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THE CHARLOTTETOWN GUARDIAN DFCEMBEK 9__ 1905 __      
_ .IUST HOW_WE_ STAND.
_The following is an extract from a
gpeech delivered by B. Hal. Brown, Man-
ager ot tho London 8: Lancashire Life
Insurance Co. for Canada:
We regret the shameless conditions
which have been revealed through the
lnvestigatiousiiow being carried on by
the committee of the legislature ia the
State of New York. The great New
York companies appear to have become
unwieldy. Rcslgniitioas have been forced
in one company and high otllcials must go
in others. Their deeds are bare-faced
scandals and all high principled honest
insurance men blusli to know that auch
cniiriitlonscould have been allowed to
gi-ow and continue. Methiiiks there will
l..- -i vurning toward British institutions
...ti I note that the principles upon
.nii~_litli¢-y dn hnsliii-ss are favorably
.iniiiiiciited upon by the press, and' some
leading Auicrlrnii Uilicinls, who arc now
in truublc. \\'lio ciiiisay wliiit. the N-
:-ults .ire to hcl One thing is certain, and
thnx is .lohn Ilull will still continue todo
=-ii»i»n~.~~tlit`i- iiisurniicc particularly) at
il..-.~.nine old stand, andiii the saiiic
~~¢~i-lingiiny. .»\1,;olden opportunity is
.nirs and it will bcuur own fault if wc
do not nviiil ourselves of il.. .\'o\\' JUS! ll
\\-or-ii about thc position uttuiiied by 'ili
1--uipiiiiy. Oni- new business in Canaria
in the ilr.~' nine iiioiiths of the current
v~ ..r shows nil iiiciciise of '2tlf`,; coinpurcd
.riiliilintof llltll. The income has in-
.-wa ed $Il0,UUtlfortiie same period and
. -~i.unts to $35i,tI{l, while the assets
-'-» iiicriiisctl hy $210,721), and stand nt
_ l;otll~,20 of solid iirst-class secuiilics,
ii Ii whicli not one dollni' of iiitcrcst
ii ..\.-i- due and unpaid nt the close cf
- _»~iii'. 'l`lic iiicoiiic of the Coinpaiiy,
in nil sourcc_~'. aiiioiiiitcd during the
_i . nr Illlli to $l,>iti,|i2_ 'l`lic aiiiouiit. iifid
.lin the funds as thc result of the
\.-_ii-`.~ operations amounted to 8li38,»iii7,
|_.i_~iiig ihe fiiiuls in hnnd to $ltl,t|o2,:l.\‘ti.
l'h-_- L`oiiipniiy or-ciipics an enviable posi-
iiuii iiiiioiit: sit-i'liii|_' life oiliccs niid ciii'
irs upon itslvooks upwards of forty
tiilllioii dollars siiiiis ussurcll. The riiiio
of expense in Ciiiiaflii t0 total incoiiie is
l-'1_il_',_,iiiilicatiiigtlic coiiscrvuthsiii excr-
ci~t~~i by lliose who direct the fill`nli's of
the Conipiiny. The policies of thc Conv
pniiy arc worltl-wiiic. free from restrict'
ions ns to residence, travel or occupat
ion,nndnrc incoiitcstuble and iioii-for-
ieitnble. The business niI`aii's of the
Company rcspcctiiig Cuiimllun business
are ndiiiiiiistereil wholly in Canada. The
funds earned in Canada arc invested and
retained in the country, alfordiiig Caii~
ndiniis all thc arlvantnges of n llonic
Company with the further protection and
safe-guard of Idiigglisli connectloii.
Lewis ll. Beer is the Mnnagcroi` this
sterling company for this I’rovliice and
invites all intending iiisiircrs to cnllon
liiiu befoicplnciiig their risks elscwhcrc.
Il-Iltts twill.
Call and get some of those nice dinner
and tea sets that are oil`ered at it bar
gain. \v\'. P. Colwill. I2-Id l\vf-iw.
A large variety of new and dainty fancy
cups and saucers for Xmas gifts, nt Tan-
_toii`s Ud ii
For Xmas linking-scedcd raisins,
leunctl currnnts, cnndicd peels, cooking
figs, Sultana raisins, shelled walnuts und
almonds. Flavoi'iiu_; ctc. fresh and pure
at Bcer 8; (iofI"s. iid Ii.
Tobacco-Our spcdal mixture,-
nicely cut and only 5cper oz.-A.
VV, Reddiii Pliem B, Cen' ral
Drugstore. gd zi_
\Vhitc blankets, grey blankets, brown
blankets, :ill wool, part wool, all cotton,
“iust as you like tlicm priced 551.60 to $8.0()
a pair.-1’ro\\'se Bros. ihltlitwii
OF LIFE
___ _ _ ,_ _ _._~ __-_ ~- _ Ja-  IBF-I' I »` _:______
ssa - ‘ ' '” " ”
contcnti, hocvxever, that no error or
irregularity ol any magnitude or
consequence has hccn overlooked and
_ t 0 ` _
\ ...£2223 ‘i.'.f.ié‘.~ l’.f§“i‘l§.l.’...f.°l£i“lS§ cafuinlv "°"° f-'M he "1 ev ‘ev
the transaction of business in Can- 'mmtcd the S°lv°“°y “I '.'°,7 °°mp“'l7
_ adn .nwcwe varlctics of n,S,,,a,,ce -coming under thc supervis.on of this
itciiis in other accounts oi ilie coin- p
pany are closely scrutinii.i~d-iii nrdi-r ii
lra.nslci'.s in itcnis oi :casein By such
scrutiny irregularities in this and
other respects are discovered and rcm
called. The occurcncc oi any such ir-
rcguiiics \vc bclicvc has been rclluccil
to a. iiiininiuni. lnstaiiccs lnive occur-
red of such iulsplaccinciit ol iicnis.
