace to the
nation; so did the Connecticut con
vention and the New Jersey conven
tion and every other democratic
convention with which I was then
familiar, and I was familiar with the
proceedings of most of them.
"The democratic conventions of
Nebraska, Arkansas, California,
Colorado, Iowa, Massachusetts,
Michigan and Tennessee, had de-
nonuced President McKinley's ad
ministration for trying to raise a
war loan of $200,000,000. When
Mr. Ferris, the chairman of the dem
ocratic congressional committee,
says that when William McKinley
was commander in the war with
Spain, the people never failed him.
he is quite right, but he omits to
mention the fact that this was be
cause the people repudiated the
democratic party and that the best
and most loyal and most patriotic
democrats were foremost in this
repudiation.
Republicans Pro-War.
"Such were the conditions when
I asked for the election of a repub
lican congress because the republi
can party was pro-war, because it
stood for the Liberty loans of that
day, and because it stood for the
peace of overwhelming victory, and
because after having enforced un
conditional surrender in Cuba, Porto
Rcio and the Philippines, it insisted
upon the peace of overwhelming vic
tory; no parleying having been held,
and no notes exchanged, and no
conversation indulged m, and no
Colonel Houses sent abroad until
Manila and Santiago fell and the vic
tory was an accomplished fact.
"The democrats at that tune
through their party organizations
were against the war, were against
the peace of overwhelming victory,
and denounced the Liberty loans
which were then called war loans.
Their candidates, notably here in
New York state, were assailing me
on the ground that to elect ine
meant to approve the war and they
were against the war, and this in
spite of the fact that the fighting
had finished. They were conduct
ing their campaign on the explicit
ground that they intended to elect
a democratic conpress in order to
prevent the full accomplishment at
the peace table ot the results ot t Me
war.
"I made in:iy appeal tor the elec
tion of the republican congress be
cause it was pro-war. I made my
appeal to stand by McKinley's ad
ministration because that adminis
tration was pro-war.
"President Wilson in his appeal
says that the republican party is
pro-war, but that he is against it be
cause it is anti-adniinistraion. In
other words, he admits that you can
be pro-war and anti-administration,
and a half the democrats, whom
his appeal is intended to seat in
congress, are. anti-war although
pro-administration.
Refers to Records.
' I refer to the record of the dem
ocratic leaders like Messrs. Kitchin
and Dent and ask to compare them
with the record of the republican
leaders like Messrs. Kahn, Weeks.
McCormick, Lodge, Poindexter and
the rest. But this is not ill. The
peace that Spain ratified was because
we had an overwhelming republican
majority of the senate. A few up
right and far-sighted democrats
went with the republicans, two or
three pacifist republicans went with
the democrats, but the overwhelm
ing majority of the republicans were
for the peace of victory which fol
lowed unconditional surrender."
"The overwhelming majority 6f
the democrats were against it. The
event showed that not only was my
appeal necessary, but that if it had
not been effective the result would
have been ruinious to this country.
"I recapitulate, at this time, the
republicans have been pro-war, pro
Liberty loan, pro-unconditional sur
render, and Mr. Wilson opposes
them and asks for a democratic
majority which shall include all the
democrats who are anti-war, anti
Liberty loan and anti-unconditional
surrender for of course the anti
draft democrats were if not anti-war
at least anti-efficiency in war.
In other words, I stood for pa
triotism against politics in 1898, and
I stand for patriotism against poli
tics in 1918."
MONARC
iii
Between common
corn flakes
and the wonderful
IfMSTI
there s no differ
ence in price -T-
ihe difference
in flavor
is "tremendous.
DUAL
SEEKING PEACE
(Continued from face One.)
obliged to permit the Hungarians to
shift for themselves in the peace
settlement if they persist in the sep
aratist movement already in full
swing, but there are intimations in
official quarters that by no such
means can the Magyars escape the
assumption of full responsibility
for their share in the war and for
the acts of oppression they have
practiced upon the helpless minor
rationalities iwithin the confines of
Hungary and in the Balkans.
