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THE" PITTSBURG', DISPATOHT '-PRIDA "TEBRTJAStY '18,& "Tl891
v
Forty-fifth'Annual Report
'" OF THE
COMEGTIGUT MUTUAL
LIFE
IKSUSASCE COMPAHY.
To the Haulers:
The year 1890 completed lorty-five years
cf service by this company to its constitu
ency. How great that service has been and
how great an one is still in progress, may be
seen from this summary:
In 45 years.
Received premi
ums S161.25S.91S 77
Interest and rents.. 61.3Z1.2d5 27
Balance profit and
loss 967.120 IS
f228.717.S21 52
Paid death claims
and endowments. 77,251.373 SS
Surrendered poli
cies 2a.0iS.2S4 42
Dividends 4S.512.732 60
Tctal paid to pol-
lev holders and
beneficiaries 5U5,S35.390 SO
Expenses of man-
Cement 19,566 916 CO
Tjses 7,055,9.3 OS
$172,458,230 48
Balance net or ledgerassets S57.2S9.094 04
Adding for accrned interest, market
Talues of bonds above cost, deferred premi
ums, etc, S1.45S.613 40, the cross assets
December 31, 1890, were 58,747.70" 44,
protecting C4.14" policies for S153.234.V42.
with a present liability of $53,175,707 25
and a surplus ol 55,572,000 19.
The sum of payments already made to
policy holders and beneficiaries and of the
gross assets held to protect existinc policies
exceeds the total premiums received by
540,324,149 47.
This work has been done at a ratio of ex
pense oi management to income of 8.51 per
cent, an economy unequaled in this country.
THE TEAK 1890
has had its full share of service and pros
perity, and witnesses a continuing growth
in cumbers, in amount at risk, in assets and
in surplus, at a decreased ratio of expense.
During the yer the company received:
For premiums. M.416575 33
For interest and rent.. 3,029.055 49
Balance profit and loss 369.410 01
Total income S7.S15.011 43
Durinctheyearit paid out:
For claims by death and
matured endowm'ts..Sl,224,503 65
Snrplut returned to
policyholders l,147,Sil 79
Lapsed and surren
dered policies 461,706 90
Total paid policy holders S5.S33.592 34
Commisions to agents, salaries,
medical examiners' lees, printing,
advertisinc. lesal, real estate, and
all other expenses of manazement 732.610 05
T"6 29ioS6 21
Total disbursements S6.85S.7SS 63
Leaving a balance of 595G,252 SO to be
carried to the increase of net or ledger
assets.
INVESTS! EST OPERATIONS, IKTEKEST
ASD KEXTS.
The interest income shows a natural in
crease over the previous year. The rents
hate diminished in volume, though not in
percentage, by reason of the continued sale
of real estate, the funds from which pass into
interest-bearing securities, which, during
the year of sale and reinvestment, affect the
item of accrued interest more than that of
interest received.
It is a satisfaction to us to learn that an
other company one of the largest in Kew
Encland is seriously considering the re
duction of the rate of interest assumed in its
calculations from 4 per cent to 3 per cent,
thus practically indorsing the like action of
this company in 1882, in which we have
hitherto stood alone. Each year's experi
ence increnses our satisfaction at having
taken so important a step at so early a date
and before its necessity exerts an actual
pressure on existing contracts.
rKorii axd loss.
During 1890 the comnanv completed sales
of three pieces of real "estate at a loss of
55,729 20 on its cost, and of 41 pieces at a
profit of 5297,147 17 over cost, a net gain
or 5291,417 97. From the sale and ex
change of securities and from sundry sources
it made a further profit of $77,992 04, mak
ing a total profit of 5369,410 01.
EEAL ESTATE.
During the year 1890 we made completed
sales of properties tlut had cost us under
foreclosure $1,041,187 77 for $1,332,005 74, a
gain over cost of 5291,417 97.
In the aggregate the company has sold of
such foreclosed property, acquired at various
time, iiu amount which has cost it ?9,1C1,
992 92 lor 510,469,798 54, a gain over cost of
51,307,805 62. This statement includes all
sales, wiietner closing out properties or not;
but no profit is credited until the entire
property taken in any case has been sold, or
enouch of it sold to cover the cost of the
whole, in which case subsequent sales are
credited to profit. In several iustances
enough of the property has been sold to pay
the cost and the remainder stands at aotb"
5nc on our books and makes no figure in our
income or assets until actually sold.
