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TBD2 PEETSBUKG-'
DISPATCH.
SATURDAY; -FEBRUARY-- 13. 1899.'
5'
' 1
3
Forty-Sixth Annual Report
OF the
GOMEOTIODT MOM,
INSURANCE COMPANY.
The Tear 1891 his been one of healthful,
cicadv'srowtb. and prosperity, and of true
suocessin every department of the com
pany's bubinesf. It lias promptly met the
mortalitv deii'snd incident to an old and
thorouclilv table business, bnt which was
some 450.000 le-s than the tabular ex
pected losses. It has made satisfactory
pain in premium income, assets surplus,
and businci- in force, while maintaining its
old-time and umivaled economv of manage
ment in consequence ot which it has not
onlv strengthened itself in every particu
larbut has felt itself able to adopt a some
what mo'e liberal scale of dividend out of
its prpwnifrurplut-, thus further decreasing
the current cost of its insurance, while pay
ins: due heed to future safety.
During the vear the companv received:
for premiums...
IVir int'Tit
r"nt
Balance profit
loss
,MI1,SI1 5S
and
mid
s,5ie,33t a:
81,310 IS
Total income $ 7,NM,479 00
During the j ear it paid out :
For claims by cleitli
and routmed on
tfovrji.ents:..
.st,i:c,r.i7 24
Sunilus l r turned
to
policy holders
lapsed and surren
tiered policus
1,101,209 5rt
.27. 21
Total paid policy holders. .
Com mission to
ayonts alarie-s
medical oT-iipiucri'
Joes prin tinir, al.
vcrtlslnc, Jcpi!. real
estate, and all other
expenses of mauase
mrat Taxes
...$ 5,813,371 02
77S.ra! 74
291,7b7 40
Total disbursements..
.. S6,SS5,77S 16
TUlance carried to increase net
or ledger assets $118,700 S4
Add net assets, Jan. 1, 1S91 ... 37,2s-.l,094 04
Xet assets Jan. 1.1802 $3S,20;,794 SS
Add interest duo and accrued.
srp.rl.et value of stocks and
bonds over cost, and net de
ferred quarterly and semi-annual
premiums. a per itemized
statement herewith 1,530,685 07
Gross assets, Jan. 1. 1S32 .
Total liabilities
..853,738,470 03
.. 53,679,321 14
Surplus, Jan. 1,1992 6,039,153 81
FIXAXC1AL OrEKATlOXS.
INTEREST
The interest received in 1S01 was 52,883,
741 7L Interest collections have been verv
cc and are in a ery tatisfactory condi
tion. On mortgage loans asgregating 536,
61,372 S7, there was past-due and unpaid
interest on .Tun. 1. 1S9L', only $41,972 K, or
oae-ninth of one per cent.
KF.XTs;
is ISfll were 354,613 30, a decrease from
He former jear ot ?2,4til 48, on a decreased
Jioldinj; of real estate of nearlv foOO.OOO.
or rent account does not include any con
structive rereints or payments for tne Com
jianyV use of its home office building.
Tltr TROFIT AK1 LOSS
Iralance for 1SSI1 was the result of the fol
lowing transacticiis A sain from real es
tate sales of 5135,740 4G, and from sundry
items S5,."3 67, a toial of 5141,323 13; on
the other hand, a loss on certain real estate
sales of 54,03.5 7 and a shrinkage of pre
mium on bonds sold or matured and paid at
less than cost, So5,977 17; a total of f 60,
1)12 Sj; balance in Company's favor, 581,
310 ia
The balance in 1S90 was very much larger,
owing to the more active real estate matket
2 that year.
REAL ESTATE.
Darin? 1S91 the company has closed out
for 52)7,706. 3T parcels of real estate which
crot it 46J,192.C7.
Since 1879 it has sold property taken
tinder foieclosure at a cost of 58,331,886.90,
lor 59,740,'.)12.04. a gain of 51,409.025.14, and
A aiu over the Commissioner's valuation in
lhat year of 52,736,775.63.
Onr present holding of real estate taken
ju.der foreclosure is Sr(,3ST,284.70. We be
liete that a a whole it will at least realize
its cost to the company.
BONDS.
The company has had paid or has sold
tlnrin the" year, bonds costing it 5749,
txa 25: it has bought bonds costing it
51,013,000.
It holds bonds costing 511,420,898.39. and
worth Jan. 1, 1S92, by a conservative valua
tion, 511,791,020.34.
Jspec'al attention is asked to the items of
thee bond m the detailed statement
LOANS OK REAL ESTATE.
Daring the vcar loans have been paid off
to the amount of 53,630,928 38, and new
loans haebecn made to the amount of
5(5,393,715 72; the amount outstanding being
536,417,372 87. We believe them to be
thoroughly secured, and have already noted
the ce payment of interest on them.
INSURANCE OPERATIONS IN 189L
MOHTALITY.
The death losses in 1S91 cost the company
iess than SO per cent of the tabular or ex
pected cost, making a saving, as already
stated, ot some 5430,000; a very favorable
experience, showing the far-reaching effect
ol careful selection of business, both as to
individual risks and as to lccalties and
climates as well.
The death losses ofthe Connecticut Mutual
bare been adversely criticised by the tontine
companies, and some of the younger non
tontine companies as larger than their owu
in proportion to amount at risk, or to some
othei assumed measure. These criticisms
proceed upon so false a basis, and so ignore
lundamental facts well known to the com
panies, but not known to the public, that a
word of explanation may be useful.
