Evening Star Newspaper, October 7, 1896, Page 3

THE EVENING STAR, WEDNESDAY, OCTOBER’ 7, 1896-TWELVE PAGES. SPECIAL NOTICES. HIS EVENING AT FOUNDRY CHURCH, THIS EVENTESALOON REVIVAL. Preiude by I. 0. G. T. Introduction by Pres. Wiitman. Address by Thrasher of Conn. 1t® Pull choir this evening. Admission free. Novice TO THE BONDHOLDERS OF THE CAPI- tol and North © Street Railway Company (Belt Hin. ere will be a meeting of the boudhollers of the above named company on FRIDAY, Oc- tober 9, 1806, at 3 See [ce ons the offic aa vurify a frust Company aes ders of bonds are invited to ot- \ SECURITY NOTICE—TO TH’ and Soidte ly di capital stock Ks for tra turds, Of both days in- per cent © of this company ¢ fer of stock will be tober 10, to Thursds, me to you by ertising. and at the same time “i is with my patent cular. Tiitates at but then you would m written letter gies it Wasn't the genuine. Call and Bee me about it. BYRON S. ADAMS, 512 1ITH S REV. DE. SNY froin Luebo, Afr n exp: of that continent, will speak WEDN . at the coruer of 1. instant, at 1 street A mn stock as been dec stockholders Teoks close on Oct DWARD D. | etary. INGTON, D. October 1, 1806. ORNAMENTAL WROUGHT ION Grilles, Gates, Hinges and Escutcheons, END the EASTON, A CORDIAL To AL PATRO: It ts our desire this coming winter to extend the sale of our fce amozg those who have hither- to not given It a trial Ad we ask fs a tefal. A cordial and earnest Invitation Is extended to every one icterested in securing the very best lee for every home use to visit our works, and there see every process employed fn the production of “HYGIENIC ICE™—the only ice so made of pure spring water in this city. Every intelligent per- son who hay thus visited our works has invari- to any other. For od. The works are at 15th and E sts. ne.—3 squares from the eastern terminus of the Columbia cable railway and 4 squares fiui tbe Metropolit. THE HYGIENIC ICE OME HOME™ IS EXTENDED RECUKNING FRIENDS AND FoR BEALTH fs Lest done on the ‘Columbia’ - «bs standard of the world for wheels. The gcrentness of the Columbia ix evidenced by the fact that oth mak: trive to make their whe st as good.” POPE MFG. 0. Hart Brittain, Manager, 452 Pa fes-tt THE SHIRT we make for $1.50 stands pre-eminent among made-to-measure shirts. i We repsir ts that are too goed to throw away. Look at your neck bards and wristbands. Jos. Auerbach, 623 Pa. Ave. ur system in good working folks w healt is poor ine it. Nothing mg the system In per marys Old Relial y drop is pure. $1 qt. 812 F St. No window teo large— no window tcv small for Hodgkin to giaze. Pleaty of Glass, all kinds, all sizes; expert glazers; modest prices. "Phone 287. Chas. E. Hodgkin, 913 7th. Plate Glass Expert. oc6-16d, 7 - —F; Not “Auction Bicycles,” BUT BICYCLES AT AUCTION PRICES. We buve in stock some men's $65 Bicycles, 1996 Wey, and fully up-to-date in all respects, that we are going to sell at the low price of THIRTY DOLLAKS CASH. Fitted with either G. & J. or M. & W. “Quick Repair’ tires, and fully uaranteed by the makers. Bear in mind, these are not RAMBLERS, thou zh We have a very few slightly used Ladi-s’ Ramblers, ‘05 and ‘96 patterns, recently over- Buuled and refinished, which we can give you bargains om. As said abeve, there are not many of them, and the carly buyer gets the bargain. ‘Take a glance at the $30 Bicycles in our win- dow at 13% 14th nw. set1t28 GORMULLY & JEFFERY MFG. 60. The Independent Ice Co.’s yellow wagers deliver pure Kennebec Ice to sil parts of the city and Mt. Pleasant—daily. Kea- sonable rates. twenty-five or thirty patterns, new every Prompt service. OFFICES, 910 Pa. ave.—3108 Water st. sel-tf Telephone 591-2. GRAND LONGE Visitation to Different Hodies Ar- ranged in Detail. The officers of the Grand Lodge of I. 0. O. F. of the I of Columbia began their annual visitations last evening with @ visit to Goiden Rule Lodge, at their quarte in LO.0.F. Hall, on 7th street northwest. er lodges of the order will hs annual visitation from the Grand rs as follows: Eastern, to- bia, tomorrow night; Brook- t Brookiand, Monday next; Lang- en, at Langdon, Tuesday next; Metron Ww October 16; Bea a October Daughters of W ctown, Tuesday, October - . Georgetown, Thursday, October Harmony, East Washington, Monday, iy, Washingt Tuesday, Central, Washington, October . Waskingtcn, Thurcday, N ; Excelsior, Washington, Monda November %; Takoma, at Takoma, Thi day, November 12; Naom!, Dazghters of Rebekah, ashington, Monday, November 16; Mecha: + Georgetown, Friday, No- vember 20; Union, Washington, Monday, November 23; Salem, Anacostia, Saturday, November 28; Ruth, Daughters of Rebexah, Washington, Reesiey: December 1; Federal Washington, Wednesday, December 2; Washington, at Washington, Tuesday. December 8, Mount Pleasant, Washing: Wednesday, December 9, and Friendsh! Friday, December 10. The grand encampment yisitations will be: Fred. D, Stuart, Tuesday, Nove 10; Mount Nebo, Wednesday.. Novem-r 18; Columbian, Wednesday, November %, and Magtnenu, Friday, December 4. Martha Washington, bexkah, N. O. Hopkine, formerly prominent in Missouri politics, kas died at Pasadena, Cal. His death was partly due to a fail from @ street car about a week age. | of this cit RESULT ON POLICIES Life Insurance Underwriters Hear About Free Silver Coinage. CHEAP DOLLAR 10 SETTLE RISKS! Annual Convention of the Associa- tion at the Arlington. PROCEEDINGS THIS MORNING When Mr. B. S. Calef of Boston, the pres- ident of the National Association of Life Underwriters, rapped for order this murn- ing, and the seventh annual convention of the association was in full swing, the ban- qvet room of the Arlington was well filled with as fine appearing a body of business men as is often gathered together in one I Abcut the