The San Francisco Call. Newspaper, February 27, 1899, Page 7

THE SAN FRANCISCO CALL, MONDA’y FEBRUARY £7, 1899. NOW COME 8 2 ¢ MLLE. PIANKA SWOONS 2 . F o 2 p=3 3 4 ] pe B 3 g B4 g LLE. PIANKA, “the Lady of Lions,” as the show bills read, passed g through a hair-curling adventure yesterday afternoon when she was S 5 displaying her lion-taming abilities before the usual Sunday crowd at What Will e s Chutes. She had just finished the first part of her performance $ and was making her quick change in the darkened cage when she fainted and ¢ a illthe Monthly = fell prostrate in the corner Within easy reach of her crouching and glowering g H eonine pets. < Saving Be? g The otionnanis.dia ot ichow that ‘she had Zatnted until thay, hansd fhis, & | fall of her body on the floor of the cage. Her husband then grasped the LF | 3 long iron pole with which the lions are driven out of the big cage into their g8 I8 separate boxes and forced them away from the “Mlle. Pianka,” who was g ying near the gate through which she gains an entrance to the cage. e CANNOT PAY JANUARY BILLS |8 curtain was dropped before the spectators realized that an accident had ¥ 77777 § taken place and the lights were instantly turned on. Unlocking the gate, & |§ pullin it open and drawing the body of Planka out wes the work of an in- g - | stant, hut it was none too soon, for the favorite pet of all, Spitfire, was mov- NO wORE CUTS IN THE FORCE OF ‘g ing toward the prostrate body. Pianka was dragged out of the cage and the | TEACHERS. @ door closed just in time. 2 % The feminine tamer of wild beasts has been suffering of late from an % | g8 abscess in the right ear. It was spectally painful yesterday, causing violent [ headaches and nervous excitement. It is to this that Planka assigns the Th, " : & cause of her swooning in the cage. An hour after the accident she was herself ¢ Rehearsing of the Kilpatrick & again and expressed « willingness to go on for the regular performance of the & | Case Considered Only a Useless g evening. | Threshing Over of Old Straw. gmmmsmfi 230595 0 ROROMORG NONOROLOR O K50 B URONORONOKROM | EEOLCSEORE0E O 20 O 8 O OO SO0 23 CRECGOGIINIS 08 82 01 83 X 0B In a few da; will be wres of the F s the Board of Education | ing with the financial prob- y . Those of Janu- ted up a total of i ck the expendi- the month was $105,0w, or, in nd numbers, $4000 in excess of the one- twelfth allowance. The teachers' salaries alone wer and may he dropped The $4000 for the jani- nd at the same fig- e changes were made in these The rents, $700, and office and shop, $12 but the bills, $6000 for J may decrease about one-half for Febru- CANOES AND SLOGPS HALF-RATER NINETTE BEATS worship. ake much of a fall, | postponed from the 12th inst. because of | rest da ary, | lack of wind, San Ant; | the Christian home, as it recalls Wash- | Ington’s own words, ‘All T am I owe to RACE ON THE CREEK %% mother.” The home is the palladium | of the republic: the Sabbath. is necessary = | to the home. “The Sabbath is necessary as a day of Worship inculcates reverence. exist by force, but re- publics can live only by virtue. Worship establishes a standard of morais. And as a worship day Sunday is the great oppor- Monarchies ma; THE OAKLAND FLEET. | Vitesse Wins the Holiday Cup of the | tunity for religious enterprises. Ten mil- lions of children are trained by 1,000,000 | devoted teachers in the principles of true | character. It is the day for deeds of | mercy and philanthropy in hospitals, | prisons and the slums. There ought to be a Sunday law setting the day aside as a a worship day, because this is a Christian nation—so recognized in the common law of the land. S Cance Club on Time Allowance. The February race of the Oakland navy, took place yesterday on o Estuary over the usual tri- . making a sav or s = £ g 2 saving of $300) o possibly | angular course of about seven miles. Four | Sunday law, because SabTath breaking o of ganmonth, Ihis will lower | cances, three sioops and the half-rater |leads to anarchy, unbellef and im- \rplus’ of $6000 out of the monten §5; 2 | Ninette started. Ninette won, covering | morality. s of blackest vice thrive 000_allowar i e on the Sunday because the victims are on hly $101,- | | t will be made to settle the 20 | the course in 1 hour 26 minutes 48 seconds, the canoe Whim" being second in 1 hour he Sunday.: In defense of nts of society a Sunday the streets on the weaker elem er cent holdov in D % e e ks %2 A nd Pitn Hhraaover, amounting to 3IL000, |81 minutes and 4 seconds. The start was| |aw ought to.close places-of vice. AVith- Paymeny oty pmoney, though a small | made at 12:3 p. m., and there being 1o | out a Sunday law labor is being gradually fowering This deficit Consmquenty tis | time allowances in the Oakland navy | enslaved. = Labor organizations snould st be content with monthly | races, each boat's starting time was taken s}z\ilr(r:‘e‘-fllyn?eénuanr;;i; EAL;’?