The San Francisco Call. Newspaper, February 28, 1898, Page 9

THE SAN FRANCISCO CALL, MONDAY, FEBRUARY 28, 1898. The military department, so far, Is. giving entire satisfactlon to teachers and the faculty, who, be it said to their credit, are giving \Y \Tl 0\r A | much interest in the vartous arinl exercises.” | | A Y | % ¥ e L + GUARD NOTES How the’ First Regiment Infantry May Be Called Together. | e oo | The New Major - General Is | Looking Around to Learn What Is Needed. | An Army Officer Who Tells of the | Necessity of Imparting Mili- tary Knowledge. re is, at this time, in view of pos- sible war with Spain, a great deal of war talk in the armories of the First Regi- , in the armory of the d in that of the cavairy, extends throughout | within the territorial eda, Contra | imboldt, Lake, Men- Troop A the Second B limits | officers, it loyal support. It would indeed be strange it they were not allve to its merits and ad- vantages. 1t 1s needless to remark that the Government is no loser by the efforta it puts forth toward sustaining these institutions, Had this sys tem been In vogue before the Civil War we would have -had a splendid nucleus upon which to form armies. The material in tens of thousands of trained and inteHigent man- hood”fs now at hand and Increasing every year, to spring to arms at the first call of the President. In t.ls connection the following from the report of the inspector-general is pertinent: “One of the oldest colleges, whose military department was established as early as 1819, is sald to have’furnished from Its alumni for the Civil War 12 general officers, 2 colonels, 40 fleld officers and 198 company or a total of 275 commissioned offi- cers.” "What stronger argument do we desire than this plece of history, buried In the pub- lic archieves, presents? If a few of the surplus officers of the | United States army were detailed to at- tend the drills of the companies of the National Guard they would find as good material to work upon as they find in the | schools and colleges, and as the great majority of the men who belong to the guard are anxious and willing to become Soldiers the instruction that such officers could impart would do much to make the National Guard a much more effective organization than it is now and the Gov- eérnment would in time of need have much moreefficient men than it can obtain now, but probably not more willing. What the | National Guard needs is instruction the same that {s imparted in the regular army so that {f called upon the National Guardsman may’ know exactly what the regular does. THE NAVAL E ;IILITIA. It 18 probable that this week the men of the two divisions of the naval militia { located at this port will be given their respective positions on the Marion and be instructed in the particular duties re- Santa Cruz, So- ara and San Mateo coun- | The majority of | s well as the officers, moment's notice to don n to the regularly organized Second Brigade limits— st Regim of Infantry, 872; V., Signal p A, Cavalry, 45 men— lfable to military duty, mber there could be se- ¢ w days more men than w ired to bring the two regi- x e maximum, and there erial to form a number of g t is known as a “squad the name of each d and business f an emergency be found without anizations ystem by which a certain num- nes are placed on a book which e of a non-commissioned offi- e duty it s on an emergency call at once and notify every man e is on his list to report at the By the system each man ar orce is pon of business and at ome, a 0 com- P At within two man i “irst Regiment his narch. en made y can within the eeded to pro- and shelter, and stem there will not be a repe- the difficulty that presented it- at Sacramento. when the regiment as sent to that place during the rail- i strike. e tion of John H. Dick- looking around ¢ answer the que: f—*"Where am 1 he makes the dis- to make that in w mmence with the companies of Se Brigade; those of the K T f the Third ished that b before time befors F uard, so t to know what if any are re- organ- ob- the the standard that to be effective in e at order the week orders for inspection ssued from the headquarters of d Brigade, fn conformance with to be i ed om division head- | s. Orders will also-be issued for | ons to be held in the First| ) regiments of infantry. ay night Major-Genera! the first time since his officially met the members were appointed by and who, having, om when there is neral, offered their otified that there will changes of the staff until He was formally intro- g the evening he, on be- | presented to his prede- . who was present by Invi- | e silver tea service as a token m in which he was held by o were on his staff. Smith, adjutant of the of Infantry, has been home for several days la grippe. | front an essay on | ment in_Our Schools | 3 3 ptain J. Regan of 1th United States. Infantry, is at rticular_time of great value and | nce, and its lessons are well worth | : | dates back to the anclents, | which he rudimentary art of war, llent one and deserves nt. “Nothing,” says the ins n be more important than the in- of freemen in the wisest way to de- | elr country,” and In its enforcement nciple, “in time of peace prepare for | finds its most intelligent application. | ose is patriotic, as the law providing instruction in our colleges had its | in 1566, based upon our experience in the | War, which clearly demonstrated the | n ance of giving to the young:men | ntry such a knowledge of military | s as will enable them to take an active | ficlent part in the future wars of lhe‘ spread of militery knowledge | the Jand much is due to the vet- | he Civil War. The national the v flag, | leir efforts, is now seen and ven- the school children In every ham- | {lilage. They have taken to heart the eral Sherman: ‘I cannot help at every opportunity, 4nd noble In the profession, because peace is ener- man s wise enough to foretell s may be in demand again.” | Imparting military In- heorstically and practically, has al- | uced marked results in preparing to take !mportant positions in the ard and in giving to them l’ ry bearing, 1. e., head erect, ural swing of the arms and legs. | appointing it i8 to see young men, yet | teens, ~hollow-chested and round- | These defects are now closely ob- | the schools and corrected on the | T of our