The daily phoenix. (Columbia, S.C.) 1865-1878, October 24, 1871, Image 4
" ' avlea*'W??ITBS??^
a Y JUL IAN A. SELB Y ,
F.DITOU ASI) BHOPEIKTOH.
Jfflce- on Maui Street, above Taylor.
.?-Book anti Job Printing ol every do tori p
xion promptly and faithfully attended to... .
Iiitjo'rtod'ln trie Daily "at 75 conte p?r square
for the first and 60 cents each subsequent in?
sertion. Long advertisements by the week,
month or year, at reasonable ratos.
H UH80UI I'TION .
Daily, six months, $1 ul); Tri-Wookly, 2 5t;
iVookly. 1 50. -,
At a gathering in Bridgeport, Gonn.,
a few days ago, a request was made that
the four front seats be vacated by ladies
over twenty, to "make room* for those
under that tender age. A malignant re?
porter Bays: "It is unnecessary to add ?
that there was no great amount of mov?
ing, but thora was some rattling among
tho false teeth after tho service was
over."
Western whiskey is now raised to proof
with oil of vitriol, to accommodate tbo
growing callousness of tho Western
palate; The difficulty experienced by
the distillers is Bsid to be that whon tho
liquor is made sufficiently piquant for
their customers' throats it burns all the
staves ont of the barrels.
A sHr?rDod's OATH.-Cbinnt Botin, a
Hindoo; was indicted in New York, on
the-'16th,' for stabbing. The prisoner
stated'he used tho knife in self-defence.
He'disdained to kiss the Bible, but swore
"by the water/' meaning, as ho said,
that if he told the court a lie he could
not escape drowning next time he ven?
tured on the water. He was acquitted.
"That* fellow's got in the wrong
grave," said one gentleman to another,
in a cemetery. "How HO?" "Because
I knew bib| to be a forger, and a thief,
and yet look upon that epitaph." "Bo
careful," said the other, "how you speak,
for none of us can live up to - our epi?
taphs." J|
A Berkshire papa put it thus to bis
daughter's beau: "Jim, if you want Lu,
you can have ber; but I don't wont you
banging .around unless you mean busi?
ness. If you intend to marry ber, hur?
ry up, for I can't be kept awake nights
ninon longer."
A rubber slate pencil which bounds
and does not break when it falls bas been
introduced into Titnsville sohools, and
the Herald nays an apt pupil can Boon
acquire sufficient skill to knock the pupil
out of t&e''schoolmaster's eye in about
three trials*
An phi .-bachelor ie guilty of this:
'.Woman-The morning star of infancy,
tbe day star of manhood and tbe even?
ing star of age. . Bloss onr stars, and
may they always be kept at telescopio
. distances.'? wi .-.
Be not sprty that men do not know
you, bat be sorry th nt yon are ignorant
of me?.-^-Cotifucius.'
: . .Seegers': Beer
DON'T contain Strychnine. It is pure, and
warranted to be so._March ll
- Fulton Market Meats, &c.
PICKLED BEEP.
Pickled Beef Rounds.
Smoked BeeJL
Smoked Beef 'Tongues.
Hams-choicest brands. Breakfast Bacon.
Beooived weekly- always fresh.
8ept89 V ?:- GEO. SYMMEBB.
Every One Drinks Seegers' Beer,
BECAUSE it gives strength and improves
their health; * - - L March ll
Abbeville Agricultural ' f air ' for 1871.
Notice to Station Agents and Contributors.
GENERAL SUPERINTENDENT'S OFFICE,
(JUE EN VILLE & COLUMBIA IUILHOAD GO.,
COLUMBIA, S. C., October 13,1871..?
TO encourage the agricultural iu teros te,
and at tho same timo to pro vent imposi?
tion, tho following rules in regard to articles
intended tor exhibition at the Fair will bo ob?
served:
All nrtioloa intended for exhibition at tho
Fair will bo regularly way-billed and entered
on the books of thc Company, and charged
the regular ratea ot freight by tho Company's
Freight Tariff, when goiug to the Fair, and
wbiob must be paid before the deliverv of the
articles to tho owner or party controlling the
samo; but if not diaposed ot and returned as
the property of tho carno party, tboy will be
transported to the same Station from which
originally eon t free of charge, and the amount
paid for their transportation to tho Fair will
bo refunded, thus uecuriug for articles in?
tended for exhibition only freo transportation
both ways,
Thoso desirous of sending stock or other
articles td* tho . Fair will please notify tho
Agent, at thu Station from which: it ls to bo
aunt, of thu quantity arid tho car room re?
quired, and at what timo, sufflciuully in ad?
vance, to enable him to pr?vido tho necessary
accommodations.