The chance of death increases with age.
Asaciven bodv of men grow older, the
iaster they will die, and t he-greater wUl be
the amount of their death losses. That is
what eery life insurance company experi
ences, what it expects, what its premiums
and reserves provide foi. It expects that
the men who co in at twenty, and thirty,
and foity, A"c . will, some of them, live to
he sixty eighty, and ninetv; and that at
those ages the death rate will be much
greater than when the men were younger;
nnd not only that, but thev also expect that
as the company earns age, if it keeps its
business on its books, it will have an in
creasing body of men growing always
older, and having, therefore, a higher
average ieath"rate and a larger amount of
dath loses. This U precisely what they
have provided against, and they have fore
cast the actual figures of the loss they may
excct The question with any company
is, therefore, not what its lcsSe are, but how
they compare mamount ad in ratio with
the losses which h expected on the busi
ness whe. it was wntten. A young com
pany may have a small apparent amount ot
losses, and yet their proportion to the ex
pected loes iciv make them excessive a
thing thy will not s.eak of. A great Ton
tine company, which is rushing in great
cambers of new men in order that they may
drop out later and leave their money be
hind them for the pool, and so is shifting its
membership rarddiv and keeping down the
average age ot its insured, may have a less
aggregate loss thtn a company which builds
up'a stable business; and yet its losses may
be far greater in proportion to its expecta
tion. ind cost it far more, and leave ices-siirj-ius.
than the greater apparent losses of
th nore stable companj-.
The business of the Connectit't Mutual
ir peculistlv stable. We do businesi upon
plats and by methods which ryotcote per
sistence. AVe write comjsr2tirelr little
endowment bu-ines which dr not keep
men in long cr.ough to grow old, and no
poli-irs 'cr Tontine perio-Js, at the end of
whici most men jro ont, ii they have been
lucky cnoiigh to atcy through.
The cUMiilr "f viir jjsir.ess it strikingly
evidenced by ihcc facts: Oaly one-quarter
7, ..HffiflKX.
wwp i ! i inp m lw
2d-iaufci mm
of it is on men under age forty-four; another
quarter is on men from forty-four to fifty
three; another quarter on men from fifty
three to siity-oae, and one quarter of it on
men over sixty-one. And the mortality on
our older ages" is farther below the expecta
tion than that on the younger ones. We are
sat ing more money "on them for dividends
titan on the younger ages.
If the safety or prosperity of life in
surance depended in the least degree on
keeping the business young, it ought to be
legislated out of existence as wholly inse
cure. NEW BUSINESS.
Our members are well aware that we are
less anxious to gain new members rapidly,
or in great numbers thn to give our present
large membership the best possible resists on
their business. We have, therefore, not in
creased our proportion of expenditure for
new business which would have been at
the expense of present members but we
have, notwithstanding, made a fair gain
over the business of the preceding year and
made a considerable addition to the amount
of business in force, which now amounts to
5153,043,053. None of this was ont for col
lection in the hands of agents when our
books were closed It was all paid for.
laCI'ENSE ACCOUNT.
"Ve have rr.icticed the wonted and tradi
tional economy ot the company in every di
rection; and yet have allowed no true in
terest to suiter from false economv. The
ratio of cTpcnse of management to income
for the vcar was 9 98 per cent; a ratio ma-
trria'.lv less than that of any other com
pany. "
It is quite the fashion for onr rivals to ex
hibit expense ratios based on the amount at
risk, or on the amount of new business
written, or some set of figures other than the
income. But expenses do not come out of
the amount at risk, nor out of the new busi
ness, nor out of anything else in the world
than the income as long as that is large
enough for expenses and other things; fail
ing that, they come ont of the assets.
It is to be regretted that the most push
ing companies no longer publish, except in
the reports to insurance departments, such
statement of their aflairs as show the items
ot income and expenditure, and as would
enable the public to judge of the cost at
which they are transacting business.
COMMISSIONS
In the light of the revelations now being
made to the public of practices existing in
certain great companies it seems proper to
inform our members that the commissions
paid by this company for business are
strictlv maintained at the conservative
standard of former rears; that our contracts
with agents do not give them a future con
trol over these commissions; when an
agency ceases., the remuneration for the
agent ceases, and such commissions as are
then fixed npon the existiug business of
that agency go to the new agent to assist
him in his work: we do not add to the cost
of payiug men who are at work for us by
paying also men who have worked for us,
after they get throngh; we do not submit to
pay enormous commissions on new business
in order to let an agent who has got thrdtigh
working continue receiving commissions
on old business; we haTe no contracts
for future -commissions against which
"advances" or "loans" or "commuted com
missions" can be made and charged up to
the agent, to'make "rebates" out of, or pay
absurd commissions and brokerages out of,
on a business which will presently be
"twisted" into some other liberal company
by the same competitive measures, leaving
old members to pay for the ambitious ex
ploit. The resources of this company are
not mortgaged to anvbody
It is trne that in these days of fierce en
terprise and competition it has not been
easy for us to secure agents against the tre
mendous temptations held out by the
"Racers." But we have been and are slow
ly getting men who believe, with us. that
success in life insurance means and can only
mean giving pure and absolute protection
to families at its lowest possible cost; and
that competitive methods worthv of a lot
tery scheme are poor credentials for a com
pany askiug men to commit to it the most
sacred of secular trusts.
