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COMMENTS ON MEN AND THINGS (By Spectator) Years ago a ni^it did mo a favor. Iu 1902 a maa persuaded mo to "insure to tuko out a twenty year policy of 11,000. About 1908 1 suffered a lot of pain, lotst a lot of weight, saw a lot of doc tor a?and worried myself Into takliiK another twenty year policy; (hit* time for $2,000 I had an Idea thut 1 wuh about to die and that this w?h the thing to do. I do not defend my elhioe, or lack of ethicM. The company will forgive me, since I am still alive. Then about four yours later i took yet another policy. Then I rocked along until 1 yielded to the arguments of an agent and added $5,000 more. I am Just like moat men; 1 know what I ahould do, but 1 full to uct on iny knowledge. Even today 1 am not adequately "covered." I am expecting certain other holdings to make up for lack* of sufficient Insurance That i? not always a wine plan, for thorn other holdings, or business interests, are Miibject to ho many risks that they may evaporate at the very moment of - greatest need. Ah an 11lustration of that, let me, way that I know a man who Ioih invested about twenty thousand dollars in stocks and bonds. Four monthH ago ho could have "cashed in" for $25,000; today IiIh holdings are worth $15,000. That difference of $10,000 Jh the equivalent of a good sound policy. Hut JuHt think what happens to the family of a $25,000 man when the estate shrinks $10,000. Hack in 1932 It would have shrunk possible $20,000. Stocks which cost this man $250 a Hhare fell to $70.25. I used to dodge insurance agents as though they brought the plague with them. Hut it is all very simple ' and very clear. Let us consider tin* man with an income of $150 a month. He spends his income like this: limit twenty dollars; groceries, ice milk fruits and vegetables, seventy-five dollars; lights, power, laundry, ten dollars; recreation, movies contributions twenty dollars; clothing, etc, twentylive dollars. Nothing saved for his widow and children except a few hap- \ py memories struggling with hard. Kriin and heart breaking realities day by day. as the family must have a shelter and must have something to eat The man who dims without havi-ng provided as best he can lias fallen down sadly in a sob-inn duly to itis wife and children; lie is throwing his loved ones on the charity of the family or on the compassion of the cold would. Can you imagine the discus sions in the family circle of tho ' inlaw?" Who is to take Sal lie, Mary , and little Hoy Blue? Then if the fam- , ily should take them in how will those loved ones foel to be "taken in,"? , dependents, eating the bread of char- ( ity? All that is manly in a man re- i rolts at the idea. Although, I ain a policy-holder la f aevoral companies?strong companies ! ?1 don't know as much about insur-' anoe as I should. Recently I met an 1 ( old friend on the street. Ho is an', insurance man, but we met as old boy-1 hood friends, not on a imsiucsa basis.! 1 told him that I lia'd become inter- t cst.-d in insurance to prevent the i swallowing up of one's little bequests I to bis family by inheritatice taxes. I He gave me an insight into what i phase of Insurance that 1 pass on. It was interesting to' mo. I know that business men protected their families against risks, like thin: A man spends $ 1 f>0 u month on hl? family. He dies having no property. At the lowest estlmute, if it coal $150 a month when ho watt living, what will It eost his widow and children? If he leaven $1,000 or $2,000 he Is JiiHt providing for his funeral and ubout six montha or one year for 1?1h family. After that they must seek the favor of Uncle Tom and Aunt Husle or brother Bill, Figure it out for yournelf. Now suppose our man hud bought u house for $3,000 and dies ufter paying $l,600~wha't will the family do? How can they pay "the balunce?" Then what happen*? They lose the house, their little home. Now these Insurance agent* will *ell a policy to cover the unpaid balance. If you die, the house In paid for, the home is waved. 8o with the farm or the "business." Young men should have "the lesson drilled into I them while they are wuutlug their "quarters." Life Insurance is a bargain when you are young and healthy, A young man of twenty-one can take a "straight life" policy of $5,000 for $H.