The San Francisco Call. Newspaper, February 10, 1902, Page 5

v v L ADVERTISEMENTS. PRICES TAKE ANOTHER TUMBLE. Regular Retail Prices Virtually Gut in : Two. As Announced in Yesterday's Paper, the Pommer-Eilers Music Co. Will Sacrifice a Large Wholesale Stock of Choice New and Second- Hand Pianos. Astoundingly Low Prices and Also Most| Favorable Terms of Pay- ng the organization of the ers Music Company last week we agreed with Eilers Piano Company to | take off their hands their entire whole- essale stock at their former warerooms, and on the way. commence business on March 1st with an absolutely new stock of pianos and or- gans which is now being selected at the various Eastern factories by the presi- dent of our company, and we have there- fore determined to close out all the in- struments received in the above trans- action. We realize that only the most un- merciful price cutting will speedily dispose of this stock at this time. A vast number | of pianos were sold by the Eilers Piano Company during their recent great sacri- fice sale by offering them at ridiculously low prices, and therefore our only alter- native is slashing prices again, and down they go. Now is the opportunity of your life. THE PRICES. Here are prices lower than have ever been made on relieble instruments of stm- | fler grade end value in -this country. Every piano and organ has been marked down to prices absolutely without parallel in the history of plano merchandise: High grade Hallett & Davis square piano in most excellent condition Zeck upright piano, fancy case, in perfect tune ....563.00 Kirkman upright, nearly new, cost $276 re- cen - 86.00 Chol a dozen regular $275 up- | rights, now .. £136.00 Plainer cases, also brand new..8$118.00 20 regular $30%0 and 3325 style, also brand | new and fully warranted, now $176.00 and One fency Chickering Bros. upright (the Chicago make), the so-called $550 styles, A large number of the very choicest mot- i mahogany and walnut $375 and $400 er styles 1 others at. very fancy mottled mahogany cabi- made, with all the latest improvements, including the finest Wessel, Nickel & Gross action, retail $450 and $475 respec- t now.. --8258.00 very highest grade fancy 71-3 oc- red, full desk, revolving lock board, three pedals, third a soft or practice pedal, the ue, at a saving in price Some a little plainer, es. yet and for $266, $258 -8245.00 THE TERMS, With the exception of our three most elaborate 2nd expensively hand-carved styles, the factory cost of which slightly exceeds $350. and on which terms will be no less than 350 and 520 per month. All pianos are for sale on terms of $25 down and $10 per month, and some instru- ments may be had for as little as $6 down, ORGANS range from $28 for a second- | hand Packett in good order to $58 for a beautiful walnut cased Kimball organ, | and terms are $8 or $10 down and $i or $ per month Since all prices are based on actual cost | price of the goods, those taking advan- tage of the above named easy terms will pay interest on deferred payments of § per cent per annum. FULLY GUARANTEED, Every piano and organ sold will be ac- companied by the factory’s unconditional five years’ guarantee, which guarantee will be countersigned by us, thus fully protecting the customer in every way. This sale as above will be at our new store, 652 Market street, San Francisco, and if every one in this city could but realize the exact situation as it is, noth- ing would be left for sale by Tuesday night. Store open day and evening until closed out. POMMER-EILERS MUSIC €0, 653 Market Street. It is out intention to actively | wholesale wvalue $276 and $255, | t grand sample planos, the very best | » with carved or plain panels | swinging duet music | THE SAN FRANCISCO CALL. MONDAY, FEBRUARY 10, 1902. - [ELEVEN PERISH IN ST. LOUIS FIRE AND PATERSON SUFFERS FROM FLAMES TEN MILLION DOLLARS' LOSS BY FIRE Continued From Page One finally came to them they were grimed and exhausted. A partial list of de- stroyed follows: n laings—City Hall, Public Library, o‘dpn’?ilt; h“l‘l?,(“;olh:«- ;'/(an\m No. 1, Enm".e hgua«, patrol ‘stables, ligh school, school No. 1 Churches—First Baptist, Second Presbyter- enue Baptist, St. Mark’s Ipisco- ph’'s Roman Catholic. 't National Second National (par- on Nationial. Silk City Trust, the propertles Pates tatly) Han Trust, Paterson Trust. b hmsenYouns Men’s Christian Associa- tion, Knights of Columbus, Progress Club, St. Josepi's Hall Hamilton Club. \\ buildings—Rom: \ding, Siflog, Marahail & Ball, Cobn buildis Katz , Old ock, one Kinne building, Stevenson building, Town &l B eeaaph companies—Western Union, Postal | o oatarThe Garden ter—The L i | e re- The Evening News, the Sunday Chronicle. = sh & Co.. dry goods; Bos- o e e Fopde, Natioiial Clothing Com: B e a's irug Store, Muszy's harawars e . I Marshall & Ball, ey B e WO, ;Wi dyke's grocery, P. H. 3 Ei’.’efd.‘f‘ ;‘;’5‘:3_\ Storer The Baterson, dry goods store: Jordan's piano store, Sauter & Co., pla- | mons Feder & MeNair, shoes; Sendler's confe | tonery: Tappan's tea store: Ragowskis mil- ! linery, Brohal & Mueller, shoes; C. E. Beach, | automobiles; Moorehead & Son, clothiers; Pat- erson Gas and Electric Company, Skye's drug | store, Mackintosh’s drug store. Five Hundred Dwellings Burned. An estimate made from a general in- spection of the smoldering ruins placed the number of dwellings and apartment houses destroved at 500 and the number of families left without shelter at 1000. A re-estimate, when order succeeds con- fusion, may alter these figures. The fire began its work of destruction at the power house of the Jersey City, Hoboken and Paterson Traction Com- pany, which fronted on Broadway and extended a block to the rear, on Van Houten street. It commenced in the car shed and was burning fiercely when one of the employes detected it. It was leap- ing through the roof and the gale was lifting it in forks and swirls when the fire apparatus came into the roadway at Van Houten and Main streets. The firemen tried to hem in the blaze, but it speedily crossed Van Houten street in one direction and Main street in an- other and, gaining vigor as it went, burned unchecked down into the business district. Every piece of fire mechanism in the city was called out, but the fire and gale were masters. g A great torch of flames arose high in the