I L L I N OI SUNIVERSITY OF ILLINOIS AT URBANA-CHAMPAIGN

PRODUCTION NOTE

University of Illinois atUrbana-Champaign LibraryBrittle Books Project, 2011.

COPYRIGHT NOTIFICATION

In Public Domain.Published prior to 1923.

This digital copy was made from the printed version heldby the University of Illinois at Urbana-Champaign.

It was made in compliance with copyright law.

Prepared for the Brittle Books Project, Main Library,University of Illinois at Urbana-Champaign

byNorthern Micrographics

Brookhaven BinderyLa Crosse, Wisconsin

2011

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THE CHARACTERISTICS

OF 'THE

AETNA LIFE INSURANCE CO.OF HARTFORD, CONN.,

ARE

Rigid Economy, Absolute Security, PromptPayment of Olaims, and Fair Dealing

with all.

Its career has been one of continued success; each year's

business adding to its resources and strengthening its

position, until it has become a

OWER OF TRENGTH,

and can be trusted by all who desire to take Life or

Endowment Insurance.

THE AETNA LIFEFurnishes the best form of contracts-and gives the best

possible results under them.

SURPLUS OVER LIABILITIES,

upwards of

$5,600,000.00.

T

c

t'

S i

/

"Poor Richard's Almanac."We are pleased to present to our patrons and friends a

reprint of the celebrated maxims and apothegms of Ben-'amin Franklin, printed in his almanac, which bore thefeigned name of Richard Saunders, and hence acquired thetitle of "Poor Richard's Almanac." Its publication beganin the year 1732, and continued twenty-five years. When it'was brought to a close a collection. of the maxims was pub-liished in the last number in an address to the readers, enti-tled "The Way to Wealth." The admirable digest has.een translated into various languages, and is widely known.We reproduce it herewith as follows:-

THE WAY TO WEALTH.

I stopped my horse lately where a great number of people_4Vere collected at an auction of merchants' goods. Theh our of sale not being come, they were conversing on thebadness of the times; and one of the company called toalplain, clean old man, with white locks, "Pray, FatherAbraham, what think ye of the times? Won't these heavytixes quite ruin the country? How shall we ever be able topay them? What would you advise us to ?'" Father Abra-ham stood up and replied, "If you have my advice, I'llgive it to you in short: 'for a word to the wise is enough:aid many words won't fill a bushel,' as poor Richard says."They joined in desiring him to speak his mind; and gather-ing round him he proceeded as follows:-

" Friends (says he) and neighbors, the taxes are indeedvery heavy; and if those laid on by the government werethiie only ones we had to pay, we might more easily dischargethem; but we have many others, and much more grievous to

The }Etna Life Insurance Company is oneof the strongest financial institutions in theland. Testing its liabilities by the legal stand-ard of the State of New York, it has a sur-plus above its liabilities of over five millionsa*nd a half. A reliable Company.

2 9 6 7 0

CALENDAR FOR 1883

Being the latter part of the o107th and the beginning of the io8thyear of the Independence of the United States of America. Also,the year 7391-92 of the Byzantine Era; the year 5643-44 of theJewish Era; the year 2636 since the foundation of Rome, accord-ing to Varro; the year 1301 of the Mohammedan Era, or the Eraof the Hegira, which begins on the 2d day of November, 1883.

THE SEASONS.Washington Time.

Vernal Equinox, (Spring begins).......................................March 20, 6 h. P. M.Summer Solstice, (Summer begins) ................................... June 21,... 2 h. P. M.Autumnal Equinox, (Autumn begins)...............................Sept. 23,... 4 h. A. M.W inter Solstice, (W inter begins) ................................... Dec. 2x,...Io h. P. M.

CHRONOLOGICAL CYCLES.Dominical Letter........ G. Golden Number ............3 Roman Indiction...... iiEpact....................... 22 Solar Cycle................... 16 Julian Period..........6,596

EMBER DAYS.February 14, 16, o....May x6, 18, x9....September i9, 22, 22....December 19, 211 22

FIXED AND MOVABLE FESTIVALS.'Epiphany.............Jan. 6 Palm Sunday......Mar. 18 Trinity Sunday...May 20Septuagesima Sun. " 21 Good Friday........ " 23 Corpus Christi... " 24Quinquagesima Annunciation....... " 25 St. John, Baptist..June 24

(Shrove) Sunday.Feb 4 Easter Sunday ..... " 25 Michaelmas Day..Sept. 29Ash Wednesday..... " 7 Low Sunday........April i St. Andrew .........Nov. 30ist Sunday in Lent.. " ii Rogation Sunday " 29 Ist Sunday in Adv..Dec. 2St. David.............MarM Ascension Day.....May 3 St. Thomas......... " ! 2St. Patrick.......... " 27 Whit Sunday....... " 13 Christmas...... .... " 25

MORNING AND EVENING STARS.MERCURY will be evening star about January 2I, May 24, and September 'o;

and morning star about March 3, July 2, and October 22.VENUS will be morning star till September 2o; and evening star the res: of

the year. .JUPITER will be evening star till July 5 and morning star the rest of the year.

ECLIPSES FOR THE YEAR 1888.In the year z883 there will be four Eclipses; two of the Sun and two of the

Moon.

I. A slight Partial Eclipse of the Moon, April 22; only one digit beingeclipsed anywhere. Invisible to the larger portion of North America. Visibleto the Pacific Coast, Eastern Asia, Australia and Pacific Ocean.

II. A Total Eclipse of the Sun, May 6. Invisible. Visible chiefly to theSouth Pacific Ocean.

III. A Partial Eclipse of the Moon, October i5--16. Visible to North andSouth America and extreme Western portions of Europe and Africa.

IV. An Annular Eclipse of the Sun, October 3oth. Visible in part to thePacific Coast; also to the extreme Eastern edge of Asia, and to the North PacificOcean. Beginning at San Francisco at 3 h. 47 m. P. M. ;-the Sun setting atmoment of greatest partial eclipse.

ETNA LIFE ALMANACFOR

x883.l

CONTAINING

THE WAY TO WEALTH,OR,

POOR RILHARD'S ALMANA 6,"BY

BENJAMIN FRANKLIN.

/*

PUBISHED BY THE

ETNA LIFE INSURANCE COMPANY,

OF HARTFORD, CONN.

1883.

w ,-, .. A : *t, c

. 2 3 4 5 61 2 3 4 5 6 7 .7 8 9 10 II2 13 8 9 0 II 12 13 14

14 15 16 17 18 19 20 15 16 17 18 19 20 21S21 22 23 24 25 26 27 22 23 24 25 26 27 28

28 29 30 31 .. .. .. 29 30 31 . ..... .

1..2 ..... 3 .. ... .. 1 2 3 44 5 6 7 8 9 10 5 6 7 8 9 01 II >

m II 12 13 14 15 1617 12 13 14 15 6 17 18S 18 19 20 2122 23 24 19 20 21 22 23 24 25 CDS 25 26 27 28 .. .. .. 26 27 2829 30 31 ..

123.............. .. ,. ......

.. . . .2 3 .. .. .. . I4 5 6 7 .8 9 10 2 3 4 5 6 7 8

II 12 13 14 15 16 17 9 10 I 12 13 14 15i 8 19 20 21 22 23 24 16 17 8 19 20 21 22

2526 27 28293031 23 24 25 26 27 28 29 ".. .. . . . 30 .. . . . .

.. .. .. .. .. .. .. .. 1 2 3 4 5 6

1 2 3 4 5 6 7 7 8 9 Io I2 13 08 90 II I2 13 14 14 15 1617 18 19 20

15 16 17 18 19 20 21 21 22 23 24 25 26 2722 23 24 25262728 28 29 30 31 ......

29 3 0 .. .. .. .. .. .. .. .. 1 2 3.. 1 2 3 4 5 4 5 6 7 8 9 10o

6 7 8 9 10 II 12 II 12 13 14 15 16 17 0S13 14 15 16 17 18 19 18 19 20 21 22 23 24 .

20 2I 22 23 24 25 26 25 26 27 28 29 30 ..

27 28 293031.. .. .. .. ........

.. 1.. 2 2 3 4 5 6 7 83 4 5 6 7 8 9 9 10 I 12 13 1415

10 II 2 13 14 15 16 16 17 18 19 20 21 22 (z 17 18 19 20 21 22 23 23 24 25 26 27 28 29

24 25 26 27 28 29 30 3031 ....• .• . . .. . . .. . . . . ° .• . .

THE A.ITNA LIFE ALMANAC. 5

some of us. We are taxed twice as much by our idleness,three times as much by our pride, and four times as muchby our folly; and from these taxes the commissioners can-not ease or deliver us by allowing an abatement. However,let us harken to good advice, and something may be donefor us: 'God helps them that help themselves,' as poorRichard says in his Almanac.

"It would be thought a hard government that should taxits people one-tenth part of their time, to be employed in itsservice; but idleness taxes many of us much more, if wereckon all that is spent in absolute sloth, or doing of noth-ing, with that which is spent in idle employments, or amuse-ments that amount to nothing. Sloth, by bringing ondiseases, absolutely shortens life. 'Sloth, like rust, con-sumes faster than labor wears; while the key often used isalways bright,' as poor Richard says. 'But dost thou lovelife? then do not squander time, for that's the stuff life ismade of,' as poor Richard says. How much more than isnecessary do we spend in sleep! forgetting that 'the sleepingfox catches no poultry, and that there will be sleepingenough in the grave,' as poor Richard says. ' If time be ofall things the most precious, wasting time must be (as poorRichard says) the greatest prodigality;' since, as hlie else-where tells us, 'Lost time is never found again; and whatwe call time enough, always proves little enough.' Let usthen up and be doing, and doing to the purpose; so by dili-gence shall we do more with less perplexity. ' Sloth makesall-things difficult, but industry all easy,' as poor Richardsays; and 'He that riseth late must trot all day, and shallscarce overtake his business at night; while laziness travelsso slowly that poverty soon overtakes him,' as we read i'npoor Richard; who adds, 'Drive thy business; let not thatdrive thee;' and,

It is no doubt a fact that death demandsthirty millions of mortals annually, which isnearly one for every second of time. Reader,with the possibility that you will be.n ext, youshould not neglect to insure. Take a policyin the -Etna Life. You will not regret it.

I~a

-> JANUARY. ,l+-

BOSTON. NEW YORK. WASH'TONL. Q. 1 8 6M. 7 54M. 7 42M.N. M. 9 1 15 M. I 3M. o 51 M.F. Q. 5 8 3 A. 7 5s A. 7 3 9 A..M. 23 2 31 M. 2 19 M. 2

7 M.L. Q. t .5 42 M. 5

3o0 M. 5 18 M.U). D.° t -

",. ,. Historical Events.

I M 1st. NewYear's Day2 Tu 0 gr. hlel.lat. S.3 W Luther excommunicated, 5214 Th Q ~. Com.Vanderbilt died, '775 Fr Battle of Princeton, 17776 Sa 6 Y . Epiphany7 S Chas. Dickens born, 1828 M 9634.-9 Tu 9th. 9 perihelionIo W 6 # (4. Florida seceded, I861II Th Alexander Hamilton born, 275712 Fr ( in per. Stanton, Sec'y ofWar13 Sa S. P. Chase born, 18o8. [1862

14 S Battle of Rivoli, 179715 M 15th. E. Everettdied, '6516 Tu _ 6tV(t. Ft.Fishercapt.'6517 W 614:413. Pres. Tyler d.,'6218 Th Council of Trent reopened, i563S9 Fr 624 t ; 6 9 h Ophiuchi20 Sa it stat. J. Howard died, 179021 S Qin . LouisXVI. behead. x79322 M -I23d. 9 gr. el. E. 180 32'23 Tu Coldest day in 187324 W Frederick the Great born, 272225 Th, IV stat. Michigan admitted,'3726 Fr # in per. Inc. Tax repealed,'7127 Sa a ( :. stat. Audubon d., '5228 S ([ in apogee. Prescott died, z85929 M Kansas admitted, 18650 Tu Constitution amended, '65

31'V 31st. ? gr. hel. lat. N.

LATITUDEOf Boston; New Eng-land States, State 01oN. York, Lower Mich-igan, Northern Illinois,Wisconsin and Iowa.

