OF NEW YORK. tr MUTUAL LIFE INSURANCE to." RicEARD A. McCURDY, President. ‘ INCOME. Received for Premiums . . . . . From all other Sources . . ntSnuESEETENTS. To Policy-holders for Claims by Death . . . To Policy-holders for Endowments, Dividends, etc. . For all other Accounts . . . . . \ ASSETS. United States Bonds and other Securities . . First Lien Loans on Bond and Mortgage . . . Loans on Stocks and Bonds . . . . Real Estate . . . . . . cash in Banks and Trust Companie . . . Accrued- Interest, Net Deferred Premiums, etc. . . Reserve for Policies and other Liabilities . . Surplus . . . . . . Insurance and Annuities in Force . . . latched for the Year Ending Dec. 31,’97. a According to the Standard of the Insurance Department of the State of New York. $42,693.20! 99 11,469,406 24 I$54.162.608 23 $13,279,630 66 12,712,424 76 10,132,005 57 $36,124,060 99 $132,017.34! 45 69.423.937 31 12,880,308 00 21,618,454 88 11,705,195 82 6,141,200 20 $253,786,437 67’ 218,278,243 07 $35,508,194 59 $936,634.496 33 Ihave carefully examined the foregoing Statement and find the same to be correct; liabilities calculated by the Insurance Department. ‘ CHARLES A. PRELLER, Auditor. From the Surplus a dividend will be apportioned as usual Report of the Examining Committee. ' I Office of the Mutual Life InsuranceGompany of New York. \ i To THE HONORABLE, THE BOARD OF TRUSTEES or , THE MUTUAL LIFE INSURANCE COMPANY OF NEW YORK. The undersigned, a Committee appointed by your honorable body, on the twenty- second day of December, l897,to examine the Annual Statement ofthe Company and to verify the same, respectfully~w REPORT That, pursuant to the power and authority thereby conferred, the Committee have, at various dates between the date Of the said reference and the date of this Report, attended at the Oflice of the Company, and have been waited on by the Treasurer, the Comptroller,the Auditor, and the Cashier, together with the respective assistants of such Officers and have carefully gone over all the items contained in the said Statement, and have found the same to be corrc ct. Thev have examined and counted every certificate of stock, bond and other obligation held by the Company, and compared the prices at which the same are carried in said Statement with the market quotations, and find the same not exceeding such quotations—in fact, in many cases below them. They have examined and counted the bonds and mortgages on real property held by the Company, and find the same to be as stated. They have also verified the valuation of the 00m. pany’s holdings of real estate and have verified the deposits of money in the various banks and trust companies, and have counted the cash on hand held by the Cashier. And the Committee certify that all the'books, papers, documents, and evidence of title of every description neces- sary the same are accurate, in good order, and well kept. in such examination have been freely submitted to the Committee by the said Officers and their assistants, and that " And the Committee further certify that the investments of the Company are of a high order, and that the system and methods adopted by the Company in recording its transactions and caring for the assets are entitled to commendation CHAS. R. HENDERSON S. V. R. CRUGER All of which is respectfully submitted. NEW YORK, January 21, 1898. ELBRIDGE T. GERRY J. HOBART HERRICK ‘ JAMES C. HOLDEN A. N. WATERHOUSE Board. of Trustees- HENRY H. ROGERS JNO. W AUCHINOLOSB THEODORE MOREORD WILLIAM BABOOCK STUYVESANT FISH _ AUGUSTUS D. J UILLIABD CHARLES E. MILLER- WALTBR‘B GILLETTE H. WALTER WEBB- FREDEBIO CROMWELL J ULIEN T. DAVIES A. N. WATERHOUSE , S. V. R. CBUGER CHARLES R. HENDERSON Burns W. PECRHAH J. HOBART HERBICII Wu. P. DIXON | ROBERT A. GRANNISS SAHUEL D. BABOOCK RICHARD A. MCCURDY J Anne C. HOLDEN HERNANN C. VON Pos-I- WILLIAM J. SEWELL OLIVER HAHRIHAN ROEEET OLYPBAN'I' GEORGE F. BAKER DUDLEY OLCOTT GEORGE G. HAvEN ADRIAN ISELIN J R. GEORGE S. BOWDOIN WILLIAM C. WHITNEY WILLIAII ROCKEEELLED JAMES N. JARVIE CHAS D. DICKEY JR ELERIDGE T GERRY" J AMEs SPEYEB) ROBERT A. GRANISS,-Vic’e-President. WALTER R. GILLETT as... . ISAAC F- LLOYD. 2d Vice-President E’ " 1 Manager WILLIAM J. EASTON, Secretary. _ ‘ ._ .. . FBEDERIC CRCMWE ‘ TI i s; JOHN A. EONDA, AssistantTreasur'er. - " " LL" mm" " EDWARD P.-I HOLDEN, WILLIAM F. SANDS, Cashier. EMORY MCCLINTOCK, Actuary. .. 