So the agents v.e have and get are true
men, and the business they get stays, and
fays- ,
SUCCESS
Insurance is indemnity against loss. It is
ana can be made nothing else. To give per
fect indemnity at the lowest truecost is per
fect success; not a brilliant success nor one
gratifying to an -'ambitious manager" per
haps, but it is the onlv success there is in
the matter, and anything else that is sub
stituted for it, however brilliantly it may
succeed for the time being and until it has
wjorked itself out, will ultimately come to
naught.
This fact is slowly coming to the light in
the case of the great
TONTINE COMPANIES.
In order to "boom" their business they
ceased to teach men the sacred duty of pro
tecting their families by life insurance, and
began insieaa io snow mem estimates of the
profits that might be made ont of the for
feiture of protection. Their "experience
had shown that, in their companies,
out of a thousand men of mid
dle age taking policies, only about one
third would pay premiums for, say,
twenty years; about one hundred of them
wonld die, but nearly six hundred of them
would lapse give up paying. So they pro
posed that no one should have any divi
dends for, say twenty years, but par his
premiums in full; that if Any one died he
should get the face of his policy, leaving be
hindall the dividends hispolicy had earned;
and if any man lapsed couldn't pay he
should forfeit all he had paid, both the divi
dends earned and the reserves on his policy;
at the end of the twenty years those who
had been lucky enough to live and pay
through should divide up what the unluckj
ones had left.
This was called "Tontine Insurance;"
this, or a modification of it, as to the amount
forfeited, is now usually called "Investment
Insurance."
It took mightily. The estimated profits
were very large, aud people did not realize,
and perhaps t.ome of them did not care, that
the profit they might make was the loss of
other men and ot their families, and that
in order to get a chance at it they had to
risk their own money and the protection of
their own families. The reckoning dav was
far off) and agents were tempted by tre
mendous commissions and by contracts that
allowed of "advances" and "commuta
tions," by mortgaging the company's mar
gins of premiums for many years ahead.
Business increased in the most brilliant
manner; such increase became the one cri
terion of success. It was hard for plain
conservatives to make head against the
swift rush. The glitter of big figures aud
the rebates quite overbore such sober facts
as the multiplication table and the moral
law.
But in order to get lapses and forfeitures
enough they had to force the speed, a.nd to
force the speed they have had to burn their
own cargo. They competed with each other )
for business by increasing rebates, and
they competed lor each other's agents by
increasing commissions and bonuses, and
this eort of thing has gone on nntil it
swallows up practically all ot the first pre
miums, leaving nothing to cover the cost of
insurance; the forfeitures to the Tontine or
investment fund are drawn on to pay death
losses and provide reserves In place of the
premiums swallowed up in competition; the
fcettlements of Tontine profits now being
made are less than one-half what they were
j estimated at, and they are decreasing nearlr
every year; and yet they are advertised as
results" sufliciently tempting to warrant men
in betting their own money and their fami
lies' protection to get a chance at the dimin
ishing pooh Great as are the figures of sur
plus advertised by these companies, they
are less than half what they were expected
to be. The 1892 settlements are at a nota
ble reduction from those of 1891, in certain
companies at least. But hundreds of
thousands of policies have contributed their
esrned surplus and reserves, which ought to
have gone to protect families, to pay the
crowing expenses and the dwindling settre-
The more their business grows the more
their espncs must glow and the greater
must be tha mortgage on the future by way
of "advances," &c, to come out of policy
.. - . . ,. t-i. iOS.lv .(ft-tr .rtfi .iwriJB iTta lrsfclVnriii TlMlnr' iiir f A rr "mlFYu-mr- j.- -t" jhms au im a SsV-1i rlifngi vTmrrilmt fi MfflnfTT mrJrnraiTlffllnnrXaliaitJrtVfcf tli BriVIIIWHtWTMtMnlWi jsftWsMMtrirMM IhiT tmnaSTaum iV mt l7inr I I la n r TO ACHbi SAtW- rt r ? -sAJBVBHIsWtBHB V
;yaiX6g'jij,j.'"-Mt-''' ' f iii .i. .-1- i. ... ,..-, -i. !. 1 1 t ,. -! ... w in... ! !. .. !. ... . "- ' - .-' . "rzi r TiCji'---iRi-l'rw t'i"t" "
holderi. The managers of the great racers
recognize this: and while in one breath
they glorify themselves over their great
volume of bnsiness, in. the next they accuse
each of compelling the other to raise the
commissions to keep agents lrom being
stolen, to enable them still to steal agents,
and to keep up the rebates. Each confesses
the absolute necessity of reform, the last
phase of which is theproposition to ask the
Legislature of "New York to interfere and
forbid any of them to go beyond a fixed
limit of amount at risk, so that no one can
get ahead of the others. ,
What more startling suggestion can be
made of the tremendous strain which they
find themselves under, and of their own
conscious inabilitv to reform? It reminds
one of the debauchee who asksjto be put un
der restraint until he can recover bobriety
and self-control.
So the world learns again by slow and
painful experience that the dull, plain
truth is trne and alone is abiding; and. that
the only thing in insurance worth paying
lor, ana the only thing worth trying to get
out of it, is insurance and nothing more.
CONDITION OF THE COMrANY.