Inspectors recently reporting found the cadets “straight. square- receptive and alert.’” “pector-general in his report for this bears testimony to this fact. He | “the students exhibited a marked | military instruction and evinced by “invigorates in- the morning and- ‘refreshes night.” Every - pound of tea shipped from Japan is critically in- spected by - the Japanese officials and pronounced pure and of high quality. at All good grocers sell Japan Tea. uard located in this city each |, quired of each man. There will soon be an election to fill the office of junior lieutenant at San | Diego, vice Shaw, who was promoted | leutenant and navigating officer; for and go to the front. There | lieutenant of the divislon at Santa Crus | | vice Lieutenant Morey, resigned, and it is | believed .that Carl £. Lindsey, who is in | line of promotion, will be chosen. There | will also be an electiog for eusign and passed assistant engineer in the englneer corps. (CANDIDATES FOR WEST POINT | Board of Army Officers | Meet at the Presidio | Examine Applicants. to | | Transfers Announced in Orders From | Military Headquarters—Pay- ment of Troops the A board of officers will Presidio to-day for the phys cal exam.nat.on of s for West Point as may be authorized o appear before it. The following officers have been detalied for the board: Major Robert H. White, surgeon Captain James S. Pettit, . irst Infantry; Cantain Euclid B. Frick, assistant surgeon; First Licutenant John D. Barrette, Third ar- 1 and Second Lieutenant Thomas Carson, Fourth Cavalry. The exam- tion will be conducted in accordance h instructions receiv. from the su- perintendent of the United States Mili- tary Academy. The following transfers of officer: r the First Infantry have been announced in orders from military headquarters: First Lieutenant s B. Vodges, from meet at Company 1 to Company B; First Lieu- tenant Richard .. Croxton, from Com- y G to Company I; First Lieutenant nels E. Lacey Jr., from Company B to Company G. There will be no change of stations of these officers except Lieuten- | ant Lacey, who goes to the Presidio from Benicia barracks. _Payments to troops on the muster of February 28, 1888, .are assigned as fol- lows: Lieutenant-Colonel Frank M. Coxe, | the Presidio, Fort Mason, Benicia bar- racks and Benicia arsenal; Major John S. Witcher, Angel Island, Alcatraz Island, Fort Baker and San Diego barracks. Military justice is being dealt out by the general court-martial row in session at the Presidio. The latest victims are: Private Max E. Riepe, Company H, First Infantry, who has been tried and found guilty of being drunk and disorderly in quarters and of disobeying and assault. ing a non-commissioned officer. He nas been sentenced to be confined at hard labor for a period of four months and to | forfeit $10 per month for the same period. Private Willlam Howard, Cumpm‘)” og, First Infantry, has been tried and iuund guilty of refusing to obey a non-com- missioned officer and of using threatening and abusive language toward him. He has been sentenced to be confined at hard labor under the charge of the post guard until the i3th day of March and to for- felt $30. First Lieutenant Alexander T. Dean, Troop B, Fourth Cavalry, who has been absent on leave, will return March 3 to the Presidio for duty. The leave of absence granted Lieuten- ant-Colonel Charles P. Egan, chief com- missary of the Department of California, till February 27, 138, has been extended fourteen days. Recent orders from Washington detail the followin, to meet at the Presidio for the examina- tion of officers ordered before {t: Colonel Charles M. Greenleaf, assistant surgeon- | | general; Colonel Evan Mil . commanding the Presidio; Lieutenant-Colonel J. V. D. Middleton, chief surgeon Department of | California; Lieutenan Morris, Fourth Caval Kinzie, third Artillery; First Lieutenant Robert H. Noble, aid ‘to Brigadier Wil- liam R. Shafter, recorder. The board will meet at _the call of the president. First Sergeant John F. Studt and Pri- vate James W. Garrett, Company B, First Infantry, now stationed at Benlcla bar- racks, have, upon their own application, been transferred to the Fourteenth In- fantry as privates, and will leave In a few days for Vancouver barracks, Wash- ington, where the regiment is stationed. fajor Willlam C. Shannon, surgeon United States army, who has been on sick leave at Omaha, Nebr., has been ordered to report upon the expiration of his leave to Colonel C. R. Greenleaf, assistant sur- geon, United States army, and president of the retiring board at the Presidio, for examination. “olonel Louis T. ————— RACING AT INGLESIDE. A Big Array of Mud Larks Will Have an Outing This Afternoon. The track at Ingleside Will be of the splashy sort, and the webfooted gallopers will be In great demand. The card, all conditions considered, is a véry fair one. The entries are as follows: First Race—Seven furlonga: selling. (638)Jack Martin 643 Velox 67 Wm. O 5 LB 331 Capt. Plersai. 657 Daylight 632 Coupon III.. Second Race—Half mile; two-year-olds. 638 Engea . 638 Primavera 661 Master Buck. 661 Ocorona. .. 638 Complimentary Third Race—Seven furlongs; selling. 649 Durwad 460 Moringa 657 Benamela 657 Veragna 652 Nithau $6 | 660 Oahu .. &5 Vivo 100 | 847 Cavallo 667 Humbug 647 Schnitz Fourth Race—One mile; selling. anita .....106 [ 851 Devil's Dream. 4 Huralpa 104 | (657)Charles A 651 Red Glenn 111| 628 Paul Pry 540 Joe Ullman 656 Hazard . €05 Paiomacita Fifth Race—One and 2 sixteenth miles; sell- ing. can’t Dance ..107 | 645 Gotobed .94 Rl 91 | ¢0a) Argentina ......109 38 Los Prietos & S o Fan oo 854 Little Cripple . Sixth Race—Seven-elghths of a mile; purse. 563) Mel. Burnbam..108 | 586 St. Calatin .103 665 Bonito 103 | 660 Odds On . 