Chicago Daily Tribune Newspaper, November 19, 1878, Page 3

THE CHICAGO TRIBUNE! . THD CHICAGO TRIBUNK/ TUESDAY. NOVEMBER . tew. NOVEMBER 19, 1878, THE PROTECTION, the Testimony Now at an M End. Arguments Will Be Btarted On ) This Morning. The cross-exsminatfon of R. M. Woods, & de- fendant in tho Frot ection Life case in the Crim- {nal Court, was cuntinued yeaterday morning. Hie aad that fn making his report of 1877 he bascd all his information upon the books of the Company. Terpenny, the bookkeeper, told him ones {1iat In the fira of 1870l the bouks had Been destroved, and_had it not been for his Knowledge of 1t affairs the Company would pever have been reorcanized. The witness had Jearned also that the Compsny bad saved £40,000 on death-losscs comprotnlsed, AR PINST CONVERSED WITII MAJ. EDWARDS regarding the examination of the Company Avrll 23, baving never spoken with any other Cofficers of the Compsny brevioua to that time on that sabjeet. The witness was shown a doe- ament, and identifled the handwriting in blue ink ashis—a financlal statement of the sffairs of the Company. At the time Terpenny handed It o bim it was given him asa comolete state- ment, The witness made some alterations in difterent-colored fnk. e reccived the data re- garding the losses adjusted and not due, unad- Justed, and losses resisted by the Company from Mr. Terpenny In ono lamp, The witnesa sepa- rated them [nto three items himsclf. IMo ex- amined the bank-book showing the ac- counts of the Company with the bank st Carlinvllle. Terpenny told him that tbe foancial statement was corrcet, He consulted no one but Terpenny on this matter. Lanumml assessments meant compromised dea,losacs. These were keptin the ledger. The witucas id not examine the trial balance- sheets or the persunnl accounts, becauso he throw them out, Theagents’ balances were part- I altowed, —the amount belng about $23.000.— put other ftews were thrown vut to the smount of about $22,000. In examining Ledger No. 4he found death-lussea rexistered there, hut did not know that they were three montha In arvears. Tue premium noies werd'given bim by Col, Kel- Jogg. He aid not know that the Oommmy was fo debt to the German Natfonal Bank, nor did heever mec the book shown to him by Mr. Weber. He made no fnguiries, because hie took the Aigures from thie books of the Company. llo charged spainst the Company all the death- Josses he could find, without rezard to thelr dites. Durlug the cxanunation be eaw Ed- worls, Hilitunl, and Rysu overy day, but did ot speal to them, Mr. Weber—I'rom what sourcs was that part of your report reluting to premiums In course of wllection, amounting to §45,000, derived { % Woods—1 found it frum thg ledger and the sccounts of the Onlo ‘Trust Assucintions, con- ting of seven death-lnsses o1 85,000 each, Tue witness further sald he conid not tell the names of the persons whoee death-losees were reported. Mr. Weber asked ll they were not J. Gunther, assessed for in April, 1 Srl Kate Morzan, assessed for in June, My~ ers, asscascd for iu March, 18773 J. .‘l Smalley, asseeced for in June, 1877: J. 8potts, assessed for in My, 18773 Janies l!ccan, asscased for in June, 18773 J. Van Meter, assusned for In July, 1877, Tho witness fdentified Bmalley and Spotts a4 parties who had dled befora the 28th of Feb- ruary, The moment & man died bis claim waa pald by crediting the amount to the Trun Assoctation to which he belooged. When appolnted to the Auditor's oflice he found the Armnr‘y there, who was Independent of him, When {he Actuary told him that the liability on* policy was $5,000 he charged 1t as $5.000, and when ha told him to charge it as 81,000 ho did so. His charges of the policles of ‘the Protec- tlon were made at the direction of the Actuary, He omitted thoso pollcies where the proots of tho lossea lind vot beeu filed. In his schedules ho fneluded nll deatli-losses whose proofa of losaca had been filed bafore Feb, 28, 1877, with the excoption of soveral which he omit- ted Ly somo mistake. . The witbess had no recollection of omlmnz six other names besides the scven alrcady men- tloned whose policies amounted to 600, He submitted the deatli-lists to Col. Kullumi suid put down the labllitics s he suggested, He took uo secount of death-losses which had becn assessed for aud collected, or ssseased for and uncollected. UK BIMPLY DID AS KRLLOGO SATD, because 1t wos Kellogi's duty to make the eal- culations of Jability on all policies. fledid pot voinpare the death-record book with the ledger for virtllentlon, The witucss was shown tho private record-book of Fithian, contalning = campicto st of death-lonses, and satd pusitively that he had never seen it before a few nontha a0, when it was sbown bim by Recelver Cuoke, He had made up his death-1o: from scveral ‘The witneas was sho & schedulo con- talnlng list of Habilities for clalms unudjusted, finl'pllccll at §05,000, then at $17,000, and then AL§5,000. e sald hu had never shaved these liabillttcs—that was done by the Actuary, ‘This closed the cross-examination. Mr. Bwett nsked the witness if ie had accounted for tho $574 pald him by the Company jo scv- eral checks to the Htat etliclals. The witneas said that this moucy was & proner and regulur charge against the Company, und was regularly mado secount of to the Auditor, If he had ac- cepted the upinfon of My, Peet, Actuary of Penusylvania, lostead of the oointon of Kellogi rezarding the ilabilities on policies hie would have been obliged to pive the Compauy credit for 830,000 miore than he d. Ctnrles Allen was placed on the stand. He went to Cooke's office and tuck the dimnenslona of the books and papers. Tho tin buxes were lon feet high and seven feet threo inches wide; the books were seven feet wide and ninc fet bigh; the papers seven feet ufne Inches high sid two feet thick; total dimensions, twenty- two feet long and nliu feot thres inclies Bigh, Jonx 3, DRINKKRIOFY s next exumined. Ho sald that ho assisted 3ir. Wouds fn wiaking an examivation of the Protection Life Company fu 1877, Bo far as hg kuew, lie consldered that examination a fafr and honest one,uod hehad vover learnud that it Massupthine else. vitness had no Instruc- tons at the thue, but was supposed to do cvery- mlnwwrrnlly and carefullv. fle was in Chi- vllo wice during that exsmination, and did not Wi n »umnulnu ny othier Company. lerk fu tho Auditor’s ofllce, and st i held tbat position. He had no sgronent oy conulvance with anybody to make o false report, or t belp Woods to do %o, EMRERSON W. I'EST, Actusry, was Yhml on the stand, He had been Actuury of the Pennsylvanis lmumncu De- bartuient, ana was now, He had lurge experi- tflcu o surance matters, aud K‘ alled upon w mct as an exncn. lnc dutiea of un Actuary were to take calculations ;an all mathematlcal ‘queations connected with faurance, and to understand ip all its "'“""i" e sclenco of {nsurance,—that is, to _know t! whola eubject from one end to the othicr, ‘The Wituess wus shown a policy of the Protection t‘umnluy fur 33, aud was asked what rule there woutd be for e {mating tho liability on Wiat olley, Ho sald thero was no rul Tlers wuuhl Le o llability upon the poliey. Ile Ih wa another pol! lg nd said that (at.hnlnlly cre anfght ba a 1abil B but practically thero Was none, ‘I'he first polfcy myght be consldered Stve-year policy of $1, and thu second a meyear poliey of 8250, On the second thers MW 4 ve a credit equal to the Nability, Soveral hu..lnuu of policics were shown him, sl de- &ribed, The ments (o courseof collectiontu l’nn.:ulu vipauy wlght be constdered as bremlum fu course of vollvction fn the uld-line Swpanics. He hnd heunl of the Oblo Trust b clatione, and underatood bow the Protection 'Dluvnny tould charire the wmount of u death- 194: {1 o Trust Assoclation asa credit to such t Assoclation, und could chargu ou thele g: bouks that amount as u deatl-lass pald. A uhum' Ol 850 a dday was cousidercd an ntr ®¢ for examiniug lusurance companics. u Considered the A policies " of the Protection B the moet worthiess of ull fasucd, sud would Bot charge my )hblm.y sgalnst theus, sald OMAS D, DARKETT . that he vuu Clerk of tho Criminal Court .ur Sowe time, aud was fumilfar with bouk- yeolng. He Lad been called upon by Mr, ‘hwd.