The real strength of the company is not
fnllv stated in the figures of its assets and
surplus, large as these are nnd certainly
worth as they are their fnll face. On the
one hand, our assets are conservatively
valued; on the other, our liabilities are
computed by a far stricter standard and at a
much larger relative amount than is the
case in any other company. Onr reserve
liability on all bnsiness written since
April, 1882, is computed on the assumption
that we will earn only 3 per cent, interest,
instead of 4 per cent., "as is assumed by all
other companies and by the several State
Insurance Departments. We carry as a
liability, therefore, in reserve for the future
protection of our contracts, some 5600,00?
more than any other company would do on
their present basis, and more than the law
requires: and this difference in.our strength
increases rapidly each year. When it is
remembered that many of the contracts we
make to-day will not mature for fifty, sixty,
or even seventy years hence, the import
ance of basing them on a rate of interest
that is certain to be earned all thattime can
not be overestimated. Nor can the forecast
of the chances of adverse change be made
too early. It is a ceaseless satisfaction to
us that this buttress was 60 early added to
our structure and is already carrying so
much of its bulk. We can look forward to
the future without anxiety,
SUMMAKV
In the forty-six years of its oxistence the
Connecticut Mutual has
Itecchedfor picmlums $168,763,763 82
Received for interest and rents. 67,739,609 54
Received fgr balance proflt and
loss 1,048,439 66
Total receipts $237,551,803 52
It has
Paid out for death losses and en
dowments $ 81,380 691 12
raid out for dividends 49,703,942 06
Paid out for surrendered poli
cies ?. 20.516,12S 64
Total paid policy holders.
Expenses
Taxes
..$151,650,761 82
,. 20 SIT 553 34
. . 7,347,090 4S
Total -disbursements $179,344,008 61
Balance net assets, January 1,
IS92 $53,207,794 88
We ask attention to several notable
features of this record. The company has
already returned to its policy holders 89.85
per cent of all the premiums it has received
from them; what it has returned to them
and the net assets held to protect existing
policies, aggregating $209,83S,535.88, exceed
what it has received from them by 541,194,
792.56; what it has returned to them, and
what it holds for them in net assets alone,
omitting 1,530,685.07 that go to make up
the total assets, are 124.3 percent of what
it has received from them; its receipts from
investments are nearly three and one-half
times its expense account, which is only 8.56
per cent of its total receipts; a record of
usefulness, economy, conservatism and
strength to which we challenge comparison.
Bespectfullv submitted.
JACOB L. GREENE, President
Good Orcans at loir Prices.
We have taken stock and find a number
of good second-hand organs in store that
must be sold.
Pelobut organ, new case, at 545.
Sterling organ, high case, at 535.
Chicago Cottage organ, at 535.
Ithaca organ, high cae, at 540. '
Estey organ, high case, at 575."
Mason & Hamlin organ, high case, at 530.
Ncedham organ, fancy case, at ?55.
Needham organ, walnut case, at 560.
Burdett organ, walnut case, at 525.
And a number of others that will go at-as
equally low prices, as we must have the
room they occupy. Come in at once and
get a choice bargain. Open till 9 p. m.
Saturday. S. Hamilton,
91 and 93 Fifth avenne.
Marriage Licenses Issued Yesterday.
Name. Residence.
Jacob Rohde . Midway
Katie Elsenlieimer Slid way
William Bowman PltUbur
Louisa Gant Pittsburg
T. Fllllistl Pittsburg
Antonnla Zoborowgka Pittsburg
Albert SUtek '. Pittsburg
Annie K&tlna Allegheny
Charles Bunch Braddock
Alice Robinson 'WllMiisburg
William C. Baker Pittsburg
Jennie Brown Pittsburg
Andrew Waslowick Pittsburg
Jliclisellni llobak Pittsburg
Michael Josrm Crelghton
Annie Gabuf. Crelghton
tVASHINGTOK letter from Bessie Bram
ble in TUE DISPATCH to-morrow.
MARKIED.
McLKAX LEE On Thursday, February
11, 1S9J, at the residence of the bride's par
ents, Oakmont, by D. IV. Townsend, D. D.,
assisted by Rev. F. R. Farrand, Robert C.
McLean and Miss Elizabeth R. Lee.
IIOEVELER JIUNCnEX At Sf. John's
Chuich, Philadelphia, Joseph A. IIoevelek,
of Pitts bnrjr, to Elizabeth Ans astasia
Munchen, of Philadelphia, Wednesday, Feb
ruary 10, 1SS2, high noon.
DIED,
BIGHAM On January 20, 1S9J, nt Winni
peg, Manitoba, Joel L. Big ham. In the 45th
year of his age.
Funeral from Union station on Saturday;
February 13, at 9.30 a. m. Interment in Alle
gheny Cemetery.
I1READIXG On Thursday. February 11,
1892, at 3 a. m., Elizabeth Ewinq, widow of
James IE. .Breading, in the 93d year of her
age.
Funeral services at her late residence,
Emsworth, P,a.,'on Saturday, February 13,
at 11:30 a. m. Train leaves Allegheny station
nt 11 a. v. city time. . 2
BRIERLY On Friday, February 12. 1892, at
5 a. m., Mary Emma, daughter ot Tnomas
and Ella Bnorly, aged 12 years 3 months and
11 days. .
Funeral from parents' residence Mifflin
ifrael
NATURAL FRUIT FLAVORS.
VatlUIa Of perfect purity.
Lemon - Of great strength.