(;}'A mla;g];ggra = 1l all of January is paid. ~ | as 12:30 p. m., and the first boat to cross | QUCHON 9 7 e Beyen rial of the Kilpatrick case is | dered oy some of the wvirectors of the | t board as being about the most threshing over of old straw that | ¢ould be imagined. In the former trial | Boat Ciub house won. the results: opposite the Alameda The table shows e nin ' labor for six days’ pay. As a pleas- | ure day the Sunday is already @ slumber- | | ing voicano.” Kilp a board that was thirst- FEBRUARY 25, 18 {an for his go ¢ beat the game with both | ;‘V‘ . ‘r‘tz““rg ]e"tgo‘i [d).: n(;‘fe' 1 Second nishing | Elapsed in offic - | 5 _ireat him with something| CRAFT. | | s tice? Said a Dirsctor vesterday: ! = ‘The best thing we can do is to drop the 7 | Kilpatrick matter as quickly as we can. | Gano® - tre 1t is one of the inheritances from our pre- | faiorater reid.. ill probably be no more cuts in | S2n%¢ - itea: the teacher force of the School Depart- | Sises Flaoh.. he board members_eel that any | Sioop .. ‘{Beatrice... that line would cripple | ough six new vice prin- | reated at the last meet- | v not be filled until | the department permit the | & —— | ALAMEDANS WILL SUE E THE SOUTHERN PACIFIC | e | OUTCOME OF WRECK ON THE| NARROW-GAUGE ROAD. | line at 10 minutes crossed on the wrong side of She had to put about, come around an make for the line a second time. canoe Whim gave time allowance t wahnee. . A NICE FAMILY Efforts of a Drunken Man to Clean | Out His Batch of Relatives. | reached the finishing ROW. | past 2 o'clock, but the flag The canoe Vitesse In this way she lost more than two minutes. ALAMEDA, Feb. 2%6.—A wedding and a | land Canoe Cluby wok[the 0D~ | free family fight among the brothers of | ; f0r, B¢ the bride took place at the Perry resi- to-night. Miss Louise Perry was ried to Manuel Mentel, on Valdez North*~Alameda, by the Rev. :r Gloria early in the evening. About e end of ck Manuel Perry, one of her | home fighting drunk h the n0es follows o Nereid o e hous n Thousands of Dollars Asked as Salve | J1IT.S"'(G Codia, ¢ minutes: to Vitesse. R T e L e T for Injuries That Will Cripple 3 m;nuu‘,n’lx?r‘\l}l:a(,'r;‘m):i,flv!”e\?‘v . iing with the newly married I, tak- i onit nutes. The itesse: ing a fall or two out of the bridej | for Life. | though' last of the can: cross the on the w o SR : line'&¢ the end of the second round, be- Tne drunken man was finally latd out | Alameda O; San Francisco Call, | 10§ 1 @inite and 1 seconds bebind (he with a blow on the head with an fvory| »| Whim, yet beat them v by club in the hand of another brother lowanc I the Holiday cup are shown in the table: OAKLAND CANO! DAY CU The resuits of the racing for named Julian. Manuel ken to the Receiving Hospital with a badly cracked scalp and muttering in hi lirium that | he would kill the whole family, and Ju- rzested by Deputy Sh Spectal Officer Stewart, charged | assault with a deadly weapon. E CLUB RACE FOR HOLI- P, FEBRUARY 2, lan and with an be crippled f: the sciatic nerve of the right d. Gebers sustained a fracturc Both -gentlemen_ will com- actions against the railroad com- pany for damages. Mr. Parr, who is a mining man, states that his injuries have prevented him com- pleting several large transactions which would have netted him at least $50,000. His physicians offer him no hope of ever being Dbl to use i injured leg again. He will sue for $10,000 damages. Mr. Gebers undertook to reach an ami- cable settlement with the railroad, but he land Canoe Club will 3, and will include six races for the ' Havens to Steph Holiday cup, five for the sloops enrolled |in the club and one | Myrisch badge. e 4 canoes belonging to the club vill held, and two_events open to all rltlbsb?)n the bay for boats not less than ff and not more et “mensurement according to the rule adopted by the club. land navy Season advances and the breezes ———————— REAL ESTATE TRANSACTIONS. Lillie Roden, Caroline Day, Emillo Lastreto, suffer from his - u ). Ebe _ | William Crane Spencer, Alexander McConnell, . Parr of 1153 Pa -nue was moderate to fresh and Py [Crank o BUrk (el b o tham: Gebers of 2111 San Antonio westerly. Commodore ~ Philip | Jo0f N Ee W i , 63:10% | the gentlemen. Parr has lost | Caduc cruised about with several friends “yo.e;p “Begin, Caroline Day, o aateiia | ht leg. His spine was | in the sloop Zephyr, but did not enier | ana Lillie Roden to same, same, quitclaim | the races. The programme of the Oak- | geed; §1750. i be made puolic| Philip G. and Julla B. Galpin and Howard D. Ives, lot on E line of N of Broadway, S 26:6 by | Gough street, 137 10, E every month for the | E sii6; e races open to bot : s 2 Mayer, lot on S line of Fulton of_Filimore, E % by S 137:6; 31 Bernard and Rebecca Jacobs to James Gibb, Jot on E line of Fillmore, 1% N of Geary, N ; E 81:3; $10. and Johanna Hamilton to Charles JStreet, 193:6 B than twenty-two to Hibernia n E line of 5 by B 81:3; ngs and Loan Soclety to J. W. 5 of the Oak- and as the oW The interest in the races is increasing, says that he recefved such treatment from ZPfCrver and more certain the list of en- same; § | Claim Adjuster Sessions that he has de- | {rieq will become larger and the races | City and County of San Francisco to Hibernia | cided to take the case into the courts. more exciting and full of interest. | savings and Lomn Soclety, re-record 1508 d 279, ““When I went to see Mr. Sessions,” said L s WD 0 lot on W line of Steinmer street, 127:6 N of Mr. Gebers, “and explained to him the | extent of my injuries I expected to be | treated courteously. He only laughed at my claim, and told me if I thought I could get any money out of the railroad com to go ahead and sue. I intend t follow his advice.” The day following the accident Mr. Parr had several parties examine the rails on the curve near the scene of the accident. © Talls of the curve was worn away Recently the dam. nea. y to the center. ) Rged rails have been repiaced by new ones. ———————— Hancock Eleven Wins. An exciting football game took place vesterday afternoon between the Hancock Bchool eleven and the Montgomerys, re- suiting in victory for the former team Dy & score of 5 to Z. e ————— Three iodies Recovered. SAN JOSE, Feb. 25.