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6 per cent cannot be collected by law. † Not to exceed 10 per cent. New-York has
any rate of interest on call loans of $5,000 or upward, on collateral security.

BY LIFE INSURANCE COMPANIES IN THE UNITED STATES DURING
TWENTY YEARS.
ent, prepared by W. C. Wright, Actuary of the New-England Mutual Life Insurance
average interest received by twenty leading American Life Insurance Companies from
Ch the highest and lowest rate each year. The gradual decline in interest earnings, con-
e of wealth, is exhibited.

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GIVEN AMOUNT WILL DOUBLE AT SEVERAL RATES OF INTEREST.

50.50

AT COMPOUND INTEREST.

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Bates of po
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AT COMPOUND INTEREST.

RATE.

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Mail matter

the becto sed proof The rate on

Manuscript

Third-class . It must

g except The limit of Fimited.

are &

e name a

(Kevised Decemoer, 1891, at the New-York Post-Office, for THE WORLD ALMANAC DOMESTIC RATES OF POSTAGE.

mailable matter for transmission by the United States mails within the United States r classes, under the following regulations :

FIRST-CLASS MATTER.

class includes letters, postal cards and anything sealed or otherwise closed against i ing containing writing not allowed as an accompaniment to printed matter under c es of letter postage to any part of the United States, two cents per ounce or fracti es on local or drop letters at free delivery offices, two cents per ounce or fraction th where there is no free delivery by carriers, one cent per ounce or fraction thereof. es on postal cards, one cent. Nothing must be added or attached to a postal card, d address slip may be pasted on the address side. The addition of anything els I to letter postage. A card containing any offensive dun or any scurrilous or inde tion will not be forwarded. Nothing but the address must be placed on the face, o es on specially delivered letters, ten cents on each letter in addition to the regula titles the letter to immediate delivery by special messenger. Special delivery stam offices, and must be affixed to such letters. An ordinary ten-cent stamp affixed entitle it to special delivery. The delivery, at carrier offices, extends to the limits tes. At non-carrier offices it extends to one mile from the post-office. Postmaste to deliver beyond these limits, and letters addressed to places beyond must await al way, notwithstanding the special delivery stamp.

payment by stamps invariably required. Postage on all letters should be fully pr id one full rate and no more, they will be forwarded, and the amount of deficient p on delivery; if wholly unpaid, or prepaid with less than one full rate, and deposited he addressee will be notified to remit postage; and if he fails to do so, they will be etter Office; but they will be returned to the sender if he is located at the place o his address be printed or written upon them.

ter rates are charged on all productions by the typewriter or manifold process. tters (but no other class of mail matter) will be returned to the sender free, if a requ s printed or written on the envelope. There is no limit of weight for first-class mat epaid letters will be reforwarded from one post-office to another upon the written req addressed, without additional charge for postage. The direction on forwarded leti ed as many times as may be necessary to reach the person addressed.

SECOND-CLASS MATTER.

is class includes all newspapers, periodicals or matter exclusively in print and regul ed intervals as frequently as four times a year, from a known office of publicatio , to actual subscribers or news agents, and transient newspapers and publications of nailed by persons other than publishers.

ates of postage to publishers, one cent a pound or fractional part thereof, prepaid 3. Publications designed primarily for advertising or free círculation, or not havin ist of subscribers, are excluded from the pound rate, and pay third-class rates. blications sent to actual subscribers in the county where published are free, unless elivery at a letter-carrier office,

ates of postage on transient newspapers, magazines or periodicals, one cent for each f ction thereof. It should be observed that the rate is one cent for each four ounce or each paper. These rates do not apply for transient publications mailed for loc riers at a Free Delivery Office. Second-class matter will be entitled to special deli 1 delivery ten-cent stamps are affixed in addition to the regular postage. ansient second-class matter must be so wrapped as to enable the postmaster to insp 's name and address may be written in them, but any other writing subjects the matt ge. The name and address of the sender may also be written on the wrapper.

