Evening Star Newspaper, January 15, 1891, Page 8

LOCAL MENTION. ‘The Weather. FORECAST TILL EIGHT A. M. FRIDAY. For the District of Columbia, Maryland and Virginia, fair; slight changes in temperature; southeasterly ‘winds, followed by showers on r. CONDITION OF TRE WATRR. ‘Temperature and condition of water at 7 a.m.—Great Falls, temperature, 36; condition. gi ition at south connection. 36: distributing reservoir, temperature, 36: condition at influent gate house, 3; condition at efffuent gate house, 5. High tide in the river, 12 m.;low tide in ‘the river, 6:11 p.m. Messns. Sorta, Lowry, Fewell, Holer with American Concert Co.” Universalist Church ‘tonight. For Tur Cnotcest Bras of sberries, ports, brandies and gins, from direct importations, the old reliable house of Cunis. Xaxpex still takes the lead. 909 7th st. nw. One price oniy. For Quick Parstixe go to McGut & Wattac ®, 1107 E st. n.w. Pavons for the german. Govip's, 421 9th. Rewsaxrs.—Shirting prints, fe.; muslin, 4c.; fine satteen, Se.; best ginghams, 1Uc. Sreay’s Dry Goods House, 904 and 06 7th Tax Berkeley. — es Ovr Exrme Stock has been reduced 25 per cent for one week. Exszwax Bros., 7th and E. 1 Quart or $1 Warsxy for 1 quart of ¢1 Jamaica rum for 75e. J quart of Catawba, 2c. checked THE DEEDS OF THEIR FOREFATHERS. They Were Celebrated Last Night by the Sons of the American Kevolution. A BRILLIANT GATHERING AT THE FIRST ANNUAL BANQUET OF THE ORDER—SPEECHES BY REPRE- SENTATIVES WILSON, BOUTELLE AND GROSVENOR, GEN. NETTLETON, MR. GARNETT AND OTHERS. ‘There was a decidedly revolutionary tinge to the atmosphere around the Normandie last night, when the clins began to gather for the first annual banquet of the District of Colum- bia Society of the Order of the Sons of the American Revolution, which took place then and there. As a gastronomic, social, mental and revolutionar$ event it was a complete suc- cess and it will no doubt be followed in years tocome by others that will make the name of this society famous for its feaste. The ban- quet was served on fifteen small tables, accom- modating from four to six guests, this ar- rangement tending to a diffusion of conversa- tion and a generabty of enjoyment that is un- usual at such affairs. In the absence of Admiral Porter, the presi- dent of the society, Gen. Greely, the senior vice president, presided at the head table with Gen. A. B. Nettleton, assistant secretary of the Treasury, one of the guests of honor of the evening. ' After the coffee had been served and the air was being rapidly blued with the smoke of seventy-five cigars Gen. Greely opened the mental portion of the entertainment by a short speech, in which he regretted the unavoidable necessity for his presiding in of the ad- mira. He spoke bf the remarkable record of the Porter family and noted that it was for- tunate that Americas sons have emulated and red the fame and the examples of the great men of the revolution. He quoted some- body to the effect that “fame is the fragrance of heroic deeds.” It was a cause for congratu- lation to the society, he added, that, although Cuances KaaeMer, 737 7th st. n.w. Gas Frervres, Pirwive, Heatrxo. 8.8. Suxpp & Bao., 432 9th st. Berxeter is pu Bmore Lveas, violin soloist, American Con- cert Co. Universalist Church tonight. I. Auexanper, 477 's, 1427 New York avenue, Kirsch ice cream is popular; chicken croquettes, $1 per dozen. A RepectioS of 25 per cent on men's, youths’, boys’ and children’s clothin; SEMAN ‘finos., 7th and F. Baxens’ Cop Liven Om asp Mazz arrests cough, increases flesh, saves life. Thousands endorse it. Sold by druggists. Bexxersy pure rye whisky. Pune Care's Foot Jey, fresh every day. T. Janvis, 426 9th st. nw. Carawna WixE Te. a gallon. Cuances Kraemer, 7 7th street northwest. Master Jonmx Hare Universalist Church ‘Tur. Frvest Frontpa Oxaxaes. Direct from a famous grove in Florida. Large daily receipt. Krsostey Buos.’ Crraseny Co., 927 and 929 La. ave. American Concert Co. might. Mex's, youths’. boys will go (for one week only) per cent. Eiseman Bros., 7th and E. $4 Pex Garzos, £1 per quart, 50e. a pint. Visrr tHe Enprme Carrer CLeaxrxa Worxs, (31-635 Mass. ave. n.w. Telephone 425-2 ‘Tue well-known firm of Johnson Brothers supply more families with fuel than any one | firm in the United States. SS. Sumpp & Bao, 492 9th st. Maxrrov Gixern Cuampacxe for Christmas and New Year should be in evecy household. None alcoholic. Cusries Krarwer, 737 7th st. n.w. For Oxe Werx Oxty. 5 on men’s, youth: Lamps. Tuanr, 813 CITY AND DISTRICT. AMUSEMENTS TONIGHT. Auravon’s.—J. K. Emmet in “Unele Joe.” NarroxaL.—“A Midnight Bell.” Hangs’ .—*‘On the Frontie1 Renwax’s.—Weber and Fields. Ustversatist Cavacu.—American Concert ‘Company. Music Hatt.