Historical Newspapers of South Carolina

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HOW THEY Rich Men Saved F 5 Chicago' One cannot Bave very muoh on $2 a week, especially when this munificent salary is the whole means of existence. Even James e?. Hill could not. Ho was working in an inn in a little ham let up in Oanfda, when he read io a stray newapajper that "there were splendid ohances for a young man out west." Hit; capital consisted of hi3 coming week's wages. Borrowing $10 from a friend, he started west. The $5,000 which he afterward returned represented the rate of interest with which he always repaid kindnesses* - When ho reached St. Paul he got wages no larger while he was a "roust about" on the wharf. When he soon after got'to be shipping clerk he saved a little money with which hp sot up business for himself. I Perhaps one of the secrets of the way in which th? bupiness prospered was that back of it was a high hope? the hope of having beautiful and win some Mary Mahegan for his bride. At any rate, out of the first earnings of the little business Mr. Hill fur nished the money to send the girl to an eastern boarding school and to equip the home in whioh they, after ward set up housekeeping. Mr. Carnegie tells the story of the first money which came into his pos session over and above the salary of $25 p. month which ho was earning as a telegraph operator. "One day Mr. Scott (the superin tendent of his branch division), who was one of the kindest of r.<m and had taken a great fancy to me, asked if I had or could find*$500 to invest. I answered promptly: * . J 'Yes, sir, I think I can.' ".'Very well,' he said, 'get it. A man has just died who owns ten shares in the Adams Express company, which I want you to buy. It will, cost you $60 for eaoh share' "The matter was laid before the council of three at home that night and the oracle (his mother) spoke. 'It must bo done. We will mortgage our h^me. I will take the steamer for Ohio tomorrow and see uncle and ask him to arrange it. I am sure he can.' Of course the visit was successful? when did she ever fail? "The money Was' procured; paid over; ten shares of Adams Express company stock were mine, but no one knew that our little home was mort gaged to 'give our boy a start.' "Adams Express then paid month ly dividends of one per cent, and the first oheok arrived. The next day being Sunday, w? boys?myself and my ever constant companions?took cur ?s??bI Sunday afternoon stroll in tho country, and, sitting down in the woods, I showed them the oheok, say ing,'Eureka, I have found it.' x "H?re was something new to all of u ne, for none of us had ever reoeived r anything but from toil. A return frcm capital was something stresge and now. > "Some of the boys who had met in the grove to wonder at the $10 oheok ?"My indispensable and clever com panions" ho oalled ihem?were after . wards his partners in his famous com pany. To tho boy Samuel W. Allefton Working as a farm hand the owner ship of a farm represented the sum total, of human dcligbtB. Next best in tho line of coveted possessions was the rental of a farm with the horses and implements to run it. For these hehoardei as other boys will for guns and fishing tackle. Theso ^savings wore inveBtedin equipment andj-he ren tal of one farm after another until he was ready to buy ono outright. "It was. just ?100 which I had got ten together and with which I paid the rental on my first farm, it kept growing larger by being turned over and over iu farm property in spite of the fact that friends ?t first, warned me I W03 embarking on a foolish ven ture." That ho would compel success was the answer Al?orto? made to this. Ho worked the land he hVd rented for five 3???s, saved wsoro money, bought a farm for his father*: and- intest?* in {: more tools and horsefifor hi? e?3 esc. Ke then rented-n^orf .land, out of which homado $3,&Q in three years. This was invested in his first stock farmSnlUlndis. * "Laboring ait? of the best blasa i^Jlxom?iffii'iWd^ save out of the t??gOT iboy earn ?9w$" i& a statement 1er which men, unions, .labor ergaai sations ' a# even corporations have J fi^ " 'n?a c?re?r an a money. spender is '. the one which i4 always turned upon this ?t^l>*o^.'.;^;^ ..' . < . ?oihn ^'^ate*1;': reottd'^m^?