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J i Oj JSJ i X Jul Viii J>11 ?X -JV?'? I tifo-13 aV JULIAN A. SELBY, IDnOE A?? PBdFBirriB, ? nice. OH Main - Street, above Taylor. .?:>.:.;/'( .:i ... tar*Book and Job Printing of every des crip .ion promptly ?nd faithfully attended to. ADvanns noorrfl inserted in tho DaUy ?t 75 cents nor squaro lertion. Long advertournante by Ibo week, month br year, at reasonable ratea. ... .... -, j soBaouipnow. ' Dairy, six months, ?4 00; Tri-Weokly, I ?C; wTe'skly, 1 SO. ''V-j; r"s . .? .y 1 .... ; ,* ti .,'A Prayer. I ask not wealth, bnt power to take And nae the things X have aright; , Roi vear*'. but wisdom that shall make ITy life a profit and delight. I ask not that for nie the plan "orgo????3ttrjMato;^ I know I may not always keep My stopa in planes' green and sweet, Nor Aad th? pathway of the deep A path of; %Kt? te- ?sj fast; f ' . ; Bai pray ihat^wben the torupeet'a breath Shall fiercely sweep my way.about, I make nut shipwreck of my faith In the.onbottomod sea of doubt; And that, though lt be mine to know How hard the stoniest pillow seems, Good angels still may oome and go On the bright ladder of my dreams. I do not nek for love bolow That friends shall never be estranged; Bnt^orthopower of loving, BO My heart may keep ita youth unchanged; Youth, joy, wealth-Fate, I give thee these; Leave faith and hone till life is passed; And leave my hearts best impulses Fresh and unfailing to the last. For this I count of all sweet things, The Sweetest ont of Heaven above; And loving others surely brings The fullest recompense of love. Po KT BOYAL BAILROAD.-The large bridge over the Whale Branoh has been completed, and bat a few weeks since, two fine'new locomotives from Grant's works passed through Angosta for that I road. ' On the 2d of this month, there were forty consecutive miles of the road built and track laid from Port Boyal to- j ?wards Augusta, and on the Otb instant, trains will be ran regularly from that point for freight and passengers, con? necting with the Charleston and Savan? nah Railroad. Among the frauds just unearthed in New York is found the payment of $60,000 for a Binarte copy of the Bible for the ase of the Board of Aldermen. It seems an order made by the Board for a oopy was oonBtraed, for the purpose of making a job for somebody, into an order to have a special (single) copy printed ; and it was done accordingly, and was a "fat take," judging from the price charged. The President made a speech at Springfield, Masa, which we give in full: "Ladies and gentlemen, I am happy to meet yon; bat ss the train is now await? ing my departure, 1 most bid yon good? bye," _ MONEY CANNOT BUY IT! . For Sight ts Priceless! ' But th? Diamond Spectacles will Preserve lt. IF yon value your eyesight use these PKH. ' PECT LKB8K8. Ground from minute crystal pebbles, =c!isd tegsiher, rsd derive their name "Diamond" on account of their hardness and brilliancy. They will last many yean without change, and are warranted su? perior to aU others, manufactured by J. E. SPENCER ft GO., N. T. CAUTION.-None genuine unless stamped with our trade mark. WM. GLAZE, Jeweler and Optician, is sole agent for Columbia, 8. 0.,from whom they can only be obtained. No peddlers employed._Joly 20 ||ily Butter. 4TUBB Virginia Talley BUTTER, . 6 tobe Mountain Butter. S tubs fine Goshen Butter. AU nice and fresh and for sale LOW. Ootl_ L?RICK A LOWRANCE. STENHOUSE, MACAULAY & CO., Grocers and Commission Merchants, OB?BLOTTEjN. O. SOLICIT orders for COTTON. Corn, Flour, Button. Lard, Ac, and Family Groceries generally. Orders filled carefully and prompt? ly____Feb 7 lyr PBarley 1 Barley! LAMTKR8 can have SEED BARLEY at $1.15 ber bushel. Terms o ash. Sept 22_JOHN O. BEEGERS. Every One Drinks Seegers' Beer, BECAUSE it gives strength and improves their .health. March ll "Motto's Victoria Tonio Bitters." JB II TI fUS I. Y VEGETABLE, F?r ths cure af Dyspepsia, Ague and,Ester, BUlqus Viseases. Qensrei Beb?Jv, i and aU Impurities of the Blood. THESE BITTERS have now firmly esta? blished