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ACTUAL RECORDS THAT SPEAK POE THEMSELVES!!
There is no better illustration of the probable future than the actual results of the immediate past. While many know that
THE NORTHWEBTERlSr
pays large dividends, still they do not realize what a big difference there is between its dividends and those of other companies,
give some comparison of Actual Policy Results of the NORTHWESTERN and some of its leading competitors :
For this purpose we
Ten-Year Distribution Policies Compared.
The followirg policies were issued in
>:..j j. n<l accumulative period of l<) years.
Company NORTH W E8TERN,
I Mr. A. F. Gallu", of Milwaukee,
j Wis . insured iu 1888, at ;he age 54,
followirjr policies were issufd in 1886, on the 10 Payment Life Pian, with a GOO** 16 i^n^'Yh Nort h western
Each insurant was 39 years ot age
N Y. LIFE, MUTUAL LIFE,
ofNewYmk, of New York.
220,717 ’ 281,171
Mr. Dennis Sheedy, Rev. Sam Jones.
Cartersville, Ga.
$10,000 00*
$590 00
$5 900.00
Northwestern, Mutual Life.
No. of Policy,
Name of Insured,
Residence,
Amount of Policy
of Milwaukee.
449 243
Mr F J. Siefke,
San Francisco, (Ja
$10.000 00* ‘
An nu J Premium, $577 00
1 Premiums Paid, $5 770.00
RESULTS IN 1896:
]l) Years’ Surplus, $1.656 73
Guaranteed Reserve, 4.708 80
Denver. Col.
$10.000 00
$576 30
$5 763 00
$ 951 00
4 708 80
$1,524 60
4,186 70
Gash Value, $6.3655£
$5,659 80
Tola
Northwestern’s Cash Value EXCEEDED Premiums Paid by $595.53
New York’s Cife Cash Value FELL SHORT of Premiums paid bv $103 20
Mutual Life’s “ ,l “ “ “ “ $188 70
<Raised for comparison.
$5 71130
■*£M3££! •
and for $5,000 respective j
ly, in the Equitable and Mutual, of|
N Y. Dividends returned to date,
on the basis of $20,000 ;in each com
pany, have been as follows:
Co, N’thwestern. Equitable. Mutual Life.[Company,
No. Pol. 175,951. 410,077 344.866 j Policy No.
Prom. $1,145 40 $114040 $1,174 00 Amount,
Tiie aim of the Northwestern is to rank first in
benefit to policy-holders rather than first in size.
The above examples which are in no wise ex-
Year
1889.
1890.
1891.
1892.
1893.
1894.
1895.
1896.
1897.
1898.
1899.
Dlvi.
.$ 292 29..
. 304 29..
. 31629..
. *673 29...
. 353 20.
. 361 00..
. 368 20...
. 374 40...
. 379 80...
. 384 40...
Total,
Cost to
Date
$3,807.16
9.937 64
Excels N’thwVn.
Divi Divi. | Premium,
$ 99 28... .258 60; D!Vldt)nd
11540.. ..233.60j h,Htor y-
126 20... .241 201 1889
137 20....249 00 1890
148 40... .257 00 1891
160.00. .. ,204 20| 1892
132 60....209 601 iS98
140 20. .. .213 20 1894
147.80.. . .216.801 1890
155 SO.... 220 40 1896 •
163.60.. . .224 00
1,526 48 $2,527.60
2158 32
2,220 68
11,560 40
1,622.76
Allowing for difference in premi-
1S97
189S
Cash
Offered.
.$ 5 41
. 4 63
. 4 75
. 4.88
. 5 01
. 3 86
4.11
4 20
4 29
4 35
Cash
Offered.
NORTHWESTERN
175.026
$1,000
21 97
Additions.
In September, 1S88, Mr. Samuel G. Wallace, President of the Citizens’ Bank, of
Richmond, Va., insured his life in two companies on the Ordinary Life plan. Ali
dividends in both companies have been used to purchase additions. The results to
and including 1S98 are as follows:
MUTUAL LIFE.
