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The Press and Banner ABBEVILLE, S. C. Published Every Wednesday toy THE PRESS AND BANNER CO, M M. P. GREENE, Editor Wednesday. May 5, 1915 MARKETING FOOD-CROPS. The farmers tell us that they would raise food-crops for the market, but there is no market. There is truth in the statement. The same trouble is being felt by the Georgia farmers. In order to meet it the Georgia Chamber of Commerce has called a meeting in Augusta for May 15th, to which delegates will be sent by the twenty counties in Augusta territory. The counties in this state near Augusta, are asked be represented at the meeting. Some idea of the ol?ie:t of the meeting may be hai f?-,m the following contained in a letter to this paper: "We hope to arouse the people to the need for preparation for proper handling of food-crv>p:-., to induce the merchants to provide hay-presses that may be moved from farm to farm, to put in corn-sheiiera, una 10 provide pens in which cattle and hogs may be assembled for car-lot shipment. We have already secured pledges from 360 Georgia merchants to handle Georgia-grown grain and hay." Much good can come out of this meeting. There is money in foodcrops only when they can be marketed. In many cases perhaps farmers could make more money by planting these crops than from cotton, if a purchaser could be found. A practical way can be found for selling these crops if the farmers will co-operate. We hope ADDevine win De represented at the meeting. WILD CAT INSURANCE. The Methodist Church at Dillon was burned recently, and is now trying to collect on an insurance policy supposed to be outstanding, but it seems that a collection can be made only through the courts, if at all, the insurance company showing fight now that pay-day has arrived. We have no doubt that there are several insurance agents in the town ' of Dillon, perhaps some of them are members of this church, who would have been glad to write this insur-' ance in an established company,1 where there would have been no | doubt of the collection of the policy in case of loss. But some brother in the West who had something special and "a little cheaper" wrote to Rev. Cauthen, the pastor of the church, offering to insure the property. The letter was presented to the Board of Stewards, and the pro-J position accepted, of which due notice was mailed to the company, While the letter was in transit, the church was burned, and the in.=ur-: ance company now says there was?, n A fliic? tto nnrlnvpf-irvi +/v be the contention. Insurance is no longer an experi- j ment, it is no longer a gamble, it is j a business transaction. Tha ?le mands of the times require a man to keep his property insured, and his life insured for the I enofit of j his dependents. Of course the matter may be over done, but nevertheless, the day is at hand when every man is require by self inter est and the demand?, of humanity, to carry insurerce. Insurance, therefore, being a necessity, should be carried on by companies whose ability to pay is unqua>u*>'ifc-l, and whose willingness to comply with contracts is undisputed. We are constantly hearing of this and that substitute for the established insurance contracts. Today we have one fraternal order, and tomorrow another; today we have one mutual company for writing fire insurance and tomorrow an other, but none of them are perfect. None of them can guarantee the performance of their contracts. Their ability to pay depends on the management, the willingness of members to pay assessments, and the right of the company to make extra assessments on members, and in case of fire insurance all these assessments are secured by a mortgage of your premises. The mutual fire insurance companies may not be bad, but they are not the best for the reason stated. In the life insurance field, the Insurance Commissioner of Soutl Carolina has done a good work i: having legislation passed for weed ing out the insurance companies o one kind and another which wer not able to carry out their contracts The Supreme Court of the Unite Staes has just affirmed a decision o our own Supreme Court, written b Chief Justice Gary giving the Insui ance Commissioner the right to de mand security, such as he think requisite, from life insurance com panies doing business in this state The legislature, when it meet again, should deny any insuranc company, or any organization, en gaged in the life insurance business the right to do business in the state which has not the requisite legal re serve, and which is not charging suf ficient premiums to enable it to com ply with its contracts; and it shoul none the less give him the right t deny all insurance companies or as sociations the right to . do busines in the state whose rates are exorbi tant, or excessive, or whose policie are inequitable. A great many persons will te] you they carry insurance in this o the other fraternal or mutual com pany, because it is cheap, and tha when it grows burdensome, they es pect to drop it. Every such ma knows the importance of keeping hi life insured. But he does