themselves in the favor of the public and the medical profession. Prepared from purely vegetable ingredients of aoknow. lodged efficacy, their unrivaled and highly tonie, stimulating and prophrylaotio qualities peculiarly adapt them to all oases of General vobiiity, xiervous Prostration of ibo Sys? tem, Ac. Aa aa excitant of the appetite and a whole? some aid to the prooess of digestion, they will be found to be vary effloaniona, while their poouliar medical properties render them of nneqnalod value to those anbjeot to Chilla and Fever, Congestion, and other miasmatic These Bitters will be found most wonder folly beneficial in all oases of Debility and Ir? regularities of Females. Wheresoever intro? duced, they become a standard article- a medlo!nal staple. Unlike the many noxious stimulants advertised, they braoe and fortify the system without exoiting undue cerebral action. They are without doubt the best to? nio and constitutional renovator ever offered to the public MOTTE A TARRANT, Manufacturers and Sole Proprietors, Nowberry, 8. C. Sold by E. H. HsnirrsH, Columbia, 8. C. Sept lg_6mo STOCKS. BONDS ?nd COUPONS bought and sold by D. OAMBRILL, Braker. The raffle for Temperanoo Hall, ftc, will positively take placo on the 10th November. QUOTATIONS FOB ?c^pr? OABOiawi tim OTJIOTIBS, BY D, ?AMBIilli, BROKHB, Main street, Colombia, a O., Dealer in Gola, Silver, Bank Notes, Stocks. Bonds', etc.-November4,1871. - ' STATS. : Bid. Asked. Sooth Carolina Bonds, 6 ty oent. (old).-.V?'..'.. 73 Sooth Carolina Bonds, 6 ty oent. (new) ...... ?..? 40 South CaroUby?took, flg ot .'40 C CITY SKCTJIIITTES. * City Columbia Bonds, 6'ty ot ' 60 City Columbia Bonds, 7 ty cfc. 70 City Columbia Oas 'Stock, par, $25,.:. 18 City Charleston Stock, 6 ty ot. 53 City Charleston Bonds, Fire Loan, 7 ty oent... 71 . BATLHOADS. Sooth Carolina Bonds, 7 ty cent; 1st mortgage. 86 South Carolina Bonds, 7 V ot , 70 Sooth Carolina Bonds. 6 ty ot. 65 South Carolina Stock, par. $100,.....w. 32 South Carolina Bank Stock, par, ?125. S2 North-eastern Bonds, 1st mort? gage, 8 ty oent...I. 91 North-eastern Bonds, 2d mort? gage, 8 ty cent. 81 North-eastern Stock, prefer? red, 8 ty o?nt, par $50.... North-eastorn Stook, Capital, par, ?50..... Charleston and Savannah Bonds, G ty oent. 65 Savannah and Charleston 75 Bonds, 1st mort, 7 ty cent 65 Savannah & Charleston Bonds State guarantee, 7 ty cent. Savannah and Charleston Stook, par, 8100. Greenville and Columbia Bouda, State gu ur., 7 ty at.. 56 Greenville and Columbia Bonds, 2d mortgage, 7 ty ot 40 Greenville and Columbia 1st mortgage, past due, 7 ty ot. 95 Greenville and Columbia Stook, par, $25. 1 Charlotte, Columbia and Au? gusta 1st mortgage Bonds, 7 ty cent. 81 Charlotte, Columbia and An* gusta Stook, $100, par. 40 Spartanburg and Union B'ds, State guarantee, 7 ty oent. 50 Blue Ridge Bonds, 1st mort gaga, 7 ty oent. 50 Oheraw and Darlington B'nda, 1st mortgage, 8 ty cent... 90 Cherawand Darlington B'nds, 2d mortgage, 8 ty cent. 75 BANKS. People's Bank of Charleston Stook, par, $100. 2 8 Union Bank Charleston Stock, par, $50. 45 Planters' and Mechanics' Bank Charleston Stock, par, $25 23 South Carolina Loan and Trust Co. Stook, par, $100.. 100 First National Bank Stock, par, $100. 125 People's National Bank Stock, par, $100. 105 Bank of Charleston Stook, par, $100. 19 Carolina National Bank of Co? lumbia Stock, par, $100... 100 Central National Bank of Co? lombia Stook, par, $100... 100 Sooth Carolina Bank and Trost Co. Stock, par, $100. BANK NOTES. Bank of Camden. 15 Bank of Chester. 15 Bank of Georgetown. 02 Bank of Hamburg. 15 . Bank of Newberry. 15 ! Bask of Son th Carolina. 05 Batik of State of South Caro? lina, prior to 18G1. 25 Bank of State of South Caro? lina. 1861 and 1862. 25 Commercial Bank Colombia.. 05 Exchange Bank of Columbia 03 Farmers' and Exchange Bank of Charleston. 02 Merchants'Bank of Cheraw. OS Planters'Bank of Fairfield.. 