Sun Sun Moonrises sets rises

H. M. H. M. II. ,.7 30 4 38 morn7 30 4 39 o 0577 304 40 1 56

7 30 4 49 2 557 30 4 42 3 547 30 4 43 4 51

I

7 30o4 44 5 467 29 4 45 6 387 294 46 sets7 29 4 47 6 527 28 4 48 8 47 28 4 49 9 167 28 4 50 10 27

7 27 4 51 II 387 27 4 52 morn7.27 4 53 o 48

7 26 4 55 I 577 25 4 56 3 37 25 4 57 4 57 244 58 5 I7 245 0 5 517 23 5 I 6 337 22 5 2 rises

7 21 5 3 6 51I7 21 5 5 7 517 205 6 8507195 7 9487 18 5 8 10 457 17 5 10 II 437 i6 5 12 morn7 15 5 13 o 41

LATITUDEOf N. York City; Phi-ladelphia, State of NJersey, Conn., Penn.,Maryland, Dela., Vir-ginia and N. Carolina

Sun Siun Toonrises sets rises

H. Ml. H.. M. H. A1.7 25 4 43 morn7 25 4 44 0 557 25 4 45 153

7 254 46 251

7 25 4 47 350

7 25 4 48 4 467 25 4 49 5 41

7 24 4 50 6 347 24 4 51 sets7 24452 6 557 244 53 8 67 24 4 54 9 I67 23 4 55 0o 267 23 4 56 II 367 22 4 57 morn7 224 58 0457 215 0 o 53721 5 1 2597 205 2 4 07205 3 4 567 195 4 5477 195 6 6297 18 5 7 rises7175 8 6537175 97527 16 5 10 8 507 155 5II 9 477 14 5 12 10 437 13 5 14 11 407 12 5 15 morn7 11 5 16 o .8

STHE A.ETNA LIFE ALMANAC. 7

'Early to bed and early to rise,Makes a man healthy, wealthy, and wise.'

"So what signifies wishing and hoping for better times?We make these times betterif we bestir ourselves. 'Indus-try needs not wish,' as poor Richard says; ' Hlie that livesupon hope will die fasting.' 'There are no gains withoutpains; then help, hands, for I have no lands: or if I have,they are smartly taxed;'. and. (as poor Richard likewiseobserves) 'He that hath a trade hath an estate, and he thathath a calling hath an office of profit 'and honor;' but thenthe trade must be,worked at, and the calling well followed,or neither the estate nor the office will enable us to pay ourtaxes. If we arc industrious, we shall never starve; for aspoor Richard says, 'At the working-man's house hungerlooks in, but dares not enter.' Nor will the bailiff or theconstable enter; for 'Industry pays debts, but despair in-creaseth them,' says poor Richard. What though you havefound no treasure, nor has any rich relation left you a leg-acy? 'Diligence is the mother of good luck,' as poor Rich-ard says: and 'God gives all things to industry: then plowdeep while sluggards sleep, and you will have corn to selland to keep,' says poor Dick. Work while it is called to-day; for you know not how much you may be hindered to-morrow; which makes poor Richard say, 'One to-day isworth two to-morrows; and, further, 'Have you somewhatto do to-morrow, do it to-day.' 'If you were a servant,would you not be ashamed that a good master should catchyou idle? Are you, then, your own master? be ashamed tocatch yourself idle,' as poor Dick says. When there is somuch to be done for yourself, your family, and your gra-cious king, be up by peep of day 'Let not the sun lookdown, and say, Inglorious here he lies!' Handle your toolswithout mittens; remember that 'The cat in gloves catches

The 1Etna Life has paid to its policy-hold-ers, and their representatives, over.forty-eightmillions of dollars. It has on hand securelyinvested over twenty-seven millions. Its sur-plus over liabilities exceeds five millions. Itscontracts are all non-forfeitable.

-y1 FEBRUARY. 8-

BOSTON. NEW YORK. WASH'TON.D. H. M. H.M. H.M.

N. M. 7 x 26A. 1 14 A. z 2A.F. Q. 4 5 Iz M. 459M. 4 47 M.F. M. 2 7 34 A. 7 22 A. 7 o A..... .. ............. :.. ....... .....

: : Historical Events.X Th Washington first elected, 27892 Fr Charleston captured, 18653 Sa 6 9 C. Greeley born, z81z4 S OtV(. Conf. States organ.'6i5 M gr. lat. N.: d 0® inf. [6856 Tu 6 d' (. Charles II. died,7 W 7th. Ash Wednesday8 Th J2hp. Peter the Great d., 17259 Fr ( in perigee

Io Sa Queen Victoria crowned, 1840II S A.H. Stephens born, z8zz[2 M # . A. Lincoln born, .x8o0913 Tu d4J(. E. Allendied, z7 8914 W 1 4th. Valentine's Day

15 Th 9 gr. elong W. 460 52'16 Fr 64(. Dr. Kane died, 185717 Sa (stat. Columbia, S.C., burn.'6518 S Vermont admitted, 179119 M Florida ceded to U. S., 182120 Tu T 6 9 r21 W . 2Lzt. Revol. in Paris,'4822 Th Washington born, 173223 Fr d6 (. John Q. Adams died,'4824 Sa Robert Fulton died, 181525 S ( in apogee. Battle of Trenton,26 M Thomas Moore died, x852 [x77627 Tu C l. Henry W. Longfellow b.,28 W Bat. of Long Island, 1776 [1807

.. . ........ ....... .°................

.,. .. .. . . . . . . . . . . . . . . .

LATITUDEOf Boston; New Eng-

land States, State ofN York, Lower Mich-igan, North. Illinois,Wisconsin and Iowa.Sun Sun Moonrises sets rises

H. M. H. M. H. M.7 14 5 14 I 397 13 5 15 2 367 12 5 17 3 327 II 518 4247 10 5 19 5 137 9520 5577 8 5 22 sets7 75 23 6 567 6 5 25 8 I0O7 4 5 26 9 247 2 5 27 o10 377 15 28 11 48

7 0 5 30 morn

6 59 5 31 0 566 585 32 I 596 56 5 33 2 566 555 35 3476 53 5 36 4 316 52 5 37 5 9650 5 38 5436 49 5 39 rises6475 41 64o

646542 7376445 43 8356 43 5 45 9 36 41 5 46 10 316 395 47 II 286 38 5 48 morn... ......... .. **...°

. . ..... . .....*..

LATITUDEOf N. York City; Phi-ladelphia, State of N.Jersey, Conn., Penn.,Maryland, Dela., Vir-ginia and N.Carolina.

Sun Sun Moonrises sets rises

H. M. H. M. H. M.7 105 18 1 357 10 5 I9 2327 9520 3277 85 21 4197 7523 5 97 6 5 24 5 547 4 5 25 sets

7 3 5 26 6577 2 5 28 8 107 1 5 29 9237 0 5 30 o10 356 585 31 II 456 575 32 morn6 6 5 33 0 52

545 35 I 546 53 5 36 251

6 52 5 37 3 436 51 5 38 4 276 49 5 40 5 6648541 5406 46 5 42 rises

645543 6406435 45 7 376 42 5 46 8 34640 547 9 31

6 39 5 48 1o 28

6 38 5 49 II 246 36 5 50 morn

.. .. .,... . . . .

eot,:

1

THE A'TNA LIFE ALMANA . 9

no mice,' as poor Richard says. It is true, there is much tobe done, and perhaps you are weak-handed; but stick to itsteadily and you will see great effects; for continual drop-ping wears away stones, and by diligence and patience themouse ate into the cable; and 'light strokes fell great oaks,'as poor Richard says in his Almanac, the year I cannot justnow remember.

"Methinks I hear some of you say, 'Must a man affordhimself no leisure? '-I will tell thee, my friend, what poorRichard says. 'Employ thy time well if thou meanest togain leisure; and since thou are not sure of a minute, thrownot away an hour.' Leisure is time for doing somethinguseful; this leisure the diligent man will obtain, but thelazy man never; so that, as poor Richard says, ' A life ofleisure and a life of laziness are two things.' Do you imag-ine that sloth will afford you more comfort than labor? No;for, as poor Richard says,' Troubles spring, from idleness,and grievous toils from needless ease: many without laborwould live by their own wits only; but they break for wantof stock.' Whereas industry gives comfort,

-+ MARCH.

L ' BOSTON. I NEW YORK. WAL. Q. 2 o 42M. o 3 0 M. nN.. 8 r11 47 A. I 35A. ziF. Q. 3 34 7 A. 3 3 5 A. 3B'. M. 23 1 21 A. I 'gA. ,oL. Q. 31 -7 A. I 2K'A. 1 -D.1 D.nt. w.

-

I Th2 Fr3 Sa4S5M6 Tu7W8 Th9 Fr

to Sa'IS

12 M

13 Tu14W15 Th16 Fr17 SaI8 S19 M20 Tu2I W22 Th

23 Fr24Sa25 S26 M27 Tu.28W29 Th3o Fr31 Sa

Historical Events.

QU.2nd. John Wesley died,

' gr. elong W. 270 zo' [1791Chicago chartered, 1837

d ? . Dred Scott dicision,'57Crockett killed, 1836

6 : d d - 127898th. ist U. S. Congress,Scott at Vera Cruz, 2847

Mazzini died, 2872Philadelphia incorporated, 1789

86 : (~ t(. [killed, 18816Z Q : 9 . Czar of Russia

Andrew Jackson b., 1797I 5 th. Maine admitted, '20c

James Madison born, 1781

6 d'. St. PatrickCalhoun born, 1782 [1689d gr. hel. lat S. La Salle killed,C enters T. Spring beginsBotany Bay settled, 2787

C5 6 (. Goethe died, 83223rd. Good Friday

( in apogeeEaster Sunday9 stationary. 6 910 iVera Cruz captured, 1847913. General Thomas died,' 7cTruce of Antwerp, z609.

( Crimean War ends, 1856L 3yst, # gr. lat. S. ['5f

Sun Sun Moon

rises sets risesH. M. H. M. H. M.6 36 5 50 0 24635551 1206 33 5 52 2 13

6 32 5 53 3 2,6 30.5 54 3 466 28 5 56 4 276 27 5 57 5 56 25558 5 426 23 5 59 sets6 21 6 0 8 146196 I 9306 i86 310426 16 6 4 11 496 15 6 5 morn6 13 6 6 0 506 1I 6 7 I 446 96 9 2 306 8 6 10 3 o6 6 6 II 3 456 46 12 4 176 2 6 13 4 456 I 6 14 5 II5 59 6 15 rises5 57 6 I6 7 275 55 6 18 8 245 54 6 19 9 215 52 6 20 0 185 5 6 21I II 135 48 6 22 morn547623 0 55 45 6 24 0 54

Of N. York City; Phi.ladelphia, State of NJersey, Conn.; Penn.Maryland, Dela., Vir-ginia and N.Carolina

Sun Sun Moonrises sets rises

H. M.6 356 336 316 306 286 276 256 246 226 216 196 176 156 146 126 II6 96 8-6 66 46 2'6. 15 595 565 54

H. M.5 515 525 535 545 555 575 585 596 o6 16 26 36 4666 6

6 76 86 to6 to6 126 136 146 156 i6!6 176 186 196 206 216 226 23

H. M.0 20I 152 82 583 424 245 35 41sets8 129 27

To 38II 45morn

0 45I 392 263 63 42

4 154 445 II

rises

7 258 219 18

10 14

II 9morn

0o 0

0

LATITUDES TON Of Boston; New.Eng.23 A. land States, State o23 A. N. York, LowerMich.23A igan, North. Illinois57 A: Wisconsin and Iowa.i A.

-I• |!

THE A'TNA LIFE ALMANAC. 11

'If you would have your business done, go; if not, send.'And again,

' He that by the plow would thrive,Himself must either hold or drive.'

And again, 'The eye of the master will do more work thanboth his hands:' and again, 'Want of care does us moredamage than want of knowledge:' and again, 'Not to over-see workmen is to leave them your purse open.' Trustingtoo much to others' care is the ruin of many; for, as theAlmanac says, 'In the affairs of the world, men are savednot by faith, but by the want of it; but a man's own care isprofitable; for,' saith poor Dick, 'Learning is to the studi-ous, and riches to the careful, as well as power to thebold, and heaven to the virtuous.' And further, 'If youwould have a faithful servant, and one that you like, serveyourself.' And again, he adviseth to circumspection andcare, even in the smallest matters, because sometimes 'Alittle neglect may breed great mischief; ' adding, 'For wantof a nail the shoe was lost; for want of a shoe the horse waslost; and for want of a horse the rider was lost;' being over-taken and slain by the enemy, all for want of care about ahorse-shoe nail."' So much for industry, my friends, and attention to

one's own business; but to these we must add frugality, ifwe would make our industry more certainly successful. Aman may, if he knows not how to save as he gets, 'keephis nose all his life to the grindstone, and die not worth agroat at last.' ' A fat kitchen makes a lean will,' as poorRichard says; and,

'Many estates are spent in the getting;Since women for tea forsook spinning and knitting,And men for punch forsook hewing and splitting.'

