Chicago Daily Tribune Newspaper, April 18, 1875, Page 5

S e - ¥HE CHICAGO TRIBUN. —_—— 900,000, and have 8n income not exocesding $200,~ | will be exhibited at the approsching Centennfal @0. Tho only mysterions and dsheartoning gesture of the grand scheme is that the namo of . the prespective donor hag not thus far been divalgsd. Dr. Erxesis the ooe medium be- tween the Upknown aud the outside world. He jabursting, to bosare, with generons confidences, 2nd geams to have 0o more doubt of the future of the free college than he has of his own ex- jetence. Dut there is, after all, » harsh, nucom- fortsble balance of probabilities to be taken into the account ; and when we remember that Mr. Liux retreated after ’his name had gone before the public and his deed of trust ‘became a matter of record, it is difficlt to give uslimited credit to » pleasing Incoguito. % One thing was clearly developed by the ad- gressee delivered before the Lew Memortal Asso- istion in Baltimoré last weok, viz.: the historic {uth of the statement that Ger. Lex was very -peloctant to engege ip the Rebellion. Mr. 8, A, . WALLACE, crator of the evening, read {rom an nopablished and prisate letter wiitten by Gen. Lxx in Jannary, 1861, & passage in which the fol- owing language oCCUIS ¢ ¥ 1M the g‘nl?n 18 db:’olrad I lhfil m{o ‘share the fortune of m pec] u t sty efalls the conma T nope all honofabls of maintaining the Constitation and the equal of the pecple will be first exhaus Jodher o must ot allow Maryland o bo tacked on to Souts Carolina before the just demands of the Sonth §io% Lecn fairly presented to the North and rejected. Then f {he righis guarsufeed by the’ Conatftution are Zemied s, and the citizens of one portion of the coun~ oy are granted privileges not extended to the other, s ca, with & clear, consclence, separata, Burcss, the man, is said by the Springfield Brepublivan to be a great improvement over But- Lsx, tuo politician. He volunteered last month 0 act 18 counsel for two orpban girls whoss uncle was tryiog to defraud them of property left by their futher. The trial, which it was {bonght would oocupy but a day or twa, lasted five weets, and BUTLER stood it ont like a man. ‘Hemade a very strong epeech to the jury, too. Tpe presumption is, though the Republican does 20t dwell on this polnt, that the General charged auly regularrates for his services, when, as the gt were crphaos, bo might hate doubled up on’em. Hence his magnanimity. The new interest in spelling-matches has wapread aver large part of the Union, and even reached to San Francisco, bat it has made no -headway at all in the Bonthern Btates. The peqple there regard it as a Yankee invention, and on that account low and vulgar, if not pér- pinous. Besides, good spelling is not a fine art st the South. The lingering spirit of feudalism sl preserves its contempt for learngd clerks, zosses itself, and thanks God it is not versed in black-letter. ) The axt of nursing is being elevated. The sverage pay of monthly nurses in New York is said by an intelligent correspondent to bs €50, sod sometimes more. Male nurses demand from $35 to $40 per week, and there aro nurses in the sity who receive $10 per dsy. 5ot is a favored eaesafterall. No creature in this world makes Jeas seconnt of money than the New York miil- )dnaive when the shadow of death is hanging ez him. PERSONAL, The Hex. Hoxacz MavARD has started with Bis wife far Constantinople. An sstronomer is to scoompsny the Black N> Rxpedition. Eh? No. 4«3 ssuder Outswam,” is the Herald's way of *:lating syntax snd defaming the respectable 3sed of antiquity, - The Pc! sde.hia hackmsn hss not bsen for- c »bi gxmeral scramble. The Centen- i ug% Sre o mile apart. izEL Craawy, of. Lowell, Masa., the inventor ot taking-rowder, is desd. When bhoe rises -ags‘u it wiil be by a new process. Y:zm Vrcw, of Scotch Plsins, N. J., set an example to all good husbands. He put his purse «on the table and committed suicide. Sixty Boston policemen will keep the peace be- skweep Brxrg Waupo EmxzsoN and GEoEGR *Wirrzsx Coezss at the Conoord Centennial. s ** Jows GROMLEY,™ of the Inler-Ocean, really he Wandering Jew? The reckless way in which ‘be remsmbers old actors smacks of “ immortality of L™ Isaprrra ezd Jawx McGER, of Danbury, Vi, have bosn living in abject poverty for nine years, wnd have $3,300 in the bsnk. Danbury nsede ol A mro psmed Warson Wirues has been try- Reg t0 pa98 hursalf off a8 GroroE WILKXS. No szonder the jury rendered a verdict of “tempos Zary inssnity.” Privaio DALzELY bas kindly selscted an honest waploymerz, He is s tombstone agent, and may e choose * beavy ane for himself, * present Wwe ™ preferred. “Who was thst wretch who desoribed the M- ado as * tall for & Jap, with a lip en him like & ehovel-nosed ahark »? Send him to Broaklyn ; #'s tizs for anew deal Eauixata wanis s brass band. There's an oegan-grinder comes around Tax TaysusE office on fise evenings who wants a situation. Bring *an togother, somebody. 1If anv oge of the numarons authars of * Deau- “wifal Bnow™ will pay a visit to this office, wo sbali taks grest pleasure in terminating his or her satscrable existence.— 0—b—h. » The Adventists may be right after all. The 'weather of yesterdsy was epongh to make ono Soar that the world Is on the ragged adgeof #cothar glacial epoch.—O0—b—k. : The *fiéuters™ found in the Chicago River ‘every spring are not Milwaukeeans.® They are . Bt Lomssus ‘who have mistaken our river for their native mad, and found it too thin.’ A young person found his way into the New ¥ork Grand Opera-House the other pight, dar- fog the pérformanco of * Ahmed," without a tiskst. Mother and child doing well, thank vou. Lynch Iaw, now so powerful a pungzativein Missonyi and Towa, was discovered by (CHABLES Yxscn, of Virginia, who gave his name to the Cityof iynciborg. Westward the star of em- Bire, sto It foreally » question whether * poor, dear 8fr. Zoronex's " reputation is by any means im- proved by the lengusge of his defendersr the Brooklyn Eagle, New York Sar, sod Bochester Demoerat, The papers don’t give his name, but he wna 3 Connecticut clerpyman. His fault was ungoe - concern about things terrestrial, which led Iim _ + % sstach the parsonage and church to secure his sslary, Asrocious villsin | *"Who ssys the Brecmre trial is an usmixed affichon? A Chicago type-fourdry has just re- cived orders from & Deighboring city for *two Pousds hrevier capital T°s aud4’s for TrzoDORE Trzox and Mra. MovrTox.” - - A Bostou child wonders whether Dax BoyaxT il sing *Shoo Fly " for the little angels. That kfaat's Sondsy-school training is defective. Doean’t it Jmow that the little angels do all the muging, while Dax has a proscenium box ? Ttis is the lsst Sundsy before Advent, and if Porres Parves is going to give away his hotel #ad throw his impudent waiters upon the mer- €ite of a cold and heartless world, bow can he Xpect to find any nse for his asoension robe? . Acate chinsmania: May—* Mamma! mam- sl don't go on like this, pray.” Mamma (who ~has smashed a favorite pot)—* What bave I got 0 live for?™, May—‘< Haven't you got me, manma?