\ . - :fil ‘? THBMUTUAL- Lire. INSURANBE i OF NEW YomK. RICHARD A. MOCURDY, President. ‘ Statement fortheleai Ending Dec. 3t,’97. . I, According-to the'Standard of the Insurance Department of the State of New York. I INCOME. Received for Premiums . ‘ . . From all other Sources . . . _. . $42,693,201 99 11,469,406 24 $54,162,608 23 * DISB'UESEMENTSC To Policy-holders for Claims by Death . . , . $13,279,630 66 T0 Policy-holders for Endowments, Dividends, etc. . 12,712,424 76 I For all other Accounts . . . . . , . .. . 10,132,005 57 5369 ‘24-’06” 99 Assnms. ' 'MAIMEDI'BY THE WAP. United States Bonds and other Securities ‘ . . . $132,017,341 45 First Lien Loans on Bond and Mortgage . . . 69,423,937 31 Loans on Stocks and Bonds . . . . 12,880,308 00 Real Estate . . . . . . 21,618,454 88 Cash in Banks and Trust Companies . . . 11,705,195 82 Accrued Intérest, Net Deferred Premiums, etc. . . 6,141,200 20 , ,, . $253,786,437 66 Reserve for Policies and other Liabilities . .. 218,278,243 07 1 _ Surplus -~ » , o o o f “ o o 0 $35,508,194 59 Insurancemnd Annuities in Force ' . . . $936,634,496 63 I have carefully examined the foregoing Statement and find the same to becorrect: liabilities calculated by the Insurance Department. CHARLES A. PRELLER, Auditor. I From the Surplus a dividend will be apportioned as usual Reportof the Examining Committee. Office of the Mutual Life Insurance Company of New York. To THE HONORABLE, THE BOARD or TRUSTEES OF THE MUTUAL LIFE INSURANCE COMPANY OF NEW YORK. The undersigned, a Committee appointed by your honorable body, on the twenty- second day of December, I 897,to examine the Annual Statement of the Company and to verify the same, respectfully—fl , 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 ofiice 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 com.6 3t. They 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 mol‘tgages on real property held by the Company, and find the same to be as stated. They have also verified the valuation of the'Com. panyis 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 in such examination have been freely submitted to the Committee by the said officers and their ESSIsbantS’ and “fit the same are accurate, in good order, and well kept. _ 4 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 All of which is respectfully submitted. CHAS. R. HENDERSON ELBRIDGE T. GERRY A. N. WATERHOUSE NEW YORK, January 21, . 1898. ‘ S. V. R. CRUGER J. HORART HERRICK JAMES C. HOLDEN Boardof Trustees- FREDERIC CROMWE'LL J ULIEN T. DAVIES A. N. VVATERHOUSE S. V. R. CRUGER CHARLES R. HENDERSON RUFUS W. PECKHAM J. HOBART HERRICE WM. P. DIXON ROBERT A. GRANNISS , 7.9 HENRY H. ROGERS JNO. W AUCHINCLOSS THEODORE MORFORD WILLIAM BABCOCK STUYVESANT FISH AUGUSTUS D. J UILLIARD CHARLES E. MILLER WALTER R. GILLETTE H. WALTER WEBB SAMUEL D. BABCOGB RICHARD A. MCCUBDY JAMES C. HOLDEN HERMANN C. VON POST WILLIAM J. SEWELL OLIVER HARRIMAN ROBERT OLrPHANr GEORGE F. BAKER DUDLEY OLCOTT GEORGE G. HAVEN ADRIAN ISELIN JR. GEORGE S. BOWDOIN WILLIAM C. WHITNE! WILLIAM ROCKEEELLEE JAMES N. JARVIE CHAS D. DICKEY JR ELBRIDGE T. GERRY JAMES SPHERE} ROBERT A. GRANISS, Vice-President. - , ISAAC F L' OYD 2d V' P 'dVAtLTEE R. GILLETTE, General Manager. . u , Ice- rose on DUEH du—P. BRECK. Corres ondin Secrets WILLIAM J. EASTON, Secretary. . _ ALBERT KLAMROTH, Assisth Segretary. ry JOHN A FONDA A ' t t gREDERIC CROMWELL, Treasurer. ' . , SSIS an, reasurer. JAMES TIMIJSON. 26. Assistant Treasurer. WILLIAM R SANDS, Cashier. , , EDWARD. .l’. HOLDEN, Assistant Cashier. , ' EMORY MCCLJNTOCK, Actuary. ‘ JOHN TATLOCK, JR ‘, Assistant Actuary. CHARLES A, PRELLER; Auditor. WILLIAM W. RICHARDS, Comptroller. C. CLIFFORD GRETSIN GER, ASuistant Auditor. HENRY 5. BROWN, Assistant Comptroller " JOHN C. ELLIOT, Superintendent of Domestic Agencies. ,, ED WARD LYMAN SHORT, General Solicitor. MEDICAL DIRECTORS: ELIAS J. MARSH, M. D- GRANVILLE 11 WHITE, M D, G. S. WINSTON M. D. Consulting. A . . .r > J memes s stresses. senses! Agents. 