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Insurance Company. JOHN A. McCALL,


346 and 348 Broadway, New York City,


It is one of the strongest companies in the world.
It has in Assets over.....

.$200,000,000 It has in Surplus over..

·$28,000,000 It earned for policy-holders last year from interest and rents over.. .$9,000,000 It is purely mutual, and all of its assets, surplus and earnings belong to its policy

holders. It has an honorable record of 53 years, during all of which time it has steadily in

creased in strength and prosperity. Its policies as now issued contain no restriction as to residence, travel or occupation,

habits of life or manner of death. The SOLE condition is that if premiums are paid the Company will certainly pay the

policy immediately in the event it becomes a claim by death, and thus leave a

widow or an estate a legacy and not a law-suit. Its policies cannot be forfeited after three years, and if allowed to lapse, the insured

wll rece ve the full benefit of his payments either in a paid-up policy, or extended

insuiance, as he may elect. It gives a grace of one month in the payment of premiums. Its policies will be re-instated at any time during the five months following the month

of prace if the insured passes a medical examination and pays the back premium

with interest. You can borrow money from the Company at 5% per annum, after your policy has

been three years in furce. You do not have to DIE TO WIN. If you live 10, 15, or 20 years you can settle your

policy in any way that best suits your circumstances at the time—for cash, paid

up insurance, annuity, or other options. Your insurance is not a luxury, nor an expense without tangible return, but is an in

vestment of a small sum each year to mature 10, 15, or 20 years hence, if you

live. If you live to the end of the term you will have made a substantial provision for

y urst-il in old age, and if you die before the end of the term you will have made

a substantial provision for your family or your estate. It is the most valuable estate you will leave behind you, more certain in its results

than lands, houses, stocks, or bunds, as its value does not rise and fall with the

market. The New-York Life Insurance Company is the ONLY company in which you can

ALL of these benefits. You want the very best-the most privileges and the fewest restrictions, whether sma

or great--and the New-York Life's Accumulation Policy furnishes it. The New-York Life is the only large Life Insurance Company that closes its books

December 31st, each year, and makes its Detailed Annual Report early in Janliry, upon the basis of Paid-for Business, and publ'shes a full and compl Statement of how and where the policy-holders' money is invested.

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FOR 1899.


The official National ensign contains 45 stars in a blue field, arranged in 6 rowsthe 1st, 3d and 5th rows having 8 stars each, and the others having 7 stars each. The garrison flag of the Army is made of bunting, 36 feet fly and 20 feet hoist; thirteen stripes, and in the upper quarter, next the staff, is the field or "union" of stars, equal to the number of States, on blue field, over one-third length of the flag, extending to the lower edge of the fourth red stripe from the top. The storm flag is 20 feet by 10 feet, and the recruiting flag 9 feet 9 inches by 4 feet 4 inches.

The "American Jack" is the "union" of the flag, its name originating with the "union" of the English flag at the blending of St. Andrew's Saltier with St. George's Cross.

The "narrow pennant" or "whip" has the union composed of thirteen white stars in horizontal line on a blue field, onefourth the length of the pennant, the re





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(Prepared expressly for The Tribune Almanac by Henry Meier, Taneytown, Md.) ECLIPSES.

There will be five eclipses this year, three of the sun and two of the moon, as follows:

I. A partial eclipse of the sun, January 11, not visible in the United States.


A partial eclipse of the sun, June 8, not visible in America.

A total eclipse of the moon, June 23, not visible in the United States.

An annular eclipse of the sun, December 2, visible in the Antarctic regions.
A partial eclipse of the moon, December 16, visible throughout the United States
as followe:

St. Louis...

Eastern standard time.
Central standard time..
Mountain standard time..
Pacific standard time..

Moon rises with eclipse on.

Eclipse begine.

7:00 p. m. 6:49 p. m. 6:44 p. m. 5:55 p. m. 6:37 p. m. 6:25 p. m. 5:45 p. m. 5:44 p. m. 6:45 p. m. 5:45 p. m. 4:45 p. m. 3:45 p. m.


maining three-fourths of a red and & white stripe, each of the same breadth any part of the taper, with the red uppermost.

Mars until January 20,
Jupiter until April 24 and after Novem-
ber 8.

Saturn until June 10 and after December 16.

Uranus until May 25 and after November 27.

Neptune from June 15 to December 16.

The Revenue Marine Service flag, created by Act of Congress, March 2, 1799, was originally prescribed to "consist of sixteen perpendicular stripes, alternate red and white, the union of the ensign bearing the arms of the United States in dark blue on a white field." The sixteen stripes represented the number of States which had been admitted to the Union at that time, and no change has been made since. Prior to 1871 it bore an eagle in the union of the pennant, which, was then substituted by thirteen blue stars in a white field, but the eagle and stars are still retained in the flag.

June 14, the anniversary of the adoption of the "Stars and Stripes," is celebrated ag Flag Day in many of the States, especially by the children of the public schools.

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