The herald and news. (Newberry S.C.) 1903-1937, August 04, 1916, Page THREE, Image 3
f Gov. Manning
On Insu
i' \ \ ?i. ? * 1 < ^: : I <' > i >'
Take Sas.-jcv: la a;;u -Vja-u* ;;
' i ?2' TV'iUli ! *-' ii ' ? > lit' i'rv< .?>
A<*t> So i hat i ' ('_> \;iii .'ii'i'i ;i?t'
Keijiiircineat - ci *iie insuring i'uoiir
in Souui < arolina.
<TI." following letier from (Governor
I Manning to Mr. James A. Cofield, a
loading insurance man of Spartanburg,
I
was given to the Spartanburg Herald
by Mr. Cofield for publication and appeared
in the Herald of last Friday.)
Mr. Oas. A. Cofield, Spartanburg, S.
IC.?Dear Sir: In reply to your inquiry
about the fire insurance situation of
South Carolina and my attitude in
respeci to same, beg to advise that
prior to the convening of the last legislature
we heard quite a lot of dis
cussion reiauve 10 ine nre msurauce
rates in South Carolina. During the
t session of the general assembly this
discussion took the form of bills introduced
in the house and senate. It
was claimed by a great many perpl^
that fire insurance rates in South Carolina
were excessive and that discrimination
was practiced. The cause of
this alleged discrimination and excessive
rates was said to have been because
of an alleged combination
among the companies selling this pro
I tection, and that this combination had
entered into a cam pact to control the
fire insurance business in South Carolina.
These discussions and statements
resulted in the passage by the
legislature of what is known as the
Laney-Odom anti-compact law. The
journal of the house shows that this
biil passed the house by a vote of 57
to 31; and in the sena.ce on final passage
the vote, according to the senI
ate journal, was 33 to 3. This bill was
i then rent to me for approval.
Given a Hearing,
Having been requested by interested
pasties thta they be given an opportunity
to present arguments for
and against the approval of this act, I
fixed a date for this hearing. Quite a
number of gentlemen interested in the
insurance business appeared zt my
office and presented their arguments
against the approval of the act. On
the other hand, the insurance commissioner,
who is especially charged
with the conduct of the insurance department
of the state, presented arguments
favoring the approval of the
(act. I listened to all arguments with
an open mind. I learned that practically
the same arguments presented to
me agamst the approval of this act
had been previously presented to the
, members of the legislative committees
before its passage. It was stated that
in case the act was approved, it ?:as
generally believed that the companies
> would withdraw from the state. The
& insurance commissioner gave it as his
< i inion that this would not happer,
r tut in case the companies did withdraw
he thought that other companies
could be induced to enter the state for
business and that there would be no
serious interruption along this line. I
did not deem it my duty to decide
whether or not the companies would
1 withdraw. The only question before
mo wae whether nr not some valid !
reason for disapproval had been pre|
sente 1 to me that was not known at
| the tiT>.e the act was passed. The legislative
department enacted the law,
r.nd unless it could be clearly shown
that the act was unconstitutional be:
yond any question or that the members
cf the general assembly were not
r in possession of the facts that were
presented to me, it was clearly my
duty to accept the judgment of the j
large majority of the members of the
general assembly and sign the act. * !
i . i
I did not deem the arguments
against the approval of this act of
> such nature and strength as to convince
me that it would be improper
for me to sign the same.
His Idea of Veto Power.
I do not deem it proper for the gov,
ernor to refuse to approve an act beI
cause of his personal opinion as to
wisdom The governor should have
I due regard for the wisdom and action
of the people's representatives in the
f general assembly, and regardless of
what might have been my personal,
feelings to influence me in the performance
of my official duty.
Since the approval of this act, I
1 have found that the predictions of a
numler of people that the companies
woild withdraw have proven correct.