® samma— You, child! you're no fiu Thers are six of you—a complsio “ 8t Jobusbury, Vi, bis soquized s pleasing repriation lately, much improved by the sa- Boutoament that a young man named ALOXZo Laop, of chei town, has six parents, four of Dhem By marrisgs, sod nons of them leas than 80 , Feespold " pistols won by Masj. Prrcamxs at Lexing- %2, 34 trom cbe of whith the first shot of the Setalution wes fired, are in of the posssssion 1B Wincw 5} b efeoReen BY Gtk PEYRMR 09 Tell your |. oxercises st Lexington. They were given to Gen. PoTsax when he joined the army at Cam- bridge, and were used by him during the war. Mrs. Beeomeg, pey your taxes on that Florida ‘property or it will be sold for taxes. Goand gee abont it. Hxxnr's impaloment on the * Ithuriel's~ 8poar™ of cross-examination is not such a pretty sight that you should lose your zeal estats watohing him. The London Academy pays s foreign institn- tion the highest possible compliment in remark- ing that Mrs. BaxcrorT's performance in the second act of *8weethearts and Wives” is worthy of the Theatre Fraacais more than the stage of London. BrieEax Youxo has been re-elected Prophet, Beer, Revelator, and President of the Mormon Church, His little difficulties with his wives and his inability to take care of himself have not l.l‘xflun the faith of the Saints in his pu}vu to take care of them. . Mr. AzEX's new theatrical company includes the following Iadies and gentlemen: Epwm Browne, Fraxx Noves, E. H Breemevs, F. Dezeaxox, L. P. Hicks, E. Ravyes, Miss Josiz Cpocken, Miss Faxnre Maramis, and Miss ‘GENEVIEVE Howazp, Ths Marquis of Rrpox has been on & street parade, and actually condescended, in presence of the multitude, to * join withthe congregation in the adoration of the blessod sacrament.” Iu iaworth & conversion to get one's good doeds thus made public through' the civilized world. ‘The Israelites of Italy, long condemned to & quarter, are emancipated from the thralldom of the Church of Home, and are assgyting them- selves. During the present month the **Ghetti,” or lsraelitieh quarter of Taurin, is to' be pulled down and rebuilt without distinction. A qulet, peacestle gentioman in Philadelphis has recently given np business, sent his family into the country, and calmly announces his de- termination of devoting the remainder of his life to discovering the man who sent him & pav- ing-stone by express with 17 charges on it. A New Merxico editor, in s forgetfal moment !La other day, was so imprudent as to venture into his sanctum without having bis revolver with him. The Coroner’s jury returned a ver- dict of - “deliberate smcide” without leaving their seats.—New York Commercial Advertiser. The Brooklyn Argus has a suggestion, and as all suggestions from this source are worthv of at t respoctful attention, usten: It is that ax WiLEE50X'S blood-red night-shirt be hoisted o higher than s kite” when the trial is on, and Trutox's flag-of-truce vesiment be hung when hostilities are suspended. Arx TavB wrote to the English explorer, Lawanp: “Shall we say ‘Bebold, this star epinneth round that star, and this other atar with a tail cometh and goeth in 80 many years'? Letitgo! Ho from whose hand it came will direct and guide it.” Erx CoLszrr is understood to have a low opinion of ALl TADE. The French Government tried to drive & sharp bargain with 3f. D WaLDECE, by giving bim s life pension in exchange for some pic- tores. The old fellow was too sharp for them, and bas already, at the age of 108, arawn five times ss much as the pictures were worth, snd threatens to live as long sgain. The moral is patent. G. G, BexwerT, of ‘Washington, In., baving been tendered a farewell dinner by his aasociates acthe Bar, the ladies of the town pave Mrs. PBexKsTr a supper. Among, the toasts were thess: * Mankind—s bad lot ; but 3 necessary evil, from which we strive to evolve some good "; and ¢ The Family Baby—may its shadow never grow lesa.” MogaAx, the father of the Baltimore litfer of four, applied at the Patent-Office for a copyright for the photographs of the group. A Baltimore photographer had obtained s likeness of the four, and the injured father thought that if any- body shonld make money outof the event it waahe. Three of the children sre dedd.’ Mr. MoroAx is a very small man. Dr. Vexogs WEDDS, s noted chemist, has. been feasting his friends on jelly made from old boots, and coffee extracted from old shirta. Boiling the boots in soda gave the one ; satarai~ ing the linen in mitric acid gave grape sugmr, which when roasted tasted lixe coffee. Wonldn't lieit? Bosh! You've been eating and drink- ing it for yesrs, probably. Exactly as everybody kmew. Thoss Harvard ‘boys who were spelled down by the girls were pot representatives “of the* University. This is the way they feel about it: * Anytbing in. the Yankeo-show lne is very distastefal tomost Harvard men, and previous to the spelling mania We bad supposed ‘thst 5o invitation to become the puppets of the show would have been in- dignantly refused by every one.” Por the first time in twenty yewrs Arm. Troxpsox, of New York, scrubbed out the City Hgll. Twenty yoars 8go she married & ran who becams s millionsire, took the contract, beforo the War, to supply A. T. STEWART ‘merble for bis new residence, was ruined in trying to live up to it (when a alight sacrifice by the merchant-princa would have saved him), and died an jnsand psu- per, lesving his wifo {o resums the scrubbing business where she left off. ‘' A Jong account of & *¢ melgncholy occurrence” sppears in the Denver. (Col.) News. Tt com- mences: *Jomx E. Cmnmyas, a prominent lawyer, sn sstute politician, and withal an es- toomed citizen of Shelby, Bhelby Co., O., suicid- eod in this city, a$ the Inter-Ocegn Hotel, yester- day forenoon, by shooting himself through the bead with 3 pistol-ball,” and ends thus, “ Two nickels comprised the sum total of maney focod upon his person.” All the remainder of the {hree-quarters of & coldmn is superfluons. We might even snticipste tho verdict : ““Justifiable suicade.” Count Exzxwnrea, formerly resident Minister of Hesse at Paris, is & collector of autographs, and bas in his album three of unusual interest. The ffrst is of M. GuizoT, who writes: “In the course of my long life T have learned two wite thinge—one is to forgive much, the otheris Jever to forges.” ML THIZRS wrote underneath: « A Jittle of forgetfulness doesnot injure the sin- cerity of the forgiveness.” Prince Bramanox wrote be ew these two sentences the following: «]'bave lesrned in my life to forget much, and to raske myeelf much forgiven.” The London Athenaum has disinterred Enoazn Azzax Pok for & eoorcher. 