()0 a month; or ho can make It a twenty year policy for $10.00 a mouth. When he 1* 41 (if a twenty year policy) that 1* "paid up" And that Is the safest and easiest way to accumulate something for the "rainy day." An insurance is like a savings account, only much better. If distress overtakes you, something can be borrowed on your policy to tide you over, yet the policy continues in effect. I recall a case. About 1015 a tornado struck the little town of Manning. A young white man was killed, crushed by a collapsing roof. His widow and children went to his father's; they were destitute. Hut a local insurance agent (now gone to his reward) came to the afflicted widow with what seemed like manna from heaven. He told her that in spite of money loaned to the husband; notwithstanding he had been neglecting to pay the premiums and thought the Insurance was all lout, the policy wan ntlll alive and, the widow received $4,000. That was worth a fortune to the young widowed mother. Can you put yourself In her place? I havo alwaya thought of my old friend, the agent, aa a knight resculug a womeu In diatreaa, In the beginning luaurauce must huve been started an a means to di* tribute the burden of support ao that it would fall lightly on each one; then It euabled u family to receive help without lotting ita self-respect; because It had paid.' ita part to help othera. Hut how it haa grown! 1 am not an luaurance man and don't km>w ull the kinda of policlea, .hut 1 know u few uiul I find them intereatlng. Let young men take aa much insurance aa they can carry while they are young and the ra^ea are low. If I could go back to thfe rate of 11102 I'd take a lot more Inauruuce, 'Jake a tip and avoid regreta. Don't wall thirty five yeara to find out for yourself. Experience may be the beat teacher, but ahe chargea a good stilt price for luatructlon. Profit by some one else's experience and aave a lot of worry and a lot of mopey. In all our business and scientific life wo conatantly build on the experience of othera; only a foolish man insists on trying out everything for himself. Now when you pass on, your family must still have a home and food and clothing; and the children must go to school. Provide for them. Some men take out policies that are specially to cover the education of their children; some arrange for a monthly sum to be paid to their widows. That has always seemed specially good to me. When you puss away you will leuve the little mother of the family without the guide she has looked to. Then Mary Ann and Joe Henry and Susan's oldest boy?all have groat plans fof making money, If they can Just get a start with a thousand or two. Your poor widow, with her heart bleeding, susceptible and responsive to claims on her sympathy, will "finance" some of these schemes land she will buy a lot of experience In a short time. Hut the butcher and the grocer can't use It. A couple of years ago a friend told me that instead of buying laud and stock and bonds and mortgages lie would advise taking insurance, several policies. One might be for (he widow, one for each of the children, one for the estate, in order to take care of general claims. Suppose a man should die, leaving an estate worth $1U0,000, If *$90,000 of this were in land and $10,000 in "equities'"?stocks, bonds, etc., his estate would pay approximately $2,200' to the state in inheritance taxes and $1,400 to the National government for tlie same sort of tax. By his will a man might have intended a division of his estate into three parts?one third to the widow, one third to the children, and one third to his general estate, for debts, etc. After paying the inheritance taxes and administration fees the estate to be divided would be about $93,400. Of course you know that taxes on land are very high. Leave a more liquid estate, well Invested. Insurance Is best of all. ' Insurance, then, long since a standby, is now more so. Many a man of property finds that he has to take insurance to protect his property. Consider the man with a home worth $15,000. a farm worth $15,000, and stocks and bonds worth $10,000. He dies when conditions are as they were in 1932. No on^ wants to buy a farm, and stoc ks are selling at thirty per. cent of their value, or less. The estate must pay inheritance tuxes and other taxes. Something must be sold on a weak market. That farm and home at a forced sale may bring $10,000?a clear loss of $20,000. A business man of today would protect that by taking insurance. The man of very large interests practises this. He does not mean to leave his ' family helpless, nor does he intend that his estate shall be sacrificed for taxes. Sometimes a business is built around one man, a person whose brain conceived it and whose managerial talent carried it through the vicissitudes of Its early years. A big policy on his life will be taken to offset in some degree the loss the company would sustain by his death. How true; yet the indispensable man in the scheme of life is the father of the family. What a shock his depth brings. What a dislocation when that seat at the table is empty; when that figure will not be seen coming hone to Join in the intimacy of the family circle. His counsel no more, his guiding hand relaxed, his assumption of all the business of the home a thing of the hallowed past.. Has he provided so that that cherished group nay. carry on? It is inconceivable that one with responsibilities should so forget the lesson taught to us daily and fall to provide for the morrow as well as for today. We used to dodge the insurance agent, as I said. How different today! Careful, hard-headed meo