Chicago Daily Tribune Newspaper, January 13, 1873, Page 7

P THE CHICAGO DAILY TRIBUNE: MONDAY, JANUARY 13, 1813 v., Polk, Tarlor, aod Campbeitar., on effected among the leading offices, for the pur- t a der s deed from the petitl id | sai i " o FIRE UNDERWRITING- ected let:nringgnnni!ang offices, for 1 iap::t THE LAW COURTS, £rmmays dus under s . krom. 4 ;fim ngzand ::g,‘fi;;'!;?hg!a‘lhaos:r:o?%ufiip u‘: “WGITY REAL ES\TA.TE. WANTEP MALE HELP. " teference with aid lands, viz.: Lots 13, 14, 16,17, 18, he from ~ husting . yon.” ®Heo answered, | J1ORSALE_ATA BARGAIN_LOTS ON WESTERN. Bookkeopers, Clorks. &ec. termis to ANTED~—A SMART, ACTIVE SALESMAN TO Its Farly Operations in the United States. Progress During Twenty-Year Periods From 1791 to 1870. The Origin of the Agency System-+-General Agents and Brokers. Their Relation to Local Communtties---State Leg. islation on Insurance. The immenso proportions attained by Fire Un- dervriting, its relations to commerce, snd the severe ghocks which it has so nobly sustained within the past two years, xender it worthy of a fuller investigation than is usually accorded. . hero srenow in the United Btates over seven sundred fire insurance companies, with aggre- peic assets of fully $150,000,000. Of this ‘namber 250 do 2n agoncy business, tho remainder boing restricted in their operations to their own rezpoctive localities. - The amount paid apunally 28 premiums for Fire Insaranco is no far from seventy-five millions. EADLY TRANBACTIONS inthis business prior to the Revolution no rec- ord exists, but there can be no doubt that some- thing was dono in cities and the oldest settle- ments, by mutual organizations. The oldest existing company is tho Knickerbocker of New York, which commenced business in tbe yesr 1787. Tho Insursnce Company of North Americs, and the Insurance Company of the State of Pennsslvania, both of Philadelphis, the Equitsble Society, £0d the Afntual Insurance Society, of Richmond, wero establishedin 1794. All of theso are still in ex- istence, and in prosperons condition. The Tashington, of Providence, Rhodo Ieland, or- ganized in 1799, and the Norwich, of Connecti- cut, 1603, were among the comrpanies destroyed by the Chicago fire. The Massachusetta Mutual Fire, of Boston, founded in 1799, went downin the recent catastrophe in that city, having suc- eossfully battled with the conflagrations of thrao quarters of a contury. Perhaps the most pros- ‘perous period for fire underwriting was - FRox 1791 To 1610. inclusivo. Besides a nunmber of mutual compa- nies, thero were etock compsnics with capitals of £300,000 to £1,000,000, and the business was conducted in a broad commercial spirit. Rates of premium were high, and without any orga- nizod combinstion of the mnderwriters, were tmiformly sustained, because they were deemed essential to eafety and profit, and becsuse it a8 considered bereath the dignity of sn insur- anco officer to obtain patronago by underselling his neighbor, The following offices, in addition to those already named, commencod daring this epoch, and are still in existence: . Providence (R. L) Mutnal .. Tnlon Matual of Philadelph Esgle Insurance Company, ‘Bultimore Insurance Compens..... . Hartford Insuran: reiad mmni%fim’y‘,'mvmm Froxr 1810 7o, 1830. The snccess thus far obtained by & wholesome conservatism and judicions mansgement gave rise, daring tho noxt twenty yesrs (1811 t01830) 10 a host of small companies who were unwilling 1o soquire patronago by elow processes, and & re- duction of rates of preminm was the result. A scramble for business ensued, in which the elder offices were compelled to Join, or else retire from the field. This was the commencement of an unhealthy competition which has ever ince ox- igted, and at times tbreatemed the do- struction of the whole system of underwriting. The immediate effects, however, were not 50 disestrous as might have becn apprehended. tea had been hoavily loaded, aod perhaps they ‘wero gubject to some abatemont, and in other directions a ressonsble degres of conservatism was exercised, so that the failure of some of the ounger companies, and & decrease in the sur- lus funds of older ones, were for tho timo'the “Worst results experienced. During this term of years tho following companies were organized : Ftna, of Hartford, Conn.; Delaware, of Wil mington, Del; American, Boston; Boylston, Noptune, Manufacturers', Franklin, National, and Weshington, of Boston; Mechanics', Elizabeth Blutual, and Newark Mutual, of New Jersey; Albany, of Albany, N. Y.; Firemen’s, Howard, North River, and United States, of Now York City; Cincinnati Insurance Company and Fire- zic0’s, of Cincinnati, Obio; Pennsylvanis In- eurance Company and Fire Association of Phila~ delphin ; and Vermont Mutual, of Montpelier. . ¥ROX 1830 To 1830. Commencing with 1831, the next period of twenty years witneseod an increesed competi- tion and a greater demoralization in tho busi- ess of fire insurance, resulting in terriblo Joss and disaster. The great fires in Now York, 1835, loas, £15,000,000; Charlaston, 8. C., 1633, - loss, €3,000,000; Pittsburgh, 1845, loss, $10,000,000; New York, 1845, loss, $6,000,000; Albany, 1848, loss, §3,000,000; St. Louis, 1849, loss, £3,000,- 000 ; Philadelphia, 1850, loss, £1,000,000, made heavy draits, which the premium receipts, greatly deoreased by rivalry, were inadoquate to ‘mect, and hundreds of companies failed. Many millions of capital were swept out of existence, and the formation of new companies was dis’ couraged for & time., In & country of rapid growth, however, so important an interest conld not long bo neglected, and about the year 1853 companies began to be organized, and by far the largest number of those now ia existenco have commenced business since thet dato. FROXM 1850 TO 1870. The twenty years commencing with 1851 and ending with 1870 would show in the aggrogate an unprofitable result. The first decado, how- ever, was a more prosperous period than the second. Summing up tha entire results of eighty years, there can be no doubt that the entire zmount of premiams received by all the com- panies have been inadequate to pay the losses and expenses. This at firast may seem incredi- -Ule ; but when it is known that fully ono thou. -sand companies bave failed within that time, ‘many of which paid little or nothing upon their ‘lisbilities, it will be gecn that the- existence of -teven hundred companice st the present timois :mot_inconsistent.with the statoment that the sbusiness in the sggregate haa baen uhprofitablo. ‘The expériende of oue hundred leading compa- nlee, aged from b to 80 years, averaging 20 years, ‘beginmng with their Organization and ending Jan. 1, 1871, is es follows: Premium recefpts, 6,184,056 Losses paid.... siflsc,m,sw These figures do not includs the unparallaled lossos at Chieago and Boston, and yet it will be seen that the percentage of loss has been nearly 60 per cent of premium recei%ta. The aversge “xpenses are 38 per ceut, which, added to losses, %ould lesve the average profit of one hundred 6ucceseful companies about 7 per cent.” It will 80% be easy to believe that, in the sg.E:g:xte ex- ience of all, including’ the handred which e failed, this small margin of profit would bo swallowed up. There have been motablo in- stances of companies whoso profits have been Yery large, but these are tho exceptions which Prove the rale. It ismost uufortunate that the firounderwriters 7@ never united in a classifieation of their combined e: ience respecting the various 8¢8 of risks insured, from which some ap- Proximate idea of the cost of insuring each class might be obtained. 