Pract cally all of the fire insurance
companies have withdrawn from the
& state. Only a small percentage reI
mining and renewing their licenses,
| I recognize the fact that the agents of
these companies that have withdrawn
are suffering financial loss by reason
of the fact that their business has
been disorganized. I realize further
that uossibly others kave been embarm
rassed finan "lally by reason of the fact
L
s Views
ranee Situaiicii
i.-Ui I J v i: c;i
:.'' llC "1 -a.'.'"-' i I .
'J'iiiJkN i:ii i. t i , .
Sol.:.' tinie v. - o. v. iiile i?*: ..
Icn i)'. . !: ! bu iness> in connection
!li' vv; ; (a ;art:.icn!. a i f: n
I
| wi:om i khc.v pei.sonall/ stated ihat
I
| he Vvo;:M gladly arrant' a cor.:'er
once willi the o'iicials of some of tlie
larger lire insurance companies in
Xew York, and I requested him to do
; so. I then went to Xew York from
! Washington and conferred with these
gentlemen in reference to the situation.
I found these gentlemen very
frank and courteous in discussing this
matter. I found that they felt that
as a business proposition they could
' not continue to do business in South
| Carolina under the present law. There
j seemed to be no disposition on their
I Dart to ounisk the people of our state,
and they were very frank to say that,
l
while their business had not been
profitable, yet from th > standpoint of
sentiment they disliked to break their
agency connections, practically all of
which had been personally pleasant.
As an evidence of the fact that they
did not wish to punish our people, they
stated that they would not exercise
their right to cancel the policies that
were written and in force before their
withdrawal.
Has Plan In Mind.
i
My position has been that, inasmuch
as there is so much complaint as to
rate making, it would be but a proper
step for the state to maintain a fire
insurance rate making bureau. I have
carefully worked out a plan along this
line. As a matter of fact, the insurance
laws of South Carolina should be
completely revised and brought up to
the requirements of modern busiues?
life. In recent years other states have
. given great thought and study to these
I questions, and have revised their infsurance
laws in such manner that the'
companies and the insured are given
full protection under the law, and all
parties look upon the matter as strictly
a business proposition. This is as
It should be. fire insurance is a business
matter. A company sells indemnity
against loss, and should charge
! therefor such price or rate as is equitable
and just I am unalterably' opposed
to any combination in restraint
; of trade or compact to control the price
I of any commodity upon which the pub|
lie is dependent Fire insurance rates
!should be in accordance with the!
I
!losses and expenses incurred, together]
with a reasonable profit on the investment
by the stockholders, at the same
| time laying aside a reasonable amount
to provide for conflagrations.
We have learned that drastic legislation
will not accomplish good results
unless such legislation takes in!
to consideration sound business principles
upon which a business should
be conducted. I favor laws that will
prevent combinations or compacts. A
state rating bureau properly conducted
by competent business men will
solve this problem. The insurance
'companies will in my judgment be
glad 10 return to the state under such
a bureau. When the insurance laws
of South Carolina are revised, I suggest
that the recently revised laws of
jNew v0rk, Pennsylvania and Kentucky
might be used as models on
which our laws could be based. The
fso-ealied valued policy law now on
"
| the statute books of South Carolina is
jin my judgment an incentive to ineendiarism
and ^ protection to the
(dishonest man. This law should be
; repealed promptly and I shall so recI
ommend.
Reduce Fire Loss.
One
of the greatest problems before
the DeoDle of South Carolina today is
'not so much the securing of insurance
as is the reduction of the fire
i losses in the state. Fire waste in
; South Carolina has been greatly increased
year by year. This can be
remedied by the exercise on the y-art
of our citizens of more care, and more
I rigid inspection by the firemen. The
j exercise of ordinary care will tirevent
serious fire losses. It is so much
easier to prevent n fire than to extinguish
one after it is begun. Prop|
erty that is burned is forever gone,
j and the insurance collected does not
j replace the property, but is merely
the contributions from others who
have not sustained losses.
I expect to hold another conference
with the insurance officials the latter
part of September, and after this-'
.conference I hope to have definite in-t
formation as to the attitude of the j
companies.