—The bodies of the three men, who were caved upon while ‘W dlgging a ditch for irrigation purposes | on_the Lion ranch, near San oroner's inquest was held, the verdict | A bet: that Patrick Dily, a%r?g.lamt—s Fitzgerald met their death in an accidental cave fixed no o A SUNDAY LAW NECESSARY. | | The Rev. Charles Edward Locke on Church last evening Dr. Charles Edward | Locke, the pastor, delivered a sermon on was found that the Inner side of thé | the subject, Should Have a Sunday Law.” Was Isaiah Ivili:13-14, “If thou shalt call | | the Sabbath a delight, the holy of the | | Lord, honorable; I will cause thee to ride | upon the high places of the earth.” Dr. Locke said in part: fatherly care of his children. The need of the Sabbath inheres in man's physical z necessities. A moted physician says: ‘Men | | 2o Tonger die, they kill themselves.’ The | Dody must have an abundance of fegular | rest. Martin, were | day. med at an early hour this moTning. | which the busy father can get acquainted | with his family. Yonder glistening me- George Bentler | = .1 Jeaning against the eastern sky | i | is no! in, responsibility being | I8 Nat 5%, intry as it is & testimonfal to Union, N 97:6, W 68:9; 8 100, E 82:5%; $—. i Susan Taylor to Patrick and Sarah Carey, lot on N line of McAliister street, 106:3 W of | Lott, W 2 by N 187:8; 310. e 2City and County ot San Francisco to James e Times. | Ambrose (executor estate John D. Corkery), lot | the Tendencies of 1! | on B tne of Hampshire street, 5 N of Twen- | the Central Methodist Episcopal | ty-third, N.25 by E 100; $—. William A. and Della F. Nevills to Mary F. McGurn and S. J. and J. H. Hendy, lot on NW corner of Kearny and Francisco streets, S W 9L, N 46:10, B 918, N 147, W S 68:9, W 183:4, S 2083, E 46:19, N 80, ) S 80, B 285; $25,000, Alameda County. J. D. Rhoades to Edmund Brown, lot on NE ’co of Twenty-first and Curtis streets, E 50 by N 100, block J, Curtis & Willlams Tract, vg | Oakland; st “The Sabbath is a memorial of God’s | "R. W. and Ella M. Rupe to Mary E. Knowles, lots 15 to 19, block P, Knowles and Potter sub- dsxm% Kfi:gfdy Tract, East Oakiand; $10. X ~ nson to same, same, pid 3 . an 12 e . Heron to Charles Camden, undivided 2-3 interest of following: Lot on § line of Frederick street, 106 W of Park street or Twenty-third avenue, W 19, S 850, E 125, N 27.25, to beginning; aleo lots 11 to 17, 21 to 42, block B, and entire block C, Cam- | den Twenty-third avenue Tract; also lot on NE corner of King and Frederick streets, E W to a point 16 N from point of begin- At “Why the State of California The text No man will dle from overwork | ho rests absolutely one uay In seven. | “The Sunday is indispensable as a home | It is the only day of the week in | 129:8, | ning, S 18, to beginning: aleo lot on SW corner of Shell Mound Tract and King street, SW 836.67, SE 140.95, SE 312.90, SE 378.35, to center Shasts avenue;'thence NE to W lis of Xing deed, t so much a monument to the Father | street, N §07.80, to beginning, quitclaim Association to ADVERTISEMENTS. Healthy Old Men. Now it has been found that old age is caused by hardening of the tissues, drying up of the blood and a consequent decay of the organic parts of@#he body. Some men begin to die at 50, while others are in their prime at that age. Youth comes from warm blood, and warm blood is cre- ated by thesvitality in the body. Here is an old man who has had youth re- newed to him. He Discards His Cane at 77. V4O O+ O 4 O+ D+ O+O+O+D and general weakness. Iam 77 hapge in me has be Gledurded my cane. 1T feel better than I have this country. and will answer Beit. Yours truly, Madera , Cal. forget vour vears. tric Beit. Call and see it, of Men,” closely sealed,’ free. DR. M. A. McLAUGHLIN, +O+ OO+ OHHAHADIO 454 D+ O+ DHDATHDIDADHDIDHDHOAD DA DO +OO + D+0+0+Q I consider your Belt the grandest remedy I ever years old, and after en remarkable. I am now free from all pains and aches, and have Inqui; made of me regarding the effect of your it Sion oo S W. F. HARDELL." vitality makes warm blood. Electricity furnishes vitality. I. fill yc‘;llr b’cdv with electricity. It will restore youthful vigor an 3 7t has been done for thousands with my D or let me send you my book about it, East Oakland; 3. Mountain View Cemetery Hannah Rendell, lot 154 in plat 40, Mountain View Cemetery, Oakiand Township: §i14, Joseph and Sarah H. R. Hume to Helen W, Martin (wife of E. J)), lot on NE corner of Cedar and Henry streets, E 136 by N 60, be- {ng lot 19, block 8, Graves and Taylor Tract, Berkeley; $2600. Helen W. and Egbert J. Martin to Joseph ‘Hume, lots 36 and 37, block §, amended map of Central Park, Alcatraz and Newbury stations, Berkeley; §2000. Alameda Savings Bank to Margaretta C. Bromly, lot on S line of San Jose avenue, 200 W of Willow street, W 50 by 8 L. being lot 14, in E half of block N, lands adjacent to Encinal, Alameda; $10. H. . and Effie O. Ingalls to Willlam H. Gibbe, lot on N line of Thirty-second street, 75:9 B of Linden, W 35 by N 109, Oakland, sub- ject to a mortgage for $1750; $10. §. BE. Holden to Oakland Bank of Savings, lot on SW line of East Ninth street, 150 NW of Fourth avenue, NW 50 by SW 135, block 5, Clinton, East Oakland; also lot on SW line of FEast Ninth street, 225 NW of Fourth avenue, NW; T!;lgy BW 125, block 5, Clinton, East Oak- land; d Adolph’ Wollitz to B. ¥. Edwards, lot on line o? Calhoun street, 125 § from 8 line lfi county road, Oakland fo San Leandro, § $0.90, F 100, N 78.86, W 103.88 to beginning, being lot 2;,‘ block G, Huntington Tract, Brooklyn Town- B 3 Union Savings Bank to Albert J. Gurnett, lot on N line of Alameda avenue, 250 W of Oak street, W 150 by N 160, belng 1ots 2, 3 and 4 of E half of block C, lands adjacent to Encinal, | Alameda; $10. 