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- . - - - - . - _ _ . . . THE OMATIA DAIT.lY IEE : SUNDAY , : OVE [ DEn 1' , i8. 1
: TIE CONTINENTAt SUNDAY
How it is 1 Observed in Pars , Berlin Bud
Rome.
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A DAY OF REST AND RECREATION
' Dlnnlel of I'/rll Rlil If .J.nnl
MIIItUII4ICR-I.flhItT of Iellrlon
In Jerln-flc IU" " !
FeNI/ .
-
The arlct enforcement of the excllc laws
In New York City ha provoked 1 ,1ulp can-
troverp Lehnen Urn advocates of the Purl-
Un or American Sumlay on the one hand and
the multitude which believe In Urn freedom of
the continental Sunday. 'fho American Sun-
day as defned by radlc31 church members
and practced In New York , means the closing
; of saloons from Saturday night until Monday
morning and the suppreulou of the NIl of
liquor Ly hotel , clubs or other placel not
Itrlcty clscd a. , aloons. The continental
Sunday Is the anttwsl , of the American : '
Sabbath r called , but It Is not that riot of I'
intoxication and revelry that Sabbatarlans
lek to Inculcale. A collection of the views
of eminent men on Sunday observance pub-
Ishcd hy the New York Independent contains
three leUers descriptive of Sunday life In
Paris , UerlL and Home. These leters pre-
Dnt the continental Sunday In different light
than Is commonly understood , anti are fairly
: representatvo of nuropo as a whole. The
Parisian Sunday Is devrlbel by Theodore
Stanton of New York City , Berlin by J. II.
'y. Slucleenberg , D. D. . ot CambrIdge , Maas. ,
and Homo bv I'rof. F. Z. Hoolcer , S. T. D. ,
_ secretary of the apostolic delegation In Wash-
Ington , recently connected with the American
j coliego In Home. From the letters the following -
lowing extracts are taken :
SUNDAY IN I'AltlS.
1 I the day be nne-A bright sun In winter I
ant cool breezl In summer-l'arls presents
the most beautiful exterior ot any capital In
the world. There are smoothly Paved road-
ways full of cheap cabs-ono of the greatest
desiderata 01 New York-ant neatly laid
sidewalks tree from those treacherous Un-
ovennUee , the bane ot the pedestrian ] In
American cites ; and , to cap all , theo Paris
streets Are as clean Then there are well
trimmed lawns In the many public gardens ,
numerOUD fewer beds blooming In every season - i ,
son , graceful fountains over playing , Innumer. '
able statues ant groups of sculptnre by past
. masters In the plaetic art. comfortable benches
scateret along mils of avenues and scores
of more comfortable chairs under the trees
of the broader streets and squares . countess
restaurants and cafes with their Immaculate
tables Invitingly Installed on the
i : broad sidewalks and lastly the
famous boulevardstho boulevards , from
the Madeleine to the Montmartretho like of
which , for nn Indescribable somothlng , are to
bo found neither In London nor In any Amorl-
can city , overflowing , especially on Sunday , '
wIth good-naturetl crowds of men , women
and children In gala dress. :
But a descripton of the attractions of Paris
on Sunday would be quite Incomplete without
some mention of the charms and ontertaln-
ment In Its Immediate vicinity. Here belong
the horse races , offered In great variety nearly
k all the year around , at Lngchamp and other
suburban tracks ; the Seine boats bearIng
< . their happy humAn freight to the Vlncennes
wood , In one direction , and to the superb aI-
I lays ot St. Cloud I the other ; the neighborIng -
Ing town of Seeaux , with its garden dedicated
4 10 Robinson CruMe and Friday and Its din-
lug tables perched In the easily accessible
branches at towering chestnut trees ; St.
Denis , wIth Its tombs , and Versailes wLh Its
picture galleries , and , still further away but
one ot the favorite Meccas of th. more well-
. wel-
to.do Parisin Sunday sIghtseers , l ontalna
bloati with Its historic apartments and Its
grand forost.
Such are some ot the more inviting aspect
of external 1 and exterior Paris on a propitious
Sunday. NoW n word nbont a few of the Internal -
ternal , the within-doors alurements ot this
same captivating city.
The magnificent I.ouvro wIth Its Immense
collections of paintings . sculpture ! , antiquities ,
ethnological and naval museums , Is thrown
wide open on Sunday , year In and year out ,
to the delighted crowds who throng Its gal-
10r1N from morning tilt nIght. The ainio
thing 19 true of the fine mIlitary museum at
the Hotel des Invalides . of the Trocadero
ethnological and architectural c9licctions , of
the Gulmot exhIbition of oriental religions ,
of the motor painting and sculpture at the
Luxembourg , of the Carnavalet museum so
rich In souvenIrs of the hltory of Paris , and
true , also , ot a half-dozen or more other
museums , collections and exhibitions of
greater or less Importanco. I Is on Monday
that these public resorts are closed for the
weekly cleaning and sweeping not on Sun-
day , when alt the population Is free and can
visit thcm.
The two state theaterstho Francais and
the Odeon-and tIme opera hem > are not only
open throughout the year , wInter and sum-
men , but novel dream of closing their doors
. on the Sabbath. In fact , on that day the
frFrancaLs and time Odeon , and , as a rule , all
the ParIs playhouses . offer two performances ,
afternoon and evening when the programs
are made as popular as possible and the
male
prices at admission rClluced. In a word , time
managers oem to vie with one another In an
effort to entertain the public , a strIking instance -
stance of the democratic spirit ! which por-
yades time Paris Sunday
Furthermore , the best musical concert oc-
S cur on this same day ; and It Is on Sunday ,
too , that the military bands perform In the
parks. When the great annual picture exhibitions -
bitons are In progress the price of admission
1 reduced , as In the case ot the theaters , on
Sunday , and at the old Salon no charge
whatsoever Is made In the morning , when one
may see Uncs of people , four or five leelJ and
n black long filing In through the gates In
order to feast their eyes on tile best work at
orler leading artists ot time world.
Now how do the people of Paris use theN
privileges ot a French Sunday ? In answering
thIs question wo may "epara to the population
Into two grand divisIons. The leisure class .
that have amused themselves luring the week
tmt
generally remain at home on Sunday ; for I
they go out they complain ot finding the
streets too crowded time cabs taken anti the
theaters full. Speaking generally , I Is the
maulS who take IOSsesslon of Paris on Sun-
day ; and they evidently get so much enjoy-
meat out ot I and must bl 0 much benefited
by time aesthetic surroundings that OVen a
Puritan would have to admIt that some good
thing can come out of Nazareth.
The big stores and most of time small ones
So no business on this first day of the week N
that the army of clerks are free. Many of
the great public administrations , such as time
past and telegraphic offices , close early Sun-
and add large contingent to
tay afternoon . ( a contngout
Ihose bent on rest and Innoaent amusements.
The mechanics and vast mRjorlty of the Jay
laborers , the shop girls and house servants.
the university students-probably from 15,030
to OOOO In numberthe csdet ! ( rom the
various government school In Jaunty hIll-
terms , anti the muliude of school chllren ,
all , In their way , give , 'Incty and variety
to the joyous scene.
I may bo Bake. how are religious ; inter-
Oats atectetl by a Parisian Sunday ? I have
never perceived that they are ImmJure1 thereby.