not cal culate that ten years from todaj when he is no longer able to obtai insurance of any kind, and when h is unable to pay the exorbitan charges of his existing policy, an when reverses may have come upo him, that then he needs insuranc most. We have had enough lessons o this kind in Abbeville in recer years to warn our people agains these contracts. Several years ag an old man who had carried a polic in a so-called mutual company a long as he was able, turned it ove to the son, provided he would kee up the premiums. The son pai for a few years, and then the pr< miums began to grow; they contir j ued to grow until it took the greate part of the son's wages from himsel ovi/J Viio mri-fa in n-rHpr trt Irppn lin t.Vl I 0 r insurance. In the course of te years the company failed, and not dollar came back to those who ha paid their money in order to provid against the losses by death; an when the company had failed th health of the son too had failed, an he could no longer provide for hi wife. Other people in Abbevill lost heavily in the same company. Only a few weeks ago our towns man, Mr. H. T. Tusten died. Man; years ago he took a policy in th Knights of Honor. This was the] J ? 1- ? l>Ani ueueveu LU UK LI1C ueai, xiaicn^ai m surance organization in existence He paid the premiums on the polic; until his family reached maturity and then turned the policy over t members of the family. They paii the ever-increasing premiums oi this policy of two thousand dollars until just before the death of the in sured, these premiums were amount ing to about two hundred dollars pe annum. The beneficiaries afte the policy was turned over to then paid several times the amount final ly collected on the policy. The reasons are obvious. In th first place the organization had n right to be in the insurance busi ness unless it had an insurance de partment, and regular legal reserve fixed by law; there was consequent ly many mistakes made, if not mis management. The premiums a first being too low, the funds pai< in by members were exhausted ii meeting the death claims of th members who died first. As th years passed, the members grew old er, and deaths became more fre quent, and claims more frequenl The former assessments agains members became insufficient to pa; these claims, while nothing was be ing laid aside and invested:to tak care of those who were still living and who were paying for the rest and sn it. will pontinnp to cro nn nn til there are only two members left the last will be required to pay th [whole two thousand to the next t the last to die; and when the forme dies after paying all the others nothing will be left to pay him. Not so with the properly conduct ed company. The mortality table show that a certain amount of mone; is necessary to be invested eaci year in order to pay the man of a.\ erage life a thousand dollars at hi death. The regulations of good in surance companies require, and th k laws of every state should require n of every organization which ^trrites _ insurance, that this nece ssary ^ amount be invested each year for each policy. The amount necese sary is a matter of calculation, bas!' ed upon a given interest rate; and d upon the average life of the citizen, f If the one dies earlier, the other y lives longer, and thus it is that when the insured dies, his money is in the l_ hands of the company invested for s him, and ready to be collected and paid over. !* The state has the utmost interest s in seeing that its citizens are cared e for, and that none of them come to l" want, and none of their dependents ?? become a charge upon the public. The state should likewise! have a !" great moral interest in seeing that " those of its citizens, who endeavor l" to provide against the evil days ^ which are to come for the depen0 dents, are not defrauded, and not !" imposed upon. And guarding these 's interests a large measure of power l" should be given to the Insurance s Commissioner, as stated above, to see that all companies or associ^ ations which write insurance in this r state have the necessary legal rel" serves to guarantee the performance ^ of their contracts; that these reserves are properly invested.; and n that the policies are equitable and s just to the insured. I- ______ ^ MURDER. e A Spartanburg man whipping a t ten-year old son with a whip, lets ^ the handle slip out of his hand, and it strikes his infant child with such force as to penetrate its brain, causing instant death. A man who j. would whiD a ten-vear old child with I lt such a weapon, is a brute. H e is ;t actuated by malice, and not by love 0 of the child, or a desire to make it better. ig Such whippings breed in the child nothing but revenge and distrust of p the laws which protect a father in ^ being a brute. We would be glad to know what k_ a ten-year old child could do to de,r serve such punishment. How many ? days had it been sept to school? p What chance had it been give:i in n life? The infant will be better off for ^ having died before it knew such a e father. The wife will be better ^ off if the courts shall inflict upon e