1 Chrigtian and Julls Meyer to J. N. Cox, lot | heard of for rheumatism, lumbago using your Belt thirty days the T known all over for thirty years. I am on SI corner 'of Champion ‘and P ou feel old | sirects, 1 121, § £0.50, W 1085, N 39.50 ts b make_you hning, being lots 9 d 10, resubdivision of lock B, Prospect Hill t, Brooklyn Town. ship (subject to mortgage); T Builders’ Contracts. Robert Strahle (owner) with William Plant (contractor), architect owner—All work for a 1-story and attic cottage on § line of Duncan Sanden Elec- ‘Three Classes NOT IN DRUG STORES. 0@0@0@0@#@#@*@*@4@9@{@0@#@0@0@*@#@4@*@«}@0@ T 702 Market St., cor. Kearny, S. F. Sanden’s Electric Belt street, 126:6 E of Sanchez, E 2 by § 1l. ©® Office hours—$ a. m. to 8 p. m.; Sundays, 10 | ver sota 1w arug siores sor . L. Christin (owner) with E. C. Bletch 4 to1. Branches at Los Angeles, Cal., 204 South by traveling agents; only at (contractor), architect owner—All alterations 3 Btadways Fortland, Ot 258 Washington st-: | oir orfce. and additions, owner to furnish finished hard- 4 Denver, Colo, 91 Sixteenth st.; Dallas, Tex., ware and altering porches for rear houses, etc., § 255 Main st.; Butte, Mont., 110 North Main st. —% %’."“k’g" 2 '.411:{ ;vr.m; bumm' mwg Yine of ves street, of Franklin, g ©4E+ D+ D+ GHIADHDIDHDAHDAOHAD+O+O+OHO @44+ C4+C+O+® | 120, : | conditions of the past year, its main re- | {s concerned, have been satisfactory. The LIFE INSURANCE. 'FIFTY-THIRD ANNUAL REPORT —OF THE— CONNECTICUT MUTUAL LIFE INSURANCE COMPANY To the Members:— In connection with the following com- ments upon our business in 1888, we ask your careful reading of the Financial Statement which Is printed in another col- umn, the items of which are, therefore, not repeated here. It is very gratifying to be able to say that, notwithstanding the many untoward sults, so far as the Connectlcut Mutual mortality has been favorable; the lapses | and surrenders were relatively few; the | amount of bus ss in force and the pre- | mium income have increased; the assets | have increased by $598,345 46, and the sur-‘{ plus by $160,225 23; the company’s own unique standard of economy has been; maintained; it has made the cost of its fnsurance less than that in any other | company through its larger aver-| age dlvidends, which it has not | had to reduce for the year 1899; | lits securities have largely in- | creased in market value; it has matntain- od its conservatism at every point, and 1s | prepared with growing strensth to repeat in the future its unrivaled success of the past fifty-three years. | Assets, Liabilities, and Surplus. | The admitted assets January 1, 1899, | were $64,182,387 27; the total liabiliites were 1 $56.665,845 20, leaving a surplus of $7,516,- 542 07. Of these liabilities $55,361,814 is the | reserve from former premiums required | to meet the increasing mortality of the future from the increasing age of our members, their premiums remaining uni- | form except as decreased by yearly divi- | dends. The legal standard of solvency requires this reserve to be computed on the assumption that the companies will earn 4 per cent annual interest as long as any of the policies in the account may continue; a possible period of sixty or seventy vears. | In 1882, the Connecticut Mutual, alone among the companies, anticipating the | great decline which has taken place in the rate of interest and is still in progress, based its premiums and reserves for all | | business thereafter on the assumption of earning only 3 per cent, as the highest safe calculation for so long a future. This makes our reserve $1,822,059 larger than it is by the legal standard of solvency, and our surplus correspondingly smaller. By that standard our reserve liability is $53,- , and our surplus $9,338,601 Thus e we long been steadily preparing for hav | that which is now startlingly evident to | all. Insurance in Force. “ The early months of the year gave| promise of considerable increase in busi- ness, which was checked by the outbreak | and progress of the war; but so small relatively were our lapses and surrenders that we, nevertheless, made a gain in the | amount of business in force. The per- sistence of our business is a most gratify- ing feature of our experience. It adds | steadiness to all our operations, gives us the greater benefit of care in the selection of risks, and materially assists to keep down the expense account. We had in force January 1, 1899, 65,862 policies for $158,078,850; an ample business for securing the most satisfactory results to policy-holders, and presenting less dif- ficult problems. in management than per- tain to a business of several times greater magnitude. A Favorable Mortality. We had a very favorable mortality ex- perience for the year, the losses incurred being so much less than those expected by the Mortality Table and provided for by | our premiums and reserves as to make a saving of $541,288. While our death rate varies somewhat from year to year, such has been the care exercised in the accept- ance of risks that the variations have so | far all been well within the amounts called | for by the table, affording very material ! savings. In no year has such a saving | failed to be effected. [ s | The Interest Rate and Its Incidents. | The past four or five years have been | notable for the great volume of loans paid off by borrowers, for a great diminution