air, lighting up the country for many miles and carrying a threat and a warn- ing to the people and property in its path. There were efforts to rescue furniture and stock, but the speed with which the fire moved gave the rescuers little time. Property was often moved to a place of presumed safety, only to -be eventually reached and destroyed. The warning to many was brief and they were forced to fiee, scantily clad, into streets glazed over with ice and swept by the keen winds. Flames Raze the City Hall. Main street was soon arched over by a | canopy of fire for a block and then for two blocks, as the flames fastened them- selves upon-building after building. The firemen fought with every resource of their craft and the impulse of despera- tion, but the flames found new avenues in Ellison and Market streets and got beyond all control. alls for relief went out to every city in this portion of the country and the aded firemen labored on through the opeless hours of the morning. The City Hall, a mafinificent structure, surmount- ed by a great clock tower, situated on | Washington, Ellison and Market streets, | finally caught, and with it went all of the | splendid business structures that sur- rounded it. They made a great furnace of | fire that burned with a fierce roar. There was a series of explosions and cores of walls fell when the fire left them | strengthless. Flying firebrands carried | the conflagration over some buildings and | around others, and it therefore burned in | an irregular gourse. Those brands finally | cleared the tracks of the Erie railway and | Ramapo avenue, and alighting on Straight street started another great area of fire, in which the destruction and desolation | wrought was nearly as great as in the | other. | Fire Stops at Cemetery. clouniers; This second great fire started at the angle of Park avenue and Washington street and swept almost unchecked until | on these two thoroughfares there was no more fuel. On the right hand side of Mar- ket street it encountered Sandy Hill ceme- tery as a barrier to check it, but on the | left hand side, at Carroll street, it claimed | St. Joseph’s Church, a great classic stone | building. It was on this second great fire that the volunteer firemen from the out- | side cities did their most heroic and ef- fective work. They fell back only when they had to and when the natural obsta- | cle_interposed they seized their chance and stopped the fire. The final and one of the most desperate | ights of the day occurred in mid-after- | noon, back in the first fire area, at the | Hamilton Club, situated at the corner of | Church of Ellison streets. The handsome | clubhouse caught and the exhausted fire- men were rallied around it. They were | anxious to save the structure, and, besides, failure meant that the fire might take new headway among the properties adjoining the clubhouse. The building was doomed, but a torrent of water kept the fire con- fined to the premises. The four walls of the clubhouse stood, but the roof collapsed { and the interior was completely burned t. e Sightseers Pour Into City. | Paterson rests in a valley and the con- | fiagration was an imposing spectacle from the hills that wall it in. Columns of flame climbed high into the air and shed their light for miles. Hundreds of persons | hurried into the city before daylight to watch the work of destruction at close range, and when the day came thousands more joined them. The fire became a great popular spectacle that claimed pa- trons from New York and every outlying town in New Jersey. They crowded the regular trains of the railways operating through here and compelled the dispatch- ing of extra trains. Once in the city they crowded around the firemen and at times | | hampered them in their work. Police lines | were impossible and through the day they | poured in an endless stream through the | desolate streets. Great pinnacles of ruined brick stood in every street. but the crowds passed under them unmindful of the warings of police and firemen. With the crowds came thieves and looters, but there was not much pillaging. Under orders from Gov- ernor Murphy, Companies A, C, K and M | of the Fifth Infantry, National Guard, as- sembled at their armories and were held as a reserve force. The police, deputy Sheriffs, hundreds of special watchmen and firemen united in protecting property | during the day. Move to Prevent Crime. To check disorder and prevent crime, { Mayor Hinchcliffe and Sheriff Sturr to- night issued a proclamation that all per- sons shall refrain from traveling or being upon the public streets of the city of Pat- erson, within the limits of the burned dis- trict, after the hour of 7 o’clock p. m., and any person refusing or neglecting to obey this proclamation shall be subject to ar. rest and punishment. louseholders an roperty - in the district will be al owg’d'il",‘,fl:s?;'ég‘n giving satisfactory reasons and proofs to the officers. Three relief meetings were held durin; the afternoon, the principal one of whic | was attended by Governor Murphy and Mayor Hincheliffe. In a few moments $800 was handed to tha Mayor for immediate use, but the chief magistrate sald that ‘while the city had suffered a terrible visi- tation. he was in a position to say that there was very little distress, The busi- ness section of the city had been practi- cally wiped out, but the residence portion which suffered was that in which well- to-do citizens lived. Despite the precaution of the authori- ties, there is much confusion in the streets to-night. The destruction of wires left the city in darkness, save for the dull Jow given off by the acres of embers in the two great fire areas. Hundreds of be- lated tors crowded around the depots and nrucgled in the dark for places in the overcrowded trains. The street railway system was badly damaged through the burning of its wires. Early in the day the Mayor issued an order forbidding the sale of liquor. It was LR not obeyed, however, and the:e—ias con- siderable drunkenness. i Late to-night the fire still burns, though it has been well under control since mid- afternoon. The fine interior of the Ham- fiton Club, which was the last of the bulldings of prominence to suffer, was crackling and its walls were reddened by the glow from slowly expiring flames within and around. Twenty-Five