THIRD-CLASS MATTER.

ail matter of the third class includes printed books, pamphlets, engravings, circular the hectograph, electric pen or similar process), and other matter wholly in print, pro ted proof-sheets and manuscript copy accompanying the same.

he rate on matter of this class is one cent for each two ounces or fraction thereof. anuscript unaccompanied by proof-sheets must pay letter rates.

hird-class matter must admit of easy inspection, otherwise it will be charged letter r . It must be fully prepaid, or it will not be forwarded. Its wrapper must bear no ng except the name and address of the sender and a return request.

he limit of weight is four pounds, except single books in separate packages, on which

FOURTH-CLASS MATTER.

trans

hay dej

natter is all mailable matter not included in the three preceding classes, which is o ailing as to be easily withdrawn from the wrapper and examined. It embracesteia, samples of every description, and coin or specie."

ge, one cent for each ounce or fraction thereof (except seeds, roots, bulbs, cuttings, the rate on which is one cent for each two ounces or fraction thereof). This lly prepaid, or it will not be forwarded. The affixing of special delivery ten-cent to the regular postage entitles fourth-class matter to special delivery. (See reond-class matter.")

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s class that are liable to injure or deface the mails, such as glass, sugar, needles must be first wrapped in a bag, box, or open envelope and then secured in anothered by ox, made of metal or hard wood, without sharp corners or edges, and having a ca crew lid, thus securing the articles in a double package. The public should bear by sta first object of the department is to transport the mails safely, and every other bordinate.

as poisons, explosives or inflammable articles, live animals, insects or substances Or will not be forwarded in any case.

a

he case w the addr of the

s respecting the mailing of liquids are as follows: Liquids, not ardent, vinous, and not liable to spontaneous combustion or shock leter ble (such as kerosene, naphtha or turpentine) may be admitted to the mails for hin the United States. When contained in glass bottles or vials, such bottles or ng enough to stand the shock of handling in the mails, and must be enclosed in maché block or tube not less than three sixteenths of an inch thick in the thinnest

, the omiss

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to support the weight of mails piled in bags and resist rough handling; and carries Ome other absorbent, sufficient to protect the glass from shock in handling; thefantries. a

vided, between the bottle and its wooden case, a cushion of cork-crumbs, cotton,

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e impervious to liquids, including oils, and to be closed by a tightly fitting screw-lid
with a rubber or other pad so adjusted as to make the block or tube water-tight and
kage of the contents, in case of breaking of the glass. When enclosed in a tin cyl
or tube, such cylinder, case or tube should have a screw-lid with a rubber or cork
order to make the same water-tight, and should be securely fastened in a wooden
lock (open only at one end), and not less in thickness and strength than above
uld be well always to consult the postmaster in reference to the proposed mailing
mit of admissible liquids and oils is not exceeding four ounces, liquid measure.
nt of fourth-class matter (excepting liquids), four pounds.

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address of the sender, preceded by the word "from," also the names and number articles enclosed, may be written on the wrapper of fourth-class matter without charge. A request to the delivering postmaster may also be written asking him age if not delivered.

REGISTRATION.

r to write out

of paper, or

E officials who

Sever send mo

ostal matter, except second-class matter, can be registered at the rate of ten cents n addition to the regular rates of postage, to be fully prepaid by stamps. Each r the name and address of the sender, and a receipt will be returned from the peressed. Mail matter can be registered at all post-offices in the United States.

e-order or in

e Department or its revenue is not by law liable for the loss of any registered

DOMESTIC MONEY ORDERS.

ot only runs

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ey orders are issued by money-order post-offices for any amount up to $100, at exceeding $5, five cents; for $5 to $10, eight cents; for $10 to $15, ten cents; for à cents; for $30 to $40, twenty cents; for $40 to $50, twenty-five cents; for $50 s; for $60 to $70, thirty-five cents; for $70 to $80, forty cents; for $80 to $100, an $100 is required, additional orders must be obtained, but not more than three ed in one day to the same payee, payable at the same office.

8:

POSTAL NOTES.

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issued for sums less than $5, for a fee of three cents, and are payable to any them, either at the office designated on the note or at the office of issue within ate of issue.

LETTER-SHEET ENVELOPES.

er nickel co

except as a

A cannot

way to a pent

to a person ed envelope o

carried out

forbidden information

e Department now issues a combined letter-sheet and envelope of the denominaThe prices are as follows: one, three cents; two, five cents; five, twelve cents; cents; one hundred, $2.30; one thousand, $23.