various groups represent- ing local aud state associations hovered that air of push and prosperity that always seems to characterize the individual in. ‘They were from a!l parts of the country, and they gathered with one partic- ular object in view, to discuss the present status of life insurance business. They krow why they are here, and they lost little time in getting down to work. On the president's table was a big bunch of chrys- anthemums. Everything else was cold, bard business. This is but one phase of the convention, however. After working hours the dele- gates are in for a good time, and the local ecmmittees are prepared to give it to them. This afternoon the: giimage to Mount Vernon, which is to be followe¢ by an oid-fash.oned oyster roast at Marshall Hail. ‘lomorrow afternoon they will be shown the sights of interest about the capital, and Friday evening the convention will term:nate with a banquet at the Arliugton, given in honor of the ting deiegates by the members of the 1 association. opening session of the convention morning was an unusually interesting one. The annual address of the pres.dent Was presented, but even more important than that was a paper which was read Mr. Wiluam T. Standen of New York, the actuary of the United States Life Insur- ance Company, and one of the best posted men on tne general subject of life insur- ance. His subject was “The Effect ot Pos- sible Free Silver Leg:slation on Life Insur- ance Contracts.” It was a very able pre- sentation of the case, and his essay would be a decided acquisition to the sound money literature of the campa‘gn. In it he point- ed out the effect that free silver would have, net only upon the companies, but upon pol.cy hviders as well, and his paper weuld make imterest.ng reading for every man who has invested any part of his earnings in life insurance. Opentng Proceedings. The convention was opened with brief prayer by Rev. J. A. Aspinwall of this city. This was followed by a few words of wel- come by Mr, D. S. Hendricks, the chairman of the executive committee in charge of the arrangements for the convention. In con- ¢cusion, he introduced Mr. Simon Wolf, who spoke at greater length, and tendered the Lospitalities of the city to all the vis:tors. He gave them, too, an idea of what would be done for their entertainment, and gave them to understand that Washingto: ovght to be a particularly pleasant pla for a convention of life insurance men, view of the fact that the city’s streets are very wide and policemen are few and far between along about z or 3 o'clock in the morning. Then came a song by the Apollo Quartet . The woras and music of the song caught the del: tes in a soft spot, who insisted upon an encore. It was writ ten by Mr. George W. Hatch of the Insur- ance Age, New York, and was dedicated to the National Association. ‘The President's Address. Alter the calling of the roll, President Ben S. Caief delivered his annual address to tye convention. In the course of his ad- dress Mr. Calef said: “Life insurance embodies one of the great principles of modern times. the develop- ment of individual thought and work through association. That isolated life Is teebie and restricted, and that association is essential to the development of all the powers and possibilities of the individual is an agmitted axiom of social science. No one who carefully traces the rapid progress of civilization during the past century can fail to see that it is due quite as much to the skiliful organization of combined effort as to the marvelous inventions of material science. “rhe discovery that when two men work together the result of their united labor is considerably more than twice what they do when working as individuals is the se- eret of many of the most significant changes and achievements of the present age. It is not alone the wonders of steam and electricity, but the invincible power of association, wh.ch drives the modern world. And as time goes on, who can prophesy th« ultimate development of the resources that still lie hidden in this great human force. “But we will not strive to peer into the dim posstbilites of the future. Surely in the living present, In which we are to act, no profession manifests more clearly and’ be- heficentiy than life insurance the powe: and value of federated life. We stand here today as its representatives. We have come together, drawn by the magnetism of a common work and purpose, from every sec- tion of our great country. Let us hold our- selves to our highest ideals, and to a clear- er consciousness of right,’ and of mutual responsibility. Let us hold the institution to its best principles, and press forward to make it the expression of the highest in- telligence, energy and sympathy of the great heart of human society, from which it has sprung.” Insurance and Free Silver. Then came the most interesting feature of the morning—the reading of Mr. Standen’s Paper on one phase of the free silver ques- ton. It was listened to with the closest attention and was enthusiastically applaud- ed. Mr. Standen said in part “In speaking to you of the evil that threatens the grand institution of I'fe in- surance, by bringing into our horizon, how- ever vague, a danger of possible deprecia- tion in the morey standard of the country, 1 absolutely repudiate the narrow ground of mere partisanship; justifying myself by the ever-present necessity for caution im- posed upon the custodians of enormous sums of trust funds. I must, theretore, ask you distinctly to becr in mind that it is rot as a politician, still less as a partisan, that I lay before you certain considera- tions, which, as honest and trustworthy workers in the field of life insurance, I conceive it to be your duty, and my duty, and the