AlmoL Zf.Economylnthelr
use
RoseetC.y Flavor a3 delicately
end dellciously as tho froeh frulfr
jyiU-H-rtJ-a
y DELICIOUS
"Ftarfai
-.
township, Sabbati! aftersoos, February 14,
at 1:30 o'clock. 3
CONKERS At her residence, '331 Ohio
street, Allegheny, on Friday, February H
18D2, at 6.30 a. m. Mrs. Lena Conxehs, oldest
daughter of Conrad Schmitt, aged 19 years, 3
months and 10 days.
Notice of funeral lator.
EILER-On Thnrsday, February 11, 1893, at
5-40 p. at.. Paul Soott, son of Edward and
Jonnlo Eiler, neo Scott, aged 3 years 8
months 3 days.
Funeral from residence of parents. No. 2316
8idney street, Southside, on Saturday at 3 p.
m. Friends of the family are respectfully In
vited to attend. 2
EVANS S.iddenly. on Thursday at 11:20 a.
m., Elmer Ellsworth Evaks, aged 27 years
and C months.
Funoral from tho residenco of his father-in-law,
William Ilageman, No. 30 Miller
street, on Saturday, February 18, at 2 p. M.
Memorial at Fnlton Street Evangelical
Church on Sunday at 3 P. M. Friends of tho
family are respectfully inyited to attend.
FENLON At Blairsville, Pa., on Friday,
February 12, 1S92, at 7:10 r. M., Mrs. Mart
Feslox.
Xotico of funeral hereafter.
FORRESTER-On Friday, February 12.
1892, at 10-15 a. M., Edward, son of Mary and
the late James Foricster, aged C years and
Funeral from the.faraily residence, corner
Wylioavonuoand Juniata street, oiiSatur
day (to-day), at 2 o'clock p. it. Friends of
tho familvare respectfully Invited to attend.
GIBSON At his residence. Clay street,
Sharpsburp, Thursday, February 11, 1892, at
10 a. it., HoMEn J. Gibson, in the 44th year of
his age.
Funeral services on Sukdat, February 14,
1892, nt 2 o'clock, at Graco Church.
GREEN February 11, at 10.40 o'clock A, tt.,
Georoe'VT. Grfes, aged 8 years 5 months 11
days, son of George M. and Rosa Green.
Fnncral from his parents residence. No
1842 Middle street, Sharpsburg, Saturday,
February 13, at 2:30 o'clock p. m. Fri&nds of
the family requested to attend. 2
GtJICE On Friday. February 12. 1E92. W.
J. Guicf, aged 3S years.
Funeral from late residence, Versailles
township, Sunday, 2r.li. 2
JOSENHAXS On Friday evening, Febru
ary 12, 1892, at his residence. No. 19 Snyder
street, Alloaheny, George SV. Josknuans, in
his B9t'i year.
Notice of funeral hereafter.
KELLER On Thursday, February 11, 1892.
at 0.40 p. if., Jennetti Keller, wife of Her
man Keller, and mother of Keller" Brothers,
agod 49 years.
The fnncral will take place from the resi
dence of her husband, 5313 Butler street, on
Sunday, February 14, at 2 p. M. Friends of
the family are respectfully invited to at
teifd. 3
KR1NKS On February 12, at 12 30, Mar
oarett Incaz Krisks, daughter of Casper
ana J.inuia Krints, aged i years ana Bj auys.
A bud the Gardener save us,
A pnro and lovely child;
He gave it to our keeping
To cherish undcflled.
Just as that bud was opening
Into the peep of day
Down came the Heavenly Gardener
0 And took our child away.
Funeral on Sunday at 2 p. jr., from the
parents' residence, 148 Main street, West
End. Friends of the family are respectfully
invited to attend.
LANE At tho residence of his son-in-law,
G. W. Shannon, Verona, Pa., on Friday, Feb
ruary 12, -1S92, at 9 o'clock a. k., Jefferson
Lane, in his 87th year.
Fnneral services at his late residence on
Sunday apteroon at 4 o'clock. Interment
private on Mondvy mornino at Lutheran
Cemetery, Springdale.
LANZ On Thhrsday, February 11, 1892, at
7:30 o'clock: a. Jt., at the residence of her
rarents, Mr. and Mrs. John Selling, Lizzie,
wife of George W. Lanz, in the Stth year of
her age.
Funeral services nt the residence of her
parents. Woods' Run avenue. Allegheny, on
Saturday at 2 p. M. Interment private. 2
LOWRIE On Friday, February 12. 1892, at
2:10 a. jr., Leona, eldest daughter of Edwin
and Emma Lowrie, aged 2 years and 5
months.
Fnneral from the parents' residence, 193
Beaver avenuo, Allegheny, on Sunday, at 2
p. jr. Friends of the family are respectfully
inyited to attend. 2
MUELLER On Thursday afternoon. Feb
ruary ii, j-ouis .Mueller, at nig residence.
Boss township. "
NEALONOn Thursday, at 9 o'clock A. M.,
Sadie, daughter of Martin and Ann Nealon,
in her 18th year.
PFIEFFER At tho family residence, Oak
mont horouah, February 11, 1S92, at 1:30 p. m.,
John Martin Pfiefper, in the 67th year of
his age.
Fune'ral takes placo on Sunday, February
14, 1892, at 1 P. Ji. Interment in St. Joseph's
Cemetery, Verona, Pa.
ROSS At the family residence, No. 136
Caldwell street, Thursday, Fobruarv 11, at 8
p. m., Charles L. Ross, oldest son of John W.
and E. N. Ross, and brother or Mrs. W. T.
Taylor, aged 20 years, 10 months and 13 davs.