Neither Catholic prIests nor Protestant pas-
tore appear to complaIn of it. Criticism em-
antes only trom Anglo.Saon'Islon , who
do not know the France , outsIde of ParIs.
and who do not get beneath the veneering of
l'arls Itself. I may. In fact be said that time
Catholic church profits by this unrestricted
Sunday , e pclaly In the country dlsrlcts ;
tar time peasants , who flock to t.WI chiefly
lor the ShOW9. time dancing and the promolule ,
, - begin and end the holiday at mass and 'es-
' prs.b
b I true . as sometimes asserted , that a
.
ulshn Sunday propagates immorality ? I
may seem so to an American or English eye
accustomel to our more constraInt I Sab-
baths. The noIsy merr-go-rounds loaded
with fhoutng children . and someUm"s even
wih adul _ ; the open-air concerts with many
a broad song ; the sipping ! ot wine beer and
even Itronger drinks universally anti Iub- !
lely at the cafes , and the frequent outbursts
' of hilarity on the streets and In oven cabs .
IS'- are IpL to shock and be mluuJerstoo by
oalooker from over the sea . I I. tel that It
there I alt this turmoil 01 the aurf.mce . there
ul W lottici worse bencath. Dut right
I ,
hero It I' thAt ne make our , nI'ahe. : French
reveler wear their merriment on their
lleve , . For Instarlr , one aces more Intod.
caton In Now York during one wo'k day than
would be Men In Pais during 1 month ct
Sundays. This Is no exaggeratIon , but time
.
simple truth.
SUNDAY I iiCilLlN .
The Germans make n sharp dIstinction between .
tneen the Sabbath and Sunday , cIlntl ; that
the former way peculiar to the old dll\enl-
lon , while the later belongl to the \ new
ChrIstIan freedom rClectng times and lea-
sons Is emphasized : nod I there is I no divine
command to sanctify the Lord's . day I Is
easy to make the frt day of the week 1
holiday Instead ot a holy day . The result ID
what Is known as the contInental Sunday.
For a long time , however , earnest Chrtt':8
have regard the neglect of the religious
obecryance of the day nl the source ot 1'1-
calculable moral and spiritual evils , and united
efforts have , been made to promote its rcn-
secration.
secraton.
A few year ago law restricting labor on
Sunlayere passed by Parlament , and the
elect 19 visible throughout Germany. Except-
Ilg bakeries , provlelon sierra and met chops ,
places of business are cioed In Berlin ; and
the former are also closed during the hur of
service from 9 to 1 In the morrln . and
after 2 In the afternoon. The Sundays IfuM-
dlately preceding Christmas are no included
In the law , but the stores are open ann
crowded.
There Is another Important exceptIon-the
limitations to labor on Sunday do not .lect I
the leans of transportatIon , the cafe , the I
restaurant . the saloon , and places ot onll-
ment. Alt the theaters are open , Inrlutll
time royal theater and time royal opem. The
crowds on Sunday are expected to campen-
sHe for any loss"s sustained during t'ame week.
The most objectonable play Is as likely to be
given then af at any other time . S.cular con-
cents abound. Among the most popular resorts -
sorts In winter are the dancing halls where
the dancing Its from Satunhy evening to !
Sunday morning , and to which multitudes
lock on Sunday evening. Uestur ns are
usually connected with time thealI , ) , concerts
and halls , and intoxicatIng drinks are sold
One need but look at time mllons on that dry
to learn why so many faml'le and employer
regatd the l1y of rest as TnO'ht of all to bo
dreaded , and not a few believe that many a
laborer would bo better off It the day were
spent In ordinary wurlc. Certalr crime are
more frequent on that day thl' on o htJ's ; It
Is made the occasion for Intrmpernnce end
debauchery , and In nnmerIIS Instances the ,
effects are felt .m lollay , In time lndutrial :
pursuits.
Thl Germans are very for.'l of nature , and
arc glad to CSCpJ frJm tic confnement of
the city. On any :101 : summer SUlllay multitudes -
tudes crowd Unter den Linden and tim olher
thoroughfares to get 10 time Thlcrgalten , the
great park of Bhniln. Adjoining It Is the
!
Zological garden , \.Ien' on sonic occasions
50,000 or more conr ga o. The restaumramtz' : l
and beer gardens In the uburu ! do an Icor-
mous business , the mans of conveyance are
crowded anti oVtrcrI\led , and frc'quc'ntiy
extra trains are run late at night In order to
bring the people iaclc to the city. Flre
families , parents anl children , go on theRe
excursions ; often there are large parties and ,
groups ot families . lan } ' talc coffee Insto.\1
ot beer and Ito Intoxication Is seen ; but i
statistics prove that there Is more drunken.
sttlcs
ness In Derln than a. atr.lnger would uspect.
SClletmes the exclrsrollst start In the
mlmorning but more frcllHty after dinner ,
and return In the evening . Grunewald , the
royal hunting park Is hut a few mie ! distant ,
and Is frequented ly SCrs of thousands.
The unnumbered multtlle , ! metme : hundreds -
dreds of thousands , who thus seek conlact
with nature , must not bo sumpposed to consist
exclusively of thJ who Ignorp the church.
Many attend divine "erVINS In the morning
and go to the woods In the afternoon.
The religious services are usually
held at 9 In the morning
and at 6 L the evenIng. Sunday school meets
soon after dinner : but tt ! Is mora for children .
young men and young womfm attending oniy
as teachers. Very ge.enmiiy the chlcen Le-
long to the poorer cl3e . 'fIH churches of
Derln are whol'y Inadequate. Numerous eio-
gant ones Ilav : ccootly bmm ad.k'J hut still
time actual neo Is are not met. Tha popul-
ton of the city numlrs about 1700000.
The Catholcs have over 100.011 , tIle ! Jews
about 70,000 , willie the rest . excepting a smal
numbr designated as sects , belong to the
Evangelical S''to church commonly called
the Union ; that 10 i , the Lutbeana nmmd Its-
formed are united , and have equal I'hls ; In
the same churc : A fey years ate the for \ ' (
or six dozen turclics and Illaro of worshi !
hall a seaUrg ' capacIty of GO.OO , not quite
enough to acc ) ; nHhho all the servant girls
If they went at the same time . I has repeatedly -
peatedly bean stated that no other city In
Christendom was 1 porlv provided with
church accornnodaiin'ls. : . Many of thlEe
churches were In the center of the city ; but
In the new parts , awar from time center ,
where the growth of the population ban been
enormous , few r'1Urhos ' were built . As ! con-
sequence. there were p. ' 'ihIS with aver 100. ,
000 ! u1s. : \'en now , whe' to ; numher of' '
churches has incrlIHM ; , there are palsheg
with GOOOO ' 0 SOOOO sr.uls , with but n single
church and two or thrle % pastors. Time mln-
tcrlal I force 19 r1t eqlal : t : th' dema'ids.
Marty taml09 neve" see th'J pastor In theIr
homes net even In cales of stckncp' : end
Ihonsanes of fnnor.tls occur without the pre -
once of a preauor. Sometimes they are not
wanted when the de'd are burlel ; but at other
times they ,1e wante.i : : and cannot bo baJ.
These fact : ld l'lo laxity of view respecting -
Ing Sunday sro lt , however , the only ex-
planatono of time mnanne . of obsorvJn lime day
In Ilerlin. The libe.is hiv long h.ati : control
ot time city gv.-mmniemmt : an ! ! In Germany to
bo liberal In i'oittics usually means . to I' " very
liberal In reiIIon. Many Jewl are 1nfluntLal :
headers of 'he I'uty. ' Little r1uH he I x-
pccted from tb2e liberals for time mu1II 1-
ton of churc'les I : tar tte betut cbservlce
of Sunday. rot less significant Is the tact
that an extreme rationalIsm and agnostcism
havE entered time ranks ct culture , while the
soclalsUc masses are arf'ct.d by materlnUslc
atheism. What an Influence these socialists
exert may be Inferred from the fact that
a few year ago they cast eve ' 20,000 more
votes In the city than all the other parties .
and that five ( f the six relJrOlontnllves In
Parlament from Ueiin are Bocl.,1 democl'at8.
