.1;w.y""‘.‘ -' ' " "
' THE "1+: v; tn 1 N G o
his humor I}:
Riouaan A. Mccuaov, President. .
atemeit for the YearEnding Dec. 31:97
AccOrding to the Standard of the Insurance Department of the State of New York. '
ING®MEQ
Received for Premiums . . ‘ . . . , . $42,693,201 99
From all other Sources . . . . . W
i $54,162,608 23
DISBURSEME’N’E’SQ
To Policy=holders for Claims by Death . . . $13,279,630 66
To Poiicy=holders for' Endowments, Dividends, etc. . 12,712,424 76
For all othér Accounts . . . . . . '10,132,005 57
_ ' ' ° ‘ ' $36,124,060 99
ASSETSQ
United States Bonds and other Securities 1 . . $132,017,341 45
First Lien Loans on Bond and"Mortg'ag-e . . , , . 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 Interest, Net Deferred Premiums, etc. . . _ . 6,141,200 20
‘ - $253,786,437 6’6
Reserve for Policies and other Liabilities . . 218,278,243 07
' Surplus . . . ' . . $35,508,194 59
Insurance and Annuities in Force ' . . . $936,634,496 63
lhave 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.
Office of the Mutual Life Insurance Company of New York.
To THE HONORABLE, THE BOARD OF TRUSTEES OF
THE MUTUAL LIFE INSURANCE GOMPAIY OF NEW YORK.
The undersigned, a Committee appointedvby your honorable body, on the twenty-
second day of December, I897, to examine the Annual Statement of the Company and
to verify the same, respectfully—fl ........
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 office'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 ofiicers‘
and have carefully gone over all the items contained 1n the said Statement, and have found the same to be corre ct. 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 w1th 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 Com-
pany’s holdings of real estate and have verified the depos1ts of money 1n the various banks and trust compames, 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 Comm1ttee by the said officers and their assistants, and that,
the same are accurate, in good order, and well kept. -. . ’
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 commendafiml
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. HOBART HERRICK JAMES C. HOLDEN
. Board. of Trustees-
FREDEBIO CROMWELL
J ULIEN T. DAVIES
A. N. WATERHOUSE
S. V. R. CRUGER
CHARLES R. HENDERSON
RUFUS W. PEOKHAM
J. HOBART HERRICK
WM. P. DIXON
ROBERT A. GRANNIBS ,
HENRY H. ROGERS
JNO. W AUOHINGLoss
THEODORE MORFORD
WILLIAM BABCOCK_
STUYVESANT FISH
AUGUSTUS D. J UILLIARD
CHARLES E. MILLER
WALTER R. GILLETTE
H. WALTER WEBB
GEORGE G. HAVEN
ADRIAN ISELIN JR.
GEORGE S. BOWDOIN
WILLIAM- C." WHITNEY
WILLIAMiROCKEEELLER
JAMES N. JARyIE
CHAS D DIGK'ET JR
ELRRIDGE T. GERRY
JAMES SPEYE33
SAMUEL D. BAscocR
RICHARD A. McCURDv
JAMES C. HOLDEN
HERMANN C. VON POST
WILLIAM J. SEWELL
OLIVER HARRIMAN
ROBERT OLYPHAN’I
GEORGE F. BAKER
DUDLEY OLOOTT
ROBERT A. GRANISS, Viee-PreSident.
WALTER R. GILLETTE, General Manager. , '
ISAAC F. LLOYD, 2d Vice-President DUEH du-P. BRECK, Corresponding secretary
WILLIAM J. EASTON, Secretary. ALBERT KLAMROTH, Assistant Secretary.
* FREDERIC CROMWELL, Treasurer. -
J OHN A. FONDA, Assistant Treasurer. JAMES TIMPSON. 2d Assistant Treasurer.
WILLIAM F. SANDS, Cashier. EDWARD P. HOLDEN, Assistant Cashier.
EMORY MOCLINTOCK, Actuary.
. JOHN TATLOCK, JR , Assistant Actuary.
CHARLES A, PRELLER, Auditor. WILLIAM W. RICHARDS, Comptroller.
