Indianapolis Journal, Indianapolis, Marion County, 8 January 1886 — Page 5

along hi* line, cheering his men and loudly saying: “Stand to your guns! Don’t waste your am•monition! See that every shot tells! Let us finish flthis business to-day.” And he did finish it. The British ware completely routed, peace was declared, and General was again hailed as the conquering tiiero, and honors, without number, poured in 'upon him. Returning to his home in Tennessee, he soon again loft it to fight the Indians in .Florida, and after its purchase by the governijent, Tie was appointed Governor of the newly acquired Territory. In 1823, he was again elected United States Senator from Tennessee, and in 1824 was the Democratic cauaidato for President of the United States, and although he received more electoral votes than his competitor, John Quincy Adams, the latter was chosen, by ■reason of the election having been thrown into the House of Representatives. The Democrats again nominated Jackson as their candidate for President in and he wa3 triumphantly elected, receiving 178 electoral Totes, to 83 cast for Johft Quincy Adams, and he took his seat as President of the United States jon the 4th of March, 1829. His administration was one of prosperity to the country, and after jßerving two terms he retired from the office in 1837. one of the most popular Presidents, with jtho masses, that ever occupied the executive Chair. With all his faults, he was a true patriot and honestly worked for the good of the whole country. Though rough in maritaer, he had a Jkind, generous, noble heart, and many are the incidents, illustrative of this, that are related of Jlira while he was in the White House. After his retirement from the presidency he to his home in Tennessee, and the seven years of life that remained to him were spent in ft quiet, peaceful way. During this time he attended a series of revival meetings that were held in his neighborhood, and was converted. He sent word to the elders of his change of heart and conversion to religion, and desired to be baptized, and on the next Sunday morning this warworn veteran, over whose heart had passed five and seventy winters of sin. and whose hands were steeped in the biood of his fellow-man. this ex-senator, ex-general and exPresidenfc, knelt at the foot of the altar and was baptized in “the name of the Father, the Son and the Holy Ghost.” The last days of his life were spent in intense suffering, still he endured it with Christian fortitude. He knew he was going to die, and when, on the Bth day of June, 1845, he felt that his Jast hour had come, he called his family and his slaves around him and delivered to them a ftoiemn and impressive .lecture on the subject of religion, concluding bv saying: “My dear children, friends and servants, I hope and trust to meet you all in heaven, both white and black;’’ ftnd a short time after the soul of Andrew Jaekjson took its flight and was with its Maker.

A FOOL’S ERRAND* Ending of a Love Affair Brought About by Answering an Advertisement Elmira, N. Y., Jan. 7.—A very interesting episode has come to light, fully illustrating the ftviis arising from strangers corresponding. A beautiful and intelligent young lady stepped from a train at Canisteo yesterday, inquired the way to the residence of George Benjamin, who lives in the town of Hartsville. Steuben county, K. Y., and hurriedly hired a liveryman to take ber to the place. She returned in the afternoon a sadder but wiser lady, and told her experience, as follows: Several months ago, she said, she answered An advertisement for correspondence in a newspaper of a well-to-do, handsome young man who wde6ired an interchange of views with a view to matrimony. The ladv. who is a young and handsome daughter of well-to-do-parents at Rollin, Lenawee county, Michigan, and whose name is Theda A. Strumbli, answered Benjamin's comfiunication, and correspondence was opened and ept up till her visit East yesterday. Although they have never met, they became engaged, and were to have been married Wednesday last at her home. He had her picture, but she had none of him, but he had sent her a description of himself, saying he had black eyes, hair and mus'laCiie, apd was good looking. lie failed to put in an appearance on the day set for the marriage, and instead she received a telegram from his ftister saying George was unable to come, as he •was very low with typhoid fever, and that he was continually asking for her, and if would consent to come to Hartsville It might be the means of saving his (precious life. When she arrived at 4he residence of her affianced, instead of finding A black-haired and mnstached good-looking man Bear unto death, she found a red-haired, cockeyed, pug nosed chap, who was not, and had not bean sick, and who bore the name of George "Benjamin, but who endeavored to convince her that he was not the sneak with whom she had "been corresponding, and who, by the aid of Mis Aister, had got her to Hartsville on a fool’s errand. She utterly refused to have anything to flo with him. and damanded her letters and photograph, which he refused to return. The young woman, brooding over the disappointment, trouble and expense, took the earliest train for home.