1t will bo said that tho un- ted conflagrations alresdy referred to would upset all kuch calclstions, but, on the cobtrary, they shonld be included, and rates nh“dm upon such computations might safely bo Hteaon forthefatare. Obvious as is the neces- for united action in this matter, all cfforts sobring it sbout have proved nnavailing. Each fompaay jeslously conceals its own stock of in- tnmn m:nf,u:n‘d pgglem ul..o pxgcaad with no cer- . guide, rather than contribute to a5thing calcnlated to benefit its rivals. o, oL RDe SVEIT few vears rates become depressed to a 0us point, aud thena hasty orzanization is too much to say that these combinations mre temporary makeehitts necesitated by s want ot skill in management, that they are nsually of short duration, that they in\'lrl’lbly terminate in ill feeling among the members, and in very case charges of bad faith aro freely bandied. It the time and expeuse attending such spasmodic efforts Lad been devoted to compiling atatis- tics of experience for the benefit of all tho compenios, the body (of under- writera wonld™ voluntarily. charge sdequate rates for risks assumed, and the . public wonld easily bs educated, from reliable data presented in an intelligiblo form, to the nocessity of paying for insurance its full worth, Itis pot true fhat Boards of Underwriters are monopolies. We have -seen that successfid companies make, in the aggregate, only & small margin of profit, and, in the absence of rates seatallished upon deflnite calculations, the most ‘conservative are subjected toa powerful com- potition, which they are often powerless to resist, Thus ratea bocomo reduced, as bsa boon stated, until combination or ruin seem the only altornatives. If companies have been affording insurance for less than it is worth, it is but patural that when they combine they should endesvor to compensate themselvos for past loss as well as for prosent liability, but such a combination is not Likely tobecome s mo- nopoly, because of (he general want of confi- dence nmo:xéz its members. Thay arguo that, if prices are advanced too largely, a tompting mar- gin will be offered to those disposed to secretl; “cut” rates. Still, it may well be qmmnefi whether it would not be better to let the mad race for business continue until a enflicient number of companies had been destroyed to fur- nish valuable examples to the survivors, to show tho public the dangers of cheap insurance, and afford an example to those who might be tempt- cd to hastily embark in go precarious a busineas without due regard to the lawa of profit and loss. FIRE INSURANCE POLICIES - are_‘fearfally and_wonderfully made.” The various questions which hsve arisen in the ad- gnah.mmt of ]osses in past years, arc sought to e provided for in numerous ‘‘conditions™ printed usually in tho finest type. These condi- tions are so complicated that the most orudite lawyer, after carofully sttempting to master them, might well oxclaim, with Beiut Paul,“Who is sufficient for these things7” They bafile anzlysis, and furnish many hooks for unscrupu- lous sgents or shyster attornoys to hang quibbles upon. ~ Yet, to the crodit of tha Underwriters, it must be admitted that they seldom resort to liti- gatiun, and usually wave technicalities, unless apparent frand it involved. It 18 indeed sur- prising that so littlo litigation grows out of in- surance contracts. As a rule, fair claims for loss are audited end promptly paid. i ly Ame rica ACLP.SC_! s“:im ated with the is purely American, having originated wi o Hartford companies within half s century. In England when s _company desires to oxtend its busiucss, & certsin amount of capital stock ia placed among influential residents of the locali- {ios where it is_desired to operate, and branch oftices are established each of which is under tho control of Directors or a galaried manager, A want of capital lius_preventcd a similar systom from being gonerally adopted in this country, and some plan had to be devised by which com- panieg conld extend their business and secare at once the general distribution of their risks, and an increated premium income. The Hartford companies were the first to omplus agents, and the compensation agree upon Was 8 fixed per centage of preminms, and this bas been adoptod b cumgnm'sn doing an agency business. Thero can be no doubt that very grest ovils have grown out of this method of compensation. A company having to seleot five hundred representatives to et in different locslities must put up with such men as can be obtained, and bo froquently deceived as to their reliability. The company's interest ia to insure only desirable risks, whilo the agent’s would seem to_ be in obtaining a5 many risks as possible, regardlese of their desir- ability, in order to increase his commissions. Honoreble sgents will endeavor to pro- tect tho interests of their compsnies, to the detriment of their own, but what man is not influenced, at least unconsciousls, by Belf interest ? very many disastrous confla- grations bave boen owing to thegreed of agents ¥ho urge over-insurance upon small merchante, who were thereby tempted to commit the crimo of arson. Janagers of companies fully under- stand this difficulty, and endeavor to obviate it by & close and strict supervision of risks at the homo office, and by travelling agents, but a large volume.of business made up of petty details can only bo properly scrutinized by thoso who are on the ground, snd familiar with all the facts connected with each rigk. The requirement of daily reports from each sgent of _sll risks as- sumod has been of 'frent advantage to companios, enabling them to promptly cancel such policies 88 are deemed nn- desirable. The sgent's commissions were formerly fen per cent, but of lateyears fifteen per cent has usually been paid. Action was recently taken by the National Board of Underwriters re- ducing commissions to the old rate, buf no one believes that ansthing practical will result. Companies facilitate their operations by the means of GENEBAL AGENTS, located at central points, to whom Iocal sgents report. The pioneer in this department was the Protection, of Hartford, a_company now forgot- ten, but which operated for 26 yoars, failing in 1854, It principal general agency waa at Cin- cinnati, and embracedall the Western and South- ern States. Connectod with the Cincinnati { office, at the timeof the Protection’s failure, | was J. B. Bennett, a young man ecarcc- Iy 80, who subseqnenzfy became widely know as an underwriter. Ho obtainod an ap- Fiu‘i;nment 28 General Aéam for the ZEtna, of tford, with control of the territory embraced in the Northwestern, Middle, and Southern States. . The capital of the company at that time was only 8300,000, and its stock was offered for sale st 66 ceuts on the dollar, In sixteen years Mr. Bennett had reccived about twenty millions of dollars in_premiums, paid sixteon ‘millions_for losses and expenses, and remitted four millions of net profits to-the homo oflice. Chicago is now considered the most desirable location for & General Agency. The following companies require Western and Bouthern Agents o roport to Mensgers in this city: Hartford, Union, of Bangor, Girard, of Philadelphia, North Missonri, Allemanis, of Cleveland, Koyal, of England. BROEERAGE in fire insurance wes unknown, except, perhaps, in Now York and Philadelphia, until within a fow years, Tt grew out of the practice of em- ploying solicitors to obtain business for com- anics, which is also of modern introdaction. ‘ormorly, an underwriter, like a lawyer, waited 10 bo applied to for hia services by thoso desir- ing them, but in the coarso of time enterprising men were put into the field to drum up trade. These were employed oncommission, snd it soon became apparent that a_solicitor counld act for two or_more companies as essily as for ore. Very soon solicitors adopted tke name of brokers, soliciting business on their own sccount and placing it with various