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Charlatans and Quacks l Have long plied their vocation on the sui-1 fering pedals of the people. The knife has I pared to the quick ; caustic applications have tormented the vintim of come until- :he conviction shaped itselfâ€"there's no cure. Putnam‘s Painless Corn Extractor proves on whatslender lmsis public opinion l often rests. If you suffer from corns get :he Extractor and you will he satisfied. Sold everywhere. When you introduce a moral lesson let it be brief. â€"Horace. Get Rid of Neuralgia. There is no use in fooling WlLl’l neuralgia. I: is a disease that gives way only to the most powerful remedies. No remedy yet discovered has given the grand results that znvurmbly attends the employment of Pol- son‘s Nerviline. Nerviliue is a positive specific for all nerve pains, and ought to he sept on hand in every family. Sold every Where, 25 cents a bottle. During the meeting the following teleâ€" gram, dated Lakewood, N.J., from Rev. R. S. McArthur, Pastor of (‘alvsry Baptist, Church, New York, was read ; the news of President, Harper’s couvalescenco being received amid hearty congratulations : Mr. F. A. Buruham, Mun. Res. Building, New York : Let. us congratulate ourselves on last year's wonderful businesa, and especially on the bright. prospects for the speedy and complete recovery 02 our honored and beloved President. I have this moment. left his bedside, having made him several brief but pleasant. visas His head is clear s the sunshine which floods his room. His Eearb was always right intentionally, and i is now rapidly improving: physically. \Ve m y soon expect to see him again leading hi great company to still grander triumphs. Let us thank God, Lake courage and press {or ard. Col. J. Domville, Manager for Maritime Provinces, St. John, N. B. Ageubswan Led in all uure prawn ted district/s received during we year amounted to $5l,365,145. which does not include one dollar’s Worth of business received since Dec. 31, 1894. The Mutual Reserve is represented in Canada. by the following gentlemen : 3V. J. McMurtry, Manager for Ontario ; Freehold Loan Building, Toronto. A. R. VIcNichol, Manager for Manitoba and N. W.’l‘.; McIntyre Block, \Vinnipeg. Dr. Bassebte, Manager for Quebec; 113 Place d’Armes. Montreal. Thé annual report as presented showed that; C‘Ige assets were larger, the surplus gremter, the new business of more magni- tude, and the payment to beneficiaries more than in any preceding year in the hiefory bf she Association. The gross assets had increased during the year 1894 from $5,133,516.36 to 35,536.- 115.99, making a net gain for the year of v 391.599. 63. The report proceeds : At the end of the year 1893 we had disbursed to the widOWs and orphans and representatives of our deceased members the sum of 317. 684,333.- 56. For the same purpose during the veer 1834 We have paid out the largest sum in the history of our institution. viz., $3,070,- 5l4.01 makmg in an in the 14 years of our existence the magnificent total of $20,754.- Our books show that, on Dec. 31. 1894, we had in {awe 96,067 policies covering insurance amounting to $293,366,106, being a net, increase for the year of 13,351 policies, amounting to $30,753,041, while the applications for The Reserve or Surplus Emergency Fund had increased during Lhe past, 1‘2 months from 33.589.326.13 to $3,827,635.12, making a net gain for the year of $238,308.- 99. The income from all sources during the year 189% amounted to $4,943,739.59. as against, $4.493,815 for 1893, making a. net increase of 34H,924.59. The Fourteenth Annual Meeting of the members of the Mutual Reserve Fund Life Association was held Wednesday Aiternoun, January 23rd, at me offices of the Assoc-i. ation, in the new building at the corner of Broadway-and Duane street, New York. The large Assembly Room on the fifth floor of the building devoted to this purpose was packed With a. large gathering of members from all parts of the country who listened with interest to the reports covering the business of the most prosperous year in the history of this always remarkably prosper- ons Association. The absence of Premdeut Harper, by reason of his continued illness, was felt by all present, but the results of his masterly executive ability were shown in the record presented Ly the financial statement and the joint report of the D1- rectors, Officers and Executive Committee of the Association. 1he phenomenal growth of the Mutual Reserve Fund Life Association is shown In the annual report published in another column. That report shows that the assets were larger, the surplus greater, the new business of more magnitude and the pay- ments to beneficiaries more than in any preceding year in the history of thin As- sociation. Seventeen millions and a half were peid in death claims to the end of1393 and the report of the four State insurance examinerev appointed to investigate the standing of the Mutual Reserve Life Fund shows that the statements made by voluble agents of the old-line companies that the .