Historical Newspapers of South Carolina

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THE PHONIX. StlBLtBUHD DAILY AHO TBI-WESKL?. THE GLEANER, KVEKS WEDNESDAY MOBNINQ. 3 Y JULIAN A. SELBY. EDITOB AMD PHOPBIETOB. \>i?oe OH Main Street, above Taylor. IV Book and Job Printing ol o vor y deeorip -don promptly and faithfully attended to. ADVEBTIBEMENTS Inserted in the DaUy at 75 contB por equave for the flrst and 50 oents eaoh subsequent in lertion. Long advertisements by tho weok, nontli or year, at reasonable rates. BUB80BIPTIOM. Daily, six months, $4 00; Tri-Weekly, 2 SC; rVookly, 150. This is what Coleridge said: "If yon wish to be assured of tho truth of Christianity, try it." "Believe, and it thy belief be right, that insight which gradually transmutes faith into know? ledge, will be the reward of thy belief." To be vitally convinced of the truth of "the process of renewal described by Soripture, a man xnnst put himself with? in that process. " His own experience of its truth, and the oonfidont assurances of others, whom, if candid, he will feel to be better than himself, will be tho most snffioing evidence. The Christian must learn tbe things of God as be learns anything else, by applying himself to them. In bis ex? perience be must dig into a doctrine aa a miner digs into a mountain. He sees tbe mountain and knows it is there be? fore he strikes a blow; but every stroke reveals something be never saw before. He believes in tho dootrine from tbe first boar of bis experience, from be? fore bis experience, it may be; but he knows more about it, sees new beauties in it every time he contemplates it. The "proud ca th ar ti o State" ie what her loviug sons call the Commonwealth of Kansas. It all comea from tho culti? vation of castor beans. CITIZENS' SAVINGS BANK SOUTH CAEOLIHA -_.?-? Deposits of $1 and Upwards Beceived, INTEREST ALLO WEI) A T TUE RA TE OI? SE VEN FER CENT. FER ANN VU, ON CERTIFICATES OF DEPOSIT, AND SIX- FER VENT. COM? POUNDED EVERY SIX MON TUS ON A COO UN TS. OFFICERS. Wm. Martin, President. JohnB. Palmor. I viao.Pnml?i.<n? John P. Thomas. J V10? 1 r0B,tRjt'? A. G. Bronizer, Cashior. J. II. Sawyer, Assistant Cashier, i charlo of ltranchos. John G. B. Smith, Assistant Cashior. Directors. Wade Hampton, William Martin, A. C. Has koll, F. W. McMaster, John P. Thomas. E. II. HeinitBh, John D. Palmer, Thomas E. Grogg, Columbia. J. Eli Gregg, Marion. G. T. Bcott.Nowberry. W. G. Mayos, Newberry. B. H. Rutledge, Charleston. DanielBavonol, Jr., Charleston. Mechanics, L&horore, Clerks, Widows, Or? phans and others may here deposit their sav? ings and draw a liberal rate of interest there? on. Planters, Professional Men and Trustees wishing to draw interest on their funds until thoy require thom for business or other pur. poses; Parents desiring to set apart small .urns for their ohildron, and Married Women and Minore (whoso deposits can only be with? drawn by thomeelves, or, in caso of death, by their legal repr?sentatives,) wishing to lay asido funda for futuro use. are hore afforded an opportunity of depositing their means whore they will rapidly accumulate, and, at tho samo timo, be subject to withdrawalwhen needed._Aug 18 Tho rattle for Tempor?neo Hall, Ac, will positively tako place on tho 10th November. BEST IN THE MARKET! CHOICE and eeleot FAMILY GROCERIES, fnll assortment of Sugars, Co flee B-Rio, Java and Laguayra; Toas of all kinds; Chocolates, Broma, Spices, Pickles, Sances and Tnblo Dreesings ol all kinds and descriptions, Cheese - Snp-Sago, Factory, Pinc applo and others. A loll tte ( li t f (he bett brands of FAMILY FLOUE, In barrels and packages, consist ir g in part of Nonpareil, Madieon and Highland. Also, Oatmeal, Pearl Grist, Hominy, Corn, etc.; Table and Liverpool Bait, Biscuit and Crackers of all kinds, Eng? lish and American. Pota toes, Onions and other Vegetables constantly on band to supply retail trade. A fall supply of all kinda of EAHCY SOAPS, including Colgate's best toilet, and that for domestic purposes. Canned Goode of every description. Jollies ard Preserves, best family Bntter, Lard, Molasses of all grados, Meats, Hams, Dried Beef, Tongues, Bacon Stripe, Bollies and Bides. Also, a foll assortment of FISH, including best No. 1 and Moss Mackerel, and Smoked and Pickled Salmon, etc. Particular attention is invited to onr fall stock of LIQUORS, Embracing the best brands, foreign and domestic, to be found in the market. CHAMPAGNES of all popular brande; Sherries, Madeira, Port and Catawba Wines bf all kinds, and Bittere of every grada Also, English, Scotch and Bremen ALEB, of tho following brande: McEwan'a, Muir ct Sons', Younger'e, etc, etc. Especial attention ie called to our MONOGRAM and other! WHISKEYS, the best in the market for family use or medicinan purposes. Also, to our BRANDIES, including the best Hirort Pellevoison, Larroudo Fres. Cogneo, vintage of 1805. Also, GINS, Palmetto and Swan brands. All imported and warranted good. Also, wo have en hand a full stock of choice CIO APR and HEWING TOBACCO, Bagley's Fino Cut, etc. A stock of BAGGING and COTTON TIES, and other articles for plantation nae. In fact, everything needed or to be found in a first class Grocery Store, and at prices to suit the times. Wo warrant our goods first clase, and invite An inspection of them. HARDY SOLOMON, Oct G Columbia Hotel Block. GREAT SOUTHERN PREISET HE mSlltll LINE, VIA CHARLESTON, S. C. TO AND FROM BALTIMORE. PHILADELPHIA, KEW YORK, BOSTON, AND ALL THE NEW ENGLAND MANUFACTURING CITIES. THREE TIMES l^^^^^B!j}g^^!lF^^ A WEEK. Tuesdays, Thursdays, Saturdays. El.EGA NT STA TE-IiOOM A CCOltMODA TIONS. 8ea Voyage 10 to 12Hours^^^^^^^^^^Shorter via Charleston. TOTAL, CAPACITY. 40,000 BALES MONTHLY. The South Carolina Railroad Company, AND coonee) ung Roads Wo?t, In alliance with the fleet of thirteen first class Steamships to the above ports, invite attention to the quick time and regular despatch afforded to the business publie in the Cotton States at the . , PORT OS* GHARLBITOR, Offorlng facilities of rail and aea transportation for Freight and Passengers not excelled in excellence and capacity at any other port. The following splendid Ocean Ht camera are re? gularly on tho line: * ? TO NEW YORK. MANHATTAN, ' GEORGIA, H. B. Woodhull, Commander. 8. Crowell. Commander. CHAMPION, SOUTH CAROLINA, B. W. Lookwood, Commander. T. J. Beckett, Commander. CHARLESTON, CLYDE, James Berry, Commander. J. Kennody, Commander. JAMES ADOER, ASHLAND, ? T. J. Lookwood, Commander. - Ingram, Commandor. JAMES ADGER & CO., WAGNER, HUGER & CO., Agents, Charleston, 8. C. WM. A. COURTENAY, Agents, Charleston, 8. 0. TO PHILADELPHIA, ' VIRGINIA. EMPIRE, Alex; Hunter, Commander. C. Hinckley, Commander. SAILING DAYS-THURSDAYS. WM. A. COURTENAY, Agent, Charleston, 8. 