05 SELECTIONS FOR TO-DAY. First Race—Daylight, Coupon IIL Jack Martin. Second Race—Ach, Rainler, Primavera. Third Race—Moringa, -Benamela, Schnit:. Fourth Race—Palomacita, Paul Pry, Haserd. Fifth Race—Argentina, Can’t Dance, Little Cripple. Sixth Race—Odds On, St. Calatine, Bonita. | officers as a retiring board | Major David H. | CAUGHTIN A - - SOUTHEASTER Overdue Steamers Santa Cruz and Walla Walla Arrive. Encountered Heavy Weather From Flattery to the | Golden Gate. Visitors Were Not Allowed Aboard the Mohican Yesterday Owing to the Storm. A storm-tossed fleet of vessels reached port yesterday, and the pas- sengers and crew were not sorry to reach a safe anchorage The steamers Santa Cruz and Walla Walla were overdue, and their captains state that it was blowing as had Wwhen they reached the Golden Gate as it was when they passed out of the straits of San Juan de Fuca. The bark Alden Besse arrived off the Farallones on the 23d inst., but the southeaster was too much for her, and Captain Potter had to put to sea again. She was | twenty-one days coming from Hono- lulu, and it was a fair-weather voyage | until this coast was reached. The bark Oregon from Newcastle, N. S. W., was reported from the heads | last Friday as being “fourteen miles | southwest.” She was then out eighty- six days, and Captain Parker was con- gratulating himself on the termina- tion of his long voyvage, and refused a tow from Captain Randall of the tug | Fearless, when the gale came along and he had to stand out to sea again. Yesterday it was blowing forty miles | 2n hour at the heads, so her chances hw getting in to-day are not very ‘ good. The Santa Cruz struck the gale al- most as soon as she got away from Se- attle, on the 20th inst., at 8:30 a. m. With a falr amount of luck she should | have been here Thursday last, but in- stead of that she was bucking into a heavy sea off the coast of Mendocino. | At times no headway could be made 2t all, and had it not been for the sails Captain Gielow says he would not be here yet. With steam and sail the | Santa Cruz managed to beat her way down. So many tacks were made dur- | ing the seven days the vessel was at | sea that toward the end the sallors | thought they were on board a ‘‘wind- jammer” again. Off the Columbia River it blew a hurricane, and the ves- sel had to be hove to. But, all's well that ends well, and last night captain and crew took a well-earned rest In | port. The Santa Cruz has been carrying freight to Dyea and Skaguay, and no one aboard the vessel has any desire to go back to that part of the country again. The wharf runs out for miles over a mud flat, and even then the Santa Cruz could only get half her length alongside of it. The tide rises | feet, and the wind blows so hard at | times that the men had to hold on to | ropes in order to keep from being blown overboard. The officers on the steamer predict that the route be- | tween Seattle and Juneau, Dyea and Skaguay will be strewn with wrecks of | many a good steamer before the winter is over. The steamer Walla Walla got In yes- | terday from Puget Sound ports. She | also caught the southeaster, and was nearly thirty hours late on the run. Captain Wallace rejoined his vessel this trip after a vacation spent in the | East. He was congratulating himself | prior to the sailing of the Walla Walla | from this port on the fact that the | worst of the winter was over. He had barely reached Point Reyes when a northwester came and the steamer caught it all the way to Victoria. B. C. On his way back he ran into the souhteaster and had to endure another siege of it. “We caught the first of it | off. Cape Flattery,” said Captain Wal- |lace yesterday, ‘‘and the gale stayed | with us right into port. Every night I | thought that by morning we would | have run out of it, but no it stayed by us and was blowing as hard at Point Bonita as it was off Flattery.” | The ofl steamer George Loorhis was | to have sailed for Ventura yesterday. Captain Bridgett took his vessel out as | far as the bar and not liking the looks | of the weather came back to port. The bilg four-masted British ship Speke is disgusted with the turn af- | fairs have taken and refuses to leave her bed of mud in Oakland Creek. The vessel arrived here on.November 18 last | and at that time freights were high and charters plentiful. Captain Wain- wright, for his owners, refused an offer |of 35 shillings holding that the price would go to 40 shillings before the season was over. Instead of going up rates went down and finally the own- ers of the vessel were glad to accept 25 | shillings. This sudden drop disgusted | the Speke and when the tugsSea Queen | and Redmond went over to pull her out of the mud and take her to Wheatport | to 1oad she could not be budged. An- other attempt will be made to haul her out when the high tides come. It was too rough on the bay for vis- itors to get out to the sloop-of-war Mo- hican yesterday. In fact, visitors were not wanted aboard, as out of the 127 ap- prentices on the warship there was not & score but what was seasick. The boys have not got their sea legs yet and as the Mohican has considerable top ham- per she rolls a great deal more than | the lads like. The messroom was de- | serted, but every quietcorneron theves- sel was occupied. Many a boy on that warship came to the conclusion yester- day that "a life on the ocean wave’” is not what it is cracked up to be. The ferry steamers Sausalito and Ti- buron caught the full strength of the gale as it swept In through the gate. Both boats faced the wind as much as possible, and when off Meiggs wharf | were put about and run before it along the wharves to their landing slip. Nei- ther ope of the steamers made a run yesterday but what a dozen or more of the passengers were seasick. VIEWS OF JESUS. | i3 | Sermon by Rev. Edwin Hart Jenks at Howard-Street Church. Rev. Edwin Hart Jenks, co-pastor of the First Fresbyterian Church, preashed at FHoward-street Methodist Episuopal Church at-the morning service. His theme was *‘Views of Jesus.” He said: “At the last Passover before his death certain Greeks came to the disciples, ask- ing to see Jesus. They wished to meet and conversewith him, not merely to look at him. They wanted a more intimate relation with Jesus, so they asked to see hrm., 'We would like to see Jesus. Curlcrity Is aroused to ask how he looked. Was he tall or short, falr or dark, handsome or plain?