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INSUI Published i ARE RAIES IN SOUTH SATISFACTORY NOW F. H. MCMASTER, INSURANCE COMMISSIONER DISCUS SES QUESTION ANNUAL REPORT Has Been Prepared for Meeting of State Legislature- Fig ures Given. "Is south content to have fire in surance rates made as fjey have been made in the past?" is the quesiion asked by F. li. McMoster. Insurance commissioner in hl3 annual report to the legislature. '.'<"' Ho discusses tho situation as fol lows : ; Is Souih Carolina content to have fire insurance rates made as they have been made in tho past? . . Tho averago man on the street i'-.inks that the Southeastern Under writers association makes tho fire in surance rates for the state of South Carolina and his natural suspicion of trusts, and his enmity towards all forms of tyranny make Lim very bel licose towards tho Southeastern Un-. derwritei-8 association when he thinks than an mr.Vjst raiie has been charged him and ho finds inapparently impos sible to get any other rate. In round figures there is about $27'7,00O,O00 fire Insurance written in South Carolina each year. Of this about $170,000,000 is written at tll? rates fixed by the Southeastern Under writers association, about $110,000, 000 of this . lng rp companies wul'h are members of the Southeastern- Un derwriter*, association and about $60, 000,000 going; to companies which arc not members of the S. E. V. A., but which write at the rates : fixed: by tho S. E. U. A. ' Of the $107,000.000 written at oth er mites than ii:c3e fixed: by th? S? E. ?. A., about $50.000,000 is written by the- Factory Insurance association, about $20,000,000-written by the. fac tory and other forelgn.&rutuals, about $17,000.000 written by'/tho 'domestic mutuals and nbout $??0,000.000 goes to iinHr.enRF.il r?mpanlos, AB ia eeen, $170,000.000 is written at S. E. A. U. rates and $107,000,000 at other and generally speaking very much less than S.-E.; A. U. rates. Of the 143 fire insurance companies of all classes licensed, 6^ are members of tho S. E.;JU. A." add^i aro not; , This statement ; woiil 1 indicate that the 8. E. U.'?. is^not in ?ont rot pt tie. situation hy any means and, thia is true. But it IS also true that tho average.man on tho stree; must take the rate fixed by tho S. E A. U? or do without .insurance, as a general rule. An analysis ot the insurance placed at ratos other thah those flxed:- by. the S. E. U. A. will show this. TT.'.-o $30.000.000 insurance- placed In the -Factory Insuraneo association lo at much 'ICES' rates than those fixed by tho 3. E. U . A. On two risks in Columbia,- ldcntiil&d >in character, hut tho -exposures making' number eight trefe rabio. to>!?jn3ber 1, tho Factory Insurance association gave ft rate of .10 cents on numbej- 1, and the S. 13.' U. A.. gave p rate ot 20.cents, sub sequently reduced after much agita tion to 15; cents on Number 2. The Factory I?Ewran?e association would not give a rate oh Numbpr 2,' thvMgi'i the F. -1. * A. is composed of SI* OotSr^ paaleS, 30-of which" are members of. . the S. E.'.U. A." One may say that it I? ? wheel within, a wheel. Aa a matter of fact the F. I. A. is an association of stock . companies formed to compete, witk. the factory mutual Insurance companies and of nec?sslC "it must take its rates approximately as low os the mutuals or.ft will not get Cae business. There fore rt - ..fixes, its expense of opera ?t'on to'ineet tho low cost of the mu tuals. The FJ I. A." pays 10 per cent commission to agents. The S; E. U. A. fakes all classes. In the cases under consideration two cotton, warehouses, one ?belongs to a company owning a largo, number and being In position to placoVtho.entire line elso .whero. . The. other ''warehouses le. the only-ono of its owners. The F. I. A. - would-not rato it -and trie S. E. U. A. would not give a less rote. than one-half moro'than -tho rato made, by the F.