Historical Newspapers of South Carolina

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? THE Abbeville-Greenwood < 1J0TUAL IM^AIIIdE A$0dIATI0M.1 ORGANIZED Dec. 5, 1892. 1 jt OFFICERS ^ v < 1 T^ttt t t>t> T \rri\t Prooirlonf J. X' U Ivly-EvIN. JL,' 1 , x JLVOXUVUL^ ; Abbeville, S. C. ( J. R. Blake, Jr., Gen. Agent, 5 Sec. & Treas., Abbeville, 5. C ( J* DIRECTORS J. ADD CALHOUN Ninety-Six, S. C S. M. BENJAMIN Quarry, S: C ' G. B. RILEY Riley's, S. C ] W. B. ACRER Donalds, S. C , M. B. CLINKSCALES Due West, S.JC T. L. HADDON Dne West, S. C 1 T TIT oriAmm C f* 1 0. W . OW XI Y ciucij) w. v JOSEPH LAKE Phoenix, S. C J. W. LYON Troy, S. C A. K. WATSON Lebannon, S. C W. E. LESLEY Abbeville, S. C ' J. A. ANDERSON Antreville, S. C H. A. TENNAN^T Lowndesville, S. C A. O. GRANT Mt. Carmel, S. C ' J. R. TARRANT Mt. Carmel. S. C 1 G. N. McKINNEY Bordeaux, S. C R. W. TOWNSEND Ninety-Six, -S. C. A T MIA ASSSOCIATION of the PEOPLE and for the PEOPLE. PROTECTS ISOLATED PROPERTY. NO SALARIED OFFICERS. 1 NO LOSS-NO EXPENSE. Speedy Fair and Honorable Adjustment of all Losses. BRlkflfHTfl why y?u should insure your HhAyunly property with the AbbevilleQreenwood Mutual Insurance Association. f 1. It is an Association of the people,. for the people and by the people, and we have thoroughly demonstrated that mu- , tual insurance is practicable for and by homefolks. 1 2. This Association insures against ^ "fire and lightning, cyclones, tornadoes and wind storms," while capital compan? ? , ies insure against fire. 3. This Association has half a million dollars of property insured, and since its organization has paid thirteen y thousand dollars of losses, at an average annual assessment of one-half of one ^ per cent., one-fifth of the cost of other companies, and not in a single instance , has it resorted to the aid of the Courts , < to collect an assessment or to adjust a loss. 4. By this plan you pay for the pro tection you have enjoyed in the past, ana i if there is no loss, there is no expense; ! while in other companies you pay in ad- i , vance for protection you expect to get, : though may not get except paid for dear- ly by legal proceedings. * , 5. This plan is a contract between 1 neighbors; while in other companies ' you enter into a contract written by 5 the company, for the company, and 1 against you. You can read and un- 1 derstand the policy of this company. 1 Few understand an average insurance * nnlirv ' rv"v; 6. Speedy, fair and honorable adjust- ' ment pf all losses of property are made * at assessed valuation when insured, with no three-fourths clause attached. The ' man who values your property is your 1 neighbor, who also adjusts your loss ; ' while in other companies, when you sus- { tain a loss, a stranger comes and looks into the ashes and says what is to be paid you. 7. You can with small expense insure against fire, wind and storm, while a fire policy is about all you can afford in the old companies. You can enjoy the satis- 1 faction of knowing that if your dwelling ! is burned, it is insured in an Association composed of friends and neighbors, who > will pay every dollar at which it was 1 valued, and not be subject to thousand i and one restrictions, imposed by other companies, more for their advantage ? than for the protection of the insured. > The money paid out is kept at home, and every dollar goes to the looser of 1 property, which means the upbuilding of your own county. ' ] 8. Don't wait to be burned out and 1 become a burden to your friends by hav- 1 ing them beg for you, when absolute protection is yours by casting in your mite. Demonstration is a fact, and co-opera- 1 tion is your duty. Therefore, at once insure in the Abbeville-Greenwood Mutual 1 Insurance Association. i BY-LAWS 1 i. This Association is organized for the sole purpose of protecting its mem bers in cases of toss ot property by "fire and lightning, cyclones, tornadoes, i or wind storms," and shall be known as j the "Abbeville-Greenwood Mutual Insur- i ance Association." r 2. All expenses shall be paid by pro j rata assessment of all the property as- i >igned to the Association, and the mem- i bers of this Association shall be com- i posed of the owners of property assigned ; :hereto. 3. No apportionment shall at any time be made, except it applies alike to ill property insured by the Association, ind no Officer or Director of the Associ ition shall be held liable for any loss, except to the extent of the pro rata share of his insured property. 4. This Association shall not, in case Df loss of property of the insured, claim any credit for stone, brick, or other indestructible materials left after a fire; nor shall the Association claim any reduction of insurance, for over-valuation of Agent, when this policy shall have been in force for six months, unless such ' a. reduction be made by an Agent or , Director before said property is destroyed or damaged. 