Vienna and Berlin in Accord
The fact that Austria has anti
cipated Germany all through in the
various peace moves without visibly
exciting any resmtment at Benin is
taken to mean that the, two are
working in perfect harmony. Indeed
it has been .suggested that in her
present disorganized and demoral
ized condition Austria no longer is
an asset, but a distinct drain upon
Germany from the military point of
view, and conseqquently, that even
though intending to continue the
war on her own account, Germany
would be willing to allow Austria to
droD out, provided she could be in
sured against an attack from the
entente forces from the south.
Warning against any peace with
Austria that would not give the
allies free passage through that
country to attack the Germans from
the south was sounded here today
bv Captain Vasite Stoica, now in
Washington, who represented the
Roumanians of Austria-Hungarv in
the conference of oppressed nation
alities last week at Philadelphia and
who was wounded fighting against
the Austrians and Germans.
Captain Stoica said that if im
mune from attack from the south,
the Germans, by withdrawing to the
natural defenses of the Rhine in the
west might be able to carry on the
war several vears because on this
shorter front the allied superority of
forces could not be used to full ad
vantage. Andrassy Named Cabinet Head.
Amsterdam, Oct. 28. The Vienna
Gazette today published a letter
signed by Emperor Charles appoint
ing Count Julius Andrassy to suc
ceed Baron liuriau as foreign min
ister and president of the Austro
Hungarian cabinet council.
hmperor Charles in an order to i
the army and navy dated October
23, which also is printed in the
newspaper, announces that the day
bringing peace to the homes is com
ing nearer. The emperor appeals tc
all to "maintain loyalty and obedi
ence in these grave times full of con
fusion which must not spread to
the army and the navy."
Emperor Charles and Empress
Zeita of Austria arrived at Schoen
brunn palace Sunday morning from
the Royal chateau at Goedoelloe,
near Budapest. The emperor imme
diately received Count Julius An
drassy. the new foreign minister,
and Professor Lammasch, the
premier.
A dispatch from Berlin says a
proposal that President Wilson's
note to Germany should not he dis
cussed in the reichstag, was adopted
by that body aOa meeting held on
Friday. The conservative and inde
pendent socialists voted against itt
Revolt at Budapest
Paris, Oct. 28. Grave troubles
have broken qut at Budapest as the
result of the appointment of Count
Julius Andrassy, who is suspected of
Germanophile tendencies, to be the
Austro-Hungarian foreign minister,
says a Zurich dispatch to the Matin.
A committee of workmen and
soldiers has been formed to repre
sent the extremist party in impend
ing events.
Situation in Austria Grave.
London, Oct. 28. As the British
and Italians along the Piave made
progress in enlarging the bridge:
head east of the river, grave reports
regarding ( the situation in Austria
Hungary continue to be received in
London.
It is reported from Amsterdam
that the announced preparations for
the demobilization of the Austro-
Hungarian army has had a very de
pressing effect in Berlin.
A telegram from Zurich says that
the revolutionary movement at Fi
ume is spreading throughout Croa
tia and that Delnice, 48 miles east
of Fiume, and Segna Ogultn are in
the hands of the-Tevolutionists. An
other Zurich' dispatch says that
Count Tisza, the Hungarian con
servative leader, has declared that
in his opinion the conclusion of a
separate peace between the entente
and the different nationalities of
Austria and Hungary is only a
question of time. The Frankfort
Gazette says concerning this ques
tion: "We resign ourselves to the com
plete capitulation of Austria-Hungary
within a few days."
T- 1 1-N 111 11
Baker Uemes All men
In Draft Up to 45 Will
Be Called by January 1
Washington. Oct. 28. The War
department does not plan to call all
men within the draft age up to 45
years by January 1, Secretary Baker
said in discussing press dispatches
:ing John R. Mott, internation
al secret-or of th Y. M. C. A., with
saying that he had been so informed
by Mr. Baker.
