PARK AND CEMETERY. 
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Irj.tei Life of Kew St 
one Ir. 
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25 
30 
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1.217 
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240. 90| 193.28 
165.14 
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103.90 
101.07 98.73 
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142,44 
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96.40 
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89.62 
87.17 85.16 
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2.191 
renewal cf e e-rar.l*.« ncf.-'ie.-.i 
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122.87 
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FIG. IS. TABLE FOR FIGURING AMOUNT NEEDED FOR FIG. 19. ENDOWMENT TABLE ON THREE PER CENT BASIS. 
CARE OF MONUMFNT. 
quiries as to the probable life of these 
structures, and while I have had pointed 
out to me slate and marble stones, at 
Pll'mouth, Mass., and elsewhere, that have 
withstood the weather for a hundred 
years or more, I also have had before my 
eyes monuments that developed cracks and 
defects before they were in position ten 
years. One marble monument costing 
$1,500.00, three months after erection had 
a piece of its molding broken off by a limb 
blown from a tree sixty feet away. After 
due consideration, and advice from my 
monumental neighbors. I arrived at the 
conclusion that the average life of an 
Italian marble monument in New England 
was about thirty-five years. I do not mean 
that it cannot be kept hanging on for a 
longer time, but in thirty-five years it will 
have reached that condition at which the 
owner, if he has paid for its renewal, will 
undoubtedly demand that we carry out our 
contract. It so happened that a monu- 
mental dealer having the longest experi- 
ence in the vicinity of Boston, also gave 
thirty-five years as the limit for marble. 
Tennessee marble would undoubtedly last 
twice that time, and one hundred years, I 
think, may be a safe estimate for granite. 
In estimating the sum needed for renewal, 
it is to be borne in mind that the second 
monument will also have to be renewed 
at some future date, so the problem is to 
get, in say the case of a marble monu- 
ment, a sum which at the end of thirty- 
five years will renew the structure, and 
leave a balance equal to the first payment, 
for re-insurance. I have had prepared 
some interest tables, which are repro- 
duced herewith, which may he of some 
use to those of you who take risks of 
this character. 
The table shown in Fig. 18, I think, ex- 
plains itself. If we look under the three 
per cent, which is the rate we use, you 
will find that in seventy-five years, one 
dollar compounded will amount to $9,179, 
so that, if we want to know the sum to 
invest today to bring $2,500.00 seventy-five 
years hence, we divide that amount by the 
principal and interest of one dollar, but 
as we need to have the same principal to 
start with again at the end of seventy-five 
years, we deduct one dollar from $9,179. 
Thus 3 'ou see. a new monument worth 
$2,500.00, requires for its insurance, on 
the supposition that it will last seventy- 
five years, a sum of $305.66. 
But the problems in regard to renewal 
are not all those covering new monu- 
ments : in fact, the greater number of 
them are requests made by the executors 
of wills, in which some stones already in 
place may not last ten years, so that the 
problem there is to find a sum which 
would renew the stone ten years from 
the date of contract, and have a sufficient 
surplus to re-insure for the probable life 
of a new monument. Most of you need 
no instructions from me as to these prob- 
lems, and so, to save uninteresting details, 
I present the table in Fig. 19 on a three 
per cent basis. We will suppose a marble 
headstone costing $150.00 has been in place 
fifteen years. It is expected that twenty 
years hence it will have to be renewed, 
and that stone renewed thirty-five years 
afterwards. You take the figures where 
“The Book of Garden Plans,” by Stephen 
F. Hamblin, just published by Doubleday, 
Page & Co., Garden City, N. Y., is de- 
signed to aid those who are planning gar- 
dens and country places to visualize prob- 
lems similar to their own and to see how 
a landscape architect would solve them. 
There are twenty blueprint plans in the 
hook, with directions and planting lists for 
each, and photographs to illustrate the basic 
idea. To make these plans as real and 
concrete as possible, the author has in 
mind an actual piece of property with defi- 
nite conditions to he met in each case. In 
this way arc described : .\ Farm Home of 
the thirty-five years and the twenty years 
meet, and divide $150.00 by that amount, 
from which we see that the sum required 
would be about $128.85. 
The whole question of perpetual care, 
so far as I have any e.xperience, is sur- 
rounded by a considerable doubt as to 
.what is just to all parties. In the year 
1895, estimates were made of the probable 
growth of the perpetual care fund in Mt. 
Auburn Cemetery. It was thought that, 
while so many of the older lots had been 
provided for, payments would be limited 
to the care of monuments in the newer 
lots, and that somewhere in 1920 we would 
reach one million dollars. How far this 
was an error you may judge by the dia- 
gram in Fig. 20, showing the growth of 
the fund. Upwards of two million dollars 
is a fairly large fund for the care and 
repair of lots in one of the smaller ceme- 
teries, but it is not, in my judgment, any 
too large for the liabilities we have under- 
taken. I have a considerable belief in ask- 
ing a fairly liberal sum, and having made 
the contract, raising no petty questions as 
to the strict letter, but doing all that the 
best interests of the proprietor requires, 
and that, in the end. is also the best in- 
terest of the cemetery corporation. 
P'ive Acres, Planting for a Small Suburban 
Lot, Shrub Planting for a Village Home, 
A Rose Garden, Wild Planting, A Small 
Informal Garden, A Natural Rock Garden, 
.A. Border of Fragrant Flowers, An Annual 
Garden, A Water Garden, etc. A final 
chapter gives information on the practical 
side of gardening — the trees, plants, shrubs, 
vines, etc., for various conditions, cost esti- 
mating, time for planting, and other de- 
tails. The author is a well-known land- 
scape architect formerly associated with 
Warren H. Manning and at present an in- 
structor in landscape architecture at Har- 
vard Uni\ersity. The book sells for $200. 
NEW GARDEN BOOK. 