]"IiEi\lIUi\IS ANI) A(`CRl’l‘ll) |
l
i
It- is a tedious niattcr to chcck thc
:tnd dcfcrrcd prcniiunis ol accrued in-
lcrcst. ’l`ht-sc arc iicins which lnivc
not. passed tliiwiiigli ilic rusli iiicoiiic,
and lroiii thence into thc it-dgel' items ‘
of assets. 'l`hc cxaiiiiiicr tlicrcfor
ary wliicli lic has at his disposal in
the case oi the ledger items oi as- ,
an cstiiiiuli- suilicicntly closc to sal-
isfy hini that no crroi' of any iiingiii- I
thesc iieiiis and also to cxaniinc the n
siillieiclicy of thc security in ilio case n
ui all ilii- policy loans would require
oi1liii;ii'_i' ciiviiiiistaiiccs, such cxztiiiin-
at ion iicci-ssiii'y_
'l`hc fort-going; olisci'v1itit.ns as io
inspcciion of nssct.s_ relate priiicipally
to (lniiadiaii coiiipaiiics.
in-:irosirs nv coMi»_iNir.s orii- _,
i-:it 'i'ii»\N <*.\N.\uiAN "
than (‘aiiii1liaii thc statue requires
that thi-rc hc inztdc with the Receiver
(icncral or with Caiiadian trustccs
of the Iiisiii';uice _»\ci, deposits oi sc-
curilics at least equal ln valuc io
the liabilities to policy holders in
Caiiada, including mntuicd claims
and tho lull reserve or rcinsurniicc
value for oiitstaiiiling policies. Ac-
cordingly lroiii time to time dcmaiids
arc niadc on all such coinpunics for
increased deposits, and the aiiiounts
ainount iii thc aggiicgiito to $54,195,-
205 Nov. tllh, H105, the deposits in
sc\'ci'zil iiisiaiices being in excess of
-the i'cqiiii‘ciiil-iits of the statue, and
in no case less than such require-
incnt.
It follows from the foregoing that
the priiicipal assets, in fact almost
thc total assets in Caiiatla of such
compaiiios, arc in the hands oi thc
Receiver General at Ottawa, or with
t‘aiiarliaii trustees and where trus-
tees have hccii appoinicd, as has been
vcstcd in tlicin, consisting, of mort-
gages, bond'_~;, stocks and iicbcnturos,
arc cxaiiiiiied from year tc year in
thc siiinc way as thc assets of (`aii-
iuliaii conipanics.
LIABlIil'l`IES
l‘zti'iiculiir care is taken lo soc that
the liabilities arc not undcrslaicd.
'l`lic principal iicnis ol liability arc
in lhc case of life coiiipniiies
(li) (‘lninis for death losscs and
inntiircd endowiiiciiis, anti annuity-
claiiiis due and unpaid, oi' in process
ol adjustiiieiit or ntijiistctl, but not
due or resisted, and
oiitsiaiuiiin; policies iii force, anti in
are carried on by them, viz Lifc In-
surance, Life Iiisurancc in thc assess-
(t) Amount ol unsettled losses rc- Aw dpnt ,nd in n ,-rs , _
to asrerlain, among otl:.;l things, ii bi
ucciiracy oi thc itciiis oi' outstaiiding U
_ ‘ ' l
si-is. llc is able, l|owe\'ei', to make L,
_ _ _ W
thc wlinlc time ol se\‘ci'zil nllilltioiizil n
‘ - _ _ _ i -. ` ud 1; Enipl y ljabi 9
ortcd C0 U11* C0mPl\"Y» llllllfllllll f'l\'~‘m lity, Sickness. Steam Boiler, Plate ln
ito thc several classes oi adjusted Qmss and gurglary (;uar5_n|,-¢._ V5
it not duc, in process oi adjustnieiit 0( uwse companies f)f1,y_0n¢ arg il
thctc. has been any iiiispiaiccincnls or etc,: Canadian, thirty British and twenty- 9"
department.
'I‘lie foregoing deals witll the nat-
Cuntinued from page 0 ‘thc case of companies othct than lifc ment plan, Fire, Inland Marine, Iii- "Fe “ml °bl9°li 0f N10 Dllllllll l\13P°°*
‘ “ ' '4' j 1'0l\lil3lll9Sl land Transit, Guarantee. Contract, "mn ‘H insurance com ies by this
.glatenicnts as wcll as the closing
ifice, tho methods aiildbnted in mak-
g 'such inspection and to some ex-
nt wit-li the results produced. The
ucstion of policy as to what am-
dments arc necessary oi dcsirabc
((1) Rnsnrvn nf nnnnrnnd nrnminnm nine An,,,,.n__,m_ ~ in tho Insurance Act was not under
' I n
OUTSTANDING LOSSES AND (four British and ioiir American), 3)
which ccascd to transact new busi-
CLAIMS ‘ ness in Canada before thc Lifc Insur-
. ance Act canic into iorcc, but which w_ FITZGERALD.
The loss or claim books. and where are cntitlcil under scctioii 32 of the ‘
Thert arc also eight lifc conipanics, *O
nsidomtion ang no expression of
inioii upon th t subject is there-
rc oilcrod.
Respectfully submitted,
I I A t , ‘n , - Superintendent oi lnsumiicc.
_ iii-cess-.ii-y also lic claim papers and nsurance 1.' o carry on ii insi-
0UT5'l`»‘\Nml\G AND Ui`3F`l`3RlU‘3l) notices of ciainis arc carciully cxani- MSS ¢'0llm‘0l0<l Wil-ll P0liCl'<‘-S' Uxlslllli-T H|nard’$ Linlmeni for sale everywhere
iiicd to asccrtaiii if the outstanding at 31Sl~ M&l'l‘ll. 1373- 'l`lll’l'l0 C0lllll*\“' 2;-_:_-_-_~__f_T_ _ ______;_
LIFE OM IES that corrections wci'c iiiadc in over _ ____ ~ _ '_ ____ ,-1 ,,, ~ .
