28 
Sale, Boarding and Livery Stables. 
SADDLE Horses To LET. 
All Styles of Carriages For Sale or Exchange. 
Tel. Con. Vine Court, BEVERLY FARMS. 
Merchonls & Mine(S Wronsportalion G0. 
BOSTOR, 
Norfolk and Baltimore. 
BEST ROUTE TO 
(stington, Schon 
AND ALL POINTS 
SOUTH. 
FOUR SAILINGS WEEKLY. 
Accommodations and cuisine unsurpassed. 
Tickets on sale at B. & M. R.R. office. Send 
for illustrated booklet and fares. 
A. M. GRAHAM, Agent, Boston, Mass. 
W. P. TURNER, G.P.A., Baltimore, Md. 
ALDEN WEBB, 
Practical Matchmaker. 
Watch, Clock, Jewelry and Optical Repairing. 
MASONIC BUILDING, BEVERLY. 
a 
SUMMER EXCURSIONS 
Via BOSTON & ALBANY 
Yvand. 32: 
NEW YORK CENTRAL. 
Reduced rate tickets are now on sale to princi- 
pal Summer Resorts reached via the New York 
Central Lines, operating 12,000 miles of the finest 
railway system in America. 
THE BERKSHIRE HILLS 
are penetrated by the Boston & Albany R.R., ten 
trains a day leaving Boston, westbound, and 
Albany, eastbound, traversing this picturesque 
region of New England. 
Stop-over at NIAGARA FALLS 
Without Extra Cost. 
Pullman Sleeping, Parlor and Dining Car Serv- 
ice to this eonldtamed wonder is unsurpassed, 
and numerous trains leave Boston morning, after- 
noon and evening. ‘“ West-bound” folder, mailed 
on application, gives detailed schedules and train 
service. 
ADIRONDACK [MOUNTAINS 
are reached from Boston in Through Pullman 
Sleepers, leaving Boston daily, except Sunday, at 
332 p.m. 20 minutes stop at Springfield for sup- 
per, with early morning buffet service on train; 
due Saranac Inn 6.45 a.m.; Saranac Lake 7.40 a.m. 
and Lake Placid 8.10 a.m.. Close connections for 
Northern Adirondack Mountain points. 
For additional train service iilustrated liter- 
ature, etc., address A. Sy HANSON, Gen. Pass. 
Agt., Boston. 
NORTH SHORE BREEZE 
MANCHESTER. 
Miss Ina Baker of Roslindale is 
spending a two weeks’ vacation at 
the Cove, a guest of her aunt, Mrs. 
Oliver Gilman. 
Robert Prest and his brother 
Charles Prest of Lynn, spent Sun- 
day in Essex, guests of their sister. 
The list of assessed polls for 1905, 
for Manchester, 799, the largest in 
its history, has been posted this 
week. 
Sewell McBride, who has been 
in the employ of Selectman Kitfield 
at the Cove since April, left for his 
home in Buxton, Me., a week ago. 
Fred Hartley, the baker, is out 
with a vegetable wagon this week. 
It is in charge of Percy Smith. 
Mr. and Mrs. William Barnett at- 
tended the big Scotch picnic at Cale- 
donian grove Saturday. 
Mr. and Mrs. Ernest Dunbar were 
home from Dorchester over Sunday, 
guests of the latter’s parents, Mr. 
and Mrs. Philemon Sanborn. 
John Brown and family who have 
been living in a tenement on Beach 
street the past year intend to move 
to Marblehead Monday. 
Miss Ada Lane of Lanesville has 
béen spending the week in town a 
guest of Miss Ethel Jones. 
The Best of Everything. 
To the Editor of the North Shore Breeze : 
Dear Sir,—So many inquiries have 
been made of me in regard to the set- 
tlement recently of the insurance on 
the life of Thomas Browne, late of 
Manchester, that I wish to make fur- 
ther explanation in your columns. 
If a policy is carried in the New 
ork Life Insurance Company for 
two years or more (formerly three 
years) and the policy holder stops pay- 
ing, he has several options to choose 
from. One of these goes into effect 
without any action on the part of the 
insured. By it the money accumulated 
to his credit called the “reserve” on 
the policy, is used to continue the in- 
surance in full force for a certain 
number of years. 
The fact that he could draw a cer- 
tain amonnt of money in cash instead, 
shows that the Company has a sum to 
his credit, and the number of years 
and months that the policy is thus 
automatically continued in force de- 
pends on the length of time that the 
insured had made payments. If death 
occurs within this extended period, 
the insurance, asin the recent instance, 
is paid in full by the Company. 
This option was first put into our 
policies in 1892, a short time after Mr. 
Browne insured. It was not, there- 
fore, in his policy when issued, but 
the benefit was extended without 
charge to the older policies on written 
application for the same, and on my - 
suggestion he applied, as did the other 
older members whom I had insured, 
and had the amendment attached. 
Mr. Browne was not married at the 
time and thus this clause protected 
him in a way that he could not foresee. 
If the question is asked, what is the 
advantage of continuing the payments 
from year to year if, without doing so, 
the policy will go on in force, it must, 
of course be understood that the ex- 
tended time is limited and if the in- 
sured lives beyond that limit, the in- 
surance ceases wholly; there would 
be nothing at all coming to him or to 
his estate when he died later. In the 
present instance, if the insured had 
lived two years longer, he would have 
been without any insurance. 
In the case of an endowment policy 
on which enough deposits have been 
made to continue it to the end of the 
endowment period, there would be a 
sacrifice of the investment feature of 
the contract, for even if payments 
were nearly all made, the insured, 
when the balance of the period had 
expired, would not receive in cash» 
quite as much as he had paid the com- 
pany, whereas, if he continued paying 
till the end, he would receive his 
money back with the profits earned, 
which, on policies maturing today, 
amount to about the ordinary banking 
rates of interest. 
This provision is for emergency ; to 
have best results, keep up your policy 
and add to it other policies in the New 
York Life as your income and respon- 
sibilities increase. 
The case of Mr. Browne is a good 
illustration of the mutuality of our 
great company and is proof positive 
that they furnish “ the best of every- 
thing” in Life Insurance for their 
policy holders. 
C. H. FLemine, Gen’l Agent, 
106 Washington St., Salem. 
Aug. 10, 1905. 
Ladies’ Knickerbocker 
Bell’s 
A fine line of Neckwear at the 
Keyou Millinery Parlors, Gloucester. * 
JAMES NAZZARO 
Tonsorial Artist 
Pulsifer’s Block 
shoes at 
* 
MANCHESTER, MASS. 
Three barbers. Will do work at residence if 
desired. Children’s Haircutting a specialty. 
