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a" <, . .4!” @rve or Emergency fund . . . . . . $3,371,303.50 “a” w. J. McMURTRv. ' 'of the death claims department: Frederick A. MUTUAL ‘ PRINCIPLES. of the Mutual Reserve Fund Life Asseeietien. .. fl 3 E. B. Harper, President. 3‘ â€".-.. "it A RELIABLE COMPANY. '2, . . . . . . . . . . 2,705,000.00 th c‘aims paid . . . . . . . . . . . . $t,t 00,000.00 ._. p w B U. '6 an ,.. a. w 5 H m o MANAGER FOR ONTARIO. MAIL BUILDINGS, TORONTO. .â€" The Mutual Reserve Fund Life Associatiun he‘d its twelfth annual meeting in New York on \Vednesday, the 25th of J an.. in the business ofllces of the institution in the Potter building. and the gathering was one of the largest. in the history of the association. The reports also were of a. highly satisfactory character, show- ing as they did that progress had been made in every department. _ When the call for the meeting had been read President Harper arose to deliver his annual address, and lie wasroundly applauded’ by those present. President Harper’s report was for the year ended Dec. 31. and showed that the insurance in force had increased from $7,633,000 in 1881 to $236,121,700 in 1892, and the cash and invested assets from $6,024 to $3,690,592. The report says :â€"~ “ “’0 have increased our gross assets during the year 1802 from $349,202.09 to $4,785,286.06, making a net gain of $435,083.97. “We have increased our reserve or surplus emergency fund witl‘in the past year from 533.155.220.91 to $371,303.59, making a not iii- crease of $216,082.65. “The income during the year 1892 from all sources amounted to $4,097,213.09. against an incon‘e of $3,701,126.41 for the year 1:91. making a net increase for the year of $393,116.68. “ For the year 1892 we have paid in death claims to the widows, orphans and representa- tives of deceased members "2,702,337.04, while «our disbursements for death claims in 1891 were 532.290.108.80, making a net increase of disbursements to the widows and orphans over the previous year of $112,228.24. and making a grand total of death claims paid of nearly $15.000,000, being: an average yearly disbursement to the widows, orphans and representatives of our deceased members of nearly $1,250,000. while at the close of the year we had in our reserve emergency fund $5,000 for each $1,000 of outstanding death claims of: every nature. and a single mortuary call now produces more than half amillion dollars. Special attention was directed to the fact which illustrated the great economic principles underlying the system of the Mutual Reserve. that the total gross mortuary premiums paid by the members during the year 1892 were $3,041,740.93. Of this sum, $216,000 were added to the reserve or emergency ft nd, while the amount paid to the widows and orphans exâ€" ceeded $2,700,000, or a sum within a fraction of the amount of the total mortuary premiums paid by the members for the year 1892. Equally interesting and satisfactory reports were received from lion. Henry J. Reinmund, second vice-president, and exâ€"superintendent of, insurance of the state of Ohio; John W. Vrooman, treasurer: 0. 1). Baldwin, chairman Burnham, counsel of the association ; J. Doug- las Wells, third vice-president, and the some tary, Mr. F. '1‘. Branian. . The following gentlemen were voted aper- sonal testimonial by the board of directors or the association for the faithfulness, devotion and loyalty which they displayed in behalf of the association, namely : E. M. Castillo, New York city. '1‘. H. Jones, Atlanta, Ca. \V. J. McMurtry, Toronto. Canada. G. A. Sanderson, Kansas City, Mo. E. M. Acevedo. Havana, Cuba. . A. R. McNichol, \Vinnireg, Manitoba. C. M. Oakley, San Francisco, Cal. C. B. VVolfson, New Orleans. La. ' W. J.‘ Murray, Brooklin, Canada. I J.dJ. Rooney, Birmingham, Warwick, Eng- an . After the announcement of the names of the prize winners the speeclimaking began. A number of ringing addresses were made by Hon. Henry L. Lamb of Lansingburgh, Gen. 1H. Shields ofPhiladclphia. and I).E. Cameron, Dcputy-Treas., Province of Ontario. We here- with give a synopsis of Mr. Cameron‘s speech. After a few preliminary remarks hc expressâ€" ed his deep interest in the proceedings of the afternoon. He was much impressed openness with which everything was done, with the fullness of the information afforded to policy holders and members, with the em th‘usiasm displayed, and with the wonderful