-1;--'A.' on the1 other warebpuses; though praoticalv all ot the members . ot ih6'-tP^,*:-T.l"'A?';',w?*Wi mom bera "of-- the E. E. tr, A. So. thte individual - citizen ot small ij- pperty finds no relief in the pres . ~~~\aco Ot the F. I. A. indeed, In thorn risks rated, by . the S. E. U. A. itself in competition with the factory 'mutuals no relief 'comes to the.^rlvat??^ - vtne s.' El JJ.- A. iglres a tate ot ,-.40] ; ' cents for ono yekr, tl. 20 for five yeats.] on the tenant houses of the Richland Cotton rirlll,and oh~ dwellings in theJ city of Columbia' on payed.streets witJh j full fire protection it' git^s rawe^TO 05 cents for one year and $S.fi0 for ...ftve.yea?ra.;. - . . So from -the/*i(60?0C0.-or -mor? wrktott in tho F. I. A. ?na 1110 faetovy ? mud?is the private cJtiaen gets, no' relief; from whateverrate; u? <%&-rg?i?|;j by tli? S. E. U, A. ' , ; ; Thero ar? a' few mutuals for drug gists;: . hardware dealers, . f urm^tfre ?very Wednesday dealers aod laundries, but these all carry limited lines and whilo they cause savings to their patrons, tiley are in no sense competitors with tho S. E. U. A. .The soir o is itrue of tho $17,000,000 carried tu domestic mutuals, which ?operate in about twelve counties of tho state. They work great savings to their mc-mbeni and in thousands of instances gi\'? the only insurance car ried, but they do not effect tie rates mado by the S. E. U. A. Tile insurance placed in unlicensed compunies ls that of citizens who con trol large linus, and while they ?eoure great rdractlo?s in rates, sn far ?B the ? general public is concerned this pro cess provides no relief from the trates made and provided by the S. E. U.A. i Illustrations have been given of the difference:* in rates made by tue S. E. [U. A. itsolf wiiere lt comes In com petition with tile factory mutuals, and [between tho 3. E.. U. A. and the P. I. A., tho latter association being composed of a number of the "tone companirj composing thc S. E. U. A. Just as marked differences/aro to be seen in the S. E. U. A. rates and those given by unlicensed companies. A few of th^se that have come under tilia notice c.the department are: S. E. Uv A. for 3. years, $1.50 unlicensed companies 90 cents. S. E. U. A. rate, $2.75; unlicensed companies $1.50. S. E. U. A. rate for 3 years; un licensed companies $3.00. S. E. U. rate for 3 years $4.63; unlicensed companies $3.00. S. E. U. A. rate $1.10; unlicensed companies 60 cents. S, E. U..?. rate $.60; unlicensed companies 30 cents. The instances might be multiplied. Tho variions are too great to be fciunded on good reason. There is something- radically wrong in rates or classifications or practices or meth ods, and as tue laws now stand the rates, the classifications the practices and the methods are entirely in the keeping of lC.e companies. It Is all beside the mark' to say that reduction in flro losses will sOlvo.the mattor. ' That has nothing Co do with the case. : Fire losses felton the F? I.A. the Factory Mutuals, the domes tic mutuals the unlicensed companies as well as tho S. E. U. A? H is is tho case the department makes up. There aro several me-theds of solu tion . Ono is an enlargement of the sphere of the mutuals and thereby the bringing about, forcing of rates by classes to natural co3ts with low ac quisition and (management costs. . Another frequently tried by with doubtful success ls the forbidding ot all combination;; of. companies and agreements as to rates. A third in absolute domination of rAt?"