—Boston Symphony Orchestra. aeoaren tics In the case of Pestor Holmes, convicted a few days since in the Criminal Court of larceny from the persou, a motion for a new trial has been filed. An examination of candidates for admission to the bar will be held in the Bar Association's rooms Saturday morning. pb Ste sare, box has been laced on the Kirby and N rooms last night to celebrate the birth- iversary of Mr. Wm. G. Betts, its presi- Songs, ches and recita were in and @ supper was served. Mr. eived a bani present from the Corrigan of New York was at the University of America yesterday after- i received au informal reception from ofessors and students, whom he ad- 1 in a few well-chosen words. -7 About 8 o'clock last evening George Stewart, a colored boy, was run over by a coupe on Pennsylvania avenue between 3d and 4); streets northwest and slightly injured. A fire took place in house 716 9th street northeast about 6 o'clock last evening, caused by a coal oil lamp falling on the kitchen floor. ‘The damage was slight. pcan National Dairy and Foo! Association. ‘The National Dairy ani Foc Association held the first session of i's annual meeting yes- terday in the lecture rocta of National Museum. There were present the president, H. C. Thom of Madison, Wis.; vice president, Lovejoy Johnson of Stillman Valley, Hil.; Prof. A. Weber of Columbus, Ohio, state chemist @f Obio: Dr. Geo. W. McGuire of Trenton, N. J.; Hon. H. C. Adams, president of the Wis- consin State Dairy Associat Vis.; | Hon. H. L. Coffin of Fort Lewis Cla Thompson Cabanne, St. Louis, Mo. executive officer of th nd state board of health, Balti K.S. Walker of Missis- sippi. "At the afternoon session came the ap- pointment of committees on credentials and on Tesolutions and there was an informal discue sion of the various anti-adulteration and pare food Yuls now pensling in Congres. a Esther Chorus Banqueted. ‘The membery and cast of the cantata of Esther, sacra * at Music Hall in November last under the @irection of Mr. J. A. Roeder and Mr. A. A. Sousa, were entertained by these gentlemen at an oyster supper in the dining room of the Raymond last night, the hall being artistically decorated for the occasion. Mr. der presided: atthe head of the feast and about him were forty or more guests, to whom Mr. Sousa extended a welcome in a pleasant little speech. During a lull in the principal exercises Mr. Roeder made a few very excellent remarks on organization for the ad- vancement of music and the advantage that would result toall by «ystematized teaching and tice. “The chorus song a fow pretty selec- ions from “Esther,” Mr. mn Fowler Blaze a piano solo there were songs by iss Daisy Hepburn, Miss Barbara Maier, Mias Laura French, Mr. George Terry and Mr. George Muth." After supper a business meet- ing was called for the purpose of effecting an rganizatior to establish a choral society, and @ committee. consisting of Mr. J. A. Roeder, chairman ex-officio; Dr. Geo. W. Smith. Mr. Geo. E. Terry, Miss Laura Witry, Miss Mamie Matthis and Miss Virgie hatch, was appointed to take the preliminary steps and report at the call of the chairman. ene ‘The Stanford Ritles Entertained. Mrs. Senator Stanford last evening enter- tained the Stanford Kitles, « local military eom- pany that took its name from that of the Cali- fornia Senator. She was assisted in receivin, by Mee. Pickett, Mra Agnew, Mie Locke Lincoln, Mrs. McElroy sen Jucdsorr, * a | society, led by Prot. Whipple, and as but less than a year old, it now has a member- | ship of over two hundred. It is not onl part of the great republic, but the American part of the republic. He then introdnced as the toaster of the evening Gen. Breckenridge, inspector general of the army, who sat at the table nt the other cnd of the room with Justice Boutelie and Gen. 0. B. Wileox. enridge remarked that he was most happy in what was to be said by the others: he was happy as the silent member of the fraternity, which was somewhat out of the line of his own family. He presented the speaker, Represenzative Wilson, of West Vir- ginia, who was given the toast “The Virginias.” MR. WILSON'S ADDRESS. When Mr. Wilson asserted that he was too modest for his toast Mr. Boutelle questioned this statement and Mr. Wilson verified it by stating that on the floor of the House that day he had refused twenty minutes of time, ten- dered to him at that by Mr. Springer, and he added: “There is, you know, no lengths of generosity icli“a candidate for Speaker will not go.” As Mr. Wilson is himself re- garded by many of his friends as a strong pos- sibility for the Speakership this remark caused general laughter aad started hisspeech well on its way His address was ¢ remarkable bit of oratory, onsisting of a defense of the people of the V ginias from the slucs that have been eust upon them. He first contrasted the Puritan with the Virginian, rather to the advantage of the latter, and ina humorous way drew the line of de markation between these dissimilar peoples. The Puritan, he sail. had come here for free dom of religion, but had he known the extent ‘h religion was destined to be free inthis would probably have gone back ‘The Virginia pioneers, he asserted, were probably taore typical Englishmen than the Puritans. “Altaough the Virginian, as a class, was not the churchman that the other was he was somewhat like the colored brother who w'sn asked ata protracted meeting i loved tuo Lord repliet that he had agin him.” Mr. Wilson said that he had read with pain a sluron the Virginians in one of the American statesmen series of books, wherein it was asserted that Virginia had an ignorant, lazy, horve-racing, gambling people. He then went on to speak of the men produced by this race of people and said that no greater men had ever been given tothe world than four | of Virginia's sons, mentioned by a northerner | as being four of five men directly responsible for the freedom of the country—Washington, Madison, Jefferson and Marshall—and if Vir- ginia had given to the nation none but these she would have earned the eternal gratitude of the citizens of America for all time