‘vlutual Reserve shaved its death claims to he an unqualified falsehood. During the fourteen years of the existence of the Mutual Reserve Fund Life, twenty millions and three quarters have been paid out in death claims, each and every claim being settled promptly sud fully. The Mutual Fourteenth Annual Report of the Mutual Reserve Fund Life Aykociation. Reserve Fund Life Association’s rates are one-half those of the old-line companies, in aim beig to give insurance as near anual cost, as is poseible; and this it is aide to do, backed by the substanmal re~ serve of milllons, as shown In the report published (0-day. ASSESSMENT SYSTEM. MUTUAL PRINCIPLE A farmer in ml a. cheese fa -in cows $1,?” (\Sigued) A Prosperous Insurance Co‘ BI'SIXESS IN FORCE. NEW BUSINESS Du R. S. MC ARTHUR. hs Cuuncy received for milk of his Hol- The Bordeaux Claret Company have over {Wenty thousand doze-us of Claret, Burgundy, Sauterne. Ports, Sherries,wnich they are offering at $3 and $4 per case of 12 large quart bottles. All guaranteed pure, sound. and imported direct from the vineyards of France and Spam. They are not common Washed-out Wines but are old, rich, generous. genuine fruity wnne;sold on their merits only and not on a. label or hrandâ€"brandolatary will soon be a thing, of the past. Nearly every swell family in Montreal have tried them and will now use no other. All first-class physicians recommend them. Our cellars are open to the public and We guarantee satisfaction. Ask your wine merchant or grocer for them. or address for pricelist [Iorrlmur Claret Company, 30 Hospital Sa.,.\loutreal. Telephone 1394. With the spring tide come the flowers, but before them comes the illustrated seed and flower Catalogue. in its way almost as attractive as the flowers themselves. We have just received the Catalogue of The Steele,Briggs, Maroon Seed Co. , of Toronto, full of instructive details of great value to all interested in plant and flower himâ€"and who is not? Thereputation of this house stands high and no reader of this journal cm do better than consult their Catalogue or write them personally. After Taking Hood’s Sarsaparilla The most censorius are generally the least judicious.â€"â€"Anon. [Don't Tobacco Spll or Smoke Your Life Away is the truthful, startling title of a book about No-To-Bmw, the harmlc<-. zuummnerl tobacco habit cure that bracei up llll'llLHLXL‘d nvrvcs. eliminates the nicotine poison, makes weak men gain stifength: vigor and manhood. You run no physical or financial risk. as Nofi'o-Bac is sold under guarantee to gun- or money re- iunded. Book free. Ad. Sterling Remedy 00.. 374 St. Paul Sn, Montreal. Chance generally favors the prudent.â€" Jo uberl. (‘atalrh Use Nasal Balm. Quick. p091 \Live cure. Soothing, cleansing. healing. A. P. 749 As ‘Nell as Ever Cured of a Serious Disease. “1 was suffering from wim: is known as Bright‘s disease for five years, and for days at :1 time I have been unable to straighten mysm- up. I was in bed for three weeks; during fihat time I had leeches applied and derived m) bene~ M. Seeing Hood’s Sarsapariiia advertised in the papers Idecided to try a. bottle. I found WANTE03 Bright. active. energetic men in every section of the countrv to inLroduce in cheneighborhood an article of universal umze. Sure sale at every house. Splen- did chance m nmke biz money. Addrex‘s, \V. A. LOFTUS. Montreal. relief before I had finished taking ha” of a. bot»- ue. I got so much help from taking the first bottle that I decided to tr another. and since taking the second bottle feel as we)! as ever I did m my hie." GEO. M2anrT,ToronLo, Ont. Hnod's Pllls are prompt and efficient, i 15y cf action. Sold by all drugzisu fic.’ HfiQD’S French Treatyâ€"Blood flaking “'Inea It's no he I’ 1 Scotc y o u c a n n 2. smoke a better Cigar than of th Rob “RUB ROY,” See our Catalogue or write us . . . All enquiries answered. Noteâ€"All enterprising merchants in every town in Canada sell our seeds. TheSteele, Briggs, MarconSeedco. They cost 53. Get them sure or send direct to us. WIN ES FOR EVERYBODY. EMPlRE (Mention this paper) 0 you Want Sarsaparllla GURES Toronto. Ontario. iving To I; eeds MONTREAL. 13m. Mrs. Strongholdâ€" “ What would the men say if one million of women should rise In their righteous wrath and demand the ballot at the point of the bayonet '2“ Mr. Strongmind (abstractedly)â€"“ Oh, rats, I suppose." One who is too business of others, ious In observing often be stung for I'nliko the Dutch l’mrou. nn [Uku- liu or other Chunicnls or Dyna um ‘ ‘ . wed in unv of their prepnmtinnu. Thelrdellrmul BREAKFAST COCOA Is Ihmmzely pure and soluble. and cam Ieu than one cent a mp. WALTER BAKER It 00, DORCHESTER, MASS. WALTER SAKEH 81.30. CERTIFICATE OF OFFICIAL EXAMINATION BY FOUR STATES’ INSURANCE DEPARTMENTS. New York City. January 24, [895. W0. the Insurance Commissioners and Superintendents of the States of Illinois..0hio, Texas and South Dakota. do hereby certify that we have beontor the last two months engaged “ran exhaustive and [borough examination of lhe hooks and acronyms of the Mutual Reserve Fund Life Association and ofall receipts and disbursements during the pcriml extendin: from [he Ist day of January, [894. to the 13th day of November. 