The daily phoenix. (Columbia, S.C.) 1865-1878, October 21, 1871, Supplement, Image 4
ral PHONIX.
rnnnisuED DAILY ABD TUI-WEEK r T
EVKUT WK1WU.SD.U MORNING.
rt Y JULIAN A. SELBY .
EJMTOU A5W pnOI'niETOR.
?fflce OH Hain Street, above Taylor.
KS" Book and Job Printing of ovory do: crip
ion promptly and faithfully attnuded to.
AI) V K.n?lS KM I'.NTS
inserted in the Daily at 75 cents per square
or tho first aud 50 couts tiacb subsequent in?
sertion. Long advertisements by the week,
mouth or year, at reasonable ratea.
jbbS'.uienoN.
Daily, six months, f4 '0; T i IYVHKIV, i '? :
\V?nlrlv. 1 SP.
At a banquet, when solving en i gm nil
waB one of the diversions, Alexander the
Great said to bis courtiers. "What is
that which did not come last your, hus
not eome thia year, and will not como
next year?" A distressed officer, sturt- :
ing np, said, "It certainly must be our j
arrears of pay." Tho Kin? was so di
verted that be commanded him to bo
paid, and also increased hts salary.
One "Tja?" Goofoy, a whiskey dealer
of Youngstown, Ohio, took 'umbrage al
something that Odell, bf the Vindicator,
published coooerning "Tim's" saloon,
a?id pitched into thu editor, who turned
in and administered to the dispenser of
"fire-water" a severe drubbing. The
editor says that he now wears the belt,
und gives notieo in his paper that "or?
ders for black eyes, skewed noses, and
hair for saddle packing, will be prompt?
ly attended to nt reasonable rate?. Fight?
ing hours, any time of day."
"I feel rather dull to-day," as the
razor sind tilter it hud been used to open
oysters.
Fish.
'WT-!-' are 9omul on lite FISH question.
tv N.w MACKEREL-Hunton hispcc*
tittil- Iii Itit-, ball b .nels und barre a
Abo. ' M?'sa M a eher el " Titean nie ?trange
Flail-having neither litada nor tail?.
AU?, (.?n!tish, rungues and Suuuds, highly
ri-eamnienib d by thu laeulty.
For;Halo by OHO. SYMMKRS.
Barle: \ Barley !
IPLANTER- can have S KED HARLEY at
$1 '2? uer busied. Terms eaah.
Bent22 JOHN C. REEOERS.
$20,000 to be Distributed to Ticket-Holders
IN TUE COLIMA Oil-Or?RATIVR BUILDING ASSOCIATOR.
THE following PROPERTY and CASH baa been placed In tho banda of tho Tm st rcs, John
Agnew, Br., filaj. Mcighan nnrl II. C. fibiver, in trust for tho benefit of the Tickct-bolderB
of the above Association, to be delivered to tbofco who. on tbo dav or tho mille, may be enti?
tled to them. The title to thc real cblnte bas been placed in the banda of Col. F. W. MeMaa
sar, Attorney at Law, who w iii examino the sn mo and tfivo true warranty deeds, free from all
encumbrance, on the day nf draging. The First Prizo ia tho Temperance Hall, now occu
?iied on the firat floor by Messrs. L?rick Si Lowrance. Tho lot ia 25 lest front on Main street,
y 268 feet deep. Tho Building ia 150 feet lon? and two stories high; It ia now leased for
three years for $1.400 por annum, pavable monthly in advance, valued at.$15 OOO
Kooond Prize-Lot adjoining Roi-e'a Hotel; 44 feet Iront, 208 feet deep, valut d at. 1 900
Third Pries-Lot adjacout to above, 25J feet front, 208 leet deep, valu? d at.. 1,100
ICaah Prize.'. 600
2 CaBh Prizea, $100 each. . 200
4 Gaah Prizea, at $50 each. . . 200
110 Cash Prizes, at $10 oaeb. 1.100
120 Prizes.$20.0r0| 2,000 Tickets, at $10 each.$20.000
Tickets moy bo hod of ?he General Acent. Dr E. W. WHEELER, at Tempor?neo Hall, or
at the Muaio Blore of Mes?is. 1 villi AND A SON, Mesara. JOHN AGNEW ASON.T. M. POL?