-C _ PAN - snow- .- rim inn ~ ii i~0i-- """"'~ - f'
alilfliiinzibiiiit i.iii»l:"iiveii:g;\i)iiiiiib[¢if tif One-rlnli Cent a Word Each Insertion. Six Conucutivo insertions Charged as Five
In order lo obtain the exact amount changes from year in yeai_ The carl- T|ll'¢e Wéoks 88 TWO Weeks, Ind One flollfll as TWD Bild One-half Weeks
_,_-_
' Oit Gou il tsentheaecundhfon
day ln eagb Egbth. Dr. F. F- Kelly
MAYDPVW. W. Chu-ko,¢Cll.y Clerk. _ <
S. 0. E; Election ot olllcers tor 1908
Lodge Prince Edward Tuesday Dec. 12th
at8p. in. - - '
_ »'.'.'-rf __¢@ ,,,,,_.
__  Llnlmenl Cures Dandrulf.
».f_ 1 .
Anewlot ol goods just arrived,»hali
Iamps,llbri`\rylamps and otherassortmehtl
“°°° W' _ in u nm ha ns. o o __  _'  __ ° I n an' sue sn o.....,,.`
CANADNS lNSPECTl0N  =~  ° M im W d °°M'"°E Em   mm" d' k
ion
B 0°  _ _  ild ll
_ WW’ P°°U1e bu New ' -
\=°°°'\l'=U!'°v k"°wiu»»-y .iff Z-..i~f'§}"`,',“
q““u\Y\"'o\.“'»44:¥Ul|‘B' Experience scllli If
‘“"“l.‘““h“ mllilli' “ii just thc .pil
lllllds to buy. Don’t experiment, in 'ini -1”, 
f\ll_l,I|lt_\lN. Buy \\'hl.‘l'e the uiiiilci' his itil
been thought out for you nt John l\'l».v-
“°“ " urn
Non: ll the time to subscribe tm- one in
thereof the popular Mnmizintn., nn. ,nn
year lill, beginning with thc Jnnuni.,.
number. The Subecriptioii 1;,.,,,,,.,_,,____'_
is an important one in our lnii-n.-._f
for the holiday trade at thc large Crock-
ery Store.-W. P. Colwill. 12-ld twf4w.
Dark fruit cake 25 cents per'
pound. White pound cake belt
qhality 30 cents per pound `at U.
I`_Stewait‘.~i, Kent St. 8d3i
Your Gentleman friend would iipliictiiiitl-
the gilt ot a Magazine. 1'
friend, the Young I,.\n|‘0,,
Ladies Home Journal, \Voiiii\n
The Deilneator, or some other. Siilln-i-i|.l.
ions taken at publisher-'s priccs nl. Curt.-i S
Book & Stationery Stoi-c. on |,,.
our l.:illy
.lnurnn I
Ht Hom.-,
___~.- ;  _
__ __ __ ._ ‘ l _» .' 5 _ 
iabilitics niidci' headings (a) and (c) lt‘S 35 W0" 118 U10 |lCCllSl‘¢l l'0l_llI!3-ll- c ' Y L_ __ ' 'Y ' Y "' :*:*=*”
V _ _ 1 ‘ Hu-C bw." ac(-\||~at(.]y nis|iIuatc(|` and |(\3_ lnakg ;|||||u3,[ ]§(}[u1'||S 0_0 Hug dc- _ 
If"'11`1l~E5T wlicrc errors or omissions are found Hl`lllll`lll~~ ` ' ' “ ' ` ‘ f l
hey arc corrected. Upon looking tlirough thc slate-
nicnis of the business of i‘l0i train-
NEARNED Pniziiiiuilis iN NON- iiwii 'ty ii..~._iit-|.2.'i~ii...-iii, ii  it»ini<i_  
h1§_-7;;-_ 3
to taltiiiatioii would hc iequiif-d to get niiiiibci of cliois. lor the icasoii _ Q
nd thc aiiiount uiicarncd of each in- lliait thc cxaniincrs have cutlcavorcd
ividiial prciiiiuiii pro rata. for the to instruct. tlioso eiigagcd iii tho pi'c-  _-____,:_§__
mc uncx 'rcd_ ‘ i ' lion oi Govern cit rctiiris s ‘ .
n iam m I » a Losi m=_:iwTisTs 1~
mnnm’ nm,” uw "Smal (ost or avwifl gf sii'cli_iiiie:_ii'iic<i prcniiuins, a_ scper- icr years would probably show  lar-  ‘ M||||m‘“m chgfge ‘nl ' “ng W|t|| 0|»¢|¢f_ °
_ 'fi
fm
By a proper method of grouping, to the proper and most cxpeditious __ _ ` ' ' insrnith and Gas Fltlel
~- ‘   _ .- i- 'lt' _ 'l`l_'~_‘lt- ~ ~‘_ ' ._ _ ~ D_l. P
_udp _"_ w_M_qm__m_ nas nw" made' licowcur. in 'ictoiilance \\i_lh thc iiiciliorls_ o toinpi a ion ic iisu 1l.I1~_Cl{ LOSI 28160 byGoil` Bros. The RJ HAy¢.rs. ent ntncw rowse
___Aio____
ngtli of time which thc various pol. of ihis insti'uciioii has been u grcai- (J erson that found and cashed 15,.; D l3lock.Tcl. 2i0.Residencc Bay- U _YUUVXUIBS Btllilllllr tins in \\'
Th" "h""k um "“""“S ‘lftalls in icics have to run, it has been found cr uniforniitv in thc sin.i1_~iiiciiis of the lloyhl Bank. NOV- 30. ls Rsked to new S5- dw B §'s"eve"~s°"`s’Gm"" G'~`°"l"" ‘\'l""“l:
ossiblo io asccriaiii a very close ap- companies doiiig siniiiai kinds of '\‘l"lm ""3 l**"\\0 0" Dllnlllllmrnt will ,  . = ________ __
roxiiiiatioii to thc coriccl aiiiouni business and a greater dcgrce of ac- f°"°‘”'”G°n'B"°B~ 9d4ll'“'1l MEAT  _MANUFACT
iihout thc laborious calculation curncy attained llirougll u Snlallcr *m* - " '_*‘-M" “""'“' '
_ _ eccss:ii'_v ii each policy was taken expcnditiirc of labor than prcvailcd FOR SALE ` - ' - LEONARD GRAN’l`-Sellin;_» item,
i-xniiiiiit-is, hnl I do not think, under Snnn,-n_,n]y_ in ,nn nn,-|n.,~ nn,-S of Un; Dnna,-,__ _ _ _ ___ _ Gl1.T Stricrlirlnnds sansnggs,  nde u iBrltnniiia":niid`“i_'nn|-lynn" __y,n,___
mnnn PWOR S_f\LIi.-Liglitdrivinir sleigh (nearly Sirickfilifilgil' 0“';§1gg1`5°ll*l' Y Y ouias Dnrlagglains TeI]at_i_~i§iE;§l§¢‘i'ié:.“~‘,c.:lSii;illi l:|_._.,~_
iiicsi-:ir\'r: i.i/\nii.i'i‘\' IN 1.iifi<i N.-w companies. however. _nt-_ ii-om f "°“>~ 0- S- G°f‘l°"» flfllw ‘ - '_ Y '_ ‘ '- "- l-"~\'"\=~
time to iiiiic (and now quite Ire- * '  ""
URERS’ Apts.
