davidaulloa/AmericanStories huggingface dataset:
Omaha daily bee., 1891-02-08

and pressing necessity, not only because IL
will attract new capital and population, but
because IL will prevent, in a large degree, the
loss OF capital already invested and h clip to
retain the people already there, To develop
the region for what 1t may hereafter become,
is duty to the state. To develop IL for the
sake of the men and women who are now
struggling for existence on its rich but ARID
acres, is duty to humanity. Both duties
are urgent, but one is sacred.
Much more could be written OF the posi-
bilitlos Of the arid region. II would be easy to
fortify these predictions with facts from the
history Of similar regions In other states.
But it hardly seems necessary. II must be
perfectly plain TO every thinking man that
irrigation is essential to prevent the present
distress from becoming chronic, and to keep
Nebraska moving along in the upward path.
Iv.--IRRIGATToN AND STATE DEVELOPMENT.
On June 26, 1889, q large and enthusiastic
convention, representing every county, met in
Omaha and organized state development So
ciety. After one or two futile attempts to get
it on it's feet, this organization rolled over
and died. II was based on the vague idea
that Nebraska onght to be doing something.
1t passed awgy because it had no specific
thing TO do. While, certainly, no humane
person would think Of dragging this respect
able society from its grave, 1t must still occur
to those who have not forgotten the incident
of its organization that the time has come to
do the work it meant to do.
AS has been said at the beginning of this
article irrigation is not narrow sectional
question, but the broadest and most pregnant
factor in the problem of state de-
velopment The resources of Nebraska are
purely agricultural We have no mineral
wealth to explore, no forests to hew down,
nor navigable rivers to improve. Manufact-
uring will be plant of slow growth, except
as it utilizes our agricultural products in
making sugar, Starch, linen, twine, glucose
and similar articles. What, then, have we to
develop except to make our rich acres capa-
BILE of sustaining the largest agricultural pop
ulation and thereby increasing the wealth of
the peoplel Irrigation is the only means
which can be used to this end.
ten years Nebraska has been competing with
Kansas and Dakota for immigrants. Hence.
forward she must enter another class, for in
the next ten years Kansas and Dakota, un-
less they join us in the present movement,
cannot hope to compete with Colorado,
Wyoming, Utah and Idaho in the matter of
attracting new farmers.
1t must be remembered that Kansas and
Dakota have been put before the eastern
public in an unfavorable light in the last few
years, and that in the last few months Ne
Omaha daily bee., 1891-02-08

compound interest In tho Investment COM
pany. Where Is the level premium. old line
company or any other plan or style OF life in
suranco company that can make such q show
Ing or even approach it2 IN any doubt the
possibility of what Is here in stated. call on the
undersgned or address him for further In
form alton and proof.
nuT SUPPOSE rHECos
otnO,OW ordinary lifC Insurance age thirty in
one OF these level premium or old limo COM
panles be contrasted with the cost for same
amount and same age IN anatural premium
company the result would stand, cost In
level premium com pany S2A so per annum
during life. cost IN natural premium company
sloS per annum until end of expectancy Uhir-
ly-lour years, showing n difference from the
start ana for each year OF sGJ In favor OF the
natural premium com pany. Again, anal wing
stand as follows. >' "
Omaha daily bee., 1891-02-08

These figures do not do entire Justice to
Cheyenne, as it has been cut up into five
counties since the census of 1880. In the
same way some of the counties get credit for
little more than their actual growth in the
last ten years, as their entire population is
put under the head of 1890, whereas they fig
ured as part OF the unorganized territory In
the previous census. But as a whole the
table Is correct and bears marvellous. testi-
mony to the growth of the arid region in the
last ten years. And it is just here that the
important consideration comes in.
Certain parts of this region have enjoyed
fair degree of prosperity. They have sup
ported large number Of stockmen. who
have shared the varying fortunes of the
Chicago market, They have built up several
towns that have at times enjoyed precari
GUS sort Of prosperity.
But in discussing irrigation we are speak
Ing OF agriculture, pure and simple, and this
has not been profitable occupation. III IL
had been single blighting drouth,
such * has been called TO the attention of the
world during the past four months, would not
have been followed by cry of distress. The
prosperous farmer can stand au occasional af-
Fiction and 1t Is because the farmers in the
ard region are not and never have been pros
porous that they have been obliged to ask aid
Us the result Of the total failure OF their crops
Thus 1t is that the state is called upon to con-
slider the future OF the settlers in the arid re-
gion as n problem Of the most vital impor-
tance to their happiness and to its own repu-
tation.
In the past two years homesteaders have
rushed 10 take up the vacant lands In the
western half OF Nebraska. Land spectators
with moro imagination than conscience, have
assured them that they mad only to tickle the
prairie with the plough to make II Laugh with
abundant crops The constant effort has
been TO hold up the delusion that the whole
sf Nebraska lay In tho rain belt and that II
Omaha daily bee., 1891-02-08
eastward and irrigation the favorite method
Of cultiVating the soil