DurIng time last two d'lcae s an Improvement
has taken place ! n tim roilgoms ! ' conJ1ton : ,
and this has told on the attendance nt divine
service ; but for muHlu'lel ' In cultured circles
and among the mnias Sun'lay I slmpy ! a
day of rest anJ reerta'.laa and amnusemmibnt.
for social gatherings anti family en fhln-
nlents . ofen with ( hlcln ( ant , gale . In
famies regarded 1 exceptinaly religious
It Is customary for the lall ! to sew or knit ,
or engage In oth. r Icnds of lght worlc. The
servants usually have every other Sunday
afternoon for visiting , and great numbers of
them are seen In the streets In public gardens
and at bals.SUNDAY
SUNDAY IN ITAI.Y.
One scarcely ever hears the first day ot the
week called by Its calendar name In Italy.
It Is not generally spoken ot al Domenlca ,
but aa the I'"osta. Time observance ot the day
In Italian cities I precisely such as Is Im-
plied In the name by which It Is commonly
known. I Is a festa , and what a teata means
to the rich to the middle class , and to the
poor ot a Latin race , Sunday means to the
rich , the poor , and the mIddle class In Italy.
To all It means a day ot enjoyment a day of
rest from the usual occupations ot the week ,
a day a tar ao possible without care , a day
ot general frIendly feeling and good-fallow-
shIp a day for healing up ot old sores and
! Ierhsps openIng of new ones.
The Italians arc all Catholics . They would
think you Insane were you to question it.
I you do hazard the Inquiry , they will answer
that they were barn Catholics , and Catholics
they expect to remnln. Now , time first and
last absolute religious duty of e\ery CatholIc
on Sunday Is to hen mass. That done there
\ nothing ell that the church absolutely
requires of her children on Sunday more than
she does on other days . except that they ab.
stain from all unnecessary servile work The
first religious duty therefore ot all Italians
on Sunday would bo to hear muass . In the
cites of Italy some ot the people hear mass
end some don't.
The other requIrement for the sanctification
ot the day 19 pretty faIrly fulfilled. Servile
work is I , for the most part . suspendel. Most
of the shops are closed. Dutcher shops ,
bakerIes , groceries and the lIke are open for
a pat or all of the mornIng ; but they are
closed In the afternoon . Wine bops , cafes
and restaurants are open all day and evening ,
and ot course . do their best busIness on this
dlY.
dlY.The
The enjoyment ot the day begins In the
afternoon. All Italian cities have withIn or
near them parks or , 'la or reortl of some
kInd tar public amuemont. To these places
the peot1. flock fA cowc Who families
g together and there onJo ) the pleaurel ot
open air anti beautiful I natural lurroundlngs.
The older people meet and gossIp : the younKer
people stroll and talk theIr small , sweet talk ;
the chIldren romp and lay unU the linking
sun warns them all ot nlght'l approach , and
they then wend theIr way homeward. Those
who have horses and c1rlc and those who
can afford to hire them make timeso Sunday
afternoon promenades with such adlitonal
ease aOl luxury. Those whose circumstances
require stricter economy eeem to get equal
enjoyment from watChing and admiring the
display of their more favored brethren. To
imi l reRe the pleasure of these outings , bands
nr" stationed at diFferent points In the parks
Dr In the public squares , and programs of cx-
celent music are rendered with consummate
skill. WIthin an hour after sunset all are In
their respectIve homes and time afternoon's
pleasure
Is over
Snch ID the afternoon for the quiet . order
loving element. But tastes differ . and another
portion ot the community prefer to go out
on the roads leading to time country anl pas
their time In taverns anti roadside Inna. I
Countless places ot thl kind exIst , and
croo'dD ot people frequent them on Sunday
afternoons. They go In little groups anti
gather around tables set In the open air , If
thf season permits , or In pleasant rooms , I
cold or Inclcment without ; and there they
drink their wine and cat luncheons , either
brought with them or ordered from the host
The men play cuds or outdoor games , the
stake being the wIne for the part } . . I Is In
these partIes that trouble arLes . They play
game after game , and at the end of each game
time loser II3ses the wino around Dy and by
It becomes dIfficult for them to follow exactly
the course of their games and . to feel Mt-
fled at the end ot them just who 1& time loser.
Then dIsputes arise . quarrels ensue , and not
Infrequenty iemo serious cutting Is done ; or ,
becoming exhiarated by time wine they drink ,
they grow Impatient of the slow progress of
ordinary games , and tko to methods of
gambling whIch give quicker results , but
which infallIbly end In misunderstandings.
Evening comes on , and , though these people
remain at their pleasure longer than the more
peaceable ones , they , too . return at a convenIent -
tent hour to the city.
Still another kind of popular amusement
I provided for thee whoso tastes do not run
In either of the directions I have descrIbed.
For children anti for grown folk with tastes
of children , the showman pitches his tent In
the squares and vacant places on the out-
skirts ot the city. There Punch anti July
shows amuse the crowd ; freaks arc ex-
hlblted : gymnasts and Acrobats display their
teats : thrIlling tragedies and sllo splitting
comedies are acted ; singers whose voIces
have become too worn even for concert halls
find still some "so poor to do them reverence -
ence ; " a stray wild beast sometmes lends
an attraction to time motley show within the
mysterious canvas ; Jugglers and magicians
make time crowd wonder open-mouthed :
merr-go-rounds help time poor PeoPle to
Imaglno almost anything their humor fits
them for , and all Is enlivened by time squeak-
Ing tones of dilapidated hand organs
I one goes 01 Sunday afternoon Into
time very poor parts of Italian cites , still
other sights are to bo seen , still other ways
of passing the Idle day. Here the shops are
not closed Wares ot all kinds are exposed
for s leal kind that the poor require , and
ot a quality stilted to the condition of time buy-
ers. Household goods , clothing , food , every-
timing Is bought and sold with greater com-
motIon than on any other day at the week
Time populatou turns all out-of-
doors ; tIme streets are fie ; huclc-
sters congregate and their cries ,
mingling wIth the loud talking ot the
people hell to make a bedlam. Push carts ,
laden with wretched candles all fruits , with
nuts , anti In the seasomm with vIllainous Ice-
cream , wind their way with difficulty through
the crowds. Dark , dismal , dirty wIne
shops are there In great numbers and are
kept perpetually filled with customers attracted -
tracted by the placards hung out before the
entrances tolling ot wluo to be had within
for 6 , G , 7 or 8 cents the hal litre. The
pleasure and rest enjoyed by these poor
people are not of an elevate kind , to be i i
sure , but It Is the best they can provIde for
themsclves. They cannot go to the parks
and vIllas , for they c.nnot clothe themselves
In a presentable manner , anti "human re-
spect" Is perhaps strongest In thoery
poor. They cannot go out on time country
roads to the taverns and wayside Inns be-
cause the distance Is too great anti they
cannot afford to rIde. They stay In their
own district and do the best they can.
Such a crowd , ot course cannot puoh and
rub agaInst the other for hours without
treading on ana another's toes , literally and
metaphoricaly , and good spIrIts grow tired
In time courss ot a long afternoon. Time re-
ammlt , hot words , quarrels . blows . anti sometimes -
times imomicldes. With the coring ot night
oven these people-at least so tar as women
and children are concerneti-retire to theIr
wretched Indoor quarters.
.
1.\IOI . % NI'r ISiH'STU\
Thirty-nino unions ot the A. H. U. have
been organized In time eastern states. Forty
unIons are tt be started In Tenuesse and
Georgia.