companies, The latter began to bid for tho patronage of the brokers in various ways, and in proportion a8 they displayed an mxin:fi for favors, the brokers becamo exacting and dicta- torial.” Things have beencarried to such a pitch that insurance officers have felt compelled to accept every considerable risks from brokers for fear of giving them offence and losing their patronnge. Many attompta havo beon made by the underwriters to abolich the system of bro- Tterage, but withont success. It ia not confined to insurance, but belongs to every branch of commerce. it were .mot useful it would be sbandoned. It meods control, and, like the fiery element, is s gocd servant but a bad master. Underwriters who can be Dullied or intimidated by brokers are unfit for their positions. In large cities where distances must be overcome and transactions multiplied, insurance brokers are indispensable, and thoy often furnish the merchant with valuable infor- mation and advice. £ One of the greatost obstructions to the oper- ations of insurance companies is the UNFRIENDLY LEQISLATION between different States. In some cases very Jarge deposita aro requirad, the intention being to prolubit outside companies from doing busi- ness in the State, and allow free scope to local institntions. Tho latter, however, dwindle for want of competition, as may be seen y in the Stato of Mississippi, which bas pursued this policy of requiring a large deposit, and has now only one company located within it bordors, and that & very emall one, to ehow as the result of its fostering care. _The following extract, from & leading insurance sushority, may be of interest in this connection: It {s undoubtedly for the true interests of the nation, even if §t were not 3 matter of comity and constitu- tional obligation, that the citizens of each State should beentitled to all the privileges and immunities of citizens in the several States ; ‘and the insuranco cor- porations of esch State sbould be allowed to compete Lecely wrilh fhiose of every other,shaving the sama bex- cfits and privileges, and ted and controlled by the same restrictions and regulations, subject “only, to snch ressomsble rules for fhelr manage- ment as each State in the exercise of its sound discre- tion may deem expedient and necessary. The fleld for the banedcent gperations and fature extension of old and tried systems, as well 23 mew of ingur- ance development, ought not to be limited by any Siate linea in our Unton, but, discarding sll narrow znd provincial risalries and jealoustes, a vast conti- nent sbotld L2 fairiy opened for honest and honorable competiticn ; leaving £u~cess to rewerd, e it should, $he compunis whidll best subsarva tha vublic tuterest. Saturday’s Record of Events in Bankruptcy. General Notes of Interest to the Public and the Attornoys. John Daemon, saloon-keeper, Nos. 147 and 149 South Clark street, oved Conrad H. Warneski the sam of $2,600, and not being able to puy, trangferred to him by logal conveyance, the tables, chairs, bottles, liquors, bar and fixtures. At the same time he was insclvent, having stop- ped payment ontwo bills, drawn by M. AL Bmith & Bro., for $553 and $103 which had been accepted by Daeman whilst a resident of Oma- ha, Neb. The consequence of all which is that Eaid Af, AL. Bmith & Bro. now pray for Daoman's sdjudication as o bankrupt, s fate he might lave avertod had he remained coatented with tho Nobraska villa and shunned the fatal allure- ments of the Genus City. The creditors of Valentine Giehl, of Mota- ‘mora, 1L, evidently think that trader's commer- cial transactions, looked at from o moral stand- poiut, quite too thin. Among other matters, he has transferrod his property to Nicholas Hol- singer, alleged to be & creditor, suffered a judg- ment to be levied on that prop- ety in favor of Mary Gichl, snd mortgeged his real estate fo Franz GiehL Indeed, Valentine secms to have done littlo else of Iate than transfer things to different peoplo. 80 that when his debts ehould come to be col- Jected, enongh would remsin tolevy upon. Mean- ‘while, James Earl. of the same place wants pay~ ment of a note for £376.95, and AL Belz & Co., of Chicago, on open account, for £160.50, and as they seo no other chanco of obtaining even par- tial sottlement, they petiuion for the adjudics- tion of the man, and for an injunction restrain- ing M roceding with hor judgment, and Franz :;{zzpdiupusingg of that yeujaut‘izo. t;’m of which tho Court concurred in. - Albert Rauch petitioned, on Baturdsy, for the edjudication of Wurzburger & Frank, furniture dealers on Bouth Clark street, claiming as credi- tors for goods valued at $293.11, and allegin, act of insolvency in the debtors f)y sllowing their 00ds to bo taken by legal powers in favor of Jobn & Buschmeyer, who now have possession of their entire property. Tha assots are stated at sbout 31,500, and linbilities at ©4,000. Tho roperty was siezed on Saturday evening by the arshal’s minions. Edward B. Sackett, Iato of Sackott & Beach, files a_voluntary petition in bankrupicy. He owes $907 on notes, and sbout $5,000 of un- socured accounts, nearly all of which is the in- debtedness of Backett & Beach. His assats con- sist of wearing spparel valned at §200. If thero is anything elso on the crodit eide, petitioner is not aware of it, the books and accounts of the firm being all burned up by the October fire. ‘Engene V. Roddin, Assigneo of the estate of Michael Bunsell, was, on Ssturdsy, given leave to soll, by privafe contract, tha atock of jewelry in the store, and to compromise for the rent of tho premises. The estate of the bsnkrupt Adolph Herbert was, on Saturday, adjudged capable of paying & dividend of 10 per cont, which was socordingly sanctioned. Assigneo Campboll will report to the creditors of the estate of Btellar this nfierncon, at2 o'clock, when they can vote themselves a divi- dend it they liko. EVERY OXE POR NIMGELP. Anne M. Angevine relates, in a bill praying for an injunction, and so forth, a8 set forth- below, that she bm:&ht of Hezakish Moor sud wife, on on the 28th October, 1869, Lots 18, 14, 15, 16, 17, 18,and 19, in Bloek 3, Moore's Subdivision of the northeast quarter of tho northwest quarter of the southwest quarter of SBection 85, Town- ship 98, 14, prriedis borrowing from ber uncle, aporson named Ostrom, the sum of $450, for which she gave the mortgage to him, as sho un- doratood, but which now appears to have been iven to Jeremish Leaming, who sold it, on the of October, 1872, to Thomas J. Sutherland, who attendad the sala on behalf of the ntiff to bid on her account, but bought for olf. Suthorland now holds & conveyance of the prop- erty, and not unnaturally desires a settlement o his disbursements before be gives up the deed. 80 plaintiff, who has taken 1t into her head that his account is excessive, petitions the Coart to undoullthat has boen dons, and give Lor o doed le novo. GENERAL XOTES. Judge Porter, on Saturday morning, decided that under the new statute, where the plaintift files his affidavit of claim, that tho defendant's filing & general affidavit of merits stating that he has a good defence to the pleintifl’s causo of action, is not sufciont. is affidavit muost state that ho bas 2 good defenco to the whole of tl:;tphintifl‘i claim, or if to & part only, to what part. Thero will be a call of the general chancery docket in Judge Willinms’ room Jan, 20, inst., and confinfli:g from dsy to day till the whole d :cket is call Upon said call all cases which have not,in the opinion of tho Court, been ‘prosecuted with Teasonable diligence, may be miseed upon motion of the defendant, or the Court will diemies them upon its own motion, unless good reason to the contrary be shown. Motions for new trials were made in the Criminal Court, on_Saturday, in the cases of McLavin and Heim, the liquor dealers, who woro charged with selling liguor to well known citi- zens who were o known to them to bo drunkards, and taken under advisement. Judge Tree will try Toomey v. The United _Btates Brick Company to-day, as_the witnesses were being gathered together on Saturdsy. Judge Gary undid the marriago ties, on Satur- day, in_the cases of the T.urnier couple, the Gerated yokel, and the Prieur pair. Tho Thayer & Tobey furniture compeny, on Saturday, commonced Suit in assumpsit, $2,500 damsges, egainst Roddin & Hsmilton, in the Circuit Court. Andrew W. Allen enterod confession of judg- ment on notes of $633.90 and £100, in the Cir- cuit Court, on Baturday, sgainst Stephen F. Nprton. 