eastward and irrigation the favorite method
Of cultivating the soil.
For these and many other reasons the
wholesale merchant of Omaha is really as di-
rectly interested in the present movement as
the man who runs a store out on the west
erp plains aad caters to trade whose pockets
are Us arid as their lands.
1.-THE PAST AND PRESENT OF THE ARID RE-
GIoN.
The state of Nebraska scored wonderful
Increase in population during the decade be-
tween 1880 and 1890. II grew from 49,, ,402 to
1,056,793 or 233 per cent The semi-arid re-
gion, however, far surpassed the gen eral av
erage growth of the state. 1t gained from
11,054 in 1850 to 102,Sl3 in $780, or $50 per
cent, These facts are strikingly exhibited in
the following table:
Omaha daily bee., 1891-02-08

These figures are from the census of 1880
Adding 20 per cent for the increase during
the last ten years, which is a trifie less than
the average in Iowa during that period, we
have a total of 37S O67 which is nearly four
times as many people as live in similar dis
trct in western Nebraska Figures are not at
hand for comparison of the aggregate
Omaha daily bee., 1891-02-08

policy Is In force, save for accum ulation. M,
iaDor consulting actuary and compiler OF
"Ino Three systems of Life Insurance."
no inct ~ the reserve Is simply and purely
bank deposit belonging for life or death ~
tho dep0sitor and having no more real con-
nectiOn with the insurance risk than cores
pOnling deposit In bank across the street
would have. Emory McClntock actuary
MUTUAL lite Insurance company, New York;
world.
NO part Of the reserve can be used to pay q
ueath claim on any policy save the one to
Whlch IL belongs. any more than n bank OF de-
post can use the funds of one deposition TO
make good It's losses 10 any other."-E. d..
Williams, actuary.
The authorities here quoted from, have time
and again urged these level premium or old
line companies, to change theirplans with ref
erence 20 the reserve element, but evidently
they VIII not harken tn any ovcrturcs to mod
lfy their methods until such time as the peo.
pie withhold their patronage and thereby
cause reduction OF the present rates OF from
one-third to fifty per cent.
President Greene In his article, quotes the
rate his company charges for one of their
twenty year Investment policies, age thirty
and amount of policy $4,000. as being SiB per
nnnllm for twenty years. lie does not furnish
tlie rate In his company for ordinary straight
Ire policies for same ago and amount. but the
writer can supply the Information, II would be
S22SoO per annum and Us every premium paid
into MIR. Greene's company or into any other
level premium company is divided into or ap-
portiOned into three clements, IL may be in
terestng here to aducc n small
TABLE SHOWING THE ELEMENTS
Combined In making up the gross premium,
charged by level premium or old line COM
IN lao IL tJlr..V
Omaha daily bee., 1891-02-08

braska herself has shared the ill fortune Of
her neighbors to certain extent
In the meantime the states to the west of
us have been laying their foundations broad
and deep. They have perfected their irriga-
ton laws and demonstrated the success of
this means of agriculture Thay have edu-
Gated the investing public to believe that an
irrigation fund is a safe property. The man
who has sold his farm in Michigan for in
stance for $50 an acre and gone to
Idaho to take up government land
sl.25 an acre, has been able to
get it. under irrigation for s. an acre.
which includes the purchase price. He has
discovered that the Idaho property will pro-
duce twice as much as the old home in
Michigan, and the tide which in the past
ten years has stopped on the prairies Of Ne
braska will hereafter sween on to the newer
counties which offer larger and more certain
prohts.
Is it not plain that Nebraska should get
out of the Kansas and Dakota cfSss and
get into the Colorado aud Idaho class in order
to shake the odor of the former from her gar.
ments and partake of the prestige of the lat
teri
If this Is a correct view of the situation all
citizens of Nebraska are equally interested IN
the irrigation movement which comprehends
at this moment the whole problem of our de-
velopment.
Omaha daily bee., 1891-02-08
TABLE SHOWING THE ELEMENTS
Combined In making up the gross premium,
charged by level premium or old line com
pnnlcs. upon SlD0O insu rance at different agcS:
TABLE SHOWING THE ELEMENTS

