..<X> * Ft*
\
THE LARGEST AND BEST SELECTED
Stock of Goods
Is just being openad at the well-known STORE of
GBO. H. CORNELS ON,
And fin early inspection of the same ia cordially solicited, guaranteeing that it
ta only neceeaary to look at those BEAUTIFUL GOODS to be indueed to buy,
as no competition against them is feared. All DEPARTMENTS arc completely as
sorted, the'pricea put below all COMPETITION, aud it will be the pleasure of ihe
PROPRIETOR and his ASSISTANTS to show them freely and courteously.
It frill well repay the trouble of giving the entire STOCK a full inspection.
George H. Cornelson.
WILHELM -THEODOR MULLER
HAS EEPLENI3HED HIS STO'JK OP EATABLES, Ac.
FIVE KINDS OF IRISH SEED POTATOES.
ANOTHER LOT THOSE FINE TONGUES.
PUTCH HERRINGS,
LIMBURGER KASE,
1 BALTIMORE BALONYS,
8HADINES,
FINE BALTIMORE CANDIED.
LEAF LARD, A. No. 1?in 3 pound, 5 pound, and 10 pound cans.
: * LABOE LOT OF
SHOES, DRY SALT AND SMOKED SIDES,
Western and Augusta Flour, '
Another Lot of lO cent Hams,
GRIST AND MEAL.
rfeSy? AU packages delivered free of charge.
fob n
OWEN DALY'S STABLES.
These LIVERY STABLES are situated on
Assembly and on Washington Htrccto. Atten
tive hostlers??d good drivers always present.
The beat ?tock ana the best turnouts "in the city,
including rockawaye, bretta, buggies, etc., etc.,
Ibr family use, or for parties, or pleasure, will
"be furnished at short notice. Our terras are
aafe, our prices are liberal, and oar stock equal
to the demand. 13
NOTICES ~
to
SUBORDINATE DIVISIONS.
Office OF O. 8, G. D., of S. C,
Columbia, S. C, Nov. 1871.
Orders for Supplies of every description di
rected to this office will be promptly attended
to, and the Supplies furnished at the same rale
as in New York or Bonton.
THOMAS J. LaMOTTE,
4- Grand Scribe.
Universal
LIFE INSURANCE COMPANY
We are denirous ofsecuring the services of a ha 1 f
dozen canvassing agents in South Carolina for
the UNIVERSAL LIFE INSURANCE COM
PANY, of New York, with whom liberal terms
will be made. We desire also, responsible lo
cal agents for each town in the Stute.
M. W. GARY,
M.C.BUTLER.
State Superintendents of Agencies.
cirijsoTir?
GEFERAL INSURANCE AGENT,
columbia, S. C.
Office opposite the Columbia Hotel, in
rear of Mr. W. J. Duffie's Book Store.
GEO. HUG GINS.
13-26_Agent.
W"ide--A-walte.
Agents Wanted Everywhere.
Boyu and girls, men and women. A dollar
magazine and a splendid premium Chromo to
every tsubscriber. All the margin given to
agents. 50 per cents profit. Don't delay I
Address F. G. RICH & CO.,
apr 20_Portland, .Vc.
~ DR. T. BERWICK LEgTreT"
DENTAL SURGEON,
Graduate, Baltimore College Dental
Surgery.
OJftee, Market itreei, Over Store of J. A. Hamilton.
leb 14
WILLIAMS, BURNIE ?Tc?T,
OMMISSION MERCHANTS,
?fi Beaver street and 29 ICtthannt Platt, AT. I'
11-36
FOR SALE.
AN ADAMS' COTTAGE PRESS, with Chase
and Roller. Print* 6 by 8 inches; will be no Id
tor half of original cost. Addrean.
F. P. BEARD,
_Columbia. S. C.
CHARLESTON, S. C.
BOARD, PER DAY, $2.50
R. Hamilton, Mrs. M. L. Butterfield,
S?pm^M*nd*M. l\?)n ielrtts. !
A. BETTANCOURT
Ag knt.
IMPORTER OF AND DEALER
in
SEG ARB, TOBACCO, PIPES
and
FANCY ARTICLES.
373 KING STREET,
CHARLESTON, S, C.
A pi 12-3 mos._
DANIEL, II. SILCOX~
FURNITURE WARE-ROOMS,
Nos. 175 and 179 King Btreet.eorner of Clifford
Charleston, S. C.