Agents, on receiving notice, will mnko im?
mediate application for tho necessary cars,
that they may bo furnished in timo.
THOS. DODAMEAD,
Oct 15 _General Superintendent.
Abbeville Agricultural Fair,
To be held on the 25th, 26i/i and With of October.
GENERAL SUPERINTENDENT'S OFFICE,
UBEENVILLE AND Co I, UM li IA lt. It. Co.,
COLUMBIA, S. C., October 13. 1871.
TO accommodate persons attending tho
abovo Fair, ROUND TRIP TICKETS will
bo issued betwocn all Stations on tho Grcou
villo and Colombia Railroad and Abbeville,
commoncing on TUESDAY, tho 24th, and
each day thereafter, up to Friday, tho 27th,
inclusivo. Good to return at any time ho
tween tho date of issue and Monday, tho 30th,
inclusive, lor the price ot a tingle ticket one
way. A Bpeoial Passenger Train will bo run
on tho throe days of the Fair, viz: 20th, 2Glh
and 27th, between Abbeville and Stations bo
low Cokesbnry, as far BB Ninoty-Six; leaving
the latter placo in tho morning, and Abbeville
in the evening, aftor tho close of the Fair.
Due notico will hereafter bo given of tho
hours of Departure and arrival of tho Train
at tho respectivo Stations.
TUOS. DODAMEAD,
Pot 15_General Superintendent.
Fresh Biscuit and Crackers.
SODA Wafers, Pio-Nics,
Fancy Buiter, Lomon,
Wino, Pearle, Oyater, Farina,
Milk, Lemon, Ginger, Variety,
Cream Wafers, Jumbles,
Corn Hill BiBonit, Lemon Snap3.
In small boxes fur families.
_Sept_26_EDWABD HOPE.
The Exchange House.
(8*?^ fS\ WELL ki-own as "tho placo"?T|?
v^rjafi^wbere tho best of drinkahlea ?Q?
^?.IW and oatahlea are furnished, ia \?0
in the full tide of prosperity. The whole
house lias boen put in.perfect order, and the
proprietors guaranteo that guesta san obtain
all tho deliaaeies of the season-OYSTER?,
FISH, GAME, etc
Oct 12 PAYfllNGETt fe FRANKLIN.
THE CAROLINA HOUSE
IS onco moro open to the public, under
'tho superintendence of Mr. R. BARRY.
The reputation of tho house will he kept
np. _ August 31
WARFIELD'S COLD WATER SOAP.
THIS SOAP washes perfectly in cold water,
soft, hard or salt. It removes grease,
oil and paint from garments. It wa t? h rs all
kinds of gooda-cotton, flannel, silk or woolen.
It ?leanaes silver, plated ware and jewelry
without scratching. If the articles arc muon
tarnished, rub them with a piece of flannel
which has plonty of the Soap on it. To peuple
who do their own washing, it is invaluable
It will save ita cost In ono washing. For sale,
in boxes of thirty-six bars, by
EDWABD HOPE.
April 0_Agent for gonth Carolina.
! Seegers' Beer ia Pure.
IT don't Contain Copperas, Salt, Limo o?
Alum. Marah ll
Mealsfurniab?d at ail hours at POLLOCKS'.
IBBY MUIR EBUBIB!
THE: BEST IN THE MARKETS
OHOIOE and select FAMILY GROCERIES, full assortment o
^^rtTpij/^j^ Bugara, Coffee a-Rio, Java and Laguayra; Teas of nil kinda
>=^^^^?^^-??jv Chocolat?e, Broma, Spices, Pickle?, Sauces and Tahlo Dreaaingi
^^^^^^^^^^^^?j- ol ell kinda and dea'-ripticna, Che? tc -fc'np-f-'ago, Facloiy, Pine
C?^^^^SjSm^^^?f^^'. *A lull ttcik'< i the fcttl brenda of
^^SUf^^^^^^^r In b?rrela acd packages, consist inp in part of Nonpareil, Madiaoi
^f^^^ff^^T'^ and Highland. Also, Oatmeal, l'eail Grift, nommy, Corn, etc.