Of course, insurance legislation,
lib-a oil nfViciT* locialoHve matters, must
jllXXVW Mil VV/UVJL J
be handled by the members of the
general assembly.
I can make no promises as to
what action the next general assembly
will take in reference to these:
matters. I
But I shall, of course, make such
recommendations as in my judgment
iiUQRiiMn saycn
!j a *3 0 6 8 I i ^ 0 5 S (! t.- ? /
fljp^ f. ?5P<!?
: ) f :r?i '
v j. s. u i~\
g, ^ j .1 ^ . r'???
l-i *" ' '' ..." . ,"*'wiia
s ?. ^ ... - _ " ?* - >
ti jp> -rt If vy q l/ - i
bia Compound.
Pcniscn. Ttxas. ? *'After my little :
girl was born two years ago I began suf- <
?. 11.i n11{111ij; mH11 |^'erin?c with female <
trouble and could
! hardly do my work, i,
i flgHfy ''$0* I was veiy nervous
I lip^ p&W but just kept drag- j(
K " LMf ging on until last'!
j 'L summer when I got!
where I could not do i i
1 my work. I would j
! M have a chill every !.
, day and hot flashes i
''x i and dizzy spells and ' <
1 my head would al- ;
most burst I got where I was almost
a walking skeleton and life was a burden1
to me until one day my husband's step!
sister told my husband if he did not do
something for me I would not last long
and told him to get your medicine. So he <
got Lydia E. Pinkham's Vegetable Com- :
pound for me, and after taking the first
three doses I began to improve. I continued
its use, and I have never had any
female trouble since. I feel that I owe j
??- J I
my me to you aiiu your xciucuicb.
did for me what doctors could not do
and I will alway3 praise it wherever I
go."?Mrs. G. 0. Lowery, 419 W.Mon- j
terey Street, Denison, Texas.
If you are suffering from any form of j
female ills, get a bottle of Lydia E.!
Pinkham's Vegetable Compound, and
commence the treatment without delay.
* ?j
A ? *"?> *r CinTT-BilMTr n ^ j
t> lAfflrAiw ?tnm/uLi!( ^
?
Georgetown, Friday, August 4.
j Kingstree, Saturday, August 5. ,
Florence, Tuesday, August 8.
Marion, Wednesday, August 9.
Conway, Thursday, lA-ugust 10.
Dillon, Friday, August 11.
Darlington, Saturday, August 12.
Bishopville, Tuesday, August 15.
Bennettsville, Wednesday, Aug. 16.
Chesterfield, Thursday, August 17.
r*omrion TJVMav Anemst. 1R_
Lancaster, Saturday, August 19.
Union, Tuesday, August 22.
Gaffney, Wednesday, August 23.
York, Thursday, August 24.
Chester, Friday, August 25.
Winnshoro. Saturday. August 26.
/ A WOMAtfPS BACK
Many a woman's 'back has many
aches and pains.
Ofttimes 'tis the kidney's fault.
rW<l A ? ".< TT?Alrt /\-n? "Di 11 r? O
i'lrai s way iwaiu e xviuucjr x mo
so effective.
Many .Newberry women know this.
Read what one has to say about it:
Mrs. B. F. Cannon, 1902 Harper St.,
Newberry, says: l'I suffered terribly
from kidney ailments. I had su-ch terrible
pains in the small of my back,;
that I couldn't turn over in bed and j
many frights I didn't get any rest at:
all. I was nervous and out of sorts.
The kidney secretions were unnatural
and caused me a lot of annoyance. I
Anally got Doan's Kidney mis irom |
Gilder & iW'eeks' Drug store, and one
box fixed me up in good shape."
50c, at all deklers. Foster-Milburn
Co., Props., Buffalo, N. Y.
We the undersigned will furnisn
up to date cue at the old Melvin
Pineiey place known as Jolly Street,
on the 16th day of August. There
will D dancing aua an auiuacuicuw
for the you ig folk. And especially
the chairman and his candidates
are in\ite<i to be present on that
day. Caldwell Ruff and H. . F.