' If you would be wealthy (says he in another Almanac),think of saving as well as of getting: the Indies have not

If you have decided to take a policy of in-surance upon your life, select a Company, likethe }Etna Life, which pays its claims promptly,and is abundantly able to meet all its obliga-tions as they mature. The cheapest and best.

. .... . . lr,-, -o JBOSTON. NEW YORK. WASH'TON.

D. H.M. H.M. T. M.-. 7 8 52M. 8 40oM. 8 28M.

F. Q. 14 4 5M. 3 53 M. 3 41 M.F. M. 22 6 43 M. 6 31 M. 6 19M.

L. Q. 30 2 19 M. 2 7 M. I 5 5 M.

: : Historical Events.1 S Bismarck born, 18132 M U. S. Mint establ., 17923 Tu Washington Irving born, 17814 W 6 # a. Pres. Harrison d., '415 Th 6 cf (. Charles XI. died, 16976 Fr 6 (3 (. Battle of Shiloh,7 Sa 7th. ( in perigee [x8628 S Patti born, 18439 M 6vtQ: 6h Q: (4tOt Tu 6 ?A,. Gen. Lee cap., 1865

II W d' l(. Ft. Sumterbomb., z86x12 Th Henry Clay born, 177713 Fr 3 d' in perihelion14 Sa x4 th. Lincoln murdered,15 S Cassini died, z758 [1865[6M 6 0 . Buffon died, 178817 TUL B. Franklin died, 1790t8W (6. Liebig died, 187 3[9 T h g. Beaconsfield died, i88120 Fr ( in apogee. Nap. III. b., 18o821 Sa Battle of San Jacinto, 184622S w-- 22d. Kantborn, 271423 M ( Q. Shakespeare b., 156424 Tu # in perih. Cromwell b., 259925 W Land Office established, 18x1226 Th Pres. Grant born, 182227 Fr 6 (ty. Girardin died, 18828 Sa James Monroe born, 275829 S Parson Brownlow d., 77

o30 M 3oth. Ohio adm. 18o2... . .... .... ..... ,......., .., ° .... .. . ,

LATITUDEOf Boston; New Eng-land States, State ofN. York, Lower Mich-igan, Northern Illinois,Wisconsin and Iowa.

Sun Sun Moonrises sets rises

H. M. H. M. H. M1.5 43 6 25 I 39.5 41 6 26 2 205406 27 258

5 38 6 29 3 345 36 6 30 4 95 34 6 31 4 455 33 6 32 sets5 31 6 33 8 175 30 6 34 9 305 28 6 36 Io 365 26 6 37 11 355 24 6 38 morn5 23 6 39 o 265 21 6 40 I 95 20 6 41 I 465 186 42 2 185 16 6 43 2 475 15 6 44 3 '155 13 6 45 3 425 12 6 47 4 95 10648 4365 8 6 49 rises5 76 50 8 125 5 6 51 9 85 4 6 52 I0 I5 2 6 53 o10505 1 6 54 11 365 o6 56 morn4596 57 o 84 57 6 58 o 56

CA)0

LATITUDEOf N. York City; Phi-lade!phia, State of N.Jersey, Conn., Penn.,Maryland, Dela., Vir-ginia and N. Carolina.

Sun Sun Moonrises sets rises

H. M. H. M. H. A.5 44 6 24 I 35543 6 25 2 17

541 6 26 2 555 39 6 27 3 325 38 6 28 4 95 36 6 29 4 465 35 6 31 sets

5 336

32 8 145 31 6 33 9 265 29 6 34 o10 325 28 6 35 II 305 26 6 36 morn5 25 6 37 o 225 23 6 38 1 55 22 6 39 I 435 20 6 40 2 16

5 19 6 41 246

5 17 6 42 3 145 16 6 43 3 425 14 6 44 4 o105 136 45 4 385 11 6 46 rises5 Io6 47 8 85 8 6 48 9 45 7649 9 565 56 5010 46

5 46 5t 111 32

5 3 6 52 morn5 2 6 53 o 14

5 06 54 053,. . .. . ........

TIlE AJETNA LIFE ALMANA. C.

made Spain rich, because her outgoes are greater than herincomes.'

"Away, then, with your expensive follies, and you willnot lhave much cause to complain of hard times, heavytaxes, and chargeable families; for, as poor Dick says,

'Women and wine, game and deceit,Make the wealth small and the want great.'

And, further, 'What maintains one vice would bring uptwo children.' You may think, perhaps, that a little tea, ora little punch now and then, diet a little more costly, clothesa little finer, and a little entertainment now and then, can beno great matter; but remember what poor Richard says-'Many a little makes a mickle:' and, farther, 'Beware oflittle expenses; a small leak will sink a great ship: ' andagain, 'Who dainties love shall beggars prove;' and, more-over, 'Fools make feasts, and wise men eat them.'

"Here you are all got together at this sale of fineries andnick-nacks. You call them goods,; but if you do not takecare, they prove evils to some of you. You expect they willbe sold cheap, and perhaps they may for less than they cost;but if. you have no occasion for them, they must be dear toyou. Remember what poor Richard says-' Buy what thouhast no need of, and ere long thou shalt sell thy necessaries.'And again, 'At a great pennyworth pause a while.' Hemeans, that perhaps the cheapness is apparent only, or notreal, or the bargain, by straitening thee in thy business,may do thee more harm than good. For in another placehe says, 'Many have been ruined by buying good penny-worths.' Again, as poor Richard says, ' It is foolish to layout money in a purchase of repentance;' and yet this follyis practiced every day at auctions, for want of minding theAlmanac. 'Wise men (as poor Dick says) learn by others'harms, fools scarcely by their own; but Felix quem faciunt

Economy and successful management willas surely bring success in Life Insurance asin any other business enterprise. It is thesecret of the wonderful growth and prosperityof the AEtna Life Insurance Company of Hart-ford, Conn. Assets, over $27,000,000.

13

MAY.*~~coI

/ - e

MOON'S PHASES. LATITUDE LATITUDEBOSTON. NEW YORK. WASH'TON Of Boston; New Eng- Of N. York City; Phi-

D.H. M. H.i. H. f.N. M 6 5 z4 A. 5 :2A. 4 50 A. land States, State of ladelphia, State of N.F. Q. 13 6 zo A. 5 58 A. 5 46 A. N. York, Lower Mich- Jersey, Conn., Penn.,F. M. 2z o 27 A. zo 15 A. 1o 3 A. igan, Northern Illinois, Maryland, Dela., Vir-L. Q. 29 9 39 31. 9 27 M. 9 5 M. Wisconsin and Iowa. ginia and N. Carolina.

: Historical Sun Sun Moon Sun Sun MonD. r. Historical. Events, rises sets rises rises sets rises

H. M. H. M. H. M. H. M. H. M. H. f.I Tu 6 It: 9 in'aphelion. 4 .56 6 59 I 32 4 59 6 55 I 302 W Battle of Chancellorsville, x863 4 54 7 0 2 6 4 58 6 57 2 53 Th Ascension Day 4 53 7 I 2 39 4 57 6 58 2 394Fr da : dd' (: 0 gr.hel. lat, N. 4 51 7. 2 3 13 4 55 6 59 3 145 Sa Q in perigee. Napoleon I.d.'2x 4 50 7 3 3 52 4 54 7 0 3 546S 6th. 6Wt.: Zl. 4 49 7 4 sets 4 537 1 sets7 M 6S2~ . S.P. Chased.' 7 3 4 48 7 6 8 15 4 52 7 2 8 I8 Tu 6d (. Battle of PaloAlto, '46 4 46 7 7 9 20 4 50 7 3 9 159W d ..O:64Q. 4 45 7 8 zo 16 4 497 4 0o 12to Th 6 9 '. Rebellion War ends,'65 4 44 7 9 II 4 4 48 7 5 I 0rI Fr Earthquake inLimna, z746 4 43 7 0o II 44 4 47 7 6 II 4112 Sa Battle of Spotsylvania,'64 [1607 4 42 7 II morn 4 467 7 morn[3 S 13th. Jamestown settled, 4 41 7 02 0 18 4 457 8 0 1514 M . gr. elong. E. 2s1 55' 4 407 13 o 49 4 447 9 0 4715 Tu 6 Q(I. O'Connelldied, z847 4 39 7 14 I 18 4 43 7 I0 I 17[6 W W. H. Seward born, z8o0s [875 4 38 7 15 I 45 4 42 7 I 1 4517 Th ( inapogee. Breckenridge died, 4 37 7 16 2 12 4 41 7 12 2 I318 Fr '.. Matamoras taken, 1846 4 36 7 07 2 39 4 40 7 13 2 4119 Sa Hawthorne died, 2864 4 35 7 18 3 8 4 40 7 13 3 II20S S 6h1 : O 9. 4 347 19 3 40 4 39 7 14 3 432I M 21st. Columbusd., 5o6 433 7 20 4 16 4 387 15 4 2022 T'u Irish Revolt, 1798 4 32 7 2I rises 4 37 7 16 rises

23 W 6 4/Il. Paris burned, 1871 4 31 7 22 8 48 4 36 7 07 8 4324 Th Corpus Christi 4 30 7 23 9 37 4 357 18 9 3325 Fr Battle of Winchester, 1862 4 30 7 24 I0 20 4 357 19 I0o 1626Sa 0 stationary 4 29 7 25 10 58 4 34 7 20 0 5527 S 6 stat. Battle ofFt. Erie, 1813 4 29 7 26 II 33 4 347 20 II 3128 M Z3. N. Websterd., '43 4 28 7 27 morn 4 33 7 21 morn:19Tu I' 9th. Rhode Island adm., 4 27 7 27 0 7 4 33 7 22 o 630 NV Decoration Day [279o 4 27 7 28 0 40 4 32 7 23 O 4031 Th Battle of Seven Pines, 1862 4 26 7 29 I 12 4 32 7 24 I 13

THE A.ITNA LIFE ALMANA C.

aliena pericula cautum.' Many people, for the sake offinery on the back, have gone with a hungry belly, and halfstarved their families: 'Silk and satins, scarlet and velvets(as poor Richard says), put out the kitchen fire.' These arenot the necessaries of life; they can scarcely be called theconveniences; and yet, only because they look pretty, howmany want to have them! . The artificial wants of mankindthus become more numerous than the natural; and, as poorDick says, 'For one poor person there are a hundred indi-gent.' By these and other extravagances, the genteel are re-duced to poverty, and forced to borrow of those whom theyformerly despised, but who, through industry and frugality,have maintained their standing; in which case it appearsplainly, ' A plowman on his legs is higher than a gentlemanon his knees,' as poor Richard says. Perhaps they havehad a small estate left them which they knew not the get-ting of; they think 'It is day, and will never be night; thata little to be spent out of so much is not worth minding.'' A child and a fool (as poor Richard says) imagine twentyshillings and twenty years can never be spent; but alwaystaking out of the meal-tub, and never putting in, soon

comes to the bottom:' then, as poor Dick says, 'When the

well is dry, they know the worth of water.' But this theymight have known before, if they had taken his advice: 'ifyou would know the value.of money, go and try to borrowsome; for he that goes a-borrowing goes a-sorrowing, and,indeed, so does he that lends to such people when he goesto get it again.' Poor Dick further advises, and says,

'Fond pride of dress is sure a very curse:Ere fancy you consult, consult your purse.'

"And again, ' Pride is as loud a beggar as Want, and agreat deal more saucy.' When you have bought one finething, .you must buy ten more, that your appearance may beall of a piece; but poor Dick says, ' It is easier to suppress

If you would secure your family against pos-sible want in event of your death, purchase apolicy in the JEtna Life Insurance Company.Its rates are low; .its policies are liberal; itsmanagement is conservative and successfuL Itgives insurance at actual cost.

15

BOSTON. NEW YORK. WASH TON Of Boston New Eng- Of N. York City; Phi-N. M . . 2. . 1 . M. land States, State of ladelphia, State of N.

