. , - -;iF Borne, and they were all scrupulously neat The mot dainty slippers could be trusted on any of them, except the macadamized roads after a rain, when the dust forms a tight paste. All the streets in European cities seem to the American fresh from his own blessed and beloved country marvel ously paved and clean. The Modern Part of Eom& The first impression modern Home makes ie that it is Parisian. The houses in form and color, and the streets in style, are quite like Paris, but the boulevards are lacking, and the asphalt. The Italian names and occupations have a becoming glitter on the signs. The wine shops are so numerous they ought to afford ample facilities for the consumption of liquors. Since 1870 the town lias been very largely rebuilt. The most conspicuous quarters are so new as to have an air of freshness and smartness. This is not the Home of the Popes, any more than Paris is the city of the Bourbons. Considering the shattered state ot the an tiquities, I should think there were enough cf them; and the most venerable are cared for, and things 2,000 years old are looked after with more concern than we of the TTnited States generally bestow upon the graves and tombstones of our grandmothers and grandfathers. Roman ceography and topography are still mysterious to me. I have to stand for some time with my left side toward tliesun to find "which way is north. I had an idea that the Dome of Peter regulated the move ments of the heavenly bodies, but it does not seem to do so, and I haic seldom been tble to see it until close upon it; but I have not been able to set out to go anywhere without finding the column of Trajau.whieh stands in a low place, without attractive surroundings, and shows among other things how successive layers of ruins have changed, indeed elevated the surface of the earth. The column ot Napoleon, on the Place Vcndome, Paris, is a "close imitation .of that of Trajaiu I cannot say that there is an immense impressivencss aoout it. The Approach lo M. Veter's. I took a cab and said in French and En glish and a companion said in Spanish and German "Go to St. Peter's. " AVc rattled along for awhile, when a formidable old round castle appeared on the northern side of the Tiber, which we were crossing by an old bridge adorned with stained marble figures. The castle of St. Angelo was be--fore us, and there it was Belisarius once beat back the Goths Still no glimpse of 'St. Peter's.' Another turn, and we were before the Cathedral, the long parenthetical colonades on cither hand, the mas of the tnilding concealing the dome The ap proach to St. I'cter's must be the finest in the world, unless that of the Capitol at "Washington exceeds it I mean the ap proach from Pennsylvania avenue. The front of St- Teter's has been pictured until all civilized creatures on the European and American continents know how it looks. The front at first view is less mag nificent than I had anticipated, and the ap proach had an unexpected grandeur. I fancy the facade should be loftier to perfect the harmonv, but I do not w ish to be under stood to be criticising or complaining, and I hope it will not be thought impertinent to be candid about impressions, though to the learned and the artistic they may seem crude. The obelisk, crowned with the bronze cross, is at the central point of the epace enclosed by the coloaades that frame the massive picture. On the rijrht is the huge palace of the Vatican, with its 10,000 1 rooms and treasures of priceless art, and the ''residence of the popes. Not to Overshadow the Cathedral. The masters who handled this great sub ject did not mean that the Vatican build ings should be obtrusive. They had to be extensive, but the requirement was that they should not rival in architectural at tractiveness the sacred edifice. They are simple and modest as possible, considering their bulk. The slopes and steps by which you reach St. Peter's are easy; and as you Teach the doors the gigantic proportions of nil around you become more and more clear. You lift a heavy curtain of worked leather and enter. The eflect is startling not so much that the scene is one of stupendous proportions, as because it is so brilliant. I inew -Ute edifice was enormous, but had no conception of the splendors of its marbles, its mosaics, its ceilings, its tombs, its altars. Volumes have been and may well be written of these. Looking around St. Pcter's is like studying a landscape in the Alps. The guide-book says, as you are on the way to Chamoni, that the rocks at a certain place are 7,000 feet high; but you cannot believe it, though it is certainly true. The scale by which the eye measures the mountains is lofty, like themselves. So "with St. Peter's. You can hardly under stand that tin' dome is as high as history tells you. Some of the monuments to the Popes possess merit as works of art of the "highest order; others appear to be pompons P failures, but perhaps they would seem 'so in any other position. It was a surprise to see the honors paid in burial to the last of 'the roval race of the Stuarts of England, as well as to see in the floor a stone marking ;the place where the Cathedral of St. Paul's, -London, would come if taken into St. 'Peter's and measured from the throne of Peter. I shouldn't have thought St Paul's so large in comparison with St Peter's if it iad not been for this stone. From an Artistic Standpoint. Pius IX. is not without honors in the grand Cathedral; but unless there are yet to , be decreed for him distinctions lie can hardly be considered to have celebration equivalent to his historical conspicuity. However, I noticed one fine portrait of him, and there is a conspicuous white marble tablet with an inscription relating to his "proclamation of the Immaculate Concep tion, and there are other tablets giving the names of all the members of the Ecumenical Council. One of the features of the Cathe dral that is of greatest interest is the pillars from the old lionian temples that are intro duced, and the mighty walls are storehouses of relic; but to know them as they are marked takes more time than Icancom xaand. The hasty student in Rome is like the philosopher on the seashore who gath ered a few pebbles and left the boundless, the fathomless mysteries the miracles of crt as of nature unexplored, unsounded. 'One turns away wearily and goes to the Vatican, where sorrow that life is so short jimd time so swift has a keenness almost un known. Slay I confess, without an admission of utter incapacity, that the Sistine Chapel is a disappointment" The work of Jlichael Angelo may be the grandest that mortal has accomplished, but either the light is very bad, or there is some trouble with my sight or faculty of comprehension. If he handles the Supreme Being reverentially, I cannot see that God appears half a dozen times on the ceiling in attitudes that I fear are uncouth, and we aie asked to palpitate over the amazing foreshortening of his figure; and I find it difficult to behold with awe the pulling of Eve from the side of Adam, or the expression of the serpent in the Garden of Eden a human head and shoulders on the body ot a snake twined around an absurd tree. A Few Electric Lights Needed. Of course, this is not the spirit in which the majestic accomplishments of the great est of artists should be scanned; but there should be something in them to defend them from involuntary ridicule. The Sis tine Chapel is bleak as a barn, and the tre mendous Last Judgment is foggy, and the hill that is introduced, with the "devils and all that, would be none the worse if still more obscure. The figure of Christ, the Judge, ought at least to possess dignity and glory, but may I mentioj that in the light in which I saw it the resemblance to a faded chromo was forced upon me? It may not be regarded as offensive, and I do not mean that it should be so, if I offer the hint that the introduction of the incandescent light into the chapel would bring out the hidden beauties and the grandeur, for which we have now to rely upon the illuminating power of the imagination. The Raphael lrescoes and paintings on canvas are not so disappointing as the great works of his only rival, but his ceilings would hardlv warrant the almost divine reputation that has been accorded to him. Still there is the unmistakable glow of genius in his touch, and I would rather take 1 off my hat when I see his work than before some other things that are accounted far holier. The Vatican paintings were not an unmingled delight, and the Papal guard at the entrance did not present an appearance absolutely tidy, let alone warlike and