The daily morning journal and courier. [volume], February 04, 1902, Page 8, Image 8

About The daily morning journal and courier. [volume] (New Haven, Conn.) 1894-1907

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8
EBW HAVEN MORNING JOUKNAI " AND COUKIEK, TUESDAY. FEBRUARY 4, 1902.
rite flcmcu U i ll $oru;tev
Iukcb jIoni'hh, l.(J; On Month, 6U
Cents; Onh Wbbk, 16 Cknt 8inol
Copies, J Cents.
TuesUuy, Dcbruuiy i IVOJi.
Alt AOVllliJiShMJiAUti llO-JJAT.
., ,, l'ae
Application J. J. Klnuey. a
Auction Sale It. IS. Muliory. 5
Caluudarti N. ti. tius Light Co. 4
Cleveland baking Powder-Choc-el's', a
XJrcss Kklrts llauiiltou & Co. it
fcstate K. Jj. Thompson l'rolwte Notice. 6
Estate K. A. Council Probate Notice. r
I-lie Iimutauoe WUhou A: Co. ti
Fur CoatH Friend b. Urook.s. 2
Incubators F. S. liatt. ti
Lost Watch 2H Lyon Street. fi
l'aderewsklHyperion. 7
I'ostum At Grocers'. 3
Mich Furs ilrooks & Co. 4
Itcinmint jSale Gamble-Desmond Co. 4
Store News The CIihs. Mnusou Co, 3
Shoes (.iambic-Desmond Co. 3
Statement Conn, Mutual Ins. Co. 7
Special Committee on Water Meeting. 5
Store Features The Edw. Malley Co. S
Tuesday is Sule Duv Lnuibert. 8
Women's Boots N. 11. Shoe Co. 2
Wash Fabrics Howe & Stetson. 1
Wanted Situation M Mill Kiver Street. 5
Wanted Situation .'i7 Hillhouso Avenue. ."
Wanted Situation C. W. B., Staion A. 5
FIFTY-SIXTH A 4 N UAL REP3RT
OF THB
CONNECTICUT
til Life
not only exposes its whole Insurance
business to the sudden paying out of
the reserves necessary to its integrity,
but, If it regards its premiums as "de
posits" or as "instalment payments"
for the purchase of "bonds," it has to
charge these deposits or instalments
with not only their annual contribution .
in Henth lnKHPs. hut with commissions 1 'ar,
which
H LAI lit. it ut.coisr.
Washington, T). C, Feb. 3, 1002, S p. m.
Forecast for Tuesday and Wednesday
For New England: Fair and cold Tuesday
end probably Wednesday; diminishing
westerly winds.
For eastern New York: Fair Tuesday and
probably Wednesday; diminishing westerly
winds.
Local YVeafller Itnport.
New Haven, Feb. 3.
H v..
s r.m.
Barometer
Temperature
Wind Dlreotion....
Wind Velocity....
jrrecipicauon .
29.53
27
w
as
.00
2u
w
at
.00
Clear
T 1 -
Weather C'etir
Mln. 1 emperature... 3J
Max. Temperature.. 31
L. 51. TARIt, Observer.
k Brlel IMrnllnn.
High water to-day at 8:35 p. m.
Mr. and Mrs. Henry L. Hotchkiss of
Hlllhouse avenue left Saturday after
noon for a southern trip. They will
spend some time In Florida. They w ent
by the Southern Railway line.
The Kimberley polo team of New
Haven defeated the Winsted team in
the local rink Saturday night by a
ecore of 5 to 4. The game was very
fast and was hard fought throughout.
Judge and Mrs. Epaphroditus Peck
and daughter of Bristol left yesterday
morning for a pleasure trip to Wash
ington, D. C, where they will spend
several days. They will also visit at
Baltimore and will return Friday.
The store of Hoadley & Hutchinson
in Branford was entered by burglars
early yesterday morning and nearly a
wagon load of miscellaneous articles
was carried off. Only a few pennies
were in the cash drawer. There is no
clew,
There are no new developments in
the smallpox situation. Health Officer
St visited the family of the pa-
tientlftA. H. Markle at 24 Gilbert street
yesterday, and found that the vaccina
tion pel-formed last Thursday was
"taking" in all of the children.