duty of every life insurance official, to carefully weigh and thoughtfully digest. “The regular old line life insurance com- panies are today under obligations amount- ing to some $5,700,000,000 dependent on con- tingenc‘es of l'te and death—the co-opera- tive, assessment and fraternal societies have obligations also of between $5,000,000,- (00 and _$6,600,000,000 similarly dependent. ‘The regular companies have already accu- Tmulated about $1,000,000,000 of assets, in anticipation of future claims upon them. This vast sum has to be safel} and profit- ably ‘nvested in order to perform its allot- ted function, and to enable the life com- panics to live strictly, rigidly and honestly up to the terms of their contracts. They ere in recefpt of an annual income of about $275,000,000, the major portion of which has to seek similar channels of safe and profit- eble investment. There is no other equally ‘mportant system or enterprise that has such stupendous interests at stake; and there is none other that directly affec's the well-being of such a vast aggregate of prospective individual beneficiaries. “Under the condit‘ons which preyail to- day, ehout $275,000,000 of annual income is sufficient to provide for the regular life in- surance companies’ obligat‘ons of about ~ —<—— = FREE TO ALL! WATCUES, KNIVES, RA4ZULS, PICTURES, TIVES and other valuable articles to exchange fot Coupes WIth, £ nat Foucs 1 Tamacco, (oid by -alery. coupon 1h each 5-cont ce) packaze, RSurdNs EEPLATS TOW IRE THB ABOVE, Packuyes (now on sale) Ing he coapous Will be aecepted as coupons— euipty hag 28 one coupon, far ill trated catalogue giving complete itst aod tion of all yrti tes, also tells how to gut them. THE BLOCH BROS. TOBACCO O0., Wheel é ws ret os. Va. ay 4o-un, have all made a pil- THE OFFICIAL EXPLANATORY NOTE: Gbservations thken at 8 a.m., 75th meridian time. WEATHER MAP. @ Partly Cloud) ch secksonrtlle oy rigy. Joe @ fain. ey OSn0m ar Solld lines are 1s0- bars, or lines cf equal alr pressure, drawn for each tenth of an inch. Dotted lines are isotherms, of lines of equal temperature, drawn for each ten degrees, Shaded areas are regions where rain oF snow has fallen during preceding twelve hours. nreas of high and low barometer. FAIR WEATHER, But It Will Be Colder, With Light Frosts, Tomorrow Morning. Forecast till 8 p.m. Thursday—For the District of Columbia, Maryland and Vir- ginia, fair; colder Thursday morning; light frests in the interior; northerly winds. Weather conditions and general fore- cast—The barometer has fallen on the At- lantic ceast and in the northwest and risen over the central valleys and upper lake re- gion; it is lowest over New York and high- est over Iowa. It is colder throughout the central val- leys, with heavy frosts in the upper lage region and Illinois. It is slightly warmer aicng the Atlantic coast and west of the Rocky mountains. Showers are reported this morning from New Ergland, the middle Atlantic states, the lower lake region and Texas. The weather is generally clear in the Miss’ss'ppt and Ohio valleys, the south Atlantic and eest gulf states. ‘The indications are that the weather will The words “High and ‘Low’ show location of Small arrows fly with the wind. be fair Thursday from New York and the lake regions southward to the east gulf and south Atlantic states. It will be colder Thursday morning from New England southward to North Caro- lina with light frosts in the interior. The following heavy precipitation (in inches) was reported: During the past twenty-four hours—Detroit, 1.04, Tide Table. Today—Low tide, 1:56 a.m. and 2:06 p.m.; high tide, 7:40 a.m. and 8:11 p.m. Tomorrow—Low tide, 2:11 a.m. and 2:53 p.m.; high tide, $ m. and 8 The San i Moon. Sin rises, 6+ sets, 3. The City Lights. All gas lamps are lighted tonight by 6:26 p.m.; extinguishing is begun at 5:26 a.m. Public arc lamps are Nghted at 6: and extinguished at 5:11 a.m. Range of the Thermometer. The foliowing were the readings of the thermometer at the weather bureau today: 8 am, 2 p.m., 57; maximum, 59; min- imum, $5,700,000,000, If the value of each dollar paid to the companies ‘is to be scaled down to an effective purchasing power of about 52 cents, then, in order to maintain the‘r obligations at their present value in effect- ive purchasing power, the companies would need to increxse their atnual income from $275,000,000 to about $550,000,000. Unable to do this by reason of the nature of their contracts their obligations of about $5,700,- in (00,00) will fall effective purchasing power to about $2,80),000,000, One or the other will be an absolute necessity, if they are to maintain their present proud posi- tion of absulute, unquestionable and abun- dant solvency, and still y!eld the same ben- efits they now confer on their patrons. Value of a Dollar. “Our obligations to others, and the ob- ligations of others to us, are all based upon the value of dollars werth (or having an effective purchasing power of) 100 cents each, and not upon the value of dollars worth (or having an effective purchas:ng power of) less than 100 cents each. Never since the war of the rebellion has it been necessary for the life insurance companies, which have cast ail their calculations in a well-defined unit of currency, to specify what shall be the value of the dollar paid to them, or the value of the dollar paid out by them. The text books from which we were at school taught the value of a dol- lar defined it as 1) cents—neither more nor less; and of equal value, whether stamped by government or turned into the smelting pot. Those who have been paying a dollar having an effective purchasing power of 1 cents for one dollar's worth of life insurance cannot reasonably ex- pect to get the same_ benefits from the payment of a doilar that has an effective purchasing power of only 52 cents. The man who wants $25,000 of life insurance, and expects to pay for it in coin that is virtually subject to a 48 per cent depreciation, will find that he cannot buy $25,000 of life insurance of the effective purchasing power of today, but only $13,- (00. 