S:cretary Baker said war work is
not being slowed up because ot t!.e
peace discussions. The only delay
he said, which has been called to his
attention is due to the epidemic of
influenza. This he added was tem
porary and was being overcome rap
idly. U-Boats Bound to Their
Bases, Belief at London
London, Oct. 28. The white flags
reported by crews of vessels yes
terday at Stavanger as having been
at the mast heads of several Ger
man submarines passing Karmo is
land last Saturday doubtless were
mistaken for the German battle flag,
which is white with a black eagle in
the corner. At the British admiralty
today it was thought the U-boats
sighted were probably returning to
their bases in view of the apparent
German policy of submarine inactivity.
Heaviest Rain of Season
Welcomed by Farmers
Fremont, Xeb., Oct. 28. (Special
Telegram.) The rain of Saturday
and Sunday amounted to 2.20
inches, one of the heaviest rains of
the entire season. The moisture
was welcomed by farmers. Wheat
is making a tine growth and alfalfa,
that showed signs of damage as a
result of the drouth, has started a
new growth. Much fall wheat will
yet be seeded. Pastures are green
er now than any time this season.
BELLED WOOD
AGAIN IN HANDS
OF AMERICANS
(Continued from Pace One.)
done by the bombing expedition
conducted yesterday by allied avia
tors.
Fires started by bombs dropped in
the region, of Briquenay, five and
one-half miles north of Granpre,
were still burning today.
Of five American aviators missing
cm Sunday four were reported dur
ing the night as having landed
within the American lines.
By Associated Press.
With the American Army North
west of Verdun, Oct. 28. Two Ger
man airplanes were downed this
morning inside the German lines by
Lieut. Samuel Colton of Worcester,
Mass., and Lieut. L. C. Holden of
New York.
Clery-Le-Grand Cleared.
Night patrols reported early to
day that Clery-Le-Grand had been
cleared of the Germans.
Farther west observers during the
day reported that enemy machine
gun emplacements were in process
of construction at various points
and that infantry is digging in in
the region of the La Dhuy farm,
east of the Bois Des Hazois.
Take Aerial Photographs.
Aerial photographs, taken within
the last few days, indicate that the
Germans are not devoting much
labor to organizing their front line
or forward positions, leading to the
belief that they possibly will fall
back upon as yet unidentified posi
tions in the rear if they are com
pelled to do so.
The photographs show that even
the existing trenches have not been
worked over recently except at one
or two places in front of Landres
St. Georges. The work has been
limited to fox holes and organized
shell holes.
Take Advantage of Terrain.
The enemy probably intends to
defend his positions chiefly by tak
ing advantage of the natural fea
tures of the terrain, just as he has
done at all points on this front
since he was driven past the Volker
line September 26.
Experts figure that it is the in
tention of the Germans to delay any
advance of the Americans and ren
der such advance as costly as pos
sible by covering the Landres-St.
Georges ridge from positions imme
diately behind it, basing their de
fense up on the dominating ground
to the north and west and taking
advantage of the hills and woods on
other parts of the front.
GERMANS FEAR
BREACH AT METZ
(Continued from Pace One.)
parallel trenches have been con
structed and three on the reverse
side of the slopes. The greater part
of this system has only recently
been completed. Two additional
lines in the rear have already been
planned and traced out and a double
system of dugouts and machine
gun emplacements has been pre
pared. This position is continued
in the direction of Marsal and Mul
cey. Another position has been hastily
organized depending upon the
heights of Juvelize and Donnelay.
It runs along the ridge upon which
is situated Marimont chateau and
passes about a third of a mile from
Bourdonay; it tollows the southern
outskirts of Maizieres woods and
finally reaches the southern out
skirts of Rethicourt forest and the
heights of Foulerey, east of Avrt
court. The southern pivot of this forti
fied position is situated northwest
of Cirey. The greater part of the
line is strong with electrically
charged wires, the current of which
is furnished by high tension gener
ators, plants being located at the
Salins George, Morhange and Sar
rebourg. Two Brothers, Soldiers,
Buried at Brainard
Fremont, Neb., Oct. 28. (Special
Telegram.) The funeral of Private
Harry Porter, who died at Camp
Mills, N. Y., was held at Brainerd
where his brother, Charles Earl, who
died at Fort Wayne, Ind., while at
one of the military camps, was
buried. Delay in the arrival of the
body of Harry caused a, cancellation
of the plans for a double funeral. .