03 SUte Bank. 03 These quotations are liable to fluctua? tion. Securities sent to me will be re? mitted for al directed; at the best mar? ket rates. Stocks and Bonds of every description bonght and sold. Survivors' Association. npBI Vnnnal Meeting of tho SURVIVORS' JL ASSOCIATION OF SOUTH CAROLINA will bo held at Colombia, on THURSDAY, November S, at 10 o'clock A. M. District Ac aooiationa are requested to send full delega? tions, as mattora of interest will be brought before the Association. On the following evening, November 10, the Anniversary Address before the Association will be delivered by that true patriot and tried soldier. General Jmi Ar, A. EABLY. AU Confederate soldiers, and those who sympathized with the canso for which they fought, are invited to be present on this in? teresting ocoaeion. By order of the President, General WADE HAMPTON. A. O. HA8KELL, Secretary. sw Papers throughout tho State are re qoestod to copy._Oct 23 Canned Goods! Canned Goods! 1 P^fw OASES fro* CANNED GOODS, Jost JLtJyJ reoeived, consisting in part as follows Peaohea, Pine Apples, Pears, Blackberries Cherries, Tomatoes, Lima Beans, String Beana, Corn, Condensed Milk, Salmon, Sardines, Turkey, Beef, Mutton, Asparagus, Cove and Spiced Oysters, Salmon, Lob? sters, etc. For salo by Oot 4 JOHN AGNEW A SON. Hardware, etc. t /Vf\ DOZEN AXES. JLvJw 49 balee Bagging, 200 bundles Arrow Ties. 30 dozen Railroad Shovels. 200 pairs Traoe Chains. Just reoeivod and for sale at lowest mark o pri?e* L?RICK A LOWRANCE. beouro tickets in tho Columbia Co-opera? tive Building Association. ; ' .v?uAU ?V^IVv HI i .? ?. } * r i -nv ir 11 H j CITIZENS' SAVINGS BANK I SOUTH OAKOLINA Deposits of gi and Upward? Received, INTEREST AITLOwii* Af* THE RA TE f >1 SEVEN PER GENT. PER ANNUM, ON GERTI E1VATES OT DEPOSIT, AND BIX PER OENTTVOM POUNDED EVERY SIX MONTHS OlPACGO UNT8. OFFICERS. Wm. Martin, President. JohnB. Palmer. ( v," M . > John P. Thomas, f ?-^?M?aente. A. G. Brenlxer, Cashier. . J. H. Sawyer, Assistant Cashier,.! charge- of liranohes. John 0. B. Hmith, Assistant Cashier. Director*. Wade Bampton, William Martha, A. C. Has? kell, F. W. MoMastor. John P. Thom as, E. H. Heinitsh, John B. Palmer, Thomas E. Gregg, Columbia. J. Eli Gregg, Marlon. G. T. Soott, Newberry. - W. G. Mayei, Newberry. B. H. Rutledge, Charleston. DanielBavenel, Jr.. Charleston. TtHeohanicB, Laborers, Clerks, Widows, Or* phaus and others may hera deposit their sav? ings and draw a liberal rate of interest there? on. Planters, Professional Mon and Trust?es wishing to draw interest en their funds until they require thom for business or other pur? poses; Parent? desiring to set apart small tums for their children, and Married Women and Minore (whoee doposits can only he with? drawn by themselves, or, in case of death, bj their legal representatives,) wishing to laj naide funda for futuro use. are here affordee an opportunity of depositing their meant where they will rapidly accumulate, and, al the same time, be subject to withdrawal who: needed._Aug 18 Sundries. -i df\ BOXEB aBBortcd CRACKERS. IWU 100 boxes assorted Canned Gooda CO boxes Soap. CO hoses Candy. SO boxes Candles. 200 barrels Floor. CO b?rrela Whiskey, coming in and in store and to which wo invite tho attention of tin trado._LOKICK & LOWRANCE. American Club Fish. y^f^B^S A DELICIOUS relish; hetti ] and much cheaper than Sardines. For sall by_K. HOPE. SPECIAL ATTENTION given tothocol leotion of Commercial Paper, Interes on State and Railroad Bonds and Stocks, ant Conversion of State Securities, by Nov 23 Gmo E G AM BRI LL, Brokor. (JEMAL NATIONAL BANK OF COL,UMB?A. s.o. Present Capital, $150,000. AUTHORIZED CAPITAL, 1000,000. officium. John B. Palmer, President. A. O. Brenizer, Cashier. O. N. G. Batt, Afwistant Cashier. DIKEOTOBS. J. EU Gregg, John B. Palmer, F. W. Mcmas? ter, B. D. Benn, of B. D. Bonn A Bon; O. Vf. Bearden, of Copeland A Bearden; It. L. Bryan, of Bryan A MoGarter; W. C. Swaffield, of R. & W. C. Swaffield. F. W. McMaater, Solicitor. THIS Bank ia now opon for the transaction of a general banking hnaineaa. CERTIFICATES or DEPOSIT of currency or coin, bearing interest at the rate of seven (7) per cent, per annum, in kind, will be