Time financial statement of time Interna-
tonal Typographical union shows a
balance October 10. $43.028.9 : ro-
cclpts to October 25 , f4GIO.G9 ; total , $47 , -
639.41 ; expenditures , 41,674.94 ; balance In
treasury , $45,964.4.
Typefounders union No. 3 ot Chicago will
soon adopt a label "hlch will form a part of
a matrIx and bo cast .n each type cast by
the members of time unIon. Chicago has time
only typefouuders' union In the country I
The great mountain ot coke accumulated '
at Dessemer , Pa , by the CarnegIe Steel
company receuty contained 50OOO tons , and
Is stIll growIng.
Nearly 1.0 men are at work In the
noach shipbuiding plant at Chester , Pa. ,
where seven steel vessels are under construction -
struction .
A shirt manufacturing firm at Elizabeth ,
N. J. , as an experimnent will semi-annually
divIde its net profits with Its employes. i
the plan makes the employt attentive and
Increases the standard of thoce employed I
wIll bo adopted permanently.
Ground has been broken In South Deth-
leimem I'a. , tar a new silk mi which Is to ,
be buIlt by Lipps & Sutton. The new mi
wi cost $50,000 , and I Is expected will
employ GOO hands.
The AmerIcan Sewing Machine company , '
Washln"ton avenue , Pimiladoipimla . Is putting ,
additional machlner- Into their bicycle department - '
partment with the expectation .t being able
to turn out 10.00 bIcycles durIng the season
ot 1896.
Sharpless & Watts , 1522 Chestnut street ,
Ph1adelphla. are entering upon the manu-
facturo ot bIcycles and expect to have an
output during the season ot about 3,000
wlmeeis.
Sioux City has secured practically next to
time largest glucose factory In the world. C.
Anln Peter ot New York , repr03entng
easter capitalists . signed an agreement to
put In a ,000.000 plant If $75,000 bonus
was raised. Two-thIrds of time amount was
raised at a meetIng ot business men
Vast deposits ot Iron have been found at
Aitken , Minn. . by parties ot practical Iron
men who have bten prospectIng there for
some tme , hut nothing will be domme toward
developing the property ! until sprIng.
The Morton Tin Plate company , Cam. I
bridge , 0. . report a steady Increase In the I
demand tar higher grades of plates and are :
confining theIr operatons to , the manufacture - !
ture ot these goads , so tar as their tinning '
department Is concerned.
The yellow pine of southern Georgia can be :
utilized In more ways than any other tree
In time world. Its products are tar , pitch ,
rosin and turpentine , and the body ot the
tree can be used for fuel or manufacturud
Into lumber , shingles , cross-ties and fence
rails .
A large factory Is soon to be erected by
the Winchester Repeating Arms comp . y.
New Haven , Conn. , which wIll bo 300x60
feet and three stories. I Is to be built at
brIck on the slow burning plan , and bo Ie.
voted to the manufacture of paper shot shells.
In the roar a brick Itructure will be buIlt .
lGx50 tulel feet , to bo used p tar dryIng the pap1 '
Oil 1'0111.
Old people who require medicIne to regulate
the bowels and kidneys will find the true
remedy In Electric flitters. This medIcine
does not stmulato and contains no whiskey
nor other Intoxicant . but acts as a tonic and
aiterative. I acts mildly on the stomach
and bowels , adding strength and gIving tons
to the organs thereby aIdIng nature In the
performance ot the functions . Electric fill.
tens Is an excellent appetIzer and aids dlges-
tion . Old pcople find It just exactly what
they need. Price fifty cents per bottle at .
Kuhn o CO.'I drug storo.
COiN IJIII .tI.I'l'I . LS .
A Massachusetts new s4nman deserted her
husband because bt ma ' } her work In his
grocery store . She In sfll the business
antI ho refused to shnr , . profits wIth her ,
so she quIt him In dll/ / '
One ot time nurrylnl ' t'ces at Jefferson-
villa , Inll , had the hOl1or of tying the knot
for the 1It one of twnty.one chIldren of
one famIly , the other da } ' . All came from
Kentucky , and were nlVrieml within three
years. 1' pt
Iowa Is to get In ormt aim. . international mar-
riage , and there Ic a title among time assets.
Miss Alee Dlknap , daughter ot the late
General W. V. ' . lelkRap , Is to wed Count
Szeckenyl ot the AustrIan legation at Wash-
Ington.
The duk' of larlhoro lh Is not limo only
man to gain a rich brIde. George D. Tit.
comb , time proprietor ofmatreet lunch cart , In
Providence , H. I. , la'to marry next week
daughter. Miss Grace M. Ilawes a millionaire's
Miss Marie Delphine Meredith nead , clnugh.
ter ot the former .Axmmel lean coimt'ul general at
larl amid minister to Greece , way mnrrled
on November 4 to Count Max , do Fords , of
nn ancient Prench noble family . The father
ot the bride , General Meredith Head , Is A
favorite among Parisians.
An Indiana clergyman has undertaken the
job of finding nn helr.ess for a tItled rench-
man. The brIde must be a desirable pt'ron
with at least $2.000,000 subject to check.
I the deal can be consummatell , the prince
Is willing to sacrifice $10,000 ot the brIde's
money In rewarding time agent.
There h. a girl lIvIng In Flora , 2nd. , whenever
never misses a passenger train during the
daytIme , and watch Intently for some one
to get off . lien story Is a ad ono. About
four years ago her loyer , a raIlroad man ,
waR killed . She went Insane from the shock
and from that day to this she has met every
train In the hope of seeing her laver return
to her and firmly believes that he will do
so. She may be seen standing on the platform -
form awaiting the arrival ot the train In
all kinds of weather.
Harvey Dareal and Mrs. Amanda Cravens
were married at Galatn , Mo. , In 1848. Two
years later he went wIth a party ot gold-
seeker to CalifornIa. lie quit wrItIng , and ,
supposing he Intended never to return , his
wiI got a divorce. Afterward she married
a man named McDonald , who died a few
years ago. ShE anl . her first husband , Dar-
neal , met about a year ago. There was a
t'econmi courtshIp , resultIng In their marrIage
again November 6 nt a hotel In Princeton ,
Mo. , after being separated forty-five years
They arc visiting relatives at Itichmnond.
' . \ { G CIICg !
Madeline S. nrlhes In Hochesler Union.
You love mo ? Aim I know ,
Al men love , no bettor , dear
'Vorshlll ? Yes , / month or so.
Tenderness ? lerhaps n year .
After that , the quiet sense
Of possession : careless care ,
And time calm Indifference
That nil married lovers wear.
Blame ) .flJ . dearest ! Not at all.
. . made ' ' stand.
As fate you , so you
As fate ml\le YU , 50 you fail
Far below love'f high demand.
Yet strange Is love's deep lawl
I can look you throllh and through ,
Tracing lalnIY naturo's law
In the heart she gave to you .
Hnowlng : nil my heart must stake ,
All the danger all the tear
Anti yet glntl , even so , to make
ThIs ! my losing bargutn . , dean
A. G. Dartey ot 1bgIC'l. , writes : "I
feel It a duty of maine to Inform you and the
plblc : that DoWltt's Wltch'lazel ' Salve cured
me of a very bad case of eczema. I also
cured my boy of a runlr'Iore ! on his Ie : i
.