The cost o! present holdings ot real estate,
including the company's office buildin". is
57,GC2,865 54.
BONDS.
"Vc have sold or have had matured and
paid during the year bonds costing 5614,
902 50, and have purchased bonds costing
5595.144 75. Our aggregate holding of Gov
ernment, municipal and railroad bonds
Hands at a cost of Sll.155.464 64. Their
high character is evidenced by their siight
shrinkage in value during the financial
stringency of the past year, which materially
affected the average price of bonds.
SEA I. ESTATE 1.0 A NS.
During the year loans to the amount of
i,tbl,b! JU have been paid, and loans have
been made amounting to 57,665.765 48 This
class ot loans now amounts to 535.674,585 53.
MOJiTALITY.
The general death rate of 1890 was consid
erably increased by the prevalence of winter
epidemic, and we did not wholly escape
their effects But our mortality has been
well within the expectation, civiug usa sav
ing on tabular cost of about 5440,000.
It seems proper to point out to our mem
bers that in respect of the death hazard we
are pursuing what is fast becoming, by com-p-irison,
a very conservative course, and one
which will give them an increasing relative
advantage in the cost ot their insurance.
"VYe spare co pains to secure the most com
petent medical examiners, who are wholly
in our interest and in the closest confidential
relations. Our standard of selection is high
and rigidly maintained. Our ambition lor
great quantity is not such a ro lead us to
cover the globe with our agencies, thus ex
p'ft iij ourselves to a loss hazard not always
well known, leaving the selection of foreign
risks to be wade without the possibility of
effective control, and necessitating the per
manent deposit with foreign governments of
a great and growing proportion of the assets
lield 'or common protection. "Ve believe
that these things must unfavorably affect
the cost of insurance m the long run, and
that the administrative duties imposed by
the principle ot mutuality are best dis
charged by a restriction of the business to
our own country, where the hazard is thor
oughly known, where we can Idlly control
selection of risks and retain complete and
unembarrassed control of the resources with
which we must meet our contracts.
EXPENSLS.
The ritio of expenses of management to
income for 1890 was 9.37 per cent as against
2.98 in 1889; a reductmu of over six-tenths
of 1 per cent from a l.itio which was lower
tl.au that of any oilitr company and not
u!.f-half thfit ot aw .-rejicst competitors.
Ksonomy is a niodt-K j.i .litv. It does not
dazzle the imagination wjiii the glitter oi
itn?1-c:t. ItSquieilv nourishes iTs charge
into great Iruillulness; Inr. it is suggestive
of restrained and calculated effort rather
than of that unbounded ambition which
grasps so widely as to compel the use of all
possible means regardless of their cost.
Magnitude of operations and boldness of
enterprise are to-day chief attractions con
stantly dwelt upon by most of the great com
panies to win the applause of an enterpris
ing public, regardless of their unprece
dented and enormous expense. The sober
wayjis for the moment discredited with the
majority, for its want of brilliancy.
But the truth never changes to suit our
moods or ambitions. Security being assured,
the thing of chief importance to the policy
holder is the individual yearly cost of his
policy. He is the man that pays the ex
penses. His premiums pay the losses and
expenses and furnish the invested assets that
earn the interest. No one else is doing it
for him. Many of the companies that a few
years ago took only 510 to $15 for expenses
out of every 5100 of premiums and interest,
are to-day taking from 520 to 525 all lor
the race for magnitude. That extra 510 or
515 for expenses out of every 5100 comes
also out of the poliey holder. What is
magnitude to him that he should so dearly
pay for it? It makes his policy no more
secure; it does not otherwise lessen its cost
one dollar.
And to whom does the management of a
mutual company owe a duty that should
control all its methods, if not to those who
already and solely compose it its present
policy holders?
"We have been and still are held up to dis
credit by the Bacers, because at one time we
allowed our business to shrink in volume
rather than incur such an increase in ex
pense and use such adventurous methods as
alone would then have allowed it to grow;
and because, since it began again to grow
again without increase of cost or change of
method, we have cared more to keep down
its cost than for rapid growth. "What is
rapid. growth worth to a mutual company of
04,000 policyholders lor 5153,000,000 that
thev should pay an extra and heavy cost
for"it?