SARAH ALTHEA HILL. Hr. Sharon’s Alleged Widow Married to Ex-Cliief-Jnstice David S. Terry. Stookton, Cal., Jan. 7.—David S. Terry, exChief justice of the Supreme Court of California, and Miss Sarah Althea Hill, claiming to be the widow of ex-Senator Sharon, of Nevada, were jnarried in the parsonage of the Catholic Church, shortly before 10 o’clock this morning. Miss Hill arrived on a steamer from San Francisco at 3 o’clock, and remained on board until she left for the parsonage with State Treasurer Outland, who acted as groomsman for Terry. Father O’Connor, of St. Mary’s Church, performed the ceremony. The only person present was the groomsman, Miss Hill having decided to dispense with bridesmaids. Judge Terry positively refused to allow any reporters to be present. The license gave the bride's name as Sarah Athlea Hill-Sharon, and her age thirty-two; Terry’s age, sixty-two. The ceremony was quickly performed, after which the bridal party drove to Terry’s residence, where a wedding breakfast had been prepared. As soon as the breakfast was over, Terry went direct to the Superior Court, where he had a case on trial. Clinton Terry, the Judge's only living son, is reported to be greatly Annoyed at his father’s marriage, and intends leaving here for Frence, where bis father lately purchased for him a large property. Thomas Jefferson's Grand-Daughter. Cleveland, 0., Jan. 7.—Louis Schaefer, of Canton, 0., who has interested himself in behalf of Septima Randolph Meikleham, grand-daugh-ter of Thomas Jefferson, who is living in straitened circumstances with two invalid children at Georgetown, D. C., has prepared a memorial to Congress, which will be presented soon by Congressman McKinley, of Ohio. A similar anneal for a pension was made to the last Congress, But not acted upon. Mr. Schaefer'states that in 1884 he sent a letter containing a blank check, payable to Mrs. Meikleham, to members of Congress, the President and members of h’is Cabinet, members of the Supreme Court, the Governor of New York, and other prominent people. In response checks were sent to him aggregating in value only S7O. Mr. Schaefer is well known in Ohio as a man of benevolence. Ho Las offered to Mrs. Meikleham a home during the remainder of her lifetime in his household. tTnanlmous Rcnomiation of Mr. Bherman. Columbus, 0.. Jan. 7.—The Republican jnemhers of the Legislature held an open joint caucus this evening, and nominated Hon. John Bberman for United States senator. Tlie vote was unanimous and open, their being no other 3Uameß suggested to the caucus. Not more than two dozen persons were present besides the members. A number of short, enthusiastic Speeches were made indorsing the nomination, Among them being ex-Goveruor Noyes. The Caucus was in session less than one hour. Patience and gentleness are useful and powtrful, but they cannot cure a cough, which, howfer, Dr. Bull’s Cough Syrup will always da

COUNTESS YON MUTZENBACH The Marvelously Variegated Career of a Pardoned Bigamist’s Wife. The Story of a New Jersey Belle, a Daughter of Commodore Meade—Three Marriages and a Case of Murder. Merritt dll.) Correspondence Globe-Pemocrat. The Globe-Democrat, of Dec. 31, had the following special dispatch: “St. Paul. Dec. 30. —Governor Hubbard has pardoned T. J. McAfee, aiias Gerald Moore, from State’s prison, where be was serving a three years’ sentence for bigamy. The case has all the elements of a genuine romance. In 1880 McAfee left his wife in the Emerald Isle to seek a fortune in the now world. While making the ocean voyaee his personal charms were admired by a Countess Von Mutzenbach. a charming bru nette of about thirty years, whom he met for the first time on board the steamer. Upon arriving at Castle Garden t’ie twain were wedded. The fates of old Ireland were against him. for one day while walking the streets ho met Thomas Lodge, the brother of his first wife. The unlawful couple immediately left the city to escape suspicion, and located in St Paul. Here McAfee engaged in the book business, under the name of Gerald Moore. Mr. Lodge, nevertheless, kept a weather-eye out for his brother-in-law, and finally traced him with his newly-made bride to this Western country, and subsequently, upon the arrival of his sister, Mrs. McAfee Iso. 1. the derelict husband was arrested for bigamy. To this charge he made no defense but pleaded guilty. The Rlesdames McAfee remained near each other, but never spoke as they passed by. "Wife No. 2, whose love-flame burned warmest, took up her residence in Stillwater, and constantly cared for her husband during his incarceration. Upon his release from jail he proceeded at once to wife No. 2, and they are apparently happy. Wife No. 1 has evidently abandoned all hopes of keeping her husband’s love, and will, as soon as she has been a resident of the State one year, institute an action for a divorce.” This Countess Von Mutzenbach, or Mrs. McAfeo No. 2, as she stands at present, was a daughter of the late Commodore Meade, of the United States navy, and a niece of Gen. George G. Meade, who commanded the federal army at the battle of Gettysburg. While a young girl, yet in her teens, and quite a belle in aristocratic society, she became acquainted with Charles K. Ladnis, the founder of the City of Vineland. N. J., and at that time one of the most prosperous and best-known business men in southern New Jersey. Mr. Landis became smitten with her charms, and, although several years her senior, proposed marriage. Os course, he was requested to ask hor pa. He did so, and net a stern and positive refusal. The girl being under age, under the laws of New Jersey could not be legally married without her parents’ consent. As Mr. Landis was wealthy and of unblemished character, he demanded of the old Commodore a bill of particulars as to why he refused him his daughter, to which the old gentleman replied that his great and insurmountable objection was his age. Now, Landis was a bachelor of thirty-four, and claimed that Mr. Mead had failed to state whether he thought him too young or too old to engage in a matrimonial enterprise, and that at the very best an excuse was a mere subterfuge, given for want of more valid reasons, and that he would be justified in resorting to extreme measures in getting his objections out of the way. So, taking the prospective bride’s older brother into his plans, they privately engaged board and lodging for the old gentleman in the Bioomingdale Lunatic Asylum, where, in spite of the old Commodore’s terrible rage at such a proceeding, they had him incarcerated for several months on a charge of being the possessor of a diseased miud. Having now got “the great objector” safely stowed away, Miss Mead was left without any responsible guardian, and in company with her older brother, to represent the good will of the family, she went with Mr. Landis before a minister and they were pronounced husband and wife.

