I L L I N OI S UNIVERSITY OF ILLINOIS AT URBANA-CHAMPAIGN PRODUCTION NOTE University of Illinois at Urbana-Champaign Library Brittle Books Project, 2011. COPYRIGHT NOTIFICATION In Public Domain. Published prior to 1923. This digital copy was made from the printed version held by the University of Illinois at Urbana-Champaign. It was made in compliance with copyright law. Prepared for the Brittle Books Project, Main Library, University of Illinois at Urbana-Champaign by Northern Micrographics Brookhaven Bindery La Crosse, Wisconsin 2011 i &PYTOYL[ICALTH" D FOI ' 1LMJ:A1 i-F _ _ ''1%r '° I1111111111111l11 "' 4 IMO4N THE CHARACTERISTICS OF 'THE AETNA LIFE INSURANCE CO. OF CONN., HARTFORD, ARE Rigid Economy, Absolute Security, Prompt Payment of Olaims, and Fair Dealing with all. Its career has been one of continued success; each year's business adding to its resources and strengthening its position, until it has become a OWER OF TRENGTH, and can be trusted by all who desire to take Life or Endowment Insurance. THE AETNA LIFE Furnishes the best form of contracts-and gives the best possible results under them. SURPLUS OVER LIABILITIES, upwards of $5,600,000.00. Si / "Poor Richard's Almanac." T c t' We are pleased to present to our patrons and friends a reprint of the celebrated maxims and apothegms of Ben'amin Franklin, printed in his almanac, which bore the feigned name of Richard Saunders, and hence acquired the title of "Poor Richard's Almanac." Its publication began in the year 1732, and continued twenty-five years. When it 'was brought to a close a collection. of the maxims was publiished in the last number in an address to the readers, entitled "The Way to Wealth." The admirable digest has .een translated into various languages, and is widely known. We reproduce it herewith as follows:THE WAY TO WEALTH. I stopped my horse lately where a great number of people _4 Vere collected at an auction of merchants' goods. The h our of sale not being come, they were conversing on the badness of the times; and one of the company called to alplain, clean old man, with white locks, "Pray, Father Abraham, what think ye of the times? Won't these heavy tixes quite ruin the country? How shall we ever be able to pay them? What would you advise us to ?'" Father Abraham stood up and replied, "If you have my advice, I'll give it to you in short: 'for a word to the wise is enough: aid many words won't fill a bushel,' as poor Richard says." They joined in desiring him to speak his mind; and gathering round him he proceeded as follows:" Friends (says he) and neighbors, the taxes are indeed very heavy; and if those laid on by the government were thiie only ones we had to pay, we might more easily discharge them; but we have many others, and much more grievous to The }Etna Life Insurance Company is one of the strongest financial institutions in the land. Testing its liabilities by the legal standard of the State of New York, it has a surplus above its liabilities of over five millions a*nd a half. A reliable Company. 2 96 7 0 CALENDAR FOR 1883 Being the latter part of the o107th and the beginning of the io8th year of the Independence of the United States of America. Also, the year 7391-92 of the Byzantine Era; the year 5643-44 of the Jewish Era; the year 2636 since the foundation of Rome, according to Varro; the year 1301 of the Mohammedan Era, or the Era of the Hegira, which begins on the 2d day of November, 1883. THE SEASONS. Washington Time. Vernal Equinox, (Spring begins).......................................March 20, 6 h. P. Summer Solstice, (Summer begins) ................................... June 21,... 2 h. P. Autumnal Equinox, (Autumn begins)...............................Sept. 23,... 4 h. A. h. W inter Solstice, (W inter begins) ................................... Dec. 2x,...Io P. M. M. M. M. CYCLES. CHRONOLOGICAL 3 Roman Indiction...... ii G. Golden Number ............ Dominical Letter........ Julian Period..........6,596 Epact....................... 22 Solar Cycle................... 16 EMBER February 14, 16, o....May FIXED x6, AND DAYS. 18, x9....September i9, 22, MOVABLE FESTIVALS.' 13 AND 19, 211 22 18 Trinity Sunday...May Corpus Christi... " 6 Palm Epiphany.............Jan. Sunday......Mar. " 23 Septuagesima Sun. " 21 Good Friday........ Annunciation....... " 25 Quinquagesima " (Shrove) Sunday.Feb 4 Easter Sunday ..... 25 Ash Wednesday..... " 7 Low Sunday........April i Rogation Sunday " 29 ist Sunday in Lent.. " ii Ascension Day.....May 3 St. David.............MarM " St. Patrick.......... " 27 Whit Sunday....... MORNING 22....December 20 24 St. John, Baptist..June 24 Michaelmas Day..Sept. 29 Nov. St. Andrew......... 30 Ist Sunday in Adv..Dec. 2 " St. Thomas......... !2 Christmas...... .... " 25 EVENING STARS. MERCURY will be evening star about January 2I, May 24, and September 'o; and morning star about March 3, July 2, and October 22. VENUS will be morning star till September 2o; and evening star the res: of the year. . JUPITER will be evening star till July 5 and morning star the rest of the year. ECLIPSES FOR THE YEAR 1888. In the year z883 there will be four Eclipses; two of the Sun and two of the Moon. I. A slight Partial Eclipse of the Moon, April 22; only one digit being eclipsed anywhere. Invisible to the larger portion of North America. Visible to the Pacific Coast, Eastern Asia, Australia and Pacific Ocean. II. A Total Eclipse of the Sun, May 6. Invisible. Visible chiefly to the South Pacific Ocean. III. A Partial Eclipse of the Moon, October i5--16. Visible to North and South America and extreme Western portions of Europe and Africa. IV. An Annular Eclipse of the Sun, October 3oth. Visible in part to the Pacific Coast; also to the extreme Eastern edge of Asia, and to the North Pacific Ocean. Beginning at San Francisco at 3 h. 47 m. P. M. ;-the Sun setting at moment of greatest partial eclipse. ETNA LIFE ALMANAC FOR x883. l CONTAINING THE WAY TO WEALTH, OR, POOR RILHARD'S ALMANA 6," BY BENJAMIN FRANKLIN. /* PUBISHED BY THE ETNA LIFE INSURANCE COMPANY, OF HARTFORD, CONN. 1883. : *t, c w ,-, A .. . 3 2 7 8 4 5 19 23 24 25 26 27 .. .. 28 29 30 31 20 .. S 18 19 20 2122 25 26 27 28 0 17 II 18 13 14 19 20 21 22 23 24 25 26 27 28 29 30 31 . ..... 3 .. 4 5 6 7 8 910 II 12 13 14 15 1617 S 9 16 8 13 ..... 1..2 m 3 15 15 22 14 S21 ... 4 .. 6 12 13 14 15 24 19 20 21 .. .. 26 27 2829 22 II i 12 8 19 2526 .. .. 17 9 21 24 16 28293031 .. .. 10 20 5 6 7 .8 9 13 14 15 16 27 4 22 23 .. . .. .. 3 2 10 17 23 24 .. 4 I 8 25 30 1 5 19 CD ...... 20 I 6 7 8 12 13 14 15 21 26 27 3 2 4 2 3 4 5 6 7 I2 13 14 II 8 90 15 16 17 18 19 20 21 8 14 15 21 22 22 28 29 30 31 .. 1 22 28 29 . 5 . " . 6 ...... 1 23 29 3 24 25262728 0 .. .. 6 7 8 .. 1 S13 14 15 .. .. 3 .. 4 5 12 2I 22 28 25 293031.. 23 • . • 25 . 26 . 27 13 I2 1617 18 23 25 26 0 19 20 24 .. 2 27 3 II 0 18 19 20 21 22 23 24 . 24 26 25 26 27 29 30 .. .. .. .. 1.. 2 3 4 5 6 7 8 9 10II 213 14 15 16 17 18 19 20 21 22 23 24 .. 9 Io 5 6 7 8 910o 12 13 14 15 16 17 9 10 II 16 17 18 19 27 7 .. 2 20 z > .. .. . . .. 25 24 ,. .. . .. . .. .. 4 II 6 17 18 23 .. 3 . . 3 9 01 30 31 123.............. .. . . .2 6 61 2 8 7 5 5 12 1 23 .. 7 2 9 10 II2 16 17 18 28 . .. . 29 30 4 2 28 ........ 3 4 5 6 7 8 9 10 I 12 13 1415 16 17 18 19 20 21 22 23 24 25 .... 3031 . . . 26 27 28 29 . . . °. • . . ( THE A.ITNA LIFE ALMANAC. 5 some of us. We are taxed twice as much by our idleness, three times as much by our pride, and four times as much by our folly; and from these taxes the commissioners cannot ease or deliver us by allowing an abatement. However, let us harken to good advice, and something may be done for us: 'God helps them that help themselves,' as poor Richard says in his Almanac. "It would be thought a hard government that should tax its people one-tenth part of their time, to be employed in its service; but idleness taxes many of us much more, if we reckon all that is spent in absolute sloth, or doing of nothing, with that which is spent in idle employments, or amuseSloth, by bringing on ments that amount to nothing. 'Sloth, like rust, condiseases, absolutely shortens life. sumes faster than labor wears; while the key often used is always bright,' as poor Richard says. 'But dost thou love life? then do not squander time, for that's the stuff life is made of,' as poor Richard says. How much more than is necessary do we spend in sleep! forgetting that 'the sleeping fox catches no poultry, and that there will be sleeping enough in the grave,' as poor Richard says. ' If time be of all things the most precious, wasting time must be (as poor Richard says) the greatest prodigality;' since, as hlie elsewhere tells us, 'Lost time is never found again; and what we call time enough, always proves little enough.' Let us then up and be doing, and doing to the purpose; so by diligence shall we do more with less perplexity. ' Sloth makes all-things difficult, but industry all easy,' as poor Richard says; and 'He that riseth late must trot all day, and shall scarce overtake his business at night; while laziness travels so slowly that poverty soon overtakes him,' as we read i'n poor Richard; who adds, 'Drive thy business; let not that drive thee;' and, It is no doubt a fact that death demands thirty millions of mortals annually, which is nearly one for every second of time. Reader, with the possibility that you will be.n ext, you Take a policy should not neglect to insure. in the -EtnaLife. You will not regret it. I~a -> JANUARY. ,l+- LATITUDE LATITUDE BOSTON. NEW YORK. WASH'TON 8 6M. 7 54M. 7 42M. Of Boston; New Eng- Of N. York City; Phi1 15 M. I 3M. o 51 M. land States, State 01oladelphia, State of N 8 3 A. 7 5s A. 7 3 9 A. N. York, Lower Mich- Jersey, Conn., Penn., Dela., Vir2 31 M. 2 19 M. 2 M. igan, Northern Illinois, Maryland, 7 ginia and N. Carolina 42 M. 5 3 o0 M. 5 18 M. Wisconsin and Iowa. t Sun Sun Sun Siun Toon Moon ",. Historical Events. rises sets rises rises sets rises H. M. H. M. II. ,. H. Ml. H.. M. H. IM 