Trow's New York city directory, 1865, Part 295

Author: Trow, John Fowler, 1810-1886
Publication date: 1865
Publisher: New York, J.F. Trow
Number of Pages: 1183

USA > New York > New York City > Trow's New York city directory, 1865 > Part 295

Note: The text from this book was generated using artificial intelligence so there may be some errors. The full pages can be found on Archive.org (link on the Part 1 page).

W. 49th, from Fifth av., W. to N. R. Left. Rt.

2 1 Fifth av.

63 Sixth av. 116 - Seventh av.

128 127 Broadway

166 167 Eighth av. -- 225 Ninth av.

- -- Tenth av.

- - 335 Eleventh av.

W. 50th, from Fifth

av., W. to N. R. LA. Rt.

2 1 Fifth av. - Sixth av. 126 125 Severth av. 138 135 Broadway 182 183 Eighth av. (Billingd' row.)

242 255 Ninth av.

-- Tenth av. - - Eleventh av.

W. 51st, from Fifth av., W. to N. R. Left Rt.

- Fifth av.

- Sixth av.

- Seventh av.

- Broadway (Ilumilton pl.)

- Eighth av. (Mansfield pl.)

252 253 Ninth av.

-- Tenth av. - Eleventh av.

W. 52d, from Fifth av., W. io N. R. Left. Rt.

- Fifth av.

- Sixth av.

- Seventh av.

- Broadway (St Timothy's pl.)

- E ghth av. - Ninth av. - Tenth av. - 565 Eleventh av.

W. 53d, from Fifth av., W. to N. R.

Digitized by Google

Left. Rt.

- Fifth av.

- Bixth av.

- Seve .thi av.

2 1 W. Broadway

32 31 Church

73 74 Rivington

105 102 Stanton

-- Ninth av.

- Tenth av.

-- - Eleve.ith av.

96 93 Elin

114 111 Ce tro

136 131 Baxter

- Stone

- 2 l'eari

7 - South William

13 6 Beaver

29 28 Exchange pl.

43 44 Wall

53 54 Pine

Worth, from 70 Had. .ou, 2 .. to Baxter. Left. RL

1 2 HTudron

25 26 W. Broadway

27 20 Bridge

31 32 Pearl

Ch. 154 Ann

115 116 F'm

41 - Water

171 168 Beekman

133 134 Centre

- 43 State

183 180 Spruce

147 - Nie sion Fi.

49 ; } Front

205 206 Frar kfort

163 - Baxter

York, from 9 & Jobn's lane, E. to W. Broadway.

LOCATION OF PIERS.

NORTHI RIVER.

No. foot Battery

No. 19, bet. Cortlandt and Dey

35,

Franklin

53.

Charles

2, 3, bet. Battery pl. and Morris

" 20, foot Dey

36.

N'ul Moore

54.

Perry

4 21. " Fufton

37. Bach

55. Har mond

4, foot Morris

23, bet. Fulton and Vesey

# 39, V'estry

61, W. 17th

5, 6, 7, het. Morris and Rector 8, font Rector

" 23, foot Vesey

40. U,

Wulla

€2.

.6 W. 15th

W. 20th

9, 10, het. Rector and Carlisle

4 25, foot Barclay

43. # Spring

. W. 26th

11, foot Cirllele

26, het. Barclay and Robinson

= 44, Yet. Spring and Charlton

W. 341h

13, het. Albany and Ce lar

" 23. " Murray 46. " King

W. 40ch

" 15, Liberty

# 30, # Chambers . =

49. u Juroy

50 Morton

51. " Christopher

EAST RIVER.

No. 1, 2, foot Whiteb'l

" Moore

No. 20, 21, foot Burig al. 2_, foot Fulton

= 23, " Beekman

24, bet. Bockman & Perk slip 25, 26. foot Peck el. 27. " Dover

28, bet. Dover and Roosevelt

46, foul Jefferson

63, . F. Houston

64, " Fifth

€5, # 8 xth

66. 4 Seventh

67, 4 Fighth

€& u Ninth

" 18, " Malden la.

