Ural Jcmtunq, IMPROVED FARMING. „ I * ie ™ erc rising of heavy crops docs not of itself constitute good fanning, as the ex pense and outlay incurred may be exces sive, and entail an absolute loss. It is not an occasional heavy crop only, but such a system of management, as while it insures an average high scale of production, at the same time enriches the farnfer by its nett profits, and also keeps up the land, that can fairly claim to be called “improved farm ing.” Neither can a mere routine system be so called, which, however comparatively better than some others, rejects all innova tions, for no other reason than that they are innovations. There are also certain business principles to be observed, which embrace farming and other pursuits, viz. : the adaptation of means to ends. A ship ping merchant in the city would not locate himself away from the wharf, neither should a farmer within a few miles of a great city like Philadelphia, undertake to fatten cat tle, and depend on raising the great staples which can be grown more profitably on the rioh and cheap lands of the far West. The result of such errors is only to illustrate the oft-repeated saying “ that farming does not pa 3 -. It may be safely said that any system of farm management is unprofitable, which is not the best which surrounding circumstances and location admits of; and within twepty-five miles of Philadelphia, no man should complain that farming does not pay, who neglects to plow twelve inches deep, who neglects to give his land all the manure it requires to grow a full crop; who neglects to grow root crops and thus save his grain; who practices feeding cattle and growing grain to the neglect of dairy and market farming; who neglects to drain where draining is required; who persis tently grows ox-eye daisy, mock mulleift, dock, and thistles, which will'never sell, in place of grass, potatoes, and small fruit which always will sell; who does not SOW corn for soiling or for fodder; who allows all winter and all summer a drain of liquid manure from his barn-yard into the nearest ditch; who does not use the best labor saving machinery, or who neglects to have any work on his farm performed at the proper time; to have every thing put to its proper use, and to put and have every thing in its proper place. It is a very general complaint with those who own farms and live- off of them, that farming is a poor business; but recollecting that it is a busi ness, and making all proper . allowance for the fact, that such persons have other busi ness in the city, qnd that very few persons can properly attend to two distinct kinds of business in places some miles apart, and considering also that some of the sources of profit above recited are generally neglected, it is questionable, whether to say that farming don’t pay, may not be charging the farming business with more than properly belongs to it. —Rural Advertise}- CULTIVATING CHESTNUTS, We notice in an Ohio journal, a commu nication from Dr Kirtland, in relation to the culivation of chestnuts. He raised in his garden, from seed, the French, Spanish, and Italian chestnuts, some twenty years ago, which he transplanted, and which, when ten years old, commenced bearing crops. lie thinks they will pay well to cultivate, and also recommends the shelbark hickory nut for cultivation. He says the three kinds of chestnuts named are a’bout equal in quality. Is be sure of this? We find that the French is superior to either the Spanish or Italian, and we believe this to be the general opinion. But neither of them equal in quality our own native, though twice or three times as large. We have fruited neither, having only the French variety growing. While on the subject we desire to add, that we have often been surprised that farmers generally did not give some atten tion to the growing of chestnuts and Eng lish walnuts. On almost every farm is a plot of ground that is useless for farming purposes. Chestuts will grow almost any where, however poor and stony the land. No doubt the French variety is more pro fitable, from being more marketable than Our own. These can be raised either from the plant, or our native varieties can be grafted with them. .They grow as readily from the graft as apple or pear. Fven for home use, a tree or two of the French is very desirable. Plant them out, protect them from cattle, aud let them alone; and in course of time fruit will come in abun dance. But we desire to say a word for the Eng lish walnut. We consider this fruit as more profitable to cultivate than the chest nut. The tree grows readily, affords good shade, and will commence to produce tegu lar crops of fruit in ten years, and will add to'the quantity each year as the tree in creases in size. The fruit is much sought after in‘its green state for pickling; and in its ripe state is better than those imported from England. Its quality every.one rel ishes. The price it commands at the fruit erers will always doubly