Historical Newspapers of South Carolina

Below is the OCR text representation for this newspapers page. It is also available as plain text as well as XML.

m: I HAF I I i tsi | $ Full 1 1 Mecl M If Fairb. S K I EVERYT1 Easter Ti ?1 Call and see oui x|j sition at this time jf thing that you m? We appreciate y at. nil +im<?c v*y v*? v viAtivwi I HAF H 1 A STC +*+'i'++++4.*!'+,,'++. STRENGTH IN UNIT^ Old Motto ltules Commercial am Political Life. To the Editor of The State: Your editorial in to-day's issue i timely. As a reader of The Stat and a buyer of insurance I am tire of reading about "our proud stat must not yield her sovereignty." T OmliV. - J ??*!._ 1 1.1 ouiilij, onnvu <iuu junrs wit* iiuiii ers of the bag''?such chatter i meaningless. There is an old mott holding tliat "united we stand; di vided we fall.** That is equally ap plicable to coininere'al as to politica life. One of the features of the Lan ey-Odom bill is to enforce competi tlon. This hill was enacted a lav without any care for the economics effect resulting and without regari tor the increased costs. Instead o norrectin what they termed unfat practices our lawmakers have sue eeeded in placing the business fabri of this state in a most perilous po sition with the further possibilit that the citizens will have to pay Individually and collectively, a ta to this theory of enforced competi tlon that will be staggering. If onl the populnr idea that fire insuranc companies are robbers and ehlefl interested in holding up the publl for the highest possible rates couh he destroyed. It would at once be come evident that the interests o the insurer and the insured to ai insurance agreement are identical Neither desires the disaster of fire both are equally anxious to preven it for such loss sustained is absolut loss. But let me here ask, is it no true that we Americans are the moa careless nation of the world whei It comes to the prevention of fires It is estimated that one-half of th fire losses in the whole world occu in the United States and that one half in the world of fire insurance is paid in the United States. Th' annual ash heap^of America is ap palling in its size while on the con tlnet of Europe and England th tire loss is not. more than one-tentl of that of this country. The roa*oi <?iven for this difference is due prin ejpally to improved building ton structlon and to a better eifOToe ment of fire laws. It is recall-d r>a a short while before two-tliirds o the city of Salem, Mass., was re duced to ashes, a member of tha clty'a council endeavored to ha-v {PER I Complel JILDERS' Line of All Kind: hanical T inks-Morse Gas erosene Engines HI1NG IN HAR1 m w -w < A 1 its operations I do say that an or. ganization with adequate restrictions i i- for the determining f rat-s i? an . v economic necessity. A rate mahing 1 organization and one whos* gIjJ* t ' il is to control the price of comaiodlf ties widely differ, and a distinction r should he made. The express purpose of a ratnig organization is to i c adequate laws enacted to reduce fire i * I moo nuu iu pit-win in* gni mty y r?f a conflagration. He advocated and tried to get through an ordi- < x nance which would prohibit tile * rec- : lion of buildings and for the cony demnation of buildings with roofs i e of inflammable and for hb efforts i y perforin a certain duty for all comc panics that would otherwise ha*e to i I il he performed by each individual i- company. For instance, it is stated, , r^that at the time of the San rrencifco ; 11 fire $4n,000 of insurance was del. sired by an insured. In order to i ; secure this amount a broker was t compelled to visit 40 different offi<? ees since $1,000 only could be ptaced i t (in each company. If the inspection t.and making of a rate had not been njdone by means of a co-operative bu? J reau each company would bave had i e to send some one to do the work r j with the result that this item of i-I expense would have cost forty times i e I what it did. All forms of true in,?( surance are based on the lav >f av - eragfi and immediately a yystem get? away rom fhnt principle it e (-aces to iv an insurance company. i Therefore, pooling of expenses to <Je- i i ienaine .vhat rate -hall jo fair to i - insurer and insured seoans to be the - only scientific method, for no com- i i- ,?any lias sufficient experience In the \ t various linen of business and under i f ( the various classes of hazards to deKjterinine what In a fair rate. And i t , herein lies a stumbling block to ] c those who a'e advocating that the "ade W eek, Api * complete stock of Hardware, to give you exceedingly low p \y need in our line, 'our business and will endeavo 1PER P JKL THAT STAND! t + . + + + + + + + + + + + !+ + jT In was dubbed "a fmnu of the in' sura nee irust.