19, " Fletcher

No. 37, 88, frot Market 39, bet. Market and Pike

= 40, 41. foot Pike

" 42, h. Pikr & Rutgers

= 43, 44. foot Rutgers

60, foot Rivington

61, Fel Rivington & Ftar ton

# 62, foot Sta-ton

20, foot Roosevelt

30, bet. Roosevelt & .James

" 31, 32. font James = 33, foot Oliver

# 34, 35, ft. Catharine " 50, ft. Montgomery

" 36, bet. Catharine and Market

= 51, 52, foot Gouver neur

69,

u Tenth

70, " E. ltd

Willow Terrace, E. 73d, near 'Third at.

Wooster, from 355 Caual, N. to Fourth. Left. RI.

1 2 Caral 29 30 Grand

55 64 Broome

91 92 Spring

129 128 Prince

163 166 W. Houston

187 194 Bleecker

- 216 Amity pl.

229 234 Amity

247 250 Fourth

156 163 Seventh av.

914 - Broadway

270 265 Eighth av.

--- 855 N nth av.

454 431 T'enth av.

550 555 Eleventh av.

W. Washington Pl., fram 135 Mac. douzal, W. to Grove. Left. Rt. 1 2 Mcdougal 29 30 Sixth av. 61 - Barraw

- 72 Grove

White, from 117 W , Left. Rt. B'way, E. to Baxter. Left. Ri.

1 2 Grand

19 20 Broome

43 44 Delancey

110 109 Broadway 150 149 Elchth av.

- 57 Franklin pl

66 67 Broadway

135 134 E. Houston

William, from 107 Pearl, N. E. to Pearl. Left. RI.

W. 54th, from Fifth av., W. to N. Il. L.R. RL.

White's PI., roar 134 W. 19ch.

- - Fifth av. - Sixth av.

Whitehall, from 2 Broadway, S. to E. R. Ion. Rt.

63 64 Crdar

77 78 Liberty

1 - Marketfield

83 82 Maiden Ia.

4 Bowling green

- 92 Platt

107 106 .John

141 140 Fulton

91 - Broadway

66 5 1 South

207 - N. William

259 240 Duane

249 244 Chambers

Willett, from 492 Grand, N.toE. Hl'ston. -

No. 34. 4 Harrison

No. 52,

W. 10th

pl.

24, bet. Vesey and Birolay

4 42. " Canal

W. 201

12, " Albany

4 27, foot Robinson 11

45, foot Chariton

W. 37h

" 14, foot Cedar

4 29. " Warren 47. " W. Il'ston

48, " Clarkson

4 W. 43d

W. 45h

" 17, 18, foot Cortlandt

" 33, foot Jay .

No. 53, foot Jackson

54, " Cortears

= 55, 4 Cherry

4, bet Moore and Broad

4 56, 57, foot Broome

" 58, 59, " Deland'y

= =

45, brt. Rutgers and Jefferson

47, 1et. Jefferson & Clinton

4º, foot Clinton

49, bet. Cliston and Mo. tgomery

5, .bet. Broad and Coent'es al. 6, 7. 8, Con ties sl. 9, 10, bet. Coentles and Old allpa 11, 12, Old Flip 13, bet. Old alip and Gouverneur la. " 14, foot .Jon-a la. 15, 16, foot Wall 17, foot Pine

" 31. " Duane

16, bet. Liberty and Cortlandt

4 32, bet. Duane & Jay

" 38. Hubert

60. W. 131b

W. Sob

4 W. 89th

" 4], Hoboken

63 62 Church

78 75 Cortis, dt al.

273 274 Pearl

Dia zedby Google

The length of the blocks between the Avenues south of Twenty-third street, is-

Between Ava. D. & B.

676

feet each.

" A. & First

618

" First & Second

" Second & Third

610

420

425

* Fourth & Sixth 920

$ Sixth & Twelfth

800

From Twenty-third street to Thirty-fourth,

Between Avs. D. & A.

646

feet each.

" A. & First

613

First & Second

650

Secund & Third

610

420 4

Lexing. & Madison 425

Madison & Finch

420

Fifth & Sixth

920

Sixth & Twelfth

800

North from Thirty-fourth,

Between Avs. D. & A.

646

feet each.

+ A. & First

618

650

610

420

4.15

Madison & Fifth

420

Fifth & Sixth

920

" Sixth & Twelfth

800

The length of the blocks between the numerical streets, is-

First

to Third

211 ft. 11 In. each.

