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BI( N"7 TELEPI 4 ies DiE IW N s Om APELT EH, , 5 TPELI da PRoP,195. ASWERS WRITWS CHARGES. -of 3ino. L. McLaurin, Sto Warehouse Commissioner,. ,C (1lum~bia, July.7, 1945. the farmers of South Caro nali-My attention has beacalled to the following ar - h1~puilhed in "The Insur ~aoPleld" of July 1st:1 - ."ew 'York, July 1.-(Spec ~M)A most peculiar state of case bas developed in connec Stoawith-the insurance on the ~-~oiwarehouse maintained by bheState of South .Carolina. It' >wiufbe recalled that the South ktr Uunderwriters' Associa tiurecently issued notice that te10 per cent reduction on sarehbouyes under the supervis ~ oofthe State was being abcs ~>ed in that in a number of cases barns and tarm buildings in the ~1 country disticts without any di -rect-supervision were being giv ~ en advantage of this reduction. SCompanies were accordingly ad Mised that-the reduction was tot ~apply lonly to warehouses in1 cities and towns under direct 1 (' supervision of the State Ware -bouse Commission. "The peculiar feature of the t situation is that politics has t beeninjetedwith the resultt mission is reported to have turn-C ed the business over to a firm of -New York brokers to place at ai rate of 1 1-4 per cent in author *ized companies. It is regarded as astonishing that a State with saich'an active insurance depart ment should be a party to such Silegal insurance. ~ The South Carolina legisla ture at a special session last E D IOE16 *-. ag 'aed,saifcoyng c howve, th' tebak d o thedrposleicaeo SoliCrlianutws erb ~ thy etabhenddt hade aond warehouses syseteb srig Iheodetho theisafeould ourb Lethods ofeit itns und ero treard o the ptae reeipt and ileh ancalghe isdated farm Recu York, ith Satser anorb naldrekof haigloe ino Case umSouth Carolina. easrly slyaictendelytonberbanded aro-n inoewrk r C to nueth.tt Thwareuesstaem by follows: 1t. hod otni insur ei aiarsd onth aprbfdrgs not mdiethe spealisionte foh 2nd. Yorhat poliais ever bean ard. ofhavin cme isrmc Cos umiam outhe Caolina broert ~v tatementin absoltl false.a [w'll derftke thow, an iti riis aevidntly toderhdedent hep torigso ciruton in ewu The chsrestr as follondews: prisin and o asbcarefullyo iuadethe auperehoise in the own.e Wrhoe syem.aguae nesytem nt theyseechrgn bress doas een auhalf oer toun tred ocoaniestoei h oEntrh and erone olla andse tty-eents re abotely fstoe. ~ ein aofouthlautorn-this, hen strng costruton n the u ry arehousen the tcton hcnry is asessc udaner, mrd s a wreouse ith oe asily extnuised inaninrate n ourth-class town-ethis, gainst ftre welre eacl nthnn OUR ~ommenced MV It's our. time f coming seasol We are offerir scially on Wot d and half-line Nothin tfamiliar wvith conditions in the -country knows that in case of a ifire all that you have to do is to iblow the horn or ring the plan -tation bell and all thie hands and -the neighbors come, and I don't know in all my experience of a serious cotton loss in the coun try fzom fir, Another thing: Everybody agrees that the moral risk in insurance is one of the heaviest expenses that has to be dealti with. The kind of skunks who burn up their propertly for in-'1 surance do not live on the farms.] They are distinctly a town pro-i duct. During the hard times i lastidall and winter, how many I cotton fires did you hear of in< the country? There was one < night in Columbia when one un occupied house between mid night and day were set on. fire. Of cours~e that may have been a< coincidence, but certainly if such< a thing as that was to ocour in State Warehouses I would make 1 an investigation and never pay a dollar of insurance to anybody 1 until I was satisfied that it was t an honest fire. The moral risk is almost completely eliminatedi under the system of insurance practiced by the State ware- a house. The insurance is in my a name, and if a fire was of sus picious origin the company could pay it over to me, and you can 1 rest assured that I would have i to be satisfied before I paid it out. The trouble with theser people is that the Southeastern i Tariff Association is a complete a monopoly, and they want to x make this country cotton and f other property, in the country c pay a very high rate of insur- i ance in order to give a cheap I rate to those living in the town. I am authorized under the act I to make direct arrangementsc about insurance, and if I were s entirely confined to South Caro- I lina the Southeastern would r have the State Warehouse sys- f tern by the throat, just as it has r all of the other property in the k State. I am heartily in favor of s the proposition made by Mr. t McMaster to drive out of the s State this gang of marauders, a who have exploited without re- s sistance a long suffering public. I They drove the insurance wolves from Texas, and they had to come hat in hand and beg to get back. I think Mr. McMaster un dersands the situation, and I t: CLEAII onday, July 1 Aug or -cleaning o1 ig special ind >1en Suits for dSuits. g Charg m writing this letter in the1 aope of arousing such a. public1 sentiment that the Legislature i will be forced to give them the1 mpport which he deserves. 