ax m THE CHRONICLE ALMANAC. Entered according to Act of Congress, in tic year 1877, by J. J. W. O’Donoghue. in the Office of tho Librarian of Congress, at Washington, D. C. 1878 . NEW YORK. OFFICE, 145 BROAD AY AT. 2 THE CHRONICLE ALMANAC. ESTABLISHED 1866. THE CHRONICLE A WEEKLY INSURANCE JOURNAL, Issued every Thursday. JOHN J. W. O’DONOGHUE, Editor. OFFICE, 146 BROADWAY, NEW YORK. Subscription, Three Dollars Per Year. The Chronicle, being issued weekly, gives to its readers the current news of the insurance business while it is news. In the columns of The Chronicle, from time to time, will be found varied and practical information, valuable to the local agent as to the general agent, to the local company as to the agency company, and instructive to the general public , as well. In The Chronicle, candid, fair and independent criticism and discussion of companies and men as they are, and of subjects as they arise, will be made when occasion occurs for such. The Chronicle, each alternate week, contains a full page cartoon, picturing men and events of particular and general interest in the insurance profession. In The Chronicle, tables are published once a month, giving the losses each day by fire in the United States and Canadas ; the losses thereby to Insurance Companies, the losses by Special Hazards, and the losses thereby to Insurance Companies ; also, a detailed list of the Special Hazards burned and the number of each during the month, with recapitulations and summaries thereof. These tables containing as they do, the mortuary statistics of risks are most valuable to Insurance Companies and Agents. In The Chronicle the reader will continue to find statistical and tabular in- formation relating to the various branches of insurance business, fire, life, marine, accident, &c. The Chronicle has been, and is, and is to be, a live, independent and critical newspaper, proving all things by the test of truth and reason, and holding so fast to what is good that it never loses its grip ; giving to its readers each week the news of the week, with appropriate comments thereon. A child is laughed at when it tries to catch a shadow, and yei grown persons grasp at and capture but lit He else in this world. Irt/l THE CHRONICLE ALMANAC. '3 s A fl o | JANUARY, 1878. Losses by Fires . in the United a. States each dny 0 1 o >> ci ft tZ o CHRONOLOGICAL RECORD 0E NOTABLE EVENTS, of January, 1877. J Total. lnsUo’s 1 1 Tu. 1810 — At East Haddam, Connecticut, nine young ladies married, being all who were at that time marriageable in the town. 1618— Murillo, the greatest of Spanish painters, born. 1801— Union of Great Britain with Ireland. $143,600 $89,000, 2 2 Wd. 1788 — Georgia ratified the Constitution of the United States. 176,100 116, 200' 3 3 Th. 1661 — First appearance of women on the English stage. 259,500 117,300 4 4 Fr. 1784 — Treaty signed between United States and Great Britain ; 235,500 114,900, by which the latter relinquished her right to the sovereignty of the colonies. 5 5 Sat. 1855— The Victoria bridge across the river St. Lawrence, carried away by the ice. 162,500 92,600 1 6 6 Sun 1402 — Joan of Arc, born. 1841 — Great freshet in the Hudson, 119,500 72,500 7 7 Mo. 1782 — The Bank of North America — the first regularly established bank in America — opened for business in Philadelphia. 116,900 55,900 | 8 8 Tu. 1815 — Battle of New Orleans. 1642 — Galileo Galilei died, aged 78 225,800 118,400 9 9 Wd. 1788 — Connecticut, the fifth State which adopted the Constitution. 174,900 113,600 10 10 Th. 1776— The New Hampshire convention dissolved itself, and assumed 139,400 96,000 legislative powers, chose twelve councillors, as an executive branch, and delegates to Congress, which were recognized. 1791 — Vermont, last of the original States, adopted the Constitution. 11 11 Fri. 1775 — First Provincial Congress of South Carolina, met at Charleston 111,800 61.300 12 12 Sat. 1807 — At Leyden, Holland, a ship containing 40,000 pounds of pow- 150,900 98,800 der, blew up. Over 200 buildings destroyed, 150 persons killed, 200 wounded. 13 13 Sun 1817 — The ship Gcorgiana, of Norfolk, experienced a tremendous shock in the Gulf Stream, supposed to be an earthquake; the day was calm. 249,700 178,500 14 14 Mo. 1784 — Definitive treaty of peace ratified with Great Britain. 178,000 107,900 15 15 Tu. 1777 — Vermont declared itself a free and independent State. 167,700 92,400 16 16 Wd. 1782— Daniel Webster born. 1816— Schuylkill Falls bridge fell. 161,300 115,500 1580 — The English Parliament passed an act inflicting a penalty of £20 for absenting from church. 17 17 Th. 1817— At Philadelphia and Albany, the singular phenomena of 153,400 65,000 snow, clear weather, rain, snow, thunder and lightning, hail and snow, observed in rapid succession. ! 18 18 Fri 1781— Soldiers of the United States revolt. 98,700 49.300 19 19 Sat. 1796 — The brass coffin containing the remains of Columbus, and the chains with which he had been loaded at Cuba, were removed from San Domingo to Havana. 153,400 93,000 20 20 Sun 1783 — Independence of the U. S. acknowledged by Great Britian. 223,800 154,500 21 21 Mo. 1793 — Louis XIV beheaded at Paris, aged 38. 99,300 62,300 22 22 Tu. 1265 — First English parliament constituted by members from oounties met. 102,700 63,000 | 23 23 Wd. 1841 — First conviction and capital sentenoe of a female at Phila- delphia. 182,000 120. 600^ 24 24 Th. 1779 — Lafayette returned to France. 156,000 107,900 25 25 Fri. 1759 — Robert Burns born. 251 700 124,600 26 26 Sat. 1823 — Dr. Jenner, celebrated for having introduced the practice of vaccination, died. 1837 — Michigan admitted to the Union. 454,000 239,700 27 27 Sun 1696— The first great ship built in England, the Royal Sovereign, 151,700 96,500 burnt; the levies of money for building this ship caused a rebel- 28 28 Mo. 1858 — Thomas Carn died in London, aged 207; his age said to be well authenticated. 242,600 207,000 29 29 Tu. 1861 — Kansas admitted into the Union. 1820 — George III, King of England, died. 98,900 41,000 30 30 Wd. 1834 — Attempt to assassinate Pres’t Jackson, by Richard Laurence. 113,900 75,000 31 31 Th. 1574 — Ben. Johnson born. 1606— Guido Fawkes of gunpowder plot fame executed. 105,502 53,000 INSURANCE STATISTICS FOR JANUARY, 1877. FIRE. | LIFE. Lobb by Special Hazards during month, $3,525,300 | Number of Life Insurance Policies Lobs to Ins. Companies by Specials, . 1,975,300 1 that became claims during month. Total Loss by Fires during month, . 5,360,300 Amount paid by Life Ins. Companies 900 Total Loss to Ins. Cos. during month, 3,191,900 j for death claims during month, . $2,470,187 Where the eyes sav one thing and the tongue another, a practiced man relies on the language of the first. If the man is cff his centre Lis eyes show it. ? 29393 THE CHRONICLE ALMANAC. NIAGARA Fir© Insurance Company, No. 201 BROADWAY, NEW YORK. CASH ASSETS - - $1,442,445.50. Statement, January 1st, 1877. Cash Value of Assets, ..... $1,4-4-2,445.50 ASSETS. United States Bonds, Market Value, State and City Bonds, “ “ Loan* secured by Bond and Mortgage Loans on Demand, with Collaterals Real Estate .... Premiums in course of Collection Cash in Bank and Office $699,600.00 250.591.00 133.401.00 180.655.00 14,000.00 97,342,00 66,856.50 $1,442,4-4-5.50 LIABILITIES. Capital Stock Reserve for Reinsurance Unpaid Losses and all other Liabilities Net Surplus .... 500,000.00 341.401.00 94,107.50 506.937.00 $1,442,445.50 HENRY A. HOWE, President. P. NOTMAN, Vice-President and Secretary. Central Department — For States of Ohio, Indiana, Kentucy, Tenessee and West Virginia. Messrs. SNIDER <& LINDSEY, Managers, CINCINNATI, Ohio. Northwestern Department — For States of Illinois, Wisconsin, Minnesota, Iowa, Miss 'uri, Nebraska, Kansas and the Territories. Messrs BEVERIDGE <£ HARRIS, Manag's CHICAGO. L. R. MORRIS, Manager, State of Michigan. Truth fears nothing but concealment. THE CHRONICLE ALMANAC. 5 FEBRUARY, 1878. CHRONOLOGICAL RECORD OF NOTABLE EVENTS. Losses 1)7 Fires in the United States each day of February, 1S77. 23. Sat. 24 Sun 25 1 Mo. 26 Tu. 1708— Captain Rogers discovered Alexander Selkirk (Robinson Cru- soe) on the Island of Juan Fernandez, where he had lived lour years. 1653 — New York City incorporated. 1770 — Tom Paine died. 1783 — . he ratification of the preliminary articles of peace ex- changed at Paris 1783 — Cessation of hostilities between England and America — revolutionary war concluded. 1791 — Kentucky admitted to the Union. 1814 — Ico formed on the Thames at London, aud a fair was hel l on it for eight days. 1783 — Massachusetts joined the Union, being the sixth State. 1847 —Suspension of specie paymen s by the Penn. Bank of the U. S., followed by that of nearly all other banks in the country. 1756— Aarou Burr born at Newark, N. J. 1777 — Great Britain granted lett- rs of marque and reprisal against America. 1778— New York acceded to the confederation. 1451 — The Jews place the dea h of M ses on this day. 1724— Peter the Great, Emperor of Russ a, died. 1820 — George Cowley, colored doorkeeper of the capitol at Richmond, Va., died, aged 125 years. 1764 — The city of New York surrendered to the British by the Dutch Governor, Anthony Colve. 1773 — James Fartho i died at Grenada, West Indies, aged 127 years. 1786 — Cardinal de Solis, Andalusia, Spa n. died, aged 110 years. 1807 — The British House of Lords abolished slavery. 1828 — De Witt Clinton die l in Albany, aged 59 years. 1747 — Kosciusko, the Polish patriot, born. 1727 — Cotton Mather died, aged 69 years. 1779 — Captain James Cooke, the Engl sh navigator, killed by the natives of Owhyhee. 1780 — William Blackst ne, author of “ Com- mentaries on the Laws of England,” died, aged 57. 1859 — Oregon admitted as a state into the Union. 1793— Rome d dared a Republic. 1852— Homoeopathic College, Cleveland, mobbed and destroyed. Cause: body-snatching. 1835 — Five volcanoes burst simultaneously in Central America, destroying three towns and many villages. 1546 — Martin Luther died at Wittemberg, aged 63 ye^rs. 1791 — Vermont joined the Union. 1815 — Treaty of peace between England aud America ratified. 1821 — Florida ce ed to the United States by Spain. 1846 — The fir£d and the latter something less. 1841 — The first daily paper started in Brooklyn. 1821 — Missouri admitted to the Union. 1634 — First colony of 200 Roman Catholics arrived at Potomac for 71,600 38,900 63 4 Mo. the settlement of Maryland, under Lord Baltimore. 1845— Florida admitted into the Union. 1845 — Iowa admitted to the Union. 1847 — Wisconsin admitted to the Union. 1820 — Maine admitted to the Union. 1681— Charter of Pennsylvania signed by Charles II. 1789— First 699,900 603,200 64 5 Tu. U. S. Congress assembled at New York. 1856 — The Free State Legis- lature of Kansas assembled at Topeka. 1770 — Massacre at Boston. 79,900 56,000 65 6 Wd. 1854 — Block of marble sent by the Pope as a contribution to Wash- 842,100 83,900 66 7 Th. ington’s monument, secretly destroyed at night. 1781 — A British soldier jumped over the Palisades at Gibraltar, and 192,000 110,100 67 8 Fri. succeeded in reaching the Spanish lines, waving his hat, although 1,143 musket balls were fired at him. 1766 — Bill repealing American Stamp Act received the Royal assent. 237,300 145,900 68 9 Sat. 1834 — First snow in 240 years fell at Rome. 89,500 53,800 69 10 Sun 1683 — First Assembly of Pennsylvania met at Chester. 1797 — 115,300 70,200 70 11 Mo. Albany made Capital of New York State. 1797— Ladies Buckingham, Luttrell and Stewart fined for playing 275,100 177,600 71 12 Tu. faro in London, on evidence of discharged servants. 1612 — Third Charter of Virginia granted. 1664 — New York, New 85,500 58,700 72 13 Wd. Jersey and Long Island granted to Duke of York, by his brother, Charles II. 1798 — A hairdresser at Newport, Eng., died from gluttony, for which 275,200 193,500 73 14 Th. he was buried in the highway. 1813 — Red snow and hail, with red rain and dust, fell in Tuscany. 63,500 43,100 74 15 Fri. 1855 — Suspension Bridge, Niagara Falls, crossed first time by a train. 1820 — Maine entered the Union. 229,600 99,500 75 16 Sat. 1680— First Assembly of New Hampshire met at Portsmouth. 1691 111,200 40,900 76 17 Sun — Execution of Jacob Leisler, Governor of N. Y., by malcontents. 1802— Military institution established at West Point. 1808— Rupture of negotiations at Washington between the British 70,200 27,800 77 18 Mo. Minister and the American Government. 1754 — First theatre established in New York closed. 1780— Con- 270,400 120,300 78 19 Tu. gress resolved to burn all Continental money and issue $10,000,000 new money, redeemable in specie in six years. 1719— Extraordinary meteor seen in Great Britain about 8 P. M., its 94,700 55,200 79 20 Wd. light exceeding that of the sun at noonday. 1727 — Isaac Newton, philosopher, died, aged 84 years. 107,800 66,100 80 21 Th. 1845 — Benjamin Bushe died at Greensport, Vt., aged 115 years. 99,600 71,000 81 22 Fri. 1832 — Goethe died, aged 83. 1864- -Nevada admitted to the Union. 138,800 59,000 82 23 Sat. ^ 1776— Congress issued letters of marque and reprisal against Eng- 213,000j , 91,900 83 24 Sun 1782 — Spain acknowledged the independence of the U. S. 217,400 99,300 84 25 Mo. 1691 — Printing ordered to be introduced into New York. 1751 — 122,700 73,900 85 26 Tu. The vear made to commence on Jauuary 1st, in England. 1699 — A whale, 56 feet long, killed in the Thames. 75,800 42,700 86 27 Wd. 1809 — Eruption of Mount iEtna. 217,700 115,900 87 28 Th. 1799 — New York passes a law for the gradual abolition of slavery. 204,500 111,100 88 29 Fri. 1783— A hill, 500 feet in height, carried tour miles by the great 232,700 140,800 89 30 Sat. Calabrian earthquake. 1794— J. B. V. Guillotine, supposed inventor of the guillotine, beheaded at Lyons, with his own invention. 1638 — New Haven, Conn., first settled. 1834— Rudolph Acker- 260,200 148,100 90 31 Sun man, who first introduced lithography and gas into London, died. 1851 — John C. Calhoun died, aged 68. 155,900 77,300 INSURANCE STATISTICS FOR MARCH, 1877. FIRE. 1 LIFE. Loss by Spec’l Hazards during month. $4,421,500 Number of Life Insurance Policies Loss to Ins. Companies by Specials . . 2.624,400 I that became claims during month. 1,022 'j otal Loss by fires during month 6,293,700 1 1 Amount paid by Life Ins. Companies Total loss by Ins. Cos. during month, 3,979.900 1 1 for death claims during month $2,610,043 What is the difference between a gaoler and a jeweler? One watches cells and the other sells | watches. THE CHRONICLE ALMANAC. 1825. THE 1877. Pennsylvania Fire INSURANCE COMPANY OF PHILADELPHIA. 510 WALNUT STREET. CAPITAL paid in Cash, $ 400 , 000.00 Reserve for all Liabilities, (Including Reinsurance, 702 , 910. 