1U.K I.A'lt: 7. All WAV tK KAJtSKS.
Resolutions fr..m the Security Insur
ance Cnnipnny.
At a special meeting of the Directors
of the Security Insurance Company held
January 30th, 1902, the following Reso
lutions were adopted:
It is with deep sorrow that this Board
is again called upon to enter upon its
records the death of one more of its
number, T. Attwater Barnes, whose
sudden and unexpected death has
shocked and pained this community.
He has been a member of this Board
for eight years, and we feel that in his
death this Corporation, and we our
selves, have suffered the loss of a val
. ued "business associate, and a warm
personal friend.
A good citizen and an honest man has
finished his earthly career.
We shall long cherish his memory,
and our Secretary Is requested to con
vey to his Widow and Family assur
ances of our profound sympathy In
their bereavement.
SONB OF AMERICAN REVOLUTION.
Thirteenth Annual Dinner to be Held in
This City on February 22.
The thirteenth annual dinner of the
Connecticut Society of the Sons of the
American Revolution will be given In
this city, February 22, under the man
agement of General David Humphrey's
branch, No. 1, C. S. S. A. R. The details
of the dinner are In charge of an ex
ecutive committee appointed by the
etate board of managers, which con
sists of General E. S. Greeley, General
George H. Ford, W. E. Chandler and
Hobart L. Hotchkiss, together with the
chairmen of sub-committees appointed
by the executive board of the branch.
The speakers engaged by Chairman
Greeley are Jonathan Trumbull, presi
dent of the Connecticut society, S. A.
R.; the Hon. Thomas TI. Waller, ex
povernor of Connecticut; the Hon.
David Torrance, chief justice of the
Connecticut supreme court: the Hon.
Francis Murphy, governor of New Jer
sey; Professor W. Lyon Phelps of Yale
university. .
LECTURE BY PROFESSOR SAN
DERSON. Professor R. L. Sanedrson of Yale's
French department has been secured by
the French club to give a series of three
lectures and readings in French. The
proceeds of these lectures will he ap
plied to the maintenance of the French
lectureship fund, which was established
a, year Ufcu. I means, ui Line? fund, it
was possible to secure M. Mabilleau,
who lectured last Friday evening, and
M. LeRoux, who will lecture on March
6
The lectures by Professor Sanderson
will be given on Fridays at 4:30 p. m.,
in Al Osborn hail, as follows: 1, Feb
ruary 7, "Le Theatre de Corneille et de
Racine; Le Cid de Corneille; 2, Febru
ary 14, "Horace Cinna, de Corneille";
S, February 21, "Andromaque, Phedre,
de Racine." Tickets for the series are
$1 and may be obtained at Judil's or at
the Co-op. Single admission at the
door will b fifty ctut.
To The Members:
One more has been added to the many
years in which, by the diligent exercise
of carefulness, prudence and economy,
your company has, in the fullness of
strength and in a degree equalled by
none other, been realizing for Its great
membership the perfect intention and
the ideal results of life insurance; ab
solutely reliable protection to the bene
ficiaries needing it, at its actual and
lowest annual co&t to the person pay
ing for it, with complete equity between
the members; and what is of equal mo
ment, it has steadfastly maintained
those principles of administration
which are essential to enduring success;
those conditions of vigorous vitality de
termined by the selection of sound lives
in healthy localities, low cost of busi
ness, the conservative extent and char
acter of contract undertakings, with
their proper financial basis and protec
tion, which will still enable it as the
years go by to fulfill to the letter, at
least cost, and to the highest hope and
trust of the dependent family, the one
specific service which life insurance,
jilone among human Institutions, can
render.
The Secret of Its Success.