_No picture quite fills our ideal of him. But this is not so important as <o _know him ter. The first thing to ask is what has he done? We can Mfl’ by the historical setting of a man's ilte whether it is worth while to inquire fur- ther of him, We can answer this best negatively Take Christ out of Uterature, . out of law, out of civilization, out of {lLe hearts of men and learn what a place lie fills. ‘We are far enough away to see how colossal was his flgure When he stepped into the world’s life. The world to-day is seeking to deal honestly by the truth. No fear but what the Listorica! Chrict will grow in mien’s eyes as Lhe age advances. Next we would ask what character he bears. The world's: representative an- swers: ‘I find no fault In him.” He stands as the {deal of a man's life, what God | would have men to be. Manhood, stal- wart, noble, restored in the divine image is realized in Christ. Then he is the manifestation of God himself. But the higher we put him the further from our reach he seems. We would this morning see Jesus in a nearer light. We must then learn what he is personally to us. Then, and then only, shall we really see and understand him. He died for us. The words are trite; when they are belfeved and his sacrifice is made personal it is the greatest fact in the world, and it makes Jesus our dearest friend.” —————————— NYHAN HAD A GOOD TIME. T. Scott and Cj‘. Devine Arrested for Attempting to Rob Him. Thomas Nyhan, a longshoreman, llving at 42313 Clementina street, left his home Saturday night with a $20 gold piece and the intention to have a good time. He visited several saloons and was generous enough to ask all hands to have a drink. About 3 o'clock yesterday morning he started to go home and soon discovered that he was being followed by two men. He stopped and asked them what was wanted and they tried to induce him to £0 to a room with them on Folsom street. He declined and walked away. They con- tirued to follow him, and when he reached a dark spot on Sixth street, near Clementina, they came quickly up to him and one of them knocked him down. One held him down while the other put his hand in his victim's pocket. Nyhan fought desperately and succeeded in get- ting to his feet. He velled for the police and Policeman A. Tracey heard his cries. Tracey saw two men running toward him and he ordered them to stop. They obeyed and he took them back to where Nyhan was standing. Nyhan accused them of trying to rob him and Tracey sent them to the City Prison, where they were booked on a charge of attempted robbery. They gave their names as Thomas Scott,” a miner, and 'C. F. Devine, a clerk. —_— CHINESE BOYCOTT 10 BE SUPPRESSED Property-Owners Combine to Undermine a Pernicious and falls from twenty to twenty-nine | | many in ot System. Chinatown Improvement Association Organized to Bring About Needed Reforms. The existence of a perniclous boycott which for a number of years has been dizected against property owners in Chi- natown by Chinese tenants has roused the landlords to determined action and has impelled them to form an organiza- tion called the Chinatown Improvement Association, having for its object the se- curing of needed public Improvements’ in | that locality and the attainment of nec- essary legislation, State and municipal, to accomplish that end, and for the mu- tual protection and benefit of the prop- erty-holders. The preliminary meeting was held . in the offices of Attorney Ruef at 402 Mont- gomery street, the temporary headquar- ters of the organization, some time ago, and more than sixty property owners, recognizing the necessity of the move- ment, responded to the call or were rep- resented by their agents. Considerable enthusiasm was manifest- ed when it was stated by the.temporary chaliman, Joseph Goetz, that the asso- clation was to be incorporated from an csthetic and sanitary standpoint for the purpose of rehabilitating Chinatown on & proper basis and equallzing its assessed valuation, which is twice as much in pro- portion as that in other parts of the city, 2nd to relieve in some measure the bur- dens which the landlords in that section have been obliged to bear for some years past. It is a noted fact thst the water | rates are conslderably bigher there than | clsewhere because of the meters which are used almost entirely. Again, when- ever the Board of Health desires o make a 1ecord it invariably singles out China- | town as a good target for its operations and conéemwns buildings which in some cases are Froblbly BS substantial as ber portions of the city. But especlally will this association vig- orously combat the system of boycotting which {8 known to exist among Chinese tenants {nfluenced by the highbinders, and which works great hardships on the owners, who are extremely desirous of breaking it up. Mr. Goetz further satd: “It is impossible to proceed legally agaluet these boycotting highbinders be- :ause they never disclose their identity. For example, If & tenant is ejected, or even moves out of his own accord, & flaming red poster is stuck on the prem- Ises in which it Is stated that 350 or $100 must be forthcoming before a new tenaat Will be allowed to occupy the premises ‘Ot course, if the place is a desirable one, the new tenant, rather than have any trouble with the highbinders, will pay the money, or the landlord will do 50 in order to rent the store. One good Wway to overcome the system of blackmail is the use of forcible physical argument which I found quite effective in the ocasd of two tenants who had moved out and had me placed under the ban. After I had glven them a thorough drubbing I assure you that the boycott was instantly removed, and 1 nave never suffered from it since. But many others do, and we in- tend to organize for mutual defense s Ruef, the legal adviser of the as- soclation, when seen yesterday, sajd: This i the first concerted effor: ‘of (il fatown property-owners to oppose organ- ization with organtzation, nnfif they wish to demonstrate }ih“ they alone control on, and propose to heathen boveotters with: some. 5§ hese own medicine. Two-thirds of the lary. lords are suffering from the boycott of highbinder tongs, which have that speclal object in view, and the necessity for op- ganization Is apparent to any one cone ve.riant wltxh existing conditions, ‘A committee on organizatio, appointed to draft a consmuusnh:dbge? laws and at the same time prepare lull]n’. ble articles of incorporation, and consists ‘i’t 4 %uef, Gn:‘slgn S}imu!' Joseph Gaetz, . B. Berges, John Harms, D. ¥ Licherman and . A, Wiy Sabin, L P. B. Berges sald: “I have sufferer by reason of the bo; in Chinatown, and it is tim :hln( ble donelhlo bredlk th conspiracy that is doing so m. to those who have money mvm‘éfihmh&'x’f