L“ ‘~
THE Marlin. in [retains in,
OF NEW YORK.
Brennan A. Mccuanv, President.
Statement for the Year Ending Dec. 31,’97.
According to the Standard of the Insurance Department of the State of New York.
INGQMEQ ,
Received for Premiums ' . . . . .
From all other Sources
$42,693.20! 99
11,469,406 2.4
$54,162,608 23
DISBUESEMENVESQ
T0 Policy-holders for Claims by Death . . . $13,279,630 66
To Policy-holders for Endowments, Dividends, etc. . 12,712,424 76
For all other Accounts . . ‘ . . . 10,132,005 57
$36,124,060 99
ASSETSe
$132,017,341 45
United States Bonds and other Securities . .
First Lien Loans on Bond and Mortgage . . . 69,423,937 3:
Loans 0n Stocks and Bonds . . . ., 12,880,308 00
Real.,Estate _ . . . . . . 21,618,454 88
Cash inviBanks, and Trust Companie . . . 11,705,195 82
Accrued Interest, Net Deferred Premiums, etc. . . 6,141,200 20
Reserve for Policies and other Liabilities . . 533333333; :3
. surplus o o 7 0 i o o i 0 $35,508,194 59
Insurance and Annuities in Force . . . $936,634,496 63
Ihave carefully examined the foregoing Statement and find the same to be '
liabilities calculated by the Insurance Department. CHARLES A. PRELLER, 3:12:23)?
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 Mil'I'IlAL LIFE INSUBAHGE 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 of the Company and
to verify the same, respectfully—fl -
REPORT
That, pursuant to the power and authority thereby conferred, the Committee have ' ' .
date of the said reference and the date of this Report, attended at the office of the Compsgy: :IiiguflagztEZeEet-wéend the
by the Treasurer, the Comptroller,the Auditor, and the Cashier, together with the respective assistants of 5113:1311; 0n
and have carefully gone over all the items contained in the said Statement, and have found the same to be cor-r . a: gers
have examined and counted every certificate of stock, bond and other obligation held by the Compa,ny and ‘cv - hey
the prices at which the same are carried in said Statement with the market quotations, and find the same nm; e 9mpared
such quotations—in fact, in many cases below them. They have examined and counted the bonds and mort a Xceedlng
property held by the Company, and find the same to be as‘stated. 5 They have also verified the valuatioi getion real
pany’s holdings .of real estate and have verified the deposits of money in the various banks and trust e Cozn.
have counted'the cash on hand held by the Cashier. companies, and
And the Committee certify that all the books, papers, documents, and evidence of title of every descri t.
sary in such examination have been freely submitted to the Committee by the said Officers and their assis p Ion neces-
the same are accurate, in good order, and well kept. , ~ ~.tants, and that
And the Committee further certify that the investments of the Company are of a high order and th t t
and methods adopted by the Company in recording its transactions and caring for the-assets are entitied to c 3' he Sfitem
All of which is respectfully submitted. CHAS. R. HENDERSON ELBRIDGE T. GERRY A N gammendatlon
NEW YORK, January 21, 1898. S. V. R. CRUGER J. HOBART HERRICK J AMEs 0111;331:2le
Board of Trustees-
GEORGE G. HAVEN
ADRIAN IsnLIN JR.
GEORGE S. BOWDOIN
WILLIAM C. WHITNEY
WILLIAM BOOKEEELLER
JAMES N. JARVIE
_ CHAs D. DIOKEY JR
ELERIDGE T. GERRY
J AMEs SPEYERJ
HENRY H. ROGERS
JNo. W AUOHlncLoss
THEODORE MOBFORD
WILLIAM BABCOOK
STUYVEBAN'I‘ FIsH
AUGUSTus D. J UILLIAED
CHARLEs E. MILLER
WALTER R GILLETTE
. H. WALTER WEBB
FREDERIO CRQWELL
J ULIEN T. DAvIEs
A. N. WATERHOUSE
S.‘V. R. CRUGEE
CHARLEs R. HENDERsON
RUFUS W. PEOKHAM
J. HOBART HERRIOK
WM. P. DIXON
[ ROBERT A. GRANNIss
SAMUEL D. BABCOCK
RICHARD A. MOCUBDY
JAMES C. HOLDEN
HERHANN C. VON POST
WILLIAM J. SEWELL
OLIVER HAEEIHAN
ROBERT OLYPHANT l
GEORGE F. BAKER
DUDLEI Omo'rT
ROBERT A. GRANISS, Vice-President.
