1874] 
AMERICAN AGRICULTURIST, 
14.9 
Life Insurance. 
T HE large majority of men do not accumulate. 
They live in the present. They take care of 
to-day’s wants 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 
who has a family should bethink himself that he 
liveth not unto himself alone ; that he owes 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, for he has no earthly 
wants to be supplied ; but to his family his death 
is utter bankruptcy. For them “ the strong 6taff 
is broken,” and they are helpless. 
Just here the beneficence of life insurance is 
made to appear. By accepting the offer 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 IPIpe, 
also the cheapest, when strength and durability 
are considered, is the Tin-Lined Lead Pipe, made 
by the Colwell Lead Co., No. 218 Centre St., 
New York. Price 16!£ cents a pound. Descrip¬ 
tive Pamphlets sent 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 
Waltliai Watches. 
When you write , say 
advertisement seen in 
“ Am. Agriculturist." 
A catalogue of all the 
grades of genuineWaltham 
Watches, with prices, will 
be mailed free to any one 
who writes to Howard & 
Co., No. 222 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 
and U. S. notes bought—one (1) per cent discount. Two 
(2) per cent premium paid for broken National Bank Notes. 
DE HAVEN & TOWNSEND, 40 S. 3d St., Philadelphia, Pa. 
Tl/TfiTTlTV MADE RAPIDLY with Stencil and 
AN Jml i Key Check Outfits. Catalogues and full par¬ 
ticulars free. g. M. Spencer, 117 Hanover st., Boston, Mass. 
BANKING & FINANCIAL 
JTf" BANKING-HOUSE OF FISK & HATCH. 
No. 5 Nassau st., New York. 
We buy 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 ; receive 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 BONES, 
which, at present prices, are very desirable for invest¬ 
ment. 
Wc are also selling the CENTRAL PACIFIC 
GOLD SIX PER CENT LANE BONUS 
at 8 5 and accrued interest. 
FISK Sc HATCH. 
The finest and richest chromo ever sent out by any editor 
as a premium. It is no “cheap daub” or “meaningless 
picture,” as is proved by the unanimous verdict of all to 
whom it has been sent. 
John J. Thomas, Union Springs, N. Y., writes: “The 
common practice of offering Chromos to subscribers lias 
nearly had its day—third rate ones being chosen for the pur¬ 
pose because they can not be otherwise disposed of. This 
on", however, is a’ very different tiling—good as a work of 
art, and brilliant and refreshing as a picture. The fine dis¬ 
play of fruit which it represents makes it very appropriate 
for the readers of the Fruit Recorder, and I think all will be 
pleased with it.” 
From .Tames Vick, Iiocbester, N. 7.:—“ Friend Purdy: 
Accept my thanks for your pretty Fruit Chromo. It is well 
executed, and will be appreciated by all lovers of fruits and 
paintings. Next year, suppose you give us a Chromo of 
popular Small Fruits, in winch you take so much interest." 
From J. B. Root, Rockford, Ill.: “We shall hereafter 
have choice fruit in the house the year round, for your 
Chromo is fully equal to nature—one of the finest pieces for 
the drawing-room I ever saw.” 
We have similar testimonials from such men ns T. G. Yeo- 
mans. Tlios. Meehan, Ellwanger & Barry, William Parry, 
T. C. Maxwell, and hundreds of other subscribers who have 
received it—most of them going into ecstasies over it. Out 
of tile twelve thousand we have now sent the Chromo to 
we have not received a single complaint. We doubt if this 
can lie said of many ciiromos sent, out as premiums. We 
offer to refund the money and stop the paper if any are dis¬ 
satisfied with iiie Chromo or paper and will return them to 
us. We have the entire control of this magnificent fruit 
piece, and it can only he had by subscribing for 
“ The Fruit Recorder & Cottage Gardener” for 1874, 
a monthly, at $1.00 per year, or $1.25 with the Chromo. 
Specimen copies of the paper sent free to all applicants. A 
single copy will satisfy any one as to its being the most 
practical paper primed 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 lliat no publisher offers more liberal inducements. All 
necessary papers sent to sncli as desire to work for clubs on 
application. We also send out a book of 64 pages, called 
“The Small Fruit. Instructor.” which tells in a 
plain, common-sens" way just how to grow small fruits in 
abundance for family use and market. Price, post-paid, 25 
cents. Address 
A. M. PURDY, 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 tha 
people, mailed free to all applicants. Address 
O. F. DAVIS, 
Land Commissioner U. P. R.R., 
OMAHA, NEB. 
Farm for (Bale. Rare Chance 
to buy a farm under good cultivation. 100 acres ; well 
watered; suitable for stock-breeding, dairv, or tobacco. 
Good buildings. 15 miles from Hartford; 2 miles from 
R.R. station; 1H miles from six churches, good schools, 
and markets. Address 
Will. R. HURD, Forcstville, Ct. 
(CIECT7LAE.) 
Consumers Importing Tea Co.,) 
No. 8 Church Street, r 
P. O. Box 5,509. New York City. ) 
Tliis is a combination of capitalists to supply the consum¬ 
ers of Teas throughout the United States 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 render us all the 
assistance they can in 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 those line 
qualities that seldom reach the interior, being sold only in 
tlie 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 full explanations 
of how to proceed to obtain our goods, we remain, 
Most respectfully yours, 
Consumers Importing Tea Co., 
No. 8 Church Street, 
P. O. Box 5,509. New York City. 
Entered, according to Act of Congress, in January, 1874, 
by the Consumers Importing Tea Co., in the Office of the 
Librarian of Congress, Washington, D. C. 
GREAT DEDUCTION. 
TEAS and COFFEES 
At WhoSesaSe Prices. 
| Increased Facilities to Club Organizers* 
Send for New Price-List. 
THE GREAT AMERICAN TEA COMPANY, 
(P. O. Box 5643.) 31 and 33 Vesey St., New York. 
GEO. A. PRINCE & CO, 
ORGANS &MELODEQHS. 
The Oldest, Largest, and Most Perfect Manufactory in the 
United States. 
53,000 
Now in use. 
No other Musical Instrument ever obtained the same 
popularity. 
Z"Sf~ Send for Price-Lists. 
Address BUFFALO, N. Y. 
H. W. JOHNS, 87 Maiden Lane, N. Y. 
Patentee and Sole Manufacturer. Established 1858. 
Beckwith Sewing Machine Co. 
Will exchange their $30 PORTABLE FAMILY 
SEWING MACHINE for their $10 and $12 machines, 
and allow for the same when returned their retail price less 
$2, to apply in part payment of one new $20 machine. Send 
for Circular and samples. Address 
863 Broadway, New York. 
~ ~ PARSONS 
R. B. 
Sc GO., Flushing, 
W A. COVERT Sc CO., Erotluce 
• Commission Merchants, No. 68 Pearl Street, 
New York. “Quick sales and prompt returns.” 63?”Send 
or our weekly Prices-current and Marking Plate. 