to come. He said, in conclusion, that it is not a free government that makes a free people, but a free people that makes a free government. ORX. XETILETON. Gen. Breckinridge remarked, in the line of Mr. Wilson's thought, that if the society should do no more that night it had already produced one little gem of which it could always be proud. He then introduced Gen. Nettleton, whose briefer address was less serious in its | tone, although his many pleasantries were fol- lowed by some sound reasoning. It is neces- sary, id. for the country, its unfortunate history of the past 20 years,to revive some sense of perspective in the history of the nation and to cease to regard the evenis of the past quai- ter of a century of too personal and individual a nature. It is a case, he said, of the distor- tion of history. In speaking to the question] of whether or not this people has well ad- ministered the estate left it by the eountry’s founders ke stated several beliefs con- tained in his political _ereed that were very interesting. He said he thought that it was possible to 4o dilute and de- grade the suffrage in a free country as to limit the days of the republic; that immigration must be sifted and sorted carefully or thgre is ahead of us and our descendants the worst sort of a political chaos, and that political eow- ardice is one of the most grievous errors of the day and the sooner we put this cowardice be- hind us the sooner, as he expressed it, “we can roperly be called Sons of the American Revo- ution.’ ‘MR. BOUTELLE’S RESPONSE. The next address was by Mr. Boutelle, who spoke to the toast “Sons of the Revolution as the founders of a great maritime power.” ‘The United States, he said, is in itself the result of a venture on the ocean and it was natural that the colonists should show an early development of strong naval traits and an adventuresome spirit. He xpoke of the battle of Machias, the Lexington of the seas, as it had beer called. ‘There is no record more brilliant or achieve- meuts more influential in all American history than those of American seamanship in early times. The rapidity and effectiveness of Amer- ican progress in navul matters have served at all timex to set the pace for the rest of the eivil- ized world. It is fortunate for the country and for the peace of the world that the peopte have again given attention to the restoration of the prestige of the American republic on the waters of the earth, and that we are now | enabled to look into the near future and sce the time when the nation shall be once more on a footing of equality with the other nations of the earth. It was but a very few years ago that the proposition to build an American war ship of American material and designed aud | constructed Ly American workmen’ was be- lieved to be quite out of of inability had now passe with pride to thé wondet recently by high authorities in the English navy, who have praised the gun-making plants of the country as being the bestin the to IMPROMPTU SPEECHES. This speech finished the regular toasts, but | the toastmaster called on a couple of impromptu speakers, who proved quite equal to the occa- sion. The first was Mr. Henry Wise Garnett, who said that all present should feel grateful that their forefathers should have gone so often without their dinners, so that their descendants were enabled to enjoy so agreeable a repast on this occasion. Asa Virginian he wanted to speak a good word for Washington city, which, he said. 'is unsurpassed by the capital of any nation on the globe. and it was very appropriate that the annual banquet of the society should be held here. The other victim of the toastmaster’s drag net was Gen. Grosvenor of Ohio, who said, in introducing himself, that he had the distin- guished honor at the present time of being a ciwolving view in that renowned body, House of Representatives. He was transplanted, he said, at _@ very early age from the soil of Connecticut to that of Ohio and he had found Connecticut s very good state to move away from. At this Mr. Boutelle remarked that Gen. Grosvenor wag, 48 it were, a sort of exotic nut- meg. Continuing. the r said that, join~ ing hands on this side of all that part of our history that we would forget, the American people will go on down through’ the hist come worthy of the men who started the tory of the nation af the past. raring the speech-inaking such patriotic songs as “The Stur Spangled Banner,” “The Red, White and Blue,” &c., were sung’ by the to ven- ing was closed. sore minutes after midi the roof of the banquet. ball was . tremble with the thunderous tones of near eighty voices in the good old hymn of “Amer- ica.” ‘THCSE PRESENT. Those present at the banquet wore: Col. F. A. Seely, J. E. Watkins, Col. 8. Abert, Robert J. Walker, Wm. W. Hubbell, Dr. Wm. Lee, B.A. na, Col. C. W. Coombes, Owen Bey, AC Dealer Dev Bit A Col. M. Mi. Parker, F. E. > B. R. Green, inson, Samuel Mullan, A. ‘Howard Clarke, Prof. W. D. Cabell, St. George Tucker, J. R. n. A.B. Nettleton, Gen. ‘A. W. Greely, Justice Harlan, Hon. C. R. Breckin- ridge, ©. D. Cowles, Gol. F. A. Recve, on. ‘Mansar, . G. Butterfield, B. Ball, Dr. . E; Brickell Capi. McKee, James |. Col. J. Wilcox, Ho PG A Dontelle ‘Gen’ J Boeck: inridge, Mr. Justice Strong, Thomas E. Hatch, King, Henry Wise Garnett, Col. Marshal McDonald, Porter Morse, Hon. L. Wilson, W. E. Faison, Dr. F. 0. 