Funeral Sunday at 2 p. m. from Fifth Ave
nue M. E. Church. Friends of the family
nnd members of Gas City Council No. 273., Jr.
O. V. A. M., aie respectfully invited to at
tend. SHARP Entered into rest Friday, Febm
ary 12, 1892, at 5 a. jl, George Sharp, in his
68th year.
Funeral from his late residence, 127 North
Highland avenue, East End, on Monday,
February 15, at 2 p. M. Friends of the family
are respectfully invited to attend. d
SHOLES Fiidav, February 12, at 2:25 p. m.,
at his residence, Glcnfleld, Pa., Theopbilus
M. Sholes; in his 64th year.
rFhiladelphiaand Denver papers please
copy. 3
STILLWAGON On Thursday, February
11. 1892, at Claysville, Pa., at 9 p. .v., Jane
Stillwagon, mother ot YT. C. Stillwagon,
aged 03 years 6 months.
luneral, this (Saturday) morning at 10
o'clock, at Claysville, Pa.
VIELSACK On Wednesday. February 10
1S92, Tresv Viklsace, aged 70 years: also
Helen, daughter of Tresa Vielsack, aged 31
years.
Interment at Johnstown on Saturday.
Train leaves Union depot at 1 p. m.
W ATKINS On Fiidav, February 12, 1893
at 10-25 a. 51 , Mis. Mary Watkins, at the resi
dence of her son-in-law, John II. Barbour
Greenfield avenuo, Pittsbmg, In the 89th'
yearor her age.
Interment at Wheeling Sundot.
WALTER On Friday, February 12, 1S92, at
9.30 p. M , Joseph Walter, aged '20 years.
Funeral from the parents' residence, No.
49 Vocgtly street, Allegheny, on Sundat, at 3
p. m. Friends of the family are respectfully
invited to attend. 2
WRIGHT On Thursday, February 11, 1S92,
at 9-20 a. 1., Mrs. Mary Wright, "aged 70
years.
YOUNG At the residenco of her son
Thomas M. Young, Plum township, on
.lnursaay, .reoniary ii, iaua, at 230 p. m.
Elizabeth TTouko, in her 92d year. "'
Funeral on Saturday, February 13, 1S92, at
11 a. m. Friends of the family are respect
fully Invited to attend.
ZI JIMER At her home, 3248, Locust street,
Philadelphia, on Monday. Febrnary 8, 18M,
at 5 p. K., Mis. FitAitoisoi Zimmek, in the 66tji
year of her ago.
IFIL.O'VvriEIR.S:
FUNEUAL VOUK A SPECIAL.TV.
(Tolephono 183t.)
BEN. L. ELLIOTT,
Tho Fifth Avenue Florist. S3 Fifth avenue.
de31-TTS
WESTERN INSURANCE CO.,
OF P1TTSBUKG.
Assets $418,501 67
No. 411 Wood st.
ALEXANDER NIJIICK, President.
JOHN B. JACKSON, Vice President.
Jel8-3S-TTS VM. P. HERBERT, Secretary.
Tuff's Tiny Pills
A enablo tho drspeptlo to cat whatever A
lie Irishes. Tlicy cause the food to as-
simuaxeanu nourosn tne owij, givo
tC appetite and develop flesh,
cents. Bmct size sli (ran lr
.race, n
In border.
REPRESENTED IN PITTSBURG IN 1S0L
INS. CO. OF NORTH AMERICA,
Assets. $9,278,220 00.
Losses adi listed nnd paid bv
WILLIAM L. JONES. 84 Fourth av.
ja!9J2-D
' ,I. L. ACER. D. D. S.,
Make a specialty or tlio treatment, bleach
lug, filling and crownins of the natural,
teeth, and guarantees satisfaction. Prices
more le.ieonablc than elsewhere. Ofllco210
Sinithfield St., Pittsburg. ' delG-7J-uws
NEW ADVERTISEMENTS.
0. McCliitod & Gos
GREAT WEEK
OF
FURNITURE. '
. BARGAINS.
ComiAencing
on Monday,
February 1 5,
and closing
at 10 d clock
of the follow
ing Satur
day night, we will offer almost
our entire stock of first-class
and desirable Furniture at an
average reduction of 33 l-j per
cent from regular prices.
These heavy reductions make
this the buyers greatest oppor
tunity of the year, and at the
same time compel us to make the
Terms of Sale "Spot Cash and
Delivery Before April isl."
All prices are in plain figures,
so that "he who runs may read"
and see if any want in the home
furnishment can be supplied
from these desirable bargains m
Chamber Suites, .
Parlor Suites,
Chiffoniers,
Easy Chairs,
Cheval Glasses,
Upholstered Rockers,
Ladies' Dressing Stands,
Library Tables,
Wardrobes,
Leather Library .Chairs,
Sideboards,
Center Tables,
China Cabinets, '
Book Cases,
Buffets,
Ladies' Writing Desks,
Extension Tables,
Dining Chairs.
N. B. See in show-window
sample' xi a 3-piece Chamber
Suite, of special good value and
good finish,' reduced during this
sale to
SH WITH ENGLISH DRESSER,
S17-WITH FBEHGITGHEVAL BHESSEB.
ofcun&co.
33 Fifth Ave.
fel2
AND
LACES.