1 5. If, at any time, there shall be a change of title or ownership of property, i-ko i-vK1io-ofir>nc nf incnrpH anrl the LI1V/ vuiigubiviiu va i>a?v A4?wv*? W ...v Association shall cease at once. j 6. The Association shall not be re- i sponsible for any loss or damage to i property, if the insured has directly or : indirectly, or intentionally caused such loss or damage; nor shall the Associa- i tion be responsible for damages under < the amount of five dollars. 7. The Association shall not be releas- 1 ed from any obligation in case of loss or 1 damage, because of liens, mortgages, or defective titles to property ; but, when it 1 shall appear that the insured is not the 1 rightful or legal owner of the property, i then shall the insurance, or such part of 1 same as may not belong to the insured, ' be paid to the proper owner. 8. The territory of this Association shall be limited to the county lines of , Abbeville and Greenwood Counties, and the property adjacent thereto. The aggregate amount of insurance shall not sxceed two million dollars. The General Agent shall collect one-half of one per :ent. of the amount of insurance on all ' property entering the Association, of the party or parties entering property, of \ which three-fourths shall be paid to Directors and the remaining one-fourth :o be expended as the Directors may ' ieem proper. All policies shall be signed by the President, General Agent 1 ind the insured. OFFICERS. j 9. The officers of this Association shall 1 be a President and a General Agent who shall also be the Secretary and Treasurer, arid one Director for each Township wherein there are members of this \ Association. 10. It shall be the duty of the President j to preside over the meetings of the Asso- , :iation, and the Board of Directors, to 1 sign all policies, order all assessments ' through the Treasurer, order the pay- ' ment of all claims and losses after they had been adjusted by the Director and ] the General Agent, and, together with the General Agent, he may compromise j Dr arbitrate disputed claims. When litigation is unavoidable, then he, together , with the General Agent shall conduct the 1 >uit for the Association. He may also, | ;n cases of emergency, perform the duties Df the General Agent, provided said Gen- j iral Agent is unable to discharge the >ame. DUTIES OF GENERAL AGENT. ( It shall be the duty of the General Agent to: ^ I. Value all property, assisted by a , Director, entering the Association, and ] to sign all policies with the President , and the insured. ] II. He, or the proper Director, shall ( adjust all claims against and losses of , the Association, and report same to Pres- : ident. i I III. He shall keep a record of all , annual meetings of the Association and all business meetings of the Directors. IV. He shall notify any member whose policy may be in any way changed. V. In cases of emergency, he shall perform the duties of the President, provided the President be unable to attend to same. VI. He shall call a meeting of the Board of Directors when demanded by three or more members thereof. VII. He shail cause by-laws, circu- > [ars, and policies to be printed, and such advertising matter as he may deem necessary, and to pay for the same upon the order of the President. i DUTIES OF TREASURER. 1 II. It shall be the duty of the Treas- 1 urer to estimate the loss on all property ] insured, and apportion the same to each member who shall have notice by mail. 1 He shall receive, recept, and hold, sub- 1 iect to order of the President, all moneys a iccruing from such assessment, and suDnit a report of same to President. He shall also give a bond sufficient to cover my assessment that may occur. DUTY OF DIRECTORS. 12. It shall be the duty of each Director to assist the General Agent in valuing ill property entering the Association, and adjusting all losses in their respective townships. The Director may reduce :he value of any property which he l thinks is valued too highly, and give the Seneral Agent notice of same, who shall reduce the same on his books; but the ^ nsured may appeal to the Board of ^ Directors, whose decision shall be final. 13. The Board of Directors, with the j President as Chairman, and the General \gent as Secretary shall constitute the 1 Legislative body of this Association. They may make such by-laws, rules and j regulations, as they find necessary for v :he good of the Association. y REPRESENTATIVES. 14. Each member shall have one vote, * and those having as much as $2,000 r insurance shall have two votes, and an I additional vote for each additional thousand dollars insured. 1 15. The Directors shall each have as c -??? ?" oe thoro arp thrmsanHs of [Hauy V a. J biiwv MJ.W dollars insurance in his township. The Agent shall determine from his books the number of votes to which each, is en^ titled. 16. When the General Agent shall have sent written notice to each Director, stating the time and place of meeting, then, if there be Directors present representing fifty votes, they shall constitute a quorum. TERM OF OFFICER. 