pic turesque." "WTiile on duty they should not lounge. They need smartening up. Horn of Ezekiel the Sculptor. Rome is of three distinct formations the r very old, the very new, and the medieval. -Lnere are suoai visions, out iur gcuwm pur poses the classification into three parts will serve. "We have close together the railroad depot, a wall built 500 B. C, and the frag ment ot the baths of Diocletian, occupied, so far as habitable, bv Ezekiel. the sculptor, who looks down from a window he has in serted in the ruin, upon a new park, and close at hand is a splendid fountain, whose brilliant waters come bv one ot the old aqueducts to the Apennines. Hew build ings are in course of construction and are planned in this part of the city, and when the work is completed it will disclose the old proportions of the baths and racecourse of the festive Diocletian's monumental edifice. Ezekiel's study may safely be called artis tic. You ascend an inclined plane to a cor ner of the ruin, and ring a bell at a high door, through which there is an eye-hole to scan visitors. The first response to the bell is the roar of a dog, whose bark, I expect, is a good deal worse than his bite. A tall Italian ties up the dog and opens the door, when there is a flutter of pigeons, the pets of the sculptor. The explanation of the fortifications is that some months ago the studio was robbed of many valuables, aud the utmost precautions are taken against a recurrence of the disaster. There is abund ant evidence of the growth in his profession of Erekiel, and things of beauty that hehas wrought invest the venerable walls with joys forever. Works Yntll Ills Own Hands. He is not one of the artists who simply design, and then put accomplished work men upon the job of cutting the fine lines. He makes the chips fiy from the marble with his own hand, and was, when I visited him, putting the finishing work upon a Christ that has a singular and touching loveliness. The eye of the artist is brighter than ever, and his hair whitens a little. I doubt whether the people of his own coun try have an adequate idea of the high rank of this gentleman as a sculptor. I am of the impression that the most artistic tomb in America is that, from his hand, of Mrs. A D. White, of Nw York, and yet it is with out celebrity. He would do a great work, certainly, if he could make an end of the dismal monotony of our American grave yards, though I should not be able to recom mend the Genoese fashion of sculpturing widowers and widows at the tombs of their wives and husbands. It must be slightly embarrasing, in case of second mar riages, to take a honeymoon walk in the Campo Santo and behold oneself in an in consolable attitude at the grave of the late departed. I should not have been moved by a spirit of levity in this connection if I had not been told in Genoa that several of the widows whoso statues are mourning at the gates of death in Carrara marble, most ad mirably wrought, have married again. It is fair to say there are not so many widow ers made immortal at their own expense at the tombs of their wives. Perhaps, in the majority of cases, there were timely appre hensions. I have already mentioned that some of the art in Genoese Campo Santo surpasses anything to be seen elsewhere. Mr. D wight Benton is a Cincinnati artist who has for many years worked hard in Rome, and his new studio is adorned with gems of Italian and Spanish landscape. Last summer 3Ir. Benton was sketching in Spain. I was so fortunate to enjoy for a day the society of his amiable son of 19 years, an attache of the Legation, who adds to the usual American boy's enthusiasm an enviable knowledge of Rome. "With his aid I managed to do a week's work sight seeing in Rome in a day. Association olTOId and New Times. Speaking of the associations of the old and the new in Rome, the principal bar; racks for Roman soldiers of this day is on the camping ground of the old Pretorian Guard; and the palace where Hannibal ad vanced to the wall of Rome, and threw a javelin into the city is near the spot where the American Consul resides, in a house that is of the style of Paris as revised under the second Napoleonic Empire. The Roman antiquities are in better form than I expected to see them. The Pantheon, in spite of the destructiveness to which it has been exposed, is wonderfully preserved, and in it the tomb of King Victor Emman uel is worthily placed. I inscribed my name in the book provided for the record of the respects of visitors, without any remark about the Pope. The insult to the memory of the King by one of the French pilgrims was not so important in itself as in the state of popular feeling that it revealed. The Italian Government was in a state of indig nation which was natural, and behaved not withstanding with conservative instincts, or the affair would have had very deplorable results. The attitude of the'Church, op posed to Italian unitr frets the Italian people, and impairs thei. devotion to the Church in its spiritual relations. I should think the political policy ot the Chnrch a mistake. The national feeling of the Itali ans is passionate, and each year welds them closer together. The Pope'is said recently to have admonished some Archbishops that they should not be more Catholic than him self, and tha observation might find applica tion on the American side of the Atlantic. Raphael Lives In Immortal To nth. The tomb of Raphael is in the Pantheon, and is comparatively simple. His beautiful creations are held to be the highest expres sions of art, but one must be abl to know much to give them intelligent estimation. As a painter he outranks Michael Angelo, who was greatest as a sculptor and" architect; but Angelo had 40 years more working days than were vouchsafed Raphael, who, dying, like Byron am Burns, at37, in the language of Longfellow, lives in immortal youth. Titian, who comes next in the highest walks and worlds of art, was at hard work in his 99th year on the "Entombment of Christ," when he was cut off by the plagu. The glory of the Pantheon is that it is the one of the old structures to stand with one may say, the roof on. The triumphal arches of Constantine and Titus, and the others, are disappointing. They do not seem to me equal to the per formances and pretensions of the Romans. That of Constantine in the shadow of the Colosseum is by no means impressive. It never can have. been imposing in that con nection, and battered as it is by many storms, it is hard not to say that it is shabby. The French, in erecting their Arc de Trfomphe in Paris, have surpassed their models. But perhaps we had better wait and see what the centuries will do. The grounds about the old Forum were originally a valley, and the excavation of several acres presents the general appear ance of an old marble yard, 23 or 30 feet below the level of the neighboring streets. This was to show the enormous accumula tion of debris during thousands of years of the processes of construction, destruction and reconstruction. Chariots on Old Roman Itoads. The pillars of the Forum (which was not exactly theForum) are something less mag nificent in the reality than in the photo graphs; but they tell of the magnificence of old times. Some of the stones of the old sacred road are still in their places, and the old Romans must have had a good time rid ing over those stones in their chariots carts on two wheels, without springs. They had exercise as exhilarating as riding in an American wood wagon over a corduroy road. The acres of modern excavation have yielded a great deal of information, but the light will always be dim. The ruin was awfully complete. The fragments of stones preserved are precious as relics, and. the stories they tell need faith and fancy. Here is the spot where the Romans assem bled, in the midst of the monuments of their greatness, and quarreled over the spoil of all the nationsaround the Mediterranean, and from Persia to Scotland, and avenged others by self-destruction. Caesar fell in Pompey's theater, where the Senate met after the Senate House had been, burned in civil warfare; and here his body was brought and buried; and this rude mass of-brick is the spot where Antony stood. The bricks are i till good, -and would yet rise and mu tiny were he to say "Friends, Romans; Countrymen!" One of the monuments not disappointing is the Colosseum. It surpasses in rugged grandeur all that I had imagined. It is a sublime wreck. xArehes rise upon arches, and where the ground has been opened in the centre, we see that the subterranean constructions were on a great scale. After having served as a stone