. ' .>. Table and Liverpool Salt, Biscuit and Crackers of al) hindu, Eng
Heh and American. Potatoes, Onion a and other Vegetables constantly on bund to suppl;
retail trude. A full supply of all kinds of EANCY HOM'S, including Colgate's heat toilet
and that for dornest io purposes. Canned Gooda of every description. Jellu s and Pr?serv?e
beat family Butter, Lard, Molasses of all gradea. Meats, Hums, Din d Bref, Tongues, Bucoi
Strips,'BelUes and Silica. Also, a foll aeson mont of FISH, iuclnding best No. 1 and Mea
Maokorcl, and Smoked and Pickled Salmon, etc. Particular stu nt ion ia imitid to our ful
Btook of
LIQUORS,
Embracing the beet brands, foreign and domestic lo bo found llJr ^ x L *.
in the market. CHAMPAGNES of al) popular brands; Sherries, /?^f^^^r^kj'L (A
Madeira, Port and Catawba Wines of all kinds, and Bitters of fif/f \W| fflBH^Yy*'
cvory grado. Also, inglieh, Hcoteh and Brimin ALES, o? tho ;/////| | 'JJJ^jr;iflg9S5:^"T.-*7
following brands: McEwan's. Mnir A Sons', Younger'e, eto., etc.'(jiff \^?^J(Hf^&?I?K(^^~
Especial attention ie called to our MONOGRAM and other (uS^tt^L^JfciM
WHISKEYS, tho boHt in th? merket for family nao or medicinal ^nP^JS?S^^t^ SjlV
onrpOBctf. Aleo, to our BRANDIES, inohiding tho boat Hivert T^J11 JfRrW^BMttti Wi )
Pellevoison, Larroudo Ireh. Cognac, vintage of 1805. Also. f^^^'E^L^^B.?ra f
GIN 3, Palmetto anti Swan branda. All import fd and warranted -^^?J^HB^VWH=i
good.: Also, wo have rn band a full stock of choice CIGARS and ^ajajha-?<-'?iai
CHEWING TOBACCO, Baglcy'a Fine Cut, cdc. A Block of BAGGING and COTTON TIES
and other articles for plantation uao. In fact, everything needed orto ho 'mind in a fire
c?as? Grocery Store, and at prices to suit the times. We warrant our goods Bret class, um
invito an inspection of them. HARDY SOLOMON,
Oct 6 r Columbia Hotel Block.
YELL 0_W_ L I N E !
FAST FREIGUTS TO AND FROM NORTHERN CITIES,
Via Charlotte, Columbia and Augusta Railroad, North Carolina Railroad
Raleigh and Gaston Railroad, Seaboard and Roanoke Railroad,
and Steamers between Portsmouth and Nev.' York,
Boston, Philadelphia and Baltimore !
wni^rtriBTTiTm THE ABOVE-NAMED RAILROADS, In con
AW^rr^gSfg"""v* _ _nection with tho Steamer Lines, having unitei
Jfcj?BEaBB|BB YELLOW LINE, will put in 'opera
gliCMggBCfria^^ on tbo4thof Septembor, a FASTTHROUGl
?BEIGHT 80HEDULE between Columbia and Augusta and tho above-named Norther:
?Ule*. Tho attention of eblppeiBand receivers of freight ia called to the following advan
tag ea offered by the lino:
it ie almost entirely an Inland ronte, by which rates of insurance end rieka of delay fror
bad weather are greatly reduced. There ia no dtayage, and no transf?re, except under covet
Daily Steamers will ron between Portsmouth and Baltimore, Philadelphia and New York
and f>eight* will have prompt despatch.
Batea and clandflcaliont the simo aa by other routes.
Through bills of lading given and claims promptly adjuated.