combined in making up gross premiums
charged by natural premium companies
Note-Ordnarliv with natural premium
companies there are but two elements in each
premium, viz: the expense and mortuary or
death claim element but for fair com pari-
son, three elements are here exhibited:
Omaha daily bee., 1891-02-08
PRESENT MOVEMENT.

The present agitation has resulted in a
compact and aggressive organization of the
friends of irrigation. 1t is cleau-out and
definite movement, aiming at the accomplish
ment of specific results.
Ten southwestern counties were organized
at the convention at McCook. The remainder
Of the arid district spoke for itself through
the convention at Sidney yesterday. The ag-
tation will culminate in a state conven-
tion at Lincoln next Wednesday, the
IL. The purpose of these conventions Is to
secure the enactment Of the best irrigation
laws that can be devised. Committees ap-
pointed at McCook and Sidney are now draft
ing the measure II the legislature acts
promptly, the next thirty days will see the
object of the movement in part accomplished
Then comes the camraign to interest capital
"a branch Of the subject which will be
treated in these columns next week
WILLIAM H.. SMYTHE.
Omaha daily bee., 1891-02-08
In favor of the natural premium

IN 1hYOr OF INC natuTaI premium =
.
1t must also be rememb bered that the level
premium companies have been credited with
writing business ever since 1873, while tho
natural premium companies have operated
in this country only twenty years.
Why this large preponderence of public sup
port given to this new system? Here again
let statistics furnish the evidence. In the
level premium companies we iind that using
the figures for the year lsSo:
Total payment to policy holders. s2,04a520
Omaha daily bee., 1891-02-08

Here the render VIII notice /. That both
tables provide for the same amount, at same
age, for mortality element, hence the natural
premium system eXacts the same amou {
from the insured for paying death claims as
does the level or old line companies: indeed
the mortality element in both eases is the
natural premium, and any amount charged
in excess of the natural premium must have
In view some other factor or element.
Win 'ne he dnss,vod mrss 1aoie ABOVE gwen tb
level pIemium companies add for expense
S5.6S ut age 30, S.5i at age 80, S3 81 and at age
60 30 Is Are not such discriminations unrea-
sonable and unwarranted, and II practiced by
any merchan mt or firm would be termed dis
honest.
Omaha daily bee., 1891-02-08

Total amounto of over payments :. ~. .1s92 260
And this sum (SDi, lS0, ,259) their policy holders
paid in excess Of the amounts necessary to
pay their death claims, dividends, surren-
der values and all items OF return to policy
holders. being either consumed in expenses or
deposited to the credted Of the res erves.
But 1t is claimed that the reserve Is essen
tial to the perpetuity of their system we
in 1890 over 1880 which We find to be $40, iSD543,
and still they have Sii,6U,726, which must
have been used only for expenses in 1889 by
these level premium companies.
In com parison let us look at the figures OF
the natural premium companies for the same
year:
Their gross income was 500 t0i 1S3
Total payment TO policy hoAders...., A., l4l075
Total amount or over payments. =. sl7, 1853, 1Os
Actual expense cost. .Sl2, ,64S 764
So IL is evident that the level premium COM
panies in 1889. with only S,l3o,,sl,9G3 of busi-
natural premium companies with almost
double the business In force, viz: S155i, ,925, ~
required little more than one-fourth the
amount for expenses, viz: sl2,1iS,16i.
But the 'old liners further say that, us
policy holders grow older, the mortality must
increase. so that the enormous reserve Gre
ated by the level premium yStem must be Sc
cured to meet such increase. We hold that
such large eXactiOns for the reserve element is
unnecessary. because but a small percentage
OF original policy holders ever become IA claim
against the company, and that by the infu-
sion of new blood the mortality ratio need
not be materially increased. This has been
satisfac torily demonstrated by the natural
premium system. In support OF this prOposi-
tion let us adduce u table prepared in 1856
giving the mortality ratio that year of thir-
teen of the older level premium Companies:
Wiarus. (Winona, Minn.) 1886-1893, 1891-12-10
Cos d'a dam.