A full and large assortment continually on
hand and ut the lowest prices. Call and ex
ami no. 1-tim
E. K. STORES,
Columbia, S. C.
Main St., Opposite the Phoenix Office
Keens constantly on hand a full line of Staple
and Fancy Stationary, and a large assortment
of Wriitng Desk*, Ladicft' Work Boxe?, Album?,
Autograph*, Port Folio*, Gold Pens and Pencil
Cases, Portmonics, Ac, Ac.
Blank Books of a11 kinds, such
as Sheriff's, Clerk's, Judga of Probate,
County Commisionrrs, <Sc, on hand and
made to order?ruled to any Pattern, oi
the best Paper and materials, with or
without printed Headings; also paged
or indexed, as required.
Special attention given to the Binding
of Music, Periodicals. Law Books, and
all the other work in his line. 13-26
JAMES ALLAN
DEALEIt IN
WATCHES, CLOCKS, JEWELRY, STER
LING SILVER,
Spectacles, Eye-Glasses ano Fancy Goons
No. 307 King Ktrcet,
_Charleston, S O._1-26
Save ITour Money!
J. P. H Aft LEY'S
AND BUY CHEAP
DRY GOODS, Boots, Shoes, Hats Caps
tfcc, of which he has just received a fresh
supply.
also,
FLOUR of all grades
BACON,LARD, SUGAR and COFFEE
of all grades.
Besides numerous other articles in my
Grocery Department, all of which I am
selling at prices not to he excelled for
cheapness in the town. Come and sec
for yourselves.
All peroons indebted to me must
pay up immediately, as I am compelled
I to close my books. A word to the wise
is sufficient. J. P. HARLEY.
feb21
BUSINESS DIRJS0TORY.
Advertisements inserted in this Cu.umn at SO per
annum.
BROOK BAN KS A COe, Fmitcr* and Confec
tioners, Main Htrcet.near ih? Hute Capitol, Col
umbia. S. C. 7
Fair Notice
TO
LIQUOR DEALERS.
Wishing to make a change in our business, we offer for sale our large and entire
Stock of
LIQUORS
CONSISTING OF
BRANDIES, CORN AN? RYE WHISKIES, &0.
And a large lot of
JUGS, BOTTLES, FLASKS, Ac,
St
Cost and Carriage.
WHOLESALE AND RETAIL.
W. M. SAIN & CO.,
NEW STORE! NEW GOODS!!
N E W R PTC E S!!!
OPPOSITE J. IP. HAELEY'8.
I take great pleasure in informing my numerous Customers and the Citizens of |
Orangeburg generally, that I havo removed to the
4 TREADWELL CORNER"
Hereafter to be known as
1\L eroney's Corner,
And am now opening a choice and varied stock of goods, consisting ia pait of
BACON, Lard, Flour, Molasses, Syrups,
bugars, Coffees, Mackerel, Caun Goods of every description,
Confectioneries, Pickles, Cateups, Tobaccos.
SUGARS FROM 2 1-9 TO 15 CENTS.
Fruits, Nuts, Crackers, Jellies, Sardines, Soap, Candies, Sell
liaising Flour, Herrings, Raisins, Potatoes, Pipes, Ac.
THTH " situated in the rear of the Store, and is furnished in the
most Mod rn Stylo, with the choicest Whiles, Champagne Cider, Ale, Beer and
Liquors of all kinds. *'
1 can and do ?eil goods cheaper than they can be bought elsewhere in Orange
w?rg. Come one! come all! and give me a call,
apl 3?tf_. A. MERONEY._
B U L L, SCO X I L L & PIKE
V ?* * - - Jf
Arc almost daily receiving additions to their large Stock of
(> E N E R A I. MEBCHANDIZE
BROWX COTTONS AND DOMESTICS,
Now in store, purchased before the advance
Just received a full Stock of
BOOTS AND SHOES.
ALSO,
HARDWARE, NAILS, Ac., together with
AGRICULTURAL IMPLEMENTS, for farming purposes.
GROCERIES in full Stoek, consisting in part of
BACON AND DRY SALT MEAT.
FLOUR of the well-known brande.
SUGAR AND COFFEE which defy competition in price and quality
.Argents for
ATLANTIC PHOSPHATE,
Coc'a Phosphate,
Wando Fertilizer,
Pacific Guano.