LOCK ?nd D. C. PEIXOTI O A SON.
The following gentlemen have consent ed to superintend the dtawinp: J. C. B. Smith, D.B.
Hiller and Henry E Scott, in connect jen with a cnn mitti e of three selected by the Ticket
holders, on tho dav of drawing.
The 10th day of November-the fourth dav of the Stale Fair-HAS BEEN SELECTED AS j
THE DAY FOB THE DBA WING, which will take place in 11nip?r*not nnil. Columbia, H. O,
Ticket-holders are assn?ed the drawing will positively take pince il.at ?'av Ibo tiekeit-havo
met with good sale, arid all who ii tend invi sting are requested to do so tis early as possible.
? As the names of tho ticket-holders w ill l e u-gtslerid iu a nook whieb shall be ID possca
fiion of the Trust?es on t be dr.v of drawing, pai ties n.a\ if el ast-und that no more than
2,000 tickots will be isMied.
BEFERENOES.-E. J Scott. Ron A Co V Bind?; Col J. B. Pa'mor. Prthider.t Central National
Bank; Citizen?' Savings dank: South Ca rbi ti a Bank and Trutt Comuany, and W. B. Gulick,
Cashier Carolina National Bunk.
Capt. Wade L?rick, Agoni in L> xington. For further particulars, address,
Sept 8 f2mo Dil. K. W. WHEEO?II, BOX 88. Columbia, S. C.
Wait! Wait! For the Big Show!
THE ONLY
THAT WILL VISIT THE SOUTH KEN S2ATEN THIS WINTER
.i'Hlfl o.Mi-Y ANO oltn.lKAi.
OLD JOHN ROBINSON,
Sixty seven years of ago, with an experience nf over Filt> Yeats in the Sontti as owuer oi a
?leuagouo und Circus, on his grand
ANNUAL TRIUMPHAL TOUR
Through all tho Southern States, with
Three Monster Pavilions.
ONE EXCLUSIVELY FOR THE MUSEUM,
ANOTHER EXPRESSLY FOH THE MENAGERIE AND CARAVAN,
THE THIRD DEVOTED TO THE EQUESTRIAN ENTERTAINMENTS,
All adjoining and conueotiug together, but
ONLY ONE PEICE OP ADMISSION,
1 And one Ticket admits jon to the entlro combination,
MENAGER I?;.GA RA VAN, MUSEUM AND CIRCUS.
Wait for it! Watch for it! Go and see it!
Tho only real Monagerle. Museum. Caravan and lb st claus Circus on thc road.
25 GOLD AND CRIMSON CAGES
9rav* by beautiful matched Cream and Dappled Horses- all the Ciruna Rotinue. Largest
and best Parade ever seen on the pnblio a true ts.
' Four Monster Living Sea liions,
With their young PLATYBHYNCH.?8 LEONENUS, or SEA ELEPHANTS, with mano erect
?ko Forest Monarchs, requiring over 200 pounds fresh' flab daily for tboir anbaiatonce-the
.cly ones on exhibition iu tho world, and um bo soon lu thia M?nagerie at all boura, sport
tag la an arti?oial Lake of Ocean Water.
M. Wild Tartarian Monster Yak,
From th* Deserts of Tartary, with long, beautiful hair growing from his back to the ground.
4The only ono on exhibition In America. Don't coufouud thia with any small Show or Mena?
gerie, bat bear in mind that
OLD JOHN ROBINSON, the Leviathan,
Ol triumphantly marching on, and will positively exhibit at COLUMBIA, MONDAY, October
?,1871. Oat 10 ti
S. STRAUS & BRO.
Is the place whore you can buy
The Best and the Cheapest
f5
CLOTHING AND GENTS' FURNISHING GOODS.