the husband the just punishmer t of ^ the law.' * s Accident: No. Its murder. e Injustice To Railroad*. y Unfair! The glaring injustice of e the government's treatment of the n railroads in the matter of carrying - the mails is brought out in a comparison of what Uncle Sam pays his y own road and what he pays others. r> The government -owned Panama 0 Railroad received last year, accordd ing to a statement by the committee n on railway mail pay, $2.77 for each > ton of mail carried a mile, while the - private roads in the United States, according to estimates of the Post r Office Department, received about | r 10 cts per ton for each mile. If this is the kind of extravagance the - government ownership of railroads stands for, it will be a long while bee fore the voters of this country will 0i give it serious consideration. Had 1_ the privately owned railroads of the United States been paid on the same s basis as the Panama Railroad, instead of receiving $56,000,000 or about one-fifth of the Post Office Det partment's revenues, they would d have received $1,557,000,000, or n more than five times the total revee nues of the Department. The rail- j e roads have not asked Congress to advance mail pay rates. All they j have asked for is to be paid for all " the mail they carry and for all the special facilities and services they j y furnish the .Post Uffice Department. Why not, Uncle Sam??Leslie's, e Salesday. The house and lot in the case of j . M. B. Hipp vs. Adeline Jones, was sold by the Master to Mr. Hipp for 0 5200. The property advertised for sale . by the sheriff, was withdrawn from if sale, the debt having been paid. M artha Washington candy in hal s and pound boxes. Try it. The::e is y nothing like it for the money, at h Speed's. Huyler's candy, Martha Washington and Monkey candy always fresh at s Speed's Drug Store. 2 in 1 polish for sale at Speed's Drug e Store. FASHION ASCRIBED TO QUEEN. Anne of Brittany Said to Have Made Bl'ack the Almost Universal Mourning Color. The proposal recently made in England that white instead of black be worn in memory of its soldier dead appeals to the modern mind as a startling innovation, yet as a matter of fact it is but a revival of the old custom. White was the accepted mourning color of the greater part of Europe, as it has always been of China, until the latter part of the fifteenth century. The distinction of having first worn black to express grief belongs to Queen Anne of Brittany, the spouse of two successive monarchs of France. It was 417 years ago, on April 7, 1498, that her first husband, King Charles VIII of France joined the great majority, and his widow set all the tongues of France a-w&jg-ging by appearing in public clad entirely in black, instead of the conventional white, usually worn by bereaved widows. After the first excitement had died down, however, it was generally agreed that Queen a 1 1 I X Anne naa snown guuu utsue, mas- j much as black is more sedate and melancholy, and so more expressive J of "grief than white. The innova-j tion of Queen Anne was taken up by j all the court, and soon spread among J the people, and from France to other lands, until in the course of u century black had'supplanted white as the color expres^.va of mourning throughout the? civilize! world. About the only exception is Turkty ?which may or may not be called civilized?where vio1 it is the mourning color. Tliie Abbeville Library. The Abbeville Library has gotten comfortably settled in its new quarters in the third story of the city hall agd extends a cordial invitation to all the people of the city to visit their quarters. The rest room is open all the time and the library hours ar?i from four to half past six o'clock on Tuesday and Friday afternoon. The Library wishes to thank Mr. W. M. Barnwell for a phone which | he has had installed in the library. The phone number is 200B and patrons of the library are urged to make use of this phone when in need of books. The ladies are also grateful to Mr. Horton of the Medium, for a copy of the paper for the rest room. This will be an addition to the many publications already displayed for the use of the public. I City Garage 7 IE gj Auitomobile Repai 3j Plumbing and J jjj We have recently closed jj- Oil Company for the exi UI their products, namely : | GASOLINE, I Fine Motor Oi] ? These goods are purcha: |fj we are in a position tc LOW PRICE on all Hig | MOTOR and ENGINE Ir.l.F.iNL IVJ.ULixxri ra -OP- ' 111 fact Everything C. A. Milford Phone TaJS!MSI5l5fi!l2ISISI5M5ISfSJSJSfSJ3JSiSIS15J3JSISIi WINTHROPLESSONS ON COTTON PLAN! Making Education Real in the Rural School. (Winthrop Weekly News.) Rock Hill, A pril?. Miss Grace Frontis, who is taking special work at Winthrop College, tells of her work in the Winthrop Farm school, as follows: The younger children of the Win-' throp Farm School are interested in cotton just now. Each has made a doll's bed and now is furnishing it with mattress, pillow, sheets, blanket, etc. As most of these furnishings are made of cotton, they are interested in learning something of the cotton plant, and