3rs. Bnqwma‘l « Lady GERALDINE'S Courtahip,” published in fteined these lines t o w5 mm"fmmmm atr uncertain Ao the air the purple curtain§ and Pox's * Bavan,” which appeared in 1845, these : 4hesilken, A3d, nncartain énuldlflnel of each purple cartain, . And this is not all, for the Athenamm insista that many of PoE's poems were stolen from the easlier and fargotten fragments of TENNTEON. FOTER AERIVALS. Palmer William G, Bose, Cleveland; C, W, il Pomiresia: 5. Now BANKING AND INSURANCE. The, Capital That Flohts the Com- merce of C’.Iica‘-'o- Statiistics Indicating the FProgressive Development of the Mone- tary Interest. Tnteresting Ttems Touching the Matter.of Insurance. A Purtial List of Companies in Which Is Re- posed the Safety of the City. Titwe somewhat peculiar and unusual circum- stan.ces and conditions which sttended the inau- gursgtion of the mercantile business of the city for t/he pregent year have given occasion to al- most a superabundance of expressions in regard to t!he general prospect and outlook. The judg mort, experience, and foresight of old and promi- ‘nent merchants 1n evary division axd department of tirnde have been taxed for opinions and proba- biliiibs, and the prediction which was early re- cordied of a wide and common revival, and & re- ‘turm to prospenty, bas contirued to be repeated, muc b, po doubt, to the gratification of all classes of fihe community. The comparative business of s'pccessive years has been obtained from the best ‘local autherities, and abundant statistics preacifitod to indicate s perpetual ratio of satis- factory incresse fn .all departments of trafte. It mignt, perhaps at the “present tima, obviate the danger of monotony, and snsv er public curiosity and interest, to present somo facts and figures indicating to the unfinan- il classes the progressive development of that gecretest, inwardest, and ‘most vital glement of trader: the d>partment of money,—the capi- tal that sustaios and flosts the commerce of the city and all the million. industries incillent to commercial life. There is prob- ably but a small propartion, even of the oommercial population of the city, who realize the {fact that there are now eogaged in mar.pulating s baoking capital of near €20,- 000,000 (leaving ont foreign corporate ‘banks), not less than sixty-iwo National, State char- téred commercial, Bavings, and private banks, the total amount of all kinds of deposits in all bau'ks doing business in the city reacking little. shatt of §50,000,000. And some conception of the atio of incresse may be formed from the faot that, in 1865, there wero less than one- thid the present pumber of banke, with an ag- gregate gupital of *about §8,500,000, with con- sidbrably less than one-third of the present ag- grigate of deposits. The incresse in the cap- 90" (and surplus) of the National Banks of thy city during the past two years: has “been upwards of $L500,0(0. But large acd interesting as thess izures appear, th gy are small in comparison with the estimates of ‘capital manipulated by the insurance com- pamies doing business in’ Chicago,—the capital {hat constitutes the main protection oftho city agjainst the perils of fire, The total capital of tiiese 150 compaoies s given in round numbers at §50,000,000, with' asseta supppsed to consti- tute an equivalent at £124,000.000, with a total 4 ncome for the year 1874 of £66,302.817, and ex- penaituses of 52,692,747, 8s indicated’ by_the jooks of the Auditor, the fire risks oitten in this State during the same year amonnting to $380,527,262. In sddition 1o thess two great departmenta. the oapital rep- resopted by the fifty-ono life-insurance com- panies agthorized to do business bere furnishes 2n additionsl total.of £8,714.400, with total avail able assets of £391,073,231. The cash capital of thesa different compauies, respectively, ranges from £16,000,—tho capital of tho Phanix Mu- tusl of Hartford, and 825,500, the capital of the Berksbire of Pittafield, Maes., to the splendid exbibit of $1,000,000, which appears in the statement of the National Life of the United States of America, a localized Clicago company, now included'smong the greht monetary instivu- tions of the country, the loan depa:tment of tha business of which now amounts to 81,000,000 & year. 3 i, FIRE INSURANCE. ‘While there is perhaps no system of principles incorporated in the commerce of every city that affords s more interesting study to thinking busi- noss-menthsn the theory of fire insurance, thore is nothing in commerce that more eeriously af- fects the interosts of the uninformed, as well as of the intelligent ciasses of the community, than the mora! and financial character of those com-. panies and sgencies whoso relation to the ocommaunity is the protection of property. Accordingly, all local questions, jealousie®§ projudices, and consideraiivng for- eign to the matter of resl protection, are lost. A commercisl rivalry between cities may rise tc great carncstness and violenco without prejo- dicing the interchange between the two of the benefiis incident to bonest and relizble inpur- ance. Thus the conflict of mercantile interests botween St. Louis and Chicago hes been found by experiment to be without bearing upon the interests of insursnce ; and when three of the oldest companios of the former city wers intro- duced before this * community two yesrs sgo, through the sgency of an old citizen of that place, Mr. L. 3L Pottle, the patronago then snd since extonded to the agency- indicated the siriple and singlo consideration of indemnity, upaffected by the jocal gentiment of rivalry applicable to the or- dinary dopartments of commerco. The patron- age of local companies, too, is measured, not by personal association and the 1efluence of pres- eace, but by the publio faith in the intogrity, strength, ond character of the company. Peo- le do not care by whom they aro protected a0 ey are sure of protection. There i perhaps no safer genoral guidance for a eommaupity forming an estimate of the commercial character of the insurance com- peoies supposed to protect its interests than an intelligont etudy of the swern statementa of those companies, notwithetanding the figares contained in them have been sometimes found to lie. Below will be found an abbreviation of state- ments, forming 2o incomplete list of reputable companies recognized bydbe well-informed ele- ment of the business community as worihy of ocontidence and patronego: L 3. LEWIS. Tho agencies of L J. Lewis, 116 and 118 La- Salle street, comprise the Atlas Insurance Com- any, of Hartford, Conan., the Buffalo German nsarance Compsns, of Buffalo, N. Y., and the Detroit Fireand Marine Inwurance Company. Though the youngest comrany that the old io- surance community of Hartford has placed bofore the country, being now in the second year of ita history, the statement of the Atlss Insuranco Company exbibits. &8 th result of its business, and its general plsn of insurante mabagement, s cash nrplos of §800,042.19, the cash capital being $200,000. The assets of £500,042.19 in- clude 1,095 shates Nationsl Bank stock ; cash in bank, $70.357.42; cash_in course of collection from sgets, $61,9IL77, United States bonds, Jozns on mortgage of real estate. and on stock eou.u:eml:. Etxlé‘amznd city bonds, eto. A rather markable exhi re‘I‘he Buffalo German, with & cash capital of £900,000, ehows cash surplos of £355,033.46, with assets of £555,933 46. including United Hiates bonds, 8206,120; cash on_hand and in banks, §111,897.98; call losns, 823,050; Xtoa TInsurance Oompany stock, $10,000;, Lake Shore & Michigsn Southern Baiirond bonds. $23,600 5 city bonds agd interest, $28,603.50, and other gimilar Mm&? Tiabilities, $9,857.87; reinsur- snce fuod, $110,884.58. ¥'Tho Detroit Firo and Marine Insurance Com- organized in 1865, .ehows 2 subscribed Depital of 350,000 ; caah copital, 3150,000 3 surplus, $245,116.07. The scsets (abave Jiabilities of §$4,851.41) are $390,261.63, ing cash on hend and in “bank $51.2 tl United Statea bonds, $64,330 ; bills recaivable, $18,956.55 ;. mortgages on firat-olass city psr&)- :;t‘i- “worth doabls the amount loaned, $241,850; other iteme. * ST. LOULS AGENCIES—). L. POTTLE. TThe sgencies of AL I. Pottls, 152 LaSalle stroet, Consist of tho three oldost companies F the Cily of St. Louis, said to represent & con- giderable proportion of the insursuce gplml and stren, of that place, the Citizeds', the Franklin, and_the St. Louis lnsuranco Com- E-nien, all of St. Louis. The Franklin, organ- ed in 1665, pressnte® ‘statement which shows : cash nfl‘ul, of €200,000, with cesh amsels of ; banks, $189,100 3 S e AN T rornreucs 1o : SUNDAY, "APRIL 18, 1875.