growth of the association. The $60,000,000 of new business obtained during the past year meant $200,000 a day for each of the 300 workâ€" ing days of the year, and the contemplation of these figures would give the members some idea of the enormous labor entailed upon the management in attending promptly to this, vast business in all its details. The results, not ieved in the Dominion are especially gratin fyimr. ()t the $16,500,000 of foreign business 0‘ i“ ‘ '1 mine: the year Canada contributed {1.520.001}. or nearly-one third of the \vliole.:uid amountcxccemug that written D) any 0| our Home Companies With one or two exception?» and the Mutual Reserve has tot ay in force in Canada a. larger amount of insurance than any of our Home Comapnics with two or three exceptions. When it is considered that these results have been achieved by the Mutual Reserve with its ordinary staff of agents. while the Home Companies have all the prestige and advantage of magnificent liead offices with influential boards of directors, it surely speaks volumes not only for the energy of the management of the association, but. also for the confidence of the people of the Dominion in its stability and success. As in former years scandalous attacks, by anonymous circu- lari and otherwise, in the interest, and doubtless at the instigation of jealous and unscrupulous rivals have been made upon the Association. The old line insurance journals have likewise maintained their unfriendly at- titude towards the Association. but the answer of the public has been $60,000,000 of new business for 1892. and the evidences of increasing popu- lar confidence in the soundness of the principles and the excellence of the methods of this beiielicient institution. 'I‘hesc attacks have, of course, their origin in the fact; that the Mutual Reserve ofl‘ers life insurance at enormously reduced rates as compared with the old line Companies, a fact that the insuring public are not slow to appreciate. 'l‘he splendid success of the Company is due in a great measure to the indomitable energy and great ability of President Harper, who has laid its foundation so strong and deep. and has associated with him such able,cxperienccd and devoted nien,to whom lichas imparted his enthusiasm, and .to some extent, his other high qualities, that its career of progress and prosperity will undoubt- edly be maintained and before many decades go by this Association is bound to become one of the greatest, it'noe the greatest. insurance con - panics in the world. Mr. Cameron (oncluded =.iis stirring address with a resolution of con. ‘Iidence on behalf of the Canadian olicy-li 1d- ers, which was seconded by Mr. V in. \Vilson, the well-known manufacturer of Toronto. W Insurance. The Mail last week had a comprehensive article on the fires of 1892, in Canada, the United States, and Newfoundland, com- piled from the statements of the companies. The losses were pretty well spread over the country, and included nearly all descriptions of risks. On the large lines, such as business ' blocks, great manufactories, the force of the loss is usually broken by reinsurance. The same is true of districts in towns and cities in which there were many policy-holders of one company. A company that takes a risk for a very large amount on a valuable bailding. or several risks in the same neighborhood of 9. loge, etc., with the - public build- town or city, seldom confines the whole responsibility to itself. It divides the risk by reinsuring parts of it in other companies, so that in case of fire the heavy claim will not fall on itself. This system of rear columns distributes the loss in the same way as if it had been originally insured by several comp one. This is one of the results of the forma- tion of the Board of Underwriters. The losses of 1892 would have been they had in all cases spent their force where struck. But the great volume of them they brunt of the whole anies instead of by very desolating if ultimately broke against the solid funds of the insurance companies, which were strong enough to stand the shock and to make a. very good showing at the year’s end. If the losses had in all cases remained with the owners of the destroyed property, their results would now be very prominently re- flected in the condition of many sections of the country. Fires destroyed big patches of avenues of trade. ruin would seldom be several towns and villages, burning