1874] 
AMERICAN AGRICULTURIST. 
229 
Life Insurance. 
“What is he worth?” is the question by the 
answer to which, in this somewhat mercenary 
world of ours, a man’s standing, reputation, ability 
—himself, in short—is measured. Whether the 
gauge be a true or false one, whether by its appli¬ 
cation genuine worth be often made of no esteem, 
and tinselled vice be adjudged virtue, still the fact 
remains ; this is the popular standard of man’s true 
merit; and we all, to a greater or less extent, in 
6pite of our counter-protestations, accept and are 
governed by it. Even while on our lips may be 
the trite quotation, “Worth makes the man, the 
want of it the fellow,” we turn contemptuously 
away from the “man” because he is poor, to eflu- 
sively greet the “fellow,” because he is rich ! We 
note the fact, and pass it with the commentary, 
“ Such is life.” 
But, apart from all this, every man, every work¬ 
ing man, in whatever department of labor, has a 
money value. He can be ciphered up and reduced 
to dollars, and that without reference to the money 
he has accumulated. The commonest laborer, al¬ 
though he own not a foot of real estate, or an ar¬ 
ticle of personal property, save such as are indis¬ 
pensable to himself or family, has, nevertheless, a 
money value ; he is worth something in currency. 
He is a capitalist; he has that in him which yields 
a revenue. His muscle and the skill which directs 
it are stock. The pay which he receives at stated 
times is the interest on his investment. Suppose 
his wages to be $1.50 per da r; then, making no 
allowance for loss of time by sickness or other dis¬ 
ability, he receives annually, as interest upon his 
capital, $469.50. Taking the average rate of inter¬ 
est as eight per cent, this income represents a 
capital of $5,868.75. The actual worth of this cap¬ 
ital—its actual amount, if you please—is reduced 
by the liability of its possessor to disease or acci¬ 
dent. But, these apart, the money value of the 
day-laborer, working at the rate named, may be set 
down at very nearly $6,000. This represents what 
he is worth in money to himself and those depend¬ 
ent upon him for support. 
The mechanic, whose skill and labor yield a 
return twice as large as that of the day-laborer, 
has a capital twice as large—is worth twice as much. 
The money value of the active professional man 
is greater than that of the mechanic, because he 
has more capital invested, and his labor brings him 
more money. As the marketable value of the skill 
and labor employed in any of the various avoca¬ 
tions of life increases, so does the money worth of 
the worker in that avocation increase. And, gen¬ 
erally, for each additional $1,000 of income earned 
by a man for his family, his money value is increased 
by $12,500. 
This value should be protected by insurance, as 
much as any other value. The man who fails to 
insure his goods in store gets little credit, and finds 
no sympathy when calamity overtakes him. But 
what creditor has such demands as wife and chil¬ 
dren ? Who have bestowed more ? Who have 
exacted less ? 
The duty of providing the family against the 
contingencies of his early death is one which no 
husband or father can honestly neglect. And 
among all the places where that duty can safely 
and satisfactorily be performed, none is more 
secure, more liberal, more desirable than with the 
United States Life Insurance Company, of this city. 
Its solvency is undoubted; its record stainless; 
and its present management all that could be 
desired. 
NEW in relation to Boys’ 
, , Boarding School. Sth year. No extras. All books fur¬ 
nished.free to scholars. Catalogues free. Address 
HIRAM H. POST, Prill.. Sing Sing, N. Y. 
(390Piano. Circulars free. U.S.PianoCo. SlOB’dway.N.Y. 
Premium (Medal) Awarded by AMEBI0AN INSTITUTE. 
The ASBESTOS BOOFING is adapted for steep or flat roofs in all climates, and can be cheaply trans¬ 
ported and easily applied. ASBESTOS ROOF COATING, for restoring and preserving roofs. 
ASBESTOS PAINT, for Roofs, and all outside work. ASBESTOS "CEMENT, for repairing leaks of all kinds 
on Roofs. ASBESTOS BOILER FELTING. ASBESTOS BOARD and PAPER, SHEATHING FELTS, etc. 
These materials are prepared ready for use. and are put up for shipment to all parts of the world. I2t“Send for descrip¬ 
tive Pamphlets, Price Lists, etc., etc. LIBERAL INDUCEMENTS TO GENERAL MERCHANTS AND DEALERS. 