2 M
WE aie now prepared to exhibit ono of the most choleo mid soled Slocks ever offered in
this maiket, and
At Astonishing Low Prices.
Our motto is "QUICK SALES AND SMALL PROFITS.'
Oct S
Drawing Postponea frc m Cctober 1, 1871, to January 1, lb72.
In Cons?quence uf the Fever In Clinrlenton, S. C.
$500,000 to be Given Away!
The South Carolina Land and Immigration Association,
BUTLER, CHADWICK, GARY & CO., AGENTS,
UNDER tho aiiBtdccR of the "Routh Carolina Slate Aptirtiltural and Mechanical Society,"
Will give a Herb a or CONCERTS, at tho Academy ol M lisie, Charl? eton, S C.. commet-c
ing January 8. 187*2. Heit rs to all thu bankers, Lu luis i nd pionitncnt gentlemen ol tho
country, both North mid South.
150,000 Season Tickets of Admission, at $5 Each.
If you have not received a circular, send for one, giving ful' particulars. All orders
?t riot iv coi lulen-hil.
2,405 Gilts, Amounting in all to $500,000.
The drawing ol (bia gr eal S? ut bein c nt ci pi it-? will be coi dueled niider I he nipcrvii-ion of j
the foll? wing well known centl? n ? n: G< n A 1< "Wiiglit.el ( c? igis; Gili; RroiM?j T. John?
son, of Virginia: Col. B H. It Ul ll-(lu e. ol South Caro.ii?; lion lieut r A. Pryor, ?if New York.
M??ney tor Tickets can be tent either by E'S] ices 01 l on I flue Older, and tho Tickets will
bopronipilv forwarded.
?-Direct all lotttreto BUTLER. CHADWICK, OAR YA CO.,
Principal ? file??, Clou lesion, S. C. Charleston, S. C.
G BK. M. C. BUTLER; Jons CHADWICK. GEN. M. W. GA liv.
Oct 1 siuio
YELL OJW_ LINE !
FAST FREIGUTS TO AND "FROH NORTHERN CITIES,
Via Charlotte, Columbia and Augusta Railroad, North Carolina 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 Lines, having united
in forming a Fast Through Freight Line, to be
known as the YELLOW LINE, will put in opera?
tion, on the 4lh ot Septembor, a FAST THROUGH
FREIGHT SOHEbULE between Cotun.bia end Augm-ta and tho above-named Northern
cities. Tho attention of bhippeis and leceivere of Irtight ts called to tho following advan?
tages offert d by tho linc:
It is almost entirely an inland rente, by which rall s cf iiif-ursnce und rii-ks of tl? lay from
bad weather aro greatly reduced. There is no di ay see, anti no transiere, except under cover.
Daily Steamers will run between Pertt-n.outb and L'altnnoie, 1luludelpbiu and New York,
and ricighti- will have prompt despatch.
Rntes and ola?-t-ifli-atiohe the seme BB by olin r muten.
Through bills of Indine givm and claims bri ni} fly ai'juelrd. '
?O- HAVE GOODS HA EKED "VIA YELLOW LIEE." "Stn
For further iiilorntntiou, apply lo E. P. ALEXANDER,
Superintendent Charlotte, Columbia and Auemta bailmnd.
E. R. DORSEY, General Freight and Ticket Agent. Sept 2 3mo
tar
tar
-5?
2 5 0,000
In Real Estate and United States Gold Bonds
Will positively bo distributed by RAFFLE on tho 22d of November, 1871, in public, in tho
city of Charleston, at 10 o'clock A. M. by
CHARLESTON CHARITABLE ASSOCIATION, BLNEF1T FREE SCHOOL FUND,
Chartered hy the Legislature of South Carolina at its last session, and approved March 8,1871.
ONLY FIVE DOLLARS PER SHARE !
THE RAFFLE will positively toko place on WEDNESDAY, thc 22d day of November, 1871,
.in public, in the city of Charleston, at 10 o'clock A. M.