^maiingVpnwer'Tof tho state. Tc1?" department believes in careful supervision of the mutuals but such treatment as will permit their growth in safety arid in a modified control over tho rate making agencies of the companies as will prevent discrimi nation and thc imposition of unmis takably unreasonable rates. I PI/AN TO PAY THK ritfeMIUM Hero Is a Pinn ;Thut Shows Kow . n 3Inn <"*an Buy n 91,Cfl0 *ll! :M-rp" lor a singlo payment of #3,7.? ' . and (he Scrape from tho v^Ablc. ; The average premium would ba $30 per thousand rief roas.. This ??surea for one .thousand. Toko 365 days. In the year arid average coat or . abatit 8 i-2 cents per-diem. ; The cheapest man on ?arb? can afford to nay that. A man can buy. six hens -and a rooster >and .keep' up a thousand dot ierte worth of Insurance from the salo of tlie eggs yearly. Every man has space enough loralee six bens and a rooster: The-average hou lays every other day. With 365 days In tho year, tills ?would bo. 182 eggs ri year to the ben or 1,002 eggs per year or 91 dozen eggs. ; The average price per dozen is 35 cents. Ninety-one dozen would bring 831.85 thereby paying to a cheap-skate $1.85. more than his insurance would cost. The average-hen is worth 50 cents, then aljt hons at 50 cents each amount to $3;00; tho rooster 75 cents, Is making Ow insurance really cost the manV$3.IiV per thousand for.-life insurance. The man who says ho cannot do ?his Is either the biggest liar in th? world or tho ' stingiest husband end th? meanest father ti":at ever bad ? wifo and children,to bless his home, and in my opinion'the man wh? would refuse to buy an additional thousand dellars'' w?rtb nf insurance ?when he is only carrying a small amount, just simply does not care anything for his family. . . ..Tnero is no trouble, Abe, to soil in surance.:-From a lefter to one'-of his solicitors, by H. ; Ff : . .Vnndiver-ln .'Easterni Uhdervrrltor.'' i ---. .. - -~-? Jiow York Ifcthod o? Bl s infecting-. It td Btill a general belief that fumi gation is the most effective agency in .destroying germs au? preventing tho Eprend Of infectious',diseases, but ri?" cent investigations byNew York hfialth authorities reveal .a, better way. Hereafter residences which fc?ve hou?ed;- ixitients afflicted ,^wltb^-In'fec?: tiona diseases, will "bo taken in charge hy the aratborlties arid .placed ?'ndef dlrectlon of - nurseH and others of special training. The- premises will ba thor?ugbJy. cleans^:and disinfect ed; the :icons'Ipapereu and painted; every, door- and window opened in or der thai:* io sun may assist lb the dia infocti?n.-'?ayton-'(0) Herald""' in "The ?dltor?s?!. " / ? in the Interest of ? BEFORE THE PUBLIC i-; THEY NEED TO BE TOLD ABOUT IT IN UNDER- ? STANDABLE WAY i WHAT IT MEANS! It is Men Pins Organized Savings] . and Mathematics of Exper ience Translated. Lie insurance has never been pro perly put before the public in a plain, understandable way. either through its representatives or by advertising. The public knows little about life insurance; and insurance salesmen know too muei about rat'.-a, features, policies, laws, regulations and policy I difference,**, from the'insurance stand point. Life insurance is men, plus organiz ed savings and mut'.iematlcs of ex perience translated Into human life] values. Hero's a thought that comes to my ' mind. If 100 average mon 30 years of age, with families, were locked In a room and were going to draw lots for one man to be killed before thc end of tho year, and if they had an oppor tunity of taking out insurance policies before that drawing, would they do it or would lucy say: "Let my wife and children take the chance?" The man who is making $10,000 a year has tho same interest earning capacity as $200,000 at 5 per cent and yet ho probably - Values his interest earning capacity sufficiently to carry only $10,000 insurance. Actuaries figure out how long a man should live. That is Insurance, but j we know men do not oct on actuarial j table?