8t. Clair, Armen, M » Snell, Dr. W. J. Flint, Mills Dean, James F. Hood, yenor, Pant Brockett, Amory Ai Goode, Thomas Wilson, W. V. Emery, Gen. W. H. Lee, Hi a. Hubbard, Solicitor General Taft, Gen. H. V. Boynton, Mr. P. V. De Graw. pthc aca ‘The Investment Feature of Life Insurance Policies. Very few agents or companies offer their policies today solely as a protection to the family. or dwell upon their adaptation to that Purpose, or urge them for that motive. The policies, or “bonds” or “consols” of the eager great rivals are offered as an investment to the taker, npon @ figured estimate of their fatare outcome, and are urged for the personal Profit of the taker. : In legitimate mutual life insurance, the yearly death loses, expenses and interest earn- ings are carefully adjasted, and the result. sp- portioned to each policy, so that each person is yearly charged with just the yearly cost of carrying his risk,and the remainder of his Premium is remitted by way of a dividend. He thus knows the exact cost of his insurance from year to year and pays that and no more. But the “investment” policies,” “bonds.” “consols,” &c., adopt a contrary course. The entire annual premium or “installment” ix to be paid in full without any reduction for the entire “investment period,” ten, fifteen or twenty years. No adjnstment or’ apportion- ment of losses, expenses or earnings is made during that period: no dividend declared or paid; no means of ascertaining whut the cost of the operation is from year to year;no means of knowing what the real outcome of the speculation is likely to be, for no statement of account can be called for by any person either during the “investment period” or at its close. ‘The holder of the policy or “bond” or “con- soi” has to bind himself in advance in his plication to. take whatever is given him as the profits of his venture without account or ques- tion. 18 THIS INVESTMENT OR SPECULATION? Investment, in the proper and conservative sense, means putting money into a scheme of use, the expenses, profits and losses of which are well foreseen, the fluctuations capable of reasonably safe redetermination, and them- selves, therefore, capable of being so weighed and balanced that a profitable result can be forecast within a safe margin. peculation means putting money into a scheme, the expenses, profits and losses of which are not well foreseen, or are likely to fluctuate so irregularly, widely and uncontroll- ably that they eannot be truly weighed and balanced, nor the outcome brought into an; margin of safe calenlation; a scheme in whiel gain and loss are alike possible and alike un- certain, both as tothe fact and the degree of either. Investment knows and weighs the chances and ascertains the balance to be safely on the right side. Speculation does not know and cannot weigh the chances, but simply take them. HOW CAN A LIFE INSURANCE COMPANY MAK ‘MONEY? It has two things to do: it has to pay losses andexpenses. It charges a premium calen- lated to cover the losses and the expenses. It knows from its mortality tables what the losses will be within a safe margin; it makes the ex- penses much or little as it chooses within cer- jain limits. It estimates a percentage which they ought not to exceed and adds that to the premiums charged to cover death losses. Ont of these premiums the company pays ite yearly death losses, its expenses and also fur- nishes the reserve to provide for the greater mortality when its risky get older and for the maturity of the endowments. ‘This reserve it can invest until it is needed, and it is, there- fore, calculated on the aswtmption that it Fe earn some certain rate of interest while m5 If now the death losses have been less than the table called for and the expenses have been Jess than was provided for, so much of the pre- m will have been saved and can be returned to the insurer. But it is not a profit to him. It is simply a saving from the anticipated cost of carrying his insurance. But his insurance is an expénse to him just as his fire insurance is, The premium returned to him is a reduction of the expense, not a profit. Af the rate of interest earned is greater than that assumed, the excess 1s in the nature of a profit. For example, if the company assumes that each man’s reserve is going to earn 4 cent and it does earn 5 per cent, then it pute the 4 per cent into the reserve and the extra 1 r cent ix surplus and can be turned back to im with the savings from losses and expenses. This surplus interest is usually called a profit and is in nature of. a profit, though its actual use is merely to reduce the cost of car- rying the insurance. It is, however, the only Profit there is to the insurer. All ese is cost of insurance; paying expenses an ping pay other people's lonses until one’s own time comes when others will pay that lows. How can this operation be converted into a profitable investment for the insurer himself? It protects his family and is therefore indis- pensable; but how can he make money out of ite EXAMPLES. Several of the great companies are offering unde: different names the same “investment policy,” “bond,” For illustration of the whole matter we will select what is in fact a twenty year endowment policy, with no divi- dends until the end of the twenty years. THE ESTIMATED ADVANTAGE. Take a man aged thirty, insuring for $10,000; he is to pay twenty premiums of $496 cach. The policy contract is to pay him #10,000 