It is by resolute adherence to these
principles and the maintenance of these
necessary conditions, against a compe
tition inspired by very different views,
that The Connecticut Mutual has come
to that estate of solid strength in its
I membership, health and soundness in
, its business, Its condition, and that
steady uniformity of the best results
year after year, which have been and
continue to be among the most marked,
characteristics of its prosperous and
beneficent career
While others strive for great and rap
id growth, regardless of the great cost
and enormous waste of business that
goes with their fierce competition, and
would persuade the public that all who
do not adopt their aims and follow their
methods are deficient in ambition and
energy, your company holds "steady to
the purpose of furnishin! the best that
life insurance can do at its very least
attainable cost.
What better can it do? What other
or different thing ought it to strive for?
What other or different thing can it, or
any other company, undertake with
real success?
The True Aim.
For consider; Life Insurance contem
plates and is adjusted to just one end;
the immediate and sufficient protection
of those dependent ones who are either
not at all or insufficiently provided for
in case their breadwinner dies, and for
whom he can make no other provision
at once, and can make no other at all
except by the long process of yearly
savings slowly accumulated In savings
banks or by investment in safe securi
ties hearing interest at a moderate
rate, all subject to Interruption and de
lay by unfortunate contingencies, and
to be brought to an end at any moment
by his death.
Life insurance changes all this: It,
and it alone among human schemes,
can provide at once, in case of death,
the fund which could have been accu
mulated only in a long lifetime, which
might never have been otherwise accu
mulated at all, which at best could
have grown but slowly, and might have
been stopped at any time.
This is the one thing life Insurance
can dn; this is the one thing which no
other device of man can do. Every oth
er thing that can be done for men with
money, and with their money, can be
done and best done by other financial
schemes and the institutions designed
and fitted to their specific purposes;
but this one thing none other can do.
Therefore must he on whose life others
depend, use it for their immediate and
sufficient protection.
The Limitations of Life Insurance.
In dealing with life insurance as one
of the most useful and influential fac
tors in the development of our socio
economic life, it is of the highest Im
portance not only to recognize at its
fullest use and value its true aim and
single function, but also to recognize
the limitations of that function by rea
son both of the singleness of the aim
itself, and by certain incidents insepa
rable from the conduct of the business
as a business; which Incidents sum up
their effect in an expense of manage
ment necessarily higher than that of
any other class of institutions used for
the care and investment of money.
Unfortunately the business Is and ap
parently can be done only by solicita
tion, which is costly; and it demands
the employment of large office and med
ical etaffs and field organizations.
While, then, the service life insurance
renders is unique, its cost, even when
kept rigidly down to a minimum, is
unique as compared with that of sav
ings banks or the investment of money
in ordinary safe ways.
But because a man's duty to protect
his family is imperative, and because
he cannot otherwise rightly and fully
discharge it, he is justified in incurring
that expense for that purpose. But he
is not justified in incurring that ex
pense by using the company to do some
other different thing which can be done
by some other Instrumentality at far .
less expense.
Moreover, a life insurance company
cannot undertake the obligations and
operations peculiar tn nthov fnotitutin?
without using methods and subjecting
its business to contingencies which
contravene and imperil the very struc
ture imposed upon life insurance by its
own particular purpri.se.
When a life insurance company, in
order to attract business, undertakes to
treat its reserves, created and held for
the ultimate payment of all its insur
ance contracts, as if they were deposits
in a savings bank, subject to withdraw
al at the will of the depositor, and so to
be looked upon by him as an invest
ment; or makes its policies seem to be
a "bond," comparable in cost arid out
come with a real bond investment, it
to agents and other expenses
take out of them every year a large per
centage on each $100 deposited or paid
in, varying according to the company's
economy or want of it. And this stands
in contrast with deposits in Havings
banks without any commissions at all
and but slight comparative cost of man
agement, and with real investments in
mortgages, bonds or good stocks, with)
no expense at all.
Present Competition.
Obviously one cannot afford to em
ploy a life insurance company with its
necessarily high expense rate to Ret as
his savings bank, nor to regard its poli
cies, however phrased, as real invest
ment bonds, nor to have his life insur
ance on which his family depends ex
posed to the constant menace of the
wholesale withdrawal by others of the
necessary reserves as if they were real
ly mere deposits in bank.
