FARRAGUT FIR] INSURANCE COMPANY OF THi: CITY OF NKW-YORK, No. 346 Broadway. 1)1) A VV1I ACI.M/1 ^ BRANCH OFFICES No. 152 Broadway, Nkw-Vokk; N t o. 81 Broadway, Brooklyn, E. JD. Statement, Jul}' i, [88 1 Cash Capital Reserve for Re-insurance Reserve for Losses Reserve for Taxes, Rent, Commissions, &c Net Surplus INVESTED AS FOLLOWS: United States Bonds Bank Stock Bonds and Mortgages Temporary Loans Real Estate . . ; Cash on hand and in bank Unpaid Premiums Interest accrued and Rents $200,000.00 .. . 86,880.01 13.309 55 379I.05 '34>3 2I -57 $438,302.18 $287,500.00 12,000.00 1 1,500.00 40,500.00 44,000.00 29,247.62 12,600. 56 954.00 $438,302.18 JOHN M. FURMAN, President. JOHN E. LEFFINGWELL, Vice-Pres't. SAMUEL DARBEE, Sec'y. CHARLES A. BOGUE, Ass't Sec'y. DIRECTORS JOHN M. FURMAN President. E. E. EAMES H. B. Claflin & Co. PHILO C CALHOUN . .Pres't Fourth Nat' 1 Bank. WM. H. BEERS Vice-Pres't N. Y. Life Ins. Co. N. D. MORGAN Brooklyn. CHARLES WRIGHT, M. D N. Y. Life Ins. Co. SEYMOUR L. HUSTED,Pres.DimeSav.B'k,B'klyn. ECKFORD WEB I?, late of Webb, McLaughlin & Co. CHARLES A. DENNY 140 Nassau St. WM. WATSON Wm. Watson & Co. Marcus F. HQnnrr n -i i u ffmm t r W. F. SHIRLEY. . . New- York. A. H. GODWIN. . .- Paterson, N. J. J AS M. DUNBAR, Jas. L. Little & Co. S. S. FISHER....' Manufacturer. GEORGE H. JOISTES New- York. SAMUEL COOPER 7 Pine Street. STEWT L.WOODFORD, Arnoux, Ritch & Woodford. EVERETT CLAPP New-York. DAVID M. HILDRETH New-York. JOHN E. LEFFINGWELL Vice-President. 1Ex idtbria SEYMOUR DURST Miinvmi; FIRE INSURANCE COMPANY Of the City of New-York. Office, 166 Broadway. (CHARTERED IN 1852.) This Company has been in successful operation twenty-nine years, and has paid all its losses, including those of the great conflagrations of Troy, Portland, Chicago, and Boston, promptly, and in full, and continues to insure against Loss or Damage by Fire on reasonable terms. Cash Capital $200,000.00 Re-insurance Reserve, June 30, 1881 24,094.22 Unpaid Losses and other Liabilities, June 30, 1881 5,506.79 Net Surplus, June 30. 1881 . . • 29,149.89 Total Assets, - " $258,75090 WM. A. ANDERSON, President. C. W. PARMELEE, Secretary. DIRECTORS : Wm. A. Anderson, J. B. Rumrill, Harman Blauvelt, John C. Hoyt, Wm. A. Thomson, Czar Dunning, Henry Van Schaick, C. W. Parmelee, Isaac N. Phelps, Joseph Slagg, O. G. Walbridge, Alexander Rumrill, Sam'l Colgate, W. W. Phelps, L. Bayard Smith, John B. Snook, William Barton, George B. Greer, W. O. Woodford, A. F. Pearse, A. R. Van Nest, James Stokes, Elbert A. Brinckerhoff, George De Forest Barton, F. Lawrence, Elward Smith, Lester A. Roberts, John G. Davis. Chas. B. Colton, Alfred J. Taylor, THE CHRISTIAN UNION LYMAN ABBOTT, Editor. With the first of January, 1882, The Christian Union enters upon its thirteenth year and twenty- fifth volume. In the future, as in the past, it proposes to be L-HELPFUL. It will give, every week, something which will help its readers to be more true, more patient, more courageous, more gentle, more faithful — in a word, nobler Christian men and women. It will help parents to be forbearing, children to be obedient, servants to be hearty, employers to be considerate, neighbors to be friendly, and friends to be faithful. It will help every heart to bear its own burden, and a neighbor's bur- den too, and to grow more near to God by a daily life more worthy of a true Christian man- hood. II. -SPIRITUAL. It will not devote twenty columns to hammer- ing at the shell and one to picking out the kernel. Doubtful disputations about forms and methods and rites and formulas will not jostle from its columns the explication and application of the "truths that make for righteousness." Mint and anise and cummin will go in fine print; judgment, mercy, and faith in clean, clear, bold-face type. III.-FFvESH. It will deal with the theories of the present. Its motto will be " day by day our daily bread." It will not ransack the middle ages for topics. On the eve of a political election it will present the duties of citizenship ; in a time of religious re- vival it will present methods of Christian work. The text of the minister is to be found in the word of God ; the text of the editor in the providence of God. He will study that book as God turns its leaves over for him from day to day. rv.— COMPACT. It will put great truths in little compass. It will take introductions for granted and will re- morselessly cut off perorations. It will allow no space for rhetorical eloquence. It will allow no superfluous words. In time, its contributors will catch the spirit of its editors, and every page will march compact as an army to battle. It will throw out no skirmish line and allow no strag- glers. V. -MANY-SIDED. It will seek the best thoughts of the best think- ers on every topic of importance. Its round table will be a famous gathering-place of free knights. Every contributor will be at liberty to speak his own mind. The paper will not be a personal organ, a whispering gallery to magnify one small voice into a sound of thunder. It will have much weight because in it will speak many weighty men. Above all, it will be VI.-CATHOLIC, COURTEOUS, CHRISTIAN. Putting away all uncharitableness, it will speak the truth in love. It will make mistakes some- times, for there is only one infallible man, and he lives in Rome and is not an editor. But its readers will learn to trust it, and to believe that if it is sometimes mistaken it never deliberately misreports, and never consciously conceals the truth. In Carrying Out this General Plan, the paper will avail itself of the services not only of its regular editorial staff, comprising MESSRS. LYMAN ABBOTT, ELIOT Mccormick, and Hamilton W. MABIE, but of the best literary talent in the country. Mr. Beecher's retirement from the Editorial Chair will only make him a more frequent con- tributor, while the large force of writers, editorial and otherwise, who have been associated with the paper in past years will continue to enrich it with their choicest thought. The subscription price is $3.00 per annum ; Clergymen, $2.50. Send one three-cent stamp for sample copy. Address THE CHRISTIAN UNION, 22 Washington Square, New-York. THE INDEPENDENT. " The foremost Religious Newspaper of the United States.' 1 '' — Rev. Joseph Cook. The Independent was established in December, 1848, and is, therefore, thirty-three years of age. It was started with the object of supplying the Con- gregational churches with an organ which should be a vigorous advocate of anti-slavery and other reforms, and continued so until the year 1863, when it became unde- nominational — the proprietor believing that it could thus accomplish more for religion and reform than if it were nominally connected with any religious denomination. During the thirty-three years of its existence, The Independent has endeavored to be a leader of the peo- ple in all matters appertaining to the welfare of the human family. It has always dealt strong blows in favor of reforms. It did much to secure the reduction of letter postage to its present rate. It fought long and well for the abolition of African slavery. It was largely instru- mental in bringing about the recent reform in the Oneida Community. It proposes to continue the warfare on Mormonism until that institution becomes a dead letter. It favors Civil Service Reform, purity in politics, and general uprightness in all things. It is the largest of any of the religious newspapers. It consists of 32 pages (the size of Harper's Weekly) neatly cut and pasted, and is printed from clear type, and, being stereotyped every week, every issue is really printed with new type, on good paper, and mechan- ically it is unexcelled. It probably pays two or three times more each week for contributed articles and for editorial serv ices than any other weekly newspaper; in fact, the question of expense does not deter it from securing the very best talent, native or foreign, to be obtained. It publishes more religious discussions than the relig- ious reviews, more poetry and stories than the popular monthlies, and gives more information than an annual cyclopedia. The long cable dispatches recently pub- lished from the great Methodist Council in London is a good illustration of what The Independent is constantly doing. There is no question of prominence in religion, politics, science, education, finance, or any other department of human knowledge which The Independent does not discuss. It has regular departments devoted to Biblical Research, Missions, Religious Intelligence, Book Reviews and Literary News, the Sunday-school, Music, Hymn Notes, Pebbles, Stories, Puzzles, Education, Science, Sanitary questions, Fine Arts, Ministerial Reg- ister, Personalities, News of the Week, Financial and Commercial matters, Weekly Market Reports, Dry Goods Quotations, Cattle Market, Prices Current, Flowers, Farming, and Insurance. In its Religious Department it gives news and statistics of all denomina- tions of Christians, everywhere. In fullness, accuracy, and comprehensiveness this department is unequaled. Several pages of Stories and Poems adapted to Old and Young are given every week, with a column of Puzzles. Nearly all of these departments are edited or contrib- uted to by the most eminent specialists, professors, writers, and scholars in the world. An Oxford professor regularly contributes to one of the departments. Some of the regular contributors to the paper are as follows : WRITERS OF FICTION, TRAVELS, AND CRITICISM. "Elizabeth Stuart Phelps, Horace E. Scudder, Rebecca Harding Davis, Louisa M. Alcott, Edward Everett Hale, Susan Coolidge, Rose Terry Cooke, Henry James, Jr., Mary Clemmer, Helen Jackson ( " H. H."), Gail Hamilton," Sarah 0. Jewett, Wm. M. Baker, Thos. Dunn English, LL. D. Mrs. Gov. Lew Wallace, Louise Chandler Moulton, Jane G. Swisshelm, Hon. Josiah Quincy. POETS. John Greenleaf Whittier, Henry W. Longfellow, Oliver Wendell Holmes, Richard Henry Stoddard, Jean Ingelow, Bret Harte, Paul H. Hayne, Joaquin Miller, C. P. Cranch, E. C. Stedman, J. T. Trowbridge. RELIGIOUS AND PHILOSOPHICAL WRITERS. Pres. Noah Porter, D. D., LL. D., Pres. S. C. Bart- lett, D. D., LL. D., Prof. George P. Fisher, D. D., Leonard Bacon, D. D., LL. D., Daniel Curry, D.D., LL. D., Bishop J. F. Hurst, D.D., Bishop Henry W. Warren, D. D., Prof. E. D, Morris, D. D., Prof. L. H. Atwater, D. D., Chan. Howard Crosby, D. D., Bishop A. C, Coxe, D. D., LL. D., Prof. Francis L. Patton, D. D., LL. D., James Freeman Clarke, D. D., Wm s M. Taylor, D. D., Theodore L. Cuyler, D. D., Philip Schaff, D. D., Ray Palmer, D. D., G. R. Crooks, D. D., Prof. W. C. Wilkinson, D. D. The Independent has very large and well-ap- pointed press-rooms, where it prints not only its own paper, but also some ten or twelve others. The Independent employs regularly in its office, edi- torial, composing, and press rooms about eighty persons. Subscribers and friends of the paper are cordially invited to visit the office or press-rooms. Although the paper is larger than any of the other relig- ious papers, the subscription price is the same, or lower. Although primarily The Independent is a religious newspaper, it is largely a literary and political newspaper as well. In fact, no person, whether caring particularly for a religious newspaper or not, can ignore The Inde- pendent, as it contains a mass of information which every well-informed person should know, and which cannot be obtained elsewhere. OIR NEW TERMS FOR 1883. One subscription one year ' $3 00 For 6 months, $1.50 ; for three months O 75 One subscription two years 5 00 One subscription with one new subscriber, in one remittance 5 00 One subscription with two new subscribers, in one remittance 7 00 One subscription with three new subscribers, in one remittance 8 50 One subscription with four new subscribers, in one remittance 10 00 Any number over five at the same rate, invariably with one remittance. These reduced prices ($2.00 per annum in clubs of five or more) are very much lower than any of the standard religious weeklies. Subscribe with your friends and get the low rate. We offer no premiums. J^P^ Contrary to the custom of all the religious newspapers, The Independent will hereafter be stopped at the end of the time for which payment is made. Send postal card for free specimen copy and judge for yourself Address, THE INDEPENDENT, 251 Broadway, New-York. TH1-; NEW-YORK TRIBUNE. " The Leading 1 American Newspaper." The Tribune fully appreciates the importance of its work in the great field of journalism, and strives to do it faithfully. Its columns are kept pure ; every paragraph is carefully edited, and nothing is admitted which can vitiate the taste or instill a hurtful lesson into any mind. VALUABLE PREMIUMS. — We take pleasure in calling attention of all intelligent readers to the following offers : Unabridged Dictionaries. Wo can furnish the new revised and enlarged edition of either Webster's or Worcester's Quarto Unabridged Dictionary and THE WEEKLY TRIBUNE five years f.r . 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An entirely new edition of the complete works of Charles Dickens, printed from new electrotype plates, large clear type, on fine calendered paper, in 15 volumes, 5J4 by TJjj inches in size, containing over 800 pages each, beautifully bound in cloth, gilt. This is one of the handsomest editions of Dickens's works ever issued. The price of the set of 15 volumes is $•22.50. We can send either Dickens's works or the Library of Universal Knowledge, as above described, on the following terms : f The Library of Universal Knowl- edge, or Dickens's Complete Works, as above described, and THE WEEKLY TRIBUNE 5 years to one subscriber. The Library of Universal Knowl- edge, or Dickens's Complete Works, as above described, and THE SEMI- WEEKLY TRIBUNE 5 years to one subscriber. The Library of Universal Knowl- edge, or Dickens's Complete Works, as above desenbed, and ten copies of THE WEEKLY TRIBUNE one year. The Library of Universal Knowl- edge, or Dickens's Complete Works, as above described, and twenty copies THE WEEKLY TRIBUNE one For B15. For »20. For $19. For $28. The Great Bible Concordance. Analytical Concordance to the Bible, oh an entirely new plan, containing every word in alphabetical order, arranged under its Hebrew or Greek original, with the literal meaning of each and its pronunciation; ex- hibiting 311,000 references, 118,000 beyond Cruden ; marking 30,000 various readings in the New Testa- ment; with the latest information on Biblical Geography and Antiquities, etc.. etc. By Robert Young, LL.D., author of a new Literal Translation of the Hebrew and Greek Scriptures; Concise Critical Comments on the same; a Grammatical Analysis of the Minor Prophets in Hebrew; Biblical Notes and Queries; Hebrew Gram- mar, etc. This great work is comprised in one handsome quarto volume, containing 1100 three-column pages, neatly and substantially bound in cloth. Every home that has a Bible in it ought also to have this great help to Bible reading and study. It is as well adapted to the use of the common reader as to that of the scholarly clergyman. We offer it, in connection with The Tribune, at the following remarkably low rates: For Sfi the Concordance and one copy of THE WEEKLY TRIBUNE five years, or five copies one year, to different addresses. For $»11 the Concordance and one copy of THE SEMI- WEEKLY TRIBUNE five years, or five copies one year, or ten copies of the WEEKLY TRIBUNE one year, to different addresses. For $20 the Concordance and twenty copies of THE WEEKLY TRIBUNE one year, to different addresses. The postage on the Concordance is 40 cents, which the subscriber will remit if wishing it sent by mail. Ex- cept for short distances the mail will be cheaper than the express. TERMS OF THE TRIBUNE — WitJwut Pre- miums: THE WEEKLY TRIBUNE. Single copy, one year, $2; five copies, one year, $1.50 each; ten copies, one year. $1 each. SEMI-WEEKLY TRIBUNE. Single copy, one year, $3; five copies, one year, $2.50 each; ten copies, one year, $2 each. One free copy is given for ten names; or, the person making up a club may retain ten per cent, cash, com- mission. The price of THE DAILY TRIBUNE, including the Sunday Edition, is $12 per year, $3 for three months, $1.20 for one month. Without the Sunday Edidon, $10 per year, $2.50 for three months, $1 for one month. The Sunday Edition alone is $2 per year. W T e cannot afford club rates or commissions on Daily subscriptions. SPECIMEN COPIES of either edition of The Tribune sent free and postage paid to any address. We want an agent at every Post-office in the United States where we have not one now. Remittances should be made by registered letter, Post-office order, or draft on New-York. 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They are beautifully printed on fine plate paper, 22 by 28 inches in size, and will be ornaments to any parlor, library, or office. A YEAR'S READING FOR ONE DOLLAR. ew-York Weekly World New Presses, New Type Throughout, New Building, New Appliances of Every Kind, and New Life in Every Department. TO ANY ADDRESS, POSTAGE PAID, $1.00 A YEAR; OR, 50 CTS. FOR SII MONTHS. An extra copy to getter-up of club of ten. The Semi-Weekly to getter-up of club of twenty. The Daily to getter-up of club of fifty. A COMPLETE FAMILY PAPER. SPECIAL DEPARTMENTS FOR EVERY MEMBER OF THE HOUSEHOLD. 1. All the news, fully and sxioeinctly. 2. Tlie Farmer's World-A full page of -Agricultural and Farm News. 3. The Literary World-A full page of Long Stories and Short Stories, Comic Ballads and Serious JPoems, Fairy Tales and Sailors' Yarns. 4. The Housekeeper's Colurans-Wliat Every Woman Wants to Know. 5. The "Veterinary Department — "With prescriptions free for all Subscribers, and full instrtietions for the treatment of live stock. 6. The "best Chess Column in the World for amateur players. T. The best Checker Department in the World for both amateur and profes- sional players. 8. A. Cornei* for the Young Folks — Riddles, Charades, Puzzles, Enigmas, Acrostics, Sec 9. Complete Market Reports — Unrivaled in detail and accuracy. lO. Answers to Inquiries. Each department is perfect of its kind, and all combined make the best Weekly Newspaper ever published. The Semi-Weekly World, one year $2.00 An extra copy to getter-up of club of ten. The Daily to getter-up of club of twenty-five. The Semi-Weekly contains (Tuesday and Friday) all the contents of the Weekly, short tales by the best writers of fiction in England and America, and all the cream of The Daily World. Dam World, one year.. 410.00 Daily World, with Sunday Edition, one year 12,00 The Neiv-York World has no superior on either side of the Water as a Live, Brilliant, Perfectly Appointed, Progressive Newspaper. THE NEW- YORK WORLD, World Building, New- York. Mr. Stowe, of Stockton, Cal., is one of the most popular, as well as one of the very best, teachers of penmanship on the Pacific Coast. He learned his beautiful handwriting from Gaskell's Compendium by practicing from it at odd hours at home, without a teacher. Mr. Stowe writes : " I began practicing from your Compendium some time ago, and have since received two premiums at the San Joacjuin Valley Fair for the best penmanship and the best pen-drawing. I send you my old signature, clipped from an old account-book ; also my new." The new signature isjust below his portrait above, and his old style here : Mr. Crossley is a conductor of the Pullman Co., running be- tween St. Louis and Texas. His post-office address is in care of that company, St. Louis. He writes : "I sent for your Compendium April 2, of the present year. Since that time, I have, at odd moments, followed your instruc- tions and practiced the exercises, am now see so great a change in my penmanship that I have resolved to write and show you my improvement. I cannot say too much in praise of your splendid system and beautiful copies, and know that a dollar cannot be invested better. Enclosed please find my signature, clipped from old reports of this year, before and after using the Compendium." This, below, is his old style,— the new is below portrait : GASKELL'S COMPENDIUM Consists of a full series of Copy-slips, Book of Instructions, Ornamental Flourishing, Lettering-, Pen-drawing-, Ladies' Penmanship, etc., etc. By means of this self- teaching system any one can acquire a rapid and beautiful handwriting at odd hours, by home or office practice, without a teacher. It is the finest Penmanship ever published, and put up in durable and elegant form. Price, One Dollar, for which it will be mailed, prepaid, anywhere. Address, Prof. G. A. GASKELL, Box 1534, New-York City. .Sold in England by Triibner & Co., Booksellers, 57 and 59, Ludgate Hill, London; in New- York, by D. Appleton & Co. and American News Co. ; Chicago, Fairbanks, Palmer & Co. ; San Francisco, A. L. Bancroft & Co. ; Portland, Oregon, J. K. Gill & Co. Mr. Gaskell is the proprietor of the business colleges at Manchester, N. H., and Jersey City, N. J., both of which are under the best teachers, with pupils from every part of the country. The Penman's Gazette, giving full information, and many other specimens of improve- ment from young people all over the country, /m? to all who will drop us a postal request for it. ESTABLISHED 1860. She fMMist For 1882. A RELIGIOUS, LITERARY & FAMILY NEWSPAPER. National, Independent, Bright, and Religious. Published Weekly at No. 15 Murray St. New-York. TWO DOLLARS A TEAR. The Methodist is now in its 226. year of publication, and is a first-class Religious and Family Newspaper. It is published weekly, each issue containing from twenty to twenty-four pages. It is one of the BEST and CHEAPEST of the Methodist weeklies. DAVID H. WHEELER, D. D., LL D., Editor, DANIEL CURRY, D. D., LL D., Associate Editor, Assisted by an able staff of Contributors. Among its special attractions are Editorials on current and religious topics, brilliant and timely Editorial Paragraphs, a weekly Sermon, Stories for Children, Exposition of the weekly Sunday-school Lesson, a Serial story, a Department of Church News from all sections of the country, Missionary Intelligence, Young Men's Christian Associations, Temperance Notes, excellent Contributed Articles on various themes, and the choicest of selections, etc., etc. Canvassers wanted Everywhere, to whom the most liberal Cash Com- missions will be allowed. For particulars send for Circular. As an advertising medium for business men, few papers of the same circulation can compare with The Methodist, as it reaches every part of the country, and finds its ivay into every State and Territory of the United States, H. W. DOUGLAS, Publisher, 15 Murray Street, New- York. THE GREENWICH INSURANCE COMPANY. 161 Broadway, New-York. ORGANIZED IN 1834. (This Company has been uninterruptedly and successfully in business forty-seven years. 91st Semi-Annual Statement of Assets. JULY 1, 1881. United States Registered Government Bonds (market value) $296,950.00 District of Columbia Registered 3-65 Bonds (market value) 136,250.00 Loans on Bonds and Mortgages, being first liens on improved real estate in the City of New-York (the estimated value of same being $150,000) 43,176.00 Real Estate (unincumbered), situated in the City of New-York.. 127,500.00 Bank Stock (market value) 25,000.00 First Mortgage Railroad Bonds (market value) 12,600.00 Loans on Call (market value of Securities, $127,785) 85,450.00 Cash in Bank and Office 21,515.72 Interest Due and Accrued (not included in "market value") 833.64 Rents Due and Accrued 1,356.33 Premiums Due - - 30,082.43 Bills Receivable 11,130.15 $791,844.27 CASH CAPITAL $200,000.00 Outstanding Liabilities (including unpaid losses, reserve for re- insurance, and all other claims) $216,391.10 Net Surplus 375,453.17 $791,844.27 SURPLUS as regards Policy-holders $526,912.12 SAMUEL C. HARRIOT, MASON A. STONE, President. Secretary. NEW-YORK ALMANAC FOR 1882. EDITED BY JAMES M. HUDNUT. NEW -YORK: FRANCIS HART & CO. 63 MURRAY ST. COR. COLLEGE PLACE. 