quarry for genera tions, there is enough of it to tell the whole tremendous tale. The prevalent material, seen from the inside, is of pancake brick, a small, flat, hard, burnt article laid in cement that cemented; not sand with a wash of lime-water, such as contractors nowadays use in structures made to rent for a few years and then fall down or burn up. The towering stone arches of the exterior are well cared for at last Look close and you will see a multitude of hands of iron, check ing the decline and fall of that part of the Roman Empire. Of course there are marble tablets in which the old JRomans are re buked for their wickedness and the bene ficence of latter days is celebrated. Nearly one-half of the original height of the gigantic theatre stands, and, seen trom tne opposite side of the ruin, the open arches are like vacant windows, and through them the glowing gold and bine of the Italian sky shines with unextinguishable resplendence. Facts Ahont the Catacombs. I fancy there is incredulity that is not warranted, as to the extent and authenti city of the Catacombs. There has been a cuftivation of skepticism as to them; but there they are. The earlv Christians and others did bury their dead in passages cut in stone, and "the whole extent of these strange burial places found about Rome would cover a square mile, and all the pas sages would measure hundreds of miles. It will be remembered that the burial of the dead within the limits of old Rome was, for sanitary reasons, prohibited, and the crema tion did not commend itself td the early Christians and the Hebrews and others. It is a mist-ike to suppose that the interments in the Catacombs were all saints. Many sinners were placed in them, and perhaps some of the bones of sinners have been sanctified and celebrated as those of saints. The catacombs that I visited were, of course, outside the city, and the entrance was through a church. The priest who guided us was a keen-eved and bright-faced man. "We had candles and plenty of matches. The excavations are narrow, just room to walk freely, and on either side tombs in tiers, sometimes two, and often four, stone shelves hollowed out for placing the dead. The rock cuts easily, like chalk, Tmt hardens upon exposure to the air; but there must have been infinite labor per formed in preparing this city of the dead. Thousands and tens of thousands of these tombs have been robbed, but in many the bones are still visible, and many have never been opened; the original marble and terra cotta slabs inclosing and cealing up the re mains have not been touched. There Is a Blind Skepticism. Here was an open tomb an elongated mass of white plaster. A child, the priest, says, died of some contagious disease, and the body was coated with white plaster. "Here," said the priest, "are a man and wife." "We look through an iron netting, and there are twoskeletons,side by side, the skulls and bones of the legs showing white in the gloom. Presently we come to a chapel, a dungeon-like department, grim and mysterious in the feeble light of our candles. In some places the passages lined with tombs are 40 feet under the ground. Here the Christians were concealed, largely from the tyranny of their persecutors, and took sacred care of their dead, and marced clearly their places of sepulture. It Is fair to say here that, taking this into considera tion, there is a good basis for belief in the genuineness of many relics that have been scoffed at as fabulous by those too ignorant to know the strength of the testimony. One more suggestion in the same direc tion. The Romans conquered the Holy Land, and were in possession and full au thority in the time of Christ They spoiled the country, as they did all countries. There are 11 Egyptian obelisks in Rome; some of them are of well-known history, others are not in a clear light They date back thousands of years before Christ "We know right where some of those stones stood 2,000 years before Christ Not only did the Romans spoil, hut other nations. The Turks and Saracens did the same thing, and when the Venetians took Constanti nople they removed decorative pillars of porphyry and other treasures. And why are not the pillars we are told were from Solomon's Temple one against which Christ leaned, steps he walked upon as authentic as the obelisks that stood, we know, before temples older than Solomon's? There is. if we look at it steadily, a skepti cism as blind as superstition. MURAT HAWTEAD. A EOUVEHIR m TIH. Handsome Medal Strnek From the First Carload Made In America. A limited number of medals made of pure tin are just now being shown to their friends by fortunate Pittsburgers. They are the size of a silver dollar, but so light one thinks at once of aluminum. On the front is the coat-of-arms of the city of Pitts burg, with the name of the company which is giving them out, and the date 189L On the other side is the lettering shown in the cut This lettering is very fine and cannot be adequately reproduced in a news paper illustration. Indeed, the whole souvenir is a work of art The medal The Medal. marks an era In the infant industry of tin plate manufacturing in the United States. An element in the success of the industry in this countrv is' that those engaged therein should be independent of England in ob taining a supply of pig tin. The Pittsburg and Mexican Tin Mining Company, whose medal it is that is shown, claims that its mines alone render this possible. The offi cers of the company say thaf in the 240 square miles of tin ore territory they hold under a concession from the Government of Mexico, the supply of tin ore is inex haustible, yielding from 5 to 50 and more per cent ot pure tin. The ore from the Cornwall mines yields but from 1 to 3 per cent It may justly be said that this for tunate condition is the resultof the Pitts burg pluck and enterprise manifested by their development, through many obstacles and nervy investment of capital, of the tin field cf Durango. The medal is likely to become an historical curio of value in the future, as linking this city with the rise and growth of the tin plate industry of the United States. A Bis Regular Army. The mightiest host of this sort Is the army of Invalids w hose bowels, livers and stom achs have been regulated by Hostetter's Stomach Bitters. A regular habit of body is bi ought about through using the Bitters, not by violently agitating and griping the in testines, but by reinforcing their energy and causing a now of the bile into its proper channel. Malaria, la grippe, dyspepsia and a tendency to inactivity of the kidneys, are conquered by the Bitters. Not Content "With leading in crackers, I also lead in the line of fine confections. E. MAonnr, 913-915 Liberty itreet; 80 Federal street, Allegheny. "We pack, haul, store, ship, alter, re pair refinish and xeupholster furniture. Haugh & Keenan, 33 "Water itreat, 0- 'FIRST " INTRODUCED a IN -xV ELEVEN YEARS0F SUCCESS. THE MUTUAL RESERVE FUND LIFE ASSOCIATION'S ANNUAL MEETING. An Increase in' Gross Aiirti Daring the Tear'1891 of Nearly a "Quarter of a Mil lion Dollars The Net Increase in the Reserve Emergency or Surplus Fnnd for 1891 Is 5382,935.14 The Associa tion to Erect a New Building at Broad way and Dunne Street The Total Re serve Fond Is Now 83,105,330.94 Death Claims Paid Last Tear Amounted to 83,390,108 80. NEW Yonrc. January 27. The eleventh annual meeting of the Jlntu.il Reserve Fund Life Association was held In the Association's palatial offices in the Potter Building, this city to-day. It was the largest, most enthusiastic, and moot satisfactory meeting- In all re spects ever held by tills organization. A represent ative gathering of business men 'from all parts of America was present, among others being: 1'resldcnt K. B. riarper's entrance Into the meet ing at 1:15 r. M. was the signal for a general cheer. Among the gentlemen present were noticed K. H. Gllman. Mllford, Del.: Charles E. Darcy, Boston, Mass.iE. A. Slattery. New York: II. A. Nnlioff. Carlvie. 