335,289
$1,000
^ 22 70
Additions
Taken.
$ 15 00
13 00
13 00
13 00
13 00
10 00 *■
10 00
10 00
10 00
10 00
Northwestern,
New York Life,
Taken.
$ 6 02
6 13
6 40
13 64*
7.18
7 36
7 51
7 65
7.78
$ 19 00
19 00
20 00
4100
21.00
21.00
21 00
21 00
2100
Total.
.$ 117 00
$ 204 00
Notwithstanding the smaller premium, the additions in the Northwestern have
exceeded those in the Mutual Life by Seventy four per cent
EXCESS IN TEN Y’EARS:
^Double dividend.
On $ 10,000 would have bsen
On 50,000
^Double dividend.
> 870.00
4,350 00
On $ 25,000 would have been
On 100,000
2.175 00
8,700.00
Company Northwestern. New Y'ork Life.
Policy No. 150,046 236.248
Insured Chas. Salmon, of Rochester, N. Y.
Kind, Ac.. Ordinary Life, Basis of $5,000 each.
Date, &c., Both issued In 1886 at age 43. .
Premium $177 25 $175 25,
Dividend
Cash
Addition
Cash
Addition.
history
To 1890
offered
taken
offered
taken
$148 24
$338
$78.21
$163
1891
*109 62
238
23 43
47
1892
58 04
124
23 78
46
1893
61.02
126
26 39
51
1894
63 40
128
30.14
57
1895
65.16
130
32.11
59
1896
66 78
130
33.76
61
1897
68.10
130
3611
64
1898
69.66
130
37 87
66
1899
70 54
128
39.31
67 '
Totals
$1,602
$681
Northwestern’s excess, 135% or
$921
Approximate excess additions on $50,000/
on basis of equal premiums, \
$8,640
And annually increasing.
each of the companies referred to.
It will be noticed the comparison include both annual dividend and accamulation policies.
There aae numbers of men in this section who are getting the same kind of dividends from the NORTHWESTERN, we would be only
compare them with other companies NORTHWESTERN dividends arefrom 15 to 300 per cent, greater than those of other Life Insurant
For Rates, Particulars and for Information, address,
too glad to
Companies.
EDWARD J. COSTELLO, Manager Eastern Georgia Department.
cDreger,
Special Agents,
203, 204, 205 and 206 Leonard Building, AUGUSTA, GA.
AS TO THE HESSIAN FLY
INSECT HAS MADE ITS APPEAR
ANCE IX SOME SECTIONS
OE GEORGIA.
NOW TOO LATE TO FIGHT IT
Its Enrages on the Present Crop Can
not I3e Stopped.—Method For Its
Extermination.
Hon. 0. B. Stevens, Commissioner of
Agriculture, Atlauta, Ga.:
Beau Sir—Under separate cover I am
mailing you a sample of my wheat,
viiu'li up to a short time ago was look
ing very well indeed, liut for the last
week or two it shows an evidence of
some blight. Upon examination I find
Kuiii' insect iu the stem of the wheat be
tween the top of the ground and where
the first lateral roots are found. I am
satisfied, that this insect is damaging my
wheat, and would like for you to iuspect
the sample and write me what it is and
what can he done in the matter.
Answer.—This insect has been re
ferred to the State Eutemologist, Pro-
fessar NY. M. Scott, and he pronounces
it to be the Hessian fly, a well known
wheat pest found all over the United
States, it is now too late to prevent the
ravages of this pest upon the present
wheat crop. The treatment for this in
sect is preventive. The Hessian fly is a
sma.l, dark colored insect, resembling
somewhat the small mosquito. There
are two destructive broods, oue appear-
mg in the spring, aud working at or
near the lower joints of the wheat,
causing the stem to break down in all
directions, a condition commonly desig
nated as “straw formed grain.”