issued. Deposits from County Officers especially so? licited; also, from Trustees, Administrators, Executors, Professional Men, and others. Particular attention given to accounts of City and Country Merchants, and other lumi? nous men, and the usual accommodations ex? tended. Notes, Bills of Exchange, and other evi? dences of debt discounted, and money loaned on collaterals. Stocks, Bonds, Gold, Silver bought and sold. Mutilated Currency purchased at a small discount. Sight Bra?s drawn direct on all the promi? nent places in England, Ireland, Scotland, France, Germany, Belgium, Soiland, Ben mark and the Orient. Letters of Credit issued, ( arable in any of the above placee Drafts on all the prominent cities in the United Statea bought and sold. Banking House opposite Columbia Hotel. Upon from 9 to 3._Feb 28 ly WARFIELD'S COLD WATER SOAP. THIS 80AP washes perfectly in cold water, soft, hard or salt. It removes grease, oil and paint from garments. It washes all kinds of goods-cotton, flannel, eilkor woolen. It cleanses silver, plated ware and jewelry without scratching. It tho articles are much tarnished, rub them with apiece of flannel which hus plenty of tho Soap on it. To people who do their own washing, it is invaluable. It will save its cost in one waehing. For salo, in boxes of thirty-six bars, by EDWARD HOPE, April 9 Agent for South Carolina. Seegers1 Deer DON'T contain Strychnine. It is pnre, and warranted tobo HO. March ll COUNTY CLAIMS ANO JURY CERTI? FICATES bought bv Feb 5_D. GAMBIULL. Broker. Tho rafllo for Tempor?neo Hall, Ac, will positively take placo on tho 10th November. The Brooklyn Life Insurance Company, OF NEW YORK. Faid Up Cash Capital of $2,000,000. -o-? CHRISTIAN W. BUNCH, PreBident. I W. W. COLE, Secretary. W. H. WALLACE, Viae-Preaident. D. PARKS FACKLER, Actuary. OFFICE NO. lil BROADWAY, NEW YORK. JOHN E. BACON, W. P. BUTLER, General Agenta aud Mauagera for South Carolina and Auguata, Oeorgia. AB General Agenta, we take pleasure in presenting thia well known and responsible Com? pany to the publie, and in recommending it as first class in every way. We might add much more on thia aubjeot, but, being intnrotttud aa its Agenta, prefer to apeak through dis? interested parties. Therefore, read and digoat tho following notices-among many others from both Northern and Southern papers, aa to tho virtuou of Ibis Company: Thore ls no better company in tho land. A compariaon with other corporations of a simi? lar charaoter will convince all of tho superior safely in taking risks with the Brooklyn Life. [Columbus, Ga., Sun, January 27.18tl'J. Tho Brooklyn Lifo has placed itself in the vanguard of insurance reform, and is the jirsl company that has done full justice to tho insured, Ac. [insurance Titnes, New York, January, 1800. This great foature of caBh surrender values is an important improvement that signalizes tho era of insurance.-Raleigh Sentinel, N. C. This plan-guaranteed surrender values-removes tho solo objection existing to making an application for Insurance. Each policy becomes a piece of negotiable paper, as easily trans f?rrea as a Gooernnietit bond.-Boston, Mass., J'ost, 18G'J. A policy in the Brooklyn Lite ia worth so much m roady money. Thia is the only Ufo com? pany that has carried this excellent feature into business. IDispatch, St. Louis, Mo., January 7,1869. We oall eapooial attontiop to thia distinctive ami .vdv*ntag'>on?3 feature of "uwrsnteed sur? render value, particularly characteristic of tho Brooklyn Life. And also to tho fact that there arc no olaeses in tho Brooklyn Lifo; all faro aliko, whether from the North, South, East or West. Also, wo direct the attention of tho pablio to tho fact that policiea can ho obtained in this Company, owing to its careful management and superior advantages, at lower rates than in any other company of equal rauk and solvency in Amerioa. BAOON & BUTLER, Ooneral Agents. Office above Dr. Fisher's Drug Storo, Columbia, S. C., and at Edgefield Court House. Reliable agenta wanted in every town and County in tho State, and also in tho