20 not allow yourselves to fall into one very natural error. The life companies would still pay one legal tender doliar’s worth of life insurance for every legal tender dollar paid to thi even if the threatened leg'slation in favor of the un- limited coinage of silver should be an ac- compiished result. They will still grant a legal tender dollar's worth of life insurance for every legal tender dollar paid to them; and every dollar of life insurance so pa: will be nominally a 100-cent doilar, but its effective purchasing power wiil be im- paired. If a $10,000 policy becomes a claim, $10,000 of 100 cents each will still be paid, but it will be in effective purchasing power equivalent to only about 52 per cent of the effective purchasing power of the same sum today. Already it has been sought to be shown that we shall be partially re- pudiating our obligations. We shall do no such thing. We shall pay in the current ‘coin of the reaim’—as many dollars as our contracts provide for—dollars af 100 ce: each; but under the threatened new order of things each of those 1) cents would be of an effective purchasing power of only about one-haif. “The question of what the life insurance companies will have to do, in the unfr- tunate event of their premium and interest income be:ng paid to them in such 52-cent lollars, is susceptible of very ready answer. They will pay all claims that accrue, dollar for dollar; but a power outside of thein- selves will have depreciated the purchasing power of those dollars. The dollars that they will pay to the widows and orphans will only buy 52 per cent of the necessities and luxuries of life as compared with what the dollar can now purchase. Not one single obligation will they repudiate. No claim will be scaled down by them. They will pay the number of dollars agreed—100- cent dollars each—but when they reach the coffers of the poor widow they will be found sadly lacking, in that each dollar will buy about half of what it would buy to- day, and of what it would have bought wher. present existing contracts were male. A vis major will be responsible for the depreciation in purchasing power, and not the life insurance companies. Contracts Would Stand. ‘We frequently hear it said that the free and unlimited coinage of silver must in- evitably impair life insurance contracts. Nothing of the kird. Life insurance con- tracts can and will be carried out to the strict letter. The evil will come after the life insurance companies have done their work. For each stated annual premium of so many dollars and so many cents the companies will grant their policies of $1,04”), $10,000, $20,000 or $50,000 of insurance, ‘and when the death of the insured ensues they will pay their contract obligations prompt- ly. lt is after the claims are paid and the life insurance company’s functions are strictly performed that the trouble will come in. The man who in his provident forethought intended to leave his family in the enjoyment of all those necessities, ¢om- forts and luxuries which an annual income of $2,000 based upon present conditions would secure to them may have insured his life for the sum of $50,000. Under the con- ditions that threaten us if such a policy becomes a claim it will be paid just as he expected it would be paid, but when the money reaches the hands of his widow the prices of both necessities and luxuries will have so greatiy enhanced that the income resulting from his prudence and fore- thought will provide the wife and children with only about one-half of what he in- tended to provide for them. The change will not in any sense impair the functions of the life insurance companies themselves, except as to dividend benefits, and the besis of premium payments. Its action will be to impair the present existing relation be- tween assets and Jiabilities and effect a de- rangement of these important factors which it yee be very hard subsequently to re-establish, “I desire to repeat, with all the emphasis that I can, that the soundness and stability of the institution of life insurance could not be affected by any of these changes. The policyholders would bo the only ones to suffer. This was proven by the experi- ence of life insurance companies during the rebellion, when the market value of the legal tender dollar depreciated to 38 cents.” The Delegates, Among the delegates from the yarious local and state associations, who are p.es- ent at the convention are: Baltimore Life Underwriters’ Association, president, F. C. Nicodemus; secretary, F. H. Thomas. Bos ton Life Underwriters’ Association, presi- dent, S. F. Wcodman; secretary, F. C. San- ; born; C. W. Holden, Washington; Alex. McGregor, jr., Mutual; J. T. Phelps, Na- tional; Nathan Warren, Equitable. Chat- jtancega Association of Life Un- derwriters, president, B. D. Haines; secre- tary, E. M. Dr cago Life Under- writers’ Association, president, Ira J. Ma- son; secretary, Fred B. Mason; W. D. Wy- man, Berkshire; James W. Janney, Provi- dent L. and .; Dr. S. L. Fuller, Washing- ton; John K. Stearns, Connecticut Mutual. Cincinnat! Life Underwriters’ Association, president, C. E. Logan; secretary, I. Biogm: H. Bohl, Pru J. L. Cockle, Berk: shire, I. Bloom, Penn Mutuak Cleveland Asscciation of Life Underwriters, president, John Thomas; secretary, Nathan Kendall: C. E. Lawton, Mutual; John Thomas, Berk- 0. N. Olmsted, National; "M.A. Marks, Equitable; S. 8. Saffold, Provident L. end