During all this time the old gentleman was making things very lively at the asylum, and in a few mouths succeeded in getting released, when he proceeded at ouce to make things very interesting for Mr. Laudis. The law of New Jersey reads that—“lf any woman not fully of age shall marry without the permission or consent of her parents or guardians, the person officiating at such marriage shall be liable to a line of S3OO, and such marriage shall be null and void.” In this case the minister was safe, a3 Landis would promptly pay his fine for him; but under the latter clause of the law—declaring marriages under certain conditions to he null and void — was where the irate father proposed to get in his work. With this end in view he notified ail the parties concerned that his daughter, who was an infant in the eyes of the law, having entered into matrimony without his parental consent, and against his will, he should at once commence proceedings in the courts to have said marriage set aside, and should also make use of the agency of the law to recover damages for loss of the services and society of his daughter. Mr. Landis looked upon these proceedings with some alarm, and began to cast about him to find the most effective means of thwarting the old sea dog's proceedings in the courts. After consulting able counsel, he selected his course and came off victorious. The New Jersey Legislature was in session, and it would have been contrary to the whole previous history of the august law makers of that State to permit a man with plenty of genuine greenbacks to come to them in distress and go away without relief. So a very innocent-looking little bill was hastily rushed through both houses and became a law, the title of which read, “A bill to legalize the marriage of Charles K. Landis and Eivira Meade.” The object and effect of this bill was to throw the old gentleman out of court and debar any further proceedings on his part looking to the recovery of his daughter, or other interference with the marital relations of Mr. Landis. Os course, the Commodore make the welkin ring with complaints of bis mistreatment at the hands of his son and sou-in-law, but he was powerless to get anv other satisfaction. But Landis did not long enjoy his victories in peace before new troubles arose of quite another character. His wife became hysterical, and at times gave evidence of mental unsoundness. Mr. Landis treated her tenderiy, and sought the aid of the best medical talent in the country in her behalf. At this stage of the proceedings another party became conspicuous in Landis's troubles. One Uriah Caruth was publishing a newspaper in Vineland, where Landis lived, and made it a specialty to pitch into Landis. While his frequent attacks upon Landis were of a character that would have exasperated most men, they went unnnoticed by Landis until one morning the paper came out with an article ridiculing and making sport of Mrs. Laudis’s mental condition. Landis read the article and at orfee started out to find Caruth. Caruth was in his office, and the instant Landis got sight of him he fired at him with a large navy pistol. His aim was true, and he planted an ounce bullet in Caruth’s brain. Strange as it may appear, Caruth was not instantly killed, and Landis was arrested and placed in the Cumberland connty jail at Bridgeton, to await the result of Caruth’s injuries. As Caruth began to improve Landis was released under $50,000 bail. Caruth continued to improve in 6pite of the protests of the doctors, who claimed it was contrary to precedent and out of reason for a man to get well with an ounce of lead in his brain, and, upon their repeated assertions that he was liable to die at any moment. he began to set his house in order, and made overtures to Landis that, for a certain amount of cash in hand, to make Caruth’s family secure from want, he would leave the State and never come into it again, so that he could not he used as a witness against Landis in any criminal proceedings that might be brought against him. Landis received these overtures with favor, but before the bargain was concluded and the money paid Carutti made a visit to New York State to consult some friends, and while there he had a sudden relapse and died. Landis was again placed in jail, and at the next term of the Cumberland County Court he was indicted for murder in the first degree. The trial soon followed, and the prosecution seemed weak from the start Public opinion was with LandisaDd the jury returned a verdict of acquittal on 1 tie ground that at the moment of firing the shot

THU INDIANAPOLIS JOURNAL, FRIDAY, JANUARY 8, 1880.

