Age.

Ex-pec-ta-tion in years.

Age.

Expectation in years.

Age.

Ex-pec-ta-tion in years.

Age.

Ex-pecta-tion in years.

Age.

Ex-pecta-tion in years.

o

28.15

20

34.22

40

26.04

60

15.45

80

5.85

1

36.78

21

33.84

41

25.61

61

14.86

81

5.50

2

33.74

22

33.46

42

25.19

62

14.26

82

5.16

3

40.01

23

33.08

43

24.77

63

13.66

8.3

4.87

4

40.73

24

32.70

44

24.35

64

13.05

84

4.66

5

40.88

25

32.33

45

23.92

65

12.43

8.5

4.57

6

40.69

26

31.93

46

23.37

66

11.96

86

4.21

7

40.47

27

31.50

47

22.83

67

11.48

87

3.90

8

40.14

28

31.08

48

22.27

68

11.01

88

3.67

9

39.72

29

30.66

49

21.72

69

10.50

89

3.56

10

39.23

30

30.25

50

21.17

70

10.06

90

3.73

11

38.64

31

29.83

51

20.61

71

9.60

9'

3.32

12

38.02

32

29.43

52

20.05

72

9.14

92

3.12

'3

37.41

33

29.02

53

19.49

73

8.69

93

2.40

14

36.79

34

28.62

.54

18.92

74

8.25

94

1.98

15

36.17

35

28.22

55

18.35

75

7.83

95

1.62

16

35.76

36

27.78

56

17.78

76

7.40

17.

35.37

37.

27.34

57.

17.20

77

6.99

18

34.98

38

26.91

58

16.63

78

6.59

19

34.59

39

26.47

59

16.04

79

6.21

In the settlement of estates where the widow is entitled to a third interest in the real estate, or a " dower " interest, as it is termed, as long as she may live, it becomes necessary that some definite calculation be made as to how long the widow will probably live to receive this interest. This matter being determined, a calculation can readily be made as to how much she is entitled to at present, which being ascertained, the estate can be satisfactorily settled. To illustrate, by the above table, which is generally adopted in the settlement of estates, it will be seen that, if the widow be 60 years of age, she will probably live 15 and 45-100 years longer, or until her age is 75 and 45-100 years.

By the following table is given the value of an annuity of one dollar from 1 to 35 years at 5 per cent. per annum. Thus for 15 years the value of one dollar will be $10.3796. Suppose the widow's dower interest in the estate to be $100 per year. To find the present value of the widow's interest, therefore, multiply the $100 by 10.3706, and the result is $1,037.96, which is the amount that the widow is entitled to in the settlement.

Years

Dollars,

Cents and

100ths.

Years

Dollars,

Cents and

100ths.

Years

Dollars,

Cents and

100ths.

Years

Dollars,

Cents and

100ths.

1

•9523

10

7.7217

19

12.0853

28

14.8981

2

1.8594

11

8.3064

20

12.4622

29

15.1401

3

2.7232

12

8.8632

21

12.8211

30

15.3724

4

3.5459

13

9.3935

22

13.1630

31

15.5928

5

4.3294

14

9.8986

23

13.4880

32

15.8026

6

5.0756

15

10.3796

24

13.7986

33

16.0025

7

5.7863

16

10.8377

25

14.0939

34

16.1929

8

6.4632

17

11.2740

26

14.375

35

16.3741

9

7.1078

18

11.6895

27

14.6430