—SIXTEEN _PAGES. . serve, $47,663.46 ; bonds ‘sud stocks owned by | Josurance Company, of Mempbis, Tenn., -1 Tzed in 1865, cash sssets o $100,000, one of Company, market valne, $50,823.55, etc. The thirty-eighth annual statemont of the St. Lonuis shows a cush capital of §240,000, with cash assets to the amount of 8820,59.22, comprising bonds and stocks owned by the Compeny, 750: cash on hand and in back, $34,155.39 5 and other items. Nei surplus over all liabilities, | 818.727.51 ; netsurplus as regards policy-holders, $258,727.51, The Citizens', organized also in 1887, shows.a cash ecapital of £200,000, with cash assets of $449,999.78, an item of which is cash on haod and in bank £40,821.53. The pet surplue of the Citizens’ over all lisbilities is $123,803.87. THE TRADERS OF GHICAGO, The statement of the Tiaders' Insurance Com- pany, of Chicsgo, 25 and 27 Chamber of Com- maerce, exhibita s cagh capital of $500,000, and a surplus of over $250,000, & characteristio and diatingoishing feature of the assete.of the Com- pany, which amount to somethiog over 8760,000 being their ‘cash character. The entire capital of 2500,000 is invested in regiaterad bonds of the United States. The officers of the Traders’ are §. A. Kent, President ; E. C. Rannay, Vice-Pres- ident ; R. J. Smith, Becretary. As a feature of the business of this office should Le mentioned the agency department compnsing the Rhode Telsnd Insurance Association of Providence, R. L, (composed of five prominent Rhode Island com- pontes), essets, $1.544,055.14; the Union In- surance Company ot Galveston, Tex., re-insured by two other [Téxas companies, with combined zagets of 8736,328.26 ; tho Hope Insurance Com- peny of New Orloans, La., nssets, 823.2000. The combined indemnity afforded by the Traders’ in conjunction with the agenoy appears:from tha several statements to_sggragate, capital and as- sets, something over $3,500,000. THE ALLEMANNIA OF PITTSDURG. The last statement of the Allemannia Fire In- surancs Compsany of Pittsburg, Pa. (Hopkins & McEnight, Managers. 147 LaSalle street), indi- cates & paid-np cavital stock of $200,000, with a surplus over all hsvilities of $271,658.72, a band- some feature of the asssts, which amount to 8479,677.84, being the item of cash deposits in Yittsburg baoks, ©33,105.99. The.Insurance Commissioners of Kentucky, Ohio, snd New York, in their recent examinations, report only firet liens and perfect titles in their investments, estimating the real ecstate morigages af least double in value the amount loaned by the Com- pany, $305,853.59. The other itema in the as- Bats areof a cash character. THE MILWAUKEY MEOHANICS' The Milwaukee Mechanics’ Mutual Insurance Company, represented in Chiesgo by Mr. J. B. Belohradiky, 141 LuSalle treet, one of the old- ‘est of Western insurance organizatioos, shows, Jan. 1, 1875, pet assets $671,491.93, with in- vestmenta in U. 8. bonda, $218,897.95 ; Milwaa- kee water bonds, 860,000, etc.; eash in baok, £44,600,69,—the total cash assets being §375.- 011,28, being aa increage of about $60.000 ovep tiat of last year; losses of the Company in twenty-five years, $536,680.66, & 433.79 receipts 1 cash preminms, the proflts be- ing ased exclusively to increass accumulations. THE PAIRFIELD FILE, Tho January statement of the Fairfield Fire Tosurance Company, of Bouth Norwalk, Conn., indicates o cash surplus of $136,112.78 overa cash capital of $2060,000. Tne asseta of 8336,- 112.78 includo cash in bank, $36,400.94; cash i ofice, 88,071.78 ; other cash items and lodns on bond and mortgage,—tripio secarity,—$163,200. The agen: of the Fairfield in Chicazo, Mr. Jef- ferson Farmer, is smong our oldest under- writers, and 18 also wel known in coonection with the department of Marine Iosurance. > JAMDS B. FLOYD. g The agencies of James B. Floyd, No. 168 La~ Balle street, for tho past tweive years an under— writer in Chicago, and known io connection with the Undermiters’ Agency, of New York, com- prises tha Underwriters' Agency,—composed of the Germanin and Hanover Fire Idsurance Com- panies, of Now York,—with cash assets, April 1, 1875, of over $8,000,000, and the Guarsuty Fire Insurance Qompany, of New York, organized April, 1875, with » capital of $200,000. This new Company (the Guaranty, of New Yorx) is owned, oficered, aiid maneged entirely* by old underwriters of that aty, and enters tho Chicago tield under favorable suspices, and with the gen- eral welcome of tho msurauce fraternity. The Compeny do mot propose to engage at all in the extra-hazerdous class of business. THE HUDSON OF JEESEY CITY. ° The statement of the Hadsoa Insuranes Co., of Jersey City. N. J. (Oakiey -B. Pellet, manager, No. 90 LaSalle street), which, thoagh among the more tecent agencies in tho West, has done busi- ness uointerruptediy in New Jersey and Eastarn fields during & period of thirty-three years, shows a cash capital of £200,000, with a sufplus of $99,723.86, with 3 of a high character amonnting to $303,381.08, inclading large cash doposits. The lisbilities ave but $3,502.22, leav- ing total net assets of $299,728.86. THE QUEEX FIBE IXSURANCE COMPANY OF LIVER- POOL AND LONDON. OF the grest foreign insurance companies do- ing business in Chicago, the Queen Fire Insur- ance Company of Liverpool and London, repre- sented in New York William H. Ross, sud in Chicago by James L. Ross. 162 -LaSalle street, exhibits a capital of £2,000,000 sterling, or $10,- ainst 81,68~ | 000,000 in gold, with cash deposits in the United States amounting to $1,145,729. The Chicago agency of this famous Company was established by Mr. Ross 1n 1860. THE FEANKLIN GF WEEELING. The last statement of the Franklin, of Wheel- ing, W. Va., T. P. Pmuim agent, 143 Lasalle streot, indicates & surplus. as regards policy- bolders, of £178,229.04, ana & net surpius over all lisbilities of &28,229.04. ' The assets of 340,- 124.59,- -which are regarded in financial circles a8 of a high class, the banis snd such monetary institations as the Natiopa! Lifs, U. 8. A, Con- necticat Life, etc., secepting its policies as col- lateral on their loans,—include United Btaies bonds /merket vslne), $120,000 ; cash on hand and in bank, $16,962.54, and