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WEBSTER'S

UNABRIDGED

CALIGRAPH

GREATEST SPEED!

ANCIENT EDITION. BEST FOR MANIFOLDING.

A so-called "Webster's Unabridged Dictionary" is being offered to the public at a very low price. The body of the book, from A to Z, is a cheap reprint, page for page, of the edition of 1847, which was in its day, a valuable book, but in the progress of language for over FORTY YEARS, has been completely superseded. It is now reproduced, broken type, errors and all, by photo-lithograph process, is printed on cheap paper and flimsily bound. A brief comparison, page by page, between the reprint and the latest and enlarged edition, will show the great superiority of the latter. These reprints are as out of date as a last year's almanac. No honorable dealer will allow the buyer of such to suppose that he is getting the Webster which to-day is accepted as the Standard and THE BEST,-every copy of which bears our imprint as given below.

If persons who have been induced to purchase the "Ancient Edition" by any

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misrepresentations will advise us of the THE AMERICAN WRITING MACHINE CO.

facts, we will undertake to see that the seller is punished as he deserves.

G. & C. MERRIAM & CO.
SPRINGFIELD, MASS.

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AMERICA'S GREATEST RAILROAD,'

is the title of the new Summer-Resort Guide of the New York Central and Hudson River Railroad, and is one of the most attractive books of its kind of the present season, replete with valuable information for tourists or persons intending to visit the mountains, lakes, and spas of New York State, New England, or Canada.

It also presents a complete list of hotels, boardinghouses, and farm-houses taking summer boarders, with a brief description of surroundings, rates of fare, and the number and time of trains. Copy of the book may be obtained at any of the New York Central Ticket-Offices for five cents, or it will be sent, post-paid, upon receipt of fourteen cents in stamps, by GEORGE H. DANIELS, General Passenger Agent, Grand Central Station, New York.

HARTFORD, CONN.

BRANCH OFFICES:-237 BROADWAY, NEW YORK. 14 WEST 4TH STREET, CINCINNATI, O. 1003 ARCH STREET, PHILADELPHIA.

ROSES GIVEN AWAY.

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READER, don't

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A forget to send 25 cents for Park's New Rose Budget, and the two splendid everblooming hardy Roses (Souv. de Wootton and La France), advertised last month. You will be delighted with them. You should have there Roses if you grow but two plants, and the Budget tells you all about their culture. Only 25 cents for the Budget and two choice Roses! Or, five Budgets and ten Roses for $1.00. Send at once. Get up a club. Address, G. W. PARK, Florist, PARKTON, Metal P. O., Pa.

P. S.-Ten splendid everblooming Roses, choiccst sorts, with Park's Floral Magazine, one year, all for $1.00. This is a charming monthly, "bright as a marigold," and a favorite among flower-lovers. Now is the time to subscribe.

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NEW YORK LIFE INS. Co.

OFFICE, Nos. 346 & 348 BROADWAY, NEW YORK.

JANUARY 1, 1890.

Amount of net assets, January 1, 1889

Premiums..

....

REVENUE ACCOUNT.

Less deferred premiums, January 1, 1889.. Interest and rents, etc..

Less interest accrued January 1, 1889..

.$26,021,655 96

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$89,824,336 19

4.577,345 14-$29,163,266 24 $118,987,602 43

1,435,734 86-$24.585,921 10 5,028,950 38 451,605 24 DISBURSEMENT ACCOUNT. Losses by death, and endowments matured and discounted (including reversionary additions to same).. Dividends (including mortuary dividends), annuities, and purchased

insurances...

Total paid policy-holders..

$6,252,095 50

5,869,026 16

$12,121,121 66

252,737 17

Taxes and reinsurances....
Commissions (including advanced and commuted commissions),
brokerages, agency expenses, physicians' fees, etc.
Office and law expenses, rentals, salaries, advertising, printing, etc.
ASSETS.

Cash on deposit, on hand, and in transit...
United States bonds and other bonds and stocks (market value,
$60,438,441 91)...

Real estate.

Bonds and mortgages, first lien on real estate (buildings thereon insured for $14,400,000 and the policies assigned to the Company as additional collateral security).......

Temporary loans (market value of securities held as collateral, $4,671,563)......

*Loans on existing policies (the reserve on these policies, included in liabilities, amounts to over $2,000,000)..

*Quarterly and semi-annual premiums on existing policies, due sub

sequent to January 1, 1890...

*Premiums on existing policies in course of transmission and collection. (The reserve on these policies, included in liabilities, is estimated at $1,700,000)

Agency balances

Accrued interest on investments January 1, 1890..

Market value of securities over cost value on Company's books.....

*A detailed schedule of these items will accompany the usual annual report" filed with the Insurance Department of the State of New York.

TOTAL ASSETS, January 1, 1890..

Appropriated as follows:

Approved losses in course of payment..

Reported losses awaiting proof, etc....

Matured endowments, due and unpaid (claims not presented)..
Annuities due and unpaid (claims not presented)..

Reserved for reinsurance on existing policies (Actuaries' table 4 per
cent interest)..

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Reserved for contingent liabilities to Tontine Dividend Fund, January 1, 1889, over and above a 4 per cent reserve on existing policies of that class.

$6,423,777 13

Addition to the fund during 1889....

2,300,540 16 $8,724,317 29

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Surplus by the N. Y. State standard (including the Tontine Fund). From the undivided surplus, as above, the Board of Trustees have declared a reversionary dividend to participating policies in proportion to their contribution to surplus, available on settlement of next annual premium. Returns to Policy-holders.

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VOL. XXXVII.] ESTABLISHED BY EDWARD L. YOUMANS.

THE

[No. 3.

POPULAR SCIENCE MONTHLY.

JULY, 1890.

EDITED BY WILLIAM JAY YOUMANS.

CONTENTS.

PAGE

I. New Chapters in the Warfare of Science. IX. The Antiquity of Man and Prehistoric Archæology. By ANDREW D. WHITE. 289 II. Greenland and the Greenlanders. By ELISÉE RECLUS. (Illus.).. 302 III. Evolution and the Distribution of Animals. I. By D. S. JORDAN.. 313 IV. Concerning Corporation Law. By Prof. AMOS G. WARNER.... 323 V. Insect Pests of the House. By Miss M. W. BROOKS. (Illus.)... 333 VI. Apparatus-Making in Education. By M. C. WILSON. (Illus.)... 345 VII. Why so Many Definitions of Religion? By F. N. RIALE, Ph. D.. 348 VIII. The Musical Sense in Animals and Men. By AUG. WEISMANN.. 352 IX. Human Heredity. By Prof. JAMES H. STOLLER..

....

359

X. A Talk about Meteorites. By OLIVER W. HUNTINGTON, Ph. D. 366 XI. Observations upon Doubling of Flowers. By B. D. HALSTED, Sc. D. 374 XII. Telpherage in Practical Use. By F. A. FERNALD. (Illus.).. 382 XIII. Commercial Geography of South America. By G. G. CHISHOLM. 391 XIV. Sketch of Matthew Fontaine Maury. (With Portrait.)........ 400 XV. Correspondence: Vitiated Moral Teaching.-Where Flax is grown and manu

factured.-A Census of Hallucinations.-The Mysterious Music of Pascagoula. 408

XVI. Editor's Table: A Moral Issue..

XVII. Literary Notices...

XVIII. Popular Miscellany...

XIX. Notes...

410

413

423

430

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COPYRIGHT, 1890, BY D. APPLETON AND COMPANY.

Entered at the Post-Office at New York, and admitted for transmission through the mails at second-class ratee.

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