3 Confession of judgment was entered, on Sat~ urday, in the Superior Conrt, on 8 notd of §300 given by Allen J. Jackson to Samuel E. Jackson. McGnire Bros. & Co.. on Saturday, replevinod John F. Eyan for one barrel of gin, two barrels of whiskey, sud one cssk of brandy. No. 41,935, in the Superior Court, was marked “Rollins v. Rollins, suppressod for servica.” Tho Munn & Scott trial S_Crimhml Court) has been indefinitely continue NEW SUITS. TXITED STATES CIRCUIT COURT. 10,758—Cook County National Bank of Chh‘:&‘ogv- Joha V. Tappan, Collector ; bill to reatrain the collecs tion of taxes on stock. 10,759—Wm, P, Ware, of New York, v. Benj. Lin- daner, Meyor E. Lindsuer, Liepmann Levi, and Elias AL Rosenbiatt; bill for the infringement of a pateated ear, cheek, gud chin musl. 10,760—8ame v, Insao Zoellner ; same. . 10,761—Same v. Isadore Eisenatadt ; same, 10,762—Same v, L. J. Zeiner and Joseph Brunswick; rame, 10,763—Same v. Wolf Marks and Morris Marks ; eame. 10,i64—Bame v, Agustustus N, EAdy, James 8. Har- vey and John F, Carter, 10,765—Ssma v. Chas, B, Brownsaz, Wm. H. Brown- son, and Wm. Hayden ; same, 10,766—Henry P. Ware v. Hy. M. Marks ; same, THE CIECUTT COURT. 5,538—Crawford v. Bradley ; appeal, 5,530—Thayer & Tobey Furniture Company v. Eu- gene V. Boddin and James 8, Hamilton ; assumpsit ; $2,500. 5,540—Patrick Colman v. Honorah McEsy, Mary E. Eelly, William 3. Kelly, ber busbend Susazns, Caro- line, Morgan L., Asron M. V., Bamuel M., Zurababel, Soment by Bhuel Moy, decedued va bel Lot 1 sgreement el McKay, o B 20412, Block 4, of Brown's Addition to Chicago. 5,501—Andrew W, Allen . our F. Morton; confession of judgment on a note for $100, 5,541—8ama'y, Same ; rame {or $638.50, 5,543—Poople v, Reich et al; sppesl. 5,544—Brackin v, Besttie et al. ; same, 5,545—Northwestern Fertilizing Company v. Bosrd ©of Trustees and their confederates of Hyde Park ;in- junction restraining interference with the Company's employes, *(See report.) THE_SUPERIOR COURT, 41,95—Britten v. Barlow; sppeal. 41'934—Samuel E, Jacksan v, Allen J, Jackson; con- fesslon on nate of £200, 01,935—Eiizur D, Seavey snd Daniel H. Seavey v. Moses A. Thayer; assumpsit, £1,500. ALS3i—Elizur D, Seavey, George P. Sesvey,and Ctarles E. Seavey v. Moses A. Thayer; sasumpsit, 1500, 11,935—Danlel McGuire ¥, John F. Rysn; replevin. {1,939—Anne M. Angevine v. Jeremish ' Leami Thomzs J. Sath:xand, and W, F. Ostrom; bl t6 sctasidea conveyance of certain lands to Thoa.J. Satherland, for the re-conveyarce by Leaming of the s24¢ Jands tothe PIintiff, for an account (o be taken and 19, Block 2, {n Moore's subdivision of he north- east quarter of the northwest quarter of the southwest quarter of Section 35, Township 38, 14, AN 10WA TRAGEDY. Shooting of n School-Teacher by o Young Girl and Her Lover. From the Cedar Falls (Iowa) Gazette, Jan. 10, One of the most unprovoked and foul st~ tempts at murder recorded in the annals of crime was perpetrated at our very doors, last Monday, in the broad light of opén day. The victim~ 0f the shocking tragedy was Byron Wright, snd the partics who committed the black-hearted deed were Almira Stickley and & young man named Richard George. The ecene of tho bloody crime was the house of Mrs, Sam- nel Stickloy, in Codar City, whose busband died 8ome three years since. Byron Wright was & resident of Waterloo, Bome two months since, he engaged the school at Codar City. Before his school commenced, ho was visited by Almira Stickley, 8 young girl about 17 years of age, aud solicited to come and board at her home. Ho gave no docided answer. In bout & week bo was called upon again by the girl and thon consentod to go home with~ her. Among tho reasons given by the girl for wanting him to board there, was that her mother had a chance to buy a heater and wanted him to occu- Dy the room, and he was offered board by them at two dollars a week, Boon after Wright had gone to Mrs. Stickley's to board he saw the place he was in, and decided to change, but, for fear of arousing the anger of the family, had delayed making the change. Ho had finally decided to go to Mrs, Kingeley's, and, when Mrs. 8tickley and hor daughter learned of *his mtention, they were very angry. Laat Mon- dsy morning he lept late, aad went to his school without breakfast. ‘At rocess, botwoen 10 and 11 o'dlack, feeling faint, he went over to Mrs. Btickley's to got something to eat, aad, while seated et the mirs came up bebind him and him in the back of the head. Heo jumpoed up and fell on the floor. -Heo at- tempted to get out, but Richard George rushed ont of an adjoining room, and closed the door, refusing to lat him oat. 'Wright then wont to the window to get air where a broken pano of glass was, and whilo thero was shot in the left side of tho head by young George. Goorge and Al- mirs immediately rushed to the barn, hitched up the horses, which were harnessed, and started for town ai lightning speod, whipping the horsos at almost every step. They drove up opposite J. Cowing's grocery and upset. Tho girl picked hersolf up and rushed frantically into James Taggart's grocory. ‘'he girl ox- claimed a8 sho entered the store: ‘*Mr, Tag- gart, I've killed our school teacher in Cedar City. 1 shot him while he was eating his break- fast.” “You don’t say so,” says Tugglrt, and another gentleman in ho storo said to her, “ Woman, you are crazy.” ‘‘No, Iam not crazy; I borrowed the rovolver several days ago with the intention of killing him. -1 was fighting in self-dofence. What can they do with me?" Mr. Toggert said, * You will have to suffer the ponalty of the law.” Almira and George woro taken into custody by tho oficers; mother of the girl. : Wright staggered over to tho schiool-house and, informing the scholars that he was shot, was led into the house of Mr. Dawidson, where he remsined untidl Tuesday, and was then re- moved to Waterloo. ¥ Dr. Robinson, asaisted by Dr. Adams, of this city, attended the woundod man, the former ac- companying him on his removal to Waterloo. The affair caused intense excitement, and hundreds of our citizens sought the presence of the dying man. ‘The etatement made by Mr. Wright is corrob- orated by those of Georgo and the girl Almira. 1t is, that he went thore to board by the induce- mounta offered by Ars. Btickloy, as related above. Ho continued to board there, and tho zirl and mother appeared to evince an attachment for him. He dacided to change his boarding house, bul was afraid of srousing their ire. Hohad stopped with Mr. Kingsloy at times, and when- ever he returned to Stickiey's they invariably i quired, mhthor he was going to lesvo. ' Satur- sy and Sunday befoze the tragedy, the moth er and_dsughter repestodly ssked bis reasn for leaving, and the old ladw replied soveral times that it was cruel for bim to go. She said Almira had wn to love him, and it was kill- ing her. Wright replied that ‘ho could seo no Teason for this,as he had never dono anything to warraot an attachment of that kind. The old woman and girl would ‘at this time curae him and say ** Go if you want to,” and then tho girl wonld ‘ery. To theso paseionate outbursts Lo mado no reply. Monday at recess he went to Ars. Stickley's to get somathing to eat. Almira walked from tho sitting-room to the kitchen, end in -doing so had t0 pasa tho back of his chair. Almira stopped bebind bim so long it attracted his attention. Tlo said, * Girl, why are you stopping thore 7" e turped to the table, Axd no sooner had he done 50 when ho heard tho crash of a pistol and felt o bullet enter the back of his brain. Mra. Stickley had passed into the sitting room. Richard George was in the sitting-room. He saw him just beforo Almira come into tho kitchen, In trying to got to the door he was met by Richard Goorgo, who said, *“What do you want to go out for? You shan’t go out.’ Wright enid let me havo air. mnnfi to got ont, he started to & window whera a light was broken out, and, while standing_there inbaling air, was ghot again on the left side of his head, near his leftear. QGeorge retreated. Wright asked the old woman why this was done. She replied, “1t serves you right ; why havo you been muk- ing love to Almira?” Ho replied that he had not. Wright states that thero bad nothing passed botweon him and Almir_but plonsantrics ; that he had nover been erimipally intimate with bor. 'fli:if i8 corroborated bythe confession of the & To sum up the cause of tho murder, it may be briefly stated as we gather from the confosion of Almi?x, Richard George, and statement of Mr. Wright: Georgo was in love with the girl, while the girl was in lovo with Wright. Maddened with the knowledgo that sho could not get Wright, the girl set about to Lill him. Incited with lovo for the ?irl ana jellmmi Georgoe bocamo a party to the bloody crime. The whole plot was ar- ranged a wook before it was done, by the mother, the daughter, and young man George. The examination was postponed until to-day, toawsit the resnlt. The trio wero tsken by Constablos Royce and Leiater, on Tuesdsy, to ‘Waterloo, and lodged in jail. The promincnt actor in this sad tragedy—Mrs. Stickloy—is ono of the worst characters outsido of the Penitentiary. Bhe has been a terror to the neighborhood In which sho has lived, and a common nuisance to society wherever known. Her conntenance, like that of a demon, is but tho index of her life. Hor daughter Al about 17 years of ago—is just such & person aa one might exfiect, brought up under_ such in- finences—rash, crucl, head-strong, and devilish. Tho man, Richard George, ia about 21 years of age. He bas boen engaged in tho harness busi- ness in Cedar City. His past carcer im little Xknown bero. _When tho handeuffs wore put on him to go to Waterloo, ho bore up under it with stoical indifference. P. 8. Bince tho sbove was in type the mother and daughter have mada a full confession. Thoy determined some two weeks ago to make Wright Almirs or kill him, and have beon ehap- ing their plans accordingly. The intsntion was to kill him at noon that day, but coming to the houee at recesa the bloody act was done then. The young man George also makes a full con- !fiuion. uu: bubjedth "\'l! to get erlghi out of the way, 0 might marry the girl. At last xsportu%xg-igm was gtill E‘mg THE CAR PICKPGCKETS. A Poor Clerk’s Story of n Mob onn ‘Third Avenne Car. To the Editor of the New ¥ork Commercial Advertiser : Iamonoof the old boys, born and bred in this city. I have ‘‘run wid der machine,” been to the races when the pickpockets *‘went through " most of tho crowd, attended exhibi- tions of the ““manly art of self-defence,” and have algo attonded mass meetings a Tammany Apollo Hall, and all the other halla. In fact, I have been anywhere and everywhere that any other old stager in these parts has vis- ited, and I never carried s pistol or adirk knife, nor have been * beat” in my life until Iast Saturdsy night. On that nlfht 1 plaged billiards for a Deimonico dinner ; { was beaten. After stopping np to the connter and paying for the game, I took & Third Avenue car for home. When I got on the rear platform I found it crowded, and noticed a woll dressed colored # friend and brother,” a big, short-haired man, with four others of the same sort, beside an old gentleman, with a white neck-tie, and a delicats, This youth stood againat the rear railing, b tween me and the old_gentleman with the white neck-tie. I thought the short-haired men were ockets, 8o I felt for my pocket-book, found it all right, then buttoned up my overcost, and, like a troe *‘old eport,” waited fo see tho fun. In a few minutes the colored individual shouted, ing.” Tho big, short-baired man , or I'll mash you." Then pressure became great, and the del- and effeminate youth by my eido icate effeminate-looking youth. | ro “ you, eir, Lwill ;” and sohedid. Tne big, shori-haired’ man then made a lunge at the American African, when the old gentleman with the white neck-tie raised his bands and cried ont, “‘Let us have peace—don't strike one of the down-trodden race!” I thought the fun would commence—it looked like a fight. The youth snuggled up closer and closer to me, and finally ecreamed out, ** Keep the crowd off, or I'll be killed.” I g:t desperate, let go my pocket-book, and with both hands pushed the crowd back. The youth then said to me, “Ploase pull the bell, sir, this is my strest.’ As he was about to ]umx off the car ho thanked e for my kindness, and T thought him to be o very nice young man. Tho * colored pussun”" and short-haired man goon followed. Then the old man shouted, *Somcbody has stolen my watch.” There was quito s_commotion. After it ind somewhat subsided, I said to him, “I guess_you are from the country, sir.” He an- swered excitedly and indignantly, “No, sir! to tho Manor born, sir? Why do you ask me that uestion, sir?” I enid, “Simply because any Yorker onght to know that thera was s gang of Efil‘l‘:&c}xcm on this platform, and act accord- he old gentleman looked savagely at me and roplied : *Sir, the only person who was near my watch-pocket was the youth you was 80 anxions about." I thrust my haud into my pocket, but 1my vocketbook was gono. on may bet that thire was some tall language by tho undersigned for 8 few minutes, but I soon renched * my street " and got off the car. AsT ‘wasa about to step on the sidewalk, the old gen- tleman shoutod, while shaking his cane atme: “I belicve you know who has g[ut my_ watch, sir! IfT could see s policemanI would have you arrested, sir.” T hastonod home, & saddor but wiser man. Please notify vour readers to bewaro of a deli- cato and efferiinate youth on the rear platform of & city railroad car. —_— A Sad Case. From the Louisrille Courler-Journal. A gentleman from the country on Saturdsy 1ast reported & most distressing incident of tho small-pox torror, which had just occurred in the neighborhood from which he came, only a fow miles from this city. An entiro Lousehold wero stricken with the discase. Tho mother di while hor two daughters wero Iying at the poini of death. No one would come near tho placo to bury tho doad woman, sud the husband was conipelled not only to porform this sad duty, but to dig the grave for his wife. But beforeho had finished this sorrowful task be himself was broken out with the pestilence; and the father and children were left to die withont tho aid of their friends. - —— Jeyne’s Expeotorant. T have long known the virtnes of Dr. Jayness Ex- pectorant, and frequently tested them on” myself and family, when sfilicted with coughs or colds. I believo it to be one of the best remedies ever discovered for these maladies, Iam about tosail in & week or two on 8 voyage to Europe, aud should a8500n think of expos- ing myself to the changing skies of England witbout a0 overcoat, 88 without a supply of Jayne's Expector- rant—Rev. Dr. Do\fh’ngk. formerly Pastor of Berean Baptist Church, New York. - Fire! Fire}! Fire!!ll An