other cash itoms. FEED P. FISHER. The corzpanies inoluded in the agency of Fred P. Fisher, ~o. 164 LaSalle s:reet, are the Rhodo Island Insurance Association. (represeating a proportion of tha' insurance cfl&%fll considerab. of Providerce. B. L), cash_capital, $1,000, combined nssets, 1,544,055.14. The Oswego and Opon@.:¢ Insurance Company, of Phanmix, " N. Y. casl: :sats, $200,000. "And the Star Fire many of New York ; assets, main- 1y of a casl: character, $400,000,—aggrozatiog & contbined w'smnity of §2.500,000. .3r. Fisber's experienco 88 ao underwsiter in Ohicago om- braces a pvriod of fifteen years. EDWARD M. TPALL. .Tio as.icies of Edward M. Teall, No. 164 LaSalle :weet,—an old underwriter, and connected with the business in Chicago for upwirds of sixteen years,—comprse the Westcheater Insurance Company of New York, organized thirty-eight years 250, with present aisets amonnting to 800,000, including $400,000 in United Btates registered bonds; and the St Ficholas, of New York, organized 1852, with assets of 8325,000. Though formerly Vice- President of the ard of Underwriters, Mr. Toall's circular, recently addressed to the com- munity, annonnces his withdrawal. & H. BOUTHWICK. The agency of S. H. Southwick, No. 168 La- Salle otroet, comprises ths Union Mutaal, of Philadelphia {purely stock), organized at the beginning of the present century, being now in the sevents-first year of its uninterrupted basi- ness history, with cash assets of §287,632.15, ita recard indicating an item of 10,000,000 in paid Sosses : the Famo Fire, of Philadelphin, another very old organization, capital £200,000, with as- sets of the first cjass $284,874.82; the Farmers' & Drovers’, of Louisvilie, Ky., paid-up capital $290,000, with -assets 1n tho form of "bank de- posits, 10878 on double Eecuntiss, etc.. $234,- 700.87; tho Ne&’Jersey Fire, Marine & Inland Insurance Company, of Camden, N.J. (firoin- suraoce only), with an sushorized capital of 500,000,~caah assets, $234,803.98. The books of the ngency, whule showing a large busincss, indicate a carefal avoidsnce of the speoially- perilous districts. 3r. Southwick is not a mom- ber of - the Board of Underwriters, being the first to retire from that organization. - W. H. QUSNINGEAX CO. The agencies of W. H..Cunningham & Co., No. 175 LaBalle streot, corner Monroe, compriso the American Fire Insurance .Company of Phil- adelphin, & compnny organized in 1810, and do- ing an uninterrupted business since the days of our grandfathers, with assets now amounting to $1,250,000; tue Fire Association of Philadel- phis, which dates ita history back to the year 182), and whose last statement exhibits assets to the amount of $3,000,000; the Insurance Company of the State of Pennsylvania, another Philadelphia institution which began its cazeer several years before the beginning of the pres- ent century, the date of organization bemg the year 1794, with present assets of $600,000 ; the ing Fire Insurance Compsny, of Reading, mgglzed in 1887, h‘l hfl"lé&samnl show- ing ssseta m the sum of 300,000 —ageypaato indemnity a little npwards of £5,000,000." The agency of W. H. Cunningham & Co. acts inde- pendently of the Boards in' scaling rates snd in the genaral conduct of its business. . 8. CEILOHELL. Tho companies comprised in the agencies of B. B. Critchell, No. 160 LaSalle stroet, are the Pheenix of Brookiyn, an old Compaxy, and 0p8 pf the largest of our American insarance organi- Zetions, with cash assets amounting to $2,200,- 050 ; the New Hampshire Insurance Company of Manchester, N. H., recognized 8s a very eub- stantis! institution,—the anly stock companyfin New Hampshirs,—wilh cash ssseta of. ugo.aun; tho mnh}:an Btats Insuranes Company, of A8kian, Mithe erganized In 1 Sommeat R s S . beautiful suburbs bn( the [ argan- the 5 ‘populate & considerable city— W enjoving the peaco and the benefits of i.ng?penmneu in strongest Southern companies represanied here. | bomes of therr own, who_attribate their good an B. M. MCORE & CO. Thegagency of 8. 3. Moore & Co. (S. ML Moore, J. H. Moore, John J. Jaues), 119 and 121 La Salle street, was organized in 1865, and con- sists at nresent of the following companies: The Hartford Fire -Insurauce Company, assets over $3,500,000 ; Equitable Insurence Company, Nash- ville, Tenn., assets over $300,000 ; German Amer- ican Insurance Commnf;, of New York, assets over 1,760,000 ; New Orleans Insurance Associa~ tion, of New Or{uns. assets over $300,000; Na- tional Fire Insurance Company, Hartford, Conn., assets over $900,000 ; Irving Insurzoce Company, New York, assets over. $300,000; 8t. Paul Fire and Marine, assets over $800,000 : North British and afercantile Insurance Compeny, of London sod nburgh, assets over ©13,000,000; the ‘Humboldt Insurance Compaoy, of Newark, N. J., nssets £300,000., It thus appears from the state- ments of the Compinies represented by 8. M Moore & -Co. that the aggregate indemnity offered by the agency in combined ussets reaches upwards of §20,350,000. € DUCAT & LYON. The companies consiituting the sgencies of Dueat & Lyon, 165 LaSalle street, established by Gen. Arthur C.Ducat st the close of the Civil War, are the Home of New York, with & paid-up capital stock of $3,000,000 ; total assets, $5,637,- 445,93, the cash in bank being en item of 8369, 876.61, and United States bords another very remarkable itom of 82,443,875; the Howard of New York, organized 1825, paid-up canital, 500,000 : Citizens’ of New York, capital stock ;& 800,000 ; assots, $341,626.03 ; 'of New York, capital paid up in $700,885.96 ; National of 1833, paid-up capital, ‘psid np_in anhattan full, 8250,000 ; assets. Now York, organized 200,000 ; sssets, $877,830.05; Armenia o Pittaburg, pmd-up_ cspital, $250,000 ; assets, §837,808.21 : New Orlosns of New Orleans, or- ganized 1805, &lid—up capital, $500.000 ; assats, $045,566.56. ~ The disbursements by this agency after the Greas Fire in Chicago amounted 0 §5,006,000. P MARINE INSURANCE. 2 MERCANTILE MUTUAL AXD ORIENT MUTUAL IN+ BUBANCE COMPANIES. The present month insugurates the ehipping season, and some notice of the grost business of ‘marine insurance would appear to be appropri- atoin this conaection. As is well known, a large number of companies make marine insurance a department and a feature of their business. There are, howaver, but three exclusively marine iniarance companles doing business in the aty, and three-fourths of the entire capital invested solely In marine nnderwritng i ropresented in the Orient Mutual of New York, Mesars. Farmer, Atios & Co., 86 LaSalle street, agents, and the Mercantile Matual, of New York, Messrs. Atkina & Beckwith, --sgeuts, same office,— No. 86 LaSalle. Some very in- teresting jtema indicating the solid strength of these two great marine insurance corporations, with some eatimato of the condi- ton of their affairs, and the business manipu- Isted by them, is inferred from the iast annual statements of the Compauies, the Orient Mu- tual exhibiting assets of 33,047,572.68, the item of cash in banks amounting to $316,692.85, de- posits considerably. exceeding the entire banking capital of the averago National