1st. NewYear's Day 7 30 4 38 morn 7 25 4 43 morn 2 Tu 0 gr. hlel.lat. S. 7 30 4 39 o 057 7 25 4 44 0 55 3 W Luther excommunicated, 521 7 304 40 1 56 7 25 4 45 153 4 Th Q ~. Com.Vanderbilt died, '77 7 30 4 49 2 55 7 254 46 251 5 Fr Battle of Princeton, 1777 7 30 4 42 3 54 7 25 4 47 350 I 6 Sa 6 Y . Epiphany 7 30 4 43 4 51 7 25 4 48 4 46 7 S Chas. Dickens born, 7 30o4 44 5 46 7 25 4 49 5 41 8 M 9634.7 29 4 45 6 38 7 24 4 50 6 34 9 Tu 9th. 9 perihelion 7 294 46 sets 7 24 4 51 sets Io W # (4. Florida seceded, I861 7 29 4 47 6 52 7 24452 6 55 II Th Alexander Hamilton born, 2757 28 4 48 8 4 7 244 53 8 6 7 12 Fr ( in per. Stanton, Sec'y ofWar 7 28 4 49 9 16 7 24 4 54 9 I6 13 Sa S. P. Chase born, 18o8. [1862 7 28 4 50 10 27 7 23 4 55 0o 26 14 S Battle of Rivoli, 1797 7 27 4 51 II 38 7 23 4 56 II 36 15 M 15th. E. Everettdied, '65 7 27 4 52 morn 7 22 4 57 morn 16 Tu _ 6tV(t. Ft.Fishercapt.'65 7.27 4 53 o 48 7 224 58 045 17 W Pres. Tyler d.,'62 7 26 4 55 I 57 7 215 0 o 53 18 Th Council of Trent reopened, i563 7 25 4 56 3 3 721 5 1 259 S9Fr ; 9 Ophiuchi 2 4 0 7 25 4 57 4 5 7 205 20 Sa itstat. J. Howard died, 1790 I 7205 3 4 56 7 244 58 5 S . LouisXVI. behead. x793 7 245 0 5 51 7 195 4 547 22 M -I23d. 9 gr. el. E. 180 32' 7 23 5 I 6 33 7 195 6 629 23 Tu Coldest day in 1873 7 22 5 2 rises 7 18 5 7 rises 24 W Frederick the Great born, 2722 7 21 5 3 6 51I 7175 8 653 25 Th, stat. Michigan admitted,'37 7 21 5 5 7 51 7175 9752 26 Fr # in per. Inc. Tax repealed,'71 7 205 6 850 7 16 5 8 50 27 Sa a ( :. stat. Audubon d., '52 7195 7 948 7 155 5II 9 47 28 S ([ apogee. Prescott died, z859 18 5 8 10 45 7 14 5 12 10 43 in 7 29 M Kansas admitted, 1865 7 17 5 10 II 43 7 13 5 14 11 40 0 Tu Constitution amended, '65 7 i6 5 12 morn 7 12 5 15 morn 31'V 31st. ? gr. hel. lat. N. 5 16 o .8 7 15 5 13 o 41 7 L. Q. 1 N. M. 9 F. Q. 5 .M. 23 L. Q. t D.° U). .5 ,. A1. 182 6 614:413. 624t 6 h Qin 21 IV 10 11 STHE A.ETNA LIFE ALMANAC. 7 'Early to bed and early to rise, Makes a man healthy, wealthy, and wise.' "So what signifies wishing and hoping for better times? We make these times betterif we bestir ourselves. 'Industry needs not wish,' as poor Richard says; ' Hlie that lives upon hope will die fasting.' 'There are no gains without pains; then help, hands, for I have no lands: or if I have, they are smartly taxed;'. and. (as poor Richard likewise observes) 'He that hath a trade hath an estate, and he that hath a calling hath an office of profit 'and honor;' but then the trade must be,worked at, and the calling well followed, or neither the estate nor the office will enable us to pay our taxes. If we arc industrious, we shall never starve; for as poor Richard says, 'At the working-man's house hunger looks in, but dares not enter.' Nor will the bailiff or the constable enter; for 'Industry pays debts, but despair increaseth them,' says poor Richard. What though you have found no treasure, nor has any rich relation left you a legacy? 'Diligence is the mother of good luck,' as poor Richard says: and 'God gives all things to industry: then plow deep while sluggards sleep, and you will have corn to sell and to keep,' says poor Dick. Work while it is called today; for you know not how much you may be hindered tomorrow; which makes poor Richard say, 'One to-day is worth two to-morrows; and, further, 'Have you somewhat to do to-morrow, do it to-day.' 'If you were a servant, would you not be ashamed that a good master should catch you idle? Are you, then, your own master? be ashamed to catch yourself idle,' as poor Dick says. When there is so much to be done for yourself, your family, and your gracious king, be up by peep of day 'Let not the sun look down, and say, Inglorious here he lies!' Handle your tools without mittens; remember that 'The cat in gloves catches The 1Etna Life has paid to its policy-holders, and their representatives, over.forty-eight millions of dollars. It has on hand securely invested over twenty-seven millions. Its surplus over liabilities exceeds five millions. Its contracts are all non-forfeitable. -y1 FEBRUARY. 8- eo t,: LATITUDE LATITUDE NEW YORK. WASH'TON. Boston; New EngOf Of N. York City; PhiH.M. H.M. 1 14 A. z 2A. land States, State of ladelphia, State of N. 459M. 4 47 M. N York, Lower Mich- Jersey, Conn., Penn., 7 22 A. 7 o A. igan, North. Illinois, Maryland, Dela., VirWisconsin and Iowa. ginia and N.Carolina. .... .. ............. ....... ..... Sun Sun Sun Sun Moon Moon rises sets rises rises sets rises H. M. H. M. H. M. H. M. H. M. H. M. Th Washington first elected, 2789 7 14 5 14 I 39 7 105 18 1 35 2 Fr Charleston captured, 1865 7 13 5 15 2 36 7 10 5 I9 232 3 Sa Greeley born, z81z 7 12 5 17 3 32 7 9520 327 Conf. States organ.'6i 7 II 518 424 OtV(. 4 S 7 85 21 419 5 M gr. lat. N.: d inf. [685 7 10 5 19 5 13 7 7523 5 9 6 Tu d' (. Charles II. died, 7 9520 557 7 6 5 24 5 54 7W 7th. Ash Wednesday 7 8 5 22 sets 7 4 5 25 sets 8 Th J2hp. Peter the Great d., 1725 7 75 23 6 56 7 3 5 26 657 9 Fr ( in perigee 7 6 5 25 8 I0O 7 2 5 28 8 10 Io Sa Queen Victoria crowned, 1840 7 4 5 26 9 24 7 1 5 29 923 II S A.H. Stephens born, z8zz 7 2 5 27 o10 37 7 0 5 30 o1035 [2 M # . A. Lincoln born,.x8o09 7 15 28 11 48 6 585 31 II 45 13 Tu d4J(. E. Allendied, z7 89 7 0 5 30 morn 6 575 32 morn 14 W 14th. Valentine's Day 6 59 5 31 0 56 6 6 5 33 0 52 6 585 32 I 59 15 Th 9 gr. elong W. 460 52' 545 35 I 54 16 Fr Dr. Kane died, 1857 6 56 5 33 2 56 653 5 36 251 17 Sa Columbia, S.C., burn.'65 6 555 35 347 6 52 5 37 3 43 18 S Vermont admitted, 1791 6 53 5 36 4 31 6 51 5 38 4 27 19 M Florida ceded to U. S., 1821 6 52 5 37 5 9 6 49 5 40 5 6 20 Tu 540 T 6 9 r 650 5 38 543 648541 6 46 5 42 rises 21 W . 2Lzt. Revol. in Paris,'48 6 49 5 39 rises 22 Th Washington born, 1732 6475 41 64o 645543 640 23 Fr d6 (. John Q. Adams died,'48 646542 737 6435 45 7 37 24 Sa Robert Fulton died, 1815 6445 43 835 6 42 5 46 8 34 25 S ( in apogee. Battle of Trenton, 6 43 5 45 9 3 640 9 31 26 M Thomas Moore died, x852 [x776 6 41 5 46 10 31 6 39 5 48 1o 28 27 Tu C l. Henry W. Longfellow b., 6 395 47 II 28 6 38 5 49 II 24 28 W Bat. of Long Island, 1776 [1807 6 38 5 48 morn 6 36 5 50 morn BOSTON. D. H. M. N. M. 7 x 26A. F. Q. 4 5 Iz M. F. M. 2 7 34 A. :.. : : Historical Events. X C. 69 0® 6 64(. (stat. 547 ... .. . ........ ....... ......... .. **...° .°................ . . ...... ..... *.. .,. 1 .. .. . . . . . . . . . . . . . . . .. .. .,... . . . . THE A'TNA LIFE ALMANA . 9 no mice,' as poor Richard says. It is true, there is much to be done, and perhaps you are weak-handed; but stick to it steadily and you will see great effects; for continual dropping wears away stones, and by diligence and patience the mouse ate into the cable; and 'light strokes fell great oaks,' as poor Richard says in his Almanac, the year I cannot just now remember. "Methinks I hear some of you say, 'Must a man afford himself no leisure? '-I will tell thee, my friend, what poor Richard says. 'Employ thy time well if thou meanest to gain leisure; and since thou are not sure of a minute, throw not away an hour.' Leisure is time for doing something useful; this leisure the diligent man will obtain, but the lazy man never; so that, as poor Richard says, ' life of A leisure and a life of laziness are two things.' Do you imagine that sloth will afford you more comfort than labor? No; for, as poor Richard says,' Troubles spring, from idleness, and grievous toils from needless ease: many without labor would live by their own wits only; but they break for want of stock.' Whereas industry gives comfort, -a{c ,lam AUGUST. co d, N. M. Q. . M. L. Q. F. . LATITUDE BOSTON. NEW YORK. WASH'TON Boston; New EngOf M. H. N. H.M. 8 42 A. 8 3o A. 8 8 A. land States, State o, o 8 45A. 8 3 3"A.821 A. N. York, Lower Mich. 8 8 o10M. 7 58 M. 7 46 M igan, Northern Illinois, 0 48 M. o 36M. o 24 M, Wisconsin and Iowa. 5 Sun Sun Moon rises rises sets D.H. 2 Historical Events. SW 4: 6 6 2 Th 3 9 . [07. d. Fire at Portland, O. (. 6 Fr Battle of Saar. c 4 Sa Iowa adm., 1846 [briicken, '7 5S First Atlantic Cable laid, 18s8 6 M 61 Ben Johnson died, z 63' (. 7 Tu Berzelius died, 1848 8 W Battle of Mackinaw, z8x4 in apogee. Gen. Lyon killed 9 Th ro Fr [I Sa [2 S [3 M 14 Tu 15 W [6 Th [7 Fr r8 Sa 19 S zo M L Tu 22 W 23 Th Q zoth. (Q. 0 y. : Cuvier born, 24 Fr 24th. 25 Sa d. 26 S 27 M (q. 1769 6ty::66 Herschel d., '23 Castelar elected President, 1873 d (. Bat. ofLong Isl., 177E 4 577 15 749 07 27 4597 II 943 5 5 5 o 7 I7 27 9 14 O010 14 81 0O 49 7 I 28 5 3 7 6 47 4 57 3 6 7' I 77 o 86 58 morn o 12 I 3 2 0 3 2 4 8 5 9 6 57 rises 5 5 5 5 5- 5 01 6 5 126 5 136 5 14 6 5 15 6 55 7 19 54 7 53 52 8 28 51 9 11 5 17 6 46 5 18 6 44 morn. 5 I96 43 41 40 38 36 24 o 20 I 2 3 4 20 22 24 26 IL.8 10 9 18 847 9 15 37 8 945 5 4 7 6 0o 17 5 5 5 57 57 6 7 510 53 411 32 2 morn 5 77 5 87 1 o 16 0 2 7 5 5 9658 o 6 57 2 4 3 6 5 II 6 55 4 11 5 12 6 54 rises 5 13 653 5 14 6 51 5 15 6 50 6 5 16 9 47 5 16 6 48 0o 33 49 4 33 sets 07 58 7 12 3 31 4 597 12 5 5 4 Moon rises H. 30. 4 58 7 14 5 28 Tu 6( [. Brit. Slavery abolished, 5 20 6 29W ~ I [1833 5 21 6 5'226 30 Th Com. Semmes died, 1877 31 Fr 69 . 2d Bat. of Manassas,'62 5 23 6 O Sun Sun rises sets H. M. H. M. I. M. 4 56 7 16 327 4 537 194 30 4 54 7 07 sets 4 55 7 16 7 50 4 56 7 i5 8 18 4 57 7 14 8 46 [186? 5 Thad. Stevens died, 1868 A. Gallatin died, 1849 dT Aldebaran Farragut d., 187c p tV : cl. California admitted, 1850 Hull surrenders, x812 * Ft. Sumter bomb., 1863 x8th. Bat. of Gravelotte, Guerridre captured, x812 [x87c Battle of Cherubusco, z847 ( in perigee in perihelion 9 H. M. H. M. 452 7 20 LATITUDE Of N. York City; Philadelphia, State of N. Jersey, Conn., Penn., Maryland, Dela., Virginia and N. Carolina. 6 7 19 7 54 8 30 48 9 9 5 17647 5 18 6 45 5 r9 6 44 9 50 0o 37 11 28 5 20 6 42 morn 5 21 6 41 0 24 5 22 6 39 I 24 5 23 6 37 2 26 5 24 6 36 5 J 25 6 34 3 27 4 28 1. THE .ATNA. LIFE ALIMANAO. 