$Or HAVE GOODS MA ll KED "VIA YELLOW LINE." .?*
For farther information, apply to E. P. ALEXANDER,
Superintendent Oharlotto, Colombia and Augusta haili ead,
E. B. DonsBT, General Freight and Tiokot Agent. Sept 2 Brno
Wait! Wait! Tor pie Big Show!
THE. O Nt L Y " ' " .
THAT WILL VISIT THE SOUTHERN SI ATES TUTS WINTER.
'1'lltO UNliY ANO OlCMil.VAtj
OLD JOHN ROBINSON,
Sixty-Bereu yeare of ago, with an experience of over Fifty Yea:a iu the South aa owner ot a
M rn agouo and Circus, ou his graud
ANNUAL TRIUMPHAL TOUR
Through all tho Southern State?, with
Three Monster Pavilions.
ONE EXCLUSIVELY FOR THE MUSEUM,
ANOTHER EXPRESSLY FOR THE M EN AG ERIE AND CARAVAN,
THE THIRD DEVOTED TO THE EQUESTRIAN ENTERTAINMENTS,
All adjoining and connecting together, hut
ONLY ONE PRICE OP ADMISSION,
And ono Ticket admita you to tho cn tiro combination,
MENA G ERIE,
Wait for it!
CARAVAN, MUSEUM AND CIRCUS.
Watch for it ! Go and see it !
Tho only roal Menagerie. Museum, Carav.in and first claws Circus on thc road.
25 GOLD AND CRIMSON CAGES
Drawn by boautiful matchod Croam and Dappled Horses- all tho Circus Retinue. Largest
and liest Parade ever seen on thu public et reels.
Four Monster Living Sea liions,
With their young PLATYR?YNCHUS LEONEN US, or SEA ELEPHANTS, with mano erect
liko Forest Monarchs, requiring over 200 pou mis fresh flab daily for their mi Insistence-tho
only ones on exhibition iu tho world, and eau hu seen iu thia Menagerie at all hours, ?port?
ai g in an artificial Lake of Ocean Water.
A Wild Tartarian Monster ITak,
From the DeBerts of Tartary, with long, beautilul bair growing from his back to the ground.
The only ono on exhibition in America. Dou't confound thia with any small Show or Mena
gorio, hat bear in miud that
OLD JOHN ROBINSON, the Leviathan,
lin triumphantly marohing on, and will positively exhibit at COLUMBIA, MONDAY, October
80,1871. kOct 19 4?
GREAT SOUTHERN* '
FREIGHT AND PASSENGM UNI.
TIA
CHARLESTON, S. O.
TO AND FRO ai
BALTIMORE, PHILADELPHIA, NEW YORK, BOSTON,
AND ALL THE NEW ENGLAND MANUFACTURING CITIES.
THREE TIMES
ifflgB^B m WM A WEEK
Tuesdays, Thursdays, Saturdays.
ELEGA NT RTA TE-ROO il A CCOMMODA TIO NS.
Sea Voyage 10 to 12 Honrs
Shorter via Charleston.
TOTAL CAPACITY, 40,000 DALES MONTHLY.
The South Carolina Railroad Company,
AND connecting Roads Weat, In alliance willi the fleet of thirteen tir?t elatB Steamships to
tho above ports, invite attention to the quick timo and regular despatch allurded to the
business public in tho Cotton States at the
PORT OP CHA ll LEST O N ,
Offering facilities of rail and sea tram-portatmn for Freight and Passengers not excelled in
excellence and capacity at any other poit. '1 he following splendid Ocean Steamers aro re?
gularly on the line:
TO N K XV Y O II IC .
MA NH A TT A N, G EG R G IA,
M. B. Woodhull, Commander. S. Crow? ll. Commander.
CHAM RION, SOUTH CAROLINA,
R. W. Lockwood, Commander. T. J. Beckett. Commander.
CHARLES I ON, CLYDE,
James Burry, Commander. J. Kennedy, Commander.
JAMES ADOER, ASHLAND,
T. J. Lockwood, Commander. - Ingram: Commander.
JAMES ADOER ,V CO., WAGNER. HUGER A CO.,
Agonta, Charleston, 8. C. WM. A. COURTENAY,
Agenta, Charleston, S. C.