repay trouble and expense attending the gathering and mar keting. We believe the English walnut, as well as the chestnut named,, can be ob tained at the nurseries advertised in this paper. — Germantown Telegraph. WHEN TO PICK APPLES AND PEARS. The Prairie Parmer says :—Most people let apples-and pears become too ripe before they gather them. They want to see them fully ripe—ready to fall off the tree—before they pick them. This is wrong. If picked a few days before maturity they will keep longer, color more highly, and command a higher price in market. The precise time to pick is rather difficult to determine. The ' best criterion is to raise the fruit up and bend the stem over, and if the stem parts from the shoot without breaking, the fruit is ready to pick —whether apples or pears. Pear should be picked proportionally earlier than apples. The quality of the fruit is also improved by early gathering. After bejng piqk'ed, it should be put in tigjit boxes or barrels, and kept a few days in the dark, if of summer or fall varieties. Here they undergo a sweating process, and when the barrel is opened, the fruit will be found of the brightest crimson and richest golden colors. Half of the secret of success in THE AMERICAN PRESBYTERIAN, THURSDAY. SEPTEMBER 14. 1865 orcharding, is in knowing how and when to pick fruit, aud how to get it to market so as to command the highest price and readi est sales. Every one’s experience must govern him, and the more he studies this matter, the more expert he will become. We are anxious all our readers should think while they work —that the mind should be exercised as well as the muscle in farm operations ; and particularly should this be the case in fruit growing, where skill of the highest order will always be suitably re warded. SMALL AND LARGE FARMS, SMALL FARMS MORE PROFITABLE IN PRO- PORTION THAN LARGE ONES. Is this .a conceded fact ? I conclude so from the amount of testimony in favor of the proposition. But if so, is it a necessary consequence ? Most assuredly not. With intelligent supervision—with capital and labor in proportion—certainly there is fio reasotvwhy a large farm should not pay a better profit on its cost than a small one. A fifty acre farm requires-at least two-thirds as much value in buildings, fences, imple ments, and teams, as one of one hundred acres of equal value per acre. Then, ad mitting a single family for each, exclusive of laborers, you have as many non-producers in one case as the other- If associated effort can accomplish great ends in other business, why can it not in agriculture ? A man who has one thousand pounds of wool, all of one quality, can certainly make a better sale than if he had one hundred pounds. My neighbor, with bis one thou sand bushels of wheat, will be looked up by a buyer sdoner than I who have one hun dred to sell. On my fifty acre farm I have as many fields as my three hundred acre neighbor, and I am obliged to have almost as many gates and pairs of bars, while my fences occupy a much greater amount of land, in proportion, than my neighbor’s. He can put. one team*to plowing, another harrowing, still another hauling stone or manure, and so keep everything in its sea son ; while I most tug and toil alone, or with one man or boy, and do each of these separate. When he gets ready to plant, he has men enough to do up the job in time, while I am obliged to scour the neighbor hood for help or* wait other men’s motions. At harvest time he has men enough to “ man” his machine, while I, if lean afford to own a machine, am obliged to run my chances for help. So in thrashing. My three hundred acre neighbor has men and teams enough of his own, and I, of course, have to hire or “ change works” with some one or two in the same condition as myself. I might go on and multiply, ad infinitum,, arguments of the same character. Now, if it is the fact that small farms do pay better, in proportion, than large ones, it is owing to one or all of' the following causes;—A lack of capital, labor, or intelli gent management and supervision. A man may do many kinds of work alone to good advantage, but there are other jobs that require from two to ten men. Now, an hour lost by a late start in the morning would not be worth naming, in one man’s work, while, if the whole ten were idle, a whole working day would be lost. So in planning work. The kind of men we hire now-a-days rarely ever set themselves to work. If they get a job done, they are very apt to wait for the “ boss” to set them going again. We farmers, as a class, lack system. Large farmers are very apt to attempt too much for the capital, labor, and teams they employ;—yes, I may truly say, that they generally do this very unwise and unprofita ble thing. Another unwise operation they sometimes engage in : —-go into some out side speculation, ot get into some little petty office that calls them away from the .farm. They should go into the field with their men,- and stay with them, plan