Sfawny wvdawca pism mo-
dnlarsk1ch p. Nc. Dowell W New
York a West IA Str.) sprowadzl{
z Paryza zdolnych plsarzy i ryso.
wnlk6w modniarsklch, i terAz jego
W danictwa W niczem ME ustepu.
il zurralom parysk'm.
So mledzy nleml trey m1esle.
cznikl, Kt6re miec powlnna kazda
DANA szyc umlejaca. a mlanowl
Gle: Lo Mode, In Mode de Paris
. Album.
Kazde tych pism zawiera
mn6stwo slicznvch rysunk6w, pc
czesci kolorowvch, z wzorami do
kro1u wszelkimi wskaz6wkami
tyczacemi sig nodniarstwa. Mona
je dostaG W kazdei wiekszeJ ksie-
garni pc ca}ej Amcryce, pc Genie
80 cent6w "a sztuke.-Chcac abo-
nowa6 ma rok. nalezy postac pod
powyzej wskazanym adresem po
$3.50 "a kazde p1smo, ma poi roku
$500. Po7edynczy numer kosztuje
u wydawcy IS cent6w, "a co do
stanie 60 sig W dom o p4acona
poczt9.
Co przedewszystk.em poleca
wydawnictwa p. A. Nc. Dowella,
to ia ~okol,cznosc, IL podaJa one
nainowsze mody o miesiac ma.
prod.
Wiarus. (Winona, Minn.) 1886-1893, 1891-12-10

artylerYi; lecz tym razem
plerwsze zagrafy dziafa
szwsdzkle. N,eprzyiaclel ME
myslai zrazu uczYnic W murach
wyfomu, by przezeh do sztur-
mu sic rzucic;"hc,at tYlko
przerazaG, zasypac kulaml KOS
ciot i klasztor, wznlecc po2a-
ry, pce:uzgotaG d2lata, pobic
ludzi. roSszerzy6 trwoge.
Ma injury klasztorne wyszfa
znow procesya, DO MIC TAX ME
ukrzepiafo wa%lszacych, jak WI
dok Pr7enajswietszego Sakra-
mentu i spokolnie z MN ida
cych zukonnikow. .Dzlaia
xlasztorne odpowiadaiy grzmo
tenn ma grzmot, blyskawlce,
lie mogty, lie 1udziom sit i
tuhu " plersi star ,zyfo. Ziemla
tel zdawata sic trzasc W posa-
dach. Morze dymu rozclague-
10 sic mad klasztorem j kosclo-
lem.
Go "a chwile, CO "a widoki
ola ludzi "a wielu takich by
10 W twierdzy), kt6rzY n'gdy
W &yc,u patrzali W krwawe
oblicze wo]ny!
Ow hulk nleustajacy, b}yska.
vice, dymy, wycla kul, roz'
dzlera)acych powletrze, strasz-
Hwy chychot %granatow szcze.
kanle poclsk6w o brukl, gfu
che uderzenla o sclany. dzwiek
rozbijanych szyb, wybuchy
pekaiacych kul ognistych,
swist ich skorup, chrobot !
trzaskanje d%ylowah, chaos.
zniszczenle, piekio!
(Ci2g dalszy nastapi.)
Wiarus. (Winona, Minn.) 1886-1893, 1891-12-10