55 Net Surplus, Total Assets, 508 , 988.60 $ 1 , 671 , 899.05 DIRECTORS: John Devereux, Isaac Hazlehurst, Thomas Smith. J. Gillingham Fell, Daniel Smith, Jr. Thomas Robins, Henry Lewis, Daniel Haddock, Jr. Franklin A. Comly. JOHN DEVEREUX, WM. G. CROWELL, . JOHN L. THOMPSON, President. . Secretary. Asst-Sec’y. It is always wise to prepare for the season’s business by judicious use of printer’s ink. An announcement in the newspaper helps trade wonderfully. Try it and see. THE CHRONICLE ALMANAC. 9 £ g S 04 £ APRIL, 1878. Losses by Fires in the United States each day o cj Q o Q o E? P CHRONOLOGICAL RECORD OF NOTABLE EVENTS. of April, 1877. I'OoJi'. . .m.Co'K 91 1 Mo 1764 A girl, aged 13, burned at Monmouth, for murdering her mistress, tuis being the last ex cution by burning in England. 1789 — Congress first meets un ter <• ed :ral Constitution. 1743_Thomas Jefferson, third President of the United States, born. $211,300 $99,600 92 2 Tu. 111,100 77,600 1 93 3 Wd 1763— All gibbets ne ir London secretly cut down. 142,900 85,500 94 4 Th. 1704 - -Boston i\em-Letter, first paper in the U. S . appeared. 1774 — Oliver Goldsmith d ed, aged 46. 1841— President Harrison died at Washiu-tou, aged 09 years. 401,300 214,700 95 5 Fri. 1330— The bill to remove tho civil disabilities of the Jews intro- duced into the Eriiisii Parliameut. 175J — The first Turkish ship arrived at London. 66,400 39,800 9G G Sat. 1353— Constitution of the, nev State of Deseret established by a peoples’ co ivem iou at Sait Lade City, Utah. 202,600 149,300 97 7 Sun 1334— Dublin Castle, Ireland, burned. 1783— Ohio first settled at Marietta by a colony from New England. 121,600 67,100 93 8 Mo. 1333— Drury Lane theatre issued first play-bill, play commencing at 3 P. M. 1812 — Louisiana entered the Union. 1379 — Bosnia,! Italy, suddenly sunk into the car li; 200 persons jierished. | 172,300 91,800 99 9 Tu. 1643— Abaltiou of holydayn created an insurr ■etio.i in London. 1 143,700 58,300 100 10 Wd. 1653— Oliver Cromwed, having turned out the Tory Parliament, locked the door t upon them 1816— Bank of tho U. S. incorporated by Congress with a capital of $35,000, 00. 335,300 152,200 101 11 Th. 1783— First Commencement of Columbia College, N. Y. 1317 — At Dartm or, Eng., a man publicly soid his wife, w.th a rope around her neck, to her first lover, lor tw > guineas. 929,100 528,800 102 12 Fri. 1733 —The first power loom worke i in Philadelphia. 200,400 107,100 103 13 Sat. 1783— Great riot i i hew York, occasioned Ly body-snatching. 1850 Pope Pius IX. Jeturned to ltome. 154,800 66,200 10, 14 Sun 1795 — First boat passed through the locks and canals of Merrimao river. 233,500 100,700 105 15 \lo. 1791 — First corner stone laid in District of Columbia, at Jones’ Point. 1323— Michofsky, a Kussiau farmer, died at Pleseow, aged 165 years. 1363 — President Liu min a isas iaated. 74,000 29,700 103 16 Tu. 1631— Province cf New Jersey off.-r df r sale at $25,000. 149,100 70,000 107 17 Wd. 1784— Universal religious equality created by law in New York. 183 »— The black Sea opene 1 1 > American v ssels. 78,700 43,800 103 18 Th. 1833 — New York General B inking Law enacted. 225,901 195,700 100 19 i Fri 1732--Ho’.land acknowledged the independence of the United States. 1824 — Lord Byron die 1 in Greece, aged 33. 126,400 67,800 110 20 Sat. 1777 — First Constitution of N. Y. State adopted. 1833— A meteoric shower observe 1 at Knoxville, Term. 83,600 57,100 in 21 Sun 1813— New York State Eibr iry established. 116.200 64,200 112 22 Mo. 1850— The last publication of the banns of marriage, in Massa- chusetts. 133,000 68,200 113 23 Tu. 1833 — The then largest steam packets. Great Western and Sirus, arrive Tin New York, forming a new era in navigation. 75,100 43,100 114 24 Wd. 1775 — John Quincy, Jr., d.e 1, ag u d 31 years. 111.900 53,100 115 25 Th. 1792— The first cr initial ex *cution by the guillotine, in Franco. 1849— The Parliament House and Library burned by a mob at Mon- treal. 143,000 69,700 116 26 Fri. 1331 — Impris nment for debt abolished in New York. 187,000 124 GOO 117 27 Sat. 1850 — The Atl mtic, first steamer of the Collins’ line, sailed for Liverpool. 63,400 41,200 118 28 Sun 1797 — Robert Park r hangid for burglary, at Knoxville, Tenn. 59,500 33,900 119 29 Mo. 1327 — Rufus King died, aged 72 years. 303,300 145,500 120 30 Tu. 1637— The Purit ms forbid by It yal Proclamation to emigrate to N-w England. 1816 — V soot on the sun visible with the naked c- c at Phila lelphia. 1354— The first railroal opened in Brazil. 1802 — Ohio a Emitted to the Union. 117,300 84,200 INSURANCE STATISTICS FOR APRIL, 1377. FIRE. I LIFE. LossbySpec’l Hazards during month, $3,585,000 Number of Life Insurance Policies Loss to Ins. Companies by Specials . . 1 084,000 1 tiiat became claims during month. 998 j otal Loss by fires during m nth 5,433,200 Amount p lid by Life Ins. Companies Total loss by Ius. Cos. during month. 3,341,700 I for d°ath 'dai r.s during month .... $2,510,537 AVe do not choose our own parts in life, and have notuiug to do with these parts. Our simple duty is confined to playing them well. io THE CHRONICLE ALMANAC. THE LI7ERP00L AND LONDON AND GLOBE INSURANCE COMPANY. G a pita l Paid up, $ 7 , 228, 200. 00. Fire Assets, • • $7,963,556.20 Fire Liabilities, • • 2,841,420.33 Fire Surplus, • • $5,122,135 87 Assets in the United States, $3,652,063.33 Liabilities, “ “ 1,837,396.44 Surplus, • • $1,814,666.89 'NEW YORK OFFICE; Ho. 45 WILLIAM ST., N. Y. Resident Manager, . . J. E. PULSFORD. Assistant Manager, . . ARTHUR PELL. Deputy Ass’t Manager, . CHARLES SEWELL. Use what talent you possess. The woods would be very silent if no bird sang there but those who can sing best. r THE CHRONICLE ALMANAC. n g {* o & ft |Day of Month. | |Day of Week, j MAY, 1878. Losses by Fires in the United States each day of May, 1877. CHRONOLOGICAL RECORD OF NOTABLE EVENTS. Total. Ins. Co’s 121 1 Wd. 1830 — The Comet started on her first trip up the Arkansai, being $247,000 $134,800 the first steamboat that ascended that river. 122 2 Th. 1856 — Charles Sumner savagely assaulted in the U. S. Senate by 211,900 82,600 Senator Preston Brooks, for speaking against slavery. 123 3 Fri. 1810 — Lord Byron swam the Dardanelles lrom Abydos to Sestos. 212,900 116,100 124 4 Sat. 1872— Horace Greeley nominated for the Presidency by the Cincin- 285,700 131,700 nati Convention. 125 5 Sun 1776 — Congress declared the authority of England over the Thir- 171,500 73,200 teen Colonies abolished. 1821 — Napoleon Bonaparte died at St. Helena, aged 52 years. 126 6 Mo. 1844 — Fearful riot at Philadelphia. 202,800 119,400 127 7 Tu. 1872— Chief Justice Chase died, aged 65 years. 58,600 35,300 128 8 Wd. 1816 — First U. S. Ship-of-the-line, the Washington, 74 guns put to 99,200 47,300 sea. 1848— Hail storm in Charleston, S. C., some stones being 7% inches in circumference. 129 9 Th. 1805 — Frederick Schiller, the German dramatist, died, aged 46 179,300 99,700 130 10 Fri. * 1649— Society formed in Massachusetts against wearing long hair. 156,900 78,900 1837 — All the New York City banks stopped specie payment. 1849 — The Macready-Forrest riot occurred in New York. 131 11 Sat. 1778 — William Pitt, the English statesman died, aged 70 years. 105,300 56,300 132 12 Sun 1621 — The first marriage occurred in the colony of Plymouth 133,200 96,600 133 13 Mo. 1781 — Roger Byrne, the Irish giant, 8 ft. high, and weighing 578 509,800 443,000 pounds, died. 1835 — Elizabeth Cook, wife of Captain Cook, the circumnavigator, died at London, aged 94. 134 14 Tu. 1731 — Boundary line between New York and Connecticut settled. 268,900 173,500 1826— Sing Sing prison, N. Y., commenced. 135 15 Wd. 1775 — Congress resolved to issue paper money. 1847 — Daniel 175,700 92,000 O’Connell, Irish statesman, died at Genoa, aged 71 years. 1855 — The Universal Industrial Exhibition opened at Paris by Louis Napoleon. 136 16 Th. 1838 — New York State Bank resumed specie payments. 245,900 80,700 137 17 Fri. 1841 — 250 feet of the defences of Quebec fell, killing thirty persons 202,400 103,700 and ruining several buildings. 138 18 Sat. 1773 — Boundary line between New York and Massachusetts settled. 88,900 44,400 139 19 Sun 1780— Dark day in New England; the people dined by candle light. 131,100 86,900 140 20 Mo. 1774 — The British Parliament passed an act transporting all Ameri- 114,400 48,200 cans to England for trial. 1800 — Bonaparte passed Mt. St. Bernard on his march across the Alps. 1820— Henry Grattan, the Irish statesman, died, aged 74 years. 141 21 Tu. 1804 — First interment in Pere la Chaise, Paris. 1855 — Ship canal 176,300 95,500 round the Falls of St. Mary’s River, Mich., completed. 142 22 Wd. 1819 — Steamer Savannah started from Savannah, (ja , for Liverpool, 255,100 155,200 on the first passage of the Atlantic attempted by steam, arriving iu Liverpool June 22d, having consumed her fuel in ten days. 143 23 Th. 1701 — Captain Kidd executed at London 1851 — Richard Lalor 129,700 47,600 Shiel, the Irish statesman and dramatist, died, aged 54 years. 144 24 Fri. 1775 — John Hancock elected President of Congress. 1833 — John 360,800 166,400 Randolph, of Roanoke, died, aged 60 years. 145 25 Sat. 1840 — Singular phenomenon in Lake Erie, at Toledo, the water ris- 99,000 62,300 ing four feet above its ordinary level in the space of a few hours during a calm. 146 26 Sun 1865— End of the Confederate war. 285,200 87,300 147 27 Mo. 1840 — Paganini, the great violinist, died, at Nice, aged 56 years. 109,300 46,000 1850 — The Mormon Temple of Nauvoo destroyed by a hurricane. 148 28 Tu. 1818 — First steamboat on Lake Erie ( Walk in the Water) launched 118,100 70,200 at Black Rock. 1843 — Noah Webster died, aged 85. 149 29 Wd. 1866 — General Winfield Scott died. 96,900 64,800 150 30 Th. 1804 — Jefferson created the District of Mobile. 322,900 104,300 151 31 Fri. 1839 — Great Western, steamship, arrived in New York from Bristol, 202,500 140,800 in 13 days 8 hour^, the shortest passage then across the Atlantic. INSURANCE STATISTICS FOR MAY, 1877. FIRE. LIFE. Loss by Spec’l Hazards during month, $4,390,200 Number of Life Insurance Policies Loss to Ins. Companies by Specials, . . . 2,303,800 that became claims during month. 1,001 Total loss by fires during month 5,957,200 Amount paid by Life Ins. Companies Total loss to Ins. Cos. during month, 3,184,700 for death claims during month, $2,548,350 “ What is the age of your little boy ?’’ inquired a venerable gentleman of the mother of an im- pertinent youngster. “The sauce age, of course ,” replied the mother. The sage saw it. i2 THE CHRONICLE ALMANAC. HOME INSURANCE COMPANY, COLUMBUS. Ohio. CAPITAL, $250,000.00 I TOTAL ASSETS, . $484,713.36 NET SURPLUS (after deducting Liabilities aud Reinsurance,! $113,862.36. STATEMENT JANUARY 1, 1877. Government Bonds, market value, ...... $102,800.77 Loans on first mortgage on improved real estate and interest accrued thereon, 129,298.77 Loans on collateral, ......... 43.963.17 Cash in Bank, ......... 4l)905)84 Reil Estate, unincumbered, ........ 34,50oloO First mortgage R. R. bonds, . . . . . * . 49,500.00 Cash in hauds of Agents aud in course of transmission, .... 53,150.85 City and township b' nds, ....... 15,980.00 Interest accrued on all loans other than mortgages, .... 5, 00.00 Due from other Comp . 1835 — Benj. Pritchard, the Kentucky Giant, died; weight 525 lbs. 101,600 76,400 INSURANCE STATIST FIRE. Loss by Spec’l Hazards during month, $3,988,200 ICS FOR JUNE, 1877. LIFE. Number of Life Insurance Policies Loss to Ins. Companies by Specials. . . 2.350,100 that became claims during month. 1010 Total lo1 >» CHRONOLOGICAL RECORD OF NOTABLE EVENTS. of August, 1S77 ft ft (-1 Total. Ins. Co’s 213 1 Tu. 1763— Boston merchants entered into a non-importa'.ion agreement $111,103 $45,900 against Great Britain. 214 2 Wd. 1814— The remarkable steeple of Kilwinning, in Scotland, fell. It 113,900 56,209 was built in 1140. 215 3 Th. 1732 — The first stone of tho Bank of England laid. 1857 — Eugene Sue, author of the Wandering Jew, died, a^ed 49. 354, COO 15S.500 216 4 Fri. 1836— The famous bell of Moscow, the largest in the world, weight 132.C00 92,200 444.000 lbs , raised from the ground. Irish novelist, died, aged 44 years. 1842 — John Banim, tho popular 217 5 Sat. 1816 — First State el ct on held in Indiana, 197.000 71.600 218 6 Sun 1674 — Thomas Willet, first May r c )i New York, died. 133.4 0 85.700 219 7 Mo. 1848 — The great comet, whose revolution occupies 292 years, 161,400 C9,900 passed in its perihelion in July, and was first seen on this day by a gentleman in Altoona. 220 8 Tu. 1856 — Mrs. Math -ws (Madame Vestris) d'ed in London, aged 59. 477,300 252,400 221 9 Wd. 1787 — The ship Columbia and sloop Washington sailed .r m Boston 163,090 10.5,609 for Northwestern America a d ( hina . They were the first American vessels to circumnavigate the globe, abolished in England. 1344 — Imprisonment Ibr debt 222 10 Th. 1802— The sea at Teignmouth, England, rose and fell two feet in ten minutes, which was repeated several times. 96 5C0 32,303 223 11 Fri. 1772— A charged cloud, at Java, de troved 2,030 persons. 138.900 65,500 224 12 Sat. 1822 — It b *rt Stewart, Lord Castlereagh committed suicide bv open- 124,200 61,100 ing the jugular vein with a penknife 1830 — The first American rail- ro d completed, between A.bany and Schenectady. 225 13 Sun 1851 — Litchfield, Conn., celebrated i s 100th ant iversar . 117,809 63,300 226 14 Mo. 1776— Constitution of Maryland adopted. 1870— Admiral David 87,300 47,800 15 Farragut di d, aged 69 ye rs. 227 Tu. 1769 — Napoleon Bon pa 1 to born at Ajaccio, Corsica. 1771 — Sir 116,300 59,500 Walter Scott born at Edinburg. 228 16 Wd. 1792 — The fi st theatre opened in Boston, called tho “New Exhibi- tion Boom.” 1825 — The Northern Sea discovered by Captain 109.300 37,300 Franklin. 229 17 Th. 1830— Lafayette made Marshal of Frcnco. 67,003 24,603 230 18 Fri. 1587 — The first English chi d born in America at Boanoke, Va. 1833 — First U. S. exploring expedition sailed, under Com- Wilkes. 116,700 15,203 231 19 Sat. 1517 — Sir Walter Baleigh sailed from Cork, Irelaud, with 14 vessels on his last voyage. 1692 — Five persons executed for witchcraft at 103,703 68,800 Salem, Mass. 232 20 Sun 1753 — Thomas Winslow, a native of Ire’and died, a~ed 145. 149.90 1 97,500 233 21 Mo. 1621 — A cargo of marriageable ladies — 1 widow and 11 maids — con- 92,600 43,800 signed, at L -ndon, to Virginia, to be sold for tobacco, at the rate of 120 lbs. of the best leaf lo • each. 1853 — Tho famoui Charter Oak, at Hartford, Conn., blown down in a s’orm. 234 22 Tu. 1851 — The yacht America won the “ England. ■ Cup of all Nations,” at Cowes, 165,000 79.C0C 235 23 Wd. 1693 — Tho first printing executed at New York was a proclamation 67,300 43,100 of Gov. Fletcher bearing this date. 236 24 Th. 1667 — New York < onfirmed to England by tho peace of Breda. 174,103 81,000 237 25 Fri. 1725 — A Hungarian picture cf this date has this inscription: “ John Roven, in the 172d year of his age, and bis wife, Sara 1 *, in the 164th ye ir of her age. They have been married 147 years. Their children, 2 sons an l 2 daughters, yet live, the youngest being 116 years old.” 1 52,400 238 26 Sat. 1765 — Great Stamp Act Biot in Boston. 