1883. Copyright, 1881, by FRANCIS HART & CO. 2 THE NEW-YORK ALMANAC. ASTRONOMICAL PHENOMENA, ETC., 1882, By Berlin H. Wright, Esq., Penn Yan, N. V. ECLIPSES, L888. There will be two Eclipses this year, both of the Sun ; and a Transit of the planet Venus over the disc of the Sun : I. A Total Eclipse of the Sun, May 17, invis- ible in America. II. An Annular Eclipse of the Sun, Nov. 11, visible in Pacific Ocean only. III. A Transit of the planet Venus across the Sun's disc, Dec. 6, visible throughout North America and Europe. [Sec table] Table of Transit of Venus, Dec. 6, 1882. PLACES. Beginning. Alt. Ending. Alt. H. If. S. Dog H. M. S. cleg Albany, N. Y 9 29 51AM 16 2 51 58PII 13 Austin, Tex 7 53 36 " II I 1742 " 32 Baltimore, Md. . . 9 18 13 " 18 2 40 29 " 17 Boston, Mass 9 40 26 " 19 3 236" 12 Buffalo, N. Y 9 9 J 4 " 15 2 3 1 32 " 15 Charleston, S. C. . 9 4 47 " 21 2 27 26 " 24 Chicago, 111 834 28 " 2 57 18 " 19 Cincinnati, O. . . . 84653 " 14 2 9 32 " 21 Columbus, O 85241 " 14 2 15 23 " 20 Detroit, Mich 852 45 " 14 2 15 25 " 19 Denver, Colo 724 55 " 2 O 49 IO " 27 Galveston, Tex. . . 8 524" 14 I 29 23 " 33 Houston, Tex. . . . 8 244 " 13 I 29 23 " 33 Indianapolis, Ind. 84035 " 13 2 3 20 " 22 Kansas City, Mo. Louisville, Ky . . . . 865" 8 I 29 39 " 26 8 42 50 " 15 2 5 38 " 22 Milwaukee, Wis. . 8 33 14 " 10 I 56 2 " 20 Mobile, Ala 8 32 24 " 18 1 55 43 " 3i Nashville, Tenn. . 8 37 30 " 15 2 36 " 25 New Orleans, La. 8 24 30 " 16 1 47 55 " 3i New- York City. . . 92845 " 18 25051 " 14 Philadelphia, Pa. . 924 7" 18 2 46 16 " 15 Providence, R. I. . 9 39 7 " 18 3 1 12 " 13 Raleigh, N. C. . . . 9 9 26 " 20 2 32 4 " 21 Richmond, Va 9 14 52 " 18 2 47 10 " 18 Rochester, N. Y. . 913 28 " 15 2 35 43 " 14 SanFrancisco, Cal. Beg.bef.su nri. II 41 HAM 30 St. Augustine, Fla. 858 5AM 22 2 20 58 P.M 27 St. Louis, Mo. . . . 823 54 " 12 I 46 55 " 24 St. Paul, Minn. . . . 8 1247 " 5 1 35 52 " 19 Springfield, 111. . . . 8 26 44 " 10 1 49 44 " 22 Washington, D.C. 9 16 34 " 18 2 38 47 " 18 Note.— In the Middle and New England States, Venus will cross the Sun's southern limb from east to west, first touching the Sun's disc at a point 150 degrees from the north to the east, and leaving the Sun 120 degrees from the north point toward the west. MOVABLE FEASTS, 1882. Septuagesima Sunday February 5 Sexagesima Sunday February 12 Quinquagesima Sunday February 19 Ash Wednesday February 22 Quadragesima Sunday February 26 Mid-Lent Sunday March 12 Palm Sunday April 2 Good Friday April 7 Easter Sunday April 9 Low Sunday April 16 Rogation Sunday May 14 Ascension Day May 18 Whit Sunday (Pentecost) May 28 Trinity Sunday June 4 Corpus Christi June 8 Advent Sunday December 3 EMM I K DAYS. Wednesday, Friday, and Saturday after first Sunday in Lent — March 1, 3, and 4. Wednesday, Friday, and Saturday after Pen- tecost — May 31, June 2 and 3. Wednesday, Friday, and Saturday after 14th of September — September 20, 22. and 23. Wednesday, Friday, and Saturday after 13th of December — December 20, 22, and 23. THE FOTJB SEASONS. (Washington ?nean time.) Winter begins 1881, December 21, 10 h. 52 m. morning, and lasts 90 d. 1 h. 10 m. Spring begins 1882, March 21, o h. 2 m. even- ing, and lasts 91 d. 20 h. 4 m. Summer begins 1882, June 21, 8 h. 6 m. morn- ing, and lasts 93 d. 14 h. 23 m. Autumn begins 1882, September 22, 10 h. 29 m. evening, and lasts 89 d. 18 h. 16 m. Winter begins 1882, December 21, 4 h. 45 m. evening. Tropical year, 365 d. 5 h. 53 m. MORNING STARS. Mercury, until January 6, and from February 22 to May 2 ; June 28 to August 14 ; and Octo- ber 22 to December 16. Venus, until February 20 ; and after Decem- ber 5. Mars, after December 10. Jupiter, from May 30 to Sept. 23. Saturn, from May 6 to August 18. Uranus, from September 11 to December 15. Neptune, from May 6 to August 11. THE NEW-YORK ALMANAC 3 EVEXIXG STARS. THE ZODIAC AND ITS SIGNS. Mercury, from Jan. 6 to Feb. 22 ; May 2 to June 28 ; Aug. 14 to Oct. 22 ; and after Dec. 16. Venus, from February 20 to December 6. Mars, until December 10. Jupiter, until May 30 ; and after September 23. Saturn, until May 6 ; and after August 18. Uranus, until Sept. 11 ; and after Dec. 15. Neptune, until May 6 ; and after August 11. PLAXETS BRIGHTEST, 1882. Mercury, February 3-6, May 28 to June 1, and September 25-28, setting after the Sun ; also, March 21-24, J u b' I 9 -22 . an d November 7-10, rising before the Sun. Venus, November 1. Mars, not this year. Jupiter, December 18. Saturn, November 14. Uranus, March 6. Nep- tune, November 9. MOON'S APOGEE, PERIGEE. HIGH- EST AND LOWEST. MONTH. Moon Moon Moon Moon Apogee. Perigee. Highest. Lowest. January .... 7 20 I-29 16 February . . . •4 17 25 12 March 3-3o 18 24 12 April 27 15 21 8 25 12 18 5 June 21 7 14 1-29 July 19 3-3i 12 26 August 16 29 8 2 3 September . 12 26 4 19 October .... 9 24 1-29 16 November. . 6 22 25 12 December . . 3-3i 18 23 10 CALENDAR EXPLANATION 9 . In the columns of moon's rising and setting, the time of only one of these events is given for each day — that one which occurs while the Sun is down. When the word "rises" is found in the column, the Moon is at the full, and the fig- ures following that word are P. M., or evening, until the word "morn," which means midnight. From " morn " the figures are A. M., the Moon rising in the morning before the Sun is up. Then after the word " sets," the time of setting is given, which grows later and later, from early evening until early morning, until the Moon again is at the full. To get the correct time, use a meridian line and set your time-piece by the time given under " Sun at noon mark." The times of Sun's rising and setting are exact only where the Earth's surface is level. Spring Signs. ¥ Aries. 8 Taurus, n Gemini. Summer Signs. c Cancer. K Leo. m Virgo. Autumn Signs. 7. =^ Libra. i'l Scorpio. t Sagittarius. Winter Signs. 10. \j Capricornus. 11. Of Aquarius. 12. X Pisces. The Zodiac is an imaginary belt in the heavens, sixteen or eighteen degrees broad, in the middle of which is the ecliptic, or Sun's path. The stars in this belt comprise the twelve con- stellations, being separable into that number of groups. The groups were given by the ancients the names they now bear, on account of real or fancied resemblances. They are called the Signs of the Zodiac. The above classification refers to the position of the Sun. The Moon passes through them all every 27 d. 7. h. 43 m. 11. 5 s. The ancients supposed their position at the time of a person's birth to have an influence on his character and destiny. They connected the different Signs of the Zodiac with different parts of the body, as above. Some people still consult their almanacs when about to plant certain vegetables. Probably there is about as much sense in one as the other. The classification serves a useful purpose, however, as the prominent stars in each constellation are known by different letters of the Greek alphabet, and hence are easily designated. i THE NEW-YORK ALMANAC. "'"pnii thirty-sixth annual report of the Nkw- L York Life shows that this old and trust- worthy institution continues to enjoy in a marked degree the confidence and patronage of the insuring public. The large increase in assets, surplus, and policies in force must be very grati- fying alike to the officers of the Company — whose prudence and skill are thus attested — and to the policy-holders, who reap the benefit of the Company's increasing prosperity and strength.' — Examiner and Chronicle. THE words of Mr. Joshua Billings are pointed. " Thar iz advice enuff now laying around loose to run three just such worlds as this ; what we are suffering most for iz sum good examples." If you do not wish to trade with the devil, keep out of his shop. — Thos. Fuller. THE universe is in league against the selfish man. Not to prevent him from getting property, not to prevent him from having all the outward semblance of happiness, but to prevent his having the real thing, and having it winter and summer with him, and having the remem- brance of it sweet. And so, if a man does not enjoy making others happy, it may be wise for him to inquire why. He may do it softly, and tell no man the answer the oracle within him gives, but let him not despise it nor disregard it. If a man is walking in devious ways morally ; if he is neglecting his business or his family ; if he is trusting to "luck," or to the forbearance and charity of those to whom he ought to be not only just, but generous — let him know that the RESULT will judge him. From that there will be no appeal. First Month. JANUARY, L882. I'/iirty-otie Days. Life insurance Phenomena for the most health- ful portions of the United States, t he Dominion of Canada, Great Britain and Ireland, France and BELGIUM. r A i knhar fok Calendar for Boston! X„w England N-V.C" v. Phh a,m^„ N.Y. state, Michigan, I Connecticut, New- Wisconsin, Iowa Jersey, Pennsylvania and Oregon. OHIO, Indiana am Illinois. U Calendar for Washington, Mary- land, Virginia, Kentucky, Missouri and California. Sun Sun Rises Sets. Moon Sets. 11. W. Boston Mon Tues Wed Thur Fri Sat Mon Tues Wed Thur Fri Sat Mon Tues Wed Thur Fri Ij Sat Mon Tues Wed Thur Fri Sat Mon | Tues M During- the month of January, 1881, the New- York Life Insurance Compa- ny paid 44 death- claims on the lives of 4 persons. The whole amount paid was $118,- 142.00, an averag-e of over $2900 to each family. The premiums paid on these policies, less the dividends re- turned by the Com- pany, amounted to $58,246.32, an averag-e of less than $1500 to each family. The gain to the families of the deceased was, therefore, $59,895. 68, an average of over $1400 each. For each $100 paid to the Company, they received $202.83. H. M. | H.M. H. M. I H. | 7 3o 4 38 4 55! 9 7 3o 4 39 I 5 50 7 30 4 40 ] 6 39 30] 4 41 rist-s 30 4 42 6 14 29 4 43 29 4 44 29 4 45 29 4 46 10 6 29 4 47 11 5 29 4 48 morn C 9 59 Sun Sun i Moon Rises 1 Sets. , Sets. 7 13 8 11 7 22 7 21 7 20 III 7 17 7 16 7 28 4 50 28 4 51 28 4 52 27 4 53 27 4 54 26 4 55 4 56 4 58 4 59 5 o 5 1 5 3 5 4 5 5 5 S 5 8 5 9 5 10 3 16 4 20 10 49 11 32 ev. 10 50 1 28 2 7 2 43 3 21 4 2 4 5i 5 45 6 44 7 5° 8 56 ;h. m. 7 25 ! 7 25 7 25 ; 7 2 5 7 25 7 25 H.M. H. 5 13 5 20 i 9 56 6i 4 ' sets 6 42 7 58 10 26 11 36 morn 44 148 2 49 3 4 6 4 36 5 22 10 54 I 11 45 morn 35 1 23 2 10 2 57 3 4° 4 4i 5 42 6 43 7 45 8 45 9 38 4 4 4 4 4 4 25 4 24 4 24 4 24 4 24 4 23 I 4 23 4 23 4 M. 4 5' 5 45 6 35 rises 617 7 16 813 9 9 10 5 52 1 11 3 53 morn 3 1 4 2 7 3 11 4 15 5 15 6 10 sets 6 44 7 59 9 13 10 25 11 33 9 morn 10 1 41 1 44 2 45 3 3i 4 3i 5 17 54 55 56 4 57 4 59 5 o 5 5 5 5 5 5 5 5 5 n. w . \. Y. Sun i Sun IMoon' Moon Rises Sets Sets. ; South. 5 51 6 45 7 37 8 14 8 56 9 36 10 13 10 48 11 25 ev. 6 49 1 38 2 31 3 30 4 35 5 41 6 42 7 36 828 9 21 10 9 10 52 11 41 mom 32 1 28 2 27 3 29 4 3i 5 30 6 24 H.M. 4 49 18 5 18 5 18 5 8 5 20 H. M. 4 45 5 40 6 29 rises 6 21: morn 1 1 2 4 3 6 4 10 5 10 6 5 sets 647 8 o 9 13 10 23 11 31 morn 37 1 40 2 40 3 36 4 26 5 12 40 1 26 2 52 3 33 4 14 4 56 5 40 6 26 716 8 10 9 8 10 8 n 9 ev. 9 1 7 2 3 2 57 3 49 4 40 5 32 6 23 7 *5 8 7 8 58 9 49 10 37 Moon's phases. Boston. New-York. Washington. Charleston. SUN AT NOON MARK. Full Moon, D. h. M. H. M. h. M. H. M. D. H. M. S. 4 6 14 Morning. 6 2 Morning. 5 50 Morning. 5 38 Morning. I 1240 Last Quarter, 12 3 Morning. 10 51 Morning. 10 39 Morning. 10 27 Morning. 9 12 7 3 I New Moon, 19 11 51 Morning. 11 39 Morning. 11 27 Morning. 11 15 Morning. 17 12 IO 28 First Quarter, 26 3 1 Morning. 2 49 Morning. 2 37 Morning. 2 25 Morning. 25 12 12 40 THE NEW-YORK ALMANAC. A Winter's Morning. (i THE NEW-YO RK ALMANAC. >^pEN thousand dollars is a goodly sum X for most men to earn and save. The ma- jority of men leave less than that behind them when they die. To the families of some, such an amount would make all the difference there is between independence and want. How can one get so much ahead ? The expenses of a fam- ily are heavy — if children are brought up to be anything more than hewers of wood and drawers of water. It would take most of us the better part of a life-time to save ten thousand dollars from our earnings. But we may not live so long ; and if we die before 7i• U. O tk ful portions of the United states, THE Dominion ok Canada, 1 Wisconsin, Iowa and Oregon. jersey, Pennsylvania, Ohio, Indiana and Illinois. Kentucky. Missouri and California. 1 Great Britain and > < Ireland, France and BELGIUM. | Sun Sun Moon H. W. Sun Sun Moon H. w. Sun Sun Moon Moon Q Rises Sets. Set;,. Boston Rises Sets. Sets. N. Y. Rises Sctb Sets. South. Early in February, H. M. H.M. H. M. H. M. H. M. H.M. H. M. H.M. H. M. H.M. H. M. H. M. 1881, the New- 32 Wed York Life Insur- 7 14 5 M ! 5 59 IO 25 7 " 5 18 5 55 nses 7 11 7 7 5 21 5 5i 11 23 33 2 Thur ance Co. issued its 7 13 5 15 rises » 6 7 10 5 19 7 49 7 6 5 23 nses morn 34 3 Fri thirty-sixth annual 7 12 5 16 6 3 II 45 7 9 5 20 6 5 827 7 5 5 24 6 7 7 35 4 Sat report, which 7 « 5 18 7 1 ev 20 5 21 7 2 9 6 7 4 5 25 7 3 50 36 5 £> showed the pre- 7 10 5 19 8 56 \ I 5 22 5 23 8 9 42 7 3 5 26 8 1 32 37 6 Mon vious year to have 1 7 9 5 21 8 57 1 3i 7 5 8 56 10 16 7 2 5 27 8 55 2 13 38 Tues been one of marked 7 8 5 22 5 23 9 55 2 7 7 4 5 25 9 53 10 49 7 1 5 28 9 5; 2 54 39 I Wed prosperity. The in- 7 6 10 57 2 47 7 3 5 26 10 54 11 29 7 5 29 10 51 3 37 40 9 Thur come of the Com- 7 5 5 24 11 57 3 29 7 2 5 27 11 54 morn ev 14 6 59 5 30 11 50 4 22 41 10 Fri pany amounted to 7 4 5 25 morn 4 17 7 1 5 28 1 4 6 58 5 32 morn 5 9 42 11 Sat nearly $9,000,000, 7 2 5 26 1 1 5 '3 7 5 30 57 1 59 6 57 5 33 52 6 43 12 Mon and exceeded the 7 1 5 28 2 1 6 18 6 58 5 31 1 57 3 3 6 55 5 34 1 52 6 53 44 *3 expenditures by 7 5 29 3 2 725 6 57 ! 5 32 2 57 4 IO 6 54 5 35 2 52 7 50 45 14 Tues over three millions 6 59 5 30 3 58 8 34 6 56 5 34 3 54 I 19 6 53 5 36 3 49 8 49 46 15 Wed —the larg-est excess 6 57 5 32 4 49 9 38 6 55 5 35 4 45 24 6 52 5 38 4 4° 5 25 9 49 47 16 Thur of any life company in the world. There 6 56! 5 33 5 32 10 24 6 53 5 36 5 28 7 19 6 51 5 39 10 47 48 *7 Fri 654 5 35 6 n 11 25 6 52 5 37 6 9 8 8 6 49 5 40 6 7 11 45 49 18 sat ; was a large in- 6 53 5 36 sets morn 6 51 5 39 sets 8 56 ! 6 48 5 41 sets ev 40 5° *9 .3 crease in premiums, 6 52 5 38 8 1 15 6 49 5 40 8 9 45 6 47 5 42 8 1 35 51 20 Mon interest, assets, surplus, insurance 6 50 5 39 9 "5 59 6 48 5 4i 9 i3 10 29 6 46 5 44 9 « 2 29 52 21 Tues 6 48 5 40 10 26 1 45 6 46 5 43 10 23 11 16 | 6 44 5 45 10 20 3 22 53 22 Wed written and in force, 6 47 5 42 " 35 2 33 6 45 5 44 11 31 morn 6 43 5 46 11 27 4 16 54 2 3 Thur while payments to 6 45 5 43 morn 3 23 6 44 5 45 morn 8 6 42 5 47 morn I 9 55 24 Fri policy-holders 6 44 5 45 40 4 17 6 42 5 46 35 1 4 6 40 5 48 30 6 2 56 25 Sat amounted to nearly 6 42 5 46 1 39 5 15 6 41 5 48 1 35 2 1 6 38 5 49 1 29 6 55 57 26 s $4,5 0,0 0. The 6 41 5 47 2 33 6 20 6 39 5 49 2 28 3 6 6 37 5 5i 2 23 7 45 58 27 Mon interest receipts 6 39 5 49 3 19 7 20 6 38 5 5o 3 13 4 5 6 36 5 52 3 9 8 34 59 28 Tues exceeded the death- 6 38 5 50 3 59 8 17 6 37 5 5i 3 55 5 1 6 34 5 53 3 5i 9 21 claims by $586,167. Moon's Phases. boston. Full Moon, Last Quarter, New Moon, First Quarter, 1 14 Morning. 3 50 Morning. 10 6 Evening. 4 47 Evening. New-York. h. M. 1 2 Morning. 3 38 Morning. 9 54 Evening. 4 35 Evening. Washington. Charleston. o 50 Morning. 3 26 Morning. 9 42 Evening. 4 23 Evening. H. M. o 38 Morning. 3 14 Morning. 9 30 Evening. 4 11 Evening. sun at noon mark. 9 17 25 I H. M. S. 12 13 53 12 14 27 12 14 12 12 13 13 'What Shall I Say?" 8 THE NEW- YO RK ALMANAC. Endowment insurance anticipates the time whefi the insured will have greater need of money while he lives than those who have been dependent upon him will when he dies. In a word, it accommodates its benefits to the changed circumstances which time brings to all who live many years after insuring. It is a shield which protects children while they grow to manhood and womanhood, and under which old age may finally repose in peace. The proceeds of an Endowment Policy are likely to be needed, either as insurance, in case of the early death of the insured, or as an endowment in case his life is prolonged, and the benefit takes the form in which time shows it to be most needed. If a man dies young, his family receives it ; if he lives to the close of the endowment period, he receives it himself. "/ \ STRANGE, sweet season of upheaving birth, V_y O oft-returning miracle of grace, To whose pure sources once again we trace Love's tides, that yearning beat the strong, self- centered earth ! No weight of ages on her swelling breast Can dull the keen delight of opening Spring.' PUT heart in your work, whatever it is. If it be the lowliest, simplest little task, it will be ennobled by your doing it well and cheer- fully, and taking real pleasure in it. I wonder," said a young lady, "why Hy- men is always represented as carrying a torch, " to which her bachelor uncle responded, " To indicate that he always makes it warm for people who marry." Third Month. MARCH, 1882 Thirty-one Days. go Wed Thur Fri Sat a Mon Tues Wed Thur Fri Sat Mon Tues Wed Thur Fri Sat Mon Tues Wed Thur Fri Sat Mon Tues I] Wed Thur Fri II Life insurance Phenomena for the most health- ful portions of the United states, THE Dominion of Canada, Great Britain and Ireland, France and Belgium. Cai kndar for Calendar for BOSTON, NEW ENGLAND N- Y. ClTV PHlI.AnELPH. M v Statu MirmrAN CONNECTICUT, NEW Wisconsin Iowa Jersey, Pennsylvania, aSd N OR N ECON A OHIO. INDIANA AND I Illinois. Calendar for Washington, Mary- land, Virginia, Kentucky, Missouri and California. Sun , Sun Rises I Sets. Moon Sets. H. W. Sun Sun Moon H. W. Boston Rises Sets. Sets. N. Y. President Garfield was inaugurated March 4, 1881 ; on the following- day the "Army and Navy Journal" said: There is only one way to live up to one's income and yet not neglect the duty of making provision for the future. That way is to utilize life insurance. In the New- York Life In- surance Company, at least forty-eight thousand persons have made such provision for their future, trusting the Company with a faith which time has amply justified. |H. M. ' 6 36 o 35 6 33 ,6 3i 6 30 6 28 1 6 26 H.M. ! H. M. I S 5I| 4 35^ 6 25 6 23 6 21 6 20 6 18 6 6 6 6 6 6 6 6 6 6 5 5 5 5 5 5 5 5 5 5 5 6 6 6 6 6 6 i 6 6 11 6 12 |6 13 6 6 6 6 6 6 6 6 6 6 52 5 5 53 5 33 54 rises 55 651 56 1 7 49 57 849 5 8 9 50 59 1052 o II 52 2 morn 52 1 47 2 37 3 22 4 3 4 39 5 12 sets 9 13 14 10 22 15 11 26 17 morn 18 23 l 9\ 1 13 20 1 1 56 21 2 34 22 3 7 2 3| 3 34 4 H. M. 9 9 10 36 11 14 1 38 2 20 3 3 3 53 5 56 7 6 8 14 9 »S 10 11 1 11 2 11 48 ! morn 34 1 21 2 10 3 o 3 52 4 5o 5 48 6 45 7 4i 831 I 9 17 11 M 6 3 6 6 6 6 6 6 6 6 6 6 6 6 6 C 6 6 6 6 6 6 53 53 54 55 56 57 . 58 847 59 9 47 10 48 1 11 48 2 morn 48 H. M. 4 3i 5 3 5 3i rises 6 50 7 47 1 42 2 33 3 19 4 o 4 38 5 12 sets 7 59 9 10 10 18 12 13 14 15 1 11 21 16 morn 17 19 18 1 1 9 1 52 2 30 3 4 3 33 4 1 19 20 H. M. 5 54 641 7 21 7 56 831 9 9 9 46 10 23 11 2 11 48 ev 39 1 39 2 42 3 5i 4 58 6 1 6 57 7 45 831 9 21 10 7 10 52 11 44 morn 38 1 37 2 34 3 31 4 20 5 16 6 3 , Sun Sun J j Rises j Sets I H. M. 6 33 6 32 6 30 6 29 6 27 6 26 H.M. 5 54 5 55 5 56 5 57 5 57 5 58 Moon Moon Sets. South. H. M. , H. M. 4 28| IO 6 5 o 10 49 5 30 xi 31 rises morn 650 12 6 24 5 59 6 23 6 o 21 6 1 20 6 2 18 6 3 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 22 I i 7 46 ! 844 9 43 1044 11 43 morn 42 1 37 B 28 3 i5 3 57 4 36 5 " sets 7 56 9 6 10 14 11 16 morn 13 1 4 1 47 2 27 3 1 3 3i 54 136 2 20 3 7 3 56 4 47 5 41 6 37 7 34 831 9 27 10 23 11 17 ev 12 1 6 2 1 2 57 3 52 4 46 5 39 6 29 7 17 8 3 846 9 2 9 3 59 10 10 1 Moon's Phases. Boston. New-York. Washington. Charleston. SUN AT NOON MARK. D. H. M. H. M. h. M. h. m. D. H. m. s. Full Moon, 4 7 56 Evening. 7 44 Evening. 7 32 Evening. 7 20 Evening. I 12 12 28 Last Quarter, 12 4 44 Evening. 4 32 Evening. 4 20 Evening. 4 18 Evening. 9 12 IO 37 New Moon, J 9 7 34 Morning. 7 22 Morning. 7 10 Morning. 6 58 Morning. 17 12 8 23 First Quarter, 26 8 49 Morning. 8 37 Morning. 8 25 Morning. 8 13 Morning. 25 12 5 59 THE NEW-YORK ALMANAC. 9 - A Member of the Life-Saving Service. LO THE NEW-YO RK ALMANAC. Hvkky one ought to save up money at some time of life. Ordinarily a man ought to save in his early manhood. It is a shame for a young man to spend his whole income upon himself. He may have others dependent on him, so that he is thereby prevented from saving money, and in such cases all honor to him if he acknowledges the claim of their weakness upon his strength. It will teach him the value of money, and keep him from wasting it upon things that bring no real and permanent good. Do you think the amount you can invest is too small to amount to anything ? Consider life and endowment insurance. For young men the rates are low, and a policy is a good investment. The five or ten dollars per month, that seems so small a sum to put at interest, will pay premiums on I a policy for a small fortune, payable to you in | cash fifteen or twenty years from now. Of course, it's of no use to talk to you at present about what you will need when you get married, but you will probably acknowledge that $2000, payable to yourself at age thirty-five or forty, would be worth thinking of. Think of it at once, and secure it by an endowment policy in the Nkw-York Life. The true wealth of a community lies in the integrity of its citizens, and its chief honor arises from the possession of great and true men. A good-natured traveler fell asleep in a train and was carried beyond his destination. " Pretty good joke, isn't it?" said a fellow- passenger. "Yes, but carried a little too far," was the rejoinder. Fourth Month. A.PRIL, 1882 Thirty Days. 9 1 I 92 2 93 3 94 4 9 l 5 96 6 9 l 7 98 8 99 9 100 10 IOI 11 102 12 103 13 104 105 I? 106 16 107 17 108 18 109 J 9 no 20 III 21 112 22 "3 23 114 24 115 25 Il6 26 117 27 Il8 28 119 29 I20 30 lifb insurance Phenomena for the most health- ful portions of the United states, [HE Dominion of Canada, Great Britain and Ireland, France and Belgium. Calendar for Boston, New England N. Y. state, Michigan, Wisconsin, Iowa and Oregon. Calendar for N. Y. City, Phii.adelph. Connecticut, new Jersey, Pennsylvania, Ohio, Indiana and Illinois. Sat Mon Tues I Wed ! Thur Fri Sat a Mon [ Tues Wed i Thur Fri 1 Sat I Mon I Tues Wed Thur! Fri Sat s Mon Tues j Wed j Thur j Fri Sat During the month of April, 1881, the New-York Life Insurance Compa- ny paid 53 death- claims on the lives of 45 persons. The whole amount paid was $185,- 402.00, an average of over $4100 to each family. The premiums paid, on these policies, less the dividends re- turned by the Com- pany, amounted to $71,306.76, an average of less than $1600 to each family. The gain to the families of the deceased was, therefore, $114,095.24, an average of over $2500 each. For each $100 paid to the Company, they received $260.00. Calendar for Washington, Mary- land, Virginia, Kentucky, Missouri and California. Sun Sun Moon II. w. Sun Rises Sets. Sets. Boston Rises H. m. H.M. H. M. H. M. H. M. 5 43 6 25 428 9 58 5„ 5 4i 6 27 4 53 1039 5 42 5 40 6 28 rises si 17 5 41 5 38 6 29 7 42 11 54 5 39 5 36 6 30 846 ev 32 5 37 5 35 9 47 1 13 5 36 5 33 32 Jo 45 1 59 5 34 5 3i 6 33 11 42 2 47 5 33 5 3° 6 34 morn 3 38 5 3 1 5 28 , 6 36 33 4 37 5 3=> 5 26 6 37 1 19 5 4i 5 1 5 25 6 38 1 58 6 45 5 26 5 23 6 39 2 33 7 5i 5 25 5 21 6 40 3 9 851 5 24 5 20 I 41 3 4i 9 46 5 22 5 18 6 42 4 '4 10 37 5 20 5 i6|6 43 4 56 11 30 5 i9 5 15 ° 45 sets morn 5 l l 5 13 6 46 9 6 10 5 16 5 « 6 47 10 9 1 1 5 i4 5 10 6 48 " 3 1 49 5 13 5 9 6 49 " 5i 2 38 5 n 5 7 6 50 morn 3 27 5 i° 5 6651 3i 4 18 5 8 5 4 6 52 1 6 5 10 5 7 5 3 6 53 1 36 6 4 5 6 5 1 6 55 2 4 6 57 5 4 5 6 56 2 30 7 46 5 3 4 5» 6 57 2 53 8 33 5 2 4 57 6 58 3 21 9 18 1 5 H. M. 4 27 4 54 rises 7 39 8 42 9 42 10 41 11 37 33 morn 34 29 35 1 15 3 6 1 55 37 2 31 38 3 8 39 3 4i 40 4 15 41 4 58 42 sets 43 9 2 44 10 4 45 1059 46111 46 47 morn 48 27 491 1 2 50 1 1 34 5122 52 2 29 531 2 54 55l 323 II. u . Sun Sun Moon Moon N. Y. Rises Sets Sets. South. H. M. H. M. H.M. H. If. H. II. 6 44 5 46 6 23 4 27 10 52 7 24 5 44 24 4 55 II 34 7 59 5 42 6 25 rises morn 8 37 5 4i 6 26 7 36 18 9 19 5 39 6 27 8 38 1 4 10 5 37 6 28 938 1 53 10 41 5 36 6 29 10 36 244 11 29 5 34 6 30 11 32 3 37 ev 24 5 33 6 31 morn 4 32 1 24 5 31 6 32 24 528 2 27 5 30 6 33 1 11 6 23 3 3i 5 28 6 34 1 52 7 17 4 36 5 2716 35 2 29 8 11 5 36 5 25 6 36 3 7 9 4 32 5 24 6 37 3 4i 9 57 7 22 5 23 6 38 4 17 10 50 813 5 21 639 5 1 11 50 8 56 5 20 6 40 sets ev 40 9 47 5 18 6 41 8 57 1 37 1033 5 i7 6 42 9 59 2 33 11 20 5 16 6 42 10 54 328 morn 5 i4 6 43 11 41 4 20 12 5 13 6 44 morn 5 10 1 5 5 " 6 45 23 5 57 156 5 10 6 46 59 6 42 2 50 6 47 1 3i 7 25 3 42 % I 6 48 2 1 8 7 4 30 5 6 49 2 29 848 5 18 5 5 6 50 2 54 9 30 6 04 5 4 6 51 3 24 10 14 Moon's Phases. Boston. New- York. Washington. Charleston. SUN AT NOON MARK. D. H. M. H. M. H. M. H. M. H. M. S. Full Moon, 3 1 3 Evening. 