1874] 
AMERICAN AGRICULTURIST. 
149 
Life Insurance. 
THE largo majority of men do not accumulate. 
Tbey live in the present. They take care of 
to-day's wanta with to-day's means. They use 
their capital, forgetful that it may at any time be 
made unavailable by disease or accident, or swept 
away entirely by death ; forgetful also that, as the 
years roll on and the palsy of age steals over them, 
that capital which they have in life and health will 
gradually diminish and its incoming interest 
grow less. 
These considerations, to the man who has only 
himself to care for, are but trifling. He knows that 
so long as he is able to work he will be provided 
for, and that when death comes he will receive the 
last offices of the living — whether kind and loving 
or merely formal matters little to him. But he 
wh» has a family should bethink himself that he 
liveth not unto himself alone ; that he owe.3 a duty 
to those who are dependent upon him. Of the 
capital which he has in his strong arms and his 
trained intellect, only so much belongs to himself 
as is necessary, by its use, to provide himself with 
the means of living, and that which remains belongs 
to those whose natural protector he is. He has no 
right, if he can in any way guard against the con- 
tingency, to deprive them of their rightful share of 
the capital. He may guard against that contin- 
gency, if he shall live long enough, by saving his 
surplus till it shall reach a sum sufficient for their 
support. It is well — nay, it is his duty — to do this. 
But in the way of its accomplishment stands that 
ominous " if.'* To-day he is strong, capable, with 
a long life apparently before him. His capital and 
that of his wife and children is to all appearance as 
secure as though it stood in United States bonds. 
To-morrow the skeleton hand of the grim messen- 
ger reaches for him, and his strength is impotent, 
his skill is naught. The man's capital is dissipated ! 
To himself this is nothing, tor he has no earthly 
wants to be supplied ; but to his family his death 
is utter bankruptcy. For them "the strong staff 
is broken," and they are helpless. 
Just here the beneficence of life insurance is 
made to appear. By accepting the oflcr held out 
by the United States Life Insurance Co. of this 
city, the man whose capital is all in himself may 
continue that capital for the use of his dear ones. 
There is no other investment so safe as this, and 
none more profitable. The Company has proved 
its stability through the most eventful quarter of 
a century in the history of this country. Its plans 
are liberal ; its management honest and capable ; 
and its security beyond doubt. 
The Best Water Pipe, 
also the cheapest, when strength and durability 
are considered, is the Tin-Lined Lead Pipe, made 
by the Col well Lead Co., No. 213 Centre St., 
New York. Price \&% cents a pound. Descrip- 
tive Pamphlets 6ent by mail free. 
S. B. Parsons & Sons offer at 
Flushing, N. Y., Rhododendrons 
and other Trees and Plants at 
less than cost of importation. 
HOWARD & CO.'S 
Advertisement of 

Walai Watches. 
When you write, toty 
nchwtieement earn in 
"Am. AgriwUurisL." 
A catalogue of all the 
grides of genuine Waltham 
Watches, with prices, will 
be mailed free to any one 
who writes to Howard & 
Co., No. 223 Fifth Ave., 
New York. Watches or- 
dered from it will be sent 
by express for examination 
to any part of the country. 
Gold and Silver Watches 
only. ALL warranted. 
LOW prices and no risk. 
SEND FOR THE BOOK 
and judge for yourself. 
Mutilated National Bank Notes 
g 
and C B. notes bought— one (11 per cent discount. Two 
"*■) per cent premium paid for broken National Bank Korea, 
B HAVE.V & TO WNBEND, 40 6. 8d 6t„ Philadelphia, Pa. 
MnTTT7V~ M ^ DE_RAPIDLY ^ i ^Stencil _ aid 
JwlvlN iit I Kev Check Outfits. Catalogues and full par- 
ticulars free. S. M. Spencer. 117 Ban over it.. Boston, Mass. 
BANKING & FINANCIAL. 
vr Banking-house of fisk & hatch. 
No. 5 Nassau st., New York. 
We bny and sell Government Bonds and Gold at cur- 
rent market rates ; buy Gold Coupons ; buy and sell 
Stocks and Bonds at the Stock Exchange on Commis- 
sion, for cash ; rcccivo Deposits and allow Interest at 
the rate of four per cent. ; make Collections, and trans- 
act a general Banking and Financial business. 
We also deal in the CENTRAL PACIFIC 
and WESTERN PACIFIC GOLD BONDS, 
which, at present prices, are very desirable for invest- 
ment. 
We are also selling the CEVl'IMI/ PACIFIC 
GOLD SIX PER CENT LAND BONDS 
at 85 and accrued interest. 
FISK & HATCH. 
The finest nnd richest chromo ever sent out by anv editor 
us a premium. It is no "cheap <iaul>" or "meahiiifflefca 
picture," as is proved by the unanimous verdict of all 10 
whom :t lias been sent. 
John J. TnoMAS, Union Springs, N. T.. writes: "The 
common practice of offering Chromoa to subscribers has 
nearly had lis day— third rate ones being chosen for the pur- 
pose because they can not lie otherwise disposed of. This 
on s, however, is n Very different thine— good aB a work of 
art, and brilliant and refreshing as a picture. The fine dis- 
play of fruit which it represents make* it very appropriate 
tor the readers of tin* J-'ruit Hecorder, and I think all will be | 
pleased with It." 