4 JOHN TATLOCK, JR, Assistantfikfbtuary. . CHARLES A, PRELLER, Auditor. ‘ . I .7 DUER du-P. TBRECK, Corresponding Secretary ALBEltDKLAMROTH, Assistant Secretary. ' JAMES TIMES-ION. 2d Assistant Treasurer. Assistant Cashier. WILLIHM W. RICHARDS, Comptroller. o. CLIFFORD GRETSINGER, Assistant» Auditor; Edwin. BROWN, Assistant Comptroller ' JOHN G. ELLIOT, Superintendent ofloinestic Agencies. EDWARD LYMAN SHORT. General Solicitor. MEDICAL Dmnorons: ELIAS J. MARSH, M. D' . G. S. WINSTON M. D. Consulting. GRANVILLE M. WHITE, M D. whiteness a stunner, Seneca! Agents. A. H. cane, nossi Assist. ,nocent sunshine in his face. ' SILENCE IS GOLDEN. Much obliged for what you haven't said, For words sometimes are like en- venomed darts; interspersed between the lines, I’ve read, Unwritten words—a balm for wound- ed hearts. And, ,Much obliged for what you haven't \ said; “I told you so" would rankle now like sin; if eyes could kill I should be lying dead. If lips sho'uld ope‘ the de'il would walk in. . Much obliged for what you haven’t said; Unspoken words are words that I ex- tol. if once let loose to fall like molten lead. . They scar and burn deep scars unto one’s soul. "A word that’s fitly spoken" (I have read), “Falls like sweet dew upon the wounded breast;” But silence is so rare and after all is done and said, There’s nothing half. so good as giv- ing one a. rest. MAY HOWELL BEECHER. AN OBJECT LESSON. “There being no fair ’uns present," began the fakir in the preliminary cant-er of his tongue, “it ain’t neces- sary for me to say ‘Ladies and gents.’ [ just want your attention for a mo- ment, gents; just one minute. I have here a pieceof everyday chalk, and I want to show you what a chunk of chalk can do. You can’t forge, no bank check with it no more than I can. But I can draw some quick plc- tures with it on the sidewalk if you watch me with one eye and keep the other on the cop.” By this time ‘the crowd surrounded the fakir five or six deep and the sa- loonkeeper in front of whose shop the. gathering anchored, to use a West street expression, came out to the gangway of his deserted saloon and shouted: “Clear out, you! I've got no water to waste cleaning up your mess.” And some of the crowd began to move, but were held back by the re- mark of the cruising artist: “That’s all right, shipmate. I’m an old 'tar, and has had many a cargo of grog alongshore. I’ll knock Off if you howl, but I promise to swab off your deck if you lets me fire ahea .” Without waiting for the permission, the stranded fakir stooped over and made a long mark on the sidewalk with the chalk, standing in the gutter as he did so. “He’s a nasty shark,” he remarked in confidence to his audi- ence. “Now, gents, I’ll draw a picture of my host, the boss of the tavern.” And he did, quickly and well. There was the bloated owner, with his great beam and soiled white apron. There was the open door, leading to the ill- smelling bar, and the beer Sign on the wall outside, showing a two-wasted schooner sailing up the East River under ‘the Brooklyn Bridge. with an immense glass of foaming lag-er rest- ing on the deck between the fore and main masts. The crowd had swelled to such proportions now that all gang- way on the sidewalk was cut off, and the proprietor could not see what the fakir was drawing, not even between the legs of the big crowd. “Now,” resumed the wielder of the chalk, as he and the crowd shifted their berths to a cleaner stretch of sidewalk nearby—“now I’ll draw you‘ a picture of a school lad.” . There he was, after a half 'dozen or perhaps more strokes of the chalk. A lad fair to look upon! Long, curly hair, a sweet, Open face, neat boozs and a trim rig. A bundle of books un- der his arm. and the reflection of in- A few more dashes of the chalk, with a change of moorings, and it was seen that the figure of the saloonkeeper on the sidewalk was Offering the lad a glass of that same foaming lager which the schooner with all sheets lifted was rapidly carrying up stream. “That's the schoolboy,” announced the faklr. “Just one more, gents, and I’m Off." ' ‘ Another shift to .a. clean piece of sidewalk, a hasty dash of the chalk and the figure of.a health-shattered, ragged. unkempt thing loomed up on the sidewalk. A bottle or rum showed up from one of the tattered pockets, the head was hatless and the feet were partly concealed by a miserable pair of shoes that were worn and cut in a dozen places. Again the chalk flashed on the sidewalk and it was seen ,that the saloonkeeper was driv- ing the emaciated creature from his door. . “That's the schoolboy again,” said the artist pointing at the miserable wr'ecch on the sidewalk. .“That’s the schoolboy, but his books and brains is gone, and so is his manhood. Don’t be afraid to contribute, gents. This ain’t no temperance lecture, nor it ain’t no treat for' me unless you pony up.” , But it was both. The sidewalk is clean now, and to his dying day the thick-skinned saloonkeeper may never . be able to understand why that crowd looked at him an :hard as it moved away. “I wouldn’t .mlnd," said he to a crony that night, “but that fellow promised to clean Off the sidewalk and he didn’t keep his word. Do you . , , or to fill up beds without further dresso think he was making fun of me‘when he drew them pictures?” ‘ “Blamed if I know," said the bleary- eyed 'man' in front of the bar. “Give us another drink and don’t bother me with your troubles.e I have some of my own." ' And he had. ‘ 1...