17. The President, General Agent, rreasurer, and Directors shall be elected by a majority vote of the members in invention, and shall continue in office for a period of one year. 18. Should the office of President be :ome vacant, the General Agent shall call ( i meeting of the Directors, who shall j ^lect his successor. Should the office of Treasurer become vacant, the President ] shall appoint his successor. Should the \ office of Director become vacant, the , General Agent may appoint a substitute , until the next general election, which ] shall invariably occur annually. 19. The President or any officers of 1 this Association may be removed by a j majority vote of the members. j PROPERTY INSURED. 20. No property should be taken for 1 more than three-fourths of its full value. ' No steam mill shall be insured in this Association. If a gin house or other L...'1/I.'niyf. +otron !nfn tViic Aesnriatinn L/UllUllJgO IUAVU AAA WW I.U4W lii which at intervals machinery is ' operated by steam, the insurance on juch building, or buildings adjacent and endangered thereby, shall be removed, so long as it is so operated ; but such danger being removed from such building, the policy shall again ( become intact. < 21. No dwelling houses shall be taken J in this Association less than 250 feet from hbp nmnertv of an neighbor. and no ? ~ I 1 J -- O ' building shall be Insured for a larger amount than one thousand dollars, nor [ess than twenty-five dollars. 22. No building shall betaken into this Association within the limits of any town Y Dr city, unless said building be at least ioo feet from the property of a neighbor; g provided, in all cities the General Agent J shall exercise his best judgment, always looking to the best interests of the As- j sociation; and when so advised by the i local Director, he may take in any prop- 4 srty less than ioo feet which he thinks is y safe from fire by the burning of adjoining buildings. Neither gins nor ware- \ tiouses containing insured cotton shall be 1 taken into this Association. 1 23. The General Agent may take into this Association dwellings, household 5-oods, barns and out-buildings. In no J :ase shall household goods be insured, c except within buildings insured in this [ Association. 1 1 24. Should any member desire to take r Dut insurance on cotton or any goods stor- J id in buildings insured in this Association, t said goods being such as this Association Joes not insure, then shall said member j it once notify the General Agent or Di- 1 rector, who shall suspend both the insur- t ince and liability to assessment for the ? same on such building, until said policy s : Kii ilslirirr cViall a era i n he i expires, WllCU mc uuuuiug 0 x reckoned in the Association as before, without additional charge to the owner, if desired. J 25. Any member may withdraw his or ? tier property, or any portion of it, from J :his Association by paying all assessments t I igainst the same, and giving the General j Agent or President thirty days' notice of lis intention prior to time of withdrawal, md the surrender of the policy for can:ellation. Likewise, the Association may, hrough the Board of Directors, or in tccordance with the requirements of its >olicy, remove any property they think he interest of the Association demands, >y giving the insured thirty days' notice >rior to time of withdrawal, but both the Association and the insured shall be bound mtil noon of the 30th day from date of lotice. 26. No member shall, after insuring >roperty in this Association, take out addi ional insurance in another company, vithout the written consent of both Prescient and the General Agent of this Asociation. Nor shall the contents of any >uilding be insured in another company, vithout the written consent of both the 'resident and the General Agent. Such dotations shall cancel liabiiities !n this Association. 27. The General Agent may reduce he insurance on any property, but may lot, except as herein provided, remove )roperty. 28. The General Agent may write polcies to take effect at any time after time )f insuring. 29. The General Agent shall furnish a ull list of all members, and the insured >roperty in each township, to the Direcor of that township. ' 30. Should the Directors at any time see ' :ause to extend the period for collecting in assessment, they can extend the tijne, lot exceeding three months, nor less than hirty days. Should a policy-holder fail :o pay an assessment within thirty days, :hen the policy upon which said assess- ( nent is due shall stand suspended, and egal proceedings may be instituted to collect the assessment and all cost :hereon. 31. All property insured in this Associa:ion shall be re-assessed every four years Dy a Board composed of the township Director as chairman, and two stockholders }f the township who shall be appointed by :he General Agent. 