(‘(li\IPANIES. quciiily) recci\'iiig.: licciiscs, and thc IPOR SALE-A fllllllly PUHY Ul°l-"nfl _ HORSE SHOERS' HELP wANT£D_M rl
Section 25-lil ta) ol thc lnsur- coinpanics are usnallv vcrv criitlclv chimp Apply "mms omw UM" HOIRSE “l‘°°l"lr. all kinds- Whnoyou 1i`NER“ETm w°"“”'“ “"7i‘ll7'\\lii»i.» iii.
iirst siatciiiciits i‘ccci\'cti fiom t-lit-se ~ 3°"°l"l" h'""e""~ Wm T2" "ld ‘rv ` - ' “~ 8 G
_ _ ' ` - ~ .- __ . . ', _ J dl 'li '   _,
nec _-\ci. provides that “once in cv- prepared. In thc_ oldcr_ c0nip;1iii_cs‘ 1OR s\LE__‘_\ smnn nm, ron ton sn wan' “JA Henderff_i;S;f\§yii;I-f," vertisirii;§riiiiilt.i;`;i?.lriicibilqyiiiiiinIiilticiiliii-'Li
ry fire years, oi' oilciicr. at thc cliziiigc of ilic oillcizils wiio compile It Omen desk _mn c,m,__ in good _ _____‘ _ __' [np (;0nn,,,.nn|,.,, Ad,,,.,.Ln_,,,n,-____ _\'_‘_“
- ‘ll lipll
_ ciidcnt shall liimscli taint oi pro- incorrect lctulns It is propel to once -Milli-r Bros Sunnyside. 4dlw _
Ill HW 93595 nf Cnmllllnlcs 0llll`l' ,mp 10 bp vnluqfl "mit-r ],|q gupel mc|;l,|0n thai; the c0i1r\(;i|t\n§ 'matic ’ "3 "_ *__* " EN WANTED~"RCl|ll|'|l' lllcll in
llireciion oi thc niiiiistci; ilic super- the stntcineiits is aiiotlicr source of 'ei-.lor-wiiitleii .,|,¢....`if .-.pulled ff. ¢, "  N" ' ork ,_ -
, __ _ _ _ _ __ _ - _   . _ _ _ _ _ " “ PLUMBING & HEATING’
d F
iision all the_ policiis of_ liic iiisui- ha\e been invariably atquicstcd in by WANTED 4Rligytglprrrl-li¢=iin§;r.s!E`£ur§n£;`:m¥?:: 'du to exmirtilgsllllrxlr ml'-.'lfiiiiii;},|m|l_`,,_|i, '",',‘;,
‘HUC 0_f (tllllafllfill ('0U}i72'-lll€5 and UW l-he C0lllll11ll“"5- ___ _ smitli.Successor late G. Hermann, op- showcards ot. trees, fences, iiloiig ii..-..|»_
ihiiiailiaii policies of life lnsurn_iice oi =» posits Opera House. and iillconspicuous places also .ll_~iii.
flllllllllllml "imc" “ml for thc lllll'llU-‘5°` conipaiiics other than Caiiadiaii coin- THE ONLY FAI.-SE RIETURN RE- WANl‘EDfAt once n principal for _ _ buting small ad\'ci~ti.~aiin.;iiiiitlcin .\.il.ii-,-
ponies llccliscd under this act lo CORl)1L‘D_ _ I Vlgiliflfllll S¢l\°0l~ SUDDl2nl°Dl5'$5U. _ MILK VENDORS $900921' gvllf-10375 l>0rl110I\ll1_ and A
transact the business of life insiir- nblgce W” °"W‘- APP'-Y 5° J~R-_;l(`)3r;“3_l‘S. _ __ D*-‘1\S'lSl$ D015* rlliliy. Steady ciiipl..yi_n.-in
ance in Canada. Mention may be niadc oi one in- ' ' ' feeggsér' ",},‘,l_;‘w°;o_f“°",1t, N,” _"“l’;f.""’¥""`
It was tho intention oi Prof. Cher- stance referred to above oi a false _ AL¥_‘np°“°';,°,, yfiilfnng mnk  Meillclug' Co. Lcnfltiii Uiii‘mH"' 'umm
riiiian, thc first- superintendent., that return made to the Dep:1iitment, as 10 LET try H°ngfg:"Pn‘;,enE_?,,nny °°“'s B °“ ' ' ' 
thc quinqucnnial valuation of the the company rcferrcd to is out of _ ' ' ADESMEN \VAN'i‘I§_u.-for“omni-|..'