TO PHILADELPHIA.
VIRGINIA. EMPIRE,
Alox. Hunter, Commander. C. Hinckley, Commander.
S.uuxo DAYS-THURSDAYS;
WM. A. COURTENAY, Agent, Charleston, S. C.
TO II A L T I 51 ? It K .
FALCON, MARYLAND,
II ai nie. Commander. Johnson, Commander.
SEA GULL,
Dutton, Commander. Sailing Dava-Every Fifth Pav.
PAUL C. TUEN HOLM. Agent, Charleston, S. C."
Rates guaranteed as low as those of competing lilas. Marine Insurance, one-half of ono
por cent.
THROUGH BILLS OF LADING AND THROUGH TICKETS
Can ho bad at all the principal Railroad Offices in G roi g ii?, Alabama, Ten nt taco and Missis?
sippi.
State Rooms may bu secured bi advance, without extra charge, by addressing Agents of
tho Steamships in Charleston, at whoao offices in all eases the Railroad Tickets should bo
exoilanged and Berths assigned. Tho Thrungli Tichela by thia rente include Transfers,
Meals and State Room, while on shipboard.
The South Carolina Railroad, Georgia Railroad, ar.d ihtir connecting lines, have largely
increased their facilities lor tho rapid moven t nt ni Fr? ight and Paeat tigers between the
Northern cities and thu South and West. Conilorlablc Nibht Cars, with thu Holmes Chair,
without oxtra charge, have been introduced on thu South Carolina Railroad. First class
Katine Saloon at Rranchvillo. On thc Ct orpia haili ono ilitt clots HM ping Caro.
Freight promptly transferred finn? Pi? ?niel tn <in> and nie.lit trains ol the Smith Carolina
Railroad. CIOBH connection mad* with ello i I;, nefs, delivering Fi? ie Lt* at distant points
with groat promptness. The mm Hgt iswill v.n-.t vt i \ -xi ititi' lo tu Ucl) Iht-ir patrons that
the line via Charleston cannot b? t-uipapsrd in r'rtpaii). si d thc ?ob deliver J ol goods.
For further information, apply te J M SFI.KIHK. Stineriiiti iid?iit, Chai h ?? on, P. C.; R. D.
HABET,!,, General Agent, P. O. Box 4 079; Office 317 Broadway, N. Y ; P. B PICKT NB. Central
Passenger and Ticket Agent, South Carolina Railroad. AI. FU KI? L. Tl nut.
June 20 JGmo Vico-Prcaideut Scuth Carolina Railroad, Cbailrttt n. S. C.
New Mackerel.
JUST receivod, a full supply of now Boston
MACKEREL, Nos. 1, 2 and 3. in barr?la
half b?rrela, quarter barrels and kita, for
family nao, for salo ow by
Sept 2G JOHN AGNEW tc RON.
American Club Fish.
V*^5?;..>? A DELICIOUS relish : helter
and much chea j J er than Sa rd in es. Foi sah
hv lt. HORE.
U'd Virginia Hums.
New Maokeret.
SyriCi WHOLE, naif Barr?la and Kits
?Ul'Noj 1,2 and 3, Boston inapociioii,
just received and for sale much lower than at
any timo einoo tho "little unpleasantness "
Bopt 17 E. HOPE.
1,000 tbs. Virginia (country-cured)
/VMR for talo bv
H. pt G l l)WAl(l) HOPE.
OLD HANK HILLS ami nt H i ILATKD
ctillKKRlcl ?ought and sold by
Nov 23 Gmo D. GAM. RILL. Broker.
S;'STRAUS' &
; Io the piuco where you can buy
The Best and the Cheapest
CLOTHING AND GENTS' FURNISHING GOODS.
WE arc now prepared to exhibit ono of the moat choice and eoloct Stocka over offered in
this market, and
At Astonishing Xiow Prices.
Our motto ia "QUICK SALES AND SMALL PROFITS." Oct 8
Drawing Postponed from october 1. 1871, to January 1,1S72.
In Consequence of Ute Fever in Charleston, H. C.
$500,00? to be Given Away!