Landis was laboring under a temporary fit of insanity, caused by great provocation on the part of Caruth, this verdict, of course, being but a roundabout way of saying that he served the editor right Landis was now again free to pursue the even tenor of his way. While Landis was in jail an event happened showing General Grant’s opinion of country editors. At that time, and for several years prior to the shooting of Caruth, Landis had been the postmaster at Vineland City, an office at that time worth about $1,200 per year. While he was in jin a rival, who desired the office, got out a petition and had it numerously signed. & n d, with a committee of friends.’went to vVashington to Jay the matter before the President and secure the appointment. President Grant received them courteously, and, after hearing their statement, asked them to accompany him to the Auditor's room of the Postoffice Department. Here the General requested the Auditor to look up the accounts of Mr. Landis, postmaster at Vineland, N. J. The Auditor did as ho was bidden, and in a few moments announced that his accounts were square and correct in every particular. “But,’’said the committee, “he is in jail charged with murder.” “I understand the case,” said the General, with a merry twinkle in his eye. “The only charge against him is that of shooting an editor, and I do not consider the charge sufficient to justify me in making any change. Good day, gentlemen,” and Landis remained postmaster for two years longer, when he resigned of his own accord. But Landis’s troubles were not yet ended. As his wife regained her mental equilibrium she developed unmistakable signs of being a vixen in temperament, which disposition she assiduously cultivated in her language and conduct toward Mr. Landis, and after many wordy controversies and practical displays of bad temper on both sides, they agreed to disagree and separate. The separation had been of short duration before both appeared from timo to time before the county court, asking mandatory orders from that august tribunal concerning the custody of their children. This continued for a year or more, when Mr, Landis learned some facts concerning the conduct of his troublesome spouse which enabled him to get a divorce. After the divorce proceedings she was furnished money, most protably indirectly from Landis, with which to travel abroad, and the courts and lawyers of southern New Jersey saw one of their great sources of revenue take her departure in search of other worlds to conquer. Invue time it was reported that a rich count in the city of Nice had fallen captive, and that the daughter of the old Commodore had again become a bride. Soon Count Von Mutzenbach — so reads tho husband's name—died. His death was beyond doubt due to natural causes, and was a matter of sincere sorrow and affliction to the bereaved widow, in spite of all the heartlessness with which she has been accused. Avery remarkable fact with this count, and a very rare thing among “counts" who marry American women, was that ho actually possessed some property, and his widow was reported to have had a legacy of SIO,OOO a year left her, to be paid as long as she should remain a widow. After her husband’s death she returned to America, and on the steamer crossing the ocean she first met and became acquainted with McAfee. It seems to have been a case of love at first sight But there was an obstacle in the way of their marrying, in the shape of McAfee’s already having a wife, whom he had just left in Ireland, and whom he had promised to send for in a very short time. This wife was in Ireland, and the loving pair were in America. It was decided to ignore the Irish wife’s existence, as well as her marital rights, and the lovers proceeded to make the widow of the count a second Mrs. McAfee. Scarcely had this been done when, as stated above, they accidentally met the brother of Mrs. McAfee No. I, who began to investigate, when McAfee, with wife No. 2, sought safety in flight, and, under an assumed noroe, settled down and engaged in business in Minnesota. Fate, in the person of the irate brother, was against the elopers. The brother sent for wife No. 1 to come to America, and assisted her in following up her sinful husband, who, when found, was arrested on a charge of bigamy, aud sentenced to a three-year term in the penitentiary. Now, that he has been pardoned, it remains to be seen what tho next chapter will be.

INA NORTON’S FOLLY. A White Girl of Cleveland Clandestinely Meets and Marries a Colored Barber. Cleveland, 0., Jan. 7.—There Is great excitement among the residents of Brownell street, a thoroughfare that crosses Euclid avenue and penetrates the finest residence part of the city. Last night, Miss Ina Norton, a pretty blonde, residing at No. G 9 Brownell street, went to 162 .Prospect street to participate in a social game of cards at a party gathered# at the house of a Mi 63 English. Throughout the evening si e seemed extremely nervous, and at 10 p. m. requested someone to take her hand from her. Rising from the table, she went into tho hall, and was seon no more. Her parents, who were present at thotime, were very anxious about the girl’s disappearance, and reported the matter to police headquarters. This morning it was learned that a marriage license had been issued to Gus Barber and Mertis I. Calling at the house, on Brownell street, a was met at tho door by a colored domestic, who immediately asked, “Are you a reporter?” Answering in the affirmative, he was told that Mrs. Norton could see no one. Inquiry of the colored servant elicited the fact that she was very well acquainted with Barber, but Mrs. Norton, who bad evidently been listening, appeared on the scene and said there was nothing to be stated. The reporter then called at the home of Miss English. A number of friends of the Norton family were present, and the following facts were ascertained: The Norton family moved from Seville, 0., to Cleveland, three years ago, and opened a boarding-house near the Hollenden Hotel. Two colored domostics were employed, one of whom is at present with the family. These girls had two lovers, Bragg and Barber, both of whom were tonsorial artists. Barber is a colored Adonis, and it transpires that his affections were rapidly transferred from the servant to her white mistress, and Miss Ina did not seem to be averse to the same. Clandestine meetings were frequent, the colored girl acting as go-between, and on Wednesday afternoon Barber’s colored chum, Bragg, procured a marriage license for him, and Mr. Augustus Barber was united in marriage to Miss Inr* Norton at the residence of the Rev. Gassoway, pastor of the African M. E. Church, on Erie street, Wednesday afternoon. The lovers then separated. Miss Ina went to the card party, and leaving her hand with a friend, she went outside, and met Mr. Barber, who was in waiting with his faithful Bragg. A carriage whisked them to the Union Depot, and it is supposed that they took the train to the East.