Third

* Fifth

192 1 1

Fifth

Sixth

194 - 11

Sixth

Seventh 181 4

Seventh

3 Eighth

195 *

Kigbth

Ninth

187 - 10

Teuth

Eleventh

189 M 7

Eleventh

Sixteenth 208 4 6

Sixteenth

Twenty-first 184 4

Twenty-first

Furty secund

197 - 6

Forty-second

beventy-årst

200 * 10 4

Seventy-first 3 Eighty -sixth

204 44

Eighty -1xth . Ninety-sixth

201 - 5

Ninety sixth

One hundred & twenty-fifth 201 " 10 .

All above

199 " 10

The Arennes are all 100 feet wide, excepting -. A. & C. &. of Twenty.third st., only 80) feet wido.

D. & B. -

Lexington & Madison 75

Fourth, above Thirty - fourth 140

The numerical streets are all 60 feet wide, except- ing the fifteen following ones, which are 100 feet wide:

Fourteenth; Twenty-third ; Thirty-fourth : For- ty-second ; Fifty-seventh ; Seventy-second; Seven- ty-ninth ; Eighty-sixth ; Ninety-sixth; One bun- dred and sixth ; One hundred and sixteenth; One hundred and twenty-fifth : One hundred and thirty- fifth ; One hundred and forty-fifth ; and One bun- dred and fifty-fifth.

DISTANCES IN THE CITY OF NEW YORK.

FROM THE BAT- TEEY.

FROM THE EX- CHANGE

FROM THE CITY HALL

৳ mile.

Rector street.

Fulton.

City Hall.

Leonard.

Canal ..

Spring.

-Fourth,

Ninth.

Fourteenth.

Nineteenth.

Twenty-fourth.

Twenty - ninth.

Thirty- fourth.

Thirty-eighth.

Forty -fourth.

Forty-ninth.

Fifty-fourth.

Finy-eighth.

Sixty-third.

Sixty -eighth.

Seventy-third.

Seventy-elgt.th.

Eighty-third

Eighty.righth.

Ninety-third.

Ninety-seventh.

One Hundred and Second.

One Hundred and Seventh.

One Hundred and Twelfth.

One Hun Ired and Seventeenth.

One Ilun Ired and Twenty-first.

One Hundred and Twenty-sixth.

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---

mlle.

¿ mile.

Houston.

60)

First & Second

Second & Third

" Third & Lextugton

" Lexing. & Madison

650

" Third & Irving pl.

Irving pl. & Fourth av.

Ninth

Tenth

+ B. & A.

666

" Third & Lexington

LA SHEPARA SUPERIOR

FAMILY RANCE

WATER STREET

NEW YORK.

PATENTED

SHEPARD'S SUPERIOR RANGES, 242 WATER ST., New York.

SHEPARD'S "SYPHONIC" FIRE-PLACE HEATER

WILLIAMS' PATENT. FOR Basement, Parlor or Library Fire- Places.

These Heaters operate successfully, giving great satisfaction.

Numerous parties har- ing them in use can be re- ferred to, as to their com- pleteness and efficiency.

FOR SALE AT

242 WATER ST., S. T. CHAS. J, SHEPARD.

Dignzor by Google

SHEPARD'S Patent "GEM" FIRE-PLACE

HEATER.

FOR

Basement, Parlor or Library Fire- Places.

Heating the room in which it is set, and heat- ing the rooms in the sto- rics above by means of bot air, passed into the rooms, through tin pipes placed into the chimney.

The manner of putting this Heater in makes it safe. No fear of fire.

CHAS. J. SHEPARD, 242 WATER STREET, N. Y.

TIASTJ. SHEPAR

GEM NATER ST.M.Y.

PRICE & SONS,

LABEL MANUFACTURERS, ENGRAVERS AND PRINTERS, No. 108 Fulton Street,

OPPOSITE THE NORTH DUTCH CHURCH.

DRUGGISTS, PERFUMERS, and MANUFACTURERS' LABELS constantly on hand and made to order. Also, for WINES and LIQUORS.

ORNAMENTAL PRINTING in every variety, embracing GOLD, SILVER, EMBOSSED, and ILLU- MINATED, neatly and promptly execute ).

They have also just issued a new gilt set of Druggists' BOTTLE and DRAWER LABELS, at $8 and $12.

ESTABLISHED 1884. Important to Hotels, Laundries & Private Families. DUNCAN & SHARP'S IMPROVED UPRIGHT & HORIZONTAL

MANGLES.