Counts.
DO YOU
HAVE SICK
HEADACHE
(Who of us does not suffer at times I
from this awful pain? All are sub- R
ject to it?a disordered stomach,
^ inactive liver, constipation are j
[ causes. But headaches are mere j
I warnings of something more se- J
* rious. Heed the warning, take
I Dr. THACHER'S J
I Liver and Blood |
I Syrup |
I and head off the more serious ail
Iv ments. This preparation positive- k
ly relieves all perils of constipa- g
tion and its kindred disorders, and ^
restores the system to its normal k
fc condition?gently but thoroughly. I
| Get a bott!? today. Two sizes, 50c ^
u and $1. All dealers.
are proper, and will lead to a satisfactory
settlement of the difficulty. I
believe that my recommendations will
bring results.
Yours very t.'uly,
Richard I. Manning, Governor.
A
U\ <;K PKOPKKTY LOSS
All Kii i'Xl'LOSiO.NS
< ]' Can N <?i
f ; : . .' .! J iiiil \> orkru<-Ji
I !: < I I j>.
. -:i<y Si ss
. i... ';i . ;.?!?> v\- cm.-, .1
jarly today by a series <>l terrific explosions
of ammunition awaiting Sshipiiie;jt
to the entente ^ 11i? s and stored
in Black Torn island, a sm ;!I stri;)
ji 'and jutting into Xew York bay off
lersev C'i;v. The lo:s of life still was
*
[)robleni:itie.il toni.qht. It will not be
determined definitely until there lias |
been opportunity to check up the!
workmen employed on the island and
pn boats nearby.
Two are known to be dead and at
[east two piore are missing. Scores i
di persons were injured, some of them
probably mortally.
The detonations, which were felt in
five States, began with a continuous
rapid fire of great shells, then u.v
blowing up of great quantities
dynamite, trinitol tunine and other |
high explosives, followed by the burst-!
ing of thousands of shrapnel shells
which showered the surrounding country
and waters for miles around.
Big Warehonses Go.
inre Ciiat startea soon arxer trie
first greU crash destroyed 13 of the
huge warehouses of the National Storage
company on Black Tom island,
in which were stored merchandise
valued between $12,000,000 and $15,000,000.
The flames, shooting into the
clouds, were reflected against 'New
York's "skyline" of towering office
buildings, which for a few moments
were shaken to their foundations as if
by an earthquake. I.VIiles of streets in
Manhattan were strewn with broken
glass and shattered signs.
Early reports of heavy loss of life
were impossible of verification and
the authorities asserted the number
of deaths probably would 'be small. It
was said that owing to the extent of
the wreckage it might be several days
before the exact figures could be obtained.
The cause of the disaster had not
been determined tonight. Officials ot
the National Storage company and
the Lehigh iValley railway, which also
anfforort hoa.vHv thpAHS'h lOSS of
property, declared that reports to
them showed a fire started shortly after
1 o'clock this morning on a barge
belonging to an independent towing
company that had' been moored alongside
a dock used by the railroad to
transfer ammunition shipments from
trains to vessels in the 'harbor. \
\
The barge, it was said, was there
without authority either of Che rail
road or the storage company. The
officials refused to disclose the name
of the independent towing company,
saying they were investigating "to ascertain
whether the tnrge purposely
had been set on lire as the result of
a plot."
isa
^ - 11 ^ - ? ? /1-. - . M I II AAWO /vf f h J
laaii oiunes, Vya-n^ci ami. uiv,cio vi
Stomacn and Intestines, 'Auto-Intoxication,
Yellow Jaundice, Ap-pendicitis
and other fatal ailments result from
Stomaih Trouble. Thousands of Stomach
Sufferers owe their complete recovery
to Mayr'a Wonderful Remedy
Unlike any other for Stomach Ailments.
For sale by Gilder & Week3
and druggists everywhere.