*' A fev weeks later Salem was In ashes with a loss np^ prnximating close t< r. uallii.ns of dollars staring her peop,> *i th' face. The ohiet' need of our people ,s .1 s I thorough course in "safety first'' e' methods for f i re- pri vent ion and ind suranee rates will automatically ad- < e just themselves. Ti e s. ,*V,?. stern o ' I'nderwt iters' association j- rifieis:l_ i ed by almost every person, ,?0 pet s cent of whom do not ever, know o what its functions are. It - "tin I- referred to as an insurant*.' trust, i- and while I do not attempt to r:d THE LANCASTER >TCTS lARDv te Stock K HARD> b nf J VTA ools and OWARE il 17-22 We are in po >rices on any r to please you IARD\ 5 FOR PROGRES + + + 4+ +,+ 4. + ^ 44 4 4 44 4:44 4 4 + 4 state enter the insurance field. Tht old line companies established I'oi many years with efficient and experienced organizations by scientifimanagement have been unable to reduce the cost of doing business under an average of 4 0 cents, and I niii told on good authority that the fire iosst-s of this state for the pusf f-niglit years have averaged 07 rents fo- ? v. rv dollar premium paid which means a Joss of 7 cents on every lolli " o* insurance written. In the ' i of these figures, to say nothing ' fi. folly of such a huge undertaking, it is ridiculous to lo-ar our ouliticians advocating such a measure. Insurance is & necessity and it is such it should behoove the insured to get with the vrey best and strongest companies possible, One may go without certain commodities if he feels that the price is extortionate and the control n menace to the public, hut fire iu"Jiance is something which the business man cannot do without. That he must purchase, not because he wishes, but because his credit Is more or less dependent upon It. TherefCiTf _ ofl it io fl f'VA/i /V ViO In Klfl busings it is far more important that lie should get it a! a price based on the same cnoditinns as those ol his competitors and that he should secure n temporary advantage; for he will remain constantly in doubt as to whether his competitor after all has not secured a far better one, Merely because the state is the insurer will have nothing to do with lesrening the hazard of fire and thf possibility of being able to conduct such a business at a cost anywhere near what experienced companies making it a speciality is extremely remote. In addition to the regulat ordinary hazard there is the extraordinary hazard of conflagration which comes at unexpected time* and there a few fire insurance comnanies in the United Slnlfta wlilnli have accumulated a special "conflagration reserve." For this reason it is easily seen that many fires liK^ that which occurred recently in Augusta or Nashville, or even Lexington of this state would result in im pairing original capital to such an extent that no company could remain In business. What we need is better fire laws and enforcement of thoslaws. In our heedlessness we pay 67 cents worth of loss In each dol lar's worth insured as against Eng land 12 cents, Germany 11 cents j.i'.i i rS APRIL 14, lfll6 WARE ? ppn r'nHpr ( VARE GI . . '? '? ^ 1) Kre/V (MUTTER ~5) l/ADC , r T niVLj S AND THE UPBUI1 : + . * -k ''and France 10 cents. The State ot J Missouri a voar or so ago faced al -(most the same conditions as we fa > tj 'today and the governor of that stale in - in commenting upon the obnoxious 11 laws at the time of modification said hi [ that after all the loss ratio was re. sponsible for the rates 1 barged. It * I wasn't a case of highway roberr> Hi . on the part of the Insurance com, panies as had been supposed. Mis- ^ , souri's laws prove dto be unsolenti- fa , flc. We first must correct the evil. That evil is a lack of preventive . measures and the penalty will con . tinue to he exacted if we fail to grasp the importance of this very ^ I grave situation. We must decide for sl , ourselves whether we will continue iy to pay an average of $1.10 for the In security which Sweden buys for 40 tl< cents, ICnglnnd for -'3 conts, fler, many for 22 cents and France for 21 cents, or mend our ways. * w Since I express my opinion over ^ an assumed name for business snd personal reasons it might bo well to state that: I hold nothing in com, mon with the insurance companies; am In no manner connected wifh or w , interested in the insurance business IPI . and have never received a penny of revenue from an Imuranee company i moreover, the interest which I rep- cl resent la fully covered and haa no' ti , in any way been inconvenienced* finally, the fact that 1 have detenn- ^ , ined to remain incog should be aufflcient evidence that I have no political affiliations and do not asipfre for any public office. I only Jmve the business in tercets of this stute ' ' at heart. This la the only inotiv? |; which prompts the expression* her | given. Night uatrh. |fl tt I RHEUMATIC PAIN* STOPPED tl , I The drawing of muscles, the sore- j nefls, stiffness and agonizing puin of' 1 Rheumatism quickly yield to Sloan's J -j Liniment. It atimulates circulation; i in thu nnlnfnl r\o rt Tuat onnhr ' , , ... ..... , """i **" j director! to the sore spot*. In a short Pi time the pain wives way to n tingling : ui 1 esensntion of comfort and warmth. ! w '.Here's proof?"I have had wonder-j <>1 ful relief since I used your Liniment on my knee. To think one applica- t(. tlon gave me relief. Sorry 1 havn't ! space to g.ve you the history. Thank-j i Ing you for what your remedy has done for me."