THE CAUSES Of. POVERTY.
SB. TALHAOE B VIEWS ON THE1C
Ssys'they Are Tariff Chang, Vice, Im
provldeno and Bicknas.
1 - an . k . a . . . . .
I i itt I J e aare nw pwr wvoyi wmt
yon." Mutt hew xxvl., 11.
I Who mM thai? Th Christ wb naT
owned anything during III earthly star. IHe
emit I a anil Ills grave war borrowed. Every
flg H ' ww from Roma on el' Im.
I vary drop of water Ha drank wa from
otneona else' wall. To par II la personal
tax. which waa vary smalt, only 81V ent,
Ha had to perform a miracle and maka a
h pay It. All thn heights and depth and
inghts and breadths of poverty Chrlat mnii-
red In HI earthly experience, and whan
Ha coma to speak of destitution Ha always
peak sympathetically, and what Ha aald
than la aa trim now "Jf have tha poor al
ways with you."
I For HOOO years tha broad question has been
tha art Ire and absorbing question. Wit now
tha paopla crowding up to Joseph's store-
bouse In Egypt, witness tno lamina in na
marla and Jerusalem. Wltnesa tha 7000 hun
gry people for whom Christ multiplied tha
loaves. Witness the uncounted millions of
taopla now living, who. I believe, have
never yet had ona full meat of healthful and
nutritious food In all thalr llvtu. Think of
tha 8M great famine In F.nglnnd. Think ot
tha J5.000.Cin0 paopla under tha hoof of
hunger year hafora lt iu llnssl. Th fail
ure of the Nile to overflow for savon year
In tha eleventh century left those regions
depopulated. Plague of lna-t in England.
Plagued rata In Madras Presidency. Plagim
of mice In F.mt, Plague of locust In China.
Plague of grasshopper In America. Devas
tation wrought ly drought, ly deluge, by
frost, by war. by hurricane, by earthquake,
liyeometsflylng too nearthn anrth.by change
tn tha management of National finances,
by ba'.nful cause Innumerable. I pro
ceed to give you thraa or four masons why
mv taxt Is markedly and graphically trua In
this year lH'.U.
Tha Hrst reason wa havo always tha poor
With ns Is baeaue of theperpetual overhaul
ing of tha tariff quest Ion. or, ns I shall call
It. thetiirlftifl controvfray. Tharo Is a nee I
for sunn a word, and so I taka tha responsi
bility of mann Injuring it. Tharaara millions
of people who ara expecting that the present
Congress of tha t'nltad Stat' will do some
thing one way or the other to end this dis
cussion, but It will never and. When
I wns five ynnr of ugn, I romora
bar hearing my father and his neigh
bor In vehement discussion of this very
question. It wus high tariff or low tariff or
no tariff at all. Whan your great -grandchild
dies at ninety years of age. it will probably
be from over-rxertlon In discussing tha
tariff. On tha day the world Is destroyed,
there will be three raeu islanding on the post-
cfflM steps one a high tiirlH man,
another a low tariff man, and the other a
free trade man each ona red In the faen
from excited argument on this sul
Jeot. Other questions may got quieted, tha
Mormon question, thu silver question, tho
pension question, tha civil service question
All quetttlons of annexutiou may coma to
peaceful settlement by tho annexation of Isl
ands two weeks' voyage nway and tho heat
of their volennon conveyed through pipe
tinder tho sea made useful lu warming our
continent, or annexation of thn moon, d
throning the queen ot night, who Is suld to
be dissolute, and bringing the lunar pnpula
tions under tha Influence of our Irea Instttu
lions : yen. all other questions. National and
International, mny be settled, but this traffic
question never. It will not only never be
aettled, but It can never bo moderately quiet
lor more than three years at a time, audi
party getting Into power taking one of tha
our yearn iu iix u up, uju iuu iua u-xi
. Darty will Ox It down. Our finances cannot
hat wall bane use oi too many doctors. It Is
with sick Nations as with slok Individuals.
