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Insurance Company. JOHN A. MCCALL,


346 and 348 Broadway, New York City,



It is one of the strongest companies in the world.
It has in Assets over...

. $200,000,000 It has in Surplus over..

$28,000,000 It earned for policy-holders last year from interest and rents over.........

.$9,000,000 It is purely mutual, and all of its assets, surplus and earnings belong to its policy

holders. It has an honorable record of 53 years, during all of which time it has steadily in

creased in strength and prosperity. Its policies as now issued contain no restriction as to residence, travel or occupation,

habits of life or manner of death. The SOLE condition is that if premiums are paid the Company will certainly pay the

policy immediately in the event it becomes a claim by death, and thus leave a

widow or an estate a legacy and not a law-suit. Its policies cannot be forfeited after three years, and if allowed to lapse, the insured

will rece ve the full benefit of his payments either in a paid-up policy, or extended

insurance, as he may elect. It gives a grace of one month in the payment of premiums. Its policies will be re-instated at any time during the five months following the month

of crace if the insured passes a medical examination and pays the back premium

with interest. You can borrow money from the Company at 5% per annum, after your policy has

been three years in fcrce. You do not have to DIE TO WIN. If you live 10, 15, or 20 years you can settle your

policy in any way that best suits your circumstances at the time--for cash, paid

up insurance, annuity, or other options. Your insurance is not a luxury, nor an expense without tangible return, but is an in

vestment of a small sum each year to mature 10, 15, or 20 years hence, if you

llve, If you live to the end of the term you will have made a substantial provision for

yourself in old age, and if you die before the end of the term you will have made

a substantial provision for your family or your estate. It is the most valuable estate you will leave behind you, more certain in Its results

than lands, houses, stocks, or bonds, as its value does not rise and fall with the

market. The New-York Life Insurance Company is the ONLY company in which you can get

ALL of these benefits. You want the very best-the most privileges and the fewest restrictions, whether small

or great-and the New-York Life's Accumulation Policy furnishes it. The New-York Life is the only large Life Insurance Company that closes its books on

December 31st, each year, and makes its Detailed Annual Report early in Jatvary, upon the basis of Paid-for Business, and publ'shes a full and complete Statement of how and where the policy-holders' money is invested.

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FOR 1899.


THE AMERICAN FLAG OR NATIONAL ENSIGN. The official National ensign contains 45 maining three-fourths of a red and white stars in a blue field, arranged in 6 rows- stripe, each of the same breadth any the 1st, 3d and 5th rows having 8 stars part of the taper, with the red uppermost. each, and the others having 7 stars each. The Revenue Marine Service flag, cread

The garrison flag of the Army is made of by Act of Congress, March 2, 1799, was bunting, 36 feet fly and 20 feet hoist; originally prescribed to consist of sixteen Thirteen stripes, and in the upper quarter, perpendicular stripes, alternate red and next the stafr, is the field or "union'' of white, the union of the ensign bearing the stars, equal to the number of States, on arms of the United States in dark blue blue field, over one-third length of the flag, on a white field.” The sixteen stripes extending to the lower edge of the fourth represented the number of States which red stripe from the top. The storm flag had been admitted to the Union at that is 2 feet by 10 feet, and the recruiting time, and no change has been made since. Haz 9 feet 9 inches by 4 feet 4 inches. Prior to 1871 it bore an eagle in the union

The "American Jack is the "union" of of the pennant, which was then substithe flag, its nanie originating with the tuted by thirteen blue stars in a white

union" of the English flag at the blend-- field, but the eagle and stars are still reing of St. Andrew's Saltier with St. tained in the flag. George's Cross.

June 14, the anniversary of the adoption The "narrow pennant" or "whip" has of the Stars and Stripes," is celebrated the union composed of thirteen white stars ag Flag Day in many

of the States, in horizontal line on a blue field, one- especially by the children of the public fourth the length of the pennant, the re- schools.

ASTRONOMICAL CALCULATIONS. Prepared expressly for The Tribune Almanac by Henry Meier, Taneytown, Md.)

ECLIPSES. There will be five eclipses this year, three of the sun and two of the moon, as follows:

I. A partial eclipse of the sun, January 11, not visible in the United States.
II. A partial eclipse of the sun, June 8, not visible in America.

A total eclipse of the moon, June 23, not visible in the United Siates.

An annular eclipse of the sun, December 2, visible in the Antarctic regions. V. A partial eclipse of the moon, December 16, visible throughout the United States

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Middle greatest eclipse.



7:00 p. m.
8:11 p. m.

10:22 p. m. New-York

10:11 p. m. 6:49 p. m.

8:30 p. m. Philadelphia

6:44 p. m.
8:23 p. m.

10:06 p. m. Chicago

6:55 p. m.
7:36 p. m.

9:17 p. m. Washington

6:37 p. m.
8:18 p. m.

9:59 p. m.
6:25 p. m.

8:06 p. m. Charleston

9:17 p. m. 5:45 p. m.

7:26 p. m. New-Orleans

9:07 p. m. St. Louis..

3:44 p. m.
7:25 p. m.

9:06 p. m.
6:45 p. m.

8:26 p. m. Eastern standard time.

10:07 p. m. 5:15 p. m.

7:26 p. m. Central standard time.

9:07 p. m.

4:15 p. m. 6:26 p. m. Mountain standard time.

8:07 p. m. 5:23 p. m.

7:07 p. m. Pacific standard time..

•3:45 p. m. Moon rises with eclipse on,


Mars until January 20.

Mars after January 20. Jupiter until April 24 and after Novem

Jupiter from April 24 to November 8. ber

Saturn from June 10 to December 16. Saturn until June 10 and after December 16.

l'ranus from May 25 to November 27. Uranus until May 25 and after Novem

Neptune until June 15 and after December 27.

ber 16. Neptune from June 15 to December 16.

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