. _ . _WALTER R. GILLETTE, General Mans er. ' '
IngIAICIEMLfO‘YD, ‘2d Vice-President DUEB du—P. BiECK, Corresponding Secretary
. LAbION, becretary. ALBERT KLAMRO'I‘H, Assistant Secretary
_ . . EREDERIO CROMWELL. Treasurer. .; ' '
JOHN A. FUNDA, Assistant Treasurer. JAMES TIMPSON. 2d Assistant Tmasurer
WILLIAM P. SANDs, Cashier. EDWARD P. HOLDEN Assistant est...‘
EMORY MoOLlNTOOK, Actuary. ’ 3 ‘
‘ q JOHN TATLOCK, JR , Assistant Actuary. '
CHARLIE. A, PRELLER, Auditor. _ y , WILLIAM W. RICHARDS Comptroller
C. LLIE FORD GRETSIN GER, ‘As-llstant Auditor. HENRY S. BROWN Assistant Comptrollel
JOHN C. ELLIO l‘, Superintendent of Domestic Agencies.
EDWARD LYMAN b‘HO RT. General Solicitor.
ELIAS J MARSH M gIEDIOAL Dénsorons:
, . . , ' . ' RANVILLE ll WHI
G. s. WINSTON M. D. Consulting. “L M D
muons a stunner, @euenal-Agents.
H. entire, “Loser Agent.
BABY’S FRECKLES
3
3
5
§ Bedotting baby’s ruby
§ cheeks
5 Are funny little spec-
: kles.
; But which, of course,
3‘ are nothing more
little
6/
‘ Than horrid
freckles.
Said: “Will you tell me. dear pop,
0
If effy one of dose bown flngS
Is jest a rusted teardwop?”
Old Soldier.
“Grandma,” said Agnes, one morn-
ing, at breakfast, “ever since I came
to visit you, someth- lg always wakzs
me 111) in the middle of the night.”
“It is nothing to be afraid of,” said
her grandmother. “It is only a poor
dog howling.’—’
“What dog?” asked Agnes.
“It belongs to the Frenchman at thc
foot of the hllL” replied her grand.
mother.
“But why does this dog howl So
much? Is he cold?" asked Agnes.
“I am very sorry to say the poor
creature is too often both cold and
nungry,” said her grandmother.
That very day, when Agnes went
down the hill toward the big garden,
she met a little old Frenchman, with
l. wrinkled brown face, and a big red
muffler around his neck. He wore a
fur cap pulled down over his ears.
Behind him came . great, lean dog
lugging a wagon piled high with all
:inds of vegetables.
“Will he bite?” asl‘ed Agnes, going
1p close to the dog.
“No,” said the Fren ‘hma‘l, nodding
ind smiling at Agnes. '
So she put out her h: lid, ll ad, strok-
ng him gently, said,—
“Poor dog. Good fellow.”
The dog wagged his tail. NO one
and spoken kindly to l'im fl-r many
months.
“What is his name?" asked Agnes.
“Soldat,” said the gardener.
“What is that in Eng ‘ish?"' asked
Agnes.
“It is what you call soldier,” explain.
2d the Frenchman.
“Poor old Soldier," whisl cred Agnes,
cutting the dog again.
The animal raised his sad-licking
:yes, then lapped her hand gently.
y. “Do you give him enough to
eat?”
“Ah! he never have enough.” Said
:he Frenchman, laughing.
“\Vhy don't you have a donkey to
)ull your cart?” asked Agnes.
“Because. my little miss," said the
Frenchman, “a donkey costs money,
ind that dog costs nothing.”