}. E NEW YORK FASHIONS. Womankind in general is interested in her fall and winter wardrobe at this season of the year, and suitable gowns and wraps are in order, an elaborate assortment of all; kinds of wearing apo parel having been liberally provided to meet the demand. , ’ . Many prefer to wait until the winter modes are practically settled before in- vesting in an outfit, and the 'ngns de- signed ln the spring of light weight wool and silk, and‘put away during the hot spell come in handy at this time. winter’s costumes to fall back upon, there are any number of ways this au- tumn of altering and renovating these frocks so as to pass over the interval between fall and winter fashions. Now that the combination of two contrasting colors in a gown is again fashionable, the economical woman mayturn out a. stylish and up-to-date costume by employing the materials Of two half-worn gowns, or combining new material with the Old. Before starting to work, however, all the goods should be well cleaned and pressed, and a stock of new linings laid in, as old or washed linings tend to spoil and give a tawdy appearance to the prettiest dress. ' There are any number of simple recipes for cleaning woolen and silk fabrics, which usually work wonders in the art of renovation. Naphtha, French chalk and magnesia are all ex- cellent stain removers, but when ben- . nine or naphtha is employed care should be observed in applying it and it is better to try it. first on a small piece of the goods. Above all things these mixtures should be kept out of the reach of children and at a safe dis- tance from the light or fire as they are apt to explode if brought in contact with heat. Flue flour or cornmeal is a. simple and efiicaclous method of reno- vating white woolen goods. and the process consists in burying the mate~ rial in the substance for twenty-four hours. Velvet, which promises to be exten- sively employed this season on gowns. and hats, may be made to regain its former loveliness by holding the wrong side over a pan of boiling water and’ brushing the nap up with a whisk broom as the steam does its work. An- other mode of brightening velvet is to dampen it on the wrong side, and then stretch smoothily across the face of a hot iron. The former method, how- ever, is the safest and best. . Now for making over the materials. The first necessity is a good up-to-date pattern. This together with some fresh trimmings and an artistic touch is the groundwork of a pretty and fashionable toilette. As the circular sheet with the close fitting upper por- tion is the correct skirt of the moment, this may easily be obtained by employ- ing the top part of last season’s frock and making the shaped fiounce of some contrasting color, headed with a bias or satin fold. It may be necessary to purchase new material for the fiounce, but if one possesses another half-worn frock it would be well to rip it up, have it dyed a contrasting color to the first gown and then use this for the llounce and trimmings. ' The blouse bodice may be easily made over to conform to .the latest mode, with yoke or gulmpe effect of some pretty silk, with high tucked, stock collar and girdle belt to match, or boleros, either round or square which are now so much in vogue might be made of the cloth, with the entire vest of silk or some other pretty fabric. The sleeves must' be altered to accord with the prevailing style, and may be adorn- ed with a small cap or epaulet if de- sired to Offset the very severe effect of these skin-tight models. The next item of importance in the autumn outfit is the 'hat or bonnet to be donned on dressy occasions. Straw hats are now worn quite late into the autumn, especially those of black. while the yellow satin straw hats, which have been worn through the summer adorn- ed with filmy chiffon and pink roses make very attractive fall models trim- med with black ostrich tips and, velvet ribbon of the same color; The prevail- ing style just now being to have the hats worn directly on the face, a good plan is to have the but turned back in the front, with the feathers arranged to droop gracefully from the left side hat is simply encircled with black vel- vet ribbon finished ln the back with a smart bow. A few rich red roses rest- ing on the hair beneath the brim in the back gives a pretty effect, but may be dispensed with. A woman thus attired in a resovated frock, a pretty hat and immaculate shoes, gloves and veil presents quite as dainty and stylish an appearance as her sister more liberally endowed with. this world's goods, arrayed in the latest importations from Paris. ‘To Keep Feathers. Feathers that are plucked‘ fowls, ducks, and geese should. be put into a dry wooden tub and kept. free from damp until they dry; when the little quills are quite dry, they should [be put into large paper bags and hung ' up he warm dry plate; they must be put in lightly, not packed together. If allowed to hang thus for a few months, they may be used for pillows lug. _ if, nted for,,lmmedlata use. they "must. . is putivin'uncOol, oven for several _' hour's [fjnvefore putting ‘th em in pillows, &c.