city of Au gnata, to whom liberal commiaaiona will bo paid. Nov J Y E L L 0_W_ L I N E ! FAST FREIGHTS TO AND FROM NORTHERS CITIES, Via Charlotte, Colombia and Augusta Railroad, North Garolina Eailroad Haleigh and Gaston Railroad, Seaboard and Roanoke Eailroad, 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 aa the YELLOW LINE, will put in opera? tion, on tho 4thof Septembor, a FAST TH ROUGH FREIGHT SCHEDULE between Columbia and Augusta and the above-named Northern cities. Tho attention of Bhippers and icceivcra of freight ia called to the following advan? tages offered by the line: It ia almost entirely an inland route, by which rates of insurance and risks of delay from bad weather are greatly reduced. There ia no diayago, and no transfera, exceptunder cover. uaiiy Steamers will run between Portsmouth and Baltimore, Philadelphia and New York, and freighta will havo prompt despatch. Ratea and classifications the same aa by other routes. Through billa of lading given and claims promptly adjusted, mw RAVE GOODS MARKED "VIA YELLOW LINE." -?? For further information, apply to E. F. ALEXANDER, Superintendent Charlotte, Columbia and Augusta Railroad. E. B. DOBBRY, General Freight and Ticket Agent. Sept 3 Du! mm moil! THE BEST IN THE MARKET; CHOICE and select FAMILY GROCERIES, full assortment of Bugara, Coffees-Rio, -lava and Laguayra; Teas of all kinda; Chocolates, Broma, Spices, Pickles, Bane?a and Tablo Dressings of al) kinds and drs< nptii ns, Chet sc- Sap-Sago, Factory, Pine? apple and others. A tull Ht < k < ) tht 1 ( ht hi ure's of FAMILY FLOUR, In barrels and packages, ri nsf si mg in part of Nonpareil, Madison and Highland. Al?o, C??uic??, Pear! Grist, Hominy, Corn, etc; Table and Liverpool Salt, Biscuit and Crackers of all kinds, Eng? lish and American. Potatoes, Oniona and other Vegetables constantly on band to supply retail trade. A full supply of all kinds of EANCY SOAPS, including Colgate's beat toilet, and th tt for dornest ic purposes. Canned Goods of every description. Jellies and PreoorveB, best family Putter, Lard, Molasses of all gradea, Meats, Hame. Dried Beef, Tongnea, Bacon Strip?, Bellies and Sides. Also, a full assorlnu ni of TISH, including lust No. 1 and Meas Mackerel, and Smoked and Pickled Salmi ii, eic. 1 m tu ular aft? ut ii n is invited toourfull stock of LIQUORS Embracing the best brands, foreign and domestic, to be found in the market; CHAMPAGNES of al) popular brands; (sherries, Madeira, Port and Catawba Wines of al) kinds, and Bittere of every grade. Aleo, Fngliah, Scotch and Bremen ALES, or the following branda: MoEwan's, Muir A Bona', Youngcr'e, etc, etc.! Especial attention is called to our MONOGRAM and other) WHISKEYS, the beat in the market for family nee or medicinal purposes. Also, to onr BRANDIES, inolnding the best Hivcrt Pellevoiaon, Larroude Free. Cognac, vintage of 1805. Also, GINS, Palmetto and Swan brands. All imported and warranted 8ood. Also, we have cn hand a full stock of choice CI o A Its and HEWING TOBACCO, Sag i ry's Fine Cul, ftc. A stock of BAGGING aad COTTON TIES, Mid other articles for plantation nee. In fact, everything needed orto bo found in a first class Grocery Store, and at prlcca to suit the tinn s. * Wo warrant our goods first class, and invite an inipection of them. HARDY SOLOMON, Oot 6 Columbia Hotel Block. 8. i ii Is tba place -whore yon can bay The Best and the Cheapest U !.?' CLOTHING AND GENTS' FDBNlSIBNfl GOODS. WE are now prepared to exhibit one of the moat choice and eeleot Stocka ever offered lo thia market, and At Astonishing Low Prices. Our motto ia "QUICK SALES AND SMALL PROFITS." ' < , Oct 8 ?-?- - ?-1_ ' Drawing Postponed from October 1, 1871, to "January 1,1878. Tn Consequence of thc Fever la Charleston, B. C. - $600,000 to be ai ven Away! The South Carolina Land and Immigration Association, BUTLER, CHADWICK, GARY & CO., AGENTS, .. UNDER the auepicea of the "South Carolina t? tato Agricultural and Mechanical 8001047," will give a series of CONCERTS, at the Academy of Music, Charleston, S.O., commenc? ing January 8. 