C. CLIFFORD GRETSINGER, Asiiistant Auditor. HENRY S. BROWN, Assistant Comptroller
JOHN C. ELLIOT, Superintendent of Domestic Agencies.
ED WARD LYMAN SHORT, General Solicitor.
MEDICAL DIRECTORS: ,
ELIAS J. MARSH, M. D- . GRANVILLE M. WHITE, W D
G. S. WINSTON M. D. Consulting.
arduous a. @EhBERT, General Agents,
2'
nauseous, Loser-Agent. ;
/}
JAPAN’S CRYSANTHEMUM.
l A National Alzlliority “'rites Concerning
Its Origin.
James Morton." who has spent years i
; in the culture of the chrysanthemum
5and is the national authority on its
culture and history has wf’itton the
lfollowing concerning its orfcntal sta-
, tus:
There are good reasons for suppos- 1
ing that the Chrysanthemum was cul-
Iivated with much devotion by thegar—
those countries tells us in one of his
works that “so great a favorite is the
donors that no persuasion will deter
frequently resig. their situations ra-
ther than be forbidden by their em-
ployers to grow it.” In support Of this
statement he" relates the experience
of an English resident in that coun-
try, who, without the slightest inter-
est in the plant was compelled to :11-
low his native gardener the pleasure
of cultivating it solely on that ac-
count. The Chinese often train the
'chrysanthcmum. into curious and fan-
tastic forms, such as pagodas, horses,
Stags. ships, etc. Another peculiar
method of culture practiced at Chea-
yuen, where it is entensively culti-
vated, is the grafting of cuttings into
stout stems of Artemisia indica as a
stock. Among the Japanese the chrys-
anthemum is no less prized than in
China, and they display great skill in
its culture, calling it the Queen of
Flowers. At the most popular of the
Japanese festivals the people display
efiigies of their traditional heroes con-
structed of massive Chrysanthemum
blossoms, Benkei, the Japanese Her-
sules, appearing gorgeosuly appareled
in white. yellow and purple pompous.
In many other ways the Chinese and
Japanese reveal their love for this
plant, but probably in no more appar-
ent and lasting manner than by apply-
ing the talent of their most skillful ar-
tists to portray its fair form and vivid
coloring on their pottery and house-
hold fabrics, as well as in numberless
illustrated books and pamphlets.
In Japan the Imperial Order of the
Chrysanthemum is the most distin-
guished decoration of the empire. It
was founded in 1876. and consists of
a star and collar hung around the neck
by a riband, the whole work being in
gold. silver and enamels. Bestowcd.
”with rare exceptions, only upon royal
personages, it is consequently con-
sideredea very high distinction among
European sovereigns who have been
wearers of this mark of the Mikado’s
favor. The Chrysanthemum, or “kl-
ku,” as it is call-ed in Japan, is also
one of the crest badges of the imperi-
al family, and is used as an official
seal. The{ hilts of the swords forged
by the Empero. Go Toba, who as-
cended the throne in 1186, had the ki-
ku figured upon them.
The Chrysanthemum season in Ja-
pan is looked forward to with much
pleasure. and the different communi-
ties manifest the greatest enthusiasm
in its culture. A certain day is set
apart as a festival, when all turn out
to pay due homage to their national
emblem, the many—hued Chrysanthe-
mum. Durlng their blooming period
the gardens of all the prominent flor
ists present an exhibition of greai
beauty. Each evening for many
weeks the notables of rank, as well as
the peasants in holiday attire join in
the happy festivities. The fetes are
always held in the evenings and the
grounds are beautifully illuminated.
presenting a scene brilliant beyond
description. His Majesty also opens
his gardens at the imperial palace on'
this grand fete day. All the highest
native oflicials and foreign residents
of distinction are present. and invita-
tions are highly prize-:1 and much
sought after. It is one of the few oc-
casions when the Empress is to be
seen in public. She delights in having
the most dainty handkerchiefs of
gauze embroidered in Chrysanthe-
mums of all colors. Her ladies of
honor also appear in gorgeous dresses
with chrysanthemums worked upon
them. Upon this occasion the dis-
play of the national flower is said to
be unequaled. Nowhere can they be
found in such profusion. so fully de-
veloped and brilliant in color. while
the rich imperial violet silk with
which the tents and buildings are
draped bear upon them the heraldic
kiku in all its pristine loveliness. As
the day draws to a close the people re
turn to their homes to complete the
slow process of intoxication by drink-
ing saki. into which are thrown the
blooms of chrysanthemums. which,
they suppose, will preserve them from
evil the coming your.
