Newspaper Page Text
y o uri-
for It? Look
out, or it
strength of a powerful chain.
cures coughs and colds, even bard
coughs and old colds.
Mrs. A. White, of Fltrroy, Victoria,
says: " I had a yery hard cough night
and day. I tried many remedies, but
without relief. I thought my lungs
were nearly gone. I then tried Ayer's
Cherry Pectoral. I began to Improve
at once, and only one and ono-half bot
tlts completely cured me."
There are many substitutes and Imi
tations. Beware of them I Be sure
you get Ayer's Cherry Pectoral.
Two sites. Large and small bottles.
trnni r Br. J.C.ArwC, Unit, Mass., U.3.ib
Por Sale by HILO DRUG COMPANY.
Union Barber Shop.
GARCIA & CANARIO, Props.
Ult sbave, et fair md sbMjoo
at Ctt'CiK Rtt$.
We alto take particular paius with Cliil
The Old Reliable Stand is
Razors houed, Scissors and all edged
tools perfectly ground. Satisfac
FRONT AND CHURCH 9TS.
If you appreciate a good
meal nicely prepared call
' and sec me.
Meals 35c Up
C. 8HIMAMOTO, Prop.
Late Suppers from O p. m.
to I a. m.
C. Daddaky, Prop.
Two Beers for
Call and oxamlne our stock
HILO MARKET GO:,
Telephone No, 39.
Bridor St. - Hiu, H. I
Pacific Miat Market
Front St., Hilo, H. I
Choice Cuts of
POULTRY of aft Kinds
FRESH ISLAND BUTTER
Flno Fat Turkeys.
. . Sucking Pigs,
M. S. GRINBAUM & CO.,
BROKERS and COMMISSION
dealers in Dry Goods, Notions, Cigars
and Tobacco. Special attention given
to consignments of coffee and sugar.
...All kinds of...
GOODYEAR RUBBER CO.
R. H. PEASE, President
San Praucisco, Cal., U. S. A.
WM. B. IRWIN. & GO.. Ltd.
Sole Agents for
National Cane Shredders,
Alex. Cross & Sons' Sugar Cane
and Coffee Fertilizers.
Hilo, Railroad Co.
' Short Route to Volcano
In effect January 1, 1903.
Passenger Trains, Except Sunday.
No. 1 No. 3
No. 4 No. 6
ar Keaau ar
ar... I'erndale ...ar
IV iltlo ar
ar Keaau ar
Iv IIllo ar
ar I'ahoii ar
ur I'una Iv
Iv Hilo ar
ar Puna Iv
The only desirable means of reaching
the Volcano. Connections at Mountain
View with stages daily-morning trains
going; afternoon trains returning. Fare
from Hilo for the round trip $8. This
route is through Olaa plantation, the
largest in Hawaii, virgin forests of koa
and wild ferns, and through many coffee
The natural wonders of Puna make
that district the most interesting spot In
Hawaii. One can spend a most delight
ful day exploring the underground caves,
swimming in the famous Hot Springs
and resting on the cool shores of Greeu
Excursion tickets between all points
are sold on Saturdays and Sundays, good
returning, until the following Monday
Commutation tickets, good for twenty
five rides between any two points, and
thousand mile tickets are sold at very
W. II. I.AMIIERT,
R. R. ELGIN,
G. V. & T. A,
A Reserve That Is a
FINANCIAL AKTICLK NO. 4.
We have spoken so often of this
Reserve Fund that you probably
by now have an idea of it, or
wondering why we have not given
a more extended explanation. In
either case this article will answer.
The Reserve Fund of the Phoenix
Savings, building: and Loan As
sociation is cash capital paid in by
the managers, directors and large
financiers, of, Prfcific Coast. It is
placed upon first mortgage undef
the California law, the same as
your money,- It is subject to tae
State authorities in case of loss, etc.
These mortgages, fcr additional
safety, are placed with the Mer
cantile Trust Company, the strong
est trust company on the Coast.
They hold them for the benefit of
all, also to comply with the charter
altd by-laws of this Company, and
the laws of the State ol California.
It is not a Reserve Fund made from
the other stockholders. It is paid
in in cash by the directors and oth-'
ers interested; it cannot be with
drawn until all contracts are com
pleted and have been paid to the
other stockholders of this Company.