^ STARTED. Vom Small "Wages. Fribuno. mere bagatelles; as a financier, bar ing million dollar mills by telegraph, with negotiations opened and conclud ed all in the half hour's stopover on a railroad' trip, are incidents which make the story of his first saving pale into insignificance. Earlier records, however, tell of the days when bo traveled in Texas ou a hundred dollars a month. Here he was inventing ways hitherto unheard and rmdreamed of for selling goods. All the time out of this salary he was saving the money which afterwards was the nucleus of the lit-tle capital with which he accomplished his grand coup of the . moonshiner factory. Later, when he married upon $3,000 yearly, he still added savings enough to this nest egg so as to have a con siderable sum when the inspiration came to him to start his barbed wire plant. * Thomas W. Lawson once said the history of his first Christmas in State street, Boston, illustrated his life. It was then that he received his .first lump sum of money. He was twelve years old and had come into the office of Armory Stevens & Co. in rjply to a sign of ".Office boy wanted." He was so little his chin barely oamo to the table top and was greeted with laughter, but he got the job. At Christmas he was given a present of $100. About this money.he says: VI went up State street to buy presents for my brothers and sister, and after spending $87 of it on something for sister was bitterly disappointed that.I couldn't get .three such presents as I wanted out of my $100," Lawson started out for himself as a trader while with the same firm, and when he was seventeen had $60,000 in the bank. Out of this money he gratified what had been the' desire of bis whole life and bought a buggy and a team of black horses. Soou after this ho was in a deal in which the stock rose so fast that before he could "cover in" ho had dropped $59,841 of hi? $60,000. 44I renumber," he say8 in telling of this, ' ?aat I decided to make a clean sweep and gave a din ner at Young's to a few friends with the purpose of getting rid of the $159 left. When the dinner check was paid there - was still $4.30, which I gave to Horace, the head-waiter. I waa broke at seventeen, after making What some people would be satisfied with as a fortune, |and started in again to pi?k up- rebate could here and there.". John. WanamaW' tells that his first incentive toward self-denial oamo to him with his first pennies. "The drat money I received," he says, "was seven copper cents, Which seemed to give me the idea that if I was ever to do botter than my comrades I would have to learn to save." The small wages he got while in his first nosi (iv? lu a pubiisnors office he saved religiously. At the same time ho de: vel?ped the faculty of spending gen erously and effectively when ho ohose, as a pretty story is told of his buying his mother a present every pay day, which though small was really a sub stantial one as compared with tho pay ho earned. His first largo sum of money was loth acquired and expended along the' same lines.. In the few years in which ho worked in a clothing store and acted as secretary for the Y. ?I. Q.''A.ho saved $2,000. Ho and a? friend with the same amount of capital j decided to start a Clothing storo of their, own. The way in which he hac d?'sd his capital at this time Seemed like the mdSt : reckless extravagance to his business contemporaries; He engaged as a salesman one of the best men he -knew to whom he offered, a i salary of $1,350, which ho had to guar- j boloo for the G?st year out of his capi tal.; Ho again drew on his expense ftocouot by taking this .salesman with him when he went to New York to buy goods. The association witl^Ohis salesman was his investment upor which he expected to realise in credit.. Thejpesuitwas.even more successful | fehaVu^oresaw^ i ? fi?eo always Ute to give people a impression that they arc superb ?tes, but few think it ? tribute | shen they are asked to bent the car* pet. ? A woman's idea of eoonbu^ifAfc^ buy a lot of things she has no use for because they >re cheap. Th?re are > many ?llegod ?usir re-. 3&6rers, bnt the youth wh? returns a ' real one. - \., ' After ? gtrl has celebrated Jhe twenty-fifth : anniversary of her birth \ha Stops seeking an Ideal husband *g4 1>*gi#8 to look around for a real mo. . !:-'Vv . ?he aV^rage age at ^hieb civi 1 A8 TO THE INSURANCE KATES Chamber of Commerce Committee Se cures Material Reduction. The special committee appointed some weeks ago by the Chamber of Commerce to investigate the increase in insurance rates in the city has made its report to President P. G. Brown. The report will be formally read at the next meeting of the Cham ber of Commerce, next Monday after noon, in order that the property own ers of the city may be at once put in to possession of the important infor mation which It contains: "Anderson, 8. C, Feb. 17, ^905. "Mr. Fred O. Brown, preseident Chamber of Commerce, Anderson, S. C. "Dear Sir: We, your committee appointed to investigate rates of in