their work economically, encourage the willing, . “ Coaxing on the stubborn ones, Pushing on the lazy. ” , Three men with a good “boss” to -lead them will accomplish more than five alone. If a man is physically unfit to do that, let him seek out an industrious youngman.and give him a share of the profits of the farm as an inducement to faithful service. Above all things, be thorough and systematic —re- membering that whatever is worth doing at all, is worth doing well. Read the papers, compare notes with your neighbors, and by all means keep an accurate account of your receipts and expenditures in such a-manner that you will be able to tell what crops or stock pays you best; —and when tffiis is done, communicate the fact to the papers, so that other people may have the benefit of your experience. —Rural New Yorker. fpjscrilaram SOMETHING NEW EROM THE STUMP. General Howard, in his admirable and instructive address before the Maine Freed men’s Relief Association, a fortnight ago; said, in speaking of the possibility of the white and black races living together at the South in peace and unity : . “ Let me tell you my method of solving the problem—how to rid ourselves of this prejudice. It is, get more of the spirit of Christ. That will substitute love for hate in our prejudices. But you willsay, ‘ This is not practical; the love of Christ is not so wide spread as to render this available.' Well, then, interest will do it.” Commenting on this, the New York Times says, in a spirit, not we admit, char acteristic of the paper: “ Very unusual sort of talk, this, for the stump, and calculated, we fear, to be ex ceedingly distasteful to that wholesome public sentiment which turns with indiffer ence from every species of sectarian shibbo leth, and reprobates the needless introduc tion of religious considerations into secular discussions. If Gen. Howard could be transferred into some terribly-swearing department—some army of Flanders —he might be useful as a missionary. We do not, however, believe that his preaching will solve the great problem involved in the condition of the emancipated negro.” Now, in our opinion, as many wise things as Gen. Howard said in the course of his ad dress, this was, perhaps, the wisest, for there is nothing more certain, historically, than that, during the last eighteen hundred years, no other agency has been so poten tial in enabling men of all races and con •ditions to dwell peaceably together, in effa cing distinctions, and in diffusing the sense of brotherhood, as this very “spirit of Christ.” It overthrew slavery in the Ro man Empire; it gave the first great impetus to the abolition of serfdom in modern Europe; and certainly, if it was not to the more general application of Christian teach ing to the conduct of political and social life that we owed the commencement and the success of the emancipation movement in our day, we know not to what we did owe it. And, much importance as we at tach to wise legislation and vigorous en forcement of the laws, we sincerely believe that the final and. complete triumph of order and justice at the South, the general diffusion through the white population of a feeling of respect for the rights of ne groes, and the permanent foundation on the ruins of slavery of a stable, orderly, peaceable, and prosperous society, will only Borne when the Southern people have im bibed more of the “ spirit of Christ” than has yet fallen to their lot. Anybody who sets about re-organizing Southern society without recognizing this influence in his calculations, would prove himself not a statesman, but a charlatan. And it is be cause we desire to see this spirit do its work, and do it as speedily as possible, that we rejoice to see slaveholding brutality and violence restrained in the meantime by the strong arm of the law. No moral agency can act effectively ou men who are allowed, day by day, to gratify their devilish pas sions, their hatred of weakness, their fero cious pride of race and color. Look at the case of the Virginia shoemaker of whom our correspondent speaks, who declares that nothing so moves him to “ cut a nig ger’s throat from ear to ear” as to see him testifying in a court of justice. The first thing to be done with a barbarian of this sort is, of course, to restrain him from the commission of evil by the strong arm of the law, but what, we should like to know, will ever banish the anti social passions from his heart, and give him a right sense of what he owes to his neighbor, if it -be not the spirit of Christianity ? General Howard’s language isj we admit, “ very unusual sort of talk for the stump,” and more is the pity. We dislike as much as anybody the practice of dragging in re ligious ideas or religious allusions to give weight arid eclat to every propo sition that may be propounded on the ordi nary topics of the day, in the press or on the platform. But no discussion of the right or wrong of slavery, no inquiry into the claims