1894. We further certify that we tind the Associati'm possessed ofudinitted Invested and non invested asses on the said November 13th. ISDI. to the amount of $4,228,120.93 and of con'ingent mortuary 385115 to the amount of $l,340.490.3l, making gross aswts as of said date to the amount of $5.568. (HUM: that aminst said assets we have charged actutl liabilities to the amount “$675,767.84 (including; bontlshut not, hond statements) and contingent mortsiar)’ liahiities to the amount oi $1.175.04l.32. makingr the surplus or the Association on basis ofgrom invested and non invested assets (53.552.353.09, and on basis of gross assets (contingent mortuary ass rte and liahilitics being included) 33.717.802.08. We further certify that we have carefully checked and proved all items: that the loans on bond Emil mortgage have been checked and veriiit tl : that stocks and bond; have been accounted for through receipts held for deposits: that cash on hand has been ronn HI. and that cash deposited with sundry banks has been prored by the books of Said banks or by proper certificates therefrom: that the real estate has been valued upon the basis ornet renta‘s and from in‘ormation derived from reliable sourres. and that the oprrations oi the Association have been subjected to a thorough examination in which every facility has been all‘ordod us by the oilicere and manners, every book. recon! and source of information having been laid open to us without reservation. MUTUAL RESERVE FUND LFE ASSOGIATION OF NEW YQBK GIW. We further certify that we have verified by a competent expert the value of the Asso ciation’s interest in the building:. known as the Mutual Reserve Building. and that we are ttistie‘d that its value is largely in excess of the amount at which it stands upon the Asso- ciation‘s books. We further certify that we have mad ‘ a very careful examination of the death claims paid by the Association during the period covered by this examination, and that we are of the opinion that the Mutual Reserve Fund liit'e Association pays its death claims honorably and promptly, and that it does not in any ~ase wilfully attempt to resist payment of any honest death claim that is made upon it; and that the work of the death claim department is handled with all possible dispatch and in such a way that the most critical can have no just cause or r ‘asonabie ground of complaint. While under the opera tion of the fundamental principle of the Association which calls for the collection after d ‘ath of the sum required to pay a claim, there may be some seeming deiay. payment is just as sure as with any other company or association. which fact is fully established by our examination. We further certify that we have made a personal examination of the methods of the Medical Department. and feel warranted in saying that the utmost care is exercised in the selection of risks, and that in this respect the Association will compare fine 'any with any other life insurance company or association. The financial statement furnishes abundant proof of the healthy and prosperous con dition of the Association, and the gradually increasing assets show prudence and economy. The management, the public and the members are to be congratulated upon the solidity md security of the Association. SOLD BY GROCERS EVERYWHERE cdcfifis‘fiffiaic'fiffi'fis ’Twould Scatter the Vote ASSESSMENT SYSTEM. IN WITNESS \VHIEREOF, we have hereunto sub- Industrial and Foed EXPOSITIONS * ;; In EuropeandAmerica. u ] ‘5' 01. ".4 Continent. hlve received UIDUEOT numnno The Largest Manufacturers HIGHEST AWARDS PURE, H'GH GRADE Insurance Camissioom cad Examiner, Stat: of Texas. SEAL wise an observer of the like one who Is too cur. the labor of bees, will his curiosity.â€"Pop9. from the great E. B. HARPER, scribed our respective names in and year above written. the alt; of New York, the day ltia sfildroliis )é'vmrefiteggy all gists. _It. cures .n pxem; Consumpnon undia the best Cm J: and. Grow“ Cure. Bronchitis. \Neak Lungs, Consumption, Loss of Flesh, Emaciation. Weak Babies. Growing Chiidren. Poor Mothers’ Milk, Scrofula, Anaemia; in fact. for all conditions call- ing {or a quick. and effective rzaurz's/Imnzl. fl'ln/V/L’r Run/12M. FREE Scott 3; Sowne. Bclleville. All Druggists. 60c. 84 $1. COMMISSIONERS’ CERTIFICATE. he cream of Cod~1iver O Hypophosphites, is fc Coughs, Colds, Sore 'i’hroat. smmw “M m“‘” ~~s‘$$®$m Better Evcrv 3' _ THE .- germ-r 3 emer S‘ this eeasox. man ever. Evsr‘mcdy wvmoa ealer sells them. Thev 'N'Iar .ike Iron. Insurance Superfnlnm'ml, S/ate aflllt'noxls‘, Chairman. Superintendent of Insurance, State of Ohio. imxmm flr. Lavioleite’s Syrup of Turpsn’cine {SED WITH GREAT SUCCESS l'l‘OpI‘ittOT, d. Gustave Lavio!ette M.D. A51: fox.- 1t 1 rom your Drugglst or (xrocer, who can procure it at any whole- sale house or direct from the THE LARGEST SALE m CANADA. President. FOR TWENTY-FIVE YEARS 232-231 St. Paul St.. Montreal CQDK'S BEST FRIEND Eminenm quauthalota. MUTUAL PRINCIPLE. Bronchitis, Loss of Voice, Hoarseness, \leooping- Cough, Group. 1516., Etc. Always Cures ] ’Coughs, Colds| l u‘ them