Banks in the cono- try. The assets include also United States stocks, 8609,113.75, subscription motes, bills re- ceivable, and uncoliected preminms, $793,496.75, With other items equivalent to cash. The busi- ness of the Compauy for 1874, a lar item of which was that returned by the Chicago_agency of Farmer, Atkins & Co., in represented 1a total premiams of $1,897,791.40, the item of losses and expenses reaching the sum of $971,234.96. This is said to be the largest marime Compaay in the Unitad States. The statement of the Mecuntile Mutual shows similar features—assets, $997,563.62, '-3 cash items appeanng in large smouats ; total pre- miums of the yezr, $1,625,776.99, with losses, ex- penses, etc., & little short of $1.000,000, leaving hanasome cash dividends to stockholders. A now foasure in the agency of Messrs. Atkins & Beckwith is the 1ssning of policies to cover hulls and cargoes to !orel;iz points. Both the Com- panies aro of very old organization, and of very high commercial standing in New York City, their succoss and popularity being in 2 large messure attributed to 4he fact that they are owned aud operated principally by wealthy and retired shipmasters vorsed in all the require- meuts of marine commerce. —_— « LIFE INSURANCE. THE RATIONAL LIPE OF THE U. 8, A. Btatistica indicate that the post year, partaking in full measure of the geveral depressive effects of the last great panic, has been unfavorable to life insurdhes, motwithstanding which the Na- tional Life T. 8. A, alresdy mentioned in its ‘charncter a8 8 great monetary institution, pre- sents interesting and eatisfactory items in the Jast annual siatement, the present total asects, $3,580,225.81, indicating an increase of $236,- £93.70 over (h? figures presented a year before. Among the items comprising the sasets are cash in biak to-the amountof $95,950.07; United States bonds, market value, $41%85%; real estate, the Company’s well-known premises, 157 £o 163 LaSalle stroet, whore the business of the Company i transacted, moderately valued 2t 400,000 ; losps'doubly secured by first mort- gages of roal estate, £2,119,562.60 ; interest and repte accrued but nmot due, £51,193.45; State ond city bonds, market value 8$187,500, and other gimilar cash items and convertible assots. What is most significant and most liko a sun- beam in thesq figures is the loan item,—ths fact that the loans secared by the first mortgages of real estate,—worth more than twice the amount of the lospa according to the volustiop of overy leading real estats sgont in the city—amount to 82119562, a sum considerably in excess of fhe Company's entire Lsbility under nil of its 12,000 outstanding policies. Anosher item that will awaken some interest istBe fact that the surplus of §1,425,198 is entirely for tho security of the policy-bolders; and additionsl to a full re~ insorance fand. The Directors of the Company, twelve in num- ber, are bankers apd capitaiists of the largeat financial resonrces, and of the highest local and national reputation and standing. The qfficers are : Jobn V. Farwell, President; L. D. Cort- right. Vice-President ; J. F. Crank, Secretary, s0d in charge of the great Depertment of Loans, snd EmersonW. Peet, in chargo of the Astusrian Dopartment., ———— REAL ESTATE. SUBURRAN INTERESTS AND TRE OUTLOOK FOR 1875. The considetntion of the great dspartments of capital leads by an easy path o the contempla~ tion of o great field where money usually seeks jovestment by preferencq over all other classes of property, the corporeal and material form of all woalth, 25 capital is the incorporeal and in- visibie spirit. And hers sgain, in regard to that largest and most general feaiure of interest, the inside real estate of tho city, the lsnd aod land interests of tho great business thoroughfares and resi-, denco‘distriots inside limits of the city, have Deen tho prolfis subject of prediction, conjec- ture, snd opinion tonching such a revival as toat already awakened in the various departments of commerce. It has been decided withont opposi- tion so far as heard from that city real estate, 25 an animsto department of téade, is cither al- roady awake or about to awake from a long win- terish sleep, and to show in its movaments the young spirit . of the spring now abroad in the wide reaim of business. Tho interests, however, which carry & gresfer weight sod importance to the multitudea and maszes of she city are recognized in that foature .of tho real-estaie iaterest which per- tans to THS SUTURIS, the dutside aistricta of cheap lots sod chesp homes where by far the largest portion of tho populstion of the city sre able to con- tempiato real estate as a practical and possible suhject of speculation and mvestment. For a good many years past there bas been no subject g0 interesting to the indgsirial population pur- suing the mechanicsl industiies and repressnt- ing the savings of labor, as well as to s very considerabla proportion of & wealthier and more intelligent class, than the magnificent op- portunities for perwanent real estata investment go sbundantly offersd on ail sidosof the city, in the several besutifal and attractive towna and villages that have been laid out and built up as if for the express purpose of givinf the poar man achance to become & property-holder and a: 1andlord, 2nd there are thousands 8f onr inbabi- tants, of limited incomes, whorecognize in these enterprises and labors of such men as IRA HROWN,— . systematized offorts to make the city labitabls and accessible the crowded deca- pants of the city,—s common subject of acknowledgement & gratitude. It bas been es- e ot less 2 L independant mabotdan lsndlaris h;’:o anangh tn in these _ f fortune asd their possession of lande3 property to the wise aud generons policy 0. (s * real-estats agent and operator. A, order to get some clear idea 1z gaxd to the situation in suburban matters, tho Pprospect of renswed activity znd reawakened interest smong the masses, regardiog the sov- eral great ontside districts. as well as for some hints_touching the location of the suburban neighborhoods offering the ‘BEST INDUCEMENTS FOB INVESTMENT, representative of Tax TrmuNe yesterday waited on Mr. Brown at hus office in Otis Block, and propounded che following questions : . Reporter—Alr. Brown, you have been cred- ited | somewhat unanimoualy by real es tate “denlers with baving originated the system of rauipulating subprban real estate, by weich 80 many of the oorer classes have been enabled to come into he possession of real property,—what is some- times desiguated 25 the Ira Brown method of sale, the accommodation l}]h‘n of purchass by $5 monthly instalimenta. Ve Yyou any objec- tion to communicating some facts of general public interest tonching the date and earliest inanguration of your method of salos, a2 well aa some items in the hustory of your suburban op- erations ? Mr. Brown—1 am very much ocoupied this orning in arranging for the jnsuguration of my sales at Glencoe, and wonld prefer to refer you to my bookkeeper, who i8 posted in regard 10 the history of sales in my ofice. R.—I do notwish to burden you with very heavy queetions, qr such a8 would necessitate reflection.