indus- trial works that employed scores of hands whose pay coursed throng effect would be far-reaching: and lasting. The narrow margin of is more and more felt very large proportion of on their real estate. who buy on time are certain limit. increase of insurance cities. merit. makes their influence in ed protection hard to re companies, after their John’s Newfoundland, the country. Inspection is now more quirements higher. Thus the self becoming the custom to of Underv riters before other large structures, secure cheap insurance. causes is probably great tires on which insuranc down by the companies superfluous barns get on from unknown causes w Lightning figures as a leading cause in the fires of last year. It usu from S to 10 per cent. country districts, but last year’s numerous thunderstorms raised the proportion of loss per cent. of Electricit to about 20 Itural parts. ‘ applications as power, light, and heat is a. that is carefully watched and so far it has not proportion of damage here as in the United States. source of danger ‘ by the inspectors, done so large a light company is under Board of Underwriters spector of each district a. plant, the report to be regardless of the fact whether the owner able in all lines of production makes the retrievement of loss a much more (litficult thing than it used to be, and fire insurance Insurance has also followed in the wake of the mortgage and of mercantile debt. A tario are encumbered w citiesâ€"especially those that have been through ii. boomâ€"have like heavy burdens The mortgagces al- ways secure their interest ou such property by insuring the buildings. Retail mcrehan ts wholesalers, particularly of the grocery trade, to have their stock insured up to a Insurance is thus made an asset wherever it can be by creditors or thrifty civners of insurance property. an increase of fire protection in towns and The new combined insurance com- panies can raise the rates poor water supply or an inferior fire equip< The more the companies have to do, the more it is to their interest to insist on protection, and their pOWer over the rates put on an additional rate to insure the con- fiagatiou risk in Halifax and the Maritime Provinces generally, on account of the large number of wooden buildings in that part of There is a leaning towards an advance, too, on the part of Canadian com- panies in the rates now charged in Montreal, Ottawa, Hamilton, Brantford, and London. it was, and for the same reason that the re- of first-class protection are writers works for the general good, of the non-insured as well as of the insured. suggestions as to the best fire protection to The number of fires assigned to unknown of these files of myster the sake of the insurance. profit now obtain- to be a. necessity. the farms of On- ith mortgages ; the required by some The is attended by on towns with a. favour of improv- sist. The English experience in St. have concluded to thorough ti i ever -interest of under- It is consult the Board building blocks or in order to get its er than all the other e is claimed. Half ious origin are set to incendiarisni for Old houses or fire very frequently hen times are hard. ally is credited with of the fires in the the total in agricul- -y in its numerous Every electric agreement with the to report to the in- in which it puts in of the plant is or is not insured, and the electric companies are further under agreement to make every- thing satisfactory to the underwr' ers’ elec- Tlie chief objection of nsuranee tricians. companies is to the wires used for electric purposes. These. inter ere with the fire- men; About three weeks ago a fire in Montreal destroyed from two to three liuii- drcd thousand dollars’ worth of property, mainly because it was fortified behind a net- work of wires. The insurance people want all wires to be put underground, and as they have enormous interests at stake their wishes may prevail. blamed for a very large fires. Coal oil lanterns are proportion of burn With all the improvements that have been made .in lanterns there is no re- duction in the losses from them. _______...oâ€"â€"â€"â€"â€"â€"â€"- Afraid of the (ERIE. Mr. Thurston, who has been engineering the annexation o thinks that England an E Haw d the C. P. R. desire to get control of the island. He says that with Kainlani, who is the daughter of an Englishman, on the throne, the British would soon have, an undue influence, and adds 