1874.] 
AMERICAN AGRICULTURIST. 
-429 
The Ethics of Life Insurance. 
Fire and marine insuranee are purely matters of 
finance ; the rendition of an equivalent for losses 
incurred. No great moral principle, beyond the 
general morality of trade, is involved in their de- 
tails. Important as they are, they cannot be said 
to be based upon any moral principle, or to tend to 
the elevation of the standard of morality. Their 
operation is founded only upon economy, and their 
details are matters of dollars and cents. 
It is not so with life insurance. Here a great 
moral principle is involved. The transaction is not 
merely one relating to dollars and cents. Morality 
and religion have to do directly with it. Humanity 
is elevated, the world make better, and the individ- 
ual disciplined by self-sacrifice. Cousidered in 
view of all this, life insuranee rightfully takes its 
place among the noblest charities man has cou- 
ccived in aid of his fellow-man. 
Life insurance is a moral duty. Rich men are the 
exceptions. The great mass of mankind never rise 
above the possession of an ordinary income, and 
the greatest number live only from day to day. 
Life insurance is now so cheap that it lies within 
the possibilities even of the poor. Any man may 
take out a policy of life insurance and still supply 
his family with the comforts of life. But moral 
duty does not end here. He has been the shield of 
his family during life. It is his duty to see that 
after his death they are still provided for. After 
he has passed away, he must still be their shield, 
and they must still feel his unseen but fostering 
care guarding them from want and its attendant 
train of evils. By a judicious investment in life 
insurance he can effect this, and die, comforted by 
the thought that his wife and offspring will not be 
dependents upon the bounty of relatives, or, worse 
than that upon the cold charities of the world; 
either vf which, to the refined and sensitive 
natuie of woman, is almost as terrible as death. 
When we consider how few men in the fluctuations 
"f life, are enabled to amass a competence, and 
preserve it 60 thatltwill be available for the future 
use of their families, the duty of life insurance is 
made plain. No man that is not utterly 6elflsh can 
endure, for a moment, the suspicions that his 
family may be exposed to destitution ; no man 
who is not a confirmed miser, will hesitate to 
remove every contingency of future want. 
In getting life insurance, get the best ; and this 
is to be had iu every form, of the United States 
Life Insurance Co., of thi6 city. 
Sale C lliimiitatin;: Oils. 
So much has been written within the past four 
years, in reference to the dangerous character of 
the burning oils in common use, so many lives 
have been lost, and so much property destroyed by 
means of them, that it would appear almost super- 
fluous to again warn the public of the danger of 
using anything but the best and highest test oils. 
Thousands of families, however, continue to burn 
oils that are less safe than gunpowder. 
The leading refiners have of late given their at- 
tention to manufacturing a safer and more reliable 
grade of oil for ordinary use, and as a result, the 
more volatile article is being in a measure displaced. 
Messrs Chas. Pratt <fc Co., 108 Fulton st., New Tork, 
have been the pioneers in this good work, and as 
such are entitled to the thanks of the community. 
Their Astral Oil has now obtained a world-wide 
celebrity as the safest and best oil of the kind ever 
made— and it is to be hoped will in time entirely 
supersede the use of the common article. 
- ": WH.t yV-IND ! ^ViWAT*'- ' 
And Not 
'Wear Out. 
Read This Once— Once ! 
Then Read it Again Again! 
WALTHAM WATCHES. 
A CORKECT Timekeeper Is indispensable to every one 
who has appointments to keep, MEN AT "WORK, 
trains to meet, meetings to attend, in tact any business that 
is worth doing should be DONE UEI.L AND ON 
TIME. 
For this purpose every one should own a Waitham "Watch, 
and to meet THE MEANS OP ALL CLASSES, 
they are made of various grades, so that every taste and 
purse can be suited. A SUBSTANTIAL ACCURATE 
WATCH in a Solid Silver Case can be bought for $17, and 
an EXCELLENT SMALL SIZE GOLD WATCH, 
for Ladies, for $50. From these prices they increase in 
value according to the finish of the movement and 
WRIGHT AND PATTERN OF CASES. Special 
qualities are made for Ilailroad use and Travellers. The 
STEM-WINDING ATTACHMENT is now to be 
had with watches of any size or tirade, and in ca^es of any 
weight or pattern. To buy one try the followinc plan first : 
WRITE A SHORT LETTER (on a postal card 
will answer) as follows: 
Howard db Co., 223 Fifth Avenue, Kew York: 
Send me your new Price List of Waitham Watches as 
advertised in the Agriculturist. 
(Sign name and address in full.) 
By return mail ynu will receive the Price List free and post- 
paid. It is a book of lfi pages, and in it are described ONE 
HUNDRED AND SIXTY-POUR VARIETIES 
of Waitham Watches, from which you cannot fail to make 
a selection. Send us the order according to the directions 
in the Price List, and WE WILL SEND THE 
WATCH by express, with the bill to collect on delivery. 
On evtry bill are instructions to the Express Agent to allow 
the purchaser to OPEN THE PACIIAGE AND 
EXAMINE the watch before paying. If it is not in every 
way satisfactory you need not take it, but let it COME 
BACK AT OUR EXPENSE; even alter you have 
taken and paid for it. if it does not prove satisfactory you 
can exchange it, or we will REFUND THE MONEY 
at any time within ajear. 
Do not let distance from New York deter you from writ, 
in?, as the farther you are THE MORE ADVANTAGE 
IT IS FOR YOU to buy of us. 
