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OF GERMANY

IN E V E R Y HOME ! !

TARRANT'S SELTZER APERIENT

Is based upon a scientific analysis of the celebrated German
Spring whose name it bears, and whose virtues it so

eminently contains.

Each Bottle representing from Thirty to Forty Glasses of

Sparkling, Foaming Seltzer.

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It is Worth Remembering That TARRANT'S SELTZER A PERIENT represents in each bottle thirty to forty glasses of Sparkling Seltzer Water, conta ng all the virtues of the celebrated German Spring.

It is always Fresh! Always Ready! One of the advantages that TARRANT'S SELTZER APERIENT—being a dry white powder --has over many natural mineral waters, is the fact that it never becomes vapid or stale. It is, therefore, the most admirable preparation not only for travelers on land and sea, bat for all who need a bright, fresh, sparkling alterative and corrective, and it is always ready.

TARRANT'S SELTZER APERIENT thus stands at the very front of all, and is adunitted to be the best remedy known for constipation, biliousness, and all disorders of the stomach and bowels.

MANUFACTURED ONLY BY

TARRANT & COMPANY,

NEW YORK.

SOLD BY ALL DRUGGISTS.

OF THE

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NEW YORK LIFE INSURANCE COMPANY.

OFFICE, Nos. 346 & 348 BROADWAY.

JANUARY 1, 1880.
Amount of Net Cash Assets, January 1, 1879....

.$36,213,457.61 Less deduction to cover decrease in value of U. S. Bonds and other assets,

$135,966.93 REVENUE ACCOUNT.

$36,077,490.68 Premiums

.$6,382,875.25 Less deferred premiums January 1, 1879.

379,839.09–$6,003,036.16 Interest and rents

2,339, 75.93 Less interest accrued January 1, 1879.

306,225.93–$2,033,650.00–$8,036,656.16 DISBURSEMENT ACCOUNT.

$44,114,176.84 Losses by death, including Reversionary additions to same.

$1,569,854.22 Endowments matured and discounted, including Reversionary additions to same. 1,015,256.22 Annuities, dividends, and returned premiums on canceled policies..

2,236, 379.97 Taxes and reinsurances....

173,608.64 Commissions, brokerages, agency expenses, and physicians' fees.

626,253.30 Office and law expenses, salaries, advertising, printing, etc..

307,392.81-$5,928,745.16 ASSETS.

$38,185,431.68 Cash in bank, on hand, and in transit (since received)....

-$1,961,702.48
Invested in United States, New York City, and other stucks (market value
$14,356,192 94)..

13,544,671.96
Real estate.

4,974,573.66
Bonds and mortgages, first lien on real estate (buildings thereon insured for

$14,287,000.00, and the policies assigned to the company as additional
collateral security).

15,313,278.95
Temporary loans (secured by stocks, market value $1,300,000).

850,000.00
* Loans on existing policies (the reserve held by the company on these policies
amounts to $3,160,000)..

621,403.02
* Quarterly and semi-annual premiums on existing policies, due subsequent to
January 1, 1880

367,989.02
* Premiums on existing policies in course of transmission and collection (esti-
mated reserve on these policies, $330,000, included in liabilities).

211,625.23
Agents' balances..

22,199.23 Accrued interest on investments January 1, 1880.

317,989.11—$38,285.431 68 * A detailed schedule of the items will aceompany the usual annual report filed with the Insurance

Department of the State of Ner York.
Excess of market value of securities over cost..

811,520.98 CASH ASSETS, January 1, 1880...

$38,996,952.66 Appropriated as follows: Adjusted losses, due subsequent to January 1, 1880..

$225,662 64 Reported losses, awaiting proof, etc.

213,271.31 Matured endowments, due and unpaid.

32,780.98
Reserved for reinsurance on existing policies; participating insurance at 4 perct.

Carlisle net premium : non-participating at 5 per ct. Carlisle net premium. 34,016,840.82
Reserved for contingent liabilities to Tontine

Dividend Fund, over and above

a 4 per cent, reserve on existing policies of that class.

1,371,482.18 Reserved for premiums paid in advance..

16,543.25-$35,876,581.18 Divisible surplus at 4 per cent.,

3,120,371.48

$ 8,996,952 66 Surplus, estimated by the New York State Standard at 4 1-2 per cent., over.. $7,000 000.00

From the undivided surplus of $3,120,371.48 the Poard of Trustees has declared a Reversionary dividend 10 participating policies in proportion to their contribution to surplus, available on settlement of next annual premium. During the year 5,524 policies have been issued, insuring $17,098, 173.

Number of policies in force January 1, 1876, 44,661. Amount at risk, 1876, $126.132,119.
Number of policies in force January 1, 1877, 45,421. Amount at risk, 1877, 127,748.473.
Number of policies in force January 1, 1878, 45,605. Amount at risk, 1878, 127,901,887.
Number of policies in force January 1, 1879, 45,005.

Amount at risk, 1879, 125,232,144.
Number of policies in force January 1, 1880, 45,705. Amount at risk, 1880, 127,417,763.

Death-claims paid 1875, $1,524,815. Income from Interest, 1875, $1,70,658.
Death-claims paid 1876, 1,547,648. Income from Interest, 1876, 1,906,950.
Death-claims paid 1877, 1,638,188. Income from Interest, 1877, 1,667.457.
Death-claims paid 1878, 1,687,676. Income from Interest, 1878, 1,948,665.