Yet it is precisely along these lines
that business is most sought to-day,
and the companies seeking it most ea
gerly are those that have the heaviest
expense rate; and the business is so
cured In part at least through misap
prehension. The expense is concealed
from the policy-holder for the present
j by postponing dividends for long peri-
ods of years, with the expectation also
i that meantime many forfeitures will
occur for the benefit of those who out
stay the period; the "5 per cent, bond"
telle through concealment of its real
cost and of the fact that for the same
money one pays for a $10,000 "bond" he
could have instead $13,000 cash down;
and the companies turn themselves
practically into savings banks, trusting
luck that the run may never come
which would destroy them as insurance
companies.
Lesson of Experience.
And yet one of the most striking fea
tures of the experience of the compa
nies competing by these methods for
great growth for twenty-five years and
more, is the fact that notwithstanding
the enormous lapses and forfeitures
which have occurred and upon wfiich
they have depended for unusual profits
to those who outlived and outstayed the
deferred dividend period, the expense
has been so great that the actual divi
dends have not even approximated the
estimates upon which the business was
secured.
The Sound Position.
It is because there Is but just the one
thing that life Insurance can do that no
other institution can do, and because, at
beet, its necessary cost is relatively
high, and because any other financial
operation can be better and move
cheaply done by some other institution
organized for its own specific purpose,
and because a life insurance company
cannot do anything that other institu
tions specifically undertake except at a
disproportionate and excessive cost,
and yet more, because another thing
which other institutions undertake is,
In specific aim, method and incident, in
conflict with and more or less destruc
tive of the proper aims, methods and
results of life insurance and its admin
istration; it is because of these things
the Connecticut Mutual has refused to
be led aside by the stress of competi
tion, to deck out life insurance in the
garb of something else, has adhered to
the true and particular aim of life in
surance and Its necessary method, and
has thereby accomplished Its intended
j result of perfect protection at low cost
in an incomparable degree; it is be
cause of these things that it still so
bases and frames and administers Its
contracts as to give to its beneficiaries
sure protection at least cost and at an
"nual cost to the payer of the premiums, '
according to his own proper risk from
whatever cause, protecting him against
fraud by others and the cost of it, and
not taking anything from him by any
device for the benefit of some one else.
' It Is in Its business so conceived, so
based and so administered, that your
company has achieved that great
strength, steady prosperity, and that
steady and great volume of operation
that have enabled it to serve its mem
bers to their unique advantage; and it
is In holding to the same sure condi
tions and in the full fruition of their
consequences, that it confidently hopes
to render a future service of equal be
neficence to dependent families, and of
equal value to those whose duty it Is to
protect them.
The Operations of the Year.
In its main results and in the condi
tions affecting the future with which it
closes, the year 1901 was a satisfactory
one. The details, are given so fully else
where that we shall here deal only with
the general features of the year's expe
rience. The new business written was larger
in amount than in the previous year;
the number of lapses and other termi
nations was considerably smaller; the
increase In the amount of business in
force was consequently greater, with a
corresponding increase in premium in- j
come and in assets.
Mortality.
Owing to the age of the company and
the remarkably small proportion of
lapses and surrenders and the conse
quent persistence of its business, its
risks have come to have a greater av
erage age than those of any other com
pany; it has also proportionately
larger resources in the reserves held on
the amount at risk. Although from
the greater average age the mortality
is necessarily large, It is far less than
was expected and has been provided for
by these greater resources, a corres
ponding part of which becomes each
year a saving from the expected losses.
This saving during the past year
amounted to $9!j,819.
The volume of risks, their excellent
character, their steady persistence, and
the enre with which the new bu;:'.r.c?c
is selected to replace the old, all com
bine to give a mortality experience very
favorable in rate and very uniform on
the average. Throughout the entire
history of the company Its losses have
been less than four-fifths of those ex
pected. Expenses of Management.
