PROFESSIOAL K 3. SPICER LEAMING OOUNSELLOR-AT-LAW ft. BoBeStor, Mute and Examiner in * H Chancery Office 618 Washington Street H, May Jersey F*' SAMUEL F. ELDREDGE ATTORNEY- A T-LAW OBees: Merchants National Bank Building Washington and Decatur Sta. Oape May City, N. J. NOTARY PUBLIC Solicitor and Master in Cfcancery Keystone "Phone 85A ^ ■WEST W. LLOYD COUNSELLOR-ATI AW **-. 320 Washington Street . • Or y* May New Jersey I, tum> C. HUOHES ATTORNEY-AT-LAW f Offices: (OS Washington Street 'r ' - Oape May aty, N. J. i NOTARY PUBLIC Solicitor in Chancery a BOLTON ELDREDGE ATTORNEY- AT LAW Mess: Merchants National Bank Building Washington and Decatur Sta. Cape May aty, N. J. NOTARY PUBLIC Solicitor in Chancery Keystone "Phone 86X JAMES M. E HILDKETH OOUNSELLOR-AT-LAW And Solicitor, Master end Examiner in NOTARY PUBLIC Office at No 214 Ocean .Street Oape May New Jersey Keystone "Phone 69 A dr. REU A. HAND DENTIST 'Announces that he has established feces At 118 N. 6th Street, Camden. N J. With thoroughly modern facilities for the practise of Dentistry DR. J. H. OLIVER DENTIST Estey Building, 1120 Chestnut Street Philadelphia, Pa (One door above Keith's Theatre) Appointments may be made by Bell Telephone, Walunt 1333D. Extracting painless. OHEyes Comfort .MM, only in glasses that suit, that give dear vision. Fitting giswstoTJld Eyes is a specialty with us— and to Young Eyea, too. C A LONGSTRETH ksdriMUErtTotog MBjgmrtsct 8trcet,TMT» before warns sets a Better here me to took over your tia read s. A little attention bow may save much trouble later on. CHARLES A. SWAIN, 306-7 Jackson Street

— a 1 ECONOMY Makes happy homes and sound nations; in- ; stil it deep— George Washington. Get interest on your savings by depositing them in the SE CURITY TRUST CO. Cape May City, N. J. "Phone 48 • *[» « . 1 THE FAMILY TREASURER Many men who cannot save money themselves, make their wives the family treasurer, and thus a strong reserve fund is established for future protection. A man said the other day "he would not have I had one-quarter the size bank account he has today, if it had not been for the gi id financiering of his wife." Open an Account with the Merchant's National Bank. 3 Per Cent Interest Paid on Time Deposits L V Capital $50,00000 J ; THE VIRGINIA HOTEL A. M. Ludlam (formerly of the glenwood) Open a" the year. Steam heat, Sun Parlors Rooms single of ensuite with bath. Keystone Telephone 679 A HENRY REEVES MACHINIST | PLUMBING, STEAM FITTING AND GAS FITTING JOBBING PROMPTLY ATTENDED TO. Shop Jefferson Sti, below Oorgie. Residence 116 Pearl St, Weet Oape May, N. J. Keystone "Phone 137R Estimate* Furnished Let me tell you about HAND MADE HARNESS jUBk. EXPERT REPAIRING Also a line of good serviceable horse goods. At low price SUMMER] SHEETS - - - SWEAT PADS - WHIPS JAMES McFADDEN SECOND FLOOR OF THE EXCELSIOR BUILDING ON WEST PERRY STREET A. C. GILE HOUSE AND SIGN PAINTER AND DECORATOR Office: — 5 JACKSON STREET, CAPE MAY CITY Shop in rear of Glenwood Hotel PAPER ALL KINDS STAR AND WAVE STATIONERY DEPARTMENT