MILLIONS AT 'fiIHI COMMAND : : . . . I
In thee prosaIc days when a Chicago rail-
way king desires to give his brother millionaires -
aires a "jolt" he saunters out and purchases
a $10,00 fur-lined overcoat. That Is what
General Joseph T. Terrence did time other
day. "General" Torrcncetho title Is bestowed -
stowed by courtes-I add oil his money out
of railroads. He ) hts teen building and
operating railroads since he was of age. He
operatng ralroals
Is rcputed to bl wortl $2000O00. Not long
since he completed A' .c."tory mansion II
Chicago , whIch , because of the ma"nlfcence
ot Its exterior und Interl ' ( Iecoratiomms . Is regarded -
Is
gardc as one of the wonders of that city.
John D. Rockefeller Is probably the wealh-
lest man on the western hemIsphere. He
Is reputed to be warth $200,000,000. I has
all been made since he became 21 years
old . He Is time oIl king of time warM. Ils
fad , I It can so be termed [ , Is plmilantimropy.
He made time University of Chlca"o what It Is
by his wealth. He lIves modcst } teaches a
Sunday school class-so do his wlo and
daughlors-aml has imo hobby outsldo the desire -
sire to tb the greatest possible nmount of
10
good wIth the money whIch ho has ac-
cumulated.
Cecil J. Rhodes . the dIamond king at South
Africa , does not mow ] just how much he Is
worth A recent wrier says that ale Is a
choice compound ot Nero , AtUa and Genghls
Khan , with some at the amiable traits of
Dick Turpin and Doss Tweed. Mr. nhod Is
an Oxford man , puny In his early years and
with the prospect of an early death before
him. Ho went to South AfrIca to recuperate ,
liked I. took to conservative politics and
speculation and there ho sta's. lie Is described -
scribed as an Englshman , 42 years of age ,
bIg and strong In ph'slluO and In brain
masterful , a man ot great Ideas , a man who
justifies hIs Ideals by his deeds ; he learned
the business of diamond mining ; ho becamE
Interested In a mining compammy . But there
were many mines and many companies Mr.
Hhods determIned to consolidate the mining
Interests , to control thcm all. He nccom-
pushed his purpose. I was not easIly nor
quickly. Vast capital was raqmmlre.1-$150-
000,000 at the mInimum. The great amal-
gamaton was one of the most Interestng In
the financial world Ho Is worth today
perhaps $35,000,000 And It has ben made
within twenty years.
There Is anothlr Englshman whose wealth
Is simply stupendous when viewed even In
the lght of nineteenth century fortunes. Ills
name Is "Darney" Ilarnato. To his friends
he Is plaIn "Darney. " Who Is he ? Few cal
tel with accuraey Ho Is outspoken and
frank , nnd his wealh , estimated at all sorts
ot figures , but probably $100,000.000. has not
turned his head . Darnato has ben barber
circus performer , circus manager theatrIcal
promoter , gold imminer gold owner and gold
mine promoter.
The parallel to Darnato at the mIllionaIres
who have been mad6 In a score of years on
who have been made In a se oreot years .n
this side at the Atlantic Is Anthony NIcholas
Brady time gus king ot New York. He be-
gao life as cashier In an Albany barber simop
'fhen he took charge of the b1 at time Dela-
van house ; then he ran sIx tea stores , and
finally he dried into the granite pavement
bUl'lnesD. ' Pretty soon , Iln the language ot
the street , h6 had "molley to burn , " Then
he took to cheap lumluatng : gas and out
ot thIs has made a fortupo. Ho lias no tads.
He Is a home man with. simple tastes. lie
la quiet and unobtrusive but as quick as
lghtning at n deal. hero Is the story of
one of his latest transaotons : The Provi-
dence H. I. , street raIlways were In the
market and Ihey werd brought , almost as a
matter of course , toc ! r : Brady who had
money for such invostments. That was FrI-
day. Friday night Mr. ldy took time train
to ProvIdence and spent Saturday there
making hIs examlnatol " For time examina-
ton of such a oysten .dme experts would
have taken two weeks , but on Monday morn-
Immg bright and earlyf ! I. Brady was back
In Wal street advising his assocIates to g <
Into time deal '
At no'on1 Monday a contract
for $13.000,000 was conclude anti the deal
so haaUy made has resulted In one of the
most profitable Investments In the world
Mr Brady'a wealth Is estmated at $23 , .
OOO , < O.
- p
I TruuhlNwIh ThI. ihcumnUNm nell
ArNAI'OLIS , Md. , April 16 , lSH.-I ! have
used Chamberlain's Pain Dalm for rheuma-
tsm and tound I to be all that Is claimed
for it. I belIeve It to be the best preparation
for rheumatlm % and deep seatEd muscular
pains on the market and cheerfuly recommend -
mend I to the public . JOhN O. DnOOCS ,
dealer In boots , shoes . etc. . No 18 Main St.
ALSO nEAD TIllS.
MECIANICSVILLE. St. Miry County Md.
-I laId a bptle of Chamberlain's Pain lalm
to a man who had ben suffering with rlmeu-
mltlm tar several years. I made rheU-j
well man. A. J. ll'OILL
A GREAT [ INSURANCECOMP I S U [ ANY
REPORT OF THE NORTHWESTERN MUTUAL LIFE.
Solidity of Itlvestmettts attd ECOtl011Y of
Manage11ettt.
-
Assets of $73.349,707 and Surplus of $13,845,436--Re ! of a
. .
Two Months' Investigation of the Con1pany's Business and Methods -
ods by Representatives of the Insurance Departments of Five
States Embodied in a Report Which Confpn1s the Confidence the
Publc Has Always Had in This Milwaukee Institution.
The examlnlon ot the business of the
Northwestern Mutual Lie Insurance com-
pauy Ly a commission representIng the WID-
conslu departments of five state , which has
been In progress for two months has been
completed , The examination has been very
thorough ant exhaustIve . A large force ot
clerks has been emplo'NI In xamlulng time
company'e In\stmlntD. liabilities ami mactim-
ods ot busIness and the result Is a stib-
stantnl testmonial to the solidity of Its
condition , the excellent quality of its assets
anti its cconomy of management. The coin-
pany'o surplus Is 13.645,43G.64 , whlo Its
assets has grown to the enormous amount
ot i3,349,707.84. . Time relJOrt of the commission -
mission Is as follows : '
falows
lm.WAUKEI . , Oct. lG , 1895.-lon. Ii. I.
Palmer , Presllent rorthwester Mutual
Lie Insurance compauy-Dear Sir : The
commlslon relJrescntng the Insurance de.
partments of Wlscollln , Massachusetts .
Iluols , South Dakota aud Nebraska have
completet the examination of your com-
pan ) ' anti submit to the
ant you folowing re-
porL giving time results of such exumlna-
tiomm. The last comimpieto cxamlnaton of the
Northwester Mutual Life Insurance com-
pan } ' was made In 187 , participated In by
the departments of lasschubels , Nol York ,
Illinois , Maryland and \'ieeonsimi
The present examination began early In
July last by the Insurarco ± departments
ot South Dakota and Nebraska , to which
were subsequently added by invitation of
the company , Massachusetts , Iinois and ,
\Visconsimi
I
Time Board of ExamIners organized by :
the selection of Commlslouer William A.
rlcke aD chairman and placed time gen-
ernl supervision of the ( Ietals of time ex- !
amlnaton In charge ot Wm. D. Wimiting .
In this work leh departments were re\-
reseuted as follows :
South Dakota and Nebraska , represented
respectively by C. Ii. Anderson and Frank
H. WIlson , examIners '
Wison , employing four
clerks
las : chuseUs , represented by Conimis-
sloneI George S. Merrill ant Wmmm . D.
Whitng with a force ot seven clerks
IlnoJs , represented by SuperIntendent
D. K. Durfee , J. J. Iinlnkenlmoff , actuary , and
one clerk.
WIsconsin , by Commissioner Wiiam A.