1. , . HgfigflAMELoeal Agent. l u... _- 'duly set out in a).] the catalogues of ' wearers '1 Hill: '_ EVE N th‘g (. AZ h: ’l' I! UNCLE SAM SUPPLIES ARTIFICIAL LIMBS TOCRIPPLED SOLQIERS. flow Wooden Legs Are hinnufacturcd and “’hat They Are 'llludo Of. H Lulsun Maxim’s Scrap “’ith the Cabman 32:13 How It Ended. 2 One of the United. States Govern- ment officials told an artificial leg and ' arm maker the other day that in IRS judgment the number. of amputations resulting from the war with Spain would probably not exceed 100.. _ NOW. the Government always fur- . nlshes artificial limbs. gratis. to sol- dlers and sailors who lose their nat- ural ones in its scvice, and the amount paid out for that purpose while the civil war was in progress and after it was over was an exceedingly large sum. But as the highest price for an artificial limb is $100. and as only a part o‘fgthose now to be furnished need each .cost more than the larger frac- tion of that amount, the Government outlay for limbs in 1898 will be under, rather than, over, $10,000. In other words, though the war has caused a deplorable deal of maiming. it has been much less disastrous in that-direction than the working of the railroads, the blasting that is going on all over the country and a great vari~ ety of the ordinary operations of civil life in time of peace. For, according to the best authority on prosthesis. there are on an average 20,000 ampu- tations a year in the United States. and at $75 a limb their victims could not be supplied for less than $1,500,- 000. Prosthesis, by the way, is the adding of some artificial part, like a leg or a foot or an arm or a hand, and a man whose business is‘ the making of wooden limbs is a prosthetician, as is artificial limbs the writer has ever seen. “ There are about a hundred concm‘ns engaged in prosthetic pursuits in the United States. Most of them are of small capital and output, however, and the establishments doing big business in that line may be counted on the an. gem of one hand. Curiously, and yet naturally enough, when you come to think of it, the majority of the small makers are themselves the wearers of wooden legs or rubber hands. It is easy to understand this. The man with a new artificial limb becomes in— terested in the science which he has just learned is termed prosthesis. He thinks he can improve his own limb and makes a successful attempt to do so. Then he sets out in the business for himself. Of course the big mak- ers claim that such men can’t do all- round prosthetic work well; that they are! biased by their own preferences and so become narrow-minded on the subject of wooden legs. But for all that, the small concerns continue to flourish. and occasionally one does so well that his shop, employing one man, and that himself, expands into an establishment with a big payroll and yielding handsome profits. The biggest concern of the sort in this country, however, located in New York, was founded by a man with two legs and two hands. It has. made a fortune for him and several of his rela- tives, and its storerooms occupy every floor of a six-story building to the ex- clusion of all other tenants. while a small army of employes have their names on the payroll. It is common for men who are sound in all their limbs to speak or cork legs and cork arms. but the truth is, as an accomplished prosthetician of this town informed the writer, there are no cork arms nor yet cork legs. There probably have been such things or the phrase never would have got into cir- culation, though it may have origina- ted in the fact that excellent false limbs were formerly made in the Irish city of Cork. At all events. artificial limbs are now invariably made chiefly 0f the wood of the willow or the bass wood tree. the joints being of'steel. the sheaths and facings of leather and rawhide, and the feet and hands of rubber. _ Other fibres than the bass and the willow. including rawhide, leather. vulcanized rubber. celluloid, papier mache. tin, copper. steel and pulp have been experimented with as artificial limb material Over and over again. but none of these has proved at 211 de— sirable for the purpose. For hands and feet. however. sponge rubber is far preferable to anything else be- cause Of its combined flexibility and lightness. the almost