A Nicn DISHVctiun.
It was the unusual duty of a Los
Angeles ‘cl-orglman of great physical
and- intellectual girth to deliver the
dodicntory address at the opening of
a new cemetery. The burying ground
was swept by a high wind which was
blowing from the sea at the time.
The parson showed himself as wise
as witty in his apology for keeping his
head covered during his mental per-
formance. ~
“I do not remove my hat,” he re-
marked, “because, while I am willing
to be the first incumbent of this ceme-
tery, I do not want to be its first
. occupant.”—San Francisco News Let-
ter.
A medical journal advises against the
excessive use of salt. It is first of all
a perversion of taste, the condiment
destroying the flavor of delicate dishes
if too pronounced. Furthermore, it is
asserted that an excessive use of salt
agriously overtaxes the kidney to re-
move it, and that many cases of de-
rangement and disease are due to this
excessive use. The salt habit, it ll
added, is easily acquired, and person:
indulging themselves soon reach a
I point where nothing is palatable that it
1 is not strongly impregnated With salt: l
— — ~y—.—.
b
donors of both China and Japan for .
centuries before its importation into.
Europe. A well known trpveuer in_
chrysanthemum with the Chinese gar— '
them from its culture, and they willf
OZ If T TE
1- . THENEW DEFENDER.
' It is To Be Constructed Under Lock and
.Key in the Herresliofi' Yards.
The; new ~cup defender will
of course, be built under lock and key,
the usual method of the procedure
that is adopted at the Herreshofi‘
works. and little beyond the statement
, that she will be of the bulb-fin type
I and that her lines generally will not
depart radically from those of the De-
? fender, could be learned; ‘
l \Vhile the Herreshoff family is large,
it looks upon “Nat” as its genius. At
the age of ten he could sail a boat
with consummate skill and judgment.
f When seventeeh he became a student
, in the Institute of Technology, in Bos-'
ton. where. he still further developed
his taste for physics as particularly
applied to steam engineering and no
val architecture, In 1870, when twen-
ty-two years old, he became connected
with the well known Corlis Steam En-
gine Company, Of Providence. R. 1.,
and with the famous George Corlis
gained great practical knowledge in
engineering and the application of
steam power. During his stay at tho
Corlis works he dzesvgnod the‘engincs
and all the naval construction at the
Herr‘eshofif’s. .
When he left the Corlis company he
joined the Herreshoffs as part owner,
designer and superintendent. and
there, by his work, he has become dc-
servedly famous.
The Gloriana, owned by E. D. Mor-
gan, N, Y. Y. C-., was the first vessel to
snow Nat Herreshoif’s fully developed
theory, but its value was demonstrated
in the Pelican. a much smaller vessel,
built several months before the Glori-
ana was designed. The theory was
subsequently cal-rial to its perfection
in the sloop Warm. which has been.
and is. perhapsp'flze most successful
boat ever built at Bristol.
The development of cup defending
models was really begun in 1892, with
the centreboard sloop Navahoe, built
for Mr. Royal PhelpsCarroll, N. Y. Y.
C... which became famous in British
as well as American waters.
vessel was built‘in the south shop at
Bristol.
The cup candidate Colonla. a keel
boat, followed, being set up in the
south shops late in February, 1893, im-
mediately after the Navahoe was
launched. Previous to that time the
centreboard Vigilant, the victorious
cup defender. was startedln the north
shop. The Colonia was launcned in
May, and the Vigilaut in ‘June.e1893.
The Vigilant was the first vessel of
any size ever painted with bronze; and
her record here and abroad need not be
recalled.
