CALCULATING MACHINES TATE'S ARITHMOMETER. This machine is generally regarded as being the most complete and practical one yet produced. It is thoroughly reliable, stands the hardest kind of work without derangement, and is so well made as to practically never require repairs. The Tate Arithmometer is in use by actuaries and mathematicians in all parts of the world, and is universally commended by them after long and severe tests. This instrument is made in two sizes, a cut of the 16-figure product machine being shown herewith. Among the many testimonials received showing the efficiency of the Arithmometer, we produce one of the latest from Mr. Henry D. Smidt, Under Colonial Secretary at Cape Town: "I wish to state that the Arithmometer supplied this department in 1890 has proved to be wholly satisfactory. I venture to say that it has been in more constant use and has done more work than any instrument used for a like period. It has been in constant use for all statistical, actuarial and other Gov ernment purposes, and I have never known it to fail in a single instance to the slightest extent. It has remained in perfect adjustment and is still in as perfect condition as it was when first received here." This is an American made machine, which, while it has many, if not all, of the merits of foreign made Calculating Machines, possesses, among others, the following advantages: Moderate price. Ten day's trial allowed. Interchangeable parts (may be readily repaired if injured). Simple construction (not likely to get out of order). Compactness (takes up little space, and may be easily carried). The Baldwin Calculator will quickly and accurately MULTIPLY and DIVIDE, Add or Subtract, and is made in one standard size showing 16 figures in pro duct. For instance, it will divide 210,414,455.292 by 47,358,644 and give the result 4,443. It is a time saver, and time is money! $160. 130. 190. THE ODHNER CALCULATING MACHINE. Special (to order) 18 figures in product, THE BRUNSVIGA CALCULATING MACHINE. Prices [Size "A", with 9 numerals for the basis of calculations, 10 numerals in the small and 18 nu- $200. 160. THE FRENCH ARITHMOMETRE. (BY THOMAS DE COLMAR.) This is the original Arithmometre as invented by Thomas de Colmar, and is still being manufactured in France. Many actuaries and other mathematicians use this machine. This is a Swiss multiplying and dividing machine which has lately come into the market, and is pronounced to be a high-grade and valuable machine by those who have thus far used it. THE PRICE OF THE 16-FIGURE MILLIONAIRE IS $400. The Spectator Company will be pleased to receive and fill orders for this machine, as well as the other four makes of machines enumerated above. THE SPECTATOR CO., 135 William St., New York. COMPARATIVE STATEMENT of the increase in Assets and Surplus, also of the Net Premiums Received and losses paid since organization. ALBRECHT VOGT, Vice-President. EUGENE SATTERLEE, President. J. FLETCHER CAMP, Assistant Secretary. EDWIN G. SEIBELS, Manager Southern Department. THOS. J. CONROY, Manager Pacific Coast Department. INSURANCE A Practical Exposition for the Student and Business Man. BY T. E. YOUNG, B.A., F.R.A.S. The author of "Insurance," which is destined to become the standard treatise, is the distinguished actuary, T. E. Young, B.A., F.R.A.S., who is an ex-president of the Institute of Actuaries, ex-chairman of the Life Offices Association, and a member of the Actuarial Societies of Belgium, France and America. Many books treating of different phases of insurance have been published during recent years, but certainly no work of this character, by an authority so well known and so eminent in his profession. Mr. Young's book affords the necessary material for a complete insurance education, and presents the various phases of insurance in a masterly and intelligible manner. In brief, it is a lucid, simple exposition of the principles and practice of life, fire, marine and other branches of insurance, especially adapted for the use of the underwriter, the student and the business man. It is a book of 340 pages, neatly bound in cloth. Price, $2.50, postpaid. Insurance Office Organization, Manage ment and Accounts. BY T. E. YOUNG, B.A., F.R.A.S., and RICHARD MASTERS, A.C.A. The above-named new book will be found to be a valuable guide to the proper organization and con. duct of an insurance company. In it Mr. Young points out the best methods to be followed in the forma tion and management of an insurance company's staff, and the most systematic and economical administration of its business. The arrangement of work, selection and training of employees, and many other practical features relating to the operation of a company are comprehensively discussed. The general principles of bookkeeping are also treated by Mr. Young, and are elaborated in succeed. ing chapters by Mr. Masters. The general, life, fire, marine and accident departments are taken up separately, and the necessary books and accounts illustrated and described in detail. This work should be invaluable to anyone contemplating the establishment of a new insurance company, or who wishes to improve present bookkeeping methods. It contains 146 pages, and is bound in cloth. Price, $1.50, postpaid. Address THE SPECTATOR COMPANY, 135 William Street, New York. Sole Selling Agents for the Insurance World. British America HEAD OFFICE TORONTO, CANADA Incorporated 1833 ... A GUIDE TO... the Accident Insurance Solicitor, containing Hints to Agents, how to obtain business, and a Directory of Plans, Contracts and Premiums, portraying the leading features of the principal Stock and Mutual Accident Companies and Sick Benefit Associations in the United States, covering both accident and health insurance. This work also includes a carefully prepared classification of the various risks according to the hazard of occupation. An especially valuable feature is the table of benefits, showing at a glance the indemnities paid under accident contracts. The chapter on "Hints to Agents," written by a field man and manager of many years' experience in the accident insurance field, is full of salient points for those engaged in soliciting. The work is handsomely printed, bound in convenient form for the pocket, and will be sent postpaid on receipt of price. Price of the Accident Manual, Bound in Flexible Leather, $2.00. THE SPECTATOR COMPANY, 135 William Street, $1,428,610.75 1,030,923.14 $397 687.61 .. The.. Union Central Life Insurance Company OF CINCINNATI Has a wonderful record which Assets, $44,000,000 New York, N. Y. JOHN M. PATTISON, President |