To show you the strength of this
Reserve Fund we will, first show
you the security upon which our
money is loaned for stock and bond
holders. We are compelled to loan
as btated above. Loans must be
repaid monthly, part principal and
interest. Example"; for every thou
sand dollars loaned there must be
two thousand dollars security. At
the end of four years, if a mun had
an eight-year loan and had paid in
stallments for an eight-year loan, it
would be practically half paid off.
The security is two thousand dol
lars; the amount owed the Com
pany would be $500. The amount
of Reserve Fund on its profits, sup
pose we say, would be 35 per cent.
We would have original security
on !op:i, two thousand dollars, 35
per cent additional cash security of
Reserve Fund (which is ready to
pay out at any time for any
shrinkage this security might have ) ,
$35i total security, $235.00.
At the end of four years, due on
mortgage, $500, property security,
$2,000; Reserve Fund security ad
ditional $350; end of 4 years total
security, $2,350. Amount owed,
$500. There would have to be an
$1850 shrinkage before loss could
be sustained. The above example
is approximtae, but gives an idea
of relation of Reserve Fund to
other stockholders' securities. It
shows you the absolute safety of
the system. The example is not as
strong and does not show as' much
security as the Phoenix actually
has. The Reserve Fund is increas
ing all the while because a propor
tion of its profits are set aside as ad
ditional Reserve. Do not think
that it is not making anything for
its principle is being loaned and in
terest compounded the same as
yours (if you area stockholder).
This Reserve Fund eliminates every
possibility of a loss to you. This
Reserve Fund places us hra posi
tion to get better business at less
cost, by inducing more confidence
with our investing .members, and
consequently they never lose an
opportunity of throwing a borrower
or-an investor our way.
Our directors are satisfied that
this system of loaning is safe, or
they would not put up this Reserve
Fund, or any part of it, to guaran
tee against loss. We annex a com
plete list of the Directors and
Managers and Reserve Fund stock
holders of the Phoenix Saving,
Building and Loan Association.
The following are the estimated
options on the new Guaranteed
Automatic Annuity Bond. We
will absolutely guarantee you a
cash value on this bond from 1 to
20 years. Payments made as fol
lows are all that are necessary to
produce estimated results in table
below in 10 years, $650 cash down,
$80.00 per year, $40.50 semi-an
nually, or may be paid itflonthy:
Cash at maturity,, end of
eight years $t ,000.00
Cash at maturity, end of
"teh-ycars. ..!...... 1 ,393. 10
Cash settlement 5 years
after maturity.... 1,964.96
Cash settlement 10 years
after' maturity 3,771.79
Annual Annuity for 5
years after maturity 312.19
Annual annuity for 10
years after maturity 171.38
List of Directors, Managers and
Reserve Fund Stockholders of the
Phoenix Savings, Building and
Loan Assn.: ,A. A. Watkins, vice
pres. W. W. Montague & Co. and
president Board of Trade, S. F.;
Charles R. Bishop (late of Hono.
lulu), vice president Batik of Cali
fornia, S. F., director Savings and
Loan Society, S. F., and Calif.
Title Insurance and Trust Co., S.
F., S. Prentis Smith, late asst.
cashier Bank of California, S. F.,
dir. the National Bank of D. O.
Mills, Sacramento; Geo. C. Board
man, gen, agt. Etna Ins. Co., S
F., director San Francisco Savings
Union; Charles E. Ladd, of Ladd
&Tilton, bankers, Portland, Ore.;
Gavin McNabb, attorney at law;
Claretice Grange, late Building and
Loan Cammissioner of Montana,
man. dir. Equitable Savings &
Loan Assn., Portland, Ore.; Theo.
B. Wilcox, pres. Portland Flouring
Mills, Portland, Ore.; R. R. Hoge,
of Hoge & Swift, mfg. agts., Port
land, Ore.; S. M. Mcars, pres.
Portland Cordage Co.; Portland,
Ore. Walter Powell, manager Can
adian Bank of Commerce, S. F.;
C. & G. W. Spencer, Etna Insur
ance Co.; Edgar Mills, capitalist,
San Francisco, Cal.; Chas. F. Dill-
man, cashier National Bank of D.