. , UUUl IU MlTtu.. ... , u
body. A doctor la called In, and ha admin
i Jsters a fohrifuge. a spoonful every hour.
But recovery is postponed, and tha anxious
friends call in another doctor, nnd he says i
'What this patient needs Is blood letting ;
now roll up your sleevo!" and the laniX't
flashes. Hut still recovery Is postponed, and
a homeopathic) doctor is called in, and he
administers some small pellets and suys :
'All the patient wants Is rest."
r Kecovery still postponed, tho family siy
fhut such small pellets cannot amount to
much anyhow, and nn allopathic doctor U
called In, nnd ho says, "What this patient
wants is calomel uud jalup." Jtvovcry still
postponed, a hydropathic doctor U called In.
and he says: "What this patient wants Is
hot nnd cold baths, and ho must have them
right away. Turn on the faucet and gat
ready tor tha shower baths. l.eeovery Is
still postponed, an ule.-trio doctor Is culled
In, and lie bring all tho s.-hools to bear
upon tho poor sufferer, and the put lent, after
a brave struggle for life, expiro. Whut
killed himV Too many doctors. Aud that
Is whut Is killing our National finances, jiy
peraonul friends, Cleveland and Harrison
and Cnrlislo and McKluley and Sherman, as
talented and lovely and splendid men as
walk the earth, all good doctors, but their
treatment of our languishing llnauces is so
different tliut neither treatment has a full on-
Ijonuniiy, auu unuer tno constant chauges it
s limply wonderful that the Nation still
lives. The tariff question will never be set
tled because of the fact which I have never
beard any one recogul.e, but nevertheless
the fact that high tariff is best for some
people and free trado is best for others. This
tsrifnc controversy keep business struck
through with uncertainty, and that uueer
talnty results In poverty and wretchednoss
Sot a vast multitude Of people. If (lie eternal
N gab on this question could have bean fush
loned Into loaves of bread, there would not
be a hungry man or woman or child on all
thepli.net. To the end of time, the words
Of the text will be kept true by the tarifHc
controversy "V have the poor alwuys with
yon." '
i Another eauso of perpetual poverty Is the
cause alnohollo. The victim does not last
long. Ha soon crouches into tha druukur Ts
grave, jjut what about his wife uud chil
dren? Hue takes in washing, when she oan
get It, or goea out working on small wages
because sorrow and privation have left her
Incapacitated to do a strong woman's work
The children are thin I.Io.i.Im I .,i
Had pule and weak, standing around lu cold
j.iuw, r piiouing pennies on the street cor
ner, and munching a slice of unbuttered
bread when they oan get it, sworn at bypass
ersby because they do not get out of the
way, kicked onward toward manhood or
nuuiouuuuu, ior wnicn tney have no prep
aratlon, exoapt a depraved aimetiW and
frail conittitulion, caudldato for aim-
nouse and penlteutlary. Whatever
wurr cause oi poverty may rail, the saloon
may be depended on to furnish an ever in
creasing throng of paupers. Oh, ye grog
hops of Brooklyn and New York and of all
the oitlcs i ye mouths of hell, when will ve
. muu"ii nun urrourr i narauno
danger of the liquor business falling. Ail
other style of business at times fail. Dry
goods store go under. Hardwur stores go
onder. Grocery stores go under. Harness
maker full, druggist fall, bankers fail,
outohers fall, baker lull, confectioner full
but the liquor dealers u ver. It Is the only
eoure business I know of. Why the per
mansnce of the alcoholic trader Because
In the Hrst place, the men lu that business.
If tight up for money, only have to put
lato large quantities of water more trych
nine and logwood aud nux vomica and vit
riol and other congenial eoncomitsnts for
adulteration. One quart of the real geuuine
Ipandemonlae elixir will do to mix up with
aeveral gallons of milder damnation. Beside
jthat, these dealer ouo depend on au Increase
of demand on the part of their customer
The mora of that stuff they drink, the thirst
iler they are. Hard time, which stop other
business, only Increase that business, for meu
go there to drown their troubles. They tali
the spirits down to keep their spirits up.