policies should talio place _upon the existence and thc oflicials concerned r`|'10LE'1f-On Sydney street west, borne [LK fresh from the cow _lrydatcist Nuriiei-it-ls. _ I.iii~{,;i-st_li_~i .Al
sonic daic, and the first quinqucnnia] have disappeared from the field oi_ _conlniningseveiironuis. Applyto Mrs. _RlI|1l‘f\\1l-eefl pure. delivered spwlan es 'Qi “;_'_d'“}‘ °"1‘;‘_‘,"°_"l“l__*“"'|\»
_ , valuatioii was iiiznlc as 31st Dc- Canadian iiisuraiicc. 'l‘li~ Canadian tCni»llCnmcrun,c0r-1’U\vIH\l11Ilfl S.vfl"_¢‘y ""Y‘" "“Y 9"" °f the cltl’-'H~ K""Y-' ?p|°°',\| YS “inf °r 'I "fe lid."-“'.“
so .icpositcri by .'~'\lL'll C0lY\l»fU1lf‘-H "UW »t-,t-mln-1~_ 1879, nnil the rcsuiis pub- manager oi n. llritisli Fire Company, Hll‘~"‘t-~ H1131 S0“°l‘P°I`ff- 10-205 l"l'- I_f,,?,;),.,,'1 l}',,,'f',§L.,_.[',‘,‘f};f,?i,‘ lim, "\i\'\','_f.'|","{'
lislicil in the report of i880, issued by zi niisi'cprcsciitation of the nature ,_ _ , ' Erclnsivo 'l‘erritor_ . illiilcitli- it-i-in_~.§i,}.i
the summer of 1881. 'i`he second of of thc business \\'_i'ittcn in Canada, l;I‘OS{‘_l_'~;_l;j__“___]_)[_‘\’3:‘,$_,__’°';cu [i_g_|J‘§1“;m,l:§ll', BAKBERS citalogue. Stoiie.¥c\Vellln~_»inii,‘l‘-.i»....i
qncli quinquciiiiial \';\li|ai.i0ii was un- nladc It I‘Ciill`ll \VlllCh lllltlL‘ISi€l.t0tl the n,_',e,|` ,Mtn nu nmdern é`o,,ve“inncc5 P0; _.D
ilm~t;tk¢\n as at 3151; I)cc¢mbgr_ reserve oi iiiicrtriicd premium liability negninn n;,.,,n nn ,,n,.,.__ For nnrticulftrg 1 ) 1 1 tonpplication of hair luster 
IHS-i, and thc results pulilislictl in t-hc Upon an examination oi tho company apply to Wendell Phillips atL.\\'.<lnok‘s.` ll lhlb FA. every person who gt-ts. PECIAL llEPRlf3S_l‘3_N'1`A'1`l‘/15 In 'lu-
reports ii,-sued in 1R85 and Subsnquenl the discrepancy was discovered’ and ` . il-22d tfw work dime at Moore‘s barber -sliop °°““l1Y"~l1d llfllolllllliztci1-iini-it-f._ini-.--
,.,._n,S_ The work was tnnn fnnnd to the company was L-allul "non to _.___ _____ _ ____-______ 1.usi¢»r¢ 2.5¢. homo, Ercnent u_n11iifl\'cirtifneli\iii old___e>\_=.lfli7_li.~|
he wo incur. to be cf»ffic<1u\f<>u.=1»in make an wlilinl-al <\u>°Su~ The HELP wAN1i»:n-Female ` sL‘i.?°°‘$~»i°“i$.‘.’~ii° ‘..~'..’li"'.§&“.'.-‘?.'i‘f'-"'f‘“;
aiiyone year; so the companies British nianngcr oi the company was __ ' ‘ _ (`il~}'l‘n shave nad hair cnt nt Vernon ,men i(,,n'df,_y|,y'nh'§nk duet(I,-,.,,,ni,ff1f`f_
\\~¢\r¢¢lividul into groups and the dates not satisfied, however, that the a- _ AN-rED__By the ,nn ,nan gn., for I 13-MUl§f0l`<l`5."9X'- E-`<‘1l¥llll¢l`°m¢'¢'l quarters. lux eases advanced; |in~.iii..ii
of valuaiiioii distributed ovcl' the fivc IHOUHU Ol U10 I0-S01`V0 IIS Cl1lCUl&t0d  general houec work. Applyto Mrs. dw" ` D61`l1W~ll°“l?- QW f\ll'lllHl\ e\'ci'yilii|i;_»
ycars, and the work was a.i'rangcd so by the Department was correct and W. IV. Clark, Hillsboro Square. \4dtf ~,ET shaved and yonrlulir cunb R, _-'_ \ddresH,TlIE COLUMBIA. 0:40 nliliioli
_ , that thc policies of any one company llc employed a. .large stall of clerks _ _  next, (_},\,|_L-1.2.., _ (;0ngn,,¢i{,n¢f"';I,_§“udm”'u“°”‘llq'.ui'. . _ 2"l"'
done by ciglit companies, the assets nsnnnln be vnlnnd an 1,151, once in pvc for several \vcnks to calciiiatc the ex-  ADIi€S\VAN'i`l1lD -A RRIGIITENER-_ 10_md,_w1y,_'v"  1 "
| yna,~S_ act iiiicarn_cd position oi thc premium PJ GETIC WOIMAN-`(¥|l'omant'sl Ynrlr. " ` 
" In thc iiitcrral _between the quin- on cacli risk in Caiiatla. The result b§;`f:;2;__°;‘_‘_')“R§‘f)Sf;"§’l'f,°, nnngciflsnfnggincéi RESTAURANTS ..»»iity¢i...»..¢i.......u..n.~.ito......ii._.
fl;l¢‘Inl_l\l_i1l]`f‘>f2tn1iiiaRioiis` tliel acl_ua_i'_ic_s ‘ KRS llllft _file 1_)°l”lf`l""_"`_"t'_5, lllldlflli  Salary $12 to $l8_ weekly. with expenses' _ ` 1_3 .».u¢’¢»,n»n¢.»1___ii§l.'1'fi-ii7f'.i'.l3”}.'ii_' ..“.fiii~fiiIi-_iIif.i`_"'l”~'|._\i'ii1 5' 7 
nlaicicvttrip.1il0nn;|i n,lit_ ;il)'(cllt,0  ;n_t_k_l:lsc;_i_\<_’l`;\as coiiiiinuql in _lc\0l)_ pai." each ’l\Ioiidny direct from head: (`1liICI§I'lN~_pie, Beans, ];re,,,| .renin f,';".,;},;*};‘_l_;l_l\_fnr_“:i‘_=Enigma.‘§.n.nn;n.n,'.nn_.|_nJ_ .