A recuperative diet In influenza. Hor
lick's Malted Milk, very digestible. Adv.
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dealings with business houses in those lines of activity which lend
themselves with particular facility to insurance in mutual carriers
a greater degree of mutualty than has heretofore existed between
stock companies and their policy-holders.
AS TO FAILURES.
One of the stock arguments especially by special agents of
Stock Fire Insurance Companies is that there are more failures
among Mutual Fire Insurance companies than Stock companies.
The Insurance Index of New York, published in August,
1918, Side Lights on American Insurance History during the past
fifty years, on the occasion of the fiftieth anniversary as an in
surance journalist, R. B. Caverly, Editor of the Insurance Index.
Under the head of insurance in Massachusetts during fifty
years, 1867 to 1917, we read the following: In the year 1867 Bos
ton was the home offices of twenty-one joint stock fire companies
and there were eight other Massachusetts joint stock companies
that had their offices in other parts of the state. Every one of
these companies have since passed out of existence, the last sur
vivor being the Mercantile, Fire and Marine which re-insured in
the American Central of St. Louis in 1912.
There were forty-six Mutual Companies doing business In
Massachusetts in 1867 of which the majority may still be found
doing business today.
It is significant to note from the above record of fifty years
insurance in Massachusetts by the Insurance Index that a ma
jority of the Mutual Insurance Companies doing business in that
state in 1867 are still doing business today, while every one of
the Stock companies doing business at that time have gone out
of existence.
Another interesting item in the Insurance Index of the above
date is with reference to tie Aetna Insurance Company of Hart
ford, which began business in the summer of 1819, by putting up
fifteen thousand dollars ($15,000.00) in cash and stockholders'
notes amounting to $135,000.00 more, making a capital stock of
$150,000.00 with which to begin business. The first policy was
written on August 17, 1819.
The Index says it should be noted that the notes for $135,
000.00 were redeemed not, however, by the subsequent payment
of cash, but by Stock Dividends for the business proved profitable
to the stockholders almost from the start. In consequence to ex
tend its business the capital was doubled by the sale of additional
stock and in 1854 it was further increased to a half million, one
half of which was paid in cash. Subsequent stock dividends raised
the capital to three million in 1866.
In accordance with the above statement, there never was but
$210,000.00 in cash paid by the stockholders on the total capital
of $3,000,000. The balance was paid from stock dividends. '
Another interesting item in the Index is fifty years of fire
insurance in New York, which says: In 1867 there were 108 joint
stock fire insurance companies doing business in New York. Of
these 108 companies only fourteen remain in business today and at
the same time the total failures in New York stock fire insurance
companies since 1867 have numbered 156 other Companies that
have come and gone within that time. The record shows that
85 of all the stock fire insurance companies organized in this
country have either failed, retired or re-insured their business,
leaving only 15 of all the stock fire companies that have ever
been organized in thi3 country remaining in business, while only
24 of the Mutual Companies organized in the United States dur
ing the same period have gone out of business, leaving 76 of all
the Mutual Companies organized in the United States still doing
business. These are facts about the history of fire insurance in
this country.
The records further show that no Mutual Company that
ever succeeded in getting assets together amounting to $200,000.00
has ever failed.
NEBRASKA NATIONAL'S PLAN.
On all classes of town property, including mercantile and dwelling risks. It collects the same Premium as Stock Companies, ac
cording to the Nebraska Inspection Bureau's estimates and holds the same Legal Reserve as is required of Stock Companies by the
Nebraska Insurance laws. Expenses are kept at the lowest possible point, consistent with good management and at the expiration
of the policy, returns the profits to the policy-holders.
Now Paying 20 per cent Dividend on All Fire Policies at Expiration.
$112,500 Invested in Liberty Bonds for the Protection of Policy Holders.
This Company, in view of its patriotic spirit and financial strength deserves the support of every good citizen and property owner
of Nebraska. Insures all classes of town and farm property including automobiles, threshing machinery and hail insurance on growing
crops. 'Remember it costs no more to insure your property in the Nebraska National than in any other responsible company and you
share in the profits.