21 'Get what you can, and what you get hold; 'Tis the stone that will turn all your lead into gold,' as poor Richard says. And when you have got the philosopher's stone, surely you will no longer complain of bad times, or the difficulty of paying taxes. "This doctrine, my friends, is reason and wisdom; but, after all, do not depend too much upon your own industry, and frugality, and prudencethough excellent things; for they may be blasted without the blessing of Heaven; and therefore ask that blessing humbly, and be not uncharitable to those. that at present seem to want it, but comfort and help them. Remember Job suffered, and was afterwards prosperous. "And now, to conclude, ' Experience keeps a dear school; but fools will learn in no other, and scarce in that; for it is true we may give advice, but we cannot give conduct,' as poor Richard says. However, remember this, 'They that will not be counseled cannot be helped,' as poor Richard says, and further, that' If you will not reason, she will surely rap your knuckles."'" Thus the old gentleman ended his harangue. The people heard it, and approved the doctrine, and immediately practiced the' contrary, just as if it had been a common sermon; for the auction opened, and they began to buy extravagantly, notwithstanding all his cautions and-their own fear of taxes. I found the good man had thoroughly studied my Almanacs, and digested all I had dropped on those topics during the course of twenty-five years. The frequent mention lihe made of me must have tired every one else; but my vanity was wonderfully,delighted with it, though I was conscious that not a tenth part of the wisdom was my own, which he ascribed to me: but rather the gleanings that I had made of the sense of all ages and nations. However, I resolved to be the better for the echo of it; and though I had at first determined to buy stuff for a new coat, I went away, resolved to wear my old one a little longer. If you desire to provide for your family in case of death, and at the .same time secure for yourself a sure support in old age, apply to the }Etna Life Insurance Company for information respecting its endowment policies. They are what you want. 7- LATITUDE S BOSTON. NEW YORK. WASH'TON Boston ; New Eng- Of N. York City; PhiOf H.. h. U. W. 55. 5. N.M. x 9 30M. 9g8M. 9 6M. land States, State of ladelphia, State of N. N. York, Lower Mich. Jersey, Conn., Penn., F. Q. 9 x 54A. x 42A. '3oA. F.M. 4 57A. 4 45A. 4 3 3 A. igan, North. Illinois, Maryland, Dela., VirWisconsin and Iowa. ginia and N.Carblina. s-a 8 .M. 7, g M 7 43 M. L.0. Sun Sun Moon Sun Sun Moon S: Historical EventD sets sets sets sets rises Vents, rises DI. H. M. H. M. H.. . H. M. H. M. H. M1. 5 26 6 32 sets 5 24 6 34 sets I Sa Battle of Sedan, 1870 2S zst. O 2 d6 < 525 6 33 6 49 5 27 6 31 6 49 3M in aphelion: 6 5 26 6 31 7 16 5 28 6 29 7 17 4 Tu General Morgan killed, 1864 5 27 6 29 7 45 5 29 6 28 7 47 5 W (in apogee. Conf. invade Md., 5 28 6 28 8 16 5 306 27 8 19 6Th (gl. Warsawtaken, 3 x ['62 5 29 6 26 8 49 5 31 6 25 8 52 5 3o 6 24 9 25 5 32 6 23 9 29 7 Fr Battle of Belmont, x861 10 5 32 6 23 10 6 5 33 6 21 8 Sa Capture of Sebastopol, 855 0. 76 W. is.torical 0: 0 18 10 9 S 10 M I I Tu I2 W 13 Th 14 Fr 9th. California admitted, 5 33 Perry's victory, x8x3[1850o 5 34 5 35 gr. elong. E. 260 49' Marshal Bliicher died, 5 36 9 5 37 N. ? gr. elong. hel. lat. Wellington died, 85s2 5 38 18, 6 21 10o53 6 19 II 46 57 5 34 6 19 o10 5 35 6 18 II 50 6 17 morn 6 16 0 45 6 14 I 48 6 12 2 55 5 15Sa Gen.ScotttakesCityofMexico, 5 39 6 1o 4 5 16 S ( 66 0 [=847 5 40 6 9 5 17 TMt. Cenis Tunnel opened, 5 41 6 7 rises 17 M ,. 366 6 morn 5 37 6 15 o 49 5 386 14 1 51 2 57 5 39 6 II 5 406 9 4 6 5 17 6 rises Tu in perigee [1871 9 W Garfield died, z881 20 Th6 t: c 9O sup. 21 Fr 2. Emmethanged, 1803 22 Sa Pope Clemens XIV. died, 2774 23d. Autumn begins 23S stay.: 6dc 24M 542 6 5 7 2 5 41 6 5 42 6 5 436 5 7 5 43 6 3 7 45 5 446 3 7 48 5 446 2 8 30 5 456 I 25 Tu 6< ). 26 W Philadelphia taken, 1777 5 50 5 52 0 17 19 5 51 5 5 I 5 52 5 49 2 20 16th. 1 8 4ty. tl (3 ( Mountmorriskilled,'8o Th First Railroad in England, z825 28 'r Strassburg surrendered, x870 29 Sa 6 6 . Michaelmas Day 27 30 S Whitfield died, 1770 5 45 6 o 9 20 15 5 47 5 58 10io 6 5 48 5 5 II 15 5 49 5 54 morn 8 4 8 34 24 5 47 5 58 10 19 5 485 56 II 19 5 46 5 59 9 549555 morn 5 50 5 53 O0 21 5 51 5 5 5 53 5 47 3 21 5 525 49 5 53 5 48 5 54 5 45 5 55 5 44 4 20 5 I8 5 545 46 5 55 5 44 I 22 2 22 4 21 5 I8 3 22 C. THE .ETNA LIFE ALMA NA'. 23 Results Made Sure. The ultimate results of business ventures and speculations are generally, if not always, contingent upon the life of the party engaging in them. It does not matter how small or how great.a man's enterprises are if he makes sure of results Everything for commensurate with his undertakings. which a man would labor if hlie lived is in danger of being lost by his death, unless his family is protected by insurance upon his life. Every human life capable of producing an income, either by labor of the hand or the brain, has a pecuniary value which is the legitimate property .of those dependent upon that life-or who may be benefited by its continuance. Such lives are the capital and income of the possessor, and are as much an object of insurance as that of property against fire-and are more important because of the greater value, pecuniarily, to be replaced. The risk of loss by fire does not naturally increase from year to yearthe event feared may never occur: the chances of death are always considerable, and increase with age-and in the end is a certainty. If you are a speculator, by all means do not venture the support of your wife and the education of your children in your investments. Provide for them a reasonable amount of life insurance in a sound company. It may prove to them a greater blessing than you now anticipate. If you are a business man you should not risk your all-and the future happiness of yourself and family-upon the possibility or probability of your success. If you are a professional or salaried man, and your loved ones are dependent upon your yearly income, you should not neglect to secure for them an amount which will provide for their necessities. If you are a mechanic or farmer, please heed our advice, and create an estate for those who are laboring so assiduously with you. They will bless you in after years for your wisdom and forethought. If yoh are a single man, and have no one dependent upon you, secure for yourself an endowment policy which will be available in cash, and will be a sure support in old age. In short, all men, in every walk of life, can benefit others and make themselves happier by investing in a sound and reliable company like the ETNA LIFE. LATITUDE LATITUDE NEW YORK. WASH'TI, Of Boston; New Eng- Of N. York City; Phi0 58M 4 6M. 5 23 M. 5 zz M. land States, State of ladelphia, State ofN. 1 49 M. 1 3 7 M. N, York, Lower Mich. Jersey, Conn., Perin., Maryland, Dela., Vir6 22 A. 6 zo A. igan, North. Illinois, 7 A. 6 4 9 A. Wisconsin and lowa. ginia and N.Carolina. Sun sin Moon Sun Son Moon rises sets sets rises sets sets H. M. H. M. H. M. H. M. H. M. H. M. .- 5 56 542 sets 5 565 42 sets xM Ist. d ? . 2 Tu Maj. Andrehang'd, x7 8o. 5 57 5 40 6 17 5 57 5 41 6 19 5 58 5 38 6 49 558 5 39 6 52 3 W Jewish New Year, 5644. 4 Th 6 iO inf. Battle of Corinth, 60 5 37 7 25 559 5 38 7 29 [1862. 6 1I5 35 8 4 6 0 5 36 8 8 5 Fr Tecumseh killed, 1813. 6 Sa Jenny Lind born, 182o. 6 2 5 34 48 6 1 5 35 8 52 6 3 5 32 9 38 6 2 5 33 9 42 7S Wm. Penn landed, 2662. 8M Battle of Perryville, 1862. 6 4 5 30 10 33 6 3 5 31 10 37 5 5 28 II 32 6 4 5 29 II 36 g 9th. Chicago Great Fire, 6 9 Tu 6 5 5 28 morn [0o W First Overland Mail, 858. [1871. 6 65 27 morn 6 75 25 o 35 6 6 5 26 0 38 [I Th Bahamas discovered, 1492. [ 2 Fr Gen.R.E.Leedied, 187o. 6 9 5 24 I 42 6 7 5 25 I 44 6 10 5 22 2 51 6 8 5 23 2 52 13 Sa Battle of Queenstown, 1812. N BOSTON. N.M. 1 io M. F. Q.9 5 35 M. F. M. 6 2 i M. L. Q. 22 6 3 4A. N.M. 30o 7 x 3 A. B. S Historial 6 8 (0. [4 S Battle of Jena, 18o6. IM [5 (T [6 Tu stat. Partial 126th. ( ( in perigee. 17 W #inperihelion: 6 t.t 18 Th St. Alban's Raid, 2864. [9Fr 6 h(. r1up. o Sa 2I S 22 M 23 Tu 24 W 25 Th 26Fr 27 Sa 28 S 29 M 30'1'lu 31 V 6 I1I 5 20 Eclipse. 4. ( 0. Sheridan'sride, 1864. 4 12 5 18 6 13 5 17 6 15 5 15 5 6 6 16 5 14 6 175 12 6 Battle of Trafalgar, 18 6 20 5 s8o5. gr. elong. W. 280 64 ([: 8 ." '1 9 g. 1864. rises 6 19 7 io 8 6 9 80 9 5 I 6 21 5 [22'. 6 22 5 _ 6 23 5 Webster died, 1852. 6 24 5 Philadelphia settled, 2682. Moltkeborn, 8oo00. 6 25 5 6 (: Q: gr.hel. lat.N. 6 26 5 6 28 4 Earthquake in Lima, 1746. W.Raleighexecut'd,1618. 6 29 4 6 304 '3oth. a inapogee: 6 32 4 . Nevada admitted, 22d. I83 8 6 9 II 12 10 5 rI 5 6 12 5 6 135 22 4 3 20 5 17 6 14 5 6 155 6 16 5 6 17 5 16 7 6 6 6 I8 19 rises 17 -6 8 II o 83 13 9 5 IO II 5 58 57 0-14 I 15 2 i4 3 13 4 I1 5 8 6 5 6 6 6 6 6 6 6 55 sets 6 28 4 58 2 0 59 15 9 morn 6.. i9 5 20 22 23 24 25 26 27 10 80 14 6 morn 3 23 14 5 7 6 5 5 5 5 4 5 2 5 0 4 59 o i6 I 17 2 15 3 4 80 5 6 6 2 13 sets THE A'TNA LIFE AL MA NA C. 25 The Renewable Term Plan. The renewable term plan of insurance, copyrighted by the LETNA LIFE INSURANCE COMIPANY, upon which it commenced the issuance of policies fourteen years since, has become very pqpular. Since the year 1868, the date of the first policies issued upon this plan, the company has accumulated sufficient surplus to enable it to renew them for the second term of ten years without any increase of premium over that first charged-thus affording to the insured under that plan cheaper insurance than could have been obtained under any other form of policy, or in any other company. The plan requires only a minimum rate; it avoids the necessity of taking large premiums for the sake of paying large dividends; it gives all the advantages obtainable under more expensive policies. It is peculiarly adapted to those who desire to secure the largest amount of insurance at the least possible cost; to those who want immediate protection, but are not ready or able to pay for endowment or other plans more expensive, and for those who wish insurance for a limited time, or for a specific purpose. The accumulations under this plan of insurance are kept distinct and separate, and the insured receive the benefit of it by the application of the surplus at stated periods. Growth of the ~Etna Life Insurance Company. The history of the 1Etna Life Insurance Company has been a record of extraordinary success,-gained by enterprise, integrity, and good faitlh. The following exhibit of assets shows the company's growth, and indicates the popularity it has attained:Year Assets. Year. Assets. 