All the Properly, real and personal, mentioned below must bo Distributed in tho Award,
and a yaiid deed of each piece of Real Estate, free from all incumbrauces, given. The Per
txinal Property and United States Gold Bonds will be delivered immediately after the Rafllo.
Each and every Certificate has Tinco separate and distinct Numbers in figures, and the
words of each fiuuro ?rillen thereon, anti aro all combined with each other from Nos. 1 to
78 promiscuously All tho Certificates of bim t en issued by the Company, with their numbers,
bro registered in their hooks.
SCI1K DI'l.!, Ot7 AWARDS.
That Certificate of Sharo having on it thu 1st, 2d and 3d numbers obtained on the
Rafilo will ho entitled to tho award ot that first class Three-Story Warehouse, situ?
ate on Meeting street, No. 147, Charleston. S. C., (opposite the Charleston Hotel, t
being 88 feet Iront by about 240 deep, Ireo from al incuujbrunccs, und valued at. .$35,000
'i hat Ceitificateof Sharo having on it lue 4th, 5th and (Jth numbers obtained on tho
h ailie will bo entitled to the award of that first class Ibrce-Stoiy Warehouse, No.
145 Meeting street, Charl? ston, S. C.. free ti om all iiiciinibranceu, valued at.$30,000
That Certificate ol Share having on it the 7th, 8th and Otb numbers obtained on the
Itn?lle will bo entitled to the award ol that hist eisen Three-Story Warehouse, No.
143 Meeting street, Ckarlcntcn, S. C., free from all incumb? tineen, valued at.$27,500
That Certificate of Share having on it the 10th, lilli and 12th uambi rs obtained on
tho Raflh- will bc entitled to tho award ?.f that 1 hree-blory Warehouse,No.141
Meeting sticet. Charleston, S. C., free from all iitcutuhranccs, valued at. $25 000
Tho above. Four Warehouses aro opposite tho Charleston Hotel, and aro tho most valuable
property in Charleston.
That Certificate nf Share having on it. the 2d, 3d and 4th numbers obtained on tho
Raille will bo entitled lo au award of that tin? piece of property, situate on Broad
street, Oharlruton, S.O.,and known ab the "Maiifcimj House," lice Irom all incum?
brauces. valued at.$20,000
That Certificate nf Sb uro having on it the 3d. 4th ni d 5th numbers obtained on tho
Rafilo will bo entitlrd to an award cl that line 1 wti-Stoiy Dwellb g. situate on
Gadsden und ami Lumber streets, Columbo., S. C . with all the out-huildingb and
improvi mints, with ?bout hall an acre of ground I hereto, valued at.$10,0(10
That Certifie? te nf SliBre having en it the 5th, CH? and 7th itumbeis obtained on tho
Until-- will bo entitled to an award ol that fino ((dion Plantation, containing
ahont 1 80U acres, one-third cleared, and heavily tintbei rd, situate in County of
Darlington, on Great Pee Dee hiver. free from inennibrances, valued at. $10,000
That Ceri theale ot Share having i-n it 0th. 7th and 8th unmix rs obtain? d un the Rafilo
will bo entitled io au awaiti of United States Gold bonds (m w ISHUC) of value ol.. $3.000
That Certificate of Share having on it Ri h. 9th and 10th numbers obtained on the Rafilo
will bo entitled to an award of Unit? d Slates (?old Hoods (i ew- issue) of value of.. $2,000
That Certificate of Share having on it thi Otb. itu h and lit h number* obtain*. ?I on the
Katlin will lio entitled io an award of United Mat? e f<? ltl hi m e ol (he value of... il.Otu