if he lives and keeps up his policy through the twenty years. But the companies “estimate” that by leaving all his savings and interest carnings with them all that time they ma; him an additional €7,060, or total of #17,006, which would be equivalent to compounding his payments at 4.92 per cent. HOW CAN THEY DO IT AND PAY EXPENSES? This rate of interest, 4.92 per cent, is more than the average rate these companies are now earning on their assests. But, aside from that fact, the expenses of the business and the death losses have first to be paid. In these particular companies the expense ratio is about 20 per cent, or one-fifth of their entire income. Out. of every dollar of pre- mium and every dollar of interest 20 cents is tuken for expenses, leaving only 80 cents of each to pay lowes and provide the fal pay- mont. That is, out of each preminm of $496 these companies cati use for the fulfillment of their contract and “entimates” only $396.80. This would have to be compounded at 6.83 per cent to produce the extimated $17,060, if no ex- penses came out of the interest; but one-fifth of that goes to expenses also, so that to realize the $17,060 and pay expenses the . premiums must be com led at 8.54 per cent, or greatly more than the rate they are now earn- ing. ROW MUCH CAN THEY DO? ‘These companies, under present conditions, can hardly hope to decrease their expense account or to earn more than 5 percent interest on their assets for the next twenty years. Assuming that they are certain to carn that mueh, and taking out 20 per cent of premiums and of interest for expenses ‘and providing for expected losses, the result at the end of the ‘investment period” would be just $10,817, instead of the “estimated” $17,060, a shrinkage of ¥6,243: a result not equal to the premiums compounded at 1 per cent. In what sense can this be called a profitable investment for one’ self? How can any purely financial operation— one that is not @ manufacturing, mining or otherwise productive business adventure—| has to bear such an expense account, be con- sidered as a profitable investment? also to earn for twenty years a ter rate of interest than they have ‘any reasonable hope of life insurance expenses can or ought to be called an investment, and that no man can ‘THIS 18 WHERE THE SPECULATION COMES IX. And it is this: They know that some will die during the twenty years; they expect that some, possibly a considerable number, will have to let their policies lapse di that time, some of them, per all bis surplus earned on his policy year by year with the company for pend if he dies during the time it is to be forfeited to the ithe lapses, it is also forfeited; and jes all of his reserv.: un- leas he applies for s paid-up within six months, in which case he forfeits about 'one- third of his reserve in addition to all bia sur- us. This is the speculation; and, for the sake of it, the insured pays each year more than the yearly cost of Ie: inmurance by the smongt of surplus earned or saved, and runs the risk of losing it all if he dies or lapses; and he also runs the risk of losing all, or a conriderable part, of the paid-up insurance which he would otherwise get for his family in case of lnpae, in the hope that he won't dié or lapse, and share the forfeitures of those dying and lay and in the hope that these forfeitures large that he will make money thereby. Evidently the scheme is totally op in irit to true life insurance and could not be understandingly engaged in by any man so- licitous for the thorough protection of his fam- ily or at all scrupulons about stripping other families of their protection or by one at alf careful to pay for his insurance only what it costs or desirous of knowing what it is costing year by year. But, granting a man’s willingness to specu- vith family protection for the sake of a re- which, if realized, is only 4.92 per cent an- nual interest on his paymenta, WHAT ARE THE PROBABILITIES OF SUCCESS? We can judge only by the past. Two of these companies have been engaged almost ex- clusively in this speculative life insurance for twenty years already. For nearly all that time they forfeited all the reserves of lapsing poli- cies as well as all the surplus. But they are settling now the surplus on policies which have ‘d. or are xupposed to have recei vei, the forfeitures of the entire reserves and surplus from lapses for the last twenty years; and the surplus being now paid is only about 50 per cent of the “estimates” of surplus on which these policies were sold twenty years ago. Either the forfeitures have been much less than was estimated, or else the expense account has overcome the speculation; one or the other. But these companies now profess to forfeit on policies now being written only about one-third of the reserve instead of the whole of it as for- i are “estimating” that the re sults of these policies twenty years hence, which can share in the forfeiture of only one-thi will be as great as are the present results o the policies, which are sharin in the forfeiture of the whole reserve for the last twenty years. ‘They estimate that a part will produce as much asthe whole. ‘The old “Full Fontine™ policies —in which all reverves as well ag all surplus on lapses were forfeited—are yielding only 50 per cent or less of the ‘‘cstimated” surplus. And this 50 per cent result on Full Tontines is now used as an “estimate” of the probable