F. Q. 2 I9 57 M. 9 45 M. M N1. NYork, Lower Mich- Jersey, Conn., Penn.,

F. M. 20 1 4 M. 35 M. 1 23 M. igan, North. Illinois, Maryland, Dela., Vir-L. Q. 27 2 54 A. 2 42 A. 2 30 A. Wisconsin and Iowa. ginia and N.Carolina.

D. D. H Sun Sun Moon Sun Sun MoonD. w. Historical Events, rises sets rises rises sets rises

H. M. H. M. H. M. H. M. H. M. H. I!.I Fr Gen. Shields died, 1878 4 26 7 30 I 47 4 31 7 24 I 492 Sa dd : d 9 (: ( in perigee 4 25 7 30 2 26 4 30 7 25 2 293 S dtd(V. S.A.Douglasdied,'6i 4 25 7 31 3 9 4 30 7 26 3 134 M di (. TelegraphinChina,'71 4 24 7 32 3 56 4 30 7 27 4 o5 Tu 5th. Gen. Lee died, '70 4 24 7 33 sets 4 29 7 27 sets6 W Memphis surrendered,'62 4 24 7 33 8 53 4 29 7 28 8 497 Th h in aphelion: d~O inferior. 4 23 7 34 9 37 4 29 7 28 9 338Fr dtP. Gen.Jacksondied,'45 4 237 35 1zo 16 4 297 29 IO 139 Sa 0O 6 0. Chas. Dickens d.,'70 4 23 7 35 10 50 4 28 7 30 lo 48OS Dutch land at New York, 1667 4 22 7 36 II 20 4 28 7 30 II 19

IIM New Orleans inundated, 1871 4 22 7 36 II 48 4 28 7 31 11 482 Tu 12th. New York incorpor. 4 22 7 37 morn 4 28 7 31 morn

13-W Gen. Scott b., 1786. [1665. 4 22 7 37 o0 15 4 28 7 32 o0 1614 Th 4inapogee. Amer.Flagadopt., 4 22 7 38 0 42 4 28 7 32 O 4315 Fr Pres. Polk died, 1849 [1777 4 22 7 38 I Io 4 28 7 32 I 12

6 Sa Pius IX. elected Pope, 1846 4 22 7 38 I 41 4 28 7 33 I 4417S Battle of Bunker Hill, 1775 4 22 7 39 2 16 4 28 7 33 2 20

i8 M Battle of Waterloo, 8s 5 4 22 7 39 2 55 4 28 7 33 2 5919Tu * d09: stationary 4 23 7 39 3 40 4 28 7 34 3 4420 W J 20th. 4 23 7 40 rises 4 28 7 34 rises21 Th 0 enters '. Summer begins 4 23 7 40 8 18 4 29 7 34 8 1422 Fr Napoleon's second abdication, 4 23 7 40 8 58 4 29 7 34 8 5523 Sa Battle of Solferino, 1859 [1815 4 23 7 40 9 36 4 29 7 35 9 3324S St. John Baptist 4 24 7 40 IO II 4 29 7 35 10 9

25 M Defeat of Custer, x876 4 24 7 40 o10 44 4 30 7 35 10 4326 Tud dr . Pizarro d., 1542 4 24 7 40 I1I 15 4 30 7 36 II 1527 W 27th. (gr.he l . lat. S. 425 7 40 11 47 4 30 7 36 11 4828 Th Queen Victqria crowned, 1838 4 25 7 40 morn 4 31 7 37 morn29 Fr Henry Clay died, 1850 4 25 7 40 0 23 4 31 7 37 0 2530 Sa d Q: Q in perigee 4 26 7 40 I 3 4 32 7 37 I 6

TIHE A TNA LIFE ALMANA C.

the first desire than to satisfy all that follow it.' And it is astruly folly for the poor to ape the rich, as the frog to swellin order to equal the ox.

' Vessels large may venture more,But little boats should keep near shore.'

"'Tis, however, a folly soon punished; for 'Pride thatdines on vanity sups on contempt,' as poor Richard says.And in another place, 'Pride breakfasted With Plenty,dined with Poverty, and supped with Infamy.' And, afterall, of what use is this pride of appearance, for which somuch is risked, so much is suffered? It cannot promotehealth, or ease pain; it makes no increase of merit in theperson; it hastens misfortune.

'What is a butterfly? At bestHie's but a caterpillar drest;The gaudyr fop's his picture just '-

as poor Richard says."But what madness must it be to run in debt for these

superfluities I We are offered, by the terms of this sale, sixmonths' credit, and that perhaps has induced some of us toattend it, because we cannot spare the ready money, andhope now to be fine without it. But, ah! think what youdo when you run in debt. You give to another power overyour liberty. If you cannot pay at the time, you will beashamed to see your creditor; you will be in fear when youspeak to him; you will make poor, pitiful, sneaking ex-cuses, and by degrees come to lose your veracity, and sinkinto base, downright lying; for, as poor Richard says, 'Thesecond vice is lying; the first is running in debt.' Andagain, to the same purpose, ' Lying rides upon debt's back;'whereas, a freeborn Englishman ought not to be ashamednor afraid to speak to any man, living. But poverty oftendeprives a man of all spirit and virtue. 'It is hard for anempty bag to stand upright,' as poor Richard truly says.

Do not wait till the whistle of the financialstorm signals neglected duty. Remember:" The day of the storm is not the time tothatch the roof." Secure for your loved ones'a policy of insurance upon your life in theAEtna. Do it now.

17

-8 JULY. :1+-

BOSTON. NEW YORK. WASH'TOND. H.M. H. M. . M

N. M. 4 10 19A. so7 M. 9 55 MF. Q. 3 5 M. 2 3 M. 2 4MF. M. 19 10 47 A. 1o 3 5A. 10 23 ML. Q. 26 7 29A. 7 1 7 A. 7 5 A.

. . Historical Events.

I S Battle of Gettysburgh, 18632M # gr. elong. W. 20 39 ': 6963Tu (in apogee; d 94 W 4th. Independence Day5 Th Jerusalem taken, 1 Ioo6 Fr Daguerre died, 18517 Sa R. B. Sheridan died, 1816 [175E8 S (6 9. Battle of Ticonderoga,9 M 6 aQ. Crimean War ended,'5s'0 Tu Mexico an Empire, 1863II W I J. Quincy Adams b., 76;12Th 12th. ( in apogee

13 Fr ( a. Revolut. in England, 168F[4 Sa Revolution in France, 178915 S Cyclone in New Ulm, 188r[6 M . Great Rail Road Strike.17 Tu Dr. Isaac Watts born, 1674 ['7;18 W * Dean Stanley died, 88119 Th K4 1gth. Bat. ofWinchester,20zo Fr 6 '4. Lord Derby b., 1826 ['6Q21 Sa Rob. Burns died, 1796-22 S Battle of Atlanta, 186423 M Emmett's Insurrection, 180324 Tu Battle of Niagara, 175925 W Judge Clifford died, 188s26 Th '. 26th. R. Fulton b., 176,

27 Fr 6 t] Q. Atlantic Cable laid,'6(28 Sa Robespierre executed, 179429S 6.6 : d (: O d 0 sup.30 M Charles X. left Paris, x83031 Tu gr. hel. lat. N.

IL -

LATITUDEOf Boston ; New Eng-

land States, State ofN. York, Lower Mich-

' igan, North. Illinois,Wisconsin and Iowa.

Sun

rises

H. M.4 264 27

4 274 284 294 294 304 304 314 32

4 334 334 344 354 364 364 374 384 .394 4o0

4 414 424 434 444 454 464 474 484 494 504 51

Sun

sets

H. M.7 407. 407 4o07 407 407 40

7 397 397 387 387 387 377 377367: 35V 357 347 347 337 327 317 307 297 297 287 277 267 257 247 237 21

M~oonrises

H. H.I 48

2 39

3 36sets8 128 489 20

9 49IO 1610 43.II 12II 42morn

o 14.0 51

I 332 21

3 154 15rises8 138 46

9 199 53

1o 27II 4II 46

morn

0 33I 272 26

LATITUDEOf N. York City; Phi-ladelphia, State of NJersey, Conn., Penn.Maryland, Dela., Vir-ginia and N.CarolinaSun Sun Moosrises sets rises

H. M. H. M. H. A.4 32 7 35 1 524 33 7 35 2 434 33 7 34 3 414 34 7 34 sets4 34 7 34 8 94 357 34 8 45436 733 9 184 37 7 33 9 484 37 7 33 Io 164 38 7 32 o10 444387 32 II 144 39 7 32 II 454 40 7 31 morn

440 7 31 o 174 41 7 30 0 55442 7 29 1374437 29 2 26

4 43 7 28 3 194 44 7 27 4 19

4 45 7 27 rises4 46 7 26 8 I1I447725 8454 48 7 24 9 194 487 23 9 544 49 7 22 o10 294 50 7 22 11 74 51 7 21 II 504 52 7 20 morn4 53 79 ,0o 374 547 i8 1324 55 7 17 2 30

i ff.

0

4z

THE AITNA LIFE ALMANAC.

What would you think of that prince, or that government,who would issue an edict, forbidding you to dress like agentleman or gentlewoman, on pain of imprisonment or ser-vitude? Would you not say that you were free, have aright to dress as you please, and that suich an edict would bea breach of your privileges, and such a government tyran-nical? And yet you are about to put yourself under thattyranny when you run in debt for such dress! Your credi-tor has authority at his pleasure to deprive you of your lib-erty, by confining you in jail for life, or by selling you fora servant, if you should not be able to pay himn: When youhave got your bargain, you may perhaps think little of pay-ment; but 'Creditors (poor Richard tells us) have bettermemories than debtors;' and in another place he says,'Creditors are a superstitious sect, great observers of setdays and times.' The day comes round before you areaware, and the demand is made before you are prepared tosatisfy it; or if you bear your debt in mind, the term whichat first seemed so long will, as it lessens, appear extremelyshort. Time will seem to have added wings to his heels aswell as at his shoulders. ' Those have a short Lent (saith

poor Richard) who owe money to be paid at Easter.' Thensince, as he says, 'The borrower is a slave to the lender,and the debtor to the creditor,' disdain the chain, preserveyour freedom, arid maintain your independence: be indus-trious and free; be frugal and free. At present, perhaps,you may think yourselves in thriving circumstances, andthat you can bear a little eixtravagance without injury; but

' For age and want save while you may,No morning sun lasts a whole day,'

as poor Richard says. Gain may be temporary and uncer-tain; but ever, while you live, expense is constant and cer-tain; and ' It is easier to build two chimneys than to keep onein fuel,' as poor Richard says. So 'Ratther go to bed sulip-perless than rise in debt.'

The JEtna Life receives annually from inter-est upon its investments enough to pay itsaccruing death-losses, and leave in the treas-ury, for the benefit of the insured, nearly ahalf million dollars. Such a. Conompany is atdesirable one to insure in.

19

BOSTON. NEW YORK. WASH'TOND.H. M. H. N. H.M.N. M. 2 8 42 A. 8 3o A. 8 8 A.

F. Q. o 8 45A. 8 33" A.821 A.. M. 8 8 o10M. 7 58 M. 7 46 M

L. Q. 5 0 48 M. o 36M. o 24 M,

. Historical Events.

SW 6 4: 6 9 . [07.2 Th d. Fire at Portland, O.3 Fr 6 (. Battle of Saar.4 Sa Iowa adm., 1846 [briicken, '7

c

5S First Atlantic Cable laid, 18s86 M 61 (. Ben Johnson died, z63'7 Tu Berzelius died, 18488 W Battle of Mackinaw, z8x4

9 Th Q in apogee. Gen. Lyon killedro Fr zoth. (Q. [186?[I Sa Thad. Stevens died, 1868[2 S A. Gallatin died, 1849[3 M dT Aldebaran

14 Tu p tV : cl. Farragut d., 187c15 W California admitted, 1850[6 Th Hull surrenders, x812[7 Fr * Ft. Sumter bomb., 1863r8 Sa x8th. Bat. of Gravelotte,19 S Guerridre captured, x812 [x87czo M Battle of Cherubusco, z847

L Tu ( in perigee22 W 9 in perihelion23 Th 0 : y. Cuvier born, 176924 Fr 24th. 6ty::6625 Sa d. (q. Herschel d., '2326 S Castelar elected President, 187327 M d (. Bat. ofLong Isl., 177E28 Tu 6( [. Brit. Slavery abolished,29W ~ O I [183330 Th Com. Semmes died, 187731 Fr 69 . 2d Bat. of Manassas,'62

LATITUDEOf Boston; New Eng-land States, State o,N. York, Lower Mich.igan, Northern Illinois,Wisconsin and Iowa.