NEWBERRY ASTONISHED BY SIMPLE
MIXTURE
Newberry people are astonished at
^ T\TOT * \TT on4-i/\r> cim rvlo Hllplr
| LiiC i.NOI^U C*\sCAi/u. v/i
thorn bark glycerine, etc., as mixed
in Adler-i-ka. ONE SPOONFUL removes
such surprising foul matter it
relieves almost ANY CASE constipation,
sour stomach or gag. Because
Adler-i-ka acts 011 BOT'H lower and
ujiper bowel, a few doses often re|
lieve or prevent appendicitis. A short
j treatment helps chronic stomach
j trouble. Gilder & Weeks, Co.^ druggists.
i
Good Looks are Easy
i MagnoKaJSir
! Ralm. WwE?
Look as good as your city cousins. Nc
matter if you do Tan or Freckle Magnolic
Balm will surely clear your skin instantly,
Heals Sunburn, too. Just put a little or
your face and rub it off again before dry
Simple and sure to please. Try a bottle
to-day and begin the improvement al
i once. White, Pink and Rose-Red Colors
75 cent3 at Druggists or by mail diredt
SAMPLE FREE.
LYON MFG. CO.. 40 So. 5tli St., Brooklyn. N.Y
Mi i.UY.S OPK>n KiClIT 11
i ok i n 1; v
I)e\<?ir. ili-? Npi'r?*ii i.:ir'-:c!v t<> !
, :'xi? :::? ( tiurse, Which ;
i11' SJvicis .srrics ai iiltKj.iiTS.
y . . ...
? '..os ron:ziit rutin. ! in his speech
. acceptance of th?; Republican noni- <]
tl:-- issues upon whicli lie will [
ch'iucr lis campaign lor the presi- r
tii.-ncy. He assailed the administration ?
'or the course it iia^ pursued with ret- i
erence to Mexico, niainten nice ot c
American rights during the FJuropean <i
war, preparedness and other great c
questions of the day. He declared for ; <j
a policy of "firmness and consistency" i
towards Mexico, for "the unflinching ! t
maintenance of all American rights on t
land and sen." and for "adequate n&-! t
tional defense; adequate protection U
on both our Western and Eastern <
coasts.'' i
'H\1e denounce ia.ll plots and conspiracies
in the interest of any foreign
nation," Mr. Hughes said. "Ut
terly intolerant is the use of our soil ]
for alien intrigues. Every American I
must unreservedly condemn them and :
support every effort for their suppres- i
sion." (
The nominee assailed the adminis- :
tration for its "direction of diplomatic
intercourse" from the beginning, de- j'
! claring that where there should have
been conspicuous strength and expertness
there had been weakness and 1
inexpertness. He cited San Domingo 1
as an instance where appointments
had gone to "deserving Democrats" i
and to the failure to continue Ambas- !
sador Herrick at his post in Paris <
after the war had started as a "lam- ]
entable sacrifice of international re- i
pute." 1
For Woman Suffrage.
"I endorse the declaration in the '
platform in favor of woman suffrage," !
Mr. Hughes declared. And he added: /\
"Opposition may delay, but in my j
judgment can not defeat this more- 1
ment. ... I favor the vote foi <
women." i
One-'ourth of the speech was devoted
to Mexico. Step after step
taken by the administration with reference
to Mexico was assailed from 1
the days of Huerta to the note sent 1
the de facto government by the state 1
department June 20, last, part of J
which was quoted in the speech. The j1
seizure of Vera Cruz, the nominee
said, was war, of course."
"Later we retired from Vera Cruz,"
v/e continued, "giving up this noble .
warfare. We are now informed that j
we did not go to Vera Cruz to rorce j
Huerta to salute the flag. We are j
told that we went there to show Mexi- j
co that we were in earnest in our de- !
mancr tn^.c wueria musi 501
America, Mr. Hughes continued, had j
no policy of aggression towards Mex- |
ico, no desire for any part of her ter- {
ritory, but wished her to have peace, j
stability and prosperity.