We have sold some Sixteen Thousand Waitham Watches 
on this plan during the last six years, and fully one-half 
went WEST OF THE MISSISSIPPI and to the 
Pacific States and Territories. At all events if you feel the 
least interett in the matter, write for the Price List, IT 
WILL ONLY' COST YOU ONE CENT lor a postal 
card. 
Be sure and mention that advertisement was seen in the 
Agriculturist. 
Address: HOWARD & CO., 
222 FIFTH AVENUE, NEW YORK. 
2&~ Every Watch warranted by special certificate. 
Parents, reduce your SHOE 
Bills two-thirds, by buying 
SILVER-TIPPED SHOES. 
GREAT WESTERN 
PITTSBURGH PA 
Rifles. Shot Guns, Revolvers, Pistols, Ammunition. Fish- 
ins Tackle, etc. For Price-list, see page 157, April Ko. Am. 
Agriculturist, or address, with stamp, 
UREAT WESTERN GUN TCORKS, 
285 Liberty St., Pittsburgh, Pa. 
ITTTSRURGH, PEMT. 
The most complete institution in the United States for the 
thorough practical education of yonng and middle-aged 
men, with the Inrgeat patronage, and the best course of studv 
of any business college luexistence. ff^" Students admitted 
at any time. For circulars, address 
J. C. SMITH, A. M.. Principal. 
S. B. Parsons & Sons offer at 
Flushing, N. Y., Camellias, Aza- 
leas, Roses, and Rhododendrons, 
and other Trees and Plants. 
GOOP CROtS ^teMSfc 
ture. so Good Health depends on Right Liviua:, 
and the proper obsei vance <>f the Laws oi Lite, ■- rni I 
iu the Scieu.ee of Health. *'i a \ ear ; or. "Ou trial" 
:• months tor ■,•"> cts. single numbers, & dp. Agents wan mil. 
Great Premium Oftera Sewing Mach^ieE ai Wholesale. 
Phrenological Journal. 3 months,'' on trial," IbriiOets. 
A year, *6. S. K. A\ ELLS, B89 Broads u.v. New York. 
GEO. A. PRINCE & CO. 
ORGANS &MELO0EONS. 
The OldeM, Largest and Most Perfect Manufactory In the 
United Siaiea. 
54,000 
^Now in use. 
Ko other Musical Instrument ever obtained the *amo 
popularity. 
IF" Send for rrire-Lists. 
Address RUFKAIjO, N. V. 
(CIKCULAK.) 
Consumers' Importing Tea Co., ) 
No. 8 Church Street, 
P. O. Box 5,509. New York City. J 
This is a combination of capitalists to supply the consum- 
ers of Teas throughout the United Stales on the mutual 
principle. 
"We have experienced agents in all the best districts of 
China and Japan to select Teas especially for our trade. 
We expect every consumer of Teas to rendir us all the 
assistance they cau in carrying out our enterprise, as we 
make a specialty of SUPPLYING CONSUMERS ONLY 
(and allow no middlemen to make any profit on out impor- 
tations), which will enable us to supply them with Teas at 
prices lower than have ever been known, and of those tine 
qualities that seldom reach the interior, being sold only in 
the large cities and among the very wealthy. 
Hoping the consumer will take an interest in our enter- 
prise, and send at once for a circular with lull explanations 
of how to proceed to obtain our goods, we remain, 
Most respectfully jours, 
Consumers' Importing Tea Co., 
No. 3 Church Strrct, 
P. O. Box 5,509. 
New York City. 
Entered, aerorrtine: to Act of Congress, in January, 1874, 
by the Consumers' Importing Tea Co., in the Omce'of the 
Librarian of Congress, Washington, D. C. 
"A TRIAL TRIP 1 ' The *<*«ence « f "cnltb, 
/l J IIH.llJ I 1M1 . a Kirs t Class Health Maga- 
zine, at $2 a vear, wili be sent 3 months "on trial " for25rtS. 
Single numbers, '-'0 ct>. Agents. wam-d. CSreal Premium 
Oft"' rs. Sewing Machines ;if wholesale tor subscriptions. 
The Illustrated Phrenological Journ:il, W a year, 
or singh' No. Si cts.. Bent ■'• months '"on trial," at 50 cts. 
Try it. S. U. WKLLS, 389 Broadway. New York. 
« The Vei-clict." 
GOOD CABLE SCREW WIRE 
Boots and Shoes 
BETTER THAN PEGGED or SEWED. 
II. XV. JOHNS' PAT^^T 
ASBESTOS ROOFIIO FAINT 
For sale by WitchmiVers. rtv pvil. :,t cents. Circular 
Tic: 3. S. BIRCH. 3? Maiden Lane. New Tops, 
"WTfirnrV MADE ttAPIDT",Y^i7iritr,i, i! and 
Old Shlngls, Tin, Slate, Felt, and other Hoofs can lie made water-tight, and rendered serviceable for many year* at a 
triflins cost with H. W. JOHNS' PATENT ASBESTOS ROOFING PAINT AND CEMENT 
(standard browD and other cnlorsl which are prepared ready for use, and can he easily applied by any one. 
5EXB FOR DESCRIPTIVE PAMPHLETS, I>J8|EUCTK>NS FOK l'S> I'lliC'E I.IRTS, ETC. 
H. W. JOHNS, S7 Maiden l-ane. New York, 
