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From the surplus, as above, of $1,177,243.73, a return premium (Dividend) will be apportioned to each Policy, in proportion to its contribution to such surplus, which return premium will be available on settlement of the Annual premium falling due in 1874.

The “SAVINGS BANK PLAN," recently introduced by this Company, has proved a great success, from the fact that Policies bear on their face a Definite Cash Surrender Value, and are as negotiable as a Government Bond.

CHARLES M. HIBBARD, Actuary.

E. W. DERBY, M.D., Consulting Physician. GEO. F. SNIFFIN, Secretary. HENRY W. JOHNSON, Counsel.

FIRE INSURANCE COMPANY,

NEW YORK

Office, EQUITABLE BUILDING, Cor. Broadway and Cedar St.

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Represented in the West and South by the New York

Underwriters' Agency.

EVERY PRUDENT MAN CAREFUL OF THE HEALTH

and comfort of his family, should see to it that his drinking water is conveyed through TIN-LINED LEAD PIPE, which is a perfect safeguard against lead

poison. Tin-lined Lead Pipe is strong, durable, flexible, and easy soldered. It PURE is a great benefit to the community, and enhances the real value of every house

in which it is introduced. WATER

The Board of Education of the City of New York, after a careful and thorough examination of the Tin-lined Lead Pipe, have put it in all their Public School Buildings, where it has been in use for over six years.

It is cheaper than Lead Pipe, when strength and durability are considered.

Sold by the
COLWELL LEAD CO., 213 Centre Street, New York.

Price, 16% cents a pound, for all sizes. Descriptive pamphlets sent by mail free.
Also, manufacturers of LEAD PIPE, SHEET LEAD, BLOCK TIN PIPE, BAR TIN, PIG TIN, BAR LEAD,

PIG LEAD, SOLDER, &c. Orders filled at sight.

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CITIZEN'S INSURANCE COMPANY

OF NEWARK, N. J.

Cash Capital,

$200,000 Total Cash Assets, January 1st, 1875,

400,000 Total Liabilities, including Re-Insurance,

135,000 JAMES G. DARLING, Pres't. A. P. SCHARFF, Sec'y.

AMAZON INSURANCE COMPANY

Of Cincinnati, Ohio. Cash Capital,

$500,000 Total Assets, January 1st, 1875,

900,000 Total Liabilities, including Re-Insurance,

300,000 GAZZAM GANO, Pres't.

B. D. WEST, Sec'y. TEMPLE & BEATTIE, Agents,

163 Broadway, New York. J. J. TEMPLE.

J. H. BEATTIE.

THE MANUAL OF

SCHOOL MATERIAL

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HAS OVER 400 ILLUSTRATIONS,

AND DESCRIBES FOUR THOUSAND ARTICLES FOR SCHOOL USE.
It represents APPARATUS, BLACK BOARDS, Books, CHARTS, GLOBES,

Maps, GYMNASTIC APPARATUS, OBJECT-TEACHING APPARATUS.
MODERN SCHOOL FURNITURE

of all styles—Desks from $2.50 upwards,
AND “EVERYTHING FOR SCHOOLS."

IT IS MAILED FOR 25 CENTS.
J. W. SCHERMERHORN & CO., Publishers and Manufacturers, 14 Bond St., New York,

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(This Slate is used by the Boards of Education of New York and Brooklyn.)

COFFIN'S Pat. D SLATES, with Moulded Edges and Beaded Frames.

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IMPORTER OF German Slate Pencils, Soap Stone Pencils, White and Colored Crayons, Roofing Slates, Slate Mantels, and Slate Work of any kind that may be required.

** SLATE MY SPECIALTY."

Price Lists and Circulars, with prices and discounts, furnished on application. N. B.-DIREOT CONTRACTS WITH BOARDS OF EDUCATION

RESPECTFULLY SOLICITED

THE

GREAT EVENTS OF HISTORY

FROM THE

Creation of Man to the Present Time.

It is based upon the famous book of DR. COLLIER, so widely used in Great Britain, and favorably known over the world. Wherever used, it materially abridges the labor of the learner, and sweetens his toil.

The American editor, an experienced Teacher, has added to Dr. Collier's book, the events from the Creation of Man down to the Christian Era, the articles on the Settlement of America, the Indian wars, the war between Great Britain and her Colonies in North America, the War of 1812, the American Rebellion, and the French and Prussian War. The original plan of the book has not been disturbed.

FEATURES OF "THE GREAT EVENTS OF HISTORY," 1. The "GREAT EVENTS OF History” gives a connected view of the entire Historio Period from the Creation of Man to the present time.

2. It is not ton full to weary the pupil--nor too brief to be uninteresting.

3. Its attractive style interests the pupil in General Facts, and thus induces him to study particular history.

4. Each chapter is headed by its central point of interest, which is thus fixed in the mind. 5. It describes, briefly but accurately, Life and Manners in the leading countries.

6. It is brought down to the latest Historical Events-The American War of the Rebellion -the Seven Weeks' War between Austria and Prussia, and closes with the Franco-Prussian war.

7. The Appendix contains a concise geographical account of the most important places mentioned.

8. It is a pleasant, readable work which may be used as a Manual of History-a Class-reader, or a book of reference.

9. Throughout it is accurate, teaching no absurdities.
It contains 377 pages, in good clear type, and makes a very handy volume, bound in cloth.
The usual discount for first introduction to class use. Price, (mailed) $1.50.

TESTIMONY FROM THE PRESS AND FROM TEACHERS. Commonwealth.-"A very useful work." Baltimore Gazette.“Of incalculable benefit to the public." Scottish American Journal.-" Teachers will find it invaluable." N. Y. Observer.-"Of the highest value not only for reference but for study." Washington Morning Chronicle.--" The author meets a real want. Phila. Press.—"An abstract of the world's history, ably, carefully, and accprately executed." Eclectic Magazine.--"Well arranged and comprehensive." Nation.—“Very well done ; in an interesting style." Federalist.—“Entirely accurate as to facts and dates." S. W. Reigart, Mechanicsburg, Penn.-"Am highly delighted with it." Wm. H. Vrooman, Geneva, N. Y.-" Think it a capital work." G. W. Walker, Superintendent, Lima, 0.—“The finest book in the line of general history." J. A. H. Granberry, Prest. Douglassville College, Texas.—“A work of extraordinary merit." M. L. Hofford, Camden, N. J.-"An admirable hand-book of reference for the general reader." A, L. Jenness.--"It richly deserves the motto, .multum in parvo.'John S. Foley, White Haven, Pa.—" Needs no praise ; it will commend itself."

A. L. Chapin, D.D., Prest. Beloit College.-"I know of nothing else so well suited to furnish the general knowledge of history which every intelligent citizen of our country ought to possess."

Reginald H. Chase, Philadelphia.—“A valuable addition to our text-books in history."

Wm. Phillips, Des Moines.--"Just what is needed to refresh the memory of the old as well as of the young."

J. W. Schermerhorn & Co., Publishers,

14 Bond Street, New York.

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