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.c. r {Coast 14A wYork mO 9 .npto itou. th hey Are the blt Vietoes n =II Dip apisarae : te et Traudtt Ial "A man is deed If ihe disappears from ight for semven eav,"'wa the donope re ark of Probate Clerk 'Jaokson to a New orks News reporte The statement was brought out by the n.ury: "When a man dilappears andshie y has never been found, how long must is heirs wait before they can claim his roperty?" "Legally," continued Mr. Jackson, "the an 'is not dead until seven years have lapsed, but it evidence establishing a trong presumption of death is produoed before the surrogate letters of .administra ion may issue at any time. There are any mount of cases where people have, yseters onasly disappyAre and their etat$* hisve, en administered upot%,, M8SonUd thtierd ,ny protest made against . he issuing' of 99ers of administration then the heirs fight have to wait the full seven years. n the case of the man Anustin, ,ho went in swimming at Man attan Beach last unly and who is pre pimed to have been drowned, although his bod neyer found. letterq of admini tratioh were issued, as the presumspton as that he must be dead as he was sen to o into the water and never to come out, is elothes were found in his dressing-room. and his valuables which he left with the clerk were never called for. & part of his estate consists of two insurance policies upon his life, which the companies inter ested are disinclined to pay, contending that there is no proof that the man is dead." "When is a man dead for insurance pur poses when he mysteriously disappears?" was asked of the adjuster of doubtful claims for the Equitable I4ke-one of the largest life ins'Arance companies in the United States. "Well, that depends altogether upon air-. cumstanoes. In cases of disappearance, in suranee companies are entitled, in the ab sence of proof of death, to wait the full seven years before they pay a cent. This, however, is very seldom done except by small companies. When the circumstances point to the death of the man the policy Is paid. For example, a passenger ship sails from New York to Liverpool and is not" heard of for six months it is safe to assume that she has gone to the bottom. In each a case the underwriters pay insurance on ship and cargo, and we pay the representa tives of such of the passengers as may have had policies in our.company. "This, however, is altogether different from paying claims made when people go in swimming and never come out. 'iis is a very old dodge for defrauding life insurance companies. It is only a few weeks ago that the Mutual Life had an experience of this kind. One of its policy holders was re ported to have been drowned while bathing at Coney island. He carried large insurance, and the company when the elaim was made took advantage of the law and placed the matter in the hands of a private detective firm, who have just discovered the supposed dead man employed running a mower on a ranch out in Oregon. We had a case a short time ago where a man went fishing in a boat near the Cholera banks. The boat was picked up adrift, bottom up, and all the indications pointed to a watery grave. We declined to pay the claim, nevertheless, and after some time we found out that he was in Canada awaiting to realize. You see, he just landed and sent his boat adrift. It is not to avoid payment that companies look with such suspicion on the alleged deaths of people who mysteriously disap pear, but to protect honest policy.holders from a very easy kind of fraud. "The loss to the company might even be accidental and caused by an honest belief on the part of the claimant for the insur ince that the insured was dead. A good illustration was furnished he other day by the Park place tragedy. A man, a orinter, who worked in the buildingwhich collapsed, was not seen for weeks after the accident. Among the bodies recovered days after one was recognized as his by his widow and she received her share of the relief fund and was about to receive insurance on his life when he turned up in Boston, where he had gone on a spree. Neither the man nor the woman in this instance attempted a fraud, but suppose hehe had been on Park place when the building collapsed and then disappeared, ' he could, by collucion, get into insurance companies for quite a tidy sum. "The companies, however, have a good way of protecting themselves against fraudulent disappearances of policy-hold ere, which has come into vogue within the past few years. The plan adopted is a boon o the honest claimant under a poliey, while it virtually renders fraud abortive. Com panies under this plan paythe insurance