natown. I own a store at 17 Washingto, place that has been vacant for twentn months because I ejected the last tennn{ ;gl; f‘gsiluradto pt‘); his uni_l The stors rents . and yet, Just to show nerve 'of these *boycotters: oy “HAZNE owners of the Jackson-strees fered me $22 50 for it, but mon]tdhl' rer;‘t! tre;. for he would cost him that amount to bovcott lifted by the highbinaers Sihe adding blackmall to the boyeer,s thUS been a great yeott system e that some- © backbone of —_——— IMPROVED ORDER OF RED MEN., The district ccuncll fire held under the Joint auspicgs of Awashate ang White Eagle tribes In Twin Peaks Hall on Frf. day night was & most delightful affair, that was attended by many friends of both tribes, there being among them a large number of ladies. There was a long talk by Great Senlor Sagamore Col- lins; recitation by Mr. Jennings; jubilee songs by Mr. Hawkins, and voca] ec- tons by the Moore quartet—father and three sons. This was followed by danc- ing that was kept up until midnight. Great Chief of Records C. F. Burgman, mcumganied by Mrs. George W. iovla, eat Pocahontas; Mrs. Annie Bishop and Pocahontases, rs. Wentworth, past went to Stockton last Baturday to instj- lult’q a ne; council thg:l& s reparations are ng made for mnf.oelebuuon of the i"ourth of Jul; of the Jubilee year in this city. The Great Incohonee {8 expected at that time and 1000 Red Men will turn out to re- celve him. Pocahontas Council m l.:t leasant party in St. George's onday night. 3 INSURANCE. FIFTY-SECOND ANNUAL REPORT —OF THE— CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. To the Members: The financial operations of the last year, as summarized in our report to the Insurance Department, were as follows: ..$60,981,671 61 Net assets, January I, 1897.. Received— For premiums .... $4,743,410 04 | For interest and rei 153,044 47 | Balance profit and loss. 65,259 §2 961,744 33 Total income % $65,943,415 94 Disbursed— For claims by death and matu endowments. . Surplus returned to poi- iey holders Lapsed and su polices .. 4,456,532 28 1,284,481 48 506,138 76 337,447 47 advertising, lef estate and all expenses of manage- ment Taxes Total expenditures ... Balance netassets, January 1, 1898..$61,408,650 3§ Add Interest, due’ and accrued, market value of stocks and bonds over cost, and net de- ferred and uncollected premiums, as per item- A suement e e Gross assets, January 1, 1898 963,588,660 98 Total liabllities 56,227,724 97 Surplus, January 1, 1898.. $ 7,360,936 01 The General Results in 1897 have been satisfactory, notwithstanding | conditions are not wholly favorable. The recovery from the previous business de-| pression has not been as rapid nor as complete as many had hoped; the uncer- tainties of a confused currency system still remain to keep prudent men wary; great caution has prevailed as to extend- ed and new undertakings; the demand for loanable funds on our usual standard of security has been small; the price of desirable bonds has increased, which means a lower interest rate on such se- curities; the liquidations growing out of the depression of the last five years, | which have made it necessary to fore- close some of our mortgages, have not entirely ceased, and the market for real estate has, in consequence, seen no gen- eral revival such as may be anticipated when all these disturbing conditions shall have disappeared. Although there has been a ;rowlng amendment in some of the conditions affecting the many-sided operations of a life-insurance company, something of the special difficulties of re- cent years has remained. What Has Been Accomplished. It is therefore gratifylng that:.at sub- stantially the same unequaled low rate of expense as heretofore, we have more than kept our volume of business good, have maintained to the full the com- any’'s great strength, and, from the sav- ngs through economy, from the savings on a mortality more favorable than our calculation, and from the interest earned over and above the rate calculated upon, we have earned a dividend on the same increasing scale as that paid during the year 1897; a dividend equaled by no other company. The Full Measure of Our Success. In judging the success of a company one should have clearly in mind what is the precise best standard of accomplish- ment which it can set for itself; the high- est which the business intrinsically per- mits; to completely realize which is the | only true success, and, falling which, no | achlevement in the way of magnitude in operation can be other than comparative | failure. The Connecticut Mutual takes | for its single aim the one peculiar ser- vice which life insurance alone can ren- der and whith no other institution can rival: The perfect protection of depend- ent families, at the lowest possible cost— the cheapest, simplest, most thorough family protection. By dint of incessant care and economy at every point it has succeeded and does succeed in this pur- Fose as none other has done or is doing. | t secures the best and highest obtainable | results from the prudent and unselfish | policy-holder’s point of view; and to| make sure of and to maintain these it | steadily foregoes those things for_ which | | others strive at such fearful cost, to wit, | | rapid growth and enormous size} things | | very impressive, even startling, ‘to the | general eye, but which do not benefit the | policy-hoider in the slightest, and which can be had only at an enormous cost, | which he must p%:y. ' Therefore the Connecticut Mutual re- | fuses to seek to attract any-other con- | stituency than those who desire to give their families and estates the highest prow tection at its lowest possible cost, in fur- nishing which it stands alone. And we deem it our duty to our present great membership to consider their interest first, to do the best we can for them to make thelr {nsurance as secure and as cheap .as possible, rather than segk to | greatly increase their number by sl es which would greatly increase the cost of thelr insurance and benefit them in no wise. We prefer to draw to us as new members those who desire to share in the present low cost of insurance to our old members and who can appreclate that benefit at its full value, rnzger than at- tract men by speculations in dividends postponed ten or twenty years, of great apparent