- to compare bus report with the bouks or hu h Protection Coinpany, then lu the hauds of u Recelver, Tho combarion wus favorable. :y found slx death-losses that bad been omit- mlmm Woods’ report. ‘The first day they h € the sume wistake that Woods did,—leav- 'fl ut the saio paines that he owitted from Tewart. ‘There were three of them conduct- > !ltl:m oxamiation, The wistske wus poiutcd ":l lytna Rectiver, and thoy then dlscovered ¢ loaice that had been nlnllu'd‘ At this polnt Objection Widene uu‘? wade, sud the Court ruled all the s s . W. EDWALDS, X-Sceretary ul the Protection’ Life Company, b:x blaced 0o th stand. Lo was asked by Mr, B hm Tegardiug the payment o2 tho ¥500 which, 1 ."n‘.l Leen churgen, wil vald to Woods us by :»e The wiluess sald tuat ou the day fu \t;‘mn be caused tho $500 10 be deawn from s butk wud charged s Weush,” He arew thu Teley wud went atu the detle roum off from -alley from his officu to the Protection oflice, the offize and pald [t over to Judgs Bisbeo, the legl adviser of the Comgany. There wos a kensation fn the court-room when tuls statement was made, but the nolse waa mileneed b the Badlifl, The nitures sabl hat Bishee was then doing oo deal of Teeal worls for the Company, and WA iecustomed to coming into Lho Protection oflice tirough the alley from his own office, When the muney waa handed to Judie Bisbee nu oue else Waa I|| llw lnuo ruotn. The check was ddrawn “eash!! et the suzgestion of Mr, llh elllmlell- He d1d not remember geetng Woods at all that day. was custutiary for Ryan to slgn checks at lhe reavest of the witness, ‘Ihose were precarions times, the Company heing attacked on all stdes, and there helng a dozen sults azatust the Com- any pending. e bad to pay out large sums or legral rervices. Mr. Bishee was a member of llm law-flrm of Monrue, Biebee & Bail, Mr, Swett read the bil) iiled Auw. 7, 1877, by Wonls, nctimyg for Needles, closiug up the I'ro- taction Company. J031AH H. KELLOGA, Actuary, formerly Mathematical Profeasor at West T'oint, Captalu in the regular army on the retired list, and Intely acting as Auunrv for the Insurance Company. was sworn, 'The witness was told by Mr, Ward tha | hod been filed sgalnat the Comjany which averred that hi; timates had beci incorrect. Ho had every valued the policiea of the Compuny according to the legal valuatfona of the State, and no fault liad been found with them except that the Company ofllcers had suid Le was too hard on them, * He theretore mude an affidavit, offered fn evidonce, and ho believed cvery word In that uflidavit was true, At the beglnnine of the afternoon session the witness Kellogr continied his testimony, e had no connection with_the paper known is the Profection Advocate, 1le was shown the WA god “BY forms of policles, and expiained thelr uses and the sizuification of the alpha- betical terms, The witness himsclf had drafted that part of the policies which could come in the nctuarial department. He acted as Actuar, of the Company at the request of Secretary Ed- warde. Thio wiiness explalned some of tho duties of an Actuary a3’ being to make mathe- motical caleulatiuns, Tliere was no conuivance between himself and the oflicess of the Com- vany to make a falsc report af its condition, He had no knowledge what the final report of Woods would be, "Ryan had not asalsted in making the examinatfon. He had never seen the schedule of Jeath-lusscs. Before assisting Woods, the witness had iade yearly oxaminae tions of the Company. ‘TheJast thne that he had made » thorough examiuation was in 187, though he had looked st hooks from time to time, Ha knew nothing of the ledeer accounts, having no ocensfon to Jook into the ledger. He was there to do only & cer- tuin kind of work, snd he did It. ile made fons only ive policies, not on death- These ** A" policies were worth not a 1f 3 man had died and ney was asscssed and golleeted, he nd- . \Woods to charge the full face value, In pollctu where the man was dead and the clalm was not ossesscd, he aavised Woods to churge on $1,000. The une-year policies” were not nunnnlccd for moro than vne year, amd at the ena of the vear the Company was nut Hable for a cent. ile advised Wouods to give the In- aured tho benelit of the doutt, and to clarge the Company fur the policics, and on the other hand to evedit the Company with the same amount If he thought it could bo collected, L. M, BISHEE, of the law-firm of Moitroe, Bishee & Rall, was sworn, --There was a tronsaction with n £500 chierk between him and Ma). Edwards, but he could not remember the oxact date. 1t must haye been ubout June 1, but he conld not say exactly. On this uceasion he went across lhsl\ e went Into the little room off from the inaln oftice. There was some conversation hetwecn Ldwards and bim rexarding the inanner of pay- ment of his hlll for lezal services. Usuaslly he talked with Edwards fu another room, but on went Into the Hitle room. When In the room besldes Edwards and himself, fe remembered this particutar transaction beeause he wanted the sum fu currency, ‘This was the only time he ever was pmid {a currency, usually getting checks., wworn, He was astced f the sum of 37,000 charged as uescasincats In Me). Woods' report wus subsequently coliccted, Hosaid that 1t was. * . MARTIN RTAN was called, Hosald that Maj. BEdwards never came to him, a8 had been testitied to by Ter- penny, and converacd with bim regardiug the paymient of 8500 to Woods. Nothine wans sald to him about that movey, He was Minply asked to draw the check, and he signed itas reaucsted. His dutles were to_pro-rate the assessments on meombers of the dilferent classes of pollcy-hold- ern aod to edit the Advocate. His pusition wus oquivalent to that of an Actuary In ol her companies. Ilis calculations nad never been questioned. fle had censed to be actual Actuary in February, 1877, but he staid there for some thwo Iater.” His reslgnation was hand- nd In In February, l:ut hie was usked to remain untll some onc could be obtained to do the actuarfal work. 1l did nor do any cdlwr(nl work on the Advocate after Jnnunr\. His place on the Adrocale was taken ht J.B. Il Ne hod nothing to_do with alding Weods in making his report, and Le never biad an understanding with any ofticers of the Uutnpany or of the State ns -to ‘what that revort should be, ‘Tho first he had seou of the report was in Springticld, when Le was shiown it Ly Msj. Woods, The witness beeama connected with the Protection Company In 187, and was & member of the Exec- utive Committeo. That Committee voted A e i L T culations as to tho mrount of the labllity of each policy-lolder on the assessment. In tho annual atatement, hio un- derstood, Col, Kellogz made mumlmmlum upon the death-loss Habili d not ar t. Kollogg In auny of his actuurial vulu-nom. witncss was in Soringfield about June 7, 1!77, and called at Maj, Woods' office, and was there shown the report. e never unmlnul the bLuoks and papers of the -Company to sce whetlier or not tho monevs cotlected on nsscas mcnu%n.