within the ordinary time where the bene loiary under the policy gives bonds totheI ame amount, that should the person who s claimed to havs died be found living the amount paid to the heirs will be returned to the company." Another well kaown insuratnce man, . N. Johnson, who represents the Traveler'se "If it were not for the seven years' clause companies could be easily victimized by the disappearance racket, There's nothing to hinder a man taking a suit of clothes into a dressing room wrapped up with his bath ing suit and leaving his old clothes behind. Then all he has to do is to watch his chance to slip out when the bath is crowded. The finding of his clothes and his leaving his watch and money unclaimed for at the office will create the presumption that he hne been drowned. "A rather strange case of this kind oc curred about twelve years ago that had an amusing side for every one except the com panies concerned. A stock broker's clerk, who we may anlt Holland. thongh that's not his name, married a woman who, however she may have loved him, determined to be the gray mara nd the better horse. She made him stayv at home nights, like a schoolboy, and in those peculiar ways of which only lovely woman is meater made his life on earth a veditable hades. One Saturday afternoon, at the close of a week of wrangling, he went over to Coney island and went in swimming. He wab never seen to come out of the surf, was reported dead, and in due time his widow obtained letters of administration. He was insured in three different companies for $25,000. In one he carried $61,000, and in the other two $5,000 each. The widow applied to the companies for a settlement, and in the course of about three years the policies were paid, "About a year after, a anuuembrowned frontiersman walked into the San Fran cisco offce of the principal company, on Sansome street, Ban Francisco, and asked to see the manager. He wanted to know if he couldn't pay back-premiums on a policy for $15,000 ie had taken aut six years be fore in Now York. He said his name was Holland, that he had ran away from his wife, as he had no legal eause for a divorce, and he wanted to pay au hiq poliye to raiste a loan on it. When he wa stold that he was dead, and that Wito hlid collected tae money, he was the mrit astonished m.n out. He said 1 had disappeared pur posely that she ml.gt fuipiS ilep- dead, and never thought of the iturata pol ioes at the time. The iears that had elapsed he had spent in Ban Uabriel, South. ern Californta, wheren he had a he .fruist ranoh. ils was the old tri.k, of coat e, of about vtt'illb wa thdie mousy was w 0bo Tis katWAYS. tsieelq's Great MoJ, the YPsmou Maple Leaf lins., The Cbhiago, St. Pai & IKgsas OCity was tbie f.lit milroad in the coattry to lseno 9 ifransportsthii adversIlig far the ar at Chicago, That is enterprise Sasollustration of the sort of manage m t 1141tt within . few vears ha trans .tormet bChiosao, 8t. Paul t ansea City fýOi a habort and unimportant line, thh it e to 6oourar e Ist continuance, to on t prominent and most pope lar lines in the nortwest. With its termi. uals in Ch4oago, Kansas City and St. Paul, it ulQe te eaot., the northwest and the soutitwest; The territory it embraces is the girueg gpo) of America. In it dwell 8,000,00 p.e whom this great road no go4O5týi~, rTe., ,rest states of Illinois, Mioibptla;.Iowa, Miessouri and Kansas are taip*.4by te lnoes,. The general heaUdqnartere f the road is et: t,. Paul, while the freight and pas 4onsrg departments direct their business from Chicago. In the latter city the com 'suna trains arrive at and depart from the Grand Cetral passenger .sattat, com pletead st thle Beginntug of the present year, )p. areisouedýaed to be without a peer in sttouýl..,.Tnoe three main lines df the lWI Peiwein, in Northeaster SAs 'A .ec amt. these are several shot -byaiouhe ' All° itiipporttnee, the longest haiefrn" urt.tn Umn¢r to Hampton, Iowa, 'The aTter state it divided nearly in halves by the toAd, which crosses its very finest portion.. The mileage in Missouri. Kansas and Minsoata is comparatively small, but in Illionols again increases, the northern and most populous part of the Prairie state reverberating to the thunder of its tinius. Much of the suooces of the road is due to the ability and energy of a railway man well known to mapy in Roehester, W. t. plusenbark, the trafil manager of the road. In his intercourse with the patrons of the road he has won thousands of friends for himself and his company. The equipment of the Chicago, St. Paul & Kansas City in unexcelled by that of any road in tie country. Its vestibuled com partment sleeping cars are modelsof lux ury, comfort and convenience. No other line west of Chicago runs compartment sleeping cars. The dining car service Is fully up to the requirements of the most fastidious and luxury-loving of modern travelers. In short the Chicago, St. Paul & Kansas City is the best line between Chi cago and nt. Paul, Minneapolis and the northwest, between Chicago and the prin cipal point' in Iowa, between Chicago and the southwest. Persons goinv from east ern points to Chicago and beyond will do well to bear these facts in mind.