- I want A FEY FACTS. Mr. Brown—Very well, I have alwsys focnd that the quickess method of escape from a news- paper inquisitor was to answer Lis questions. R.—Waeo did you first includs the suburbs in yonr real estate operations ? Mr. Brown—Mly .first enterprse was the pur- chaso of a tract at Hyde Park in 1866, which I cut up and sold. i R.—How much? Mr. Browa—Forty scres. . B, —How long did it take you to dispose of all the lots? » Mr. Brown—Sixty days. R.—And then ? Mr. Brown—At Evanston. I bought a subdi- vision, quite & tract there, and sold it off in lots. B.—When did you inaugurate the original IRA BROWN INSTALLMENT FLAX Mr. Brown—In 1869, at Evavston. The plan seemed to be nqvel, but people took to it, and the lows went ofi, R.—When did you inaugurate the plan of uni- fm'm? prices and choice of lots, the $100-a-lot " . Ar. Brown—Thesame year at Evanston. The first season, which Was one of venture or experi- ment, the sales smotnted to 200 lota. R.—Whas was your next fleld of operstions ? Mr. Brown—I invested then in 500 acres in Desplaines, and applied my plan there, the sum- mer of 1878, realizing sales of 500 lots, continu- ing, L:.l course, my general businesa at other poin R.—Whnat considerations governed you in the application of yoar plan to PARK RIDGR? Mr. Brown.—Pstk Ridge seemed to me to be a point that ought to bamade immediately available %o & large population in the city, possesaing such ‘natural advantages as it was wrong to ignore,— and healthy position, 130 feet above the jevel of the lake, the yreatest altitude, it is to which the lamd rises at any point between * a Ghitago aud tho Mississiopi, and, only 9 miles from the city. I sold 700 lots there on the 1ostallment plan last summer, sod shall continne operations there through the present season. The attractions of the place have been improved by the incresss of population. It is an American town, imhabited mainly by Chicago business-men, with fine schoals and churches. excellent encialand neigh- borhood relations, good wator, a splendid soil with very fine landscape attractions. Why shonld I not have apphed my plzn to Park Bidgo » R.—At what other points il you apply the easy instaflment plaa this #eason ? 1r. Brown—At Glencoe, Lakeside, Hyde Park, Evanston, Thornton and Desplaines, RB.—I regard GLENCOR a8 the most attractive neighborhood for resi- dence purposes in the immediate vicinity of the city. lu addition to the spiendid natural eur- roundings that render it oapecially desirable 28 a homestesad sita, there is now a considerable pop- uletion sud a large number of beautiful and ceatly résidences. Can yon afford to apply your uniform paice of §100 a lot to your tract in Glencoe? Mr. Brown—Yes, I intend todoit. It is true that thin will be but $4 a foot, while nothirg selling there at loss than $12 to $18 & foot. Bat I will adhere to my plan. R.—How long will it take vou to disposs of your tract of 400 lots at that rate ? Mr. Brown—About nioety days. R.—How about Desplaines? Mr. Brown—Desplanes is mainly s commer- clal and manufacturing settlement. Bat it is s splendid point for business in- vestments. With but 1,800 inhabitants, they havo twenty tores, several mills and factories, brick blocks, cte. Itsconvenient location, within 12 miles of th city,, renders it specially eligiblo for commercial investment. I shall be com- pelled to zsx 8200 & lob far my track in Des- Pplaines. D R.—Whst is your ides In regard'to the general outlook in real estate for the present sesdon ? Mr. Brown—I certainly know of nothing to discourage the most hoperul aoticipations which I have seen expres: throneh the papers. I beliove the eeason will be by far the best of BOme years. THE INVESTMENT OF MONEY, Savings DBanks and Their Secaritiés. Next to the important secret. how 1o accumu- lato money by honorable industry, is presentod the vital :question how the money 80 Iated may be disposed of g0 2s to o available when wanted, and at ths same time be prodao-~ ing something in the way of interest, An emi- nent financial writer once said that the work of accumalating money is “easy, &8 compared with tho task of eaving it after it hos been'accumu- lated. The history of the world shows this to be a truism that requires no argument to prove. During tha last fe:r months various srticles have appeared in these columus, setting fortas few vital and important pointa that should govern the masses 1n the dispogition of their surplus earu- iugs. The views contained in the present article, as also m those which have ed it, ate_and were, intended to stimulate s more provident gystem among.the lower and middle claases, in regard to their surpius profits or earnings. It requires no argument to prove the fact that there are thousands of laboring-men, mechanics, clerke, and boolckeepers in this 28 well sa all other large citican the country, who apend their earnings weekly, monthly, and yearly, as fastas received, in such a foolish and sometimes immor- al manner a8 even to surprise themselves at their own unwise prodigality. ‘This is & plain, Beosible question, and it re- quires 0o far-fetchod phiases or high-heoled rhetaric to send it straight to the heart of every improvident person in the land. Like every other virtue, that of preparing for adversity and old age duriog the period of early manhood snd pros- perity, shonid be stimulated by the bright ex- amples that the world affords of the millions that have crossed the groat gulf that yawns be- tween poverty aud opuledce, by commenciog in ‘early life to lay nside &uch portions of their profita or earnings a3 were not req: to meet the necessary wants from year to year., A very 1arze pra;;omon of the solid men of gh::l city to- aay owe Lheir wi ition entirely to the provident nysmm 3 ‘ BAVING THEIR EARNINGS ‘when working or opu&ting in subordin: tioos in early life. And right here we might state that gthe varions saviogs instiiu- tions of this sa well s of all other countriss are founded upon an eminently wiss plan, and, when regularly patronized, prove » sire key that unlocks .the door leading from poverly, immorality, and crime to wealth, | rosreotability, and hopor. And when the thooghtfal mind contemplates the vast masses —aven in the city—that scatter_ their esmings, with a most improvident hand, without seemingly » single thought for che fature, & feeling of the most profound astonishment, 8¢ such folly and depravity, i entertained. Both 1n the commercial and financisl relations that exists in all coramunities, there are two sep- arate and distinct classes : the speculative and legitimate operstors. The former are guch 2a employ their time sndingenuity, in graspiog this or that advantage that certain enterpniscs may offer, whether the resulta be certain oz acoriain. Taia embraces the entire speculstive eloment s of the conntry. The laster clasa is composed of the more cautious operators, who are not schooled in the tricka of specalstive enterprises, and heoce wisely dispose ‘of their mtesns whers they are available at command, and &t ths samo time dre earning 8 fair remugeration in the way of interest. And while it 18 