The South Carolina Land and Immigration Association,
BUTLER, CHADWICK, GARY & CO., AGENT8,
UNDER tho auspices of tho "South Carolina State Agricultural and Mechanical Society,"
will givo a series of CONCERTS, at tho Academy of Music, Charleston, S. C., commenc
iug January B, 1872. Refers to all tho bankers, brokers and prominent gentlemen of tho
country, both North and South.
150,000 Season Tickets of Admission, at $5 Each.
If yod" hnvo not received a circular, tend for ono, giving full particulars. All orders
strictly confidential. ii ...
2,405 Gifts, Amounting in all to $500,000.
Thc drawing of this great Southern i-nfctpiibe will be conducted under the supervision of
the following well knotwi ge-ntlen III: Cen. A. It. Wiigbt. ol Gceigia; Gui. Bradley 1. John?
son, of Virginia; Col. R. H. Rutledge, ol South Carolina; Eon.Rog? r A.Pryor, of New York.
Money for Tickets can bc tent eil ncr hy Liprets 01 Pott Office Order, and the Ticketa will
bo prnmptlv forwarded.
??rDirrct all letters to BUTLER. CHADWICK, GARY A CO.,
Principal < Dice, Charleston, S. C. Charleston, H. 0.
GEN. M. O. BUTLER. JOUN CUADWICK. GEN. M. W. GABY.
Oct 1 amo
GRAND PRIZE DISTRIBUTION!
rpICKETStotheConcortaof tho SOUTH CAROLINA LAND AND IMMIGRATION ASSO?
CIATION ready for salo and dolivcry. All orders from tho country promptly filled. Agente
wanted for the CounMea of Lanoaater, Lexington, Spartanbarg, Greenville, Abbeville, Oco
nco and Pickcns. Apply to D. GAMBRILL A CO.,
Juno 6 Genera! Agento, Columbia, 8. C.
THE UNIVERSAL LIFE
inilllEljatiBfeklllHITl
LIBERTY STREET, ^^^^^^^^^^^^^ NEW YORK.
The Original Stock Life Insnranoe Company of the United States.
OFyicEiis:
WILLIAM WA Lit KU. President.
HENRY J. FURBER, vice-President. JOHN II. BEWLEY, Secretary.
GEORGE L. MONTAGUE, Actuary. E. W. LAMBERT, M.D., Medical Examiner.
THIS COMPANY offers tho following IMPORTANT ADVANTAGES to those
abont EFFECTING INSURANCE ON THEIR LIVES:
1. Insurance at Stock Rates, being from 20 to 30 per cent, lees than the rates charged by
mutual companies.
2. Each Policy-holder is regarded as a Stockholder to tho extent of ono Annual Premium
on his Policy, and will share in the Profits of tho Company to tho same extent aa a Stock?
holder owning an equal amount of tho Capital Slock.
3. Every Policy iusuou by the Company is nou-forfeitable, and contains a [clause stating Ita
exact Surrender Value.
Before Insuring your Life or accepting the Agency of any Company,
HEAD Till: FOLLOWING!
A lengthened experience has demonstrated that tho rales nf premium ordinarily charged
by lifo inuuraneu companies aro from twenty-live to ihirty per cent, in excess ot what are ne?
cessary for a safo and legitimate conduct of the business. In other words, carefully and
prudently-managed companies charging "mutual" rates havo heen able to return to their
policy-holders from 25 to 30 pei* cent. ot tho amount charged for premiums.
When life insurance companies were first organized, reliability Of the data upon which pre?
miums wero constructed had not undcrgoue teat of e xperience, lt was thought, therefore,no
moro than common prudence to adopt a scidu of premiums which would, in any event, meet
all the presumed and unforeseen eontingeneh s of the business. As long as tho matter waa
involved in somo doubt, it wae belter to lix the rate too high than to incur the risk of mak?
ing it too low; because, in tlio former cuse, the error could be easily remedied, at least In
part, by returning to thu policy-holders, at certain intervals, such portion of tue premium
charged au wau found necessary for the purposes of tho business and tho complete security
of the company. Exp?rience, however, having sulistacloily demonstrated that these rates
are excessive, what possible excuse can there he for maintaining them?