Those Forty Certificates nf shares having on them following numbers obtained on Ita file:
2d Sd Otb 2d 4<h fith 4th 5th 7lh 5'b (?th 9ih (llb 7th 12Ui 9th 10th 12th
2d 3d 7th '2d 4th 7th 4?h 5th 8'h 5th (hh 10th 7th H-h 10th lat 3d 4lh
2d 3d 8ih ?il -Uh 8th 4th 5th 9 h 5th ?th lilli 7th Hth 11th tnt 4th 5th
2d 3d tith 8tl 4th 9>h 4th 5>h loth 5th fith I2tb 7th Hilt 12th 1st 5th (lib
2d 3d 10th 3d 4th 10th 4th 5'h 11th Otb 7<h Otb 8th 9th lilli Lt 0th 7th
2d 3d 11th ?kl 4th lltb 4lh 5th 12th 0th 7th 10th Hilt 9tL 12th 1st 7th 8lh
2d 3d 12th :M 4th 12th 5th 6th 8th bib 7? h 11th
Will he each entitled to an award in United r tate?* Gold bonds of tho value of. $500
Those Fortv Certificates of Shares having on tb? m f..Ho? itu: number* obtained on raflle:
lal 8th Orb 21 0th lOih 3d lilli 12th 5<h 8th 9ih 7th 9th 10th
lot Otb lOtli 2?1 Uah 11th 4th Gib 7th 51b tub 10th 7th 10th 11th
1st UUli 11th 2d 11th 12 h 4 h 7th 8th 5th lOih llth 7ih 11th 12lh
1st lilli 12lh :id 5th 0th 4th 8th O b 5?h lilli 12th Ht 1, itu 1? llth
2d 4th fib 3d (Ith 7th 4ih 9th 10th 0th 8th 9th Hil, llth 12>h
2d full (Mi 3d 7lh 8th 4th Huh llth (Uh 9ih 10th in h llth 12th
2d Ctli 7ih 3d Hth 9th 4th llth 12th (Uh Kith llth ba 3d 5th
2d 7th 8th 3d 9th loth 5lh 7th 8th ti'h llth 12th 1st 3d Gib
Will bo each entitled to an award of Unit) d Statis Oolrt Bonds ot the value of. $250
All the nthrr Certificat! s of Miares twine ?ii .) tm H ny three number H ?-ht mm d on tho
Raffle, and not d?signai i d in any ?<f th? ??l.t.vt < i i tilica-tc* aro, wilt each be enti?
tled to \n award of Unit* d Mates hurd* of Ibu vt.lut of. $50
Awards will bo nihde only to snob Certificates of Shares as have ihreo numbera on them,
so obtained on tho Rafilo.
To such AH desire, to take Shares in this great Rafilo and distribution of real and persona)
property, tho Dire.tors will afford every facility and satisfaction, and perfect fairness will be
exercised throughout, and many persons may trace their future pmetx ct? in biisini ss and
station in sociutv to a fortunato snare hoi ein.
Orders, wilk tlio money for Certificat! s, leay be sert hy Express, or Registered Letters, or
Post Ofileo Ordern, at tho risk of the Association Persons sending orders will be particular
to give their names, places of residence. Conn I y nml state, which will be entere?' in the hooks
ot tho Company, and immediately upon tho Rafllo taking placo tho official raffled numbers
will be forwarded to each correspondent.
The Rafllo will positively tako place on tho day named, and every award of tho property and
Gold Bonds must bo mado to tho holders of the Certificat?-a.
Address all orders to Li. T. L.KVIN, Agent, Columbi?, 84 O.
Beesen' Beer is Pure.
IT don't oontain Copperas, Bait, Lime or
Alum. Macon ll
Seegers' Beer
DON'T contain Strychnine. It is pure, and
warranted to be BO. March ll
The Exohange House.
/"-"jV/ELL ki.own as "the place"1
^^j?Fwhoro tho heat of drinkableaTOI
>?*B3^ and oatablea are f nrnlahed, ia ifff
in tho fnlt tido of prosperity. Tho whole
boase has boen pnt lu porteot order, and tho
proprietora guarantee that guests san obtain
all tho dohi'&ck-a of tho aoaaon - O YSTE UH,
FISH, GAME, etc.
Oct 12 RAY*INOER ?fc FRANKLIN.