Sun Sun Moonrises sets rises

H. M. H. M. H. M.452 7 20 3274 537 194 304 54 7 07 sets4 55 7 16 7 504 56 7 i5 8 184 57 7 14 8 464 58 7 12 9 144597 II 9435 o 7 O010 145 I7 81 0O 495 27 7 I 285 3 7 6 morn5 47 4 o 125 57 3 I 35 6 7' I 2 05- 77 o 3 25 86 58 4 85 9 6 57 rises

5 01 6 55 7 195 126 54 7 535 136 52 8 285 14 6 51 9 65 15 6 49 9 475 16 6 48 0o 335 17 6 46 11 245 18 6 44 morn.5 I96 43 o 205 20 6 41 I 205 21 6 40 2 225'226 38 3 245 23 6 36 4 26

co

d,

LATITUDEOf N. York City; Phi-ladelphia, State of N.Jersey, Conn., Penn.,Maryland, Dela., Vir-ginia and N. Carolina.

Sun Sun Moonrises sets rises

H. M. I. M. H. 30.4 56 7 16 3 314 577 15 4 334 58 7 14 sets4 597 12 7495 07 IL.8 185 07 10 8475 27 9 9 155 37 8 9455 4 7 6 0o 175 57 510 535 57 411 32

5 6 7 2 morn

5 7 7 1 o 165 87 0 2 75 9658 2 45 o 6 57 3 65 II 6 55 4 115 12 6 54 rises

5 13 653 7 195 14 6 51 7 545 15 6 50 8 305 16 6 48 9 95 17647 9 505 18 6 45 0o 375 r9 6 44 11 285 20 6 42 morn5 21 6 41 0 245 22 6 39 I 245 23 6 37 2 26

5 24 6 36 3 275 25 6 34 4 28

-lv

J

-->-a{c AUGUST. ,lam

THE .ATNA. LIFE ALIMANAO. 21

'Get what you can, and what you get hold;'Tis the stone that will turn all your lead into gold,'

as poor Richard says. And when you have got the philoso-pher's stone, surely you will no longer complain of badtimes, or the difficulty of paying taxes.

"This doctrine, my friends, is reason and wisdom; but,after all, do not depend too much upon your own industry,and frugality, and prudencethough excellent things; for theymay be blasted without the blessing of Heaven; and thereforeask that blessing humbly, and be not uncharitable to those.that at present seem to want it, but comfort and help them.Remember Job suffered, and was afterwards prosperous.

"And now, to conclude, ' Experience keeps a dear school;but fools will learn in no other, and scarce in that; for it istrue we may give advice, but we cannot give conduct,' aspoor Richard says. However, remember this, 'They thatwill not be counseled cannot be helped,' as poor Richardsays, and further, that' If you will not reason, she willsurely rap your knuckles."'"

Thus the old gentleman ended his harangue. The peopleheard it, and approved the doctrine, and immediately prac-ticed the' contrary, just as if it had been a common sermon;for the auction opened, and they began to buy extravagantly,notwithstanding all his cautions and-their own fear of taxes.I found the good man had thoroughly studied my Alma-nacs, and digested all I had dropped on those topics duringthe course of twenty-five years. The frequent mention lihemade of me must have tired every one else; but my vanitywas wonderfully,delighted with it, though I was consciousthat not a tenth part of the wisdom was my own, which heascribed to me: but rather the gleanings that I had made ofthe sense of all ages and nations. However, I resolved to bethe better for the echo of it; and though I had at first de-termined to buy stuff for a new coat, I went away, resolvedto wear my old one a little longer.

If you desire to provide for your family incase of death, and at the .same time securefor yourself a sure support in old age, applyto the }Etna Life Insurance Company for in-formation respecting its endowment policies.They are what you want.

1.

S BOSTON. NEW YORK. WASH'TON0. U. W. 55. 5. H.. h.

N.M. x 9 30M. 9g8M. 9 6M.F. Q. 9 x 54A. x 42A. '3oA.F.M. 76 4 57A. 4 45A. 4 3 3 A.L.0. s-a 8 .M. 7, g M 7 43 M.

LATITUDEOf Boston ; New Eng-

land States, State ofN. York, Lower Mich.igan, North. Illinois,Wisconsin and Iowa.

Of N. York City; Phi-ladelphia, State of N.Jersey, Conn., Penn.,Maryland, Dela., Vir-ginia and N.Carblina.

S: Historical EventD Sun Sun Moon Sun Sun MoonDI. W. is.torical Vents, rises sets sets rises sets sets

H. M. H. M. H.. . H. M. H. M. H. M1.I Sa Battle of Sedan, 1870 5 24 6 34 sets 5 26 6 32 sets

2S zst. O 2 0: d 6 < 525 6 33 6 49 5 27 6 31 6 493M 0 in aphelion: 6 5 26 6 31 7 16 5 28 6 29 7 174 Tu General Morgan killed, 1864 5 27 6 29 7 45 5 29 6 28 7 475 W (in apogee. Conf. invade Md., 5 28 6 28 8 16 5 306 27 8 196Th (gl. Warsawtaken, 183 x ['62 5 29 6 26 8 49 5 31 6 25 8 527 Fr Battle of Belmont, x861 5 3o 6 24 9 25 5 32 6 23 9 298 Sa Capture of Sebastopol, 855 5 32 6 23 10 6 5 33 6 21 10 109 S 9th. California admitted, 5 33 6 21 10o 53 5 34 6 19 o10 57

10 M Perry's victory, x8x3 [1850o 5 34 6 19 II 46 5 35 6 18 II 50I I Tu gr. elong. E. 260 49' 5 35 6 17 morn 5 366 6 mornI2 W Marshal Bliicher died, 18,9 5 36 6 16 0 45 5 37 6 15 o 4913 Th ? gr. elong. hel. lat. N. 5 37 6 14 I 48 5 386 14 1 5114 Fr Wellington died, 85s2 5 38 6 12 2 55 5 39 6 II 2 5715Sa Gen.ScotttakesCityofMexico, 5 39 6 1o 4 5 5 406 9 4 616 S ( 16th. 66 0 [=847 5 40 6 9 5 17 5 41 6 8 5 1717 M ,. TMt. Cenis Tunnel opened, 5 41 6 7 rises 5 42 6 6 rises1

8 Tu in perigee [1871 542 6 5 7 2 5 436 5 7 4

9 W 4ty. Garfield died, z881 5 43 6 3 7 45 5 446 3 7 4820 Th6 tl t: c 9O sup. 5 446 2 8 30 5 456 I 8 3421 Fr (3 2. Emmethanged, 1803 5 45 6 o 9 20 5 46 5 59 9 2422 Sa Pope Clemens XIV. died, 2774 5 47 5 58 10io 15 5 47 5 58 10 1923S 23d. Autumn begins 5 48 5 5

6II 15 5 485 56 II 19

24M ( stay.: 6dc 5 49 5 54 morn 549555 morn25 Tu 6< ). Mountmorriskilled,'8o 5 50 5 52 0 17 5 50 5 53 O0 2126 W Philadelphia taken, 1777 5 51 5 5 I 19 5 51 5 5 I 2227 Th First Railroad in England, z825 5 52 5 49 2 20 5 525 49 2 2228 'r Strassburg surrendered, x870 5 53 5 47 3 21 5 53 5 48 3 2229 Sa 6 6 . Michaelmas Day 5 54 5 45 4 20 5 545 46 4 2130 S Whitfield died, 1770 5 55 5 44 5 I8 5 55 5 44 5 I8

7-

THE .ETNA LIFE ALMA NA'. C.

Results Made Sure.The ultimate results of business ventures and speculations

are generally, if not always, contingent upon the life of theparty engaging in them. It does not matter how small orhow great.a man's enterprises are if he makes sure of resultscommensurate with his undertakings. Everything forwhich a man would labor if hlie lived is in danger of beinglost by his death, unless his family is protected by insuranceupon his life. Every human life capable of producing anincome, either by labor of the hand or the brain, has a pecu-niary value which is the legitimate property .of thosedependent upon that life-or who may be benefited by itscontinuance. Such lives are the capital and income of thepossessor, and are as much an object of insurance as that ofproperty against fire-and are more important because ofthe greater value, pecuniarily, to be replaced. The risk ofloss by fire does not naturally increase from year to year-the event feared may never occur: the chances of death arealways considerable, and increase with age-and in the endis a certainty.

If you are a speculator, by all means do not venture thesupport of your wife and the education of your children inyour investments. Provide for them a reasonable amountof life insurance in a sound company. It may prove tothem a greater blessing than you now anticipate. If youare a business man you should not risk your all-and thefuture happiness of yourself and family-upon the possi-bility or probability of your success. If you are a profes-sional or salaried man, and your loved ones are dependentupon your yearly income, you should not neglect to securefor them an amount which will provide for their necessities.If you are a mechanic or farmer, please heed our advice,and create an estate for those who are laboring so assidu-ously with you. They will bless you in after years for yourwisdom and forethought. If yoh are a single man, andhave no one dependent upon you, secure for yourself anendowment policy which will be available in cash, and willbe a sure support in old age. In short, all men, in everywalk of life, can benefit others and make themselves hap-pier by investing in a sound and reliable company like theETNA LIFE.

23

N BOSTON. NEW YORK. WASH'TI,N.M. 1 io M. 0 58M 4 6M.F. Q.9 5 35 M. 5 23 M. 5 zz M.F. M. 6 2 i M. 1 49 M. 1 3 7 M.L. Q. 22 6 34A. 6 22 A. 6 zo A.N.M. 30o 7 x 3 A. 7 A. 6 4 9 A.

LATITUDEOf Boston; New Eng-

land States, State ofN, York, Lower Mich.igan, North. Illinois,Wisconsin and lowa.

LATITUDEOf N. York City; Phi-

ladelphia, State of N.Jersey, Conn., Perin.,Maryland, Dela., Vir-ginia and N.Carolina.

B. Sun sin Moon Sun Son MoonS Historial rises sets sets rises sets sets

H. M. H. M. H. M. H. M. H. M. H. M.x M Ist. d ? . 6 .- 5 56 542 sets 5 565 42 sets2 Tu Maj. Andrehang'd, x7 8o. 5 57 5 40 6 17 5 57 5 41 6 193 W Jewish New Year, 5644. 5 58 5 38 6 49 558 5 39 6 524 Th 6 iO inf. Battle of Corinth, 60 5 37 7 25 559 5 38 7 295 Fr Tecumseh killed, 1813. [1862. 6 1I 5 35 8 4 6 0 5 36 8 86 Sa Jenny Lind born, 182o. 6 2 5 34 8 48 6 1 5 35 8 527S Wm. Penn landed, 2662. 6 3 5 32 9 38 6 2 5 33 9 428 M Battle of Perryville, 1862. 6 4 5 30 10 33 6 3 5 31 10 379 Tu g 9th. Chicago Great Fire, 6 5 5 28 II 32 6 4 5 29 II 36

[0o W First Overland Mail, 858. [1871. 6 65 27 morn 6 5 5 28 morn[ I Th Bahamas discovered, 1492. 6 75 25 o 35 6 6 5 26 0 38[ 2 Fr (0. Gen.R.E.Leedied, 187o. 6 9 5 24 I 42 6 7 5 25 I 4413 Sa Battle of Queenstown, 1812. 6 10 5 22 2 51 6 8 5 23 2 52[4 S Battle of Jena, 18o6. 6 I1I 5 20 4 3 6 10 5 22 4 3[5 IM (T stat. Partial ( Eclipse. 6 12 5 18 5 I8 6 rI 5 20 5 17[6 Tu 126th. ( in perigee. ( 0. 6 13 5 17 rises 6 12 5 19 rises17 W #inperihelion: 6 t.t 4. 6 15 5 15 6 19 6 135 17 -6 2318 Th St. Alban's Raid, 2864. 6 16 5 14 7 io 6 14 5 16 7 14[9Fr 6 h(. Sheridan'sride, 1864. 6 175 12 8 6 6 155 14 8 10o Sa r1 up. 6 18 5 I 9 6 6 16 5 13 9 80

2I S Battle of Trafalgar, s8o5. 6 20 5 9 80 9 6 17 5 II o 8322 M 22d. gr. elong. W. 280 6 21 5 8 II 12 6 I8 5 IO II 1523 Tu 64 ([: 8 ." [22'. 6 22 5 6 morn 6.. i9 5 9 morn24 W Webster died, 1852. _ 6 23 5 5 0-14 6 20 5 7 o i625 Th Philadelphia settled, 2682. 6 24 5 3 I 15 6 22 5 6 I 1726Fr Moltkeborn, 8oo00. 6 25 5 2 2 i4 6 23 5 5 2 1527 Sa 6 (: '1 Q: gr.hel. lat.N. 6 26 5 0 3 13 6 24 5 4 3 1328 S Earthquake in Lima, 1746. 6 28 4 59 4 I1 6 25 5 2 4 8029 M W.Raleighexecut'd,1618. 6 29 4 58 5 8 6 26 5 0 5 630'1'lu '3oth. a inapogee: g. 6 304 57 6 5 6 27 4 59 6 231 V 9 . Nevada admitted, 1864. 6 32 4 55 sets 6 28 4 58 sets

THE A'TNA LIFE AL MA NA C.