87,600 67,900 239 27 Sun 1630 — The first church Jounlcd at Boston and Charlestown. 105.100 55,100 240 28 Mo. 1855 — 1 he work of laying the submarine cable from Cape May to 127,030 57,600, 1 i Cape Breton commenced. 241 j 29 Tu. 1816 — Scheta, the celebrated astrom imer of Lilienthal, died. 103 200 65,600 ! 242 30 Wd. 1832 — 18,000 deaths in Paris, from cholera, since March. 89.800 44.900' 243131 Th. 1853 — \. Roman circus cf great size is^overed at Tours, France. 411,600 99.300 INSURANCE STATISTICS FOR AUCUST, 1877. FIRE. LIFE. Loss by Spec’l Hazards during month, $3,156,109 Number of Li o Insurance Policies Loss to Ins. Companies by Specials 1,431.400 J j that became claims during month, 888 Total loss by fires during month 4,590.000 Amount paid by Life Ins. Companies Total loss to Ins. Cos. during mouth, 2.203.200 | for death claims during month $2,245 544 Life is too short to nurso one’s misery. Hurry across tho lowlands, that you may linger longer on the mountain tops. 1 8 THE CHRONICLE ALMANAC. THE P H E N I X Insurance Company, of Brooklyn, X. T. OFFICES: Nos. 12 & 14 Court Street, Brooklyn. No. 98 Broadway, Brooklyn, E. D. And in the City of New York, WESTERN UNION BUILDING, Broadway, cor. Dey St. January X, 1877. CAPITAL PAID IN CASH, . $1,000,000.00 RESERVE FOR ALL LIABILITIES, INCLUDING RE-INSURANCE, . . 906,556.70 NET SURPLUS, .... 886,346.22 Total Assets, $2,792,902.92 The assets of the Phenix are ; larger than those of any other Brooklyn Com- pany, and it continues to insure against loss or damage by Fire, or against Marine Losses, on the most favorable terms, NOT TOO OLD TO BE FORGOTTEN, That the PHENIX INSURANCE COMPANY passed safely through the destructive conflagrations of CHICAGO and BOSTON, paying losses in full, amounting in the aggregate to nearly a MILLION of DOLLARS, without assessing its Stockholders or passing any dividend in consequence of said disasters, which may certainly be deemed as having been well tested and not found wanting. STEPHEN CROWELL, President. PHILANDER SHAW, Vice-President. WILLIAM R. CROWELL, Secretary. EDWARD HASLEHURST, Sec’y Brooklyn Dept. Eastern Department— JAMES A. MACDONALD. At New York Office. Western and Southern Dep’t — T. R. BURCH, Gen’l Agent, No. 160 La Salle Street, Chicago. In “ Uncle Consider’s temperance lecture,” Eli Perkins condenses all that can be said against the use of liquor in the single clause, “ Get the best of wniskey, Eli, and whiskey will get the best of you.” THE CHRONICLE ALMANAC. *9 s A a s SEPTEMBER, 1878. Losses by Fires in the United H s £ States each day o o o >> CHRONOLOGICAL RECORD OF NOTABLE EVENTS. of September, 1S77 « Q 0 Total. Ins (Jo’s 244 1 Sun 1682 — William Penn, with 100 others, sailed from England in the Vulcan. 1851 — Railroad inaugurated from Moscow to St. Petersburg $76,000 $50,000^ 245 2 Mo. 1862— Hail, 7 feet deep, fell at Market Laverton, England. 183,000 99,700 246 3 Tu. 1658 — Oliver Cromwell died, aged 59 years. 1783 — Definitive articles of peace signed at Paris, between England, France, Spain and the 612,100 268,700, United States. 247 4 Wd. 1800 — Cayuga Bridge over the lake finished. 180,500 139,700 248 5 Th. 1774 — The first Congress met at Philadelphia. 111,000 33,200 249 6 Fri. 1620 — The Mayflower sailed from Plymouth, England, for America. 98,800 28,700, 250 7 Sat 1820— Great solar eclipse in England. 1850 — Bill passed admitting California as a State, and Utah as a Territory. 126,600 71,400 251 8 Sun 1636 — Harvard College founded at Cambridge. 154,400 71,400 252 9 Mo. 1776 — United States first so called. 1853 — The remnant of “ Table 80,700 55,700 Rock” fell, at Niagara. 1867 — General amnesty proclaimed by the President. 253 10 Tu. 1771 — Mungo Park born. 1802 — A lunar rainbow seen in Derby- 52,000 28,400 shire, England. 254 11 Wd. 1833 — 10,000 deaths from cholera in the City of Mexico, since 5th of 40,200 30,200 August last. 255 12 Th. 1609— Hudson commenced his voyage from New York up the river which bears his name. 1850 — The Fugitive Slave bill passed. 395,300 213,100 256 13 Fri. 1759 — Quebec stormed and taken by the Britisn. 1831 — Albany and Schenectady Railroad, the first in New York State, opened. 202,000 168,200 257 14 Sat. 1836 — Aaron Burr, third Vice-President of U. S., died, aged 81. 1852— Duke of Wellington died, at Walmer Castle, England, aged 83. 73,300 42,300 258 15 Sun 1829 — Slavery abolished in Mexico. 1849 — Strauss, the musical composer, died at Vienna, aged 45 years. 66,100 36,500 259 16 Mo. 1785 — At midday, at Quebec, the darkness was so great no person could see to read. 1833 — Boundary line settled between New York 31,900 17,100 and New Jersey. 260 17 Tu. 1758 — The first theatre in New York opened, in Nassau Street, by Lewis Hallam. 1855 — Corner-stone of public library laid in Boston. 122,400 69,500 261 18 Wd. 1792 — The southeast corner-stone of the north wing of the Capitol 78,000 43,000 Th. laid by Geo. Washington. 262 19 1471 — The first book known to have been printed in the English language bears this date, and is entitled “The Recuyell of the His- 250,600 107,400 torie of Troy.” | 263 20 Fri. 1736— John Bernardi died in Newgate prison, aged 79. He had been confined 40 years on the false charge of plotting the assassination of 180,500 85,400 William III. | 264 21 Sat. Sun 1803 — Robert Emmet hanged in Dublin, for high treason, aged 23 years. 1832 — Sir Walter Scott died, aged 61 years. 322,500 169.700 265 22 1692 — Two men and seven women executed at Salem for witchcraft, one being pressed to death for standing mute. 125,300 29,700 266 23 Mo 1737— Hebrews disfranchised by the New York Legislature. 140,900 84,200 1 267 24 Tu. 1693 — Bayonets first used on loaded muskets at the battle of Turin, being first constructed at Bayonne in 1620. 1,126,600 83,000 268 25 Wd. 1815— First daily paper started in Ajbany. 1839 — Treaty between 205,800 89,200 France and Texas signed at Paris. 269 26 Th. 1776— Congress appointed Silas Deane, Benj. Franklin, and Thos. Jefferson, Commissioners to the Court of France. 1789 — Edmund Randolph commissioned the first Attorney-General of the U. S. 121,400 84,600 270 27 Fri. 1799 — Rome surrendered to the British. 934,400 647,600 271 28 Sat. 1670 — The London Royal Exchange, having been rebuilt, was re- 77,700 46,000 | opened. 272 29 Sun 1604 — The act of King James against witches went into operation. 208,400 181.800 273 30 Mo. 1630— Isaac Johnson, one of the principal founders of Boston, died. The first cemetery in that city was laid about his grave. The spot is now built upon, being bounded by Tremont, Cornhill, Court, and 330,500 179,200 ' School streets. INSURANCE STATISTICS FOR SEPTEMBER, 1877. FIRE. 1 1 LIFE. Loss by Spec’l Hazards during month, $5,009,300 J I Number of Life Insurance Policies Loss to Ins. Companies by Specials. . . 2,291,500 j that became claims during month. 921 Total loss bv fires during month 6,709,500 Amount paid by Life ins. Companies Total loss to Ins. Co’s during month, 3,254,600 | j ior death claims during month $2,330,379 To have ideas is to gather Hewers. To think is to weave them into garlands. 20 THE CHRONICLE ALMANAC. German- American Insurance Company OF NEW YORK. No. 179 BROADWAY. Gross Assets, January 1st, 1877, Reserve for unearned Premiums, Other Liabilities Capital paid in Cash Net Surplus .... $2,226,552.97 . $496,389.36 78,326.00' 1,000,000.00 651,837.53 $2,226,552.97 E. OELBERMANN, President. James A. Silvey, Secretary. John W. Murray, Vice-Prest. Thos. F. Goodrich, Secretary Agency Dep’t. John Marr, General Agent. James Noxon, Special Agent. Eugene Cast, Manager Western Dep’t, Chicago. John S. Belden, Ass’t Manag’r. Barbee & Castleman, Managers Southern Dep’t, Louisville, Ky. Farnsworth & Clarke, Managers Pacific Dep’t, San Francisco, Cal. REPRESENTED IN ALL THE LEADING AGENCIES THROUGHOUT THE COUNTRY. Living Things in the Ear— L ay the patient on his side with affected ear uppermost; fill the ear with water or sweet oil, which v ill float out the obstruction. THE CHRONICLE ALMANAC. 21 OCTOBER, 1878. CHRONOLOGICAL RECORD OF NOTABLE EVENTS. Losses by Fires in the United States each d jr of October, 1877 . 274 Tu. 1807 — The first steamboat left New York for Troy, making 5 miles an hour. Total. $224,500 Ins.t Vn 1 $119,200 276 2 Wd. 17K0— John Andre hanged in Tappan, N. Y., as a spy. 284.901) i 145.900 276 £ 'Ih. 1691 — The English and Irish war ended by the tall of Limerick. 269 100 i 123,500 277 4 Fri. 1780— The ships Revolution and Discovery, under the < ircumnavi- gators. Cook and Clark, returned, but without either of their com- manders both being (U ad. 154,300 | 102,500 278 5 Sat. 1733 — Zenger’s Weekly Journal, the second paper in New York issued. 205,300 125,700 279 6 Sun 1783 — The treaty between the U. S. and Great Britain proclaimed. 190,200 92,000 280 7 Mo. 1765 — First Congress ot American Colonies met in New York. 1847— Edgar A. Poe died, aged 37. 221,500 201, 5U0 281 8 Tu. 1793— John Hancock, a master spirit of the American Revolution, died, aged 56 years. 1822 — The first boats passed from the West and North through the Erie and Cham: lain Canals, to Albany. 126,900 69.600 282 9 Wd. 1642— T he first commencement held at Harvard College. 47.900 24,000 283 10 Th. 1800— Explosion of an infernal machine intended to kill Napoleon as he went to the opera; 20 p rsous killed and 53 wounded. Napoleon escaped because his coachman was intoxicated, and drove faster than usual. 132,700 7e,lC0 284 11 Fri. 1791 — The Bank of Providence, the first bank in Rhode Island, be- gan to discount. 281,600 122,600 285 12 Sat. 1822— Indepi ndence of Brazil, under Don John, proclaimed. 1870 — Gen. Robt. E. Lee died, aged 62. 152,100 83.800 286 13 Sun 1754 — J cob Powell, who weighed 560 lbs., and whose body was four yards in circumference, died. Sixteen men were required to carry the body t • the grave. 65.900 36,700 287 14 Mo. 1761 — Volcanic ptn mm<-naseen in Worcester, England. 1845 — Wm. Pidgeon died in Bladen, S.C., aged 123. 149,100 71,000 288 15 Tu. 1631— A party of 60, after a journey of 14 days through the wilder- ness, settled at Hartford, Conn. 52,000 24 900 289 16 Wd. 1725 — First newspaper publi°hed in New York. 1817 — Kosciusko, the famous lolish gen. ral, died in Switzerland , aged 71 years. 45,700 31,900 290 17 Th. 1829 — Delaware and Chesapeake Canal opened. 282,800 204.500 291 18 Fri. 1631 — Corn made a legal tender in Massachusetts, unless money or beaver were expressly stipulated. 1871 — European and North Amer- ican Railway opened at Bangor, Me. 111,000 88,200 292 19 Sat. 1762— Darkest day ever kuowu in Detroit. 1810— The French burned all the British merchandise in the country. 62,200 32,500 293 20 Sun 1815 — Great hurricane at Jamaica, which lasted three days and de- stroyed 100 vessels. 61,000 24,100 294 21 Mo. 1805— Battle ot Trafalgar. 76,700 44,100 295 22 Tu. 1757 — Alum first discovered in Ireland. 1850 — The City Council of Chicago passed a resolution nullifying the Fugitive Slave law. 54 500 33,200 296 23 Wd. 1667 — 1 he foundation ston a ot the first pillar of the Royal Ex- change, London, laid by the King. 1679— The •* Meal Tub Plot ” dis- covered in England. 208,800 161,800 297 24 Th. 1682— William Penn, with 100 colonists, landed at Newcastle, Del. 1852— Daniel Webster died at Marshfield, aged 70. 96,000 75,800 298 25 Fri. 1780 — John Hancock chosen first Governor of Massachusetts. 1826 — The first daily paper at Rochester started. 149,600 71,500 299 26 Sat. 1831 — Cholera first appeare 1 in England, at Sunderland. 1850 — The Northwest Passage discovered by Capt. McClure. 104,000 85,000 300 27 Sun 1492 — Columbus discovered Cuba, and made a landing on the fol- lowing dav 222,800 128,200 301 28 Mo. 1652— William Mead, an English physician, died, aged 149. 1704 — John Locke, the p ilosopher, died. 90,400 37,500 302 29 Tu. 1825 — The first boat on the Erie Canal reached Buffalo. 108 000 54 600 303130 Wd. 1813 — Sarah Rodgers, a celebrated painter, died at Philadelphia. 178,500 96,100 304 31 Th. 1838 — Noah Webster, an eminent philanthropist, and founder of the Massachusetts Peace Society, died. 109,400 84,600 INSURANCE STATISTICS FOR OCTOBER, 1877. FIRE. Loss by Spec’l Hazards during month, $1,970,200 Loss to Ins. Companies by Specials. . . 3,193,200 Total loss by fires during month 4,507,400 Total loss to Ins. Cos. during month, 2,666,600 919 LIFE. Number of Life Insurance Policies that became claims during month. Amount paid by Lif » Ins. Companies tor death <-laias during month $2,332,894 “ Are these soaps all one scent?” inquired a lady of a juveuLo salesman. “No, madam; they are all 10 cents,” replied the innocent youngster. 22 THE CHRONICLE ALMANAC. WATERTOWN FIRE INSURANCE COMPANY, Watertown, N. Y. Insures Residence Property Against FIRE AND LIGHTNING. January 1 ? 1877. Cash Capital, Cash Assets, , Reinsurance Fund, . Net Surplus, Hon. WILLARD IVES, U. S. GILBERT, . JESSE M. ADAMS, C. H. WAITE, NEW YORK OFFICE; No. 141 BROADWAY , SATTERLEE & SMITH, Agents. The first step to greatness is to be honest. $ 200 , 000.00 7 25,819.08 433,602.72 64,754.72 President. Vice-President. Secretary. General Agent. THE CHRONICLE ALMANAC. 23 t H "S 0 s , Q o >> Q o >» ca « CHRONOLOGICAL RECORD OF NOTABLE EVENTS. of December, 1876. Total. Ins. Co’s ! 335 1 Sun 1848 — Huugary declared herself an independent Republic. $560,100 $319. tOO 336 2 Mo, 1791 — Henry Flood, the larnous Irish orab r, died, aged C9 years. 1804 — Napoleon lien parte inaugurated Emperor of I ranee. 149,000 83,600 337 3 Tu. 1775 — lhe Cominental flag displayed for the first time, on board the flag ship of i sek Hopkins. 1815— John Carroll, first Catholic Bishop in the U. S., died, aged 89 years. 1818 — Illinois admitted into the Union. 314,500 104, COO 338 4 Wd. 1642 — Cardinal Richelieu died, aged 57 years. 1819 — Alabama ad- mitted into 1 he Union . 98,100 69,300 339 5 Th. 1066 — Ma -beth, usurper of the Scottish throne, slain by Macduff, after a reign of 17 years. 399,600 164,100 34C 41 Fri 1790 — K ntucky was erected into an independent state. 156.700 89,700 341 7 Sat. 1788 — Delaware ratified the Constitution of the United States, being the first State to do so. 1835 — The railroad from Nuremburg to Furth, the first in Ge v many, opened. 88,000 50,300 342 £ Sun 1828 — The first depos t ot California gold made in the U. S. mint. 166,100 101.600 343 9 Mo. 1856 Rev. Fatb er Mathew, the Apostle of Temperance, died at Cork, Ireland, aged 66 yeaes. 469,600 256,500 I 344 10 Tu. 1768 — The Royal Academy in London, instituted. 1804 — New York Historical Society instituted. 171,800 94.C03 j 345 11 Wd. 1816 — Indiana admitted into the Union. 110.200 58,600 ' 346 12 Th. 1656, A. M. — The rain of the deluge ceased to fall. 1787 — Penn- sylvania ratified the Constitution of the United States. 184,260 106,200 347 13 Fri. 1545 — The greit Council of Trent opened. 