PIANOS Have shown themselves to be so far superior to all others in Excellence of Workmanship, Elasticity of Touch, Beauty of Tone, and great Durability, that they are now earnestly sought for by all persons desiring THE VERY BEST PIANO. CAUTION.-All genuine Decker Pianos have the following name (precisely as here shown) on the pianos above the keys: Decker Brothers. SEND FOR ILLUSTRATED CATALOGUE. No. 33 Union Square, NEW YORK. II. College Athletics. I. By Professor E. L. RICHARDS... 446 454 469 474 484 488 491 IV. Dangerous Kerosene. By Prof. JOHN T. STODDARD. (Illus.) 461 V. The Morality of Happiness. By THOMAS FOSTER.... VI. The Aurora Borealis. By M. ANTOINE DE SAPORTA... VII. Defenses of the Lesser Animals. By Professor L. GLASER.... VIII. The Comet of 1812 and 1883. By Prof. D. KIRKWOOD..... IX. How we Sneeze, Laugh, Stammer, and Sigh. By F. A. FERNALD. X. The Chemistry of Cookery. By W. MATTIEU WILLIAMS...... XI. Under-Ground Wires. By Dr. WILLIAM W. JACQUES.. XII. An Overdose of Hasheesh. By MARY C. HUNGERFORD. XIII. The Causes of Earthquakes. By M. DAUBRÉE..... XIV. Last Wills and Testaments. By JOSEPH W. SUTPHEN.... XV. Fifty Years of Mechanical Engineering. By A. C. HARDING.. 530 XVI. A Prehistoric Water-System. By M. A. LÜDERS. XVII. Working Capacity of Unshod Horses. By A. F. ASTLEY. (Illus.) 542 XVIII. House-Building in the East... .... ...... XIX. Sketch of Sir Charles William Siemens. With Portrait....... 496 503 509 515 520 539 544 549 554 556 561 570 575 COPYRIGHT BY D. APPLETON AND CO., 1884. Entered at the Post-Office at New York, and admitted for transmission through the mails at second-class rates. New York Life Insurance Co. Office, Nos. 346 & 348 Broadway. JANUARY 1, 1883. Losses by death, including Reversionary additions to same.... Total paid Policy-holders. Taxes and re-insurances.. Commissions, brokerages, agency expenses, and physicians' fees. ASSETS. $6,210,809.71 Cash in bank, on hand, and in transit (since received). Bonds and mortgages, first lien on real estate (buildings thereon insured for $17,950,000.00 19,806,940.16 494,032.28 Quarterly and semi-annual premiums on existing policies, due subsequent to Jan. 1, 1883 540,555.91 394.895.19 62,424.95 Accrued interest on investments January 1, 1883.. Excess of market value of securities over cost.. A detailed schedule of these items will accompany the usual annual report filed with the Insurance Department of the State of New York. CASH ASSETS, January 1, 1883, Appropriated as follows: Adjusted losses, due subsequent to January 1, 1883...... Matured endowments, due and unpaid (claims not presented). Reserved for re-insurance on existing policies; participating insurance at 4 per cent. $351.451.21 43,174,402.78 over and above a 4 per cent. reserve on existing policies of that class....$2,054,244.03 Addition to the Fund during 1882 for surplus and matured reserves..... 1,109,966.00 DEDUCT $5,164,210.08 Returned to Tontine policy-holders during the year on Matured Tontines... 1,072,887.87 2,091,372.16 $45,851,555.03 DIVISIBLE SURPLUS at 4 per cent 4,948,841.79 10,000,000.00 Surplus by New York State Standard at 4 per cent., estimated at.. Number of Policies Jan. 1, 1879..45,005. MORRIS FRANKLIN, Amount at Risk. Death-claims Paid. Income from Inter- Divisible Surplus at 4 Jan. 1, 1879...$125,282,144. 1878.....$1,687,676. 1878..... H. B. CLAFLIN, WILLIAM A. BOOTH, HENRY BOWERS, THEODORE M. BANTA, Cashier. LOOMIS L. WHITE, CHAS. WRIGHT, M. D., D. O'DELL, Superintendent of Agencies. MORRIS FRANKLIN, President. CHARLES WRIGHT, M.D., Medical Examiners. WILLIAM H. BEERS Vice-Pres. and Actuary. HENRY TUCK, M. D., |