51 Evening. 39 Evening. 27 Evening. 1 12 3 50 Last Quarter, 11 1 46 Morning. 1 34 Morning. 1 22 Morning. 1 10 Morning. 9 12 I 30 New Moon, 17 4 54 Evening. 4 42 Evening. 4 30 Evening. 4 18 Evening. 17 11 59 27 First Quarter, 25 2 12 Morning. 2 Morning. 1 48 Morning. 1 36 Morning. 25 11 57 5o L8 THE NEW-YORK ALMANAC. "/AF all the methods that have been devised V_y by man for providing against the ordinary contingencies of life, there is none which, for immediate efficacy, can be compared with Life Insurance. The saving of actual money or its equivalent is always wise, and in many cases one of the first duties ; but, in the vast majority of instances, saving is a very slow process, and in the meantime there is no guarantee that time will be allowed for its accomplishment. The great advantage of Life Insurance is that it furnishes the needed provision from the very beginning." — The Christian at Work. T^ALSE friends are like our shadow— keeping JP close to us while we walk in the sunshine, but leaving us the instant we cross into the shade. T^yeky failure is a step to success; every detection of what is false directs toward what is true ; every trial exhausts some tempting form of error. Not only so, but scarcely any attempt is entirely a failure ; scarcely any theory, the result of steady thought, is altogether false ; | no tempting form of error is without some latent i charm derived from truth. — Whewell. A promise is a just debt, which you must il take care to pay, for honor and honesty are the security. OH, dear! " exclaimed Edith to her doll, " I do wish you would sit still. I never saw such an uneasy thing in all my life. Why don t you act like grown folks and be still and stupid for a while ? " Fifth Mouth MAY. L882 Thirty -one Days. I X < ■ >• F z Week X X X c >■ > < < < 121 I Mon 122 2 Tues 123 3 Wed 124 4 Thur 125 5 Fri 126 6 Sat 127 7 Sb 128 8 Mon 129 9 Tues 130 10 Wed 11 Thur 132 12 Fri 133 13 Sat J 34 14 Mon *35 15 136 16 Tues 137 17 Wed 138 18 Thur 139 x 9 Fri 140 20 Sat 141 21 142 22 Mon 143 2 3 Tues 144 24 Wed 145 25 Thur 146 26 Fri 147 2 7 Sat 148 28 & 149 29 Mon 150 30 Tues 151 31 Wed i.ii k insurance Phenomena for the most health- ful portions of the United states. THE Dominion of Canada, Great Britain and Ireland, France and Belgium. Calendar for Boston, New England N. Y. State, Michigan Wisconsin, Iowa and Oregon. Sun Sun Moon H. W Rises Sets. Sets. Boston During- the month of May, 1881, the New- York Life Insurance Compa- ny paid 54 death- claims on the lives of 49 persons. The whole amount paid was $193,- 865.00. an average of over $3900 to each family. The premiums paid on these policies, less the dividends re- turned by the Com- pany, amounted to $67,223.54, an average of less than $1400 to each family. The g-ain to the families of the deceased was, therefore, $126,641.46, an average of over $2500 each. For each $100 paid to the Company, they received $288.41. ,H. M. : 4 4 4 4 42 4 41 4 40 4 39 4 38 4 37 4 36 I 4 35 4 34 4 33 4 -2 4 ?i 4 31 4 30 4 29 I 4 29 4 28 4 27 I 4 27 4 26 H. M. \ a rises 8 39 9 37 10 30 11 16 11 59 8 morn 9 36 019 1 2 1 2 j 2 13 2 46 3 23 4 3 sets 8 50 9 4* 10 25 10 58 " 35 morn 4 3i 57 1 22 148 2 19 3 29 10 46 11 28 ev. 9 56 1 43 2 33 3 26 4 21 6 23 7 24 8 26 9 21 10 15 11 7 11 54 mom 40 1 26 2 13 2 57 3 42 4 28 5 15 6 6 6 57 7 48 8 38 9 28 <7 Calendar for n. y. city, philadelph Connecticut, New j e r s e y, p i-: n nsyi.v a n i a ohio, indiana and illinois. Sun Sun Moon H. W Rises Sets. Sets. I X. Y. Calendar for Washington. Mary- land, Virginia, Kentucky, Missouri and California. Sun I Sun Moon Moon Rises Sets. Sets. South. % o 6 59 6 58 ' 57 55 54 53 52 51 5 1 M. H. M. 52 1 3 54 53 54 55 56 4 24 11 48 1 rises morn | 829 39 9*7 1 32 57! 10 20 2 27 58 1 11 08 j 3 23 59 1 11 52; 4 19 morn 31 1 6 2 o 2I 5| 2 50 5 13 6 6 6 58 7 49 841 9 33 3 29 10 27 4 11 11 22 sets ev 18 8 40 1 14 9 9 3i 10 10 17 10! 10 51 11 1 11 30 morn 1 1 1 29 57 1 24 1 52 1 2 24 8 3 ° 3 49 4 36 5 20 6 2 6 44 7 25 8 8 852 9 39 2 58 ; 10 29 3 38 in 23 Moon's Phases. Boston. New-York. Washington. Charleston. SUN AT NOON MARK. D. H. M. H. M. H. M. H. M. D. H. M. S. Full Moon, 3 3 47 Morning. 3 35 Morning. 3 23 Morning. 3 11 Morning. I 56 56 Last Quarter, 10 7 51 Morning. 7 39 Morning. 7 27 Morning. 7 15 Morning. 9 II 56 14 New Moon, 17 2 49 Morning. 2 37 Morning. 2 25 Morning. 2 13 Morning. 17 II 56 IO First Quarter, 24 7 57 Evening. 7 45 Evening. 7 33 Evening. 7 21 Evening. 25 II 56 42 A Hungry Family. II THE NEW-YORK ALMANAC. IT is not good to be angry even with those who may seem with malicious intent to assail our most cherished beliefs. A few burning weeds may produce smoke enough to hide the stars, but the stars are shining all the same. It is not wise to vex and weary ourselves by angry denun- ciations of the smoke, which will soon pass off without our labor. WHETHER we view life insurance as a pro- tection for the family or for the estate, it is a thing that, once entered upon, in most cases ought to be continued to the end first contem- plated. The interests it protects are so precious, and the fact that present appearances and prospects are always liable to deceive, make continuous insurance the only safe course. Men who die in the prime of life usually die of diseases or accidents which come suddenly and without warning ; and the uncertainty of riches is pro- verbial. Who has not seen the strong man cut down in his strength, and fortunes vanish in a day? What has been shall be again, to the end of time. ~\ M ANY a sweetly formed mouth has been IV 1 disfigured and made hideous by the fiery tongue within it. •V \ M. dear ! " exclaimed a young lady enter- \J ing a public hall the other evening, " what a dreadful odor of carbureted hydrogen ! " Mum ? " said the janitor, with a puzzled coun- tenance. " The smell of the carbureted hydro- gen," she explained. " That's i o S u. FUL PORTIONS OF THE UNITED STATES, the Dominion of Canada. Wisconsin, Iowa and Oregon. jersey, pennsylvania, Ohio, Indiana and Illinois. Kentucky, MISSOURI and California. C.kKAT RR1TAIN AND > < % > < Ireland, France and BELGIUM. Sun Sun Moon 1 H. W. Sun Sun Moon H. W. Sun Sun Moon Moon a Q c Rises Sets. Rises Boston Rises Sets. Rises N. Y. Rises Sets Rises South. The month of June, H. M. H.M. H. M. H. M. H. M. H.M. H. M. H.M. H. M. H.M. H. M. H. M. 152 1 Thur 1881, is memorable 4 25 7 3° rises 11 6 4 3i 7 24 rises 7 50 43 « 7 19 rises morn 153 2 Fri on account of its 4 25 7 3° 8 13 11 54 4 30 7 25 8 9 8 37 4 36 7 i9 8 4 18 154 3 Sat disastrous storms, 4 25 7 3i 9 16 ev 41 4 30 7 26 91 l 9 27 4 36 7 20 9 7 ii5 155 4 involving- destruc- 4 24 7 32 10 1 31 4 30 7 26 9 56 IO 16 4 35 7 21 9 53 213 156 5 Mon tion of property; 4 24 7 32 10 39 1 2 20 1 4 29 7 27 10 36 " 3 4 35 7 21 10 33 3 9 157 6 Tues the month of June, 4 24 7 33 11 11 3 10 4 29 7 28 11 10 11 55 4 35 7 22 11 8 4 3 158 7 Wed 1880, was charac- 4 23 7 33 11 36 4 1 4 29 7 28 11 36 ev48 4 34 7 23 " 37 4 55 J 59 8 Thur terized by fiery 4 23 7 34 morn 4 57 4 29 7 29 morn 1 44 4 34 7 23 morn 5 46 160 9 Fri heat, and repeated 4 23 7 35 16 5 56 4 28 7 3° 16 2 42 4 34 7 24 17 6 37 161 10 Sat disasters on land 4 23 7 36 49 7 1 21 8 4 28 7 3° 49 3 45 | 4 34 7 24 50 7 28 162 11 and water, involv- ing" the loss of many 4 22 7 36 4 28 7 3i 1 24 4 45 4 34 7 25 1 27 8 20 163 12 Mon 4 22 7 37 1 59 9 1 | 4 28 7 31 2 2 546 4 34 7 « 2 6 913 164 13 Tues lives. The loss of 4 22 7 37 2 42 1 9 56 4 28 7 32 2 46 6 42 4 34 7 20 2 51 10 8 165 14 Wed property is un- 4 22 7 38 3 29 , 10 50 4 28 7 3 2 3 34 7 34 4 34 7 26 3 39 " 3 166 15 Thur pleasant, the loss of 4 22 7 38 4 21; 11 35 4 28 7 32 4 26 817 4 34 7 26 4 3i 11 57 167 16 Fri friends is painful, 4 22 7 38 sets morn 4 28 7 33 sets 9 6 1 4 34 7 27 sets ev 50 168 *7 Sat the loss of both at 4 22 7 39 9 20 4 28 7 33 8 56 9 49 4 34 7 27 852 1 41 169 18 Mon the same time is 4 22 7 39 9 35 1 3 4 28 7 33 9 32 10 29 4 34 7 28 9 28 2 29 170 x 9 often distressing in 4 22 7 39 10 6 1 45 4 28 7 34 10 4 11 8 4 34 7 28 10 1 3 H 171 20 Tues the extreme. It 4 23 7 40 10 33 2 25 4 29 7 34 10 32 11 49 4 34 7 28 1 10 30 7 28 10 58 3 57 172 21 Wed should be provided 4 23 7 4° io 59 3 4 4 29 7 34 10 58 morn 4 34 4 39 173 22 Thur against by life in- surance. Insurance 4 23 7 40 " 25 1 345 4 29 7 34 11 26 3 1 4 35 7 28 11 26 521 *74 23 Fri 4 23 7 40 11 49 4 29 4 29 7 34 " 5i 1 16 4 35 7 29 11 52 6 2 175 24 Sat cannot save life, but 4 23 7 40 morn ; 5 15 4 29 7 35 morn 2 1 4 35 7 29 morn 6 45 176 25 it will save what 4 24 7 4i 171 6 7 4 3° 7 35 J 9 2 53 4 3 l 7 29 22 7 3i 177 26 Mon remains of the 4 24 7 4i 5o, 7 3 4 30 7 35 53 3 48 |4 3j 7 29 56 819 178 =7 Tues broken home, and 4 24 7 41 1 24 7 59 4 3° 7 35 1 28 4 45 4 36 7 29 1 32 9 10 179 28 Wed will prevent death 4 25 7 40 2 5 858 4 29 7 35 2 10 5 43 4 37 7 29 2 15 10 5 180 29 Thur from bringing finan- 4 25 7 40 2 56, 9 54 4 29 7 35 3 6 40 4 37 7 29 3 5 11 2 181 30 Fri cial ruin upon all. 4 26 7 40 3 5411049 4 29 7 35 3 58 7 33 1 4 37 7 29 4 3 12 Moon's Phase s. Boston. NEW-YORK. Washington. CHARLESTON. SUN AT | NOON MARK. D. H. M. H. M. H. M. H. M. D. H. M. S. Full Moon, 3 49 Evening. 3 37 Evening. 3 25 Evening. 3 13 Evening. I 11 57 34 Last Quarter, 8 26 Evening. 14 Evening. 2 Evening. 11 50 Morning. 9 11 58 58 New Moon, 15 1 49 Evening. 1 37 Evening. 1 25 Evening. 1 1 3 Evening. 12 O 38 First Quarter, 23 1 17 Evening. 1 5 Evening. 53 Evening. 4 / Evening. 1 25 12 2 22 it; THE NEW-YORK ALMANAC. As the man of pleasure, by a vain attempt to be more happy than any man can be, is often more miserable than most men are, so the skeptic, in a vain attempt to be wise beyond what is permitted to man, plunges into a dark- ness more deplorable and a blindness more incurable than that of the common herd, whom he despises and would fain instruct. For, the more precious the gift the more pernicious ever will be the abuse of it, as the most powerful medicines are the most dangerous if misapplied, and no error is so remediless as that which arises, not from the exclusion of wisdom, but from its perversion. Silence is generally safe, and generally pru- dent, but there are times when it is dis- graceful to be silent. IF experience teaches anything concerning the duty of a man who has insured his life, it is keep up your policy. Not only is it true that you might not be able to get another one should you drop the one you have, but continuous insurance is always cheaper and safer than inter- mittent insurance. You cannot reap the full benefit of your contract except by completing it. The premium rates are graded according to the age at the time of insuring, being lower for younger men. Therefore, the man who has a policy and gives it up, expecting to insure again, must run two risks and submit to one certain loss, viz. : the risk of dying before applying for new insurance, and the risk of being rejected when he does apply, and the certainty of having to pay higher premium rates. Better live with insurance tlum die ivithout it I Seventh Month JULY, L882 Thirty-one Days. X bj H M £ Year. Mont ki b > >• >• 1 < < Q i O 182 1 Sat 183 2 184 3 Mon 185 4 Tues 186 5 Wed 187 188 6 Thur 7 Fri 189 8 Sat 190 9 191 10 Mon 192 11 Tues J 93 12 Wed 194 13 Thur 196 14 Fri | 15 Sat 197 16 198 17 Mon 199 200 18 Tues *9 Wed 201 20 Thur 202 21 Fn 203 22 Sat 1 204 2 3 205 24 Mon 206 25 Tues 207 26 Wed 208 27 Thur 209 28 Fri 210 29 Sat j 211 30 212 3i Mon Life Insurance Phenomena for the most health- ful portions of the United states, 1 he Dominion of Canada, Great Britain and Ireland, France and Belgium. Calendar for Boston, New England n. Y. State. Michigan, Wisconsin, Iowa and Oregon. "Independence Day " comes in July this year. There is sure to be much powder burned, and, in all probabil- ity, some lives will be lost. One does not need to be a prophet to know that. Yet, probably no one goes to a celebration with the thought that that day will be his last. But death comes unexpectedly, not only to those who die from accident but to nearly every one, so that what- ever preparation is to be made for it must usually be made when it seems afar off. If you are going- to die insured you must insure while you are in good health. July 1st is a good day. Sun ■ Sun Moon H. W Rises Sets. Rises Boston 26 7 26 7 27 7 28 7 29 7 M. 11. M. 40 rises 40 8 36 40 9 14 4° 9 48 39, 10 19 39; 10 51 39 " 34 38 12 o 38 morn 38| 40 1 26 2 15 4 6 sets 8 6 8 35 9 2 9 27 9 54 30 I 10 20 30 10 51 29 1 11 22 28 11 59 27 j morn 26 44 25 137 24 2 38 23 3 46 22 rises 21 1 7 55 H. M. II 38 ev 26 1 1 5 = 5 2 51 3 4° 4 35 5 33 6 37 7 4i 844 9 4o 10 30 11 17 11 58 morn 35 1 13 1 52 2 28 3 6 3 47 4 33 5 26 6 24 7 26 831 9 3i 10 29 11 20 ev 10 Calendar for n. Y. City, Philadelph Connecticut, New Jersey, Pennsylvania Ohio, Indiana and Illinois. Sun Sun Moon H. W, Rises Sets. Rises N. Y. 44 7 44 I 7 45 7 46| 7 47 7 48,7 48|7 4917 5o|7 51 7 52 7 53 7 5417 5517 H. M. rises 8 33 9 12 9 47 10 19 10 53 " 37 morn 3 45 1 30 2 20 3 i4 4 11 sets 8 4 8 34 9 1 9 27 9 55 26 10 23 25 10 54 24 11 25 23 morn 3 49 1 41 2 42 3 5o rises 7 54 8 20 9 *3 10 1 ji°47 11 35 ev 26 1 22 219 3 23 4 26 5 29 6 26 ! 715 7 59 I 842 921 10 o 10 36 II 51 morn 33 1 20 2 12 3 10 4 12 5 16 6 18 7 i4 8 3 8 55 Sun Sun Moon Moon Rises j Sets. Rises South. Calendar for Washington, Mary- land, Virginia, Kentucky. Missouri and California. h.m Ih. M. I H. M. 7 29 rises morn 2 9j 8 30 58 29 9 10 1 1 55 28 9 46 1 2 50 28 10 19 j 3 43 28 1054 434 28 J 1 1 39 ; 5 26 27 morn 7 49 1 35 2 25 3 19 617 7 9 8 3 8 57 9 51 10 43 4 I5|n 34 sets ev 23 9 1 53 2 36 3 i/ 3 59 4 4i 5 24 6 10 8 32 9 1 9 2 7 9 56 21 ! IO 24 10 57 11 29 morn 6 59 8 I 751 54; 846 1 46 j 9 43 2 47 10 42 3 54 j 11 4° rises morn 7 52 1 37 Moon's Phases. D. Full Moon, 1 Last Quarter, 7 New Moon, 15 First Quarter, 23 Full Moon, 30 H. m. 1 24 Morning. 5 8 Evening. 2 17 Morning. 5 33 Morning. 9 18 Morning. New-York. 12 Morning. 56 Evening. 5 Morning. 21 Morning. 6 Mornine. Washington. h. m. 1 o Morning. 4 44 Evening. 1 53 Morning. 5 9 Morning. 8 54 Morning. Charleston. h. m. 48 Morning. 4 32 Evening. 1 41 Morning. 4 57 Morning. 8 42 Morning. 18 THE NEW -YORK ALMANAC WE arc accustomed to regard it as the ordi- nary course of nature that a man should live to the age of threescore years or more, yet not one-half of those born into the world do so. Of those who live to the age of ten, not quite one-half reach the age of sixty-five. Of those who live to be thirty, at which age we may sup- pose most have families dependent upon them, more than one-thirteenth die before they reach forty, and more than cue-SWT l\ before they reach fifty. That a man with a dependent family should be anxious to provide for them against so obvious a danger is not strange. Life insurance saves all that can be saved from the ruins of such broken homes, and prevents the death of one from blighting the future of all. Never try to read when it is laborious ; the memory will not retain a. " r pHE 1 I'A New-York I. mi. INSURANCE ( !OM- PANV has long been a prominent exemplar of what life insurance may be and do when properly conducted. It has passed unshaken through two wars and great financial crises, and is now larger, stronger, and better equipped in experience and facilities than ever before. Its assets have more than doubled during the past eight years. This vigor and vitality shows that age brings to this Company what it takes from men. It has grown solidly, from its original position as one of the pioneers, combining pro- gressiveness with caution, liberality with justice, equity with firmness, and the highest reputation with the corresponding character."* — Brooklyn Union -Argus, February /j, 1SS1. Josh Hillings has found one thing that money cannot buy, and that is the wag of a dog's tail. It is an honest expression of opinion on the part of the dog. Eighth Month. AUGUST, 1882 l'lurty-onf Jhiys. < NTH. j i Life insukanci Phenomena Cai.i-.ndar for Hos'Ion. New Enci.and calendar foe \. Y.Cl 1 V, PHILADBLPH. Calendar for WASHINGTON, Mak\ O lOR Till: MOST HEALTH- N.Y. Si A 1 Ml< "IIK.AN. Connecticut, New Jl-RSEY, I'ENNSYI.V AN 1 \. Ohio, Indiana and illinois. LAND, VIRGINIA, > s h PUL PORTIONS OF THE UNITED STATES. THE Dominion of CANADA, Wisconsin, Iowa and Oregon. Kentucky, MISSOURI and California. ? Great Brh a in and Ireland, < Sun Sun Moon H. W. Sun | Sun Moon H. W. Sun Sun Moon Moon 1 !_ FRANCE AND BELGIUM. Rises Sets. Rises Boston Rises | Sets. Rises N. Y. Rises Sets. Rises South. II. M. H.M. H. M. H. M a H. M. 1 H.M. H. M. H. M. H. M. H.M. H. M. H. M. 213 Tues August is a bad 4 52 7 20 8 20 ev 56 4 56 7 16 8 19 9 42 5 7 11 8 19 1 32 214 2 Wed month not to be in- 4 53 7 18 8 54 1 42 4 57 j 7 14 8 54 10 26 5 1 7 10 8 55 2 26 215 3 Thur sured in. Long- 1 4 54 7 17 9 27 2 31 4 58 J 7 13 9 29 II 14 5 2 7 1 9 3i 3 20 216 4 Fri continued heat 14 55 7 16 10 2 3 20 4 59 1 7 12 10 5 ev. 5 5 J 7 8 10 8 4 13 217 5 Sat brings about a con- 4 56 7 15 10 42 4 12 5 07 11 1045 1 5 4 7 7 10 49 5 6 218 6 dition of the atmos- 4 57 7 M 11 25 5 12 5 1 17 10 11 3c 1 58 5 5 7 6 11 34 5 59 219 7 Mon phere conducive to 4 58 7 12 morn 6 15 5279 morn 3 4 5 6 7 5 morn 6 53 220 8 Tues fevers, and diseases 4 59 7 11 13 7 22 5 3 7 7 18 4 7 5 6 7 4 23 7 47 221 9 Wed of the bowels. It is 5 7 10 6 825 5 4 7 6 1 10 5 10 5 7 7 2 1 15 840 222 70 Thur a long month, too — 5 1 7 8 1 9 19 5 5 7 5 2 5 6 5 5 8 7 1 2 10 9 3i 223 11 Fri longer than it used 5 2 7 7 7 6 9 10 8 5 67 4 3 i3 6 54 5 9 7 3 17 10 20 224 12 Sat to be — and " dog- 5 3 3 57 10 53 5 7 7 2 4 7 36 5 10 6 59 4 4 11 6 225 13 days" every one. 5 4 7 4 4 55 11 31 5 87 1 4 58 8 14 5 n o 58 5 1 11 51 226 M Mon Julius added a day 7 3 sets morn 5 9 7 sets 852 5 12 6 56 sets ev 34 227 15 Tues to it when he re- f 6 7 1 7 3i 7 5 10 6 58 7 3i 9 27 5 13 6 54 7 3i 1 15 228 16 Wed formed the calen- 5 7 7 7 58 4i 5 « 6 57 7 59 10 3 5 14 6 53 8 1 57 229 17 Thur dar, and Augustus 5 8 6 58 8 23 1 17 5 12 6 55 825 10 37 5 15 6 52 8 26 2 38 230 18 Fri gave it another for 5 10 6 57 8 52 153 5 13 6 54 8 54 11 15 5 16 6 51 8 57 3 21 231 19 Sat its name, robbing 5 " 6 55 9 22 232 5 14 6 53 9 26 11 57 5 17 6 50 9 29 4 5 232 20 is poor February in 5 12 6 54 9 57 3 12 5 15 6 51 10 1 morn 5 17 6 48 10 5 4 52 233 21 Mon order to do it. The 5 13 6 52 10 38 3 58 5 16 6 50 10 42 44 5 18 6 47 10 47 5 4i 234 22 Tues only advantage to 5 14 6 51 11 26 4 52 5 17 6 48 11 31 1 39 5 19 6 45 11 36 6 34 235 23 Wed us is that there are 5 i5 6 49 morn 5 53 5 17 6 47 morn 2 39 5 20 6 44 morn 728 236 24 Thur more days in Au- 5 16 6 48 20 7 5 18 6 45 25 3 45 5 21 643 30 825 237 25 Fri gust in which we 5 t-1 6 46 1 24 8 8 5 19 6 44 1 28 4 52 5 22 6 41 1 33 922 238 26 Sat may insure our 5 18 6 44 2 34 9 10 5 20 6 42 2 37 5 55 5 23 6 40 2 41 10 19 239 27 lives. But there are 5 19 '6 43 3 47 10 7 5 21 6 41 3 50 6 53 5 24 6 38 3 53 11 16 240 28 Mon more in which to 5 20 6 41 rises 11 1 5 22 6 39 rises 7 44 5 25 6 37 rises morn 241 29 Tues die, also. Therefore 5 21 6 39 651 11 48 5 231 6 37 651 831 5 26 6 35 651 12 r> 4 ? 30 Wed insure, and fear not. 5 22 6 38 7 25 ev35 5 24 6 36 7 26 9 21 5 26 6 34 7 28 * 7 243 3i Thur 5 23 b 36 8 1 22 5 25 6 34 8 4 10 8 5 27 6 32 8 6 2 2 Moon's Phases. HOSTON. New-York. Washington. Charleston. SUN AT NOON MARK. D. H. M. H. M. H. M. H. M. D. H. m. s. Last Quarter, 5 11 29 Evening. 11 17 Evening. 11 5 Evening. 10 53 Evening. 12 6 4 New Moon, 13 4 26 Evening. 4 14 Evening. 4 2 Evening. 3 50 Evening. 9 5 15 First Quarter, 1 21 8 11 Evening. 7 59 Evening. 7 47 Evening. 7 35 Evening. 1 l 7 12 3 5o Full Moon, 28 4 35 Evening. 4 23 Evening. 4 11 Evening. 3 59 Evening. 1 25 12 1 " 20 THE NEW -YORK ALMANAC BE true to yourself for that which you recog- nize as right ; be ready, not merely to die for it, for that is easy ; but to live for it, and that is almost always difficult. ^TMHS i.-> the way the Insurance Age puts it : 1 " The meanest of all men is he who makes a pretense of loving a woman ; deprives her of all other chances in the world by appropriating her to himself; sees her youth and beauty expand in his service ; sees her become the mother of his children, and refuses to secure her, by life insurance, the provision she might have saved from the wages of a hired servant ! ' ' Pretty strong, isn't it ? — especially the latter part. But it is only strong in proportion as it is true, and it will not hurt any one to whom it does not apply. If any one feels in danger, the New- York LlFB will sell him a complete suit of armor warranted proof against all such gibes and taunts. PCENK. — The river's bank. Spectator con- O cealed behind tree, watching angler: "I've been watching that fellow fishing for the last four hours, and he hasn't had even a bite in that period. He must have the patience of Job ! " Littlk Pearl sat thoughtfully regarding a long row of dolls before her, her tiny head har- assed by all the care of a large and varied family. " Mamma," she said at last, " 1 can t ever be really married ; it is so much trouble to take care of children. I don't know what I should do if it weren't that I'm going to marry off my eldest doll to my toy elephant." — Boston Courier. Ninth Mouth. SEPTEM BER, 1 882 Thirty Days. 244 2 45 -4 6 2 47 248 249 850 251 252 -53 -54 255 256 -57 258 I 2 I 9 260 201 262 263 264 265 I 266 267 268 ! 269 270 271 I 272 ?73 Fri Sat & Mon Tues Wed Thur I Fri Sat Mon Tues Wed Thur Fri Sat a Mon Tues Wed Thur Fri Sat Mon Tues Wed Thur Fri Sat LIFE INSURANCE Phenomena FOR THE MOST HEALTH- FUL PORTIONS OF THE UNITED STATES. THE Dominion of Canada, Great Britain and I R EL AND, France and BELGIUM. In September the waning- heat of summer and the advancing- cold of winter meet, and, for a season, frater- nize. Night and day become of equal duration. It is a good time to live— a time of the golden mean in tempera- ture and light and labor and expecta- tion. Not all we hoped in spring has been realized, not all we feared has come to pass. So life insurance equalizes the com- forts of early and later days. It takes away money now that it may save from poverty in days to come. We have a little less now that our fami- lies may have much more when we die. CALENDAR FOR v . CALENDAR FOE BOSTON, NEW ENGLAND N • > • <- IT V, I'm I.ADKIT'H. N Y SiATF MiniK AN CONNECTICUT, NEW , Wisconsin Iow\ ' JERSEY. PENNSYLVANIA. and Oregon. Ohio, Indiana and Illinois. Calendar for Washington, Mary- land, Virginia, Kentucky, Missouri and California. Sun Sun Moon H. W. Sun Sun Moon Rises Sets. Rises Boston Kises Sets. I Rises H. M. H.M. H. M. H. M . H. M. H.M. H. M. 5 24 6 5 2616 5 27 6 5 28 6 5 29 [6 5 30 6 5 3i 6 5 32 6 5 33 6 5 34 6 5 35 6 5 36 6 5 37 6 5 38 6 5 39 6 5 40 6 5 4i 6 5 43 6 5 44 6 5 45 6 5 46 6 5 47 5 5 48 5 5 49 5 5 50 '5 5 5i i5 5 52 5 5 53 5 5 54 5 IS 8 40 9 34 35 331 3 1 10 1 1 28 11 57 26 morn 54 1 52 2 50 3 46 4 46 5 42 sets 656. 7 24 7 58 8 37 9 22 10 11 11 10 morn 14 1 24 2 35 , 3 49' 5 6 rises . 633! 4 2 10 3 o 3 54 4 53 5 55 7 o 7 57 851 9 38 10 20 11 o " 34 morn 10 46 1 24 2 4 2 47 3 33 4 27 5 29 6 36 7 42 846 9 43 10 36 11 24 ev 10 26 6 33 27 6 31 28 6 29 29 6 28 30 6 26 31 6 25 32 6 23 5 33 6 21 5 34 6 20 5 35 6 18 5 36 6 16 5 37 6 15 5 33 6 13 5 39 6 11 5 40 6 9 5 41 6 8 H.W. Sun Sun Moon N.Y.j Rises! Sets Rises 8 43 9 38 10 15 11 7 morn 2 58 1 55 2 S2i 3 48 4 47 5 42 1 sets 6 58 H. M. H. M. H.M. H. M. 10 52 5 28 11 44 5 29 ev4o 5 30 Mo 5 3i 2 41 5 32 3 45 5 33 Moon South. 51 5 43 5 49 5 50 5 5i 5 52; 5 53' 5 54; 54 4 42 5 36 6 24 7 6 7 43 8 16 8 55 9 32 7 27 10 10 8 2 1046 8 41 11 29 9 25; morn to 16 11 16! morn 18 1 27 2 37 3 5o 5. 