0. TO II A LT I MOUE . FALCON. MARYLAND, Haime. Commander. Johnson, Commander. SEA GULL, Dutton, Commander. Sailing Days-Every Fifth I v.v. . PAUL 0. THEN HOLM, Agent, Charleston, S. C. Bates guaranteed as low as those of competing lines. Marino Insuranco, one-half o ' one per cont. THROUGH BILLS OF LADING AND THROUGH TICKETS Can be had at all the principal Railroad Offices in Ocorgia, Alabama, Tennessee ?nd Missis? sippi. State Rooms may ho ?ocurcd in advance, without oxlra charge, by addressing Agents of the Steamships in Charleston, at whose offices in all caBoe tho Railroad Tickets should ho exohanged and Berths assigned. Tho Through Tickets by this route include Transf?re, MoalB and Btate Boom, while on shipboard. Tho South Carolina Railroad, Georgia Railroad, and their connecting lines, havo largely increased their facilities for tho rapid movement of Freight and Passengers hotween the Northern cities and the South and West. Comfortable Night Cars, with tho Holmes Chair, without extra oharge, have boen introduced on the 8outL Carolina Railroad. Firat class Eating Saloon at Branchville. On th'o Georgia Railroad first class Sleeping Care. Freight promptly transferred from Steamer to day and night traine of the South Carolina Railroad. Close connection mado with.other Roads,delivering Freights at distant points with groat promptness. Tho managers will nso every exertion to satisfy their patrons that the lino via Charleston cannot be surpassed in despatch and the safe delivery of goods. For further information, apply te J. M. SELKIRK, Superintendent, Charleston, B. C.; B. D HABELL, General Agont, P. O. Box 4,079; Offlcs 317 Broadway, N. Y. ; 8. B. Piraros, General Passenger and Ticket Agont, South Carolina Railroad. ALPltED L. TYLRU, June 20 }Gmo . Vico-President Benth Carolina Railroad, Charlot ton, 8. 0. DRAWING POSTPONED from OCTOBER 1, 1871, ta JANUARY 8, 1872, In Consequence of tlio Fever In Charleston, S. C. $500,000 TO BE HUD AWAY. The South Carolina Land and Immigration Association, BUTLER, CHADWICK, GABY & CO., AGENTS, UNDER the auspices ot the "BoutU Carolina Stato Agricultural aud Mechanical Society," will give a sortes of CONCERTS, at tho Academy of Music, Charleston, S.O., commenc? ing January 8, 1872. Refers to all tho bankers, brokers and prominent gentlemen of tho country, both North and Bondi. 150,000 Season Tickets of Admission, at $5 Each. If you have not received a circular, send tor ono, giving full particulars. All orders strictly confidential. 2,405 Gifts, Amounting in all to $500,000. Tho drawing of this great Southorn enterprise will be conducted under the supervision of tho following well known gentlemen: Oeu. A. lt. Wiight. of Georgia; Gen. bradley T. John? son, of Virginia: Col. I). II. Butledgo, of South Carolina; lion.Roger A. Pryor, of Now York. Mouoy for Tickets can be sent either by Express or Post Oflicc Order, and tho Tickets will bo promptly forwarded. ?3-Dircct all letteT to BUTLER. CHADWICK, GARY ?t CO., Principal cfllce, Charleston, S. C. Charleston, S. C. GEN. M. C. BUTLER. JOHN CHADWICK. GUN. M. \V, OAUY. Oct 1 - ?Imo Good News for Columbia! CLOTHING EMPORIUM. TUE subscribers, having located pcimnnenlly in thia city, . eg to inform tho public that ho hae openod a tino and select stock of AND FURNISHING GOODS. Our motto is "QUICK SALES AND SMALL PROFITS." and wo guarantee satisfaction to all who may favor us with their patronage. Give us a call before purchasing elsewhere. Sept 8 Imo S. STRAUS & BRO., Columbia Hotel Building. YELL OJH_ LINE! FAST FREIGUTS TO AND ? FROM N0RT11ERN CITIES, Via Charlotte, Colombia and Aupueta Railroad, North Carolina .Railroad Raleigh and Gaston Railroad, Seaboard and Roanoke Railroad, and Steamers between Portsmouth and New York, Boston, Philadelphia and Baltimore ! ? nra lunn "TT THE ABOVE-NAMED RAILROADS, in cou <y^T nection with tho Steamer Lines, having united lil]] ?B Efl_i - M|miiYjg?