"We are giving Insurance to our present
members at the lowest cost attainable to-day
lower on the average and as to the whole
body than any other company; we are taking
on new business on terms which make it
profitable to present policy holders; we are
taking it on taster thau the old is going off;
humanly speaking, the perpetuity of the
company at Its present rate of prosperous in
crease is secure. "We count all that the
only true and enduring success in manage
ment, and a review of our yearly operations
shows it to be one of no mean proportions.
EFFECT OK" AGENTS.
By far the largest item of the expense ac
count, the thing in it which costs the policy
holder most, is the compensation to agents,
who are engaged in the business as a means
of livelihood and to whom, therefore, every
increase in commissions by a rival company
is a powerful incentive to change their con
nection and a source of discontent if they do
not so change. The company which pays
the highest commission will draw to it at
last all the agents who care only for the
commission and nothing for what becomes
of their customer afterward. It will get
most of the new men entering upon agency
work and who have not yet learned that the
higher tbeir own pay the less the dividends
to their policy holders and the less per
manently desirable the company.
We have seen our rivals advancing com
missions and allowances of every sort, from
two to three times more than we could pay
without cutting our dividends, and devising
plans for postponing all dividends from 10
to 20 years, and a speculative system of for
feitures to cover up expenses and supply
profits, and so taking away many agents
and keeping away many more that would
have come to us.
We have not an efficient agent who has
not been tempted to leave us lor higher pay,
and who has not staid with us at a sacrifice
for the time being. They have preferred to
remain because they havo shared in our con
viction that this should he a policy-holders'
company, and have not been willing for a
price to offer the public that which
they could not themselves believe
in, at a cost which they knew
could not be justified. Against the
temptation of speculations, rebates and
every extravagance of competition they have
made a hard, slow fight. It is now "a win
ning fight, and they deserve the respect of
our membership and its cordial co-operation
in the greater opportunity which lies before
them.
"We desire to extend to all who need them
the same benefits upon the same terms
which, through 45 years, have made this
company a conspicuous exponent of the sin
gular value to American homes of pure life
insurance. Our ability to serve was never
so great, our ground never before so certain.
"We ask every member to use actively his
influence with those whose families 'need
protection, to the end that we may widen
our usefulness, not only without increase of
cost in so doing, but in a way which shall
tend to benefit present policy holders ;: well
as newcomers.
THE CALL FOE EEFOKMS
Apropos of these matters, it is ol the high
est interest to note that some of the severest
critics of our conservative course and most
strenuous workers for a great volume of new
business are now trying to secure concerted
action to reform the methods by which they
have worked their results. The significance
of this is far-reaching. Unfortunately for
the success of such a purpose, they abate
none of the ambitions which led to the
vicious methods and which compel their use
until a more conservative standard of success
shall be accepted.
Meantime, it is a profound satisfaction to
know that their every step in reform must
lead back to theground we have persistently
held and hold to-day without need oi
change.
STANDING OF THE COMPANY.
On the 31st of December, 1890, this com
pany had in force 04,147 policies, insur
ing 5153,234,742. Its gross assets on that day
were S58.747.707 44. Its liabilities were
553.175,707 25. Its surplus was $5,572,
000 19, an iucrease during the year of $491,
823 58.
An examination of the schedule of assets
and their income leaves nothing to be said
for their high character.
The liabilities are computed upon a higher
standard of solvency than that used by any
other company or by any of the State De
partments. They calculate upon a basis
which assumes the earning of 4 per cent an
nual interest Our business up to 1882 was
written upon the same assumption. That
written since 1882 is upon the assumption ot
only 3 per cent interest. Our liabilities are
computed accordingly, and are therefore
much higher than if computed on the as
sumption of 4 per cent throughout; in which
ease our surplus would be considerably oyer
56,000,000. There is no stock to own or con
trol the surplus.
A mutual life insurance company is a co
operative effort by its members to secure for
their families the necessary financial protec
tion against the loss of the husband and
father. The essential elements of its success
are security, equity, loyalty to true purpose,
prudence, and economy. Its success is a
maximum ot family protection at a mini
mum ol cost By these things we stand to
be judged. By them all must, sooner or
later, be tested. Itespectfully submitted,
Jacob L. Gkeene. President
Malaria
Is believed to be caused by poisonous masmis
arising from low, marshy land, or from decay
ing vegetable matter, and which, breathed into
the lungs, enter and poison tuo blood. If a
healthy condition of the blood Is maintained by
taking Hood's Sarsaparilla, one is much less
liable to malaria, and Uood's barsaparilla has
cured many severe cases ot this distressing af
fection o en In the advanced stages when the
terrible chills and fever prevailed. Try it.