STAMPED ENVELOPES.

mped envelopes and newspaper wrappers of several denominations, sizes and sale at post-offices, singly or in quantities, at a small advance on the postage rate.

FREE DELIVERY.

ery of mail matter at the residences of the people desiring it is required by law in

r delivery t

latter der

ores for t

the rece

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erem, franked by members of Congress of the secretary of tine penate, or Gierk transmitted by the Commissioner of Agriculture, or by any Member of Congres hat department.

eriodicals sent to subscribers within the county where printed.

rs and packages relating exclusively to the business of the Government of the ed only by officers of the same, publications required to be mailed to the Librarian e copyright law, and letters and parcels mailed by the Smithsonian Institution. A ered by specially printed "penalty" envelopes or labels.

munications to Government officers, and to or from Members of Congress, are requ by stamps.

SUGGESTIONS TO THE PUBLIC.

(From the United States Official Postal-Guide.)

1 letters, etc., as early as practicable, especially when sent in large numbers, as case with newspapers and circulars. The trouble of the post-office is much dim when mailed in large numbers, are tied in bundles, with the addresses all in one dir he address legible and complete, giving the name of the post-office, county and of the street and number of the house should also be given on letters addressed t r-carriers are employed; while the letter will eventually reach its destination wi e omission is often a cause of hesitation and delay. In the case of letters for pl untries, and especially in Canada, in which country there are many post-offices hav es as post-offices in the United States and in England, the name of the country, as fice, should be given in full. Letters addressed, for instance, merely to "London, "England," are frequently sent to London, Canada, and vice versa, thereby causing erious loss. Letters addressed to Burlington, N. S. (Nova Scotia), often go to Burli on account of the resemblance between S and Y when carelessly written. It w rite out names of States in full.

as much as possible, using envelopes made of thin paper, especially where more th aper, or any other article than paper, is enclosed. Being often handled, and even subject to pressure, such envelopes not unfrequently split open, giving cause of con cials who are entirely innocent in the matter.

send money or any other article of value through the mail, except either by mea er or in a registered letter. Any person who sends money or jewelry in an unreg only runs a risk of losing his property, but exposes to temptation every one through letter passes, and may be the means of ultimately bringing some clerk or letter-ca at every letter contains the full name and post-office address of the writer, with cour rder to secure the return of the letter, if the person to whom it is directed cannot be arger portion of the undelivered letters could be returned if the names and addresses ere always fully and plainly written or printed inside or on the envelopes. Person è correspondence find it most convenient to use "special request envelopes;" bu mail an occasional letter can avoid much trouble by writing a request to "return if etc., on the envelope.

dropping a letter, newspaper, etc., into a street mailing-box, or into the receptacle at ays see that the packet falls into the box, and does not stick in its passage: observ ly, whether the postage-stamps remain securely in their places.

ge-stamps should be placed on the upper right-hand corner of the address side of al

asters are not obliged to accept in payment for postage-stamps or stamped env etc., any currency which may be so mutilated as to be uncurrent, or the genuine nnot be clearly ascertained. They are not obliged to receive more than twenty-five c nickel coins. They are not obliged to affix stamps to letters, nor are they obliged to cept as a matter of courtesy. They must not give credit for postage.

s cannot be carried out of the mail except in postage-stamped envelopes. There is a person who is not acting as a common carrier carrying a sealed letter, wheth envelope or not; but to continue the practice, or receive money for so doing, would to a penalty of one hundred and fifty dollars. Newspapers, magazines and peri arried out of the mail for sale or distribution to subscribers, but if they are put into delivery the postage must be paid thereon.

forbidden by the regulations of the Post-Office Department for postmasters to give formation concerning the mail-matter of another, or to disclose the name of a box-office.

matter deposited in any receptacle erected by the Post-Office Department, such as oxes for the reception of mail-matter to be collected by letter-carriers, or boxes in ra or the reception of matter to be collected by employés of the railway mail service, med by any one under any circumstances. Persons depositing letters in the latter, in lelivery, do so at their own risk, and cannot reclaim them except through the Dead ers addressed to persons temporarily sojourning in a city where the Free Delivery Sys

er designated place or delivery.

rning lotteries, gift concerts or schemes devised to defraud the public, or for ing money under false pretences, is denied transmission in the United States for the establishment of post-offices should be addressed to the First Assistant accompanied by a statement of the necessity therefor. Instructions will then furnished to enable the petitioners to provide the department with the necesrules and suggestions apply to postal matters in the United States.