promises in the far future, the promised or “‘estimated’” benefits of which could, at least, be realized for but a few by the .sacrifice of the many, and whic! by reason of the enormous expenses o the comgnnies floating them, have so far been and must continue to be egregioust: disappointing. Thousands of their ol policy holders know just what we mean. The Interest Standard. One of the most interesting events of the year has been the change by a num- ber of companies In the rate of interest assumed in calculating their premiums and reserves, in which respect they have more or less closely followed the action of the Connecticut Mutpal sixteen vears ago. In 1882 we became satisfied that the rapid increase of wealth in this country and the increasing confidence of foreign investors in our resources were certain to so increase the supply of capital as to cause a serjious and prolonged decline in the rate of interest on conservative in- vestments. We were then, as all other companies were, calculating our prem- fums and reserves on the assumption of earning at ileast 4 per cent annual in- terest for all the time any of our policies might remain in force, that is, for at least seventy or elghty years. We became satisfled that this assumption was not entirely safe, and that 8 per cent was as high a rate as could be safely assumed for so long a time ahead. That rate was accordingly then adopted by us to our continually Increasing satisfaction ever since. At the time our action was much criticised as unnecessarily timid Instead of really conservative, and our rivals af- fected fo treat it as a mark of weakness rather than a prudent provision for future strength and safety. But that which we then foresaw and guarded against as the inevitable result of causes then operating has been so fully demonstrated by time that the way of prudence has becomec clear to all, even to our then harshest critics. e Sundry Matters. It 1s our usual habit to take up the various items of the year's operations and comment upon them in detall. But as the effect of these items is fully set forth in our detafled financial statement herewith, and as the experience of the year has de- veloped nothing of unusual interest or significance respecting them, we venture to use the space usually devoted to them to call your especial attention to a matter of profound personal Interest to every policy holder In every mutual company, namely: The Taxation of Life Insurance. Among the most threatening features of our political life to-day is the disposi- tion of those concerned in various enter- prises to turn to thel llt-.:lc for aid, and also the disposition of legislators to grant such aid, either to win popularity or to INSURANCE. avoid unpopularity. States have no in- come except from taxes. What they give to one has to be first taken from others by taxation. They have nothing of their own to give. In order to induige this free- handed response to growing demands tax- ation must be increased. But increased taxationf of the voter endangers the po- litical aspirations of thos& responsible for the increase. So to gratify their con- stituents who -want State aid for some project, and at the same time not to offend their constituents who.are voters legislators are put under a strong tempta. tion to tax somebody who doesn’t vote for the benefit of thoseé who do. At- tention is at once directed to corpora- tions, which are only “soulless” person- alities, whose funds are in plain sight and easy to reach, and against which it is easy to excite such prejudice as to make many people blind to all questions of Jjustice or propriety and careless of those who really compose these corporations, or | where their funds come from and what they are held for. Not a session of a Legislature passes in any State but more | or less measures for taxing or increasing the taxes on life insurance companies are brought forward, and almost always with, some degree of success. 1t is high time that policy-holdersshould | understand clearly and precisely how this matter affects them personall that whatever their company is taxed is paid bg' themselves; that the tax is really upon them personally, and that the company merely collects it from them and pays it over to the State, for a mutual com- any has no funds except those derived rom the premiums pald in by its policy- holders. The glremium pald in by a mem- ber or policy-holder is calculated to ful- fill two purposes: First, to pay the death losses of the vear, and also to provide a reserve against the certain future greater losses as the membership gets older; and second, to pay running expenses. These things cover ‘the normal cost of insur- ance. Whatever is left of the premium after providing these things through the year Is surplus and is returned to the policy-holder as an overpayment, or in ordinary, but incorrect speech, as a ‘dividend.” Whatever is paid for taxes comes out of that surplus and makes the return of surplus just so much less and makes the cost of his insurance just so much more. Any tax on a life insurance company or on its premiums is a direct tax on the individual policy-holder who pays the premium taxed. He does not see the tax. It is not intended that he should. It is intended that he shall suppose that it is a tax on a corporation only and not on him. But he pays it and no one else, and it is the State’s addition to the cost of his family’s protection. A second matter for your most serious consideration is this: Life Insurance Ought Not to Be . Taxed at All Taxation ought to bear on the posses- slon and use of property and not upon the loss of property or upon the means by which such losses are distributed. The only moral and humane theory of | taxation is the collection of only such moneys as are necessary for the proper and legitimate expenditures of the State, from such sources, that s, from such per- sons owning such properties, as ought to ‘bear those expenditures and in the pro- | idends) with us at the like hazard o portion in which them. Under such a theory no one would sug- gest a tax' upon people's losses. These could be régarded neither as the proper subject matter of taxation nor as a hu- mane basis of the distribution of tax burdens. To illustrate: No one would suggest that because a man’'s house, on which