^KW..pKfgp^^r i n forming a Fast Through Freight Line, to bo jtfBMSi^JKgWfaBmjyl^ jg known us the YELLOW LINE, ?ill put in opera QW^gg^l^a^?gr^^r^----VisnaT.tion, on tho 4th or September, a EAST TH ROUGH FREIGHT SCHEDULE between Columbia and Augusta and tho above-named Northern cities. Tho attention of shippers and receivers of blight is called to tho following advan? tages offered by the line: It is almost entirely an inland route, hy which rates of insurance and risks of delay from bad weather aro greatly reduced. Tbero iu no di synge, and no transfers, except under cover. Daily Steamers will run between Portsmouth and Baltimore, Philadelphia and New York, and ftcights will have prompt despatch. Rates and classifications tho same aa hy other routes. Through bills of hiding given and claims promptly adjusted. to- HAYE GOODS M A lt KED "VIA YELLOW LIKE." "Sa For further information, apply to E. P. ALEXANDER, Superintendent Charlotte, Columbia and Augusta liailroad. E. R. DORSEY, General Freight and Ticket Agent. Sept 2 3mo ?3 9JT $250,000 -a? In Real Estate and United States Gold Bonds Will positively ho distributed by RAFFLE on tho 22d of November, 1871, in public, in tho city of Charleston, at 10 o'clock A. M.. by CHARLESTON CUARITARLE ASSOCIATION, RENEFiT FREE SCHOOL FIND, Chartered by the Legislature of South Carolina at its last session, and approved Marth 8,1871. ONLY FIVE DOLLARS PER SHARE! -o THE RAFFLE will positively take placo on WEDNESDAY, thc 22d day of November, 1871, in public, in tho city of Charleston, at 1? o'clock A. M. All tho Property, real and personal, mentioned below must ho Distributed in ibu Award, and a valid deed of each piece of Kcal Estate, free lroni all incunibrances, given. Ibo Per? sonal Property and United States Gold Ronda will be delivered imm?diat (dy after tho Rafllo. ! Each and every Certillcato has Three separate and distinct Numbers in figures, aud tho wordB of each figuro written thereon, anti aro all combined with each other from Nos. 1 to 78 pro nummo n sly. All tho Certificates of Shares issued by the Company, with their numbers, are registered in their books. SCHEDULE ?F AWABDS. That Certificato of Sharo having on it tho 1st, 2d and 3d numbers obtained on tho Rafllo will be entitled to tho award of that first class Threo-Story Warehouse, sit?? alo on Meeting street, No. 147, Charleston, s. C., (opposite tho Charleston Hotel,! being 38 feet Iront by about 240 deep, freo from all iticumhranccs, and valued at. .{35,000 That Certificato of Share having on it tno 4th, 5th and Otb numbers obtained on tho Rafllo will be entitled to the award of that first class Three-Story Warehouse, No. 145 Meeting street, Charleston, B. C., freo from all incumhrances, valued at.130,000 That Certificate of Share having on it the 7th, 8th aud Otb numbers obtained on tho Rafllo will he entitled to the award ot that first class Three-Story Warehouso, No. 143 Meeting street, Charleston, S. C., freo from all incumhrances, valued at.$27,500 That Certificate of Share having on it tho 10th, 11th and 12th numbera obtained on the Bailie will bo ontitled to tho award of that Three-Story Warehouse, No. 141 Meoting street, Charleston, S. G., free from all incumhrances, valued at. $25,000 Tho abovo Four Warehouses are opposite tho Charleston Hotel, and are tho moat valuable ?roperty in Charleston, hat Certificato of Bhare having on it the 2d, 3d and 4th numbers obtained on tho Raffle will be entitled to an award of that fine piece of property, aituato on Broad street, Charleston, B.C., and known as the "Maueiou House," free from all incum? hrances, valued at.