Blocks in Ruins. The area of destruction foots up, rough- 1y, twenty-five city blocks. From Main street to Paterson, between Van Houten and Market streets, there is little left. On the block bounded by Main, Ellison, Washington and Market streets not a single building except that of the Paterson Savings Institution stands. All along the west side of Maln Street prop- erty Is wiped out, as it is on the east side from Market to Van Houten streets. Along the south side of Broadway, be- tween Washington and Church streets, great damage has been done. Van Houten street is reduced to smol- dering debris, as far as buildings are con- cerned, for some distance. Ellison street suffered from the neigh- borhood of Prospect street on its north side as far as Church street. On the south side of this street there is widespread ruin from a short distance west of Main street to the parsonage of the Second Presbyte- rian Church, near Paterson street. Market street is a pile of ruins from Main street to the Market-street church on the north side and on the south side. Nowhere was the scene of devastation more marked than north of the Erie Riv- er, in the district boinded by Sixteenth avenue and Market street. There was simply nothing but ashes left to tell that a busy and populous section of the city had ever existed. * On Washington street, between Broad- Jray and Market street, there is ‘nothing Church street is wiped out on its west side between Ellison and Market streets, as it is on the east side. It was in _its newest and best built por- tions that Paterson suffered, though some of the property now lying in blackened ruins had an interest which came with age and usage. Many Persons Reported Missing. One death was reported as a possible outcome of the conflagration—a Mrs. Brown—who, it was said, was more than 80 vears old and who was removed from her residence, 18 Broadway, just two doors from where the fire started in the car- sheds. She was taken to the residence of a friend nearby shortly after midnight and died an hour later. It was said that her death was hastened by the excitement consequent on her nasty removal to a place of safety. Scores of persons were hurt and burne.. but the loss of life is not believed to be great. Many persons are reported to be missing, but in the excitement and fright most of these are supposed to “~ sepa- rated from their families and friends. Reuben Islib, ‘while serving coffee to the exhausted firemen, was hit on the head by a felling beam and it is doubtful if he will recover. He was carrled away-by the firemen as they made their retreat from the doomed schoolhouse. George Fitzmaurice, a fireman, who had been acting as driver for Fire Chief Stagg, is dyving. He was drivin~ an en- gine from Passaic, when the horses bolted and before Fitzmaurice could get them under control they brought the apparatus afi‘nln!t an electric pole and Fitzmaurice, who had not waited to strap himself in, was hurled out upon his head. There is no chance for his living. JERSEY CITY PIER BURNED. Loss Aggregates a Quarter of a Mil- lion Dollars. NEW ‘YORK, Feb., 9—Fire destroyed pler 7 of the Lehigh Valley Railroad Com- pany in Jersey City this morning, and the loss, including damage to shipping, was ,000. Fire tugs fought valiantly from the riverside, but the city fire department was obliged to drive over a mile of rafl- road tracks to reach the pier, which was doomed before the department reached it. The steam canal-boat Dale, owned by Joseph Pinnaro, who lived with his wife in the cabin; the tug Mildred, the Lehig] Valley barges President and Pittstoa, and the two-masted schooner Meteor, lying close to the pier, were soon on fire. The Dale was cut loose and towed about 100 feet toward the river, where it sank. Pinnaro and his wife escaped over other craft to the wharf. The Meteor is nearly a total loss. The other hoats were saved. The pier was 500 feet long and 120 feet wide, and had a second story. It was covered with corrugated iron. The floors were of vellow pine. It contained 211 carloads of flour in barrels and Carloads vary from 130 to 200 barrels, There was approximately 40,000 barrels of fiour on the pier, valued at $3 a barrel. B ] ) TWO GIRLS RUN AWAY FROM HOME Continyed From Page Three. of dancing, and at every opportunity went wherever that amusement might be af- forded her. She also had dreams of be- coming a fancy dancer and making her mark behind the footlights. Mrs. Lang- ford opposed the girl going to some dances, especially with Norma Dobson, and although the girl always acquiesced to her mother's wishes, apparently, she generally found an excuse to leave home and indulge In the terpsichorean sport. Otherwise Grace’s home life was happy. She lived alone with her mother, and both toiled mutually to keep the larder sup- plied with food and place clothes on their backs. On esday. night Grace stated to her mother that she was obliged to return to work and would not be home until late. After her departure from the house Mrs. Langford was surprised * to find the girl's scissors in her lunch bas- ket, and this discovery excited her sus- picions. She then remembered that Grace had dressed herself unusually well before leaving the house, though at the time she attached no especial significance to this observation. ‘When midnight approached Mrs. Lang- ford went to Norma Dobson’s home and ascertained that the two girls had gone to a dance. She waited through the night for them to return, but neither came, Then she notified the police, and Captain Seymour detailed Detective Coleman on the case. On the day following both girls were seen several times. In the morning & friend saluted them on Tenth street, and they were last heard from at Third and Howard streets,. several hours later, Grace had but 10 cents when she left her mother and Norma had but $1. This is strong evidence that they had been en® couraged in their act of leaving home and had been promised aid. = Norma Dobson resides with her grand- parents, Mr. and Mrs. W. A. Cox. Her father and mother are not in the city. She seldom had difficulties with them and never dropped an inkling of dissatisfac- tion at the life she was living. The girls had planned their departure. Grace placed one of Norma's dresses over her own, and the later wore two of hers. Miss Langford is a short, stout blonde. and wore a dark dress. Miss Dobson was attired in a long raglan and is about five feet four inches in height. GREATEST TYPEWRITER SALE ON RECORD The Austrian Minister of Justice Orders Smith Premiers for Every Court. VIENNA, Feb. 7.