From James Vick. Rochester, N. F. :— " Friend Purdt: 
Accept my thanks for your prettv Fruir Chrcmo. Tt is well 
executed, and will be appreciated by all lovers of fruits and 
p 'itntimrs. Next yettr. enppnse you give us a Chromo of 
popular Small Fruits, in winch you take so much Interest." 
From J. B. Root, Rockford, 111.: "We shall hereafter 
have choice iruit in the house the year round, for your 
Chromo iB fully equal to nature— one of the finest pieces tor 
the drawing-room I ever saw." 
We have similar testimonials from such men ns T. G. Ypo- 
man?, Thos. Mcehan, Ellwanger & Barry, William Parry, 
T. C. Maxwell, and hundreds of other subscribers who have 
received it— most of ihem going into ecstasies over it. Out 
of the twelve thousand we have now sent the Chromo to 
we have not received a xiitffle complaint. We doubt if this 
can be said of manv chromo* sent out as premiums. We 
offer to refund the money and stop the paper if any are dis- 
satisfied with ihe Chromo or paper and will return them to 
us. We have the entire cnntrol of this magnificent fruit 
piece, and it can only be had by subscribing for 
" The Fruit Recorder & Cottage Gardener" for 1874, 
a monthly, at $1.00 per year, or $1.15 with the Chromo. 
Specimen copies of the paper sent/ree to all applicants. A 
single copy will satisfy any one as to its being the mast 
practical paper printed on this continent for the fruit grow- 
er, flower fancier, and market gardener. Club agents say 
they have found nothing like it and Chromo to work with, 
and that no publisher offers more liberal inducements. All 
necessary papers sent to such as desire to work for clubs on 
application. We also send out a book of 61 nazes, called 
" The Small Fruit In^trnrtor." which tells in a 
plain, common-sense wav just how to grow small fruits in 
abundance for family U9e and market. Price, pott-pukl, 2J 
cents. Address 
A. M. PIIRDY, Palmyra. N. Y. 
Send for The PIONEER. 
I hear the tread of pioneers 
Of nations yet to be ; 
The first low wash of waves where soon 
Shall roll a human sea. 
A handsome illustrated paper, with Information for ths 
fboplb, mailed free to all applicants. Address 
O. F. DAVIS, 
Zand Comjnissioner TJ. p, R.R^ 
OMAEA, NEB. 
Farm for Bale. 
Rare Chance 
Consumers Importing Tea Co., ) 
No. 8 Church Street, f 
P. O. Box 5,509. New York City. ) 
Th a is a combination of capitalists to supply the consum- 
ers of Teas throughout the United States on the mutual 
principle. 
Wo have experienced agents in all the best districts of 
China and Japan to select Teas especially tor our trade. 
Wc expect every consumer of Teas to render us all the 
assistance they cau iu carrying out our enterprise, as we 
make a specialty of SUPPLYING CONSUMERS ONLY 
(and allow no middlemen to make any profit on our Import- 
ations), which will enable us to supply them with Teas at 
prices lower than have ever been known, and of thoBe fine 
qualities that seldom reach the interior, being Bold oaly In 
the large cities and among the very wealthy. 
rioping the consumer will take an interest In our enter- 
prise, and send at once for a circular with full explanations 
of how to proceed to obtain our goods, wc remain, 
Most respcctlully yours, 
Consumers Importing Tea Co., 
P. O. Box 5,509. 
No. 8 Church Street, 
New York City. 
Entered, according to Act "f Congress, In January, 1874, 
by the Consumers Importing Tea Co.. in the Office of th* 
Librarian of Congress, Washington, D. C. 
GREAT DEDUCTION. 
TEAS and COFFEES 
At Wholesale Prices. 
Increased Facilities to Club Organisers. 
Sen:l for New Prico-Ztfst. 
THE GREAT AMERICAN TEA COMPANY, 
(P. O. Box 5W3.) 31 mid 33 Vescy St., New York. 
GEO. A. PRINCE & CO. 
The Oldest, Largest, ana Most Perfect Manufactory In the 
United States. 
No other Musical Instrument ever obtained the sam« 
popularity. 
tW Send for Price-Lists. 
Address BUFFALO, N. Y- 
"Th^ Best Article in the 
larket. "—,4m*. JnsUnUe itepw*. iS7.l 
to bny a farm under good cultivation. 100 acres: well ' 
watered ; suitable for stock-breeding, dairy, or tobacco. 
Good buildings. 15 miles from Hartford; 2 miles from 
R.R. station; IK miles from six churches, good schools, 
and markets. Address 
WM. K. HURD, Forestville, Ct. i or our weekly 
mmmm, 
H. W. JOHNS, 87 Maiden Lane, N. Y. 
Patentee and Sole Manufacturer. Established 1853. 
Beckwith Sewing Machine Co. 
■Will exchange their $30 PORTABLE FAMILY 
SEW1SG MACHINE! for their $10 and $11 machines, 
and allow for the same when returned their retail price le»9 
t?, to apply In part payment of one new $20 machine. Send 
for Circular and samples. Address 
803 Broadway, New York. 
BY MAIL-o plants 
for»l/0; 19.00 per 1*. See 
Advertisement, page 156. 
PARSONS &, CO., Flushiug, n-.T. 
ROSES 
R. B 
WA. COVERT Ac CO., Produce 
• Commission Merchnnts. No. 63 Pearl Street. 
New York. "Quick sales and prompt returns.** f^*~Sonc( 
Prices- " 
ea-enrrent and Marking Pl-Ue. U£% 