exhibition of the Champlon Self-acting Fire En- gine, with hook and lsdder attachment, will e given at No, 84 Market street, in front of Central Block, at Laif-past 1 o'clock p. m., sharp, this day (Mondsy), This is the largost self-acting fire engine ever ml&u. ‘Horatio M. Smith, Agent. —_—_— 3 Cod Liver Oil. Hazard & Caswell’s Cod Liver Ofl 1 the bost. a sult to parties wi o bulld. Toguire rormis 14 b, g B Clark at., 1n b3ak. GEO. UADWELL, or at 135 South IF OR SALE — COTTAGE ~ ONE_AND A HA % story frame cottage, situats on Thirty-second-st., lm'au‘:ué W:éll&'ell. flllw]‘ll's' fimui: m@n‘:bb Inente:interest por cent; watar on promiiva: PRUD B FISHIR, 16 LaSatlaste basoment, "0 o OB SALEARDLE FHOST RESIDENCE, ATL modern improvemenia, together wilh furnitaro; best location on the South DAvb\aumranynflaw{&lnamm- mence housckeaping: ia’opporiuulty seldom of- forod.For torms, d¢., eddress G %, Tribeao oifice, OR SALE—GOOD LOTS ON ALL THE STREETS ‘betweea Twonty-third and Thirty.niath-sts., and bo- tweon Stato and Haistod. All out of firo limits: Berfect. tior.” Wimatiy doads. A'very wmailparment doms 18 r oot Ko e URRSE B wibnar, oo M OR SALE_gi0_AT ABOVE PRICE LOTS ON O S S s worthnbsss ey b and vors aasy teimss e 6 STOREY & SON 18 bler: Toom s, cornor Sisdlson. ~ THOSE OR SALE—ON FASY PAVMENT: bands odlous cott bortioad, No. 39 Firs Lincoln and Robey-st Koom 4. whis- resent sovoral flndlu brands of Kontacky @ e rop: Keya in this 3 Kera in this ms dress, with referoace, 1 Misc leoug. - 3 contry trado’ - WARD G DBTOTAS! ¥ortad Sarsat, raired- Y ARTER_Iw MEN FOR TIE.CUTTING 1N NS slasippl, 1 9 for b g1l ) ibisplbalf tacot 0 for mood-cheopiog, 0 lies D—] LASS A 2 W R cile Gariross eithor i, Missour ot K pes” for the saloof the Siagar; good Indncements, and first. Yass torritory guar V3 Trib TV ANIED-MUSICIN — & WAN GOF STE{DY ‘habita, and a good playor upon ona or mors instru- 1o travel with & fmtelass exhibltion; muit ba te-Bodiad and veady for hiard work, at modorata wagos. d address i and torme, an abls. Stato_particulars of ol OR_BALE — EXTREMFELY ~OHEAP-3STORY |, “and bascment_stone front house, Wabash-av., near Twenty-ifth-st. S. DELAMATER, southwest corner Clark and Madiso L PROPRIETOR, 348 Fulton-st, IWANTEDSISTELLIGENT ¥0! SEN T exrn wad, enmuea in thy telegraphing businoss au PORTER'S "NATIONAL TELEGHAPH ®COLLEGE, 129 LaSalle-st., Room QR SALL_FOREST AV —TOTWASTERT, EAST front, botwoen ’l'blrlr-mmfl and Thirty-third-sts. Also, Colfax-av., lot 10163 betwoon Thirty-second sad Thirty-third-sts. SNYDER & sza No. 11 Nizon's Bailding, northcast corner Monroo and LaSalle sts. OR SALE—WABASILAV,—t0 FEET TRONTING on Wabash-av., batween Thirty.fourth and Thirty. fitth-sts. Al -2 Michiganav., lot 41155 feat, ncar For. tiothst. SNYDER & LEE, M Nizon Buildiog, morth- €35 corner Monroe and LaSzll>-ats. ¥ TANTED-3 MORE CHOPPERS FOR MICHI- an, 0 leare this day with tho agent. Frmo faro 1o work: _Apply 123 West Randol LL & C CliOPPRIS FOR, cseitly . ho I FREE bacl! DIANA. 1 3 we. i Pt T rolk, “Apply vocine Com: L nak i old, DDy ot SUL & COAKER Sl Wrest Ran- ower: worl pans's agents, Al Golph- OR BALE—3; NEAR DOUGLAS PARE; aa fmproved farw 80 or 73 miles from Chica go will bo taken In part payment. SNYDER & LEE, 14 Niron Bullding, northexat corner Monros and LaSalfo-ata. AN m-'mrxz_'r'fiz BESTINDUCENENTS city o men out of employment: 1 spentswanted, SYITH 4 WHITHORY, 15 W o Wash: TOR BALE_80 WEST WASHINGTONST., NEAT Unlon and Jofferson Parks, fine brick hoase and lo: at s bargaia if taken soon. Ingniro oo premises. “*A.\rrzn—\s GOOD RRLIABLE MEN THAT want employment. catlon PHILLIPS & CO., Kr- eharga Dlock, Room 35; honcrablo business, good pay. OR SALE—A BARGAIN—FIIST-OLASS 3AR- Blo front, all mndern Improvements. _Apply o premises, 5% Wost Van Buren-at. C. L. TRALL. VYV ANTED_2 CHOPPERS AND HRW. Tennessoe, ha!f fare: als G teamsters. Wost Madison-st. SHAW & WILSON. OR SALE_Tlari® “FEET ON MADISON-ST.. botwren Oskiey and Wosfern.av, ; aiso, front on Monron-at., near Oakleyat. 'SNYDEH & LEE, 13 Nisow Bullding, sortiesst cornir Monroa snd Lat aile-sts. FOR SATETIN® LEET ON TUACKEONST, near Wabash-av,, alley on three sides. Very easy tarms, or will take s’ portion o the purchise prico ir glhier proporty. SNYDER & LE, 1{ Rizon's Bulld: ing, northezst corner Monroo and La Salle-sta. OR, SALE 10zl EFET, MANUFACTURE Iots, southeast corner of Woutorn-av. and Kinzie- 2lso, 203155 foot southwest comer Oakley and Kinzie.sts. SNVDEL & LEE, 1 Nizon Bullding, northosit corner 3fonree and LaSallo-sts. FOR , FALE-PRAIRIE.XY. -3STORY houso of 8 rooms, and fot S5r1Bi foo Trenty-ainth and Thirtieth-ste. SNYDER| Nizon Building, northoast corner Moarooand FRANME botween LEE, 14 lo-ats. ATANTED—10 WOOD.CHOFPERS FOR OHIO, IN. dia d Michigan froa faro to same of thowork ; Ais0, 1 choppors and heiwers to got put tim in Jao Teoh, af good prices. " Aply to CHRISTIAN & BIN 101 Sotich Cemalose. WANTED--FEMALE HELP, Domestics. KEAT, TIDY WAITER-GIRL. 124 0 Adams Express. pres: TWASTED-X COMPETENT PROTESTANT GIRL t0do second work; must cumo woll recommonded. Apply at Tribans otfice,’ comar Dearborn and Madisn- Bts., or at 3 Groveland Park. ‘ TANTED_GIRL TO DO GENERAL HOUSEWORK. In a private family (no Irish! Kuply 2t 184 Thirty.soc: ondats Bear Prattio-sss MRS T 00 WATBIG. J{ORSALE_BY 8. W. PEASE, 21 STATH-ST.—3 tory and basgment brick houss with lot, ‘gas, water, oy noar Uaivenity sud Boulevard. At @ bar! sold soon. sewren 2,50; ONLY 8200 DOWN, WILL BUY ym house, 30-{t lot. Fourth-st., enst of West & McWHORTER, 61 South Des- SUBURBAN REAL ESTATE. JPOR SALE-TWO IGACRE BLOOKS, SOUTH Side; only $100 por scre; 8 bargain; 2 ‘scros naar Bouth Lsnae, only §4i5 per ac lowood ; very cheap, if sald (mims 3 ATER, soathwest corner Clark and Madison-ats. OR SALE—CHEAP, 100 TO_%0 ACRES OF LAND near thie Cornell Watch Fuctsry, platted and graded, 1 iheral terms. Alsosmall lots on 1o; Iast Foar: 160 trains stop at this crossing of th rallroads; the most accesstble suburb of Chica- o; thtle perfoct, Nono of my proparty L4 aifeated by th ostwiok land suit. PAUL CORNELL, 189 La §: COUNTRY REAL ESTATE. (O SALE OR EXCHANGEFORCITY PROPIRTY, onoe uf the best fsrms in Kane County, having s saut beok which yields an annual income of from 1,500 to 22,000, also. contalning superior advantaios for stock ralsing or dalcy. Also improvod Aurors city proporty in exchange for city or suburban unimprovod lots. Address 119 Dearbo Room 8. TO RENT--HOUSES. 0 RENT_A BEAUTIROL FORNISHED party that will board the owner's family for tho ent, ~Address 8 85, Tribuno offos: 0 RENT_COTTAGE OF 4 ROOMS, KITOHEY, and fargo barn. _Inquire at 168 Johnson at. 0 RENT--2-STORY HOUSE, %9 BURNSIDEAT., at $38 per month. Apply st résr honss. TARINER: 7O REXT-HOUSE In FOURTI-AV. FURNITURE L forsals, Inquiroonthe promises, - - G REST_120 WABASH.AV., FURNISHED. FOR ‘particulars eall at the houso from 9 . m. 106 p. M. 79, RENT-AND FURNITURE FOR BALE—AN 11.ro0m house, 'hbh Larn; rent 350 per month; immo- diste fon; argain, Lor particuiars soo SEL- D FIE Ro. 11l Eant adison-ste, Hoom & 0 MENT—7 HANDSOME BRICK DWELLINGS Tnily complated, with furnaces and modern improvo- ents, corner sk and [llinols-uts. 1 brick 80-foot stare on Jackson-st. SP 4% Room 45 Exchanes fatidy pply at Room g0 Bul 5 a CITARLES GOODMAN, 0_REST_DWELLING OF 8 ROOMS, ABOVE storo No. 3 Archar.ac, fa fond conditéo: 830 por Jhinihto god tenans. . 6. GIVINS, 123 Weat Wash- n-at. HOUSE of threo TOR SALE-TWO FARMS OF 16) ACRES EAGH,. 3 miles from Woodstock, MoHenry Canaty, Iil.” Good bolldingy” arcbard, dlobes "go lacmabrance, Gu vay s, . K. PEARS Ve terms, 3 Bureo-st., or L. KLINCE, oa tho premise O SALE_FARM~OR EXCIANGE, FOR OITY pm{\er!?, 120 acros .smd 1and one mile from rallroad. Avf!