6 rises 6 36 19 1 14 2 15 3 22 4 27 5 3i 6 29 7 21 8 7 3 56 7 20 1 9 47 " 9 1 10 35 5 34 5 35 5 35 5 36 5 37 ?8 39 40 41 42 43 44 44 45 46 4; 43 49 50 5i 52 53 54 55 6 31 8 47 6 29 9 42 6 28 10 20 6 26 11 12 6 25 morn 623 7 62; 12 6 21 6 20 6 18 6 17 6 15 6 14 6 12 6 10 6 9 6 7 6 6 6 4 6 2 6 1 \% 5 56 5 54 5 53 5 5i 5 5o 5 48 5 46 1 59 2 55 2 57 3 52 4 48 , 5 42 6 36 728 8 17 9 4 9 49 3 50 10 32 4 48 11 15 5 42 in 56 sets ev 38 ! 70 1 20 7 3°' 2 4 8 5 249 846 3 37 9 3i 10 21 11 19 1 30 2 391 3 5i 5. 6 rises morn 4 27 6 13 7 8 8 4 8 59 9 54 to 49 [i 44 6 39 7 24! 813! 40 1 37 Moon's Phases. BOSTON. Mew-York. Washington. Charleston. sun at noon mark. D. H. M. H. M. H. M. H. M. D. H. M. S. Last Quarter, 4 8 43 Morning. 8 31 Morning. 8 19 Morning. 8 7 Morning. 1 II 59 48 New Moon, 12 S 15 Morning. 8 3 Morning. 7 31 Morning. 7 39 Morning. 9 11 57 9 First Quarter, 20 8 44 Morning. 8 32 Morning. 8 20 Morning. 8 8 Morning. 11 54 22 Full Moon, 27 26 Morning. 14 Morning. 2 Morning. 11 50 Eve. 2cth. 25 11 5i 34 28 THE NEW-YORK ALMANAC. What commends life insurance to thoughtful men is that it is an additional and needed safeguard to that for which they are gladh spending the best of their lives. Take uu.n the wives and children of such men, and what is there to live for? Blight or cloud their future, and what can compensate for it ? Life insurance makes more certain the benefits which such men desire their loved ones to enjoy, and they pay for this security cheerfully, just as they pay for the present care, sustenance, education, etc., of their families. They do not wish to run any risk of a lack of these things in time to come. TVTKVKK insult another by harsh words when 1\| applied to for a favor. Kind words do not cost much, and yet they may carry untold happi- ness to one to whom they are spoken. IT is a sign of wisdom to be willing to receive instruction ; the most intelligent sometimes stand in need of it. i^KLF-EASK is pain ; thy only rest O Is labor for a worthy end, A toil that gains with what it yields, And scatters to its own increase, And hears, while sowing outward fields, The harvest song of inward peace. — Whit tier. A DROLL fellow fished a rich old gentleman out of a mill-pond, and refused the offer of twenty-five cents from the rescued miser. " Oh, that's too much ! " exclaimed he ; " taint worth it ! " and he handed back twenty-one cents, saying calmly, as he pocketed four cents, •' That's about right." Tenth Mouth. OCTOBER, 1882. / // irty-one Days . X h < Z UJ O >■ u. u. o > > < < Q Q 274 2 276 3 277 4 2 7 8 5 279 6 280 7 281 8 282 9 283 10 284 11 285 12 286 13 287 14 288 15 289 16 290 17 291 18 292 r 9 293 20 294 21 295 22 296 2 3 297 24 298 25 299 2? 300 27 301 28 302 29 303 30 304 31 Life Insurance Phenomena for the most health- ful for hons of the United States, 1 hi Dominion of Canada, Great Britain and Ireland, France and Belgium. Calendar for Boston, New Knglani n. v. State, Michigan, Wisconsin, Iowa and Orecon. Sun Sun Moon H. \V Rises Sets. Rises Boston Mon Tues 1 Wed Thur Fri Sat Mon 'lues Wed Thur Fri Sat i Mon Tues Wed Thur Fri Sat Mon Tues Wed Thur Fri Sat Mon Tues In October comes "Indian summer," with its soft haze and rich fruitage, when the ingather- ing- for the year is completed and we get ready for Thanksgiving. When the garner and the heart are full is the time to insure your life. The most precious of all your blessings is your family. Make sure, WHILE YOU CAN, that they shall ever have abundance — that they may ever have cause for thanksgiving. There is no other way by which you can do this so easily and so effectually as by life insurance. H. M. H .5 57 1 5 5 58 5 '5 59 1 5 6 0:5 6 IS ' •' 2 5 3 I 5 6 4 j 5 16 6:5 7 5 8 5 95 10 5 " 5 13 5 14 5 15 5 6 16 5 6 17 5 6 18 5 6 20 5 6 21 5 6 22 5 6 23 5 6 24,5 6 26 5 6 27 5 6 28 4 6 29 4 6 31 4 6 32 4 H. M. 8 55 9 5 o 10 48 11 45 mom 43 1 44 2 39 3 35 4 33 5 3i sets 6 2 638 7 19 8 9 9 3 14 10 5 12 11 9 11 morn 9 17 8 1 28 2 40 3 54 5 8 rises 5 5i 6 42 7 37 8 36 9 36 H. It. 2 42 3 34 4 50 5 29 6 26 7 22 8 15 9 1 9 44 10 2 1 11 4 11 40 morn 17 59 1 40 2 27 3 *5 4 8 5 8 6 10 716 8i 7 9 ID 10 IO 11 4 II 52 ev4 7 1 3i 2 24 Calendar FOB n. v. City, Philadelph Connecticut, New Jersey, Pennsylvania ( m i io, indiana and Illinois. Sun Sun H. M. 5 5 43 5 57 5 4i 58 59 o 5 5 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 21 6 22 6 23 6 24 6 26 6 27 5 22 5 20 Moon H. W. Rises N. Y. H M. H. M. 9 II 24 9 55 ev 20 10 54 1 17 11 49 2 15 morn 3 12 46 4 7 146 4 58 2 40 5 46 3 36 6 28 4 32 7 10 5 29 7 47 sets 8 22 6 5 9 3 6 43 9 45 7 24 10 24 8 14 11 18 9 8 morn morn 20 1 30 2 41 3 53 5 6 rises 55 1 54 2 56 4 I 5 1 6 2 6 56 7 47 6 28 4 59 6 29 4 58 5 55 j 8 35 647 9 27 7 42 10 16 8 41 11 4 9 40 1 1 1 56 Calendar for Washington, Mary- land, Virginia, Kentucky, Missouri AND CALIEORNIA. Sun Sun Moon Moon Rises Sets. Rises South. H. M. H.M. h. m. H. m. s 55 5 43! 9 5 3 32 5 5& 5 42 10 4 2 5 57 5 40 10 56 5 22 5 58 5 39 11 53 613 5 59 5 37 morn 7 1 6 5 35 ? 47 6 5 34 .9 831 6 2 5 32 2 41 9 »3 6 3 5 3i 3 36 9 55 6 4 5 29 4 32 10 36 6 5 5 28 528 11 19 6 6 5 26 sets ev. 2 6 7 5 25 \ 9 47 6 8 5 '-'3 6 47 1 35 6 9 5 22 7 29 2 2 4 5 10 5 21 8 19 316 6 11 5 19 9 »3 4 8 6 12 5 18 10 14 5 2 6 13 5 16 11 16 5 55 6 14 5 IS morn 648 6 1 5 5 14 22 7 4i 6 ib 5 J 3 1 3i 8 34 6 [8 5 1 1 241 9 28 6 19 5 10 3 52 10 22 6 23 5 9 5 4 11 16 6 21 S rises morn 6 22 5 6 5 59 16 6 23 5 5 6 52 1 15 C 24 5 4 7 47 2 13 6 25 5 2 8 45 3 10 6 26 D 9 44 4 4 Moon's Phases. BOSTON. NEW-YORK. Washington. Charleston. sun at . noon mark. D. H. M. H. M. H. M. H. M. d. H. M. S. Last Quarter, 3 9 33 Evening. 9 21 Evening. 9 9 Evening. 8 57 Evening. 1 11 49 35 New Moon, 12 1 17 Morning. 1 5 Morning. 53 Morning. 41 Morning. 9 11 47 14 First Quarter, 19 7 11 Evening. 6 59 Evening. 6 47 Evening. 6 35 Evening. 11 45 22 Full Moon, 26 9 50 Morning. 9 38 Morning. 9 26 Morning. 9 14 Morning. 25 11 44 9 23 A Young Apollo. 24 THE NEW YORK ALMANAC SOME set out, like Crusaders of old, with a glorious equipment of hope and enthusiasm, and get broken by the way, wanting patience with each other and the world. — George Eliot. ONK has only to look about among his acquaintances, who have reached the agi- of sixty years, to see instances not only where endowments would be very acceptable, but also where they are sorely needed. The supposition, sometimes made as to the possible fate of young men, is here seen as a fact. Here are men who were once rich and have come to poverty, or pretty near it, in their old age. They did fail in busi- ness, after years of success. There were reasons for it — plenty as blackberries— all their friends have heard them ; but what do they avail in the face of the fact ? These men might have placed themselves and their families beyond the reach of commercial disaster by the investment of a moderate sum annually, while prosperous, in endowment insurance. They see their mistake now, and we may be sure the knowledge of w hat might have been does not lighten their burdens. X JKVKK choose a friend thai you feel you have i\ lowered your standard of purity and right one single inch to gain. If y ou cannot step up in your friendships, you need not step down. Rai^e your standard and stand by it. CHICKEN soup tan be made, it is said, by hanging up a hen in the sun so that her shadow will fall into the pot of salt and water. The only trouble is that, on a cloudy day, the soup is liable to be weak. Eleventh Month NOVEMBER, L882. J'lurty Days. 2 X < ONT BBK 2 L. o < 1 2 l 3°5 I Wed 306 2 Thur 307 3 Fri 306' 4 Sat 309 5 310 6 Mun 3" Tues 3" 8 Wed 313 9 Thur 3M 10 Fri 3*5 11 Sat 3i6 12 317 13 Mon 318 14 Tues 319 15 Wed 320 16 Thur 321 17 Fri 322 18 Sat 323 J 9 Mon 324 20 325 21 Tues 326 22 Wed 327 23 Thur 328 24 Fri 329 25 Sat 33o 26 33i 27 Mon 332 28 Tues 333 29 Wed 334 30 Thur lick insurance Phenomena 1-or the most health- ful portions of the United states, 1 hi Dominion oh Canada. Great Britain and IRELAND, Prance and Belgium. Calendar for Calendar eor Calendar For Boston". New England N ' >- v ;^- J. f T' , , . > ", 1 ' . A ' i^J!r ,M 1 * Washington, mam N. Y. STATE. MICHIGAN, t £SSH M SSS!Si CF?, > '-and. Virginia. Wisconsin, Iowa J , , ■ ' , , J *.' A ' Kentucky, MISSOURI and Oregon. I ohio. I n d i ana and and California. "During- the long- years of trouble which, followed November, 1873, the New- York Life Insurance Com- pany served as a bulwark for re- straining popular distrust of life in- surance from going too far. Its posi- tion served to point the needed moral that life-insurance principles are no more proved un- sound by the fail- ures which bad practice had pro- duced than the rules of numbers are affected because calculations which are based on wrong additions come to naught."— -V. Y. Sun- day Mercury, Feb. 13, 'Si. Sun Sun Moon H. W. Sun Sun Moon H. W. Sun Sun Moon Moon Rises Sets. Rises Boston Rises Sets. Rises N.Y. Rises Sets Rise* South. \i. 11 M. H. M. H. M. M. MM. H. M. H M . H. M. 11. M. H. M. H M . 6 33 4 54 IO 35 4 1 6 30 4 57 10 38 ev 48 6 27 10 41 4 55 3* 4 53 " 43 4 53 6 31 4 56 11 45 1 40 6 28 4 59 II 48 5 42 6 36 4 5i morn 5 46 6 32 4 54 morn 2 32 6 29 4 58 mom 6 27 6 37 4 SO 3i 6 38 6 34 4 53 3 o 3 24 6 31 4 5 l 34 7 10 6 3S 4 49 1 28 7 29 6 35 4 52 1 28 4M 6 32 4 56 1 29 7 52 39 4 48 2 24 8 17 6 36 4 5i 2 24 5 1 6 33 4 55 2 24 «34 6 41 4 47 3 23 9 4 6 37 4 5o 3 21 5 49 6 34 4 54 3 20 9 16 6 42 4 45 4 20 9 48 6 ,'3 4 49 418 6 34 6 35 4 53 4 16 9 59 6 43 4 44 5 20 '031 6 40 4 48 5 17 716 6 36 4 5' I 14 10 44 6 44 4 43 619 11 14 6 41 4 47 616 7 56 6 37 4 5i 12 11 31 6 46 4 42 sets 11 56 6 4^ 4 46 sets 8 39 6 38 4 5o sets ev 20 6 47 4 4i 6 5 morn 6 43 4 45 6 10 9 24 | 6 39 4 49 6 15 1 12 6 43 4 40 7 38 6 44 4 44 7 4 10 11 6 40 4 48 2 5 6 49 4 39 7 58 1 25 6 46 4 43 8 2 1Q ,53 6 41 4 47 ?? 2 58 6 51 4 39 9 2 2 11 6 47 4 42 9 6 11 44 ,6 4 3 4 47 9 10 3 52 6 52 4 38 10 8 3 6 43 4 4i 10 11 morn 6 44 4 46 10 14 4 44 53 I 37 11 16 3 5o 6 « 4 4° 11 18 36 6 45 4 45 11 20 5 36 6 54 4 36 morn 4 45 6 50 4 39 morn 1 32 6 46 4 44 morn 6 27 56 4 35 13 ; 40 6 5' 4 39 14 2 32 6 47 4 44 14 718 6 5 7 4 34 1 36 646 6 53 4 38 1 35 3 32 6 48 4 43 1 35 8 10 6 5^ 4 34 2 47 7 5o 1 6 54 4 38 246 4 35 6 49 4 43 2 44 9 4 6 59 4 33 3 58 851 6 55 4 37 3 56 5 36 6 50 4 42 3 53 9 59 7 4 3= 5 9 9 48 6 56 4 36 5 6 634 6 51 4 42 5 3 1057 7 2 4 32 6 18 10 44 6 5 7 4 36 613 7 28 6 52 4 4i 6 9 " 55 7 4 3i rises " 33 6 58 4 35 rises 8 15 6 53 4 40 rises morn 7 4 4 31 619 ev 2i 6 59 4 35 6 24 9 8 6 55 4 40 6 29 53 5 4 30 7 19 1 12 7 4 35 7 23 9 52 6 56 4 40 7 27 1 50 \ 6 4 30 8 19 1 53 7 2 4 34 823 10 40 6 57 4 40 8 26 2 43 7 7 4 30 9 20 2 43 7 4 34 9 23 11 25 6 58 4 39 9 26 3 33 8 4 20 10 19 3 28 7 I 4 34 10 21 ev 13 6 59 4 39 10 23 4 21 Moon's Phases. Last Quarter, New Moon, First Quarter, Full Moon. H. M. 2 14 Evening. 6 35 Evening. 3 58 Morning. 9 19 Evening. New-York. 2 2 Evening. 6 23 Evening. 3 46 Morning. 9 7 Evening. Washington. h. M. 1 50 Evening. 6 11 Evening. 3 34 Morning. 8 55 Evening. Charleston. h. M. 1 30 Evening. 5 59 Evening. 3 22 Morning. 8 43 Evening. H. M. S. 11 43 4i it 43 59 7 I "45 " '5 I 11 47 i5 THE NEW -YORK ALMANAC. 25 26 THE NEW-YORK ALMANAC. Rev. George H. Hep worth says of his first life policy; "The document, 1 thought, somewhat resembled a tombstone, as it rested against the books on my library-table, and being near-sighted, its inscription seemed to be, ' In memory of the late George H. Hepworth,' while the smaller type at the bottom looked like a short reference to the virtues of the deceased.' ' Let us carry out the simile, ami ask ourselves, in all seriousness, whether, seeing we must die, we ivould prefer, 7ohen we are finally gathered to our fathers, to have for a tombstone A CANCELED LIFE POLICY, OR ONE KEPI IN FORCE UNTIL OUR WORK WAS DONE, AND THEN PAID IN FULL FOR THE BENEFIT OF OUK FAMILIES! He who cannot command his thoughts must not hope to command his actions. WE cannot skip the seasons of our education. We cannot hasten the ripeness and the sweetness of a single day, nor dispense with one night's nipping frost, nor one week s blighting east \vind.—/\ W. Robertson. The expectation of future happiness is the best relief for anxious thoughts, the most perfect cure of melancholy, the guide of life and the comfort of death. Old Tom Purdie, Sir Walter Scott's favorite attendant, once said: "Them are tine novels of yours, Sir Walter ; they are just inval- uable to me." " I am glad to hear it, Tom." "Yes, sir; for when I have been out all day hard at work, and come home very tired, and take up one of your novels, I'm asleep directly. " Twelfth Month DECEMBEE, L882. r/tirty-one I hiys . X u < Z w M 1 >« 2 v lb u. to O c > > > < < < Q c 335 Fri 336 2 Sat 337 3 a 33« 4 Mon 339 5 Tues 340 6 Wed 34i 7 Thur 342 8 Fri 343 9 Sat , 344 10 .S 315 11 Mon 346 12 Tues 347 x 3 Wed 348 14 Thur 349 15 Fri 35° 16 Sat 35i !7 «j 352 18 Mon 353 19 Tues 354 20 Wed 355 21 Thur 356 22 Fri 357 23 Sat 358 24 Mon 359 25 360 26 Tues 361 2 7 Wed 362 28 Thur 363 29 Fri 3^4 30 Sat 365 3i lifh insurance Phenomena TOR THE MOST HEALTH- FUL PORTIONS OP the United States, THE Dominion OF CANADA, GRBAT Britain and Ireland, f&amcb and Belgium. During: the year ending- Dec. 31, '80, the New- York Life Insurance Compa- ny paid 542 death- claims on the lives of 480 persons. The whole amount paid was $1,731,- 721.37, an averagre of over $3600 to each family. The premiums paid on these policies, less the dividends re- turned by the Com- pany, amounted to $692,383.89, an averagre of less than $1500 to each family. The g-ain to the families of the deceased was, therefore, $1,039,337.48, an average of over $2100 each. For each $100 paid to the Company, they received $250.11. Calendar for N Calendar for Calendar vom Boston, n .W liNGLAND y.Crrv, Philadblph. Washington, marv. N.Y. Slate. Michigan. LONN •.< 1 icu 1 , .\ EW LAND. Vlkl'.INIA Wisconsin, Iowa p K-1 V, PENNSYLVANIA. Kentucky. Missouri and Oregon. indiana and llinois. and California. Sun Sun Moon a. w. Sun Sun Moon H. W. Sun Sun Moon Moon Rises Sets. Rises Boston Rises Sets. Rises N.Y. Rises Sets. Rises South. H. m. H M. H. M. H. M . H. M. H . M . H M. H. M. H. M. H.M. H. M. H. M. 7 10 4 29 11 17 4 " 7 5 4 34 II 18 ev 5 8 7 4 39 II 19 5 5 7 4 29 morn 4 59 7 6 4 33 morn i 4 6 7 4 39 morn 5 48 7 12 4 28 15 5 49 7 7|4 33 2 35 7 2 4 38 16 6 30 7 13 4 28 1 11 6 39 7 3 4 33 1 10 3 25 7 2 4 38 1 10 7 " 28 2 10 7 32 7 9 32 2 8 4 17 7 3 4 38 2 7 7 54 15 i 28 3 8 8 22 7 10 3- 3 5 5 8 7 4 4 38 3 3 8 38 7 16 4 28 4 5 9 12 7 11 i 32 4 4 5 58 7 5 4 38 4 38 4 9 24 7 17 4 2 3 5 7 10 7 12 32 5 3 6 46 7 6 4 59 10 12 7 *7 4 2 3 6 7 10 51 7 13 32 6 2 7 35 7 7 4 38 5 58 11 4 7 18 4 28 7 4 " 35 7 14 4 32 6 59 817 7 8 4 38 6 54 11 57 7 J 9 4 28 sets morn 7 l 5 4 3- sets 9 7 7 9 4 38 sets ev 52 20 4 28 654 21 7 '5 4 32 658 9 55 7 9-4 39 7 2 1 47 7 21 4 28 1 9 7 16 4 33 8 2 10 37 7 10 4 39 8 5 2 40 7 22 28 '1 1 55 7 16 4 33 9 10 11 25 7 1 1 4 39 9 >3 3 33 7 22 1 29 10 18 2 43 7 17 4 33 10 20 morn 7 12 4 39 10 21 4 25 7 23 4 29 11 27 3 31 7 18 4 33 11 27 17 7 12 4 40 11 27 5 15 7 24 4 29 morn 4 25 7 18 4 33 morn 1 10 7 13 4 40 morn 6 6 7 24 4 29 37 5 19 7 «9 4 34 36 2 5 7 14 4 40 35 658 7 25 4 30 1 46 6 23 7 20 4 34 144 3 9 7 14 4 4i I 4 2 7 5i 7 26 30 2 55 7 26 7 20 4 35 2 52 4 11 7 x 5 4 Ii 2 49 8 45 7 26 ! 31 3 54 8 30 7 21 4 35 3 5o 5 15 7 15 4 42 3 46 9 4i 7 26 31 5 9 9 3o 7 21 4 36 5 4 6 16 7 16 4 42 5 10 39 7 27 32 6 12 10 26 7 22 4 37 6 7 7 11 7 16 4 43 6 2 11 35 7 27 ! 32 rises 11 18 7 22 4 37 rises 8 7 17 4 43 rises morn I 28 33 6 4 ev. 3 7 23 4 38 6 7 8 48 7 17 4 44 6 11 30 28 4 33 7 5 47 7 23 4 39 7 8 9 34 7 17 4 44 7 11 1 22 23 34 8 5 1 3° 7 23 4 39 8 8 10 15 7 18 4 45 8 10 2 12 \ 29 \ 9 4 2 11 7 23 4 40 9 S 10 53 7 18 4 46 9 7 258 29 4 P 10 7 2 50 7 24 4 40 10 8 11 34 7 18 4 47 10 8 3 42 29 4 37 10 59 3 30 7 24 4 41 10 59 ev 16 7 *9 4 47 10 59 4 24 7 3° 4 37 11 57 4 12 7 24 4 42 11 55 1 7 19 4 48 " 54 5 6 Moon's Phases. Boston. New- York. Washington. Charleston. SUN at noon mark. D. h. M. h. M. H. M. H. M. D. H. M. s. Last Quarter, 2 10 12 Morning. 10 Morning. 9 48 Morning. 9 36 Morning. I II 49 19 New Moon, IO 10 53 Morning. 10 41 Morning. 10 29 Morning. 10 17 Morning. 9 II 52 40 First Quarter, 17 11 55 Morning. 43 Morning. 11 31 Morning. 11 19 Morning. 17 II 56 29 Full Moon, 24 9 19 Evening. 7 Evening. 8 55 Evening. 8 43 Evening. 25 12 O 27 28 THE NEW-YORK ALMANAC FIG-TIRES riJOM THE CENSUS." npHE following table shows the distribution of population in the United States, etc., accord- X ing to the census of 1880. The Indians included arc only those who live among the whites, not those under tribal relations or on reservations. The number of females to 100,000 males has decreased to present figures from 97,801 in 1870, and the proportion of foreign to native born ! from 16,878 in 1870. The number of colored persons to 100,000 whites has increased from 14,528 in 1870 to 15,153 in 1880. The center of population at the first census, 1790, was twenty-three miles east of Baltimore ; the movement of this point has been nearly due westward at the rate of from 36 to 81 miles in ten years. The order of advance has been as follows : 41, 36, 50, 39, 55, 55, 81, 42, 58, and its present position is in Kentucky, eight miles vrest by south from the heart of Cincinnati, O., and one and a half miles south-east of the village of Taylors ville. The increase in population since 1870 has been 29J/3 per cent. STATE. TOTAL. ran f ASIATICS. ■ 1 r cmales to 100,000 Males x* or n uorn to IOO 000 ^ atives. 1,262,794 662,328 60O.24O 4 213 102,731 772 4Q.44 1 35, i7 8 138 1,632 3,493 43,398 65,613 802,564 591,61 1 210,622 I34 IQ7 92,747 1.2QQ 864,686 767,266 6,168 75,122 16,130 66,841 51,167 194,649 1 9 I ,45 2 2,459 6lO 128 50,342 25,686 622,683 610,884 11,428 I30 241 IO 3,5 7 26,336 Dakota 135,180 I 33> 1 77 381 238 1 1384 64,249 62, 1 1 2 Delaware 146,654 120,198 26,450 I 5 97,772 6,905 District of Columbia. 177,638 118,236 59,378 l8 6 1 12,501 10,662 Florida 267,351 141,832 125,464 18 37 97,464 3,773 1,530,048 814,251 724,685 18 Q4 102,191 675 Idaho 32,611 29,01 1 58 3.378 164 49,468 44,112 3,078,769 3,032,174 46,248 214 133 93,946 23.389 1,978,362 i,939.°94 38,998 37 233 95,746 7.836 1,624,620 1,614,666 9,443 47 464 91,530 19,183 995,966 952,056 43,096 22 792 85,562 12,378 1,648,708 1,377,187 271,461 10 50 98,001 3,742 940,103 455,007 483-794 483 819 100,520 6,111 Maine 648,945 646,903 1,418 9 6l5 100,239 9,977 934,632 724,718 209,897 6 II 102,300 9,701 1,783,012 1,764,004 18,411 256 341 107,695 33,069 1,636,331 1,614,078 M-986 29 7.238 89,769 31,118 780,806 776,940 1,558 54 2,254 86,233 5 2 , 1 7 2 i,i3i,59 2 479.371 650,337 52 1,832 99,527 817 2,168,804 2,023,568 145,046 1* 92,368 10,791 39»i57 35,446 288 1,764 1,659 38,953 41,658 Nebraska 452,433 449,806 2,376 18 233 81,500 27,430 Nevada 62,265 53,574 465 5,423 2,803 48,204 70,016 New Hampshire .... 346,984 346,264 646 14 60 103,420 15.292 1,130,983 1,091,947 38,796 182 58 102,025 24 366 New Mexico 118,430 108,127 648 55 9,600 85,770 9^54 New- York 5,083,810 5,017,116 64,969 942 783 102,843 31,284 North Carolina 1,400,047 867,478 53*, 351 1 1,217 103,438 263 Ohio 3,198,239 3,118,344 79.665 117 "3 98.X35 14,080 174,767 163,087 486 9,5i5 1,679 69,040 21,091 Pennsylvania 4,282,786 4,197,106 85342 170 168 100,445 15,900 276,528 269,931 6,503 27 67 107,864 36.49 1 South Carolina 995,622 391,224 604,275 9 114 102,994 773 Tennessee 1,542,463 1,139,120 402,991 27 325 100,479 1,087 Texas i,59 2 >574 1,197.499 394,001 142 932 89,882 7,748 Utah 143,906 142,380 204 518 804 93,240 43-943 332,286 331,243 1,032 II 99,107 14,054 1,512,806 880,981 631,754 "6 65 102,832 979 75,120 67,349 357 3,227 4,187 63,386 26,766 West Virginia 618,443 592,606 25,806 14 17 96,656 3,o37 1,315,480 1,309,622 2,724 16 3."8 93.423 44,548 20,788 19.436 299 914 139 46,901 39,^5 United States 50,152,866 43,404,876 6,577,151 105,717 65,122 9 6 ,5i9 15,359 * For the documents containing this and other valuable information we are indebted to the courtesy of Hon. Francis A. Walker. Superintendent of the Census. THE NEW -YORK ALMANAC. 29 CITIES AXD TOWXS HAVING A POPULATION OF 12,000 AXD "UPWARD. CITIES AND TOWNS. New- York, N. Y . Philadelphia, Pa ... . Brooklyn, NY Chicago, 111 Boston, Mass St. Louis, Mo Baltimore, Md Cincinnati," O San Francisco, Cal . . New Orleans, La. . . . Cleveland, O Pittsburg, Pa Buffalo, N. Y | Washington, D. C . j Newark, N. J ■ Louisville, Ky Jersey City, N. J . ! Detroit, Mich i Milwaukee, Wis Providence, R. I Albany, N. Y Rochester, N. Y Allegheny, Pa Indianapolis, Ind Richmond, Va New Haven, Conn . . Lowell, Mass Worcester, Mass Troy, N. Y Kansas City, Mo Cambridge, Mass Syracuse, N. Y Columbus, O Paterson, N. J Toledo, O Charleston, S. C Fall River, Mass . Minneapolis, Minn . . Scranton, Pa Nashville, Tenn Reading, Pa Hartford, Conn Wilmington, Del. . . . Camden, N. J St Paul, Minn Lawrence, Mass Dayton, O Lynn, Mass Denver, Col Oakland, Cal Atlanta, Ga Utica, N. Y Portland, Me Memphis, Tenn Springfield, Mass. . . . Manchester, N. H. . . St. Joseph, Mo Grand Rapids, Mich. Wheeling, W. Va . . . . Mobile, Ala Hoboken, N. J Harrisburgh, Pa Savannah, Ga Omaha, Neb Trenton, N. J ,206,590 846,984 566,689 5<>3>304 362,535 350,522 332,190 255,708 233,956 216,140 160,142 156,381 »55,i37 147,307 136,400 123.645 120,728 116,342 "5,578 104,850 90,903 89,363 78,681 75,o74 63,803 62,882 59.485 58,295 56,747 55,8i3 52,740 5i,79i 51,665 50,887 ; 50,143 49,999 49,006 46,887 45,850 43,46l 43,280 42,553 42,499 ' 41,658 41,498 39- I 78 38,677 38,284 35,630 34,556 34,398 33.913 33,8io 33,593 33,34o 32,630 32,484 32,015 31,266 31.205 30,999 30,762 30,681 30,518 29,910 CITIES AND TOWNS. Covington, Ky Peoria, 111 Evansville, Ind Bridgeport, Conn Elizabeth, N. J Erie, Pa Salem, Mass Quincy, 111 Fort Wayne, Ind New Bedford, Mass . . . Terre Haute, Ind Lancaster, Pa Somerville, Mass Wilkesbarre, Pa Augusta, Ga Des Moines, Iowa Dubuque, Iowa Galveston, Texas Watervliet, N. Y Norfolk, Va Auburn, N. Y Holyoke, Mass Davenport, Iowa Chelsea, Mass Petersburgh, Va Sacramento, Cal Taunton, Mass Norwich, Conn Oswego, N. Y Salt Lake City, Utah. . Springfield, O Bay City, Mich San Antonio, Tex Elmira, N. Y Newport, Ky Waterbury, Conn Poughkeepsie, N. Y. . . Springfield, 111 Altoona, Pa Burlington, Iowa Cohoes, N. Y Gloucester, Mass Lewiston, Me Pawtucket, R. I East Saginaw, Mich. . Williamsport, Pa Yonkers, N. Y Houston, Texas Haverhill, Mass Lake Township, 111 Kingston, N. Y Menden, Conn Hempstead, N. Y Zanesville, O Allen town, Pa Council Bluffs, Iowa. . . Newburgh, N. Y Portland, Or Wilmington, N. C Binghamton, N. Y .... Bloomington, 111 New Brunswick, N. J. Long Island City, N. Y Newton, Mass Bangor, Me 29,720 29,315 29,280 29,148 28,229 2 7,73o 27,598 27,275 26,880 ^6,875 26,040 25,769 24,985 23,339 23,023 22,408 22,254 22,253 22,220 21,966 21,924 21,851 21,834 21,785 21,656 21,420 21,213 21,141 21,117 20,768 20,729 20,693 20,561 20,541 20,433 20,269 20,207 19,746 19,716 I9.450 I9.4I7 19.329 19,083 19,030 19,016 i8,934 18,892 18,646 i8,475 18,396 18,342 18,340 18,160 18,120 18.063 18,059 18,050 17,578 17,361 i7,3i5 17,184 17,167 i7,n7 CITIES AND TOWNS. Montgomery, Ala. . . Lexington, Ky Johnstown, N. Y. . . . Leavenworth, Kan . . Akron, O New Albany, Ind. . . Joliet, 111 . Jackson, Mich Woonsocket, R. I . . . Racine, Wis Lynchburg, Va Flushing, N. Y Sandusky, O Oshkosh, Wis Hyde Park, 111 Newport, R. I Topeka, Kan Youngstown, O Atchison, Kan Chester, Pa Lafayette, Ind Leadville, Col La Crosse, Wis New Britain, Conn.. Norwalk, Conn York, Pa Concord, N. H Lincoln, R. I Virginia City, Nev . . New Lots, N. Y Schenectady, N. Y.. Alexandria, Va Brockton, Mass Newburyport, Mass. Lockport, N. Y Nashua, N. H Pittsfield, Mass South Bend, Ind . Pottsville, Pa Orange, N. J Little Rock, Ark Rockford, 111........ Fond-du-Lac, Wis. . . Norristown, Pa Lincoln, Neb Chattanooga, Tenn. . Macon, Ga Richmond, Ind Castleton, N. Y. . . Cortlandt, N. Y Biddeford, Me Georgetown, D. C . . . San Jose, Cal Fitchburg, Mass .... Canton, O Northampton, Mass . Warwick, R. I Rutland, Vt Hamilton, O Keokuk, Iowa Steubenville, O Rome, N. Y Maiden, Mass Kalamazoo, Mich . . . Easton, Pa * The number of inhabitants in 1870, within present city limits, is estimated as between 206,000 and 207,000. 30 THE NEW-YORK ALMANAC. STATES AND TKKKI- TORIES. Alabama Arizona Arkansas California Colorado Connecticut Dakota Delaware District of Columbia Florida Georgia Idaho Illinois Indiana Indian Territory .... Iowa Kansas Kentucky Louisiana. Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire .... New Jersey New Mexico New- York North Carolina Ohio Oregon Pennsylvania Rhode Island South Carolina Tennessee Texas Utah Vermont Virginia Washington Territory West Virginia Wisconsin Wyoming INDIAN COKN, bushels. 25,446,413 36,246 23,666,057 2,050,007 455,988 1,924,794 2,078,089 3.892,464 29.750 3,174,234 23,i9°>472 16,408 327,796,895 117,121,915 \\ UK A I . buihdfc 1,529,683 189,527 1,252,181 28,787,132 '•475,559 38,742 3,018,354 1.175,182 6,402 513 3.158,335 540.564 51,136,455 47,288,989 OATS, bushel-. 3,039,274 624 2,187,777 1,355,871 640, 100 1,009,706 2,331,230 378,508 7,440 468,122 5,544,i6l 462,236 63,206,250 15,606,721 HARI.KV, bushels. 6,420 239,051 2,342 12,578,486 107,241 12,286 307,166 537 RYK. COTTON, TOBACCO, bushels. bales. pounds. 210 19,396 274,75o 1,229,693 383,329 28,495 22,030 184,068 20,937 370,732 35,972 5,953 3,704 3,070 101,759 3,121,682 303,221 54,997 (14,441 276,093,295 106,791,482 73,977,829 9,878,024 960,633 16,202,521 1,805,295 36,844,229 14,979,744 21,340, 800 203,464,620 5,794 65,785,572 12,891 1,358,625 11,247,402 65o,954 26,520,182 27,959,894 112,681,046 127,675 47,970,987 372,967 11,764,349 62,833,017 28,846,073 164,244 2,022,015 29,102,721 39,906 14,233,799 35,991,464 65 31,177,225 17,324,141 ",355,34o 5,044 665,714 8,004,484 15,818 35,537,097 34,625,657 218,890 24,971,727 469,688 13,846,742 70,404 169,316 1,901,739 708,778 11,586,754 3,385,670 46,014,869 7,486,492 19,462,405 290 j 962,330 7,331,480 2,555,652 1,167,268 337,257 7,822,354 1,921,382 4,002,017 24,884,689 4,762 50,612, 141 8,180,385 4,582,968 229,850 2,265,575 1,794,872 645,169 18,190,493 23,372,752 1,959,620 20,673,458 900,915 6..555,565 186,860 1,018,006 3,710,808 157,437 37,575,5o6 3,830,622 28,664,505 4,393,593 33,847,439 159,339 2,715,445 4,722,938 4,868,916 417,938 3,742,282 5,333,o8i i,58i,95i 1,908,505 32,911,246 22,512 4.021,473 300,313 j 487,031 50 I 242,185 6,312 80,158 1,204,523 2,973,061 3,127 123,476 39,97o i,744,7" 513,530 i 77,877 4,216 47,248 7,788,749 4,799 1,707,164 92o,977 438,376 17,783 16,645 30,150 I 75,842 1 216,535 267,625 14,560 566,642 10,131 5,043,202 131 ',518,307 413,181 676,345 1,106 26,568 288,371 214,034 295,440 215,716 5,288 535,458 I 43° 1 424,693 158 ! 34,638 949,104 290 > 2,634,390 284,993 ; 389,221 16,550 3,683,621 12,997 26,987 156,446 25,758 9,7i9 7i,733 324,557 9,816 113,181 2,298,544 78 1,367 508,569 955,8o8 19,733 452,556 600 970,220 73,3i7 14,044,652 2,107 ',353 1,400 22,197 231,198 400 3,936,700 8,872,842 420,722 191,749 171,121,134 56,564 35o 26,082,147 5,369,436 84,333 70,389 415,248 11,994,077 389,598 522,548 330,644 803,642 58,589 1,500 170,843 171,405 1,249 6,553,35i 26,986,448 34,725,405 17,^60 36,957,772 925 46,144 29,365,052 222,398 131,422 80,099,838 7,072 2,296, 146 10,878,463 Totals, 1879. ,772,909,846 .717,434,543 459,591,093 498,549,868 407,970,712 417,885,380 44,149,479 45,165,346 19,863,632 24,540,829 5,737,257 473,107,573 6,343,271 446,296,889 a<;ri< ri/n hal statistics. BELOW will he found the number of hushels of five of (lit staple grains of the United States, produced in 1879, according to the census report, also the number of hides of cotton and pounds of tohacco. In addition to the cereals mentioned, there were grown 11,851,738 hushels of buckwheat, of which over eight million hushels were produced in New- York and Pennsylvania. There were also produced 181,626,400 hushels of potatoes, 2,725,197 tons of cotton-seed, and 1,362,599 tons of lint. The increase in cereal products during the census decade- was nearly one hundred per cent., but it is partly ascribed to the partial failure of the corn crop of 1869 and the heavy yield of 1879. The cereal increase from i860 to 187(3, as reported by the census, was but twelve per cent., while the increase between 1850 and i860 was forty-three per cent. The sugar crop of Louisiana in 1879 was 169,972 hogsheads of 1137 pounds each. The totals for 1880 are the estimates of the I )epartment of Agriculture. The estimates for 1881 are I not complete at this writing, hut show the corn crop to be about 1,150,000,000 bushels, wheat about 400,000,000 bushels, cotton about 6,000,000 bales. THE NEW-YORK ALMANAC 31 MUNICIPAL, STATE, AXD NATIONAL INDEBTEDNESS. THE following table shows the net indebtedness, by States, of cities and towns therein con- taining over 7500 inhabitants, according to the census of 1880 ; also the debts of States as per statements of 1879 or 1880. Of the municipal bonded debt, $304,206,158 bears interest at six per cent. ; on the balance, the rates range from three to ten per cent. The annual interest charge is $49,954,433.78, on a bonded debt of $682,096,460 — an average of a trifle over six per cent. The floating debt and sinking funds account for the discrepancy between the latter amount and the net debt given in the table. This debt matures at an average rate of about $23,000,000 per annum until the year 1900. All but about fifty millions of the present bonded debt has been contracted since i860. The largest item is $141,797,828 for water-works. Street and sewer im- provements have left a debt of $102,838,251; railroad and other aid, $68,309,493; parks, $40,490,636; war expenses, $28,722,787. The national debt, October 1, 1881, was $1,798,857,085, and the annual interest charges, $62,047,758 ; so if we consider the indebtedness of towns with less than 7500 inhabitants, together with that of counties and school districts, to be equal to the indebtedness discharged from the time these estimates were made to the present, we have, as the total public indebtedness of the people of the United States, $2,644,857,085, with an annual interest charge of $112,002,191.78. Alabama Arkansas California Colorado Connecticut Delaware District of Columbia. Florida Georgia Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Nebraska Nevada New Hampshire . . . New Jersey New- York North Carolina Ohio Oregon Pennsylvania Rhode Island South Carolina ... Tennessee Texas Utah Vermont Virginia West Virginia Wisconsin Totals NO. OF CITIES AND TOWNS. NET DEBT. $3,500,750 335.243 5,285,203 132,000 12,015,431 1,372,450 22,675,459 280,916 8,848,319 18,480,839 7,175,758 2,840, 727 1,833,624 7,096,553 18,193,653 ",467,393 1,809,030 61,355,650 5.007,817 2,929,582 373,218 27,095,558 427.193 II2,000 2,994,898 36,913,809 177,239,951 678,202 36,511,474 76,500 77,688,635 10,761,964 4,983,952 6,489,107 3,220,205 67,000 585,887 10,380,431 531,882 3,576,155 $593,344,41 NET DEBT PER CAPITA. $65 59 25-52 16.31 2.62 40.69 32.31 141.84 16.02 78-39 23-99 28.50 18.62 32 -97 35-73 81.22 98.78 5-15 54.67 17.92 27. 21 31-59 58.97 9.82 8.17 36.86 73-34 68.67 25.48 47.96 4-35 51 .60 59.28 83.04 65-13 34-99 3-23 24.92 66.67 17.01 15.69 DUE SUBSEQUENT TO 1900. NET STATE DEBTS. $2,540,900 817,000 2,897,000 109,500 14,587,900 5,903,500 980,000 562,235 296,770 3,792,000 443,050 3,068,300 6,332,800 13,953,074 700,000 514,500 2,190,000 25,000 175,000 8,222,800 77,413,272 103,300 l8,I22,0OO 20,881,740 1,500,000 3,235,900 2,506,200 1,999,500 5,414,758 III.OOO I, 600, OOO 11,532,252 5,046,405 606, 500 162,887 4,967,600 953,000 1,295,605 9,951,500 4,998,178 545,435 1,181,975 1,858,008 16,332,493 8,370,557 7,041,398 20,785,216 905,149 2,687,002 386,253 16,758,000 449,267 645,642 3,661,200 1,896,300 7,o59,574 27,120,228 6,480,970 511,376 13,794,328 2,534,5oo 6,639,171 26,842,850 5,086,783 31,227,083 2,252,057 $5i-i7 $201,058,999 $252,656,742 32 THE NEW-YORK ALMANAC BARN i \ B88. Not from a vain or shallow thought His awful Jove young Phidias brought; Never from lips of cunning fell The thrilling Delphic oracle ; Out from the heart of nature rolled The burdens of the Bible old ; The litanies of nations came, Like the volcano's tongue of flame, Up from the burning core below, — The canticles of love and woe. The hand that rounded Peter's dome, And groined the aisles of Christian Rome-, Wrought in a sad sincerity ; Himself from God he could not free ; He builded better than he knew ; — The conscious stone to beauty grew . — R. \ \ '. Emerson. EDUCATION AM) SUCCESS. By James a. Gar field.* I HAVE a deep and peculiar sympathy with young people who are engaged in any department of education. Their pursuits are to me not only matters of deep interest, but of profound mystery. It will not, perhaps, flatter you older people when I say that I have far less interest in you than in these young people. With us, the great questions of life are measurably settled. Our days go on, their shadows lengthening as we approach nearer to that evening which will soon deepen into the night of life ; but before these young peo- ple are the dawn, the sunrise, the coming noon — all the wonders and mysteries of life. For ourselves, much of all that belongs to the possibilities of life is ended, and the very angels look down upon us with less curiosity than upon these whose lives are just opening. I feel a profounder reverence for a boy than for a man. I never meet a ragged boy of the street without feeling that I may owe him a salute, for I know not what possibilities may be buttoned up under his shabby coat. When I meet you in the full flush of mature life, I see nearly all there is of you ; but among these boys are the great men of the future — the heroes of the next generation, the philoso- phers, the statesmen, the philanthropists, the great reformers and molders of the next age. Let me beg you, in the outset of your career, to dismiss from your minds all idea of succeed- ing by luck. There is no more common thought among young people than that foolish one that by and by something will turn up by which they will suddenly achieve fame or * From an address before the students of the Spencer- ian Business College, Washington, D. C, June 29, 1869. fortune. No, young gentlemen ; things don't turn up in this world unless somebody turns them up. Inertia is one of the indispensable laws of matter, and things lie flat where they are until by some intelligent spirit (for nothing but spirit makes motion in this world) they are endowed with activity and life. Do not dream that some good luck is going to happen to you and give you fortune. Luck is an ignis fatiais — you may follow it to ruin, but not to success. The great Napoleon, who believed in his destiny, followed it until he saw his star go down in blackest night, when the Old Guard perished around him, and Waterloo was lost. A pound of pluck is worth a ton of luck. Young men talk of trusting to the spur of the occasion. That trust is vain. Occasions can- not make spurs, young gentlemen. If you expect to wear spurs, you must win them. If you wish to use them, you must buckle them to your own heels before you go into the fight. I Any success you may achieve is not worth the having unless you fight for it. Whatever you win in life you must conquer by your own efforts, and then it is yours — a part of yourself. Again : in order to have any success in life, or any worthy success, you must resolve to carry into your work a fullness of knowledge — not merely a sufficiency, but more than a ', sufficiency. In this respect, follow the rule of the machinists. If they want a machine to do the work of six horses, they give it nine-horse power, so that they may have a reserve of ; three. To carry on the business of life you I must have surplus power. Be fit for more 1 than the thing you are now doing. Let I every one know that you have a reserve in I yourself: that you have more power than you are now using. If you are not too large for I the place you occupy, you are too small for it. Let me suggest that, in giving you being, God locked up in your nature certain forces and capabilities. What will you do with them? Look at the mechanism of a clock. Take off the pendulum, and the ratchet and the wheels go rattling down, and all its force is expended in a moment ; but properly balanced and regulated it will go on, letting out its force tick by tick, measuring hours and days, and doing faithfully the service for which it was designed. I im- plore you to cherish and guard and use well the forces that God has given to you. You may let them run down in a year, if you will. Take off the strong curb of discipline and morality, and you will be an old man before your twenties are passed. Preserve these forces. Do not ! burn them out with brandy or waste them in idleness and crime. Do not destroy them. Do not use them unworthily. Save and protect them, that they may save for you fortune and fame. Honestly resolve to do this, and you will be an honor to yourself and to your country. THE NEW - YORK ALMANAC. 33 VOI/TAIKB. If thou wouldst view one more than man and less, Made up of mean and great, of foul and fair, Stop here ; and weep and laugh, and curse and bless, And spurn and worship ; for thou seest Voltaire. That flashing eye blasted the conqueror's spear, The monarch's sceptre, and the Jesuit's beads ; And every wrinkle in that haggard sneer Hath been the grave of dynasties and creeds. In very wantonness of childish mirth He puffed Bastiles, and thrones, and shrines away, Insulted Heaven, and liberated earth ; Was it for good or evil? Who shall say? — Macaulay. ARAB HUMOR. A READY answer was always sure to be appreciated at the court of an Arab mon- arch. Abu Dulameh, a black Abyssinian slave, who lived during the reigns of the first Abbas- side caliphs, was famous for his ready wit. On one occasion he was standing in presence of Es Saffah, " the blood-shedder," the first of that dynasty, when the latter said to him: " Ask of me whatever you desire." " I want a sporting dog," said he. " Let him have it," said Es Saffah. " And a horse to mount when I hunt," he added. '• Let him have a horse," said Es Saffah. " But I must have a slave to lead the horse and carry the game," the other went on. " Let him have a slave," said the caliph. " And a slave-girl to dress and cook the game for us." said Abu Dulameh. " Let him have a slave-girl," said the caliph. " Why, Commander of the Faithful," cried Abu Dulameh, " that makes quite a family ; what shall I do without a house for them ? " "Let him have a house to hold them all," said the caliph. " Ah ! " continued the other, " but how to support them ? " " I will give you ten uncultivated farms in the plains where the children of Israel dwell," answered Es Saffah. " And I will give thee, O Commander of the Faithful, a hundred uncultivated farms among the Beni Saad ! " retorted Abu Dulahmeh. It is perhaps needless to remark that both the Jews of Arabia and the desert tribe men- tioned by the jester were turbulent subjects, and that the caliph's writs only ran there nom- inally ; the property would, therefore, have been hard to realize. " Very well, then," said the caliph; "you shall have cultivated farms." So Abu Dulameh got by his cunning all he wanted, and much more than the caliph intend- ed to give. Father Noah is with us Occidentals credited with the invention of the too seductive fluid ; but the Orientals know better. Father Adam was too clever (they say) to have missed such a discovery, and it was he who planted the vine. The result would, no doubt, have been perfectly harmless, had not Ibliss, always ready to make mischief, stepped in and spoiled the fun. That unprincipled demon came fur- tively after our first father, and sacrificed a peacock on the spot where the plant was set. As soon as -it began to sprout forth, he sacri- ficed an ape over it ; when the grapes began to appear he slaughtered a lion ; and when these were ripe, he offered up a pig. Hence it is that he who drinks wine feels at first as proud as a peacock, and becomes subsequently as tricksome as an ape, as bold as a lion, and at length as stupid as a pig. A certain king visited a mad-house, and found there an intelligent-looking youth, who replied sensibly to several questions, and finally requested an answer from his sovereign to the following: " At what period does a sleeper enjoy his sleep most ? " The king reflected awhile, and said, " While he is actually sleeping." " That cannot be," said the madman, " for he has no perception while asleep." " Then before he goes to sleep," said the king. " How can one enjoy anything," said the madman, " before it comes ? " " Then," said the king, " after he has been asleep." " Nay," said the madman, " a man cannot be said to enjoy a thing that has passed away." — Temple Bar. If any one has swallowed poison of any kind, an instantaneous remedy, useful in a large num- ber of cases, is a heaping tea-spoonful of com- mon salt, and the same quantity of ground mustard, stirred quickly in a tea-cup of water, warm or cold, and swallowed instantly. It is scarcely down before it begins to come up, bringing with it the remaining contents of the stomach". And lest any poison should remain, let the white of an egg or a tea-spoonful of strong coffee be administered as soon as the stomach is quiet, as these articles neutralize a large number of virulent poisons. 3 THE NEW-YO RK ALMANAC MY PRBTT1 GEELL -WITTS. My girl-wife was as brave as she was good, And helped me every blessed way she could ; She seemed to take to every rough old tree, As sing'lar as when first she took to me. She kep' our little log-home neat as wax; And once I caught her fooling with my ax ; She learned a hundred masculine things to do; She aimed a shot-gun pretty middlin' true, Although, in spite of my express desire, She always shut her eyes before she'd fire. She hadn't the muscle (though she//a.'/the heart) In outdoor work to take an active part ; Though in our firm of Duty & Endeavor, She wasn't no silent partner whatsoever. When I was logging, burning, choppin' wood, She'd linger 'round, and help me all she could, And kept me fresh-ambitious all the while, And lifted tons, just with her voice and smile. With no desire my glory for to rob, She used to stan" around and boss the job ; And when first-class success my hands befell, Would proudly say, " We did that pretty well ! " She was delicious, both to hear and see — That pretty wife-girl that kep' house for me. — Will Carleton : " Farm Festivals." RESPECT IN THE FAMILY. AS boys and girls grow up to manhood and womanhood, parents should respect that nascent dignity which comes with the age — they should respect individuality. It is one reason, perhaps, why sisters cannot always live together happily that neither has been taught to respect the other's strong peculiarity of character, at least in outward manner. If we treated our brothers and sisters with the same respect that we treat our formal acquaintances in mat- ters of friendship, opinion, and taste, there would be greater harmony in households. One of the first and most apparent duties is to respect a seal. Never open your children's letters after they are old enough to read them. It is a curious element of self-respect that this " community of letters " which exists in some families hurts the feelings of a young person from the first. Certain cross-grained parents or relatives tear open Sam's letters from Dick and laugh at them. Certain other parents con- sider it a duty to open their daughter's love- letters. Perhaps in the attempt to keep a daughter from marrying improperly any kind of warfare is allowable. Extraordinary cir- | cumstances make extraordinary precautions proper ; but it should be the last resort. No girl is made better by espionage. If she is a natural-born intriguer, no surveillance will defeat her. If she is, as are most girls, trembling in the balance between deceit and honesty, a fair, open dealing, a belief in /ier, will bring her all right. Do not set servants to watch her. Do not open her letters. Do not spy on her acts or abuse her friends. She will ! be far more apt to come right if she is treated as if she were certain to be true, frank, and honorable in all her acts. As for young boys and men, belief in their word, confidence in their honesty, is the way to make them honorable gentlemen. Ue care- ful, as we have said before, not to laugh at them; respect 'their correspondence. If the rough-and-tumble of a public-school is to be their portion, there is no fear that the amen- ities of home will make them effete. They will need all their polish as they go knocking through the world. — From "Amenities of Home" Governor Porter, of Indiana, in a speech before the Indiana school-teachers, said : " The best preparation of the boy for a virtuous life is to interest him in good reading. I remem- ber that, a few years ago, when one of my boys was a little fellow, I noticed that he was read- ing what I thought was an objectionable novel. I said, ' I don't like this business of novel read- ing,' and thought he ought not to read the book any more. But before I insisted on his giving it up, he said, * I wish you would read one of these books I have been reading.' I took up the book, and found it to be a boy's book about ' The Coral Islands.' It chanced to be Sunday morning, and I did not go to hear any preacher that morning, or afternoon either, and was not content until I had read the book through. (Laughter.) Why, such books put into a boy's hands are perfectly irresistible. You can catch the drift of a boy's mind and character by tumbling out before him promis- cuously a lot of books better than, perhaps, in any other way ; and it is while a boy is read- ing books in which he is interested that he is shaping what his life will be. I know a boy very well, who is not far removed from my own family, who has developed a remarkable fondness for the sciences, and all from reading a popular series of books treating on water, heat, electricity, and other matters of that kind, each of which is worked up into a story." My fairest child, I have no song to give you ; No lark could pipe to skies so dull and gray ; Yet ere we part one lesson I can leave you For every day. Be good, sweet maid, and let who will be clever ; Do noble things, not dream them, all day long ; And so make life, death, and that vast forever One grand, sweet song. — Charles Kings ley. THE NEW-YORK ALMANAC. 