"1 havo sold three times as much Hood's Sar
saparilla as of all others combined in my 17
years in business." AV. D. Melick, Banbury,
Pennsylvania.
Hood's
Sarsapaplla
Sold by all druggists. SI; six for S3. Prepared
only by C. X HOOD A CO., Lowell, Mass.
100 Doses One Dollar
EECIPEOCITY IHD0ESED IK GEOSOIA.
A Board of Trade Telegraphs Its "Vlejrs to
Secretary Blaine.
Columbus, Ga., Feb. 12. At a meeting
of the Columbus Board of Trade to-night the
following resolution was adopted and a
copy telegraphed Secretary Blaine:
Roiolved, That tho Columbus Board of Trade
most heartily indorses the policy of reciprocity
of trade with foreign nations on the plan as
recently adopted with the Republic of Braill,
secured by tbo efforts of Hon. James G. Blaine.
Secretary of State, and that we regard this in
ternational treaty of trade one of the boldest
moves in the inauguration of a ;pollcy
which promises more benefit to our common
country than any act of recent American
statesmanship,
THE PBESIDElirS ADVICE.
He Talks Pretty Plainly to the Visiting
Sioux "Warriors.
Washington, Feb. 12. The Indian chiefs
now in the city called at tha White House in a
body at 1 o'clock this afternoon, and paid their
respects to the President They were accom
panied by the Commissioner of Indian Affairs
and several interpreters. They raneed them
selves in a circle and listened attentively to a
short address by the President.
He pointed out the folly of their going to
war with the whites, and made it very plain
that if they made any more trouble tbey wonld
be punished. He told them tbey must teach
their young men not to be warriors, but citi
zens, and endeavor to earn tbeir own living by
some peaceful industry. The Indians then
shsok hands with the President and with
drew. CROUP, whooping conch and bronchitis Im
mediately relieved by Shiloh's Cure. Sold by
Jos. Fleming Son, 412 Market St.
Bargains in ladies' and misses' sailor
hats, fine French felt hat and bonnet shapes,
boys' cloth caps. Tarn O'Shanters and
beavers a special cleaning up sale in the
millinery department to-day (Friday).
Jos. Hobne & Co.'s,
Penn Avenue Stores.
The People's Store.
Ladies, call and see our new spring stock
of corsets, all the most desirable and popu
lar styles, shapes and qualities.
Campbell & Dick.
Marriage Licenses Granted Yesterday.
Num. v Ketldence.
5 David Harden v Pittsburg
Josephine bcott Pittsburg
(Harry Frank Jeannette
i Blanche Cohen Pittsburg
(8. V. H. Brers Allegheny
Margaret K. Pace..-. Allegheny
f Grant blnglser Pittsburg
1 Lydla Uamhart "Wllkinsburg
(Janes H. Watt Pittsburg
I Elizabeth M. Strlctler Pittsburg
) Paul G. Karthol Mifflin township
Anna II. Qnect Homestead
(Thomas Dindo Pittsburg
(Agnes Bateman l'ittsburg
(Maurice L. "Williams Knoxville
JMattle Jl. Allen Fayette county
I Frank Sebnch Dravosburg
I Catharine Ternon Camden
I James B Kyan Apollo
( Mary J, btewart Westmoreland
MAKKIED.
WHEELER PEEL At the Church of the
Ascension, Tonawanda, N. Y., February 9, 1891,
by Rev. J. N. Bustin, Charles H. Whexlxb,
of Tonawanda, and MabtPeel, of Pittsburg.
DIED.
BELL At Braddock. February 1L 1891.
John, son of John Bell, Esq., ClydeviewHouse,
Dumbarton, Scotland, in the 56th year ot bis
age, after a long illness.
Funeral on Fbidat, at 2 o'clock. Private.
BLOM On Wednesday, February 11. 189L at
4 A. Jr., Mrs. Agnes, wife of Henry C. Blum, in
her 22d year.
Funeral on Friday, February 13, 1S91, at 2 P.
M.. from ber late residence, Chartiers town
ship. Services .will be held in German M. E.