in | the demand for loans by new borrowers, | the consequent accumulation of funds awaliting investment, and a decline in the rate of interest pending a revival of de- mand. The hard times of the early nineties, with the panic of 1893 and the depres- sion following, made a great many solvent borrowers anxious to get out from under the burden of debt and interest paying, and forced a great deal of foreclosure in the case of insolvent or embarrassed bor- rowers. The conditions have not yet so | far changed for the better as to re-estab- | lish the demand and the rates for money. | It has, therefore, during the past year | been more difficult than usual to keep money satisfactorily employed. The money received in m¥ment for loans has not been absorbed by loans of a like char- acter, and has had to seek investment in | bonds of a high class for security, but at | | l_}&vzer m‘;leuaf lnte;‘ug conditions which hav the rate of interest have no:' olnol "5':3::'4’ the liquidation of many loans gy fore- closure, but have prevented the real es- tate market from recovering its normal activity so as to cause the reabsorption of the foreclosed properties by lndh?auu holders. The ri estate market is the last to respond to efther favorable or un- favorable influences. When the market recovers Its tone there is good reason to belleve that our properties, taken as a whole, will prove worth they have cost. Our past experience under like con- ditions fully justifies that bellef. Mean- HIE 5 onditions Which Wil enauly us'ts o _conditions whicl sell at falr prices. Shavieus to The stocks and bonds which now form a large ftem of our assets (at a market value of over $20,000,000) are of the best character for sec\mtg. yielding as fair a rate of interest as the ti allow upon investments of the highest class. Opnoly one item of these securities is in any questionable condition. The city of Aus- tin, Texas, after recefving the money for an ‘issue of $40,000 of bonds and paying in- terest on them for fourteen years, has now refused further payment, and denles its obligation, alleging a technical defect in its own compliance with the compli- cated laws of the State. The matter is belrfif properly cared for. This item aside, our assets are in a thor- oughly sound condition. The Distinctive Position of the Con- necticut Mutual. ‘We desire to call most careful attention to the fcular, and as we believe, the {ecullu value of the Connecticut Mutaal o its policy-holders and to the insuring puv.ie, and especially to thflledfflnclp!e. and practices which so wideiv dlstinguish it from the great competitors. In the intense nmgfle between many of the companies during late years for pre-eminence in the volume of new busi- ness and premium income and in r?‘,:;my and magnitude of , certain da- mental facts have been put aside by the companies themselves and concealed from the public; false motives have a aled to In support of schemes ud]cnl?y‘ efective in character, practices have been widely introduced which are de- structive in tendency and vicious in every aspect; entirely false tests of success have been set up to justify more than doubtful means, and the ends of real life in- simple surance, and the lgnl’ll means and_tests a red, de- nied and contemned. e panies which have monT | world utterly helpless and dependent on | no alternative except the denial of duty to | sumed, as the: | reserves LIFE INSURANCE. things have woh great magnitude; but it has g:een done by‘persuadms the public, in the hope of personal profit, to invest in schemes many of which avold even the name of life insurance, which in operation destroy equity and all mutuality between policy-holders, and which have been cul- ningly devised to conceal from policy- holders the enormous cost at which the competition has been and is being con- ducted. Dividends are postponed for lon periods of years in the certainty thal those who do_not continue on through them will not have the chance to see the effect of a high exgense rate, and in the hope that these will go out in such num- bers that they will leave enough behind for those who do continue through to ngake them indifferent to the general high cost. ‘Against the 'almost infinite number of such plans, made to look desirable by va- rious devices, we ask every man who has a family to protect to carefully note what is the real purpose, the true mouxvef the true methods, and the proper cost of life insurance, and the manner in which the Connecticut _Mutual illustratés these things in its business. The Real Purpose of and True Motive for Life Insurance. When a man marries he makes his wife ractically helpless and dependent upon imself. = His children come into the . e has created, of his own free will, a helpless and iependent family. They depend on him for rotection against their need and their nelplessness. Society looks to him-to protect it against the helpless dependence which he has cre- ated. BY every. obligation which can ap- peal to unselfish ‘ection, honor, and conseience, he is bound to protect his fam- fly against the helplessness and depend- ence which he has imposed upon them, and to grotect soclety against the burden which belongs to him because he has made it. And this he does, ordinarily, by his own productive labor. While he lives he works and earns, and his earning sup- plies his family’s need and is their pro- tection In their helplessness and demend- ence. But his life is not certain for hour, His family are under the constant risk of losing it and all it does for them, and Of] being left still