2â€"“ The Canadian Pacific Railway is now making arrangeme nts to run a line of subsidized steamers to Australia, by way of Honolulu, to be immediately “'itli English control of telegraph cable. followed by a the Government and an easily corruptible Legislature, it would b e an easy matter to throw the subsidies now paid by Hawaii to American steam lines a offered to an American tional ability to offer cheap labour from Indi land. matic move, if the obje position ; but there is tion of the islands. human nature. nd the subsidy new cable into the hands of their Canadian allies; and with the addi- _the sugar planters a, it would be but a. few years before the whole trend of island sentiment and association would be away from the United States and toward Eng- .It is well to consider that not only the Canadian, but the New Zealaud and Australian Governments, have protested to their home Government against the propos- ed annexation of Hawaii. moment it is English policy to remain quies- cent ; it certainly has been a most diplo- At the present ct was to prevent an- nexation, for nothing‘would have so united American sentiment as England’s open op- no guarantee that such will continue to be England’s policy.” Mr. Thurston is trying to stir up the cupid- ity of Americans by persuading them that they have a financial interest in the annexa- He a student of make J can Ingelow poet laureate. Ingelow is unquestionably a. and just now poets of fine gifts are extreme 1y few in England. If the matter were t« be decided solely upon the merits there is ii- reason why Miss Ingelow should not stand as good a chance as any of the male aspir» ants for the honor. stand that Miss Willard’s suggestion is made upon the ground of merit. Ingelow made poet laureate not because she is a poet but because she is a. woman. thinks women have been slighted and put upon, as it were, never was a. female Britain, and Miss W'illard wants the Queen to make one by way of asserting the dignity of womanhood. The suggestion raises the question. this post? that no woman has ever been the foremost English _ an the 100311 J for which nobody in particular seems to be \Vithout insurance such responsible_ repaired, and the women have never ranked very high as poets. anything like the place they have made for themselves in literature. the world have been the work of womenâ€"â€" George Eliot, Bronte, Mme. D’Arblay, Mrs. Stowe and the rest. workinanlike English fiction of our time has been done by women. essays from women and fine work of other kinds. But there have been very few wom- en who have taken high rank as poets. From Sappho to poetry and nearly mature in the world was produced, yet period worthy to rank with either Sappho or Mrs. Browning, While Mrs. Browning’u rank has undoubtedly borrowed something from the fact that as a female poet of high quality she stood so nearly alone. eminence serves only to emphasize the rarity of great is surprising at first glance that this should would naturally expect tive and emotional sex to Win its best ‘ But women have done Write to William Briggs. Publisher. Toronto relatively better in other walks of litera- ture and art. laurels in verse. i aii at \Vashing‘ton, l A Suggestion from Miss Willard. Miss \Villard wants Queen Victoria ti Jeni poet of fine gift: But we do not under- Slie wants J eai. She in this matter. There poet laureate in Great Why has no woman ever held A sufficient answer seems to be poet of her time, and that; is a. fact It is curious but true that They have never won in that field other departments oi Some of the greatest novels in George Sand, Charlotte The greater part of the clever. \Ve have had fine Mrs. Browning is a. long stretch of time. BctWeen these two lies the period in which almost all the great all the great lit- there has been no female poet in all that Her poetic achievement by women. It be the record of literary history. One the more senSi- M. A laugh is worth a. hundred groans in any market. It was Ben Johnson, we believe, who, when asked Mallock’s question, “ Is life worth living ‘2” replied, “ That depends on the liver.” And Ben Johnson doubtless saw the double point to the pun. The liver activeâ€"squickâ€"life rosy, everything bright, mountains of trouble melt like mountains of snow. The liver sluggishâ€"life dull, everything blue, moleliills of worry rise into mountains of anxiety, and as a resultâ€"sick headache, dizziness, constipation. Two