-they only u' hy them. Put t?i3 where yea won't forget lt j -every man kuows that ho wants life1 insurance.. * * * ******************* * * * WHAT OTU lilts SAY * * + * *^,A&^*v******^*** A dead man works a long time after death, if he was insured. For tills j his family receives the wages he did j not livo to earn.r-James T. Phelps. Life insurance, tho conservation ot human life, the offset to man's earn ing power, tue protector of widows and I orphans, the equalizer ot business con ditions, tko , preventer of pauperism and dependency/; thoT gre-Ttes^, In^tltujj, tlon for systematic thrift'and,,"""TSq, Greatest Thing in the -World,'-' ia. yet! to bo ppt in the public ipind where lt belongs Uv its true place-in the world's^ work.-Warrea M. Horner. - To no otiier class of men more than ; to the life insurance salesman falls; tho duty of replacing ignorance with I enlightenment, selfishness with bene vu-1 lenes," indifference with love, negli gence with provldenuo. He is a con server of the-hobie/he alleviates mic Cry and dispenses comfort. He . re quives the sturdy motive temperament j I of the reformer witt :i an unennnuer I nhin purpose; conscious tihat his esure i Is just and noble; and In handllcgr people. and overcoming prejudice and j ignorance.ho is a psychologist, a true ! I disciple of the most beneficent institu tion of modern times, u. high priest of i the temple.of progress.-The".Star/ Rockford, ill.-.,, Though storms go rushing up the ? sky they shall go tushing down again, and not a whit for .thbm care I... . My j little pig within its, pert, pay pink arid' dimpled little shoat, may .all secure and dreamless.sleep; no Storni shall j get his nanny'goat, or .'make his ten? j |derlolna to. creepy Or if it does I cU?ll ! bo paid;, i je.-.is Insured against ali storm,." So sleep, dear piglet,' un-j afraid,'all comfy, all content and wara.V'Tte wind which gives your .pen a. knock, and, . drops a ' beam your spin? to' crack," will make you high- i priced, blooded stock, whose parents wero razor-back. ?My chickens!need i not weep and wall, roy horses need not j snort '.and '?] neigh j they aro insured against .'.a gale, e'en though lt' blow ; their ?lyes away, I fcave insured my ?little siiack, tay furniture 'from back I to: front/ I. have tip fear 'twill'Tend and crack-indeed,: my fear ls th?t it. won't.r-Judd Lewis,. in Houston Post. / . jj"; ' Too Yigorbas Exercise Condemned. Doctors and surgeons.who have giv en special; fi tildy at, athletics, conclude that the .average man can play'base ball, tenais and. basketball. w,lth safe ty until he is forty. After that ago these games become a,little dangerous; even to the man in good physical' con dition. At f?rty-flva, golf,, croqu?t, IAna^ll;";..y?l?6y-.:'.'^U:\'?nd'.-/i^dloIn?' ball are safer pastimes. .?' The United States public health service discoun tenances : 'some ' of the, moro violent forms of sport oven for' young men. lt: declares . that "champion athletic j die young. >^"EO?ton Herald" In ['"Rough t?otcs." . ;...::'; Tho Ms?r?poiltit?n, Lifo ic aendKg' out pamphlets for it^V?bUcyholders j on: "Hookworm Disease and How to lti*) "Malaria; Its. Cause': and I How to Prevent H*t. end "Standards in 1 Visiting Nurse Work, 'reinsurance Preas." ie Insurance Men c INSURANCE IS A GOOD COLLATERAL During the financial stringency be ginning in October, l?)07. business men were solely tried. Ono finn of manu facturers in Philadelphia faced insol vency, for lt wns Impossible ;o borrow Ripon the best collaterals. and oven government bon'dat were refused. Af\er many weary days and sleepless nights, ono of the firm, in handling some j payers In his safe ha?rltt sight of ula I life-insurance policly, upon which ho I had pnid premiums for years,, but whose existence had almost been for gotten. Opening it mechanically, ho 'was astonished to find t'.iat Me loan values Stipulated therein were u very substantial part of the tctal premiums ho had paid to the company. Calila:; his associates, they examine:! thc po?? ciC3 carried by the various member.