?James S. Ferguson. . Philndn, Pa. Sloan's Liniment Kills ' pain. 25c at Druggists. Invigorating to the Pale anQ Sickly I The Old Standard reneral ?tren jthenipg tonic ' M GROVK'S T ASTHI.F.S8 chill TonIC, drives out Malaria.mate he* the b'ood and build* up the aya- ft tain. A true tonic. Fn* "a no .-?> *-* ? y? ! J W. **yjrvT: 'uimjuj.?wmgB5Saiw . COMPj Cutlery iNERALl COMPi LDING OF LANCA + + .+ + *:-+ : + +:+ : :+ : i Wanted to Be Ready. A atory iB told of an old Irislr gellernan who wan the only undertaker l an upper Michlgau city years ago. * o was what might be called a foreinded man One day he mot on the reel the young son of a citizen who : j( as reported to be at death's door. ;low Is jrer fa-nther this mornln'?" iked the undertaker. "He's sinking Jit." ?ald the boy. "Ie that so? Poor >y! Tty the way. how tall la yer i-ather?" V Si Composition of the Carrot. ^ Carrots contain a largo amount of 1,1 ater, 86 per cent. Their most stlngulshod dietetics! substance ia S; igar, of which they possess near6 V* per cent. Starch la also found > i small quantities, with a small poron of albumen. The ancients used i ~ l? seed both ot Um wild and culttratI carrot aa an Internal medicine talnst the bite of serpents; they alao I it to animals that had been stuns r them. ,A i dswefH of Change. If yo? want to remain young in mind id keep such comeliness as was firi you. secure variety. Try any Simla change rather than remain stag- V\ int. More the furniture from place' ? place and from room to room; j s; lange the curtains, the pictures and is wall paper. Try new diets. Throw T >ureelf zestfully Into fresh pursuits. { he simple secret ot health end beau* is lust variety I . A Women Warrior*. , * It Is commonly assumed that women ck the lighting lnsttnot and have eked It from the beginning. Certain-; ,c?1 ' this Is not true of the ancient Teu- Hi into woman, the Urwelb, who fought ds by stde with her bearded mate In \ icessant tribal wars History tells us tat the Roman armies had to defeat . is women after they had defeated the LAD A Importance of Proper Ventilation. A Roughly tpeaklng, an lncreaee in reduction of lt> per cent la not at all ausual In the average office, ahop or. arehouse, following the inatallatlon ' a ventilation ayatem. Preah air. 'operly circulated. Is an essential foo> In ir In successful factory management. I n' -Scientific American. I aF to ;oa Very Ancient British Grave. An ancient British stone-flagged ' ave haa been discovered near Greenw. Scotland, consisting of four large, (|il it atones. It contained only a little ah re dust. The dimensions indicate that; k belongs to the period when men tr era buried In a sitting position. I \NY I I ' l [ V I \NY I "' * I kSTER fe -* -r +++*++ +*^333*?+ SAMK OLD WORLD Prank L. Stanton, In The Atlanta Constitution.) \s the same old world, in shine and shade, hat God In the first sweet morning made; ?me sweetjiUirs in the sky above, nth ll?h* i \Ll 1U. ..?* me ii^rnt :n tne eyes you love; ime old round o' the rosy years; ime old sorrows you see through tears; line old road, and same old race o run with a dream of the Farewell Place. the wruith folk rise and dare the skies o watch their fire where the lightning files; nd you hear the loud war thunders beat ill they shake the graves at a war king's feet; nd the paths of human life are crossed fhere the Rachels weep for their children lost; ime old road where the burdened race ake tears and dreams to the Farewell Place. nd with rlaht nn.i ? ? .? ? -- -- ?.. - */ (? ?? press Ions: mm night to the dream of a morning song: imo sad story of sorrows old; f imn sweet Joys that the heart wout^ hold; nd the wounded breast still sighs for rest? nd rest comes a-weef when God thinks best: nd we glimpse the light of the morning's fare t the shining gates of the Parewell Place. AVOID SPRING COIiDS. Sudden changes, high winds, shiftk seasons cause colds and grippe, id these sprjng colds are annoying id dangerous and likely to turn ina chronic summer cough. In such ises take a treatment of Pr King's ' w wiHcov<?ry, a plcaaant lotxatlvo ir Hyrup. It soothes the cough, lecka thr cdld and holpn break up ? attack of grippe. Its ready pfeired, no mixing or fussing. Just ik your druggist for a bottle of Dr. ing's New Discovery. Tested an<t led for over 40 years.