1672. Refera to all the hankers, brokera and prominent gentlemen of the country, both North and Booth. 150,000 Season Tickets of Admission, at $5 Each. If you have not received a circular, Bend for one, giving fall particulars. All orders strictly confidential. 2,405 Gilts. Amounting in all to $500,000. Tho drawing of thia great Southern intel price will be conducted ander the supervision of the following well known gentlenx n: Gen. A. R. Wiight. of Georgia; Gen. Bradley T. John? son, of Virginia: Col. li. ll. Rutledge, of Sooth Carolina; Eon.Roger APryor, of New York. Money for Tickets can bo bent either by Excrete or Post Cfflce Order, and the Tickets will bo promptly forwarded. ??-Direct all letters to BUTLER. CHADWICK, GABT ft CO., Principal < fUce, Charleeton, 8. G. Charleston, 8. C. OBX. M. C. BUIX?K. JOHN CHADWICK. GEH. M. W. GABT. Oct 1 , 8mo "GRAND PRIZE DISTRIBUTION ! fJUCKETB to thoConcertBof tho SOUTH CAROLINA LAND AND IMMIGRATION ASSO= CIATION ready for sale and delivery. All orders from the country promptly filled. Agenta wanted for tho Counties of Lancaster, Lexington, Spartanburg, Greenville, Abbeville, Oco nee and Pickens. Apply to D. GAMBBILL A GO., J une 6 General Agents, Columbia, 8. 0. THE UNIVERSAL UFE iiHuinJHsSknniiT! LIBERTY STREET, ^Sfe^S^^^K^^^ NEW YORK. The Original Stock Life Insurance Company of the United States. OFFICERS: WILLIAM WALKER, President. HENRY J. FURBER, Vice-FreBident. JOHN H. BEWLEY, Secretary. GEORGE L. MONTAGUE, Actuary. E. W. LAMBERT. M. D.. Medical Examiner. THIS COMPANY offers the following IMPORTANT ADVANTAGES to those abont EFFECTING INSURANCE ON THEIR LIVES: 1. Insurance at Stock Rates, being from 20 to SO per cont, leas than the rate* charged hy mutual companies. 2. Each Policy-bolder is regarded as a Stockholder to the extent of one Annual Premium on hie Polioy, and will abare in the Profits of the Company to the same extent as a Stock? bolder owning an equal amount of the Capital Stock. 3. Every Policy Issued by the Company ia non-forfeitable, aud contains a le?anse stating its ex?ct Surrender Value. Be/ore Insuring your Life or accepting the Agency of any Company, ItKADTHB FOLLOWIBOi A lengthened experience baa demonstrated that the rates of premium ordinarily charged by lifo insurance companies are from twenty-five to thirty per oent. in excess of what are ne? cessary for a safe sod legitimate conduct of the bnainesa. In other words, carefully and prudently-managed companies charging "mutual" rates have been able to return to their policy-holders from 25 to SO per cent, of the amount charged for premiums. When life insurance compauiea were first organised, reliability of the data upon which pre? miums were constructed bad not undergone test of experience. It waa thonght, therefore,no more than common prudence to adopt a seale of premiums which would, in any event, meet all the presumed and unforeseen contingencies of the bnainees. As long aa tho matter was involved in some doubt, it was better to fix the rate too high than to incur the risk of mak? ing it too low; bi <meo in the former case, tho error could be easily remedied, at least ia part, by returning to the policy-holders, at certain intervals, euch portion of the premium charged as waa found necesaary for the pnrpopea of the bnainesa ana the complete security of the company. Experience, however, liaving eatiefactoiily demonstrated that these ratee aro excessive, what possible excuse can there be for maintaining them? Availing themselves of this experience, the Directora and Managera of the Universal Life Insurance Company, at its organization, adopt ? d a ?cale of premiums in accord acne there? with, and which has provea to be fair and adequate, and all that was noceesary to meet the requirement? of tho business. These premiums are about twenty-five per cent, lower than those charge by mutual companeia. It aleo appeared, inaemnch as the rstefl so eatabllnhed were as near as oould possibly be determined fair rates, and not in excess of what insurance bas previously coHt the policy-holders