Church, Steuben street West End. Friends of
the family are respectfully invited to attend.
2
BRE1L On Wednesday. February U, 1891, at
3-40 A. M., Mrs. M. J. Breil, widow of J. J.
Broil. Esq., and mother of J. Breil, of the
Allegheny County Bar, aged 69 years, 9 months
and 27 days.
Fnneral will take place on Friday morning
at 9 o'clock from St Peter and Paul's Churcb,
East End. Friends of the family are respect
fully invited to attend. 2
FUNDIS On Thursday at 4 o'clock A. Jr.,
Catherine Fundis. daughter of John and
Margaret Fundis. of Glenfield, aged 21 years.
Funeral services SATURDAY.2p.it. Rela
tives and friends are respectfully Invited to at
tend. 2
HERMAN On Thursday. February 12. 1891.
at 5:40 A. M.. Oaeolina, wife of W. H. Her
man, in her 37th year.
Funeral on Sunday, February 15. 1S9I, at 2
p. jr., from late residence. No. 194 Forty-second
street Friends of the family are respectfully
invited to attend. 2
HUGHES On Thursday. February 12, 1891,
at8 30A.K.,JosnuAHtJOHES azed 62 years.
Funeral services at the residence of his son-in-law,
John T. Regan, Bates street, near Oak
land avenue, on Sunday at 2 p. Jr. Friends of
the family and members of Local Union No.
7, A. F. G. W.. are invited to attend. 3
JONES On Thursday, February 12.1891, at
7:35 p. jl, Mart, wife of John L. Jones, aged
55 years, formerly of Brady's Bend, Pa.
Fnneral from tho residence of her son-in-law,
W. J. Harris, Center street, Tarentum, Sun
day, February 15, at 2F.H. 2
KEIRN On Thursday afternoon, February
12, atS:40 o'clock. Helesk Josephine, Infant
daughter of W. Angus and Cora L. Keirn, aged
a weeks and 1 da,.
Fnneral from residence of Its grandfather
Henry Keirn, Parc View avenne, Allegheny
City, On Friday, at 2 o'clock. Interment pri
vate. KENNEDY On Thursday, at 130 A. H., of
diphtheria, Stephen Leibh, only son of
Stephen P. and Carrie M. Kennedy, -aged 4
years 1 month" and 10 days.
Funeral services at the residence of his grand
parents, Thomas Boyd, Wheeler avenue,
Eloventh ward, Allegheny City, FBIDAT at 2
p. M. Interment private
MATTHEWS At 8:15 o'clock Thursday
evening, February 12, Sarah F.. wife of Rob
ert R. Matthews, in the 62J year of her age.
Fnneral from the residence of her son-in-law,
Alex. C. Pitcalrn, 505 Mnrtland, avenue. East
End, SATURDAY at 2 P. it. Friends of the
family are respectfully invited to attend.
MILLldA.N At Fort Riley, Kan., Robert
R. Miixioan, in the 36th-year of bis age.
Funeral private, from 380 Chartiers street
Allegheny, at 3 p. M., Fbiday, February 13,
189L
Johnstown, Pa., papers please copy.l 2
McCRUM On Thursday, February 12. at 2
p. M., Mrs. Maby McCRUM, widow of the late
John McCrum, of Hoboken, West Penn Rail
road. Notice of funeral hereafter.
McSTEEN On Thursday, February 12. 1B91,
at 4:05 r. Jf., Agnes, daughter of Patrick and
Margaret McSteeu, aged 2 years 6 months 6
days.
Funeral from the parents' residence, 155
Wlie avenue, corner of Elm street on Satur
day, the 14th Inst., at 1:30 o'clock p. St. Friends
of the family are respectfully invited to at
tend. fJohnstown papers please copy.) 2
TOBIN On Wednesday afternoon, February
11, 1891, Rev. James F. Tobin, pastor of St
Mary's of the Mount.
Funeral from St. Panl's Cathedral Friday,
iiobking. Office at 9 o'clock. 2
ANTHONY MEYER,
(Successor to Mej er, Arnold & Co., Lim..)
UNDERTAKER AND EMBALMER.
Office and residence, 1131 Penn avenne. Tele
phone connection. myll-140-HV?rsu
JAMES M. FULLERTOft.
UNDERTAKER AND EMBALMER,
Offices: No. 6 Seventh Street and 6231
Penn avenue, East End.