Availing themselves of this experience, the Directors and Managers of the Universal Lifo
Insurance Company, at it? organization, adopti d a SCRIO of premiums in accordance there?
with, ami which hau provea to bo fail and adequate, and all that was necessary to rocot the
rccpn remen ts of tho business. These premiums uro about twenty-five per cont, lower than
thoeo charge hy mutual compnneis. It aleo appeared, inasmuch as tho rates BO established
were as near aa could possibly be determine d lair rates, and not in exceesof what insurance
has previously cost the policy-holdere in mutual companies, that any profits arising from
prudent management justly and properly belonged to the stockholders of tho company, for
the riuk incurred by them in undertaking tho business.
Experience h BB shown that there are som ci s of profit ill the practice of tho business which
theory will net admit of being considered au edi ment? ill the calculation of Ihe premiums.
The so results form t saving in the mortality of thc me mix rs of a company owing to tho me?
dical selection of good lives, a gain in intel ext on thc investments of the company over that
assumed in the calculation of itu pr< minnie, the profits derivable from tho lapsing and sur?
render of policies hy tho members, and fi om otb' r minor sources. Profits from these sources,
in a enmpuny possessed of a capita' ol i2(J0,OG?, ahel doing a fair amount of business, would
gi vu tn thu stockholders dividends largely in excess ed ? hat wero counted on by tho Df rectors
of tho Duivcisul at tho time of its organization. 1 Hey have, therefore, determined to divido
among tho policy-holders of tho company a largo puit of the profits accruing from thc
sources named, all nf which have heretofore been divided among the stockholders.
Thu plan adopted for such division is au follows: Every person who may hereafter insure
with tho Universal will, i thu purpose s nf division, l e treated as a stockholder to extent of
ono annual premium timm his policy; and will share in the profits of tho company to preoieely
samo extent as a stockholder owning un equal amount of the capital stock.
By thiH system of insurance, original with thc Univ creal, tho policy-holder secures tho fol?
lowing import ant advantage!- :
1. Insurance at the regular "stock" ratee, rr quiiirg a primary outlay of abont twenly lo
thirty per cent, less than that chai ged hy mutual companies, and which ie equivalent iou
yearly "dividend" paid in dvance of (hat amount on mutual rateB. 'Ibis low cost of insur?
ance is worthy of attention. Since its orgai.ization. ibis company has received in premiums
from its policy-holders th? sum ol fl,017.COO. Toi fleet the same amount nf insumi.ee in a
mutual company would have cost tin m an initial outlay of t2 00O.0C0. By allowing ?B policy?
holders lo retain, in their own possession, this excess of $483,000, the Universal has virtually
paid them a "dividend" of M8;i COO and paid lt, too, in advance, instead of at tho end of one
or more yenrs It is impossible to find any example cf a mutual company furnishing insur?
ance at so low a cont hy returning to policy-holdeis an equal amount upon similar receipts.
2 Participation in tho legitimate profits of the compauy, upon a plan which secures to the
PMlicv-holders tho esme treatment which directors and Btockholdera award to themselves.
Thu? system of participation, in connection with tho low "stock" rates of preminmB, munt
necessarily secure to tho policy-hohlois every possiblo advantage lo be derived from prudent
and cartful management.
Tho low rates of premium cou pel economy, and, independent of participation, guarantee
to tho pohcy-holde r his insurance at a rato which is not in excess of tho cost in well managed
mutual companies; while, hv the proposed plan or participation in what may be considered
tho h gilihiato profits of tho buMneas, the cost will bo billi further diminished.
11?UK hy ihe combined advantages arising from low stock rate and participation in profita,
it is conti 'enth believed the Universal Lifo Ineuranco Company ofiere insurance at its lowest
pruotictib'e cost.
'I hose of tho existing policy-holders who desire I o participate in the profits nnder the new
plan cm do sn hv making application to tho head cfiice, or to any agents of tho company.
The company is in a sound financial condition. Ratio of aseets to liabilities 180 to 100.
Good reliable agenta wanted, who will deal direct with the New York offloo, and to whom.
rull general agents' commissions wiU be paid.
M. W. GART and M. C. BDTLBR,
Stato Superintendent* of Agencies
Office on Richardson street, opposite Columbia Hotel, Columbia. 8. O. Sept