35 THE RAIXY DAY. The day is cold and dark and dreary ; It rains, and the wind is never weary ; The vine still clings to the mouldering wall, But :it every gust the dead leaves fall, And the day is dark and dreary. My life is cold and dark and dreary ; It rains, and the wind is never weary ; My thoughts still cling to the mouldering Past, But the hopes of youth fall thick in the blast, And the days are dark and dreary. Be still, sad heart ! and cease repining ; Behind the clouds is the sun still shining : Thy fate is the common fate of all, Into each life some rain must fall, Some days must be dark and dreary. -H. W. Longfellow. "Do thyself no harm," is an injunction of wide application. A man who would wantonly cut off any of his members, by persisting in such a course would eventually find himself disabled, and degraded to a position of help- lessness and dependence ; and he who does violence to his moral nature does himself a still greater wrong. Desires, appetites, and passions may be conquered and trampled under foot ; but he who crushes his conscience, who violates his sense of right, who suffers himself to do wrong to others, and does not make haste to repair that wrong, has done himself an injury much greater than that which others have suffered at his hand. A consciousness of integrity gives moral strength ; an erect man can carry a heavier load than one who stoops, and an upright man has a strength which those who have bowed down to false gods know nothing of. A hollow heart makes a feeble hand. Whenever we try to persuade ourselves that wrong is right, that duty is unimportant, that the thing we wish to do we may do, even though it be forbidden of God, we may bewilder our conscience, and blind our eyes, and drift away from the path of God's providence and our own duty, but we are laying up sorrow for ourselves. And when ! the day shall come that will demand all our courage, fortitude, and faith, we shall find that | we have cut the sinews of our own strength, | and done ourselves an injury which we are j powerless to repair. A person wrote to the New- York Tribune : " I am a young man just commencing business, and have some young men in my employ. How can I manage to prevent insubordination on the one hand, and to make an affirmative success as an employer on the other hand ? Are there any books that will help me ? What are some of the best books for a young busi- ness man ? " The following pertinent suggestions were given in the answer: " The best single treatise is the New Testament; next to this is the Book of Proverbs of Solomon. The best business man we have ever known memorized the entire Book of Proverbs at twenty-two — carrying the American Tract Society's ten-cent edition in his vest-pocket, and committing a half-dozen verses daily; and when he became an employer, gave a copy of the book to every employe, with a friendly inscription commending it as an admirable business guide." We believe the winning of wealth to be a perfectly legitimate pursuit. Wealth has great and beneficent uses, and the world would go very slowly if money could not be accumu- lated in wise and enterprising hands ; but wealth may be used to make all men near it prosperous and happy, or it may be used to make them poor and miserable. When a rich man is only excited by his wealth with the desire to be richer, and goes on to exact larger profits and to grind the faces of the poor, in order that he may be superfluously rich, he becomes inhuman and unchristian. The Chris- tian use of wealth is what we need in this country and in all countries. It is not that wealth does not give in charity. It is not that wealth is not sufficiently taxed for the support of those who are wrecked in health or fortune, but it is that wealth does not give the people a chance to escape from poverty ; that it does not share its chances with the poor, and point the pathway for the poor toward prosperity. As a rule, wealth is only brotherly toward wealth, and the poor man feels himself cut off from sympathy with those who have the power of winning money. We may rest assured of one thing, namely, that the poor in the future will insist on being recognized. If they are not recognized — if they are ignored in the mad greed for wealth at any cost to them — they will make the future a troubled and terrible one for our children and our children's chil- dren.— J. G. Holland. When Eve brought woe to all mankind. Old Adam called her wo-man ; But when she wooed with love so kind, He then pronounced her ivoo-man. But now, with folly and with pride, Their husbands' pockets trimming, The women are so full of whims That men pronounce them wimmen / —Anonymous. 36 THE NEW-YORK ALMANAC;. BOM B. There is a spot of earth supremely blest, A dearer, sweeter spot than all the rest, Where man, creation's tyrant, casts aside His sword and scepter, pageantry and pride, While in his softened looks benignly blend The sire, the son, the husband, brother, friend. Here woman reigns ; the mother, daughter, wife, Strews with fresh flowers the narrow way of life ! In the clear heaven of her delightful eye, An angel guard of loves and graces lie ; Around her knees domestic duties meet, And fireside pleasures gambol at her feet. — James Montgomery. A WEIjIj-ORDERED HOME. IF every woman would set it before her, as an aim worthy of all that is strongest and best in her, to conduct a well-ordered home, a great deal of happiness and real beauty would be gained. ... It is wonderful to see how much ingenuity is displayed by some women who, with very little money, arc always dressed in perfect taste, and, with no apparent effort, keep old furniture from looking shabby, old carpets and curtains fresh and bright. But these things are accomplished by much thought and a great deal of hard work. Nothing helps a person to do things like doing them ; and it is a fact that in time one who has an actual distaste for housework may come to regard her kitchen as a laboratory in which careful manip- ulations will produce exact results. One seeing only these . results is not very much to blame for thinking them brought about in some mag- ical way. . . . Of course there is a difference in people, but many would be surprised if they were told that the reason why they cannot do certain things is because they never really tried. . . . A capital motto to be hung over the kitchen door is this, " Thou desirest truth in the inward parts " ; and the woman who, when she expected company to tea, always went the first thing and washed the cellar stairs, had tendencies in the right direction. . . . " If there is to be any dirt in the house," said the best housekeeper I ever saw, " let it be where I can see it ; let it lie on the parlor tables and chairs, rather than be allowed to remain under the beds, and in corners where it will become rich soil for the development of germs of disease." . . . "Girls," said grandmother to us one day, when we had been having one of our what Aunt Dinah would call " clarin'-up times," — "girls, my grandmother used to tell me that one keep clean is worth a dozen make cleans." — From " Household Hints" by Emma W. Babcock. HOUSE-PIjANTS I N winter. PKKI'AKATK >.\S for house-plants in win- ter must be made during the previous spring and summer ; and proper soil, a mode- rale amount of heat, sun, and moisture, are absolute essentials to their successful culture, i The pots for house-plants should not be too large. Those of contracted dimensions will insure more bloom, and make a stronger and j more compact plant. A plant to be forced is i always placed in what seems like a receptacle of insufficient size. The soil for potting should not be moist but friable, and the pot washed inside and out, and well dried before using it. Although ventilation is very desirable, plants should never be aired in winter by letting a draught blow on them, even on mild days, as this is always an injury, sometimes a fatal one. The morning sun is the great invigorator in I the way of growth and bloom, and a healthy j appearance generally, and only plants that love the shade will prove at all satisfactory without this tonic. ... In western windows, with dry heat, may be grown amaryllis, calla, zonale geraniums, cineraria, heliotrope, fuchsias, vin- ca, wax plant, cactus, German ivy, winter- blooming pinks, etc. . . . Western windows, with little heat, are favorable to fuchsias, zonale geraniums, Chinese primrose, vinca, pansies, j pinks, lily-of-the-valley, ixia, sparaxis, tritoma, tulip, hyacinth, scilla, lilium, rose-geranium, heliotrope. To ascertain the needs of any plant in re- spect to water, it is only necessary to rap on the side of the pot ; a hollow, ringing sound in reply is a cry for water, while a dull, heavy sound indicates that the plant is not thirsty. Once a week the leaves of all house-plants should have a thorough washing, and an atom- izer will be found excellent for this purpose. Hanging-baskets require frequent watering, for which, with due regard to the carpet be- neath, they have to be taken down from their perches, and then suspended somewhere else to dry ; but this trouble maybe avoided by sus- pending a bottle of water just above the basket, and place in it two pieces of yarn, leaving one end of each piece outside. The drip will keep the earth moist enough for winter. — From the " Home Garden" by Ella Rodman Church. Better trust all, and be deceived, And weep that trust and that deceiving, Than doubt one heart, that, if believed, Had blessed one's life with true believing. O, in this mocking world, too fast The doubting fiend o'ertakes our youth ! Better be cheated to the last, Than lose the blessed hope of truth. — Frances Anne Ketnble. THE NEW-YORK ALMANAC. 37 THE POET'S SONG. [For the song itself, see Tennyson's Works.— Ed.] The rain had fallen, the Poet arose, He passed by the town and out of the street, A light wind blew from the gates of the sun, And waves of shadow went over the wheat, And he sat him down in a lonely place, And chanted a melody loud and sweet, That made the wild-swan pause in her cloud, And the lark drop down at his feet. The swallow stopped as he hunted the bee, The snake slipt under a spray, The wild hawk stood with the down on his beak, And stared with his foot on the prey, And the nightingale thought, " I have sung many songs, But never a one so gay, For he sings of what the world will be When the years have died away." — Alfred Tennyson. Blustering natures, forgetful of the great truth that " power itself hath not one-half the might of gentleness," miss the ends for which they strive just because the force that is in them is not properly economized. Then as regards temper — any man who allows that to master him wastes as much energy as would enable him to remove the cause of anger or overcome an opponent. The little boy of eight years old who in the country is often seen driving a team of four immense dray horses, is one of the innumerable instances of the power of \ reason over mere brute force, which should induce violent tempers to become calm from policy, if from no higher motive. However modest his contemplated dwelling may be, the fees of an able and conscientious architect will be a saving, not an expense ; an able architect is not only an artist, but a practi- cal man of business, whose duty it is to see that his client gets the most of the best for his money ; and this consists as much in economy of construction as in preventing impositions of all sorts. There is a prevailing belief that beauty and expense are synonymous in house-building, and that those of us who have light purses must be content with more or less hideous and ill-contrived things. One of our main objects in these pages is to combat this fallacy, and to show that, though ornament and expense may be synonomous, beauty consists in a harmo- nious relation which is as attainable in a cot- tage as in a palace, and that to apply the same principles of construction or decoration to both must result in an effect of parsimonious bald- ness on the one hand, and of absurd ostenta- tion on the other. — From" Building a Ho7ne" by A. F. Oakey. If we could compress into one golden sen- tence the nearest approach to a formula for home happiness, it would be this : Be as polite to one another as if all were strangers. Do not let the intimacy of home break down a sin- gle barrier of self-control. Let every member of the family studiously respect the rights — moral, intellectual, and physical — of every other member. Let each one refrain from attacking the convictions of the other. We would not so treat a stranger. Why our own ? " Still in thy right hand carry gentle peace, To silence envious tongues." Furnishing [a house] may be done artist- ically without following rigidly all the rules of high art. . . . There are a few fundamental rules, however, that cannot be discarded, for in a well-furnished apartment there must be fitness, appropriateness, proportion, sim- plicity, harmony, and durability. Ornament should always be a part of a structure, and never attached to a structure. There should be no overcrowding on the one hand, nor bareness on the other. There should be a key of color, to which all the tints should bear relation. . . . Art does not exact costly things, but it requires sincere things. Ornament must not only be sincere, but chaste and modest. Every- thing showy and tawdry, ornament that di- verts attention from the object it is intended to ornament to itself, defeats its purpose. Orna- ment is to heighten the general effect, to give character and beauty, not simply to pile one substance upon another. — From " How to Fur- nish a Home" by Ella Rodman Church. EPITAPH. Farewell ! since nevermore for thee The sun comes up our earthly skies, Less bright henceforth shall sunshine be To some fond hearts and saddened eyes. There are who, for thy last long sleep, Shall sleep as sweetly nevermore, Must weep because thou canst not weep, And grieve that all thy griefs are o'er. Sad thrift of love ! the loving breast, Whereon thine aching head was thrown, Gave up the weary head to rest, But kept the aching for its own. — T. K. Hervey. 38 THE NEW-YORK ALMANAC. lifj: ixsruANCE topics. WHY INSURE J.IIE? i. BECAUSE life has a money value which may be suddenly destroyed. Men in- sure houses on that principle — why not life? 2. Because a man may die poor — when life insurance would be a great boon to his family. Many men have died poor who once had wealth, or excellent prospects of it. 3. Because, while men hope to leave a comfortable sum for their families, they can make sure of doing so by life insurance. 4. Because if one dies possessed of a fort- une, a part of his estate might as well be in the form of life policies as in any other. 5. Because life policies furnish ready cash to an estate without the sacrifice of any interests, or the winding up or selling out of any busi- ness. 6. Because by insuring one provides for his family's future, and need have no more anxiety on their account if he is ill, or business troubles threaten his capital. 7. Because if a man dies within fifteen or twenty years after insuring, his life policies will bring his estate more than the premiums would if put at compound interest — and the proba- bility is he would not put them at interest and keep them there. 8. Seven reasons are enough, but as a com- prehensive reason, covering the whole ground, may be added : Because the probabilities are that the proceeds of a life policy will be of more benefit and importance to one's family or estate when he dies than the premiums will be to him while he lives. 9. This REASONING and CONCLU- SION is certainly that of the best and shrewdest business men of the country — for they are very generally insured for large amounts. 10. Proof that these conclusions are sound is furnished by the figures of the policies paid every month by the New- York Life Insur- ance Company. The death of some soon after insuring shows that a man may appear perfectly well and yet have but a short time to live. The large sums which are paid to the families of those who die shew how life insur- ance lengthens out the life of a man in its money-producing power, thus enabling him to provide for his family in death as well as in life. The fact that nearly every policy paid returns more than has been paid on it, and that the average gain is large, shows that as a class men who die insured are largely the gainers by life insurance. A REASONABLE PRUDENCE. CONSIDERING how liable young and middle-aged men are to die, and how dependent their families are upon the results of their labor, the insurance of their lives is seen to be only the exercise of a reasonable prudence. The average mortality of men at age thirty is about eight per thousand ; at age forty, about ten per thousand ; at forty-seven, about twelve per thousand ; at fifty, about fourteen per thousand. Among men from thirty to fifty, therefore, about eleven families will each year be deprived of their chief sup- port. The ranks of such a company will be more than decimated every ten years. It is said with some show of reason that the safest place for a man is on board an express train, moving at the rate of thirty miles an hour, — because statistics show so few persons injured in comparison with the number carried. And why ? Because great pains are taken to prevent accidents ; everything, from road-bed to patent brakes, is studied with reference to safety. Were it known that any reasonable precautions for the safety of passengers were neglected, there would be an outcry of public indignation. Railroad companies are held to account in heavy damages for injury to passen- gers, because it is their business to carry them safely. So it is every man's busi- ness to carry his family safely through THE NEW-YO the period of their dependence, and to trifle with interests so sacred, by putting them to unnecessary hazard, is to incur a very grave responsibility. When a man does his best there still remain risks enough ; but woe unto him who neglects a reasonable precaution against dangers that are well known. When one goes on board a steam-boat, and sees the fire-buckets and axes, the life-boats and life-preservers, and then reflects how sel- dom there is any occasion to use them, it seems like a waste of money — a provision against danger out of all proportion to the danger. Thousands of passengers are carried every year, and not one of them uses a life-preserver ; the life-boats rot at the davits ; but who would wish to travel on a steam-boat that neglected to provide such things ? The truth is, when such things are needed it is a matter of life or death, and people realize that it is better to provide them ten thou- sand times where they may prove unnecessary than to be without them once when they need them. But no large company of persons journey through the world long, before some of them feel the need of life insurance. Every year the shadows of death fall upon the homes and hearts of more or less. It is only a reasonable precaution for all to insure. The cost of in- suring is not so great that it deserves to be compared with the sad results to the families of those who die uninsured. COST AND WORTH. rl" reference to property, the value of which is not clearly apparent, people are usually glad to have that which costs most. Buying in the open market, where competition is sharp, and where others buy who know what such things ought to cost, ordinary people con- clude, and rightly, that price is a fair measure of value. If they do not always buy the high- est-priced articles, it is usually because they feel that they cannot afford them. They would prefer to have that which sells for most in open market, because they honestly believe it to be worth most ; and they are usually right. It is folly to suppose that where there is no RK ALMANAC. 39 monopoly of privilege inferior goods can be continuously palmed off at the highest price. Suppose we apply this principle to life in- surance. Some say it costs too much — that it might be furnished at a lower rate. But there are many life-insurance companies. Com- petition is as sharp as in any other business under the sun. If it were possible to furnish safe and continuous insurance at a lower rate than that which it costs in an old and purely mutual company like the New- York Life, surely some of its rivals would have found it out. There is no other conclusion possible. Life insurance, like everything else, is bought and sold on its merits, and a company cannot go on many years selling a commodity in open market for much more than it costs to furnish it. If it is offered at widely different prices, there is doubtless quite as much difference in the quality as in the price. But insurance may be promised, without regard to cost or value. Life insurance is notably "sold for future delivery"; that is to say, the company receives money when it sells insurance, and the insurance is a contract to pay money by and by. Any one can see how easy it is to promise, at any price; but to deliver the goods is a different thing. For this reason, a new insurance company with no capital and no experience offers prac- tically no security whatever, when it takes an insurer's money, that it can or will redeem its promise. The insurer must take its policy on trust. So, when a new plan of insurance is proposed upon untried principles, it may appear plausible ; but one must pay his money now, before it is tested, and run the risk of the plan proving a failure. The object of insuring one's life is to avoid risk — to pay for the risk, and let some one else carry it. A man wants no failure at the other end of the line ; he pays his money in order that there may be none ; he wants the best and surest indemnity that money can buy. He wants to buy a certainty, and not a per- haps — not a probability, even. Therefore, if he is not very short-sighted, he will choose that which experience has shown to be good, even if it does cost more, rather than a prom- ise, the value of which he cannot estimate. 40 THE NEW-YO R K A LM AN AC. SAVING AND IN V KSTIN < .. r I A HERE are too many young men who JL spend their surplus earnings freely be- cause they have no pressing use for them. They are not in business that requires capital. They earn salaries. They do not owe money ; they are not interested in investments, because they have so little to invest. To put money in a savings-bank seems too miserly — too small business. What, go to the bank every month after pay-day, and deposit $5 or $10 ! No, they may want it ; and so they keep it, and it goes — they hardly know how or where. How many keep an expense account, or could tell at the end of the year what they had spent their wages for ? The time will doubtless come for all such, sooner or later, when they will need the money they are now spending so freely. When they get ready — or when they get a good chance, and find that they are not " ready," because they lack capital — to go into business for them- selves, then they will begin to realize the value of money. They have dreamed of riches all their lives ; but, while awake, have let the seeds of riches fall by the way-side and be devoured. We do not ask a young man to be close and mean ; we only advise him to do what he will by and by admit is the wise thing for a young man — and that is to invest a part of his income. Do not spend it all on yourself and your pleasures. Taking care of dependents, edu- cating yourself or others, putting money into savings-banks or life insurance — these are all first-class investments. It is specially desirable for men to insure their lives young. If they marry, their fami- lies will need the protection of life insurance ; if they do not, they ought to have endowments for themselves. By insuring while young, a man may have his policy — especially if a Lim- ited Payment Policy — nearly paid up before he has the expense of a family to provide for. Moreover, he gets the same amount of insur- ance for a less sum of money — both annually and actually. It may seem a paradox, but it actually costs less cash paid out to insure for one's whole life than for the latter part alone. That is the reward of beginning early. Again, a man runs less risk of being rejected by the medical examiner if he applies for insurance while young. It is a serious matter, when a man gets a family and needs insurance, to find that no first-class life company will insure him. When a man cannot get insurance, then he realizes his need of it as never before. Insure while young, and have insurance always. IIOLI DA Y JOl 8. THANKSGIVING, and Christmas, and New Year's — how they have crowded upon one another until, now that they are over, and the cheerful round (or grind) of daily toil begins again, doubtless many feel somewhat as children do after a surfeit of sweets — there is a bad taste in the mouth, and no appetite for the meat and potatoes of life. This is only an admonition to enjoy pleasure in a more rational way, and not to try to get from it more than there is in it. Holidays and vacations ought to leave us better prepared for work — ought to leave us with more strength and better courage. When they do not, it is a sign that something was wrong in our method of enjoying them ; either they were not of the right sort, or we entered upon them with mistaken ideas and temper. But we are bound to assume that our read- ers had a good time, and are satisfied with themselves. May they never have less cause for thanksgiving, less reason to be merry, nor see the dawning of a less happy new year. In order that this may be so, however, some things are prerequisite. Philosophers and crit- ics say " we see in a thing what we bring means of seeing." So we enjoy holidays, and all days, just as much as we bring to them means and capacities for enjoyment — and no more. We make the day what it is to us — very largely. There is something in the atmosphere, the sur- roundings, that helps, to be sure, but it needs to be appropriated before it does us any good. Nay, more, unless we can appropriate it, — unless we are, to a certain extent, in harmony with it, — it rather mocks than comforts us. One does not need to look far, nor to con- sider long, to perceive that a large part of holiday joys lies in making others happy THE NEW-YO — in being happy with others. That was a poor thanksgiving when the Pharisee thanked God that he was not as other men, and it always will be a poor thanksgiving to rejoice simply because we are blessed. It would be hard to imagine a more unhappy world for a decent man to live in than one in which he alone was happy. There may be a good deal of make-believe and cant in the ordinary talk about living to make others happy, and prob- ably very few make that the sole, or chief, aim of life, but a man would need to be far gone in selfishness who could enjoy a feast with starv- ing men looking on. If a man is not happy in looking back and looking forward, in considering his own pros- pects and those of his family, let him consider whether he is doing his duty toward them and toward himself in the matter of life insurance. Do they need its protection now ? Will you need its help in the shape of an endowment if you live to old age ? If so, do not expect to be happy until you do your duty. ENDOWMENT INSURANCE FOR BUSINESS MEN. IT is not necessary " to suppose " cases in order to show that life and endowment pol- icies are among the most beneficent agencies that men can employ for securing their families and themselves from the dangers of adversity. The large sums paid by life companies every month, as death-claims and matured endow- ments, are continual illustrations of the wisdom of those proverbs which warn men to prepare for adversity while they are prosperous. We are inclined to think that writers gener- ally fail to give due prominence to the value of endowments. The life policy pleads its own case. A mother and children, left without the means of support, presents a spectacle so piti- able, and one that reflects so clearly the im- providence of the husband and father, that life insurance as a protection to the family ought not to need any special eloquence to plead its right to recognition and patronage. But all that can be said in favor of life insurance proper can also be urged in favor of endowment insurance, except that the RK ALMANAC. 