Sullivan’s Comprehensive Challenge. New Haven, Conn., Jan. 7.—John L. Sullivan to-day authorized the following challenge: “1 will fight Mitchell, or any other man in this country, for from SI,OOO to SIO,OOO. I will fight Mitchell for one cent, or for nothing, every day for a week, and if I don’t lick him on Monday, I will give SI,OOO to the orphan asylum; if I don’t lick him on Tueifiay, I will give $2,000 to the policemen’s benevolent fund; if 1 don’t lick him on Wednesday, I will give $3,000 to the firemen’s fund, and so on, to some charitable institution, until the week is up.” Wife Murder and Suicide. Paterson, N. J., Jan. 7.—George Halford, huckster, this evening killed his wife and then committed suicide. His wife was asleep in her bed when ho shot her. Mrs. Halford had kept a boardine-house in this city, being separated from her husband the past eighteen mouths until last Monday, when they were reconciled. Halford had been drinking since. No cause is assigned for the tragedy, except his complaint that she preferred her children to her husband. Refused to Turn Over His FostotTice. Louisville. Jan. 7. —J. C. Fenton, appointed postmaster of High Grove, Ky., by ex-President Arthur, was arrested and brought here to oight. It is charged that Fenton refused to turn over the postoffice to his suceessor, W. F. McCormick. who was recently appointed by President Cleveland. Fenton will be tried to-morrow in the United States Court. Twenty-five cents will buy a bottle of Red Star Cough Care, It never fails to cure.