Patentee andSjrte Manufacturer,^ H§ W JOHNS, 87 Maidd! LOBC, N. Y. 
(CIRCULAR.) 
Consumers Importing Tea Co., J 
No. 8 Church Street, r 
P. O. Box 5,509. New York City. ) 
This 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 
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 yours. 
Consumers Importing- Tea Co., 
No. S Church Street, 
P. O. Box 5,509. New York City. 
Entered, according to Act of Congress, in January, 1814, 
by the Consumers Importing Tea Co., in the Office of the 
Librarian of Congress, Washington, D. C. 
The Turtle 
Is the only Harrow made in the United States entirely of 
wrought iron and hard steel, and is the most indestruct¬ 
ible tool in market. Nothing can equal it as a pulver¬ 
izer, a weeder, a sod-cutter, or a seeder. It. is absolutely 
self-clearing, self-sharpening, and is altogether the most 
desirable Agricultural Implement ever offered. 
field trials, taking first premiums in every case as the 
lightest in draft and for the BEST WORK, in competition 
with leading fiat land as well as other swivel plows. 
For circulars and full particulars of the above, or for 
any other really first-class farm tools, address 
CARR & HOBSON, 
56 Beckman St., New York. 
GEO. A. PRINCE & CO. 
ORGANS & MELODEONS. 
HOPE SEAT SPRING, 
One of the most useful iuventions of the age. It is adapted 
for any kind of Wagon. It is cheap, it is effective, it is 
durable. No farmer should be without a pair. Those 
using them say it is the best and easiest spring ever 
made. Send for circular. 
BENJ. F. WELLS, Sole Agent, 
47 I>cy St., New York. 
Rifles, Shot Guns, Revolvers, Pistols, Ammunition, Fish¬ 
ing Tackle, etc. For Price-list, see page 157, April No. Am. 
Agriculturist , or address, with stamp, 
GREAT WESTERN GUN WORKS, 
285 Liberty St., Pittsburgh, Pa. 
A SILVER TIP 
Tlie Oldest, Largest and Most Perfect Manufactory in the 
United States. 
13,011 
Now ill use. 
No other Musical Instrument ever obtained the 6ame 
popularity. 
Send for Price-Lists. 
Address BUFU’AL.O, N. Y. 
EVERY LADY that uses a 
Sewing Machine needs the 
RflAGBC THREADER 
By mail. 25 cts.; witli K doz. standard 
needles, allots. Full description in Am. 
Agriculturist tor April, page 153. In or¬ 
dering, give name of Machine. Agents wanted everywhere. 
The ARGO M’f’g Co., Box 342, Springfield, Mass. 
Please mention Am. Agriculturist. 
IT 18 NOT ECONOMY 
Adds Five Cents 
TO THE COST OF A SHOE, 
and $1 to its value. 
Self-Propel- 
For Cripples 
Can be easily 
in or out doors, 
ing tlie use of 
State your weight 
for illustrated 
ferent styles and 
Please mention 
this paper. 
ling Clairs 
and Invalids 
propelled, either 
ny any one hav- 
liands. 
and send stamp 
catalogue of dil- 
prices. 
S. A. SMITH, 
No. 32 Platt St., 
N. Y. City. 
Eclipse Portable 
Best, latest improved EIVGIIMTE. Portable or stationary 
use, A grand success! Guaranteed. Send for Catalogue. 
FKICK & CO., Steam Engine and BoH-er Works, 
Waynesboro’, Franklin Co., Pa. 
To buy a poor Shoe. Try Good 
Cable Screw Wire 
FOR ECONOMY. 
T&TEM & DAVENPORT, 
Produce Commission Merchants. 
Office, No. 1 Delaware Ave. Market, 
Philadelphia, ba. 
Southern Produce a specialty. Correspondence solicited. 
Consignors advised daily. 
Established 18«32. 
W A. COVERT & CO., Produce 
O Commission Merchants, No. 6S Pearl Street, 
New York. “ Quick sales and prompt returns.” HS^Send 
for our weekly Prices-current and Marking Piate. _aJI 
Cb C % O (fN MONTH made honestly with Sten- 
Vp c?l and Key-Ch.eck outfits. Catalogue and 
samples free. S. M. Spenceb, 117 Hanover St., Boston, Mass. 