111. : Dr. D. M. Caldwell. Brooklyn. N. Y. : TV. J. Mcalurray. "William Wilson, Toronto, Ont. ; D. E. Cameron. Deputy Treasurer of Ontario; Dr. McPuedran, 'W'. Greene, Toronto, Ont.; H. A. Ward. ex-Member of Parliament, Port Hope, Out.:G. n. Mulrhead, barrister. Brantrord, Out.; T. II. Jlcllurer, Bramanvlnc. Ont.; Horace Thorne, of firm or Watson, Thome, Smoke Masten, barristers, Toronto. Ont.: II. E. Small price, business manager Toronto World; Ira Perego, Warren Gardner. C. K. Wright. New York; B. W. T. Amsdcn, Sing Sing, N. Y.; 1'ra.nkIIn II. Harper, George IV. Harper, and Charles Harper, all of Still Fond. Md. ; W. C. rage, Baltimore, Md.;E. P. Barry. Fargo. Dak.; C. C. Hendrlckson. I'eorla, 11L: J. J. Hamilton. St Paul, Minn.; F. TV. Deacon, Kaclne, "Wis.; Warring Kennedy, Toronto, Canada: John J. Acker, Albany, N. Y.: W- L. Beitlcr. Sedalla, Jro.; S. W. Wray, Philadelphia, Pa.; George M. Kellogg. llornellsville, N.Y.JE.D. Mrtwig. trie. Pa.: D. Z. Bessette, Montreal. Canada: W. W. Harper. Erie, Pa ; David Murray, U S. Accident Association; B. n. Robinson. Omaha, Neb.; J. P. Scott, Philadelphia, Pa.; non. W. C. Jones. St. Louis. Mo.; T. P. Baldwin, Baltimore: C. K. Lehrburg. Owensboro, Ky. ; Gen. Isaac H. Shields, Philadelphia, Pa.; Edward M. L. Ehlers, New York; H. "Ward, Port nope, Ont.; "Win. Hagar, Montclalr. N. J.; J. B. Spauldlng, New York: G. W. Bkellen. New York; Edwin P. "Weed. Brook lyn. N. Y.i E. M. Castlllen, New York; E. It Taylor, New York; Charles A. Ford, New York; E. L. Ford, Philadelphia, Pa. : A. Frohman, New York: K. N. Newton, Nicholson. Pa.; John Mc Lay. Toronto, Ont.: Hugh Kofkc, New York: A. II. Dennlston, Woodslde, L. I. : John Mulligan, Yonkers, N. Y.; W. A. Hazard, New York; F. "W. Day, New York; Hon. T. J. Latham, Mem phis, Tenn.; L. Y. Manlng. Boston, Mass.; "Wm. A. Hunneweu. Boston, Mass.; Col. James Clark, Brooklyn: Hon. James T. "Walker, J. W. Koan, W. D. 'Williams, New Yorki Dr. C E. Price. V. S. Army, Fort Wadsworth; Geo. Schmidt, New York; A. J. Cummlngs, wholesale clothing, St. Paul, Minn.; Mr. Jones, U. S. Acci dent Association; A. C. Wall. Goshen, N. Y.: 11. K. Wilson, Homer Pennook, and C H. Heattey, New York; Clinton Chamberlain, Brooklyn. N.Y.; W. D. Horton, Geo. A. Ayres, J. M. Townsend and L. D. Mowry, New York; Bart M. Brown, Staten Island; T. F. Baldwin, New York; C. E. Hitchcock. Brooklyn; E. F. Leeds, New York; J. H. Gallagher, Troy. N. Y. ; W. C. Wallace, New York; E. C. Potter, New York; G. L. MtUer, En glewood, N. J.: the Rev. James Hngglns, Brook lyn, N. Y.: J. T. Patterson, Belfast, Ireland; J. i Scott, Easton, Pa.; C. H. Smith and Louis fcmlth, both of Brooklyn, and the foUowIng named, all of ewYork: F.W. Baldwin, E. Zabrlskle, Thomas Lifts, Frank Moore. John Haggerty, J. M. Crap sen, A. G. Perry, W. A. Hagaa, Frederick Moel ler, G. E. Barnes, Duncan F. Duncan, Fred A. iieavttt A. Lincoln Colyer, Fred H. Cooper, George P. Clark, W. B. Baldwin, Charles C. Bo land, George R. McChesney. The Eleventh Annual Report of President Edward B. Harper for the Year Ending Dee. 31, 1891. The first real business of the meeting was the reading by President Harper of his annual ad dress, as follows: lb tltt Officers, Directors and Members of the Mutual Reserve Fund IAfe Association: GkstlemBIT: The work of another year is com plete, and we enter upon the second year of the second decade of our history under even more favorable auspices than has e er before existed. The ever-constant, never-ceasing march of this Association from success to success from victory to victory, a&ionlshcs even its most enthusiastic friends," while Its enemies behold Its triumphs with amazementand seem p-alyzed with Its prog ress. The natural premium system of life insurance as exemplified by this Association, of which It is the author, originator and practical exponent, has for the past eleven years been tested as by fire, and It has not been found wanting in any particular. ASSETS. We have increased our gross assets during the year 1891 from 3, 850, 178.90 to?l,S49,a)2.09. being an Increase ifor the year within a fraction of half a million dollars. RESERVE EMEBOESCT OR SURPLUS TTJKD. Our Reserve Emergency or Surplus Fnnd has been increased during the year 1891 from $2,772, 235.80 to (3, 155, 220. 94. a net increase for the year of 3.935.14. This amount will be still further in creased by the apportionment of the December Bi monthly Call, which is not Included in this report. INTEREST RECEIPTS. Our interest receipts for the year have been J123, 836.64. As this amount has been realized from In vestments made upon the over payments of the members and largely contributed by those ulio have been members cf the Association for many years. It will be observed that to this extent the As sociation has received increased payments from Its older members without increaslngthelr rates above the age of entry. This amount added to the in creased receipts from the Bi-monthly Mortuary Calls realized from new members, amounting to more than 125.000, has materially assisted in the payment of the extraordinary death claims caused through the excessive mortality experienced by the Association by reason of "LaGrlppe." which has almost assumed an epidemic form in very many sections of our country, and has thus enabled the Association to maintain Its rates as heretofore at the age of entry and yet promptly paying its death claims In full, usually long before the same were due. SPECIAL EM3RGENCT TO3D. As provided by the resolution of General Isaac H. Shields of Philadelphia and unanimously adopted at the annual meeting held Jan. 23, 18S9, the Special Emergency Fund has been increased within the year from f-BO.OOO to 400,000, which amount Is held In six of the strongest and leading banking corporations of our country. The object of this Special Emergency Fund, as provided In said resolution, is to enable the Association to an ticipate the payment of Its death claims after an assessment has been made without being com pelled to wait for the payment of such Mortuary calls by the members, and the practical experience of the Association In connection with the Special Emergency Fund has fully demonstrated the wis dom displayed in the adoption of the aforesaid res olution. IN-VESTED ASSETS. A will be shown by a detailed statement, wntch wilt be presented to each member of the Associa tion, (194,000 have been Invested during the past year In bond and mortgage, being a first lien upon Improved property In the city of New York, in creasing the amount of such loans held by the Association to 82,287,900, ana producing an Interest Income to the Association of more than $100,000 a year. An examination of the detailed statement will show the date when each loan was made, the record book in which it Is recorded by the city officials, the amount of the principal unpaid, the rate of Interest, the value of the land mortgaged, the value of the buildings, the amount of Insurance held by the Company on the buildings for the pro tection of the loan, and the exact location of the property In each lnstanco Is given, so that every member of the Association may personally ex amine, or cause to be examined, every piece of property upon which the money of the Association Is loaned, and thereby will be enabled to Judge for himself as to the security and care exercised by the officers of the Association in making said In vestments. v It Is a fact worthy of note that the Mutual Re serve Fund Life Association Is the only lire Insur ance company furnl6hlog similar information to Its members. NOT A DOLLAR EVER LOST. Special attention Is ca lied to the fact that cover ing the entire period of the history of the associa tion not a dollar has ever been lost of either the principal or Interest upon any loan ever madejby the Association. Neither have any losses by reason of said loans ever been charged off to profit and loss account. Aslmllar statement I doubt can not be made by any other life insurance organiza tion In the world. UCCOME. TtTe cash Income during 1891 from all sources was $3,704,126.41, while for the year 1890 It was 13,383, 848.86, making a net Increase for the year of $315, 277.55. DEATH CLAIMS. We have disbursed for Death Claims during the past year $2,290,103.50, making our total death olalm payment to December 31 last over $12,000,000, or a yearly averaieof more than $1,000,000 sines the date of our organization, and we had in our Reserve Emergency Fund at the close or the year $6,000 for each $1,000 of outstanding death claims in process of approval and adjustment. Ww bci: c wttVrrW for membership to the amount of $50,019,615, of which there has been accented and written 144.318,- 965. Amount rejected, returned unapproved, or. held in suspense, $5,700,650. This vast amount or business has been obtained without any special effort on the part of the management, and we have not the slightest doubt but that the year 1892 will produce equally as satisfactory results. BUSINESS IN FORCE. The Insurance In force on December 31, 1891, was $215,207,910, while on December 31, 1ST0. It was $197,033,435, a net gain for theyearof 118,204, 475. The net gain for 1890 over 1839 was $15,645,235: for 1839 over 1888 the net gain was $12,455,350, which shows a most satisfactory Increase in amount of Insurance in force from year to year. PROGRESS OTf THE ASSOCIATION. Insurance Cnsh and In- Year. In Fore". vested Assets. 