* of thc firm, and were gratified to lind that toe., could command from tho in surance companies a - sum of ready cash quito equal to their present ur gent requirements. Partnership pol icies are often used Us collateral for amounts much larger than the im mediate casli values offered hy the in surance companies that Issued them. Let it bo recorded herc as a matter of history, tnat during, the recent fi nancial stringency,-,beginning lu 1907, when it was aimoat^ Impossible to bor row from ,bank8 upon any collaterals, no matter how good in ordinary time:?, the life insurance companies opened their treasuries and loaned to policy holders many millions upon no other security than their.policies. BRADSTREET'S ESTIMATE A firm of lumber dealers had not been trading long enough to fully es tablish their reputation and credit. T.ie insurance solicitor* suggested to them that a policy of business insur ance, covering all tho members- of liio firm, and payable upon tho death of any ono, would enhance tho firm's commercial rating. Without sugges tion from-the. agent, the senion mem ber of the firm opened his telephone and called -Bradstreet's manager, and told him that they were considering a proposition of insurance for thc safeguarding of . their business, and thal one argument of- the lnsuranoe agent was an... enhancement ri of the firm's commercial rating. The man ager replied : . ''Bradstreet's considers business insurance in Its estlmato of credits, and the possession of sue. in surance always improve our ratings." He then inquired "By ithe way, what amount are you contemplating?" Whon inrormed that 550,000i<was the limit, the manager's reply .was, "That Is not enoug)v tor your flem.. You should .baye-pt least 5100,000." ?Tho dealer" closedxfi# telephone, and turning to thc? agent said, "We Will make the amount $100.000 inkead of ?60.O00. We 'regard' the cxporlonce and eWimato of'Bradstreet's too valu able tct*to ignored." " Bra'" ?>reside$t has s?id (in refere' coi carrying -partnership; and corpoi ..?lon insurance)' "It ls ^practi cally beyond dcabt "that ; such action strengthens the credit? qf firths adopt ing it. Tlie increased confidence, which lt establishes Is recognized In the mer cantile community,' and thus reflected through our reports." : A KEW LOCALS What Local Insurance Atronf* Hsre Been Doing During Week, Mr. R. H. Ferguson,; ?>;at? agent fer tho Prudential Life . Insurance com pany, was a ^business visitor in the city on Thursday and Friday of last week. He stated that, he had. nover ocen business better. ; Mr. W. A. H aa take, state manager 0 fthe Metropolitan war ofDco in Columbia,.spent(a few days in Ander son last -week: He also stated that business over entire state, was good. Mr.. W. ,M. Addison, local agent for tho .Metropolitan, is j in "Columbia on business., Mr. J. Walter Dixon, local agent tho Pacific Mutual, spent last week in Gaffney^ , Bpartan?ntng,' ? York and Greenville on business.. Deaths From Dnst. . Factories that . produce articles by processes;,cauBlng dust ravage the health.; bf VO.rkers. T?irty-oight per cent of button makers that die at their tvfiuo succumb to tubercuiosio; tobacco, worker's, 38rper cent; candy makers, 22 per cont;'tanners, 18 PDT ce?t; ' harueaa makers, .17 per cent; glove makers, 18 per. /Cent; shoemak ers, 18 per.cent; miller; ;ir? per cent;. hakeT?,.-?^ P0? coat; grain handlers, 28 p?r(;-csiit,.-^''insurance Press. " ' -.-- if Vi -- ?' Set.? vice Versus Pr leo. '"Yeo/" said tho specialist,. "I can euro you." ''What will lt;cost?? asked the ?lok roan faintly. V-' : ;?*#iae^r$w"4oH?^ . f "You'll iwivo tb shade yotir price a. little,'!, ?tllj moro faintly, "T have got-? ?better bid than that, from. tho undertaker.''