PRUDENTIAL MANAGEMENT « ENDORSED BY EXPERTS J State Insurance Examiners Greatly Im- t pressed by Good Condition of Co. f As the result of an extensive and tbor- t ough investigation, covering a period of several months, Messrs. Fackler /. Pack- p ler, the expert insurance examiners who a were selected by the New Jewey lour- a once Department to examine into the g affairs of The Prudential Insurance Com- f psuy and to test the accuracy of the e Company's last annual statement, have t submitted a report which has brought j forth strong commendation from the In- i surranee Commissioner, for what is g termed, "the highly satisfactory and a creditable showing it makes for the in- i si i tut ion and those identified with its c management. t The examination covered every phase i of the Company's business; and the pro- < press made during the three years since the last investigation is best typified by c the statement that the Company's as- ■ sets have advanced from 127 million dol- « lars to over 200 million dollars, or more i than 67 per cent, while the insurance iu t force has increased from over one billion two hundred million dollars to over one billion seven hupdred million dollars, this vast increase certainly justify- 1 ing the examiner's statement that the company had shown a "remarkable growth in all respects." The cash in the Company's offices was counted at the cloee of business on De- < comber 31, 1909, and seals were placed 1 upon the bonds and stocks owned or i held as collateral by the Company, the ! examination of these securities alone, j which were all investigated carefully, requiring nearly a week. The proportion < of government and municipal bonds owned by the Company showed a marked increase, while the amount invested in stocks represents but one and a half per cent of the Company's assets. These stock holdings consist of trust company and National Bank stocks exclusively, rbe examiners noted that the proportion of cash on hand and in banks was but little more than one-half of the amount shown in the examination made six years ago. The Prudential owns and holds some of the most valuable property in the ■ business center of Newark. This has increased materially in value since'its pur ■ chase by the Company, in some cases two or three times over the original cost. The appraisal of the incompleted addition to the North Home Office Building i was a problem for tliQ^eiaininers. After ( thorough investigation, Wjth the assis- ; • tance of an architect of- very large ex- , . perience, the examiners allowed as an as- , I set the book value, "as stated by the j Company. It is interesting to know that the value of the real estate held by the Company for office purposes has increased from about eleven million four ; million dollars, which is mainly due to » the above addition referred to, made necessary by the requirements of its office force. The Company believes this will provide available office space for many years to come. A side-light on the judgment displayed in the Company's real estate investments was shown in the fact that the sales from the few foreclosures which the Company was compelled to make on its real estate holdings during the last three years have 5 realized an average of about five per cent, more than the book values of the properties involved. A large percentage of the mortgages held by The Prudential are on farms, which have proved to be excellent securities for loans, as none of the foreclosed properties now held by the Company are farms. When the State examiners began to check up the policy section of the Company's business they found that Tfie Prudential had over eight million Industrial policies In force, representing insurance iu excess of one billion dollars. Great numbers of these policies were tested and the records found to be accurate in every respect. The Prudential carried at the end of 1909 over six hun- , dred and fifty million dollars of Ordi- | nary Insurance, and in order that the ' examiners might investigate this Ordinary business without interfering with the daily routine of the Company, it was necessary to write up seventy-four ■> thousand cards for their use. Daily reports of premium collections and the essential details of policy records were tested, covering several years of Issue, without any material errors being discovered, and the fact that the Company carried on its books all policies on which premiums are being collected was well The Prudential's assets, as reported by the Company at the end of 1909, were over two hundred million six hundred thousand dollars: bnt the Insurance Department's examiners give the Company d credit for nearly a million dollars additional assets, the increase being due - principally to real estate holdings which are valued b$ the Insurance Department at about a million dollars in excess of the amount tor which The Prudential had taken credit. In addition to this item, the Department examiners also allow The Prudential additional surplus amounting to over $600,000, making the total surplus $16,722£6Q. In order to enable the Company to comply with new government requireh it e-