These Mangles are labor-saving machines, as they en- tirely supersede the use of Ironing,-sinonthing Table Linen, Sheeta, &c, with great rapility beauty, and with- out fuel. A single person, with one of these machines, may do as much work As six with smoothing Irons. They can be seen at the Arter, St. Nicholas, the Metropolitan, and the principal Hotels in the city. The proprietors will give undoubted references as to their utility and use .- Prices fromn $20 to $90. Liberal terms to Wholesale Dealers. N. B -They can be used with steam puwer.

DUNCAN & SHARP, 70 Frankfort St., near Cliff, late Duncan, West & Sharp, 51 Beekman St., N. Y.

PHILIP ROLLHAUS'S IMPROVED Patent Cooking Ranges EIGHT SIZES, ADAPTED For Private Families, Boarding- houses, Dining Saloons and Hotels.

These Ranges have, for neatness, du- rability, and economy, not as yet been surpassed by any article of the kind. The external appearance of them is neat ; are cast of the

BEST AMERICAN IRON;

the plates most exposed to the ex- treme heat are made extra heavy ; the Oven Doors are made to swing. and not liable to break, as drop doors; having a long circulation of heat around each oven, they bake equal to a brick oven, require but a small , quantity of fuel, and are therefore not so apt to get out of repair.

References to persons who have them in use in any part of this and the neighboring cities, may be select- ed at the Salesroom,

248 Water Street, NEAR PECK SLIP,

NEW YORK.

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Bollhaus's Premium Knickerbocker Ranges,

248 WATER STREET, near Peck Slip, New York.

ROLLHAUSTAGS

ADVERTISEMENTS.

GRATES, FENDERS, AND FIRE-PLACE HEATERS. W. JACKSON & SON, Late of the well-known Firm of W. & N. JACKSON & SONS,

TURNERDEL

CHLAND SL

This cut represents a Heater . to set into the Fire-place, de- signed for heating the Base- ment, Parlor, and Second Story. It occupies no more room than an ordinary Grate. The air is received either from Basement or Cellar, and in passing thro' the various flues acquires a ge- nial warmth, which is diffused throughout the rooms above at pleasure.

MANUFACTURERS AND DEALERS IN EVERY VARIETY OF

PARLOR GRATES AND FENDERS,

2F! %10

2 FT 5 X10

No. 246 FRONT ST.,

NEAR PECK SLIP, AND

No. 930 BROADWAY,

BETWEEN

21st and 22d Streets.

C363638

NEW YORK.

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ADVERTISEMENTS.

1864. DAILY 1864 STEAM PASSAGE AND FREIGHT LINE FOR

RONDOUT AND KINGSTON LANDING AT Cornwall, Newburgh, Marlboro', Milton, Poughkeepsie, West Pai AND ELMORES.

THE STEAMERS

JAMES W. BALDWIN,

Capt. J. H. TREMPER, MONDAYS, WEDNESDAYS AND FRIDAYS, THOMAS CORNELL, Capt. W. H. CORNELL, TUESDAYS, THURSDAYS AND SATURDAYS, Leaving New York from foot of JAY STREET, AT 4: P. M., Returning leave Rondout, at 6 P.M., Landing on way down same as up trips.

Positively NO Freight received after 4 o'clock P.M.

For Freight or Passage apply on Board, or to ROMER & TREMPER and THOMAS CORNELL, Rondout H.P. FARRINGTON, Agent, 41 JAY STREET, New York,

Dintizooby Google

ADVERTISEMENTS.

CORNELL'S DAILY TOWING LINE,

BETWEEN

RONDOUT & NEW YORK,

AND

RONDOUT AND ALBANY.

THE STEAMBOATS

NORWICH, HERALD, MARSHALL, JAMES MADISON, SANTA CLAUS.

WILL FORM A DAILY LINE FOR TOWING Between Rondout and New York and intermediate places, and between Rondout and Albany and intermediate places.

For particulars, Inquire of THOMAS CORNELL, Rondout. H. P. FARRINGTON, Agent, 41 Jay St., N. Y.

HARBOR TOWI

BY STEAMERS

MADISON, RUTH, G. W. PRATT AND H. P. FARRINGTON.

OFFICE, 41 JAY.