1642 — New Zealand discovered by Tasman. 95.400 68,100 348 14 Sat. 1799— George Washington died at Mount Vernon, aged 68 year*. 405.860 174,600 349 15 Sun 1840— The remains of Bonaparte removed from Cherbourg to Paris. The procession on the occasion numbered 500,000 persons. 324,800 73,800 350 16 Mo. 1809 — The most ceremonious and < xtr ordiuary divorce in the world took place between Bonaparte and Josephine. 561, COO 257,800 351 17 Tu. 1832 — Professor Zahn discovered a city buried under the lava, between Vesuvius and Pompeii. 193,000 115,600 352 18 Wd. 1776 — New Jersey ratified the Federal Constitution. 195, 7C0 114.300 353 19 Th. 1852 — Sacramento, Cal., inundated by the breaking of a levee, and much damage occasioned. 419,300 215,200 354 20 Fri. 1735 — Part of the Island of Portland sank into the sea. 1791 — Bank of the United States commenced discounting at Philadelphia. 106,500 53,500 355 21 Sat. 1667 — Milton’s widow disposed of her entire interest i;i Paradise Lost for £8; so that the most sublime poem in the world, produced for its author and his family the sum of $90, ten pounds having been paid the author during his lifetime. 236,600 109,700 356 22 Sun 1719 — The American Weekly Mercury, the first paper in Pennsyl- vania and the second in the United States, appeared. 1803— Louis- iana taken possession of Ly the Americans. 243,600 104,100 357 23 Mo. 1783 — Gen. Washington delivered up his commission to Congress. 295,000 169,660 358 24 Tu. 1704 — First eruption, on record, of the Peak of Tenneriffe. 281,500 100.900 359 25 Wd. 98 — Christmas was first used as a festival. 1777 — Vermont became an independent State. 84,000 46,700 360 26 Th. 1732 — William Leland, of Lisnakeu, Ireland, died, aged 139 year*. 1831 — Stephen Girard, a wealthy Philadelphia banker, and founder of Girard College, died, aged 81 years. 78,700 43.7C0 361 27 Fri. 1820 — John Keats, a i English poet, died in Italy, aged 26 years. 115,600 70,100 362 28 Sat. 1737 — Singu’ar sinking and rising of land near Scarborough, York- shire, England. 333,800 153,000 363 29 'Sun 1 1845 — Texas admitted into the Union. 1348 — Wisconsin admitted into the Union. 214,500 127,100 364 301 Mo. 1861 — Banks at New York suspended specie payment. 54,600 29,400 365 1 Tu. 1849 — The Hudson River Railroad opened to Poughkeepsie. A HAPPY NEW YEAR TO YOU ! 116,200 10,200 INSURANCE STATISTICS FOR DECEMBER, 1876. FIRE. I LIFE. Loss by Spec’l Hazards during month, $4,524,700 Number of Life Insurance Policies Loss to Ius. Companies by Specials,. . . 2,177,000 J that became claims during month, 928 Total loss by fires during month 7,254.100 I Amount paid by Life Ins. Companies Total loss to Ius. Cos. during mouth, 3,536,300 j for death claims during month, $2,357,794 Burglars now force fine powder into safes with air-pumps. No lock will be perfectly secure until a man can put the keyhole in his pocket. 26 THE CHRONICLE ALMANAC. KNICKERBOCKER LIFE INSURANCE COMPANY, 239 BROADWAY, NEW YORK. JOHN A. NICHOLS, .... President. CONSERVATIVE, SECURE, STABLE, LIBERAL, AND PRUDENTLY MANAGED. SAVINGS BANK POLICIES A SPECIALTY. Geo. F. Sniffen, Secretary, Chas. M. Hibbard, Actuary. H. W. Johnson, Counsel, E. W. Derby, M. D., Med. Ex’r. John F. Nichols, Cashier, John B. Powell, Mang’r Agencies for N. Y. The man that stands by himself, the universe stands by him also. D. J. Staples, President. Alpheus Bull, Yioe-Prest. Geo. D. DoRNiN,See’y. FIREMAN’S PUN TD INSURANCE COMPANY, SAN FRANCISCO, CALIFORNIA. Connecticut, Georgia, Illinois, . Indiana, Iowa, Kentucky, Maine, Massachusetts Pennsylvania, Ohio, LOSSES PAID TO JANUARY I, 1877. New Jersey, Texas, South Carolina, . Rhode Island, , Michigan, New York, Virginia, Minnesota, Missouri, Wisconsin. California, Oregon, Nevada $38,682 15,281 651,738 36,117 42,027 12,999 15,242 271,565 75,3 r 0 47,889 5,450 4,163 20,914 28,658 34,504 336,352 28,037 8,879 46,688 39,461 1,329,125 Total, 83,089,121 SKEELS & BROUGHTON, Agents, 176 Broadway, New York. THOS. S. CHARD, Manager, £3, 25 & 27 La Salle Street, Chicago. “ A woman,” says Mrs. Partington, “ who has once been married with a congealing heart, and one that beats desponding to her own, will never want to enter the maritime state a second time.” THE CHRONICLE ALMANAC. 27 That many Marine Insurance Companies do not exercise proper discrimination in assuming risks, will not be disputed. In consequenca of this recklessness, rotten hulks, laden with comparatively worthless cargoes, are frequently wrecked in order to obtain the amount of insurance. Prior to the passage of the Plimsoll law in England this pernicious practice was quite common in that country. Its effect in this country is faithfully presented in the above illustration. As the deepest hate may spring from the most violent love, so the greatest ingratitude may arise from the largest benefits. It is said that Cicero was slain by one whom his oratory had defended when accused of his father’s murder. 28 THE CHRONICLE ALMANAC. CONTINENTAL INSURANCE COMPANY OF THE CITY OF NEW YORK. Statement of Financial Condition, January 1st, 1877. Whole Amount of Assets possessed by the Company, . $3,040,085.07 CONSISTING OF THE FOLLOWING ITEMS — TO WIT : 1. Cash on hau l and on deposit in Bank, . . 382,538.31 2. Stocks and Bonds owned by the Company — Market value 937,630.00 3. Real Est ite owned by the Company, . . . 669,000.00 (Including Principal Office, 100 & 102 Broadway and No. 1 Pine Street. Branch Office, cor. Court and Mon- tague Street, Brooklyn. Eastern Branch Office, 106 Broadway, Eastern District. ) 4. Loans on United States and other Stocks, (Market value, $234,528.75.) 177,850.00 5. Loans on Bond Mortgage (on Real Estate valued at $1 952,075.00.) ...... 657,000.00 5. Interest accrued, due 1st January 1877. . . 23,505.24 7. Ruts accrued ...... 13,500.00 8. Premiums in course of collection . . . 179,061.52 $3,040,085.07 Liabilities. 1. Amount reserved to reinsure all outstanding risks, . $ 930,107.84 2. Dividends unclaimed, commission on uncollected pre- miums and all other demands against the Company, 73,462.52 3. Reserve f ar Losses reported and in process of settlement, $192,499.58.- $1,003,570.36 Amount available January 1st, 1877, for Losses as per state- ment on next page, ..... 2,036,514.71 $3,040,085.07. Bee next page. ~~ The man that stands by himself, the universe stands by him also. THE CHRONICLE ALMANAC. 29 CONTINENTAL INSURANCE COMPANY— continued. By the provisions of the New York Safety Fund Law, under which the business of this Company is conducted its available funds are disposed as follows, viz : 1. Amount of Capital, ..... $1,000,000.00 2. Guarantee Surplus Fund, (This Fund is now, Oct. 1st, $400,000). 386,000.00 3. Special Reserve Fund, held by the Superintendent of the New York Insurance Department, for the protection of policy holders of this Company, not involved in any overwhelming conflagration, and available for losses occurring subsequent to such disaster or pending the assessment of new or additional capital, and also held to keep the Company out of a Receiver’s hands in any emergency, and to make all its funds held for losses at such conflagration available for that purpose without shrinkage, costs or delay. (This Fund is now, Oct. 1st, 1877, $400,000) 386,000,00 4. Unallotted Funds, (including the $192,499.58 reserved for losses reported and in process of settlement.) . 264,514.71 $2,036,514.71 Cash Capital (all paid up) .... $1,000,000.00 Gross Surplus ...... 2,040,085.07 $3,040,085.07 OFFICERS : B. C. TOWNSEND, Secretary Agency Dep’t. ABM. M. KIRBY, Secretary Local Department. CHAS. H. DUTCHER, CYRUS PECK, Secretary Brooklyn Dep’t. Secretary. JOHN K. OAKLEY, General Agent. GEO. T. HOPE, President. H. H. LAMPORT, Vice-President. New York , October 1st, 1877. A tart temper never mellows with age; and a sharp tongue is the only edged tool that grows keener with constant use. — Irving. 30 THE CHRONICLE ALMANAC. POSTAL INFORMATION. LETTERS, and Matter wholly or in part in Writing, or in a Sealed Package, to any part of the United States, three cents per half ounce, or fraction thereof, to be fully prepaid, or penalties will be inflicted as below stated. Drop or local letters at Post Offices having letter carriers, two cents per half ounce, or frac- tion thereof, at offices not having letter carriers, the rate is one cent per half ounce, or fraction Letter rate of postage will be charged on all matter (excepting as below noted) that has any communication in writing, or by signs, except- ing the correction of typographical errors, and upon all matter that is not so enclosed as to permit it to be examined without destroying the wrapper ; and upon all matter in which any communication is concealed. Postage on letters must oe fully prepaid ; ii prepaid one full rate, they will be forwarded, and the amount of deficient postage collected on delivery ; if wholly unpaid, or prepaid with less than one full rate, they will be sent to the Dead Letter Office, or if forwarded by mistake, double the regular rates will be collected on delivery. Letters will be returned to the writer, free, if a request to that effect is placed upon the en- velope. A letter will be forwarded by the Postmaster who may hold it to another post office at the request of the person to whom the letter is addressed. Stamps cut from Stamped Envelopes are valueless. The weight of a letter packet must not exceed four pounds. POSTAL CARDS, — Price one cent each, re- gardless of quantity. Nothing must be added to or pasted on a postal card, not even a pasted address, nor a piece of cord, nor an eyelet. The address must be placed on the face, (or stamped side) of the card, and the communica- tion, which may be either written or printed, on the back. Two, or more, advertisements can be printed on the back of the same card. They may be sent to any part of the United States, and are entitled to all the privileges of Letters, excepting that— 1. They will not be returned to the sender. A card containing any scurrilous or indecent communication will not be forwarded. Postal Cards prepaid with an additional one cent stamp can be sent to Canada, Newfound- land, Germany, Switzerland, Austria, Belgium, Denmark, Great Britain and Ireland, Greece, Holland, Moldavia, Norway, Portugal, Rou- mania, Russia, Servia, Spain, Sweden, Turkey, Wallachia, Italy, Poland and Egypt. MISCELLANEOUS PRINTED MATTER, not exceeding four pounds in weight, one cent for each two ounces, or fraction thereof, prepaid by stamps. This class includes all productions of print- ing or lithography, and a few other articles, among which are the following : Book Manuscript. (Manuscript or Proof Sheets belonging to other than book work are rated at letter rates.) Cards, printed. Chromos. Circula s. Engravings. Hand Bills. Lithographs. Maps. Music Sheet. Pamphlets. Posters. PROOF SHEETS, corrected or uncorrected, one cent for each two ounces or fraction. Transient Newspapers, Magazines and other Periodicals (not sent by a publisher to a sub- scriber) not exceeding four pounds in weight, one cent for each two ounces or fraction, pre- paid by stamps, and care should be taken that the paper is prepaid according to weight, before mailing it. CIRCULARS, unsealed, not exceeding four pounds in weight, one cent for each ounce, pre- paid by stamps. A “ circular ” is understood to mean a sheet similar to an ordinary letter sheet ; it is not a pamphlet nor anything that assumes that shape. The package may contain the circulars, or cards, or catalogues (see Books), or any printed matter relating to the business of one firm or of more than one firm. A circular may have a written address inside, but no other writing. 2. They will not be advertised or sent to the Dead Letter Office, if not called for. 3. If not delivered in sixty days they will be burned by the Postmaster. Any Print’d Card may be sent through the mails, if prepaid with one cent stamp, provid- ing it contains no written matter except the address, which, with the stamp, should occupy one side of the card. For local delivery, by carrier in city where mailed, one cent for each circular. BOOKS, not exceeding four pounds in weight, one cent for two ounces, or fraction thereof, prepaid by stamps. All packages that are over the prescribed weight are subject to letter postage, and no package will be forwarded unless fully prepaid . Convenient Deodorizer — Coffee roasted, ground and exposed in an open vessel is a more powerful deodorizer than chloride of lime, without its disagreeable smell. THE CHRONICLE ALMANAC. 31 (POSTAL INFORMATION, continued.) PACKAGES OR SAMPLES of Merchandise, Metals, Ores, Minerals, &c., not exceeding four pounds in weight, one cent for each ounce, or fraction thereof, prepaid by stamps. This rate includes everything that is not the production of the printing press. Postal matter of this description must be wrapped so that the contents cau be examined without cutting or injuring the wrapper. Seeds may be placed in sealed bags of a suffi- ciently transparent nature to show the contents clearly. All Liquids, Poisons, Explosives, &c., &c., or anything liable to injure or deface the contents of the Mails, will not be forwarded. If such articles are deposited in the Mails, they are thrown away, as they cannot even be sent to the Dead Letter Office. A business card may be printed or pasted (if printed) upon the wrapper or envelope. Samples may be numbered or marked by signs to correspond with similar marks on cata- logues, invoices or letters. The sender of a package may write his or her name and address on the wrapper, or in or on its contents, with the word “ from ” preced- ing it. The names and numbers of articles in a package may be written or printed, Typographical errors in circulars, price cur- rents, catalogues, &c., may be corrected by writing. DOMESTIC MONEY ORDERS. These orders, payable at any Money Order Post Office in the country, are issued at the fol- lowing rates : On orders not exceeding $15 10 cts. “ over $15 and not exceeding. . $30 15 “ « « 30 “ “ 40 20 “ “ » 4=0 “ “ 50 25 “ When more than $50 is required, additional orders must be obtained, but not more than three orders will be issued in one day to the same payee at the same office. If a money order is lost, a certificate should be obtained from both the paying and issuing postmaster that it has not been paid, and wi 1 not be paid, 8nd the Department at Washington will issue another on application. If a money order is not collected within one year from date, it is invalid, and can only be paid by the Department at Washington on application through the issuing or paying post- master. CANADIAN MONEY ORDERS. Post Office Money Orders on Canada can be obtained at the Post Office, payable at the prin- cipal cities in the Dominion of Canada, at the following rates : For $10 or less 20 cents. Over $10 but not over $20 40 “ “ 20 “ “ 30 60 “ 30 “ “ 40 80 “ 40 “ “ 60 $1.00 No order issued for more than $50. The orders are issued payable in Canadian dollars, which are equivalent to the U. S. gold dollar, and are to be paid for by United States or National Bank Notes on the basis of premium on gold, on day of issue. INTERNATIONAL OR FOREIGN MONEY OR- DERS. Fees and Money payable in National Bank or Treasury notes. All orders calculated at gold valuation, and the opening premium of gold on day of purchase charged to buyer. On Great Britain and Ireland, $4.86 2 3, gold, to Pound Sterling, On Switzerland, 5.15 Francs per Dollar. Orders issued at the following fees : Not exceeding $10 25 cents. Over $10, but not over $20 50 “ “ 20 “ “ 30 75 “ 30 “ “ 40 $1.00 “ 40 “ “ 50 1.25 German Empire, 71 cents per Thaler. Orders issued at the following fees: Not exceeding $5 15 cents. Over $5, but not over $10 25 “ “ 10 “ “ 20 50 « “ 20 “ “ 30 75 “ 30 “ “ 40 $1.00 “ 40 “ “ 50 1.25 Orders can also be obtained, via Switzerland, on Austria, Belgium, Denmark, France, Hol- land, Italy, Norway, Russia, Sweden, subject, however, to the rates of the Swiss Department to those countries. REGISTRATION FEE, on packages prepaid at letter rates not over four pounds in weight, to any part of the United States, ten cents for each package, in addition to the postage. The package must be endorsed on the back, with the name and address of the sender, and a re- ceipt will be returned, from the person to whom the letter is addressed. FOREIGN POSTAGE. REGISTRATION FEE, on Letters and oth- er articles addressed to foreign countries, is ten cents, which, including postage, must be prepaid by stamps. PATTERNS OR SAMPLES OF MERCHANDISE having any intrinsic or dutiable value will not be forwarded. Limit of Weight. The maximum weight for patterns of merchandise is two hundred and fifty grammes, or eight and thr*e fourths ounces, and the maximum weight of other arti- cles, except letters, is one thousand grammes, or two pounds three ounces. There must be no writing or printing upon or in any packet except the address of the sender, a trade mark or number, and the price of the articles. Periodicals published in the United State 0 , at intervals of more than 31 days, go to Great Britain at newspaper rates. That peace is an evil peace that doth shut truth out-of-doors. If peace and truth cannot go together, truth is to be preferred, and rather to be chosen for a companion than peace. 32 THE CHRONICLE ALMANAC. GIRARD NSURANCE OFFICE : OMPANY, N. E. Cor. Chestnut and Seventh Sts. PHILADELPHIA, Pa. CHARTER PERPETUAL. CAPITAL, . . $ 300 , 000 . ASSETS, JANUARY 1, 1877. Assets, . . . $1,110,276.66 Paid in Capital, . . . 300,000.00 Net Surplus, overall Liabilities, including Capital, 418,488.09 ALFRED S. GILLETT, President, P. C. ROYCE, Secretary. JAS. B. ALVORD, Vice-Pres't J. B. ALLEN, Ass’t Sec’y. I/ving is trying to hide in n fog ; if you move about you are in danger of bumping your head against tho truth ; a3 soon a3 thofog blow3 off, you are sure to be discovered. THE CHRONICLE fi , MANA T 33 Charter Perp >etual. FRANKLIN FIRE INSUT^ ange COMPANY,. OF PHILADELPHIA. Capital, Insurance Her Unpaid Los*- ' erv ® - Net Surplr & and Dividends, Altai Cash Assets, January 1st, 1 877, $400,000.00 2,100,334.74 85,800.15 766,730.55 $3,352,865.44 OFFICERS, GEORGE FALES, Vice-President. .■FS w. McALLISTER, 2d Vice-President. THEO. M. REGER, Secretary. SAMUEL IV. KAY, Assistant Secretary. ALF j. .RED G. BAKER, President. Nature has l iven man one tongue, but two ears, that he may hear twice as much as he speaks NATIONAL LIFeTnS. CO., U. S. of A. WASHINGTON, D. C. CHARTERED Cash Capital, Assets, July i, 1877 Surplus, “ “ BY 00HGRESS. $1,000,000,00 #4,086,825.98 #1,346,036.37 ALL THIS SURPLUS IS SECUR'TY ADDITIONAL TO THE RESERVE, WHICH IS CALCULATED ON A 6 PER CENT BASIS. RATIO OF ASSETS TO LIABILITIES, 149 PER CENT. THE LARGEST CAPITAL OF ANY LIFE INSURANCE COMPANY IV THE WORLD. PERFECT SECURITY. LOW RATES OF PREMIUMS. DEFINITE CONTRACTS. OFFICERS. EMERSON W. PEET, President and Actuary JOHN. M. BUTLER, Sec. [Executive Cora. J . ADLER ELLIS, Vice-President. SAMUEL M. NICKERSON, Cha rmau Fin. and DIRECTORS. Sam’l M. Nickerson, A. A. Carpenter Emerson W. Peet, H. H. Porter, John V. Farwell, Frank D. Gray, J. Alder Ellis,* F. H. Kales, Anson Stager, Geo. C. Clarke. Jonn M. Butlkr, A. S. Pratt. “ Chance never helps those who do not work." 34 THE CHRONICLE ALMANAC. •zo x *op ; •zo f -op * •zo z ''OJ? ‘sax■ . « ‘03 £S ®-d o O’! a.~ 1 ■g g 8 cc *H .S .S -rt -g 5 fe =3 =3 'Sod-l^gJ 83 a § ^ .5 Shoo'd' g g .2 S -d -d -d . so o ft 2 3 ■<■<■< -gW 3 , ss« 5 l jg-Sta'S t* •g &o+> a « S a a H o 73 ® £1533 ■a ^ a C >> ■gas S-saiE a n'^’ 3 ’® ®"o o i S 2 g« | Wfflas'l ■ ® § *2 *< <£ 2 cS 'M fl g>£ „*g d 1 ®- 4 - § * ® o a C9 a o a _ oS ffl © ° o a p, p, >>£ •£ a c3 ca © 'OUOO O -d 36 THE CHRONICLE ALMANAC. LYCOMING FIRE INSURANCE CO. op MUNCY, PA. ESTABLISHED 1840. MUTUAL AND CASH RATES. Losses Paid, over - $7,000,000.00. W. P. I. Painter, - - President. James M. Bowman, - Secretary. W. H. H. Walton, - - Treasurer. MANAGER EASTERN DEPARTMENT; E. A. MOORE, 161 BROADWAY, N. Y. A professional diver, who desired to become a performer on the piano, was told that, as a beginner, he would be kept constantly on the scales. He replied that he was accustomed to being weighed down. THE CHRONICLE ALMANAC. 37 THE DISAGREEMENT OF THE DOCTORS. The Commissioners and Actuaries perplexed as to the proper treatment of a Life Company ridden almost to death by State supervision. Handicapped with iniquitous laws, and ridden almost to death by the jocldes of the Insurance Departments of several States, it was finally proposed 1 o perform a surgical operation on a Life Insurance Company. But the -‘doctors” differed widely in the mode of treatment to be prescribed, and the grossly ill-used patient was forced to submit to the quackery peculiar to each. Although the “4 % re- serve” lash, as illustrated above, has been applied in several instances, Life Insurance still survives. 38 THE CHRONICLE ALMANAC. •ojy 'satduiBg ‘aanujM pa^ntaj Jaqxo zo i ‘xuajing -opj. zo* ‘^aajjuo- jp* •^uaajiuj saotaj •zo x ‘siBinoatQj. •zo f ‘sa'Binojio* •zo z ‘sjBinoaio •aaX'^M aaq^o uq •sjta^a^x uo 9a,i o i eainutBao sx qo*a Jo,i •oouno JI^H qo«a aoj -fl ^ rH r-l (M tM -c O O .OO 3 0 0 0 0 JlOODOHlOlOOOO 0000 o . .0 'oot-t-iao CQ W h P O P$ n fc <1 m w H ti H fc P O o pg o . 0*02 w S4» O 2 °» C 2 - a ^ ' 3 ^ j3 ,2 3 •sie^gg & Q 0 « > ® O , a P .2* jj .3®o .a r«(ii2 ‘-So > j o g all Is Isa s a** i si ait £ i \ 25-5 p I H P •? " 2 0 c3 a t r3 '3 221 aa|* 0-3 •$ ^ a 42 fl jj a o o5-ON £ £ & ; ££ & J* Xj iac 00 ^ 2 P’”^ RWTJrf * *«■! ils£&® M rt . . P . - o o g3 • b 2 p « {5 S^Pg 40 THE CHRONICLE ALMANAC. Organized 1858 By Imperial Decree. LA CAISSE GENERALE, OR FRENCH INSURANCE CORPORATION. Paris, France. Hon. JULES LE CESNA, President. M CH LARROTTciqu 1 q (Member of French Par.iament.) ' ■ LiAJJ -BOUSSE, SECRETARY. F3RE INSURANCE EXCLUSIVELY. CAPITAL, .... 12,000,000 Francs. Assess in the United States, - . $4.00 000 00 M. JULIEN L3 CESNA ? 9 13. O. WEST, Sup,,. Agency Department, Chicago. wiS^Sn^S: in a Cllain cf I^Unce ; Milwaukee Mechanics Mutual Insurance Go. MILWAUKEE, WIS. CHR. PREUSSER, President. ADOLF J. CRAMER, Secretary. Assets, Oct. i, 1877, n 1 A // ’ ‘ * * $754,i73-oo Cash Assets, • • 527,652.00 Net Cash Surpl us, (beyond Premium Notes.) 278,886.00 B3 wllat y°" seem to be. FIRST national fire insurance co., OF WORCESTER, MASS. CHAS. B. PRATT, President. JOHN M. WH1TON, Agent, 165 and 167 Broadway, NEW YORK. ^Dojgood wherever you can, and forget it. > y°u cannot draw one link THE CHRONICLE ALMANAC. LIST OF GOINS WITH THEIR UNITED STATES. GOLD COINS. Quintuple Eagle Double Eagle California 2 h Eagle “ Double Eagle. . . Old Eagle (1795) Eagle (1841) Cincinnati Mining Co's Eagle Humbert’s California Eagle j. s. o. “ Moffatt’s “ “ Templeton’s “ “ Miner’s Bank, “ “ Mormon Piece Oregon Co., (Beaver Com) Old Half Eagle .....’.V. Hdt Eagle Mass. Calit’a Company A Eagle. Bechtler Half Eagle. . . .”. Dunbar & Co., Calif’a h Eagle*. .* .’ . G. &N. San Francisco h Eagle California Half Eagle Oregon Company Three dollar pieces Old Quarter Eagle Mormon Piece Quarter Eagle Georgia 4 Eagle North Carolina Dollar Bechtler Dollar Old One-dollar Piece New “ “ “ California Half Dollar ’ “ Quarter Dollar SILVER COIN. Pine-tree Shilling Quarter Dollar Dollar Half Dollar Dime Half Dime PLATINA, COPPER, & NICKEL COIN. Tkree-cent Piece, (Platina) One “ “ (Copper One “ “ (Nickel) 50 00 20.00 23.50 19.90 19.20 16.00 10.50 10.00 9.60 9.90 9.85 9 85 9.85 9.85 8.00 8.00 5.25 5.00 4. 75 4. 7c 4.75 4.85 4 85 4 75 3.00 2.62 4 00 2.50 2.37 .93 .93 1.00 1.00 .40 .20 GREAT BRITAIN. GOLD COINS. Five Sovereigns Double Sovereign Mohur Guinea Sovereign Half Guinea Half Sovereign Half Sovereign One-third Guinea SILVER COIN. Bank of Ireland Token Bank of England Token Crown Half Crown Three Shilling Token Thirty-penny Token John Robertson Token Florin One-aud-Six-penny Token. . One Shilling Queen Elizabeth Sixpence. . Sixpence Fourpence Sixpenny Token Threepenny Piece Twopenny Piece One-and-a-halfpenny Piece. Onejienny Piece COLONIAL SILVER COIN. .16 .25 1.00 .50 .10 .05 One Dollar (Sierra Leone) . Three Gilders (Demerara). Rupee Quarter Pagoda Quarter Dollar Ha’f Rupee Shilling Two Macutos Half Gilder One-eighth Dollar Quarter Rupee Quarter Gilder Two Annas One-sixteenth Dollar One- eighth Gilder 4 1 UNITED STATES MINT VALUE. 24.10 9.64 C 72 5.00 4 82 2.50 2.40 2v0 1.66 1.00 1 . 00 . 1.00 .55 .50 .40 .40 .45 .22 .22 .11 .11 .07 .06 .05 .03 .02 .02 .80 .73 .40 .34 .22 .20 .22 .20 .12 .11 .10 .06 .05 .05 .03 Serenades to public men not only show that the that he furnished the cash to pay the band man is appreciated, but sometimes proves 42 THE CHRONICLE ALMANAC. ALLIANCE INSURANCE COMPANY OF BOSTON, Mass. ORGANIZED JULY 1st, 1875. Cash. Capital, - - $200,000. GEORGE H. LONG , President . CHARLES R. HO WARE, Secretary. POLICIES ISSUED AGAINST PIEE LOSSES ONLY. AGENCIES IN ALL THE PRINCIPAL CITIES. The man who comes to the depot two minutes behind time, and sees the railroad train scudding out at the other end, derives no satisfaction from the proverb, “ Better late than never.” THE CHRONICLE ALMANAC. 43 COINS— Continued. CANADA. n 6 1 GERMAN STATES. | g SILVER COIN— CONTINUED. Three-and-one-half OildpTR Q O .20 1.30 1.30 .10 Double Thaler .05 Three Gilders 1.06 Crown Thaler 1.00 FRANCE. Crown Crown of Baden 1.00 1.00 GOLD COIN. 9.00 Specie Thaler 1.00 Double Louis D’Or W urtemburgh Crown 1.00 Forty Frarcs 7.64 Old Crown .90 4.50 Convention Thaler .90 Twenty Francs 3.82 Rix Thaler. .90 r J>n Francs 1.88 Six Marks .90 1.10 Bavarian Dollar .90 Rix Dollars. .90 SILVER COIN. Convention Thalers .90 n 1.00 Five Livres .90 1.00 Two-and-a-half Gilders .90 .90 Specie Thaler of Bavaria .90 .50 Four Marks .80 .36 Double Gilder .70 r\ * n .24 Thaler .70 (Quarter urown Thi vH f ftnlq .24 Three Kreutzers .02 .15 Six Pfennigs .01 Plff pnn Ro]q .12 Two Marks .50 .18 Florin .45 .12 Hungarian i Dollar .45 Tw6lv6 Sols .10 24 Marie Groschen .45 Ten Sols .08 Half Specie Thaler .45 .08 Half Specie Thaler .42 Half Franc .08 Two-and-a-half Francs .37 .08 Gilder .35 Fifty Centimes .04 Mark .25 Twenty-five Centimes Quarter Franc .04 Thirty-six Grotes .28 One-third Piece .28 GERMAN STATES, Half Thaler Two Lire .30 .30 GOLD COIN. One-sixth Rix-Dollar .20 Quintuple Ducat 11.00 Thirty Kreutzers .20 .20 Double D’Or 7.86 Half Florin Ten Thaler 7.86 One-third Thaler .20 Carolin. 4.80 Half Gilder .16 Twenty-five Fran ns. 4.75 Ten Schilling .15 Drmble Ducat 4.50 Twenty Kreutzers .15 Ton Gilders 4.00 Twenty Schillings (base) .12 Five Thalers, 3.90 One-sixth Specie Thaler .15 Fred. D’Or 3.90 Twenty Grani .15 Half Carolin 2.40 Six Marie Groschen .12 Ducat 2.20 Half Mark .12 Five Gilders 1.98 Quarter Florin .10 Two-and-half Thaler 1.95 One-sixth Rix Thaler .10 Ten Francs 1.90 Twelve Grotes .10 Twelve Marks 1.55 One-sixth Piece .10 Quarter Carolin 1.18 Four Groschen .10 What fingular contradictions there are throughout nature and life. For example: Salt ■water gives us fresh fish, and hot words produce coolness. 44 THE CHRONICLE ALMANAC. ANNUAL STATEMENT OF THE NEW YORK CITY INSURANCE COMPANY, OF NEW YORK. OFFICE, lOO BROADWAY, January ls£, 1877. As required by the Laws of the State of New York, Passed May 8, 1877. CAPITAL STOCK, ....... $200,000 00 INSURANCE RESERVE, 40,136.84 UNPAID LOSSES, including all other liabilities, . . . 3,000.00 NET SURPLUS, 22,630.63 $265,767.47 $113,875.00 61.000.00 . 66,125 00 6,425.00 . 12.964.93 452.79 . 14,924.75 $265,767.47 JOHN W. SIMONSON, <■ ocrctary. RICHARD L. FRANKLIN, President. Assets. U. S. Government Bonds, 5-20s, U. S. Government Bonds, Currency Sixes, U. S. G >verument Bonds, New Fives, N. Y. Gu ira ity Indemnity Co. (Stock) Ca-sh in Bank and Office, Ac rued Interest. .... Premiums due and unpaid, Scorn to do a mean action. 1849. “OLD AND TRIED.” 1877. GLENS FALLS INSURANCE COMPANY, GLENS FALLS, N. Y. R. M. LITTLE, President. J. L. CUNNINGHAM, Secretary. Fifty-Fifth Semi-Annual Statement, July, 1877. Finarcial condition of tTo Company ns found on actual examination by the Insurance Department oF the State of New York, and as reported by the Honorable, the Superintend- ent th re >,', -July 31st, 1877, and m also shown by the sworn statement of the Company ’a officers, filed in sai .1 department at that date. CASH CAPITAL, .... Reinsurance Reserve, (New York Standard,) . Unpaid L "sses — all claims. Reserve for Contingent Fun 1, Not Surplus over all actual or contingent liabilities including Capital, $200,000.00 257,456.44 11,647.00 14,212.75 , 320,000.00 Total Cash Assets, ..... $833,316.19 This Company conducts all its business under theNsw York Safety Fund Law, (passed April 16th, 1374,) under wnich law it has the following specific funds. Guaranty Surplus Fund, . . , ; $160,000.00 Special Reserve Fund, .... 160,000.00 Statement in detail tarnished by Agents, or from Home Office on application. Moments of’triumph are not always moments of happiness. THE CHRONICLE ALMANAC. 