The dormant stage of the insect re
mains in the stubble until fall, embedded
in the outer surface of the straw at or
near the outer joints, and protected by
r de leaf sheaf. The full brood of the
adult flv emerges from the dormant or
flax seed” stage, and the period of its
active flying or swarming varies with
tJe latitude and season. The eggs are
deposited on the leaves of the wheat, on
"neat sown early enough to be xrp be
fore the ending of the period of its
active flying. The maggots hatching
horn rhe eggs descend beneath the leaf
sheaves to the base of the plant near the
t°P of the ground, and under tlm
ground, where they feed on the juices of
the tissue, and cause the infested plants
to have a stunted, dark green or brown
appearance, and prevent the infested
shoots from, producing good heads of
grain next spring. The insect passes
the winter in the “flax seed” or “winter
dormant stage,” and the adults emerge
in the spring at periods varying with
the latitude, altitude and season. Hence
we could not advise the sowing of wheat
iu the section of Calhoun until after the
first good frost in the fall. The object
should be to sow as early as possible in
the fall to get rid of the fly, aud soon
enough for the wheat to get a good start
to prevent winter freezing, hence you
will see that just when to sow your
wheat is a very important matter to be
determined, and the latitude, altitude
and the season, play an important part.
But after all the experience and good
judgment of the planter must dictate
just when to sow his grain.
REMEDY SUGGESTED.
The remedy for the Hessian fly is:
1. Rotation of crops, planting-' the
same land every three years after a clean
crop, as cotton.
2. After the grain has been gathered
in the spring, in the fall all the stubble
and refuse of the field should be raked
together aud eflectually burned.
8. Some recommend late sowing as a
remedy to avoid the evil, since, if d >
ferred until after the fly has laid its
eggs the wheat escapes the first brood.
This, however is objectionable in re
spect to the crop not being thus able to
obtain a good start beioie the fiost
comes, and consequently, being liable to
winter killing.
4. Pasturing the crop with sheep for
a day or two, or mowing off the tops of
the plants and feeding to stock iu order
to destroy the eggs, together with tho
use of the roller, are means often em
ployed. We consider, though, burning
the* stubble the most effectual remedy,
aside from that of giving best chance to
the crop to obtain a vigorous growth be
fore these pesis make their appearance.
5. Another remedy recommended
is as follows: Sow a narrow strip of
wheat around each field iu August or
early in September, and defer as long as
—By buying your Buggies, Sur-
ries and Wagons from A. Rosenthal
you’ll never regret it. We will save
you money in every respect. A.
Rosenthal, Augusta, Ga.
DAIRYING IN GEORGIA.
Than
—Buggies, Buggies. Buggies, a
large stock this season. The strong
est and cheapest can be had only at
A. Rosenthal’s, Augusta, Ga.
Dr. Henry J. Godin,
EYE SIGHT'.SPECI ALlST,
J)e , a ' c . r „ in Fine Optical Goods and Manu-
UUrcr ol Spectacles and Eye-Glasses.
CONSULTATION FREE.
roger Phone, 793. 928 Broad Street
AUuUSTA, GEORGIA.
«ar Opposite Planter’s Hotel.
the season will permit the sowing oi
the wheat from which the crop is to be
obtained. By this means the wheat
sown in the strip will make its appear
ance first aud most of the eggs of the
fly will be laid upon it. After this
period it should be plowed under
very deeply that the eggs may be de
stroyed, and the latter wheat then sown.
The outer strip may then be included
also. This method is said to be very
successful. It will destroy the fly and
protect the wheat at the same time.
Hoping this will prove satisfactory lam
Yours very truly,
Department of Agriculture,
Atlantal, Ga.
__If you want a ferm call on Law-
son & Scales.
Outlook Is More Eucouragiu;
Ever Rcfore.