O. Mills & Co., Sacramento, Cal.;
Geo. D. Dornin, manager Spring
field Fire Ins. Co., S. F., Cal.;'
Geo. H. Fuller, pres. Fuller Desk
Co.r S. F., Cal.; Charles Mills
Gayley, dir. First National Bank,
Berkeley, Cal.; Walter K. Smith,
asst. sec. Phoenix Savings, Build
ing & Loan Association, S. F.,
Cal.; William Thomas, attorney at
law, S. F, Cal.; S. H. Boardman,
with Balfour, Guthrie & Co., S. F.,
CaL; F. A. Ruhl, hardware, Stock
ton, Cal.; F. L. Winn, capt. U. S.
Army; A. Wilson, with Balfour,
Guthrie & Co., S. F., Cal.
Hawaiian Department, Honolulu
Office, Judd building, ground floor;
Robert Slaughter, General Agent.
H. L- HERBERT, Special
The Most Silent Mail.
Undoubtedly the most silent man
in the world is one Jerry Miller,
who lives by himself in the woods
on the outskirts of Chillicothe, O.,
says Philadelphia Public Ledger.
There is a tradition to the effect
that some thirty years ago, when
be was a lad of 1 1 working on his
father's farm, his father gave' him
a sound whipping with a large
whip. Jerry protested that he was
innocent of the offense of which he
had been accused, and, when he
was whipped in spite of his protest,
he resolved never to speak again.
So far as any one knows, he never
has uttered a word since that ddy.
For twenty years he continued to
work on the farm. Ten years ago
he secured possession of a little
field nearby, built himself a cabin,
and'has lived there in solitude ever
Ciiami)Kki.ain's Cough Rkmkdy
is'intended especially for coughs,
colds, croup, whooping cough and
influenza. It has become famous
for its cures of these diseases over
a large part of the civilized world.
The most flattering testimonials
have been received, giving accounts
of its good works; of the aggravat
ing and persistent coughs it has
cured; of severe colds that have
yielded promptly to its soothing
effects, and of the dangerous attacks
of croup it has cured, often saving
the life of the child. The exten
sive use of it for whooping cough,
has .shown that it robs that disease
of all dangerous results. It is es
pecially prized by mothers because
it contains nothing injurious nud
there is not the least danger in giv
ing it, even to babies. It always
cures and cures quickly. The Hilo
Drug Store sells it.
Hilo mercannie Companu. Lia.
Plantation Supplies of
Paints and Oils
Iron and Steel '
A Full and Complete
Line of Groceries
SOLE AGENTS FOR HAWAII
KEEN CUTTER KNIVES AND HOES
P. O. BOX 94
J. C. Ohlandt,
N. OHLANDT & CO.
s Of Eoery' Description.
Sulphate of Potash,
Sulphate of Ammonia,
Alaska Fish Scrap,
127 Market Street. uAN rllANuluuU, uAL. Indiana & Yolo
Certificate of Analysis nccompauies our shipments, which we guarantee
to be correct. 1
Agent for the Hawaiian Islands.
ORDERS FILLED AT SHORT NOTICE.
Waiakea Boat House
R. A. I.UCAS & CO., l'rop'rs.
WAIAKEA BRIDGK, IIII.O
HAVK NOW A 1'I.EKT OV
and Small Boats
FOR l'UIH.IC HIttK
Passengers anil baggage taken to and
from vessels in the harbor t reasonable
rates. Launches ami rowboats to hire
(or private picnics anil moonlight rides.
RING UP ON TELKPIIONK
, AGUNl'S I'OR
Wolverine Gasoline Engine
Self-starter anil reversible engine. In
practicability it Is cental to the steam en
gine. SUes from Vi h. p. upwards,
lloats fitted with this engine or frames of
any sie to order. For particulars apply
to R. A. I.UCAS, Manager.
J. A. Buck
C. II. Buck
AND DKAI.KR3 IN
Muriate of Potash,
Nitrate of Soda,
will deliver to yott
of all flavors
Lemon, Cream, Ginger Ale,
Sarsaparilla, Pineapple, Or
ange, Strawbeiry, etc., etc.
Nititon D. Camkka.Ich.
Walanuenue St., near Pitman
'liUanrtl. Nothing Ilk
and t. Gt 111 Curt for Huptun,
' World ronowntd. jt7linproiuta.
It ruptured Inve.Ufat at ouoe.
Call or writ fur "Hoomir No. 1 "
MAGNETIC E.TRISSCO.. 33W..ttili btr.et.Niw
Yuan, fl, V. or 200 l'ol Mrnl, bau I ramlku, Cal.