49 COINS— Continued. ITALY. SILVER COINS — CONTINUED. Lira Cue-fifth Scudo of Lucca. . . . Sicilian Lira Fr.iuc Livre Drachm i (Greece) Twenty Grani Two Carlin Half Testoon Half Drachmi, (Greece) Ten Soldi Quarter Testoon Fifty Centimes Ten Grani Carlin Seven Soldi Five Soldi Q <3 .18 .18 .16 .16 .16 .15 .15 .15 .14 .07 | .07 .07 .07 .08 ! .06 I .05 .04 SWEDEN, DENMARK AND NORWAY. GOLD AND SILVER COINS. Eight Marks Specie Dollar Rix-dollar .... Specie Dollar Old Ducatoon Six Marks, (old piece) Forty Schillings Four Marks Half Rix-dollar Oue-tifth Specie Dollar, (base). . . . Half Specie Dollar One-fourth Specie Dollar Sixteen Skillings, (base) Twenty-four Skillings Twelve Skillings, (base) Twen y Skillings* Double Ducat Eight Skillings Twenty-four Skillings, (base) .... Two Skillings, (base) Twelve Skillings Eight Danish Skillings Eight Skillings Four-Skillings Two Skillings 1.10 .98 .98 .98 .90 .73 .60 .48 .48 .20 .44 20 .10 .10 .10 .05 4.40 .08 .06 .05 .04 .03 .02 .01 NETHERLANDS AND HOLLAND. NETHERLANDS AND HOLLAND. SILVER COINS— CONTINUED. Ducatoon Rix-dollar Two-third Rix-dollar Thirty Stivers Specie Dollar Rix-doJJar Thirty Stivei s Half Rix Dollar Two-thirds Thaler Gilder Ten Stivers One sixth Rix-dollar Six Stivers Five Stivers Eight Stivers, (base) Six Stivers Half Rix-dollar Quarter Floriu Two Stivers RUSSIA AND POLAND. GOLD AND SILVER COINS. Imperial Five Roubles Rouble-and a-half Rouble . Fivo Zlot Half Rouble Thirty Kopeks Two Zlot Twenty-five Kopeks Twenty Kopeks One Zlot Ten Kopeks Five Kopeks TURKEY. SILVER AND GOLD COINS. Twenty Piastres Five Drachmi Utchlik Half Altilik Altmichlik Piastre Half Drachm Twenty Drachmi SILVER COINS. Silver Lion Three Gilders Crown ( f Zurich. . . Specie Dollar .98 1.06 .98 .98 TRIPOLITAN AND JEWISH COINS. Ghersh of Tripoli Fifteen-cent Piece Three-cent Piece o o .90 .90 .60 .56 .98 .90 .56 .38 .34 .18 .15 .09 .08 .06 .06 .42 .10 .03 4.00 3.95 1.07 .78 .50 .35 .18 .18 .13 .10 .10 .05 .03 .86 .80 .10 .10 .05 .04 .08 3.40 .10 .15 .03 An intelligent Crispin, hearing the question “What will Ir come of the last man?” says that manuiacturi 11 g shoes by machinery is kuoc ng him out of the business. 5o THE CHRONICLE ALMANAC. THE HANOVER FIRE INSURANCE CO. , AT ITS Office No. 120 Broadway, In the City of New York and through its regularly appointed Agents in all the principal Cities and Towns of the United States, is prepared to insure all des- criptions of insurable property against LOSS OR DAMAGE BY FIRE, at adequate rates of premium, and upon approved forms of Policies. THE GROSS ASSETS OF THE COMPANY CONVERTIBLE INTO CASH ARE $ 1 , 642 , 882.69 Cash Capital, ..... $500,000 00 Re-insurance Fund (as required by law), . 525,127 30 Outstanding Liabilities, .... 108,362 15 Net Surplus, ...... 509,393 14- Total Assets, Jan y 1, 1876. . . . $1,642,882 59 The HANOVER was incorporated in the year 1852, and during the twenty- four years which has since elapsed, has paid losses to its POLICY-HOLDERS amounting in the aggregate to over $ 4 , 275 , 000 . 00 . BENJAMIN S. WALCOTT, President. I. REMSEN LANE. Sec’y. THOMAS JAMES, Actuary. C. I. ROE, Ass’t Sec’y. Systematise your business and keep an eye on little expenses. Small le 4s sink a great ship . THE CHRONICLE ALMANAC. 5i THE FIRE FIEND. It is well known that many large conflagrations have had their origin in crimi- nal carelessness. The man who thrusts a flaming torch into a powder magazine without anticipating the result would be adjudged a lunatic. Yet many men who are apparently sane frequently do that which is equally certain to produce almost similar consequences. The flaming oil lamp and the fuming cigar in a cellar where kerosene is stored, as above illustrated, is only one of the many instances of this class of incendiarism. if the C h R on7 c l l m a nTc7 MABIE, TODD & BARD, manufacturers OF GtOLD pens, pencils, CASES, holders, &C. iso Broadway, P. O. Box 3254. NEW YORK. strrr s - — — every year. testified to by their increased popularity If your Stationer not keep f ^Tr ^ S ° licit a trial of *W Sn0t keep them ’ P lease sen( I d^ect to the manufacturers. description. Pens only, either long or short nib, *o “ Oblique . . # ^ “ Palcon . “ L? gal . Barrel Pens and Holders Rubber Barrel Pens and Holders r „ M pwTf 6d BlrreI Pens ’ lT «7 Holders ' . Gold Plated Ebony Desk Holders 14 3 6 7 00 $2.50 $3.25 04.00 50 3.00 3.75 3.25 4.00 50 3.00 3.50 .. 4.50 5 50 G.75 5.50 G 75 •• 7.50 9.00 11.00 . .50 .75 75 THE CHRONICLE ALMANAC. 53 READ YOUR POLICY. YOUR ATTENTION is called to the necessity for great care in the wording of your policies of insurance, so that iu the event of loss you will find yourself “covered.” The adjustment of loss after fire shows frequently that the policy either did not express in plain terms the intention of the insured, or that he had omitted to be explicit in stating what he wished. As the written portion of the policy is short , read it after receiving it, and note whether or not all you wish insured is named. To illustrate, Mr. A. applies for $3,000 insurance 011 his two-story brick store building, and $1,000 on his stock of drugs contained therein. Attached to the brick is a frame addition in which may be valuable goods ; neither the value of the addition nor of the contents destroyed therein can be recovered, as Mr. A ? s want of care omitted their mention in the contract. If a Grocer, Dey Goods, or other Meechant, see that your stock and its loca- tion is described fully and clearly, and do not be content with insuring your “ Fixtures ,” when your show-case, safe, and store and office furniture may be destroyed in the same fire. If a Druggist, and order a policy on drugs and medicines , your stock of sta- tionery, notions and fancy goods will be “ out in the cold.” If after a fire you find your shelf ware such as jars, salt mouths, tincture bot- tles, gallipots, destroyed and no insurance thereon, your excuse may be “ did not read the policy.” If a Printer, and order a policy written on type and material, do not grumble at the company when after a fir’e you find that you have omitted to insure the press, folding machine, printing paper, ink and other property material to your welfare, but not covered by the had form. If a Hardware Dealer, and order a policy on slock of hardware and cutlery, do no; croak at the company not paying for paints, ropes and cordage which were destroyed. When insuring your dwelling and contents, remember that household furniture does not include your family wearing apparel, books, paintings, silver-ware, piano or sewing machine. Although your Brewery may have a good cellar, better provide for probable loss on ale, beer, kegs and barrels therein, as well as the malt and hops up-stairs. The policy on Saw Mill will be of greater value should you have engine and boiler, fixtures and tools insured as well as fixed and movable machinery. If your Machine Shop or Foundry is destroyed, do not kick yourself too hard when noting that you have omitted to insure patterns, tools, flasks, finished and unfinished work. Excuse yourself by thinking they wero covered under machinery. As “ th re is nothing like leather,” see that your policy on Tannery and con- tents provides for amounts on raw hides, hides in vats, and stock of leather, finished and unfinished. When the Flouring Mill building is burned, you find that the amount in policy on grain will not cover or attach to flour, offal, barrels and sacks destroy- ed. You may quote with old Richard; “Want of care does more harm than want of knowledge. ” Make provision for want in timo of plenty. 54 THE CHRONICLE ALMANAC. Read tour policy, continued. 00NDITI0NS ° F relative to notifying company of change of occupancy, increase of hazard, vacancy of building , etc., and obtain con- sent to same by endorsement on policy. If yon wish additional insurance, permission must be endorsed upon the policy you now hold. Any change in Me should be reported by you to the company Insurance is not a commodity that one can buy and take home with him to eat, to wear, and feel secure in its possession. It is simply the promise of a corpo- ration to pay something upon a contingency. And so it is well that, buying the promise, the individual should be reasonably certain that it will be honored . In th ? 6 da f* ° f LOW 1?ATES ’ let us oppose the company does not know what is an adequate premium, or a proper classification of risks, and writes very much beiow the cost of insurance, so that a much larger propor'ion of its risks burn than is covered by the premiums and capital. The company loses what it has to lose, and the insured lose the rest. It is therefore the extreme of folly for a business man to hunt for the company that will take his risks at the lowest figure, and imagine Itself insured. The company takes his risk to the extent of its capital and the value of his premiums, and he takes the risk of the company’s knowledge of its business and honesty in the pursuit of it. Doubtless you agree with us that property worth owning is worth insuring. READ THE WRITTEN PORTION OF YOUR POLICY TO SEE : 1. That your Other Insurance is permitted. ^ states truly the nature of your Interest in the property • for if it be “ d S ° le °“ ip forUow“ n b 4 3. That if the building insured stands on Leased ground, the fact is stated Pe t m ? S sroa tCfo?TBgr5nld PlOSiVe " P,fhIiTwVl yOU otherwise than by Gas supplied in the usual way from Public Works, or by Candles or Whale Oil, permission is given tl erefor But permi S ssi°om taDdard Ker ° Sene ln dwellm S* is generally allowed without written You MUST PROCURE THE WRITTEN CONSENT OF THE COMPANY 6. If the premises be occupied or used so as to Increase the Hazard. •. J;,9 r if the Risk be Increased by the Erection or Occupation of neighboring buildings, or by any means whatever within your control S ® unoccupied tbe pi ' emiSeS> whether a dwelIiD 8 or otherwise, become vacant or 9. Or if the establishment shall Cease to run or be Occupied. 10. Or shall Run on whole or part Over Time, or Extra hours, or at Night or^by^Le^aKProces^^r^Decre^ 1 ' ^ ° r Possess t°n shall be made voluntarily, 12. Or if you wish to Assign the Policy before a loss. 13. Or if Carpenters or Other Mechanics are Building, Altering or Repairing the premies Though it is customary in the case of Dwellings to allow fivl days for such purposes in any one year, without written permission or notice. th ® “ C1 , asses T pf Hazards” printed on your Policy, and the Condition which refers thereto. It is important. Man may learn wisdom from a postage-stamp. It sticks to its legitimate business. THE CHRONICLE ALMANAC. 55 LEGAL DECISIONS AS TO LIFE INSURANCE. The following decisions have been culled from the latest reports of Life In- surance cases, and are of great interest to the insuring public, to show the rights and duties of the Insured under policies of Life Insurance. Care has been taken to quote the leading and ruling decisions of Courts of last resort. Accident — In an action upon a policy insuring against injury “caused by accident while traveling by public or private conveyance,” the proof showed that the assured after leaving a steamboat, started on foot to a Railway station and while walking slipped and fell, receiving injuries from which she died Held — “An injury received while so necessarily walking in the actual prosecu- tion of a journey, is received while traveling by public or private conveyance within the meaning of the policy.” — Nortlirup vs. Railway Passengers, N. Y. Court of Appeals, 1871. Age of Insured — A misrepresentation as to age though unintentional, forfeits the policy if there is a warranty as to age. — France vs. ZEtna Life, U. S. Su- preme Court, 1875 — 5 Big. 587. Agent of Company — May receive premium if past due and bind Company, provided he is in possession of the official receipts sent to him in the usual course of business. — Mound City vs. Hulb, Supreme Court of Ala., 1873 — 5 Big. 1. Answers in Application, if Warrantees — “All the representations of the As- sured must be substantially true or the policy will be void. It matters not whether the representations are material or not, nor that the party insured made the untrue statements innocently believing them to be true. Nor does it mat- ter that the Agent who procured the insurance for the Company knew the true state of facts. The policy embodies the contract and must speak for itself.” — Foot vs. ZEtna Life, N. Y. Commission of Appeals, January, 1875. If not made warranties by the conditions of the policy, the answers become representations and must be untrue on material points to avoid the policy, Untruthful answers to material questions defeats the right of recovery. — Conover vs. Mass. Mutual, U. S. Circuit, Mo., 1874 — 4 Big. 189. Assignment of Wife’s Policies — Wife’s policies cannot be assigned in most States — In New York it has been held. “ The provision, (Married Women’s Act) is special and peculiar and looks to a provision for a state of widowhood and for orphan children, and it would be a violation of the spirit of the provi- sion, to hold that a wife insured under this act could sell or traffic with her policy as though it were realized personal property, or an ordinary security for money.” — Eadie vs. Slimmon, 26, N. Y. , 9. Held also — “the subsequent legislation of the State of New York, enlarging the legal status of married women, has not rendered inoperative the Act of 1840. ” — Barry vs. Equitable, N. Y. Court of Appeals, 1875. “ Husband,” said the wife of a young clergyman, “read me one of your sermons. I feel dreadfully wakeful to-night, and I wish to sleep.” the chronicle almanac. LEGAL DECISIONS AS TO LIFE INSURANCE, continued ^fl^r? beS “ Iimit ° f “ to be exceeded. amount ($300) from^ii^neang bo° Ul ^ ^ greater and when greater th- nniin , ■ > , , * h ° ex P ended & r such purpose, ^ o/ k ome ^ tZ " 1 contract t^thelr derikll °°| ach feTd^ “ aterial questioas i» just as fatal to the — ^^*£5 iz n i p P r d o r in ’** 5 Big. 36a. See Extension of Tune below Pr3 “ e C ° a “’ 1WS - Directors Responsibility — “ The Director* n f o „ responsible for losses result -n^ from f- . u j rmhc ? cor P or ation, are personally i^r^^-r3Ssr~ JVR a th. — THE CHRONICLE ALMANAC. 5 7 LEGAL DECISIONS AS TO LIFE INSURANCE, continued, der the policy.— Smith vs. Continental, District Court of Phila., 1872, and iiumaker vs. Manhattan, U. S. Circuit Court, Mo.— 4 Big. 421. Grandchildren — May take the share of the deceased parent in a policy, pay a- > to the children of the insured. — Palmer vs. Continental, Supreme Court nn — 5 Big. 37. 'nsurable Interest — The beneficiary under a policy must have a pecuniary erest in the life insured. Wager policies are void. — Kuse vs. Mutual Life, N. Court of Appeals, 23 N. Y. 516. !l person has an insurable interest in his own life. — Walton vs. National Fund 10 N. Y. 32. L creditor may insure the life of a debtor. — Bawls vs. American Life, 27 N. 282. i. father may insure the life of a minor son. Loomis vs. Eagle Life, 6 Gray, L wife may insure the life of her husband by statute and at law. — St. John American, 3 Kern. 31. nterest on Notes upon Paid-up Policies — As to the forfeiture of such poli- 3 for bilure to pay the interest on notes, the decisions are contradictory, forfeiture w as decreed i: the following cases : mderson vs. St. Louis Life, U. S. Circuit Court, Tenn., 5 Big. 527; Patch vs. mix Life, Supreme Court Vt., 1877. lut the policies were held good in the following cases : Irigsley vs. St. Louis Life, Court of Appeals, Ky., 4 Big. 633; Ohde vs. dhwestern, Supreme Court of Iowa, 5 Big. 145; Hull vs. Northwestern, memo Court Wis. 5 Big. 559, n these latter cases, however, it was held that the dividends should have n applied to pay the interest due on notes. Cotice of Premium— Held that upon a policy upon which there were notes L interest payments, the party was entitled to notice of the amount claimed De due to the company, sine such amount varied from year tc year. — Pierce Home Life, Supremo Court of Ills. — 5 Big. 98. Iassachusetts Law of Non-Forfeiture — A policy issued by a Massachusetts ipany before the date of the law 1861, is not governed by it. — Shaw vs. kshire, Supreme Court Mass. — 2 Big. 38. ’ayment of Premium — If made in the manner directed by the company, is d, even though the money be lost in transmission. Where, by direction of company’s agent, money was sent by express and embezzled by the express- 1 , held to be a sufficient payment to the company. — Currier vs. Continental i, Supremo Court, N. H., — 5 Big. 257. lace of the Contract — The place of the contract is usually that in which policy was issued, but where anything remains to be done to give it validity i for example, to be countersigned by the agent — then the place cf that act eemed the place of the contract. — Pomeroy vs. Massachusetts Life, 40 Ills. 398 .8 man who charged David with extravagance for singing “ The trees of tho field shall clap • hands," forgot that there is such things a3 palm trees. 