-Rocbes ter, N. Y., Democrat and Chronicle, Oct. 29, 1891. Dyspepsia. That nightmare of man's existence which makes food a mockery and banishes sleep from weary eyes, readily yields to o the po tent Influence of the celebrated English Dandelion Tonic. It tenes up the digestive organs, restores the appetite, makes a sinilation .of food possible and invigorates the whole system. All druggists sell it at $1 per bottle. CARTERS CURE 8ick Ieadacher.:d relieve all the troubles IncI dent to a bl;ious state of the systein. such as Dizziness. Nausea. Drowsiness, Distroe. after eating. Pain in the Side, &c. While their most remarkable :uccess'has been shown in curing SiCK Lteadaohe, yet CamTt's LrIe LiveR P:l':.ts are equallv vahtble in CEonstipation. curiy, and prevsetinge this pnnoyi'g etnplain., while t.hev also correlu#t[pltiiorders of the stomach, t;imulate the ':littr, nd regulate the bowel, Even I.'they only cured Ache they would he almost priceless to those who sufccr fromm thi distressing compalant: Iutit fortunately their goPdnesst does not endl here, and those who once try them will find these little pills valuahle in en many ways that they will not be willing to do without them. But afttr el sick head ACHE is the bane of so many lives that here is where we make our great boast. Our pills cure it while others do not. Canran's Lmarte Livea PILLS are very small and very easy to take. One or two pills make a dose. They are strictly vegetable and do not gripe or purge, but by their gentle actlon please all who use them. In vials at 25 centSi ye for $S. Sold everywhere, or sent by mail. OARTUB MYDICINE 00., New York. Recently-t. fotllealn Mostlce appread In the ' S - s Franoiee C.hrenlels. `'udge S.-- had been sick only about two weeks, and It was sat until the last three or four days Vhat the .adytook a serious turn, At the beginnig ofsl ilaness lie scabered from diabetes and stomach disorder. Later the kidneys refused to perform their fln.ctioas and e passed quietly away. Thus eed the life of one of the moat prominent men n i Cali. fornia.' Like thousends of ethers his un timely death was the trslt ofneglectlng early symptoms of kidney disease. -- I tYOU m are troubled with dt betes, gravel, or any te raugeiment of the igneys or urinary organds, dooa't delay proper treatment until you are forced to give up yoaur daily duties; dos'? waste your money on wertlicass liniments and worse plasters, bat strike at the seat of the disease at once by ut ag tle greateste of ni known remedies, the ca'lebratl Oregon Itid sey Tea. It has saved the lives of thoitseuds. Why ..oultit not cure you? Try it. Purely veala, anid !leasant to take. $1.00a pock. ge, 6 o L K I.OI.' c. 1e. 1JKICHEl, second Floor Hera Building BLANK BOOKS *; To Orders.. WOOR NEATLY RULD eand PRIMItOA T L. BSITH, Freight ai Transfer L'U1I MlLUMNA, MONTANA. in eets. Itempt·.' tashs n em te eesgsmetv em at Both the method and resultd when Syrup of Pigs is taken; it e pleasant and refreshing to' the taste, and acts gently yet promptly on the Kidneys, Liver and Bowels, olcelt~es the sys tern effectually, dispels colds, head aches and fevers and cures habitual constlpation permanently. For sale in 50o and $1 bottles by all druggists. CALIFORNIA F!O SYRUP CO. BAN FRANOIB00, OAGl LOUISVILE. IKY. o NeW YORK, N.Y. PROFESSIONAL CARDS. CRUTCH(ER & GARLAND. (T. F Crutthor. R. C., Garland) Attorney. at Law. Rooms 7 and 8, Bailey Block. Mliunt corporation and resleetate law special. ,.e. Will practice in all the state courts, In the United States supreme court sod before all the lepertente in Washington oilt. in connection ritc Hen, A, H. Garland. late attorney general. &BeBURN K. BARBOUR, Attorney and Connsellor at Law. Masoni Temple, Helena, Mont. ABBSENA BULLARD. Attorney and Counsellor at Law. Will practice in asll cort of record In tie state. Office in Gold Blook, Helena, Mont. lZlBR & KEERL, Civil and Mining Engllaers. U. S. Deput Mineral Surveyorr . Mineral nat. nte secured. Room 12-I., Atlas Building, He1. ent, Mont. I)R. M. ROCKMAN, Phyelolan, Surgeon, Accouehor,. Ooulist, Aurlst. Member of San lrancisco Medical Society, lIso Nevada State Medical Society. OffiBe on Main street. over Steinmetz Jewelry Store. -R; CHAS. G. DODGE, - Eurgeon Dentist. OrFIon HouRs-- A. M. to 12:30 P. M. I:S0 to 6:30 P. M. 114 Broadway. Helena, Montana. (H. F. C LAWYER, Physician and Surgeon. SPrIALTIEs-Eyo, Ear and Thro. Ofice: 106~% roadway. R. J. B. HARRIS. Office Holter Blook. Residence 821 8th ave. TO CHICAGO IN LESS THAN 14 HOURS --vi the- - NOARTHWESTERN LINE C. ST. P. M. & 0. Ry. C. & N.