- puid to claimants, The Lank ac- count ys. Conipuny was tranaterred to him on two fons, ln "March, 1577, ond again In Moy or Juue. ‘Ihe account was tranaferred buck to the Company about the Ist of Mn\. Maj, Woods- never inquired why tho ban count was kept in s name. fe never use I.hu account for bis own purposes, aud oven whilo it was in his name the boukkeoper kept the accounts, and the witness never how tha uccount stood or how much “monocy was standing to the credit of the Com- pany.” Ho never tendered his resizuation as o meimber of the Exccuttve Committee,because ke ceased tobe u wember when ho ceased Lo be a stockholder of the Company. ‘I'his ended the case fur tho defense, Mr, Leanard 8wett sald it seemed tohim that, as there had been no ovidenve brought o to show that the defendauta bad been gullty of the offeusu chargzed, the case mlzht as well go to the jury at once williout auy arcument, Mr, “Webor sald that that wus all * bun- coinbe,"” and he proposed to pluce the case squarely beforo tha jury, and tho other aide cuuld walve their arguments i they chose. ‘The Court, 'tn order to give thne 1o Mr, AYeber to prepare fudexes of those parts of tho account-books which hie wished to rofer to fu his -ruumun, adjourned until this morning af 10 ocluck, —— - 1780 and 1874, Cincrunuit (Gazelle, \Vn have hefors us the lollowing contract by tho Seiectiien of Newbury, Mass., fu behull of Joseph .\ saceatur of s well known famtly of ity “ owithold the full naimes Dy requént: Woereas Joseph C——, Liave cnzaged to serve in the Continentsl army as & soldicr lur the towu of Newbury for the term of wix montls from his artival wt Springield, i conslderation whereof, ‘wu thu subicribers, tressurcrs of town, do promlse rs jo puy the sald Jueeph —— fwenly bushels of goud werchantable Tudinu corn por wuek. fur sald”cervice ur Delivor to Lls wifothe value thercolin cora of otlicr uccessarys of life Lhot sho inay caliupon us for Dureiuy tho eatd gervice, oony Foriey Seloctmen of Joux By 0 Jomonva Unvway } Rewbiy, On the back of the document are the follow- fng indorsements: Nuwnuuy, July 1,1780. — Hecelved one thousand and tweuty dotlars, which iv equal to seveutecn busticls of Indinn corn, in part uf the withm ote. Hecelved same, dorsrn (—, Ngwueny, Jau. %0, 1781, —Recelved of the Se- Ject (en) elghteen bundred pounds, 1o full of the withia note, Jougru C— It will be seen by the Grst of tho aboye iu- durscuieuts, that on the day It was written, coru was worth the inoderste swi of $60 8 buskel. Esthnativg the pounds In the secoud lnuohg- went, st tho old Culonfal value of 3333, Mr, €. wus pold about $6.000 as the bolauce ‘of bls duca 10F vix Wontbe’ seevice. This exumple of what wus doue nlucty-cight years ago is u forvi- Lle fllustration of what the Grecubackers pro- poss to b vt thewselves aud other, e Distress of British aut Furmers, Lomddon Suacts Tho cries of (ks furicrs uZalust the tents they have to pay eecin Lo pruve that, at all eveuts tu very sy wountles, 1he gradual prog- reer of frec-trade I brngiue tu us sll the low-priced wheat of countnes far liter .or wueat-crowili thau our own, o8 weil us far less welghted with reut, will soon conpel a geueral reviron of Jurmiug lesscs, sud the reduction of the rents of wany «f them,—it is suid even from 25 10 80 per veut. ‘Nl i3 the proper aud sclen- tile remnedy for the vresent condition of thiug, bu; L Biliculty b tiat tals semedy vanuot to apolled by the farmers till the existing )enel danger of a \vmml antliipate the mischicl, by cither con- senting o revise the ters ot the.r unexpired leares, or_offering voluntarily some reduction ‘There can be nothini but disad vuntage fu ruining, or even greatly impoveriahiug, good tenants, who made their bargain in a totally different condition ot sericultural productton. And thia process of {mpoverishment scems to Le what must hay flmen orver A considerable part of England, il out on the existing termas, save enough wages of the nurlkull.urnl laborer, while it Is very possible tu lose miucht by that verv un- desirable process. surplus profit; and on the reut, thereiore, tie burden of & gencral reduction of profits should naturaily fal), BIBMINGHAN S DECLINE. The Effect of American Gompetitian on Engiand's Chlet Mauufacturing Towne—ks- ports (o America at an KEad, and the Tide Tarning in tho Qpposite Direction. Worremondence New York Timer, BirMinGitas, Oct. 25.—The scat of the haril- ware trade of England, Birmingham, Is also the rreat centre of Liberalism, and, as a city, onc of the handsomest In the three Kingdoms. Jler public buldiogs and fnstitutions are famous; her leading men have influenced the deatinics of the Empire; lier journalists aud politicians rank high in thelr respective walks, tered the metropolls of the midlands yeaterday you would bardly have thought that the town biad any special cares of trade and commerce. It {s » notable fact, taken In conucction with the general depreasion of trade, that Birming- ham not only looks busy, but s busy. The clvle nuthorities arc deep in Jocal improvements, A magniticent municiog) hall I in course of erec- tlom, new strects are belng made on all hands, the town buildings asrc befug decorated up to the artlstic spirit of tho age. Inz Idea of tho town authoritics scems to 0 ahead, and vot look back; the reckon- ing will come later. At night there were crowds ef fashionable people from town and suburb to Ilenr Pautl at the Town-1iall, and the Carl Rosa pera Troupe at the theatre. Im,d lhc cllcrlflr of the local Agriculturul vnlun In ::nnnecunn with the forthcoming mu- nicipat election were bolng Leld in varlous parts of the boruugh, local nalitical controversivs. It appeared, in- deed, to bo a live town, and In every wuy worthy of itsreputation. Thodgh Birmingham is suffcring from bad trade, she manutactures sucn a variety of artl- cles that she manages to huld her own better than towns which are conlined to one or two staple _manufactures. tion a slugle commodity which is not made at Birmineham, from a becdle to a railway train, Guns, buttuns, nails, locks, wood-s:rews, rail- ‘bolts and 1dols, saddics, watclies, Jewelry, bedstends, pots and paus, bronzes, electroplate, and a thousand T come handy to the manufacturers ghatmn, muskets were made here for the Bonrd of Ordnance, in addition to 84,507 of a uew pattern from 1814 to 1817, mlklnu a total of 2,073,300, Busides these fromn 1804 to 18 the Board of Orduance 3,047,64 quu and other fire-arm_Larrels, 2,879,203 ) istols, 1,000,000 gnas for the East Indics, , 000 !uwllng-pxccu for the home trude, mum. Frauce, aud America have greatly lm.cr- fered with the vrade. It Is a startiing fact that the late war between Russia and Tur- rinfngham did but o small elther country, while Amcrien supplicd both with large stores of armd, uaiity of the American nrm o the han:ds urk on man, In 1500 Birmingly women, and children in the unil trade; n 1861, 20,0095 In 1874, 24,0005 aud 0 1877 avont 21,000, R0 low) ke uction is estimated at 4,600, D(!l' year, jucluding all urlu.um,—;md. cabinet, thll, " box, and other trade 1sagreat Industry in Dirmingham, In 1874 one tirin alone (Nettlcford & Chamberlain) wado 7,200,000 gross of L'rc"nlc uantitv annually turned out In all En- say, over the tomb- r. Goudy takes o short was when lhln articls was cxported to the | the Alton Democrat wouid have such a gentus United States. America lias nowher own screw | us this dissppear from among our political | pafd, company, which holds on the other side a simi- lar poaltion to Nettlelords here and Jaff Brotii- [T ers in France. Constitution befors we read Mr. Goudy's {s ona ynst rcale, and occuples about 3.500 th.lu we shall prabubly never hear it agaln, l Milltons of buttons aro turned out From 1805 to 15870 pear)-buttous used shells, American that to 800 tons; and the trade would have been Iiterally extioguished but for the discovery of the necessary shall on tho east and west vonst of North Austraha. In sdditlon to thisthe button trade consumes snaually 500 tons of tvory nuts vegetable Ivory), BU0 tons of bruss, 1,00 utten and other fron, the value of which, with tinned plate and the mother-of-pearl shietls pro- mentioned, reachos the ¢ 000 per i; ar for button i3 calculutod lhfll u 000 pins every day, of which 87,000,000 are modo irminiham. 