1881 87,633,000 86,034 83 1883 35,190,750 50,441 53 1883 63,338,500 .169,940 S4 1884 85,453,000 350,775 05 1885 133,353,500 639,879 41 1880 150,175,250 989,240 IB 1887 156,554,100 1,472,200 41 1838 108,90230 - 1,953,753 81 1889 181,358,300 3,512,588 98 1890 197,003,43a 2.930,178 90 1891 215,207,910 3,384,437 05 Itoserve or Death Year. Emergency Fnnd. Claims Paid. 1881 1883 811,900 OS 834,350 OO 1S83 115,702 60 335,675 00 1884 371,440 05 815,575 00 1885 499,333 Ot 1,654,250 00 1880 856,280 40 2,803,390 00 1887 1,305.091 37 4,182,071 33 1888 1,79G,678 19 5,704,403 45 1889 2,304,509 35 7,600,434 74 1890 2,772,285 80 9,746,933 79 1891 3,155,220 94 12,037,041 59 COMPARISON. The comparison of the results or the first eleven years outside and beyond the three great life In surance companies In America the Equitable, Mutual, and New York Life with that of other life Insurance companies is preposterous, and even with these three It Is worthy of note that the amount of business In force upon the books of the Mutual Reserve Fund Life Association at the ex piration of the eleventh yearexceeds the total busi ness for the same period of time of these three great Life Insurance Companies combined. As a further evidence of the care displayed In the admission of members, the economy exercised In the administration of Its business, and the se curity offered for the protection or its contracts, the following ratios, complied from the sworn re ports to the Insurance Departments, will prove most convincing arguments npon these Important points in the administration of the affairs of this association, and especially so when the attention Is called to the fact that these comparisons are made with the tbree strongest and largest old system companies In the world. RATIOS COMrrLED JT.OH OTP1CIAL RETORTS. Mortal- Expenses Ratio of Unto to Each Ifet Assets Each f 1,000 to Eai-h f 1.000 in in $100 Oromitathms. Tear. JFbrce. Farce. 'Uabtilty. Mrtual Reserve..lS90 10 85 $ 4 19 $234 43 Equitable ISM 1141 1018 122 72 Mutual 1890 13 45 1130 107 25 New York Life. .1390 11 10 11 74 125 23 Mutual Reserve.,1391 11 14 4 46 237 71 LIABILITIES. The gross liabilities, Including dividend, appor tionment outstanding, and death claims approved and unapproved, and alo Including as liability $570,072. being the net present value of all policies in force Dec. 31. 1891. which liability Is voluntarily assumed by the association and not required by the Insurance Department, our total liabilities are but $1,423,709 80. COMPARISON OF COST Or INSURANCE. With the payment of the mortuary call Issued on Feb. 2 last a number of our members completed a period of ten years' Insurance with us. The following table will show how small a sum the Mutual reserve collected during that time for a policy $5,000 at the given ages as compared with the rates charged under the old system. Our figures Include 54 mortuary calls and ten years' annual dues: Percentaoe of cost under old system corn Cost in Cost pared to same Mutual under old in Mutual Re Age. Reserve, system, serve. 25 . $466 75 $99150 213 SO 439 83 1,135 00 23 35 540 25 1,319 00 244 40 C04 60 1,565 03 259 45 673 75 1,893 50 232 50 .'. 80110 2,359 03 294 .V 1,235 54 2,995 50 242 60 1,67118 3.83160 232 Making a total saving to our. members by reduc tion of premium of more than thirty millions of 'dollars. LAPSING. The number and mode of termination of member ship In the Mutual Reserve Fund Life Association for the past twelve months harmonizes with the experience of the various old system life Insur ance companies of America, showing that the law of terminations by death Is scarcely more rigid or certain than the law of terminations from other causes- There always will be a certain percentage of the Insured who will fail to continue their in surance through the first year. There will be another percentage to whom the object of life In surance will no longer exist, and another percent age who become unabla to make payment of their premiums irthey desired. This is illustrated by the fact that the old system companies Issued in 1890 (S39.711.283 of insurance, yet tnclr increase in the volume of business in force at the end of the year was but $117, 928, 000, showing a disappearance trom their books of an amount equal to more than half the Insurance written for the year, or nearly $500,000,000, while their death claims for the same period were but a fraction greater than 20 per cent, of thelrtermlnatlons, andthe busi ness of the management of a large life Insurance company Is largely occupied In supplying freshly examined applicants to take the place of those of the older members who shall have terminated their membership for the various other causes than by death, but It should be stated that such terminations are not an unmixed evil, for as these older members pass off the books of the company the new members freshly from the hands of the medical examiners take their places, and thus a constant change is occnrrlng, which no doubt ex plains the fact that the mortality of a life Insurance company forty or fifty years of age Is scarcely greater than the mortality of the same company In the tenth or fifteenth year of Its existence. For instance, the mortality of the New York life In Its seventh and tenth year of Its existence was 50 per cent, greater than was the mortality of the same company In the forty-eighth year of Its existence. OFFICIAL EXAMINATIONS. Outside and beyond the six examinations made by the Auditors of the Association during the past twelve months, the results thereof having been fur nished to the members with their bi-monthly Mortuary Calls. lam pleased In being able to report that early In the summer of 1891 Hon. A. L. Carey, Commissioner or Inurance or the State of North Dakota, and Hon. William G. Harden, Actuary of that department, appeared at the office of the Asso ciation and notified the President of their intention to proceed with an official examination of the affairs of the Mutual Reserve Fund Life Associa tion. Being clothed with the authority of law, the books were atonce placed at their disposal, and the heads of the various departments were made sub ject to their orders. After a thorough Investigation of all the various departments of the Association, Including the Death Claim, Investment, and Medi cal Departments, and upon the completion of their work they handed to the President and officers of the Association a report of the results of thelj findings. The Commissioners' report concludes as follows, and In these words are emDodled the views or both officers : As a whole I wish to state that the business of your .association has been conducted upon strict business principles, with extreme liberality and promptness In paying every honest deatn claim, and simply quote from the report of my actuary, which report I most heartily endorse, "that the accounts of the association are so well arranged and Its 6vstem of checking trom one department to another 6o thorough that any errors can be easily detected." I am so well satisfied with the honest? and ability of the management and excellent financtal condi tion of the association that I shall be pleased to recommend the Mutual Reserve Fund Life associa tion to the citizens of the State of North Dakota. Respectfully yours. (Signed) A. L. CREY. liOmmissiuuer ui insurance. Fraudulent Death Claims. That there exists an organized hand of conspir ators whose object it is, through fraudulent combi nations, to rob the treasuries of the various life tnctirftnce eomnanles br the nalmlntr off of sick. 