in mutual companies, that any profits arising from prudent management Jnatiy and properly ?eiunge? tc thc stockholders of the coropany, for the risk incurred by them in undertaking the bnainesa. Experience has shown that there are sources of profit in the practice of the business which theory will not admit of being considered aa element, in the calculation of the premiums. Theae results form a saving in the mortality of the member, of a company owing to the Me? dical selection of good lives, a gain in interest on the Investments of the company over that assumed in tho calculation of its premiums, the profits derivable from the lapsing and sur? render of policies by the members, and from other minor source a. Profit, from these sources, in a company possessed of a capita1 of $200,000, and doing a fair amount of business, would give to tho stockholders dividends largely in excess of what were counted on by the Directore of the Universal at the timo of ita organisation. They have, therefore, determined to divide among the policy-holders of the company a large part of the profits accruing from the sources named, ah of which have heretofore been divided among the stockholders.. Tho plan adopted for auch division is as follows: Every person wbo m.y hereafter Insure with tho Universal will, for tho purposes of division, be treated aa a stockholder to extent of one annual premium upon bia policy; and will ?hare in the profits of the company to precise!* same extent as a stockholder owning an eqnal amount of the capital stock. By this ayatem of inauranco, original with the Universal, the policy-holder secares the fol? lowing important advantages: 1. Insuranoe at tho regalar "stock" rates, requiring a primary outlay of about twenty thirty per cont, loas than that charged by mutual compauiea, ano which is equivalent to yeariv "dividend" paid in ?dvancs of that amount on mutual rates. Thia low cost of inaur? anco is worthy of attention. Since its organisation, this company bas received in preaihuaft from its policy-holders the asm of tl,517,000. Tc effect 4M? ..?? amount of insurance ie a mutual company would have cott them an initial outlay of M 000.000. By allowing ita polier* holders to retain, in their own possession, thia excess of 1488,000. the Universal has virtually paid them a "dividend" of (483,000. and paid lt, too, in advance, instead of st the end of one or more years. It ia impossible to find any example cf a mutual company furnishing insur? ance at eo low a cost by returning to polioy-bolders an equal amount upon similar receipU. 2. Participation In the legitimate profits of the company, opon ? plan which setmrewio the policy-holders the same treatment whioh directors and stockholder, award to themselves. This system cf participation, in connection ?Hb the low "stock" rates of premiums, mast necessarily eeonre to the policy-holders every possible advantage to be derived from prudent and careful management. The low rates ofWeminm compel economy, and, independent of participation, gu?rante, to the policy-holder hia insurance at a rate wbicb is not in exceaaof the oost in well managed mutual companies: while, by the proposed plsn ot participation in what may be considered tho legitimate profits of the business, the oost will bo still farther diminished. ibus by the combined advantages arising from low stock rate and participation in profits, it is coull.lent ly believed the UNIVERSAL LIFE INSURANCE COMPANY offers insurance at its loweat practicable coat. Those of the existing policy-hcldera who desire to participate in tho profits under the new plan oan do so by making application to the head office, or to any agents of the company. Tho company is in a sound financial condition. Ratio of assets to liabilities 136 to 100. S9-GOOD RELIABLE AGENTS WANTED, who will deal direct with the New York office, and to whom fuii general ageots' commissions will bs paid. M. XV. GARV and M. C. BOTLBR, State Superintendente of Agencies OQico on Richardson street, oppoeite Columbia Uotol, Columbia. 8. C. Sept