heipless, still dependent, with the &rolecflon gone. It is this con- tinued risk which he has puc uoon them; it is this unprotected helpless dependence to which he hasexposed them,; it is against this which he is therefore bound to pro- tect them. He is bound to provide at once and to have always ready a sufficlent sub- stitute for his earf.ngs after he is gone. There is but one possible way to do all this, Thrift and saving alone cannot do it. If he lives long enough and saves, he may after many years have enough for the purpose. But that is as uncertain as his living to earn the daily vread. The fam- ily’s risk is now, every day. The effect of | saving and laying aside in ordinary ways is far off in the uncertain future. The family needs instant and constant and full protection against an instant and constant | risk. They can have it in but just one way; the man must take of his savings a | sufficlent amount and use it as a life in- surance premium. His small annualsaving so used will provide instantly and con- stantly the protection they need and which he can furnish in no other way. Therefore he is bound to use life insur- ance for their protection. That is the pur- pose of it; that is the one thing it can do that nothing else can. There is his only true motive in it; an obligation which has him. those he has made helpless. To the perfect accomplishment of this simple, single purpose ‘:d result should every Incident of the busthess be adjusted. Tts every dealing with the husband and father should be informed and inspired by the high motive which moves him to in- voke its indispensable aid for the instant and effective protection of those whom he must but cannot otherwise protect. If it is his clear duty to use life insur- ance, then it is the clear duty of those who administer it to make that use as effective as possible to its true end; to give him its sincerest, simplest, best help, at its least possible cost, and with an eye single to the family’s most complete pro- tection. The Purpose and Value of Mutuality. Because life insurance is the one and only way in which men of moderate or small means can at once provide the nec- essary family protection, and because it is at the cheapest a matter of cost and a pure expense to him who provides it, in order to make it as cheap as possible, and | S0 as largely available as possible, to all who need it, it is sought to give it to each policy holder at its bare, actual cost. The cost of life Insurance is due to two things: The death losses and the ex- penses. In calculating the premiums to be charged both these things are as- cannot be exactly fure- known. Insses are less than was assumed, a part Jf that element of the | premium s saved. If the expenses are | less than was assumed, a part of that element of the premium is saved. If| more interest is earned on the than was assumed, so much more of the premium saved. If now these three items of say- ing are returned to the policy holders in the proportion that each man’s payments have helped produce them, then each man | will have his insurance at its exact cost | to the company, no matter what the nominal premium on his policy may be. He gets the most insurance possible for his money. That is what mutuality does. That is what it is for. True Mutuality. | The Connecticut Mutual aims to make | this principle effective in its widest scope and to its hlfhesl degree. Not only has it no stockholders to absorb these yearly a\'ln%fi as tneir profit, but it has no Ton- tine, Investment, or other special classes | of policy holders, with postponed or de- | ferred divicend periods, each man hoping | to make a speculation out of the accumu- lated savings others may have to leave behind them by death or lapse during the perfod. Its yearly savings whether from | a low death rate, a high rate of interest | or a low rate of expense, go directly back to its policy holders in the proportion in which each man’s payments have exceed- ed the cost of his risk In yearly dividends. So that year by year each man gets his insurance at its actual cost to the com- | pany and at the lowest cost which, by careful selection of risks, good investment | and economy in expenses, the manage- ment is able to secure. No policy holde: gets the savings made on another man!' policy. No policy loses its savings because of the death of the insured. is savings are paid with the policy. In case of lapse his contributions to the reserve are not gut into the deferred dividend speculation, ut are used as a single premium to give paid up insurance for as large an amount as possible in place of the policy which | has lapsed. | ‘We give to each his own overpayments, and to no one what of right, and equity, and true mutuality, belongs to Anot%er. True Cheap Insurance. Obviously, that company which has the lowest death rate, which earns the high- est interest, and pays out the least ?or‘ expenses, will give insurance at the .east cost to its policy-holders, as a whole. It| will effect the largest savngs. If it re- | turns those savings in strict conformity | with the principles of mutuality it wiil | also give the cheapest individual insur- ance on the average. We say “on_ the average,” because some com; ies which make “dividends so discriminate against certain classes of policy-holders and in favor of others, that while in the gre- gate and on the average their dividend: are very small, in certain cases they may be large; a poor sort of mutuality. Cost in the Connecticut Mutual. The Connecticut Mutual exercises great care in all that affects its death