'diseased, and dying men upon such organizations by substitution and other fraudulent, means will not admit of a doubt. The management of x life Insurance company that falls to pay Its honest death claims should be branded before the world as fraudulent, unworthy of respect of honest men. and It Is equally true that the management of a life insurance company that will permit a gang ofln surance swindlers and conspirators to rob Its treas ury or the money contributed by Its members Is equally unworthy or respect or confidence of the public. It has been our privilege during the past twelve months to expose and bring to light some of those fraudulent attempts to rob the treasury of our as sociation. President Harper ha mentioned soma of the fraudulent claims whose promoters had been frus trated by hit association. He also animadverted to a libel suit that bad been successfully prosecuted by. the association. He referred to the fair treat ment accorded the association: by the Insurance Ocmmlatloneri T ttthsr BUMS,' aid iM reported satisfactory progress regarding the new building that the association is to erect for its new home office at the corner of Broadway and Duane street. He then took up the controversy that has always existed between what is known, on one Bide, as a Stock or Semi-Mutual Life Insurance Company and. on the other side, a Purely Slutual Company, such as Is the Mutual Reserve Fund Life Associa tion. He pointed out the advantages as the mem bers understood, of the Purely JIutual Company, and suggested that If the Scml-MUtual Companies persisted In their unjust and unpopular craaado It would be but right lo fight them with retaliatory legislation, which public sentiment would really endorse.! Mr. Harper concluded: The foundation principles of the system presented by the Mutual Reserve Fund Lire Association con tinue the same to-day as In the past, which are to collect from the members the actnal sum required for the payment or its current death claims anil legitimate expenses, the same cqmtably appor tioned among the members according to the age or the member and the amount or insurance held by each. The Reserve or Emergency Fund is admitted to be an excesover the current cost, and thererore It is held, first, rr the payment or excessive death claims, its object being to prevent excessive pay ments trom the members in any year: second.If not so required to be returned to the members by credit oh their future premiums, or in cash at stated periods, as their contracts provide. SUCCESSFUL AGENTS. On October 10, 1891. a requisition was made npon our entire agency force requesting special efforts for the next ninety days. I am pleased to report that the following gentlemen have won distinction, and have by their earnest efforts secured, a warm place in our hearts, and are entitled to the highest commendation from our officers and directors. While all of our agents havedor.o most nobly In responding to this call, the lollowlng are entitled to special mention: F. C. EA"WES. Kansas City. Mo. P. F. JONES. Kansas City, Mo. R. W. GRAFF, San Francisco, CaU E. P. BARRY. St. Paul. Minn. F. W. DEACON. Racine, Wis. R. WITHERSPOON. Memphis. Tenn. A. R. McNICIIOL, Winnipeg. Man. C. B. WOLFsON, Baton Rouge, La. W. J. MDRRY. Canada. "W. II. PA ULISON, Canada. ' And it is worthy of special note that the first two names. F. C. Eames and P. F. Jones, secured Tor the association within the aforesaid ninety days no less a sum than $1, 100, 000 new insurance, all written by their own hands and through their Individual solicitation. Others have secured very large amounts, aud one and all or our agency force are entitled to special commendation for the efforts and enthusiasm manifested by tbem In the Interest of our Association, and the Board of Directors have voted to each of the gentlemen named a special tes timonial as an expression or their regard. In conclusion. I will state that your executive officers enter upon the year 1392 with absolute con fidence for the ruture. Our Association was never In a better condition than to-day. To mj official associates, to our many loyal and faithful agents in the field, as well as to the more than one hundred employees In our office, I desire to acknowledge my special obligations for the help, aid, and assistance which they have rendered In their respective departments, and to the many thousands or members located throughout our country, Canada, Great Britain, France. Belgium, Germany, and Sweden, who hare given us their loyal support in the great conflict which has been waged against us, I extend my sincere thanks and request a continuance or their confidence and sup port. Respectfully submitted, . EDWARD B. HARPER, President Mutual Reserve Fund Life Association. New York, Jan. 27, 1892. UNPARALLELED SUCCESS. What the Report or Henry J. Itelnmund, Second Vice President, Showed. Next in order came- the report or the Second Vice President. Henry J. Relnmund. which was heard with close attention and manifest pleasure. It merits reproduction in its entirety here: 3b the President, Directors and Members of the Mu tual Reserve Fund Life Association: Gentlemen The report or our esteemed Presi dent, which you. like myseir, have doubtless been gratified and proud to hear, and which is so highly satisfactory and bo comprehensive in detail that I will encroach upon your lime only to point out a rew facts which Indicate the steady progress and stability of this-great Association, and which con sequently substantiates the permanence and suc cess of the Natural Premium System of Lire Insur ance. The success or any undertaking is measured by Its achievements and by the comparison or its re sults with those or similar enterprises: and when these results eclipse those already pronounced suc cessful we are compelled to acknowledge that the prosperity of the undertaking Is established. Therefore, in order to Impress you with the fact that the Mutual Reserve is a successful Institution, I will contrast the history of Its eleventh year with that of the eleventh vear of the New York State Lire Insurance Companies. Eliminating Trom this comparison. Tor the time being, the three largest level premium companies, the Equit able, the Mutual aud New York Lire, thus com bining the remaining eight State Companies, we find, as per the State Insurance reports, that the Mutual Reserve during the past year wrote over $3,009,000 or new Insurance more than all the other New York State Life Companies, the total new business of these Companies lor the eleventh year of their existence being $41,180,772, whereas the new business written by this Association last year amounted to $44, 313,!iC5. Again, at the end of the eleventh year these com panies had but $154,458,961 of Insurance In force, as against $215,207,910 shown by the Mutual Re serve's statement, an excess in favor of this As sociation of $60,743,949. Furthermore, the Mutual Reserve during the year 1891 disbursed in Death Claims over$S05,0u0 more than did all these Companies combined dur ing the corresponding year or each, the said dis bursements by these Companies amounting to $1, 431,422.91, while this Association paid to the bene ficiaries or Its deceased members $2,290,103.80, and still Its Income was less than three-fifths of tho combined income of these Companies, the latter being $6,097,676.71, against our Income ofjs.704, 126.41. Notwithstanding the additional expense natur ally resulting from theexcess of new business, and the greater amount of insurance at risk, the ex penses of management or this Association for the year 1891 were nearly $384,000 less than the com bined expenses or these Level Premium organiza tions, they being $1,343,357.30 br $3.70 to each $1,000 or Insurance In rorce, while our expenses were but $059, 759.46, or $4.43 to each $1,000 In force Dec. 31 last. The figures for the eleventh year of two or the three largest or the Level Premium companies mentioned are not given, as the New York Insur ance Department bad not been established until several years after they completed the year in question, but in order to show that the success which the Mutual Reserve has already attained is paramount to that or these Companies, we find that it was not until the twenty-fourth year of tho Equitable, the twenth-elghth year of the Mutual Life, and the forty-third year of the New York Life that each of these Companies could show as large an amount or insurance in rorce as the Mutual Reserve had at the close or Its eleventh year. Not alone In this country has the Mutual Reserve been' an unparalleled success, but the results already achieved In foreign fields Indicate greater future prosperity, and it is with pardonable pride that we point to the following evidences of our steady progress and substantial growth in other countries. Our records show that we had In Canada, at the beginning of the year 1891, Insurance lu force amounting to $12,989,300, and at the vlose of the year this amount reached $14,615,800. the mortality on which was but $7.42 to each $1,000 of Insurance In force 31st December last. Again we had In force In Great Britain at the beginning of the year. $11, 435,950, and in France, Sweden and other Foreign Countries, SI, 319,760, which amounts were in creased so that at the close of the year they reached $14,499,800 and $6,75,135 respectively, and the mor tality for the year to each $1,000 of this business In force at the end of the year 1391 was respectively