Frlcko and Henry S Val , actuary with
a force ot five clerks together with time
lion. W' If. lylrca , attorney wih .
Constituting In all a force ot t\enty-slx
persons besides the appraisers ot real
estate In different localte ' .
December 3i. 1894 , was adopted tar makIng -
Ing the financIal statement so cs to car-
respond wIth time date ot the company's
last swern statement 10 the several
severl depart-
ments , but time examination '
examinaton wa broumgimt
down to August 1 , 1895 , to ascertain wimetimer
any material changes other than those in-
cident to the normal course of business
had occumrred
The examinaton his disclosed the following -
lowing to bo time cOlpany's.
-
I , , limit imcIm I CII.1 I Ion . lec. al. I 1sn I. .
Cost Value of flc'ni Ittate Owncd . AfHJTS.
F.tate -
Home
Acqllr olke , buildIng for'elo ; tin . . , : . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ " : 2 ( ISO.07
l xcc.s of alprlisemmmens . . . : : . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . lam ' 32S. 4 5
: otr coat . . . . . . . . . . . . . . . . . . . . . . . . . . . G' 5 O.8
Lnmm " Total on boils . . . ! . nnI . . ! . . mnortgageq . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ } IO O .M
I"nn : on Co. rorla " . . ! on renl estate . . : : : . . . . . . . . . . . . . . . . . . . . . . . . . . . sic . cam &J &
! Iiolcl" nsslgncli ns c b ' . ' , . . . . . , s. _ .
rerlum not s on ' . ' < lntlrl-secucl I ) reseu'e . . . . . . . . .
I'ar'nlue or bonds owned . II . rOI'ce-s"curell . by n"er\ . . . . . . . . . . . . . . . . . . . . . . . 467GV.t _
Market value o\'er Itur . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ .170.nc. ( )
.
Cash In Oflic , ' . . . : . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33n 101 ( ) 7,5tO.06 .OO
onle. . . . . .
Cash In banks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . mel ! 10.rS
Aent limmeret deitit on Inlnnc . s . : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : 2iiQlis : : : . ahio511 : , . i : : . : : . . . . . a. " . 31301.G2 5.nl.1 1.I.Sn ! 1 .30
Intenist I : on : uOr\n \ cue. I' duo . . . . . . . . . . . . . . . . . . : 2:3.0S.O ) , nccruec . . . . . .1' g ! ' C1 l' n , S3 ' g
Intcrest on moltcy Jn loins . . . . . . . . . . . . . . . . . 3 ' to ) 00 ' accnw,1 , . . . . . " ' . 1 - . , . 0' ) 1 . . . ' . . , . 0)
Hent on real estate lonns. . . . . . . . . . . . . . . . . . . . . 137:00' : I aCl'rucll I . . . . . . I r.2r.c 1. 3t. .C
Gross , eslatc. . . . . . . . . . . . . . ' 1 . . , " , J. mtccrtmci , . . . . . 8.S2..r. 10.0.0.87
Iremiunm : : nccre,1
Gross prmlul on oulstnnllni ( I.nlcle ; i t' ; : ' ; I : : : : 29 : jl : : reflWtmlM , . . . . . . . 421),11q.O I ) I ]
decrcd prcm. on Policies 'n ' rOI'ce Ut 'enr. 121.81.00. lencwlIs . . . . : . uCG ) .O
. j 1.3,0.17.00
Deduct for cost 4 0)
on Collection 5 per cent. . . . . . . . O 2 O G ; per cent. ' 9 .01.O
Realizable on uncollected and deferred l'remlum.208. $ ,2\8.576.00 1.4 G.801.0
TOTAL . \SSgTS. DEC. 31 , 1891. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $73.31307.84
1d1mrT . rTIam4.
ltesrve ( actuaries , nl.ll
, 4 per cent ) on policies nnll nnnultcs In force December 31 , liii 1 , n.
compute ' hy 7tmassmcIusmts , clepartmcnt on correteti Deccmler . . . . . . . . . . . . . . ' ' 1.sl2.1.2.fl0
Hesln'e on certnln rrctonll pnil up In.urancc. . . . . . . . . . . . . . . . . . . . . . . . . . . . 58.812132.00 ] . .
He"er\ for paid up Insumnce clahnahlc. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12i.38 . )
1te'em've against excess Tontne guarantees. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22. .O
He1en'c against polcies ( olelc-d for Intempersnce . . . . . . . . . . . . . . . . . . . . . a.oI7.ct
Heser\c against prmiums below net rle' . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3.01.c .
Denth ) cnlms In process or adJu.tment. . . . . . . . . . . . . . . . . . . . . . . . . . $201,32.46
Denth claims contested or In litigation. . . . . . . . . . . . . . : . . . . . . . . . . . . . . 41.IC2.39
Denths occurring In 1891. proofs received In 1811 . less reserve . . . . . . . . . . . . IS7,7,2.27 I
I'ndowmcnts : ' , cue mini awnltn ! clnlmants. . . 18 . : . . . . . . . . . . . . . . . . . . . . . 31.42.00 4G7CS 12
] 1'Ilenos due on oltstandln anti dererrell premnimmmns . . . . . . . . . . . . . . . . 13'.Ita.lO (
DI\lllcnds ! cue In cash nno \ull'113 , nut lc.I-lortel . . . . . . . . . . . . . . . 20,061.41 iaqiso.rt
Premiums paid In ad\'ancn anti accrue. ! comml..lons . . . . . . . . . . . . . . . . . . . O.OIU . . . 12.M.O )
Unpaid bills , accounts . etc. , presented after . Jununl ' I.t , 1890. . . . . . . . . . . . . . . . . . . 12.00.0 . .
Agent credlC balances etc. . . . . . . . . . . . . . . . . . . . . . . . . .
TOTAr ' r.IAnILm'r1ms , DIC , 31 , . . ) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . , . . )
SUItI'LUS . . . . . . . . . . . . . . . . . . . . . . .13,545,1:6.51
.
73.049,7O7.s4
of timis surplus 13.563,711.0 : is accumulated Tontine earnings , ammd general
surplus 4,061,72.ma
l3,5l5,406.54
. In this Item tmo ! Commission have cltarge'I tite Company whim time extreme Imosslijie liability S :
It Is orml fair to state titat ( roltm time
experience of time Cotmtpummy In tie adjustment of clatrmms Un-
tier these Itoileles , time actual iIa1ttlIm' Vittummdoubtet0ly be largely reduced.
ASSETS ,
Time tItles of real estate owrmed were Investigated -
vestigated by Attorney General Mylrea , antI
were found to 'est time ownersimlp of each
piece In time company \vlthmout flaw or in.
cumbrances. Eacim parcel was valued by op.
praIsers selectoti by tIme cimairnman , witim time
final result of Increasing time total value by
$56,590.S8 over time amount claimed by time
con'pany In its Decemmmber 3i , 1894 , state-
macnt.
Time real catato on Imanmi acquired by foreclosure -
closure Is remarkably small In proportIon to
the large suimi Invested in mortgages and Is
earning a faIr net rent , as is also time home
Office building , when ahiowatmco is mmmade for
the portion occupied by time company , This
amount tom' own occupancy does not cuter
Into the company's annual statement for rents
received arid paid.