Telephone J153. ap24-4S-WTSa
FLORAL EMBLEMS;
ORCHIDS AND ROSES OF RARE BEAUTY
A. M. C r. B. MURDOCH,
610 SMITHFIELD ST. Telephone 429.
ae9-S2-HWP
Flowers! Flowers!
Order early and thus secure the choicest fresh
flowers. Our stock is always Superb. Tele
phone 239.
JOHN R. & A. MURDOCH.
de26-MWF 60S Smith Held street
"REPRESENTED IN PITTSBURG IN 1801.
Assets - . 9.071.693 30.
Insurance Co. of North America,
Tjosjes adjusted and paid by WDjLIAM L.
.JONEB.S4 Fourth avenue, Ja309-o iL
NEW ADVERTISEMENTS.
SHEAFER & LLOYDT
JEWELEES.
Successors to Wattles & Sheafer.
Diamonds,
Watches,
Jewelry.
Silverware,
Art Goods,
Out Glass.
New Goods arriv
ing daily to take the
place ot those sold
during the Holidays.
DIAMONDS AND WATCHES A SPECIALTY.
NO. 37 FIFTH AVENUE.
Telephone 1933.
ji9-JiWP
mm.
x
BARGAINS! BARGAINS!
Our entire stock of winter
drygoods and underwear
regardless of cost. Cloaks
and Wraps at half price.
Underwear reduced from
50c, 75c and U to 20c
per garment.
Tatimer-q
ALLEGHENY,. PA.
fell-Mwy
THE
LADIES'
FAVORITES,
HIMMELRICH'S,
WILL FOR THE NEXT
3 DAYS
TAPE THEIR CHOICE
KID BUTTON BOOTS,
FORMER PRICE,
WHICH WAS
$2 50,
TO "
$1 75,
Either Heeled or Spring
Common Sense or Opera
Toe. It Is not necessary
to assert the primoness
of these shoes, as they
are too well known as
the most perfect-fitting
shoes in the land.
These prioeB will rule
ONLY
FOR 3 DAYS
Don't expect to buy
them at that after that
date, as other lines will
then be displayed.
HIMMELRICH'S,
430-436 Market St.
feS-'wrsu
P0YS'
TAR SHIRT
WAISTS!
We are ready with a large line of the first
Spring Styles
In the celebrated Stir Shirt Waist3 in French
and American Percales, Seersuckers. Oxfords
and Cbeyiots, Plain and Fancy Flannels.
Quite a number of new ideas hare been in
troduced into the styles of this waist in the
shapes of the collars, cuffs and front trimmings.
Noreltips in White Linen and Cambric
Waists. 3 to 6 year sizes, trimmed with Em
broidery and Fancy QufHes.
Another yery nobby style in Boys' Waists is
one of which the body is made of white mate
rial, the collar, necktie and center pleat and
cuffs are made .of Fancy French Percale, a
handsome waist, all sizes from i to 10 years.
We shall be pleased to have you call and in
spect the line and snpply your wants for the
early part of the season.
Home & Ward,
41 FIFTH. AVE.
f13-D
THE MERCANTILE AGENCY
II. ft Bun & Co.,
Qermanla BankBuildina 423 Wood street, cor
ner of Diamond, Pittsburg. Pa.
This establishment supplies all necessary
Information as to tie standing, responsibility,
et, of business mefi throughout North Amer
ica. It is the oldest and by far the most com
plete and extensive system ever organized for
tho accommodation of Banking and Mercantile
interests and tho General Promotion and Pro
tection of Trade.
Debts Collected and Legal Business Attended
to throughout the North American Continent.
NEW ADVERTISEMENTS
TO-DAY
Airs
TO-MORROW.
All KILT SUITS at 25 percent
discount among them many of
Best & Co.'s celebrated make all
will be sold at three-fourths regular
prices.
All KNEE-PANTS SUITS at
25 per cent discount among them
all-wool, well-made suits at S3,
worth 55.
All Boys' LONG-PANTS SUITS
at 25 per cent discount ironclad
Cassimeres, well made, now $6, reg
ularly $3.
Every OVERCOAT at 25 per
cent discount, Men's, Boys' and
Children's sizes.
This sale gives a bargain, and a
go5d one, too, to every buyer. We
don't profit by your ill-luck.