The same careful economy has been
exercised as in all the past. For the
last two or three years the expenses in
cident to the care and repairs upon
foreclosed real estate, which have been
charged to expense account rather than
to the property account, have carried
our expense ratio temporarily higher i
than our usual standard. This differ
ence will disappear as the property
which has caused It Is disposed of. The
ratio for 1001 was less than that for 1000.
Real Estate, Interest and Investments.
For the seven years prior to 1001 fore
closures of mortgages were in consider
able excess of sales. During the last
however, the situation has
changed; we took in properties costing
us $217,814.35, and sold properties that
had cost $868,379.26. Some of these sold
at a profit and some at less than origi
nal cost. Many of the properties sold
were among our older holdings in lo
calities where changes of business cen
ters had permanently depreciated val
ues. We still have some properties in
like situation, which will probably sell
for something less than cost; and it is
our purpose to dispose of them as it can
be done without unnecessary loss, and
so improve income and reduce expense.
Upon the greater body of our holdings,
however, we may reasonably expect
some gain in a fair market. We have
made a good deal of money on the whole
on foreclosed real estate.
The large addition to the Home Office
building referred to in our last report is
nearing completion, and Is being fol
lowed by changes In and additions to
the old which will bring the two advan
tageously together, with a good pros
pect of a satisfactory financial result.
The interest rate on desirable loans
and securities has tended to a still fur
ther decline, with a growing scarcity of
satisfactory Investments for funds in
the nature of a trust. AVe have consid
erably reduced loans on real estate and
increased our holdings of first-class
railway securities.
The balance or net profit of the year
upon changes in securities and sale of
real estate was $88,603.75.
The market value of our securities
has Increased considerably during the
year; and they are of a character to be
least unfavorably affected by market
fluctuations.
Surplus and Dividends.
As the cost of a man's policy in a mu
tual Insurance company Is the differ
ence between the premiums charged
and the amount returned to him by way
of a dividend, the surplus earned and
the surplus divided become very impor
tant factors in his experience with his
company. Surplus can be earned legit
imately in only three ways: 1, by
smaller expenses than the premium
provides for; 2, by a less mortality than
is provided for; 3, by a higher rate of
interest than is assumed as probable in
computing premiums and reserves.
For many years the competition has
had a bad effect upon the expense ac
count of most companies; it has also
led to a good deal of apparently doubt
ful experimentation in the selection of
risks and in dealing with hazards; and
the steady decline in the interest rate
has eaten away much of a very impor
tant, item of possible surplus.
The matter is of somewhat special in
terest to us at this time because the
disagreeable task of cutting dividends
has been in recent years and Is still be
ing quite largely performed by some
companies; and any reference to their
reduced dividends in comparison with
the increasing sale maintained by The
Connecticut Mutual for now twenty-one
years, is met by the assertion that this
company, too, must presently cut down
lis returns; that the rate of interest is
going down and that its. -SUl.'Alu-'iVjil-ready
diminishing.
We have never undertaken to prophe
sy. We do not try to prejudge events.
We prefer to meet them and our duty
to you under them, without pressure or
prejudice from Wrong preconceptions,
or from having put ourselves in a false
1 position. When we can no longer earn
the surplus we are dividing and can no
longer safely trench upon the large ex-
Istlng surplus, kept up for the purpose,
: to maintain the present rate of divi
1 dend, we shall not hesitate to say so
and to act as the facts may require.
History of Our Surplus.
We only wish to call the attention of
those in any manner interested to a few
pertinent facts:
For many years this company has
been governed by the Idea that, while
surplus should be quite closely divided
each year so as to make a man's pay
ments as small as possible, yet, as it is
impossible thnt an absolutely complete
division can be made, and as a gradual
if small annual reduction in payment
tends to the persistence of the business,
it is desirable in unusually good years
to accumulate such margins of surplus
as may be earned over and above ordi
nary surplus-earning capacity, to be
used in maintaining the dividend rate
in the years when the margins may fall
below. It greatly helps the premium
payer, and, the proper adjustment by
post, mortem dividend being made, it
works no inequity to any one.