-,.thie’y should ‘be'lOOked and the tips of manualsEur-treats.- -mediiim size one}: inseam ’onu may 1 ‘ _ ope r .‘ ’v_.. .‘ .. ,. But for the woman who only has last ~ if preferred one of the popular little' of the brim. while, the crown of the from ‘ _ 4 , wn‘ AND illusion. . A rich-but ignorant lady, who’s-mil a style, in speaking of a friend said, “He is a paragram of politeness.”- ' lelogram?” , “Of course, I do!” immediately rm plied this lady. “How could I have made such a mistake?” ‘ “’Do you court an investigation?” in- quired the interviewer. » “Well,” said Senator Sorghum, slows 1y, “I don’t exactly like the phrase. I'm willing to meet an investigation if circumstances make it necessary. But I ain’t maki-n’ love to lt.”—Wash— ington Star. , _ TW‘ Hogan—“Oi wonder who will bcyth' last man on earth?" * ' Grogan—“Oi dunno, anny' more than you. But it is to be hoped that he’ll be an onndertaker, so .- he will know how to bury himself decently.” -—Indianapolis Journal. Visitor (-to sexton digging grave in chunchyard)—“Who’s dead ?" Sexton -—“Old Squire Thornback.” “What complaint?” Sexton (without looking up)a-—“No complaint; every- body satisfied.” “This is the bill from your oculist.” said the collector to Mr. Grimley. “Just take it back and tell him that I can't read it with those glasses he sold me."—Detroit Free Press. The Common Person—So you are wedded to your art? The Artist—Dear, no! I am in love with lth—filncinnati Enquirer. Praise a fool, and it makes mm proud; praise a wlse man and it make. him humble. . , - STATE OF OHIO, CITY OF TOLEDO, - LUCAS COUNTY. iss FRANK J. CHENEY makes oath that he is the senior partner of the firm of F. J. CHENEY & Co., doing business in the City of Toledo, County and State aforesaid, and that said firm will pay the sum of ONE HUNDRED DOL- LARS for each and every case of Catarrh that cannot be cured by the use of HALL’S CATARRH CURE. FRANK J ._ CHENEY. Sworn to before me and subscribed in my presence. this 6th day of Decem- ber, A. D., 1886. ~«~ A. W. GLEASON, i. SEAL i Notary Public. Hall’s Catarrh Cure is taken internally and acts directly on the blood and. mucous surfaces of the system. Send for testimonials. free. ' F. J. CHENEY & 00., Toledo, 0. Sold by Druggists. 75c. Hall’s Family Pills are the best. ’ Pain- ' ' ' Hennes sum, Magic (ill, the most wonderful medicine to-day, positively “curing Colds, S-ore Throat, Rho umatusm andall pain. 'Whollyfreefrom oily taste, p easant to use either asam that miserable feeling, use llr. Ilenick’s liver Fill: the Old reliable and sure cure. ! PIANOS. As large manufacturers we can sel' you better pianos for-legs money and or. ‘e'asier terms than you can'obtain else- where. ._ Rare bargains in slightly-used pianos. Good square pianos $7 5 and upwards, $10 down and $5 per month. Little used and second- hand uprightsai reduced prices. Pianos warrantcd'an'd you can try them in your home before nation about our Easy Payment Plan; Inc to three years to complete payments. IVERS & POND PIANO 004 L 1 suntan luvs ‘ that lead to innumerable complications . not only of the brain, but of all the vital organs of the body, may be made‘ strong and healthy in themselves, ahd sympathetic derangements of the entire. system averted and cured by the use ofr ~ 4 ANGIER’S .ETROLEUM j EMULSION his... .The: petroleum in this preparation aids digestion, strengthens the great life centers of the "body, makes pure red ’. "blood, heals‘diseased tissue and creates , ’-n d firm flesh, while the h (o hos- . through;-.‘the*sfiues should 'be’itri‘pp‘ed' ‘~ cw an yp p ' from the-quills of thei‘lairger' feathers, phites of lime and soda with which it is ' 'cOmb‘ined strengthen and ' reefers the? " rather ambitions in- her conversatiofi" ‘5 ' “Excuse me, said a wag Sit-ting next to her, “bu-t don’t you mean -a paral- .. . Visil’or— - - ’ . internal or external remedy. Get a = trial bottle and satisfy yourself of the great curative powers of ' RENNE’S MAGIC OIL‘ you buy. Write for prices and full infor- ,- m a 116 Boylston Street, Boston. ‘
Norwalk Chronicler