$20,000 That Certificate of Share having on it tho 3d, 4th and 5th numbera obtained on the Raffle will be entitled to an award of that fine Two-Story Dwelling, situate on Gadsden and and Lumber streets, Columbia, S. C , with all tho out-bnildiugs and improvements, with about half an acre of ground t hereto, valued at.$10,000 That Certificate of Share having on it the f>tb, (Uh and 7th numbers obtained on the Raffle will be entitled to an award of that fine Cotton Plantation, containing about 1.800 acres, one-third cleared, and heavily timbered, situate} in County of Darlington, on Groat Pee Dee Uiver, free from IncumbranccB, valued at. $10,000 That Certificate of Bhare having on it Otb, 7th and 8th numbers obtained on the Raffle will bo ontitled to an award of United States Gold Bonds (new issue) of value of.. $3,000 That Certificate of Share having on it 8th, 9th and 10th numbers obtained on tho Rafllo will bo eutitlod to an award of United States Cold Bonds (now issue) of valuoof.. $2,000 That Certificate of Sharo having on it the Otb, 10th and lith numbers obtained on tho Raffle will bo entitled to an award of United States Gold Bondi- of the valno of_$1,000 ThoBO Forty Certificates of Shares having on thom following numbers obtained on Raffle: 2d 3d nth 2d 4th 6th 4th 5th 7th 5th Otb 0th 0th 7th 12th 0th 10th 12th - 2d 3d 7th 2d 4th 7th 4lh 5th Rib 5th 0th 10th 7th 8th 10th lat 3d 4th 2d 3d 8th 3d 4th 8th 4th 6th 0th 5th Cih 11th 7th 8th 11th 1st Ith 6th 2d 3d Oth 3d 4th 9th 4th 5th 10th 5th 0th 12th 7th 8th 12th 1st 5th Otb 2d 3d 10th 3d 1th 10th 4th 5th 11th (Uh 7th Olli Kth 9th 11th lat Otb 7lh 2d 3d 11th 3d 4th Uth 4th 6th 12th Gib 7th IOU, 8lh 9th Pith 1st 7th Uth 2d 3d 12th 3d 4th 12th 5th Otb 8th Ct h 7th lilli Will bo each entitled to an award in United fc tates Gold Bonde of tho value of.. $500 Those Fortv Certificates of Shares having on them following numbers obtained on rafllo: 1st Rth 0th 2d 9th 10th 3d 11th 12lh 5th 8th 9th 7th 9th 10th Int 9th 10th 2d 10th lilli 1th Gth 7ih 5th ?th Kith 7th 10th 11th 1st 10th 11th 2d 11th 12-h 1th 7th 8th 6th 10th 1Kb 7th 11th 12th 1st Uth 12th 3d 51 h 0th 4th 8'h Oth 5th 11th 12lh 8th Kith 11th 2d 4th 5ih 3d 0th 7th llb 0th Kith (?th 8th Otb 8th 11th 12th 2d 6th (iib Sd 7th Sib 4ih IPG, 1 lt lt | Gili 9th Killi Otb 11th 12th 2d Ct h 7th ?1 8th 9Hi 4th Uth IJtl. (Uh Huh lilli 1?! 3d otb 2d 7th 8th 3d 9th loth 5th 7lh mb | (Uh lilli Billi 1st 3d Gib Will bo each entitled to an award of United Statce Gold Bonds of ihe value if. .'J?O All tho other Certificates of Shares having on them any three numbers obtained on the Rafllo, and not designated as any of tho abovo Certitiealcs are, will each be enti? tled to an award of United Stales Bonds of the value bf. $50 Awards will bo made only to such Certificates of Sharia as have three numbers on them, so obiaimd on tho Bailie. To such nsdnsiro to take Shares in this great Rafllo and distlihution i f rea) and personal proporty, tho Directors will afford every facility and tia Hefa et ion, and perfect fail ness will be exercised throughout, and many persons may trace their lu turo pro? ?c?a in businessand station hi socielv to a fortunato siinro hoicin. Orders, with tho monoy for Certificates, may be font by Express, or Registered Letters, or Post Ofllco OrderB, at tho riak of tho Association. Persons ?ending order? will ho particular to givo thoir names, places of residence, Cornily and Slate, which will be entered in tho books of tho Company, and immediately upon tho Rafllo taking place tho official