—The greatest single purchase of typewriters ever made has been ordered by the Ministry of Justice, which, after three months of exhaustive competitive tests, has contracted to equip the entire Ministry with not less than 1200 Smith Premier Typewriters, supplyin every court. s & M. Alexander, 110 Montgomery street, are the Pacific' Coast dealers, —_—— His Son the Condor’s Cemmander. NEW YORK, Feb. 9.—Among the ar- rivals on the Ciinard steamer Lucania to- day was Sir Charles Cameron, Bart., a former member of Parliament. 'He is the father-in-law of Commander Clifton Slater, of the British naval ship Con- dor, which is supposed to be lost in Pa- cific waters. He is going to Esquimault, B. C., to join his daughter, Mrs. Slater, and look after her affairs. ELEVEN PERISH IN ST LOUIS FIRE —_— Continued From Page One scene the whole front of the bullding was in flames and the interior was a neethlnfi furnace. By that time all who escape: death had got out of the bullding by jumping from the windows or climbing down ropes made of -bedclothes. A few i escaped from the ground floor through ths front door. Some of the escapes were Very narrw. Almost everybody who got out suffered some injury or was frost-bitten. Some ‘saved their clothing, which they carried in their hands, but others were not 8o for- tunate, losing everything. After some de- lay near-by houses were opened to the un- fortunates and they were glven shelter from the biting cold weather. It was one of the,coldest nights of the winter, the ground being covered with ice and snow, and every one suffered from exposure. The suffering ones were put under the care of physicians. Harry Cline, Walter Johnson, Henry Robinson and an un- known man, who died later, were taken to the City Hospital. Robinson recovered enough to be taken home. The others named will be laid up for some time. All of the Bodies Recovered. After a short fight the firemen got the flames under control and, assisted by the police, made a search of the ruins.” The first body found was that of John C. Lue- ders, who was killed by jumn‘lng from the third story. His head was"crushed in. The body of Lueders and those of the oth- ers found later were taken to the Morgue, where friends and relatives identifie them. Sarah Harris was found on the first floor. The remains of the other vic- tims were found in their rooms, they had been suffocated or burned. J. J. Lally, who managed the hotel for his brother-in-law, J. W. Gillam, had rooms on the first floor. He said there were four rooms on the first floor, nine on the second and seven on the third. If all the guests occupied their rooms thirty-six persons, including the colored porter and the chambermaid, were in the building when it burned. Lally said he had no means of knowing just how many persons were in the house at the time the fire broke out. Some of them were in the habit of staying out late, and it is possi- ble all were not there then. He was awakened by hearing Cornelius Ryan, one of the roomers, crying ‘Fire!” Lally said he grabbed his clothing and money and hurried into the hall, which was ablaze, and without stopping to dress stepped out through the front door. Both stairways were on fire and he barely had time to get out. Lane, Ryan and a man named Nicely escaped the same way. The only way for the others to get out alive was through the windows, the burning stairways cutting off their escape that way. Some jumped and sustained injuries more or less serious, while others who took time to improvise ropes from their bedclothing got down safely. To-night most of the guests have been “Hccounted for In the list of dead, injured and escaped. Among those unaccounted for is A. Goldberg, a stranger, who came in late and went to bed without register- ing, and two students, whose names are not known. It is not believed there are any more bodies in the ruins, which have been carefully searched. For this reason it is believed the missing men will put in an appearance. Y¥OURTEEN PERSONS INJURED. Three Hundred Thousand Dollar Loss in a Brooklyn Blaze. NEW YORK, Feb. 9.—An official esti- mate of the damage done by the fire which destroyed the plant of the Shadbolt Manufacturing Company in Brooklyn early this morning fixes the loss at $300.- 000. Fourteen persons were injured and taken to the hospitals and a number of others were attended by ambulance phy- sicians on the spot. The list of the more seriously injured follows: Patrick Nevins, superintendent of the repair shop of the Brooklyn braneh of the fire department; Edward Treuer, William Moran; George Conrad, fireman of Engine No. 110; Captain Oswald, alde to Fire Chief Croker; Louis Jeroskey, James Kelly, Roundsman Henry J. R. Tabor, Peter F. Martin, Edward Hibey, William Moore, John Relilly, Stephen De- lapp and Joseph Kelly. The loss to the Shadbolt is given as $250,000, fully covered by insurance. This loss includes the building and stock of wagons and carriages manufactured by the company. The total loss to the other buildings in the vicinity is placed at 350, (0, and includes Bainbridge Sons, sta- tionery manufacturers, four-story brick structure, directly opposite the Shadbolt premises, $10,000, insured; Dickersons & Brown’s hat factory, behind Shadbolt factory, $1000; J. Parker & Co., shirt man- ufacturers, $15,000; George McHedden's frame stable and eighteen of McHedden's horses, total loss $2000; three-story brick tenement owned by Stephen Cantonic of Jamaica, L. I, $4000: building owned by Dr. M. Camador, $6000. The blaze was first discovered on the ground floor of the Shadbolt building. which was a mass of flames before the first relay of fire engines arrived. Event- ually two-thirds of the Brooklyn force was at work. The marine fire corps of the Brooklyn Navy Yard was employed. ‘where Fire Destroys Georgia Town. ELBERTON, Ga., Feb. 9.—Fire here early to-day destroyed nearly all of the business section of this city, doing dam- age estimated at $100,000. Among the firms_burned out were: Stillwell & Gov- ern, W. H. Corley. T. J. Hulmes, E. B. Tate & Sgps' two stores, the Tate block, the liverf®stables of R. E. Hudgins and M. H. Maxwell, Tabor & Almand, O. Hawes, M, E. Maxwell, Joseph hen, the T. M. Swift block, and mgpnewc‘x’:'l‘:y?i of the Southern Bell Telephone Com- pany. 4 THE DAY’S DEAD, + Miss Fanny Leland. CHICAGO, Feb. 9.