The custom of the company imas bon ( witim
few exceptions ) to dispose of real estate acquired -
quired by foreclosure as rapidly as possible
and nmerge time not loss bite the Imiterest
earnings of time year In wimicim It Is sold. An
analysis of the business for twenty years
simows timat only a small percentage of loans
mantle are foreclosed and aequiret1 as real
estate. The mortgage loans , conmprislng
rmeanly 80 par cent of total assets , have been
carefully placed and ylelmi a gross rate of
5 6-10 per cent Interest , payahle semiannually -
annually , About one-fourtim of time immontgages
represent farm loans , The loans are dls-
tributci In IllInois , Wisconsin , Minnesota ,
Colorado , Nebraska , 01mb , Iowa , Tennessee ,
Ir.diana , Kansas , Michigan. Missouri , Kentucky -
tucky anti a few in South Dakota , /tlabammma ,
Texas and Georgia , About one-imnif of time
wimole is In Illinois anti Wlscommsln. Time
Interest in default is less timan one-half of
1 per cent , or about omie mommtim's interest.
Loans are Imlaceti tlmrommgim salaried local
agents , wltimotmt any conmmmmim..mlon fronu the hon.
rower. Time titles are examined by time coimm.
pany's counsel , with a corps of assistants , and
no charge is made except actual disburse-
inents and fee at local ccunsel ,
Attorney General Myirea has examined Into
time system and reports that It Is commmprehen-
dye and complete , anti timat extraordInary
care ha exercIsed In imrotoctlng time interests of
time'conmpany In time granting of loans. Time t -
torney general imas also examined the abstracts
of sucim cases as vere Iimvolved , tinder foreclos.
ure , In default of interest , or loans made to
trustees , empioyes or connections of the
conmpany , and flutis the lmap2rs complete azmd
itheut flaws ,
The expense entailed ty this cystem Is
comparatively email on each loan placed , and
together with any loss through purchase by
the company on foreclovuro and subsequentm
sales , gives a slight loss to lme detiticted from
tIme gross 5 6-10 icr ePut interest earned , as
the extra coet of imatmduing , This loaves a
immargiim of mmeariy $1,000,000 wlmlcim wotmid imave
to be lmmmpalrcd before any dedtmctlomm could
justly ho mmmntle fromum thIs Item ,
As jill pa'mmmemmts of immtereat or principal
are immatle direct to time imoimme office and not
ilmrouigim balm agents , it was deetned unumeces-
sony to comnmmmtmnicato with eacim borrower as
to time ammmcumnt of imi ouitstatmtiimmg loan ; the
sanmo being sufilclentiy cimeckod by time papers
anti receipts of Interest ,
Loans on policies and renmIumiim notes were
checked by time notes timemmmseives amid whtim
time Wisconsin valuation registers , to ascer-
talmm If time volicles umpomm wimich timoy mire a
lien verc in force ammd able to sumstaln the
loans. Timese itemnm , vcre toumrmd to agree with
time company's books end statements ,
Time itemn of lrenmlmlnms in course of coilec-
tlon and deferred were treated lii like mmmaml-
imer , resultIng in a slight dIfference only frommm
time commipany's tigimres.
The bonds o'ned were counted by the
commuissioqers , amid fommlmti to be on imanti
wltim the exception of those tiepositod with
time insurance departments ofVlsconeln ,
VirgInia anti Calmatla , for wimich satIsfactory
certificates were fmmrnislmed. Time preinluma
ftmr mmmarkct value over par allowed is $51-
451.83 less thmall thio coimmpany's atatemnemmt.
Cash In office ammd In banks , as showmm by
time books was found to be correct.
Time compammy's statemmment deducted $ iS-
167.51 , immostly agent's credit balances , fronm
caslm In office , wimicit has been corrected
above by carryImmg time same immto liabIlitIes.
Ono-imaif of time agent's debit balances were
foumimd to 1)3 good by paymmment since December
31 , and otimerwise , amal 1mM been allowcmi.
'rime totai assets found on oxammmitmation do
n'e mmlatoriail } ' differ from time aimmoummmt
clalnmed by the company at tIme same date ,
LIABILITIES.
Time valuation registers of time Massacimu-
imetta departmmmeimt , being commmpumteml on a 4 ir
cent basis , were used for ascertaimming time
imccessary reserves to be held eu policies and
annuities. Timeso were first cimecketl by conm-
panison with time coimmpaimy's registers and discrepancies -
crepancies Inquired lmmto and corrected. A
further cimeck was made by conmpanison of
policies reported as loaned umpon or having
premimimummus lIt course of colleetiomo or deferred ,
Inquiry was likewise nmade Into timostjjoil-
des marked oft time registers of time Wimmcon.
sIn departmnemmt by lapse , snrremmder , deatim or
mmhtunity , to ascmrtaill If justifiably cancelled.
The final valuation Is in excess of that
found by the company by time simm of $144-
361. It was discovered that timertm imat.i been
catmcehloti certain ten paylmment life policies
wimon ) owners Imad ceaseti payIng premmiimmrns
and Interest on notes. Those policies con-
taimm clauses giving paitl-mmp Insurance on
lapse for as man ) ' tentim parts of original in-
surammee mis timere imad been "cornimiete" an-
mmual premmmiums paid , bmmt time notes declare
time polIcy forfeited In case Interest bouid
not be paid timereon ,
We are pleased to note tlme prompt action
of your executive coirmmmmlttee In passing a
resolution reimmstatlng time Insurance on thtm
class of policies as soon as your attentIon
vas called to timis matter.
It was likewise foummd necessary to increase
the special reserve on certain otimer policies
guaranteeing surrender vaitmes In excess of
ordinary reserves , from time sunm of $25,000
charged by time conmpany , to $128,388 , and to
cimargo for guarantees In excess of 4 per cent
actuary reserve on certain Tormtiimo polIcies ,
the sum of $22,312.
A deduction was mamlo of $3,514.61 from
time amount wltim wimlcim time company cimarged
itself for deatim clalrmms outstanding , on account -
count of error and because after careful in-
vesilgatloim IL Imecamo apparent timat mammy of
tlmo cases contested were frauduient and constituted -
stituted no real lIability. Any company iong
In existence Is bound to accummmmmhate a consid-
enable ammiount of such cases. Some of timeso
are outlawed , others nmerely nominal and
practIcally abandoned or time parties wIllIng -
Ing to commmpronmiso and some imad been
settieti since Decenmber 31 , for mmmucim lena
timan timeir face. It wouid be unfair to compel
a company to carry such cases forever as a'
lIability at their face or sumbimmit to extortion
to get rid of tlmenm.
It was not discovered tlmat time company hmati
unduly or wIthout sufficient cause contested
any case-Irm fact , the amouimt in lItigation
upon death cialimma , compared witim time amount
paid , Is surimrlslmmgly simmall and time company
aingulanly successful in defending such suits ,
It was found necessary , hmowover , to add
$187,762.27 to time claImima outstandhmmg iii Pro-
COBS of adjustment , for deaths occurring In
1894 on wimlcim proofs wore not made ummtli
acme time 1mm 1805. Many of those cases
were unknown to the cormipammy on Iecember
31 , as proof blanks mire fimrnlnimetl by the
agents , anti not fronm time imormme 0111cc , but It
ha necessary to take thmenm Into coneifieratlomm
In order to ascertain time true conditIon of the
cormmpany at that date. as the parties Insured
were actually dead , anti ommly a fornmality 1mm.
tervened before payment becalne mlmme ,
Time surplus of limo company Is dIvIded into
Totmtine and gemmeral surplus In time usual way
ports , The practice of thmo company In giving
enmployetl by departments In timeir annual re-
notice every year to Its Tontlne policy
imolders , of theIr annual accumulations , is
hIghly to be commenmleti ,
Time Income and dIsbursements as rendered
for 1891 in Its sworn statement was found to
be substantially correct ,
The interest receipts are large , hieing 5 1-10
per cent of gross mean assets , The ratio of
leath ciaimmm Is only about 80 per cent of
timat expectt'.i by time tables lumen which iti
Ironiltmimms antI reserve are calculated ,
Time ratio of expeimsea is smmmall , amid showS
ecommommm I cal mlm.ummagenmeimt ,
Aim Investlgatioim of time btmslness done in
to Aumgulst 1. dIscloses un umimimeumal event
apart fromim time regular course , 'I'Imo corn.
mmmission , lmurcycr , desires to give expressIon
to timeir opinion , applicable alike to all commu-
panics , that time Interest of the polIcy hollers
ditgts timat no immoro immoney be carrIed as
"cmmsim on immund or Iii banks" thmaim Is neces-
szmry to macct time current needs of time commi.
iammy ) , anti that all fummds over anti above
timese lmecessItles be prommmptly Investoti.