32. The annual meeting of the policy # lolders of this Association shall be held on J ToniiorTT n( AQTII I1C bCCUilU 1 ucsuaj ui jauuuij v> fear, and the Board of Directors shall neet quarterly, or upon the call of the President. t 33. The By-Laws of the Association nay be changed or amended by a two:hirds vote of the Directors at any meetng 34. That every member of said corporalion be and is hereby bound and obliged to pay his, her, or their portion of all losses ind expenses happening or accruing to ;aid corporation, and all buildings or othn property insured by and with said corporation, together with the right, title ind interest of the assured to the lands Dn which such buildings or other proper... c-Vio 11 Ko r\\aAa&A tr> thp said ty iiL<xy aiaiiu, ^uau -- corporation and the said corporation shall have a lien thereon against the assured, iir or her heirs, representatives and assigns, during the continuance of their insurance, as tc^all debts and liabilities contracted or incurred by said corporation, is provided by Act of Legislature, Approved March 9, 1896. 35. Policy-holders are bound by this policy and the By-Laws of this Association. Hlfth-SteppliiK Horses and I<abor?Sblrfcla|r Man. Sometimes in a team we have noticed a horse itepping high, with bis bead up aud his traces icarcely straight?making a fine show but leting others do the pulling. Sometimes we have noticed a horse that wouldn't pull till the others had started tbe oad. Wanted to be sure that it was going to nove off all right before he would make much :ffort. Sometimes we have seen a borse pull back. Wouldn't go foward with the load himself, ind wouldn't let the others go forward. Sotnetimes we have seen a horse strong and rigorous out not safe. There was not much elling what he might do. A horse to be adnired but not tbe best for service. And some men are very much like some lorses.?A. K. Presbvterian. Drudgery is essential in all good work, iomo drudgery must precede 'high effort and ittainment in any and every sphere. Mixing iolors is the drudgery in the greatest artist's on i r> thftf. nf the v ountr miULIUg, ao OU1 wljr MO iu VMW. v teginner in his profession. He who is not wiling to do the needful drudgery in the work he indertakes will never be a success in any high ealm of bis aspiration. No man who is not eady first to tread the lower rounds of a ladler can ever hope to stand by and by at he top. Seek not only to do good, but seek to do la9t ng good. Help people in the thin gs of this ife; relieve suffering, comfort the s orrowiDg, upply the wants of the needy ; but use these hings as opportunities for doing spiritual ;ood. To lead a soul to the Saviour, or to help me to a more earnest Christian life and a tronger faith in God is to do good which will ast when this world has passed away.?A. R. ^eabyterian. Literary men are not always the unpractical 1 L ? ?/vnoMarod. >eople which they are apt, tO UC uuuaiuvivv.. 3. C. Stedman, our American poet, is a successful banker in New York. Edmund Gosse md Austin Dobson, the English writers, are In he Board of Trade, and Kenneth Grahame, he rising English storyteller, is Secretary of, he Bank of England. r J.: ' 1 > - ^ , I IN MY NEW QUARTERS, NO, where I am prepared to look after t <LM as well, if not better than ever before. 53 hope for better things all around in '99. Good Goods, Living Prices, and Cl< I will try to hold the OLD and brinj M me a chance to help von, as well as my gj THING, specially GROCERIES. N PHONE NO. 13. A | J. Allen Si w _ W !l3Bl' WILL HAVE IX ] Vl/ A FULL STOCK 0 # Guano, Acid t W MR. FRANCIS HENRY, FERTILIZERS FOR A 'J? YEARS WILL LOOK W BRANCH OB* THE BUSE mm s b The best remedy for Mite* Horses, Cattle or Plaril Price 10 and 25c per Milford & DuPre's Drug, Seed and Harrison ( #|")RUGG %%%%v Drugs, Cigars Toilet Articles ax > JOHN W Undertaker and ?? DEALER Coffins, Caskets and With all the appliances for embalming experience in this line ensures satisfaction i They a Woman Know Is alway it is onl; A . trade wi cause" t Good goods ex and alw _ . his selec I M f M /V i mug When Is 500d and thej They like for j this yea c ! that you my regu after. It. Come an quarters pav? 1 a-nd get ] give you I Them For Buyin, Will _ _ Pay Phone 109. You. WILL DELIVER GOOI , 5 WHITE'S BLOCK, | he inteieet of my customers, Bra '98 was a tough one, but we joi By means of '/- 59 Dse Attention to Business M ' in NEfy TRADE. Give self, wbenJn nee(j 0f ANY nith, Jr., | J DUE TIME j 2nd Kaiinit II WHO HAS SOLD W; NUMBER OF A M AFTER THIS A; ,J9 ... "== 1 ' ! . j i T ' ' Dei to mi _ - v - j s on Poultry, Lice oi& ts, Fleas on Dogs. \ i box. For sale at A : Phone 101L Book Store 5c Gam el ^%%%% *J 1 >, rooaccos9 a id Stationery. 1 'fe 1 1 . SIGN, Embalmer. IN . Metallic Cases,. r\ Thirty-three years of business -s and guarantees the best results. .'s Reason v'SsilI s a good one, even if y "Because." They th R. C. Wilson "be;hey always find his actly as represented, ays fresh, ana tnen tion trices right. I would rou to give me a trial r and I am satisfied . will be found among I'CLl U US liWillDi o uukvs.t. wLd see me in my new , No. 6 Hotel Block, tny prices and I will a good reason g From II 721 vv iisuii, No. 6 Hotel Block. )S ANYWHERE IN THE CITY.