—Miss Fanny Leland, daughter of the late Warren F. Leland, who was managing the Windsor Hotel at New York at the time of its destruction by fire, died to-day at the Leland family residence on Drexel boulevard. Miss Leland was 27 vears of age, and, while never of robust health, has failed stead- {ly since the death of her father, which occurred shortly after the destruction of the Windsor Hotel. General William L. McMillin. COLUMBUS, Ohlo, Feb. 9. — Gen- eral William L. McMillin died this after- noon at the home of his stepson in this city, aged 72 years. General MecMillin served throughout the Civil War, retiring with the rank of brigadier general. e articipated in many battles in the West. Jis brigade was sent from Memphis to fli‘fi relief of General Thomas at Nash- ville. et g S Mrs. Sophia Jane Vance. SAN JOSE, Feb. 9.—Sophia Jane Vance, wife of Police Captain Vance of this city, died here to-day, aged 63 years. Mrs, Vance came from Tennessee to this State in 1860 and had resided in San Jose since 1870. Captain Vance has been an active member of the local police force since . The couple celebrated their golden wedding two years ago. — James W. Dickinson, CLEVELAND, O., Feb. 9.—James W. Dickinson, former chief of the Cleveland fire department and one of the best-known fire-fighters in_the country, died to-day after a long illness. He Wwas connected with the Cleveland department for nearly a half-century. J. M. Baldwin. SUISUN, Feb. 9.—J. M. Baldwin, for nearly forty years a resident of this vicin- ity, is dead at his home in Suisun Valley, aged 76 { rs. Among his children are Mrs. A. Cunningham of Oakl; Mrs. Alden Anderson of Suisun. padand —_— Daniel W. Guernsey. NEW YORK, Feb. 9.—Daniel W. Guern- sey, a Clvil War veteran, lawyer and poli- tician, ‘lueddal:e;: t{;fl’,{'. “e‘li-l Sglyeurs. He ea n; Which organizatton he was x:a&othm Commissioner. ! INSURANCE. B FIFTY-SIXTH ANNUAL REPORT —OF THE— CONNECTICUT - MUTUAL LIFE INSURANCE COMPANY, To the Members: One more has been added to the many years in which by the diligent exercise of carefulness, prudence and economy you: company has, in the fullness of strength and in a degree equaled by none other, been realizing for its great ‘membership the perfect intentlon and the ideal results of life insurance; absolutely rellable pro- tection to the beneficlaries needing it, at its actual and lowest annual cost to the person paying for it, with complete equity betwecn the members; and what is of equal moment, it has steadfastly main- tained those principles of administration which are essential to enduring success; those conditions of vigorous vitality de- termined by the selection of.sound lives in healthy localities, low cost of business, the conservative extent and character of contract undertakings, with their. proper financlal basis and protection, which will still enable it as the years go by to fulfill to the letter, at least cost, and to the highest hope and trust of the dependent family, the one specific service which life insurance, alone among human institu- tlons, can render. The Secret of Its Success. It is by resolute adherence to these prin- ciples and the maintenance of these necessary conditions, against a competi- tion inspired by very different views, that The Connecticut Mutual has come to that estate of solid strength in its member- ship, health and soundness in its busi- ness, its condition, and that steady uni- formity of the best results year after year, which have been and continue to be among the most marked characteristics of its prosperous and beneficent career. While others strive for great and rapid Browth, regardless of the great cost and enormous waste of business that go with their flerce competition, and would persuade the public that all who do nrot adopt their aims and follow their meth- ods are deficient in ambition and energy, your company holds steady to the purpose of furnishing the best that life insurance can do at its very least attainable cost. ‘What better can it do? What other or different thing ought it to strive for? ‘What other or different thing can it, or any other company, undertake with real success? The True Aim. For consider: Life insurance contem- plates and is adjusted to just one end— the immediate and sufficient protection of those dependent ones who are either not at all or insufficlently provided for in case their breadwinner dies, and for whom he can make no other provision at once, and can make no other at all ex- cept by the long process of vearly sav- ings slowly accumulated in savings banks or by investment in safe securities bear- ing interest at a moderate rate, all sub- Ject to interruption and delay by unfor- tunate contingencies, and to be brought to an end at any moment by his death. Life insurance changes all this: It, and it alone among human schemes, can pro- vide at once, in case of death, the fund which could have been accumulated only in a long lifetime, which might never have been otherwise accumulated at all, which at best could have grown but slow- ly, and might have been stopped at any time. This is the one thing life insurance can do; this is the one thing which no other device of man can do. Every other thing that can be done for men with money, and with their money, can be done, and best done, by other financial schemes and the institutions designed and fitted to their specific purposes, but this one thing none other can do. Therefore must he on whose life others depend use it for their immediate and sufficient protection. The Limitations of Life Insurance. In dealing with life insurance as one of the most useful and influential factors in the development of our socio-economic life, it is of the highest importance not cnly to recognize at its fullest use and value its true aim and single function, but also to recognize the limitations of that function by reason both of the sin- gleness of the aim itself and by certain incidents inseparable from the conduct of the business as a business; which inci- dents sum up their effect in an expense of management necessarily higher than that