1 As to the "unauthorized comn panies,'? the certificates .which I Lppend from Mr. McMaster is a] :omplete answer. I haven't got i dollar of insurance in any corn pany not authorized to do busi ess in South Carolina. Further nore, the warehouse system didi 20t get into operation until after i ~he most of the cotton was stored, ~ractically January 1st. The cot- 1 ~on which we have was-all of I t, practically, already insured I >y the Southeastern. If . they sould insure the cotton, why not< >aher companies? We have re- I :eipts showing that the South astern has been insuring..cotton Lt one dollar and. fifty-eight< :ent per hundred since we se-t :ured the reduction.. If- we have iucceeded in breaking into the I ightest monopoly that exists in I south Carolina, to the benefit of I he public, whether they are in t he State warehouse system or iot, 1 think that we are perform- f ng a valuable service to the peo- a le of this State, but I am not c rprised that they spew their I landers and venom on the State s arehouse system.a 2nd. I would like to know <j ow politics has been injected I to the system. Certainly not il y the S:ate Warehouse comn issioner. I am far more deeply t nterested in this system than k ,nybody else on earth. I have t ot and never will use it to b urther any political ambitions t f mine or any one else. In fact. e E I have any political ambitions f am not conscious of them. o here was an effort in the legis- r .ture, by a personal and politi- hi al attack on me, to destroy my tl ystem. This utterly failed, and p have no idea that it will be re- l; ewed, even by the men who a ought us last winter. I know c 2st of them personally and tl ave no bitterness whatever to- is Tards them, because I realize it hat the State warehouse system a as a revolutionary proposition, 11 nd it was not unnatural that it hould be strenuously opposed. a do not propose to renew the e ght, but if 1 arr. attacked I will r efend myself, just as I did last a rinter. Bat somebody else has t ot to hit the first lick, u 3rd. The charge that the u uinoe "has been turnerl oer ' XRA (ANCE 2, 1915, and wi -ust 1st. uit things and uicements in a Men, Boys .ER.C io a firm of New York brokers cc io place at 1-14 rate in utiauthor- I zed companies" 's absolutely cc intrue, and I defy them to name w he firm of brokers. v Every effort has been made by fc hese vampires to find ont how w .was placing this insurance. W: [hat is my business, and 1 do te ot propose to till them. ur Such reckless lies should show air minded men that it is malice, nspired by greed, and worthy S' iaught but contempt. The article makes a statement In hat "the banks do not regard he State Warehouse receipt as H eing altogether satisfactory." n reply, I beg to say that it is si< mly those banks who have not aken the trouble to go into the Ve nerits of the system. When [ da ranted to finance the State re. th eipts I went to banking institu. an ions-not to pawn broker shops. ofl r. W. P. G. Harding, of the va ederal Reserve Board, gave me th etters to six of the New York hoc >anks, in which he commended co be State Warehouse system of bil outh Carolina to follow: "It is as ar in advance of anything yet or ttempted and a model for the yc t~er States to follow." Every in: anker to whom I explained the St ystem gave it his unqualified. pproval, and I have not re- so nested a Joan upon State ware. ing ose receipts wherein a single pa 2stance it has not been granted. pa I have been very patient about de ais matter of insurance and I cet ave wanted to work through to he agents in the various towns, in ecause I know that personally vit ey are an intelligent and a 19: 'ood set of men. But I have ] und it impossible, on account me f the excavations and the ar- the gant methods of the hydro- the eaded monopoly. for whom or 1ey are working. I realize the be ower of the monopoly, purpose- pa: r framed the State Warehouse sui et to escape their greedy ( utches, and I am glad to find I a iat the State of South Carolina to not so entirely enmeshed in Gr ithe galling chains of this ha; bominable trust as to be entire- ant rhelpless. cip The fling made in this article ce~ of SMr. McMaster, our insurance ymmissioner, evidences the ar ing >gant contempt they feel for i L who do not bow in submission eve >their will. I have the power in ader the law to insure in rep-.m able companies when and (Si; hre I plase. Othewise I SALI 11 continue getting in o .11 departme ind Childre .y Cash. LOTI uld not escape their tentacles have not insured in a sing: impany without consultatic ith Mr. McMaster, and to ~ry large extent I have bee: 'lowing his advice. I nope th; hen the legislature meets nem inter it will give *Mr. McMai r support, because I think [2 iderstands the situation. Respecifully, JOHN L. McLAURIN, iate Warehouse Commissioner