Manipulated Guano,
Guanape Guano, as well as
LIME, LAND PLASTER, Ac, constantly on hand.
ea-Wo are also agents for well-kuo wu FIRE AN LIFE INSURANCE
COMPANIES:
GERMANIA, of New York.
Andes, of Cincinnati, O.
Equitable Life Assurance Company, of New \ork
And la ;i, but not cast, the celebrated
SINGER'S FAMILY SEWING MACHINES, an exhibit is sufficient.
We have and do sell the goods.
BULL, SCOVILL, & PIKE.
fob 14
THE PLACE TO GET THE BEST BARGAINS IN ORANGEBURG IS AT
KOHN'S
Dry Goods Bazar,
Where will also be found the largest and cheapest Stock of
Dress Goods,
Notions,
Clothing,
Domestics,
Piques,
Boots,
Shoes,
Ladie*' Gents and Children's Hats,
Ac, Ac, Ac, Ac,
THEODORE KOHN & BROTHER
The Citizens' Savings Bank
OF SOUTH CAROLINA
ORANGEB?RG BRANCH.
Will pay 7 PER CFNT. INTEREST on SPECIAL DEPOSITS and 6 PER CENT, on ?UV
ING8 DEPOSIT?, Compounded Semi-annually.
Local Finance Committee;
Hon. THOS. W. GLOVER.
Col. PAUL S. FELDER.
Capt. JOHN A. HAMILTON.
JAS. H, FOWLES,
mch 19-1 v Assiftant Cashier.
DR. E. J. OLIVEROS,
ORANGBBVRG. 8 C
DE.4LER JN
DRUGS, MEDICINES, CHEMICALS,
FINE TOILET SOArS, FANCY HAIR AND TOOTH
BRUSHES, PERFUMERY AND FAVCY TOILET ARTICLES,
TRUSSES SIiOULI>"EI^-13IiA.OE8,
GRASS ^IND GARDEN SEEDS.
PAINTS, OILS, VARNISHES, AND DYE-STUFFS,
Letter-Paper, Pens, Ink, Envelops, Glass, Putty, Cart on Oil, Lamps^ond Chimneys
Physicians'PnicscBimoNs j-iccf batelt <k)MrorxoED:
inch 13 lyr
THE UNIVERSAL. LIFE
iiti'irt huf
INSURANCE COMPANY,
If.! 1" A ' *" ? V;"'': r Iff
69 Liibertv Street, New ITork,
The Original Stock Ltfe Insurarco Company of the United States
OFF IC E R S;
WTL1SIA M W A LKEli. President.
HENRY J. FUBBER, Vice-President. JOHN II. BEWLEY, Scurctarr.
GEORGE L. MONTAGUE, Actuary. L). W. CAMBERT, M D., Medical Eiani^jgN
Tuis Company Oilers the Following Itnpuriur.t Advantages to thosa AhuBp*
Elf. cling lusurame <?i their Live*.
1st. Insurance at Stock Rales, being from 20 to 30 Per Ctut. les* than the Rate? chsrg?l Kyt
Mutual < 'ompanif >.
2d. Each Policy-holder is rcgirded a* a S'otkholder to the extent of one Annual Premium
on hin Policy, and will shar.? in the Profits of the Company to lh?. name extent a.i a Stockholder
owning an equal amount of the Capital Stock.
3d. Every Policy Uvmcd by tlje Company i; uon-forfcitable, and contain* a Clauac ?ining it*
exact Surrender Value.
Befoue lxavniNG Ywu Life on Art Km no tue Aoexo of ant CoxrAsr
RS AD THE FOLLOWING 5
A lengthened experience has dcrvonstratcd that the rates of Premium ordinarily iharped be
Fife Insurance Companies arc from twerity-tive to thirty per o nt. in cxvws* of what are Hcc*smry
for a safe and legitimate condiK t >f the busine??. Im other tvurd?, caretnlly and prudently man
aged Companies charging "Mutual" rates have been able to return to their polhy-holders frt.m
'Iii to 30 |k?r cent, of the amount charged for premiums.
When Life Insurance Comparies were first crjj?nij'.cd, the reliability of the data upon which
the premiums were constructed hud not undergonc^the tc-t of experience. It v,r.s thought, tin n -
fore, no more than common prudence to adopt a scale of premium* which would, in any went,
meet all the presumed and unforsecn contingencies o' the Business,
An long as the matter was involved in some doubt, it wa* better to fix the rat? too high than to
incur the risk of making it too low; because, in the former ca?c, the error could be easily reme
died, at least in part, by returning to iht* policy-holders, nt eertain intervals, Mich portions of the
premium charged as was found unnecessary for the purpose* of the business and- the complete
security of the Company.