drzewle; gdy z CORY zjezdzal,
z}amala sic dyszel, W pedzie
biegf woz Z CORY, drzewo z
CORY, drzewo Z siedzacym
spadfo i przygniotlo niebora-
ka talk, ze natychmiast smierc
nastapila. A by} to bardzo
porzadny cz!owiek. trzezwy,
pracowity, ola tego zal
powszechny.
pow. Czluch.
w tych dniach wlasciciel
ozymon Rymon, kopiac tn W
swym nowo wybudowanym
domu sklep, wykopa} garnek
pe}en r6znych monet srebr-
nych, miedzy niemi i 5 zlo
tych. Srebrne Z data 1923,
Moneta Gedanensis i t. d.
Ten skarb przyda sic bardzo
znalazcy, boo przesz}ego 70
ku dobytek mu sic spalif,
przez co wie]ka strate po-
Most.
RAJKOWY. Figura Me.
polanej Matki Boskiej, kt6ra
tn w $rodku wsi postawiona
W przesz}a niedziele poswie-
coma zostata, kosztowala ME
500 marek, jak W niemiec-
kich ga-etach tombstone, lecz
oko}o 1900 marek.
K~OSCIERZYNA. Maia
tex r6lny Stare Grabowo, ma
lezace do p. Malitza, odda,
ny zostal ma sekwestracya
pod zarzad volta Schucha W
Nowejkarczmie. Sad okre
gowy uzna}, re to CO "a
rzadzca masy konkursowej
Sp6}ki pozyczkowej obracho-
wal, mole sadowo bye scia-
gniete od cz}onk6w.
~WEJHEROWO. + 5go
b, m. umarla opatrzona Sa
kramentami swietemi owdo.
wia}a kupcowa Julianna Ma
lewska W 81 roku zycia swe
90.
Wiarus. (Winona, Minn.) 1886-1893, 1891-12-10
K RST WO

IA PIJAKOW.
Ma CO lem swiecie lest tvlko
iedno lekarstWo. DIR. BetneR0
zloty specyfik (Dr Heines
Golden Specihkh.
Mo&e by6 damon " alliance
kawy Tub herbaty, bee wledsy "a.
kywajacego, a sprowAdsa kuraoya
szybka, i trwais, sar6wno osy pa.
event Jest umiarkowanvm pijakiem,
czy nafogowym opojem. fystace
opol6w zostaio w~yloczonveh o.
tym speoyf " swojej
kawie bez ich wiedzy, q dzisia.
oni NIGGA sic powstrzymad cd pa.
lonych trunkow z wfusnej wolf.
Za1 zwanie tego lekast~a ME Wv.
woiuje zadnego szkodl,wego skut-
ku. IA wytsczenie sic reczy. Zg&oi.
Gle sic po cyrkularze bliAsze
sxczeg6iy. Adresowa6 W saufania
GOLDEN SPECIFIC co.
Ra Street. Cincinnati O.
Wiarus. (Winona, Minn.) 1886-1893, 1891-12-10
Agenci ,,Wiarusa:"

BERLIN WIS. 5. T. choinacki
BALTIMORE. M. D. Fr Ziarnowski
16as Shakespeare Str.
BRYAN, TEXAS. Walen.y Buja,sk
BREMOND, Jozef Palka
BAY CITY, Michal Kolanek 8o4 Farragut Str
BUFFALO, Dekanski St. ,o4 Detroit Str
ELLIS, Gi lmejster Karol
GILMAN, BENTON CO. MINI. wawrzyniec
Wisniewski y.
GOOD HARBOR, MARGIN Brzezinski
HOUSTON, TEX Hildcbrand
LEMuNT, ILL. Mich. Cichowicz
MIMIC, D. T.. Jul. Wirkus
NEW WAVERLY, Tex: ]. v. Chlebowski
P%lITSBURG, Wiktor Mulka, 10 Gregory Str
PHILADELPHIA PA. Michal Raczykowsk
S. Front 80 Beel Str
POLANDFR NEBR. Michal Mendyk
SHAMOkIN PA. w. P. Stelmach 1909 Chestnu
STEPHEN, Marshall Co., MINI. Jan Gratzek
ST. LOUIS, Max Paprocti, st23 Blsmark Str.
ST. HEDWIG TEX. fozef Zizik
ST ANNA, AnGrzej Patrykas
ST PAUL, MINI, Jan Sadowski a46 Edmund St
SOUT BEND.-Vinc Nj :dbalski us Chopin Str
WAUSAU, Waclaw Kryszak, IS Washington
Wiarus. (Winona, Minn.) 1886-1893, 1891-12-10
GEORGE ENGER s. CO., CINCINNATI, OHIO
PLAN dAZDY
.ASZYCH KOLEI.