-“How much does a donkey cost?"
isked Agnes, as they paused at the
:op of the. hill.
“Over yonder,” said the Frenchman,
pointing out into the country, “they
lsk twenty-five dollars for a nice,
itrong little donkey.”
“I think you ought to
:hough,” said Agnes.
The Frenchman laughed.
“I tell you what, little miss,” he
laid, “when you give me a donkey, I
vill give you Soldat.” Then he called
lut: “Come on, you lazy villain,” and
struck the dog several times over the
lack.
“He is not lazy; the cart is too
aeavy for him. And, oh! I do wish
you had a donkey,” said Agnes.
“SO do I,” said the gardener, as he
turned away.
Agnes watched them until they were
wt of sight; then she went bacn to her
grandmother and told her all about
oer meeting with old, Soldier and his
naster.
“My dear,” said hr 1' grandmother, “I
would buy the dog for you, if.I ‘could
ifford it, but I really cannot.”
"If I were big enough,” said Agnes.
‘I would work and work until I earn-
ed enough money to buy the gardener
A donkey and then I would just pet
poor old Soldier until he forgot all his
miserable life.”
That evening, just before Agnes
went to bed, her grandmother, who
and been out all the afternoon, said:
“I have been talking to some ladies
who belong to my church about the
gardener’s dog, and they said that if
you and some of the other children
would learn some songs and recita-
:lons, we could lend you the Sunday-
school room and help you to give an
entertainment for his benefit."
Before the end of the week every—
thing was in readiness for the enter-
tainment. The performers were all
children, and most of the recitations
were about kindness to dumb animals.
Agnes’ grandmother taught her a song
that she used to sing when she was a
little girl, called “Old Dog Tray,” and
as Agnes had‘a very pretty voice, and
zould accompany herself nicely on the
guitar, her song was a great success.
When the money came to be counted,
It was found to be exactly tWenty-five
dollars; so Agnes, accompanied by hen:
grandmother, went in search of the
man who sold donkeys, and the pur-
chase was soon made. -
The little old French gardener was
both astonished and delighted when
the lOllg-eared animal was presented
to him, and gladly gave his old dog
to Agnes.
As for old Soldier, he lived in clover
from that day. and though he has now
grown quite fat and lazy, he is so
buy one
gentle and affectionate that everyone
| loveshim—N. X. Ledger.“
“He is so thin,” said Agnes, pityingr
a. ,.
When Always Well. Dressed.
The woman who wears a great deal
of mack, no matter how handsomely or
simply it may be made, is always well
Dressed. If she is sallow and sickly
looking, with dull eyes, she must never
wear all ulaCk, but must always wear
a touch of white or some becoming col-
or up around the neck. If she is
youthful, with fine skin, bright eyes
incl a pretty coloring, then all his ck is
decidedly the most fitting thing she
can wear, particularly if her hair be
me of the blonde colors.
Dark shades are always the safest
things to wear by daylight. especially
f one is in doubt as to the harmony
)etween light tints and her complex
‘on. The . well-dressed stout woman
lever affects rough, shaggy materials,
is they only add to her size. Nor does
she wear large figured goods in he:
gowns or wraps. If r-‘he is short she
has onlya simple, narrow foot-trim-
ning to her dress-skirts, and never (Rf-
' fects fussy effects in any feature .lf
tier dresses. The tall, slender woman
2311 wear almost anything ‘she likes,
so long as she studies her require.
nents of color and is c-lreful about
getting into her clothes gracefully. A
:ailor—made gown is always in good
aste, and black is always suitable fol
the business woman, shirt waists of
ill kinds being indispensable at any
:ime of the year—Mary Katharine
Howard in the Woman’s Home Com-
panion. »
A pister’s Influence.
“Gain your brother’s confidence, my
lear girl, else you will have no infill-
lnce over him,” writes Ruth Ashmore,
)f “A Sister’s Influence Over Her
Brother,” in the Ladies’ Home Jour-
lal. “Force yourself to be intlresicll
n whatever he tells you. Let no es-
:ort be as charming to you as he in.