41 former is the cheaper, and there are additional advantages in the endowment policy which more than compensate for the additional outlay. Remembering what, and how great, the ad- vantages of a life policy are, the perfect security of the family, in the sum of the full face of the policy, from the moment the first premium is paid, let us note some of the additional advantages of the endowment form. First, there is definite- ness in the number of premiums to be paid, if the insured outlive the endowment period ; second, definiteness in the amount of a paid-up policy, in case one should ever be wanted ; and third, certainty of the money coming to the insured himself, should he outlive the period for which he insured. These are certainly great advantages. It is pleasant to know the extreme limits of one's contract ; to feel, as the years go by, that with every premium paid there remain only a certain and definite num- ber to be paid ; and certainly nothing could be more delightful than to survive the perils of one's endowment period, and receive the money on his own policy. How many men we all know who have been fairly prosperous all their lives, have spent large sums of money first and last unneces- sarily, who now think of nothing so much as how to keep up a respectable appearance in the world, and make both ends meet at the end of the year ! They put all their accumulations into business and houses and furniture, and lo ! they are not. Consider, now, you who know their former resources, how easily they could have taken $5000 endowment policies twenty- five years ago ; and then remember that you have now the inestimable privilege of profiting by their experience. Once to every man and nation comes the mo- ment to decide, In the strife of truth with falsehood, for the good or evil side ; Some great cause, God's new Messiah, offering each the bloom or blight, Parts the goats upon the left hand, and the sheep upon the right, And the choice goes by forever, twixt that darkness and that light. — J. R. Lowell: "The Present Crisis." 42 THE NEW-YORK ALMANAC. Till] WORK OF A SINGLE Y EA R. r pHE work of the New-York Life Insur- ± ance Company during 1880 was of such magnitude and importance as to justify a some- what extended reference — indeed, an article of readable length can only touch upon a few of the most important features of the Com- pany's operations. First, there was the secur- ing of about ten thousand applications for insurance, and the acceptance of over six thousand new risks, covering insurance to the amount of over eighteen million dollars. The low mortality rate of the Company results from the scrupulous care exercised in the acceptance of risks ; and although it may be a misfortune to those whose applications are declined, it is of great importance to those already insured and to those now insuring. The general satisfaction of old policy-holders is well attested by the fact that only 785 in a membership of over 45,000 surrendered their policies during the year. The income of the Company was nearly nine million dollars. There were nineteen companies doing business in the State, none of which had assets to the amount of the New- York Life's income. The interest receipts of the New- York Life were greater than the assets of any one of five that could be named. Of the six millions and more of premium receipts, only the comparatively trifling sum of $34,228.23 remained in the hands of agents at the end of the year. The receipts from inter- est, rents, etc. amounted to over five and a half per cent, on the average assets, and, at the end of the year, the amount accrued and unpaid — part of it not yet due — was less than one per cent, on the Company's investments. Such an interest rate and such promptness in payment can only result from investments of an unu- sually high character ; and the picture of solid worth and prosperity is rounded out to com- pleteness when we remark that the market value of the Company's bonds and stocks was nearly two million dollars in excess of their cost. The payments to policy-holders were in keeping with the foregoing ; nearly two mill- ion dollars in death-claims, over half a million in endowments, and over two millions in annuities, dividends, and surrender values, making a grand total of four and one-half mill- ion dollars, lacking $108.76. The payments in death-claims and endowments alone aver- , aged over seven thousand dollars for every ! working day in the year, and the number of claims settled was about nine hundred. Every day some household that death had darkened was made brighter by the timely proceeds of a life policy, and some other, that death had spared, was enriched with the proceeds of an endowment policy that had been a protection and a comfort during all the years of its existence. The cash cost of the policies paid as deatlr-claims was over a million dollars less than the amount received by the assured. But, meanwhile, running policies increased in value, and more money must be on hand to provide for their ultimate payment. How did the Company stand in respect to its liabilities ? Assuming that it would receive in future only four per cent, on its investments, providing in full for all liabilities, and assuming a death-rate greater than that previously experienced, and greater than assumed by the State in valuing its policies, and the Company's surplus was $4,295,096.99. Surplus is the key-stone that supports the arch of a life-insurance struct- ure, but this depends on the principle by which liabilities are computed, which is often lost sight of. According to the mortality table used by the Massachusetts Insurance Depart- ment, the surplus of the New-York Life is, on a four per cent, reserve, $809,498. 79 more than the amount given above, and if four and a half per cent, interest (the legal standard in this State) be assumed, the Company's surplus is $9,252,567.35. With securities of the high- est order, and such a surplus upon conserv- ative estimates, it would be difficult to imagine anything more secure than a policy in the New- York Life. She doeth little kindnesses, Which most leave undone, or despise: For naught that sets one heart at ease, And giveth happiness or peace, Is low esteemed in her eyes. — J. R. Lowell: " My Love." THE NEW-YO LIFE INSURANCE AND MORTGAGES. IT is hardly too much to say that no man whose property is mortgaged ought to rest easy until his life is insured for an amount suf- ficient to pay the incumbrance. In most cases the mortgage represents no more — usually much less — than the man expects to earn and save before he dies. He buys a house in the city for a residence, or a farm in the country, with — as he supposes — much of life yet before him. It does not trouble him that he cannot pay for it in cash. It gives zest to labor to be working for an end. He is rearing a family and providing a home. His house or his farm may be mortgaged, but he is paying it off in installments, or saving money to pay it all at once. He intends his family shall have at least so much that they can call their own. But suppose, in the midst of his planning and working, the man dies. The income of the family is largely diminished, or, perhaps, ceases entirely. Now, if the home were paid for, or the farm were free from incumbrance, there would be a base to work from and a hope for the future. But with a mortgage hanging like a mill-stone upon a family, be- reaved of its chief worker, what can be done ? The interest must be paid. Perhaps a part of the principal is also due. The family cannot carry the burden. They must sell, or be sold out at sheriff-sale. Their equity in the prop- erty is the savings of years, but how little is realized from real estate sales that must be made / The home or the homestead is gone, and there is but little left, and the question presses daily and hourly, What shall the mother and children do for a living ? How different the result where a man car- ries enough insurance to pay off his mortgages ! His life ceases, but the work he expected to do goes on. He has secured his family against the total loss of this money-producing power, by insuring his life. With the proceeds of his policy the mortgage is paid, and the home he expected to earn for his family is theirs. So much is secure, and with this to stand upon, the future is not altogether dark. The cost of insurance is not so great that it RK ALMANAC. 43 ought to be a bar to securing a protection so com- I plete. Better buy a cheaper house or a smaller ' farm, if necessary, and make sure of it. The rate of interest has recently been reduced in this State — a mortgage is not so expensive as formerly by one per cent. Add two or three more per cent, to this, according to your age, and you have enough to insure your life for the face of the mortgage. Then, instead of paying six per cent, interest, and running the risk of losing all, you pay, say ten, and keep up an endowment policy that will guard your investment, and by and by lift the mortgage. How can a man make himself and his family secure so easily, and pay off his mortgage besides ? AX OBJECTION TO INS1TR- ANCE CONSIDERED. THE objection is sometimes made to life- insurance that it is a distrust of Provi- dence, and occasionally one of the best of women will object to her husband carrying a life policy. We confess to a very tender feel- ing toward such, for it is a good thing when a woman has respect for trust in Providence, and if she were selfish and unloving, she would not be troubled about the receipt of money on a husband's life policy. But we believe — nay, we are sure — the objection springs from an imperfect consideration of the principle of life insurance; let us, therefore, consider the matter a little in detail. Planting and sowing and laboring for future gains are not usually considered as implying distrust in Providence. Indeed, the good Book is full of precepts which enjoin the duty of industry and self-denial, with the expectation of future rewards, both of a temporal and spiritual nature. In short, it is the order of Providence to labor in faith, and expect the reward of labor by and by. Unnecessary worry and anxiety about the future are forbidden, but reasonable prudence and forethought are commanded. Surely man may be allowed to do by the exercise of his reason what animals do in pursuance oi an inborn instinct — viz., make provision for the future. 4 l THE NEW-YO RK ALMANAC. But it is said that life is in the hands of God, and therefore not to be made the basis of a business contract. No more than every- thing else is in the hands of God, for are we not told that, even in the matter of buying and selling, and getting gain, we arc to say, " if the Lord will " ? If we look at the principle of life insurance, we shall also see that it fulfills, in a literal sense, the Scriptural injunction to " bear one another's burdens." A man's risk of death is a burden that may crush his family, therefore he should bear it by paying for it. If it is right to bear the burdens of others, surely it cannot be wrong for them to permit their burdens to be borne. Yet that is just what one practically does who refuses the benefits of life insurance. There is another sense in which it is a woman's duty to encourage life insurance: her children need its protection. We feel sure no stronger appeal can be made to a mother's heart than that which relates to the good of her children. It may be that she would pre- fer poverty for herself rather than live com- fortably on the proceeds of a life policy: but she has no right to make such a hard choice for her children. That would not be bearing their burdens, but compelling them to bear hers. So, if any wife and mother feels it to be a sacrifice on her part to consent to her hus- band being insured, let her consider for whose sake she makes it, and whether it is not a duty. It is surprising how events — especially death — change one's feelings. After the death of a husband, the wife is apt to reproach herself that she ever opposed his wishes, especially if she sees that they were wise and good. And, while she may bear patiently any hardship that her mistaken judgment brings upon herself, if it touch her children and his children, the thought of what is, and of what might have been, will be full of bitterness. Many a woman sits down in sorrow and in poverty, and bewails an irretrievable mistake, in this matter of life insurance, as bitterly as Esau bewailed the loss of his birthright. Let what has been be a warning, nor vainly im- agine that we shall be specially rewarded for what we mistakenly call trust in Providence. THIRTY-SIX ITEAB8' WORK. WHEN the New- York Life Insurance Comtany began business in 1845, life insurance in this country had not passed be- yond the experimental stage. True, the prin- ciples that underlie it are unchangeable, and the system is founded upon the most absolute mathematical computations ; but to adapt the system to the wants of men, to lead them to accept it, and to make it a practical power in their life-work — this had all to be done. Prejudice was largely against it, so was selfish self-interest. Public opinion had to be concil- iated and educated, and practical methods of administration sought out and put in practice, and beneficent results shown, before life insur- ance could make much headway. It is no wonder, therefore, that the New-York Life grew slowly during the first years of its ex- istence ; the greater wonder is that it grew at all. During the first ten years of the Company's existence it issued 10,215 policies, insuring $20,794,051, and received $1,954,442.82 in pre- miums, and $375,171.13 in interest. It paid in death-claims $757,398.09, and to policy-hold- ers in other ways — chiefly dividends — $373,- 105.78. The number of policies and amount of insurance issued during this time scarcely surpasses the work of one of the Company's later years, while the amounts received and disbursed are very much smaller than the sums now handled every six months. But a beginning had been made ; ground to stand on had been secured ; the good fruits of the sys- tem were already demonstrating what sort of a tree they grew upon. The Company had started right — as a purely mutual organiza- tion, in which all policy-holders had equal rights, and no one else had any. It was con- stituted of policy-holders, by policy-holders, and for policy-holders, and it served their pur- pose, and served it well. The second decade showed a great advance, both in business done and in methods of ad- ministration. Over 18,000 policies were issued, insuring over $50,000,000; over $6,000,000 ; was received in premiums, and nearly $1,000,- I 000 in interest. The payments in death-claims THE NEW-YO exceeded $2,000,000, and other payments to policy-holders were over $1,100,000. It was during this period— in i860 — that the New- York Life originated and introduced its Ten- Payment Life non-forfeiture policy — the first step in making all policies non- forfeitable. The importance of this feature will be seen in some degree, when we state that, during the last ten years, policy-holders in American companies have received for surrendered pol- icies over one hundred and fifty million dollars. The principle has finally been em- bodied in the statutes of the State, though the provisions of the law are not so favorable to policy-holders as has long been the custom of the New- York Life. Twenty years of pioneer work had prepared the Company for the opportunities and for the dangers of the period of inflated business and values immediately following the close of the war. During the next five years more insurance was issued than during the preceding twenty ; premium receipts averaged over three million dollars per year; nearly $1,500,000 per year was returned to policy-holders, and the invested assets mounted up at a still higher rate. The next five years saw an increase over the preceding, the premium receipts being nearly doubled, and the interest receipts and payments to policy-holders more than doubled. This period closed with 1874, and in it occur- red the great financial crisis of 1873, fr° m which many life companies date their decline, and some their fall. The income of life compa- nies doing business in this State fell off be- tween 1873 and 1881 over thirty-six per cent., and the insurance in force over twenty-five per cent. The New- York Life, on the contrary, shows an increase in both items — which is true of no other prominent company — the increase in income being about seventeen per cent., and the increase in insurance in force about ten per cent. The six years ending January 1, 1881, were years of marvelous growth and prosperity to the New- York Life, notwithstanding the depreciation of values which, with all life com- panies, tested to the utmost the character of investments made during the period of infla- tion. The income of the Company and its dis- RK ALMANAC. 45 bursements to policy-holders were larger than ever, and the tenacity with which it held and increased its business has already been shown. Interest receipts largely exceeded the losses by death, and the accrued and unpaid interest has never amounted to one per cent, on in- vestments. The assets have gone on increas- ing at the rate of over two million dollars per year, and surplus in proportion. The progress made by the Company in 1880 was remarkable. Its income was the largest in its history,* the increase in assets and surplus greatest, the excess of income over expenditures the largest of any life company in the country. For a brief summary of the Company's work, during the thirty-six years ending January I, 1 88 1, see totals, etc., page 48. The endowment policy is specially desirable, because, among other things, all the family have an equal interest in it. It is a grand testimony to the unselfishness of husbands and fathers that they put so much money into ordinary life policies, from which they can never hope to derive any benefit except the satisfaction of having provided for loved ones. Many a woman who sheds tears over a life policy when it is first taken, or who objects to its being taken at all, would see in an endow- ment policy something the results of which her husband might, perad venture, share with her, and so the sling of painful suggestion would be removed. By linking the present weakness of wife and children with the far- away weakness of the husband and father, the endowment policy provides for both, and gives to each the privilege of laboring and saving for what may be a blessing to the other. Whene'er a noble deed is wrought, Whene'er is spoken a noble thought, Our hearts, in glad surprise, To higher levels rise. The tidal wave of deeper souls Into our inmost being rolls, And lifts us unawares Out of all meaner cares. — H. W. Longfellow: " Santa Filomena." * The Almanac goes to press too soon to take account of the business of 1881. 16 THE NEW-YO R K ALM AN AC. TAKTW; BACK A PRESENT. "TVTY watch needs cleaning, George," said 1VJL Mrs. Walters, as her husband rose from the breakfast-table. " I wish you would leave it at the jeweler's this morning as you go to town." " What, out of repair again ! " said George, as he lit his cigar. " Upon my word, that watch needs the most cleaning and repairing of any time-piece I ever saw. What ails it ? I think I'll give Harris a blowing up." " Why, my dear, it hasn't been cleaned in a year and a half. I broke the spring last win- ter by winding it too tight, but I have had it now five years, and it has only been cleaned three times. I thought, if we went to the country next month, I would like to have it reliable. If a watch doesn't keep good time, it looks as if one wore it simply for show." " That reminds me, Mrs. W., of what I have been thinking about for a week past — where, oh ! where is the money coming from with which to go to the country ? Business dull, expenses heavy, bank account low — that's about the English of the situation. Can't see a spare hundred dollars anywhere." " Well, then, we'll stay at home, of course, if we can't afford it. I didn't know as we were poorer than usual. Have you had any special losses lately ? " "Yes — or no, I haven't, either; that is, none in regular business; but some outside matters haven't turned out as well as I ex- pected. But I'll see. Perhaps we can get away for a few days, anyhow." " Will you take the watch ? " said Mrs. Walters, as George put on his hat. " Don't think I'd better; if we go away, we shall be obliged to economize wherever we can. This is Monday morning — a good time to begin." " I happened to meet Harris to-day," said Mr. Walters, on his return from business, " and mentioned the watch, and what do you suppose he said ? " " I can't imagine, I'm sure," said his wife. " I presume he told you, just as I did, that it had not been cleaned for some time." " Yes ; and he said something more, and more important. He says if I am dissatisfied with the watch, he will give me $100 cash for it — and it only cost $125, you know, and you have had it five years." " Why, George, you wouldn't want me to sell it, would you ? It is as good a watch as I want, in every respect, and your present, too ! " " Oh, of course, I don't want you to sell it if you don't want to; but I thought — well — never mind — nothing." " What did you think, dear ? Come, I must know. Are you really so hard pressed for money? You must tell me, or I shall think it worse than it really is." " Oh, it's nothing ; I can get along as far as business is concerned, but the vacation is what bothers me. We both need it, and I thought when Harris offered to buy the watch that, if you were willing, you might let him have it, and I would get you another next winter, when business gets better." Mrs. Walters glanced at her husband's care- worn face, and the struggle was over. " It shall be so," she said. " I can do with- out the watch better than you can do without a vacation." " I feel mighty mean about it, though, the more I think of it, wife. It seems like mak- ing a present and then taking it back." "Never mind," said his wife, gayly; "we'll enjoy our vacation, and when our ship comes in I'll have a new watch." Not just the thing, was it, reader, for a man who smokes and loses money in " outside vent- ures " ? looks a little mean. There's some- thing about taking back a present once made, under any circumstances less than necessity, that a sensitive man shrinks from. Suppose it had been a life policy / A life policy is a present to wife and children, when first taken, and con- sists of money already paid, and an agreement to pay other regular sums until maturity. To drop it, or sell it with the wife's consent, is to take back the present. It doesn't matter much whether a wife has a gold watch or not ; it may be a matter of the very greatest importance whether her husband's life is insured or not. THE NEW-YORK ALMANAC. 