raffled numbers Will bo forwarded to each correspondent. Tho Rafllo will positively take place on tho day named, and every award of tho properly and ? old Bonds must bo made to the holders of thu Certificates. Address all ordors to I" Ti LEVIN, Agent, Columbia, S. C. Charleston Charitable Association', Incorporated by Act of Assembly, 1870-71, and approved March 8, 1871. FIRST GRAND SINGLE NUMBER RAFFLE! AHO DlHTI'.Ull.TION OF 400 Awards in United States Gold Bonds, New Issue, FOIi THE BENEFIT OF TUE FREE SOUOOL FUND, WILL TAKE l'LACE ON THURSDAY, OCTOBER 13, 18 7 1, At No. 147 Meeting Street, Charleston, S. C., at 1 O'Clock 2\ M., in Public. Full Certificate Shares, $5 ; Halves, $2.00 ; Quarters, $1.25. Ten Thousand If umbers Only I FOUR HUNDRED AWARDS of United StatCB Gold Bonds (newisBUo) to be distributed immediately upon the H a flin taking placo. SCHEDULE OF1 AWARDS. One Awunl of SID,ooo in Golil Bonds, ls.gio ooo Ono Award of $2,600 in Oold Bonds, is.....".*."......".*.".... 2500 Ono Award of 2,000 in Oold Bouda, ia.!...!.";!!'''.' 2 000 Ono Award or l.OUU in Gold Bouda, is.1 000 Ono Award of ?00 in Gold Bouda, ia.200 Ono Award of 600 in Gold Bouda, ia." COO Ono Award of 500 in Gold Bouda, ia...!*.!."*!'" 600 Ono Award of 2.r>0 in Gold Bouda, ia..*nrn Ono Award of 250 in Gold Bouda, ia.250 Ono Award or '250 in Gold Bonds, ia."250 Ono Award of 250 in Gobi Bonds, ia. 250 Ono Award of 200 in Gold Bouda, ia.200 One Award of 2(10 in Gold Bouda, ia. 200 Ono Award ol 200 in Gold Bouda, ia.?00 Ono Award of 201? in Gold Bunda, is.200 Five Awarda of 100 in Gold Bonds, are.600 Ton Awarda of 50 in Gold Bouda, are.500 Twenty Awarda of one-half each of ono $50 Gold Bond, aro.:....*.".*.*." 600 Pitty Award? of ono fifth each of one $ 100 Gold Bond, aro. 1 OOO Ono Hundred Awaids of one-tenth each ot ono $100 Gold Bond, are. 1C0O Two Hundred Awarda of one-twentieth each of ono $100 Gold Bond, are. l'oOO 400 Awards to be Distributed in Gold Bonds, in conformity to Law, Explanation of Hie Distribution. Numbers from 1 to 10.C00, (the same numbera being on tho Certificates,) are printed on beparato Blips of paper, which are each encircled in tubes, and are all placed in a Glass Untile C> limier. *1 he Four Hundred Awards, in accordanre with tho schedule aleve, aro alan printed on separate slips of paper, and each ia encircled in a tube, aDd all are then* placed in another glatB c;linder, coiled thoAwbid Cy linder. Ike cylinders are both re? volved, and a bamber ia taken bom thc c> lintier of numbera by a boy blind-folded, end one of tho awards is taken from tho Award Cylinder bv a boy likewise blind-folded, both of which are exhibited to tho spectators, und tuc h nnmber will bo entitled to tho award; and thia operation will be repeated until 400 numbera aro taken item the Nnmber Cylinder and 100 Awarda from tho Award Cylinder to euch numbera. Tho Commissioncru will enter down each nnmber on their books BB taken from tho cylin? der numbera, anel tho Awards to each ne taken from tho Award Cylinder. Tho Raftlc will take placo on tho day and commence at tho hour named. There will bo no postponement whatever, and all tho Awarde muat be distributed. Ci rein? UK O for Sale at all the Agencie* of the Association. COMMISSIONED-FENN PECK AND JAMES (ULLILAND. For orders, addreaB L. T. LEVIN, Agent, Main Btreot, Columbia, B.C. J. P. HORBACH, General Agent, No. 147 Meeting street, Charlton, 8. C. BeptU GRAND PRIZE DISTRIBUTION^" rpiCKETS to tho Concerts of the SOUTH CAROLINA LAND AND IMMIGRATION ASSO? CIATION ready for sale and delivery. All orders from the country promptly filled. Agents wanted for tho Countioa of Lancaster, Lexington, Spartanbarg, Greenville, Abbeville, Oco neo and Bickens. Apply to D. GAMBR1LL & CO., JuneG General Agente, Columbia, 8. 