SEMI-TONTINE MFE INSURANCE. An Expose of the Semi-Tontine Methods. Its Elements the Same as Full Tontine and Equally as Objectionable. New Fork Tribune. To the Editor: Sir—The recent discussions of Tontine have clearly shown—what has not been denied—that the profits of pure Tontine are the forfeitures of the entire reserves and surplus of those who lapse their policies, and of the surplus of those who die, during the Tontine period —that all who enter a Tontine class put, therefore, at continual hazzard during the entire Tontine period, not only the reserve and surplus paid in by them, but, what is of far greater public importance, they put at such hazzard the paid-up insurance which this reserve and surplus ought to buy for their families; that in fact millions of dollars of such paid-up insurance are now being lost every year by the families of those who lapse; so that pure Tontine is simply a speculation in the paid-up insurance for one's family which a man has really paid for and to which they are fully entitled, but which he chooses to risk their losing in the hope that he may chance to get a share in the reserves and surplus of other insurers who have had to let their policies lapse, and so made their families lose the paid-up insurance which their reserves and surplus had paid for. The Tontine companies, while still asserting the moral soundness and protective value of pure Tontine, have nevertheless laid significant stress on the fact that they are now urging only the seuii-Tontine, or limited Tontine, or non-forfeit-ing Tontine, reserved dividend, distribution policies, etc., in which it is represented that only the surplus is to be forfeited in case of lapse, and that paid-up insurance is to be given for the reserve; so that a man might feel that he was risking his family’s protection only to the extent of the paid-up insurance which his accumulations of surplus might and ought to buy for them, the desired inference being that this reduces it to a small affair in point of amount, and a harmless one in point of morals. The bait in all these variations of Tontine is the expectation that by postponing all dividends for five, ten, fifteen or twenty years thosq, who are lucky enough to live and pay through will get. extraordinary dividends by getting those earned and forfeited by other people, in addition to their own honest earnings. As if there were any other legitimate phase of life insurance than simply taking a policy to protect those who need the protection, getting it at just its own proper yearly cost according to its own share in the yearly risk, and securing all its benefits, beyond all hazard, to those who need it and have a right to rely on it, and not to find in the day of their necessity that their protection was put at stake on a needless speculation, either in whole or in part. LIMITED NON FORFEITURE. The partial non-forfeiting element is brought into these modified Tontine schemes by way of the New York non-forfeiture law, which provides that, when its provisions are not waived—as they may be by those who want full Tontine —whenever a policy lapses after making three full payments, the holder shall be entitled to so much of a paid-up policy as the 4$ per cent, reserve will buy, taken as a single premium at the company's “published rates.” provided he surrender his policy within six months. The companies pare this rcerve to start with: they actually do and must carry a 4 per cent, reserve; but they use only a 4£ per cent, reserve in giving paid-up insurance; the difference goes to the Tontine pool; and this difference during a twen-ty-year Tontine period runs from 7to 10 per cent, of the reserve. For instance, on a man who has been insured for five years for SIO,OOO, entering at thirty, they have a 4 per cent, reserve of 8, but they use a 44 percent, reserve, $4i6.93; difference to the pool, $42.15; when he has been insured nineteen years they hold a 4 percent, reserve. $2,263.44; but they use for paid-up insurance only $2,110.35; difference to the pool, $147.09. OTHER MARGINS FOR TONTINE. So secretly have the single premium rates of these companies been “published,” that until recently I have been unable to procure a copy, so as to see just what effecis on Tontine results the actual application of the New York law might be expected to make. The question was the more curious since, with all the boasted equity of semi-Tontine, its “estimated” speculative result was expected to be, as stated iu my letter of May 10, within about 11 per cent, that of full Tontine, which would not be possible if anything like the full reserve were really used to give paid-up insurance. From a table of single premiums printed in this year we find that these companies take a margin on their single premiums of just 50 per cent, of the net; so that using the reserve as a single premium, oue-third of it is taken as margin or loading: most companies have hitherto loaded their single premiums only about 10 per cent.; as the paid-up insurance given under the New York law “shall not participate in the profits of the company,” that 50 per cent, loading. or one-third the premium, is clear Tontine profit. Semi-Tontine profits from lapses are therefore, first, the entire surplus; second, 10 per cent, of the reserve; third, one-third of the remainder. THE PRACTICAL EFFECT. It works this way: Take 10,000 man insured at age thirty for SIO,OOO each, ordinary life, twenty year semi-Tontine, upon the Equitable's “estimate” that those who live and pay through the twenty years will get $6,300 in cash; the man who has to give np at the end of five years would have in the pool $937.01, of which $459.08 would be the 4 per cnt reserve and $477.93 his interest in the surplus; the latter he loses outright to the pool; $42.15 is then taken from his reserve to reduce it to a per cent reserve, and goes to the pool; the remainder. $416.93, is used as a single premium, loaded 50 per cent, to buy insurance that will not participate in profits; one-third of this, therefore, goes to the pool, or $138.97; $181.12 has been taken out of his reserve; $277.96 has been actually used to buy non-participating paid-up insurance, if he surrendered his policy in time; out of his $937.01 he has lost to the pool $477.93 surplus and $181.12 from reserve, a total of $659.05 —over 70 per cent, of all he had in. and what ought to have given his family about $2,000 of paid-up insurance; that is what semi-Tontine means for him and his family. The man who has been in ten years and has to lapse, has in the poyi $2,321.88, of which $1,010.12 is 4 per cent, reserve, and $1,311.76 in his interest in surplus; the latter sum he loses outright to the Tontine fund; $83.39 is taken from his reserve to reduce it to 44 percent, reserve, $926.73, one-third of which, or $308.91, is taken for Tontine profits by way of loading; so that only $617.82 is actually used to buy paid-up nonparticipating insurance, and he has lost to the pool $392.30 of his reserve and $1,311.76 interest in surplus, a total of $1,704.06, over 73 percent, of his interest in the pool, and what would have paid for say $4,500 of paid-up insurance for his family; that is what semi-Tontine means for him and his family. A man who has been in 15 years and has to lapse, has in the pool $4,177.69, of which $1,663 67 is 4 per cent, reserve and $2,514.02 is his interest in the surplus, and this he loses at once to the pool; his 4 per cent, reserve is trimmed down by $121.25 to a4| per cent, reserve, $1,542.42, one-third of which in the name of loading, $514.14, also goes to the pool, and $1,028.28 only goes to buy non-participating paid up insurance; out of his reserve he has lost $635.39, and he has lost his interest in the surplus. $2,514.02; a total of $3,149.41. over 75 per cent of what he had in, and what would have paid for about $7,000 paid-up insurance for his family: that is what semi-Tontine means to him and his family. The man who has been in 19 years and has to lapse, has in the pool $5,895.07, of which $2,263.44 is 4 per cent reserve, and $3,631.63 is his interest in the surplus and goes outright to the pool; his 4 percent reserve is reduced to a44 per cent reserve by Dutting $147.09 more into the pool, leaving $2,116.35 m a tingle premium, from