The Defender was commenced in
February, 1895, in the south "shop, and
was finished and overboard the fol-
lowing July. Tho new defender, the
yacht that will meet the Shamrock.
will be built in the south shop. where
the Navahoe. Colonla dud Defender
were constructed, and will probably in
form closely resemble the victorious
craft of 1895, as there maybe danger
in making too abrupt a departure from
her successful design.
the Defender by N. G. Herreshoff'dld
not cease with her races. For three
years he has had her in mind, ponder—
ing over her form and nor perform-
ances. which were unhappily too men-
gre to satisfy the moltitudo of exact-
ing yachtsmen. ,And this continued
thought must result in further im-
provement. if such is possible.
Voting in 1864. +
One of the most interesting features
of the stirring war election of ’6;l.
when Abraham Lincoln ran a second
time for the presidency of the United
States and was ‘opposed by General
George B. McClellan, was the voting
of the soldiers. For nearly four years
these gallant men had marched and
fought, periling their lives willingly
on a hundred bloody battlefields and
knowing no laws but the commands of
their superior officers. Now they were
again to exercise their rights as sover-
eign citizens; some at their homes,-
where they had gone on furloughs.
and many in their tar ofl camps.
Extraordinary precautions were ta-
ken to secure the untrammeled vote
of the men fighting at the front and to
guard against corruption. Some of
the states had made provisions. be-
fore the war broke out. for taking the
vote of soldiers absent from' their re-
spective states with 'the army; and
the other states had adopted similar
provisions’as soon as the necessity be-
came apparent
At this time Gemml McClellan was
supposed to be very popular with the
soldiers. and many of the political
prophets of the day predicted that the
soldiers’ vote would be cast almost soc
idly for “Little Macfi‘ as he was some-
times affectionately culled. But the
boys ‘in blue carried their own thins-
lng machines along with them. and
these did not permit of their forgetting
“Father” Abraham. The subjoinedia-
ble gives the army votes, Which were
counted in canvassing the. returns for
electors.
States Lincoln. McClellan.
Maine ...... ‘. . . . . . 4.174 '741
New Hampshire .. 2.066 690
Vermont .......... 243 49
Pennsylvania .. .. 26.712 12,349
Maryland 2.809 321
,Kentucky .... .... 1,194' 2,823
“Ohio .. .. 41.146 9,753
Michigan .. . ..... 9,402 2,959
Iowa .. 15,178 1,364
Wisconsin .. .. .. 11,372 12.458
California ...... . . 2.600 237
This table does not give the vote of
all the soldiers. Many were at their
homes on furloughs: and no separate
account of their votes could be kept;
but it is sufficient. to show the warm
place Abraham Lincoln" held in the
hearts and. brains of the prlvlltes of
'64. ' I)
Mrs. Taddells:
isn’t she??’
Mrs. Willles: "Susie Dimpllng twen-
ty! Susie Dlmpling will never see
twenty again If she lives to be eighty,"
a...
This'
The study of."
“Let’s " see! Susie
Dimpling‘is about twenty years old;
MON EjY IN OLD; bfipsfia; ,3
mans Who MakerGood?Violins'éy‘ronl-JZ
(
Odds-"and Ends.
People in Chidaigo who pass the win-
dows of a large music store'ar'e at-
tracted by- the display of baskets full
of chips and fragments. of the old
fiddle family. These unattractive bits ,_
of wood have large money value, how- -
ever, as they can be skilfully joined
and reassembled to make violins that
have the genuine, rich tonal qualities
'of age. Chicago is the only city in
America where such an artistic redi:
vivus is attempted or accomplished.
These chips and fragments of former.
..musica1 glory are not mere flotsam‘
and jetsam carelessly accumulated-
and cast up in this show window as
a mournful memory, for they repre<
sent long travel, patience, shrewdness
and diplomacy. Most of the old vio-
lins or parts thereof have been col-
lected in Italy. They had a lower‘
pitch, and when a century ago the fad
came in for instruments of high pitch .
the shyster repairers ' proceeded to
graduate them by gouging out the
backs. Thisvanda-l process not only
weakened the instrument, but the
tone was soon correspondingly re-
presed, and then rthe instrument was
cast aside. Nearly all the backs of
the” gold instruments show this goug-
ing, and the first rtask is to level up
this hardwood surface.
