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two dollars per annum. }- GOD A.3STD OTJR OOTTNTRY. always in advance VOLUME V SATURDAY MORNING, FEBRUARY 9, 1878. NUMBER 46 DeTreville- & Hey ward ATTORNEYS AND COUNSELLORS AT LAW OrangcburK C. II., S. C. Will praclico in the various Court? ?IT th? State* Vf. J. DoTrevillo, James S- Ueyward juneS tf. W. B. TREADWwT DENTIST Will attend to patients af their resident? either in Town or Country. Address through Post Office or call on me at resi dent Coucr RurkcI and Treadwell Streets. Prompt attention will be given and satis faction guaranteed. W. B. TREADWELL. nov 3 ly DENTIS TRY. Dr. L. S. Wolfe can be found at bis office over Ezekiel's Store where lie prepared to execute work on tue most improvol irtylcs, at sliort notice and at rea-onab prices' All work guaranteed. inne 30 tf. Knowlton & Wannamaker, . ATTORNEYS and COUNSELLORS AT LAW, Orangebnrg C. II., S. C Aus. U. Knowlton, F. M. Wannamaker, Urangcburg C H. ' St. Matthews, mnv 5 1877 tf HORSESHOEING AND BLACKSMITH WORK BY THOMAS B* A. TT. (Hussell St- Opposite Hurley's Corner.') All manner of Smith work und Home? hboving properly done. Fancy Sen 11 work. Hailing f<>- Grave Lot*. A trial solicited. THOMAS HAY: sept 1 tf. E. R. COWPERTHWAIT, PTJKNITURB WARE UOOJHS, 205 KINO STREET, V\ .?.wt/sM? iVnnm lidnrj nhrue Went GIN K GEARING, SHAITING AND BOLTS CHEAPER THAN EVER BEFORE AT TH IS FOREST CITY FOUNDRY AND MACHINE WORKS, |GEO. R. LOMBARD & CO., AUGUSTA, G A. ENGINES, COTTON SCREWS, MILL GEARING And Machinery off Kinds Made and Re paired. oct27 12?0] 62 ESTABLISHED IN 1871. GEO. 13. EDWARDS, Cotton and General Commis sion Merchant, Charleston, S. Prompt attention given to sale of Cotton, Peas, Corn, Hice aud Produce of nil kinds. Merchandize bought free of Commission. Agent at Charleston for State Line Ocean Steamships between New York, Ulupgow, Liverpool, London and all parts of Europe. References?Bank of Charleston. Ja?. Adgcr & Co., Charleston, S. C. sept I in MTJSIO FOR ALL. Prof. ANTON BE ltd ?flers to instruct on the Piano on the most reasonable terms, Nino Lessons for $2.50. The greatest caro will be taken to give satisfaction. Ladies who wish a finishing touch to their Musical Education have an opportunity to go through a course of Uer ' tini's and Cromer's, Ehude*, Mo/ard and Bethovcn's Senates. ANTON BEnp, Graduate from the Conservatory of Stockholm. ?ept8 tf Cheap by A. FISCHER. An Interesting Paper. BY DR. W. F. BARTON. j M orthy Master: To the subject of Life Insurance I have given much thought for the last three years, especially since the fail ure of so many so called Life Insur ance Companies, which has entailed ou their policy hoidors the loss of mil lions of dollars, I thought there must be some better and safer plan which all could comprehend,?-some plan by which Life Insurance could be ob tained at cost or nearly at cost In looking around I found (hut the Masons, Odd Fellows, Physicians, and Conductors and Engineers of Railroads, had their Mutual Aid So cieties, all of which, as far as I could learn, were in successful 6pperation on the mutual plan and were doing much good. 1 found also that insur ance, pure and simple, was successfu 1 with the Masonic fraternity and oilier societies, whose members are largely residents of cities and villages. Then certainly it ought t > bo availabl ) for farmers whose surroundings are ho.il thy, ami who are less thai) any other class exposed to the ravages of con tagious and epidemic diseases. We have organized the Patrons Aid As sociations of Orongeburg, which is duly chartered. We have been suc cessful in obtaining members thus far, and hope wo will accomplish much good. But there bus been one serious trouble to contend with, which is in the way of every enterprise in augurated for the benefit of our class. We its farmers are ?low to move. We are not independent in. our'judgment; we do not rely oii ourselves. Far mers are naturally cautious and over suspicious. An oily tuiigttcd agent, however, generally has lilt !e trouble in bringing them to say black is white , and that white is black,and here is the obstacle in the way of making progress withgood institutions for the benefit of farmers. They wait to he drummed, they hifYe got used to it, }m><L^ju^^iev^Ui;rj)t ji'-L to nuw.e _-.-/ml, but ought !>? wail ? HpS^^ursuaded coaxed, and talked Tnto action. This agency drumming system is the main thing which has made ordinary, j ife Insurance bo costly. It is what has added im mensely to the expenses of conduct ing every kind of b? si mas 'Ibis is one ofthe things we hope to do with out in our Mutual Aid Association. An agent of Ordinary Life Insurance Companies is allowed a large per cell tu ge for securing policies, on our plans no commission are paid. Another matter which adds to the cost of insurance in our old style companies is the enormous outlay in building offices, and extravagant sal aries. The simple truth is that Life Insurance as it has been conducted is a cheat and a sham. The impu'sc which should actuate a person to in sure his life for the benefit of those who are dependent upon him is a no ble one. The inducements which are set forth by our Insurance Companies do not appeal to man's better