47 GUARANTEES OFFERED TO INTENDING INSURERS BY THE NEW- YORK EIFE INSUR- ANCE COMPANY. IT is an old Company, and is thoroughly established in public confidence, thor- oughly organized, and conducted upon methods that have stood the test of Experience. 2. It is a large and strong Company. It had over forty-eight thousand policy-holders, Jan- uary I, 1881, and assets to the amount of over forty-three million dollars. By the standard of the State, it had $127.39 in assets for every $100 of liabilities. 3. It is a purely mutual Company, with no capital stock, and no stockholders to share its surplus or interfere with its management to the detriment of policy-holders, to whom the Com- pany belongs and in whose interest it is ex- clusively managed. It furnishes insurance at current cost, with absolute security. 4. It is a liberal and progressive Company. It originated and introduced the non-forfeiture system of policies, under which, in the year 1880 alone, nearly nine million dollars was paid for surrendered policies by life companies in the United States. It anticipated the New- York State law on this subject, in time, by over nineteen years, and in liberality to the in- sured, by giving more paid-up insurance than the law requires. 5. It is prudent as well as liberal; it calcu- lates its reserve fund on the supposition that it will be able to realize only four per cent, inter- est, and thus keeps this fund much larger than is required by the law. Hence no unusual losses, or panic, or business depression can so reduce its surplus as seriously to embarrass the Company. 6. It is a solid and vigorous Company. Since the panic of 1873, it has held its business better than any other prominent life company. No other such company in the country had, during 18S0, both a larger income and a larger amount of insurance in force than in 1873. The increase in the case of the New-York Life was over nine per cent, of insurance in force, and over sixteen per cent, of income. 7. It has not only held its own at the most sensitive points, but has been rapidly growing in the elements of strength and permanence. During the last ten years, notwithstanding the , panic, the increase in assets and in interest income has been nearly three-fold, and the increase in surplus more than four-fold. 8. It has been a profitable Company to pol- icy-holders. Of the ninety-one million dollars received from them, the Company has returned to them and their families over twenty-two millions in death-claims, and over thirty-four millions in endowments, annuities, dividends, I and surrender values. The amount of its present assets, plus its payments to pol- icy-holders and their families, exceeds the sum received from them by nearly eight million dollars. 9. Its report for the year ending January I 1st, 1881, shows almost unparalleled prosperi- ty — a large increase in assets ; a large increase in surplus ; a large increase in premium re- ceipts ; a large increase in interest receipts ; a large increase in policies and insurance, issued and in force ; and a greater excess of income over expenditure than any other life company in the country. 10. Its securities are of the highest order. It had the lowest ratio of uncollected interest, ) January 1, 1881 (only about eight-tenths of one per cent. ), of any prominent life company, and : in striking contrast with some. 11. It is a fair-dealing Company. Its poli- ! cies are notable for their freedom from vex- > atious restrictions ; the customs of the Com- pany with respect to payments of premiums, etc., are plainly stated, and efforts are made to 1 encourage and to enable every honest policy- ! holder to keep up his policy. In the settlement of claims by death the greatest liberality con- ; sistent with justice is shown, as the grateful acknowledgments of hundreds of beneficiaries prove. By its liberal construction of the policy contract, in cases that might have been resisted on technical grounds, it has gained the reputa- tion of being "A NON-CONTESTING COMPANY." 48 THE NEW-YORK ALMANAC. THE FOLLOWING TABLE SHOWS THE Progkress of the New- York Life Ins. Co. IN THK Amount of Insurance Effected, the Income of the Company, the Sums paid to Policy-holders and their Families, and in the Sums Held and Invested for the Benefit of Living Policy-holders, during a period of Thirty-six years. Period, Dates Inclusive. No. of Policies Issued. Amount Insured. Premiums Received. Received from Interest, etc. 1845 to 1850, 6 yrs. . 1 85 1 to 1856, 6 yrs. . 1857 to 1862, 6 yrs. . 1 003 to I0O0, yrs. . ift^n f r\ 1 C -7 >i f\ vrc iojy iu 10/4, u yr>> . . \.oi*2 oou, yrs. . 6,522 4-893 7,749 37,7»o 54,548 37,692 $11,652,749 12,991,712 22,258,047 116,990,083 IDI,737,478 117,461,078 $670,207.73 1,953,102.82 3,027,735-56 H,33O,708.37 35,744,623.98 36,154,976.49 $29,432.65 263,247.53 6 1 7,689 . 64 2,093,800.61 6,953,369-JO 11,945,269.43 Totals 149,184 $443»09I,I47 $91,881,354.95 $21,902,808.96 Period, Dates Inclusive. Paid to Policy-holders in — Average Annual Increase of Assets in each Period. Death-claims. Dividends and Ret'd Premiums on Canceled Policies Endowments and Annuities. 1845 to 1850, 6 yrs. . 1851 to 1856, 6 yrs. . 1857 to 1862, 6 yrs. . 1863 to 1868, 6 yrs.. 1869 to 1874, 6 yrs. . 1875 to 1880, 6 yrs. . $188,583.62 881,079.32 I,IOO,78f .OI 2,884,734.03 7,680,254.22 9,699,842.84 $2,974.67 171,416.61 541,973 95 2,951,962.51 12,947,575.25 13,681.382.24 $3,569-84 12,993.87 138,105 .84 3,489,524.06 $3,644,193.61 $59,126 139,465 232450 1,402,429 2,724,641 2,639,211 Totals $22,435,275.04 $30,297,285.23 As this tnble is made up before the close of life, it dees not include the figures of that year. At the beginning of 1881 the Company's account with policy-holders stood as follows: Received from policy-holders in premiums $91,881,354.95 Paid to policy-holders and their representatives, as above $56,376,753.88 Assets held in trust for policy-holders, January I, 1881 43,183,934.81 Total amount paid policy-holders and now held in trust for them. . 99,560,688.69 The following tables show, in brief, the Compauy's condition at the beginning of 1881, and the progress made during the preceding year. CONDITION JAN. 1, 1881. Cash Assets $43,183,934. 81 •Divisible Surplus (Co's standard) 4,205,096.99 tTontine " " " 1,752,165.82 Total Surplus at 4 per cent. $6,047,232.81 Surplus by State Standard 9,252,567-35 Policies in Force 48,548 Insurance in Force $135,720,916 * Exclusive of the amount specially reserved as a contingent liability to Tontine Dividend Fund. t Over and above a 4 per cent, reserve on existing policies of that class. PROGRESS IN 1880. Increase in Premiums $643,794.41 Increase in Interest and Rents 284,233.84 Increase in Assets 4,180,982.15 Increase in Divisible Surplus 1,174,725.51 Increase in Tontine Surplus 380,683. C4 Increase in Policies issued (over 1879) 1,422 Increase in Insurance issued " $5,131 : 806 Increase in Policies in Force 2,843 Increase in Insurance in Fcrcc $8,309,153 Excess of Income over Expendit's, 3, 1 58,689 , 1 7 Excess of Int'st over Death-losses, 586,167.47 During- the last twenty years the interest received by the Company on its invest- ments has more than paid its death-losses. At the beginning of 1881 the amount ot intcrest uncollected, including that accrued but not yet due, was less than one per cent, on the investments of the Company — this promptness in payment of interest showing the high character of these investments. These features of its business have been wide*ly noticed by the press as evidences of extraordinary prosperity, and of great skill and energy in management. 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It will help you to make money and spend it judi- ciously. You cannot afford to do without it. Send for specimen copies, which will be mailed free. Compare it with other journals and subscribe for the best. $2.00 PER YEAR, Post-paid. Trustworthy Market Reports from all Centers A Specialty. Special Departments, devoted to the New s of the Week, to Women, to Domestic Economy, to Religious Matters, Fashions, Lit^ature. THE RTJRAL'S Next Seed Distribution IS BRIEFLY AS FOLLOWS: 1st, The Rural Heavy Dent Corn. The heaviest weight of kernel and ear. One hundred and seventeen bushels of shelled corn per ac-e on 50 acres. So certified to. 2d, Rural Thoroughbred Flint Corn. Raised in the Rural family for 26 consecutive years. Longest ears, 16 inches. 3d, Wysor's Cross-bred Fultzo-Clawson Wheat. The largest kernel of any wheat in cultivation, so claimed. Hardy, disease-resisting, prolific. 4th, Surprise Wheat. Four kernels in a breast. Very prolific and hardy. At the rate of 72 bushels per acre has been raised on small plots. 5th, Shumaker Wheat. Early, prolific, and hardy. 6th, Challenger Lima Beans. Seed selected through three generations. Often six beans in a pod. Double the yield of any other Lima. 7th, Perfection Golden Heartwell Celery. Several hearts to a stalk. 8th, The Perfect Gem Squash. A marvel of productiveness. Fine-grained, sw eet, dry — combining the excellence of both the summer and winter squash. 9th, Rural Chater Hollyhock. A perfection flower. Three feet of brilliantly colored rosettes — white, lemon, buff, rose, red, crimson, maroon, and nearly black. All except three never offered for sale. $2,000 worth of Valuable Presents from leading- men of the country for the best yields from the Rural Dent and Thoroughbred Corns, and Wysor's Fultzo-Clawson Wheat. Address RURAL NEW-YORKER (for specimen copies, which will be sent to all applicants free), 34 Park Row, N. Y. PIONEER SUNDAY JOURNAL OF AMERICA. THE SUNDAY MERCURY. ESTABLISHED 1839. Pifty-Hix C'olmiinis of h.jntovtainiiisr Iioatlini; flatter W < * < * ly . for Two DollttFS per Annuin. THE NEW-YORK SUNDAY MERCURY, Having the largest circulation of any Sunday newspaper in America, is mailed to all parts of the world for Two Dollars per annum, or One Dollar and Twenty-tne cents for six months, payable in advance. WM. CAULDWELL. Proprietor, No. 3 Park Row, New-York. Staten Island Fancy Dyeing Establishment Office, 5 Hi St., New-York. 17 North Elffhtli St., Philadelphia. 879 Fulton Street, Brooklyn. 110 West palthnore *(., Baltimore. Dye. Clean* and Beflalall Dress floods and (iarmcnK Ladies' Dresses, Cloaks, Robes, etc., of al! f'abricH, and of the most elaboiate styles, cleaned or dyed successfully without ripping. Gentlemen's Garments Cleaned or Dyed whole. Curtains, Window Shades, Table Covers, Carpets, etc., cleaned or dyed. Employing the best attainable skill and most improved appliances, and having systematized anew every depart- ment of our business, we can confidently promise the best results and unusually prompt return of goods. Goods received and returned by express and by mail. BARRETT NEPHEWS & CO. 5 & 7 John St. New- York. JM)uTi|cf)cs IMfisfiftttt, 1 CHAMBERS STREET, New-York City. The onlyGerman Catholic Paper published in New- YorkCity, AND ONE OF THE BEST ADVERTISING MEDIUMS. Kinds of Policies Issued by the New-York Life, And the Special Advantages of Each, I. Ordinary Life Policies. ON an Ordinary Life Policy, a certain pre- mium is to be paid every year until the death of the insured, when the policy becomes payable to the person or persons named in the policy as the beneficiary or beneficiaries. Special Advantage. — This kind of policy gives more insurance, for the same sum of money paid annually, than any other, though it may be necessary to continue the payments longer, as according to its terms the payment of the premiums annually is to be continued during the life-time of the insured. But their sum rarely equals the face of the policy. II. Limited Payment Life Policies. On a policy of this kind, premiums are paid annually for a certain number of years, fixed upon at the time of insuring, or, until the death of the insured, should that occur prior to the end of the selected period. The policy is payable on the death of the insured, when- ever that may occur. Special Advantage. — The payments on this class of policies may all be made while the insured is still young, or in active business ; then if he lives to old age the policy is not a continual expense, but, after being paid up, the dividends continue to increase the amount assured, or, upon application, they will be paid in cash. III. Endowment Policies. An Endowment Policy provides ( I ) insurance during a stipulated period, payable, like that of any other policy, at the death of the insured, should he die within the period ; or (2), should the insured live until the end of the period, an endowment, of the same amount as the policy, payable at that time to the person insured. The premiums may be paid annually until the endowment is due, or they may be paid up in a shorter time, like those of Limited Payment Life Policies. Special Advantage. — The Endowment Pol- icy gives the insured the advantage of a limited term as to payment ; provides insurance dur- ing the period in which his death would cause most embarrassment to his family ; and if he lives to the stipulated age, the amount of the policy is paid to him at a time when he may need it. Dividends and Non- forfeiture Featnres. Upon these three classes of policies, divi- dends are declared and paid annually, begin- ning with the second year, if the policy is kept in force. Dividends are declared by the New- York Life in reversion — that is, a certain amount is added to the policy, and these re- versions participate in future dividends ; or, upon application, before a premium becomes due, reversions may be converted into cash and used in payment of premiums, thus reducing the cash cost of the policy. These policies are also by their terms non-forfeitable ; that is to say, after three annual premiums have been paid, they are exchangeable for paid-up policies of proportionate amount, without participation in profits, if surrendered in accordance with their terms. IV. Annuity Policies. An Annuity Policy secures to the holder the payment of a certain sum of money every year during his life-time. It is secured by a single cash payment. Special Advantage. — An Annuity Policy gives to a man who has a certain sum of money in hand the opportunity of getting the largest possible sum from it annually while he lives, without the risk and trouble of ordinary investments, and without the risk of being left penniless in his last years. V. Tontine Investment Policies. This policy combines in one form the great- est number of advantages obtainable in a life insurance policy. For full details, conditions, and information, reference is made to the pamphlets on this subject published by the Company. NEW-YORK NEWS PUBLISHING CO. I'UKLISIIKRS OF THI Daily, Weekly & Sunday News AND 'Ckkjo and Somttuij) )l ad) vicl)tcn . New-York Daily News Building, No. 25 Park Row. TO ADVERTISERS. The DAILY NEWS has the largest circulation of any daily published in the United States. The price charged for advertisements in the DAILY NEWS is not more, and in some cases it is less, than the price charged by journals which have not more than half or even one-third the circulation of the NEWS. Advertisements inserted in all editions without extra charge. The DAILY NEWS is now the Cheapest Advertising Medium in existence. The WEEKLY NEWS has a large circulation in every section of the country. Merchants, manufacturers, patent-medicine dealers, and all classes of business men, will find its columns a very valuable medium to advertise in. The SUNDAY NEWS has a large circulation throughout the city and along the lines of the railroads leading from the city. Advertisements inserted on liberal terms — at lower rates than in any other Sunday paper published, when circulation is taken into consideration. DIE TAGES-NACHRICHTEN has the largest circulation of any German daily news- paper published in the world. DIE SONNTAGS-NACHRICHTEN has the largest circulation in the city of any German Sunday paper issued. All classes of merchants and dealers who are seeking for German trade will find advertisements in the columns of the Tages and Sonntags-Nachrichten reach a larger number of readers than they would by any other channel. THE NEW-YORK Commercial Advertiser. THE OLDEST PAPER IN THE CITY. Established 1794. The Largest Circulation of any 3-cent Evening Journal, $9 per Year ; $4.50 for Six Months ; 75c. for One Month. AN EXTRA COPY FOR EVERY CLUB OF TEN. The Commercial Advertiser's facilities for gathering news, both domestic and foreign, cannot be surpassed. The transactions of the Stock Exchange, Mining Board, Produce Exchange, Cotton, Grain, Live Slock, and Real Estate Markets are given the day of their occur- rence, nearly twelve hours in advance of the morning papers. NO PAINS ARE SPARED TO MAKE The Commercial Advertiser a Home Newspaper. Address, HUGH J. HASTINGS, p. o. box 304. I2 6 Fulton Street, New- York City. FRANK LESLIE'S PUBLISHING HOUSE, 53, 55, and 57 Park Place, New-York. TERMS TO SUBSCRIBERS-POSTAGE PAID. Frank Leslie's Illus. Newspaper (weekly) $4.00 i Frauk Leslie's Chimney Corner " 4.00 | Frank Leslie's lllustrirte Zeitung " 4.00 Frank Leslie's Boy's and Girl's Weekly.. 2.50 Frank Leslie's Sunday Magazine (monthly) 3.00 j Frank Leslie's Popular Monthly 3.00 Frank Leslie's Lady's Magazine ( monthly) 2.50 i Frank Leslie's Budget " 2.00 Frank Leslie's Pleasant Hours (monthly )$1. 50 Frank Leslie's Holiday Book (annual) 1.00 Frank Leslie's Illus. Almanac — " .25 Frauk Leslie's Comic Almanac..- " .10 Frank Leslie's Popular Monthly, Vols., bound in cloth, with ink and gold stamp... 2.00 Frank Leslie's Sunday Magazine, Vols., hound in cloth, with ink and gold stamp. . . 2.00 CLUB TERMS-POSTAGE PAID. Any person ordering Jive copies of either publication for one year at full rates (to be sent to different addresses ) will receive an extra copy to his address free. One copy Lady's Magazine and Illustrated Newspaper, one year $5.50 One copy Lady's Magazine and Chimney Corner, one year. 5. 50 One copy Illustrated Newspaper or Chimnev Corner and Budget, one year 5.00 One copy Illustrated Newspaper, Chimney Corner, arid Lady's Magazine, one year 8.00 One copy Popular Monthly and any one of our $4.00 puhlicacious, one year 6.00 One copy Sunday Magazine and any one of our $4.00 publications, one year 6.00 One copy Pleasant Hours, and any one of our $4.00 publications, one year 4.75 l^p 3 Our publications are always stopped when the term of subscription expires. It is not necessary to give notice of discontinuance. Specimen copies of all the Weekly and Monthly Publications sent on receipt of 30 cents in postage stamps, jjggp' In sending subscriptions, or corresponding, be careful to send name and address in full. We cannot change the name or address of a subscriber unless he gives us his former as well as his present address, also name of paper. J^p 3 Note. — The number or date with which a subscription ends is indicated on the printed address. In remitting by mail, send P. O. Order, Draft, or Registered Letter, payable to the order of FKANK LESLIE'S PUBLISHING HOUSE, 53, 55, and 57 Park Place, New-York. American Fire INSURANCE GO. OF NEW-YORK. [ORGANIZED 1857.] No. L*2( ) Broadway. STATEMENT, JULY 1st, 1881. CASH CAPITAL $400,000.00 Net Surplus 582,698.07 Assets (available for Fire Losses) $982,698.07 Unearned Premiums and other Liabilities. 110,921.90 TOTAL ASSETS $1,093,619.97 Policy-holders in this Company hair i HCI'eftSf'fl protedtOH under the guarantees of the New- York SAFETY FUND IjA under which, in case of an extensive conflagration, The Company cannot be destroyed ; The Company cannot go into the hands of a Receiver ; The Company can pay more to claimants than if not under the law; The Company can pay all claims promptly, saving the extraordinary delays and expenses inci- dent to a Receivership; The Company can and does protect every unburned Policy-holder — and this is of vital interest to Mortgagees and other collateral holders, who have uninterrupted indemnity. This Caw is of greater benefit to Policy-holders than any tver before enacted. JAMES II. BALSTED, Presldeat. DAVID A DEE, Sec'y. HENRY DAYTON. Ge»1 Ageat. W. II. CltOLlUS, Am*1 Sec'y. Importers and Traders INSURANCE COMPANY. Office 158 Broadway, New-York. STATEMENT JULY I, 1881. ASSETS. Bonds and Mortgages $23,450 United States Government Bonds 211,400 N. Y. Central, and Harlem Railroad Stocks 00,500 Bank Stocks 18,000 Cash on hand and in Bank 3,453 Interest accrued 2,593 Premiums Unpaid 18,254 Demand Loans 14,000 8348,255 LIABILITIES. Capital Stock $200,000 Unpaid Losses 10,500 Re-Insurance Fund 45,000 8 255,500 Surplus 892,695 DANIEL A. SMITH, Secretary. JOSEPH BROKAW, President. LONG ISLAND INSURANCE COMPANY. 203 Montague St. 176 Broadway, BROOKLYN. NEW-YORK. JULY, 1881. Capital $300,000.00 Re-Insurance Reserve and Liabilities 78,339.14 Net Surplus 167,702.01 Assets $546,011. IS JONATHAN OGDEN, Vice-President. W. L. CORTELYOU, Pres't. HENRY BLATCHFORD, Secretary. Incorporated 1836. CITIZENS INSURANCE COMPANY OF NEW-YORK. No. 156 Broadway. This Company has passed through all the great conflagrations of over thirty years, without impairment of its Capital or omitting a Dividend to its stockholders. Cash Capital $300,000.00 Reserve for Unearned Premiums, Losses, and other claims 190,220.86 Net Surplus 481,487.09 Cash Assets, July 1, 1881 $971,707.95 EDWARD A. WALTON, Vice-President. JAMES M. McLEAN, Pres't. FRANK M. PARKER, Secretary. miamw. W3 Thirty-seven Years' Business Experience. NEW-YORK LIFE INSURANCE CO. PURELY MUTUAL. DIVIDENDS ANNUALLY. Surplus, New-York State Standard, over $9,500,000. AGE. STRENGTH. CAREFUL MANAGEMENT. 30,000,000 Paid to Policy-holders. CASH ASSETS, OVER 50,000 Policies in force. ANNUAL INCOME, OVER $9,000,000 $45,000,000 The Company's Home Office, 346 & 348 Broadway, New- York. THE NEW- YORK LIFE INSURANCE COMPANY has been doing business for thirty- seven years, and now offers to those desiring life insurance a Combination of Advan- tages which only long experience, a large and well established business, and carefully perfected plans and methods can afford. Among these advantages are: (1) The absolute Security of its Policies. (2) Insurance at Low Cost. (3) Liberal and Equitable Dealing. Having always been a purely mutual Company, policy-holders receive their insurance at current cost, and its age, strength, prosperity, and economical management combine to reduce that cost to the minimum. The Company is conducted in the interests of policy- holders alone. In the decision of questions involving their rights the invariable rule is to consider, not the technical legality of the claim alone, but also its real justice. The non-forfeiture system of life insurance policies originated with this company in I860, and has since been adopted— though sometimes in questionable forms— by cJl other companies. This feature saves millions of dollars every year to policy-holders, and for this they are Indebted primarily to the NEW-YORK LIFE. The system as now perfected by the NEW- YORK LIFE secures Safety to the Company (without which all interests are jeopardized), and Justice to the insured. MORRIS FRANKLIN, President. WILLIAM H. BEERS, Vice-Pres. and Actuary. THEODORE M. BANTA, Cashier. CHARLES WRIGHT, M. D. \ Medical D. ODELL, Sup't of Agencies. HENRY TUCK, M. D. 5 Examiners.