During the decade 1870-80. the compa
ny had occasion to trench very largely
on accumulated surplus in this manner.
In 1881 its surplus was $3,351,155, which
j was 6.77 per cent, of its assets. The
conditions being untoward, it was deri
ded to reduce the dividend scale to the
apparent actual earning capacity.
From this point we began to earn small
items of surplus above the amount an
nually divided, In 1SS2 we recast the
premiums and reserves for all future
husiness on a basis of 3 instead of 4 per
cent, interest, which cut down the mar
gin for expenses and increased the
amount required for reserve. Notwith
standing, in 1892, the surplus had crept
up to $6,050,156. It was then deemed
proper to liberally revise the scale of
division; but the surplus continued to
increase until 180?, when it stood at $7,
521.009. Since then it has been some
what drawn upon each year to main
tain the long-continued scale of divi
dend. How long it may be necessary to
do this, if it long remains necessary, or
how far we may deem it wise and pru
dent to continue the process, we cannot
predict. It is a just and proper as well
as the Intended use of past accumula
tions of surplus so long as it is safe.
When it approaches the questionable
point, we shall stop and frankly go
upon a scale that squares with the facts
and condi lions iikei lo govern liie 1U
ture. We could spare over $2,500,000 from
our present surplus of $7,011,040 and yet
have as large a percentage to assets re
maining as when we made the last cut
in 1SS1, saying nothing of over $2,470,- j
4?
Business
Years,
No
Exag?er Vetedua al
Store Features this Week.
There is the sale of Hosiery bought at a special purchase
the biggest bargains yet.
There is the early showing of the new silk waists $5.00
values, surely but $3.47.
Have you seen that sort of grab-bag table of bargains
near the Temple St. Entrance ?
The Little French Corner for manicuring, shampooing,
hair dressing and facial massage.
A lot of unusual handkerchief chances are to be had to
the right of the Entrance to the East Store.
You- will see some of the most beautiful pieces of art em"
broidery in the state now on exhibition in the Millinery
Salon.
If a man wants to get a storm coat for the bleek, rainy
days of February, March and April he'd better look in at
the corner window and see what we're doing. A number of
the coats are going at just about half price.
F. E. Spencer & Co.
SUCCESSORS TO
Spencer, Matthews & Co.
$2
Nagah&ma is Here. M
Have yon seuu the very
latest photos? BEEllS
Photo Studio, 760 Chapel
St., is milking this elegant
work, "The Platiuotype."
'iome ask $10 per doz. fot
them; we cut the price in
two. Come and 9ee how
fine and cheap we make
I hem. either by day Unlit ot
, electric light evening.
The first classes in art embroidery were begun this morn
ing. Late classes are forming and there are a few chances
open in some of the classes already formed. The instruc
tion is without charge.
The Beautiful Art Embroidery
Exhibition is now Open.
000 greater comparative strength In our
reserves by reason of the three per cent,
interest assumption.
We are maintaining the low cost of.
business; the sales of real estate will
gradually reduce taxes and expenses
and Improve the surplus income; and
we shrunk our surplus last year only
$180,308.
And our situation respecting the use
of surplus differs materially from that
of most companies In this, that the bulk
of theirs Is held under a moral though
not a legal or contract Hen for the de
ferred dividends hoped for by those
who outstay the next one to twenty
years. It Is not so with us. It is not
held os a specultaion for a few, but for
the benefit of the business as a whole.
We ask careful scrutiny of the follow
ing record of the operations of fifty-six
years:
2-
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Something Tlint " 111 Do You Uootl.
We know of no way in which we can
be of more service to our readers than
to tell them of something that will be
real good to them. For this reason we
want to acquaint them with what we
consider one of the very best remedies
on the market for coughs, colds and
that alarming complaint, croup. We
refer to Chamberlain's Cough Remedy.