Time ammmommmmt of Immisimmess imas Immcreased , wIth
It com'mespommtilmmg Immcre'ase 1mm incoimme , disburse.
imments , assets , iiabiiitie ammd stmrpimis ,
A larger reintive lmroportlomm of Immvestmmments
in city , coutmty , state antI Ummitemi States bonds
has bc'etm mmmmutl , Time coimlimatmy imolds no
stocks , ammd does not limrest lii raliroad bolmuis.
Time expolmso cimargeablo to eacim Item Is
weil witlmlim the limit provided for , except In
time single case of mmcmv business , whereon the
'
first year's conmnmlssloims imlums time atidltlonal
expemmacs Immelmiemmt to time first year after
, ci-
lots lug for ligimt immortality , does imot heave
enommgiu of time iremmmlummm
to cover the ileCes-
sar3' . reserve at time eimd of the year ,
Tiils conmmmmemmt Is not to ho accepted as
reflcctioim
to upon time commhlmammy , but is mimamie
enipimasizo time regret of the coimlmnissiomm
that all fixed
lmremnlummm life commmpanies do
not take concerted aetiomm In
cuttlmmg down
timls large cxpcns item found in these
coni-
ianies , rather timtmn await time tIme for iegia.
hatiomm to restrict the cxpemmdltum'e for
imow
bulsiness ,
ThE VARIOUS DEPARTMENTS
Time several depmmrtmmmemmts of time corn.
paimy are colmducted witim ability amid Iimteg.
rity.
rity.Time
Time medical lepartnmcnt Is timoroimglmly
s'mttemnatlzeml In
its ummetimods of appointing
ammd sumpervizirmg local
exaimmimmers ammd
serum-
tinizimmg aplmiicatiomms for Immsuim'ance.
Time ratio of
rejected eases
average about
S per cent , amid time districts in wimichi ap.
Pllearmts immmmst reside are restricted to the
better portion of time United States-no foreign -
eign business is domme.
Time care exercised 1mm seiectlng risks is
likewise proved by time '
actuary's calcula-
tioims
, showing tlmo tleatim rate to bo only
obout 80 Imer ceimt of that expected by time
immortality table , altimougim the company I
now tlmirty-cigimt. years oltI. Care Is again
simown by tIme smomall nurmaber of cases of
fraud among deatim clalimis.
Time legal tlepartrnent looks after time
titles aimd obstracts , end exarnimmos imminutely
immto time legality of each bommul him wimich time
COimmpalmy mmmakes Invcstnments. A careful in.
qumiry Into time details of tlmis uleptmrtnmont will
be fommnl ( iii time attorney general's report ,
Time Actuarial department Is vell syste.
matlzeul and ejttipped , mmmakimmg it 'easy to
acquire army immforjmmation desired. Time card
Bysteimm Is tlReul 1mm timis and several otimer
departments svitlm good effect
mmd to
arm
cx-
tent imot umsumally found.
Time financial department , wltim the aiti
of time flimaitco
commlmmmltteo of seven trustees
itt aim extensive nfair. Timis coimmmitten
mmmeets several tiiimms a week mmml , asses
tIpoim every investmmment. Time immlnumtes of
their tramumietloims , as 'eli as time cimmmracter
of time iims'estmncnts
immdict careful anti 1mm-
telligeimi.
( iisenImmmination.
Time agency department Is managttl with
time assistalmce of time . cnnmnmittj on
ageimeles ammml Instmrance , 'limo increasing
new business anml ault'ammco
in iimsuranco
Putt-
standing fromm : year to year are evidences of
Competency , Time cormipaimy gives no bonumseg , L
allowances or salaries to agents. Agermts
are tmnuler bond , and homes from tiefault
are tea' nimd simmail imm Lmmoulimt. Agents' debit
balances and comnmnutad
COimmimmissions are no.
tlceabiy aimmaii.
Time exanmlning eommmnmitt is commmposed of
thmreo trustees , wimuitte tiumly it Is twice a year
( Decemmmber 31 and Jumn 20) ) . to comlimt mmii time
assata , compare \'otielisrs mmitmi cimeckmj with
tlmo cash book , cimeck nil time entries which
finally culminate imm the ledger , anti
verify
time trial balances
fmomt 6vhicim thm Pmmbiiutimeti
and sworn statemimezits are mmmade up. This
work was found to have imSeil faithfully done
botim for Iecenmber 31 , 1891 , anti June 30 ,
1895.
1895.No
No expenditmirea for illegal or Imnpropem'
Imurposes have been tiinovpm.ed , The custody
of securitIes is In the imaimmis of the President
nmmml seconmi vice imresident.
flontla witim two sureties for
$20,000 are
given by time prenitlent , secretary , casimier
aimd treasurer. All officers anti office em.
pioyeo are salaried and receive mme other
Colnpermsation. No one , except agelmts , tie.
rives any commmmisalon upon time busluesa.
The conmparmy's treatmrment of policy haiti-
era Is eminently fair , All privileges and
imeimeflis aiven to imea' lmolicy Imolders as to
loans , rates of hillcrest , surrender vaitmes ,
mzmmarantecs , freetloimi of occmmptbon antI rests
ulence , are extended at once to time old ,
Every facility Iii making timima examina.
tion imas been cimeerfumily extenulemi by time
officers end clerks over a reriod of more
than two mnontims , frequentiy entailing nglmt ?
work anti considerable iimterruption to cu ;
rent bumsiness and suspeimsion of vacations ,
Time mmcw iiuc'lrmess
written by tIme coumpany ,
however , during timis period has been as
largo as for correspoimmling date Ia any
previous year of Its imistory ,
Time commission has found iIttl to crit ! .
cise anti mnUclu to commend , It is a pleastmre
to coflgratuiat time policy imolders ot time
Northwestern Mtmtual LIfe Insuranca cola-
pany upon having their interests guarded
by so emclent a board of omcers , anti the
imigimest compliment timat can he paid Is , that
timis examination lmss denmonstrated that the
company in its denhlmmgs witim Its policy hold.
ers anti beneficiaries aimd its ilnarmcial maim-
agoment has lived up to timat imigim standarml
of reliability su'imich hiatt gained for it time
confidence of time people and made its grand
success pozsible , Respectfully aubmmmittcd ,
WILLIAM A. FRICICE ,
Commltsioner of Insurance Wisconsin , Chair.
maim ,
GEORGE S. MERRILr , ,
Insurance Commlssionsr , Massmcimusett.
IIRADFOItI ) IC , DUItFEII ,
Sumponintemlent of Insurance , Illinois ,
J. E , i1IPPLE ,
Commissioner of Insumrance , South Dakota.
EUGENE MOOIti , .
Auditor of Public Accounts' , Nebraska.
Nebraska.'S
'S
JOHN STEEL
Geiteral Ageiit \
NORTHWESTERN MUTUAL
LIFE INSURANCE COMPANY ,
-oc- )
0 l' P' fO r :
PATTEISON BLDG. ,
1623 Vnrtnitn St. '
- .
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