nature, but seek to excite his ambition for gain and speculation. Paid up poli cies and tho dividend or returu pre mium plan have been devised to meet tho popular desire for speculation. An insurance company which charges a man twice as much as it is worth to carry a policy so that it can return to him a dividend and make him fed that ho is making money out of somebody e'se, when ho is really get ting back a little of his own money. The more complicated the plan of insurance by a company to tho aver age mind tho better peop'c scented to like it. How many farmers will take the trouble to uuderstand tho three dif fercnt kinds of policies offered in the schedule belore becoming insured un der the p'au that pays the best profit to the agent, for bo will recommend this plan most strongly ? On the first plan wo ' fiud tho lowest yearly rate to insure a person of any ago for the sum of 81,000 is $17.64. This is a higher rato thau is paid for any ago in any company liko the Patr ons ' Aid As ocial ion of this county. In the oldest Masonic Company of this kind the yearly cost has never ex ceeded 1-4 per cent, of the amount of insurance. In other words, out of },000 members never more than 12 have died in one year and the average for a series of years has been lesa than 10 out of a thousand. The Patrons' Aid Society of Elmira, N". Y., of I which I am a member, has been or- i ganized three years, and for over a i year and a half they have had over a J 1,000 members, and have had alt ?- ! gether 20 deaths up to the present time. Iu other words, the present members of that Society have had an insurance near three and a half years for $20, which would have cost tho | youngest in our costly companies more than three times that amount and the oldest members more than ten times us much. It is sometime*) claimed that on ourplan the oldest members have the advantage, and y^t, the youngest se cure their insurance at less than in the ordinary companies. It is true that all, old* and young, pay a like amount in the event of death in our association; but the foe for member ship consideration will be given to itie age of the applicant after our an nual meeting in 1879. A person sixty years old will pay four or live times as much as one of 25 years old. The payment to carry insurance, so to speak, is more of the nature of brotherly charity than of a premium. We do not pay a fixed amount each year, but join together in a compact to pay whenever there is a death of a member. What we pay goes not to enrich any stockholder, managers or officers, but directly to the repre sentatives of the deeo iscd. The very simplicity of this plan makes those who are. accustom d to the incompre hensible plans of the old computes afraid of it. There seems to be an indescribable pleasure of being helo^j-tl by the intricacies of so called Li c Insur some mysterious way is i neun raged. But on plain simple Life Insu ranee on the purely mutual plan, there is nothing to encourage the hope of speculation. There is nothing bey ond affording an opportunity to pro vide aid for our friends iu tho event of death at the lowest possible cost, and in tlie most Jcasouable and easy manner. The whole expense is paid from time to time in small a mounts; there is no inexorable pay day on which the premiums must be met or forfeiture of policy follows. There is ample time given f>r the payment of the small amount, and if for any cause there is a failure iu payment, restoration is easily effected. I have spoken of the first plan of Life I usur- ? a nee in the table of rates given above, The second plan you see contempla tes a larger annual payment for 10 years, at which time should the in sured be living, he is entitled to n paid up policy. Agents would have n young man of 20 years, suppose lie is to get 81000 for $382, for that is all ho is asked to pay. But he is not to receive anything, and tho comp any has th's monoy of his at interest of course, it is a safe speculation for tho company. It is more plainly seen in the third plan or endowment policy. Here the young man of 20 pays 8102; -8 annually lor 10 years and then he is entitled to $1000. This looks very liberal, but after nil he is paying fully a= much for his in suranco during the 10 years as in the first plan, and if wc leave the life risk out of the question, as many do, aud go into it as a speculation, com - pare the result of depositing $102 58 annually in a Savin.s Bank or put ting that amount at interest each year for ton yeaiv; iu one case over $1000 is paid to the Insurance Company, and the Company receives tho benefit of the inter est tho insured getting back $1000. In tho other cas the money is earn ing something foi the man to whom it belongs. Ho has the hcnelit of the nterest. It would amount principal und interest to nearly $2000. I a 1 ways abhor tho idea of combining the sacred duty of life insurance with speculation. Though often impor tuned I thought 1 never would have anything to do with it, but unfortu nately for me I was attacked by two oily tongued agents, (they beat the lightening rod men in persevcrenee, ) and they captured me aller a hard struggle on my part, the result was the failure of the ccmpauy and the loss to mo of hundreds of dollars. How many are