58 THE CHRONICLE ALMANAC. LEGAL DECISIONS AS TO LIFE INSURANCE, continued. Proof of Death — “Proof, as in addition to notice, must mean evidence in some form — such form as i* usual and customary in such cases or as is recog- nized by law, and is calculated to persuade or convince the mind of the truth of the alleged.” — O’Keilly vs. Guardian, N. Y. Court of Appeals, 1875 — 5 Big. 596. Where the insured had disappeared and letters of administration issued by a probate court were offered as proof of death. Held, not legal evidence of the death. — Tisdale vs. Mutual Benefit, U. S. Supreme Court — 5 Big. 596. Disappearance for seven years may raise a presumption of death, but not that the death occurred at any particular time. Upon that point further evidence is necessary. — Hancock vs. American Life, Supreme Court Mo. 476—5 Big. 248. Sunday — P remium falling due upon Sunday may be paid upon the Monday next ensuing.— Campbell vs. International, 4, Bosw. 298. Suicide — D eath from suicide, the result of insanity, will not vitiate the policy unless the same contains the words “sane or insane,” or their equivalent. If the death is caused by the voluntary act of the insured, he knowing and intending that his death shall be the result of his act, but when his reasoning faculties are so far impaired that he is not able to understand the moral char- acter, the general nature, consequences and effect of the act he is about to commit, or when he is impelled thereto by an insane impulse, which he has not the power to resist, the insurers are liable.” — Terry vs. Mutual life, U S. Supreme Court. A different ruling was made by the same court where the policy contained the words “ sane cr insane.” “Nothing can be clearer than that the words were introduced for the purpose of excepting from the operation of the policy any intended self-destruction, whether the insured was of sound mind or in a state of insanity. — Bigelow vs. Berkshire, U. S. Supreme Court, 1867.” Surrender Values — I n the case of the policies forfeited by reason of the war between the states, it has been held that “such failure (to pay premiums) being caused by a public war, without the fault of the assured, they are en- titled ex cequo bono, to recover the equitable value of the policies, with interest from the close of the war.” — Stratham vs. N. Y. Life, U. S. Supreme Court, 1876. Wife’s Policies — (See title Assignments, above.) If there are no children,, an assignment may be made by the wife by deed duly acknowledged in the same manner as to pass her dower right — Laws of New York, 1873. She may sur- render her policy to the company — Laws of New York, 1873. It is doubtful whether a wife’s policy may be r urrendered to the company for value, and at the same time a new policy issued to a creditor upon the same life. Where a wife’s policy, payable to the children, the wife being dead, was surrendered by the husband, and a new policy was issued in favor of creditors : Held that “The cash value of the children’s interest went into and became the consideration upon which the new policy was issued. We think a court of equity ought to treat the substituted policy as in fact belonging to the children.’ — Chapin vs. Fellows, Supreme Court, Conn. — 2 Big. 1. The fellow ihat we-'t < ut rabbit-hunting without success, but on his return bought a stale one ; t the lonrket. was told by his wife, when she got a sniff at it, that he had done well, for | it was high time that that rabbit was killed. THE CHRONICLE ALMANAC. 5g LEGAL DECISIONS AS TO FIRE INSURANCE. The following extracts from the decisions of the courts, are believed to cover the most of those cases which are likely to come up in the ordinary expe- rience of fire underwriting. The space available for these decisions, however, is inconsistent with any other than the briefest possible mention of each case, with the authority ; thus making a kind of index by which, further and more complete information may be obtained upon any of the subjects alluded to. Absolute Owneb. — If insured is not the sole and unconditional owner of the property, or if said property be buildings, the land on which they stand, by a sole and unconditional ownership and title, and it is not so expressed in the written portion of the policy, then the policy shall be void. — Noyes vs. Hartford Fire Ins. Co., 54 N. Y., 668. Application — The application, made verbally or in writing, is designed to give the insurer such knowledge and information of the property that he can j udge accurately of the nature and value of the risk offered ; and as such informa- tion, it is made the basis of the contract. Where the policy made the application a part of the contract, held : the statements in the applications were warranties, and anything therein not literally accurate avoided the policy. — Jennings vs- Chenango Co. Mut. Ins. Co., 2 Denio, 75. The application must represent truly, whatever is material to the risk; but if it was written by the agent of insurer, and he was aware of facts material to the risk and did not set them forth in it, his knowledge will estop insurer from insisting upon the concealment. — Marshall vs. Columbian Mutual Fire Ins. Co., 27 N. II., 157. Assignment of Policy. — An assignment, by terms of all policies, must, to be valid, be consented to bj' the insurer. “ Policy to A. ‘Loss, if any, payable to B.’ Held: An assignment to B., with the assent of the company.” — National Ins. Co. vs. Crane, 16 Md., 260. Brokers’ Agreement. —The plaintiff applied to a broker for insurance. Was told by him the insurance would tako effect from date of application; that the application would be forward "id to the general agent, and if accepted, a policy would be returned. The risk was not accepted, but rejected — after it burned, but before the general agent had knowledge of the fact. Held : That there was no valid contract of insurance between the applicant and the company. — Fleming vs. Hartford Fire Ins. Co., Wis. Sup. Ct. Conditions of Policy. — The plaintiff was an illiterate woman, who applied to an agent of the company to insure her property. She stated to him fully and fairly the nature of her title, paid him the insurance money and in due course received a policy. When the policy was delivered, it was not read to her, nor "When I die, let me be buried within the sound of the hammer, the clang of the workshop, the hum of the mill,” says the candidate in his speech. And then he goes homo and sets himself in the rocking chair while his wife carries the coal out of the cellar to get sapper with. 6o THE CHRONICLE ALMANAC. LEGAL DECISION’S AS TO FIRE INSURANCE, continued, was any notice given to her of its provisions, exceptions, limitations or condi- tions. Held: That tho contract was in fact made and consummated by her before tho delivery of tho policy and in total ignorance of the points ini!; that the money was taken and the policy delivered as upon a valid contract, which though oral, was complete and not changed by any condition in the policy sub- sequently delivered. Judgment for tho plaintiff affirmed.— Ellen McClure vs. The Allemania Ins. Co., Sup. Court of Pa. Concealment of the interest of insured.— It is established by tho law cf every. State, and tho uniform decision cf the courts, that the suppression cr concealment of material intelligence respecting property offered for insurance whether fraudulent or not, vitiates tho policy. “ N was the owner of ono un- divided half of the premises insured. Ho effected a policy in his own namo for his own benefit. He did not disclose his interest. Held: The contract was void.” Catron vs. Tenn. Marine & Fire Ins. Co., G Humph, 176. Of attempts to destroy property.— “ If tho insured was induced to procuro tho insurance because of a rumored attempt to firo tho premises, it must bo disclosed, and a failure in that respect renders the policy void.”— Walden vs. Louisiana las. Co., 12 La. (0. S.) 13d. An adjacent boat builder’s shop took fire and was put out. Insured effected a policy on the premises without disclosing the fact. " Within a few days another fire occurred in the same place and the premises just insured were consumed. Held: Insured could not recover. Bufo vs. Turner. G Taunt, 333 ; 2 Marsh, 46. Excepted Pises.— In this case tho policy excepted from its risks on the pro- perty insured for transportation any loss from fire caus: d wholly or in part by petroleum or other explosive oils. The fire was caused by a collision, whereby a petroleum tank car was emptied on tho ground, and taking fire, destroyed tho Property insured. The court held that the less was within the exceptions, and that it makes no difference how the petroleum was ignited. The policies insured only against fire, and tho excepting clauses released tho company from obligations in such possible fire as occurred.— Imperial Fire Ins. Co vs Far^o IT. S. Supreme Ct. S ’ Insuraele Interest.— This was an action on a policy of insurance, to which the defense was that it was discharged because the insured was not tho solo owner of the property insured. Tho judgment was for the insured, and tho point made here is that the policy provided that it should bo void unless the insured were tho unconditional owners of the property, and that it appeared on the trial that they had leased it for ten years, and were entitled only to a reversionary interest; and it is said that if the insured are required, as they were in this ca>c, to make an express statement of their interest, and they do not, tho insurer is not bound.— Lycoming Fire Ins. Co. vs. Haven dal., U. S. Supremo Court. Keeping and Storing Prohibited Articles. —The insurers have the right to suppose that nothing but the articles specially named in tho application will bo kept or stored upon tho promises. If, therefore, prohibited articles are keot in First friend (paor)—“ Will you do me a great favor ? Second ditto (rich)—" With nleasmv* b it first you have it in your power to render me a great service. Will you’” F F — « pleasure. What can I do for you ?" S. F. — “ Don't ask me for any money.’' c the chronicle almanac. legal DECISIONS AS TO FIRE INSURANCE, continued. ' th ° &ct ia fa,aI to Othee Instance. The privilege of “otter insuranoo without notice till rc ured admits of any amount of additional insurance, prior or subsequent , hout quesjou. Additional reinsuraneo does not void a policy in which such •tice and consent aro not mads conditions precedent “ Iff h n „„,L c- the time the policy was made, knew or other insurance, theCnduLTp'o r C 443 lnSUr “ C0 Was ™™d.--Geibvs. International Ins. Co., 1 Dil wrU.ng. The Supremo Court of the Uaited States bolls, with (ho Courts of palo "fctT ?‘ aTaI j d C< “ °f insurance can bo made lid oi l C l t ° 38a ^ “ makm 3 a P aro1 contract for insurance i 3 lid, and a failure to issue a policy af:er payment nf nmm' • , ’ the action. — Ide vs. Phenix Ins. Co. 2 Bta?m “ U ° defenc0 Pa™ o* Pbekicm.-A neglect to pay the premium voids the policy where frtd expressly given to the insured. And a delivery cf a policy to the Aired, m wmch tne premium is acknowledged to have b-en \ i ,t prevent the insurer from showing that sj premium w^t p^LtTo TCITIVZ 111 “ ade ° f thiS COnditi0a - M ulrey vs. Shawmut iD ™. ? OTt 4“- G eneraily it is the duty cf insured to disclose all ex lures which may affect the risk. When a statement of all the buik „ mm a specified distance of the risk is required of the insured, and ho omifs ^iyo someone ormoro of them in his s^tpmpnf „ / Le omits >ugh the hazard of the risk were not increased by the location o^heVlT , so omitt : d to bo described. Wilson vs. Herkfmer Co. 2t tts Co C N o3; Burntt vs. Saratoga Co. Mut. Ins. Co , 5 Hill, 188. ’ Ascription.— W hen the survey is made part of the conWt thn st correspond with the description in all points material' (o’ the risk-Le" t vs. Market Hire Ins. Co., 39 N. Y. 90. h !Tc E I f OTB “ 0E - Ia case ° f double insurance, without the contribution ISO, the insured may recover from either insurer, or he may hold each hlbie a proportionate share of the loss. -Wiggins vs. Suffolk Ins Co., 18 Pick 145 Aumuo of Buildings, (a) on Sfocfc-After the building fell, and before the Is could be tauen away, a fire occurred, in consequence of which t',„ i e greatly damaged by fire and water. IMd: a loss within the J^ 3 |mlt*lcW Th \ bUU v DS f fell; ft flrs x ^ £>* .© S^r- 0 .? 'S 5i « , d'd a> t*.a « a> g .is a> ® » .2 o S .2 .2 Bs & & £ Be oooo of O 3 00 bo oo co go oo ^ o o o o •2?S eo'gjl ICO 3^-5 £ ! « o . 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Wisconsin. . . West Virginia.. Virginia . . . Vermont . . . Utah Texas Tennessee ...... South Carolina, Rhode Island. . . Pennsylvania .. pq : :m : pq : Oregon Ohio North Carolina. New York New Jersey New Hampshire Nevada . . Nebraska Missouri . Mississippi . Minnesota Michigan Massachusetts . Maryland Maine pqpqpqpqpq pqpqpqpqpqpq Louisiana . Kentucky. . Kansas .... Iowa Indiana . . . MMpqpqpq pqpqpqpqp} pq pq pq Illinois Georgia Florida Dist. Columbia Delaware Connecticut . . . Colorado California Arkansas ' Alabama " lO C) ot O t> CrlCOffJ ooooo !!'!n B -2 £ S o 53 T 1 O oc i? o«oo ooccc 05,bo p£ pq O pq pq pqpq pqpqpq pqdoVqpq s d Si if caS; c/3. 