he has been pay- ing taxes, has been burned, he should at once pay a special tax on its value which he has just lost. Or, that a man's family should be taxed on the money value of his life to them, because he has died and they have lost that value. Insurance {s merely a method of dis- tributing the property losses of those who have lost property among those who have not lost it. 1t is ‘effected through contributions or payments, miums. they ought to bear | | | { called pre- | A’s house, worth $5000, and on which | ' INSURANCE. roportion as he has suffered it, just llr; rx:nugh as if he had borne the whole logs and paid the whole tax on that loss. To summarize: A tax in any form upon a mutual insurance company is a tax on its members individual®, and is paid and must be paid only by them out of their premiums, so much reducing the surplus to be returned and so much increasing consequently the yearly cost of their poli- cies. It is not a tax on their property, but upon their losses, and is laid upon the money which is”the distributive share of each mrember in those losses as it passes through the hands of the company to make good the original sufferer. The remedy for this matter lies with the nucyiolders themselves. They shouldp make the Immorality and inhu- manity of such taxes clear to those whom they send to their Legislatures. Consolidated Statement. From Iits organization to January 1, 189, the compan For premiums For interest For rents Balance ¢profit loss ard Total recelpts . has pald d claims for Endowments For surrendered poli- It holders beneficiaries, being 9.91 per cent of the entire pre- miums _received It has paid for $188,791,557 40 Total expenditures . Balance nef asset: January 1, 1898 It has additional $ 61,408,550 88 as- sets (see statement) 2,180,110 60 Total assets .. $ 63,388,660 98 ‘We inyite careful attention to this con- densed but very instfuctive summary of the operations of fifty-two years. It ex- hibits at a glance not only the magnitude of the good work which has been done throughout all' those years, but also the proof of what we desire to impress upon the public as our unimpeachable claim to its confidence; that we give our policy- holders’ families the most protection_at the lowest cost. Against the $196,! 15 69 received from our policy-holders, we have already returned to them in the several ways above noted, §188,791,557 40, and now hold as the aboundant protection to their present contracts, $63,585,660 98; a total re- turned to them or now held for them of $252,380,218 38, or 128.20 per cent of what has been received from them. This has been done at an average expense ratio of only 8.84 per cent. In these supreme tests of accomplish- ment the Connecticut Mutual stands alone. And in what it has done and is doing, these incomparable benefits have not been and are not, done for a class at the expense of another class. They have been and are for all allke. We have not persnaded men to put at hazard the pro- tection of their families, nor to leave their yearly overpayments mccrulng ldlv- 0ss, in the hope that they may by living long and holding on catch some part of what lessfortunatemenand less fortunate fams ilies may lose by forfeiture. We have no schemes for despoiling some of our mem- bers for the benefit of others. We defi- nitely secure to each family all the pro- tection its prudent, unselfish head pays for; we require him to pay year by year only what it actually costs for the year; and we have made that cost lower than has been done by any other company. What more perfect work, to what mora perfect end, can be done? Respectfully submitted, JACOB L. GREENE, President. Hartford, February 10, 1898 OCEAN TRAVEL: PACIFIC COAST STEAMSHIP CO. = Steamers leave Broadway wharf, he has paid taxes while It was In_being, | San Francisco: @ has burned. A has lost There 18 | For Alaskan ports, 10 a. m., March 2, 7, 12, no restoring it. That property and its | 1, value are gone forever, not.only to A-but | Transferred at Seattle. 22, 21, April 1. or Alaskan - ports (from Spear street to the whole world. To tax A on that loss would be an unspeakable inhumanity. But A has insured against that loss, that is, he has agreed with other house- owners to share their Ilke losses, If they will assume his loss if it comes. While his house is unburnt, he by his premiums, assumes his share of the losses of those whose houses burn meantime. When his house burns, they, by their premiums, take his loss on their shoulders and make it iood to him. They lose it instead of A, because, before that he had, through his premiums, been losing his share of their houses which had burnt. Their assumption of the lgss and A the money in place of his house hasn't restored the house. It hasn't changed the loss into gain, or into an even thing. The property is gone. The loss remains. It has merel?,r been distributed. A is made whole, but the contributors to that result have taken the loss to themselves and are just so much worse off. They have lost A’s house. They hase divided up the $5000 loss among them. To tax A additionally on:the $5000 be- cause It was returned to him would be inhuman. It would be to make him lose something in spite of his own and others’ efforts to avoid loss. It would be a loss created and inflicted by government on ving the occasion of his escaping from a freater loss. It would be a fine on him 'or not losing. To tax the other men, who, by their premiums, have taken A’s ‘loss upon themselves and distributed it among themselves, is an equal inhumanity. They have made A’s loss thelr own to save him. To tax them on their loss {s an equal outrage to taxing A upon that same loss if it had remained on him. It 1s taxing a loss, and it is a fine, a punishment upon men for so sharing each others’ losses that it becomes possible for | them to be borne. ‘Llu.e group of men forming a mutual insurance company can together bear losses which would crush and destroy the individual. But it is as inhuman and tyrannous to tax the losses of the group as to tax those of the indi- vidual, which he would have to bear but for the action of the group. The only element in the transaction that suggests taxation of these losses, efther to the individual or to theé group or mutual company, Is the fact that it requires the use of