The Renewable Term Plan.The renewable term plan of insurance, copyrighted by

the LETNA LIFE INSURANCE COMIPANY, upon which it com-menced the issuance of policies fourteen years since, hasbecome very pqpular. Since the year 1868, the date of thefirst policies issued upon this plan, the company has accu-mulated sufficient surplus to enable it to renew them for thesecond term of ten years without any increase of premiumover that first charged-thus affording to the insured underthat plan cheaper insurance than could have been obtainedunder any other form of policy, or in any other company.The plan requires only a minimum rate; it avoids the neces-sity of taking large premiums for the sake of paying largedividends; it gives all the advantages obtainable under moreexpensive policies. It is peculiarly adapted to those whodesire to secure the largest amount of insurance at the leastpossible cost; to those who want immediate protection, butare not ready or able to pay for endowment or other plansmore expensive, and for those who wish insurance for alimited time, or for a specific purpose. The accumulationsunder this plan of insurance are kept distinct and separate,and the insured receive the benefit of it by the applicationof the surplus at stated periods.

Growth of the ~Etna Life Insurance Company.The history of the 1Etna Life Insurance Company has

been a record of extraordinary success,-gained by enter-

prise, integrity, and good faitlh. The following exhibit ofassets shows the company's growth, and indicates the popu-larity it has attained:-Year Assets. Year. Assets.1863. ........ $310,492.04 1873 .......... $18,077,541.661864............431,236.02 1874..........19,204,787.021865... ... 881, 578.71 1875............20,657,603.561866..........2,036,823.05 1876......... ...22,092,734.321867........... 4,401,833.86 1877 .... ..... 23,357, 648.951868 ..... ....7,538,612.35 1878 ....... ..24,141,125.701869........10,350,512.22 1879............25,120,804.241870 ......... 13,089,837.30 1880...........25,636,195.411871.........15,061,529.12 1881.......... 26,403,440.681872 ......... 16,640,786.24 1882..... ..... 27,055,884.76

25

MOON'S PHASES. LATITBOSTON. NEW YORK. WASHTON Of Boston N

D. H.N. H.M. H.M.

F. Q. 7 72A. 7 8A. 6 56 A. land States,F.M. 4 1 53 .M. .4x M. 11'29vM.N.York, Lo\L.Q. 21 8 59 M. 8 4 7 M. 8 3 5 M. igan, North,N.M. 29 2 1o A. I 58 A. 46 A. Wisconsin a

D. . Sun Sun. we. Historical Events. rises sets- - H. M. H. M.

I Th 6Aldebaran. AllSaintsDay. 6 33 4 542 Fr Pres. Polk born, x795. 6 34 4 533 Sa Black Hawk died, 1838. 6 35 4 5I4 S Geo. Peabody died, 1869. 6 36 4 505 MI Kepler died, 1630. 6 38 4 496 Tu Gen. Meade died, 1872. 6 40 4 487 VAT 7th. Pensacola taken, '4. 6 41 4 478Th ' Slidell and Mason capt'd, 6 42 4 459 Fr Boston Great Fire, x872. [1861. 6 43 4 44

to Sa Martin Luther born, 1483. 6 44 4 43[ I S LucretiaMott died, i88o. 6 45 4 4212 M tp. O. Atlantaevacuat'd, z864. 6 46 4 4113 Tu ,( in perigee. 13 . 6 48 4 40

[4 W z 04th. dtV [1708. 6 49 4 3915 T dZ I.LordChathamb., 6 504 396 Fr Boston Tea Party, z773, 6 52 4 38

I7 Sa Bank of England founded, 1693. 6 53 4 37[8 S Wolsey died, 1530. [1497. 6 54 4 3619 M Cape of Good Hope doubled, 6 55 4 3520 Tu Chief Justice Cockburn died,'8o. 6 56 4 3421 W 2xst. t stationary. [1791. 6 58 4 3422 Th San Domingo massacre, 6 59 4 3323 Fr 6 6 Q. Pres. Pierce born, 1804. 7 0 4 3324 Sa France an Empire) 1852. 7 I 4 3225S 6 0 sup. Isaac Watts died, 7 3 4 3126 M Q in apogee. ( . [1748. 7 4 4 3127 Tu Stereotyping invented, 1715. 7 5 4 3128 W 8 h .Wash'tonl Irvingdied,'59 7 6 4 3029 Th 29th. H.Greeley d., 1872. 7 7 4 3030 Fr Gen. J. C. Davis d., 1879. 7 8 4 29

................................ ......

UDE I LATITUDE.New Eng- Of N. York City; Phi-State of ladelphia, State of N

ver Mich- Jersey, Conn., Penn.,Illinois, Maryland, Dela., Vir-

nd Iowa. giniaand N.Carolina

Moon Sun Sun Moonsets rises sets sets

H. 1. H. M. H. M. H. M.6 3 6304 57 6 76 46 6 30 4 56 6 507 33 6 324 55 7 378 26 6 334 53 830923 635452 927I0 23 6 364 51 Io 26II 26 6 374 50 iI 28

morn 6 38 4 49 morno 32 639448 o 33I 40 6 41 4 47 1 402 51

.. 6424 46 2 50

4 4 6434 45 4 25 19 6 444 44 5 16rises 6 45 4 43 rises5 48 6 464 43 5 526 49 6 484 42 6 53752 6 494 41 7 56857 650440 9 I0o 2 6 51 4 40 I0 5II 5 6 52 439 11 7

.morn 6 54 4 38 morno 6 6 554 38 o 7I 6 6 56 4 37 I 62 4 6 574 37 2 33 I 658437 2593 58 6 594 36 3 56455 7 0436 4525 53 7 1 4 35 5 49

Ssets 7 2 4 35 sets5 30 7 34 34 5 34

THE ETNA LIFE ALMAANAU. 27

SInterest, Death-Claims, and Expenses.A life insurance company, to be successful, must keep its

expenses low, receive a liberal rate of interest, and exerciseproper care in the selection of its risks. In these three im-portant particulars the ETNA LIFE INSURANCE COMPANYhas no superior. During the years 1877, 1878, 1879, 1880,and 1881, its receipts from interest alone considerably morethan paid its death-claims. Very few companies are able toproduce such, favorable results. The .LETNA's experience in

this respect during the past five years is as follows:-

Receipts from interest in 1877, . . $1,527,307.70Death-claims paid in 1877, . . . . 1,121,083.96Interest in excess of Death-olaims, . $406,223.74

Receipts from interest in 1878, . . $1,617,764.91Death-claims paid in 1878, .. . . 1,091,268.63Interest in excess of Death-claims, . $526,496.28

Receipts from interest in 1879, . . $1,856,710.46Death-claims paid in 1879, . . . . 1,376,527.43Interest in excess of Death-claimns, . $480,183.03

Receipts from interest in 1880, . . . $1,586,683.06Death-claims paid in 1880, . .. . 1,136,454.63Interest in excess of Death-claims, . $450,228.43

Receipts from interest in 1881, . . . $1,456,664.71

Death-claims paid in 1881, . . . . 1,231,680.36

Interest in excess of Death-claims, . $224,984.35

SIR WALTER SCOTT was not only a versatile, prolific, andinteresting writer, but lhe was a sensible business man. Heleft the legacy of his genius to all mankind, but he left tohis family, among other practical remembrances, life insur-ance in Scotch companies to the extent of one hundred thou-sand dollars.

ONE grain of iodine will impart color to seven thousandtimes its weight of water. One companion, one habit, onebook may affect the whole of life and character. One sub-stantial life insurance has made all the difference to manya family between penury and plenty.

~iI

+@ DECEMBER.

BOSTON. NEW YORK. WASH'TOND. H. M. H. 5f. S5. M.

F.Q. 7 7 2M. 6 5o M. 6 3 8MF. M. 23 10 44 A. zo 3 2A. 0zo 20 A.L. Q. 1 3 24 M. 3 12M. 3 oMN.M M 9 .8 6 M. 8 4 M. 7 5 2 M

EL/ 1 1 1 %J G

Of'Boston; New Eng.land States, State o1N. York, Lower Mich.igan, North. IllinoisWisconsin and Iowa,

LATITUDEOf N. York City; Phi-

ladelphia, State of NJersey, Conn., Penn.Maryland, Dela., Vir-ginia and N.Carolina

1 . Historical Events. Sun un Moon Sun Sun oonDt. w. /-sorlca[ Eventrs. sises sets sets rises sets setsH. M. H. M. H. M. H. M. H. M. H. Mr.

i Sa Q . Sumner enters enate, 7 94 29 6 21 7 44 34 6 252 S John Brown hung, 2859. [1851. 7 10 4 28 7 16 7 5 4 33 7 203 M Illinois admitted, xiS8. 7 1-1 4 28 8 15 7 6 4 33 8 184 Tu Gein. Kilpatrick died, x88i. 7 13 4 28 9 I7 7 7 4 33 9 205 W Pres. van Buren born, 1782. 7 14 4 28 10 2i 7 8 4 33 10 236 Th St. Nicholas. 7 154 28 11 27 7 9 4 33 11 287 Fr 7th. Seth Adams died, '73 7 16 4 28 morn 7 10 4 33 morn8Sa FatherMatthewdied, 1857. 7 174 28 0 34 7 11 4 33 o0 349 S Milton born, i6o8. [186s. 7 174 28 -1 44 7 12 4 33 I 43[OM John A. Dix Sec'y of Treasury, 7 18 4 28 2 56 7 134 33 2 54[I Tu 6t..a. Indiana admitted, 1816. 7 19 4 28 4 8 7 14 4 33 4 5[2W ?inaphel.: T: (inperigee 7 204 28 5 19 7 15 4 33 5 1313 Th l x3th. Bat. Fredericksb'g, 7 21 4 28 629 7 15 4 33 6 25[4 Fr Washington d., 1799.['62. 7 22 4 28 rises 7 16 4 34 rises

15 Sa Gen. Wayne died, 1796. 7 224 29 6 35 7 17 4 34 6 39[6S d ; )sup. Virginius sur.,'73. 7 23 4 29 7 42 7 18 4 34 7 4517 M Bolivar died, 183o. 7 244 29 8 49 7 18 4 34 8 5118 Tu 6d '. H. Davy born, 1778. 7 25 4 29 9 53 7 19 4 35 9 5419 W Battle of Niagara, 1813. 7 25 4 30 o10 54 7 204 35 o10 5520 Th 0 6): #gr. hel.lat. S. 7 264 30 11 54 7 20 4 36 II 542I Fr 2xst. Winter begins. 7 26 4 31 morn 7 21 4 36 morn

22 Sa c stat. Puritans landed, 1620. 7 27 4 31 o 53 7 21 4 37 0 5223S Newton born, 1642. [2869. 7 27 4 32 I 5I 7 22 4 37 I 4924 M Q inapogee. E.M. Stanton d., 7 27 4 32 2 47 7 22 4 38 2 4425 Tu Christmas Day. 7 284 33 3 43 7 22 4 38 3 4026 W Texas admitted, 1845. 7 28 4 34 4 39 7 23 4 39 4 3527 Th St. John, Evang. 7 29 4 34 5 33 7 23 4 40 5 2928 Fr Tay Bridge disaster, 1879. 7 29 4 35 6 23 7 24 4 40 6 1929 Sa agth. Freg. Java taken, 7 29 4 36 sets 7 24 4 41 sets30 S Bat. of Savannah, x778. [1812. 7 29 4 36 6 8 7 24 4 42 6 1231 M 6d 9(. WestVirginiaadm.,'62. 7 304 37 7 II 7 24-4 42 7 14

THIE AETYA LIFE ALMA IYA C 29

30 THE A'TNA LIFE A LMANA C.

What Life Insurance Is and Does.From the Commercial Bulletin, New York.