but $3.92 and $2.90. We begin the yearl8S2with gross assets of$4,349, 202.09, and alter deducting all actual and Imaginary liabilities therefrom, including the voluntary as sumed valuation or $5J0,072 for all policies in force 31st December last, there remains a net cash and Invested surplus or $2,925,492.29. and during the past year we have added nearly $400,000 to our Reserve or Emergency Fund, making this Fund $3,155,220 94. Rejoicing in the fact that every department of our organization is free from even the taint of dis horvity or scandal, and that our many field workers and office employes are loyal, industrious, and energetic, I can only add what better evidence of the successful, economical, and conscientious ad ministration of your Executive Officers need be presented or desired ? Respectfully submitted, HENRY J. REINMUND, Second Vice President. NEW YORE, Jan. 27, 1692. TREASURER'S REPORT. John TV. Yrooman's Record of the Year In Figures. Treasurer Vrooman preceded bis report with a witty and graceful speech which was enthusiastic ally applauded. It did not take him long to read his report, but Its Interest was In Inverse ratio to lu length. His record of success in figures fol lows: (Mortuary and Reserve Fund Accounts.) Balance, Dec 81, 1830. $2,793,375 74 RECEIPTS. Net receipts from Mortuary Calls, Jan. 1 to Dee. IL In- lttSta...-.,....$S,l0,a8 - Fund, Jan. 1 to Dec. 31, Inclusive .' 123.336 H Unused Special Deposits 23,727 40 Total Receipt.. ........... 2.707.367 00 $5,502,742 74 DISBURSEMENTS. Death claims paid as per detailed list herewith $2,290,108 80 Balance December 31, 1391 $3,212,633 94 Accounted for as rollows: Bonds and Mortgages (tirst liens on Real Estate) $2,287.900 00 Bonds Dominion or Canada 5 per cents. 62,325 57 Bonds Province or Quebec 5 per cents... 50.X 00 Registered French RrntcsSpercents... 30,163 77 Bonds Credit Foncicr, Paris, France. 3 per cents 19.979 8S Bond City or St. Louis. 3 65-100 per cents .. 1,000 00 English Consols ZH per cents 87,500 00 Cash on Deposit with Chemical National Bank. New York 100,00000 Cash on Deposit with First National ' Hank, New York 100,000 00 Cash on Depolt with Fourth National Bank. New York 132.360 00 Cash on Deposit with Central Trust Company. New York 109,339 09 Cash on Deposit with National Park Bank. New York 42.055 16 Cash on Deposit with Credit Fonder. Paris. France 41,231 28 Cash on Deposit with Stockholms Enskllda Bank, Stockholm 30,894 40 Cash en Deposit with Merchants's Ex change National Bank. New York.... 25,000 00 Cash on Deposit with Chatham National Bank. Hew York 25.0CO 03 Cash on Deposit with Mercantile Na tional Bank. New York 20,000 00 Cash on Deposit with National Provin cial Bank. London. Eng 17.640 00 Cash on Deposit wlih Fourth National Bank (Mortuary Account) 14,659 00 Cash on Deposit with Third National Bank, Boston. 3Iass 10,869 90 Cash on Deposit with First National Bank, Milwaukee. Wis 3,523 15 Cash on Deposit with National Bank, Lawrence County, New Castle, Pa.... 500 00 Cash In Office (Mortuary Account) (OS 63 Total $3,212,633 4 Respectfully submitted. (Signed) John W. Vrooman, New York, Jan. 27, 1892. Treasurer. The Secretary's report showed that the net sur plus above all liabilities was $2,925,492.29: business written during 1891, 14,071 policies, amounted to $44,318,965; In force Dee. 31, 1391.64,679 policies, amounting to $215,207,910. Medical Director J. W. Bowden here presented his report, replete with pregnant facts. The amount of business presented for review and action by the Medical Director and his associates was $50,018,615. and of this amount after careful exami nation and voluminous correspondence there was accepted $44,318,965. The rejections were 1,182. representing $3,897,260. In this class all the His that flesh is heir to are rep resented; 442 of this number were rejected or rated 60 low by the Examiners that they could not be ac cepted, and the remaining 740 were rejected by your Medical Director or the Examiners at the Home office. In no case has this action been taken hastily or until after a due consideration or eacn case on its merits. In the reports or Counsellor Frederick A. Bum ham, he said: One or the most important matters entrusted to me during the past year has been the examination or a proposed revision or codification or the statutes of this State in relation to lire In surance, and the preparation, in conjunction with the representatives and counsel of other associa tions, of a proposed bill more thoroughly recog nizing and firmly establishing the principles of our system of insurance than any other act ever before passed by the Legislature of this or any other state. The bill passed one branch of the Legis lature of this State, and but for an unfortunate deadlock In the other branch it would ere this have been a law. In a recent interview with a member or the Commission I was assured that the bill would be reintroduced and doubtless passed at the present session. BUILT ON A ROCK. And the "Waves of Envious Criticism Can not Affect It. The report or 3Ir. J. O. Wells, third Vice-President, was now heard, and its sound, trenchant de ductions appreciated heartily. The following Is a verbatim report of it: 2b the President, Directors and Members of the Mit- Rt serve Fund Life Association. Gextlemen In presenting to you the Eleventh Annual Report of the Agency Department of this Association, I take pleasure In reminding yon that we have safely passed what our adversaries were pleased to call the Crucial Year of our existence. Everyone of you who has taken part or been inter ested in the animated controversies of tne last ten or eleven year3 concerning the affairs of this Asso ciation wilt remember that upon one poiut all onr enemies and rlval3 were agreed: namely, that an Insurance organization conducted npon the prin ciples of the Mutual Reserve, could not possibly Ia6t more than ten years, and many of you will re member that shortly after we commenced business In England a distinguished advocate of tl?e old high-premium system declared that If the Mutual Reserve outlived Its tenth year he would not only cease to oppose It, but would admit the soundness of its policy and principles. That fatal year has not only been safely passed, but one more, andthe Association, with an increase of new buslntsi ap plied for In Its eleventh year of over Nine and One quarter Millions, with all claims paid In full, with additional endorsements by the State Superintend ents and other experts, with a Reserve Fund or over Three Millions or Dollars, with the hearty support of almost every Independent newspaper, and with lire, energy and enthusiasm animating all Its departments, stands to-day upon ground as solid and firm a that of any other Insurance Com pany In tne world. luencn ju3jui-3o nirux;i iu( uuriug tue past year amounts lo $59,019,615. an lncrca:! over the .previous year's New Business or$9,2M,l'j4. The New Business amounting, as I have said, to ov r $50. coo, 000. was received at the Head Office or the Association as rollows: January $5,105,650 February 3,616,109 March 3,851,000 April 3,333.9.0 May 4, 2 J, 0 June 4,331, Ob5 July 3.7.'t,64J August 3,J17,470 beptember 3.473,too October ; 4.S57.550 November. 4.5u,ti50 December 5,62a,soU ToUI $50. 019. 615 or an average of over $160,000 Tor each working day of the year. While, or course, the unprecedented success or the Association Is largely due to the character and zeal of Us agents, it is mainly due to the sound ness ortts rock loundatlono, and above all to the superb business and personal character of Its Presi dent. Ills warm sympathies toward all who are around and about him. hla extraordinary confi dence, enthusiasm, and pluck, his devutlon to his work, his knowledge ofand care over the smallest details or every day work have not only Inspired alt his officers and soldiers, but they have commanded the respectand admiration of every business mai. who knows him. J. D. WELLS. Third Vice-President. Next followed the report of the Comptroller, E. F. Phelps, which can be summarized in this one ring ing sentence taken from it: "1 unhesitatingly stale that the greatest possible care was taken to prevent error or an Injustice being done a single member; that every contract or agreement was carried out with equity and lalrness to all; that all just death claims were promptly paid on or before they were due. careful investigations beln&r made when nec essary to protect the Association, and that when doubts arose the beneficiaries were always given the benefit of such doubt: that the Reserve hiner gency Fund was handled end