result of the Semi-Tontines—which are to forfeit all the surplus, but only a third of the lapsed reserves. For all’ these investment policies, “bonds,” “consols,” or whatever else they may be called, merely varieties of Tontine or Semi-Ton- tine. How Semi-Tontine is expected to accomplish as much as Full Tontine has never been ex- ined. ‘The expenses are increasing; the for- feitures can hardly be expected to be greater, and a much less proportion of them goes to the 1, und cértainly the rate of interest is not y to increave in the next twenty years. ‘The true question would seem to be this: If the old Full Tontine estimates based on full for- feitures have received only one-half the ex- pected surplus, why ix not an equal shrinkage be expected in the results of present “enti- mates” or “illustrations” which are themselves the disappointing results of the old Full Ton- tines, and which must be if atall, from ing, be so Does your cake — dry up quickly? If so, your baking powder is adulterated with ammonia or alum, ingredients which are injurious to health and are used by unscrupulous manufacturers simply to lessen the cost of the powder and increase their profits. Housekeepers who use Cleveland’s Superior Bak- ing Powder know that food raised with this pwe cream of tartar powder keeps moist and sweet, and is palatable and wholesome. “Cleveland’s Superior” has the peculiar property, possessed by no other bakirg powder, of producing light, wholesome bread, biscuit, cake, etc., that vefazm their natural moisture and sweetness. This desirable quality, in a baking powder shown by all Official Reports to be the strongest of all pure cream of tartar powders, makes Cleveland's Superior “Absolutely the Best.” Lansburgh & Bro.'s Royal Blue Sale, Wrex Ta Sox Suuxes Toxonnow Jouxsoy, Gunxer & Coa, 636 PA. AVE. N.W. It ought to shine with more than usual splendor on the birth of our ROYAL BLUE SALE, HOUSEYURNISHING GOODS. ‘Table Linens—#-inch German Damask, 373c. Gt-inch German Cream Damask. 50c. ‘Very Fine Quality G4-inch Bleached Damask, 50c. All the better grades in Bleached Damask, 2c. $1, 21.25. ‘Towels—Huck and Damask Towels, piaim sd col- ored borders, 10c., 1234¢., 15e., 25e. Crochet Bed Quilts, #1, $1.25, 62 10-4 Bleached Sheeting, 250. For this sale will alleviate much want and be the direct caus of saving many dollars to People with economical ideas. Many a home can now be made cheerful where dullness once pervaded. We start at once with OUR UPHOLSTERY DEPARTMENT, where every article that is reduced in price will be ticketed with a ‘Royal Blue” ticket, indicating that it has been re- duced most substantially in price. stances 40 per cent of the value will be culled; and in no instance less than 25 per cent. WASH DRESS GOODS. ‘This sale will continue for one week only and durinz that time, and only then, we will hang all Lace Curtains or other curtains free of charge. Our drapers are men of experience and you can depend on good and tasty work. Nottingham Curtains. We have abont 20,000 Pairs in Ecru and Whiteof all styles; IRISH POINT, CLUNY, ANTIQUEAND REAL LACE effects. All these goods are double twisted thread Lace and are all of our own importation, Our line of Outing Cloths and Ginghams is the best ‘we have ever shown. Some new things Just out at 10c., ; effect, have been entirely cured by using this genuine. Yinwor, Chemist, ration. Be sure and mufactured only by A. B. Boston. Sold by all druggists. jal5-th,s,tu t the Cari Petersen, 427 7th at. now. Removal Sale. Will Diamonds, Watches, Jewelry, Silver W Clocks, &c., at a discount of 20 percent. jal Guns for sale and hire. WaLronn's 477 Pa.ave. Superior Old live Whisky, €1 per quart bottle. Pure Old Rye Whisky (4 years old), T5e. qt. bot. Good Quality Rye Whisky, 65c. per qt. bottle. Pure Port Wine, full quart, ie. 1* M. & PL Merzorn. 417 7th st mw. mer & Co., 1918 Pa. ave., Kees ‘NEW WASHINGTON PHRATER This Week, Ladies’ Matinee Saturiay. 188 GAY'S LACTURE © SATURD, BOTRL ARNO. tony te stained ICE sf the Motel or iy" application to Moms Gay. Fratlewen. lest recomiuendations eo rors one ALSAUGH'S GRAND OPERA HOURE of entire stock of CAN LOAD OF SCENER Moab PLINIIMMON. THE GSO Doe The Latest snd Han inmest Dog th tne Next Week _Gilierte's 4 ew L ‘The West End Grocers, this week. Apricots, 200. per can. Peaches, full weights, 20c. per can. Tomatoes (standard), 8 for 25c. French Peas, 15c. per can. English Jams, 20c. per jar. Maple sirup. #1 per gallon. 13e. per Davis Hama, jald-ot Look and Read. —Only 81.50 for 12 nicely at Castie’s, 920 16 and 17. finished Cabinet Photograp! 7th st.,Friday and Saturday, Janu Regular price for same work, $2.50. hesitate on account Do No Misrepresentations Selling all kinds of canned goods way down “t loudy weather. jal3-3t* E Somos OF Howe. SANS Howe. all SEATS NOW ON BALE ABAUGHS GRAND OPERA HOUS One week, bevinning MONDAY, January 19, WM. GILLETTE'S GREATEST COMEDY HIT, ALL THE ALL THE ALL ane COMFORTS COMFORTS: COMPORTS OF FowR, OF Howe, ‘OF HOME, (A Companion to the Private Secretary.) WITH ITS BIG NEW YORK CasT, Under the direction of MR. CHARLES FRONMAN, A RUSHING, ROARING OCCASION OF FUND Salvation Oil. It “I Have Been oc Coughs, and in each Bronchial Troches ” whi Prurx A. May, Cashier, 13 St. Paul, Minn. Castoria. When baby was sick we gave her Castoria, When she was a Child she cried for Castoria. When she became Miss she clung to Castoria. have used ‘Brown’ ionally troubled with | have never failed.” When she had Children she gave them Castoria. ‘th,s,tu,tr Digestible Cocoa, digested and hi Fits, Spasms, St. Vitus Dance, delicious, 3 ervousneRs and Hysteria are soon cured by Dr. Miles’ Nerv- ine. 7 Fred samples at Mextz’s Davo Store, 1014 F st. COLN MUSIC MONDAY, JANUARY 19, AT 8 O'CLOCK. ‘The only performance in Washington of the Amateur Burlesque Operetta, L°AFRICAINE, For the benefit of the HOME FOR INCURABLES, WM be given under the patronace of Mire. Mre. Ey Dire Hal, i. te Edo stems ‘Tickets, $2, #1 and 50e., seconding to location’ Some tickets may yet be had of the patronewes | atnnont uf te ined hens sa Bs) OUDIN'S FISK JUBILEE SINGERS WILL GIVE Concert at the Fourth Street at Fe . toe eon he abd Te on al of which we have marked “ROYAL | 95-. and 206., reduced to 12%e. 1a Sey honk ate aw, Bab" 110 PAIRS OF CRETE CURTAINS with RO en ee ee Tt a stained-glass effects, worth $10 per pair. We | Value, 40c. SEE WES ane cut the price in two. ‘Royal Blue” Price $5 : fin Wenslcloas Black : ; : Lalor) eo 40. Cloths, in and Col- el J. JAY GOULD, — ors, 5 * _ SWISS TAMBOUR.—Our stock is very co1 we The plete and our prices on this particular goods Allof our Carpets, Druggets and Rugs st reduced TUESDAY, JANUARY 27, EW NATIONAL THEA’ have always been low, for this sale they are | prices : . Every Evening This Week at 8 O'clock, yet lower. We can show you a line ranging - Matinee Saturday. from #4 to $20 per pair. Blankets, $1.50, 82, $3, 04. TE noes OEE: Horrs ar SH POINT.—To we these we will wive Comforts trom $1 up. pari you the best idea. We have some good bargains for you in Exyptian Lace, Brussels and afew Applique Lace. One lot of odd of Lace Curtains, com- prising NOTTINGHAM, ANTIQUE, MADRAS, TAMBOUK, IRISH POINT at “Royal Blue” Prices. 73 pairs of Portieres, figured all over, that formerly sold at $12; “ROYAL BLUE” PRICE $7. These Curtains are in all colorr and are 334 yards long. ‘We have a lot of Fine Curtains that were sold * at @18 and $20. They will wo slong with the rest at the ‘Royal Blue” Price at @8 per pair. You will understand that the assortment is sunall in these particular curtains. PLUSH SCARF#, MATS AND TABLE COVERS.—We have more than we want and to make it an object we will make a reduction of 25 per cent off the selling price. JOHNSON, GARNER & CO., 21m 636 PA. AVE. N.W. only partial instead of fall forfeitures? How ean partial forfeitures produce as large an jus as full forfeitures? And it is forfeitures alone that can make these policies an investment to those who don't happen to forfeit, for the expense account kills the interest account. Or apply the test of history to this very bey yi The old Full Tontine estimate was that the entire cash value at the end of twenty years would be $23,500—a surplus over the face of the policy of $13,500. it the actual lus settlement in sight is—if no further ghri takes place such as has been constantly going 060 instead of the 13,500 promised to the hope. And now the $7,060 result of a 13,500 Full Tontine estimate is used as a Semi-Tontine estimate for twenty years hence. If it has as good luck as its predecessor, it will settle at about $3,670 instead of $7,060, making a total settlement of the potiey $13,670 instead of $17,000; this is less t] 33¢ per cent on the premiums paid in, and to attain even this the companies must depend on forfeitures equal to 2! ‘cent compound interest on the premiums Is that a speculation worth hazarding all, any of what one pays for insurance and or making his family hazard losing it all” acon L. Gunexe, President. ‘Tux Coxxecticut Murva Lire Ixs. Co. gees ‘Two “Cabbics” Fined. Scott Brown and George B. Lewis, drivers of public vehicles, were tried in the Police Court today for soliciting fares in the Capitol grounds. ‘The law was passed to preserve order in the grounds and stop the drivers from driving to and from the steps*to catch ‘4 OF crabbing” as the drivers call it.The drivers were fined $5 each. ee ee The Columbia Heights Syndicate. In the case of Ferguron et al. against A. E. Bateman etal., for an account and receiver for certain property in Columbia Heights, Judge | Bradley this morning heard the motion for the appointment of a receiver. Mr. A. 8. Worth- ington appeared for the complainants and Gen. Hunton for the defendants. ‘The lattor called the attention of the court to Mr. Bateman’s being under an assignment and asked that the motion go over for a week so that he could con fer with the assignor and his request was granted. Harrtrorp, Ja: Sea gies Policy Shops Raided. Policemen Sullivan and Brennan raided a policy shop in Jackson alley last night and arrested Chas. Cross, colored, as proprietor of the +h This morning Policemen Lynch and Smith arrested Frederick Nicdfeldt at his house, No. 820 4th street, and locked him up as a policy writer. When the oficers entered lis place he was seated behind a table on which was a eom- rte set of licy papers. Pods Fopaat ‘were taken tothe Police Court this morning and held in $300 bail for the grand jury. et In the recent wreck of the City of Washing- ton Gus Peterson of this city, the ship's store- keeper, hud one leg broken. ‘He wus taken up to Norfolk to the St. Vincent's Hospital. Eight persons were injured, one of , them probably fatally, in a collision between a freight engine and a rapid transit train on the Island railroad near Jamaica yesterday. Drives the blood from the surface of the body, snd ‘causes congestion of the liver and kidneys, which are thus unable to fully perform their duty of ellminating impurities. Hence lactic acid is accumulated in the blood and deposited in the Joints and tissues, resulting im the pains and aches we call rheumatism. Hood's ‘Sarsapariila has had great success in curing this dis- ease, both chronic and inflammatory. It purifies the blood, neutralizes the lactic acid and restores the liver and kidney» to natural action. HOOD'S SARSAPARILLA old by all drugwists. $1; six for @. Prepared onty, by ©. 