which $705.45 more is taken for the pool under the name of loading, leaving only $1,410.90 actually used in buying non-participating paid-up insurance; out of his reserve he has 105t5552.54; add his share in surplus. $3,631.63. his total loss is $4,484.17. or over 76 per cent of what he had in, and what would have paid for over $9,000 of paid-up insurance for his family: that is the protection of semi-Toutme to him and his family, GROSS EFFECT OF SEMI-TONTINE. To produce the “estimated” semi-Tontino result with the same experience as to interest and expense as the last ten years, at least 6,865 men out of these 10.000 would have to lapse, producing for the pool $6,954,910. of which $2,613,987 is the 4 per cent, reserve, and $4,340,923 i3 surplus, which is lost outright to the pool; the 4 per cent, reserve is cut down, by the loss to the pool of about $235,258, to a 44 reserve of $2,378,729. one-third of which. $792,909, is carried to the pool in the name of loading; so that of the 4-per cent, reserve of $2,613,987, only $1,585,820 becomes effective in purchasing non-participating paid-up insurance, and $1,028,167 of it is lost to the pool, in addition to the $4,340,923 surplus; a total loss to the pool of $5,369,090, over 71 per cent, of all their interest in the semi-Tontine fund. A LOSS of $12,000,000. The $6,954,910 interest in the pool should have bought over $16,000,000 paid-up insurance for the families of those lapsing; they actually get about $4,250,000, a loss of about $12,000,000. That is semi-Tontine. Is that a small affair yi point of amount? Or a harmless one in point of morals? In addition to all this, those who die during the period pay for their insurance over $400,000 more than it has cost the company. The substantial difference between semi-Ton-tine and pure Tontine, effected by the operation of the New York statute, is, that semi-Tcntine ought, apparently, to save on the average about 25 per cent, of what is lost in pure Tontine; but, by the New York law, all reserves are forfeited for, two years; also the reserves on policies not surrendered within six months after lapse; which would reduce the amount of reserve used as single premiums and increase the Tontine profits. At any rate, the “estimates” on semi-Tontine are only about 11 per cent, less than those now offered on full Tontine. The gambling element remains precisely the same, perfectly unchanged; the man is still putting at needless and therefore wanton hazard his money and the paid-up insurance for his family which that money ought to buy, the amount of cash and of family protection put at the hazard is simply a trifle smaller. Twenty-five per cent, of non-forfeiture to cover and atone for 75 per cent, of forfeiture! That is semi-Tontino. BUT WILL EVEN SEMI TONTINE ESTIMATES BE REALIZED? Granting that a man can be willing to hazard 75 per cent, of bis family's protection on the game, is the sum played for certain in amount, even if it be won, and his own family does not happen to lose three-fourths of their paid-up insurance? Let the facts answer. The Equitable, for instance, is actually paying only 54 per cent, of the “estimated” surplus on the full Tontines issued ten years ago: and only 60 per cent, on the fifteen-year Tontines. But it is making the best of the disappointment by advertising that their settlements of full Tontine are a little above its “estimates” of semi-Tontine now used in soliciting! What surer foundation for guessitig have the present semi-Tontine estimates? The only element in the result which the companies can control is the matter of expenses. And the Tontine companies have not reduced expenses certainly. In their replies last spring to my articles, they alleged that they were not paying higher commissions for Tontines than for other forms of policies; but in their sworn testimony before the Ohio Senate committee they admitted the fact that they did pay higher, and disclosed by what mental process they had allowed themselves to say otherwise. The serai-Tontine “estimates” of the New York Life are higher than those of the Equitable, though its full Tontine settlements are as disappointing. The “estimates” of the Northwestern Mutual are a good deal higher than either. OTHER VARIETIES OF SEMI-TONTINE. The Five-year Distribution, Reserved Dividend, Five-year Dividend policies, etc., of other companies, are all short-term varieties of semiTontine, precisely the same in principle and identical in effect as far as the shorter term will allow. Warned by the disappointment caused by the difference between “results” and “estimates” on the full Tontines, the companies push these sub-varieties of Tontine without specific “estimates,” on the eeneral representation that the profits from lapses will make the dividends of the lucky very large. For in these days of a low and still declining rate of interest, the luckj’ few cannot get large dividends unless the unlucky many are first made to lose them. THE UNANSWERED QUESTION. But the great question which underlies all these multiplying varieties of Tontine remains unanswered: By what right does a man who has a family to protect expose any part of that protection to joss, or seek to take from any other family any part of their protection? By what right do men speculate in any degree with family protection? By what right do they seek a gain which can come only from the needless losses of families. Jacob L. Greene. Hartford, Jan. 2, 3886. The great life destrover is consumption, yet no one can ever bo afflicted with this disease who resorts at the outset of a cough, cold, bronchial affection, or inflammation of the lungs, to Hale's Honey of Horehound and Tar. For sale by druggists. Pike's Toothache Drops cure in one minute.

died. JAMESON—Alexander Jameson, at bis home, in Wayne township, on Wednesday, Jan. 6, at 7 a. m. Funeral services held at Central Christian Church a" 2p.m. on Friday, Jan. 8. Friends invited to attend funeral without further notice. CHARLES E. KREGELO, TELEPHONE 564. FREE AMBULANCE.