}{a )y Monday next, Jau. 13, at grocery, corner Polk an bey-sts. FOR BALE-2,00 ACRES JOHNSON OOUNTY, Kentucky, land; low tigure for cash: or wil trade forguod property. ~ Address’ L. HESS, B. 0. Box &5, Now York City_ REAL ESTATE WANTED. ARTED_FOR MY CUSTOMERS SIS n’,;';,’.‘%o'b o € houses 2nd lots, varying in prico from $10,000; 1o of whioh oo cash v, My principal basiness {s. !le:tlni‘prvr"! and roaking investments for others, and Mrln‘i d 1) yoars' oxpericnce in the Lusi- ness in Chicags, theroforo, when it 1s fully known by thy public that 1 keep, for thelr {ros tse, 3 completo record of all the roal siate sales made in Chieago, incloding Prices paid and the names. in fall of tho buysrs and sell- ere, I thon think they will consider ray services saluablo. }'m 'y, Ihr:elcr;aa;dn bo given to mcl :.yul ontially, or | nover pat up boards on nloes 1 am com- od to by owner. ! S, Real Estate o symo CUMMI. ?1\0 RENT—STONE FRONT ON WABASH-AV. NEAR Eidridge-court; 13 rooms filled with boardors; alsa an.av, noar Twolfth-st., 16 rooms. framo houss on Mie! IORTON, Roal Estate Agenu, 53 P. A. BROWN & D. Wabash-ay, Suburban. TTORENT-AT HINSDALE_IMPROVED 2, FARMS, rora 40 to 420 acros. Good bulidings d, ard, plow B0 stato PARTNERS WANTED. ARTNER WANTED-WITH FROM 83,000 TO 5,000 ‘or morg, to angage with it subscriber in a wholealo cigar manufacturing basiness: it can be oaally shows, U onan Intarview, thst an fadepoudent fortanacan be Bads here in Chicagoas quickiy 28 in any othor firat-siass un- dortaking, as the subscribor is woll scquaated with 5o sccrol. detally, snd has o most practigel knowlodgo of tho buineas. Addroas, for tivo dzpa D 3, Tribaso 0. 0 RENT_WITH OR WITHOUT BOARD, TWO woll-furnished rear zooms, looking on tho lako, fur- nace hoated, and nll modern Lnprovemonts. &7 Prairi B .‘u_ousumnm--z. - 0 fl'jl‘v,l\;‘l‘—]‘l:edTHE ?.:Y OR t:'EBé(. Bgo)‘s armished, cn site or soporately; Aro and gas. Rentlow, 811 Wabdsheav. i ARTNEKX WANTED—WITH 25000, IN A FIRST- ‘class manufacturing burinoss 17 18 tho first and ouly factory of the kiud in toe West. Fino storoand fastory all In ane building, ceatrally foci Side. fa great demand 4ud yield a splendid prof. This cso bo 800wn to how rare opportanity for s asiness man ty to eagago n a vory respactablo business. Thoadvertiror | isa ey PrAcilent mat, and has bean angagad in B e Seare. A drome, with roal ans, B 'ribuno office. 9, BENT_FANDSOMELY FURNISHED ROOME by tho day, woek, ormonth at the St. Julien, 151 and 183 Dearborn-at, Tranulent 81 per day. 0 RENT—ROOMS, FURNISHED OR_UNFUL- T e witi of withons s largs bass st 13 West al Taont, suitdblo for eny business. 'In Ticutost: Ll = o To RENT-NICELY FURNISHED, SMALL FRONT parlor and one front chamber, withent board, i quiet privato dweiling; price moderate. 514 Wabssbar, To ENT-NICELY FURNIBHED ROOMS AT 735 ‘Wabash-av. 0 RENT-. ELEGANTLY FURNISHED OOMS TO clabie’ pactita ouly; firos and, sttendanca; jn nmx'f; fauily, at 1089 Wabash-av,) abort Tweaty:thirdst, l)AILT WANTED—A PARTY WITH 80ME D e o e patmames, SHer FomToman o tutarvicw addrees R 44, Tribuso othice. Good thing. Addross for an intersiew T &, Tribuao oimcs. PP ARTNER WANTED_WITIL §1,0-TO MANUY P AR aa anticle m‘n}r&dh‘emqhflxfly. Busl- 00" por cont.” Addrees L35, ness o operation. Profits “Trib . AR’ WANTED WITHFROM §3.000T0 87,00 in anold established manulactoring basiness; goods 2rostaplo andwoll introduced. Address J. P. U., 163 WANTED---T0 RENT. = FARTED-TO RENT_A HOUSE ON ONE OF TR ero_hetweon Sixteenth and T ty- xmfi?"?&fim’ PR rEON HILL, G01 Wabasarey oF Rof Michigan-ar. : East Kinzlo-st. WANTED—ACTIVE OR SILENT, WITH 83,000 businosr, wanafacturing a combined scoop, o pulserizor, mixer, saucestrainer, aud flonr: ry family wants ono; L) can be_sold per days fits anda monopaly. 'Address G &, Tribuno ANTED-Tp RENT, BY GENTLEMAN AND e 57 Going ek Shder i 10 minaiee saf e httan Houss, i food focailty. | Torms must bo asonsbie. ou! . ‘and roquired. Vonit like to securo rooms of soms genteel family that ot appreciata tho socletyof g teompiished iady and s sl asughter or Taty flond to room with wifo aring my sbsenca occaslonally, two weekeata ime. Ad- Gros.stating terms and locativn, B 85, Tribuao ofico. BOARDING AND LODGING. West Sido. SEWING MACHINES. LL FIRST-CLASS SEWING MACHINES EOLD un ezsy payments, and sswing dolfsered to buyorsat Bomo if dsstrod. d P, EKSTRON, 110 Milwenkeoar, OR BALE—A GROV FR & BAKFR OR SINGER family machine, in ccmplete ordar, for $25.00. I8 ¥ast Indianaat., noar Rush. (GROVER & BARERS SEWING MACHINES- T Gonernl Oifice, 150 Stato-st., Branch O.fico, 97 Wa- bnsh-av. Porscns baving old Grover & Baker sewing ma- chbines aro invited to call and seo the now improvements and hoar something to thotr advantage. HUBBARD-ST., NEAR THE CORNER OF | QIKGER SEWING MACHINE ICES OF J. N. Dorplaines—5 or 6 bonrders can_be accommodated ; WILKINS, 2 Scuth Desplatng 05 Twonty. 30 oo S o brperl g prazempetti: | WILESE Sihod ooy, B8, Totpi rooms, 86. : Tmonthly payments, and work £1ven when roquired.. + WEST ADAMSST. —PERSONS WANTING board can bo accrmmodated with pleasant rooms; first-class tablo; private family. g G71 ULION.ST-CENTLENAK ASD WIFT: OR% single contlemen can find comfortablo rooms snd Board, with all’ privilogos of Homo ia small American famlly, Terms roasonable. EIGHBORHOOD BANGAMON-ST.—A BMALL ‘private family would be plessed to board a couplo of Teeponsible familics; must bo small, gentcel, and firat- class; housa modern built, and ccataias all modern im- provementa; location, furnishings, and table are all first- Citsa; torms reasonablo. Addrost’s, cazo Carrier i, South Side. s 4 3 HUBBARD COURT_NEW BOARDING-HOUSE: first-class , with room, 85 to 36 per woek, it uso of piana; day board, §i. 4 SQUTHDEARBORN (BURRSIDE) ST, NEAR D) Twentyoninth A nicey choertal, famliy hotel rpris w pricos: o, and aversthing Arat-clas, with homs comforte. . Single oot 6. E WABASH-AV.—A DESIRABLE _ALCOVE D06 rovm connesiad with bash room, hot 2ad cold wa- ter; also room suitable for two gonts, sud one ringle room, with board. ith 9‘9 WABABH.AV.—A DESIRABLE FRONT 7 room to rent with boa: on first floor, room gafuraiahod except carpat. Table bosrdars sccimma- ated. 1] TE-ST, SOUTH SIDE HOUSE, NEAR 1121 F5 Tiedint s, with St ‘class tiotel boas 5 por week. AGENTS WANTED. -85 TO 810 PER MONTH— AT I 50 S O ROV ED COMMON BENSE FAMILY BEW- machine will ind, braid, and embroider In'a most superior ) meed and warrantod It rakes th can be cut, and stiil ths cloth cannot by ‘We pay sgents from 835 than ours, second stitch palied apart withont tearing it. mPfl per month and expenses, or & commisslion from ‘twico that amoant cin be made. Address whleh Belco LAt K00 COMB & CO' Chicago, TIL. GENTS WANTED-GOOD CANVASSERS ARR aiing S10 50 813 & dag with my goods. ' Every aztf- Bo 1 Sand staple aa Hour. Bamples fros. Go 3. LININGTON, % Wost Monroe-st., Chiczgo. GESTS WANTED — PROFITABLE EMPLOY- ‘QINGER OFFICE 213 5S0UTH HALSTED.ST.