1863. ........ $310,492.04 1873 .......... $18,077,541.66 1864............431,236.02 1874..........19,204,787.02 1865... ... 881, 578.71 1875............20,657,603.56 1866..........2,036,823.05 1876......... 22,092,734.32 1867........... 4,401,833.86 1877 .... ..... 23,357, 648.95 1868 ..... ....,538,612.35 1878 ....... ..24,141,125.70 7 1869........10,350,512.22 1879............25,120,804.24 13,089,837.30 1880...........25,636,195.41 1870 ......... 1871.........15,061,529.12 1881.......... 26,403,440.68 1872 ......... 16,640,786.24 1882..... ..... 27,055,884.76 ... MOON'S PHASES. LATIT UDE I LATITUDE. BOSTON. NEW YORK. WASHTON Boston N Of New Eng- Of N. York City; PhiH.M. H.M. H.N. States, State of ladelphia, State of N 7 8A. 6 56 A. land F. Q. 7 72A. Mich- Jersey, Conn., Penn., Lo\ 4x M.. 53 M.. F.M. 4 North, Illinois, Maryland, Dela., Virigan, L.Q. 21 8 59 M. 8 4 7 M. 8 3 5 M. giniaand N.Carolina Wisconsin a nd Iowa. 46 A. I 58 A. N.M. 29 2 1o A. Sun Moon Sun Moon Sun Sun . D. sets rises sets sets Events. rises sets H. M. H. M. H. M. H. M. H. M. H. 1. I Th 6Aldebaran. AllSaintsDay. 6 33 4 54 6 3 6304 57 6 7 6 34 4 53 6 46 6 30 4 56 6 50 2 Fr Pres. Polk born, 6 35 4 5I 7 33 6 324 55 7 37 3 Sa Black Hawk died, 1838. 6 36 4 50 8 26 6 334 53 830 4 S Geo. Peabody died, 1869. 927 923 635452 5 MI Kepler died, 1630. 6 38 4 49 23 6 364 51 Io 26 6 40 4 48 6 Tu Gen. Meade died, 1872. 6 374 50 iI 28 6 41 4 47 II 26 7th. Pensacola taken, 7 VAT D. 1 . we. ver 11'29vM.N.York, Historical x795. I0 '4. 8Th ' 9 Fr to Sa I S M 13 Tu 4 W [ 12 [ Slidell and Mason capt'd, Boston Great Fire, x872. [1861. Martin Luther born, LucretiaMott died, i88o. tp. O. Atlantaevacuat'd, z864. 13 . ,( in perigee. [1708. z 04th. dtV 1483. 6 45 4 42 Q 4 4 5 4 Th Fr ( . 29th. H.Greeley d., 1872. Gen. J. C. Davis d., 1879. 2 50 4 4 6434 45 4 2 5 19 6 444 44 5 6 49 4 39 rises6 45 4 43 rises [1748. 7 in apogee. o 33 1 40 6 46 4 41 6 48 4 40 7 Tu Stereotyping invented, 1715. W 8 h .Wash'tonlIrvingdied,'59 7 M 6 38 4 49 morn o 32 639448 I 40 .. 6 41 4 47 2 51 6424 46 6 44 4 43 dZ I.LordChathamb., 6 504 15 T 6 52 4 6 Fr Boston Tea Party, z773, I7 Sa Bank of England founded, 1693. 6 53 4 [1497. 6 54 4 [8 S Wolsey died, 1530. 19 M Cape of Good Hope doubled, 6 55 4 20 Tu Chief Justice Cockburn died,'8o. 6 56 4 2xst. t stationary. [1791. 6 58 4 21 W San Domingo massacre, 6 59 4 22 Th 04 23 Fr 6 6 Q. Pres. Pierce born, 1804. 7 7 I 4 24 Sa France an Empire) 1852. 25S 6 0 sup. Isaac Watts died, 7 3 4 26 27 28 29 30 morn 6 42 4 45 6 43 4 44 7 7 6 4 7 4 8 4 ................................ 16 5 48 6 464 43 39 38 37 36 35 0o 2 6 494 41 650440 6 51 4 40 34 II 5 5 52 6 52 439 6 49 6 484 42 6 53 752 857 34 .morn 33 o 6 7 56 9 I I0 5 11 7 6 54 4 38 morn 6 554 38 o 7 I 6 6 56 4 37 32 31 31 31 30 30 29 I 6 2 4 6 574 37 3 I 658437 33 2 3 259 3 58 6 594 36 3 56 455 5 53 7 7 0436 452 1 4 35 5 49 ...... Ssets 7 2 4 35 sets 5 30 7 34 34 5 34 ~iI THE ETNA LIFE ALMAANAU. 27 SInterest, Death-Claims, and Expenses. A life insurance company, to be successful, must keep its expenses low, receive a liberal rate of interest, and exercise proper care in the selection of its risks. In these three important particulars the ETNA LIFE INSURANCE COMPANY has no superior. During the years 1877, 1878, 1879, 1880, and 1881, its receipts from interest alone considerably more than paid its death-claims. Very few companies are able to produce such, favorable results. The .LETNA's experience in this respect during the past five years is as follows:. $1,527,307.70 Receipts from interest in 1877, . . 1,121,083.96 . . Death-claims paid in 1877, . Interest in excess of Death-olaims, . $406,223.74 Receipts from interest in 1878, Death-claims paid in 1878, .. . . $1,617,764.91 1,091,268.63 . $526,496.28 . . Interest in excess of Death-claims, Receipts from interest in 1879, Death-claims paid in 1879, . . . . . . $1,856,710.46 1,376,527.43 . $480,183.03 . . . $1,586,683.06 1,136,454.63 Interest in excess of Death-claims, . $450,228.43 . . . . . . $1,456,664.71 1,231,680.36 Interest in excess of Death-claims, . $224,984.35 Interest in excess of Death-claimns, Receipts from interest in 1880, Death-claims paid in 1880, . .. Receipts from interest in 1881, Death-claims paid in 1881, . . SIR WALTER SCOTT was not only a versatile, prolific, and interesting writer, but lhe was a sensible business man. He left the legacy of his genius to all mankind, but he left to his family, among other practical remembrances, life insurance in Scotch companies to the extent of one hundred thousand dollars. ONE grain of iodine will impart color to seven thousand times its weight of water. One companion, one habit, one book may affect the whole of life and character. One substantial life insurance has made all the difference to many a family between penury and plenty. +@ DECEMBER. EL/ 1 1 1 %J G WASH'TON YORK. BOSTON. NEW Of'Boston; New Eng. S5. M. H. 5f. H. M. land States, State o1 F.Q. 7 7 2M. 6 5o M. 6 3 8M 20 F.M. 23 10 44 A. zo 3 2A. 0zo A. N. York, Lower Mich. igan, North. Illinois L. Q. 1 3 24 M. 3 12M. 3 oM Wisconsin and Iowa, 8 4 M. 2 M N.M 9 .8 6 M. M 7 5 D. 1 . Dt. w. Historical Events. /-sorlca[ Eventrs. Sun sets Moon un sets sises LATITUDE Of N. York City; Philadelphia, State of N Jersey, Conn., Penn. Maryland, Dela., Virginia and N.Carolina Sun sets rises Sun oon sets M. H. M. H. M. H. Mr. H. M. H. M. H. i Sa Q . Sumner enters enate, 7 94 29 6 21 7 44 34 6 25 7 16 7 5 4 33 7 20 [1851. 7 10 4 28 2 S John Brown hung, 4 28 8 15 7 6 4 33 8 18 7 3 M Illinois admitted, xiS8. 7 13 4 28 9 I7 7 7 4 33 9 20 4 Tu Gein. Kilpatrick died, x88i. 4 28 10 2i 7 8 4 33 10 23 7 5 W Pres. van Buren born, 7 154 28 11 27 7 9 4 33 11 28 St. Nicholas. 6 Th 4 33 morn 7 7th. Seth Adams died, '73 7 16 4 28 morn 7 Fr 7 174 28 0 34 7 11 4 33 o0 34 8Sa FatherMatthewdied, 1857. 44 7 12 4 33 I 43 [186s. 7 174 28 9 S Milton born, i6o8. John A. Dix Sec'y of Treasury, 7 18 4 28 2 56 7 134 33 2 54 [I Tu 6t..a. Indiana admitted, 1816. 7 19 4 28 4 8 7 14 4 33 4 5 7 204 28 5 19 7 15 4 33 5 13 (inperigee [2W ?inaphel.: T: x3th. Bat. Fredericksb'g, 7 21 4 28 629 7 15 4 33 6 25 l 13 Th 7 16 4 34 rises Washington d., 1799.['62. 7 22 4 28 rises [4 Fr 7 224 29 6 35 7 17 4 34 6 39 15 Sa Gen. Wayne died, 1796. [6S d ; )sup. Virginius sur.,'73. 7 23 4 29 7 42 7 18 4 34 7 45 8 49 7 18 4 34 8 51 7 244 29 17 M Bolivar died, 3o. 7 25 4 29 9 53 7 19 4 35 9 54 18 Tu 6d '. H. Davy born, 1778. 55 54 7 25 4 30 o10 7 204 35 o10 19 W Battle of Niagara, 1813. 0 6): #gr. hel.lat. S. 7 264 30 11 54 7 20 4 36 II 54 20 Th 7 21 4 36 morn 7 26 4 31 morn 2xst. Winter begins. 2I Fr 2859. 1-1 14 1782. 10 -1 [OM 18 22 Sa 23S 24 M 25 Tu c stat. Puritans landed, 1620. [2869. Newton born, 1642. Q inapogee. E.M. Stanton d., Christmas Day. 26 W Texas admitted, 1845. 27 Th St. John, Evang. 28 Fr 29 Sa 30 S 31 M 7 27 4 31 7 27 4 32 7 27 4 32 7 284 33 o I 2 3 53 5I 47 43 7 28 4 34 4 39 7 29 4 34 5 33 Tay Bridge disaster, 1879. 7 agth. Freg. Java taken, 7 Bat. of Savannah, x778. [1812.7 6d9(.WestVirginiaadm.,'62. 7 29 4 29 4 29 4 304 7 21 7 22 7 22 7 22 4 37 4 37 4 38 4 38 0 I 2 3 52 49 44 40 7 23 4 39 4 35 7 23 4 40 5 29 7 24 4 40 35 36 6 23 sets 7 24 4 41 6 19 sets 36 37 6 8 7 II 7 24 4 7 24-4 6 12 7 14 42 42 THIE AETYA LIFE ALMA IYA C 29 30 THE A'TNA LIFE A LMANA C. What Life Insurance Is and Does. From the Commercial Bulletin, New York. "A French writer has remarked that the two principlesassociation and insurance-are the levers which are able to move the world; and, in a sense by no means lacking its serious phase, life insurance may be defined to- be an indispensable element of earthly happiness. There is no condition of life which it cannot ameliorate; no danger whose consequences it cannot lessen; no sentiment of affection which it cannot strengthen. If, of all contingencies, death is the most terrible and the most inevitable, the wise man should always find room in his mind for the thought that death may, by a sudden stroke, surprise him amid his most cherished projects, and snatch him, perhaps without a moment for farewells, from his family and friends. Now, life insuratice will not hinder any one from dying; but it has conseproved itself abundantly able to diminish the sad quences of that inevitable event called death. There are times when no one can count upon a permanent possession of anything. Life is full of vicissitudes, whereby the wealthiest men are, as in a moment, brought face to face with poverty and ruin. Your own thoughtlessness or extravagance; the betrayal by others of your confidence; swift-coming and unheralded monetary revulsions; social or national calamities; the thousand and one accidents and happenings which go to make up the vast variety of human existence and experience-all these or any of them may, within the .period of the next few years,. cast the dark shadow of disaster upon you, and compel you to grope your way toward the pauper's grave. This has been the hapless fate of thousands who have thus been forced from envied heights to take the plunge into misery's depths. Why should you be, more than they, exempt? An antidote to the possibility of such a sad experience is supplied by life insurance, which, in one of its many forms, offers to guar- antee the payment, to yourself, ten, twenty, thirty years hence, of a fixed sum, which shall relieve your latter days 17 THE -ETNA LIFE