Death-claims paid 1879, 1,569,854. Income from Interest, 1879, 2,033,650.
Divisible surplus at 4 per cent. Jan. 1, 1876, $2,499.654 Divisible surplus at 4 per cent. Jan. 1, 1878, $2,664,144
Divisible surplus at 4 per cent. Jan. 1, 1877, 2,626,816 Divisible surplus at 4 per cent. Jan. 1, 1879, 2,811,436

Divisible surplus at 4 per cent. Jan 1, 1880, $3,1 20,371.

TRUSTEES.
MORRIS FRANKLIN, H. B. CLAFLIN,

HENRY BOWERS,

CHARLES WRIGHT, M. D.,
WM. H. APPLETON, JOHN M FIRMAN, Loomis L. WHITE, EDWARD MARTIN,
WILLIAM BARTON, DAVID Dows,

ROBERT B. COLLINS, JOHN MAIRS,
WILLIAM A. BOOTH, GEORGE A. OSGOOD, S. S. FISHER,

Épw. A. WHITTEMOKE,
HENRY TUCK, M.D., ALEXANDER STUDWELL., Williay H. BEERS.
THEODORE M. BANTA, Cashier.

MORRIS FRANKLIN, D. O'DELL, Superintendent of Agencies.

President CHARLES WRIGHT, M. D., Residence, 109 E. 26th St., Medical WILLIAM H. BEERS HENRY TUCK, M. D., Residence, 15 E. 31st St., ) Examiners. Vice-President and Actuary.

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PAGE

CONTENTS.
I. The Classics that Educate Us. By Paul R. SHIPMAN....

145 II. Hysteria and Demonism. II. By Dr. CHARLES RICHET...... 155 III. The Crossing of the Human Races. By A. DE QUATREFAGES. 166 IV. Recent Geographical Exploration. By Chief Justice Daly... 171 V. Dress in Relation to Health. By Dr. BENJAMIN W. RICHARDSON. 182 VI. Studies in Experimental Geology. By STANISLAS MEUNIER. (Illustrated.)

200 "VII. Views of Primitive Marriage. By LORIMER Fison....

203 VIII. Goethe's Farbenlehre. I. By Prof. John TYNDALL, F.R.S.. 215 IX. How Animals Eat. By Herman L. FAIRCHILD. (Illustrated.) 224 X. About Carpenters. By MAURICE MAURIS.

233 XI. The Availability of Energy. By W. D. MILLER, B. A... 244 XII. The Infectious and Contagious Diseases of Children. By Dr. DELPECH....

249 XIII. The Rate of Animal Development. By J. W. SLATER.. 254 XIV. Artificial Diamonds....

259 XV. Sketch of Otto Wilhelm Struve. By Prof. Simon NEWCOMB. (With Portrait.)...

263 XVI. Editor's Table..

265 XVII. Literary Notices.

272 XVIII. Popular Miscellany .

279 XIX. Notes..

288

NEW YORK:
D. APPLETON AND COMPANY,

1, 3, & 5 BOND STREET.

COPYRIGHT BY D. APPLETON & CO., 1880. Putered at the Post-Omice at New York, and admitted for transmission through the mails at second-class rates. By the late Professor JAMES F. W. JOHNSTON.

A New Edition, revised, enlarged, and brought down to the Present Time, by ARTHUR HERBERT CHURCH, M. A., Oxon., author of "Food: its Sources, Constituents, and Uses." Illustrated with Maps and numerous Engravings on Wood.

In one volume, 12mo. 592 pages. Cloth. Price, $2.00.

The Air we Breathe.
The Water we Drink.
The Soil we Cultivate.
The Plant we Rear.
The Bread we Eat.
The Beef we Cook.

SUMMARY OF CONTENTS :
The Beverages we Infuse. The Smells we Dislike.
The Sweets we Extract. The Colors we Admire.
The Liquors we Ferment. What we Breathe and Breathe for.
The Narcotics we Indulge in. What. How, and Why we Digest.
The Poisons we Select. The Body we Cherish.
The Odors we Enjoy. The Circulation of Matter.

In the number and variety of striking illustrations, in the simplicity of its style, and in the closeness and cogency of its arguments, Professor Johnston's "Chemistry of Conmon Life” has as yet found no equal among the many books of a similar character which its success originated, and it steadily maintains its preëminence in the popular scientific literature of the day. In preparing this edition for the press, the editor had the opportunity of consulting Professor Johnston's private and corrected copy of “The Chemistry of Common Life," who had, before his death, gleaned very many fresh details, so that he was able not only to incorporate with his revision some really valuable matter, but to learn the kind of addition which the author contemplated.

For sale by all booksellers; or sent by mail, post-paid, on receipt of price.

D. APPLETON & CO., Publishers, New York.

“New and Rare Plants."

Japanese Maples, Rhododendrons, Hardy and Green-
house Azaleas, Magnolias, Purple Beeches, Roses,
Fruit Trees, Shrubs, Vines, etc. PRICE-LIST FREE.
Special Catalogue of “New and Rare Plants.”

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Flushing, L. 1.

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