of men, as men, to equality be fore the law, in which the teachings of Christianity are not acknowledged to be the final source of instruction arid of con fidence, can ever bear any real fruit. And no settlement of affairs at the Sod th which is not in the eye of the people clothed with this supreme sanction, will, we fear, ever prove lasting or satisfactory, for no laws ■which are not supported by the moral sense ’ of the community can ever be thoroughly efficient. The trouble with Southern society in times past has been that it has been prac tically a pagan society. The separation between religion and morals iu it has been all but complete; the restriction of men to custom as their sole rule of life, all but general. They had borrowed their politi cal and social philosophy from heathen Rome, with simply a little tincture in it of the amenities of modern civilization. Aris totle and Cato furnished the sources from which Southern statesmen and patriarchs drew their social science, and probably nothing in modern times has done so much to shake the hold of the church on what was host amongst the people, as the shame less facility with which she lent her sanc tion to plantation theories of human rela tions. So that it is now, and now only, that the social influence of Christian teach ing can be fairly tried at the South, and we for our part are satisfied that the final pacification must come from it—from the thorough perception of the equality of men, and the thorough apprehension of the legal, consequences from it, which the modern world has derived from the diffusion of the spirit of Christ, and, - we might almost say, from this alone.— The Nation. RELIGION TO BE CARRIED INTO BUSI NESS. . Let no calculation of advantage or profit, no keenness of competition, induce the mer chant, the manufacturer, or the tradesman to neglect* the indication of right and wrong furnished by the ready application of “The Royal Law” by conscience. You’are not mere money-getters or money-worshippers. If gain is to be gotten, it must come with’ God's, blessing and consistently with; the obligations and professions of a disciple of Christ.! For the religion of Jesus Christ is not for holy days and holy places only—- a few times and seasons and duties and. re lationships and circumstances. A religion based, indeed, upon the most stupendous facts of Divine wisdom, power, and love; a religion involving sublimest truths and prtfk pounding loftiest motives, but descending to and embracing—ay, and ennobling and consecrating—life’s humblest duties, its* most trivial occurrences and occupations. A religion not to ‘be donned and doffed at pleasure; not to be reserved for out-of-the way and exceptional cases, as too sublime, too subtle, too transcendental for daily wear and fear ; but a religion to regulate our most secular engagements, and among them the commerce of the merchant prince and the sales of the retail storekeeper. The religion of Christ is a religion for ledgers and counters, no less than for churches and* death-beds. And because professors of Christ’s religion forget this, they: are .stumbling-blooks to weak brethren and to a sneering world. The men who brand religion as “ cant,” and its profess ors as “puritans” and “saints,” are trium phant at the exposure of some petty fraud or wholesale trickery of some loud professor whose religion is too high and transcenden tal to take cognizance of, or to enter into his commercial dealings. A good Church goer this—-a strong Sabbatarian—staunch in his Protestantism —may be a communi cant —well versed in Greeds and Articles and Confessions of Faith—texts at his fin gers’ ends—quite “ made up” on the CaL vanistic and Arminian Controversy—knows* the pros and cons of the Establishment question —gives his judgment of a sermon, like a theological oracle, as regularly as. he hears one. But we have a bargain to strike with him. We stand at his counter to lay out a few shillings. Wo must keep our eyes open, and have our wits about us. “ The Royal Law” has no place here. He has family prayer up stairs. He was de mure and sanctimonious, even to grimace, as we looked at him in his pew, but yester day. But he seems to have possessed him self of a dispensation from God or priest or minister, as to this “ Royal Law.” He has, it should appear, a plenary indulgence exempting him from the Golden Rule, and allowing him in white lying over his coun ter. And he will put us off with a packet of adulterated goods, with an unruffled con science and complacent courtesy; and stamp on an inferior article, produced per haps within his own four walls, the name of an eminent manufacturer. Sueh unsound professors have need to be reminded that ■neither Calvinism nor any other ism in the head or on the tongue will pass muster. Church-membership, household forms, will not prove them Christ’s. “A false balance is abomination to the Lord, and they that deal truly are his delight.” Shall I count them pure with the unjust balances, and slean with the deceitful weights ?”