THE CAROLINA HOUSE
-rna IS once more opon to tho public, unurr
Ejfj tho superintendence of Mr. lt. BARRY.
V?J Tho reputation of tho bouae will bc kepi
up. August. 31
WARFIELD'S COLD WATER SOAP.
THIS BOAF waimea perfectly in cold water,'
Bott, bard or Bait. ' ,?t removes gruaae.
iii and paint from garments. It wa hint all
dnda of gooda-cotton, flannel,ailkor woolen,
[t obauaea silver, plated ware and jewelry
without acratcbing. If tho articles are much
.arniebod, rnb tbem witb a piece of fiai net
which baa plenty of tho Soap on it. To people
who do their ?wu washing, it ?B invaluable.
Ll will favo ita cost in one wabbing. For Bale,
n boxea ol thirty-aix barB. by
EDWARD HOFE,
April 9 Agent for Boni h Carolins.
~~Tho-raliliPfor Temperance Hall. Ac, will
poaitively tako placo on tho 10th November.
THE BISST IN THE MARKET I
CBOICF. and select FAMILY Gltf OMI B, full arecrlmcnl of
^Q^jfifr Sugars, Cofltei -l io, -lava anti Lapinais; Teas' ol nil kinda;
r>*>j*-7 \ ? f}-g?*b ClM'Cdlulta, Burna, f-pices, Pickles, buijeis ?nd laLle Lrtesmga
^i? " ^.?'\?,',-r\^.>T " R" l-!i>?V?i.tidil? ii|i:i xit'i Cl.???? - fcitji tipo, It ti oi j, 1 inc
\ ? n.<*s u>M VT-Cr'^U i'll' ' ni'Hin?. ,
??^jt?$p. <?4?> X<!sggZ& * 1 : l< ' I-. i il ? 1 . ? i Li cs c e of
rjaMiiY ri CUB,
yf$\' - . p&^V-/ In l em !?. oi ? i a? 1 ai ? (...in MU ii p iii pail ol Not j artil, Modinn
N rsJ"~i- >u?r^ und li ip bini (I. Aim On: nu a), lin) Gmt. Bi nii.>.C< in. etc.;
'J II bl L* Mut 1 i vi ti ? 11 }-nli, Buit.it ai cl ( nu li ii- (f all kinds Fi g
lii-h and Allic Hrs ii. P< lal? i ?. Ci ii i * a lid oil < ? Vi pi t ?*1 :< t ? ? nlni.tly ori bti.d to supply
retail trude A bill HUJ ply ol all lin ds i l I AI ( Y SO./ I'S, inc'uding Colpati's best toilet,
and iliui for don i etic i in non a. I anuid Ci od? ol every description. Je lin i and Frteerv? a,
l'est family Butti r. Laid, Molasses ol allpi aden. Jit atp; Hans, DH? d Peet Tongue .Baron
strips, bellies ai d Sin a. Also, a full ahboiiment ol I'IBll, including hist Ko. 1 and Mesa
Mackerel, and ShibLid und I'ickli d Balm? ti, ete. Particular atti mu ri ls invited to our full
slock of
LIQUORS
Embracing tbe beal brande, foi r ip i m il demi ?tic. lo be found
in tho maikct. ("HAM 1 ACM- S bl al) pepntai bintidt*: She ines,
Madeira, lint und Catawba Wine HI I lill kine?, bi d Bitters of
e-yery glade Alco. 1 iiph>h,>t otihniiil In nun Al Et*; of tho
billowii'g bland?; Mel un n's Muir A Sens', Young. iV, etc, uto.l|j|l
Esp i ein) atti i lion is nil cit lo itu Mt MCI/Maud ?itherofi
WHISK! Ys, tin he?t in lb? HIM ki I tor lanni} use- or medicinal 'W
puri'osis. Also, to om BRANDI! S, ire iiiiu'p the best llivert
l'i lb voient), 1.mn me In?. ( ? gi i.e. vu tape ol 18e5 Also,
GINS, Palmetto mill twa ti bra i.t'H. All ?hu '*(l ant: wai raul ed
pood Al?o. nc hnve MI hat d a ititi tdbik ol < he-ice CIGAl S and
CHEWING TOBA< ( O. Bap I? y's Fin? Inl.ite. A MI lid 1AGG1FO and COTTON TIES,
ami other nrib-icH 1er plntitalion u?e In fact, ? vejything needed orto bo 'ound in a first
class Croceiy Store, mid at piiccfe to suit tin liuka. " Wc warrant onr gooda flrat class, and
invito HU inspection ol them. HARDY SOLOMON,
Get ti Columbia Hotol Block.