—3{A- chinus sold on casy monthly pasments, To- [Rlsod." Needics and Sl twlst on haad. “Upea evon Y GINGER, SEWING | MACHIVE OFFICES ™ OF NICHOLS & PEARSON, 14l Scuth Halgted'st. and 131 North Clark-st., corner 0410, mzchines rold or rentud on mymmnnlhb payments and sewlng given. Machinos rop! VWHEELER = WILSON SEWING ~SACHISES, tho sew improved sold or rentod on exay”montbly payments. BURNHAM & FLANNERY, City Agenats, main ofico 38 West Madison.st ~ branchi %0 Wabash-av FINANCIAL. S A B e NSRS YRES & ROFF, 1l METHODIST CRURCH BLOCK, have money in_baod to loan, in sums 0 aad 6,000, on Chicago real nl‘kfi'fir’ yoars. JONI TO LOAN-ON CHICAGO REAL ESTAT! MO RIS AN A R s Bolding. < HORT LOANS ON SIORTOAGE, NOTES, LEASE- hold lats, and collaterals. L. H. CARSW. Room @, Exchange Butldio, corer Clark sad Washinglon-ata. TOAN—8100,000 ON CITY REAL ETTATE, AT9 T4 ll)x_re_rio(::nt‘.. Funds inhand. J, H. BISSELL, flBr]ln_r lock. NTED_. TED CLATSS TN ALL BANK- WY A e 23 . [N b AR WOOD, &1 Bxchange Ballding, cor. Olark and Washiogtoa-sts. 310.000 AT Buampiten, Caumr, 10y 10r3 2110 per cent tatereat, and 8100 Commlsalon. THbun offen. MISORLLANEOUS. SK YOUR NEWSDEALERFOR **THE MATRI- ) monial Kews. ‘estern News Co., General Agenis MATRIMONIAL NEWS CO., Box &7, Chicago. JOUNTAIN COLONY, COLORADO SPRINGS, st call ua mo tomorrow for thoir certin: i, ax] shall o wbsents weok. J. E. AMBEOSE, Rgeat, Kuhoe' Baropesn Hotel. W SR o e a7 of 8 good o - Aot THE SINGER MANUFACTURING CO., Ssn Franctsco., Cal. VWANTED @0 CANVARSERS_TERMS LIBERAL "l[ll:: 1y to Remingtoa Sewing Machino Co., 143 Sorth el omare ot Toa o] Baporas Bockers Aat. colebraed fmpraved Backeso Shat- T Euwing Machino, . Baitch alike 0a both tides, 1t il PERSONAL, i i, i e e | PR o D 2 v . tak 7 S e B BT ‘Fatn g relog, for wEich 350 wil be pald 224 50 Louis, Mo. tions asked. 5. xGi‘:"l‘S WASTED—TOR SUNDAY HALF-HOURS )" with the grest preachors. ‘The bes f th groatest Iy and dead preachers of the world, and of all dmnmlnl‘dfln:i‘hm'l:;tfl P!l:‘l. belx!fl?ll'y ll;m:nd RGN E Coly Room @, o, corer Sudtio 'GENTS WANTED_THAT CAN MAKRE MONEY A7 themsolzes and e, Articics o] azd pay well. A M. RICHARDSON, 1i0) South Halsted-st. REONAL_IF WILLTIAM H. LODGE WILL OALL P ‘scnd his addres to L. L. LUDINGTO! }xtw"fi“wu“ ohest.o ho will Boar of scmething to his ntorcst. OR_SALE~ENGINE AND FIRE-BOX EOILER, 12 horsa pewcr : 1a good coadition, and 07 salo cheap. Inqaire at 133 Michlsan-a7. TVASIED-A Go0b GIRL 70 DO cOOKING, ‘washing, and Irning. Inquire at 1188 Michigan: ar-, or Tremost House. SITUATIONS WANTED--MALE. Bookkeopers. Clorks, &o. QIUATION WANTED-T0 CLERK IN A HOTEL; ing 2 straoger will dopoait modcy n bani H 15. Wages, 810 par month - Address & M, Post Ofhe TTOATION WANTED BY A YO MAN OF exporience, as entry, Lil, o el rocommanded: Addross & 55, Trivune oioer ITUATION WARTED_BY A YOUNG MAN WHO has had liroifed axporicnoe, 13 the fardwaro businoss Kddrom G. K. &Y., Room % 153 Woet Madluon-st. TTUATION WASRTED_IN A WHOLESALT hauss, by an experienced bookkpepor who fa thor onghiy rocommended. - Addross Post Ofico Box 5. Trados, SITUATION WANTED-PRINTING~1 WANT EM, plovment in 2 beok or n=wanapor ollco, eltherat case making up, or reading proof; understand_jobhlog and roeswork, and am thorvaghly roliable. BEN. FRANK. LN, Post Onice. B ——— SITUATIONS WANTED--FEMALE Miscellancous. ITUATION WANTED-FOR A YOUNG LADY, AS cashier, copyist, or assistant bookkeeper; wrilesa Slondid busigort Baud. wnd {a 2ccarate aag. qufeks ctn wuaraotre satisfaction; reforences, former em) ors (o e Ao 5 Foems e BUSINESS CHANCES. A STOCK OF eiLun (INVOICE PRICK) WrHIL- £ solcated gold and platod jowolry, watches, ote.) wh) business catsblished, lo a thriving ‘town noar Cifcago il o sold low for ciah or exchanged for oty o sn/iurbay landa at cash prices, B. F. CLARKE & 0O0., Roomt Oriental Building, No. 13 LaSalls-st. [ A GOQD STOCK OF TATs, GAPS, AND FIns will bo given in oxchangd for Feal cstate {n thk itss or sold ehewp for cash.” Inqulro of B. WRIGHT 4 CO., 163 East Kinxis-at, FIRST.OLASS PUBLISHING ANp FICTURHE businese, establishod 8 years, for saM low. Reasor 10 fsave town. ApY at onca st U for selliog, { hata Faltonst., Chicago. Bo%k Aoy e T 5 o st ity Fensons Gl heatth Ad drow WISTERN NEWS CO, RESH STOCK OF GROCERIES FOR BALE AT A bargain, in a desirable )?\-EIOB llulhbarhuod and businces pofnt on tha West Side Hont low. WHIPPLE & MOWHORTER, 61 South Jesplaines-st. OPEQF THE BEST, PIYING GROCYRY STORES trad Fing loeation, first-class fhe West Side, forsale. F! "and makiag meng, Terms cash. 113 Weat Lako-st. BALR, ASF., BTOCK, AND %a "Arcacr.av., corner of Mainat. ' JNO.. ALOON fixtureg, GRIFFIN, F'BE TWELF:H-ST. EXCHANGE, FOR_SALE, OF will tako » partoer on acconnt of ill-health, Inquirc 8t 74 East Twolith-st., corner Wabash-ar. ulé‘ WHCLE OR WALF OF FIRST.OLASS DIY. ag-room azd rampio-room, Tow ¢ aess, To: ale. Ag?mnm.usswi'!fl‘ 16 Hzations st., Jtooma Yand X £()() WL BOY ATALFINTEREST IN A WELL, establishod cash business paying that smount T16 Fase Washington-stes Room 3. monihly. HORSES AND CARRIAGES. UCTION TO.MORTOW AT 10 0'CLOCK, % HEAD o P ra e L b b haree Ut ok, 3 our Rzt 1 aoid. No b o E,‘.,n‘:vi %mf Wost Tmolitnet, W A- RUSBELL. A :ioi?sn FOR SALE—A NICE BUSINESS HOLSE, ears old, for 875, at 747 West. Madison-st. FoR sATE—Tw Dl'l'an-cAwrs, WITH HARNESS, a Lal anifabio fox soa) Tatlrord. QVERNAERT CH0BS BRPOT. Noer 106 Sa8 19F Hni TRORG STONETRUCKS, ako-at. the bost o) b OV ER N DEPOT, 155 nnd 137 fast Lake-aty Chilcao.~ » UOULH e, . surringlos, Fuba, tanta, truck covorm, elo. GOVERNMENT GOODS DERGR. 163 Eeat Lakoat. . ‘VE HAVE ON IIAND 10 SQUARE BOX PLEAS- ‘aro or burtarss cottors, which wo will soll at cost o trado for Horsca, bapgics, harom, or aby kind of mate- risl used in manafact) s 8180 have ou fiand A Iargo aasortinont cf top ABQ opon buggies, busls b Tesa. wegoih, ono, aad Lwo sontod, whlch we Wil sl 8t g2yt mduced prices. FLETCIER, LAZEAR & CHE- LOST AND FOUND, OST-SEALSKIN GLOVE. THE FINDER WILT, Do fiborally rewarded by leating it atS. ft. PHILLEN & SON'S, 414 Wabauhear. OST_BETWEEN JACKSONST., CORNER 03 L falstod, aad Bonroe Sircet Methadiat Church, yese tonday atioraoon, an cmbroliord scarf, with Elso cen fro. " Plosss rotirn to CASIIER, Contral Hotel, Mar et FiSlJ'ND—A RED_IMARE BY MR, FRIEND, AND loftat J, R. MOSART" L0 West Water-st. Ownos can bare the same by paying costs. TRAYRD. 4 NORTH HALSTED.g on Saturday, Jan. 11, a bleck horze: had on ba! od two blanknix. 04 finder will bo [{barally rewarded \iy‘mm_ugg’vgfgm'\'ru_z'gn'rs N, abov. §] () BEWARD WILL BE PATD YOR THE x5 LU tarn of the papors that wots takea from store No. Weat Rapdolpli-st. on_tho might of Jan. 3. anl nu qaeations will buaskel. " Papens of no valas t9 agyn bt tho awaer, Seod thom to JL. STILR, Su Weat Juawr FOR SALE, JORSALE-CHEAP -OVERCOATS, DRESSCOATS. ta, Ja er clot] boots and si ats, T 5 GOVERNMENT GOODS DEFOL, 18 Hart Lakant. OR BALE—CHEAP—%0 BLACKSMITII ANVILE, Ba per ponnd ; lot of bullding troz, anchars, stirraus. e¢; alsa, lovof fron and steel . & wheel 10 watch, saitable for @ trucks, wag ghris, &, jalso portablaforges on whels, GOVELL 4 D 1% Fant Lo MENT G0D4 DEPUT, OR BALE-WOOLLEN HORSE CHECK DLANK- ets, rubber horss-blankots, noss bags, Lurso sliags. Pure port wino for medicinal Elflrpfln!—m‘n or beast—ia gaanis, 38 por dozon. GOVERRMENT GOoDS DE- 0T, and 197 East Lake.st. OR SALE—THE RIGHT FOR COOK COUNTY, (/12 Liliols, of & valuable patent, a desideratam fa bulld- {eg, evosciilly Broproof, Atargain offered, 1s guuce b more tarcitary than he can Randlo, Address 3. A GARVEY, Bt. Louls, Mo. S. 1. NARRIS TATENT. IN h, Apply at 34 North LaSall 8 OR SALE—A SAF] good order, for 385 BALE_AN ENGLISH SETTE @, of porfect heaith and condition, ‘of guod proporzions, xnd can be bad st offc: TO EXCHAKGE, ” 1[0 EXCHANGE AN DAPROVED FARM &3 MILES and m Chicago for city propurty. = Also fs g S e EL AR 208 s [ ANTED—T0 FXCH casl fur mer - NGE_A_ FIRST-CLASS lamber, Call or 4 “7‘ ED_TO EN well-bred horso that bas t piano.Addeoss L, Tribune offico. VWARIEDTO ~EXCHANGE FOR TNE: bered Chicago properiy, one of the finest frflt farns of % acres in 5t. Josoph, Mich. Vers desirzbly pe 7% for surmer rosldonce. For further ifarmation anpis tv HOFEMAN. Box 231, S'. Jmeph, Sich. e ny ey of Bosta, sl i spresds or 34 0 EENT AND FOR SALE, PIANOS AND m;TJ deony; rating. tpaclatiy. " Latablis . PROSURR. (08 Watath L., sear Thies D . ES. ;s TVORCES LEG. AINED. FEE AVTER esear’ practics in tuw or 1k A DIVORCE, NG FE N “obtatn=d for. eayss npun addres: Room 3, 0. 317 Svath Cl ORCES LEGALLY juitabls terma. Call © rk-st, Eaclos stamp,