ALIMANA C. 31 from all fear of poverty, or, in case of your death in the interval, the same sum will reach whomsoever you may designate. "By means of life insurance, daughters may be dowered; sons established in business; widows continued in comfort and assured the social respect which competency commands; debts may be provided for during life and paid at death. Insurance renders all this easy and offers it at a cheap rate. It never exacts but one condition, and that not from all. This condition is a disposition toward economy. Economy is the beginning of all wisdom, of all wealth, of all morality; just as its opposite hastens the finale of all these. The exercising of but a little economy, the discounting of useless habits, the lopping off of some foolish luxury, would suffice to place you securely under the protection of insurance and redeem from the possible enslavements of poverty the. family whose future inspires you with your chief anxieties and alarms. "As life insurance has progressed in popularity, its influence has affected for good the national character, by bringing more than half a million of our citizens, most of them heads of families, into that condition of contentment and confidence which an assured future for their loved ones naturally induces. Many a man may now be met with, who, if this subject is broached, may say: 'But for insuranoe, I had been dead long ago. Borne down with care and uncertainty respecting my loved ones; seeing my sons and daughters grow up, with no outlook for comfort and support after my death; and contemplating my wife a penniless and friendless widow, as soon as disease or death had seized upon me, on whom they all depend; my life seemed a burden too heavy to endure. Insurance has brightened that life, has filled me with the contentment of security, and has thus kept disease at bay. I walk erect and confident through life, because I know that, when life ends with me, my family will be placed beyond the reach of want. If, on the other hand, I live to a certain age-which of course, is not a disagreeable idea-I shall receive a sum of money wherewith to retire from the exertions and hazards of active business life.'" 32 THlE .zETNA LIFE ALMA NA U. Care of the Sick. SUGGESTIONS TO NURSES. A good nurse will give special attention to the cleanliness of the sick-room. What a person in health could endure might hasten to a fatal end the sick one. If sick people are permitted to remain unwashed, or their clothing to be worn after it is saturated with perspiration, or other excretions, its effect is injurious. Cleanliness of skin and ventilation have much the same end in view-the removal of noxious materials from the system. The sick-chamber should be the room of the house which admits of the most sunshine. If a piece of blue sky can be seen by the patient, so mLuch the better. Southern exposures are most desirable. It is stated that not only do fewer persons die in the southerly exposed sides of hospitals, but sick people get well faster than those on the northern exposure. Patients should not be disturbed by unusual noises. A sharp and sudden noise usually gives more distress than other kinds. Anything which suddenly awakens a sick person will throw him into excitement, and do him more harm than any continuous sound, however loud it may be. When a patient sleeps, do not let him be awakened, unless directed by the physician. Sleep, if undisturbed, strengthens the brain, and aids in the recovery of the sick one. A good nurse should have keen perception, and be always ready to supply all the patient's needs. She should be able to talk intelligently of something besides the agonies of her last case, and judge wisely when the patient must be kept quiet. If a sick person is convalescent, a visit from a friend is sometimes beneficial. The nurse should be able, by observation, to judge whether or not the effect of a visit from the person desiring admission to the sick-room would be injurious. She should prevent, if possible, the discussion of worrying household troubles in the sick-room, and, without giving offense, get rid of a visitor who staid too long. A pleasant face in a sick-room dispels the fears of a sick person to a remarkable degree. Remember always that a cheerful face "doeth good like a medicine." It is particularly advisable that the physician should be consulted as to the patient's diet. His directions respecting the medicines prescribed should be strictly folloWved, and if the nurse understands the effect he expects to produce, she will be better able to observe and report any unfavorable symptoms. THE AiTNA LIFE AL MA A C.. 33 What to do in an Emergency. Close a wound quickly, and apply adhesive plaster; if it bleeds too freely, apply a compress over it with bandage; if this fails, tie a bandage tight around the limb above the wound. Fainting. - Place the patient on the back with the head lower than thle body, if convenient. Give plenty of air by fanning; dash cold water in the face; smell of hartshorn or camphor. Give ammonia or spirits. Ruptures. - As soon as a rupture is discovered lie down and elevate the hips above the level of the body; apply cloths wrung out of hot water, and send for a physician. Don't fail to procure and cohstantly wear, a wellfitting truss. A slight rupture is usually more dangerous than a large one. Poison. - If poison of any kind has been taken into the stomach an emetic should be given as quickly as possible. Mustard and warm water, or salt and warm water, or ipecac, are effectual. Of the latter give sixty grains. If vomiting, drink freely of warm water or warm milk until the stomach is thoroughly washed out. clothing catches fire the person should be Burns. thrown to the ground or floor and without delay rolled in the carpet or hearth rug to stifle the flames. If no carpet or rug is at hand use your coat instead. Keep the flames from the face and lungs as much as possible. You can generally accomplish this by beginning to wrap about the neck and shoulders first. Eyes. - If particles of cinder or dust get into the eyes, they can generally be removed by holding a knitting-needle or small stick over the upper lid close to or under the edge of the orbit; then holding it firmly, gently turn the lid upward and backward over the needle or stick. If the eyeball is moved by the sufferer the substance is revealed and can be removed by the corner of a silk or linen handkerchief. Drowning. - As soon as the body is recovered it should be stripped of all clothing, rapidly dried, placed on a bed previously warmed, the head, neck, and shoulders raised a little, friction with the dry hands used to the extremities, and heated flannels kept applied to the rest of the body. To restore breathing, place the person fiat on the face, press gently on the back, then turn the body on its side or a little beyond; then turn again on the face, press again on the back, and turn again on the side. This should be done about sixteen times in a minute. Wounds. - -If 34 THE AI TNA LIFE ALMANA U. ell, w r 1" r / r A J / ,,. THE ETNA LIFE ALMANA 3 35 . The Mtna Life Insurance Company. 2Etna Life was chartered with the zEtna Fire InsurThe ance Company in the year 1819. It commenced operations as a separate organization in the year 1850. At first its progress was slow. The management strove to establish for it a reputation for conservatism and safety. Thle remarkable growth which the Etna has experienced during the past twenty years gives evidence of the wisdom of the early management. The capital stock ($750,000) is pledged to the insured as a guarantee of good faith, and for the payment of the company's obligations. Its directors and stockholders are pecuniarily interested in the success of the company, which is the best possible guarantee of a careful supervision of the issues business, and a permanent continuance. The policies upon the participating as well as upon the non-participating plan. Upon the former the profits growing out of the business are divided annually among the policy-holders; upon the latter, among the stockholders. The accumulations of each department are kept separate, and the expenses of the company are borne by each, according to the amount of business done. By this system, the Etna's insured receive mahy advantages over those insured in companies conducted upon the purely mutual plan; namely, -the additional security which the capital gives; the economy of management,-as the general expenses are divided between the two departments; all the benefits of dividends, and none of the unfavorable features incident to mutual insurance; also a guarantee of permanent success in the careful supervision of the business which the pecuniary interest of the directors and stockholders will secure. Since the organization of the 1Etna, it has received in premiums from its patrons, $66,096,033.60. It has paid to its policy-holders, $46,661,172.90. It has on hand, securely invested; $27,055,884.76. Its receipts from interest have paid all the expenses of the company, including commissions, salaries, taxes, rents, etc., and leave in the hands of the company a balance of $7,621,024.06. This is the best possible evidence of economy and successful management. zEtna 386 TIHE ATNA LIFE ALAMANAU. Health Suggestions. To have good health avoid excesses; be regular in the time of eating, sleeping, and bathing. See that your dwellings, and particularly your sleeping apartments, are properly ventilated; avoid exposure to the night air, also excessive nervous or muscular effort. A dark house, wherever found, is always an unhealthy one, and more likely a dirty one, too. Want of light discourages growth, promotes scrofula, encourages consumption, and in fact everything which is bad. Light is second in importance to fresh air. Do not eat breakfast immediately after rising; the stomach is in no condition to receive food. Let the breakfast and supper be light, reserving strong food, as