'Tho saddles made bere aro re-emivent, and famous all over the world, Slectruntating had 1ts rise In Birmingnum, und, five years agy, cmployed 21,530 imen lm.l women. Perry & are fanillar names &8s mauufactorics are all plermache Is & specinl trade. ntia edged tools, Pl.nul cases, and & inlscellany- ous class of jewe! the town more or tition I8 just now bezinnfiigz to be serously felt, and well-founded apprebousions of u steaily de- cline in trade ure expressed by oll the local au- thuritics with whom 1 have couversed on fbe & l)ur export trode with America is dead." ‘This wus the observation made to me by an eminent mewmber of the Birmingham Chinmber of Cummerce. chatts ([ prefer not tu mentlon na to du u large trade fo {ronmongery with the United Biates no longer sends out a single artl. but, {nstead, sells here Amurlcan merchan. oxported from the States.” ‘That ls," 1 replled, **o remarkablo {ustanco of chuner, truly; nnd what 18 your opinion of the Amerizan warcsy” o Jixeellent,” ho replled; “thoy include man ingentous notlo an Auictican fuvention.” He turncd on the guslight ms he spoke, and scemed lust in areat 1y, beat us on vur own eround, but the torifls I.lll us. There wes onee o fataous finn hiere, Vau Wort, relatives of the great Wash- mgtong lhuy dlc‘ sotho thue lgu‘ the truth l-, 1he American trade 18 uver, aud what a trads it wi yl Wy, sir, the Awmericans are sctuall sending us electroplated goods. u Freoch fronmanger in tha tows, 1 am a freo-trader, but reailv 1 think we alebt try a littly pmteulnu un countrivs which trouble” us 1 don’t kuow about Awmerica; but Spaln fs avominable; tuey have wmade a dead set uyalust us there; 28 fer cent worse than any mhcr cmmtr) they think a falr thing for John & um. is [t uot,” | asked, ¢ the labor question which hampers the manufacturer ore than tba reclprocity o tackils # No doubt, ni doubt,! ue if pglad to put llw question of prutecilon *“Prades-unton Iativus have done us scrlous mischiel, atunce of this came under my notice yesterdav, A uluurer was ot work, attended by'a laborer ges were 33 sbilllugs & week, The actunl labor of that man wus not worth half that suin} a boy could huve doue i3 uuluu s4)s a_inan must do (L und hils w; brick handed to bim by s laburer, “'IaL would e fubuy In o far sald tho Blrmingham trader, * would hardly be on exsggeration of the real stato of theoge o Lbis country," Anm. Is o sufer puide to the condition of u( the ulrmhulmm Chawber of Conunerce, dated February, 1878, clarlug that sfuce Lhe previous repors there lad bLecn uo Lnprovement fu the trado of the Bir- ningham districs, Councll, **fs great aud almost uwversal, and probably few years during this genoration'bave apened with wure gloviny prospecis, Mloreover, 1t s to be feared we bave not reached tho wont ‘The vauscs are not far to seek—u suc- cesslon of bad harvests has seriously affected warkets ) pations, both Lmportan® custumers, have been engaged 10 A terrble sl destractive war, pro- upparalieied fnnocent von-cowbatanty, and utterly dis- organiziog sl profitable trude; vor has this couutry, 84 ou former occasivus, suppiled to either “combatants the s or wunitioas of that n the o meantime there many bank- wise, they China, hare the landlorde were the existing leascs are to run 1t fs fmpossibie to by beating down the wretched After all,rent fs nothing bt Italy, of prote: fng ¢ If you had cn- sult. The lead- Maceabs had French eloctric lamps. Meetings of Assoclates. The newspapers were full of Ie Is difliendt to men- constructed. apikes, needles, pirs, Indian From 1804 to 1816, 1,743.182 Lecausn — he ripencd liis inte sho mnde tor ks for ritles and Zimea nlone aporoving, trade for Itussia feit the su- 8 bloody flekd, i employed 50,000 men, Lroolng ien more locks. The aver- 4000 locks ‘The wood. kinds, Screw rerews, The ag- 000,000 grross, or 1,200,000,000. Time doctrinaires! luve uever ‘Tho railway nut aud holt trade orlnated {3 it will die with up 1,000 toos of e foiluee of sheriea las muther- the Cen- muy be write, reduced g e atone's ) tong of Literature, mous sum terials, It nzland manufuctures 50,000, Co., Mason, and penmnkers, 'l Iulr in Birmingham. Pa- Ironmongery and hmipuodn. Ko to keen feas busy ; but forelzn compe- feauce of A large firm ot crican mier- #) who uscd tion, This prul much great cney, had de ot asingle Parl thl. (ap on my gas-burner fs ction, er people,” he sald present- ulteration, an exiensive trade ln exports 3 they closed up their business when 1 was o And thero fs actunl majority estal 1 England said the free-trader, nd Lhelr absurd regue An - but the trade- In the bulldiug trade bricklay V. A man inust uuly lay cks per day, He inust forelgn palic; suggest- ur fionor pleaso to take u brick{ ded to the cnlef workman on 8 benall th buen 8ok resent Slubsiry, haps cven more the reports of the Chmnber uf lug up the lust ofllcial record constitutional, 1 tud the Coundl de- *Tue depression, '’ says tho worth knowiug: ovu the Contiicnt two loss wud sullenue to Seote call U ostuton, ¥ war,”” The report then goes en two of the great Enxlllu outlets, lmflm lfld been nce: Councit desire Lo record their firm ldnerence to the priucipiesof free trude.' PALMER ON GOUDY. aud when lie dula what had occurred. wot o mere galn of by the Opposition. dieation, exilbited In the trustworthy form of arithmetical calculation, indeed of a simplo rule- of-three sum, os to what was pretty aure, fu the abscico of any facts which might prodoce o counter lhnumm wore Httle more than o dozen, mediatele following the Church act and tho Land act hiad leon chioscn as one appropriste for | a forual severance of the Irish Natlonal party from the geuersl bodyv of Britsh Liverals. ‘Their number wus, the party, the wel clearly told mors in favor of the Miniatry than ol tho Opposition have been strouge Lody been system: Sueaking gencratlv, ssys Mr. Gladstoue, we arc at the prescut moment remoty, bevound all and bevond all experience, from™ ration in our con and foreign, n the staty of our legisla- tlon, our ew.uanl:m- our taxatlon, aud our SEyery desire for the slyns®f a change,” continues Mr, Gladatoue, “ except the few whose duty it will be, wheu the time arrives, 1o assumv on our Huancial, which Will o’ decided by the vote of the cons stituency ot the next geueral election. such mavoinde have been fnvolved §o any election sluce the st Reform act.