Our now stock:, embracing all of the latest
novelties Imported, is now complete. Includ
ing a beautiful lino of Narrow EMBROI
DERED EDGINGS and INSERTINGS, in
extra flno work, for Infants' and Children's
Clothing; alsoWhitc Embroidered Flounclngs
fqr Skirt and Pillow-Case Tummlng. DEMI-
FLOONCINGS with INSERTING to-match
allot the above. HEMSTITCHED FLOUNC
INGS, plain and embroidored, 22 to 46 inches
in width. ALL-OVER EMBROIDERY, revere
and tucked muslin for yokes. '
In FINE WHITE GOODS we have French
Nainsook, sheer, medium and heavy; Plain
Nainsook, Sea Island Nainsook, Soft French
Cambric, Masaiia, India and Victoria Lawns,
Barred and Striped Nainsook, Striped and
Checked Indian Demity all of the newest
pattern. A new thing in the way of printed
nnd embroidered Polkadot Swiss In Ecru
ground. Embroidered Sash Curtain Swiss
Cotton Diaper, all widths.
It is very evident that ECRU LACES will
be very much used this season for purposes
to which lace are brought "into uso We
have especially beautiful lines in new styles
of Guipure De Genes Ecru and Two Tone; or,
moro plainly speaking, whito and Ecru com
bined. Patent Val, Patent Point and Oriental
laces from narrow to Demi flouncings widths;
Torchon and Medici laces and lnsertlngs,
new patterns and all widths. Machine made
linen, crochet edge by the piece, 25o to 75c a
dozen, i
In connection with our regular white
goods department we beg fo call your atten
tion to the faot that we have a full line of
White Muslins, Lonsdalo and Berkley Cam
bric, PJllow Case and Slieeting Muslins In all
widths and which we guarantee to sell at
tho very lowest prices.
Ont of town customers desiring lines of
samples to select from will please notify us.
HORNE&WARD
- 41 ifth Avenue.
fel2-49
r )
.EMBROIDERIES,
WHITE GOODS
NKW ADVERTISEMENTS
WE ARE STACKING
Rolls and Rolls
CARPETS.
New Goods. Choice Patterns.
But cannot show them.
WE Ma ROOM
:fja.st
For the rest or this month.
Bargains in Everything.
CARPETS,
CURTAINS,
LINOLEUM, Etc.
See the elegant assortment of
Tapestry Brussels we ofTer at 5c
per yard.
GINNIFF & STEINERT,
WOOD STREET CARPET HOUSE,
305 WOOD ST.
fl0-TTS
& B.
JNEW
.SABLE CAPES,
17 inches long in back,
pointed front, high shoul
ders and collar,
$25.00.
NEW
28 inches long, of the fine
moire wave fur which is so
choice and desirable, most
comfortable shape, no bind
ing, perfect fitting,
$25,00.
NEW SHORT
$15 and $18 quality, at
$6.50 and $8.50.
NEW LOT
$12.50.
Other Cloak Room bar
gains that are worth -seeing
about
BOGGS & BUHL,
ALLEGHENY, PA.
fel2
"IN
TIMES
Now, before
housecleaning time
approaches with
all its unexpected
needs, be prepared,
and select while
our goods are fresh
and in order,
OF
PEACE
PREPARE
FOR
WAR."
and while our working people are
not so rushed. Your new Shades,
Sash Curtains, Draperies, Slip Cov
ers, etc. Have the old Chair op
Couch reupholstered, Mattress reno
vated, Curtains cleaned, and new
ones purchased from
SHUMAN BROTHERS,
Cor. Wood and Diamond.
fe2-TT3
Tanners
GENUINE
.v FssfinCB of Health.
sS?
-;' A Trtirn famllv
5 - Z .,', " 7 - '.
-111 QUtUlUC 1UI
tonins up and re
building the sys
tom. One of tho
greatest blood
punnors Known
Unexcelled for
the cure of Rheu
matism, Congh(
and Colds.Catarrn
Asthma, Throat
Tt aam A A 41 'I'nvntil
Liver, Dizziness and Sick Headache, Palpi
tation of the Heart, Cramps, Dysentery, DI
arrhma, Sorofula and diseases arising from
Imperfect and depraved state of the blood,
Piles. Costivoness,
Nervousness. Affections
of the Bladder and Kidneys,
taken we guarantee a cure.
If properly
For sale by
druggists, and
The Danner Medicine Co.
242 Federal St., Allegheny.
Priced 00 per bottle; six bottles for $300.
Write for Testimonials.
CC29-49JTW '
B
MINK
Astram
Mantles
ASTRAKHAI
CAPES
SiKS'WiaBRr.
SMMSjaa. "sai-!;iiate?SKM
tfXtrn. MK7F HK&M?
mMVUiv. WH
iHBaLtvnffi
NEW ADVERTISEMENTS-
' DRESS
TRIMMINGS.
Are ( you interested in
Dress Trimmings?
We ask the question be
cause we have just opened,
a new line of trimmings that
will challenge the admira
tion of the ladies. No
greater variety has ever been
displayed in this city, and
as for prices well, they're
the lowest on record con
sidering quality of the goods
offered. Our assortment
includes the latest novelties,
and the most charming ef
fects in color are spread out
before you. Come and take
a look through this depart
ment its beauties cannot
be described in cold type.
PLEASE NOTE.
RIBBON FRINGES.
Black and evening shades, 1.25
to $2.25 a yard.
BLACK JET EDGINGS,
8c to $2.50.
JET ORNAMENTS,
25c to 5 each.