there here who have had the like experience? I then de termined to have nothing to do with 1 ife Insurance until .some safe ami more practical plan could bo found. The desired plan I found in the Mo tual plan' of insurance. This plan met ray views of what Life Insurance should be. When insurance can be had in a Company managed by good, faithful officers, I hold that a man is dis charging a most sacred duty to his family when he lakes membership and provides for those dependent on him for help in their time of sorest need. I cannot better illustrate the good of such socitties tha i by givin g you a letter received by the Secretary from one of tue latest beneficiaries o f the Bimira Aid Society. She writes: "I cannot express my gratitude to yo u and brothers in our beloved Order for the benefit received through the Aid Society. It will prove of great assistance to me and my family as there were claims ngaiust our homo which would have been impossible for me to meet had it not boon for the timely aid received from your Society." The husband of this lady was a highly respected farmer in the prime of life ; he had enjoyed excel lent health up to the time of his death. He was killed by his team taking fright and running into a train of cars; his widow received from the Socio y SI,00". Similar letters have been received from other i eueficiu rios, and the members paying their a.-?css merits do not do it grudgingly *>T'i ? ?>.?? ? ?;? ... !???: -..-r .... tho gratifi ation it gives them to con tribute to aid a Sister or a Brother in their hour of need. How different in all their workings are these Soci eties, which arc built on the solid foundations of Brotherly Charity, from our stock Insurance Companies which are built on the greed of man for money and nre managed accord ing to the principles of all inonopo lies? "But," say insurance agents, "your Societies are ropes of sand." 1 venture ihe assertion that they are more enduring and secure than the monopoly companies ; let ouo of them speak for the rest. (Here we have it:} These Companies now number 41. Six years ago there were 09 Life In surance Companies doing business in the Statt; of New York. Twenty eight pi them have ceased business, and mostly been absorbed by other Companies. In each of these 28 cases this result has been brought about by high expense of manage ment. Insurers should thou look closely to this all important point in Life Insurance management, for a large ipeuso ratio not only denrives a policy-holder of tho dividends that so justly belongs to him, but may drive the Company from business entirely. During the last six years 23 out of 69 have ceased to do business. The people are dropping these costly institutions, They took in money so rapidly during the flush times, and in the early stages of insurance that the managers became outrage ously extravagant, the money was ruthless ly squandered and as soou as payment commenced and receipts grow less, their worlhlesness began to manifest itself. The panic was all that was necessary to cause thorn, to collapse. Many ofthe Stock insurance Comp anies have been hugh swindles, but little above the lottery schemos in theif methods of extracting money from the masses for tho benefit ofthe few. On our plan money is not paid i n to accumulate in large amounts to <.il'er temptations to extravagance. When needed it i? culled lor und every member holds his own capital and has the benefit of it. But there is another significant fact As much as insurance men have to say about the worthlcssness of the mutural p!au, I think not one of the 28 defunct companies was a Mutural Company , but every one was a stock company But I will not trouble you with a longer essay; this is a great subject and I tear I have already taxed your patiene?. But before closing 1 desire to say that I have no pecuniary interest in the advocacy of the mutual plan of insurance. My desire is to do good and to save my brother farmers from imposition and fraud, and to advance the prosperity and usefulness of the order of the Patrons of Husbandry. ??rap- - - ? mmt ? Return of the Jews to Palestine. The Interior makes the following wise, as well as witty remarks upon the lijerali/.ing of Scripture promises and prophesies : This literalizing of the sublime promises and prophesies of the triumph of the Church of Christ, down to a promise that a particular race shall go back to the now almost barren land of Palestine, nil edit, fn hn fonaiofont ruitl? Ita.-Jt" n nA d? " " ? -? ?-....... . Ww>. ?...v. look at existing facts. The present population of Palestine is 300,000? all that it will support in the most starveling way. The area of Pales tine is 12000 square miles. The pre sent number of Jews in the world is 6,000,000. If located in Palestine the population would be 500 to a square mile. But the population of China is only 303 to a square mile; of Prance, 172; of Hindostan, 120. England, an extended city living off n.anufactures and commerce, has 372. If a third of the Jews were to go back to Palestine they would starve to death. Now, we call attention of the exegetes to the fact that this showing appeals direct! v to their bowels of compassion. Are they willing to starve a matter of five millions of Jew.