-WV. Ry. The Shortest and Best Line From St. Panu to Chicago, Sioux City and Omaha. The only line running all its Passenger Trains in less tban 14 hours between St Paul and Chi cago, and while this time is quick, trains do not have to run at as high rate of sterl to maka their time as on other lines, because this line is shorter than any other lihe. "The Pullman and Wagner Vestibuled Limit. -d," leaving tt. Paul at 7:0 P. hM., makes the trip to Chicago in 181 hours. returning in 1: hoers and 25 minutes. "The Daylight Express." leaving St. Paul at 71:45 A. H.. makes the trip to Chicago in 1S hours and 10 minutes, returning in 13 hours and 41 m.inutes. This is the only line by which connections are assured in Chicago with all fast line talnm from Chicago to the east and south in the t.orning and at night. Close connect ions are made at St. Paul with Northern Pacific and Great Northern trains. For rates, maps, folders, tc. appAly to General Passenger Agent. St. Paul. Mina. THE CHICAGO,==... --- MILWAUKEE & ST. PAUL R'Y. =- TT Is the Fast Mail Short Line from St. Paul and Minneapolis via La Crosse and Milwau kee to Chicago and all points in the East ern States and Canada. It is the only line under one management between St. Paul and Chicago, and it is the Finest Equipped hailway in the Northwe st. It is the only line running Pullman Drawing-room Sleep. ing cars with luxurious smoking-rooms, and the finest dining-cars iuatte Notld, via the famous "River Bank Robte,"'along the ahores of Lake Pepin and thei'beautiful Mississippi river to Milwaukee and Chion. go. Its trains connect with those of the Northern lines in the Grand Union depot at St. Paul. No change of cars of any class between St. Paul and Chicago. For through tickets, time tables, and full information, apply to any coupon ticket agent in the northwest. MONTANA UNIVERSITY; UNIVERSITY PLACE, NEAR HELENA. FALL TERM OPENS SEPT. 3, 1891. Course of Instruction-l, College: 2. College Preparatory; 8, BusineUs:s 4, Normal , Music: 6, Art. Alsolnstractlon in Common branches. ABLE INSTRUCTION, ELEGANT BUILDING 'eond for Catalogue to the l'rosident..m F, P. TOWER, A. M., D. D A K11RI.OJ01, --Denaler ian- MAtBLJE a AND* GRANITE m IMONUMENTS Headstones. 1 I REIALJI OF OUR GREATBROADCLOTH SALE Every shade, every price, including Cream Opera and Black. Our immense sales of imported cloth during the week just ended leads to further improve OW== ment. We will add a number of pew colors that came yesterday. such as London Smoke, Frog Pond Green, Electric Blue, Bismarck Tan and Violet, These will be reduced to corresponding prices with last week's special offer S ings. In the range of these goods we have no competition in Montana. As 06 to prices, by referring to last week's quotations you will discover that we have marked them down below the m=.4 3g possibility of any eastern catalogue, We promise any and every lady that in comparison with eastern samples we will assure them a saving of 20 per cent STORE OPEN TILL 8:3o EVENINGS. Orders Receive Prompt Attention. Conversation in French and German T NEW YORK DRY GOODS STORE BANKRUPT SALE, BANKRUPT PRICES, WAIT FOR THE OPENING. Thursday Mornin , No. , at 2 North Main Street. $30,000 Worth of Fine Shoes and Slippers From an eastern failure, to be closed out at wholesale prices. From $1 to $3 can be saved on a pair of fine shoes. When you see our prices and compare them with others you will wonder how we can sell them so low. We answer, they were bought FOR FIFTY CENTS ON THE DOLLAR. ladies' Fine Dongola Boos, - - $1.25,$1.50, $1,715, $2.00. Lots of Ladies' Small Sizes at Half Price, Ladies' Slippers, - - - 10c. 25c, 50c, 75c, $1,00 Ladies' Fine Dongola Oxfords, plain or tip, - - - lSc Misses' School Shoes, -. - - - - - Sc Misses' Fine Donnola Shoes, - - - $1,00, $1,25, $1.50 Children's Shoes, - - - - 20c, 35c, 50c, 15c Men's Fine Dress Shoes, - - $150 $1,50, $.15, $2.00 Men's Working Shoes, - - - - - Any Price A few Rubber Goods which will almost be Given Away,. In fact the whole store is a bonanza and those who study their own interests will profit thereby, SALE OPENS T 9 A, M., THURSDAY, NOV 19, AT 26 N MAIN. : Store formerlyV occupied by Sturrook & Brown. -