0. THE UNIVERSA!. UFE iniuiEiJHLw^nniiT! LIBERTY STREET, ^^^^^^^^^^^^^ NEW YORK. The Original Stock Life Insurance Company of the United States. OFFICERS: WILLIAM WALK.EH, President. HENRY J. FURBER, vice-President. JOHN H. BEWLEY, Secretary. GEORGE L. MONTAGUE, Actuary. E. W. LAMBERT. M.D., Medical Examiner. -!-o THIS COMPANY offers ibo following IMPORTANT ADVANTAGES to those about EFFECTING INSURANCE ON THEIR LIVES: 1; Insurance at Stock Ratea, being from 20 to 80 per cent, loss than tho rates charged by mutual companies.' 2. Each Policy-bolder ia regarded aa a Stockholder to tho extent of one Annual Premium on bia Policy, and will share in tho Profita of tho Company to tho same extent as a Stock? holder owning an equal amount of the Capital Stock. 3. Every Policy iaauea by tho Company ia non-forfeitable, and cont nins a Iclanao stating its exact Surrender Value. Before. Insuring your Life or accepting the Agency of any Company, RUAD THE FOLLOWING! A lengthened cxperienco has demonstrated that tho nilen of premium ordinarily charged by life insurance companies aro from twenty-five to thirty per cent, in excess of what are ne? cessary for a safo anel legit?malo conduct of tho business. In otbor words, carefully and prudently-managed companies charging "mutual" ratos have been able to return to their policy-holders from 25 to SO per cent, of tho amount charged for premiums. When lifo in sur ance companies wero first organized, reliability of the data upon wbioh pre? miums were constructed had not undergone teat of experience. It was thought, therefore,no more than common prndenco to adopt a scale nf premiums which would, in any event, meet all tho presumed and unforeseen contingencies of the business. As long ae the matter was involved in aomo doubt, it was better to fix the rate too high than to incur tho risk of mak? ing it too low; because in tho former case, tho error could be easily remedied, at least in ' part, by returning to the policy-holders, at certain intervals, such portion of the premium I charged as waa found necessary for the purposes of tho business anel the complete security of tho company. Experienco, however, having satisfactory demonstrated that these ratea aro excessive, what possible excuso can there bo for maintaining them? Availing themselves of this experience, the Directors and Managers of the Universal Life Insurance Company, at ito organization, adopted a scale of premiums in accordance there? with, and which baa proved to be fail aud adequate, and all that was necessary to meet the requirements of tho business. These premiums arc about twority-flve per cont. lower than thoso charge by mutual companeie. It also appeared, inasmuch as the rates so established were as near as could possibly bo determined fair rates, and not in excess of what Insurance has previously cost the policy-holders in mutual companies, that any profits arising from prudent management Justly and properly belonged to the stockholders of tho company, for tho riak iuenrred by them in undertaking tho business. Experienco haa shown that there aro aources of pr?