universal prac- tice now being to fasten‘ them rigidly to'the wooden stumps. the rubber be- ing sufficiently flexible for all practi- cal purposes. and not subject to the wear which renders, jointed feet and hands clumsy and "a burden to their after comparatively short Service. . No two false limbs or hands or feet are made on precisely the same model. and this accounts for their compara- tively heavy cost. the price list being as follows: Hand. $30:_forearm and hand. $50: arm (amputation abovc elbow) with hand. $75; foot (amplify tion at or below the ankle). $_§¢Q;‘.le,<;~‘° (amputation above or below. the knee), $100. . Artificial limbs are now" so skill- fully made that many a man wearing one false leg is able to walk without betraying his deformity. and many others wearing two false legs gel around handily without acrutch. wuh the aid of a cane; while some folks ‘ are able to writelegibly with the aid" I of a good rubber right hand. Legs last from three years to thirty. ac~ wearers. and. if well made. should all laét the longer periodiat least. Bu. to:insure this. a limb should be care- fully oiled in the joints once a day at least: and the metal parts preserved from rusting by close attention. c cording to the care taken by their 5 ' l l .Wbrkingmen and careless folks ids.- liinbs oftener than men of leisure and those habitually cautious, as a matter , ‘I .‘ I I, I . beings. _ , A of com-Se. and it thus falls out In. proper care of false legs and arms is an exception and not the rule, and so the actual average age of an arm or a leg is about seven years, according to the authority quoted above. Arti- ficial limbs for children do not last as long. for the reason that they have to be discarded for bigger ones about once a year, as the wearer grows. Just why a false leg or. arm seems a funny thing to the ordinary human being is not clear, but it is and always has been. Many stories of the funny situations arising from unexpected discoveries regarding the artificiallty of limbs are current. and here is a true one. Endson Maxim. inventor of guns,~ smokeless powder, air ships and such like things, had the misfortune, some years ago, to blow off part of one arm in an experiment with explosives. Of course, he hurried from London. where he was»- then living, to New York, to procure a handsome new arm at willow, with a hand of spongerub- her, which he now uses so cleverly that half the people who meet him never suspect he has suffered the loss of a limb. . Now, Hudson Maxim is. or when younger was, a bit of a scrapper, and he got into an altercation with a" cab- man soon after beginning to wear his wooden arm, and before he had be- come sufficiently used to it to strap it tightly to the stump. But, the fact that he had a false member, didn’t in- terfere in the least with his willing- ness to fight the cabman, and he “put up his dukes” in attitude of defense without the slightest hesitation. Gabby struck first, however, as 'cabbles are prone to do, hitting the false arm a sounding thump, to its instant disloca- tion, and it fell rattling to the: ground. It would be hard to say which was the most surprised, Maxim Or the cab- n3an, but the latter was surely most frightened for, evldently supposing he had done his opponent permanent harm, he ran away as fast as his legs would carry him, and he may be run- ning yet, so far as Mr. Maxim knows. Here’s another story which prosthe- ticians declare has a moral, though it will be left to the reader to draw the same: , ' Some years ago a naturalized Rus- sian citizen of this town was run Ov't—r by a cable car and lost both legs. Be- ing without money to buy wooden legs, he had a pair of~leather ones made for the stumps, and set about peddling lead pencils and other small wares for a ‘living. hoping to get enough over and above the necessities of life to buy the coveted legs. He had a card fastened to his breast on which the facts were clearly stated. and sympathetic buyers Were so numerous that be made‘ from $30 to 5350 net every week. so that he suc- ceeded in accumulating the needed sum in a few months. and was pres- ently Supplied with two legs of as good