T.; E. W. Christy, United States. Connecticut Life Underwriters’ Associa- tien, E. D. Weeks, Phoenix; F. A. Thomp- son, Phoenix. Georgia Association of Life Insurers, secretary, J. R. Nutting; C. Angier, Mutual Benefit. Indiana’ As- sociation of Life Underwriters, _presi- - 2. wlin; secretary, I. G. Ritch- S. Folsom, Phoenix Mutual; E. B. 5 United States; D,, B. Shideler, N.Y. Iowa Life iderwriters’ president, Miller Spencer, United States; I. T. Mart! : Sity dife Underwrite1 Asicciaticn, president, J. A. Brown. Life Insurance Association of District of Columbia—President, D. S. Hendrick retary, W. C. Douglas; Simon Woif, Penn Mutual; Frank Raymond, Union Mutua: R. Cook, Metropolitan; EK. H. Walker, Provident L. and T.; D. S: Hendrick, Man hattan: F. Thomas, Travelers’; J. 8. Jor- dan, joenix; A. H. Gibbs, fonnecticut Mutual; S. Garland, Mutual; G. L, Hunt- zinger, Prudential. Life Insurance Association of New Jer- sey—President, S. 8. Day; secretary, M. A. H. Hoagland; 'H. B. Cooper, Prudential: A. L. Richards,’ Prudential; G. H. Metropolitai Life Insurance Association of New York— President, R. E. Cochran; secretary, T. P. Goodrich; James Yereance, Equitable; John F. Makley, National; C. A. Weidenfelier, Metropolitan; G. W. English, ri H. A. Appelius, New York; Mutual; R. I. Murray, P T. Blodgett, Equitable; C. L. Walker, Mass. Mutual; R. E. Cochran, United States, Life Underwriters’ Association of Eastern New York—President, H. S. Bull; secretary, . L. Post; H. S. Bull, Home: D. H. Ayers, New York; C. A. Wardle, Phoenix. Life Underwriters’ Association of Minne- apolis—President, C. W. Van Tuyl; secre- tary, H. R. Shepard; E. R. Ward, Phoenix Mutual; Frank M. Joyce, Mutual Benefit. Life Underwriters’ Association of New Hampshire—C. L. Meloon, Union Mutual; J. A. Wellman, National; C. E. Staniels, Connecticut Mutual. Matthews, Life Underwriters’ Association of St. Louis—W. G. Day, Provident L. and T. Gecrge Tilles, Equitable; Robert E. Snow, United States; H. M. Leonard, Home; I. D: Sperry, Phoenix; Charles D. Bolin, Union Central Life Underwriters’ Association of West- erm M: ‘achusetts — William Tolman, Berkshire; W. L. Richards; G. P. Mitchell, New England Mut. Michigan Life Insurance Agents’ Asso- clation—President, D. A. Pierson; secre- tary, C. S. White; C. L. Vieman, John Han- cock; C. W. Pickell, Mass. Mutual; A. E. j Jernings, Provident L. and T.; 8. F. Angus, Home; C. L. White, Northwestern; S. Wells, jr, John Hancock. Minnesota Life Underwriters’ Association President, Richard Hurd; secretary, T. W. Forbes; Frank M. Joyce, E. R. Ward, E. W. Peet, Mutual. Nebraska’ Association of Life Underwrit- ers—President, John Steel; secretary, C. %. Gould; H. D. Neely, Equitable; 0. F. Funcke, Connecticut Mutual. Philadelphia Association of Life Under- writers—President, E. H. Plummer; secre- tary, F. E. Hammer; F. Read, National; Jcseph Ashbrook, Prov. L. and T.; I. L. Register, Equitable; W. G. Carroll, Con- necticut Gen.; F. LeBar, Prov. L. and T. Pittsburg Life Underwriters’ Association —President, H. C. Ayres: secretary, G. C. Wells: J. Russell, Prudential; B. H.’ Ligh foot, Prov. L. and T.; W. H. Bard, United States; R. A. Clark, Phoenix; W.'H. Mc- | Manus, Prudential; G. C. Wells, North- western. San Francisco Life Underwriters’ Asso- clatien—Pre dent, John Lancers; tary, G. C. Pratt; John, Landers, Manhat- tan; Henry K. Field, New England Mutual. Virginia Association of Life Underwri A. Cary, Northwestern; J. V Germania; Blair Bamsier, Travel- Association—President,.. Henry Wertimer; secretary, Warren Craig; Henry Wertimer, Prudential: W. P. Jones, New York; H. S. Munscn, Aetna; J. W,, Pressey, Pennsyl- vania Mutual; 8. J. T. Bush, United States. Wisecnsin Association of Life Underwrit- ers—President, J. B. Estee: secretary, T. H. Taylor; J. S. Norris, Phoenix; Thomas H. Bowles, Mutual; E. B. Naish, New York. Insurance Journals, Among the representatives of insurance journals present at the convention are the following: E. N. Hopkins and F.. A. Durham, Under- writers’ Review; A. J.. Flitcraft, Couran’ J. N. C. Whiting, American Exchange and Review; R. R. Deardon, jr., U. S. Review; C. I. Simonson, Investigator; H. R. Hayden and C. A. Jenny, Weekly Underwriter; N. H. Weed, Western Insurance Revie Cc. M. Ransem and Henry N. Pu nam, Standard; Messrs. Thomson, Barn- by and Barty, Spectator; Franklin Web- ster, Insurance Press; Geo. W. Hatch, In- surance Age; Max Cohen, Views; C. E. Rolling, Argus; H. E. Roberts and A. G. Hall, Surveyor; C. A. Hewitt, Insurance Post; G. L. McKean, Independent; N. A. McNell, Insurance News; F. C. ’Oviott, Chronicle. : = — Du Maurier in Worne.° n The, condition of George Du Maurier, the artist and author, who has been seriously ill ‘n London with lung and heart trouble for more than u week, is extremely critical. ST. ELIZABETH’S YEAR Annual Report of the Condition of the Hospital. LARGEST NUMBER OF PATIENTS KNOWN Tribute to the Late Doctor Toner, President of the Board. PROPOSED NEW CHAPEL Dr. Godding has submitted to Secretary Francis fcr the board of visitors to the Government Hospital for the Insane the annual report for that institution, which presents much interesting information in regard to the important work undertaken by Dr. Gcdding and his associates. There were in the hospital June 30, 1896, 1. patients, of whom 370 were admitted dur- ing the year. Of these inmates 1 men and 405 women; came from the army; 79 from the nay; from the ma- rine hospital service, and 904 from civil life; 309 are colored. There were 89 patients discharged dur- ing the year as recovered, 53 as improved and 8 as unimproved. During the ycar 157 patients ¢ied. The institution had unde treatment during the entire year 2,07: cases. The patients from civil Mfe remaining June 30, 1896, are classified as follows: Dis- trict of Columbia, transient, 106; D! of Columbia, resident indigent, GSS; United States convicts and criminals, 107; private patients, total, 904. Of the 9, by the hcspital staff 5,902 were native born, and 3,768 were foreign, with 255 un- known. The District has furnished 1,104 cases. The largest number of foreigners have come from Ireland, with 1,726 pa- tients, and Germany comes next with 1,150. The next lowest number is charged to Eng: land, with 229 cases; then follows Franc: 75; Canada, $5; Scotland, 83; Switzerland, Italy, Denmark, Norw 1: Sweden, Polané, 18; Prussia, Russia, 22. It is interesting to note the results of treaimenc with the patients of the year, as shown by the following table Pererntage of cases reco Percentage of cases improved. 