—Sun day Magazine. TOO ACTIVE TO FREEZE. I looked to nature. It was a clear, cold, bright winter’s day. The crisp, untrodden snow which covered the landscape, sparkled in the sunlight, as if with millions of gems. The little stream, that in summer was al ways dancing and singing by the wayside, was now completely frozen over, silent and still under its iey covering; but as we ap proached the mill/.where a little fall was visible in its channel, there it was leaping and sparkling as merrily as in the midst of a suminer’B day. Cold as it was on every side, and frost-bound as the stream was above and below, here it was too active and busy'to freeze l From nature, I turn to history. It is sunset on the Alps. A traveler is descend ing from the summit, when a storm arises, and the winds blow; and the snow filling the air, rapidly buries all traces of his path. He struggles on till his way is lost, and night sets in in its horrors, when, bewil deredjl ..discouraged, exhausted, he sinks down'to die. The last thought has been given to home- arid kindred and friends, and his soul commended to his Redeemer, aud the numbness! is already stealing on his senses and limbs, when a sound of distress is borne on the tempest to his ears. It is an appeal to his humanity, that rouses him even from the stupor of death. With an. effort he rises and follows the sound as it is repeated, and soon finds a fellow-traveler like himself benighted and exhausted, and lying down to be wrapped in the winding sheet spread by the tempest. Earnest for his brother’s safety, he puts forth every effort, to rouse and animate and raise him; and his exertions are crowned with success. His activity has kept himself from freezing, and saved a fellow-being from death ! From nature and history I turn to the church. A disciple who has every motive to faithfulness is getting cold, indifferent, unspiritual.! . He has entered the back slider’s path, and is making rapid progress in it, when by the providence of God, and a word from his pastor, he is led to become a tract distributor and a teacher in the Sabbath-school. Before, he was in danger of freezing, and becoming cold himself, and like a mass of ice, diffusing a chilling influence around him. But now, he is too busy to freeze. Activity is giving him a glow. Motion is developing heat; and already others are gathering warmth from his example, and led by it to efforts in the cause of Christ, and for the souls of men. The water, the traveler, the disciple, each has a voice for us. We must be dili gent, devoted, earnest in our Maker’s ser vice, if we would be kept from being cold and lifeless and useless. We should aim to be too active to stagnate, too busy to freeze. We should endeavor to-be like Cromwell, “ who not only struck while the iron teas hot, but made it hot by striking” — like the missionary who said—“ If therebe happiness on earth, it is in laboring in the service of Christ!’ —like the blessed Re deemer, whose meat and drink it was to do the will of God. The vineyard'must be cultivated; and the command is, that we dnter it and work. There is work enough to be done, and the injunction-is, that we do with our might what our hands find to do. To be healthful, we must be active; to be happy, we must be usetul; to receive the promise, we must do the will of God: we must be diligent, active, earnest., if we would make our calling and eleciiou sure, and have at last .an open and -abundaut entrance into the kingdom of our Lord aud Saviour Jesus Christ. “Be thou faithful unto death, and I will give thee a crown of life.” "LET HIM THAT HEARETH SAY. : - . ‘COME.’’’ ! Though to ministers of the Gospel be longs me high pre-eminence of being “ fellow-laborers with God,” yet such honors are not reserved exclusively for the pulpit. The youth,"who, finding Sabbath rest in Christian, labors, holds his Sabbath class; the mother, with her children grouped around her, and the Bible resting on her knee; the friend who deals faith fully with another’s soul; any man who kindly takes a poor sinner by the hand, and seeking to conduct him to the Saviour, says, “ Come, with us, and we will do thee good”—these, not less than ministers of the Gospel, are “ fellow-laborers with God.” Where sinners are perishing, where oppor tunity offers, where a door is op'en, where the rule, “ Let all things be done decently and in order,” is not violated—call it preaching, if you choose, but in God’s name let hearers preach. Has God gifted any with power to speak of Christ ? Then, with such high interests at stake, from forms which churches, not their Head— man, not God, has established, we say, “ Loose him, and let him go. “ Let him that heareth say, ‘ Gome;’ and let him that is athirst come; and whosoever will, let him take* the water of life freely.” Daring a heavy storm off the coast of Spain, a dismasted merchantman was ob served by a British frigate drifting before the gale. Every eye and glass were on her, and a canvas shelter on deck suggested the idea that there might jet be life on board. The order instantly sounds to put the ship about, and presantly a boat puts off to the wreck. They reach it; they’ shout, and now a strange object rolls out of that canvits screen against the lee shroud of a broken mast. Handed into the boat, it proves to he the body of a man, bent head and knees together, and so light that a mere boy lifted it on board. It is laid on the deck; in horror and pity the crew gather about it—it shows signs of life— they draw nearer—it moves, and then mut ters in a deep, sepulchral voice, “ Then is another man!” 