Invested with the most scrupulous care." No report read, except it be that of President Harper, was received with greater evidence of In dorsement than that of Chairman V. R. l!lsell of the Investment Committee. Among other things it saia was: "The $2,257,900 or the Reserve or Emergency Fund Invested on Bond and Mortgage, and which your committee have especially to deal with, is on first-class, improved, and paying real estate in the city of Heir York, and represent first mortgages at less than 60 per,cent of ltd appraised value by Hon. Michael Coleman, who Is recognized by alt real estate men as one of the most competent, careful, and conservative appraisers In the city of -Nef York." The report of O.D. Baldwin. Chairman or the Death Claim Department, showed that during the year there had been audited and oaid 700 benefits amounting-to $2,290,108.80, an excess or $lli,6Iu.M) over 1390. This mortality showing compares favor ably wltii previous years when the enormous in crease of business, about $13,000,090. is cousldered. The presentation of the reports from the foreign agents of the Association was listened to with in tense interest. The extension of the Mutual Re serve Fund Life Association to Europeau countries Is one of the recent proois of the beneficence and the success or the idea on which the Association is established. It was made necessary by the request from European peoples that the advantages of the Association be made available to them, and their wish first reached extended realization upon the memorable visit of President Harper aDroad less than two years ago. biuce then-the foreign busi ness of the company has nourished to tne satisfac tion of the European members and the benefit of all. The satisfactory showing In the Auditor's reports was one of the pleasant features of tne meeting. The following figures are taken from It: Total Net Receipts 815,310,703 SO Total Amount of Death Claims Paid 12,030,1411 00 TOTAL CASH KE.-4EKV. SURPLUS AS ABOVE 83,179,720 64 Mortuary Fund Cash In office 839 97 13,310,702 20 JOHN J. ACKER, KEK. 1 B BUte St., Albany. N. Y I 9iunFI.W.WllV. f AUOlwrm. ia mi., junur. a. x... I ... H So. 4th it., Philadelphia. Pa. J mala 'ftnrf .Utiftut OaastroWlEs- Chesney's report was a scheme by which eould-be readily ascertained just how any given Territory was being developed. After speeches bv Warring Kennedy of Toronto,- f Col. Shields of Philadelphia. D. A. Cameron ofon- ' tarlo. and the Hon. R. M. Wells, the President presented two faithful employees of the assocla--tlon.Messrs. Barry and Deacon. with gold watches.' Addresses describing the work In distant part -were given br Mr. Robertson of Nebraska, Judge Jones, Mr. Birr, and others. The raeetiug adjourned shortly after 6 o'clock. OFFICERS ELECfED FOR 1892. -pREirEVT-E. B. HARPER. VICE PKESIDEXT-O. D. B A LDWIJ. . SECOND VICE PRESIDENT H. J. BEIN- THIRD VICE PRFSIDENT-T.D. WELLS. TREASURER-JOHN W. VROOMAN. COMITROLI.EH E. F. PHELPS. SE'KKTAEY-K. T. BRA3IA3. , ,. MEDICAL DHUXTOH f. V-BOWDEN.M.D. AIVr-ANT SECKETARIE3-J. M. STEVEN SOX. It. W. T. AMSI)E. T. CHAIRMAN D . DEPT. O. D. BALDWIN. CHAIRMAN FINANCIAL COM. INVEST-MENT-C. R. BIfSELL. , AUDITOlta-JOUN J. ACKER, SAMUEL W. WKAY. EX ECUTIVE COjniITTEE IT..T.REIN3IUND. E. It. HARl'EIS. J. V. VROOMAN. t'OUNSEL-F. A. BURXHAM. . A-ST f OMPTROLLEK . K. MCCHESNEY. SUPERVISOR OF SUPPLY DEPARTMENT JOHN- MLLL1GAX. ASS'T 3IED. DIRECTX) R-DE. n. M, HITCH- , COCK. : 3 rlII'ERINTENDEXT-E. D. LUDWIG. - SUFEKVteoK-L B. SCHWANBECK. A RESIDENT SECRETARY, CHICAGO E. TV- PARK. 1 COUNCIL OFFICERS. ' J A. V. BRADY. Albany. N. Y. T. P. BALDWIN. Baltimore. E. I). JONES. London. England. .1. T. GRIFFIN. Loii'ion. England, s. II. TYNG. Pans. Frtnce. WARRING KENNEDY. Toronto. Ont. WILLIAM WILSON. Toronto. Ont, II. L. LIMB, Lansingburg. X. Y. H. . NU1IOFF. Carlvie. III. I. II.M1IFUJ5. Philadelphia, Pa. W. tSUYHt IIUNTLK. London. England. JULES HolIIAUD. Paris. France. F. La BL liTHE. Pari-. Kraiue. At a meeting or the Board or Directors of the Mutual Rcserc Fund Lire Association, held sub seniien: to the meeting of the members, the above officers were elected tor the year 1392. PITTSBURG OFFICE, 516 LEWIS BLOCK. J. T. GUNNING MANAGER. Ja31-1 Jnst sit down and think of the man bar pains offered you this week at Thompson's Xew York Grocery: 10 quarts navy beans ..........51 00 8 cans condensed milk... ......... 1 00 10 packages bet gelatine. 9 00 30 bars 5-cent wax soap. . .......... 1 00 30 bars 5-cent floating soap. 1 00 12 cans fine sugar corn 88 12 cans string beans to 12 cans good peas 65 12 cans blackberries 75 12 cans standard tomatoes (3-lb cans).. $3 12 cans pnmpkin (3-lb cans) 50 12cansjrood table peaches (3-Ibcans). 1 15 12 cans Bartleit pears' (3-lb cans). 1 50 12 cans green jraje plums (3-lb cans).. 1 "0 16 lbs London layer raisins........... 1 00 18 lbs loose muscatel raisins 1 00 20 lbs Valencia raisins '.. 1 00 20 lbs English currants 1 00 20 lbs Turkey prunes 1 00 20 lbs California evaporated peaches.. 1 00 20 lbs dried blaekb(-ies 1 00 50 bars best scouring soap 1 00 24 lbs new Lima beans 1 00 10 lbs dessicated cocoanut 1 00 5 lbs pure cocoa 1 00 4 sacks choice amber flour (guaran teed) 5 00 Extra snear-enred shoulders, per lb. . . 64 25 lbs white sugar 1 00 Goods delivered free to all parts of both cities. To those living out of the city we will prepay freight on all orders of S10 and upward to'any station or landing within 103 miles of Pittsburg. Send for price list. 3L E. Thompson, 311 Market street, directly opposite Gusky's entrance. Blaine's Name Booms Alongside of that of Jfaginn, whose crack ers and confections are always strictly pure 'and fresh. Ask your grocer; E. MAonnr, 913-915 Liberty street; 80 Federal street, Allegheny. Bargains. Closing sale of winter suits, trouserings and overcoats. Suits to order 525, pants J6, at Pitcairn's, 434 Wood street. lilMDITfl OILTDITILFEI.il BY DH. LOWE AND ASSOCIATES. 323 PENN AVENUE. In order that all may prove their skill and snperior methods In curing catarrh and dys pepsia Dr. Lone and associates of the Catarrh and Dyspepsia Institute will treat an patients wno apply before Fe te rnary 10 for only $5 a month, medicine included. The best skill and most care ful attention is piven to each pa tient by these spe-" ciallsts and the best medicines are always used lrre speetUe or cost. In many cases the medicines alone if purchased from a. Urng store would cost more than five dollars a montn. -. to sav voa can Dr. A. & Lowe. enre a patient Is one thing; to prove you havo cured him Is another. Hundreds -of cures have been published in the rittsbnTR papers by the physicians or the Catarrh and Dyspepsia In stitute, never using any name without the consent or wish of the patient. Thousand of testimonial" and records of cures are on file at their offlce. Iai Grippe, fnenmonla and Consumption ' Often the Besnlt of Neglected Catarrh. While so many died last winter from la grippe very few patients who Ti.id received,.. tjatment from the physicians of the Ca tarrh and Dyspepsia Institute were afllicted by that disease. Lit grippe is always orsa and more liable to be attended ulth ftttaX results when there is catarrh In the svstem. Anions the prominent younjr men of Law renceville Is air. Kobert G. Hershev, who lives at 317 Main street. At times he ex perienced sreat pain in his forehead and temples. He had a closced-up feeling in his head and nose and weak: eyes. His throat became sore In his effort to expel the toash poisonous secretion that dropped from hU Head. It seemed to him as if something had formed in his throat that he could neither get up or down. As the disease extended to the tubes of his lungs his breath became short, he felt languid and more tired in the morning than on going to bed. In fact, ca tarrn weakened his whole system. His own words: "I am very .wilting you should publish the history of my case, for 1 . had suffered for nine or ten years. After taking treatment at your institute 1 became curedof all the above distressing symptoms. I shall be clad to further descriho mv case toanyone. ROBERT G. I1ER3HEY."- Office hours, 10 a., st. to 1 r. sr.. and 8 to 3' r. m. Sundays, 1 to p. m. Successful boms treatment by correspondence. Price,43 a. month. Send two 2-cent stamps for question, blank. Remember the name and place, and auuic?a ui lutiura to tue MM. AND DYSPEPSIA HISTITOTL bK 823 PENS" A.VENTJE, JITTSBXXKG, PA. . jaou-iia-rrssu I "ifalteM iM$ Itil$l!sP1:ai2B! Vi'WNNWa r f . S 'I r-w i. 1 y f - 1 r m. inWn.ijwsgr .aJtMkaMailWtlMiMsWalsMlsaWsaWWMMMssiWW Mjp.ari "
Significant historical Pennsylvania newspapers