ClotMera, Tailors ant Hatters,
161-163 Federal St, Allegheny.
feS-wrsu
TO-DAY IS FRIDAY
Friday is Bargain Day 1
Friday is Remnant Day !
Friday is Clearance Day 1
Friday is Lucky Day!
To all who promptly avail them
selves of the opportunity to buy
some of our
Wonderful Friday Bargains.
Fleishman & Co.,
504, 506 and 508 Market St.
felS
Who think of deferring the purchase of Seal
skins till next fall will be wiser if they buy
nowj because,
First We have an unbroken stock in all
sizes of this season's garments, which we will
sell at prices LOWER than we could buy
them WHOLESALE to-day.
Second Notwithstanding the financial
depression, SEALSKIN HAS NOT DE
CLINED 'A PENNY, sq that prices next
fall MUST rule from 550 to S100 higher per
garment, according to length.
Third By investing to-day you will savo
50 per cent over next fall's prices, besides
having the use of the garment this winter
which has just begun.
Jackets from $123
Half Sacques from. . ... .$150
Full Length 5175
All No. 1 Alaska goods. We keep noth
ing else.
PAULSON BROS.,
No. 441 Wood St.
ja7-MWF
SECOND WEEK
-OF OUR-
FAMOUS
All surplus stock reduced. No fall or
winter goods to be carried over. Splendid
bargains in every department, and plenty of
them. This week we will make fancy Slip
pers and Oxfords our Specialty, Note the
prices:
ELEGANT SLIPPERS AND OX
FORDS, that were 54, now ?2 50.
55 AND 56 GRADES reduced to 53 50.
OUR 56 50 LINE, the handsomest ob
tainable, 54 50.
Ladies, It will pay you to call and see
them.
"The Famous"
Shoe House.
52 Sixth Street.
JB-20WFSU
& DOWN,
Strous & McAteer
6i3 LIBERTY HT.
lopi-zmwr
villiiiiBF
WOMEN
HEW APVERTISOrKNTS.
B.&B.
3
MOST EXTRAORDm ART
OFFERINGS
THE LADIES OF THESE
CITIES HAVE EVER
SEEN.
Extraordinary because they are so
desirable, and extraordinary be
cause SO MUCH UNDER PRICE.
300 PIECES
27-INCH
INDIA SILKS,
75c AND $1
A yard all are $1 25 and $1 50
values; elegant printings and the
best Shanghai and Canton Cloths.
Out on center counter
.50 PIECES
5o-inch Imported
ENGLISH SUITINGS,
Stripes and Checks,
$1 A YARD.
Ladies' for shopping dresses, busi
ness dresses, traveling dresses or
best dresses, will buy 6 or 7 yards of
these 50-inch English Suitings at
1 (all imported goods) so quickly
that this large center counter (of
50 pieces) will soon be cleared. We
doubt if an equal bargain will be
offered during the year 1891. We
know there was NOT in 1890. We
propose to progress in 1891, and
therefore make this extraordinary'
sale of English Suitings.
Large lot 22-inch French
BLACK
BROCADE SILKS,
Soft and lustrous, on armure
grounds and Brocade Stripes, dol
lar and a quarter goods, at
'75 CENTS,
Soft as Cashmeres, and such hand
some Black Brocade Silks will make
luxurious and comfortable house
dresses or tea gowns 75 cents is
the remarkable price.
If the 3 above extraordinary large
lots do not make the liveliest trade
these stores have seen for many a
day, then we misjudge the ladles'
appreciation of nice goods at
such prices.
Boggs&Buhl,
ALLEGHENY, PA.
N. B. Hundreds of pieces im
ported Spring Woolens, Suitings,
Novelties and Paris Pattern Dresses
opened.
feli
PARLOR, LIBRARY,
BEDROOM, KITCHEN
. FURNITURE.
i i
Fancy Rockers,
Bookcases,
Pictures,
Parlor Suites,
Onyx Top Tables.
Desks,
Chiffoniers,
Cabinets,
Mantel Figures,
Wall Pockets.
Everything in Furniture,
and Carpets.
CASH OfUASY PAYMENTS,
307
TlflANUFAClUKERSAND MERCHANTS
1VL INS. CO., 417 Wood SL Plttsbure. Pa.
Capital. 1250,000 00
Assets. January 1.1SU1 384802 37
Directors Charles W; Bitcbelor, President;
Jolm V. CIialLint. Vice Fresiflentj A. E. W.