™ Mr. (Huustone’s s of the Liberal party {s baa been very serivus) visited with famine; that the Sauth American markets continue fn a bad state, and that **to the Unilied States, for- merly our wost saluable customer, the exports are constantly diminishing, and to such ah ex- tent that In & few years, unieas a change lakes place, the American trade tn this districe will be altogether extinguisted.” that torm a chicerinl exception to the general depresaion arc said 1o be brass-foundry, edize- tools, tin and Japan warcs; while the jewelry, erectro-plate, an The only industries the hm.y trades, *that con- luce 50 lareely to the prosperity of the town, ehow nn signs of Improvement." Then says the Couteil in significant terma: it Ia painial to oberve that after so tmany years’ experfency of the beneilelal operation of Tree trade in this tauntry, many furefgn iovernments and our own colonics are adopting more restrictive du- «m F;l echally Is this the case with 8pafn and who scem deliberately to make their LurifTa as hostile as pusstbl to England.” Bat, a3 If to ncutralize this first note uf the (rumpel {on, the report discouraging adds: * Notwithi circums vour The Portralt of One Renator Drawn by the Other, Borinafleld U11.) Reguster (Dem.). The Alton Democrat fs of the opiuton that the defeat of the Democracy of this State, at the late election, fa, in effect, the extinction of the Hon. W. C. Goudy as a politictan, and it docs not disguise its wish that such may be the re- ‘The Democrat considers Mr. Goudy chiefly responsible for the platform sdopted by the Hlinols Democratic Convention of 1878, and it 1s this fact which Induces the Democrat to predict, and posslbly causes it to desire, his apeedy cmergence from polltics. It i quite teuc that Me. Gondy prepared the State platform, nod it is equally truc that, to some extent, he used in the preparation thereofl the theories of sach magnificent minds as those of 8am Cary, Ben Butler, Col. W. T. Dowdall, and Wendell Piullips. * Standing on the plat- form" alone, Mr. Goudy does not rise much [ above his fellows, though that precions bit about *! the prerorative of issuing bills to circulate as mancy " «hows that be is a man of mark, even whille bis greatness is somewhat obscured by y his But It should beobserved that, in the prepara- tlon of the plattorm, Mr. Goudy was hampered Ly the rules of tha Conventlon, and was under tue nceessity of rostralofng his intellect or holdiog it down to concert vitch. 1 Magic and Heck were tied together, and hung over a post ufter the manner of a palr of cats, they might, alter the blood ot well fnto their beads, es- scdally if thelr mv.‘uul faculties were stimulated v the lght of a fuil moun, vroduce a piatforn largely fuferior to that which Mr, Goudy But wot nn the platiorm alone rests his title to glory; it fsdu ki specch pre- pared st Chicago, and printed and dlstributed over the Stute, that we have perceived the en- tiro man. 1n that speech be 1s himself alone; alone of chulee be untrammeied, that bis mind inight and alone of necessity unapproachable. — 8ome forty ycars of luld; and practico of the law had & suarpened his facultles, on he does in um.:peeux that *“Congress can cxercise all the powers not prohibited by the Constitution,” we are bound to declare that he has reached a_concluslon en- tirely orizinal, aud one which the Chicago capable of comprehending and With such knowledize of tne Con- stitution and its conatruction, ond such ac- auaintance with the various expositions of the fundawmental law us an humble editor may claim, we are bound w say that nothing lllyx ducluration hos ever before been given to the publie. Whtle mu-l.lpaunla have been Llindly amonz the e this tonibs of such men usdeflerson, Madison, Benton, Clay, Calhoun, Webster, and Douglas, and breaking their intel- lectual sislus, 08 wue ma; stones of dead tdens, M run on the platform, reachics the conclusion that the United States Uovernment is one of s prerozatives,’ and then, leaping juto the air, toldly careers uoward untll he reachics the lotty laght where his cagle eve percewves that al) powers uut o terms probibited by the Constitu- tiun are to be excrelsed by Congress. And yet Perish the thought! For, us we eard such a construction of the he alone “can preserve it; aud (i, Loug |uay ne live, many plutforns may he prepare, and many speechies ENGLISH ELECYORAL FACTS. Condition of the Liberal Party—Mr, Glad- Lutest Contribution to Iolitical Mr. Gladstone Is heard through the pazes of the November number of the Yineteenth Century on the subject of Electoral Facts,” that electoral counts aro disputed as vigorous)y fu Great Britain as they are in this country, The Parifament chosen u 1668 on the muportant {ssug of the discstablishment of the Church of Ircland exhibited sn unexampled phenomenon, At tho commencement of 1874 the turn of the wheel had become so declsive that the Minlstry was supjorted, In leu of a compact majority of 112, by s majority very far from compact. and rapldly diminishiog, of sixty-elght members. * In this novel lnstaoce, the public did not at once weasurs with preciafon It secrna® the sigalf- It was present strength It was a probable ln- 0 buppen ut the general eiec- ble (ndication becumo in due ttmo un accomplished fact, aud the Conservative party returned to tho Huuse of Commons lu n majority nomlusily of foriy-eight, but really of cr strength, mind of the natlon, For lhe first time tho tested b the coustitu- lvel» altered du g the course ment; and the bye as we now see In retroapect, bad previously sup- plied sulivient meuns of prognosticating the It 18 evident that, under the circum- stances, bye cloctions had, 80 80 spcuk, recelved promotion tu rank. They had acquired a new slgulticance and had gatbered, not only an In- creaso of interest, but a new kiud of tnterest. “This nuwerical account of the dlsaster fo- Gicted ot the general electlon, serious as it is, does vot exhibit the whole measure of the ca- ity suffered by the Liberal party. cral majorlty reckoned Lo have been returned from Ircland was st once found to be fliusory, In truth, out of the 103 Irish members the Liberuls tions, The Lib- ‘The perlod fm- ‘(nu less than filty-eight, an the Irisa representation, 'llnfl assymed |hu name of *Home Rulers* and lishied & seporate Purliamentary vreames- tion, Un somu questions of liberal ¢ m»l»lun ©o- opuration was still contiuucd, But ns rozards it of the Home Rulcts has nd the Libersl NOL WraKer, cally abscut,” ty would the entire robably have been under ditdun, buth Liberal way Jook with spousibititics of uilive whicy have 11y aguravated by the polley of the and, It {s but fulr to add, per- by the vulley of the present Parllument, which bus checked them fu pothiog, und has ordinarily urged them onwarnd Lo every wfschief of thelr carcer, It would be diflicult to cxagirerats the gravity of the iseues, legal, and Imeruntloun, Nows of ** 1t 18 sometimea surinised,” be writes, **that the Liberal party, however sound uud honorable us to the courmous ma- Jurity of cuses, ju It persousl composition bas, nevertheleas, whicu compared with the oppasite combiuation, u lunger fraction of adberents wlhoss bussuils aud position are. to s certadn ex- teat, untixed, aml who are therefors wore open tuthy Hiful jufluences of persouasl ambition. And it 18 3 wiatter not Of surlae, but of cer- taluty, that the szgreate coergy of tbe Lody dimiulshied by whal the e divislve courses of” scctional