meats, etc., for the middle of the dlay. Eat slo wly, and masticate thoroughly. Drink very little fluid during meals. If taken an hour after meals they assist digestion. In hot weather when a person is heated cold water should only be taken is small quantities at a time. If taken in quantity prostration is likely to ensue, and if not, it lays the foundation for other troubles. When the body is heated or exhausted a bath in cold water ought never to be taken. A sponge bath in tepid water will answer until the vigor of the body has had time to be restored. Casualties in the Union Army. THE official reports of the casualties in the Union armies from the commencement of the rebellion in 1861 to its close in 1865 were as follows: Total number of men killed, 60,976; died of wounds, 35,957; died of disease, 183,464. There were discharged for disability, 224,306. STATIsTIcs show that in Europe women are less prone to commit suicide than men. Women, even under the most wretched conditions, cling to life much more strongly than men. A childless widow would appear to be more desolate in the world than a widower similarly situated; yet she bears her loneliness better - possibly from religious restraints or from possessing a larger measure of "that hope which springs eternal in the human breast." " DEATH hath so many doors to let out life that health and constitutional vigor by no means offer absolute security, even for a brief time." -Chlampness. , THE ETNA LIFE ALMANA. C. 37 Plans of Insurance. The plan most desirable for a party insuring is the one which meets his requirements respecting the object to be accomplished and the expenditure necessary to obtain it. We publish below a description of the different plans upon which the JETNA LIFE issues policies, and request a careful examination of each by all interested in the subject. It is proper to add in this connection that the .ETNA's policies are non-forfeiting by their terms-they contain a stipulation guaranteeing paid-up insurance in event of lapse. Ordinary Life Policies secure to the beneficiaries named a stated amount in event of the death of the insured. Premiums are payable annually, or in quarterly or semiannual installments. Dividends are paid annually, and applied to the reduction of the second annual and subsequent payments. The also issues non-participating life policies, requiring the same premium each year. The rates are very low upon this plan, and no dividends are paid. It is popular with those familiar with its merits. Renewable Term Policies are issued by the at very low rates-lower than upon any other plan. The same premiums are required for a term of ten years. At the expiration of ten years the company will issue in exchange, without a medical re-examination, a new policy for an equal amount at the advanced age. The accumulations during the first term of ten years are applied to the reduction of the premium for the second term, with a view of keeping it at the rate originally charged. The plan has been tested with upwards of fourteen years' experience, and in no case has a party's premium been advanced for the second termn of ten years. Liberal paid-up policies are given, if desired, or if preferred cash values are paid if policies are discontinued as per conditions thereof. Endowment Policies are issued by the 'ETNA LIFE upon very favorable rates-lower than those of competing companies. They provide for the payment of the sum insured in event of the death of the party, or if hlie survives the stated term-which may be ten, fifteen, twenty, or more years-to him,or whoever is designated as the party to receive 2ETNA _ETNA TIlE AETNA LIFE ALMANAC. 38 it. Cash dividends are paid at the end of the first year and annually thereafter. These policies not only make a sure provision for the family in case of the death of the insured, but also make sure of a support for the party in old age. These plans offer means for the best possible investment of money. They accomplish more, by the provision for their payment, than any other plan possibly can. Limited Payment Life Policies are an attractive feature of the ETNA. Payments are limited to ten, fifteen, or twenty years. Annual dividends are paid during the life-time of the insured. After all the required payments are made the dividends give to the insured an annual annuity-at the same time giving the best possible protection for the family. The rates upon these plans are very favorable considering the advantages given. Death-Claims and Endowments. The 2ETNA LIFE INSURANCE COMPANY of Hartford, Conn., has paid, each year since 1863, for death losses and matured endowments, the following:-In 1863..........$17,136.00 In 1873........$1,664,037.04 1874.........1,392,235.35 1864...........81,472.28 1875..........1,570,421.92 1865 ......... .91,476.76 1876 .......... 1, 634;300.62 1866 ......... 342,306.39 1877..........1,747,753.69 513,881.50 1867 ........... 1,754,558.00 1878 .......... 855,034.22 1868 .......... 1879.......... 2,155,713.00 1869 ........ 1,005,062.79 1,907,922.68 1880 ......... 1870........ 1,244,415.89 1,955,745.62 1881 1871 ....... 1,219,314.64 1872........ 1,396,531.78 ........... AN eminent divine, in a discourse commending life insurance, remarked: "A man ought to put himself down on the strictest economy until he can meet this Christian necessity. You have no right to the luxuries of life until you have made such provision." A FRIEND inquires: "What in life is more beautiful than happy human faces?" We reply: " That which keeps the shadow from them in the day of calamity." 307 -a-M v= 40 THE -ETNA LIFE ALMANAC. 'Useful Information. An Acre contains 43,560 square feet. To Measure Grain in a Bin.-Multiply the length of the bin in inches by the width in inches, and that by the height in inches, and divide by 2150 for struck bushels, and by 2748 for heaped bushels. The quotient will be the number of bushels contained in the bin. Measurement of Hay in the Mow.-Multiply the length, height, and width in yards, and divide by 15 if the hay is well packed; if the mow is shallow, and the hay recently placed therein, divide by 18, and by any number from 15 to 18, according as the hay is well packed. Age of Sheep.-At one year old they have eight front teeth of uniform size; at two years of age, two middle ones are supplanted by two large ones; at three, a small tooth appears on each side; at four, there are six large teeth; at five, all the front teeth are large, and at six the whole begin to get large. Measurement of Wood anid Lumber.-A cord of wood contains 128 cubic feet. To ascertain the number of cords in a pile, multiply the length by the height, and that by the width, and divide the product by 128 To measure Inch Boards, multiply the length in feet by the width in inches, and divide the product by 12. The quotient will be the number of feet. For Lumber 11 inches thick a.dd to the quotient; for 1 inches thick, add .; for 1 inches thick, add ; if 2 inches thick, divide by 6; if 2j inches thick, add j to the quotient, and so on. If 3 inches thick, divide by 4; if 4 inches thick, divide by 3; if 6 inches thick, divide by 2. The result will be the number of feet " Board Measure." To Compute the Weight of Cattle.-Multiply the girth in inches immediately back of the shoulders by the length in inches from the square of the buttock to the point of the shoulder-blade, and divide the product by 144, which will give the number of superficial feet If the animal has a girth from 3 to 5 feet, multiply the number of superficial feet by 16, which will give the weight of the animal; if the girth is firom 5 to 7 feet, multiply by 23; if from 7 to 9 feet, multiply 1by31; if less than 3 feet girth, as in the case of small calves, hogs, sheep, etc., multiply by 11. Of course many circumstances, such as the build of the animal, mode of fatting, condition, breed. etc., will influence the weight; but the above will be found approximately correct. Weight of a Bushel of Produce.-The number of pounds in a bushel of the various articles of produce varies somewhat in the different States. The majority, however, have adopted the following: ..... . 28 Indian Corn, . . . . . . 56 Apples (dried), " (in ear), . . . 68 43 " Barley, . ........ (meal), . . . 50 " " ... 42 Buckwheat, .... 32 ......... 60 Oats, ... ......... Beans, . Beans (castor), .. . .46 Onions, . . . . . . . . 57 . .. 28 80 Peaches (dried), .. Coal (mineral), . ..... ... . 60 Charcoal (hard-wood), . . . 30 Peas, .......... ...... 60 . ..... 56 Potatoes, Flax Seed, 56 ........ . 14 Rye, . . Grass Seed (blue), . ...... 50 " (meal), . . . . 60 Grass Seed (clover), . 50 Salt . . . . . . . Grass Seed (timothy), . . . 45 44 Wheat, . . . . . . . . 60 . ..... Hemp Seed, THE A. TNA LIFE ALMANAC. 41 Better- than Government Bonds. The IETNA LIFE offers superior advantages for the invesment of funds. Its Endowments give a larger rate of interest than government securities will produce. .Etna Endowments run ten, fifteen, twenty or more or more years, and can be paid for in one, ten, They are secured by the .Etna Life's annual payments. assets of over twenty-seven millions. In event of the death of the purchaser, further payments are not required, and the Endowment becomes immediately due. Payments can be discontinued without loss. At present prices of government securities, one thousand dollars will purchase a United States bond, payable in twenty years, for $925.92. The same amount will purchase an 2Etna Endowment, payable in twenty years (and at death, if it occurs before), for $1,806.04. The holder of the Endowment will be entitled to annual cash dividends during the twenty years. Should death occur at the end of the first year, the .Etna Endowment would bring $830 more than the money invested in the United States bond. fifteen AT the age of 30, $10,000 life insurance can be purchased in the 1ETNA by the payment of an annual premium of $146.70. This is less than is required for a policy of fire insurance for a similar amount upon ordinary business property. Which is the most important? Consult the interests of your family. As the western clouds are tinged with gold, even after the sun is lost to view, so does the memory of a kind act bring joy to the heart when its author is no more. Life insurance has tinged more clouds with radiance and begotten more tender memories than any other invention, of man. - Stockholder. ONE of the greatest uncertainties of life is life itself. Careful foresight therefore suggests the wisdom of the provision which life insurance gives. No man is above reproach who neglects to thus guard his plans for successful business against the danger of his own death. THE annual interest earnings of the life insurance companies of the United States is upwards of twenty millions. THE .ETNA 42 LIFE ALMANAU. Time Required for Digesting Food. FOOD. C ooked. H.M Apples, sour, mellow, Raw,.... 