H. P. FARRINGTON, Agent.

Digliand by Google

COLUMBIAN FOUNDRY, AND BURR MILL-STONE MANUFACTORY,

43, 45 & 47 DUANE ST., NEW YORK.

NEW YORK. 43, 45 & 47 DUANE ST.,

FOR THE MANUFACTURE OF Steam Engines, Boilers, Sugar Mills, Fron and Brass Castings, WROUGHT IRON WORK, SCREWS AND MACHINERY of all kinds; ALSO, MANUFACTURERS OF IMPROVED DREDGING MACHINES, AND CONTRACTORS FOR EXCAVATING UNDER WATER.

Constantly on hand all kinds of Burr, Holland, and Esopus Mill-Stones, BURR MILL-STONES made to order, and warranted to be of the best quality. "BURR BLOCKS FOR SALE.

NATIONAL WIRE WORKS, Warehouse, 63 FULTON STREET. HOWARD & MORSE, MANUFACTURERS AND DEALERS IN BRASS, COPPER AND IRON WIRE CLOTH, Riddles, Sieves, Coal and Sand Screens, Plain and Ornamental WIRE WORK, WIRE TRELLIS for Rose and Grape Vines, &c. WIRE CLOTH for Sugar, Milk, and Rosin Strainers, DUTCH WIRE CLOTH, DUSTER WIRE, WIRE BOLTING -CLOTH, WIRE WINDOW SHADES, Plain, Lettered, and in Landscape, to order. CHENILLE WIRE.

WILLIAM STANIAR, 52 FULTON STREET,

Fancy Wire Shades, For Offices, Stores, and Dwellings, FOURDRINIER WIRES, AND DANDY ROLLS, WIRE CLOTH, IRON AND STEEL WIRE, CHENILLE WIRE.

piqued by Google

ADVERTISEMENTS.

MAGEE'S CELEBRATED RANGES,

Furnaces, Cooking, Parlon, and Ofice Stoves,

DINING ROOM HEATERS, &c.

COLD EMR

...

These Ranges have several advantages over any others. They do more work with less fuel, have a convenient Water back, perfect in its operation; a double sifting and dumping Grate; Plate-warming Shelves, ventilated roasting Ovens, the heat passing entirely around them, first striking the bottom in its natural ascent; are provided with hot-air fixtures, if desired, and are warranted perfect in their operation.

The Furnaces and Heaters are easily managed; sift ashes without dust, require but one lighting of fires during the season, make no clinkers, warm without in any other way changing the atmosphere, and are provided with a regulating damper that controls perfectly the consumption of fuel to the temperature required.

Also,

Fireplace Heaters, . Richardson & Boynton's Kitcheners, Barstow's Ranges,

Summer Ranges,

Ham Boilers,

Laundry Stoves, Sinks,

SCHOOSEY'S CELEBRATED VENTILATED AMERICAN REFRIGERATORS, &c., &C. WHOLESALE AND RETAIL. OFFICE AND SAMPLE ROOM 270 CANAL STREET, a few doors East of Broadway. JOHN SUMNER.

Dignized by Google

ADVERTISEMENTS.

JAMES EVERDELL'S OLD ESTABLISHMENT,

20 YEARS, 302 BROADWAY, COR. DUANE STREET, N. Y.

ENGRAVING AND PRINTING

BY THE BEST ARTISTS.

WEDDING, VISITING AND BUSINESS CARDS,

FRENCH AND ENGLISH NOTE PAPERS,

ENVELOPES IN ELEGANT STYLES. AND

302 EVERDELL'S ENGRAVING& PRINTING,

ENGRAVING

& PRINTING

Stages from Fulton, Wall, South, Hamilton Avenue, and Jersey City Ferries pass the door

PRESSES WITH SEALS ATTACHED, FOR STAMPING PAPER

SILVER DOOR PLATES, &c.

BTONE SEAL ENGRAVING, ORESTS, MONOGRAMS, CYPHERS,

INITIAL STAMPING, IN COLORS AND PLAIN.I

WILSON'S BUSINESS DIRECTORY,

CONTAINING Each Branch of Business properly Classified under an appropriate Head, and all the firms doing that particular Business. ·

This is a work which every BUSINESS MAN, in City and Country, and every LADY having shopping to do, should have. PRICE, ONE DOLLAR. JOHN F. TROW, Publisher,

SENT TO ANY PART OF THE COUNTRY. 50 Greene Street.