15. Pe tge of cass unimprov- dled. s remaining 16.81 tage of cases tage of c 1 While the number of admissions last year 100100 was one less than during the previous year, the number of patients in the hospi- tal every month and during the whole year was the largest in the history of St. Eliz- abeth’s. Many of the newcomers are v erans of the late war. The zumber of these is increasing rather thaa diminisning as the years pass. Anacostin Flats. Dr. Godding’s yearly word of caution in regard to the Anacostia flats appears as usual, couched in temperate and patient language. He says: “It is to the steady increase of the num- bers of men advanced in life, coupled with the msalubrity of the adjoining flats of the Eastern branch of the Potomac, that the higher figures of the mortality are main due. There has been a not:ol any further government work on these bot- toms during the past year, and one mignt therefore hope for sume subsidence in the growth of ague germs. But the mischief wus done by the previous abortive inter- ference with nature in throwing up those mud bars, which do not fill the flats, but stop the currents; bars that with the ebb of each tide rise out of the stagnant pools, green with a slimy growth and reeking with malaria, creating a land of noisome odors, out of which come emanations fit only for the valley of the shadow of death. The river and harbor bill of the iasi ses- sion of Congress carries $100,000 for the im- provement of the Potomac river. It is per- haps too much to hope that any portion of this will be diverted to the Eastern branch for the healing of Anacostia and St. El: abeth, for the benefit of the dwellers in South Washington and its suburbs. In any event, the deferred completion of the work undertaken on those flats by the United States government means increased sick- ness and death in the early autumn among those who have a home here; a home not of their own seeking, nor are they held for crime like those whom the same miasm overtakes at the United States jail on the opposite shore, but men who fought for their country, missing a grave on the bat- tlefield only to find it here. The true sol- dier patiently endures, yet who could blame him ff, in breaking his silence, he should exclaim, ‘How long, U Lord, how long” ” Who May Be Admitted. There often occurs inquiry as to what cases e admissible at St. Elizabeth's. Legislation governing this matter is so scattered thrcugh the United Siates stat- utes that it is not always easy to say who may or may not be admitted. A digest of the statute provisions shows that insane persons are admitted on the order of the Secretary of the Intericr, zhe Secretary of War, the Secretary of the Navy, the Secre- tary of the Treasury, the Commissioners of the District of Columbia, the president cf the beard of comm:ssioners of the Soldiers’ Home and the president of the board of managers of the National Home for Dis- zbled Volunteer Soldiers, respectively. The patients are from the army, navy, marine corps, revenue cutter service, marine hi pital service, the Soldiers’ Home, the N tional Home for Disabled Velunteer Sol- diers, resident and non-resident indigent in- sane from the District of Columbia, United States convicts and persons charged with crime under United States laws. “The sources of supply are s0 varied,” says Dr. Godding, “that there ts probably no danger of the hospital ever becoming de- populated.” Incependent or pay patients from the District were formerly received on payment of board and other expensi but as the buildings have long been overcrowded this class is no longer admitted. Under United States Revised Statutes the words “insane persons’ “lunatics” are held to include every idivt, non compos, lunatic and insane person. Accordingly imbecile and weak- Minded persons are often sent to the hos- pital from the District. Foisted on the District. The tramp irsane in the hospital, of whom there are now 106 cases, are there temporarily, but as their friends cannot be found they are the most permanent class of inmates. As to one element in this class of patients, Dr. Godding says most practically and justly: “The seat of goverrment attracts presidential aspirants, crank inventors, persons with a grievance, the great army of the unemployed, wild- eyed fanatics and dusty tramps, and it is only to be expected that quite a number of these will each year find rest under the shadows cf St. Elizabeth, but why should it become their permanent home? Often no friends nor residence can be found, and, if the insanity is active, the District au- thcrities have no choice but to let them remain. But, after making due allowance for this, it can hardly be doubted that there is a considerable number of assisted emigrants from neighboring states, where the hospital has almost too good a repu: tation; and in far too many cases cor- respondence with near relatives of the un- fortunate man in the state of his