We have used it with such good re
sults in our family so long that it has
become a household necessity. By its
prompt use we haven't any doubt but
that it has time and again prevented
croup. The testimony is given upon
our own experience, and we suggest
that our readers, especially those who
have small children, always keep it. in
their homes as a safeguard against
croup. Camden (S. C.) Messenger. For
sale by all druggists.
jSm CANDY CATHARTIC - 4
10e. Vffl4,l,li,JM.lll'W.UM
lie. lot. wiilnil TITlin
'.ion KNOW '
THIS MEANS BUSINESS
When you learn that COS
GROVE is going to hav a
sale; you know from past ex
perience that , '
A Great Optois?
to buy Shoes for the whole
family, at small cost, is again
here.
Our regular February Sale
will open on next Thursday,
February 6, 1902.
Watch this space for further
details.
M. E. COSGROVE,
45 CHURCH STREET.
111
DragrlaU.
Genuine stamped C. C. C. Never sold In buik.
Beware of the dealer who tries to sell
, "something just as good."
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The Connecticut Mutual has returned
to its policyholders and their benefici
aries 98.86 per cent, of all it has re
ceived from them; what it has returned
and the assets it still holds for the
security of its contracts are 128.98 per
cent, of what it has received for them;
and its expenses of management for all
that time have been but 9.13 per cent,
of its total income.
It is the simple fact that no Ameri
can company matches this record. And
it is this record of the past, the present
maintenance of the conditions which
made it possible, and a financial con
dition of unusual soundness and
strength, that we offer as the best pos
sible guarantees of the future.
Respectfully submitted,
JACOB L. GREENE,
President.
January 21, 1902.
People Hi Know
The Thompson Shop
and its method of doing I
business, know that here the
year round, through busy
season and dull, are employ
ed men who do their work
well exceptionally well.
The services of these men
during our busy season are at
premium, but now they must
work for you at a rate less
skillful men are usually paid.
This explains the following
offer, which we reserve the
right to withdraw at short j J
notice :
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We will measure, make and hang
Oxford Velour Portieres
each side different color PQ Cf)
If you wish at... OlO.OU
per pair.
THOMSON
JHOP
Ely's Liquid Cream Balm is an old
friend in a new form. It is prepared
for the particular benefit of sufferers
from nasal catarrh who are used to an
atomizer in spraying the diseased mem
branes. All the liCiiliiife und nouihing
properties of Cream Balm are retained
in the new preparation. It does not
dry up the secretions. Price, including
spraying tube, 75 cents. At your drug
gist's or Ely Brothers, 56 Warren Street,
New York, will mail it.
Tuesday is
Sale Day
There is only one reason '
why the response to our
'Si
& V1VU1 UIIVW
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! so general,
Sale
5
50c.
trom 10 A. JY1. to
M. We will sell
Derby 4-in-hands at 21c.
each. Sale of 50c. Black
Health for 10 Cents.
A lively liver, pure blood, clean
skin, bright eyes, perfect health
Cascarets Candy Cathartic will ob
tain and secure them for you. Genu
ine tablets stamped C. C. C. Never
sold ia bulk. All druggists, 10c
White
Neckwear
at
OASTOHZA,
Bears the ) "18 Kiild Have Bougflt
(Signature fjf' S AJ-
25c. continues.
EdncatoTour Bowels With Cascarets,
Candy Cathartic, cure constipation forever.
iOc, 5c. 1( C. (J. C, fail, druggists refund messy.
Hats, Haberdnshery and Shoes.
Now at 854 C1IAPKL STREET,
formerly at E2it Chapel St.
N. X. Store, 89-41 Cortlnndt Street
People Mlmil
They came here and
found their belief more
than justified by the fact
that we are selling Men's
OVERCOATS and
SUITS at a reduction
from former prices of
$2 00 to $5.00.
Wt rt bk.W. kV IIM W.W
We are prepared to do JapauolDg of nil
descriptions, in large ur small quantities.
With our facilities we are confident of be
ing able to give satisfaction as to quality,
price and promptness. We should be pleased
to submit estimates on any work of this
natere von may require.
KKLSE1' . CO., 068 STATE SXItEET,
isew Daren, Conn.