The Prudential has always had a re- g putation tor prompt payment of claims, and is now paying out an average of about $60,000 per business day, the aggregate amount for the past year being fl5,433j5l2_ The Insurance Department ' examiners reporting on this feature of f the Company's affairs say:, "The Oom- 1 has been very prompt in the pay- 1 ment of policy claims, and the investi- * gation of resitted claims— those already * settled and also those still in litigation, * showed that the Company contested only 1 where evidence of fraudulent intent on the part of the policy-holuers seemed so clear that such action became obligatory." The full report, of whieh only ex- 1 cerpts are given here, was very thorough v and exhaustive. It covered every detail ' of the business and required the ser.- ' rices of nearly four hundred examiners ' and assistants to complete it. PROPOSALS the Erection of Concrete Bridges and Culverts on the Second Section of the Seashore Road, Cape May County, New Jersey. The Board of Freeholders of the County of Cape May, N. J., will receive which will be opened at a meeting ' of the Board to be held at the Court i in Cape May Court House, N. J., , ^t 12 o'clock noon, on Tusedsy, Deeem- ■ ber 6, 1910, for the construction of coni crete culverts and bridges along the line i of the second section of the Sea Shore I Road. i The Board reserves the right to reject r any or all bids. ; For Plans and Specifications apply to r L. M. Rice, County Engineer, Wildwood, . New Jersey. i A deposit of $5.00 is required for each ; copy of plans and specifications, which : will be returned when the plans are re i turned. By order of the Board. CHARLES SAYRE, i L. M. Rice, Director County Engineer THE UJCEAXER YOUTHS COMPANION Since its enlargement by the addi- : tion of an amount of reading in the year ' equal to four hundred ordinary magazipages, The Youths Companion can offer even a wider range of wholesome entertainment than ever before; but , the character of the paper's contents ' remains the same, and the subscription ' price, $1.75, is unchanged. Every boy will eagerly look for the f articles on skill in sports and pastime > and how to develop it. The girls will find many novel and 8 practical suggestions which will be help1 ful in their daily life, r For^the family in general, hints foi 6 the profitable occupation of winter even8 ings, for increaaing the happiness and e comfort of the household. This reading is all in addition to the " ordinary treasury of stories, articles by ' celebrated men and women, the unequal- * ed miscellany, the invaluable doctors r article, the terse notes on what is going e on in all fields of human activity. e It will cost you nothing to send for 1 the beautiful Announcement of The e Youths Companion for 1911, and we will f send with it sample copies of the pa nor. T Do not forget ^that the early subreiber

K. M. Wentieli's furniture store, 3$ goods delivered without age, as is not the ease when purchased anywhere else and shipped by rail FREEHOLDERS' MEETING Notice is hereby given that a stated meeting of the Board of Oiosen Freeof the County of Cape May, N. J, will be held at the Court House in said county, on Tuesday, the 6th day ct December, 1910, at 10:30 o'clock A. M„ for the purpose o i settling the accounts of the county, hearing reports of committees and for the transaction of KMh other business as may properly come before the Board. AD persons having business before the Board are respectfully requested to be in attendance at that time and place. By order of the SAMUEL TOWNS END, Clerk Dated November 29, 1910. I Signs printed on heavy card board stock. 5 cents each. De you know wnaz makee a beak strong? Remember it is the (MpHal, Surplus and Undivided profits thai give security to the depositor. But ttb Is not all. The bank must have the moat earefnl management under the strictest supervision. This we are glad to tell the people of Ospe May oouxty— The Security Trust Oo. baa. 1825 THE PENNSYLVANIA FIRE INSURANCE COMPANY INCORPORATED 1825 CHARTER PERPETUAL OFFICE. 508-510 WALNUT ST Office: 608-310 WALNUT STREET PHILADELPHIA, PA. CAPITAL .. $750,000.00 i ASSETS $7,332,524.10 1 SURPLUS $2,283,426.43 Directors R. Dale Benson John L. Thompson J. Tatnull Lea Charles E. Pugh j Richard M. Cadwalader W. Gardner Crowell Effingham B. Morria , Edward T Ptoteabury. Edwin N. Benson, Jr. j R. DALE BENSON, President JOHN L. THOMPSON, Vice Pres. e W. GARDNER GROWKLL. Seek. HAMPTON L. WARNER. Asst. Sec. WW. J. DAWSON. Pec'y Agency g Department g A. W. HAND S. F. ELDREDGE — HAND AND ELDREDGE , LOCAL AGENTS ! Merchants National Bank Building, or 315 and 317 Washington Street r Cape May, N. J.

SWEATERS i FOR MEN, WOMEN AND CHILDREN h ' — \ ' There is nothing more acceptable for a Christmas Gift than a ■■ Sweater. I We have them for Men and Women at prices ranging from - $1.00 to $5.00. ; For Children from 50c upward !• according to size. * Hall's Dry Goods Store j 226 Market Street ■ PHILADELPHIA. PA i# ■" rrffHHs