'v
.__ Urlt. ll--Zrltl i\\l2Iw.`
y c s y, ly ‘.\ uni i- D a ic company loit y ai quniteis. Exneiises advanced. “Te fin / gon,-,, Inu nn Lon" nn ‘ 0 in Nui r.»ii.n.i°m=n vuinvnniy-~~~r»~-nr1<»rifi7"if~\i
stood methods, tht-_ r(\5n,~v,-S 0111,;-1- me terwards went into llt|iiidntion_ The riish cvci-ythln . Addrei~s,Sccrelary 62 1»,'°w5,,|jnn,,_ g S opp s ° '§"l““""“°"""‘~ ‘i"""'“""l““|""“""“"’ _
cordial; to the Lfovcriiniciit- staiiidard, .l dllbosit Wllh the Itcccivci General M0110" |5lC<'k. (§hll'BlI0. 111 I ' “ws MED/emu' co" L'md""` qnmrm' Cuwnh
or accordiiig to the stantla_i'ds employ" W3S Slllllvlvnt t0 pity all Canadian
bv ilic various conipanics clainianis in full and to rtinsure all ~ -V Y ; " "
~ _ _ _ ' _ . _ _ _ D. (7. . . ‘. ' - `
1.0,- tnls nnnnnsn tnny nsn the ,tem Caiiailiain risks with aiiotlicr licensed M°LFuD’K L W' E‘B”"""“'
in thc annual statement -ivin the C011 IH
Q r  W _vnniisslnlii suns M-L-od c B E B W'LwMf.~
iiatiirc anti voluiiic nf tht lnisiiit-ss ln two or three instances, coinpan e“uey9 ° n '- ¢- n . i,
writtcn and tcrniinnlcd, llic receipts ics invcsteil a portion oi their iuiids ll="“l"lHl°l“-‘ “Fld All/01‘H'1YH-nl'luw‘ nnmnwc cm” dm? hoiary'
ind di_~:burseniriils oi th" company, ill Sccuriiics not autliori'/.cii by the - - -- ~---------~-- - ~---__--~ -_ Solicitors for the Ilnnk of Novn Scotnp AFTER lANUM“ 2*”
mtl tin- stain of tht- i~¢\¢,¢»|-vp ag dp. statute iii that bclizilf. To this the Mmloytolcaii. ` OFFICE-HOLMAN BU|LDlNf`,
tcrmim-_d git, the cm] of thc y¢3,r_ l)epariiiicni._of course took cxccpl.ion_ F C  Co. Oifirices.-Bank of Neva Scotia. Clnmbeis. Next door to Royal Ifauk, Wnl_r Sl.
(nh.-i than to Clint-l, in the |;._-mml 'l‘hc objcciioiiahle scciirit-ics were It-Sdtwwlvi-. Ulinricttntowii. Summei-aide. M\lNl~1YTO LOAN.
(li) Rcscrvc 'liability in rcspcct olk _,Cn-"racy of (hc items 0; ycgcrve in tlicrcupoii disposed of, and other se-  ' J- = ~-' --~ ''''' -"`
thc various siatcnicnts thc estimate CUl'iti0S 'iubstituleil to ilic satisiac- DESIGNERS'  S 
*__ __ ___ _______ _ _;, _n thus dclciniiiictl is used only in at icw t»l0l\ Ol U10 tlvllilltllwlll- FNGRAVERSI ,    
 ili `
ui A noir ml
Spring Skates.
Hockey Skates.
_‘_
Hockey Sticks.
Shin Pads.
Packs.
Wholesale and Retail. '
FENNELL &
 _
     -
_a ~ » '
_ S.. . _ ..\'. _-5*. '- ‘\_-
`i  #J  » -_"l§,l¢`l`l",l_"l!` _-~»-. ‘_~h-"'v'f'_~|r~-_- ;<'=~.r-_f_=‘f:i6’1_'='°¢' 'ff' -
i
CHANDLER,
S H OU l S. . .  
There is but one opinion--Everybody, everywhere
speaks well of
uiiirs “siiisNi”  if
Pllrioii MATCH,
All grocers handle them-No work to sell them.
Asked For Every
' 12 boxes (zoo each) retail at 25c.
3 boxes (500 each) retail at i5c.
SCHUFIELU
St. John, N. B- ‘ C
Hour of n the Day
c ly America
An exact valuation of thc policies is
inadc each your b thc conipaii 's ac-
tuzirirs. In' foiiiriccii out of ilwcntv
onc (‘a_nadiaii coinpuiiics tho standard
of valuation udopictl is higlici' than
the govt-rniiiciil» staiidn.i‘d_
'l`lii‘cc oi the i'cniuiiiinL§ scvcn are
iic\v coinpiiiiies, to which the liiglici'
stuiitiniwl wliirfli cniiic in forcc Ist .lan
uury, Illiltl, applies.