Nebraska National Insurance Co.
Old Line Legal Reierr Mutual Company, Established 1899, 20th, Year.
Over One-half Million Dollars Losses Paid Policy Holders.
HOME OFFICE
Fourth Floor First National Bank Building, Lincoln, Nab. Phone B-488.
AgenU Wanted in Open Territory.
ALFRED M. BEST, head of the A. M. Best Company, pub
lishers of Best's Insurance Reports, spoke before the National
Association of Stock Company Fire Insurance Agents on "Com
petition of Mutuals." He said:
The classes of mutual fire insurance companies which com
pete most keenly with the stock companies and their representa
tives are:
1. The Factory Mutuals.
2. Lumber mutuals, specializing on both sprinklered and
Zr Flour, grain and elevator materials.
non-sprinklered woodworking risks and on lumber.
4. Mutuals writing, through agents, general business or
some SDecial classes. (N. B. Nebraska National writes all
classes throup-h agent.) '
5. Hardware and imolement mutuals.
Companies of thpse classes have made ranid strides in the
last ten years. The following figures showing the growth of the
five groups during the past ten years contain much food for
thought.
The factory mutuals had cash assets at the end of 1917 ag
gregating $32,407,773, the cash surnlus amounting to $13,287,894;
and cash premiums for the year 1917 amounting to $24,934,522.
In addition to the cash assets mentioned, these mutuals have
enormous contingent resources.
The lumber mutual group showed at the end of 1917 eash
assets of $4,175,158, as comnared with $1,102,698 ten years be
fore; and a cash surplus of $2,378,937. against $684,183; and
their net premiums in 1917 were $2,496,083, against $808,566
in 1907.
The grain and elevator mutuals show similarlv rapid erowth.
Their cash surnlus Increased from S2.479.250 in 1907 to $5,814,
980 in 1917: the prem'nm income for those years being, respec
tively. $2,175,893 and $6,117,786.
The general group increased their surplus from $1,667,851
to $3,073,653, and their premium income from $2,648,417 to
$4,995,882.
The hardware mutuals show still more remarkable growth.
Ten years ago their cash surnlus was $129,627 and at the end of
last year it was $1,092,047. Their income increased from
$170,529 to $1,358,340;
GROWTH IN INCOMES.
The four last mentioned groups (taking in all but the Fac
tory Mutuals) increased their income in ten vears from
$5,803,416 to $14,968.041 nearly three-fo:d. Adding in the
business the mill mutuals. the total tiremium of the groups re
ferred to herein was $39,902,563. Back of this volume were
cash assets of $70,807,696 and a net cash surplus of $33,255,756.
The contingent resources amounted to not less than one hundred
and fifty million dollars. There was never a time in the history
of the insurance business when mutual companies were so
strongly intrenched as today.
It must be remembered, in considering the achievements of
these companies, that, besides so largely increasing their cash re
sources, they have been turning back to their members dividends,
or savings, running as high as 40 per cent of the premiums paid.
Many of these concerns which are mutual in form are so
sound in their principle and practice that it is both unfair and
foolish to represent them to be of any other character. I am sure
you must realize that the stock arguments in condemnation of
mutual insurance have been considered, discounted and discarded
by intelligent business men everywhere. Otherwise, we should
not now be witnessing so rapid an increase in public favor of
these forms of insurance. It seems to me, therefore, that unless
the stock insurance interests are prepared to abandon certain fields
to the mutuals they must devise some plan to introduce into their
I, 1
i TriompscmrBelcieiv &(h
I J Eitabltshed 18 8 6 0
The Fashion Qenter far Women j
j
HAVING foreseen the phenomenal
increase in the cost of fur, cloth and J
labor involved in the production of
Women's apparel of the higher type, we
made our plans accordingly.
Hence we are able to offer fashions
throughout with a true sense of economy
which reflect the spirit of the times, yet do
not depart from the usual.
Thompson-Belden Standard
If Tailor Made Suits
H Gowns and Dresses .
Motor and Street Coats
1 Costume Blouses
If Superb Furs
No extra charge for the alterations.