a quality as ever prostheticlan had made. Then he started out to get a job. but. alas. no one would hire him at work yielding a weekly wage of more than $6 or $8. As he had a family to support this seemed altogether, too small. and so after a brief but unsuc- cessful trial as a man with two good artificial legs, he took up again the task of earning his living and that Of his family with no legs at all. You may see him any day sitting “in his' leather stumps” at the edge/of the sidewalk in one of the busier cross streets. selling his pencils—and likely you have bought of him. Anyway, there is no reason why you shouldn't, for his goods are of excellent quality. the price is right and he is educating his children with the profits of his little business.- _ He goes in his stumps, however, in business hours only. Promptly at 6 p. In. every day he disappears from his post to go home. and there he dons his precious wooden legs, which he wears every evening and on Sundays with great satisfaction and much bet- ter grace than you would suppose pos- sible, getting around easily with a cane and not often being suspected of having: lost his natural “walkers.”— New York News. Not Superstimus. The woman who declares she isn’t a bit superstitious would as soon think of forgetting her Orange-blossom as of omitting to wear something borrowed and something blue on her Wedding day. _ ' Then the man who never looks where he is going always manages to dodge ladders and walk outside instead of underneath them. It’s funny how he does. it, but he does, though he’d call you'a hard name if you ventured to suggest he-was superstitious. What hostess ' discovering thirteen 0n the" point of sitting down at her’hospitable board but would hastily send for' little Mary.or,.Tommy to make the 'fOur~ teenth? ' - . - The =hardiest' actor on the stage wouldn’t take an umbrella on to it; and as for the " breakage of a '_'mirror, breathes ' :‘thére: ‘a miscreant" who wouldn’t. feel a "pang'u he or she were so unfortunate as to cause soevil a. catastrophe? Yet. we all declare we aren’t' superstitious, and that we. don't ' believe for a moment there is anything in such old wives’ tales as howling dogs heralding'a‘ death, or seeing the moon through . glass bringing disaster to mention two of the thousands of ills presaged‘ by, such occurrences. ,Thc fact Of the matter is we are all more 0: - less-superstitious, and small wonder, too, considering we are merely human [Blake L015 of Friends. “Sometimes,”- said the young man who is becoming slightly cynical, “it ' does seem that a“ dollar is the best friend a man can have.” “Yes. sir,” replied Senator Sorghum. “And I have always contended that it is a politician's duty to make as many friends as possible.”—-Washington Star. ' -.— 4:;1'... __ _ __, -...__’¢ Mississippi. 9 a, .fi THE TAR’S DAUGHTER “I was fishipHIntes’ for Six years with old Tom Ravenwoo'd, one of the best known of the knotty, hard-swearing and heard-fighting gunners’ mates of the Old navy,” said a man who put in * a long stretch as a ship’s writer in the navy. _ “Tom couldn‘t reader write, and, as my billet in the navy was a clerical one, I used to attend to his corres- pondence for him. His correspond- ence consisted entirely of letters to his daughter, who was in a. convent in The child was about fourteen years Old when I first became a shipmate of Tom’s and began to write his letters to her, and Ihe had not then seen her for over six years. “On the foreign stations old' Tom used to come aft to my office on the berth deck, after an American mail had arrived and been distributed to the men aboard, and get me to read to him the little bundle of letters-that always reached him from his little girl. the development of the child’s mind: as exhibited in these letters. At first they were Childishly bland and com- monplace, but as the years went on they grew more womanly and clever and filled with the thoughtfulness of a' tender nature, and after awhile, as the girl passed into womanhood, they became simply beautiful. specimens of the epistolary art—sweet and frank, and filled with afiectlon for the rough old tar, and longing