true that persons have grown suddenly rich in specalstive.inveet- ‘ments, such instances are the exceptions, and not the rule, and, to thoss that are not versed i suburban popnhu:;ln:‘f -the uncertain resulta of speculative transactions, %flmhu-. nino times out of iem, proves thoir umu- | Thesa thonehta ara offarad farihe hanafit » of 2l who have surplus earnings, or other idle mesns, which they desire to invest, for thoy will find opportunities, offers, and indtcements, for such inveatments, as numerous as they ace uncertain and unsafe, Hence THE OSLY SURE BOAD | to pussue in this réspect is the one that leads to the desk of the receiving teller of some respou- sible saviogs back, and, if these % tions are fruitful of such & result, then the object of the writer is accomplished. = In selecting & bank in which to deposit one's funds, the same wisdom is necessary that would be observed in making a loan to an “individual, as the responsibility of & bank depends entirely upon its age and stability, and the integrity and breadth of character of ita ofticers, and_in this, asin other matters, their fature soundness znd responsibility can only bs measured by their past And it i no excnse for the prodigal and improvi- dent to“seay that we have no insti- tutions of that \kind in this city, 88 thers are several, that stand as monuments of their ability to withstand all panics, and other financial disasters. And, without the least desire to discriminate, we_will add, promi among those wortiy of public confidence iz the g 5PATE BAVINGS INSITTUTION, which is, we believe, the oldest savings bank in the aity. And, while there may be others equally sound, we mentfon this back on account of ita age, its unblemished reputation, and the weB- Xnown integrity of ita officers. And, in con- clusion, we will. remark that the depositors of savings-banks derive s twofold benefit by patronizing thoee institutions. They not only place their money where it is secure and is earning an interest, but they contribute towards swelling the volume of circolation, that isloaned ont on good securities, and which en- ters into the various productive enterprises, which largely increase the demand for labor. ‘Thers ie perbaps at the present time‘ from ?:.000.[300 t%sle.flog.mmn is being carried by @ 8avings banks of this city, 8 ve 0 par cent of which is loaned on:yéwn e g‘;-gz o questionablo ecurities, which contribates to- wards farnishing maoy thousand people with re~ munerative employment. To fully develon the benefizs of the savings bank syatem in thia city and thronghout the Weet the “public mind muse be aciadoled on ths question. The benefcial re- sults throughout Europeind the New England States must be carsfully scrutinized bafore oux people will accept them 28 an example. The lungs are strained and racked by » IS b i gl A it compiamt offen established thereby, Dr. Jsyne's Expectorant s an etfective remedy for coughs and colds, and exerts & ben ‘eTect on the and bronchizl organs. 5 GROCERIES. G—ROOERIES ! BUY YOUR FAMILY SUPPLIES AT SLACK’S MAMHOTH GROCERY HOUSE 108 East Madison.st., Between Clark aad Dearborn-sta. Sae from 10 o 30 Per Cent and Get Standzrd Cosds Fresh Arrival of Fine Flavored New Chop TEAS! At the following LOW PRICES: Chaice St. Lonls White Wlnm.r eat Fiour, s Western (uoen,” por 7 gnnlce e, Lonts Wit Winse S7.28 holcs afinnesota Syring 35 Tomatoes, 3 Ib. cans, per Case of 2 dox-.53.511 b S L A At Fra W] PrleeHakins Fowacs. 1 Ib: cana. o 4 )L‘oyl_\l '‘Baking Powder, 1 Ib. camn: e Buaetat £aap; 6O bars. Tull w Daryens’ Satin Gloss Starch, per box of G . o menl it 550 STAPLE and FANCY GROCERIES Of avery description, at prices that dofy compatiiian. Goods Teliverod 1o oy ase of toa ity troe ot atarge C. .S ACEK, WHOLESALE AND EETAIL GROCHER, 109 East Madison-st.. TEASI Buy where you can Buy fie Gheapest! HoOoM=E TEA CO., Corner State and Twenty-second-sta., and Stalls % and 9 Fiold & Leitar Markot, State aod TrenUatb-sta., Dave ‘opened s Braach Store at No. 1955 Dearbora-st., betwoen Thirg-sovenin and Thirty-eighth-ste., witira stock of tie ™ FINEST TEAS ARD COFFEES, And will bo 10ld very oheap, far bolow any otber house tn o 2, Tiios Srandard ‘A" Sagar, 3bo ey, Grapulated Sugas, 11se: Josco; Kest Cocoltng Rics, licg Best Suds dmclee to: e ter Crackers, 8¢; i Froctar & Gambie's Soip, Te J. C. ORR. Flour and Feed. S Tam stfilat the old stand and selling bost ‘Drices. It will pay to call sad see me before buy- ing slsewners. Caanot be beat In prico opqualiry. 'G. GOLVIY, 78 West Van Buren-st. PARLOR BEDSTEAD. LOTTA AND L T'was evening in May; and the seft cepbyre sighed Through the branches low bending sbove My Lotta and I, 38 wo wandered elo And whispared of besaty and lova. +* We'll make us & nest’like the birdlings,” Fsatd, ** And never atall part any more.™ *4Oh, yes," she replisd, * aud cxa furnish It ales AtTHE EMPIRRE PARLOR BED STORE.™ 4 Pair creature, thare's many s woalthler msm. ‘Woald giadly have you for a brids; 5 But no one cax kave you more fondly than L My treasure, my beauty and prida ! Oh 1 had 1» mensios, with carpets of gold And silver 'd cover tha floor 1 But smilliog, she said: “ You can parchase the best AtTHE EMPIRE PARLOR BED STORE!" **TT spread you s enach upon which to recline ‘When evezing aball call us ta rest, . Of the fleeciest down,"—but she sald with & sigh, **The Empire Bed is thobest1 ™ *Then so it shall be, love; and tables talaid, And seats fram some far distant shore [ “0b, mo!" ste axclalmed ; ** tho: have olegsnt ol AtTHE EMPIRE PARLOR BED STORR I* * Bat Lotts, alss! Tmust sadly confess To furnish » hiuse n the style you demazd ‘Would hopelessly plange me in dedts To ask you to share my poor Indgings sad board 1Is somothing that I should deplore 1™ Sbe sald with a smile: ** You may purcises on time AtTHE EMPIRE PARLOE BED STORE !™ = Tomorrow, then, Love, lt us journey sis To that storo on West Madison streei. ("Tis numbor Thres Bundred and Eighty azd Thses. Whers Lovers so bapplly maset: Hre many fond souls might be seversd for years ‘From those they o fondly sdore, Wers 1t not for the eystem of payment thay have + ASTHE EMPIRE PARLOR BEZD STORR:™ ‘Wowsnt. Happyday! canlever lorged The plaasure that in ber face, As sho gazod at the marvels of bsaty displayed 1a THi EMPIRE PARLOR BED PLACE. W farnished ouz nest in an slegant siyle; ‘Boen married & twelvemonth or more, And Lotta is sizging this song to her babe, OF THE RMPIRI PARLOR BED STORE. N. B.—] young lady who expects to be married clip this out, hand It to her besc, and remember the nomber {s atill 383 Wast Madlson-st. SHIRTS. < SHIRTS! A good White Shirt, all-linen front. An excellent Shirt. all-linen front. Lonsdale Muslin, 3-ply front..... ‘Wamsutta Muslin, 3-ply front, all linen.. 2.50 New York Mills Muslin eoe —eea s .- 275 With 4ply sil-tmez Culta. An excellent Catico Shirt, with Collar.... 1.00 An excellent American Cheviot.......... 1.50 GENUTNE 6ooteh Cheviot Shicts. 20a0ras and Peuang Cioth. plein 8ad boaad R il and d edyes. A larwe assortment ie wolecs vt “Breey Sbirl our own manutectars, Priess guir- antoed to be the lowost. HARRIS&COBB; 171 South Clark-st