the steps taken to get the lint in the form in which they are using it. All of them have seen the cotton plant growing and most of them have helped in some way to produce it, either hv hneincr rlrnnninc the "J --w w?OJ rx o ? or picking. Some branches of cot- | ton bearing leaf, square, flower, and boll had been gathered in the fall and pressed. These were used to help the children recall facts about the cotton that they already knew, | to teach new facts, and as models ] for drawing. j The children were much interested i in learning how the seed were separated from the lint before the invention of the cotton gin and of the task that was given each boy or girl to pick his shoe full of seeds before going to bed at night. j After this came the question of : spinning the cotton into thread. A few had seen an old-fashioned spinning wfyeel, but others had not, so a trip was planned to the college to study the one in the Manual Training Department there. On April 17 all of us went over to see the spinning wheel ana loom in the Manual Training Department at the College. The Head of the Department, Miss Wickliffe, very kindly showed us the spinning wheel and loom and the different steps taken in spinning and weaving. She got her cards and with so;ii3 of the lint cotton showed us how to make rolls. After making se/eral of these she took them to the spinning wheel to spin. Before spinning she had to make a brooch. As she made it of a piece of ?o?n husk, she explained its use. The br >och was put into place and the sp'.nnin^ began. As the cotton was spun into thread it was wound on rhe brooch. Miss Wickliffe spu?: enough thread ? J JCIELElELELELElEICLELCLEiEL IIJIJIJIJ1JIJ! J1J UIJIJ1JIi G. A. HARRISON Eg Manager S LC ring. Vulcanizing, Steam Heating' jjjjj contract with The Texas ? elusive agency for all of Sj ?! KEROSENE 1 Is and Greases g sed in CAK LOTS, and 5fi ) give our customers a |fi ^h Grade OILS and GREASES jjj BUY YOUR I lints, Oils, Stains, | arnishes, Liquid 1 Veneer, Etc. ; in this Line from I & Company I ! 107 ojgJSMSMMSJHSJSJSMSJSJSMSMSJEfSMSEMSI FRESH FLORIDA I VEGETABLES I A. M. HILL & CO. ' I are receiving every H week shipments of H Fresh Florida Veg- | B etables. A help to ; I the house keepers at a reasonable and H fair price. - M o v M The best grades of 9 TEA for the ice tea I season. I 0 * Lemons and Sugar , I All of us had been anxious to got. * over to see the big loom; now wo were ready to go. Miss Wickliffe showed us the various parts of the loom, the treadle, the heddle, the beam, etc., and explained the use of each. She showed the warp threads already in the loom and told us how these threads have to be sized before being put into the loom. She showed us how every other thread isy held up to allow the shuttle to pass The best Groceries 1 in all lines at 1 A. M. HILL & SONS I Notice! Owners of dogs are hereby notified that in accordance with an Ordinancepassed March 14th, 1911, an additional penalty of 50 cents will be imposed if the dog license of $1 is not paid on or t>efore the loth day of May, 1915. C. C. GAMBRELL, Mayor. T. G. PERRIN, City Clerk. ??. TpnchArM Fvaniinatinn. The regular semi-annual teachers examination will be held in the Court House at Abbeville, Friday,' May 7th, 11)15. Rev. J. M. Lawson, Co. Supt. Education. for each of us tr h?ve a bit. We tried to break the thread and found* that it was good strong. Then we were shown the reel in which the thread is wound from thebrooches. Some of the children had * j heard mothers and grandmothers tell of reeling a certain numoer of cuts, as a task. Miss Wickhife sent thereel round and round u^ci) it gave' a sharp click. The thread wound on the reel from one click to another is called a cut. This is called the shed. Then Miss Wickliffe seated herself at the loom to operate the treadles and allowed one boy to stand at one end and one w at the other and pass the shuttle back and forth. Each time the shuttle went through the shed the beam was used to push the thread up close to the other woof threads. At school the next day the children drew both spinning wheel and i loom. They learned to write thenames of the parts and to explain the use of each. On the dolly sheet they were hemming they found the warp threads, the woof threads and the selvage. Life's Mirror. There are loyal hearts, there are spirits brave, There are souls that are pure and true; Then give to the world the best you have, i And the best will come back to you. Give love, and to your life will flow, A strength in your utmost need; Have faith, and a score of hearts will show Thoir faith in your word and deed. For lifp is the mirrnr nf Irincr nnrl - -- *""0 slave; 'Tis just what we are and do; Then give to the world the best you have, And the best will come back to you. ?Madeline Bridges. In Trouble Either Way. "Yes." said the Fairy Prince, 'you have whatever you want for a Christmas present." "I will choose," said the Fortun- . ate Person, "either a wife or an. automobile." "How foolish," exclaimed the Fairy Prince. "Why do you not select * something that you can manage."