to see him—for she barely remembered ilijm. - “The girl was bitterly disappointed when, three years after I began to write her father’s ‘letters to her, he announced that 'he’d Shipped over, as he had, for another three-year cruise, and that he wouldn’t see 'her for three years more; and, he added, he would then for certain, sure. We servitched to the Medlterranedn station for that three-years’ cruise, and the time. passed rapidly~‘enorugh. The young woman had been sent to another edu- cational institution, and she looked forward to the day when she could clap eyes upon her old blue-jacket father. About a year before the wind-up of the cruise the old man asked 'her to send him a photograph of herself, but she begged olf, saying she wanted, when she met him, .-to see I found it interesting Ito trace if he would know her. ,, ' “ ‘M-aylhap,’ said the old man to me, ‘th’ little one’s growed up a bit plain like and don’t want to send the pictur of a plain gal to her old dad—us if that ’ud make any difference to me.’ “Well, our ship pulled up at the Brooklyn navy yard just two days be— fore the Old man’s time was out.- His daughter was to meet him across the way in New York. There was a big crowd of the relatives of the ofiicers and men aboard at the yard dock when we pulled alongside. When the plank was thrown out they flock-ed aboard. Old Tom Ravenwood and I stood at. the break of .the fo’c’sle, watching the people coming aboard, neither of us expecting anybody. A tall and very lovely young woman of about twenty stepped lightly up the gangway. She was such a thorough— bred in appearance, and so singularly _ beautiful besides, that the officer of the deck bowed and scraped to her, think- ing she was come aboard to see one . of the officers aft. The young woman looked about in a bewildered sort of way, and then her eyes caught sight of old Tom, with 'his sleeves rolled up, showing the tattooed crucifixion on one knotted forearm and 3. Japan- ese dragon on the other. The girl had had a tintype, taken years ago, of her father. . Well, it was surely enough an affectng thing to see the light that leaped into the eyes of that superb young woman, and to 'see her glide like a flash up forward—to the surprise-of the officer of the deck—into the lump- muscled arms of old Tom Ravenw-ood, gunners’ mate. The scene broke all hands up, I can tell you that. The fel- lows standing around all coughed foolishly and in a choked sort of way and looked off in the other direction. As for the old man, after he had held his daughter 'in his arms for a minute or s-o—looking as embarrassed, and yet «happy, as a man could look—said to me, knuckling at his clear old eyes and trying to pry him-self loose: “ ‘Look a-‘here, mate, jest you keep an eye on this bit 0’ cargo for me fur half a minit, will ye, on-til I lay below an’ see about them amunitiou hists 1" “But the ‘ammunition hoists” were too thin a subterfuge. The Old man didn’t want to make a show of him- self.”—VVashington Star. How He Made Himself Get Up. The Duke of Wellington slept on an, iron camp bedstead eighteen inches wide, and argued that “when a man wants to turn over it is time to turn out.” Edward Everett Hale quotes this remark of the-Duke in the “Ten Times OneRecordfi’ and "takes issue with 'him. “The principle is well enough,” says Dr. Hale, “but I think the detail is wrong. Sleep is far too important to be made uncomfortable.” Dr. Hale goes on tO'tell of various in- genious devices for automatically waking a sleeper. A friend of his fixed his alarm so that at the femur- dained moment the bedclothe's were dragged from the bed. The same gentleman found another centrivance which worked better. . “The alarm struck .3 'm-atch, which lighted the lamp which boiled the water for-Ros- Si-ter’s shaving. If Ro-ssiter stayeddn bed too long the Water boiled over upon his razor and clean shirt, and the prayer-book his mother gave him and Coleridge’s“ antograp‘h and his 'Open pocketbook and all the other pre- cious things he could put in a basin undeyneath when he went to bed, so he had to get up' before that moment ’ came.”—~Chicago Inter-Ocean. O
Norwalk Chronicler