out doubt this Jo- 10t collective working superior which its wer must be fn part set down to Ita orco vt healthy indlvidnality, without encrgy of movement and (te generous love “of fmprovinz changes could nuot bhe malutained. Aud so far the price may ope contentedly pa'd, as for A rcal benefit. But the mccts, which nestle within the rnny, cannot be treated gnite a0 tenderly. Thelr characteristic s a Habllity, far from uniform, yet too Irequent, to make out of particutar and faotated questions, which from any cause have & special nold upon their con- scientious gltachment, a kind of idola forl, for the sake of which the whole mass of the gen- eral public Intcrests are Lo ba sacrificed. Te- nackty of predilection ls madetostand inatesd of paramount weight In the onicel. itsclf, and alt vroportion of {udgment Is loat. Under thess sectarian or local fnBuences it happens, more Irequently than the Liberala at larze are aware of, "thot on the occurrence of parllamentary vacancles, and likewlse st general eiections, the party, lustead of ecttling ity subaltern differ ences within fteetf by a judiclous organization, ndvisedly severs itaell Inio two or more sections and contenids againat the political adver- sary a8 If with one liand free and tbe other bound, ‘The couscquence fs tuat & majority is broken up Intv two or three minorities, and Liberal constituencies, becaitse they can only se- cure agreement with a Liberal candidate on nine points vut of ten, make over the seat to s Tory, who onall the ten ia against them, Noinoreloge- nlous recij.e conld be fuund in a self-governing country for solving the vrublem, apparently so hopeless, how to devise n method under which, where the majority prevalls by law, the minori: ty shall be In Tact supreme.” In conclusion, Mr. Gladstone says: “ Exae- geration of staterent, always unwarrantable, wuttld, §n iy judgment, be especlally injurious to the Liberal party at the prescnt time, In pro- portion ns Lbe issucs upon which it is engaged are eapecially grave. It has yet to learn much in the urimary schuols, In the three R's, of mere self-dlscipline, And these lessors It has to im- Dibe, dizest, and assimilate in the midmost heat of the struggle withils oppooents. For my own part, 1 think the main duty ia to bring all” facts which bear upon the case Into the light of day, be they what they may: so that, when they arc referred to the final and responsible Judgment of the constitucncy, the people of the country may not go bliudfold to an lssue in which much of thelr future welfare is inv lnd. W ouR Fonmun SERVICE. Expense of Ministers—Fees Pald ‘fato the Treusury by Consul Washington Past, Mr. Ela, Fifth Auditor of the Treasury, has submitted his abnual report for the last fincal year, and it coutalus some figures of a good deal ot futerest to the people of this coustry. Tbis report cxhibits the expense of those fnsti- tutlous known s Foreign Missions. The amount paid for salarics alone. during the year, reacted s total ol §81,917, wholle for “con- tingencies the sum of 850,308 was atlowed these diplomatic ducks. Add to these amounts 81,813 for *luss by exchange,” and {t makes a total of $334,030, which the country pald for the ‘mv(lkze af malotainiog the Missions alone, not including the Consulutes, During th ¢ year Kusson, Minister to Austria, drow on his own account $#11,804, nmi win ul- lowed 81,008 for contingent expenses; Hilltard, of Brazil, drew 88,021, whils Washburue, for uw > part of the year lic surved at Parls, received ', und got ¥4Y0 fur cont &gc"ll, Mr. Noves S50, mad g Do aomwed S5 1L o oren runvenlem. contingent expenses, Bayard Ta; for has drawn §5,850 for his services since be went to Germauy, and he has taken $G27 for cantiugent expeuses, For the time he has beea at the Britlsn Court Mimster Welsh has drawn 811,650 In additlon to £3,033 for *small expenses.”’ Io addition to salary the Mexican Miulstry has cuat $1,002 for Lxtras; the Rassian dl?lnmnu have tuken $1,6855 Lumll. of Spain, §2,175, and Maypard, in lurka\, 82,444 for the same indefinite purpose. ‘The n.norl shows that the ornomicotal dispatch agents are still u“v"l)m at preat cxpense for very s service. These ‘*azents ' are used to dispateh an luvitation to dinner to some aristocrat ocea- sionaliy, and for this service B, F. Stevens was paid 87,399 during the last flscal year. Under the indetinite and unnth(nclmv head of *‘cou- Ubgeuvies " the American people nave been taxed ovurm(x)() by their Minaters abroad, oJust what this term might cover In tuls tase, no feller will ever tind out. Last year the total amount paid into the Treasury. from Consular fces was $0635,014, which was $110,2401n excess of the total salaries Among the more jmportaut Consulates the followtoe ald over to the Goverument the nmuunu mentioned in fees collected duriug the Atuoy, $2,008; Acapuls an 24, Amster- dnn 8L,169: Antwerp, 84,7 Barbadoes, 104 Darmen, 87,148:" Crefell, 83,714 Dus- seldorf, $1,020; Hasle, 82.005; Olton, 81,7043 Belfast, £0,025; Berlin, 86,820 Ucrmuua, ll, mrmluzlmn. 4,010; Bordeaux, $8,115; Lu’ 81,2 Bradiord, 811,68 Bremen, 641 Bristol, $1,112; Brunswick, $1,070; Brussels, €3,161; Hucnos Avn:fl. 83,050 ' Cadiz, 81,191} Culeutta, $5.572; Calluo, &3,70; Cardull, 82,0103 Clucmnitz, $10,2] L‘lt.llllltlul, il U35 Cootl- 00k, c.;,lm. 'Colowne, 81,487: Col Lurmn:xb &21; Demerara, S2035; Dresde & uvlin, 81,5043 Dundee. 80:411: Dums fernline, ALK Florence, 81, 3; Franxfort-on-the-Main, ' §3, 106 $2,361; Uenoa, 81&14' Lin (kl 0043 Glascow, $0.339; Stratfo) 5424 Wi Hulltax, §1,706% Hlmbllru, urg, $1,475; Hamilion, 14013 23: tlavana, 818,57 Hone Kong, $14,060: Kanazawn, 87,400} Klnustun. N.H"* Port Autoufo, 8LUTL; lul.u-m. 17013 Lecds, 8 H 81,7 e h‘n\lluld Leipsie, 85,1 l.immml, 5 2, 15:2 ' Lundon, 350,bIN L)m .(dll'T. zf Hleles Mauchester, 810“’0. Murnelile: 3045 Ma- lavzas, 83400: Melbourne, 8 Menslua, 20H Montresl, M.-H' Nottngham, £5,569; Nurembere, i Puris, 8411743 Rio de Janeiro, 80,480 a hanzhat, ts‘l. Vienna, 0% vl £4160% Leghorm 1852, MUSCLE OR BRIAIN, Dnes the Former Aloan Aluko Wealth ® At the recent Commerclal Couventlon held in this city, Mr C. C. Coflly, of Buston, made a speech frum which we tuke the following vx- tract, which strikinzly presents truths that are too uften overlooked by the general multituds, and especinlly in discussions on the subject of labor and capitul; Aruthe cords In one man's grn entitled to soy more rights and privilezes under the law than thao the cerebrim fn another man's skuli} 1s musclo entitled to more protection than bralnt ‘Ihe iznoramuses who are shouting “labor-retorm,” *laborers’ rights,” have not ouly confused [deas in regand to capital, but they also start out with the ossump- tlon that muscle alone makes wealth, aud that brain ls of no account; that the men who diz with the spade, -Lnka wuu the bam- mer, or (olluw the plow, ur draw waxed end, alone adid wealth to the c mmnmm while those who sit (0 thelr chairs aud thiok are genteel ldlers. Let us see. To tlll the ground 1s houcest and commendable work, To usu the hoe or sickle, tu atrikie with tho hammer, to pull the waxed end, from worn il wight, s wearivonie work. From the days of Adam down o the prescot peneration, inen cultivated the soll with a rude, Ilnl:lhlli nlnvl or harvested their wheat with thu sickle ln cradle, To bend down with the sickle ull d loug brought on tho buckachoe: to swing uu eradly from suwrice U sunset mn man st lu the joluts, Forty-funr years