Make him find pleasure in the same
society that you do, and if for some
:eason he finds it tiresome, then ar-
range to go in another set, always a
good one, which he will appreciate
1nd in which he will be appreciated.
if you have any accomplishment, urge
your brother to be a student with you.
if you are a good pianist, never re-
fuse to play the tune he likes, and if
(on can induce him to take up the vio-
.in or mandolin, or even the banjo.
:0 much the better, for then you two
nay be companions in melody as in
ife. Never forget how much a man
ind especially a young man, likes to
ac remembered. The tiny token on
llS birthday, the remembrance on the
loliday, the little letter of congratula—
:ion sent when he has succeeded either
11 his studies or in the business world
—nonc of the small pleasures of life
we wasted on a brother. A brother is
very often the reproduction of his sis-
:cl‘. It is as if he were a mirror into
which when the sister looked she
found reflected all her faults and most
)f her virtues.”
The Art of Walking Correctly.
It is the setting of the foot directly
.n front instead of by the side of the
fiber that produces the ugly, lurching
movement, and the still uglier shaking
)f the hips in walking.
The prettiest and quietest walk is
that obtained by slightly pointing the
foot, then placing its ball on the
ground, resting on it for the fraction
of a second, and very lightly and al-
most imperceptibly raising the body on
.t toward the toe before following it
with the other foot. This may sound a
slow and complicated movement—in
teallty a very little practice will soon
teach it, and one may walk as fast
15 one pleases as soon as one has ac-
;nired the art. It may be remarked,
n passing, that if one always remem-
aers to keep the toes slightly pointed.
aithel‘ in walking or sitting, the instep
)f even the flattest foot would gradu-
illy grow arched. The boot always in-
dicates the tread of the wearer. It is
often trodden down unevenlyeon one
side, showing that the foot turns over
too much on the outside or inside. It
sometimes points upward at the toe,
the sign of a flat foot. It is only
when the greatest sign of wear is to
be found in the sole'of the ball of the
foot that one may conclude its wearer
walks well. '
Rest During the Day for Insomnia. '
Those afflicted with insomnia can
often secure for themselves a full and
restful night’s sleep by lying dewn in
the afternoon for an hour or more and
sleeping if possible. Another method
)f overcoming wakefulness is to lie on
lounge or bed a short time after din
uer and remain quietly in the dark
during the evening. At 10 o’clock or
whatever the usual retiring hour is the
victim of chronic Sleeplessness should
go regularly to bed. These very sim-
ple suggestions are set down because
so few persons seem to realize that by
remaining up all day and until late
evening in the hope of securing a good
night's rest, they weary themselves
unduly and excite their nerves to the
point of exasperation. Relaxation
snould be the habit of the insomnia
tormented man or woman. As a, rule
this class of sufferers keep keyed up,
encouraging themselves in a perni-
cious habit of a fluttering activity of
mind and body. Nothing is so much
worth while to the sleepless person {is
curing that serious tendency. A Whole
winter‘s devotion every evening as
well as night to quiet resting is not
to heavy a price to pay for the boon
of being able to sleep eight consecu-
tive hours night after night.—-Philadel~
shin Ledger. '
.. .- .......:L .....-'.........:A.........._..-.... .
.5
Road-Making and Road-Keeping.
The great secret of succeés in road
making and road keepingis to drain
the roads, and keep the roads drained
by keeping the ditches open. The old
method was to run a. plow through the
side ditches and throw the disturbed
soil, sod and all, in the middle of the
:oad. There it would stay till a heavy,
.ain came to wash the soil back into
the ditches and fill them up again. If-
here. were money enough this kind of‘
him: would be done over and over;
igain, as often as four times a yea-r.’