The dairy outlook for 1900 is more en
couraging iu Georgia than for auy time
iu the past and those now engaged in
the business may well enter upon the
new season with more than ordinary
confidence. Never before has this state
had more enthusiastic men at the fore
front of the dairy interest. They are
reaohing out for ucw methods aud bet
ter equipment in every branch of this
great industry. The dairy herds are
being continually improved. It is true
that there are yet many poor cows found
in the dairy herds, hut the day of the
“scrub” cow is rapidly passing.
We are finding out that only the best
breeds are wortii the keeping, aud Geor
gia is now putting upon the market
some of the best butter found iu the
United States. We were gratified to
learn at the recent meeting of the Dairy
men’s association at Grifiiu that an ex
hibit of Georgia butter won the silver
medal in a contest with the world’s but
ter at the Paris exposition. The butter
was made at the creamery iu La Grange.
Ex-Goveruor Hoard of Wisconsin, who
has made dairying a life time business,
was present at ;he Griffin meeting, and
delighted his audience of more than 500
dairymen from different sections of our
state, by saying that he could see no
reason why Georgia should not forage to
the front of the dairy states of the
Union.
If the Georgia legislature will now
give the dairymen an up-to-date veteri
nary surgeon, aud make provision for
the enforcement of the dairy laws now
on the statute books against the manu
facture of bogus butter, we see no rea
son why Georgia may not within the
next decade make long strides toward
the fulfillment of Governor Hoard’s pre
diction. — State Agricultural Depart
ment.
Killing Near Spartanburg.
Spartanburg, S. C., Nov. 13.—There
was a fatal affray between two boys at
Converse Saturday night. Oue was
killed instantly and the other was seri
ously hurt. Tom Gibson shot aud killed
Pasco Bradley after having himself been
severely cut by Bradley. Both were
mere boys, neither over 20 years of age.
Fell on the Saw.
Mullins, S. C., Nov. 10.—E. Felton
of Rowland, N. U., who owns a saw
mill about 4 miles from here, while fill
ing the sawyer’s place accidentally fell
on the carriage while it was running at
full speed. The saw struck his left leg
just below the knee, cutting it off.
There is little hope of his recovery.
MacArthur’s Death List.
Washington, Oct. 30.—General Mac-
Arthur states in a telegram from Manila
that the following deaths have occurred
since his last report: “Killed, Oct. 26,
near Bangued, Luzon, Company I,
Thirty-third infantry, Sergeant Vincent
Burgstailer. Wounded, Thomas G.
Tucker, wouuded iu shoulder, moderate;
Thomas B. Davis, wounded iu thigh,
moderate. ’ ’
50 YEARS’
EXPERIENCE
1S54 MILES
OF
MODERN RAILWAY
TRAVERSING THE
Finest Fruit,
Agricultural,
Timber, and
Mineral Lands
IN THE
SOUTH.
Trade Marks
Designs
.... Copyrights &c.
Anyone sending a sketch and description may
quickly ascertain our opinion free whether an
invention is probably patentable. Communica
tions strictly confidential. Handbook on Patents
sent free. Oldest agency for securing patents.
Patents taken through Munn & Co. receive
special notice, without charge, in the
pppRsC Ild/Hvvj 11 ^ '
Scientific American.
A handsomely illustrated weekly. Largest ci*
culation of any scientific journal. Terms,
year; four months, $L Sold by all newsdealers
MUNN & Co. 361Broadway ’ New York
Branch Office. G25 F St.. Washington, D. C-
THROUCH RATES AND TICKETS
FURNISHED UPON APPLI
CATION TO ALL POINTS
North, South,
East, West.
fine millinery.
Xliss Ella Huglies.
•Dealer in-
FASHIONABLE MILLINERY, NOTIONS AND NOYELTIES
734 Broad Street, AUGUSTA, GA.
The ladies are invited to call and see my elegant stock of
Millinery and Fancy Goods at the most reasonable prices.