"A French writer has remarked that the two principles-

association and insurance-are the levers which are able to

move the world; and, in a sense by no means lacking its

serious phase, life insurance may be defined to- be an indis-

pensable element of earthly happiness. There is no condi-

tion of life which it cannot ameliorate; no danger whose

consequences it cannot lessen; no sentiment of affection

which it cannot strengthen. If, of all contingencies, death

is the most terrible and the most inevitable, the wise man

should always find room in his mind for the thought that

death may, by a sudden stroke, surprise him amid his most

cherished projects, and snatch him, perhaps without a

moment for farewells, from his family and friends. Now,

life insuratice will not hinder any one from dying; but it has

proved itself abundantly able to diminish the sad conse-

quences of that inevitable event called death. There are

times when no one can count upon a permanent possession

of anything. Life is full of vicissitudes, whereby the

wealthiest men are, as in a moment, brought face to face

with poverty and ruin. Your own thoughtlessness or

extravagance; the betrayal by others of your confidence;

swift-coming and unheralded monetary revulsions; social

or national calamities; the thousand and one accidents and

happenings which go to make up the vast variety of human

existence and experience-all these or any of them may,

within the .period of the next few years,. cast the dark

shadow of disaster upon you, and compel you to grope your

way toward the pauper's grave. This has been the hapless

fate of thousands who have thus been forced from envied

heights to take the plunge into misery's depths. Why

should you be, more than they, exempt? An antidote to

the possibility of such a sad experience is supplied by life

insurance, which, in one of its many forms, offers to guar-

antee the payment, to yourself, ten, twenty, thirty years

hence, of a fixed sum, which shall relieve your latter days

THE -ETNA LIFE ALIMANA C. 31

from all fear of poverty, or, in case of your death in theinterval, the same sum will reach whomsoever you maydesignate.

"By means of life insurance, daughters may be dowered;sons established in business; widows continued in comfortand assured the social respect which competency commands;debts may be provided for during life and paid at death.Insurance renders all this easy and offers it at a cheap rate.It never exacts but one condition, and that not from all.This condition is a disposition toward economy. Economyis the beginning of all wisdom, of all wealth, of all moral-ity; just as its opposite hastens the finale of all these. Theexercising of but a little economy, the discounting of use-less habits, the lopping off of some foolish luxury, wouldsuffice to place you securely under the protection of insur-ance and redeem from the possible enslavements of povertythe. family whose future inspires you with your chief anxie-ties and alarms.

"As life insurance has progressed in popularity, its influ-ence has affected for good the national character, by bring-ing more than half a million of our citizens, most of themheads of families, into that condition of contentment andconfidence which an assured future for their loved onesnaturally induces. Many a man may now be met with,who, if this subject is broached, may say: 'But for insur-anoe, I had been dead long ago. Borne down with care anduncertainty respecting my loved ones; seeing my sons anddaughters grow up, with no outlook for comfort and sup-port after my death; and contemplating my wife a pennilessand friendless widow, as soon as disease or death had seizedupon me, on whom they all depend; my life seemed a burdentoo heavy to endure. Insurance has brightened that life, hasfilled me with the contentment of security, and has thus keptdisease at bay. I walk erect and confident through life,because I know that, when life ends with me, my familywill be placed beyond the reach of want. If, on the otherhand, I live to a certain age-which of course, is not a disa-greeable idea-I shall receive a sum of money wherewith toretire from the exertions and hazards of active business life.'"

17

32 THlE .zETNA LIFE ALMA NA U.

Care of the Sick.SUGGESTIONS TO NURSES.

A good nurse will give special attention to the cleanlinessof the sick-room. What a person in health could enduremight hasten to a fatal end the sick one. If sick people arepermitted to remain unwashed, or their clothing to be wornafter it is saturated with perspiration, or other excretions,its effect is injurious. Cleanliness of skin and ventilationhave much the same end in view-the removal of noxiousmaterials from the system.

The sick-chamber should be the room of the house whichadmits of the most sunshine. If a piece of blue sky can beseen by the patient, so mLuch the better. Southern exposuresare most desirable. It is stated that not only do fewer per-sons die in the southerly exposed sides of hospitals, but sickpeople get well faster than those on the northern exposure.

Patients should not be disturbed by unusual noises. Asharp and sudden noise usually gives more distress thanother kinds. Anything which suddenly awakens a sickperson will throw him into excitement, and do him moreharm than any continuous sound, however loud it may be.When a patient sleeps, do not let him be awakened, unlessdirected by the physician. Sleep, if undisturbed, strength-ens the brain, and aids in the recovery of the sick one.

A good nurse should have keen perception, and be alwaysready to supply all the patient's needs. She should be ableto talk intelligently of something besides the agonies of herlast case, and judge wisely when the patient must be keptquiet. If a sick person is convalescent, a visit from a friendis sometimes beneficial. The nurse should be able, by ob-servation, to judge whether or not the effect of a visit fromthe person desiring admission to the sick-room would beinjurious. She should prevent, if possible, the discussionof worrying household troubles in the sick-room, and, with-out giving offense, get rid of a visitor who staid too long.

A pleasant face in a sick-room dispels the fears of a sickperson to a remarkable degree. Remember always that acheerful face "doeth good like a medicine." It is particu-larly advisable that the physician should be consulted as tothe patient's diet. His directions respecting the medicinesprescribed should be strictly folloWved, and if the nurse un-derstands the effect he expects to produce, she will be betterable to observe and report any unfavorable symptoms.

THE AiTNA LIFE AL MA A C..

What to do in an Emergency.Wounds. - Close a wound quickly, and apply adhesive

plaster; if it bleeds too freely, apply a compress over it withbandage; if this fails, tie a bandage tight around the limbabove the wound.

Fainting. - Place the patient on the back with the headlower than thle body, if convenient. Give plenty of air byfanning; dash cold water in the face; smell of hartshornor camphor. Give ammonia or spirits.

Ruptures. - As soon as a rupture is discovered liedown and elevate the hips above the level of the body;apply cloths wrung out of hot water, and send for a physi-cian. Don't fail to procure and cohstantly wear, a well-fitting truss. A slight rupture is usually more dangerousthan a large one.

Poison. - If poison of any kind has been taken into thestomach an emetic should be given as quickly as possible.Mustard and warm water, or salt and warm water, or ipecac,are effectual. Of the latter give sixty grains. If vomiting,drink freely of warm water or warm milk until the stomachis thoroughly washed out.

Burns. -If clothing catches fire the person should bethrown to the ground or floor and without delay rolled inthe carpet or hearth rug to stifle the flames. If no carpet orrug is at hand use your coat instead. Keep the flames fromthe face and lungs as much as possible. You can generallyaccomplish this by beginning to wrap about the neck andshoulders first.

Eyes. - If particles of cinder or dust get into the eyes,they can generally be removed by holding a knitting-needleor small stick over the upper lid close to or under the edgeof the orbit; then holding it firmly, gently turn the lid up-ward and backward over the needle or stick. If the eye-ball is moved by the sufferer the substance is revealed andcan be removed by the corner of a silk or linen handkerchief.

Drowning. - As soon as the body is recovered it shouldbe stripped of all clothing, rapidly dried, placed on a bedpreviously warmed, the head, neck, and shoulders raised alittle, friction with the dry hands used to the extremities,and heated flannels kept applied to the rest of the body.To restore breathing, place the person fiat on the face, pressgently on the back, then turn the body on its side or a littlebeyond; then turn again on the face, press again on theback, and turn again on the side. This should be doneabout sixteen times in a minute.

33

34 THE AI TNA LIFE ALMANA U.

w ell,

A

J r

1"

r ,,.

/ r /

THE ETNA LIFE ALMANA . 3

The Mtna Life Insurance Company.The 2Etna Life was chartered with the zEtna Fire Insur-

ance Company in the year 1819. It commenced operations

as a separate organization in the year 1850. At first its pro-

gress was slow. The management strove to establish for it

a reputation for conservatism and safety. Thle remarkable

growth which the Etna has experienced during the past

twenty years gives evidence of the wisdom of the early

management.The capital stock ($750,000) is pledged to the insured as a

guarantee of good faith, and for the payment of the com-

pany's obligations. Its directors and stockholders are pe-cuniarily interested in the success of the company, which is

the best possible guarantee of a careful supervision of thebusiness, and a permanent continuance. The zEtna issuespolicies upon the participating as well as upon the non-par-ticipating plan. Upon the former the profits growing out

of the business are divided annually among the policy-hold-ers; upon the latter, among the stockholders. The accumu-lations of each department are kept separate, and the ex-

penses of the company are borne by each, according to theamount of business done. By this system, the Etna'sinsured receive mahy advantages over those insured in

companies conducted upon the purely mutual plan; namely,-the additional security which the capital gives; the econ-

omy of management,-as the general expenses are dividedbetween the two departments; all the benefits of dividends,and none of the unfavorable features incident to mutual

insurance; also a guarantee of permanent success in the

careful supervision of the business which the pecuniaryinterest of the directors and stockholders will secure.

Since the organization of the 1Etna, it has received in

premiums from its patrons, $66,096,033.60. It has paid to

its policy-holders, $46,661,172.90. It has on hand, securely

invested; $27,055,884.76. Its receipts from interest have

paid all the expenses of the company, including commis-

sions, salaries, taxes, rents, etc., and leave in the hands of

the company a balance of $7,621,024.06. This is the best

possible evidence of economy and successful management.

35

386 TIHE ATNA LIFE ALAMANAU.

Health Suggestions.To have good health avoid excesses; be regular in the

time of eating, sleeping, and bathing. See that your dwell-ings, and particularly your sleeping apartments, are prop-erly ventilated; avoid exposure to the night air, also exces-sive nervous or muscular effort.

A dark house, wherever found, is always an unhealthyone, and more likely a dirty one, too. Want of light dis-courages growth, promotes scrofula, encourages consump-tion, and in fact everything which is bad. Light is secondin importance to fresh air.

Do not eat breakfast immediately after rising; the stomachis in no condition to receive food. Let the breakfast andsupper be light, reserving strong food, as meats, etc., forthe middle of the dlay. Eat slo wly, and masticate thoroughly.Drink very little fluid during meals. If taken an hour aftermeals they assist digestion.

In hot weather when a person is heated cold water shouldonly be taken is small quantities at a time. If taken inquantity prostration is likely to ensue, and if not, it lays thefoundation for other troubles. When the body is heated orexhausted a bath in cold water ought never to be taken. Asponge bath in tepid water will answer until the vigor of thebody has had time to be restored.

Casualties in the Union Army.THE official reports of the casualties in the Union armies

from the commencement of the rebellion in 1861 to its closein 1865 were as follows: Total number of men killed, 60,976;died of wounds, 35,957; died of disease, 183,464. Therewere discharged for disability, 224,306.

STATIsTIcs show that in Europe women are less prone tocommit suicide than men. Women, even under the mostwretched conditions, cling to life much more strongly thanmen. A childless widow would appear to be more deso-late in the world than a widower similarly situated; yet shebears her loneliness better - possibly from religious re-straints or from possessing a larger measure of "that hopewhich springs eternal in the human breast."

" DEATH hath so many doors to let out life that healthand constitutional vigor by no means offer absolute security,even for a brief time." -Chlampness. ,

THE ETNA LIFE ALMANA. C.

Plans of Insurance.The plan most desirable for a party insuring is the one

which meets his requirements respecting the object to beaccomplished and the expenditure necessary to obtain it.We publish below a description of the different plans uponwhich the JETNA LIFE issues policies, and request a carefulexamination of each by all interested in the subject. It isproper to add in this connection that the .ETNA's policiesare non-forfeiting by their terms-they contain a stipulationguaranteeing paid-up insurance in event of lapse.

Ordinary Life Policies secure to the beneficiariesnamed a stated amount in event of the death of the insured.Premiums are payable annually, or in quarterly or semi-annual installments. Dividends are paid annually, andapplied to the reduction of the second annual and subse-quent payments. The 2ETNA also issues non-participatinglife policies, requiring the same premium each year. Therates are very low upon this plan, and no dividends are paid.It is popular with those familiar with its merits.