Invite the agent to call. The agent of ? - ** today knows his business. He soon knows your business, too, and can ad* vise you how to arrange for yourself and your family. The agent is a professional man today, a student of business and finance. Tell him your problems and plans; let him study them out for you. MODEST BUTCHER SAYS HE ORIGINATED HAMBURGER Stillwater, Minn.? Ho is modest about it, but if yon raise the point Louis Meyer, veteran Stillwater butcher (retired), will admit that he Is the originator of hamburger. Years ago. when Stillwater was a booming lumber town, Meyer operated a meat market for the late Isaac Staples. As lie relates it, he was working In the back of the shop one day and ground up a few cuts of beef, seasoned them and gave the meat paste a trial on a griddle. Staples arrived on the scene; remarked at the pleasing odor of the jooked meat. He tasted it and asked: "What you call this?" Without missing a stroke of his 4harpe knife, I>ouis replied: "I think I call it hamburger." And that Is how hamburger came o be and how it got its name, accordng to Louis Meyer. The American ltod Cross has alloted an additional $'J0,Q00 for use unong American refugees from warorn China. The funds weut to the [Miilippines Rod Cross for relief of lcnniless Americans. LET US GIN YOUR COTTON 4' We wish to announce that our Gin has been completely re-conditioned and that we are in position to give absolute satisfaction in ginning your cotton. We will greatly appreciate the opportunity to serve you Ts Rhame Ginnery i Jsia ? * * _ i? . ' --- I [j] A/HinGiin new; V > 1 tah&vMM j p-mcPfiROJ7! Washington, D. C., Aug. 21.?Congress Goes Homo: Congress hua adjourned and tlie drat session of the 75th Congress is history. The session was the second longest ot the six sea-; slons during this Administration, fallshort by only a few days of the mark set by tlie 1935 session. On account of considerable wraugr ling, at first blush one would think of tiie session as full of plodding and doing nothing, but one has only to review the events that have occurred to see that such an estimate is incorrect. Since Congress convened on January 5 we have witnessed the inauguration of President Itoosevelt for a second term, the recommendation by the President of a reform of the judlciul system and a reorganization of the Government departments, the two months long wrangjw over the Reorganization of the/Supreme Coprt, the passage by Congress of the Compromise Reorganization plan, passage of the Housing bill, the Farm Tenancy bill, the long fight over Wages and Hours bill, which passed the senate, but was bottled up by the Rules committee of the House, the efforts made in Congress to bolster the price of cotton, the passage of many other, more or less, important measures. The significance of the above events cannot be fully appreciated yet, but one thing is clear; this has been a tumultous and vexatious session, and all conscientious members of Congress have been under a terrific strain during these eight months. It is to be hoped that the recess will provide an opportunity for the hot brows to cool off, for the country to lift itself further out ot the depression and for us all to get a clearer perspective of the country's needs. Carried Over: The returning Congress, next session, will need a clear vision for it will be confronted by a number of very controversial and perplexing problems, some of them' carried over from this session. A new farm program has been made the first order of business for next year and Congress will have to answer the question whether we shall return to the restrictions, Irritations and red tape of crop control or shall do nothing and again see surpluses pile up and prices go down. I Next, in order for consideration, will be the Wages and Hours bill. As stated, this measure was not voted on by the House at this session because the Rules committee would hot grant a rule for its consideralton. It is certain though, In Jhe writer's opinion, to be brought to the floor for a vote soon after Christmas, because the Speaker of the House and the Democratic leader have given public assurance that if the Rules committee does not report the bill out they will sponsor a petition to discharge the Rules committee and bring the bill up anyway. Such a petition would require the signatures of a majority of the members of the House. The establishment of Regional TVA authorities and other steps in the /eorganization of the Government departments, are other problems to be considered next session. In addition, the ghost of the Supreme Court fight will no doubt be hovering in the background. When Congress next meets I shall continue the weekly practice of giving my constitutents some of the news here through the columns ot this paper. About 750 passengers aboard the cross-channel steamer Princess Marie Jose, were saved from possible death by drowning by the quick action of the captain following a collision with