surance Department of S. 0. Columbjia, S. C., July 7, 1915 on. J. L. McLaurin, State .Warehouse Commis :er, Columbia, S. C. Dear Sir: Refering to our coz rsation over the phone yester ,y it gives me pleasure to sa:, at from timne to time yoursel d representatives of you ice have disc'ussed with mn rious matters connected witl e insurance of the State ware use. You have inquired abou mpanies, their assets and lia ities nnd invariably hav ked whether or not this, thai the other company in whic] u were considering placin; surance was licensed in th< ate. Your department has nevea far as I know proposed piac ? insurance in unlicensed com nies, and certainly it has no1 id or tendered payment to thi, partment of the three pel at tax on premiums requirec be paid on insurance placet unlicensed companies, as pro led in section 20, Act 300, Act 12. [ feel sure that your depart nt would not willingly violati a laws of the State. The fact t you have not paid this ta: tendered payment ot it wil] evidence to me that your de etment had not placed any in ance in unlicensed companies 30mnplying withyour request. m herewith a copy of the bill Dreate a State Life Fund, the anting of Annuties. This bil. ;no reference to fire insur :e but is not distant in prin. le from the method so suc sfully pursued by the State South Carolina in carrying its n insurance on public build Vishing your department ry success in the world and ring to co-operate with you my way possible, I am, Very truly, ~ned) F. H. McMATER, Insurance Commissiner. until rde.I for ~nts, but. ~n, both SUMI ~. We note in Sunday's papers .e that ex-Governor Cole L Blease n is contemplating entering the a race for governor next summer, n he says: "Ins all probability I 1,i will be in the race for Governor :t next summer." Blease has s- caused more strife and turmoil e in South Carolina than any other man since Tiliman's ad ministration, and we had hoped he. after his defeat of last year, .would retire from politics for ever. We are just beginning to ~get over the unpleasant days of -his one sided administration, and for him to enter the race, would mean bitterness, turmoil and .- strife again, which we had -hoped would never arise again V in this State. He may run, but we don't believe he can "come rback." r!Piles Curedin 6 to14 Days IYour druggist will refund money if PAZO OINTENT ailsto cure any case of Itching, The rst aplication gives Rase and Rest. 50e. Unofficial The primary eles terday to fill the r the State Senate,< of the late Sena There were 1477 Rant was elected ponents. Wideman majority of 273. PRECINCTS. Clarendon......... Manning.......... Alcolu....... .... Bloomville.,.... Cross Roads..... Davis Station.... Douglas.......... Foreston .......... Foreston Reform.... Gibbon's Mill...... Harmony.......... Jordan......... ... Fork.............. Midway........... Manning Farmers' P New Zion.......... Paxville ..... ..... Pinewcod ......... Summerton ......... Silver.............. Seloc. .. .......... Sardinia ........... Sandy Grove........ Panola....... ..... Doctor Swamp... Oakdale.. ......... I ~Toai...... 'ER, S. C. Fire Extinguisher. It was- quite by accident that the discovery was made that ammonia would extinguish burning oil. A bot tle of ammonia saved a family great loss by fire. The gasoline stove sprung a leak and the fluid caught fire, spreading rapidly. One of the older children coming into the room could not reach the sink and get water to throw over the blaze as he thought ought to be done, but had enough presence -of mind to pour over it the contents of an ammonia bottle that stood near. As It happened, It was the very best thing he could have done, as It quickly extinguished the fire which water could not do. Now the family keeps ammonia on hand In a two-quart sealed jar, anticipating the time when It may be needed again for the same purpose. Now's This:f We ofrer One Hundred Dollars Reward for any case of Catarrh that cannot be cured be Hall's Catarrh Cure. F. J. CHENEY & CO., Props., Toledo, 0. We, the undersigned, hove known F. J. Cee for the last 15 years, and believe himpefcy honorable in albusiness transactionsan fnan cilly able to carry out any obligations made by their firm. WEST & TRUAX, wholesale druggists, Toledo, 0. WALMXNG, KINNAN~ & MARVIN, wholesale drug gists, Toledo, 0. Halls Catarrh Cure is taken internally, acting directly upon the blood and mucous surfaces or the sytem. Price 75c. per bottle. Sold by all prgit.Testimonials tree. Hl's Family Pills are the best ['Returns. 3tion was held yes unexpired term in :aused by the death tor Louis Appelt. v'otes polled. Du I over both op and Dingle, by a ISenator. ..--- 3 38 26 .... 4 38 15 .... 0 62 4 .... 9 14 31 ....21 12 1 ....15 28 2 .... 6 52 9 .... 6 42 5 ....... 1036 4 .... 7 19 12 .... 8 14 6 .... 9 37 5 .... 8~ 20 11 latform 39 1Il 77 .... 1 29 22 .'. 36 47 20 ....19 50 10 ....36 64 15j .... 10 16 7 .... 8 16j 121 ... 33, 5I .... 01 27? 5t .... 3!26~ 8 .... 11 13j 15 ... 0 26t 10