THOMAS P. FACAN,
-Dealer in-
Wines
-AND-
Liquors
\ Ax’av. rT —
Ik
For'sprains, swellings aud lame
ness there is nothing so good as
Chamberlain’s Pain Balm. Try it.
For sale by H. B. mcmaster, Way
nesboro, Ga.
CASTOR IA
For Infants and Children.
The Kind You Have Always Bought
Shoe Making
-Sr
Central of Georgia Railway,
Ocean Steamship Co.
REPAIRING, dec.
I am located on New St., Cobbham, where
I am prepared to give satisfaction in mending
Shoes and Harness at short notice. Satistac-
tion guaranteed. I solicit a share of your pa
tronage. Orders left at Mr, Neely’s store will
receive prompt attention, and I will call for
work and deliver it to any part of the city.
P. J. MA.TOR, Waynesboro. Ga.
i FAST FREIGHT
and luxurious
PASSENGER ROUTE
TO New York,
Boston THE East,
DEBTORS AND CREDITORS.
A LL persons having claims against the es
tate oi M rs. S. A. Powe'l. deceased, will
present them to me properly proven within
the tim • required by law, and ali persons in
debted to said estate will please make imme
diate payment to me at Augusta, Ga. This
October loth, 1900.
JOHN W. HILLIS.
Executor Estate of Mrs. S. A. Powell.
Bears the
Signature of
W ANTED-ACTIVE MAN OF GOOD
character to deliver aud collect in
Georgia for old established manufacturing
wholesale house, *900 a year, sure pay. Hon
esty more than experience required. Our re
ference. any bank iu any city. Enclose self-
addressed stamped envelope. Manufactu-
ers third Hoot, 334 Dearborn St. Chicago. 16
—If you want a farm call on Law-
son & Scales.
LOCAL LEGISLATION.
Notice is hereby given that at the present
session of t he Legislature a bil 1 will be intro
duced entitled:
An act authorizing the Board of Commis
sioners of Roads and Revenues of Burke
county to employ supervisors of roads and
bridaes and to pay such supervisors out of the
county funds. This (Jet. 25th. 1900.
• / For FREE
Scholarship
POSITIONS GUARANTEED,
Under $3,000 Cash Deposit.
Railroad Far* Paid.
Open all yeer to Both Sexeg. Very Chsap Board.
Georgia-Alabama Business College,
Macon, Georgia,
Complete Information. Rates, Schedules of
Trains and Sailing Dates of Steamers Cheer
fully Furnished by any Agent of the Company.
Bottle and Case Goods,
919 Broad Street,
A-Ugmta, Greorgia.
Long Distance Phone. 455. Jug Trade and Mail Orders
promptly attended.
Keep Warm in Winter. . ,
We Provide the Material!
THEO. D. KLINE,
General Supt
t. n. HlftrON, I- C. HAILE,
Traffic Manager, G*n ■ ”*** ASH-
SAVANNAH, CA.
W. D. BECKWITH,
RESIDENT DENTIST,
office over .Gray’s j Waynesboro, Ga.
Office houis: 8 to 1 a. m., and from 2 to4
p. m. Specsal attention to crown and bridge
work. Satisfaction guaranteed. Charges
reasonable. The expense of a trip to a
arge city saved patrons. sep3,’s8—by
S SEND YOUR JOB PRINTING TO
’THE CITIZEN JOB OFFICE,Waynes
boro, Ga. JusticebCourtBlanksa spe
cialty Estimates cheerfully furnished.
The largest and best assortment of Woolen, Plush and
Beaver Robes ever brought to Augusta, in all imaginable styles
and patterns. Quality unsurpassed.
HORSE BLANKETS
iu all styles and at low prices; so take care of the poor animal.
Masury’s House and Carriage Paints.
Fine Babcock Vehicles.
Large assortment of Trunks, Satchels and Telescopes.
H. H. COSKERY,
733 and 735 : - Broad Street
AUGUSTA, GEORGIA .
u •.■iterdaSiSA'o'’:-C-