Renewable Term Policies are issued by the _ETNAat very low rates-lower than upon any other plan. Thesame premiums are required for a term of ten years. At theexpiration of ten years the company will issue in exchange,without a medical re-examination, a new policy for an equalamount at the advanced age. The accumulations duringthe first term of ten years are applied to the reduction ofthe premium for the second term, with a view of keeping itat the rate originally charged. The plan has been testedwith upwards of fourteen years' experience, and in no casehas a party's premium been advanced for the second termn often years. Liberal paid-up policies are given, if desired, orif preferred cash values are paid if policies are discontinuedas per conditions thereof.

Endowment Policies are issued by the 'ETNA LIFEupon very favorable rates-lower than those of competingcompanies. They provide for the payment of the suminsured in event of the death of the party, or if hlie survivesthe stated term-which may be ten, fifteen, twenty, or moreyears-to him,or whoever is designated as the party to receive

37

38 TIlE AETNA LIFE ALMANAC.

it. Cash dividends are paid at the end of the first year andannually thereafter. These policies not only make a sureprovision for the family in case of the death of the insured,but also make sure of a support for the party in old age.These plans offer means for the best possible investment ofmoney. They accomplish more, by the provision for theirpayment, than any other plan possibly can.

Limited Payment Life Policies are an attractivefeature of the ETNA. Payments are limited to ten, fifteen,or twenty years. Annual dividends are paid during thelife-time of the insured. After all the required paymentsare made the dividends give to the insured an annual annu-ity-at the same time giving the best possible protection forthe family. The rates upon these plans are very favorableconsidering the advantages given.

Death-Claims and Endowments.The 2ETNA LIFE INSURANCE COMPANY of Hartford,

Conn., has paid, each year since 1863, for death losses andmatured endowments, the following:--

In 1863..........$17,136.00 In 1873........$1,664,037.041864...........81,472.28 1874.........1,392,235.351865 ......... .91,476.76 1875..........1,570,421.921866 ......... 342,306.39 1876 .......... 1, 634;300.621867 ........... 513,881.50 1877..........1,747,753.691868 .......... 855,034.22 1878 .......... 1,754,558.001869 ........ 1,005,062.79 1879.......... 2,155,713.001870........ 1,244,415.89 1880 ......... 1,907,922.681871 ....... 1,219,314.64 1881 ........... 1,955,745.621872........ 1,396,531.78

AN eminent divine, in a discourse commending life insur-ance, remarked: "A man ought to put himself down on thestrictest economy until he can meet this Christian necessity.You have no right to the luxuries of life until you havemade such provision."

A FRIEND inquires: "What in life is more beautiful thanhappy human faces?" We reply: " That which keeps theshadow from them in the day of calamity."

307 -a-M v=

40 THE -ETNA LIFE ALMANAC.

'Useful Information.An Acre contains 43,560 square feet.To Measure Grain in a Bin.-Multiply the length of the

bin in inches by the width in inches, and that by the height ininches, and divide by 2150 for struck bushels, and by 2748 for heapedbushels. The quotient will be the number of bushels contained inthe bin.

Measurement of Hay in the Mow.-Multiply the length,height, and width in yards, and divide by 15 if the hay is wellpacked; if the mow is shallow, and the hay recently placed therein,divide by 18, and by any number from 15 to 18, according as thehay is well packed.

Age of Sheep.-At one year old they have eight front teeth ofuniform size; at two years of age, two middle ones are supplantedby two large ones; at three, a small tooth appears on each side; atfour, there are six large teeth; at five, all the front teeth are large,and at six the whole begin to get large.

Measurement of Wood anid Lumber.-A cord of woodcontains 128 cubic feet. To ascertain the number of cords in a pile,multiply the length by the height, and that by the width, and dividethe product by 128 To measure Inch Boards, multiply the lengthin feet by the width in inches, and divide the product by 12. Thequotient will be the number of feet. For Lumber 11 inches thicka.dd to the quotient; for 1 inches thick, add .; for 1 inches thick,add ; if 2 inches thick, divide by 6; if 2j inches thick, add j tothe quotient, and so on. If 3 inches thick, divide by 4; if 4 inchesthick, divide by 3; if 6 inches thick, divide by 2. The result willbe the number of feet " Board Measure."

To Compute the Weight of Cattle.-Multiply the girth ininches immediately back of the shoulders by the length in inchesfrom the square of the buttock to the point of the shoulder-blade,and divide the product by 144, which will give the number of super-ficial feet If the animal has a girth from 3 to 5 feet, multiply thenumber of superficial feet by 16, which will give the weight of theanimal; if the girth is firom 5 to 7 feet, multiply by 23; if from 7 to9 feet, multiply 1by 31; if less than 3 feet girth, as in the case ofsmall calves, hogs, sheep, etc., multiply by 11. Of course manycircumstances, such as the build of the animal, mode of fatting,condition, breed. etc., will influence the weight; but the above willbe found approximately correct.

Weight of a Bushel of Produce.-The number of poundsin a bushel of the various articles of produce varies somewhat inthe different States. The majority, however, have adopted the fol-lowing:Apples (dried), ...... 28 Indian Corn, . . . . . . 56Barley, ......... 43 " " (in ear), . . . 68Buckwheat, .... ... 42 " " (meal), . . . 50Beans, .......... 60 Oats, ... ......... 32Beans (castor), .. ..46 Onions, . . . . . . . . 57Coal (mineral), . ..... ... 80 Peaches (dried), .. . .. 28Charcoal (hard-wood), . . . 30 Peas, .......... . 60Flax Seed, ..... 56 Potatoes, . ...... 60Grass Seed (blue), . . 14 Rye, . . ........ 56Grass Seed (clover), . . . 60 " (meal), . ...... 50Grass Seed (timothy), . . . 45 Salt . . . . . . . . 50Hemp Seed, . ..... 44 Wheat, . . . . . . . .60

THE A. TNA LIFE ALMANAC.

Better- than Government Bonds.

The IETNA LIFE offers superior advantages for the inves-ment of funds. Its Endowments give a larger rate of in-terest than government securities will produce.

.Etna Endowments run ten, fifteen, twenty or moreyears, and can be paid for in one, ten, fifteen or moreannual payments. They are secured by the .Etna Life'sassets of over twenty-seven millions. In event of the deathof the purchaser, further payments are not required, andthe Endowment becomes immediately due. Payments canbe discontinued without loss.

At present prices of government securities, one thousanddollars will purchase a United States bond, payable intwenty years, for $925.92. The same amount will purchasean 2Etna Endowment, payable in twenty years (and atdeath, if it occurs before), for $1,806.04. The holder of theEndowment will be entitled to annual cash dividends duringthe twenty years. Should death occur at the end of thefirst year, the .Etna Endowment would bring $830 morethan the money invested in the United States bond.

AT the age of 30, $10,000 life insurance can be purchasedin the 1ETNA by the payment of an annual premium of$146.70. This is less than is required for a policy of fireinsurance for a similar amount upon ordinary business prop-erty. Which is the most important? Consult the interestsof your family.

As the western clouds are tinged with gold, even after thesun is lost to view, so does the memory of a kind act bringjoy to the heart when its author is no more. Life insurancehas tinged more clouds with radiance and begotten moretender memories than any other invention, of man. - Stock-holder.

ONE of the greatest uncertainties of life is life itself.Careful foresight therefore suggests the wisdom of theprovision which life insurance gives. No man is abovereproach who neglects to thus guard his plans for success-ful business against the danger of his own death.

THE annual interest earnings of the life insurance com-panies of the United States is upwards of twenty millions.

41

42 THE .ETNA LIFE ALMANAU.

Time Required for Digesting Food.

FOOD. C ooked. H.M

Apples, sour, mellow, Raw,.... 2.00Apples, sour, hard,... Raw,.... 2.50Apples, swe't, mellow, Raw,.... 1.30Bass, striped ....... Broiled,. 3.00Beans, pod,......... Boiled, .. 2.30Beans and green corn, Boiled, .. 3.45Beef, ....... ....... Fried, ... 4.00Beefsteak ........... Broiled, . 3.00Beef, fresh, lean, dry,. Roasted, 3.30Beef, fresh, lean, rare, Roasted, 3.00Beets,................ Boiled,. 3.45Brains, animal,....... Boiled, .. 3.45Bread, corn,........ Baked,.. 3.15Bread, wheat, fresh,.. Baked,.. 1.30Cabbage ............. Raw, . 2.30Cabbage, with vineg'r Raw, . 2.00Cabbage, .......... Boiled,.. 4.30Carrot, orange,.......Boiled,.. 3.13Catfish, ............. Fried, ... 3.30Cheese, old, strong,.. Raw, .... 3.30Chicken, full grown,. Fricas'd, 2.45Codfish, cured dry,... Boiled, .. 2.00Custard ............ Baked,.. 2.45Duck, tame,.. . Roasted, 4.00Duck, wild .......... Roasted, 4.30Eggs, fresh,......... Raw, ... 2.00Eggs, fresh, ........ Whip'ed, 1.30Eggs, fresh, .......... Roasted, 2 15Eggs, fresh,.. .. S't boil., 3.00Eggs, fresh ......... H'd boil., 3.30Eggs, fresh,.......... Fried, ... 3.30Fowls, domestic,..... Roasted, 4.00Fowls, domestic,.... Boiled,.. 4.00Gelatine, ........ Boiled,.. 2.30Goose, wild,....... Roasted, 2.30Hashed meat & veget., Warmed, 2.30Heart, animal, ....... Fried, ... 4.00Lamb, fresh,........ Broiled,. 2.30Liver, beeve's, fresh,. Broiled.. 2.00

FooD. How IMFooD. Cooked.

Milk, .............. Boiled, .. 2.00Milk,............ Rawv .... 2.15Mutton, fresh ....... Broiled,. 3.00Mutton, fresh ...... Boiled, .3.00Mutton, fresh, ...... Roasted, 3.15Oysters, fresh....... Raw .... 2.55Oysters, fresh,....... Roasted, 3.15Oysters, fresh,.... Stewed, . 3.30Parsnips,............ Boiled, .. .30

ig, sucking......... Roasted, '.30Pigs' feet, soused,... Boiled,.. 1.00Pork steak, ....... Broiled, . 3.15Pork, fat and lean,... Roasted, 5.15Pork, recently salted,. Stewed, .3.00Pork, recently salted,. Broiled,. 3.15Pork, recently salted,. Fried, ... 4.15Pork, recently salted,. Boiled, .4 30Potatoes, Irish,..... . Roasted, 2.30Potatoes, Irish,........ Baked,.. 2.30Potatoes, Irish,....... Boiled, .. 3.30Salmon, salted .. ... Boiled, .. 4.00Sausages, fresh ...... Broiled,. 3 20Soup, barley,......... Boiled,.. 1.30Soup, bean, .......... Boiled,.. 3.00Soup, chicken ....... Boiled, .. 00Soup, mutton, ....... Boiled, .. 3.,0Soup, oyster,......... Boiled, .. 3.00Soup, beef, vegetab's, Boiled, . 4.00Soup, marrow bones,. Boiled, .. 4.15Tripe, soused,........ Boiled,.. 1.00Trout, salmon, fresh,. Boiled, .. 1 30Trout, salmon, fresh,. Fried, ... 1.30Turkey, wild ........ Roasted, 2.18Turkey, domesticat'd, Roasted, 2.30Turkey, domesticat'd, Boiled,.. 2.25Turnips, ......... .. Boiled, .. 3.30Veal, fresh ......... Boiled, .. 4.00Veal, fresh, ......... Fried, ... 4.30Venison steak,...... Broiled,. 1.35

AN old Scotch proverb says: "Put two pennies in apurse and they'll creep together." Put money in a lifeinsurance premium and it will creep together more joy,comfort, contentment, and satisfaction than you have expe-rienced for years. Having taken a policy upon your life, itshould be your motto "never surrender." It will prove a"well-spring of pleasure and a joy forever."

A FIRST CLASS investment-An _ETNA policy.

'THlE .ETNA LIFE ALMANA. C.What Life Insurance Does.

IT enables one by the best methods yet discovered to"provide for his own household."

It helps to rid the community of pauperism and its ex-penses, and the crimes incident to poverty.

It protects labor, and garners for the fireside of home theefforts of one's honest toil.

It brings relief to the sorrows of bereavement, andbrightens the otherwise desolate pathway.

It gives the permanence.of an estate or of a fortune tothose depending on their daily