ways are open. Cure permanently, or re- lieve temporarily. Take a. pill and suffer, or take a pill and get well. Shock the sys- tem by an overdose, or coax it by a mild, pleasant way. Dr. Pierce’s Pleasant Pellets are the mild means. They work effectively, without pain, and leave the system strong. One little, sugar-coated pellet is enough, al- though a. whole vial costs but 25 cents. Mild, gentle, soothing and healing is Dr. Sagc’s Catarrh Remedy. Only 50 cents; by (11311 ggists. _*_â€"â€"â€"â€"-â€" I never was ruined but twiceâ€"once when I gained a lawsuit, and once when I lost one. Dr. Harvey’s Souihern Red Pine for coughs and colds is the most reliable anr perfect cough medicine in the market. Fod sale everywhere. ‘he effective public speaker receives from his audience in a. vapor what he pours back on them in a flood. mesons! TOOTHAGHE GUM acts as a temporary titling, and stops toothache instat- ly. Sold by druggists. it would cure many a nervous lady if she had to work for her living, and many a dys- peptic man would be well if he lived upon sixpence a day and earned it. A. P'. 64.9 Me's. Mom of Piqua, 0., says the Pliy< sieimis are Astonislied, and look at her like one _ not trail the Dead Long and Terrible illness from Blood Poisoning Completely Cured by Hood’s Sarsapai'iua. Mrs. Mary E. O‘Fallon, a. very intelligent lady of 1’iqua, Ohio, was poisoned while as- sisting physicians at an autopsy 5 years ago, and soon terrible ulcers broke out on her head, arms, tongue and throat. Her hair all came out. She weighed but 78 lbs., and saw no prospect of help. At last she began to take llood‘s Sarsaparilla and at once im- proved; could soon get out of bed and walk. She says: “ i became perfectly cured by Hood’s Sarsaparilla and am now a well woman. I weigh 1281bs., eat well and do the work for a large family. My case seems a wonderful recovery and pliniciaps look at_me in astonishment, as almost like one raised front the dead.” HOOD'S PILLS should be in every family medicine chest. 02:: used. 2.17:2:3 prof-sued. virtues. Throat. For a Lamp Side, Back 07: Chest Shiloh's Porous Plaster wall glue great satisfaction.â€"25 cents. and Cure you. Price 500145. This Injector for its successful treatment Bliiloh’s Remedies are sol on a. guarantee F0.“ SilliSt‘Rll'TlON BOOKS, L. the Hypophosphites of Lime f Siitl'crer. 2301‘. M. C.,186 Wes: Adelaide Street, Toronto. 'Ont matic Shading 3 cent stamp for postage. V Penmanship Supplies. Address \\ A. T110 MP- SON, Box 528. Toronto. Ont. . FROM COLDS, Another Speculator Gone. 6 By the death of Rufus Hatch another iame is added to the roll of departed. ‘Napoleons of finance,” who, in their day, .vorked wonders in the magic precincts of Wall street. be greatest of his contemporaries in specu- ation, but he nevertheless cut a pretty con- :iderabl: figure. longed to that class of speculators who, like gamblers, have great daring and surprising ;ood luck with occasional strokes of ill for- Lune wliich,as in his case, finally leave them about as may be attributed to defective judgment, for the careers of other men who operated on “full street at the same time that Hatch made and lost his millions show that cool- ness of judgment is the prime factor of suc- cess there as elsewhere. Hatch, however, was a true representative of the vast major- ity of speculators,whose fate is to lose more in the end than they gain. The phenomenal success of the Vandcrbuilts, the Goulds and i1. few others is the exception, and instead of encouraging men to gamble in stocks should ate relief, as Chuck-6113’ warn them to keep away from a. business which requires peculiar intellectual endow- ments and those bf a sort which do not al- ways conduce to happiness or public to- rpect. Hatch never took rank with He seemed to have be- poor as when they started. This M“..- «i «'70.» “Mr Humility is the solid foundation of all the Cures Consumption, Coughs, Group, Sore Sold by all Dmggists on a. Guarantee. I ‘3 Have you Catarrh? This Remedy will relieve free. Remember. [WHEELS AND Al.lIH7)IS, ACUTE or CHRONIC, , Can be cured by the use of -'- of pure Cod Liver Oi1,with ' and Soda. Afceblc stomach , takes kindly to it, and its 1 continued use adds flesh, and ' makes one feel strong and well. ’ “C AUTIOK."â€"Beware of substitutes: Gennin a prepared by Scott .13 Bowne. Belleville. Sold. by all druggists. 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