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Updated: June 21, 2025
All depositors in savings-banks, and their number in New York City is greater than that of the voters, belong to the creditor class; all holders of policies of insurances, all owners of government bonds and State and bank stocks, belong to it also.
A few months after his marriage, Chillingly Gordon effected insurances on his wife's life, so as to secure himself an annuity of L1000 a year in case of her decease. As she appeared to be a fine healthy woman, some years younger than her husband, the deduction from his income effected by the annual payments for the insurance seemed an over-sacrifice of present enjoyment to future contingencies.
"I will do so with pleasure, papa, but I am awfully stupid about business." "I shall do my best to make matters simple. I suppose you know what money your father left, including the sums his life had been insured for?" "Yes, I have heard mamma say it was eighteen thousand pounds. I do so hate the idea of those insurances. It seems like the price of a man's life, doesn't it?
The Confederacy issued one billion dollars of paper money, States issued another flood of promises to pay, cities put out municipal currency, fire and life insurances their shin-plasters, and they kept pouring out paper money until finally all the printing presses broke down.
That same night, David Boone, gaunt, tall, and cadaverous as of old, sat in his back parlour, talking with his friend Gorman. "Now, Boone," said the latter, with an oath, "I'm not goin' to hang off and on any longer. It's more than seven years since we planned this business, the insurances have been effected, you've bin a prosperous man, yet here you are, deeper in my debt than ever."
A few months after his marriage, Chillingly Gordon effected insurances on his wife's life, so as to secure himself an annuity of L1000 a year in case of her decease. As she appeared to be a fine healthy woman, some years younger than her husband, the deduction from his income effected by the annual payments for the insurance seemed an over-sacrifice of present enjoyment to future contingencies.
We insure, sir, as it has been observed, at lower rates than other nations, because we have more business of this kind, and the smallness of our profit is compensated by the frequency; the cheapness of insurances, and eagerness of foreigners to insure here, reciprocally contribute to each other; we are often applied to, because we insure at an easy rate, and we can insure at an easy rate, because we are often applied to.
So also, if a Licence is not strictly pursued, so that the voyage becomes illegal, the insurance is void. I have said that all Insurances will be void which are designed to protect voyages or trading to hostile ports.
Without such a paper you are gone, you are dead, extinct, defunct, buried alive; with such a paper, well conducted, well edited by a man of the world, of education, of practical experience in agriculture and human nature, mines, corn, manure, insurances, Acts of Parliament, cattle-shows, the state of parties, and the best interests of society, with such a man and such a paper, you will carry all before you.
Supposing the literary property to clear the debts by aid of insurances and other things, about 1835 it will come into my person, and I will appoint the whole to work off the heritable debt of £10,000. If the literary property can produce that sum, besides what it has already done, I would convey it to the three younger children. January 8.
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