Will He Have To?
j
"The conduct of the administration '
has created difficulties we shall have
to surmount,v -he said. "We demand ?
from 'Mexico the protection of the i
lives and property of our citizens and
the security of our border from depre- ;
dafions."
Safeguarding American rights i
abroad had not been accomplished,
Mr. Hughes said, by the administration.
There had been "brave words
in a series of notes," but "what does
it avail to use some of the strongest
words known to diplomacy if ambassadors
can receive the impression that
the words are not to be taken seriously?"
The nominee reiterated his declaraI
To The
i
j
Let me urge
L
wheat before yoi
i There is no dry
not been sunned
i
i
and then blame i
i
you good work.
: FARMERS
B
J. H. WICKE
I
j
1
ion tha: had this government left no
;< ii>t mat it meant to .loi-.i Germany
. rict accountability" there would
ive x cn !u> loss oi liiti on t.io JLusi?
ania.
.Mi', ii::tclies
!:i U . ;arent :.io I'niied
i!*i- > . .-'lockinffly ;;ui spared."
"The a.i:.ii .siration !;as failed to
. ^
li.-.cka: it.- responsibilities.'' Mr.
iutiles cci. i:nied. "A. : arently it
low is seeking to meet political exi;encies
by its nav.nl programme. But
i has imposed on the country an inompetent
naval administration. We
leinand adequate protection on both.
>ur Western and Eastern coasts. We
iemand thoroughness and efficiency
n both arms of the service. It seems
o be plain that our regular army is
fin etna 11 IVo orfl fnn <rr??f a ennn_
ry to require of our citizens who are
' ^
mgaged in peaceful vocations the sort
>f military service to which they are
low called." i
The Leaden Lining.
'
Of the present prosperity, Mr.
Hughes said: "We are living in a fools
paradise." It is, he said, "a Prosperity
brought about by the abnormal
conditions of war. For the protection
of the industries and working men of
the United States against the conirpetition
of "an energized Europe,"
Mr. Hughes said, it was plain that
"we must have protective, upbuilding
politicies." Other measures, too,
should be applied, he said, notably the
upbuilding of a merchant marine.
i I ' -r-j
"To make peace lasting and effective
when the present war shall end,"
Mr Wne'hps advocated the formation.
of aii international tribunal to dis- '
pose of controversies of a justificaWe
3ort, backed by the cooperation of
Lhe nations.
Mr. Hughes also declared for the
'conservation of the just interests of
labor," for conservation of national
resources and for a national budget.
"Our opponents promise economy,
i>ut they have shown a reckless ex:rav.agance.
It is time we had fiscal
reform." .
Cheered by Crowd.
IMr. Hughes closed with an indorse??
^ OA^M.VtiAnn On/1
IllVUt U1 I'ltc ncpuuuvftu t?uu
i formal acceptance of the nomination.
The large audience which
trowded Carnegie hall cheered for
several minutes when $Lr. Hughes ai>peared
shortly after 8 o'clock.
The nominee, recognizing Theodore
Roosevelt in one of the boxes, waved
to him and Col. Roosevelt clapped his
hands in acknowledgment.
Senator Harding of Ohio, chairman
of the notification committee, was
cheered at every reference to the
name of the nominee and a. Republican
victory in 'November. When he
had finished the band played and the
crowd arose and cheered again.
<$>
? ARE YOU <?
<S> CONTINUALLY BUYING ^ "
* LAUNDRY SOAP?
Sometimes laundry soap bills seem
higher than they should. Perhaps the
housewife has forgotten tlie great
soap saver?borax.
Borax cuts down soap bills one
half?makes your wasnmg easier?
makes your clothes cleaner.
Use borax whenever you use soap.
It pays!
"20 Mule Team Borax Soap Chips"
at 25c will do mere cleaning than
50c worth of bar soap or washing
powders.
1
Public
you to sun your
i take it to mill.
1? ? ? li M l? 0% 0
Wfieai lliai iiaa j
. Do your part
ne if I do not do
Ml Mill
UlLi ifllljlj
IRj Manager
?
a i.