I kill I I I I, - -:.la mI-h -V. -
puiinuiBiniPi ill. TiinnuB
bort, cognac, whisky, torn and Jerry. our
tnash, on and down until It la a sort of a ilt
laraof kerosene nil, turpatitin, toadto 1s,
: twill, asaenaa of ta horse Manners ani t sn
' j tral asstlnaaa. With Its red sword of flat aa,
I that liquor power marshals It pro -
Won, and they move on In ranks long
I anough to girdle tha earth, and tha p ro
caaaton I beaded by the nose Motel ,d
I nerve shattered, rheum ayad, Up bloat d,
soul scorched Inebriate, followed by tha
women, who. though brought np In eomfcrt
able home, now go limping past with aalte
and pains and pallor and hunger and wm,
followed by thalr children, barefoot, tin
combed, fraenlng, and with a wrotcberinw
of time and eternity seemingly compressed
In thalr agonlaad feature. "Forward,
march r aria tha liquor btfslnaa to t'nat
army without banners. Keep that Inflnei ve
moving nn, and you will have the poor al
ways with yon. Rxport aotne from on of
theattlaa, ware tha majority Ot the Inhsbi
tannt are out of work and dependent on
charity, yet last year they spent mora In last
city for rum than they did for clothing nnd
groceries.
Another warranty that my tert will prove
Irue In tha perpetual poverty of tha worl d Is
tha wicked spirit of improvidence. A v ast
number or people have such smalt tneocine
that they cannot lay by In savings lank or
Ufa Insurance ona cent a year. It takes av ry
farthing they can earn to spread tha ts.hla
and clothe the family and educate the chil
dren, and If you blame such people for Im
providence you ena'-t a cruelty. On such a
salary as many clerks and employe nnd
many ministers of religion live, and on uh
wages as many workmen receive, they can
not. In twenty years, lay up twenty cai us,
Hut you know nnd I know many who have
competent Incomes, nnd could provide soma.
whut for the future, who live un to everv
dollar, and wheu they din their obli-
iren go to t ne poornousn or on the
stT'-at. Hv the time tha wife gets the
husband burled, aim is in 'n!t to tha umler
taker anil gravediggcr for that which she
can never pay. While the man llvo 1 ho iiad
bl wlna partle nnl tniny stung vritli
tobacco, aud then expired, leaving bl fanuiy
upon tha charlttea of the world. IHi not
send for mo to como nnd conduct the
oIisivmiIcs and read over such a carcass the
heautllul lltugv, 'liiesea.i ara tne ueai irho
tile, in tha Lord." for. Instead of that. I will
turn over tha leaves of tha HIMo to I
Timothy v., is. where It says : "If any ro-
vtde not for his own. and especially for
those of his own house, he hnth dnld the
faith, and Is worse than an Infidel or I will
turn to Jeremiah xxil., 19. whro It s-.y,
He shall be burled with tha burial of an
ass. drawn and cast lortli Deyon i tne gate
of Jerusalem."
I cannot Imagine any mora unlal- or
meaner thing than for a mail to get his sins
pnrdonad at tha last minute, and then o to
heaven, and live lu a mansion, anil go riding
about in a golden chariot over tha go.nn
streets, while his wife and children, whim
he might havo provided for, are begging or
cold victuals at tho basement door of an
earthly city. It seems to mo there ought to
be n poorhouse somewhere on the outskirts
of heaven, where those guilty of such Im
providence should be kept forawhllo ou thin
soup and gristle instead of sitting dowt, at 1
the King's banquet. It lasald that thecbi.rch
is a divine institution, and I bollevo It. ut !
as certainly are the saving banks aud -.he
life insurance companies divine Instil uti ns.
As out of evil good ofteu comas so out of the
doctrlneof probabllltlcs.calcu'.atedby Profes
sor Hughes and Professor Pascal for games of
chance, enma the calculations of the proba
bilities oi human life us used by life Insur
ance companies, and no business on eartn is
more stable or honorable, and no mightier
mercy for the human raeeh'ia been born since
Christ was boru. Uored beyond anduranco
for my signature to papers of all sorts, there
is one style of paper that I always sign with
a feeling of gladness and triumph, and tlint
is a paper which tha life insurance company
require from tha clergyman after a d coae
in his congregation, in order to the pa; -ut
of the policy to tho liereft household. i
way write my nam then to they ca
"Oood for that man to have IcoKod
after bi wifu and children after
earthly departure. Muy he have one of the.
nest senis in nenven : loungman! The
day buforn or the day after you get mnrrio I,
go to a life Insurance company of established
reputation and get tho medical examiner to
put the stethoseopo to your lungs nnd Ms ear
close up to your heart with your veet off, and
have signed, sealed and delivered to you a
document that will, In the case of your sud
den departure, ni.iko for that lovely girl the
difference between a queeu mid a pauper.
1 huvo known men who have had an In
come of :W00, i-l'MM). tfllKtO a year, who did
not leave one farthing to the surviving
household. Now, that man's death Is a de
falcation, an outrage, a swindle. Ha did not
die i he absconded. There ure 100,01)0 people
in America to-duy a-hungred through tha
sin of Improvidence. "But," say some, "my
income is so small I cannot afford to pay tha
premium on a life insurant." Are you sum
uboutthaty If you are sure, then you have
a right to depend on the promise iu Jeremiah
xlix.. 11, "Leave thy fatherless children, I
will preserve them alive, and let thy widows
trjst in Me." But If you are able to, remem
ber you hnvo no right to ask Ood to do for
your household that which you uuu do lor
them yourself.
For the benefit of those young men excuse
a practical personality. Beginning my Die's
worn on tno munificent salary of m)0 a year
and a parsonage, and when thu call was
placed in my hands I did not know hn i
:uo worm i wouiu evor Ihs able to spend that
amouut of money, and I romemlmr indulg
ing in a devout wish that I might not l led
into worldllness and prodigality by uoh an
overplus of resources, and at a time when
articles of food and clothing were lilgher
.uuu mcy are now, i luit It a religious duty
to get my life insured, and I nrt,j.eiif e.1 m...
sail at an office of one of the great compuu-
u-, u'i i diuiki pin sua nervous lest the
raeuioui examiner might have to declare
mai i nan consumption and heart
uueaae auu a nan dozen mortal all
meuts, but when I got the document,
wuiuu i uuve yet iu mil loroe, i rit a sense
of manliness and conlldeuce aud quietude
and re-en foroement, which Is a good thing
for any young man to have. For the lack of
that leollng there are thousuud of men to-
iu troeuwooa ami Laurel Hill and
jiouiu Auuuru who might as well buve been
oine una wen ami supporting their families.
They got a little sii-k. anil thev -. .
ried about whut would become of their hcusa-
iioius in case oi their demist that their
agitations overcame the skill of the physl
ciuus, and thoy died lor fear of dying I
..n.o ,r ,,,,,) years oeon sunn au ardent
advocate of life insurance, and my aermou
on "The Crime of Not Insuriug" has been
u tuug useu on notn siilo of the sea by
the chief life insurance companies that
some people havo supposed that I received
monetary compensation for what I have said
und written. Not a peuny. I will glv auy
man 4U00 for every peuay I hav received
from any life lnsuraucs company. What I
have said and written on the subject ha re
sulted from thn conviction that these Insti
tutions are a benediotlon to the human race.
But, alas, for the widespread improvidence !
lou are now in your charities helping to
support the families of men who bad more
Income than you now have, and you can de
pend on the Imnrovideuoe of
truth of my text In all time and in all
places, ' huvo the poor always with
you."