The top of the violin being of soft
wood usually has its edges worn down
by handling and carrying in the case.
The corners are gengrally broken and
the S holes are frequently split or
frayed. ‘ This necessitates what is
technically called “redoubling.” This
consists in matching the parts, build;
lng up by gluing on pieces, Ithe'unlted
parts remaining in the clamps for
weeks in order to "set them firmly.
Crack-s are filled with tiny strips;
small pieces are matched in so adroit-
1y that their presence can harly be de-
tected on the surface. Consider now.
that the cracked and frayed top has
been bent up after long continued
pressure to its original shape: the
gouged back restored to its former
thickness; the Seamed sides filled and
blocked and even the old varnish re-
vealed in its former richness. ‘
Those important parts have been-
artfully restored, ‘indeed; but the as-
sembling of them is, after all, the
'matter of most vital importance, for
this means a. retention or revival of
the tonal qualities of the instrument
No matter how beautifully the patch-
work, is done, the violin is. compara-
tively valueless unless it has the tone
to soothe the sensitiveear of the con-
noisseur. The sound post must be, "ad?
justed so that it will hold the weight
of the top, for the strings bring a pres-
sure of sixty-five pounds upon the
breast of the violin, quite a weight to
rest upon a thin, vibrant slab of wood.
Even more important than this pil-
1211 is the base-bar, the Ion-g, thin piece
Of tempered spruce that runs two-
thirds the length of the breast be-
tween the S holes. This not only
serves to help in carrying the weight,
imposed upon the breast of the instru-
ment, but it is the backbone of tho
v-iolin’s nervous system. It must
neither be too stiff nor too light, and
must be so adjusted that it will syme
pathetically sustain the vibrations
that come from every tOuch of (the
bow. Of course, in all this la‘i'ge
chances are taken, but fortune gen-
erally favors art, science and skill ‘
where materials have been wisely’se-
looted—Chicago Inter-Ocean. '
'NO DOCTORS’ BILLS IN SWEDEN.
It’s a. Case of “Write Your Own Ticket"
When You Employ a. Physician.
Do you pay your doctors’ bills?
some persons don’t. Do you have" an
idea that the medicine men are in the
same category with street railway
companies and therefore to be “beat-
en,” in season and out of season? Do
you object to getting a bill from your
physician, and object on general prin-
ciples? Then go to Sweden.
the place for you. That’s the place
where the doctors cease from troub-
ling and the poor debtor is at rest. No
doctors’ bills go in Sweden. Who
wouldn’t be a Swede?
\Vhen you are ill in Sweden and re-
quire the services of a physician, an
you have to do is ’to send for him. He
is likely to be an efficient man and
courteous to a degree. Your need-s
will be ministered to and between the
times of féeling your pulse and taking
your temperature he won’t slip one of
his~ professional cards in your hand
and remind you that he charges $10
.a visit. Nothing is said of payment,
and your doctor looks after you faith-
fully until you have recovered-When
you feel like liquidating the obligation
you’llfind that it is a case of write
your own ticket.
If .you have been holding an office
under Tammany prior to, your trip to
Sweden, or have struck it rich in
Sugar, you may fill out your check
for a handsome sum. The money will
be accepted and no comment made.
If you have been writing on space
for some years or have picked the
horse races wrong end first, you may
send a small donation to the doctor,
and it will be just as unemotionally
received. .
The Swedish doctor on his native
heath tends the sick and. makes no
rrates. His wealthy patients pay him
handsomely, his poorer patients give
what they can afiford, and the ex-
tremely poorgive nothing at all. All
get the same treatment—New York
Herald. ' .
Silent Partner—What do you’eégpect. .1
to-do.with'all that Insty barbed Wire; .
fencing? -. ,_ _
Hustling Merchant—Oh, I '«fdo'n‘
know. There’s gping. to. has demand :.
for pieces of. them cubagtl'pchlw‘for
relics after a
_ whileihlna "thsit-‘E’l—‘cht :.
ca‘go'l‘ribune. - . - +
That’s -
. i..."
Norwalk Chronicler