SONOMA SPRING MINERAL WATERS, FROM SONOMX VALLEY, CALIFORNIA, FREDERICK BELLOWS Jr. & Co. PROPRIETORS. PRINCIPAL DEPOT, .' 23 WILLIAM STREET, NEW YORK.

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ADVERTISEMENTS.

A policy of Life Insurance is the cheapest and safest mode of making a certain provision for one's family .- Benjamin Franklin.

A Policy of Life Assurance is always an evidence of prudent forethought ; no man with a dependent family is free from reproach if not Assured .- Lord Lyndhurst.

There is nothing in the commercial world which approaches, even remotely, to the security of a well-established and prudently-managed Life Insurance Company .- Professor De Morgan.

There is no more advantageous or secure form of investment than a Life Policy in a Mutual Company. In the NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY it is the best investment that can be made ; for, under all circumstances, you get good interest for outlay of premium paid, and in case of sudden or unexpected death, the legal representatives of the party insured are largely the gainers.

NEW ENGLAND MUTUAL LIFE INSURANCE CO.

DIRECTORS IN BOSTON.

WILLARD PHILLIPS, M. P. WILDER. W. B. REYNOLDS,

CHARLES P. CURTIS,

SEWELL TAPPAN, GEORGE H. FOLGER,

THOMAS A. DEXTER,

CHARLES HUBBARD, FRANCIS C. LOWELL,

HOMER BARTLETT,

JAMES S. AMORY.

WILLARD PHILLIPS, President.

B. F. STEVENS, Secretary.

Cash Assets, Jan. 1st, 1864 - -

- $3,000,000. Last Cash Return (now being paid), - 750,000.

40 PER CENT IN CASH PAID TO ALL INSURED.

This Company, established in Boston, Mass., in 1843, is the oldest and most reliable wholly Mutual Life Insurance Company in the United States, and has been uniformly successful, having always made large returns in cash to all the Policy-holders. Last cash return, just declared, and now being paid, 40 per cent., amounting to 8750,000, and leaving a large surplus besides.

It is strictly a benevolent institution for mutual protecton, entirely beneficent in all its workings ' and tendencies, and is an excellent form of investment.

By the last report of the Insurance Commissioners, the surplus of Assets over liabilities was proportionately greater than any Life Insurance Company in the United States. Expenses propor- tionately " less" than any other Company.

This Company, being purely mutual, insures at the lowest possible rates; and if the premiums paid exceed the actual cost, the surplus is returned to the parties insuring.

Every fifth year, at the time of declaring the return to members, the business is, as it were, closed, so that its actual position and solvency are made manifest at that time, and the surplus funds are divided pro rata among all the insured. This guards the assured against any possible loss from inefficiency on the part of the Company, and is a sure guarantee as regards the future.

Insurance may be effected for the benefit of married women, beyond the reach of their husbands' creditors. Creditors may insure the lives of debtors.

Parties at a distance may insure from blanks, which will be supplied and forwarded free of expense.

Printed Documents of an interesting character, showing the benefits of the Mutual plan, and the advantages generally of Life Insurance that this Company has to offer, supplied gratis, or for- warded, free of expense, by addressing

JOHN HOPPER, Agent & Attorney for the Co., 110 BROADWAY, cor. Pine st., New York City.

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BENEFITS OF LIFE INSURANCE.

The principles of Life Insurance are now so well established, that they are no longer matters of experiment, and its advantages are beyond dispute.

The great and special advantage is the securing of wife and children against want and misery after the death of the husband and father. Every one acknowledges the wisdom and prudence of provid- ing for a family against the adversities of fortune, or the accidents of life, and it is the moral, social, and religious duty of every one, not to abandon those dependent upon him to the cold charities of the world, and liable to the temptations and sufferings of poverty, when deprived of his protection and support. The late Lord Chancellor of England declared, that " no man with a dependent family is free from reproach if his life is not insured." The man who neglects to insure his house is con- demned for imprudence. How much more improvident is he who refuses to insure his life ? Every house may not be burned, but every man must die. Bishop Hawkes wisely declares, that "Life In- surance is not only a humane, but almost a Christian institution," for the Apostle says : " If a man provide not for his own, and especially those of his own house, he hath denied the faith, and is worse than an infidel."