of any other class of institutions used for the care and investment of money. Unfortunately the business is and ap- parently can be done only by solicitation, which is costly; and it demands the em- pioyment of large office and medical staffs and field organizations. ‘While, then, the service life insurance renders is unique, its cost, even when kept rigidly down to a minimum, is unique as compared with that of savings banks or the investment of money in or- dinary safe wavys. But because a man’s duty to protect his family is imperative and because he can- not otherwise rightly and fully discharge it, he is justified in incurring that ex- pense for that purpose. But he is not justified in incurring that expense by using the company to do some other and Gifferent thing which can be done by some other instrumentality at far less expense. Moreover, a life infurance company can- not undertake the obligations and opera- tions peculiar to other institutions without using methods and subjecting its business to contingencies which contravene and imperil the very structure imposed upon life insurance by its own particular pur- pose. When a life insurance company in order to attract business undertakes to treat its reserves, created and held for the ulti- fnate payment of all its insurance con- tracts, as if they were deposits in a sav- ings bank, subject to withdrawal at the will of the depositor, and so to be looked on by him ‘as an investment; or makes Ats olicles seem to be a ‘“‘bond,” comparable n cost and outcome with a real bond in- vestment, it not only exposes its whole in- surance business to the sudden paying out of the reserves necessary to Its integrity, but, if it regards its premiums as ‘“de- posits” or as ‘installment payments"” for the purchase of ‘“‘bonds,” it has to charge these deFosm or installments with not only their annual contribution to death losses, but with commissions to agents and other expenses, which take out of them every vear a large percentage on each $100 deposited or paid in, varying ac- cording to the company's economy or e e e e e KANSAS WOMAN TELLS OF A BRUTAL MURDER Rhoda Taylor Relates How Noah Long Was Put to Death. KANSAS CITY, Mo., Feb. 9.—Rhoda Taylor has made a written confession to the police of Argentine, Kans., across the river from here, that Noah Long, the aged stonemason who disappeared mysteriously from his home there a week ago to-day, had been robbed and that his body was thrown into the Kaw River. Long was an old soldier and had drawn §210 pension wioney from the bank on Thursday last. He visited a saloon in Argentine that night, which was the last time he had been seen. To-day the police are searching for the body in the river, which, except at the place it is alleged he Was thrown In, is covered with thick ice. According to the woman's confession, which was signed in the presente of a reporter, Henry Donchué and James Goff were with her and Long at Donohue's house o‘_xll the Thursday night Long dis- ared. e had, ‘woman, she asserted, INSURANCE. want of it. And this stands in contrast with deposits in uvll:fil banks without any commigsions at and but slight comparative cost of management, and with real investments in mortgages, bonds or good stocks, with no expense at all. Present Competition. Obviously one cannot afford to employ a life insurance company with its neces- sarily high expense rate to act as his sav. ings bank, nor to regard its policies, how- ever. phrased, as real investment bonds. nor to have his life insurance, on which his family depends, exposed to the con- stant menace of the wholesale withdrawal by others of the necessary- - reserves as if they were really mere deposits in bank. Yet it is precisely along these lines that ‘business is most sought to-day, and the companies seeking it most eagerly are those that have the heaviest expense rate, and the business is secured in part at ‘least through misa; ‘hension. The ex- pense, is concealed from the policy holder for the present by postponing dividends for long per: of ‘years, with the ex- pectation also that meantime many for- feitures will occur for the benefit of those ‘who ,outstay the period; the “5 per cent bond” sells through concealment of its real cost and of the fact that for the same money one pays for a $10,000 “bond”” he could have instead $13,000 cash down: and the companies turn themselves prac- tically into savings banks, trusting luck that the run may never come which would destroy them as insurance companies. Lesson of Experience. And yet one of the most striking fea- tures of the experience of the companies competing by these methods for great growth for twenty-five years and more is the fact that, notwithstanding the enor- mous lapses and forfeitures which have occurred and upon which they have de- pended for unusual profits to those who outlived and outstayed the deferred divi- dend period, the expense has been so great that the actual dividends have not even approximated the estimates upon which the business was secured. The Sound Position. It is because there is but just the one thing that life insurance can do that no other institution can do, and because, at best, its Hecessary cost is relatively high, and because any other financial opemlflm can be better and more cheaply done by some other - institution organized for its own specific purpose, and.because a life insurance company cannot do anything sthat other institutions svecifically under- take except at a Uisproportionate and excessive cost, and yet more, because any other thing which other institutions un- dertake is, in specific aim, method and in- cident, in conflict with and more or less destructive of the proper alms, methods and results of life insurance and its ad- ministration; it is because of these things The Connecticut Mutual has re- fused to be led aside by the stress of com- petition, to deck out life insurance in the garb of something else, has adhered to the true and particular alm of life in- surance and its necessary method, and has thereby accomplished its Intended result of perfect protection at low cost in an incomparable degree; it is because of these things that it still so bases and frames and administers its contracts as to give to its beneficlaries sure protection at least cost and at an annual cost to the payer of the