Chicago, Milw. S. Paul
w stront wscho du- Odchodzl.
Chicago expr., codzieh 6.32 pm.
Chicago expr., 11.17 am.
Chicago expires 1866 am.
Pocisg pocztowY codzieh 9.59 pm.
w strone du Odchodzl.
Chicago expires, codzle6 4.oS am
Chicago expr., codzie" 9.84 am
Chicago expr. 1885 pm.
Pociag pocztowy 11.51 am.
Wabasha Division.
Przesadanie do Zumbrotv 1851 am.
Chippewa Valley DIVISION.
2 Wabasha do Eau Claire.
Pociag pasazerski 11.51 Am.
P~rzesiadanle do Menomenee 1l.51 am.
Green Bay & S. p.
Przybywa Odchodzi
Pociag pasazerski AIS pc ob.-9.2O rano
Pocisg frachtowy 7.3O wiecz.-6 05 a n
Chicago & Northwestern.
Ku d o i.
Przybywa Odchodzi
Pasazerski 9.55 ano 1910 rano
9.O5 wiecz. $40 wiecz.
kaczacyz Rochester $50 po po}udn.
Frachtowy 700 rano
Pasazerski do La Crosse 3.05 pc poludn
Ku S C h Cd o w j.
Frzybywa Odchodzi
Pasazerski $40 rano 800 w:ecz.
S.55 wiecz 8 10 vice.
KacZacy u Rochester 1919 rano
Fraight accommod. 80 wiecz
Pasazerski do La Crosse $40 po..po}udn
Wiarus. (Winona, Minn.) 1886-1893, 1891-12-10
PkACCIE IA
z Prus Polskich.

Ciekawy szczeg6} z czasu
przejazdu cara przez Prusy
podawaja teraz gazety. Otto
urzednicy koleiowl l s}uzba,
szczeg6lnie ma granicznej sta
cyl pod Wierzbolowem, ma.
lacy stycznost Z pociagiem
carskim, otrzymali wskaz6w-
Ike, ably kto tylko umie, mo-
viii giosno pc polsku. Moe
to sta}o sic z uprzejmcsci ola
cara, ably go lie moznosci ME
draznic NOVA niemiecka, DO
wiadomo, re ma jednym obie
die dworskim W Danii przyz-
nal sic wyraznie W rozmowie
z pewnym kupcem ma ten
obiad zaproszonym, a ME u
miejacym movie pc francuz-
ku, przeto poslugu1e sic is
zykiem niemieckim, re tego
jezyka ME lubi s}uchac i uzy-
wac. A mole to ME uprzej
mosc, lecz demonstrancya ola
okazania, re pod panowaniem
niemieckiem wolno nawet u
rzednikom rozmawiac DO
polsku, czego bezwarunkowo
ME wolno nawet s}uzbie ko-
lejowej pod panowaniem cara
slowiahskiego.
NOVA CERKIEW pod
Pelplinem. w srode II. b.
m, odby} sic tn pogrzeb czci-
godnej matki X. proboszcza
Jana Tucho}ki PREY znacznym
udziale duchowiehstwa i ludu.
Przemowe z a.nbony wyg}o.
sill X. proboszcz DR.. Wygoc-
XII z Lign6w.
Robotnik
Skibihski zostal w oberzy ma
przedmlesciu mazursklem
przez zoinierza Angermanna
TAX poraaiony, re nastepnel
nocy umar} wskutek tego.-
Subhastacya Dzierzna 15oo
morg) ma nastapic 1890
grudnia b. r.
Do rady miej-
skicJ obrani zostali: W pierw-
szei klasie kupiec Juiiusz
COIN i gimnazyalny nauczy-
ciel Langenickel; W drugiej
klasie Eandlarz Dcmbicki, ho-
telista Stryrz i mistrz mular
ski Kamihski; W trzeciej kla-
sic mistrz blacharski Kadlu-
DoWSKl mlStrZ StolarSkj
Sicrotka.
LAKE W pow, Ca|uchow
skim. w poniedziaiek wioz
gospodarz wiasciciel at
Zmuda Trzebiatowski tur,
drzewa 2 lasu siedzac III