Experience, however, having satisfactorily demonstrated that these rates arc excessive, what
possible excuse can there be for maintaining them?
Availing themselves of this experienco, the Directors and Manage?? of the Untrer ml Lit t h>'
au'ronee Company at its organization, adopted a acalo of premiums in accordance therewith*, and
which has proved to be fair and adequate, and all that was necessary to meet thercquirtmcntsof
the business. ^ These premiums arc about twenty-live per cent, lower than those charged by Mu
tual Companies.
It also appeared, inasmuch as the rates so established were as near es could possibly be dcttr
mined fair rates, and not in excess of what Insurince has previously cost the policy-holders in
Mutual Companies, that any profits arising from prudent management justly and properly be
longed to the stockholders of the Company, for the risk incurred by them in undertaking the
business.
Experience has shown that there are sources of profit in the practice of the business which
theory will not admit of being considered as elements in the calculation of the premiums. These
result from a saving h. the mortality of *.ho members of a Company owing to the medieal selec
tion of good lives, a gain in interest on the investments of the Company over that assumed in
the calculation of its premium*, the profits dciivahle from the lapsing and surrender of Policies
by the members, and from other minor source*.
"Profits from these sources, in a company jH.'?sevcd of a capital of $200,000, and doing a fiur
amount of business, would give to the stockholders dividends largely in excess of what were
counted on by the Directors of the Universal it the time of its organization. They have, there
fore, determined to divide among the policy holders of the Company a large part of the profits
accruing from the sources named, all of which have heretofore been divided among the stock
holders.
The plan adopted for such dividends is ar. follows: Every person who may hereafter issure
with the Universal will, for the purpose of division, be treated as a stockholder to the extent of
one Annual Premium upon his Policy ; ami tri// share in the profits of the Company to precisely the
same extent <u a Stockholasr owing on equal amount of the capital stock.
Bv this system of Insurance, original with the Universal, the policy-holder secures the follow*
ing important advantages:
First. Insurance at the regular "Stork" rates, requiring a primary outlay of about tventy
to thirty per cent, less than that ejtarged by Mutual Companies, and which Is equivalent to a
yearly "dividend" paid in advance ofthat amouut on mutual rates. This low cost of insurance
is worthy of attention. Since its organization this company has received in premiums from its
policy-holders the sum of $1,517,000. To effect the same amount of insurance in a Mutual Com
pany* would have cost them an initial outlay of $2,000,000. By allowing its policy-holders to re
tain in th air own possession this excesH ot $483,000, the Universal has virtually paid them a
"dividend" of $483,000, and paid it, too, in v.dvance, instead of at the end ef one or more yean*.
It is impossible to find any example of a Mutual Company furnishing insurance at so low a cost
by returning to its policy-holders an eipinl amount upon similar receipt*.
Second. Participation in the legitimate profits of the Company, upon a plan which secures to the
policy-holders the same treatment which Directors and Stockholders anxtrd to themselves. This system
of participation, in connection with the low "stock" rates of premium, most necessarily secure to
the policy-holders every advantage to be derived from prudent and carcftil management.
The low rates of premium compel economy, and, independent of participation, guarantee to the
policy-holder his insurance at a rate which is not in excess of the cost in well managed mutual
coropaniesr while, hy the proposed plan of participation in what may be considered the legiti
mate profits of the business, the cost will be still further diminished.
Thus by tho combined advantages arising from low stock rate and participation in the profita
it is confidently believed that the UNIVERSAL LIFE INSURANCE COMPANY ofirrs in
surance at its lowest practicable cost.
t?r*Tlios? of the existing Policy-holders who desire to participate in the Profits under the new
Plan can do so by making replication to the Head Office, or to any of the Agents cf the Com?
P*ny.
The company is in a sourd financial condition.
Patio of Assets to Liabilities 140 to 100.
KgrGOOD RELIABLE AGENTS WANTED, who will deal direct with the New Yore
Office, and to whom full General Agents' Commissions will be paid.
M. W. GARY,
U. C BUTLER,
State Superintendents of Agende?.
Columbia,!*. C, September 11th. 1ST I