'Saved himself, the first use the saved one made of speech was to save another. Oh, learn that blessed les son. Be daily practising it. And so long as in our homes, among our friends, in this wreck of a world that is drifting down to ruin, there lives an unconverted one, there is “ another man.” Let us go to that man, and plead for Christ; and go to Christ, and plead for that man: the cry, “ Lord, save me, 1 .perish,” being changed into one as welcome to the Saviour’s ear, “Lord, save them,' they perish !”— Guthrie’s Gospel in Ezekiel. THE AMERICA HAVELOCK. In the admirable sketches by Major Nichols, of the “ Great March” of General Sherman, the author furnishes the follow ing interesting portrait of General Howard : “The comparison of European and American soldiers suggests another. Gen eral Howard, who had command of oar right wing during this campaign, has yiften been called the Havelock of the army; and the parallel is not unnatural, for both the hero of the Indian campaign and our own distinguished General will rank in history as perfect, types of the Christian soldier. General Howard is a whose religious convictions are intense, positive—entering into and coloring every event of his life. TV hen exposed to fire, there is no braver man living than he. He does not go into action in the Cromwellian spirit, singing psalms and uttering prayers,'but with a cool and quiet determination, which is in spired by a lofty sense oi a sacred duty to be performed. His courage is a realization of the strength of a spiritual religion, rather than a physical qualification. The General is constantly censured for rashly exposing himself to the fire of the enemy; but it is difficult to say whether such censure is just or not, for every commander of a corps of an army should himself be the best judge of the necessities of the hour. Na poleon at the bridge of Areola was an ex ample. History shows that more battles have been lost, or gained at heavy cost, be cause the commanders did not know the nature of the ground they were fighting (Over, than for any other reason. Such a criticism cannot be applied to .General How ard. He sees the whole field of operations, and has an admirable tactical knowledge of the best use to be made ot its advantages. It is a high compliment to his worth as a man and a soldier, that he should have been chosen by General Sherman to the com mand of the right wing of the army. Gen. Sherman may not he a religious man, in the sense that Howard is, but he valued and respected Howard all the more for his Christian faith and practice. In the direc tion of a march, in the accomplishment of an arduous or dangerous duty, -when speed and certainty were required, he knew that Howard would never fail him. In the re cord of four campaigns there stands no in stance of his dereliction from duty; while many a march and battle-field bear witness to his energy, perseverence, soldierly skill, and manly courage. “ Howard lost his right arm at Fair Oaks, during the bloody Peninsular cam paign. There is a wondrous pathos in an empty sleeve; but regret for Howard’s affliction ceases when one looks into that kindly face, with its loving eye and gener ous mouth—a face full of patience, gentle*- ness, and manly resolve. It is a beautiful tribute to General Howard and his profess ed Christian belief, that his influence upon those about him is positive. There is but little use of liquor, and a most ’ gratifying absence of profanity about his headquarters. -I shall never forget his gentle rebuke to a soldier, who, in the very presence of death, was swearing in a decided manner —‘ Don’t swear so; my mat. You may be killed at any moment. Surely you do not wish to go into the next world with dreadful @aths upon your lips!”’ INTEMPERANCE AMONG WOMEN. The alarming statement was made in the Temperance Convention at Saratoga, that the names of thirteen hundred rich men’s daughters, in the State of New York, are on the list of applicants for admission to the Inebriate Asylum at Binghampton, in that State. This may be somewhat of an exaggeration; we trust that it is so. But no one who hears and reads the reports cir culated concerning the present habits of fashionable society, can doubt that intoxi cation is fearfudy prevalent there, though not apparent to the world as it is among the degraded classes. That it should be so is not strange. Wine is used freely at the evening party, in the Christmas holidays, at the sea side, and at the Springs. And now, as in old time, “ wine is a mocker; strong drink is raging.” It will make its power to mar and to destroy, to be felt upon female purity and loveliness, as well as upon the strength of manhood. The only way of perfect safety to either male or female, is to be found in obedience to the divine injuction which saith : —“Look not thou upon the wine when it is red, when it giveth color in the cup, when it moveth itself aright.” Those who addict them selves to its use, whether men or women, will learn with bitter experience, that “at the last it biteth like a serpent, and stingeth like an adder.” THOMAS RAWLINGS, Jr., HOUSE AND SIGN PAINTER, Broad and Spring Garden Streets. |u.sitraiixE ©mitpaims. INSURANCE AGAINST ACCIDENTS EVERY DESCRIPTION, BY THE TRAVELERS’ INSURANCE COMPANY, HARTFORD, CONN. CAPITA!,. WM, W. ALIM, AGENT. 404 WALNUT STREET, PHII,JU)EIPHIA. 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Hazardous Risks taken at Hazardous Rates. Policies issued for 5 years for 4 years premium. INDUCEMENTS. The rates of premium are less than those of any other Company covering the same risk. No medical examination is required, and thousands of those who have been rejected by Life Companies, in consequence of hereditary or other diseases, can effect insurance in the TRAVELLERS’ at the lowest rates. # iiife Insurance Companies pay no part of the prin cipal sum until the death of the assured. The TRA VELLERS'’ pay the loss or damage sustained by per sonal-injury whenever it occurs. The feeling of security which such an insurance gives to those dependent upon their own labor for support is worth more than money. No better or more satisfactory use can be made of so small a sum. J. G. BATTERSON, President. RODNEY HENNIS, Secretary. Gr. F. HAVIS, Vice President. HENRY A. DYER, General Agent. Applications received and Policies issued by t| WULIAM W. ALLEN, 983-6 m No. 404 Walnut Street. AMERICAN 11IRUMJU1 tut cm Walnut Street, S. E. cor. of Fourth. INCOME FOR THE YEAR 1864, $357,800. LOSSES PAID DURING THE YEAR AMOUNTING TO $85,000. Insurances made upon the Total Abstinence Rates, the lowest in the world. Also upon JOINT STOCK Rates which are over 20 per cent, lower than Mutual gates. Or MUTUAL RATES upon which a DIVI DEND has been made of FIFTY RER CENT., on Policies in force January Ist. 1865. ♦ THE TEN-TEAR NON-FORFEITURE PLAN, by which a person insured can make all hia payment in ten years, and does not forfeit, and can at any time cease paying and obtain a paid up policy for twice thrice the amount paid to the company. • ASSETS $lOO,OOO U. S. 5.20 bonds, 40,000 City of Philadelphia 6s. new, 30,000 U. S. Certificate of indebteness, 25,000 Allegheny County bonds, 15,000 U. S. Loan of 1881, 10,000 Wyoming Valley Canal bonds, 10,000 State of Tennessee bonds, 10,000 Philadelphia and Erie Railroad bonds, 10,000 Pittsburg, Fort Wayne & Chi cago bonds, 9,000 Reading Railroad Ist mortgage bonds, 6,500 City of Pittsburg and other bonds, 1,000 shares Pennsylvania Railroad stocks, •' 450 shares Corn Exchange National Rank, 22 shares Consolidation National Bank, 107 shares Farmers 7 National Bank of Reading, 142 shares Williamsport Water Com pany, 192 shares American. Life Insurance and Trust Company, Mortgages. Real Estate, Ground Rent*, &c.,, 207 278 86 Loans on collateral amply secured!.. 1121755 73 Premium notes secured by Policies... 114,899 62 Cash in hands of agents secured by bonds. 26.604 70 Cash on deposit with U. S. Treasurer,-at 6 ? r 50,000 00 Cash on hand and id banks.. 50 331 67 Accrued interest and rents due, Janl i. ! 10*454 71 THE AMERICAN IS A HOME COMPANY Its TRUSTEES are well known .citizens in our midst, entitling it to more consideration than thoße whose managers reside in distant cities Alexander Whilldin, William J. Howard, J. Edgar Thomson, Samuel T. Bodine, George Nugent. John Aikman, Hon. James Pollock, Henry K. Bennett, Albert C. Roberts, Hon. Joseph Allison, P. B. Mingle, Isaac Hazlehurst, Samuel Work. ALEX. WHILLDIN, President. SA9HJXL \VOBK, Vice-President. JOHN S. WILSON, Secretary and Treasurer. WALLPAPER DECORATIVE AND PLAIN. 11l HOI SHADES & FIXTURES. Beautiful colors. An immense stock at greatly re duced prices, at JOHNSTON’S GREAT DEPOT, 1033 SPRING GARDEN ST. below 11TH. Country trade invited. JOHN C. CLARK & SON, PRINTERS, STATIONERS. AND BLANK BOOK MANUFACTURERS, riooo-6m 330 DOCK- STREET. steam' and gas fitter, T. V. RICHARDSON, No. 27 South Sixth Street, v ABOVE CHESTNUT, PHILADELPHIA. Hydrants made and repaired. Baths and all other Plnmbmg. Work; done at shortest notice Halls, Churches, Stores, Dwellings, &c., fitted up for Gas and waranted to give satisfaction. Country Work attend- .$500,000 $391,136 50 $966,461 79
Significant historical Pennsylvania newspapers