CONSIDERAHLE INCREASE OF'
SURPLUS
thus in thc case of thc large num-
bers oi lhcsc companies involving ov-
er ninety pci' cent, oi the reserve the
liability rctiirncd is greater than the
coinpaiiics are required to show un-
_ der thc provisions of the Insurance
Act. In no case is a. lower reserve
i'cturned than tliat produced by thc
(iovcrniiiciit .\‘i.andard. '
Since the (list Dcccmbtr, 1904, 'a
valuation has been made in the dc-
partmcnt of the policies of four of
upon the Government Stand-
ards of 805,145
ln thc other companies the
esiiinaicii cxccss is 200,000
_ _ $3,692,011
This will rcducc thc not reinsur-
ncc reserve of all Canadian Life
tfoinpiinics as at 31st December, 1004 -
from $80,684,769, according tothe
_ ' _ ‘ companies' standards ol valuation to
~» - ' about $77,000,000 according to~tho
(iovcrnnient. standard, and increase
_the surplus to policny holders over all
oliabllities and pal up capital fiom
_ __ $5 352,037 to $9 044,048
I, case of all companies are usually
'l`hc other ltcrns of liability in the
ompamtively trifling in amount and
no special reference thereto seems
.....__,,_.3_‘§.;:;:;§n':l::‘.:;.J:;‘irriLi:.':.ir’°‘“° f; IL MURPHY'   _Klllli EDWARD _EIQIEL '
' .‘ _ " ' ;‘ ' ` ` _ ` ~ o
" ' " " - - ` ' ' ` ‘Barrister Sohcif r Nat I U
cases to supply the reserve itcm In view of thc large niinibcr of , _ ’ 0 ' my' tc'
_0n,i,_Led from uw annnnl Stntnmnnn (-_0mp3_ni(.S (|10) 10 be _vlnilnd in n  %)lg1¥;¢;y1€?oll¢|»nn. (iiillrictiensnmdo. Bll'l'l5l¢l’S, 50l|Cli0i'.§, BIC.
'l`hc itcnis thus stnlplicd are iiidicatcd limilctl Sparc of tiuic, and the large ` t' 1° n' N' B* -____ '___,___"’f'f_ '_~"_;_ _ _ SUMMERSIDE, P. E. I._ _
by a loot note i thc puhlislictlbliii- nuinbcr oi itcnis to be checked, it is ==5’*i= * ' =’ Si\mi.L\v(»0p_(\_|¢_ Dn,,.,,,`,,,,,,",,,,j{§,_`,,',_,,`C,, Oiiices-RoyaiBank of Canada biiilliwg.
hook as “cstiina.tcd by the depart- not contcnilcil that cvcry ci'ror has “ff-l1*\W N0U\fyPul1lic. etc Ollltc Cnni NEIL McQUARRIE K C
nic-nl.” been corrcctc<i nor cvcry irregularity E 0  cron Block, lately ccwirlofl by|'l"-L-Hlwmrd ' E- AR5}’3i"A-UM"
Most of our Canadian companies iouiitl out, This would be an impos- 0 0 K-ll'-N°"'l\5ll10Qll00l\Snuarc. Money mluan "5 5"" __ W ___
have well csialilislwd and cillcicnt ac- sibility cvcii if a iiiuch lar ci' stall "'~"""'-"i‘=f'~4*= »--»"---- rf """"" "'"°*“‘"' 
I:
i.iiai'iai rlcpni‘l.iiicii1s, prcsirlednvcr by than our own was cinploycd in mnk- Barrister' solicitor’ N°t°ry Pub’ A'A‘M°L°“"'K'('° D°"'*“1M°Ki““°" M U M Fo R D B R OS-
skillcti and conipetcnt act-uarlcs, and _ lic, &C. MCLEAN 8McK1NNON ”'_.““
im,-C _,im 0,, nn. Stan 0, 1,;,,.s,, ,|,.__ _ oi<riciis:_on..iioi-.iii niiiiiiing. oi-on 1, _,.. _ _ ’ Produce Commission riercliiiiits
_ _ , _ - - (ioorifc Strcctiicxt Uank cl Novo. Scotia Char- “U '.l"""' A'*l"’U'°i’*~"\*fL‘\“'~ - ~ ml |»l\'t‘
pailinciils students of ziciiiarial sci- , _ 1._n;_|, n_ ' llrownslllocn. (:lini~ot¢el,o\vii. MUMl~01tl»sli ._ _ ., _
nnnl, wh" haw, nannnd Om, ornnnrn of A   og:-"gi’w\iI; tf Him '   STN HALIFAX1  “L
,nn nxn_n,inn¢j,,nn Qilmr of gnn };ri|_ - - ON- ' ` Pornoiinirittnntiniiiriinnl<`\in;~IilHnfliiiin_
ish lnslitutt of /lctuaiics oi of thc “"H°'"'l°""'y"'"l U" 'N ` `
 _“anis-Sl Sgéictl  ‘ _ '_ '  . -  A M  D  S JOHN A. MATmx8(;N’ K. Q. '    l`?$,-hcovtiiwovf aalvcn'i'eiii'ltl£'_il  
_ . | _ ( ~ ;: 1 ‘ ll
/ituicke A. Miioi>oNai.u.» _- -- - _*_ _ f,‘,f|‘l,§f}_,i,‘n‘f“ 'mm' °" "mm" lu" Ulm .iiiyii I __
Ilaiii-dei-ii So -  -~- ~- '
Matlilcsoii & Macdonald 525§.§_ll‘l.El;_'?.':lll,;l‘;‘lii§.ul.hi
limrlrlsrrilw.Sotlcrrorre "‘f'.'.'i'l.'»’.fL'f‘illil.lt§ilI.‘$i{tL’l?’§"fn... on N' S' &’ N' B' 
No1'l\niicsi»uni.io,&.c. Il_uuu Ross l..l._li, ' fit; K M,\.?1,,~(,,,  "'
‘ ""_'°` »>- ? 