premiums, according to his own proper risk from whatever cause, protecting him against fraud by others and the cost of it, and not taking any- thing from him by any device for the benefit of some one else. It is in_its business so conceived, so based and so administered, that your company has achieved that great strength, steady prosperity, and that steady and great volume of operation that have enabled it to serve its members to their unique advantage; and it is in holding to the same sure conditions and in ‘the full fruition of their consequences, that it confidently hopes to render a fu- ture service of equal beneficence to de- pendént families, and of equal value to those whose duty it is to protect them. The Operations of the Year. In its main results and in the conditions affecting the future with which it closes, the year 1901 was a satisfactory one. The detalls are given so fully elsewhere that we shall here deal only with the general features of the year’s experience. The new business written was larger in amount than in the previous year; the number of lapses and other terminations was considerably smaller; the increase in the amount of business in force was con- sequently greater, with a corresponding increase in premium income and in assets. Mortality. Owing to the age of the company and the remarkably small proportion of lapses and surrenders and the consequent per- sistence of its business, its risks have come to have a greater average age than those of any other company; it has also proportionately larger resources in the reserves held on the amount at risk. Al- though from the greater average age the mortality is necessarily large, it is far less than was expected and has been provided for by these greater resources, a corre- sponding part of which becomes each year a saving from the expected losses. This saving during the past year amounted to ,§19. The volume of risks, their excellent character, theit steady persistence and the care with which new business is se- lected to replace the old, all combine to give a mortality experience very favorable in rate and very uniform on the average. Throughout the entire history of the com- pany its losses have been less than four- fifths of those exnected. Expenses of Management. The same careful ecofomy has been ex- ercised as in all the past. For the last two or three years the expenses incident to the care and repairs upon foreclosed real estate, which have been charged to expense account rather than to the prop- erty account, have carried our expense ratio temporarily higher than our usual standard. This difference will disappear as the property which has caused it is dis- posed of. The ratio for 1901 was less than that for 1800. Real Estate, Interest and Invest- ments. For the seven years prior to 1901 fore- closures of mortgages were in consider- able excess of sales. During the last year, however, the situation has changed; we took in properties costing us $217,814.35, and sold properties that had cost $868,- 379.26. Some of these sold at a profit and some at less than original cost. Many of the properties sold-were among our older holdings in localities where changes of business centers had permanently depre- clated values. We still have some prop- erties In like situation, which will prob- ably sell for something less than cost, and it is our purpose to dispose of them as it can be done without unnecessary loss, and so improve income and reduce expense. Upon the greater body of our holdings, however, we may reasonably expect some gain in a fair market. We have made a good deal of money on the whole on foreclosed real estate. The large addition to the Home Office building referred to in_our last report is nearing completion. and is being followed by changes in and additions to the old, which will bring the two advantageously together, with a good prospect of a satis- factory financial resuit. The Interest rate on desirable loans and securities has tended to a still further de- cline, with a growing scarcity of satis- factory investments for funds in the na- ture of a trust. We have considerably reduced loans on real estate and increased olur holding of first class railway securi- tles. The balance or net profit of the year upon changes in securities and sala of real estate was $88,603.75. INSURANCE. The market value of our securitlies has increased connldemlg during the year; ey are of a character to be least ag;:rorubly affected by market fluctua~ pi m!nrpl\u and Dividends. s the cost of a man's in a mu- tual insurance eomp-nngotlfo, difference between the premiums charged and the amount returned to him by way of a divi- dend, the surplus earned and the surplus divided me very important factors in his experience with his company. Surplus can be earned legitimately in only three ways: 1—by smaller expenses than the premium provides for; 2—by a less mortal- ity than is provided for; 3—by a higher rate of interest than is assumed as prob- able in computing premiums and reserves. For many years the competitioh has had a bad effect upon the expense account of most companies; it has also led to a good deal of apparently doubtful experimenta- tion in the selection of risks and in deaiing with hazards; and the steady decline In the interest rate has eaten away mucn of & very important item of possible surplus. The matter is of somewhat special in- terest to us;at this time because the dis- agreeable task of cutting dividends has been in recent years and is still being quite largely performed by some com- les; and any reference to their reduced dividends in comparison with the increas- ing scale maintained by the Connecticut Mutual for now twenty-one years is met by the assertion that this company, too, must presently cut down its réturns; that the rate of Interest is d‘otn( down, and that its surplus is already diminishing. © have never undertaken to prophesy. We do not try to prejudge cvents. We pre- fer to meet them, and our duty to yuu under them, without pressure or prejudice from wrong preconceptions, or from hav- ing put ourselves in a faise position. When ‘we can no longer earn the surplus we are dlvldlng and can no longer safely trench upon the large existing surplus, kept up for the purpose, to maintain m:‘Pm-m rate of dividend, we shall not hesitate to say 80 and to act as the