surance as recently promulgated in Auderson by tho Southeastern Tariff association, beg to report: "Our first procedure was to invite the co-operation of the local .agents of the Insurance companies, which was heartily accorded, j "We thoroughly investigated the general tariff and schedule of the. as sociation, and then applied them to tho risks in this city. "We compared the revised rates is sued January 6tb. 1905, with the rates in force prior to that date. We found a general advance all along the line. "The chief advance applicable to all buildings was a charge of 10 per cent for deficient city fire department. "On stocks we find the advance more considerable; the revised tar iff's differenco between insurance on stocks and. buildings Is greater than formerly,- and the reason is sound and not hard to find ; viz, In tho event of any building catching fire, while the fire department is fighting the fire, they are damaging the contenta of said building with water, for which the insurance comoanles are liable. Some stocks aie more liable to dam age by fire and water than others; hence the differenco In the charges scheduled. We also found a flat charge of 12 cents on all stocks for deficient city fire department. "On all risks In general, buildings, and stocks, we found numerous charges for deficiencies in construc tion of the buildings and their ex posure to other buildings and risks more or less dangerous. "These charges consist chiefly of unsafe electric wiring, unsafe chim neys, flues, stove pipes , open stair ways, elevators and skylights, wood cornie?s, dormer windows, division walls or parapets not standard, open ings next building not properly cut off, etc, etc. "A great number of these charges we found unjust and applied by the letter of schedule without discretion. Also we found a number of errors. "After locating the chief troubles, we Invited Mr. Jas. S. Mlddleton, Tariff association chairman for South Carolina, to meet us and to try to amicably settle our differences. "We had two meetings with Mr. Mlddleton, and are pleased to. say tha? we found him very fair and anxious to do justice to our claims: we suc ceeded In obtaining a general revi sion 6f rates and a decidedly lower average than was first applied by the Tariff association, these reductions betn& generally as follows: "You must understand fhet the charges of 10 cent and 12 cent for deficient city fire department were made because of,the absence of elec tric fire Alarms throughout the city; this sy?tem of alarms being neces sary for the city to rate In insurance circles as a city of the second class, and have no penalty added to rates. "Upon the promise off the mayor to take up this matter at the next sit ting'of council and to recommend, the installation of this -system, , and Ms assurance that council would prob ably install same, Mr. Mlddleton, .for the association, agreed to take off this charge; right here we must Impress upon you the fact. that- In order to continue to escape this penalty the city of Anderson must take steps looking toward the installation of the: electric fire alarm system. "This reduction makes the average rates on buildings less than it was before the Tariff association entered the State. "As to the deficiency charges, we succeeded in obtaining a general revi sion, making the average charges , on stocks considerably less than as rated January 6th. These rates will aver* age higher than, before the association entered the State. ! ?The old rates were made some yearn, ago and the general advance of the revised tariff of 1900 was hot applied to Anderson, although It was applied ,to other cities ..of Anderson 8izevin this, and other States, so that tho 25 per cent . .advance made throughout the Unit? Y; States applied on old ratings and tot on revised Tat ings ?s elsewhere. "The rates pn dwellings have been reduced. 10 cent^ to 15 cent through out. "We believe, that wo have now. ob tained rates that put us on the same busts as other cities of this State and North Carolina, and lower than ap plies to cities of the other Southern States. "The above report covers the mer cantile risks of the city generally: w? have not.attempted to take up and adjust each and every individual risk. We will say though that we found a number of errors In rates. You must know that each building and lot of stocks therein Is rated separately, a basis being used and the schedule charges added thereto: all this fe <iuires an .ehortnous volume of. work arid you can. readily understand that Iii compiling this work a number of errors must creep in. "The secretary/off- the local Board bff;UnderwrUers, Mr. J. D. Maxwell, has In hand these detailed ratings: should Any individual- insurer ni? dis-' satisfied with his T?te,he can apply to his local agent or to Mr. Maxwell y*ji? obtain the detailed charges going make up his rate. > : y ' ^ ; Rgjlff thero are any errors in charges or any deficiencies ta construction off his building, they can be vary easily gmMtfed and proper credit t3WW&& "Along this, lino we would recom mend that every owner of buildings In tt? c?ty nhcu?d -isSsff. ?fc=spt Sctlon ttt'nmke hla building comply with th? standard as ?ald down by the '?*tm ass?ol?lnm, looking toward a - reduc tion Of his rate and to the; protection of adjoirib^/|iropertles. ''CG^CtSuutg, wo would recommend to yciur body th? appointment , off a permanent, committee/ oh Insurance, which cornmUtee would be expected to keep In touch with auch matters and be ready at aft times to he cou nted .by any insurer, and give /ita % ?tAnce ,to such Insurer .. fjga the tloh of hl? specific grlm?Bbe. "Respectfully submitted^"} ;., *// ''S,U.Q^0v "Chns. A. Oirobrin, "X Av BrocU.- . "Committee/' Columbia Soluble Guano. -MLade from fish, and animal matter. Has no equal as Oj Ootton Fertilizer. COLUMBIA GOnVE^^tsTY, NORFOLK, VA. ?@=* FOR SALE BY -??r ANDERSON, S. C. Disraeli's Winning Courtship. It is told that tho great English statesman was in lovo with a widow, Mrs. Wyndhatn Lewis. Ono day when ho went to call, tho lady, sitting by the window, saw him approaobing and ordered tho servant to say that she was not at homo. When her maid reached the hall the statesman was hanging up his overcoat. "Mrs. Lewi?, sir, is not at home," said the flurried maid. "I did not aak for Mrs. Lowis," was the calm, statesmanlike reply. "But I dou't know when she will bo back,'' urged the maid. "Neither do I," philosophically re plied Disraeli, "but lam going to wait till she comes back, so please make me a cup of tea." ?Ho did wait, he got his tea and ho married ?. the' widow.?Philadelphia Record ?- m ? The Ideal Woman. New [York, February 10.?"Tho ideal woman" was the after breakfast topic at tho annual breakfast given by the National Society of New England Wciueo today. Mrs. Philip Carpenter, president of the ' State Federation, spoke of the ideal woman known only to husbands. She said: "The ideal woman is a woman no body knows, but a woman everybody has heard of many times?mostly from husbands. She's that wonderful wo man who can make - fine pies. She never sees the clock when her husband comes in late, never says auything but 'had a good time?'?even when ho ap pears as if he had. "I want to tell a story of a man who had three wives?I suppose he thought them all ideal. The first One, he said, n.?ed to patch and darn his clothes to the last thread. No. 2 used to tie up the holes with strings, and the third wife used to throw the qlothes away when they looked worn. Be put an epitaph on one stone for his three wive9, whiob read: 'Blessed be pitch natch, cursed be tie up, and devil take throw away.' "Yon ?iu?;" said M.s. Carpenter, "si is always the previous wife that is nearest ideaU"?Chioago Tribune*. - ^ ? .-,? PROTECT SOUBSELF AGAINST ; People With Weak; Stomaohs Most Liable to Catch Disease. When the stomach and digestive organs are weak, the food does not digest, and there is a sour, slimy, fermenting mass, making'it an ideal spot for the disease germs to multi ply. Th? only way to protect your self against the disease germs is to strengthen the stomach and digestive organe, and Mi-o-na is the only agent, so tar as is known,/ that will accom plish this. The ordinary medicine that is taken for indigestion and stomach troubles H advertised .to act upon the food alone, and hence can give no more than temporary relief. Mi-o-na is a oertain cure in all cases of stomach troubles, excepting oapcer, because it enables ths stomach and digestive organs to act in the way Nature in tended they should. Drugs cannot digest tho food; they simply decom pose it, - If you suffer with distress after eat ing, pains in tho head, chest, sides and back, belching of gases and undi gested food, bad taste in the' mouth, dizziness, or vertigo, heartburn, Ten able appetite, sick headaohes, spots before tho eyes, and have a general feeling of despondenoy, weakness, and. debility you should at onoo strengthen the stomach and digestive system by the use of Mi-o-na. There is no liquid, no alcohol, no spoonful doses with Mi owie. Just ooe simple tablet oat of a fifty-cent box before eating, and your stomach will soon he some so strong aad healthy that you will be germ proof. Ask S vans Phar macy to show you the guarantee under which th y sell Mi-o-na; costs noth ing Bsfes it surss. . _ fight like anything against staying ont late at night if his Wife tried to make him. - VV? The first time a giri wears ? low neck dress ahe feels Hke a man who goes', swimming rand has his clothes stolen. ? A boy would have-to nave a lot of nsrve to ha?e the good opinion of himself t^at hio mother has. WELL BALANCED. Your accounts cannot well got in a tan gle if your money is deposited with and all payments made through the? Farmers' Loan and Trust Company, Anderson, Sc C. It is our business to take care of your ibuBiness?the banking part of it?and we do it with accuracy that comes from ex perience. Tho Bank's past history is a guarantee for the future. Deposits of any amount reeeived. Interest paid on deposits. Qood bor rowers and good deposltorswanted. TO HAVE OUR NAM BEFORE THEM DURING 1905 Write us stating what kind of Machinery you uso orwiii install, and wo will mail you > Free of All Cost A HANDSOME AND USEFUL POCKET DIARY AND ATLAS OR A LARGE COMMERCIAL CALENDAR Gibbes Machinery Company, COLUMBIA, S. ?. A BTOOK OF HORS? POWER HAT PRESSES TO BK CLOSED OUT AT SPECIAL PRICES BE HUMANE I Get your faithful Horse a BLANKET to keep him warm these cold days. We have 1 hem from 75c. up. H.G. JOHHSOH&SSHS. BANNER SalVE tho most healing ealvo In tho world. IF that name stands for ?ea?ings and[trd?y artistic? , PIANOS, That's what our name stands for. C*?I and inspect our handsome irray of? ? AND ? THE Music House, Wanted to Buy Good, Plat Land, in good state of cultivation and well im proved. . Wanted to Sell. 132 acres, Hall Township?40 acres in bottom lands that will yield 10O0' bushels corn. Fair improvement. 148 acre?, Savannah Township, known as Evergreen place. Well im proved, good orchard. 84 acres, Hope veil Township. Tenant house, bam, &c. 45 acres im cultivation, balance woods and old fields. 152 acres, Rock Mills Township. Price 81200. 963 acres, Broadway Township. Well improved. Price 82500 87$ acres, Varennes Towi**hip?improved. 200 acres, Fork Township. JOS. J. FRETWEIX, ANDERSON, S. ?* -7 HEALTH AND VITAL8W mm mm hhih ma ski bb mm me -txr-rri-ra -xt-thy* ttc-ct tt?t-it AFTER USING. Tbo gr*?<*t remedy tor norvoun prostration and all diseases of tho gcnerntlr?< orr l either box, such as Nervous Prostration. Falling or Lost Manhood,. Irai., osy, Nlirhtly emissions, Youthful Errors, Mental Worry, cxcesslvo use.', of T->',acco or Opium, which lead to Consumption and Insanity. With cvory 85 order we Btt&raaie. to cure or refund the mono?. Sold at ?I.OO per box?, boxos for $6.00. DU. MOTT'8 CUGISICAL CO., Cleveland, C" FOB SAIiE BY EVANS JPfflABMAfiY. Flooring, Ceiling, Siding, Framing, Shingles, Lime, Cement, Lathes, Brick, Doors, Bash, Blinds, Mantels, Turned and Scroll Work, Devoe's Faint, Lead, . OU, Turpentine, Hard Oil, Glass, Futty, Etc. EVERYTHING ( THE BUILDER. IMPORTANT 1 INVESTIGATE when i need of any kind of-? ? MATERIAL. FOB THE See me. If I don't sell yoo I'll make the other fellow SELL YOU RIGHT: "W. Xj- BRISSBY ANDERSON, S. C. M < > 0 < w H M S OD *1 a tfi M H Q H GO 0 w I c 8 >J fa 9 ? 2 h> W o to ? ? S a != t? Tliih Establishment has been Selling IN ANDEBSON for more tha-. fcHy years. During all that time competitors? have come and gone, but we have remained right here. We have always sold Cheaper than any others, and during those long years wo have not had one dis satisfied customer. Mistakes will sometimes ooour, and if at any time we found that a customer was dissatisfied we did not rost untfl itv^a satisfied. This polioy, rigidly adhered to, hoRmade uo fru-uue, uuu *uu lut ing, and we can say with pride, but without boasting, that we have the confi dence of the people of thi? ?eclion. Wo have a larger 8tock of Gonds th?tr? season than we have ever had, and wo pledge yon our word that, we have se?, v * sold Furniture at as olose a margin of profit as we axe doing now. Thisie*' Broven by the faot that wo are selling Furniture not only all over Anderson loanty but in every Town in the Piedmont seotion. Come and see us. YtyjB v parents saved money by bvyinairom us, and you and your children oau ssve money by buying hoxe too. We oarry EVER x THIN w- in the Furniture lin&v ? f- tolly &'som, Dapot Street The.'OldC'KeliabletFurniturelI^alexe? WE have moved our Shop anu office below Peoples' Bank, in front c?* Mr. J. J. Fietwell's Stables. We respectfully ask all our friends that need' any Bocfing done, or any kind of Repair work. Engine Stacks, Evaporator,. or any kind of Tin or Gravel Roofing to call on na, as we ara prepared to tr> iptly and m best manner.! Soliciting tour patronage, we are, BMPsctfollj, _ * * BU^SB^jStVVEB.