resi- dence shows no yearning on their part for his return. These would plainiy seem to be cases where the District authorities should actively interfere, and thus, in the language of the statute, relieve the Di trict of the expense and charge of such indigent insane non-resident.” Next Year's Expenses, The following estimate of expenses for the year ending June 30, 1898, is submitted: For current expenses, $374,000; for gen- eral repairs and improvements, $15,000; ad- ditional accommodations, viz., infirmary building for 150 inmates of the National Home for Disabled Volunteer Soldiers, $75,000; rebuilding shops, $7,000; new laun- dry, $18,000; chapel building for divine wor- ship ($25,000, of which $5,000 is asked in this appropriation), $5,000. ‘The basis of this estimate is an,annual cost of $220 per capita for an estimated average number of 1,700 of the above class- es. For a number of years past this ap- INDEX TO ADVERTISEMENTS. AMUSEMENTS. +-Page 12 ATTORNEYS -Paze 4 AUCTION SALES. -Paze 10 BOARDING -+-Pare 4 BUSINESS CHANCES. CHIROPODIS£S CITY ITEMS. . -Page Page -Page eee eee eee awe oe COMMISSIONERS OF DEEDS. -Page DEATHS -Page DENTISTRY 3 -Page DUCATIONAL EXCIRSI FALL RESORTS. -Page -Page FINANCIAL FOR EXCHANGE. FOREIGN POSTAL § FOR RE! Maneoas) FOR SALE (Bicyeles) FOR SALE (Houses). FOR SAL NTED (le sED WANTED (Room) WANTED (Situations). sundry civil and the District bill. Follow- ing the rule of th years, the increase of that made in the District bill being based on the increase in the number of District patients durir r, the amount in that bill wi 3, leaving $264,- 41.04 to be appropriated in the sundry civil bill. ‘ The new laundry seems indespensabdle. The present facilities were provided for years ago, when there were but mates. They now receive 51,000 pi week, and are wholly inadequate. The Proposed Chapel. new chapel Dr. Godding ay “A distinct building for religious wor: has long been needed. The present sembly room does duty as a amusement, a hall, while on Sunday the stage is cleared of the properties of the play to make roc for the sacred desk. The board ha felt that this incongruity should cea: the Insane have religious as well rights. The devotional nced is a with a large class of th= in been recognized here, where five chapla cf different. denominations minisver their spiritual wants and break the bread of life to souls that sit in shadow. Who shall venture to say that a suitable house ct worship is not needed here, or dare to deny to their struggling aspirations the in- spiration that comes through devotional forms on organ swe'ls with ‘dim, religious light?" This is a fe nt with them, viz., the old hymns, th- confession of apostolic faith, the bells of the Angelus calling froma beyond their troubled lives.” Tribute to Dr. Toner. The report makes the following allus to the late Dr. Toner, president of the b Of the as- place for dance room and a lecture of itors, and includes the resolutions adopted at the time of his death: “It is gratifying to us to know of such good work done in the Toner building. How he who gave his name to that buildin would have rejoiced in it a‘l, and yet the name comes to us now only to remind » of our Dr. Joseph 3 ‘oner has been | taken from us. He had been so long an active member of the buaru, for so many years its presid that something seem wantirg from this annual report without his genial presence ani wise counsel in its Preparation. There was nothing about § Llizabeth or its iumaies in whieh he not feel a lively interest. and as the yea Went on, with his name on our he buildings and his pleasant so often upon us, to suggest St. Elizabeth. It leaves a void that will not soon be filled. He died sud- denly at Cresson, where he had gone for a brief summer rest. He had gone in the full expectation of returning long before our annual meeting, and looking forw: to it as to a coming hume. He aas found the home that his !ife had so well deserved, iid and contemplating tre nobility of that life | we find an inspiration to go on with ih work here which lay so near to his heart Base DISCUSSING CUT RICES. Annual Convention of Draguists. The first business session of the twent second arnual convention of the National Wholesale Drugegists’ Association began yesterday in Philadelphia, President J. el of Minneapolis in the chair. The delegates had been welcomed to the ci Monday evening by Director of Public Wholesale Safety Riter, who acted in the absence of the mayor. Probably the most important matter to be acted upon by the association during their three days’ convention is the report of Mahlon N. Kline, chairman of the sub- committee on proprietary goods, which Was read at yesterday's session. The rm port was a long one and dwelt almost en- lirely upor the recent suit of John D. Park & Sons Company of Cincinnati against the association, in which Park charged the druggists’ association with con- | phia, Pa spiring to prevent him from selling pro- prietery articles at cut prices. The re- port cited an instance where goods sched- uled ai $LN) per dozen had been disposed of at G0 cents per dozen. {The report caused considerable discus- sion. see Hotel Arrivals. Raleigh—C. Y. Wheeler, J. M. Phillips, A. Rutherford, T. H. Skinner ard J. H. Emerick, New York; D. M. Carter, Chicago, Il; J. C. Pusey, F. A. Keys and S. Alex- ander, Philadelphia, Pa.; E. L. Murford, Providence, R. I.; Mr. and Mrs. J. Landers, San Francisco, Cal., G. A. Thornton, Pitts. burg, Pa. Willard’s—H. W. A. H. James and W. Ma: York. , Cochran—J. J. Hammond, Kans: ee D. H. Tunison and wit E. Dover, N. J. holls, Bostot D. A. Fyfe and N. Findlay, N is City, New York, M. Wilbur and wife, Concord, N. H.: . Jones, Portsmouth, N. H. ormandie—Dr. J. H. ‘Mitchell, Philadel- J. W. Sherman