>fitinthe practice of the business which theory will not admit of being considered as elem.mts in tho calculation of the premiums. Theso result? form a saving in the mortality of the riembe-ra of a company owing to the me? dical Bole-ction of good lives, a gain in interest on th?? investments of the company over that assumed in the calculation of its premiums, tho profils derivable from the lapsing and sur? render of policies by the membore, and from other minor sources. Profits from theso sources, in a company possessed of a capita1 of $200,000, and doing a fair amount of business, would givo to the stockholders dividende largely in exceso of what wero counted on by the Directors of the Universal at the timo of its organization. They have, therefore, determined to divide among tho policy-holders of tho company a large part of the profits acoruing from tho sources named, all of which have heretofore been divided among the stockholders. Tho plan adopted for snob division is as follows: Every person who may hereafter insure with tho Universal will, for tho purposes of division, be treated as a stockholder to extent ef ono annual premium upon his policy; and will sb uro in tho profits of the company to precisely same extent aa a stockholder owning au equal amount of tho oapital stock. By thia cyst em of insurance, original with tho Univoraal, tho policy-holder seoures the fol? lowing important advantages: 1. lnauranco at tho regular "stock" rates, requiring a primary outlay of about twenty to thirtv por cent. ICBB than that charged by mutual companies, and which is equivalent to it y??rlv "dividend" paid in i<dvanco of that amount on mutual rates. This low cost of insur auco is worthy of attention. Since its organization. HI?B company has received in premiums from its policv-holdcrs tho sum of $1,617,000. To effect tho samo amount of insurance in a mutual corap?nv would have cost them an initial outlay of $2 000,000. By allowing its poliov holdera to retain, in their own possession, thia CXCCBS of $4?3,O0O, tho Universal has virtually paid them a "dividend" of M83.O00. and paid It, too, in advance, instead of at the end of one or mrtre years. It ia imposaiblo to find any example cf a mutual company furnishing insur? ance at so low a cost by returning to policy-holders an equal amount upon similar receipts. 2. Participation in tho legitimate profits of the company, Upon a plan which secures to tho policy-holders tho same treatment which directors and stockholders award to themselves. This syetem of participation, in connection with tho low "stock" rates of premiums,muet necessarily segure to tho policy-holders every pocsiblo advantago to bo dorlvcd from prudent and careful management. Th? low rates of premium compel economy, and, independent of participation, guarantee to ihr pohev-holder hin insurance at a rate which ia not in excess of tho cost in well managed mutual companies; whilo, hy tho proposed plan of participation in what may bo considered the legitimate pr.?tits of tho*husinesH, tho cost will lib f till further diminished. i hus bv tb?< combined advantages arising from low stock rato and participation in profits, it is confidently believed tho Universal Lifo lnauranco Company offers iusuranco at its lowest practicable cost. Thoso of tho existing policy-holders who de-tiro te> participate in tho profits uneter the new plan can do so bv making application to tho head office, or to anv agents of tho company. Tho company Ss in a sound financial condition. Ratio of assets to liabilities 18C to 100. Good reliable agents wanted, who will dual direct with tho Now York office, and to whom Cull general agents' commissions will be paid. M. Wi GARY ?nd M. C. BUTLER, St ato Superintendents of Agencies. Office on Richardson street, oppopite Columbia Ilotcl, Ceilumbia. 8. O. Sept 0