-^l?CIory*e ^Wireless. ? ? Wis? HuBband. . Mrs; Jackson-"YO* losy nigger J S'posb I waa took sick ?od couldn't do washings, how would you live?'1 ?Mr. Jackson-"Ah" -never tf?ought ob dat, honey. Anil hustle 'round to morrow sind git some health insurance on you. "--Fedora 1 L???. f Company INSURANCE COMPANY WILL MOVE OFFICES MUTUAL LIFE WILL GO INT?; SECTION OF BROWN BUILDING D A M f TV"! /^U A KT/"1 *? New Quarters Just Across Hall Are About Comp!eted--Will Be Handsome Quarters. Tho Dime Savings bank will within a few days move into its ne w quarters just across* the hall from its present location in the Brown building on Xorth Main street and as soon as this chango is made, work of remodeling ? their old stand will begin. When finished this side will he occupied by the Mutual Life Insurance company's od?eos w'iich aro at the urc3cnt locat ed in tho Bleckley building. . y Tile Dhno Savings Bank's . now quarters ore going io ho as neat and uptodate as that of any bank in the city, and their fixtures are to be very modern. Thc contractors aro now busy finishing tho partitions, pulling in the wicket inclosures, etc. There will be plenty of room at the front at tho "teller's window, and t.-.ere will also be one or two moro little- wicket windows farther down the hall. Bight in tho rear ci this eide will be locat- ? ed tho bank's private ornees. In ad-1 ditton to their new vault, the bank j has a large new nafo which will be located near tfio window. Tho other side of the hall, or whens tho 'bank ls now located, wil^be re modeled so that it will be so'mewhat Uko tho left hand side, and will be oquipped with several offices, a store room, etc. At tho front, will be tho agents' o'llces, next regular business office and in tfao rear Mr. Mattison's priv?tq offlce. Work on this section will begin within a few days. Casey and Fant of this city are the architects. MR. HA lt ii IS LEADS Highly Complimentary Letter Is Re ceived Pr?m Manager. Columbia. S. C.. Dec. 3. 1915. Mr. Calhoun Harris, Ander-son, S. C. Dear Harris: ? wish to express by appreciation of the fino volume of paid-tor busi ness whit! J yea furnished., for' this agency during November. * The final ropor" for th? month' shows ' that ydu led all other agents In amount of paid for bufrhiesj and this is a , splendid record for you tc make. I am sending you today a complete statement of hurJncEs produced in Morornn Mantb i?y ?J1 agencies and' I feel sure same will bo of interest. Thanking you and with kind person 'al regards, I am, ,., Your? very truly, j'(Signed) F. H.v Hyatt, Manager. The fire boll rang, lt was .his neighbor's house. "Mary," he said, /'I'm glad our house Is insured." The door bell rang. It was tho family doctor. "Mary," he said," "I wish my life was insured."-Cleve land Life Co-Worker." Upon which side of These cases are facts, not fiction. Leesville, S. C., Jun ..Atlantic Life Insurance Co., Richmon "Gentlemen: "Please accept my gratitt felt thanks for your check of tlement for insurance on my 1 Yarbrough, whose death recei "He had only been insurei before he was taken sick, so-H been providential. "Being left with small ch, surancc will be a great ?.help ; our time of need. I shall ; highly of the Atlantic Life li paiiy. 1 greatly appreciate Bess .and .shall always hold v Agents, etc., in tti? highest es "Very truly-y "MRS ROSA L. YAR FRANK J. BURR?SS, DESL R Bleckley Building, Have a Care for the Future! ? Striking Endorsement of I ife Insurance Aa A Safe, Practical Way to Store Up for the Future. fl tit)... ' ":. ' i ,.. '?" : V Dy U. S. Senator Oscar W. Underwood T has been said that the wise man does not live in the past, for the past cannot bc mended; that he does not live in the future because the future is unchartered land, but that he lives in the present and makes the most of the day and the hour he has with him. _ \ This is probably thc best way for men to get the best results * from each day ihey live, both so far as theil .productive ca pacity and their happiness is concerned, but we cannot for get the