rate; it confines its business to the healthy por- tions of our own country. No desire for size has led it to acquire business in varied climates, under conditions of widely differing effect upon life and health, and beyond effective control. Its medical service is organized with great care, and the result of its selection of risks is shown {n the very low mortality and the great saving already referred to. Its interest rate is as high as is con- sisteat with safety, and has so far been « source of large saving. With its 3 per cent assumption its exfer(ence s likely to remaln relatively good. Its rate of expense is and always has been less on the average than that of any other.company. The expense rate of its reatest competitors 1ges from 75 to foo per cent and over above that of the sa Connecticut Mutual. Its ivings from that scurce are unequaled by any and ap- proached by very few indeed. High Dividends—Low Cost. As a consequence of all this long-con- tinued care and economy, the agi te savings of the Connecticut Mut have been greater than those of any other company. Its annual returns or dividends of these savings to its members have been larger than in any other company, unless in cases of exceptionally favorable treatment at the expense ‘of others. Therefore its Insurance has cost Its licy-hoiders less, both as a whole and f:dl dually, then in any other company. | And the conditions which have produced these results for more than half a century are still fully operative in the care and economy with which its affairs are con- ducted, and in the contrasted degree in which these qualities appear in its most actlve competitors. Its Proper Clientage. To those who desire to do fully, at its least cost and to the utmost of their financfal ability, their duty to their fami- lies, and to use'life insurance for their protection and not for a speculation for themselves, the Connecticut Mutual offers the utmost that life insurance can accom- plish, in its simplest, clearest forms, of perfect equity and perfect mutuality, on the soundest basis of any, and at a lower cost than has been achicved by any other company. Greater service can no life insurance company render. The Witness of Fifty-Three Years. In the fifty-three years of its work the Connecticut Mutual has received; For premiums... For interest For rents ... Balance profit and loss 1,090,589 03 Total receipts . It has paid deat claims for .. ..$ 97,151,410 T4 Endowments and an- nuities for .. For surrendered poli- cles For dividends 88,523,938 50 A total returned to pollcy holders or thelr beneflctaries, being 96.71 per cent of the entire prem- fums received.. $195,008,657 17 It has paid for ex- penses Taxes 26,000,838 71 9,623,635 03 Total expenditures . +.$230,628,133 91 RAILROAD TRAVEL. SAN FRANCINCO. (Main Line, Foot of Market Street.) vE — Fpox Dec.13,188. — aARmIVE 00 Niles, Sau Jose and Way Stations... *S:494 3:004 Beulcia, Sulsun and Sagramento.... 343 7:004 Marysvilie, Oroville and Redding vie Woodlsnd ... . 5:43r 731004 Elmira, Vacavilie and Rumsty. 8:457 7304 Mastinez, San Ramon, Valiejo, Napa, Calistoga and Santa Ross. 6:13p 8:004 Atluntic Express, Ogden and Seide ®:404 San Jose, Livermore, Stockton one, Sacrsmento, lacervill 413 4:10 12:152 uez, San Ramow, Vallejo, Napa, Callstoga, Santa Rosa. Sacrainento, Angeles. 5:80r Stockton, Merced, Fresuo. 12:152 8:807 Magtines, Tracy, endota, Ficaio, Mojave, Sants Marbara and Los = i . Susa 15:00F Pacific Coast Limited, E! Paso, Fort Worth, Little Rock, St. §9:454 Louis, Chicago and East..... ta Fe ® =:30r 61007 European 8:007 +6:00r Vallofo 175002 Vail s:00r Orcgon i rament: 00 Or xprons, Saoramento, ‘ille Redding, Portiand, Puges Sound and Kas! sass «10:05r Sunset Limited. Fremo, T.08 Angeles, KI Puso, New Orieans and Bast . ... 11459 SAN LEANDRO AND NAYWARDS LOCAL. (Foot of Market Street.) Balance T $ 61,50 It has additional assets (see state- ment) net assets, January 1, 2,38 Total assets ....$ 64,187,755 08 Nearly 97 per cent of the premiums paid by policy-holders have been paid to their beneficiaries or returned to themselves, $64,187,755 06 are held for the protection of existing policies, with a surplus of $7,516,- 542 07; and this has been done at an aver- age expense rate of only 8.89 per cent. This is an unmatched record; but its best significance lies in the fact that the same principles which undelaid and pro- duced these results are as fully operative to-day in the management of the company as at any time in its fruitful history: the same prudent care, the same econom: soundness and strength, and the same un- paralleled low cost. Respectfully mitted, JACOB L. GREENE, President. Hartford, February 10, 1899. Beware of Imitations 9L 10th Day. LG Stng RESULTS. ¥ "10" . Itquickly & surely removes Nervousness, Im Nightly Emissions, Evil Dreams Wasting Diseases and all effects of selfabuse or excess and indiscretion. Restores Lost Vitality, Power and Failing Nemory. Wards off Insanityand Consump- tion, Cures when all others fail. Insist on having VITALI o other. Can be carried in the vest pocket. By mai er package ix for $5.00 with s guarantee to Cure or K« X Circatar Free: - Adon SATTMET CCRY €6, 554 Dearborn St., Chicage Sold by Owl Drug Co.. 8. F. and Oakland. Baja California DAMIANA BITTERS| 1s & powertul aphrodisine and specio tonio for sexual and urinary organs of botl sexes, and a great remedy for diseases of ths kidneys and bladder. A Invigorator and Nervine. Merits; no long-winded testimonials necessary. NABE! & BRUNE, Agents, 238 Market street, 8. F.—(Send for Circular.) Dr.Gibbon’s Dispensary, 625 KEABNY ST. Established in 1854 for the treatment of Private Disenses, st Manhood. Debliity or disease wearingoirbodyand mindand Skin Diseases. The doctor cureswhen othersfall. Try him. Ch: Cures » Box 13957, San AND 13 BIR BETTER KIDNEY A J A Superb Train 'EVERY DAY IN THE YEAR VIA THE UNION PACIFIC [F¢ Union Pacific, 0% pigTon SAN FRANCISCO TO CHICAGD WITHGU[_GHANGE. BUFFET SMOKING AND LIBRARY CARS ‘WITH RARBER SHOP. DOUBLE DRAWING ROOM SLEEPERS. FREE RECLINING CHAIR CARS. PULLMAN TOURIST SLEEPERS. DINING CARS (A LA CARTE). ONLY 3% DAYS TO CHICAGO. Leaves Sen Francisco dally at § p. = D. W. HITCHCOCK, General Agent, No. 1 Montgomery street, San Francisco. THE SAN FRANCISCO AND SAN JOAQUIN | VALLEY RAILWAY COMPANY, From Jan. 75, 15%, treins will run as followsy South-bound. | L, North-bound. Passen- |Mixed. ixed. |Passens Sunday | Stations. [Sunday | ger. Exc’ptd |Exc'ptd | Datly. 10:30 am| stocklon’l 3545 pm| 6:00 pra 106 pm| Merced | 12:40 pm| 4:13 pm pm| Frimo 3 am| G pm| Hanford 45 am| am| Bakersfleld | 2:00 am 11:00 am g Visaila 4 am| 1:22 pm 15 pm| 6:53 pm| Tulare | §:50 ami 1:05 pm Btopping at intermediate points as required. For culars of stage and other connections Inquire at Traffic Manager's Office. 321 et treet. San Francisco. MOUNT TAMALPAIS SCENIC RAILWAY, B ek Daye—di30 & m., 1:6 p. m : 0. 20:05, 1130 . the | same true mutuality and equity, the same | sub- | great Restorative, | Sells on its own | Melrons, Seminary Park, Fitehburg, Rimhurst, San Leandro, South San Leandro, Estudillo, Lorenss, Cherry n Haywards. 4§ Runs through to Niles. # From Niles. COAST DIVISION (Nafrow Gauge). (Foot of Market Street.) B1104 Newark, Oentorville, San Jose, ¥ olton, Boulder Creek,Santa Oruzand Way | *8:152 Newark, Oen | Almaden, Felto, Eanta Cruz and s:308 ose, ouider Creok, | $11:457 Hunters' Exoursion, San Jos Way Buatiors......... ... CREEK ROUTE FERRY. FProm SN PRAROIS00—Zoot of Narket Street (Siip 8)— e and *7:18 9:00 11:00a.m. 11:00 °*2:00 $3:00 00 1800 8:00r.u. Prom OAKLAND—Foot of Brandway.—*6:00 8:00 10:004.m, 11200 *100 1300 300 3400 “5:00eam TOART DIVINION (Broad Gaogo (Third wi:d Townsend $ Wi L. Ne o Wodnaxdare ouip)-roore 11309 91004 Bau Jose, Tres Pluos, Sauta Orus, Pacific (irove, Paso Raobles, Lnis Obispo, Guadalupe, Surf Privcipal Way Stations s San Jose aud Way Station A Ban 'Jose and Way Stati 1437 Ban Mat wood, Pal Santa Clars, San Jose, Gilroy, ter, Sents Orus, Salioa, Monterey aid Pacifc *B:20r San Jose sud Way Statious .. *4:15r San Jose aud Principsl Way Stations *3:007 San Jose and Prineipal Way Stations Biser San Joseand Prineipal Way Stations 8:36r San Joss and Way 111487 San Jose and Wi A for Mornt * Snndays ex days snd urdays snd tations Stations Ing. P for Af . § Sulfi:’nolfik! + !lnd N Tlivs. SThareiies ead Susdess: CALIFORNIA RORTHWESTERN EY. CO. LESSHR BAN FRANCISCO AND NORTH PACIFIC RAILWAY CO%PANY. Tiburon Ferry. Foot of Market St. FRANCISCO TO RAFAER. DAY 0, Coios, N0 w1, 2130, 5419, 630 p. m. Thuzsdayw—Extra tri at L0 p. m s—Extra trips at 1 and 11:30 p SUND. 200, 9:230, 11:00 a m.; 1:30, 2138 o et Pyl RAFAFL TO SAN FRANCISCO, 50, 9:20, 11:10 a. m.; 1¥ WEEK DAYS—$:10, 7: . m. Baturdays—Extra trips l::g, 5:1&( s :65 and 6:8 p. BUNDASE 8D B0, 110 & m.; 140, e, 6:00, 6:25 %. m. Between: San Francisco and Schuetsen Park pame schedule as above. 7:85 pm, 1 .‘L'r:u pm! 0:40 am Sonoma. Glen Ellen. |8:10 pm) 7:30 am| 8:00 am| Sebastopol. [10:40 azm 10:25 am 330 pm| 5:00 pm 7:35 pm| 6122 pm Stages connect at Santa Rosa for uux.&- pvrmf-; at Lytton for Lytton Springs; st b~ erville for Skaggs Springs; al Cloverdale for he G i_at Hopland for can Spri | Higbland s, K D elseyvi Carlsba rings, Soda Bay; Lakeport and Bartiett iprings; at Uktah for Vichy Sprini prings, Blue Lakes, Laurel Dell | Bprings, Upper 0, Shn Day's, Riverside, Lie anhedrin Heights, Huilville, ‘Mendooino City, Willitts. Laytonville, Harris, Olsen's, cotia and Eureka. | g&t\;l&dl.y to Monday round trip tickets ag tes. T on “Sundays round trip tickets to all potnts peyond Ean Rafsel at half rates. 5.0 850 Market st., Chronicle bidg G ék.(W%l l“.fl’ . R. X. RYAN, ager. Gen. Pass Agent. California Limited - Santa Fe Route Connecting Owl Train Leaves San Francisco via Los Angeles at 8 P. M. every SUNDAY, TUES. DAY, FRIDAY. arrives In Chicago at 9:52 A. M. tha following Thursday, Saturdav and Tuesday—Arriving In New Yorkat 1:30 P. M. Friday, Sunday and Wednesday. DINING CARS, BUFFET CAR, Ob« servation Car and Eleotrig Lighted Sleeping Car. This Train is In Addition to the Dally Overland Express. SAY FRANCISCO TICKET DFFICE—s28 MARKET SL TELEPHONE MAIN 18L Qakland Office—1118 Broadway. Sacramento Office—201 J Street, 8an Joso Office—7 West Santa Clars Sk NORTH PACIFIC COAST RAILROAD. Via Sausalito Ferrv. FROM SAN FRANCISCO TO MILL VALLEY ND SAN RAFAEL. AND | _ WEEK DAYS—*7:20, %9:30, 11:00 a. m.; *1:4 | 3:45, 5:15, *6:00, 6:30 p. m. EXTRA TRIPS—EDY San days, Wednesdays and Saturdays :_FwUNDAY ), *10:00, *11:30 Rafael on Mon- at 11:30 p. m- a m.; 115, ), *4:30, m. Trains marked ¢ run to San Quentin. FROM SAN RAFAEL TO SAN FRANCISCO. WEEK DAYS—5:25, *6:35, *3:30 a m.3 $12:20, 2:20, $3:45, 5:f EXTRA TRIPS *1:15, *3:10, 4:40, %6:20 p.” m. Trains marked * starts from San Quentin. FROM MILL VALLEY TO SAN FRANCISCO. nwu‘. EK DAYS—5:6s 6:45, 7:56, 9:40 & m.3 :35, 2 :50, 5:20 p. m. Ty FRIPS . an Mondays. Wednesdays m. 0 p. m. D ms 12:05, 120, 320, % e m P- "'HROUGH TRAINS. days—Ca: week zadero and way sta'ns. b et = Duncan Mills and way stations. 8:00 & m. Sundays—Duncan Mills and way sta's