Jet Stomachers, Jet Collars, White Pearl
Trimmings, Crystal Trimmings,
50c to S2.50 a yard.
Silk Featherine Trimmings, 38c, 50c j
and 75c.
New Silk and Jet Girdles, Cords and
Gimps, all fashionable styles and
colors.
Tinsel Braids and Tinsel Cords, all
widths, to 2 inches.
New Point de Gene ) , ,,,,
White and Ecru Oriental f lJAV-'
These are very fashionable.
Prices, 10c to 50c a yard.
.New Demi Flounces, Chantilly and
Guipure, 25c to 1.25 a yard.
Extraordinary bar
gains in Ladies' .Wrappers,
Flannel and Silk Waists.
!aff
510-518 MARKET ST.
fe9-TT8
M'K
EE'S
BULLETIN.
Try our sweet Formosa Oolong tea, worth
60c, now selling at 35c per lb, or 8 lbs for'$L
I have another Oolong tea that I am now
gelling at 45c, well worth 75c. These two
teas I will sell at the above prices for a little
while just to brine trade. Grocers and tea
dealers would do well to come and examine
my stock and convince themselves that
they can get as good value for their money
here as anywnere. Do not forget my Celon
Assam, sweetest in the world, at 50c per lb.
I am now giving 3 lbs evaporated rasp
berries for JL I am giving 12 lbs evaporated
apricots for 51: 20 lbs French-currants for Jl;
12 lbs French prunes for.$l. Above all, you
will be astonished when yon hear that I sell
pure white rock, candy, all on string, a 5-Ib
box for 60c, 5c a box, cheaper than in any
jobbing house. Grocers and confectioners'
trade solicited. The very finest Four Crown
flgs, nothing finer, 2 lbs for 25c. The finest
Jordon shell almonds at 50c per lb. Just re
ceived, another fresh supply of Momaja
coffee. Thisinimitableblend-is fastgrowing
in favor with the connoisseur, and our calls
are daily increasing from those who have
been paying much higher prices for other
mixtures. If I chose I could fill up a
column with names of Allegheny coffee
drinkers testifying to the deliciousness of
this coffee. Vancloef flour is still supreme.
Once a customer for Vancleef always a
customer.
On Saturday, the 20th inst, I will eell a
sack of Vancleef flour to anyone who will
mention this ad for 10c less than the regular
price.
Send for Price List and order by mail.
JOSEPH aKEE,
folS-SAT 36 OHIO ST., Allegheny.
&
We offer you great
bargains for a few
days; business
I suits in Cutaways
or Sacks and in 311 the latest
styles.
PLAIDS, STRIPES;
MIXED AND FANCY
CHEVIOTS
A'ND CASSIMERES.
Best value ever offered.
See our window display. "A
complete assQrtmentof Trouser
ings at $6 and $8.
ffMAIMEl'&BIM,
39 SIXTH ST.
Hotel Anderson Block.
Ja23
CANCER
nO TUKORS en ml. If
knife, send for testimon
ials. G.U.McMlcbael, M.D.,
63 Niagara st. Rnnala. J.. Y.
ai&B-7lCTSSawk
tCS, Tv'
NEW AIVKKT1SKKT-TS.
M U io $3.
From 1150 lo
From $5 lo $4
FFl$6.50tO$5.
These are the reductions in prices of
3Ien's Heavy Pants. We have more than
we care to have at this time. They are not
"ont-of-date" patterns nor shop-Torn, but
new and genteel. You'll need a pair before
the wanner weather comes, and here's the
opportunity. Matchless bargains. Call
soon.
Twenty per cent cash discount on all
Overcoats and Men's Suits means a good,
big bargain for you, no matter what grade
you by $5 for B, 520 for $16, and other
prices at the same rate.
Some of the Men's and Boys' Spring Hats
are in. Call and see them. They're "stun
ning." CLOTHIERS, TAILORS ANDEATISR3,
161-163 Federal St., Allegheny.
fel3-wsau
LOT
FUR
CAPES:
Received to
day, all the
best qualities.
High shoul-,
ders and'
pointedfronts.
1 8-inch, long,!
in seal, 45!
and 65.
In Astrakhan, 8 and $10.
In fine Sable, $45.
Monkey Cape, seal collar, 17.
Fine Sable Military Capes, full"
length, $70. .
French Beaver, 15.
Finest Martin, 35.
About half the price they were
sold at in December.
PAULSON BROS.,
441 Wood Street.
ESTABLISHED 56 TEAKS.
fe4-TT
OUR SALE OF
SEAUACKETS
Will be continued until Saturday,
Inclusive.
We have supplied hundreds-of ladies with
our beautiful loose front Seal Jackets tliU
week at the very low price of
$150.
You have not been In.
Is It because yon do nQt want a Seal '
Jacket or have you not read our advertise
ments? 1 tell vou It will -piy yonsto buy now.
I and pay you well.
Thursday, Friday and Saturday
Will be bargain days for SeaLJackets. '
J.G. BENNETTS CO.
Leading Hatters and Furriera,
Cor. Wood Street and Fifth Avenue.
fcl2
bi. S ri? -aSMsT M
MS &J1 S Jf
Xs r W -
JZ5 Cis
Sz V- .
Eilto Fhoto Parlors, 315 Market Street.
CABINETS, U FEtt DOZEN.
A one-half life size crayon, handsomely
framed. S3. No .stairs to climb. Use tha
j elevator. Xel2-m
- 'Ik $ "
M