Another fact that you may danend unon for
perpetual poverty la the Incapacity of many
to achieve a livelihood. You can go through
any community and find goo t people with
more than usual mental caliber, wno Usvor
have been able to sumiort theinsi.lvea ...i
their household. TOey ara a mystery to us,
and we say, "I do not kuow what is thH
mutter ot them, but there is
somewhere." Home of thass person have
mora brain than thousauda who ml
splendid success. Bom are too sanguine of
temperament, and they see bargain where
there are none. A common minnow
I to tbsm a gold Ash. ani a auall a a
oUno and a buuJ muW o a towpath a Bit-
oafihatn. They bny whan thing are '
at and salt whan thing ara lowest,
on tall them of city lots out West,
th foundation of tha first house baa ft;
laid. They ar, "What an oppo
Hj I " and they put down tha hard cas
ornamental oeai tor tan lot i
water. Thar hear of a new sliver
opened In Nevada, and they say. MW
chance!" and they taka tha uttia
they hare In tha saving bank nn
It out for n beautiful n t
eat ot mining stock ns was ever pr
and tha onlythlng they will aver get r
th Investment I the aforesaid llluml
lithograph. They ara always on tha
of mllllonalradom and are sometime se
as to whom they shall bequeath their i
of fortune. They Invest In aerial ma
or new invention In perpetual motloti
they succeed In what mathematicians
Impossible, the f,usrlng or a circle, rot
do everything on tha square and wb
Whole circle- of disappointment. The
good honest, brilliant failure. The
poor, and leave nothing to their famlll
a model of soma Invention that wnul
work and whole portfolio of dlai
of things Impossible. I cannot
but like tbam, because they are so ch
with great expectations. But their ch
ara a bequest to tho burenu of city elm
Other administer to tho crop of tha w
misfortune hy twlng too unsuspe
Honest themselves, thev believe all
are honest. They ar. fleeced and sr
and vivisected by the sharpers in nil
of business and cheated out ot ev 'n
between cradle and grave, and thos
exceptions only lieeause th.-y have n
to do in buying either of tha-n. Otl
retained for misfortune bv lnpp
sickness. Just nst hit lawyer w is !
the plea that wouM have put ln-n i
the strong men of the profession,
ralgla stung him. Just as that
clan wis to prove his skill In a
demle, his own poor health Imprlsonc
Just n that merchant must be at the
for some decisive and Intro lu -tory bi
he sits with a rheumntl" olnt on n
the room redolent with liniment. Wl
overwhelming statistic would be the st
men and women and children Impovc
by sicknesses! Then the cyclones,
tha Mississippi and Ohio fenshels. Th
stopping of tha fa-torles. Then the cur
among the pea-h trees. Then the In
devastation of potato pat 'hes an I v
Held. Then the eplr.ooti.-s anion,
horse, and tha hollow horn anion
herds. Then thn rains that drew
everything, and the droughts thn
up half a continent. Then the
grove die under thn white t
the hoar froat. Then the coal sfrils
tha Iron strikes, an I h mechanic' a
whl"h all strike Inlior hur b rthan thev
capital. Then thy ye low fever at Brm
nn I Jacksonville and rthreveporf. Th
cholera at the Narrows, threatening t
at New York. Then the ChnrloMou
quake. Then the Johnstown flood,
hurricane sweeping from I'uribbenn
Newfoundland. Then there am the
monopollee that galley the earth will
oppressions. Then them am the nece
of buying coal by the s.-uttle I nst en I
ton, an I flour by the pound instead
barrel, and so the Injustices an mill
In the wake of all these am overwii
Illustrations of the truth of my tex
have the poor always with you,"
lltmiomher n fact that in one ernpha
a fart, nevertheless, upon which I v
put tha weight of an inrnlly of toi
that the best way of Insuring yours,
your children and your grandeh
against poverty nnd nil other troiiMes
helping others. I nm au agent of the
Insurance company that was ever -.tab
It Is nearly S00O years old. It ha tl
vantage of all tho other plans of
anee whole life policy, eudov
Joint Ilia and survivorship p
ascending nnd descending se.tlcs i
mlum and tontine and it pays up
you live and it pays up after
dead. F.vary cent you give In a
tiun spirit to a poor man or wo n:in,
shoe you give to a baroloot, av ry st
wood or lump of coal you give to a I
hearth, every drop of meuiuiue you gi
poor invalid, every star of hope you w
shine over unfortunate mutcrnliy,
mitten you knit for cold lingers, is
mailt on tha premium of that policy
about OOO.OOO.OIM policies to all wl
forth and aid the unfortunate. jj,,.