RAL REGULATIONS RESPECTING FOREIGN MAILS.

prepaid upon articles only by means of the postage-stamps of the country in emailed. Hence articles mailed in one country addressed to another country, tamps of the country to which they are addressed, are treated as if they had tached to them.

in the mails at less than letter rates of postage must be so wrapped that it can at the office of delivery, as well as the mailing office, without destroying the

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periodicals sent in the mails to foreign countries other than those of the Postal pped singly. Those sent by publishers to regular subscribers in Canada and sible as in domestic mails, except that packages addressed to Mexico must not unces in weight.

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es two-cent postal card should be used for card correspondence with foreign anada and Mexico, to which countries the one-cent card is transmissible), but not be obtained, it is allowable to use for this purpose the United States onea one-cent United States adhesive postage-stamp attached thereto.

ll kinds received from any country of the Postal Union is required to be reforst of the addressee, from one post-office to another, or to any foreign country cal Union, without additional charge for postage.

..

British n

excep

Redistration

bited from domestic mails are also excluded from circulation in the mails to intries. Postal cards or letters addressed to go around the world will not be hibited.

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other periodical publications received in the mails from abroad under the proties or conventions are free from customs duty.

forwarded to the United States from the Postal Union are delivered to ades of destination upon payment of the duties levied thereon.

except a

peris gra

cards eac spapers and

mercial pape

sales of merch

3, 1883, imposes a duty of 25 per cent ad valorem on all printed matter not ovided for, without regard to mode of importation. Under said act, all printed apers and periodicals, and except printed matter other than books imported in al use, is subject to the regular duty of 25 per cent ad valorem.

FOREIGN (INTERNATIONAL) MONEY ORDERS.

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eceived from the Postal Union are chargeable with 10 cents per 15 grams (
y prepaid correspondence of all kinds is chargeable with double the amount
operation postal conventions for the exchange of money orders between the
e following countries-viz.: Switzerland, Great Britain and Ireland, Germany,
la and Newfoundland, Jamaica, New South Wales, Victoria, New Zealand,
De Colony, the Windward Islands, the Leeward Islands, Belgium, Portugal,
weden, Norway, Japan, Denmark and the Netherlands.

ge.

n international money order from the issuing postmaster, the remitter must ost, to the payee, if the latter resides in Canada, Great Britain and Ireland, lony, France and Algeria, New Zealand, New South Wales, Victoria, Tasmania, ward and Windward Islands, and Constantinople.

ase and

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ould be retained by the remitter if the intended beneficiary live in any of the untries: Germany, Switzerland, Austria, Hungary, Italy, Belgium, Portugal, enmark, British India, Egypt, Japan, Hong Kong, in which case it is of no nce of deposit of the sum therein mentioned. Another and different form of led to the payee by the exchange office in the country of payment.

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mission or fees charged for the issue of all international money orders are as
ot exceeding $10, 10 cents; over $10 and not exceeding $20, 20 cents; over $2
0, 30 cents; over $30 and not exceeding $40, 40 cents; ever $40 and not ex-

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TOTAL ROUT

Unsealed packages of mailable merchandise may be sent by Parcels Post to the Bahamas, British Honduras, Mexico, the Hawaiian Kingdom (Sandwich d Islands, the Republic of Colombia, Costa Rica and Salvador, at the following parcel not exceeding one pound in weight, 12 cents; for each additional pound 12 cents. The maximum weight allowed is eleven pounds-the extremne dir Mexico, Costa Rico and Colombia being two feet length by four feet girth, antries three feet, six inches length and six feet length and girth combined. apped so as to permit their contents to be easily examined by postmasters.

and inflammahla enhetancos aro ovoluded. Parcels mov ho racistorad for

PAREL B

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