This important duty of every head of a family may be easily and securely performed by ob- taining a Policy of Life Insurance. A very small daily saving will accomplish this purpose. Five cents a day, commencing at the age of twenty-one, will insure one thousand dollars at death, whech- er immediate or remote, together with all the,profits which may accumulate on the policy; and six cents a day, at twenty-eight years of age, will accomplish. the same object. And by the judicious laws of Massachusetts and New York, policies issued for the benefit of widows and orphans, are protected from the husbands' creditors. The question is not whether one can aford to insure, but rather whether he cin afford not to insure.

Can it be that any father, husband, or man, is unwilling to make a little sacrifice of daily com- forts, in most cases of what would be unnecessary expenses, to protect those most near and dear to him from suffering and want after death ?

There are many other advantageous uses of Life Insurance, besides the security of a family against want. Creditors can insure the lives of their debtors as a security for their claims. A man with incumbrances upon his property may insure to the amount of them, to secure their ready pay- ment at his decease. A young man may borrow money to complete his education, or may obtain credit for a stock of goods, or tools, or a farm, by insuring his life and assigning the policy as con- tingent security. A parish may relieve their clergyman from anxious care by raising a small sus to insure his life, and provide for his family. In short, Life Insurance is applicable to all purposes of raising money on loans, where only personal security can be offered; and, generally, as affording means of certain indemnity against any pecuniary loss, claim, or inconvenience whatsoever, to which one individual may become subject, by reason of the death of another.

The moral and social influence of Life Insurance is no slight benefit both to the individual and is the community. It develops the amiable and generous traits of character, accustoms a man to think for others, induces habits of industry, economy, and accumulation, and by relieving the mind from anxiety and over-exertion, promotes health and longevity. A systematic adoption of Life Insurance, by the people of any country, would do more to eradicate panperism and crime than all the com- bined wisdom of its legislators ; so that a well-founded, well conducted institution of this description is a subject of public interest, as its beneficial effects are at least equal to those of any charitable, philanthropical public institution ; and these effects are produced without any donation, sacrifice, or act of beneficence by the public or by individuals, being the natural and easy results of the spot- taneous thrift, prudence, and forecast of individuals in conducting their own concerns.

SECURITY OF LIFE INSURANCE.

Life Insurance Companies are the most stable and permanent institutions known among mea. The experience of the commercial world can point to no such permanency, nor do any class of institu- tions compare with Life Companies for uniformity, safety, and reliability. The insured cannot invest their funds in a more sure and profitable manner; for Life Insurance is simply setting aside and investing a yearly sum, with the certainty of a safe return with accumulations ; whereas other investments, with a profitable and sure return, are not so easily found, and often end in an entire loss.

An investment in a policy of Life Insurance is far preferable to deposits it a Savings Bank. An Insurance Company accomplishes all that is done by a Savings Bank, and much besides, com- bining all the advantages of the latter with an indemnity against risks. Like the Savings Bank, is takes care of the depositor's money, and it virtually allows him interest upon his deposits: but it does more. What is of higher importance to the depositor, the Company engages, in consideration of s certain sum of money paid to it annually, during the life of the depositor, to pay a much larger som to his family upon his decease.

There are three reasons why a Life Insurance policy is a wiser investment than a deposit in a Savings Bank : 1. Money in a Savings Bank, being entirely at the will of depositors, is too easily drawn out to gratify some passing desire, and there is no strong motive to compel a regular deposit How many persons have commenced an account with a Savings Bank, and continued some time with a laudable perseverance, but at last have been tempted to withdraw, and never had sufficient conf dence to commence again ! In Life Institutions, a man, after mature deliberation, binds himself to make a deposit of a specified sum at a specified time; knowing this, he provides for it, and we can safely say, that in a majority of cases the money saved to deposit in a Life Institution, would mot de saved at all, had they not insured. 2. Money in a Savings Bank is exposed to the demand of credi- tors, while an Insurance policy is not liable for a man's debt, being held by a special law of the State, as a fund for the benefit of his family ; and thus, in times of pecuniary disaster, to which

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Trow's New York city directory, 1865, Part 295

Author: Trow, John Fowler, 1810-1886 Publication date: 1865 Publisher: New York, J.F. Trow Number of Pages: 1183

Author: Trow, John Fowler, 1810-1886
Publication date: 1865
Publisher: New York, J.F. Trow
Number of Pages: 1183