2.00 Apples, sour, hard,... Raw,.... 2.50 Apples, swe't, mellow, Raw,.... 1.30 Bass, striped ....... Broiled,. 3.00 Beans, pod,......... Boiled, .. 2.30 Beans and green corn, Boiled, .. 3.45 Beef, ....... ....... Fried, ... 4.00 Beefsteak ........... Broiled, . 3.00 Beef, fresh, lean, dry,. Roasted, 3.30 Beef, fresh, lean, rare, Roasted, 3.00 Beets,................ Boiled,. 3.45 Brains, animal,....... Boiled, .. 3.45 Bread, corn,........ Baked,.. 3.15 Bread, wheat, fresh,.. Baked,.. 1.30 Cabbage ............. Raw, . 2.30 Cabbage, with vineg'r Raw, . 2.00 Cabbage, .......... Boiled,.. 4.30 Carrot, orange,.......Boiled,.. 3.13 Catfish, ............. Fried, ... 3.30 Cheese, old, strong,.. Raw, .... 3.30 Chicken, full grown,. Fricas'd, 2.45 Codfish, cured dry,... Boiled, .. 2.00 Custard ............ Baked,.. 2.45 Duck, tame,.. . Roasted, 4.00 Duck, wild .......... Roasted, 4.30 Eggs, fresh,......... Raw, ... 2.00 Eggs, fresh, ........ Whip'ed, 1.30 Eggs, fresh, .......... Roasted, 2 15 Eggs, fresh,.. .. S't boil., 3.00 Eggs, fresh ......... H'd boil., 3.30 Eggs, fresh,.......... Fried, ... 3.30 Fowls, domestic,..... Roasted, 4.00 Fowls, domestic,.... Boiled,.. 4.00 Gelatine, ........ Boiled,.. 2.30 Goose, wild,....... Roasted, 2.30 Hashed meat & veget., Warmed, 2.30 Heart, animal, ....... Fried, ... 4.00 Lamb, fresh,........ Broiled,. 2.30 Liver, beeve's, fresh,. Broiled.. 2.00 FooD. FooD. How Cooked. IM Milk, .............. Boiled, .. 2.00 Milk,............ Rawv .... 2.15 Mutton, fresh ....... Broiled,. 3.00 Mutton, fresh ...... Boiled, .3.00 Mutton, fresh, ...... Roasted, 3.15 Oysters, fresh....... Raw .... 2.55 Oysters, fresh,....... Roasted, 3.15 Oysters, fresh,.... Stewed, . 3.30 Parsnips,............ Boiled, .. .30 ig, sucking......... Roasted,'.30 Pigs' feet, soused,... Boiled,.. 1.00 Pork steak, ....... Broiled, . 3.15 Pork, fat and lean,... Roasted, 5.15 Pork, recently salted,. Stewed, .3.00 Pork, recently salted,. Broiled,. 3.15 Pork, recently salted,. Fried, ... 4.15 Pork, recently salted,. Boiled, .4 30 Potatoes, Irish,..... . Roasted, 2.30 Potatoes, Irish,........ Baked,.. 2.30 Potatoes, Irish,....... Boiled, .. 3.30 Salmon, salted .. ... Boiled, .. 4.00 Sausages, fresh ...... Broiled,. 3 20 Soup, barley,......... Boiled,.. 1.30 Soup, bean, .......... Boiled,.. 3.00 Soup, chicken ....... Boiled, .. 00 Soup, mutton, ....... Boiled, .. 3.,0 Soup, oyster,......... Boiled, .. 3.00 Soup, beef, vegetab's, Boiled, . 4.00 Soup, marrow bones,. Boiled, .. 4.15 Tripe, soused,........ Boiled,.. 1.00 Trout, salmon, fresh,. Boiled, .. 1 30 Trout, salmon, fresh,. Fried, ... 1.30 Turkey, wild ........ Roasted, 2.18 Turkey, domesticat'd, Roasted, 2.30 Turkey, domesticat'd, Boiled,.. 2.25 Turnips, ......... .. Boiled, .. 3.30 Veal, fresh ......... Boiled, .. 4.00 Veal, fresh, ......... Fried, ... 4.30 Venison steak,...... Broiled,. 1.35 AN old Scotch proverb says: "Put two pennies in a purse and they'll creep together." Put money in a life insurance premium and it will creep together more joy, comfort, contentment, and satisfaction than you have experienced for years. Having taken a policy upon your life, it should be your motto "never surrender." It will prove a "well-spring of pleasure and a joy forever." A FIRST CLASS investment-An _ETNA policy. 'THlE .ETNA LIFE ALMANA. C. 43 What Life Insurance Does. IT enables one by the best methods yet discovered to "provide for his own household." It helps to rid the community of pauperism and its expenses, and the crimes incident to poverty. It protects labor, and garners for the fireside of home the efforts of one's honest toil. It brings relief to the sorrows of bereavement, and brightens the otherwise desolate pathway. It gives the permanence.of an estate or of a fortune to those depending on their daily toil. It is the safest of all investments, as it thrives even upon the ruins of ordinary financial concerns. It is a property not exposed to the demand of creditors, but protected by law for one's dependents. It brings ready money in a moment, and that just when it is most timely and welcome. It proffers its benefits to all classes and men in all pursuits, being truly an investment for the million. It benefits the assured, promoting industry and economy and prolonging life by relieving it of anxiety. REV. C. H. SPURGEON, not long since, announced his text "Take no thought for the morrow, what ye shall eat, or what shall ye drink, or wherewithal ye shall be clothed." Hle commenced his sermon by stating that he had recently insured his life for $5,000, and had thus been able to carry out the injunction of the text, not to be over-anxious for the morrow, for much undue care and anxiety that he had he now laid aside, secure in the knowledge that his forethought had provided for his loved ones. A BANKlRUPT merchant, once in affluence, remarked: "I made a mistake that I did not take an endowment policy twenty years ago. I could easily have paid the premiums, and through the investment have saved something to support me now in my advanced years." TEN cents a day invested in an .ETNA policy will provide your wife and children $2,000 in event of your death. 44 THE .ETNA LIFE ALMANA C. Business Law in Daily Use. The following compilation of business law contains the essence of a large amount of legal verbiage: If a note is lost or stolen, it does not release the maker; he must pay it, if the consideration for which it was given and the amount can be proven. Notes bear interest only when so stated. A note made on Sunday is void. A note by a minor is void. A note obtained by fraud, or from a person in a state of intoxication, cannot be collected. "Value received" is usually written in a note, and should be, but is not necessary. If not written, it is presumed by the law, or may be supplied by proof. The maker of an " Accommodation" bill or note (one for which he has received no consideration, having lent his name or credit for the accommodation of the holder) is not bound to the person accommodated, but is bound to all other parties, precisely as if there was a good consideration. A note endorsed in blank (the name of the endorser only written) is transferable by delivery, the same as if made payable to bearer. If the time of payment of a note is not inserted, it is held payable on demand. The time of payment of a note must not depend upon a contingency. The promise must be absolute. A bill may be written upon any paper, or substitute for it, either with ink or pencil. The payee should be distinctly named in the note, unless it is payable to bearer. An indorsee has a right of action against all whose names were on the bills when he received it. If the letter containing a protest of non-payment be put into the post-office, any miscarriage does not affect the party giving notice. Notice of protest may be sent either to the place of business or of residence of the party notified. The holder of a note may give notice of protest either to all the previous indorsers or only to one of them; in case of the latter, he must select the last indorser, and the last must give notice to the last before him, and so on. Each indorser must send notice the same day or the day following. Neither Sunday or legal holiday is to be counted in reckoning the time in which notice is to be given. The loss of a bill or note is not sufficient excuse for not giving notice of protest. If two or more persons as partners are jointly liable on a note or bill, due notice to one of them is sufficient. THE AzETNA LIFE ALMANAC. 