mwo a man down i Marvland, Ubed” tHussey, began to think sbout u betier way o rnplm{. He thought aay and nichy, snd dovised = reaplog.wachin T owus a clumey ailair, Cyrus McCormick took up the tdes, otuer men took 1t up,—spending wourisome days aud sleepless nights,—spcuding sheir inouney, bor- rone, 1o build rowiug when thelr own w ‘Tuiey set thousauds of nien to work. ¢ how “uany. Thery were the men who cut down the lumber aud bauled It to the saw-miil; the other lumbermen who cut down the thuber to butld the mill; the men who made the axes and saws; the iiners who ""“i the tron sud coal to muke the fron and stecl] the mon wio bullt the lurnaces, aud (ounurlel. and rolting-milla; the mea who puddled the {ron; the molders, founders, coal-beavera; the stesmn-englue crs; the tool-akurs, brick- makers, msous; the wen who burned the llmestone, who mode the casks to hold ‘o Jlwmet the mortsr-makers snd hod carslers; the teamsters, the horses wad oxcu; the bolt, rivet, and sgrew wukers; the pulnu:rs. the palut-makers, the oll and varohh makers; the farmers wbo ralsed the fax aud barvested the sced for the oll; the cot- ton-plauters of the South; the spiuners acd weavers of the cotton duck: the raliromda u* shivs 1hat trousported the cotton, iron, and cual; the brukemecn. counductors, engineers, sad llulnen the Jallors; the merchants, the uuk-l.—xhu “whols fraternity of trades uod ve- tiuns. 14 theso men all work on credit? Did they Bot recelve their pay cvery Saturday lzht, or sitheend of the month? Were buey ot all of thew st work & lons while before M. Sle- Cormlck sold bla muchiocst Wbo sdvauced thelr \n.zul Was it uot the man who by thrlit aud fudustry had sccumulated some jooucy, which be uad fu (he bauk—the bloated capital- it so much deridedi Who gave sll thees tuen Woo liztited the tusr e wha et latost the mills, the steam-engines, lha oxen, horses, locomotives, to workl Who but the men who spent thelr days and nights in think- {ng: who tossed on aleepless beds, with weary brain, 14 they thought on The trains. of wheels, the pinfons, |hu bands, the bolts god rivets, and cutter-bars,—how they should be arranged to do the work of human hands; to save men from Lackaches, and enable men to earn thelr breat more cheaply; to redeem them from cnforced toll; to save the 'elr and tear of muscle: to make Iife a ble: % instead of & curse to myri- ads of the humanracel Itwasthe Inventors who bave done t| ‘What clée have they done! Wa will take only sgricultural machiuery. Our exports of all kinds of breadstufls for the year ending June 30 'umo;mr, Lo one hundred and eighty-one milllon dol- lars What would they have amounted to if the idea of a reaping-machine ncver had dawned upon the iuman mind! ~ What would have been the acreage this year I the cradle and sickle wers the only {mplements that could be used in harvest,—~iwo scres a day with the crad lflln". fifteen with the aclfblndlnz reapes Bhould we have sent a dollar’s worth of bread- stufls to Eneland if we had no olher farm- m-clhlmry than we had in use forty-four yesrs ago To-day the raliroads are employing all thelr rolling-stock to carry the agricultural products n( the country to market; the millers of St. Louls, Minueapolls, and of ‘every other section are keeping tucle maclinery fo notion day aud night to meet the demand for flour; while the farmers are rejolcing over the fact that st last, through thie (nvention of the selfbinding resper, they are emancipated from the tyranny of lhe sriny of binders who have made the farmers’ necessity thefr upportunity for extor- tionate wages. Yet, strange to say, the loudest complaints against & continuance of the pres- ent protection to inventiuns comes from tho farmers, who wish o get their reapers withoat the payment of any rogalty; and from the "".’z’f" and railroads, wha are vexed with patent sul During the last sesslon of Congress, an at. teinpt was made to modify the existing laws adversely to the rights of the fnventors: and it is possible the effurt will be rencwed ihe com- ing sesslon, Undoubtedls the prescot law s -m\cenumefl ameadment: but we apprchend that Congress will act with cireumspectlon in the alteration of laws which have done 80 much for the prosperity of the countr IN ONDER 10 ACCOMMODATE UUR NUMERD Patronsthrouzuodt the cily we have established Brahch Omces In 10 diarent. DIvisions: as Gegmais below, whete advertisements \wiil be taken for the sate brice aa charged at the Main Ofice and will be recelved nn::;nuu siock p. m. durlag the and unill 9 p. m, e News Depot, I [ onsl\l.z-nr'r. B. BOYD, ROUM 7, £2320506 ‘lot Teft, 2x1m feet on Tnd tween Fortysecund and Forty.third: on _ Vrairic.a rur:y ~Third-ata., east otd il be ofle Fedat s Jou du bat buy; taere Butle S0 e bioci ta Tie- acring creass I8 In vatue; It I- buultml FUreet-cars oavk 6 Tromts 1ouk at St: 760 Canmat o aar btuer'lm uur niuney. 82, CU- T1A1F cashy thie 4 brick stores and ground on nar(lwest corner of diadlagn &nd RGNS pLs.§ LA Pruperty rents now for a0 1t wlll pay 10 per cent Brii tiaL s better than you can lovemt nioey a wliere: we are golug Lo scil this A 3,401 &z hound Btore Tixk good south Tront, Between Lincom and Hobey. o 7 onroe-sts,, ricr [ CRICARS (o The wrand enirance of the eput of st rallrosds rugning into Chi- : the hnualnn \ow Fess Far #1003 per monil, nd :nhule:‘uy centre of the clty; yon can buy | and jot1 this house you wi iti between Lungley and Vincenneaaens 1t ceriainly chy cap. B ) W] room 2-story lr-mnld-m!nr. CUBL B2 50 10y Inlll uml SN Curger of Stew- -av. and Fifiletis-at., close 10 car. hop- and btuck- £1, M0 Lot f0z0) on mumem coruer of Ogdea-av. and lacksor sement brick nuire of J, A. BANT- Setonrt, . SUBURDAN REAL ESTATE, JPOR EALE_st.00 WiLL ¥ d Jotat Latirancet monthir. 1A HIUWY, 1 KD=TH ST Lot 1N e socatiouwon est Mo S an buy tor 1 A, OSBULN, 134 Lasaties . wo EXCHANGE. o all wholes st For full parif:uiare *Lreperty and brice, PO EXCUANGR-CASIE AN ND It AL KSTAY ! Fl)lfi Lros- E and grocer) Addrean, 1 poct 13 m " Exc T 0ws T Im}lvuvhl. tltle terfect, that 1 wiil e fof {"fl full plrllflllln\ 1 mesu lbll:mk& lifary. siock uf poodsy A fi« (XD, WATC hr(mu-om . il AU, AN\‘ BUSL | To LOAS ON H'u\l’ll‘ afsmonds, a1id all goud securitic lovm 3, 1 1 unu«l st 1w PAID FoR O, Moncy (0 luan 07 wal of every describtlu unice (licensed), MADE ON PLH\-I‘I‘LHK x\ -mox'r ptanne enrbos MusEy 0 [ i AUIT AT LOWEST & CO., U bearbarn-st. X 82X TGN, 85, ‘"ll-hhl!& NU\H. i iumum W ASTED=A LO; clichi years on gage, interest pavabic wauusilys or sl seil 16 Improved land, geod dalry lll‘m. at $ 44 pur .ul‘ 1hird vash, balaare to' sult purchascts, ats pu: It ‘or parifcuiars abd Lo view the land, uli V. b WEIGHVALAN, Burna Viss Furm, tlirce i euat ot tiunilcy riation, Mclloary Counts, (. 1 address, tuntley, 1, OAN 0N IMFIOVED farm ‘loans wanted, 4 State Ag ortnwestern Mutual u.u.x;uunum Cumpuny, trandolih And Leurborn- 1,000 10,5045 Rdress 1 ul. Vhlogn uties. ____BOAUDING AND LODGING, __ ¥ FOIL S oit 0S real eniale at o pnr ceni. AND T NOUTH | CLARK-T. - O fit T, o8 plang na bathi duy bo-r.l (2 D EAST IN 283 LT toaius, heated by furuished, » GENTLEMAN WITH™UNQU STIOSED ) mncewu»ummnno pay iberaily, can tind o Bue furnisned fruat s bed-rouin Wit Ud board 1u & refned hum-n anlly ou the North dide, For_particulara, sdireas K i, Tribuno oftica. Ylllfi'hCl-M!! with uss of T«T RENT, DEC, 1. 