facts may require. History of Our Surplus. We only wish to call the attention of those in any manner interested to a few pertinent facts: . For many years this company has been governed by the idea that, while surplus should be quite closely divided each year 80 as to make a man’s payments as small as possible, yet, as it is impossible that an absolutely complete division can be made. and as a gradual if small annual reduction in payment tends to the persistence of the business, it is desirable in unusually good years to accumulate such margins of sur- plus as may be earned over and above or- dinary surplus-earning capacity, to be used in maintaining the dividend rate In the years when the margins may fall be- low. It greatly helps the premium-payer, and, the proper adjustment by post-mor- tem dividend being made, it works no in- equity to any one. During the decade 1370-30 the company had occasion to trench very largely on accumulated surplus in this manner. In 1881 its surplus was 33 which was 6.77 per cent of its assets. The conditions being untoward, it was decided to reduce the dividend scale to the apparent actual earning capacity. From this point we be- gan to earn small items of surplus above the amount annually divided. In 1882 we recast the premiums and reserves for all future business on a basis of 3 instead of 4 per cent Interest, which cut down the margin for expenses and increased the amount required for reserve. Notwith- standing, in 1892 the surplus had crept up to $6,059,156. It was then deemed proper to liberally revise the scale of division; but the surplus continued to increase until 1898, when it stood at $7,521,909. Since then it has been somewhat drawn upon each year to maintain the long-continued scale of dividend. How long it may be neces- sary to do this, if it long remains neces- sary, or how far we may deem it wise and prudent to continue the process, we can- not predict. It is a just and proper as well as the intended use of past accumu- lations of surplus so long as it is safe. ‘When it approaches the questionable point we shall stop and frankly go upon a scale that squares with the facts and conditions likely to govern the future. We cnufd spare over $2,500,000 from our present surplus of $7,011,040, and yet have as large a percentage to assets remaining as when we made the last cut in 1381, saying nothing of over 32,470,000 greater comparative strength in our reserves by reason of the 3 per cent interest assump- tion. ‘We are maintaining the low cost of busi- ness: the sales of real estate will grad- ually reduce taxes and expenses and im- prove the surplus income, and we shrunk our surplus last year only $180,308. And our situation respecting the use of surplus differs materfally from that of most companies in this, that the bulk of theirs is held under a moral though not a legal or contract lien for the deferred divi- dends hoped for by those who outstay the next one to twenty years. It is not so with us. It is not held as a speculation for a few, but for the benefit of the busi- ness as a whole. We ask careful scrutiny of the follow- ing record of the operations of fifty-six years: - = = > = E;?;} z. 5.5 X, RSS -3 =54 s 3 &gz 55E 33%5d 23537 £ 25 vo. 2238 333 £ g5 B2z 232" 37435 £3 . "23¢ o23x " §.42 2 53 § -%zF 3373 ¢! ~§53 2 = g 33322 5 = 8. 3 o33 24333 2080 e B2 5 :832 g3zss 3 Soa @ RS RESRE B oS cpe gl “ige 3 : 83 3 183w ap g::¢ P ogE % 18%8 :3.3: #::i: e o= Saa g §25 153 : =% > 1323 : me bolp | : BB EH S £d B £ *g k- 2 -1 . 5" z g L i3 ¥ £3 i3 "IHOLSTH IVIONVNIA SLETANO0D g “»B33 LEEE 5 §2d4 i 2382 z | = 58s |BR=S 223 | EEL 38 15 6L1'425'008 00t 63 969'229'F T6 T89'0V0'T0% ¥ 909'006'09T$" €€ 680'cFO'91ES i The Connecticut Mutual has returned te its policy holders and their beneficiaries 98.86 per cent of all it has recelved from them: what jt has returned and the as- gets it still holds for the security of its contracts are 128.98 per cent of what it has received for them; and its expenses of management for all that time have beer but 9.13 per cent of its total income. It is the simple fact that no Americar company matches this record. And it i this record of the past, the present main- tenance of the conditions which made It possible, and a financial condition of un- usual soundness and strength, that we offer as the best p?:“a;gasms‘u o ture. Respec e TACOR I. GREE: NE, President. January 21, 1902 taunted her with not being able to se- cure the money from Long, who, it ap- pears, had also paid her some attention. During the evening she declares Dono- hue robbed the old man and then com- lled her to start with him across a ridge over the Kaw. While in the mid- dle of the bridge ..e man, she asserts, caught up with them, held Long and or- dered her to hurry on and not turn back. A moment later she heard a splash, she says, and knew that they had thrown Long into the water. Donohue, Dave Moran, a nephew of the missing man, and the Taylor woman were arrested on Tuesday last and Goff was taken to-day after she had made the confession. All live in the bottoms al the river. Last night Moran attempt to commit suicide by trying to cut an ar- tery in his wrist. The nature of the charge against Moran is rfot known. On the day before Long disappeared Argentine was furnished another mys- tery in_the finding in his hut of the dead bedy of Thomas Carroll, 6 years of age. who had lived alone for years. He was known to have had considerable money and wounds on his head made it appear that he had been murdered by robbers. No clew to his assailants has been George Zimmerman, Donohue, who was infatuated | found. Following this, ACCIDENT IN CHURCH Thirty Persons Injured in a Disastes in Ome of the Towns in . .Colombia. PANAMA, Feb. 9.—An accident in the Church of Horeneitos, in Chiriqui. result ‘ed in the death of thirteen persons ané the severe wounding of thirty otaers. @ il aged 63 years, a farmer, was found dea¢ in his home, where he had lived alone six_miles west of Argentine. The body was frozen stff. The Coroner, however decided that Zimmerman's death was dur to heart disease. s RN Gy Nothing Is “Just as Good” as S. H. & M. If it was, other binding: would sell as well. > —— e — During 1881 and 1382 the European imy migration to the United States reached it: maximum and amounted to 730,000 persons o3 e R T e o, SHeee