"GRAND PRIZE DISTRIBUTION ! "
WICKETS to tho Concerts of tho SOUPH CAROLINA LAND AND IMMIGRATION ASSO?
CIATION ready for aalc and delivery. All order?, from tho country promptly Oiled. Agents
wanted for tho Counties of Lancaster, Lexington, Spartanburg, Greenville, Abbeville, Occ
nec and Piekcns. Apply to D. GAMBHILL A CO.,
J uno G General Agenta, Colombia, S. C.
THE UNIVERSAL LIFE
CDMFANY!
LIBERTY STREET, ^^^^^^^^^^^^T YORK,
The Original Stock Life Insurance Company of the United States.
OlFlCKHS:
WILLIAM WAI.KE?, Prraldcnt.
HENRY J. FURBER, Vico-Preaident. JOHN H. BEWLEY, Secretary.
GEORGE L. MONTAGUE, Actuary. E. W. LAMBERT, M. D., Medical Examiner.
-o
THIS COMPANY offers tho following IMPORTANT ADVANTAGES to thoso
about EFFECTING INSURANCE ON THEIR LIVES:
1. Insurance at Stock Ratea, being from 20 to SO per cent. IOSB than the rates oharged by
mutual companies.
2. Each Policy-bolder is regarded as a Stockholder to the extent of ono Annual Premium
on his Policy, and will share in tho Profits of ibo Company to the eamo extent aa a Block
holder owning an equal amount of the Capital Stock.
3. Every Policy iesuea by the Company is non-forfiitable, and contains a [clause elating Ita
exact Surrender Value.
Before. Insuring your Life or accepting thc Agency of any Company,
Il IC A D Til 15 KOI.l.OWINiii
A lengthened experienco baa demonstrated that tho rates of premium ordinarily charged
by life insurance eonipauiea are from twenty-live to thirty per cent, in excess ot what aro ne
c?tsary for a safo ai.d legitimate- conduct of tho bnsiueaa. In other words, carefully and
prudently-managed companies charging "mut nal" rates bavo been ablo to return to their
policy h?hn is from 25 to SO per cent, of tho amount charged for premiums.
When life insurance companies were lir?t organized, reliability of the data upon which pre?
miums were constructed bad not undergone test of experienco It was thought, tbereforo.no
more than common prudence to adopt a ?cale of premiums which would, in any event, meet
all the presumed and unforeseen couliliiiciteb s ot the business. As long as tho matter was
involved in nomo doubt, it was belter to tlx the into too high than to incur tho rick of mak?
ing it ton low; because, in tb? former ease, tho error contd bc easily remedied, at least in
part, hy returning to the policy -holders, at certain intervals, auch portion of the pr* minna
charged HS was lound necessary for the pm po?ra of tho business and tho complete security
of the company. Experience, however, having satislacto ily demount rand that these rates
are excessive, what possible excuse can there be for maintaining th? m?
Availing themselves of thia experience, tho Directors and Managers of the Universal Life
Insurance Company , at its organization, adopti d a seale ot premium? in accordance there?
with, ami which bas provea to be fail and adequate, and all that waa necessary to meet the
requirements of the linsiut as. Theso premiums arc about twenty five per cent, lower lhan
tho?e charge by mutual companeis. Il also appeared, maumu h OB tho ratea so established
were as near as* could possibly be determined lair laten, and not in excess of what insurance
baa previously cost tho policy-holders in muluul companies, that, any profits arising from
er mle nt mulingi nu nt justly and prop? rly b? longed to thc stockholders of tho company, for
the risk incurred by tlx m in undertaking tho business.