money to adjust them, and that the money is brought into sight, in the hand of the adjusting association or corpora- tion, and in easy reach ‘of the tax- gatherer, and so becomes a temptation to Jgnore the true nature of the fund which is simply the‘collective losses of the group or company, thereby relieving the indi- vidual calamities of its members. Life insurance differs from fire insur- ance only in the subject matter of the loss. Instead of a man’s losing his house, or other perishable property, his family loses the money value, the'earning and producing capacity of his life. His life, its money value, what it will do for them, what it will earn, is just as much prop- erty, and their property, their financial dependence, as is the house; and the loss of that life is just as much a property loss to them as that of his house is to him. For example: If a man, aged 30, is earning $1000 a year for his family, taking his chances of life according to the Ac- tuaries’ table, and assuming money to be worth 4 per cent, the present value of his life in money to his family is $17,000. That Is thelr actual money property in his life. That is the money they lose {f he dies. If, when he dies, the State should openly tax that family on that loss, on that amount, the world would stand hast. Such a Government could not live, for no one could live under it. Life insurance s simply the distribution of the loss of family property in the lives of husbands and fathers. The father, ‘while he lives, by his yearly premiums as- sumes his share of the loss of those fam- ilies whose heads have died during the year. All the fathers who have associated tnemselves with him do the same thing. ‘They, by their premiums, take each fam- ily’s loss as it occurs over upon them- selves and divide it among themselves. They lose the money value of the man's life, instead of his family. The family is not financially crushed, for these men have taken the burden from it. They are not crushed, for they are many and have divided the burden, and the losses do not come all at once. But these men have lost the money value of that life just as truly as the family would have lost it if these men had not assumed and divided it among themseives. To tax them as a group or company upon the loss they have thus assumed and suffered is as abhorrent to justice and humanity as it would be to leave the loss on the family and then tax the fam- ily on that loss. ; The division of the tax among these men does not alter its unjust quality. It nmm“ reduces the tax which any one man has to pay on any one loss. He doesn’t have to pay the whole of the tax any more than he has to B-y the whola of the loss. But the on which he loss which he has es is a tax on a fifl«n’by helping others to bear it, and | | | | | wharf), 10 a. m., March 2, 6, 10, 14, 18, 22, 2, 30. Transferred at Portland, Or. For Victoria, Vancouver (B. C.), Por{’Town- send, Seattle, Tacoma, Everett, Anacortes and New Whatcom (Wash.), 10 a. m., March 2, a2, 17, 22, 21, and every fifth day thereaft ‘connecting at Seattle with company’s steam ers for Alaska and G. N. Ry., at Tacoma with N. . Ry., at Vancouver with C. P. Ry (Humboldt Bay), 10 a. m., 21, 2, and every sixth day thereafter. For Santa Cruz, Monterey, San Simeon, Cayucos, Port Harford (San Luis Obispo), Gaviota, Santa Barbara, Ventura, Hu2neme. San Pedro, East San Pedro (Los Angeles) a Newport, 9 a. m., March 2, 6, 10, 14, 13, 2, 30, and every fourth day thereafter. For San Diego, stopping only at Port Har- ford (San Luls Obispo), Santa Barbara, Port Los Angeles and Redondo (Los Angelss), 11 a. m., March 4, 8, 12, 16, 20, 24, 28, and every fourth day thereafter. For Ensenada, Magdalena Bay. San Jose del Cabo, Mazatlan, Altata, La Paz Santa Rosa- lia and Guaymas (Mex.), 10 a. m., March 8§, April 3, and 2d of each month thereafter. The company reserves the right to change without previous notice steamers, sailing dates ard_honrs of sailine. TICKET OFFICE-—Palace Hotel, 4 New Montgomery street. GOODALL, PERKINS & C 10 Market street, “For Eureka March 3, 9, 15, Gen. Agts., n Francisco. THE 0. R. & N. C0. DISPATCH FAST STEAMERS TO PORTLAND From Spear-streel Wharf at 10 a. m. FARB £12 First Class Including Berth &8 Second Class and Meals. SCHEDULE OF SAILINGS: Columbia. Feb. 26, Mar. 6, 14, 22, 20 State of Californi ¥ Mar. 2, 10, 15, 26 Second Class. St. Paal . $26 00 Chicago 3 5 $32 50 INNOR, General Agent, 630 Market st. GOODALL, PERKINS & CO., S. 8. ZEALANDIA, for HONOLULU only, Saturday, March 12, at 2 p. m. Special party Superintendents. Tates. The S. S. MOANA salls via Honolulu and Auckland for Sydney @n ‘Wednesday, March 23, at 2 p. m. Line to COOLGARDIE, Australia, and CAPB ., South Africa. T?“;)N SPRECKELS & BROS. CO., Agents, 114 Montgomery street. Frelght Office—327 Market st., San Francisco. Compagnie Generale Transatlantique. French Line to Havre. ., foot of Morton st. Travelers ézifi ?,""z;n.‘ line avoid both transit by 1 in a small boat. New York to :«":::25;‘: Egypt, via Paris, first class $160, LA BRETAGNE SCOGN] -March 12, 10 a. m. A RO .March 19, 10 a. m. LA CHAMPAGNE LA BOURGOGNE. -April 2, 10a. m. rs apply to A. FORGET, Agent, No. 3, Bowling Green, New York. ave., San Francisco. . Daily; FREIGHT RECEIVED UP TO 5:30 P. M. Accommodations reserved by telephone, ing through freight rates to all points on t! Valley Rall L. STEAMERS: Company’s Pler (new) 42 North Phglieh raflway and the discomfort of crossing 116, S BRETAGY March 5, 10 a. m. IE. LA AL ‘March 26, 10 8 m. For further particula J. F. FUGAZI & CO., Agents, § Montgomery Leave Pier No. 3, ‘Y)-'hl ington St., at 3 The only line selling through tickets and gt C. WALKER, CITY OF, STOCKTON. T MARY GARRATT, J. D. PETERS, Telephone Main $05. Cal. Nav. and Impt. Co. | For Sam Jose, Los Gatos & Sasta Cruz Steamer Alviso leaves Pler 1 daily (Sundays excepted) at 10 a. m.; Alviso daily (Saturdays excepted) at § m. Freight and Passengers. Fare between Francisco and Alviso, 0c; to San Jose, T5c. Clay street, Pler 1. 41 North First street, San Jose. FOR U. S. NAVY-YARD AND VALLEJO. Steamer ** Monticello” ‘Wil Me up to receive new boiier and general overhauling on Fel 1, and_resume her route on March 1. HATCH BROS. & is & non-poison Fitedy tor Gohors fi"“ !,.l’qlturr}ifi: ‘hites, unnatura charges, or