45 If a note or bill is transferred as security, or even as payment of a pre existing debt, the debt revives if the bill or note be dishonored. An indorsement may be written on the face or back. An indorser may prevent his own liability to be sued by writing "without recourse," or similar words. The finder of negotiable paper, as of all other property, must make reasonable efforts to find the owner before hlie is entitled to appropriate it for his own purposes. If the finder conceal it, he is liable to the charge of larceny or theft. Joint payees of a bill or note, who are not partners, must all join in an indorsement. One may make a note payable to his own order. He must then write his name upon its back or across its face, the same as any other indorser. After the death of the holder of a bill or note, his executor or administrator may transfer it by his indorsement. The husband who acquires a right to a bill or note which was given to the wife either before or after marriage, may indorse it. An agreement without consideration is void. Contracts made on Sunday cannot be enforced. A contract made with a minor is void. A contract made with a lunatic is void. Each individual in a partnership is responsible for the whole amount of the debts of the firm, except in cases of SPECIAL PARTNERSHIP. The acts of one partner bind all the rest. A verbal promise to pay, made without conditions, is generally held as sufficient to revive a claim otherwise shut out by the law of limitation. An oral agreement must be proved by evidence. A written agreement proves itself. The law prefers written to oral evidence, because of its precision. No evidence may be introduced to CONTRADICT or VARY a written contract, but it may be received in order to explain it, when such contract is in need of explanation. Checks or drafts must be presented for payment without unreasonable delay. Checks or drafts should be presented during business hours; but in this country, except in the case of banks, the time extends through the day and evening. If the drawee of a check or draft has changed his residence, the holder must use due or reasonable diligence to find him. If one who holds a check, as payee or otherwise, transfers it to another, he has a right to insist that the check be presented that day, or, at farthest, on the day following. If a debtor owes several debts, and pay a sum of money 46 THE ETNA LIFE AL MANAU. to the creditor, he has the right to designate the particular debt to which the payment shall apply, and the creditor must so appropriate it. If, when a debt is due, the debtor is out of the State, the "six years" do not begin to run until he returns. If he afterward leave the State, the time forward counts the same as if he remained in the state. Except in the case of absence from the State, the "six years" begin when thbe bill or account is DUE. In case of a note, they count from the "three days of grace." In case of a note on demand, they count from the time of the demand. The Statute of Limitations doep not avoid or cancel the debt, but only provides that no action in law may be maintained after a given time. The statute does not affect collateral security. Ignorance of the law excuses no one. The law compels no one to do impossibilities. It is a fraud to conceal a fraud. Signatures made with a lead pencil are good in law. A receipt for money is not always conclusive. No consideration is sufficient in law if it be ILLEGAL in its nature. All claims which do not rest upon a SEAL or JUDGMENT must be sued within six years from the time when they arise. Part payment of a debt which has passed the time of statutory limitation revives the whole debt, and the claim holds good for another period of six years from the date of such partial payment. Written instruments are to be construed and interpreted by the law according to the simple, customary, and natural meaning of the words used. "Acceptance" applies to bills, and not to notes. It is an engagement on the part of the person on whom the bill is drawn to pay it according to its tenor. The usual way is to write across the face of the bill the word "Accepted." BEFORE joining-a co-operative life association, or "investing" in a Tontine policy, examine carefully the merits of the. cheapest of all plans,-the renewable term plan issued by the LETNA LIFE. It has been in successful operation over fourteen years. No other plan compares favorably with it for cheapness. , , I Ilr .. \\1W111 V u u D - - - II , I I I i t~ I (I 11' II ,IIII nIP \\St -. 1 I" .III" ,"I'I: ,III lA\ I.illll+t .,-III III''' - \ II 1 IIIIIIIIIII III I I ' \ I1 1 '/ _ IN' II I ; - s /I III, ' Ijff; f, i I" yll I 1 I - , . f ! ++ I ,@ > ',11 l+ r / 'llfll 'I 1 l I h I -7 tl V 41111 jr / 1 , - t , i' I;I !." 11' III IIIt"l =\ I III 'IIII I!III I It ;I!I, . JI i'G,, Iililtll Ir n (r( t _ .m a, ,1,1\ ,15 I ' I .I ,IIT. ,:' ;x;91 .11", II IIIII ' ' '"' ! If d I l \ \. I _- u ll 41 > ! \ 1 ' 1 I III.~ II;'' 11 iI Ii S; '11"IIII ! 11 ! , ,, '. f, I 1 j -, J- y //"- .. 11 . '' ,,, I , Illllh I I 1 I I II II / ; I I I, "s , 1 1 - I z i ( \i IIII F I IYI \ 'I JJ _ PON tb' III I _ - V-- "AllIi1r'1; ' ;! / 48 TIHE ./ETNA LIFE ALMANAC. Expectation of Life. The following table shows the number living, the number dying, and the expectation or duration of life of each individual, calculated from the Combined Experience Mortality Table: Age. Living. Dying. Expectation. 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 4S 49 50 51 52 53 54 100000 99324 98650 97978 97307 96636 95965 95293 94620 93945 93268 92588 91905 91219 90529 89835 89137 88434 87726 87012 86292 85565 84831 84089 83339 82581 81814 81038 80253 79458 78653 77838 77012 76173 75316 74435 73526 72582 71601 70580 69517 68409 67253 66046 64785 676 674 672 671 671 671 672 673 675 677 680 683 683 69.10 694 638 703 708 7141 720 727 734 742 750 758 767 776 785 795 805 815 826 839 857 881 909 944 981 1021 1063 1108 1156 1207 1261 1316 48.36 4 ' 68 47.01 46.33 45.64 44.96 44.27 43.58 42.88 42 19 41.49 40.79 40.09 3) 39 34.68 37.98 37.27 36.56 35 86 35.15 34.43 33.72 33.01 32.30 31.58 30.87 30.15 29.44 28.72 28.00 27.28 26.56 25.84 25.12 24.40 23.69 22.97 22.27 21.56 20.87 20.18 19.50 18.82 18.16 17.50 Age. Living. Dying. Expecta- ,eton. 55 56 57 58 59 60 61 62 63 61 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 81) 90 91 92 93 94 95 96 97 91S 99 634(69 62.94 60658 59161 57600 55973 54275 52505 50661 48744 46754 44693 42565 40374 1375 1436 1497 1561 1627 1698 1770 1844 1917 1990 2061 2128 2191 2246 16.86 16.22 15.59 14.97 14.37 13.77 13.18 12.61 12.05 11.51 10.97 10.46 9.9( 9.47 38128 22(1 9.00 35837 33510 31159 28797 26439 24100 21797 19548 17369 15277 13290 11424 9694 8112 6685 5417 4306 3348 2537 1864 1319 892 570 339 184 89 37 13 4 1 2327 2351 2302 2358 23;9 2303 2 249 2179 2092 1987 18316 1730 1582 1427 1268 1111 958 811 673 545 427 322 231 155 95 52 24 9 3 1 8.54 8.10 7.67 7.26 6.86 6.48 6.11 5.76 5.42 5.09 4.78 4.48 4.18 3.90 3.63 3.36 3.10 2.84 2.59 2.35 2 11 1.89 1.67 1.47 1.28 1.12 0.99 0.89 0.75 0.50 WHAT THE PRESS HAS TO SAY RIESPECTING TH ATNA LIFE INSURANCE 60. OF HARTFORD, CONN. There is no company in the United States that gives better satisfacCatholic. tion to its patrons than the ETNA.-Conn. Our readers will find that the lETNA is one of the best among the solid Y. Independent. companies and is entitled to full confidence. -N. The zETNA LIFE is old in years, strong in finance, economical in management, and prompt in the payment of its obligations.-Daily (N. Y.) Stockholder. The thirty-second annual report of that conservative and successful company, the ,ETNA LIFE, presents facts and figures of commanding interest.-N. Y. Journalof Commerce. The ,ETNA Life Insurance Company of Hartford, Conn., has issued its thirty-second annumal statement, which shows evidence of soundness and prosperity on the part of the company.-N. Y. Times. That sterling institution, the IETNA Life Insurance Company of Hartford, Conn., comines smiling to the front this year with a splendid showing. But this is not at all surprising. It is a way the .ETNA always has. -Philadelphia Weekly Item. The business of the LETNA LIFE increases and its surplus increases. Certainly nothing further need be said in regard to the management of this old and reliable company, nor in behalf of the executives who so ably conduct its affairs.-Chicago Times. That excellent and now historic company, the LIFE, celebrated yesterday its thirty-second anniversary by giving the policy-holders on its books exhibit of over $5,000,000 of surplus with a very economical record of management during 1881.-N. Y. Worbld. The !ETNA LIFE stands in the front rank of the assurance interests of the country. The handsome showing made by them, can be attributed in a large measure to the able management of its officers, who are among the most capable of our business men.--HartfordJournal. The expenses of management were smaller than of any other equally large company in the country. The figures are made public by the .ETNA with pardonable pride, and show what a company conducted onilsound, business principles can do.-Hartford Courant. For economy, integrity, upright dealing with policy-holders, and solidity of investments the company stands at the head of insurance organizations, now doing business in the United States. It is an absolutely safe company to be insured in, and its future will be one of constantly increasing success and prosperity.-HartfordPost. The LIFE'S financial condition is so sound that no safer company ever recommended itself to the public. The company conducted, as it is, by some of the best insurance talent in the country, has no rival for economy and integrity in its dealings with its policy-holders, while its investments are of the soundest and most secure character.-Hartford Globe. The LIFE'S showing is gratifying both to those immediately concerned in the company and its numerous policy-holders and friends. That the company is and should continue to be popular with the public is the natural result of its energetic and liberal, yet careful and painstaking methods of doing business, and its prompt and equitable settlements of death claims.-Hartford Times. .ETNA ian -ETNA -ETNA rANA Life Insurance Co. OF HARTFORD, CONN. MORGAN G. BULKELEY, President. J. C. WEBSTER, Vice-President. J. L. ENGLISH, Secretary. H. W. ST. JOHN, Actuary. GURDON W. RUSSELL,M.D., Consulting Physician. S DIRECTORS. G. BULKELEY, President, and Mayor of the MORGAN City of Hartford. T. O. ENDERS. President United States Bank, Hartford. G. W. RUSSELL, M.D., Physician, Hartford. W. H. BULKELEY, Lieut.-Governor, Hartford. L. BRAINARD, Treasurer The Case, Lockwood & Brainard Company, Hartford. JAMES CAMPBELL. Manufacturer, Manchester, Conn. A. R. HILLYER, Cashier 1Etna National Bank, Hartford. S. G. DUNHAM, Treasurer Tunxis Worsted Mills, Hartford, Conn. T. J. M UMFORD, GENERAL AGENT, 165 and 167 The Case,Lockwo Broadway, New York. Conn. & Brnard Co. Print Hartford, arainard Co.Print, Hartford, Conn. The Case, Lockwood &c This book is a preservation facsimile produced for the University of Illinois, Urbana-Champaign. It is made in compliance with copyright law and produced on acid-free archival 60# book weight paper which meets the requirements of ANSI/NISO Z39.48-1992 (permanence of paper). Preservation facsimile printing and binding by Northern Micrographics Brookhaven Bindery La Crosse, Wisconsin 2011