- to death for the sake of vindi eauirg"^ieir b^c^nimj t ?' ~ Home Life of the Ancients. It was a dismal, rainy day in De cember. Socrates, who had no um brella, aud in fact didn't have time to live until the first one was made, stood on the front steps of his house, drawing his cloak around him, before venturing down the street. From the opposite side of the street his friend Thermeues, passing by, familiarly hailed him as 'Soe,' and shouted : 'Blustery this morning.' ?Yes,' replied the philosopher, it's cold.' 'Hey?' suddenly shot the voice of Xantippe from a second story win dow, 'hey ? what's that?' 'I said,' exclaimed Socrates* promptly throwing up his guard and backing prudently into the doorway; 'I say it's scold.' 'buid what?' was the sharp rejoin der; 'you say that again, aud sity it slow.' 'It's cold,' repeated the philosopher; 'it's scold; its cold; its scold as ice, I said.' There was a moment's silence, dur ing which Xantippe appeared to bo buried in profound thought, while the great disciple of Auaxrgoras occupied the painful interval by grilling up his loins and tucking his trowsors i n tho tops of his boots, and making olhor preparations for a lively run. Presently there came from tho win dow : 'You hold on there a minute, young man, till I come down. I want to see you a raiuuto before you go down town.' There was fierce, rapid flapping of Attic 8audals upon tho wet pavement, tho wild rush of a cloaked figure through the pelting rain, and ten minutes later Socrates"was explaining to Plato and Xenophon that ho had chased a streetcar all the way from the Peiruic gate, and was elear out of breath.?Haw key e. ??m> ?-?????^?~? Women should study to be smart, but novor shrow-ed< Eli Sees Beecher. [From (he Inter'-Ocean."] Oil City, Pa., January 31, 1878. ?This morning as I got into tho Erie cars, alter a lecture in H?rne Us villc, I met my old friend Henry Ward Beecher. Mr. Beecher looked rough and ruddy. His face blushed rosy with health, and bis eyes glit tered in a way indicac ing anything but a torpid liver. After talking n few moments, I turned to tho great preacher1 aud asked bun this question : 'What is this now doctrine you are advocating about no everlasting hell for the wicked and depraved ? Why did you auuottnco your belief in no* perpetual hell, Mr.Beecher?' ?Well,' replied Mr. Boecher, 'I had particular reasons for doing it, but I don't want to give them.' 'Don't you want newspaper men to know tli?in?'I asked. 'Yes,' said Mr. Beecber, 'I do want newspaper men to know my reason for declaring no everlasting hell for the wicked aud depraved, but I don't care about the churches knowing them.' 'Well, why did you conio out against everlasting punishment?-tell me, won't you ?' I said coaxiugly. 'Yes, Eli, I will tell you my reason for doing so, but don't lot it go ady farther. You know,' continued Mr. Beecher, 'that you joural'ujts have been abusing me a good deal lately ?' 'Yes.' 'Especially Mr. Dana, of the Suit ?' 'Yes, I uotico Mr. Dana devotes a column or two to you every day,' I snidi 'Well, I announced the idea that . there was no everlasting hell for the wicked, just to please you journalists ?to throw a little sop to you, you know, to keep you good natu red.' Aud then Mr. Beecher shut up both eyes and lau ghed all to himself. a $30,000 house. A little while afterward, in a more serious mood, Mr. Beecher informed 000 house on his farm, he s.iys^where 1 ecu spend my old ago in peace and quietuess.' 'I reduced my own salary,' said Mr. Beecber, 'from 820,000 to 815,000, because I think 15,000 is enough to pay me, these times. It is all I earn. You know I lecture a good deal* and I feel that my church should not pay me as much as they would if I devo ted my whole time to her interests.' Talking about lectures, Mr. Beech* er said that he used to lecture in 1850 for $15 and $20 per night. 'And once,' he said, 'I went from Lawrence burg, Ind., where I was preaching, clear to Boston, and delivered a lee*' tu re before the Mechanics' Institute for $25 and expenses.' Time has changed things some, for la3t night, at Titusvillc, the receipts at Beecher's lecture were $600. - ?* ? -o- ? m Four Men with Nineteen Wives.?A gentleman in this city, who has every facility for knowing whereof he speaks, and who is thor oughly reliable, states that recently there were four men living in this county within six miles of each other who have been just and lawful hus bands of nineteen wives. One has been married six times, another five, and the two remaining, four each. Two of the raen have died recently, but tho other two are still living, one with his sixth wife and tho other with his fourth. If anybody is disposed to doubt this statement, the gentleman can furnish .the proof. But it isn't this way all over Mecklenburg County.?Charlotte Observer, The first thing is to make your sermon plain. Mr. Blomfield preach ed on the text, 'Tho fool hath said ia bis heart 'There is no God.' Wishing to find out how it pleased his peoplo, ho called a poor foolish man to the pulpit and asked him how he liked the dermon. The reply, which made Blomfield a sadder aud a wiser man, wns : 'Well, sir, I must say I can't agree with you. In spite of all you've said, I think there must be s> God/