Palntor, Robert Lea. M. V. V.iton, Jnn Wll
son, Jn-epli Waltmi, Wtu. O. Park. A. SI. liven-.
Jjtuos J. Dounell, Geurgo E. Painter. Jolm
TUompson. Win. T. Adair, Secretary; James
Little, Assistant SoorctarJl -AUiolt Albinos.
UoaerlA6nt. 4Ul-atwr- 5.
MJKIV ADVERTISEMENTS.
SOME CLOTHING FACTS
At this season of the year we would rather have $1 in
cash than 2 in merchandise. '
We have more merchandise than we would like or intend
to carry over.
To this end we have made, in all departments, some
sweeping and enormous reductions.
In no department has the loss to us been greater than in
our Overcoat Department.
You have not been abit slow to appreciate the values in
Overcoats we have been giving during the past week
or so.
Now, we are going to make
A LAST GRAND RALLY!
And offer you the balance of the stock at very tempting
figures.
The winter's not half over yet, and even if there's only
half a season left for you to wear an Overcoat in, you
must remember that at present prices you are paying
only about half the usual retail price of the garment
YES, OVERCOATS.
From the finest specimen of the tailor's art down to the
cheapest serviceable Overcoat made, are each and all
greatly reduced in price.
In many cases you'll find the former and the present
prices on the same ticket. But we don't ask you to judge
by the marked price, we simply ask you to compare the
goods with what you have been accustomed to pay for
a similar article and the advisability of buying will be'
come apparent.
We're always lowest in price when quality is taken into1
account and a fair comparison made.
This is the last call. The last reduction has been made.
About the only way now left to lower the price would
be to give you the Overcoats, and wee not quite pre
pared to do that.
GUSKY'S
300 TO 400 MARKET ST,
fell.-ffr
20 Per Cent Discount.
IS IT ANY WONDER the people take to quick buying
when they come into our salesroom and select whatever
needed, and get a clear, clean 20 per cent discount? No
reservation. The very best in the house is to be had at this
enormous discount of 20 per cent
Finest Kersey Overcoats, 20 and $25, 20 off.
Fine Melton Overcoats, $20 and $18, 20 off.
Fine Black Worsted and Tricot Dress Suits,- $20- and
$25, 20 off.
Men's Finest Cassimere Suits, $20, 20 off.
Men's Everyday Business Suits, 12 and $15, 20 off.
Boys' Suits, $6, 20 off:
All our goods are of this season's manufacture. No old
stock. Everything new and stylish. An immense'' stock,
that will not be carried to another season, prompts this great
discount 20 per cent off on everything.
WANAMAKER&BROWN,
GOR. SIXTH ST.
M'M''ira,Tt?"'"iiqiiw:''"''B":
WHY
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.M. ACKERS ENGLISH RFMEHYi
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S for Coughs, Colds and Consumption 13
1 Modern Remedies ? It will stop a Cough
I a day. It will prevent Croup, relieve
I in time, xou cane anora to do witnoui it" .a xo cent Dottle may save youl
g iuu 111 uueturs umtr may kjvo juut uie i ask. uur uruggisb lur it, or write
i to W. H. HooKR & Co., 46 West Broadway.New York, for book.
gsrpf-ygja -gaw ' "T"' 5 js,
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hem-selves 'to
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THE OLD RUT
and old methods are notthe easiest by fat Many people travel them
because t&ey have not tried the better way It is a relief from 8 sort
ol Elavcry to break iway from old-fashioned methods and adopt tha
labor-saving and ttrt jgth-sparing inventions of modera,times. Get out
of old rats and inV jnow ways by using a coke of SAPOLIO ia yovft
Junue'Clfiooixi
AND PENN AVE
fal2-P
DO YOU COUGH?!
Do 70a know that a little cough 13 a dangerous g
thing ? Areyou aware that it often fastens on the I
lungs and far too often runs into Consumption and
ends in Death? People suffering from Asthma,!
Bronchitis, Pneumonia and Consumption will all
"BT STARTS WITU 1 f!M n "1
5 ai viniiibiu iiiiilfiuuiilli
afford to neglect it? Can you trifle
D witn so serious a matter t Are you aware that
-masaasKsv -
beyond question the greatest of all
inonenfcrht. It will check a Cold in
Asthma and cure Consumption if taken
fe.
s.
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