I than procured tho DIAMOND DY_F'.S, ,dig to bum down you could
A;'l&':‘_:‘;l;;;t‘2'_°; l;':_:'_:_};T:,[pr,s° walt to insure until the week be
' - ' _ -rom t ~
I dipped them in the pot. ' ' bu
In Black oo ridh and deep Ygq ug wg mtg Rgmgmbgf gb
I mourn no more, and new am blessed °1¢fy|¢.¢_ ¢»'1‘h¢|-¢ ig no (img 1|)
Wlietrer I mlm 01' elven- nt," and no lnmranc
Th moral of _m songjn lain __ _ _
Teo women bi-lgzlft and Jihs; ‘ we-' in ~"~
' " ""‘ "°“" "°°°“"’ "°"° '°"" “_” cnaaim Queue. ‘
To-day, my kittens all are dressed  lS_D¢§tl'0yCd
' :like
I Just use the DIAMOND DYES.
‘ _ ' ° Opposite l.C.R. Depot, a i ax.
"""" W """"""" "*`_` SYDNEY, C, Il, i¢‘l|,t;4¢d with “ll modni-ii iiiipi‘ovcii\l!I\_l>=. "ull-""’l
contly iuriiislicd Situation nud new nn~nr
G | C I ' A ‘il rs ‘ilu
W. F. H. Carvell B. A. §l’.°'§ °"""'°"°“ "°""’°“*‘ i:~“€°;i‘"““'“r. ‘”l:'.';.'.:_'.l':.f.if-'.'.' "
D _ 9 mm an Produce handled on commis u¥nE""_f_s 'tclrgusbtgnigocgor my M_c_____,§__n n, |,,.
.»3l'llSlBl, Sllllhlldl, nllllfy llc- Promrrt returns mode on WM, WILSON, Proprietor.
Commissioner for proving clouds for registry l5 W IVV An] N d 1 vf
Tn _ \_ Y- M. A. Building '~i;___~- _ _ _.___ _____ _______,  ` "' _`-.M
Misgtwléall'-287'} Chm°mww"` w,A.o.uonson ~   H01 lil-
, K. C., 0. GAVAN lUFfY
  _ ' _1 John, N' E
0 nmicairlii nie be-unlnii xiii: sq-1-ff Mlfl
ii. Join ir-nwisit nr. M0” “ 6° D“ffY .4-»»--~   .1
B ' t d A1( _ ggq gh 1. The only hotel in I in
_ ’ 1 ni-nwii':§i§i.i:r::i.1'iioir°¢a‘iiiific. 1. gftrpidlh vflv~l¢ iff” “ld r°""“‘-
l’hy»|¢|°“ IM 5"f!¢°H- ‘ amount- 'ro Loom w crm ¢AMP1“'L'-
B __ _ __ :_ Lenoir" luis. na__m,j
_ P O W N A L S T K E E T' M“o“c tors for'I iclloyal Bank of Canada] 4 9'
8di 1 yr
Opposite St. Joseph's Convent. f _
Whén your well stocked store vu
_ » 'ill
  
holding a Digloma. ~
i'lis| A. i‘erguaon,Lady Assistant
E l tth -bilh
r.‘.‘.`l£‘f22 mv.” mm. .....ai» o
any in :the idiot Provl »
can  _teftlny 
_ HOURS-Until ioo’clock\.m.,r to  
tht-sc Cannilian companies with the My kittens three, were white and gray, P  Jn I    i MQNUION N B
following rcsiilts : 'Tvrns°|.n|~q mime, num gina; V ‘ Bn"-|s¢¢r and Att"-ne ' ' |  Hotcl in
~_ - _ - - _ I .The Largest and Best Lloca e _ __
l,;’;:;rz:::§;.r‘::.'_:z2... *élftléttl ~;,;g»;;;;;;,~;;_{,~;;;°,f;;;;;~ ec Arthur J- B- M¢lllSl1.M- 033;,-5, U-,g-1=-~»»»- °_:i;..flii-...:::;e.°1:::::;-_:vs_;22..r:<¢it»
. --*L ` ' _ M RSIDE P. I. mio deal. i i noi.. rm..,i....ri'f‘~f “_
Excess by ,,t,,,,,n,,n nscn .,.n”._,/W ____,_,__ n,°_mom,_,_g ,nnd (I-IARVARD.) uouinrro xo _ oi. gm kumar img .|wl'»"n .i_¢=l'i§rl’l§“i'<'>r&>.iri..i» m_i..u...._...
__ q  ltheunompanics _ 'S 2,626,866 _3°_tl.-ly and no trfnl, BARRIBTER AND ATTORNEY-AT°LAW. %°2Tn°32“ __ __ __ "tm, 9Eo_ M,gWgENv_ Proc.
I; I a 3 ici* coinpaglcs biagflc An nmtnn ¢,|1.,'¢[ egg homo lmkmg nd, Cor. Queen and Richiiionil Sui., Clftpvm,  _---
atc .ier vena on oi Tien ,H Olil AB.
_"mn ,noir own and also With clothes sc soiled and grim. 3_1 $1 u:u:ud lure 258. oc
_ _- ~ 4 l _
I cculd not keep them tidy. Milt-  G D  I
One hour of t,h_o day S ° 9 Q
Whe th y were inthe field or street, FlllI¢l’l| D|lB¢t0l'. -_
Wirth other cat! at Play- " IP  oNLY KNEW Tim only Embaimei- ._P. E. lqiung
has. F. Davison,
_FUNERAL DIRECTOR
AND BMBALMER.
Oilice, Show Rooms and
Residence, opposite Bl1Pll5t
Church.
_ Equipment first class. all
ciiis promptb’ mended t°
i'<"'“'i nu l»u¢"“"*‘"7»¢ A
no ln
no i'i.»°'s\%u»»r 
I
‘-3, vi ._ ._ 1 _gmglvw »~rg>;f_ ._--».» ~
orribninofnm. ‘ '
.l:."l¥"§IDENCE PHONE 60|).
r i
1.31%., .....¢ -»-_ -...-W .... ~._. _._--....._.... -»»»--- - » "3" V-’f"”'* i"“‘*" ““”“ M”-M3” f‘
at any' hour of the day 01'
H glephoae No. 239-
‘f‘t"t.§“.l- .mn r 4
;§.;E