only two or three lines in this poih-y ,
Insurance-Ps. xll., 1, "Blessed is h
con.sliicreth the poor ; the Lor I will !
him lu time of trouble. "
Other life Insurance companies
but this celestial life Insurance
never. Tha Lord Ood Almighty Is
bead of It. and all the angels of heave
In Its board of direction, and Its n-.se
all worlds, and nil the charitable of nr
heaven nru the beneficiaries. But.'
unio on, i no nm ikii a tontine im:
well, and that which ymi otter Is more
tontine nnd to be cliie'ily paid In this
"Blessed Is hu that oiisidereth thepoc
Lord will deliver hint in time of tro
Well, if you prefer the old fssl
policy of life Insurance, which i
paid till after death, you cu:i I
commodnte.i. That will Im given you
day of Judgment and will be hamb
by the riht hand, the pier -e l hand
Lord Himself, ull, u y0 ju
spirit for the poor U payment oa tl
Uiluul of that li'o insurance policy,
you a paragraph of that policy : "Thei
tho King say unto them on His right
Come, y.i blessed of .My Father, for
hungered, and ye gave Mu meat : 1 wn
ty. uud ye gave Me drink s I was a str
and ye took Me iu ; uuked and ye c
Me. "
In various colors of lafe other life
ance policies are written. This oue
Just shown you Is written In only on.
of Ink, and that red ink, tho blood
cross. Bless, d bs Ood, that Ls a ps
policy, paid for by tho pangs ot the t
Ood, und alt we o Id to It in the way
own good deeds will augment the s
eternal felicities. Yee. the time will
wnen tue nanus of largest cm.lmi
go down, and the lire Insi
will
companies will all go down.
w. ma insurance coinpnolcs
nil go down. In tho last great earth
all the cities will be prostrated, an 1
consequence all banks will forever su
payment. In the last conflagration th
Insurance companies of the mirth wll
for how could thev make nnnmi..
of the loss ou a universal tire'
all the inhabitants of thn mun i
ill surrender their mortal ,i.i
aud how could Ufa insurance co-m
pay for depopulate 1 hemispheres'
our celostlul life Insurance will no
harmed by that coutlue
that hemispheric accident, or
Planetary catastrophe. Blow It
like a candle -tho noonday sun! Ti
down like woruout unliolstervth..
set I Toss It Irom Ood linger like a
drop from the anther o( a vuter lily
ocean! Hcattarthem IlkethlHtledown i.
a ohoolboy' breath the world ! The)
not disturb the omnipotence, or the
posure, or the sympathy, or the love of
Christ who said It ouce on earth, and
say it again lu heaven to all those who
been heipful to the down-trodden nn,
cold and the hungry, and the houseless
the lost, "Inasmuch as ye did It to tuoi
did to Me! "
Bacteria In Animal Sallra.
The saliva of Joes and oats is
pecially rich in baoteriu, that ol
alter ooutuiniQjr a form which is
dom observed aud au fatal that
lata nnd pruiuoa pig inoculated
it die in twenty-four hour,
dog'a saliva contain au even gr
uuinbor of bacteria, ilu oocas
egg of intestinal worm aud so
Those fond and loving women wh
prone to waste their caresae upo
dog will be interested in this ito
rhaxmaceutioal Era,