1 sotond flant vuutir romi aud grate, furulalicd or un. Hoteld. Byinek nuuflh mu. JWABASILAY, AND aruticd, Pleas: @ frat-ch AND ,l.n? bTATK' o s ioart st [T JUN wom: per usy urnlabied rouss [‘\\m 11 HOUSK, i1 KABT WABHINGTON 5T, — war rocin s hoard, lu-m hn:ll,n come utal TEL, TR L tivod roas b d fur the wi oy W NDSOTE unu:;'m STATEST., OF -m n ‘n 1 . .n;r&:,. laP 7] Mouse™ taoin. sund i 4 Fraiuenty MUSICAL, 501 BALI mx “EXCHANGE FOIR A GOLD ‘walch wad ¢f lll—vmblbl‘lhfl nldl.l..flfl h- oud s violla 18 deress b Gty Nribune. IUEAT BARGALN JOURAT uumnn-' coN AkblluflAh\i. SECONB-HARD LRSS e wid A_gnlfinl:lu. TEW UPRIGIT FIANOS ANOA, N wt;fl;{;“ Sew onaans, “To reat of for sale oa Il e IMUALL'S, l‘urfil taty lfl‘ A‘lflll lll. Al AxD SICh lluu:‘ 4 curulla, cured frew of cuia lulllbh AMMONIAL Ufl'lllL ‘D"Al-l‘ 'IIIIIJHIAE!. R L Ty R it sttt Sk ol atheners Gabictiuc neiis ] ) “7\: LU:;N‘C' bend for vutaphlet cuur g 0 Fafarki TR h5, 120 Weat Brosdway, New York. i, VAR BCTARCE, WREVENSSR "a el s valy for borses the llalueat tn yullow wrappers. Trial slic, 2 cen | AYEED- AT 1L track, with or wilhout homnes, Coleavo knxmu W tuvian | oy any, bd Lasul _HACHINERY, 1‘“" BALE—] 1N ‘\LI\DMI #4Xa BIDK- Valy 3. 2d i the niud T 4 uiciila: 10 Uther tugties ~anflug Lroui 81 23 Burees Lullers, frew § Lo 0 liotws power stcats pu e Trou Bud W Latlica €4 aud o alaltiu g, pullcya L1s Maclivery D WANTED-MALE HELP, oepers, Clerke, & >o VAQTRD-AN FXPRRIENCRO RELIADLE gno rerycierk: miet be s German, B, R, 170 Bouth Nalsted-st, = Eraacs. PRACTICAL BIINOLE-SAWYKR ihat ean keep shingle In order and ron A Band.fecd oun xaw (Ryarue patent) shingie-machine. e ¥ nmh’fllnmlr"“fl!mtlt. A‘rvl] to 'l'” LLIAMS & LD, \v ANTED-2'GOOD_ COATMARERS Lfkers and 2 vestmekers at 42 l\rthfl' av. L ha, d good prices pal WANTED-A n T-CLABE COATMAREL fentamaker, st 870 Cottine-Grovear: TANTED — TW0 CARTE, FD nun “ hlullmlll to Into lh::fl‘:fl‘fi?’;d l"fi 8. perday, ApuiytoM.T. A ANy CoOR APPLY »F ANTED A PIRST-C e i W WIGh Gt hmmedmaint ‘:“um AT RO. 13 Avrzl:n.f ployment Agenciess 3 00 LABURERS FU . Vot s o i, Tares &r}('w‘ Y v‘q‘r’:; ehenp ticKets (o ad) | pointa ot at . . m»zlml:ch’s. 31 Wen Ihndmp LANORERS 7 {ovee laborers for m-lnlppl. day and board, Far cheap i fon oy to CHRIBTIAN & '"fi'a TAY INhusTRIOUS and temperate man hhout ehi- URINGED w1l Tarmime. Who. can Kkeep tima- ,j pcrlnr;!; $he work of ths pruprictor fa I of natlon by 8. PIRGR RATIR: Dos 316 FIKUS BARKUK. | ‘Chicago, who wil giva DOURLE Vnrvn—su.:sslm FOR 1! VED Secdic attachment tasewing machines: soma sin- #ie or doubic, any wideh, strung b actarers induren it all reouirs (6; Dandsomely Anian- rdx en:nulve nnlmry. and beat chanece for maney ever ofiered. 133 Maditua-st., Boom 11, Btate sgents il VAYTF"-NI X GOOD “LIVE MEN © TO PEDDLE Snc-claubrandof cad wnd buik eysiers. alva Quh. to the city retail Qwners of & horse aad o need spply, A. s 34 Dearborn-at. ‘vA\'rrn—Mzr T8 TO SELL BASSKTTS LAUN- H. HALSEY, Gsnden City ilotel, i NAE nmim"u ELEVATOH TO :m.u lou? REW AR atlomery. o low prices. WANTI:D—E‘EMALE IIELI’- Domesticss VWANTED-GIRI-1474 WAUAS RCOND housc south of ') wenty-eight| xplricncea cook and laundres, Apply me-flnn mll.l llu Al VA\T D—A CUMPRTENT 0| m ‘v ED=AT 731 \\'F.!‘I‘ !uwnur -8T., A NEAT and Keneral housework; wiiling German or Scandiuari in nre!cruu. WASTEDZA | OEIMAN “cOOK™ AN pin & private tamily. 064 Twent! m : 4 Twenty-nra r!x. CONKEI a1X. aced WANT T CITY Neerin g neteste NG 0 good, exverds: dinlng-room giris. WANTED=AT i R-18TAN herman-at.s & Hood iniag-room kel 7ANTED=A GUOD. TIDY ®IRL \ housework. at 33 Pult o FOUGRNERAL D TiOUBK, 80 VAN, S st o housawork fa 8 small fagifly. SITUATION! WAN’I‘ED—"[ALB. N neral ‘Trages. L’lfl TATION WANTED-A FINST-CLASS cmm\(o 204 l1thographic artlst Tty in_Decuta- Der 10 Becent SapaRement Lot s g apecimens, address, vun real name, UHIO u. nuumumn utice New York Heraid “miscefiancons ITUATION WA\T D—ll\' A _YOUNG MAN AB bartender, Speaks French, and Kngllah, Ho'l'cf-lfld CAperience tho 1ast E1ghE years st the Unest the Eait, My Tecommenied, Can Eive It requl A Tri ddreas il 2 bune oflee. Demesticss SITUATION WANTED-BY A COMPRTENT o tu du general Lousework In private (amily, Fast 1 tarrison:st ITUATION WA X geacral work. ATION WANTED=TO DO HOUSEWORK L nail tamily or take care of chiidren or su lnrlllfl. Uiz Whiie: TATION WANTED-BY COMPETENT AMERT- Can K1rl a8 conk or to do general houseworks references, Cul at HOW. 749 Madlson-at. slTUA‘rlu\s Tlm-l Y TWO GOOD GIILS du gencral lousework ur second wark in small s linve the best city references, Call for two n'n Michigea-a) QIIUATION wnrrn—w A BMALL PRIVATE {ailly as sccond giri by A good Gorman girl. Pleass can s Jen NTED-BY A GOOD 11 at 44 Unon: TRD ~BY A FIRST:-CLASS -lu genera] works would prefor near 0 puatals, Meferences. U8 Cottase S TUATION WANTED —FOT THE DEST GIITE TR {he elty {0 do geacra housework. - licferances ua- et Twentieth . 1 ¥ A NESPECTANLE }in & private famllz; oge who urderstands sli wa d can Rive first.cises reference. No. CATION WANTEI-IY A KWEDTSH WIDOwW Wamiaik t9 4 hOUMWOTK 10 DrivAle famtly. ADDIY. &L Cornelin-at,, up-stairs, S WASTED-TY TWO SISTEL, GFIE ony &8 01yt and oue s secand gifl; weil 1 orth Halited:s OUSEEEEPER IN A ql'fll ATIU K 8, WANTED- illower's fainily Uy & Younk. Widow 1a9r: Frintu ormen, o F Foude e Employment Agencies. SITUATH)\\ WANTED=FAMILIES IN \‘TD D? ood Scaudiavian or deruna fomale | supplied at . LU Ill\_MlhlAllk Diia ITUATION WANTED—A LADY, EDUCATRD, RK- S et emmcicut, would Jtke to' tuko the el T &Ny pusition in a fuwll <und’ Judgmiont would ba of us riter; wonld bo an en- T and W tertalutn cuniranion for so Invalids references ex- niged, Address L'ost-Otice Box 4718, New York 821 PEI Tl l-P M’. T\\'O sTflIiY %t Trathe daretiiy H hlu:xln . A O, oot b5, o sonia North Siae. O UENT -3 M house, 16 Nurith Lasm! lmvmv:umn- Inquire at "'0 MENT-1100: 0 BENT=TIUEE FLONT KOOV, XO. 243 WES1 \iisaniat., et tnlgruecuichi s Bousebenplic ient tow, 1y WILLIASE 1. §HUMF208, el Tadlson-at. m IIE"T—NTOIKLS‘ OFFICH Offices. '[\o BENT-OFKICES ON nECOND FLOUR. 1N quiraat Hoom 3, 104 Clark-st., I furvnvon, J, il LAY WAN'I‘ED TO KIBN'I'- Rt 1»\*3.'6'-'10 RENTZ 0§ TOONR, TR ‘Detween dia lisn an 11 west uf audress 1D, Tuh Woeat L dll!bhl.h&\hfll}& 7o \ At i o i Knu u s Jopenusheen dmumd e o nny o el vT Ill\ In TR FUIS DAY IEzwn thoun tne dvin. XL W. WHRELRIE & Co- Thicnao, Nut. 1, I8Tn PANTED -sOME WISDF) WS oy et 2% o8 druss I\M'k trinune uillow. PARTNERS ‘\’AK’I’ED- RTENDS 10 HELP A ndon, Kuglaud, Ad- ED—WITH CAPITAL TO 1N Dateat bridie-gate: model ou aricat., basemont, TN ER TO JOIN ME in unlnllllln bk 1oy tar tlgsted; & CLso et uluw. Addrese 1 v )AIIT\‘KN WANTFD A Gl 2 Rleasant and legiiitial seadited nn Inyesiiy, "_LOST AND NUN‘D- FOCIER o, o A SO -xuuu'.p'. BATKRIC & LAV R, 463 wate st \o\, o, “ALAKGE, YELLY Tk lruu'.t.uflunm:,ml.cuuu.sb ] ]‘ d: udyaucelmade, 10 W year; maney aned luwe Talea Ul Koo 86 cur, Mnnalnmuul. 100 W. D lou g‘l‘um\ot FOlt hl-)-LllAL m.m,nubur. ulidinz, 65 aud &) Wesl “Waskinglon-si. nd sem umuwn ACE. Blsiiol. : UL NATIONAL BYOIAGE COMY. 1w Frauklin-at, Ceacral locativs. A loweat pates b 1o iy, L MOUSEROLD GOODS, i |'cu JON FUENITURK COMEAN 0 gu.. acil ail klnd of hmmunu oy ud e \\' Y. 116 AND vADCus BiEdes Low prices; casy a ELLENT BE0-100 furliury picturc elcs sl bo sl witiis sl ufim take what yod wan, s 10k BA “MACH V. AND uigcails (nearly uow) pertalulag 10 the fure uf ten's bore', ‘uul aud Chinireu's pe boota. wumien s, b hldrew's ikl sburs, sad Liew's 3ad wowicy's bewcd LR S R e 11X