BRUSH ELECTRIC LIGHTS Are fast taking the place of all others in factories, foundries, machine shops and mills. Parties having their own power can procure an Electric Generator and obtain much more light at much less cost than by any other mode. The incandescent and storage system has been perfected, making small lights for houses and stores hung wherever needed, and lighted at will, day or night. Parties desiring Generators or to form companies for lighting cities and towns will ploase write us for information. By permission we refer to J. Caven. Esq., Indianapolis. THE BRUSH ELECTRIC CO. Cleveland. O. For sale-only one doliar per year* the Weekly Indiana State Journal Send for it •

AN ELEGANT LINE OP MISSES’ and CHILDREN’S EXTRA SMALL SIZES IN RINGSITHIMBLES! NICE LINE OF GE2STTS’ SCARF PINS A.NTD RUNGS. early. Immoderate prices. JAS ]ST. MAYHEW, JEWELER, 23 West Washington Street. D A DI7D INDIANA PAPER COMPANY, 1 A T Pi h MANUFACTURERS, |3TThe paper upoa which the JOURNAL u priated l famished by this company.

__ AMUSEMENTS. VDIGKBONBV dfcpDPEßAhpJfc TO-NIGHT! ITO-NIGHT? The Now, Realistic and Emotional Dram# of EngRA Life, written by Mr. Robert Buchanan, and entitlod A.LOJNTE LONDON Or, A WOMAN AGAINST THE WORLD. MISS CORA TANNER and a Great Cast. New aatl Realistic Scenery. Startling Mechanical Effects. £ Vf'Regular Pr ices—loc, 25c. 50c, 75c and sl. Next Attraction—Evans & Hoey in Hoyt’s Great Comedy. “A PARLOR MATCH,” TO-NIGHTI A FASHIONABLE CRUSH! THE EVENT OF THE SEASOBI THE CARLETON OPERA CO. From the Casino Theater, New York. MR. W. T. CARLETON and FIFTY ARTISTS! in 1 As presented over two hundred nights at the Caaiso * Theater, New York. Jjjp’Saturday Matinee—Last time of “NANON.” Saturday Night, a superb production of THE MIKADO! People’s Popular Prices—2sc, 50c, 75c and $L Jan. 11, 12. 13—FRANK BANGS in “THB SILVER KING.” 7 silyerkic l7nnTH EATER 7fin /l || .Smith & Kolly, Prop’s. /A || I LI LJ UJ.B.Smith.M’g’r. J.C.Kellj’.Treas.ZJ L/ L# Every Night this week and at tho Regular Tuesday, Thursday and Saturday, THE NEW RENTZ-SANTLEY Burlesque and Comic Novelty Company. The acme of grace and art. * Each performance con- 1 eluding with the Beautiful Brilliant Burlesque, THE HIGH CARD OH! Don’t miss it for worlds! A royal show, nr masters. THE BEST ON E ART HI POULTRY and BENCH SHOW COMBINED, AT MERIDIAN RINK ON TUESDAY, JANUARY 5, And lasting ONE WEEK. Doors open from 9 a. m. until 10 p. m. of each day. BUSINESS DIRECTORY. INDIANAPOLIS. ABSTRACTS OF tTtles~ : ’ ELLIOTT & BUTLER, NO. 3 JETNA BUILDING. ETC. Cl ALLUP & GLADDlNG—Manufacturers’ Agent# X and Jobbers in Mill and Machinists’ Supplies of Every Variety. Special inducements to noavy buyers. Correspondence solicited. Office, 20 Wesfc Maryland street. Telephone 106 L m ,IBI ™MIsCELLANEOU!L I,III,I,BI,B, ™ , * B, ** ATIfT NT Q K. C. & CO., Manufacturers and ReA 1 JVIINO, nairers of CIRCULAR, CROSSCUT, BAND and all other kinds of g S Illinois street, one square south of Union Depot j. rTryana coj Commission Merchants and Dealers in FLOUR, GRAIN, HAY AND FEED* 62 and 64 East Maryland Street INDIANAPOLIS 01L'Ta1s t kTTne“CO^ DEALERS IN PETROLEUM PRODUCTS, Corner Pine and Lord Street#. WW. B. BARRY^ SAW MANUFACTURER, Nos. 132 and 134 South Pennsylvania Street REDUCTION IN THE PRICE OF GAS! Notice to Gas Consumers and Others.

Your attention is called to the marked reduction 2a the pnce of gas, which took effect on the Ist day of March. The company is now furnishing gas to all consumers at SI.BO per 1,000 cubic feet. This prioa is certainly withrn the reach of all, for both lighting and cooking purposes. The convenience and comfort of cooking by gas, especially during the summer months, where a fire is not otherwise required, can only be thoroughly appreciated by those who have had experience in its useful application for that purpose. The company has sold for use in this city during the last four years a large number of gas stoves and is satisfied, from the many testimonials from its patrons, that these a long-felt want." Gasoline Stoves changed to Gas Stoves at a small expense. IM'Stoves and Gas Engines FOR SALE AT COST. INDIANAPOLIS GA AND COSE CO, No. 47 South Pennsylvania Street. S. D. PKaY, Secretary. -

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