Where there were wet spots, broken
stone or gravel would be placed in the f
pad and left for the passing wagon to ,
wear this material into ruts. The 1
Honey spent was absolutely thrown:
lway. By the new process all the 7
Dad mendel‘ needs to do is to provide f
lilche's and outlets for them, and then 1
to shape the road so that the water
falling in a rainstorm will run off at;
ince into the ditches. The water:
nust not be suffered to run in the road
but OK the road. The rainfall, being
hus simply and effectively disposed of, :
)ecames a most beneficial instead of;
lestructive agent; it cleans and shapesi
ind hardens the roadbed, instead of;
vashing it away and deepening the:
:uts. When there are wet places, ;
.uch as springs, in the roadway, gravel '
lnd broken stone will not cure suché
.hings. The water must be drained!
lff underneath the roadway and intoi
he ditches by means of pipe or blind;
[rains—Troy Times. 3
«i
The opinion that buckwheat is a bad;
Top to precede turnips is very gener—
llly held by the farming community,;
some farmers going so far as to say‘;
hair it acts as a poison not only t'oé
:urnips but to other crops. The fol-{
owing experiment may throw somei
Buckwheat for Turnip Field. !
l
i
I
ight upon the subject: A piece off.
and that had already produced tut—é
lips was divided, one-half being sown}
o buckwheat and the other being fal-i
owed. When the buckwheat was !
lpening it was cut, passed through a!
'eed cutter, the chopped stuff returned 1
o the soil from which it was cut, and ,
hen turned under. In a short time a?
ltand of young buckwheat appeared!
ind was allowed to grow a few inches.
30th plats were then spaded and sown 3
o turnips. In every respect, save the?
growing of buckwheat upon one of:
hem, the two plats were treated alike. f
While the crop was harvested the. snl-i
lble roots upon the buckwheat plat.
vcighcd more than four times as much ;
[S the salable roots upon the followed 7
)latt. The salable roots were much
more numerous and smaller upon 1th
'allowcd plat.
Convenience of a Bank Account.
The avcragc farmer should be 'a pa-
.ron of a bank. If he would conduct ,
iis business in the most profitable;
nanner he must have a small cash,
:apital all the time. Country banks;
ire willing to open accounts withi
:hose who never carry very large.
linounts on deposit. When a crop is
;old the money should go into the1
Junk, and supplies should be paid
with check. The depositor in a bank
13s a sort Of financial standing in the.
)usincss world. He can order goods
from a distance and send his own
:heck with the order in payment. HO
s in a position to close, to buy where
1e pleases, to pay as other business
gays, and need ask no favors. It is
)etter to borrow the money absolute~
.y needed in the year‘s farm business
ind deposit it in the bank, ready for
iraft, than to be placed at the disad-
vantage of letting dealers and neigh-
DOI‘S carry one in credit. The latter
method is a ruinously costly one, no
matter Whether the fact is fully real-
zed or not, and must be decidedly un-
pleasant. g
The Keeping of the Yard.
A writer in Farm and Fireside says:
‘When shall we see our farmers learn
the law of what we sometimes call
averages;’ that is, making their homes
equally beautiful, neat and attractive,
an all'sides? Nothing is more absurd
:n the country than the habit Of cre-
ating a cltlfied lawn in trout, over
which the lawn mower is incessantly
run, while in the rear of the house
ind about the barn there is utter neg-
lect of tidiness. Pick up the brush,
pile up the stones, let the walks and
drives go around the barn as well as
the house, so that you will be glad to
have visitors look over the whole place
and expect that they will enjoy it as
much as they do your street frontage.
There should not be an unsightly or
unpleasant feature about the home-
stead, even if it includes fifty acres.
The woodlot, the glen, the brookslde,
the orchards should all be tidy and
cheerful. Let it be understood that
this is a matter which enters into fam-
ily culture, and upon which depends
the refinement of your children.”
Avoid Too Much Corn.
To secure the best hogs do not give
the pigs corn for the first four months.
Instead, provide good pasture and glVe
them all the oats they will eat.‘ After
they are four months Old keep a mix-
ture of corn and oats before them at
all times,
Potato Experiments. ,
According to some Cornell experi.
ments on general results in potato cul.
turc. it was shown that during the
ordinary, season seven to nine cultiva~
tions with a fineatoothed implement
are likely to give best results.
Norwalk Chronicler