1. HOOD & CO., Apothecaries, Lowell, Mass. 100 DOSES ONE DOLLAR, ‘3 Easily cured in childhood by the CUTICURA REME- the purest and best of all humor cures, Skin, and blood diseases, with loss of hair, ; Contin aorrbne 1_Lbtieht Piano Covers will come in under thie Tex 10,000 = Txovsasn BOTTLES OF 3,000 YARDS OF IMITATION SILK to te sold at “Royal Blue" price, 15c. per yard. These goods have not been sold for leas that 7, 20 and 25c., and are choice patterns. Also « lot of ART DRAPERY, which was 30c. **Royal Bie” price, 15¢. SHADES.—Onelot that we have marked down. to 25e. during this sale. Wesend to your house if necessary and give you an estimate on the bet- ter goods. This “Royal Blue” sale will prove ‘most interesting, for all housekeepers will ere Jong again rearrange their homes and a little at- tention here and there adds mightily tomakea home corfortable and inviting. ‘Nee our window display of ‘Royal Blue” prices on our uphoistery goods. WILLIAMS’ PRUSSIAN SYRUP FAMILY REMEDY ar} [ats remedy for Coughs or Colds, 15c. per bottle. OFFICE OF W. H. HOEKE, ‘Manufactured and for sale by Sth and Pa. ave. ‘¥. 8, WILLIAMS & CO., ‘Drugwiste, ‘Under Masonic Tempie, Trave Norzs. A few items that will interest you: Hassocks, 25 and 50c. $1 Smyrna Mats for 75e. ($3.50 Smyrna Rugs for $2.: $4.50 Smyrna Rugs for $3.35. 96 Smyrna Rugs for $4.35. 94.50 Moquette Rugs for 83.25. A lot of Portieres, only one and two par of a kind, at cost. Odd pairs of Lace Curtains at cost. A nice Silk Curtain, $4.75. Best quality All-wool Art Squares. ‘2h yards by 3 yards for $5.03. 3 yards by 3 yards for $6.75, Syanis by 4 yards for 89. 4 yards by 5 yards for 815. - Ingrain Osrpets, 45 and Gc. a yard; Extra Quality ‘Tapestry Carpets, 7c. ; Best Quality Body Brussels, 81.15; Best Moquetto, & for remnants, but include our entire stock. 15 per cent discount on Parlor, Dining Room, Office and Chamber Furniture. The, prices are for cash only, on or before delivery. Cor. F and 9th sts. n.w. W. H. HOEKE, ‘Sthand Ps. sve. % se. Doves & Buo. CONTINUATION OF OUR COTTON UNDERWEAR SALE. ‘To thoee who have not already called and taken of vantage of this sale invitations are extended to do so st | few lines), and the general exctilence of each and Gr mera 1a whole. _ To these points of advantage is coupled the price, a ———EEEe ibiscecaie ‘So great has been the sale of this u B5, Goo H H ¢ iu R GGG i nH ‘Never has any medicine met with more popular favor BB RRR in s0 short « time, and all duetoitsown merits. Itis Prompt and certain, it leaves no bed effects on the sys- tem. Give it once atrialand you will use no other SERGIUS STEPNIAK. TIONARY MOVEMENT. “*No one is better qualified to describe the phases of the struxgle for freedom now going on in Russia.”— Kennan. Georze TICKETS—81.50, $1, 75 AND 50 CENTS. 3810,15to27 AT METZEROTT’S, JAN. 16. Subject: NIHILISM, OR THE RUSSIAN REVOLU- Tr a FE PVN E Aa mM REV. T. DE WITT TALMAGE, D.D., ‘Will deliver his new and brilliant lecture, “UP AND DOWN THE HOLY LAND,” WM A cog, ree uM AA G6 G iv AA Son & B24 G&S seats on sale at music store, 1110 F st. n.w., om and after January 15, 1801. A i HE HH sat oH pu, streets 15, 1/1. General ‘ee bet. aut | EVENING, SAN. 36, inoi trip. E, Captain. L. 1. BAK STAGE EXCURSIONS. 50 cents. For sale at music storeof HLLIs & CO-. | 107 Pa ave. aa se ATIER ASX SEAS TyUR AMOUND THE world LOUDIN'S FISK JU RINGERS: wait ‘their first et Church ‘et bet, isda ay 5 7 be CAMBRIDGE, T sar ‘Mass. ave. and 14th +2 w. “Lareriom sina Private efi ooae OP ILLARD's HOTEL, W ‘Pa. ave. and 14th st. 2 Washington, D.C. EBBITT HOUSE WASHINGTON,D.c. WINTER RESORTS. Watch fo Ra iahe day Paras of tbe GENUINE INDIAN BLASS BARDIN THE WORLD, Next Week—SIBERIA. eIzee LAxgrscrs TEXTS LECTURE ON PROF. GALLLARD'S ‘ofliwer "i > AL SCIENTIFIC METHOD: See Educstionsl totum: ‘ABUNIC Gor. F and Oth ste. nw. EDISON'S PHONOGRAPH. ‘The Most Effectual, The Bast, ‘The Most Practical, _ ‘The Cheapest, ‘The Ever Ready and Always Patient LANGUAGE TEACHER. FRENCH, GERMAN, SPANISH, ITALIA, ta, FISTEE, CLARENDON. On Virvinia ave., half way and the ocean ; now ol ‘steam 7 PRE REVERI Park ~ GENTLEMEN WHO WANT THE LATEST AND MOST APPROVED STYLES IN FULL-DRESS APPAREL SHOULD SEE OUR ASSORTMENT BEFORE PURCHASING. WE HAVEA COMPLETE LINE OF ALL SIZES AND EVERY RELIABLE GRADE IN BROADCLOTH AND EN- GLISH WORSTED GARMENTS THAT ARE THE PERFECTION OF ARTIS- ‘TIC TAILORING READY FOR IMME- DIATE USE AT PRICES THAT ARE BEYOND QUESTION THE LOWEST POR THE QUALITY ANYWHERE. OUR FINER GRADES OF MEDIUM- WEIGHT OVERCOATS MEET ALL ON TAP. GRAND EXHIBITION SATURDAY, JANUARY 17TH, ATS P.M, _Admittance FREE. 12 Unsavensauisr cuvncn, Corner 13th and L sts. n. THURSDAY EVENING, JANUARY 15, AMER.cAN CONCERT ©0., Suk : Seats nowon sale st Metservit', 110 F st. nose" — CONNECTICUT AVE.