and Miss M. E. Sherman, Chicago, Il. Shoreham—H. ‘Benjamin, __ Cincinnati, Ohio; A. Schmid and L. B. Stillwell, Pi burg, Pa.; E. Hughes, Sy . A. M. Bangs and P. H. E H. R. Hayden and wife, Hartford, Conn M. Hamburger, Chicago, Il. Page’s—L. C. Vanecek and wife, New York. Oxford—W. H. Bird, Pittsburg, P: H. L. Hick, Madison, Wis. Riggs—S. Simpson and S. W. Moore and wife, Kansas Cit Chattanooga, Tenn, Peck, Boston, Ma: Moines, Iowa; Arlington—J. C. Mo.; W. B. Graves, Schwab and C. A. ‘. Hopkins, Des . Bell, New York. Biggert, Pittsburg, Pa. H. W. Smith and J. M. C. Whiting, Pitts: | burg, Pa.; H. L. Munson, Buffalo, N.Y J. W. Janney, Chicago, lil; L. Chambers, w York; G. Porter, Bridgeport, Conn. Ebbitt—H. Constabie, New York; F. Havens and C. Atmore, Philadelpi J. A. Finch, Indianapolis, Ind.; W. 1 A. Pa, Po ers, Chicago, HL; M. J. Murray and wife, | Boston, Mass. Hamilton—S. P. Masher and H. E. Hotch- kiss, New Haven, Conn. Johnson—W. H. Smith, Atlanta, Ga.; Jo- seph Wilmer, Rapidan, Va.; W. S. Weed, St. Louis, Mo.; F. W. Leavenworth, De- troit, Mich.; John Bryan, New York; J. Cc. Caldwell, Cincinnati, ‘Ohio; Ross '"W. Smith, Fittsburg, Pa.; J. B. Maguire, Fort Wayne, Ind. Metropolitan—S, C. Kuhn, New York: H. Jackson and wife, Taunton, Mass.; H. D. G. Kipp, New York; M. J. Condon, Knox- ville, Tenn.; Mrs. H. B. Hagedorn and M:ss- es Hagedorn, Philadelphia, Pa.; H. C. Si bell and wife, Williamsport, Pa.; Mrs. J. Way, Williamsport, Pa.; Rogers, New ¥ork. St. James—E. J. King, New York; E. C. Lyon, Philadelphia, Pa.; J. A. Hunter, Chi- S. Thomas LE. cago; G. C. Butts, Norwich, Conn.; J. H. Ford and wife, Grand Rapids, Mich.; A. T. Thomson, Philadelphia, Pa.; Lou's R. Cochran, New York; Z. C. Martin, West propriativa has been divided between the | Chesier, Pa. ils a Sensible iMoney Policy ( Whether sou are a bell ( s Tin free silver or the 1y deposit part of your id sours in petty sp Interest hy lettin, you lay up = any wh ) account } going. Imterest Paid Upon Deposits. on daily Valances su have a WED ON DEPOSITS It ts 7 added to the principal, and wade si cheek, vestments For Sale. dited cn your pass book, ct to We have sume first © per cent rotes for fn any amoorts st pare in burgiar and fire-proc eyorlt and storage of val- real estate sold, vckazes, JOUN JOY EDSON. JON A. SwWor JOM? a Treasurer Aidrew PARKER. . Sceretary Washington Loan and TrustCo. < COR. STH AND F S' The National Safe Deposit, Savings and Trust Company, Of the District of Coluny CORNER 15TH ST. AND NEW YORK AVE, Chartered by epeciat act of Conzress, Jan., 1867. and acts of Oct., 1899, and Feb., 1892, CAPITAL: ONE MILLION DOLLARS. ROOM 8 AND 11, ATLANTIC (MEMBER WASHINGTON i WANGD, Real Estate & Stock Ercke Direct Wires New York and Chicago. Commission on W heat,1-16. Telephone 453. gel3-2id 1a 5 Correspondents of Me pated Wa Bankers and Denlors in ¢ Deposits Rallroad Stocks listed on the exe ernment I Ler Ke Bonds "and f Nuw York, ities Jelphia, Dis- anes & boug! bbs & Co., BANKELS. Members New York Stock Exchange, 1421 F Street. Correspondents: of LADEMBUKG. LUALMANN & CO., j de6-16a York. RROKERS AND DEALERS. STOCKS, COTTIN, GRAIN AND TROVISIONS Rooms 10 and 11, Corcoran Wdg., cor. 15th and and GUS th st. nw. OFFICES. Philadelphia, Baltimore und Wasbingtoa. Ae10-160f F sis. Silsby & Company, BANKERS AND BLOKELS, fice, 613 15th st. o.w., Natioal Metropolitan Brak building. mbio EB INVESTMENT. AND A tiful home at Cleveland €10 14th «te ENGLAND CONTROLS THE TRAD Experience of American Manuf; ers in Brezil and Argentine. Among the passengers who re York yesterday on the steamer New York was S Fishback of the Am Fruenos Ayres, in company with a party of fifteen American manufacturers, who had been studying commercial interests in South America. Secretary F k expressed himself as being highly pleased with the cordiality of the reception which the party, individually and received at the hands of the president and ministers of the Argentine Republic, and by the min- ister of industry, chamber of commerce and board of trade in Brazil, which was reached August 25. President Moraes of Brazil, through his minister on foreign af- fairs, Carvalho, invited the representatives: of the United States manufacturers to the presidential home, where they were given a special audience. On September ¥ Secretary ishback and his party, which had now been reduced to fourteen. S. Bacon having died August ng examined the S districts at San Paulo, and journeyed to the Argen- tine Republic. Here sevent days were consumed in examining the grain districts, and during the whele time the party was entertained by President Uribua and Min r of Fy eign Affairs Alcorta, the of com- the board of trad ® s, who placed a special train at the disposal of the party. The entire time consumed i the Argentine Republic was one wr series of fetes and banquets, the every instance turning out to do the party honor. Secretary Fishback said that {ent time it was impossil States manu turers or me‘ pete with the english in th m cial centers in South America. Th« hments in every. ce E. S$. Bacon were York, and will be r ning for interment ever to Thursday. joved on A Handsome Gua Mr. Marian L. O'Donoghue of this city has presented a handsome silyer-mounted gevel to the Elizabeth Wadsworth Chapter, D. A. R., of Portland, Me. it was made from the wood of an ash tree on the grounds of the Exe. was blown down May 29, NW, and planting of which is said to be coeval w the laying of the corner stone of the bulld- ing. itive Mansion, which the — The stean ship Majestic, which salls from Liverpool today for New York takes Mr. and Mrs. Arthur Caton, Marshall Field, Alexander Geddes, all of Chicago, end eorge Ward, director of the Commercial Cable Company.