Experience has shown that there ure nome? s bf profitin the practice of thc bu si ne? s which
theory aili not admit of being consider? d as eh merits in the calculation of the premiums.
Th? ne remite form a naving in Hie un ri nilly of the nu mb? rn of a company owing to ike me
?beal selection of good lives, a gain m int?r?t-1 on the investments ol the ce m jinny over that
anson.ed in the calculation of its pr? mb ms. the pi obis deiivablo fri m tho lapsing and sur?
render of policies by the members, and fi om ot bi r minor touic? a. Profits from these sources,
in a company possessed of a capita1 ot !2(H) COO, and doing a fair amount of business, would
?ive to the stockholders ?livid? nels largely in e xcess of what were counted on by the Directors
of the Uiiivcisal at tb? lime of its organization. They bavo, therefore, determined to divide
among the policy-holders of tho company a largo pa?t of the profils accruing from the
non rees nain? ?1. all of which have heretofore been divideil among the stockholders.
M'h e plan adopted for such division is as follows: Every person wbo may hereafter insure
with tho Universal will, tor the purposes of division, be treated aa a stockholder to extent of
ono annual premium upon bis policy; and wilt share in tho profits of the company to precisely
same extent as a stockholder owning an eejuul amount of the capital stock.
Rv this system of insurance, original with the Universal, the policy-holder securoB tho fol?
lowing i ni port ant advantages:
1. Insurance at the regular "stock" ratea, r? quiring a primary outlay of about twenty to
thirty per cent less than that chai ped by mutual companies, and which is equivalent ton
yearly "dividend" paid in dvanco of that amount on mutual ratea. This low cost of insur
aneo is worthy of attention Since ita orgai.ization. ibis company bas r? ceived in premiums
from its policy-holders the sum ol S1.G17 OOO. To effect Gie same amount of insurance in a.
mutual company wonld have cost the m an initial outlay of 12 000.000 By allowing Its policy?
holders to retain, in their own possession, thia excess of $483,000, the Universal has virtually
paid them a "dividend" of 1483. OOO and paid it, too, in advance, instead of at the end of one
?ir more years It ia impossible to And any exan.pie cf a mutual company furnishing insur?
ance at so low a cost by rot n mi np to policy-holders an equal amount upon sin.ilar receipts.
2 Participation in tho legitimate prolita of tho company, npon a plan which aeenres to the
PMliuv-boldera tho samo treatment which directors and stockholders award to themselves.
Tin? system of participation, in coiuection with the low "stock" ratoa of premiums, must,
necessarily secure to tho policy-holders cvory possible advantage to be derived from prudent
and careful management.
The low rates of premium con pel economy, and, independent of participation, guarantee
tri tho pohcy-hold? r bis insurance at a ralo which is not in excess of the coat in well managed .
mumal companies; whilo, bv tho proposed plan of participation in what may be considered ?
tho legitimate, profita of tho bmdncB?, the cost, will bo still further diminished.
i Im-, by the combined advautagea arising from low stock rate and participation in profils,
it ia eon il i en tl-, believed the Univeraal Lifo Insurance Company offers insurance al its lowest '
practicable cost.
Those of tho existing policy-holders who desire tr participate in the profits under thc new
plan can do so bv making application to the bead tilico, or to any agents of the company.
The company ls in a sound financial condition. Ratio of aeaetado RabiHiios 1SG lo 100.
Good rcbablo agents wanted, who will deal direct with tho New York office, and to whom .
full general agenta' commiaaiona will be paid.
Bl. W. GARY anil M. C. BUTLER,
State superintendents of Agencies
Office on Richardson street, opposite Columbia Hotel, Columbia, a. C. Supt