5 3— -7j © sfii SI S silli- es s' 6 Is&sa OO o $8 CONlOlrtOi 52 2 00 GO oo oo oo oo oo 82 THE CHRONICLE ALMANAC. Wisconsin West Virginia.. Virginia Vermont Utah Texas Tennessee South Carolina. Rhode Island. . . Pennsylvania . . Oregon Ohio North Carolina. New York New Jersey . .. MM :m MM :m MMM : : :m : : : M :m : : : :MMM :MM :m pqpqpqpqpq cqpqpqpqcQ pqpqpqpqpq pqpqcqpqM MMMMffl MM New Hampshire Nevada Nebraska Missouri Mississippi : :m : M :m :m Minnesota Michigan Massachusetts .. Maryland Maine MMM m :m M :M MM : MMM : M : M MM : M MM :m MM : M MM :M Louisiana Kentucky Kansas Iowa Indiana :M MM MM : M MM : : Illinois Georgia Florida List. Columbia, Delaware Connecticut Colorado California Arkansas Alabama C: C l Tf ss Igll CO Cl r-< g s s-g 3 £ % ? N f cs o r- o g§?S 3 g£ 3 S 8 >W M :m : : :M : M : M : gg&gs ssess SS BsTffiSsS -10100 i~cc-i R ko T 2> $ r '-2 '2 •I 2 ? K m 53 M fe; 3 f£§s‘£'g .3 £ coa,£ ^ f 0003 ^fgPnMS §6 3 o oc co £0 ■S-g ■SS 8 4 THE CHRONICLE ALMANAC. Wisconsin. West Virginia Virginia . Vermont . Utah Texas Tennessee . South Carolina Rhode Island. Pennsylvania pq pqpq pqpq :pqpq Oregon Ohio North Carolina New York . New Jersey. pq : :pq : pqpq :m : pq : :pq : pqpqpqoqpq pqpq :pq : pqpqpqpqpq pqpqpqpqpq pqpapqpqpq mpqpqwpq pqcqpqpqpq pqpqpq New Hampshire Nevada Nebraska Missouri Mississippi . . . pq pq : pq : pq : pq : pq : Minnesota Michigan Massachusetts Maryland Maine pq : pqpq pqpq pqpq pqpq pqpq : pq pq pqpq Louisiana. . Kentucky. . Kansas Iowa Indiana . . . pq : pqpq pq : pqpq Illinois Georgia . . . Florida. . . . Dist. Columbia Delaware pqpq pqpq Connecticut . . Colorado California Arkansas Alabama pqpq pq : pqpq pq : pq : pq : til 00 ca CC^O GO CO CO GO l> C* th th O* rt Tt Tf CO^O COO hVooV T-T-rH t-Tth go coVnVio' oVod c3Scccoi§ o^Joo^hco 05. Date of Organ- ization . O c3 ^ ? aGS ~ o o c o SBSM o o o o o * is is is £ ©SiOiS® ©*!g>§ O O c xtx£ :0 :oo £o >.o o !ili| .5 c- *2 5 55 >>o o o >, s 3 o > > > g °®©®s ooo o XXS 4 ‘X ooo C.o £ £ £ § £ O O O £ O S3? S5SSSS 9352S2S SS55S22 S2 | pSS-3 •SSSMS id'b’dg) ddd >,3 O C 02 ooo § £ is £.2 £ & is l;®o«a ooo _ w w.O O . 0,0 o 3g!*P*P* P*!*pH SB'S*** ri cj o g fl) oa)o £££ O? GO CO CO CO CJCOC* THE CHRONICLE ALMANAC. 85 mmm MMMM MM MMM :ww :mm MM m :mm MMM MMM :MM :M : MMMMM MMMMM MM mmm : : :m : MMM : M : MMM MMMMM MMMMM MMM :« :mm : :m : : : MM MMMMM M : MM :MM :mm :mm :mm :mm :m : :mmm MMM : MfflfflM MM : :m : :m : :MM :m : MMM MMM MMM :mm :mm :mm :m : :mm :mm MM : MMM : ;m :mm :m : MMM MMM :m : :M : MMM :mm :mm :m : IS11T * 88 £ 8 cS co 8 nsn mis isi 3 888 Q,oo° dodo : MXXX ■ ^ ^ o 8 o o £> “ ‘ o o o ££ £ fi’S . Z (DO 0 O Q O l d) O d ^ O ££^£0 [zi^fc&M ^^iMK l^gga® M . bs ^3^3 bC tn ^ u H o^o£§ . « O O ^ c 3 cj O OfCl ££££0 MMMMM ©O * MMMMM ooooo ooooo || HI m c 3 -« u Jh 3 O c3 agg'S Mt» 020202 CO tH OJ 05 TH 8 S 0880 O 000 ;o •XrXM o o o • o & £ £S§ £ © © © p © £ 6 £m£; $P 28 g iocoio;©^ 8 SSSS c 3 cs c 3 cS ai G 3 5 G G c a g e o 3 m s •2 3 occcE-iPP 888008 oi «w <1 c3 ■ ffi O « 3 oa „ c gfSl s » 0-2 ^ § § 0^3 O o o °ES 3 . 3 .a « o S3 & & W/a2,g,g §w wg p-r; H-g o §2 § W H g -32 s: S lO ^ o o »o ooaoooccoo 33 pia^ 33 33 O 'S3 gW • i- o 33 ,t3 o o a PhE PSPS® 2 g '2 '3 _ oog p g o 33 W 00 GO GO GO GO 00 00 GO 00 00 GO GO GO GC ^ o* S5oS P33K, .O 5 o!> 5^:3 s- 00 00 00 GO ?> 00 Sis ce £ a 92 THE CHRONICLE ALMANAC. THE CENTURY CALENDAR. To find what day of the week any date in this century falls on. Find the year in the table, it being understood that “ 1 ” stands for 1801, “2” for 1802, etc. To the number over the year add the day of the month and the number set opposite the month on the right; divide the sum thus obtained by seven, and the remainder will be the day of the week as numbered above. For leap-years use the figure over the “ L ” on the left of the year for January and February, and the one over the year for the remaining months. 1 2 3 4 5 6 0 January 3 1 2 3 L 4 5 6 February 7 L 8 9 10 11 L March 12 13 14 15 L 16 17 April 18 19 L 20 21 22 23 May L 24 25 26 27 L 28 June 29 30 31 L 32 33 34 July 35 L 36 37 38 39 L August 40 41 42 43 L 44 45 September 46 47 L 48 49 50 51 October L 52 53 54 55 L 56 November 6 57 58 59 L 60 61 62 December 1 63 L 64 65 66 67 L Sunday 68 69 70 71 L 72 73 Monday 74 75 L 76 77 78 79 Tuesday L 80 81 82 83 L 84 Wednesday 4 85 86 87 L 88 89 90 Thursday 5 91 L 92 93 94 95 L Friday 6 98 97 98 99 00 Saturday Example. — On what day did the 10th of May fall last year? Over 76 we find the figure 4, to this add 10, the day of the month in question, aud 4 which we find opposite May; dividing 18 by 7 we have a remainder of 4, which shows that the Centennial Exhibition opened on Wednesday. The number over the year in the table may be obtained without the table, by adding to any year the number of leap-years in the century up to that time and dividing by seven; the re- mainder will be the number required. So, if one can remember the numbers set opposite the months, he can dispense with the use of the table entirely. In the exmple above, the 4 over 76 is found by adding 19 to 76, and dividing the sum by 7, the remainder is 4. For leap-years decrease the number thus obtained by 1 (calling the cipher 7) if the date is in January or February. For the 18th century after 1752, find the day for the corresponding year in this century and add two days. NumDer of Days from any Day in one Month to the same in Any other Month. Jan. Feb. March. April. May. June. July. Aug. Sept. Oct. Nov. Dec. January . 365 31 59 90 120 151 181 212 243 273 304 334 February.. . . 334 365 28 59 89 120 150 181 212 242 273 303 March . 306 337 365 31. 61 92 122 153 184 214 245 275 April . 275 306 334 365 30 61 91 122 153 183 214 244 May . 245 276 304 335 365 31 61 92 123 153 184 214 June . 214 245 273 304 334 365 30 61 92 122 153 183 July . 184 215 243 274 304 335 365 31 62 92 123 153 August . 153 184 212 243 273 304 334 365 31 61 92 122 September ., . 122 153 181 212 242 273 303 334 365 30 61 91 October 92 123 151 182 212 243 273 304 235 365 31 61 November. . . 61 92 120 151 181 212 242 273 304 334 365 30 December... . 31 62 90 121 151 182 212 243 274 304 335 365 Example.— To find the number of days from the 10th of May to the 10th of October follow- ing. Find May in the first column, and then in a line with that under October, is 153 days. If from the lOthof May to the 25thof October, itwould be 15 days more, or 168 days; but if from the 10th of Mav to the 1st of October, it would be 10 days less, or 143 days. In leap-year, when the last day of February is included between the two dates, there will be one day more than by the table. If you post your servants upon your affairs, they will one day rend you. THE CHRONICLE ALMANAC. 93 A SIMPLE RUL3 FOR ACCURATELY COMPUTING INTEREST AT ANY GIVEN PER CENT. FOR ANY LENGTH OF TIME. Multiply th & principal (amount of money at interest) by the time reduced to days-, then divide this product by the quotient obtained by dividing 300 (the number of days in the interest year) by the per cent, of interest, and the quotient thus obtained will be the required interest. ILLUSTRATION. Required the interest of $462.60 for one month and eighteen days at 6 per cent. An inter- est month is 30 days; one month and eighteen days is equal to 48 days. $462.50 multiplied by 48 gives $22,200.00; 360 divided by 6 (the per cent, of interest), gives 60, and $22,200.00 divid- ed by 60 will give you the exact interest, which is $3.70. If the rate of interest in this exam- ple were 12 per cent, we would divide the $22,200.00 by 30 (because 360 divided by 12 gives 30); if 4 per cent., we would divide by 90; if 8 per cent., by 45, and in like manner for any other per cent. BOX MEASURES. A box measure can readily be made by any one who understands the two-foot rule, and can handle the saw and the hammer. A box 16 by 16 % inches square and 8 inches deep, will contain a bushel or 2,150.4 cubic inches, each inch in depth holding one gallon. A box 24 by 11 1-5 inches square, and 8 inches deep, will also contain a bushel, or 2.150.4 cubic inches, each inch in depth holding one gallon. A box 12 by 11 1-5 inches square, and 8 inches deep, will contain half a bushel, or 1,076.2 cubic inches, each inch in depth holding half a gallon. A box 3 by 8)4 inches square, and 8 inches deep, will contain half a peck, or 298.8 cubic in- ches. The gallon dry measure. A box 4 by 4 inches square, and 4 1-5 inches deep, will contain one quart, or 67.2 cubic inches. TO ESTIMATE CROPS PER ACRE. Frame togetner four light sticks, measuring exactly a foot square inside, and with this in hand walk into the field and select a spot of fair average yield, and lower the frame square over as many heads as it will enclose, and shell out the heads thus enclosed, carefully, and weigh the grain. It is fair to presume that the produce will be the 43,560th part of an acre’s produce. To prove it, go through the field and make ten or twenty similar calculations, and estimate by the mean of the whole number of results. It will certainly enable a farmer to make a closer calculation of what a field will produce than he can by guessing. THE SIDE OF A SQUARE TO CONTAIN; One acre 208.17 feet. One-third acre 120.50 feet. One half acre 148.58 “ One-fourth acre 104.36 “ One-eighth acre 73.78 feet. One acre contains 160 square rods, 4,840 square yards, 43,560 square feet. One rod con- tains 30% square yards, 272% square feet. One square yard contains 9 square feet. A league is 3 miles; a mile is 5,280 feet, or 1,760 yards; a fathom is 6 feet; a cubit is 2 feet; a hand is 4 inches ; a palm is 3 inches ; a pace is 3 feet ; a span is 10% inches. A cord of wood has 128 cubic feet; a ton of round timber has 40 cubic feet; a ton of hewn timber has 50 cubic feet; a pile of wood 4 feet high, 4 feet broad, and 8 feet long, makes 1 cord. THE UNITED STATES ANI) ITS TERRITORIES. Table showing the names of the States and Territories, their population, area and capitals, with time of election and term in office of the Governors and Legislatures thereof. 94 THE CHRONICLE ALMANAC. GO OC QO j»XOOQO OOCOOOOOOO §) <1 c-'&y o'c‘ S £ C .C/2 32 -0^0 • s S.g.g g ^53^3 1? ^ ^ | I %£££ ^ o3gg_| CH c3 c3 c3 S hSS Representatives n Congress. . . t- i- 1- ?> t- t- 1- i> *-2 °g^O £«' ■ J, 3 rH £ o .S £ c o o o ft ^ -fl fl I|||h 53 1 5- sS C3 xJ £ggg gggSS r^CSOS'g'g C • ■ • • g « £ £ 8 g £ 2 « & K K c%eheheheh WQrHCiCO £j-g ° 3P c ’S-S £ I s >> 1 ^ c5 s'O c»-5 S3. im *11= ggjj£ <1 o §888 g.o 3^0 Is o o 8 © sisgsg 05 O CO CO CO 00 lO CO i> 1-T CO CO lO 00 CO .al Pgo fell 51 © O T-H l- -J ^ T-; 15 § o? rh oS qotjithc v 6 -r-T Th o of?> io qoqo oj co a SooIhS rtPwSS co 53 S 53 O* T-t CO CO *> zr?£>&£P o^Qoa 2 g)o # 5 § O sjs? .2 ■Cjlgg 3 'S s5 cS.35 THE CHRONICLE ALMANAC. g 5 11111 11111 mu 11111 11 fjljl lllly mil fill! II r^SSS = 2 = =g .= .£ II life II II I iiifi 1 im urn m ii ml i-lili 1 1111 11111 .. 1 1. 111111111 11111111111 mm 11111 mu mu 11111 11 m m m m a 0)0? 3 X> 96 THE CHRONICLE ALMANAC. INDEX. PAGE. Actuaries’ Table of Mortality, 63. Agricultural Fire Insurance Company, Watertown, N. Y 16. Alliance Fire Insurance Company, Boston, Mass 42. American Fire Insurance Company, Chicago, Ills 24. American Fire Insurance Company, New York 48. Calendar 3, 5, 7, 9, 11, 13, 15, 17, 19, 21, 23, 25. Canada Life Insurance Company, Hamilton, Ontario 46. Cartoons — Cause and Effect 27. “ Disagreement of the Doctors 37. “ Fire Fiend 51. “ Applicants for office of Insurance Commissioner 65. “ The situation in Fire Insurance 91. Century Calendar 92. Coins of various countries, 41, 43, 45, 47 49. Continental Fire Insurance Company, New York 28, 29. Commissioners of Insurance Departments 64. Cost of State Supervision 66. Fire Insurance Legal Decisions 59, 60, 61, 62. Fire Insurance Cos., and the States in which they do business, 78, 79, 80, 81, 82, 83, 84, 85, to 90. Firemans’ Fund Insurance Company, San Francisco, Cal 26. First National Fire Insurance Company, Worcester, M.iss 40. Franklin Fire Insurance Company, Philadelphia, Pa 33. German American Fire Insurance Company, New York 20. Girard Fire Insurance Company. Philadelphia, Pa 32. Glens Falls, Fire Insurance Company, Glens Falls, N. Y 44. Gold Pen Manufacturers, Mabie, Todd & Bard, New York 52. Governors and Legisl tures of the several States 94, 95. Hanover Fire Insurance Company, New York 50. Home Fire Insurance Company, Columbu-., Ohio 12. Knickerbocker Life Insurance Company, New York 26. La Caisse Generale Insurance Company, laris, France 40. Legal Decisions Life and Fire Insurance 55, 56, 57, 58, 59, 60, 61, 62. Legislatures, Elections in the various States 94, 95. Life Insurance Companies organized before State s ipervision 68. Life Insurance Companies organized since State supervision 69. Life Insurance Companies Failed under State Supervision 70, 71. Life Insurance Companies in hands of Receivers 72, 73. 74. Life Insurance Legal Decisions 55. 56, 57, 58. Life Insurance Companies and the Stat s in which they do business 75, 76, 77. Liverpool and London, and Globe Fire Insurance Company, England 10. Live Stock Insurance Company, New York 46. Lycoming Fire Insurance Company, Muncy, Pa 36. Milwaukee Mechanics’ Mutual Fire Insurance Company, Milwaukee, Wis 40* Measurements of different articles 93. Mortality Table 63- National Life Insurance Company of the United States, Washington and Chicago 33. New York City Fire Insurance Company, New York 44. Niagara Fire Insurance Company, New York 4. Park Fire Insurance Company, New iork 48. Pennsylvania Fire Insurance Company, Philadelphia, Pa 8. Puenix Fire Insurance Company, New York 18. Population of the World 95. Post Office information 30, 31, 34, 35, 38, 39 . Presidents of the United States 95. Read your Policy 53, 54. Receivers of Life Insurance Companies 71, 72, 73. Royal Fire Insurance Company, Liverpool and London, England 14. Scottish Commercial Fire Insurance Company, Glasgow, Scotland 12. Short Rate Fire Insurance Premium Table 67. Standard Fire Insurance Company, New York 48. S eel Pens — Esterbrook, New York 46. Table of Mortality at various ages 63. The Chronicle 2. UnitedStates Life Insurance Company, New York 6. United States and its Territories 94, 95. United States Presidents and Vice Presidents 95. Vice Presidents of the United States 95. Watertown Fire Insurance Company, Watertown, N. Y 22. UNITED STATES BRANCH OF Liverpool and London and Globe INSURANCE COMPANY. Statement, Dec. 31, 1877. ASSETS. Real Estate Loans on Bond and Mortgage United States Government Bonds New York State Bonds City of Richmond Bonds Mississippi, Pay Warrants South Carolina, 6 % Bonds Alabama 5 % Bonds Cash on hand and in Bank Premiums in course of Collection Bills Receivable, Interest Due and Accrued, etc. PAR VALUE. MARKET VALUE. $1,505,000.00 45.000. 00 5,000.00 20.000. 00 20,000.00 10 , 000.00 $555,000.00 924,719.33 1,630,387. 50 53,100.00 5.900.00 18,000.00 8,000.00 4.200.00 364,430.60 278,819.59 111,343.98 LIABILITIES. $3 959,901.00 Unpaid Losses $203, 212. 02 Unearned Premiums 1,543,985.65 Reclaimable on Perpetual Policies 280,699.41 Life Liabilities 105.658.70 Commissions to become due 58,213.71 Surplus, over all Liabilities. $2,191,769.49 1,768,131.51 INCOME. Net Premiums $2,553,709.62 Interest, Rents, etc.?*; 159.349.70 Total Income $2,713,059.32 EXPENDITURE. Losses Paid $954,466.90 Commission and Salaries . 466,859.06 Taxes, Printing, and all other Expenses 182,590.83 $1,603,916.79 Surplus Income $1,109,142.53 J. E. PULSFORD, Resident Manager. ARTHUR PELL, \ Assistant Managers. CHARLES SEWALL, )