future entirely. Every day we march on to old age and incapacity. Every day we face the dangers and accidents of life. Every day we approach nearer the hour when our mentality will lose the keenness of its edge and our physical forces will begin to fail. The wise man, therefore, who lives in the hour that is with him will have some thought for the fu- ? ture and store up a surplus for the days to come. Tb ?re are'm'?'fi'y'ways in which a man can conserve his sur plus energies for future use. The product of his toil may be buried in the ground by the miser, invested in land by the far mer, of in stocks and bonds by the business man, but to make a good investment requires accurate information and good business judgment. These qualities are not possessed by all. For the average man, who is not fortunate -h?; having a thor ough knowledge of business affairs, a life insurance policy in *> good company is a safe, practical way to store up his surplus energies for thc protection of his old age and the benefit of his family after he is gone. Write for our leaflet, "A Serene and Care-Free Old Age." The Mutual Benefit Life Insurance Co. ' IA. M. MATT1SON, GENERAL AGENT G W. Webb, District Agent J. J. Trowbridge, , ? '> C. E. Tribble, W. R. Osborne, Special Agents, Bleckley Building. v Anderson, S. C* If Insurance Taxes Were Direct. Income taxes are direct in their effect upon the payer, and thlB prob ably account!; for the strong^ opposi tion ? dlBblayedlj-by those^-wbo are: nf; fected hy''tho 'federal law', "if lho3o who are pow paying the. Insurance tax indirectly were brought face to ^ face with l?e tents by a chango to direct taxation tho demand for re peal or reduction would be almost universal.-r-'llnsuTonce Korald-Ar- ' gus" (-Nov: 4:33.J ' 1: "CABBAGE PLANTS" We. have'now ton million cabbage plants on hand ready for shipment, [Our, plants are grown CIOHA to thc Sea Coast, in the Open.air, add our/' ?seed are grown by tho very best seedsman on-Long Island, N.' Y. Wo bavo the following varieties: "T?IB EARLY JERSEY WAKE FIELD," "THE CHARLESTON WAKEFIELD," "THE : SUCCESSION" l and "FLAT DUTCH." ? Our prices are: In lots from 1 to 5 thousand $1.00 per thousand, ii [thousand and over 75cts. per thousand F. O.'B. here-cash with order. ' Wo J [will make you a special price on larger orders. Ci i vd us your order, and wo will Bhip you plants that will g ive: you tho [very beet results. Yours very truly,** , , THE ONLY PLANT CO., Meggctte, S. C. the Parallel will the Memory of You Reft? This history is repeated : every day. Act now-r-don't stop lo. think it over. ' * > e 22, 1915. d', Va. ide and heart ?2,ooo in set lusband, W. P. ?itly occurred. la few weeks seems to have ildfcn, this in ind oimfort in always speak isur?nce Com your prompt eur Managers, teem. , ours, BROUGH.'' "Red Oak, Va., July 10, 1915. "Mr. Fisher: "Just a few lines to let you hear from nie. I do hope this may find you well. 1 am liv ing and that is all I can say. J do suffer awful, and sometimes I think ! will be glad when the Lord calls me horrie, but, Mr. Fisher, 1 have one request to. make of you, who have been so kind to me, if you do not think it too much for me to as<. "? feel iike my time is short on this earth. I have not ? penny to help pay my burial:ex penses and I do worry so much to think that my poor wife and children could not raise it to save their lives. My mini would rest easy if I but knew that my funeral expenses could be paid. I haye had a great deal of sickness in my family this winter and spring, and Thy finances are ?n a bad fix for me, to die and leave my wife and children behind. But you know best what to do for me. "With best love; If we do not meet again on this earth, I hope we meet in heaven. Good-bye, "Your true friend, "GEORGE McKiNNEYi'? F. W. FELKEL, General Agent J. U. OWEN, Special Agent ' Anderson, S. C. ;=?: