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EVEB?WEDNKH?AV kmarriKc^- M:t: 3 Y JULIAN ^MilfefK? ^ EDITOUi AND ?^gBl?KCO?t'.'X ; o? .t. Hflco on Main Street, abovo Taylor. er*Book and Job Printing of overy dWorlp don' promptly and faithfully attended to. ^uiaADYEaTIBHHENTS-L Inserted in the Daily at 75 cents per Bqnare for trie first and.50 conta-oacli^eubaemiont ill? ?ertiqrj'i,* Long'advertisement's by th? week, non tl; or year, at roasonablo rateo. ?, ?-. , < ?: Y'*' 8?BB?BIFW?H. Daily, ?l,x months, H l)?; TriVWeekly, 2 5C; ffeottlv, 1 50. ..".'.VV. ?A, _ - A MODERN JOB.--A -certain gbod-nu tnred old Vermont ffirmer preserved bis j con g taut good 'un turo, let what would tura' up... Ono day,.ono of bia men came in, .bringing, tho netos that ono of bis red j oxen was dead. "Is ho?" said the old man. "Well, ho' was' always a-breecby ousa. Toke bia bide off, and carry it down to | Fletcher's; it will fetch the cash." An hoar or BO afterward, tho men came back with tbe news' that Jjinebuok nud his mate were both dead. - "Aro they?" said tho old man. ,cWell,T took them of B. to save a bad debt that I never expected to get. It is lucky that it ain't the brindles.-' After tbe lapse of another hour, the I men dame bapk again to tell bim that tho | nigh brindle was dead. ' : "Is he7," said tbe old man. "Well, he was a very old ox; take off his hide and take it down to Fletcher's; it's worth'casbi''and will bring more than any two.of tue others." Hereupon bis wife, who was a very pious soul, reprimanded her husband severely, nud asked him if he wus not | aware that his loss wan judgment from Heaven upon bim for his wickedness. "Is it?" said the old man. "Well, if they will tako the judginunt in cattle, it is the easiest way I can pay it." . . fKansas City Times. Josh Billings says. "Most men will | concede that-it looks fooliah to see a boy drnggin* a heavy sled up hill for the Hoot in' pleasure of ridin' down again. Bat it appears to me that the boy is a sage by.the side of a vonng man who works hard all tho week, and drinks up his wages on Saturday night." GEORGE PAGE & CO., No. 5 N, Sliroeder Street,'Ballimore, Md., ? '? Manufacturera of PORTABLE ABD STATIONARY STEAM , ENGINES ABD BOILERS, : Patent Improved, Portable ?. CIRCULAR SAW MILLS, GANG-. M ULA Y AND SASH SAWMILLS, i"i RIST MILLS. TIMBER WHEELS, 8HIN VT OLE MACHINES, Ac, Dealers in Circu? lar Saws, Belting and Mffi snpplies generally, and manufacturer'!! agents for Lead's Cele? brated Turbine Water Wheel and every de? scription of Wood Working Machinery. AGRICULTURAL ENGINES A SPECIALTY. ?srSetnl for descriptivo Catalogues and Price Lists._May 23 jfTTly The only fino Playing Carda "at POLLOCK s GREAT S< FREIGHT M I CHARLES TO ANT BALTIMORE, PDILADELPB1 AND ALL THE NEW ENGLA* THREE TIMES Tuesdays, Thurs ELEGANT STATE-IWl Sea Voyage 10 to 12 Hours . TOTAL CAPACITY, 40 The South Carolina AND connecting Roads Weat, In alliance wi the abovo ports, invite attention to the qi business pabilo in tho Cotton States nt the PORT O SP CI Offering facilitiea of rail and sea tram-porlntl excellence, and.capacity at any other poi t. 1\ gularly on'tho Une: ! TO NEV! MANHATTAN. M. 8. Woodhull, Commander. CHAMPION, B. W. Lockwood, Commander. CHARLESTON, ' James Berry, Commander. JAMES AD0?R," ' ' 1 T. J.'LbokWoOfl; Commander, i JAM?S ADGER &OO., \ Agunta, Charleston, S. 0. TO P II I I. A VIRGINIA. . Alex. Hunter, Commander.. BAILINO DATS - ' WJ TO BAL' FALCON. , Haimo. Commander. SEAGULL, '?* Dutton, Commander. . PA Bates guaranteed aa low as those of compel per cont. THROUGH BILLS OF LADXB Gao be had at ?ll the prinoipal Railroad Onie sippl. State RoomB may be secured in advance, w the Steamships in Charleston, at whoso offiot exohanged and Bertha assign?e]. Ibo Thr< Meals and Stato Room, while on shipboard. The Booth Carolina Railroad, Coorpia Bail inoreaaed their facilities for tbe rapid move Northern cities and the Sooth and West. Co without extra charge, bave boen introduced Eating Saloon at Brunch ville. On the Georgi Freight promptly transferred from Pttamer Bailroad. Clono connection made with otboi with great promptness. The managt? will n the line ?fa Charleston cannot be aurpaeai-d i: For furthor information, apply to J M- BEI HABXLL, General Agent, P. O. Box 4 979; Offie Passenger and Ticket Agent? South Carolin a I June 20 46mo Yice-Presidei j Sundries. BOXES aseortod GRACIEE R8. 100 boxes" assorted Canned Gooda. CO boxes Soap. r->i,i , , ? 60 boxe? Candy.,: 50 boxes Caudles . ' ., 200 barr?la Flour. GO b?rrela Whiskey, opining in and in atoro, and to which, wo invite' the attention of the trade. . LOVICK & LOWRANCE. Mill Gearto&Shato?&PulIeys . cL__SEND JFO?A fMROllLAR. c=^> May 23 _mv-n ?_ Kinsma?i Howell^ Factors and Commission Merchants. Liberal Advances made o?i Cotton and Naval Stores. Charleston, S. C, August 31 4mo AFEW reasons why they should have the preference over all others: 1. Wheeler A Wilson's Sewing Machine ?B much simpler than any of the others; re? quiring lees than half*the amount of ma? chinery. 2. Aa tho result of thia simplicity, this ma? chino is much lees liable than tbo others to get out of repair. 3. Another reenlt of thia simplicity is greater durability. i. Another result ia leas friction, and, con aequently, greater easo and rapidity of mo tiou, with leuB noise. 5. Aud greatest of all, that it uses no Shut? tle, and makes the lock stitch. It ia the cboapeat to buy Ibo beat. Buy thc machino that bas justly, fairly and honora? bly won a reputation and independence against a strong and bitter competition. For more than twenty years baa the Wheeler A Wilson not only stood first and foremost, but now stands tho umivallcd Sewing Machino ol tho enlightened civilized world. Buy tho ma? chino that baa boen Ilma teated and proved, and then you aro suro to get tho best. For 1 salo on tho eat-iest possible terras. Sales? room Main street, aecond door helow rnoSNix omeo, Columbia, 8. C. J. S. PUKSLEY, Agent. A. WHYTE, General Southern Agent. Juno 21 Cmo )UTHERN mucu UNE, TON, S. C. > FROM IA, KEW YORK, BOSTON, ID MANUFACTURING CITIES. A WEE li [days, Saturdays. ?M A CCOMMOHA TIOXS. Shorter via Charleston. ,000 BALES MONTHLY. o , Railroad Company, th the lici t of thirteen first class Steamships to lick time and regular dispatch allai dud to the IARLESTOX, on for Freight and Passengers not excelled in lie following splendid Ocean Steamers are rc ,T YORK. GEO JIG TA, S. Crowt ll. Commander. SOUTH CAROLINA, T. J. Beckett, Commander. CLYDE, J. Kennedy, Commander. ASHLAND, - Ingram, Commander. WAGNER, HUGER <fc CO.', WM.'A. COURTENAY, Agents, Charleston, S. G. DELFHIA. ' EMPIRE, C. Hinckley. Commander. -THURSDAYS. II. A. COURTENAY, Agont, Charleston, ?. 0. ri MO RE . MARYLAND, Johnson, Commander. Sailing DayR-Every Fifth Dav. UL C. TREN HOLM, Ageut, Charleston. H C." ting linea. Marino Insurance, one-half of ono TG AND THROUGH TICKETB es in Georgia, Alabama, Tennessee and Miatis Itbout extra charge, by addressing Agents of ss in ali COBOS tho Railroad Tickets should be nigh Tickets by this route include Transfers, road, and their connecting lines, havo largely nrnt of Freight and Passengers between the mfortable Nibht Cars, with tue Holmes Chair, on the South Carolina Railroad. First class a Railroad flrtt class h h oping Cars, to day and night trainB of the South Carolina r Roads, delivering Frc debts at distant points BO every ?xertit n tc satisfy their patrons that n despatch and Ibo taff delivery ot goods. >KIBK. Superintendent, Charle alon, H. 0.\ B. D. e 817Broadway, H. Y-; B. B. PICKFNS. General taiiroad.. ALFRED L. TYLER, lt Benth Carolina Railroad, Chajletton, B. 0. im . . Is tho placo whore you can Titi y ' The Best and the Cheapest CLOTHING AND GENTS' .FURNISHING GOODS. ii WE aro now prepared to exhibit ono of tho most choice aud select Stocks ever offered in this market, and At Astonishing Iiow Prices. Our motto is "QUICK SALES AND SMALL PROFITS." Oct S Drawing Postponed Irom October 1, 1871, to January 1, 1872. In Consequence of tua Fever In Charleston, S. C. $500,000 TO OE KITH AWAY. The South Carolina Land and Immigration Association, ; BUTLER, CHADWICK, GARY & CO., AGENTS, UNDER tho auspices of tho "South CnrolinajStatc Agricultural and Mechanical Society," will givo a series of CONCERTS, at tho Academy of Music,Charleston, W.?., commenc? ing January 8.' 1872. Refers lo ail tho bankers, brokers ami prominent gentlemen ot the country, both North and South. 150,000 Season Tickets of Admission, at $5 Each. If you hnvo not received a circular, send lor one, giviug full particulars. All orders strictly confidential, 2,405 Gifts, Amounting in ali to $500,000. The drawing of this great Southern cnteipii&e viii hr conducted under the supervision of I the following well known gentlemi u: Gen. A. it'/Wi ight. ul G trigla; Gc n. Iii ad lev T. John- ] eon, of Virginia: Col. R. H. Rutledge, ol South Carolina; Hon.lt?.gi r A. Pryor, of Kew York. Money for Tickets eau bc sent either by Esp?ese or Post Cfllee Older, und thc Tickets will bo promptly forwarded. ?-Direct all loiters to BUTLER. CHADWICK, GARY A CO., Principal c fllcc, Charleston, S. C. Charleston, S. C. GKN. M. C. I ii; TI.mt. Jons CHADWICK. GEN. M. W. G.\nv. Oct 1 ?iiio ~" YELL OJW L I N E ! FAST FREIGUTS TO AND ?FR0H NORTHERN CITIES, Via Charlotte, Columbia and Augusta Railroad, North Garolina .Railroad, Raleigh and Gaston Railroad, Seaboard and Roanoke Railroad, and Steamers between Portsmouth and New York, Boston, Philadelphia and Baltimore ! THE ABOVE-NAMED RAILROADS, in con? nection with tho Steamer Linea, having united in forming a Fast Through Freight Line, to be known aa tho YELLOW LINE, will put in opera lion, on tho 4th of September, a FAST TH ROUGH FREIGHT SCHEDULE between Columbia and Augusta and the above-nomed Northern cities. The attention of ehippeis and receivers of lrtight is called to the following advan? tages offered by tho line: It ?B almost entirely an inland route, by vbich rotcB of insurance and risks of ch lay from had weatbor are greatly reduced. There ia no di aynge, and no tm utters, except undercover. Daily Steamers will run between Portsmouth und Baltimore, Philadelphia und New York, and height* will have prompt despatch. Rates and claseiiicntions thc eenie ss by other routes. Through bills of lading given and claims promptly adjusted. ?3- HAYE OOODS MA li KED "VIA YELLOW Ll XE." ~U:\ For further information, apply to E. P.ALEXANDER, Superintendent (mailotte, Columbia and Angosta hai'icad. E. R. DonsEY, General Freight and Ticket Aueut. Sent 2 3ruo ?$250,OOO :S In Real Estate and United States Gold Bonds Will positively bo distributed by RAFFLE on tho 22d of November, 1S71, in public, in thc city of Charleston, ut 10 o'clock A. M. bv CHARLESTON CUAR1TARLE ASSOCIATION, BENEFIT FREE SCHOOL FEND, Chartered by tho Legislature of Knuth Carolina at its last session, and approved March 8.1S71. ONLY FIVE DOLLARS PER SHARE'. ?-o THE RAFFLE will positively take placo on WEDNESDAY', thc 22d day of November, 1S71, in public, in the city of Charleston, at 10 o'clock A. M. All tho Property, real and personal, mentioned below must bo Distributed iu tho Award, and a valid deed bf each piece of Real Estate, free from all inciimbrancea, given. Ibo Per? sonal Property and United States Gold Bonds will be delivered immediately after tho Bullio. Each and every Certificate has Tinco separate and distinct Numbers in ligures, aud tho wordB of each ligure written thereon, and ar? all combined with each other Irom Nos. 1 to 78 promiscuously. All tiie Certificates Of ?rilares iaaucd by tile Company, with their numbera, aro registered in their books. SCHEDULE ?F AWAIIDS. That Certificate of Share having on it i bo 1st, 2d and ?ld numbera obtained on the Ruillo will be entitled to the award ot thui first class Three-Story Warehouse, tilu ate on Meeting street, No. 147, Charleston, S. C., (opposite tho Charleston Hotel,) being 38 feet Iront by about 240 deep, freo from ul Encumbrances, and valued at. .135,000 That Certificate of Shaie having on it the 4th, Otb and 6th numbers obtained on tho bafilo will be entitled to the award ot that first claea Hiree-Stoiy V arc house, No. 145 Meeting street, Chuihstou, S. C., free trom ull incnnibrancts, valued at.iUO.OOO That Certificate ot Share having on it the 7ih, Bib and Ut h numbers obtained on tho Jtaflbi will bo entitled to the award ot that hist class Three-Story Warehouse, No. 143 Meeting street, Charleston, S. C., free from nil incuinibrances. valued at.$27.500 That Certificate of Share having on it tho 10th, 11th and 12th numbers obtained on tho Rafile will be entitled to the award of that '1 hrcc-?Mory \\ arc house, No. 1 ll Meeting street. Charleston, S. C., tree tic in all iitcuiiibranccs, valued at. $25.000 Tho above Four Warehouses are opposite the Charleston Hotel, and ure the most valuable property iii Charleston. That Certificate of Share having on it ihe 2d, 3d und 4th numbers obtained on tho Rafllo wiil be entitled to an award c f thal line piece of property, situate on Broad street. Ch ar leaton, U.C., and known us tho "'Mutisio.! ll ouse," li?e Irom all iiicitm bruuees, vulued at.$20,000 That Certificate, nf Share having cm it the 3d. 4th ind 5th numbers obtained on thc Baffin will bo entitled lo un award vi that line 'J wo-Sioi\Dwellii g. situate on Gadsden and and Lumber Btrct ts, Coluuibib, S. C .with ull the out-buildings and improvements., with shout hull an ucreof ground I hereto, valued at.?10,000 That Cirliiicutc of Shnie bax nip on it the 5th, Otb und 7th numbera tdd ni ti cd on the Biifib- will bo entitled to un award ol ihut fmo Cotton 1 Imitation, containing about 1 KOO acre*, one-third cleared, and heavily limbered, situate in County of Darlington, on Great Pee Deo hiver, free from incumb? unce a, valued at. f 10,000 That Certificate; of Shun- having i n it Otb, 7th and 8th ii umbi re obtuinc il cut tl e Bailie will bo entitled to an award of Uniti cl SI uti B Gold Bonds (new issue) of value nr.. 53,001? That Certificate) of rhare having on it 8th, Otb and 10th numbers obtained c n the Hallie will bo entitled to un award of United Suites (?old Honda (new issue) of value of.. $2,000 That Ci-rlitlc&te of Share having on ii thc 9lh. 10th ?iud 11th numbers obtained eil ibo Bailie will be entitled to nu awaid of United Stale s Cold Retid? of thc- value of,.. $1.01*0 Thone Forlv Certificates of Shares having on them following numbers obtained on Its file: 2d 3d Otb' 2d 4ih Otb 4th 5th 7th 5th dh 0th (?th 7th 12ili 9th 10th 12th 2d 3d 7th 2d 4th 7th li h 5th 8>h 5th Ci li 10th 7th Hi Ii 10th Int 3d 4th 2d 3d Hi h Sd 4th 8th 4th 5th 9ili 5th (iib lilli 7th Klh 11th 1st 4th 5th 2d Sil Oih 3d 4th Oh 4th 5ih 10th 5th ('.th 12tli 7th 8th 12th 1st 51 ll 0th 2d 3d Kith 3d 4th 10th 4th 5<h 11th (?iii 7ih Olh 8th 9th lilli 1st Ct h 7th 2d 3d 11th Sd 4th lHh Uh 5th 12th Ct h 7th 10th 8th Otb 12th 1st 7th 8th 2d 3d 12th Sd 4th 12th 5th Otb 8th 0th 7th lilli Will bo oaeh entitled to an award hi United t lates Gold Bonds nf thc value of. $500 Those Fortv Certificates of Shares having on them following numbers obtained on rafile: let 8th Orb 2d 0th 10th 3d 11th 12th fiih Hill tub 7ih Otb lOih 1st Oih 10th 2d K'th 11th 4th Cl h 7th 5th 9th 10th 7th 10th 11th 1st 10th 11th 2d 11th 12 h 4di 7th 8th 5th 10th 11th 7ih 11th 12th lat 11th 12th Sd 6th Gili -itn 8th 0?b 5th lilli 12ih 8th 101 h lilli 2d 4th 5th Sd dh 7th 4th 9th lOtb 6th 8th Oih 8th 11th 12ih 2d 5th Gi h 3d 7th 8th Uh Huh 11th 6th 9th 10th 9th 11th 12th 2d 6th 7th 3d Hth Di Ii 4th lilli 12th 0th 1 nt h 11th lid 3d 5th 2d 7th 8th 3d 9lh lilt li Sill 7th Sib dh 11th 12th 1st 3d 0th Will bo each entitled lo ai? a wu wi ot Ui>i?< ii .---?.i. ? Gold Bondy of thc value of. $250 All the other Certificate s ol Sh mc s 1 in mg n il.c m ? i y ihre e numbers nbt situ d on tho Itu fil o, and not designated as any of tho above 11 itificatcb ure, will euch be enti? tled to au award of United States Bonds of tho value of.-. $50 Awards will bo mado only to such Certificates of Shares us have threo numbers on them, so obtained on tho Rafllo. To such aa desire to take Shares in this prent Ruffle and distribution c f real and personal property, tho Directors will afford every facility ai d satisfaction, nod perfect fuit ness will be exercised throughout, and many persona may truco their future pi esp? els in LusiiK sa and atation in a?cict\ to a fortunate sn aro hei ein.* Orders, with tho monoy for Certiflcatea, may bo sent by Express, or Registered Letters, or Post Office Orders, at tho risk of tho Association. Persons sending ordcru will be particular to give their names, places of residence, Countv and State, which will be entered in tho books ol the Company, and immediately upon the Rafllo taking piuco tho official rallied numbers will be forwarded to each correspondent. The Raffle will positively take place on tho day named, and overyaward of tho property and Oold Ronda must be made to the holders ol the Certificates. Address all orders to 1? T. I.KVIN, Agent, Columbia, Bi c. The rafllo for Temperance Ball, Ac, will I CJTOCKH, BONDS and COUPONS bought poBitivoly take place on (he 10th November, j O and sold by D. GAMBRILL. Broker. 1 W^s^^s^^S?^^' WARFIELD'S COLD "WATER SOAP. THIS SOAP vf ashes perfectly hi cold water, soft, hard or ?alt. It removes grenue, oil and paint from g?rrr?onta. It wabliei all kinds of goode-cotton/finonel, el'keVr woolen. It cleanses silver,.'plated .ware' and Jewelry without scratching., Ir tho artiolea are mpoh tarnished, rub them with a piece of .flannel which bas plenty of tho Soap on lt. To p?cule who do' their;own wa ah in g, lt la invaluable. It Trill save ita coat in ono washing.' For aale, in boXea of thirty-six bara, by EDWARD HOPE. . Anni ?) AtrentTor South Cnroliiia. Hotice. ... ' ) COLUMBIA, 8. C OOTOHEB 4,1871. *T"HOSE deairous of riding in the GRAND ? TOURNAMENT, which ia to take place at tho. Htato Fair;nat Columbia, S. C., on WEDNESDAY, the 8t.h of; November pros., between the hoare of 12 Bl. ?nd 4 1*. M., will , jilease correspond with Mr. T. Hasell Gibbes, Secretary of this Board, who will In? form them as to tho rules,regulations and all mattera pertaining thereto. .?, A. 0. HASKELL, '! M. 0. BUTLER, J. B. PALMER; THOMAS TAYLOR, WM. WALLACE; Oct. 5 Managora. ifJS- Tho papers of tho State ploaso copy. Yop may secure a valuable prize by pur chasing a tickot in tho Columbia Co-opera, tivo Building Acaociat-'cn. COUNTY CLAIMS ANO JURY CERTI? FICATES bought bv 1 * Feb 5 D. G?MBRILL. Broker. Tho raffle for Tempor?neo Hall, Ac, will pi&itively take plac? on tho 10th November. THE BEST IN THE MARKETS CHOICE and select FAMILY GROCERIES, full aeaorl.ment of Sugars, Coffees-Rio, Java and Laguayra; Teas of all kinda; Chocolates, Dicma, tpfecs, Pickles, Sauces and Table Dressings ol all kinds und des.'ni tuns, CLtctc-hv.\.-tego, Fsctoiv, Fioe nj plc BI <J Ollie ie. " .' A iii)i i tul. 11 the lut biai.da of. FA BUL? FICITO, In brm ls ai d ? n< 1 aces, tereistii p in pait of Nonpareil, Mediten und Highlai d. Also, Oatmeal, Fear] Gibt, Dtmiliy, Cern, etc.; Table and Liver] hi>l Full, hin nit ai d Crackers of all kinds, Eng? lish ami American. Potatoes, Onions and ethe r Vt gelable* conetaiilly. on bund to supply retail trudu. A full supply of all kinds ot FANCY bO?F8, including Colgate's beBt toilet, and thin for denni stn- ].inposes, (anni d Goods ol every description. Jellie s raid Preserves, beet familv Butter, Lard, Moiseses nf all grades,Meats. Hams, Diie d Beef, Tongue?, Bacon Strips, Bellies and Sidca. Also, a full assortment of FISH, including best No. 1 and MOBS Mackerel, and Smoked and Pickled Salmon, etc. Particular attention is invited to our full atock of LIQUORS Embracing the best brands, foreign and domestic, to bo fonnd in tho murket. (ll AMI AG MS of al) popular brande; iMiernea, Madeira, Port and Catawba Wines of all kinds, Bud Bitters of every grado. Also, i nglisli, Scotch and Bremen Ai Eb, of tho tollo wing brands: McEwuli'a Muir A Sons', Younger'*, etc., otc.il Especial attention is called to our MONCGhAM and other*) WHISKEYS, the best in the market for tinnily uso or medicinal 1 purpose s. Also, to our BRANDIE8, including tito best Hivert I'ollevoison, Larroudo Fros. Cognac, vintage of 1805. Also, GIN'S, Palmetto and Swan brands. All importe eland warranted good. Also, wc have en hand a full atoik of choice CIGARS and CHEWING TORACCO, Bogle y's Fine Cut, etc. A stock of BAGGING and COTTON TIES, and other articles for plantation use. In fact, everything needed or to be found in a first class Groceiy Store, and at prices to suit the timca. " Wo warrant onr goode flret class, and invito au inspection of them. HARDY SOLOMON, Oct li ( . Columbia Hotel Block. GRAND PRIZE DISTRIBUTION! rpiCKETS to thc Coucerta of the SOUTH CAROLINA LAND AND IMMIGRATION ASSO? CIATION ready for sale and delivery. All orders from tho country promptly Ailed. Agenta wanted for the Counties of Lancaster, Lexington, Spartanburg, Greenville, Abbeville, Oco nco and Pickena. Apply to D. GAMBBILL A CO., Juno G General Agents, Columbia, S. C. THE UNIVERSAL UFE ~~ CHHIY ! LIB ER TY S TREET, 69 NEW YORK. The Original Steck Life Insurance Company of the United States. oFricrns: WILLIAM IV A LIC Ult, President. HENRY J. FURBER. Yice-t'rebideut. JullN H. BEWLEY. Secretary. GEORGE L. MONTAGUE, Actuary. E. W. LAMBERT. M. D., Medical Examiner. -o THIS COMPANY ?fters tho following IMPORTANT ADVANTAGES to those about EFFECTING INSURANCE ON THEIR LIVES: 1. Insurance at Stock Ratea, being from 20 to SO per cent, loss than the rates charged hy mutual companies. 2. Each Policy-holder ia regarded an a Stockholder to the extent of ono Annual Premium on Ilia Policy, and will whare in the ProtltH of thc Company to the sams extent SB a (Stock? holder owning an equal amount of the Capital "Stock. S. Every Policy ieuue? by the Company ia nou-forfcitablc, and contains a ?clause ?tating ita exact Surrender Value. Before. Insuring your Life or accepting the Agency rf any Company, READ TI11C FOLLOWING! A lengthened experience has demonstrate d that tho rates of premium ordinarily charged by life insurance companies are from twenty-five to ihirty per cent, in exceaa ol what are ne? cessary fur a eafe and legitimate conduct of tho bnsineaa. In other words, carefully and pind?n I ly-managed companies chai ging "mutual" rates hnvo been able to return to their pOllcy-holdors from 25 to 30 per cent, of the amount charged for premiums. When life immiance companies were lirai organized, reliability of tho data upon which pre? miums were constructed had not undergone test of experienco. lt was thonght, therefore, no more than common prudence to adopt a seule of premiums which would, in any event, meet ull the presumed ami unforeseen cotitingencii a of thc buainess. Aa long as tho matter was involved in some doubt, it waa better to lix tho rate too high than to incnr tho risk of mak? ing it too low; because, in the former cute, tho error could bc easily remedied, at least in part, by returning to (lie policy-holders, at certain intervals, such portion of the premium charged HM was lound necessary tor the purpose* of tho bushiest* und the complete security ol tho company. Experience, however, having talislacto ily dimnnstratc.il that these rates are exce ssive, what possible excuse can there be tor maintaining them? Availing themselves of thia experience, the Directors and Manage r? of tho Universal Life Insurance Company, at ita organization, adopted a scale of premiums in accordance there? with, ami which luis proved to be fait and nih qua te, and all that was necessary to meet the requirements of the business. 'J hese premium* are about twenty five per cent, lower than those charge by mutual compon?is, lt also appeared, inasmuch as the rates so established were as m ur au eon Iel possibly be determined lair rate?, and not in excess of what insurance Imai previously..cost the;policy-holders in mutual eompunies, that any profits arising from mmh nt mulingi ment justly and properly belonged to the stockholders Of tho company, for the- risk iltcuired by the m in undertaking the business. Expel ii nee has Shown thal there nie som Ct s of profit iii tho pm cl ico of tho business which theory nill not admit ot being considered a? eh ni cit ts in the calculation ol the premiums. The se results form a saving in the mortality of the membi rs of a rem i any owing to the me? dical selection o? good lives, a gain in interest on the investments nt tho company over that assumed in the. calcul?t inn ot ita premiums, the-profits derivable from tho lapsing and sur? render of policies by tho members, and fi om cn he r minor sources. Profits from these Bources, in a company possessed of a capita' ot i2?i? OOO, and doing a fair amount of nu sin ess, would give to the stockholders divide nels largely in cxices of what were counted on by tho Directors of tho ll ni ve i sal at tho time of its organization. They have, theretore. determined To divide among tho policy-holders of the company a litige part of the profita accruing from the sources named, al) ni which have heretplore beni divided among tho stockholders. The plan adopted for such divinion ia as follow*: Every person who may hereafter insure with tho Universal will, for tho purposes of division, bo treated as a stockholder to extent ef ono annual premium upon his policy; and will share in tho profits of the company to precisely samo e xtent as a stockholder owning an equal amount of tne oapital Block. By thia system of insurance, original with the Universal, tho policy-holder secures the fol? lowing important advantages: 1. lnsnrance at the regular "stock" ratea, requiring a primary outlay of about twenty to thirty per cent, lesa than that chatged by mutual companies, and which Ie equivalent to? yearly "dividend" paid in dvanco of Unit a mount on mutual rates. This low cost of insur? ance is worthy of attention. Since its orgniiizalion. this company ba? reoeiv?d in premiums from its policy-holders the sum ot $1.517 OOO. To e ffect the paniei amount of insurance in a mutual complin v would have coat them au initial outlay of'?2 000.000 By allowing ito policy? holders to retain, in their own possession, this excess of f483,000,"tho Universal has virtually paid them a "dividend" of f483 000 and paid it, too, In advance, instead of at the end of ono or more years. It is impossible to find any example cf a mutual company furnishing insur? ance at so low a coat by reluming to policy-holders ancqnal.amount upon similar receipts. ' 2 Participation in the legitimate profits of tko company, npe.il a plan which secures to the policy-holders tho same tre atment which directors and etockholdera award to themselves; This system o? participation, in coi neetion nilli tho low "stock" rates of premiums, must necessarily secure to the policy-boldois every possible advantage to be derived from prudent and careful management. The low rate? of premium con pel economy, and, independent of participation, guarantee to the pobcv-holder his insurance at a rale which is not in excess o? tho cost in well managed mutual companies; whilo, bv the proposed plan of p-artloipation in what may be considered tho legitimate profits of tho business, tho coat will bo ?tili further diminished. i hus bv the combined advantagea arising from low stock rate and participation in profits, it is confi 'cntly behoved the Universal Life Inauiance Company offerB insurance at its IOWCBC practicable coat. ThoBO of the existing policyholders who deelro to purticipalo in the profits under the new plau can do so by making application to the head ellice, or to anv agentsof the company. The company is in a sound financial condition. Ratio of aaaota to liabilities 186 to 100. Good reliable agente wanted, who will deal diicct with the New York ofneo, and to whom, full general agente'commiesionB will bo paid. - " __, M. W. GARY ?nd M. O. BUTLER, State Superintendents of Agencies Office on Biohardaon street, oppoeite Colombia Hotel, Columbia. B. O. Bept