another, ship in the English channel. The captain ordered full steam ahead and managed to beach his ship as water poured Into her hold. All passengers were quickly transferred. Norman Ebbutt, widely known Berlin correspondent of the London Times after 15 years has been ordered out of Germany by the Nazi government, In retaliation for the British government's action in ordering three Nazi correspondents out of England for undisclosed reasons. The Times will not - send another correspondent to Berlin, though the German government is willing to accept another who is "more amenable." Air mall service haw been suspend e<l between Shanghai and Hong Kong, China. SUMMONS FOR RELIEF , - State of South CaroUna, Ceunty of Kershaw. (In Court Oosaraon Pleat) Henry West, Emma Catoe, Dell* Dillon, Leila'Vincent, William West, Henry Wost, the younger, Elmer West uud Mary Bush, plaintiffs, against Liszie Pau Ikon berry, James E. Faulkenberry, lues Ferguson, Huth Wbst, Harry West and Mrs. Delia West, defendant*. To the Defendants Llssto Faulkenberry and Inez Ferguson: You are hereby summoned and required to answer the complaint In this action, which has this day been filed in the office of Clerk of Court of Common Pleas for said County, and to serve a copy of your answer to the said complaint on the subscriber at his office, Broad Street, Camden, S. C., within twenty days after the service hereof, exclusive -of .the day of such service; and If you fall to answer the complaint within the time aforesaid, the plalntlffp In this action will apply to the Court for the relief demanded In the complaint. I. C. IfOUGH, | Plaintiff's Attorney. Dated at Camden, S. C., this the 30th day of July 1937. 21-23 NOTICE OF SALE Notice is hereby gHen that In accordance with the terms and provls- j Ions of the Decree of the Court of Common Pleas for Kershaw County, dated August 16, 1937, In the case of Home Owners' Loan Corporation, ! plaintiff, versus Susie C. Taylor, James H. Clyburn, the elder, Individually and as executor of the Will of I M. A. Clyburn, James H. Clyburn, the J younger, Maleta C. Team, W. Craig Clyburn, Susie M. Sutlive, James William Clyburn Mary Edna Clyburn Nicholson, Louis Clyburn, Jack Clyburn, James C. Team, Mary Alice Jones, Minnie Craig Jones, S. C. Clyburn, Mary Maleta Clyburn McDowell, Stephen Lewis Clyburn, Virginia Taylor Johnson, and The First National Hank, defendants, I will sell to the highest bidder, for cash, before the Court House door at Camden, S. C., during tlffe legal hours of sale on the first Monday in September, next, being the 6th day thereof, the following described property: "All that certain piece, parcel or lot of land, with the improvements thereon, or to be erected thereon, situated, lying and being on the Western side of Broad street, in the City of Camden, in the County of Kershaw, in the State of South Carolina; said lot being in shape a rectangle measuring on its northern and southern sides three hundred forty-five (846) feet, more or less; and on its Eastern' and Western sides one hundred fifty (150) feet, more or less; and being bounded on the North by other property of the Estate of M. A. Clyburn; on the East by Broad street; on the South and West by other property of the Estate of M. A. Clyburh; said premises being part of that conveyed to M. A. Clyburn by John r iT!b by dew! dated Mqy |j lm corded <?n June u, 1909, i? h.,, *.9 of the Clerk of Court for kVw9 county. In Book of Deed* "WWwM page 850,' * " ( Terpia of Sato: For caul, rh. ?. I ; Jer 16 require of the successful 1.7?* ?t Wild ulo. other than 'hereto, " dspo.lt ,,i nv,, (6, J1*1'"? of their bid, eame to bo forStJ?1!? case of noncompliance; th? m. w#l aot remain open after th*.Si uh ne personal or deficiency iu<i Jr9 la demanded, / w- L. DePASS, Jr I Master for Kershaw Co^hI | Wittkowsky ft Wittkowsky J Plaintiff's Attorneya. NOTICE OF SALE^I Notice Is hereby given that in J oordance with the terras and prnfl ions of the Decree of the CowtJ Common Pleas for Kerahaw n,uil9 dated August 8, 1937, in the cuss 9 Home Owners' Loau \orporatk9 plaintiff, versus Janle Johnson, i.-'l Drakeford and Minnie Johnserf^j fendauts, 1 will aell to the hlA3 , bidder for caah, before Uvajj&JH House door at Camden, S. C., durhfl the legal hours of aale ou the 11)9 Monday In September, next, being t9 6th day thereof, the following dee<9 ed property: V "All that certain piece, parcel 9 lot of land, with the improvemei I thereon, or to be erected thereon |9 ; uate, lying and being Just south9 the Town limits >f the Town of kJ I ahaw, In the County of Kershaw 9 the State of South Carolina; said' 9 j fronting two hundred sixteen (ll9 feet and five (5) incheg southeast ? the old Cajnden-Kershaw highway, ?9 extending back on its southwest il9 ! from said highway two hundred nl9 (209) feet; thence northeast one hi9 dred ninety-eight (198) feet and kcv(9 (7) Inches; thence southeast one h?9 dred flfty-elght (158) feet and five (9 inches to the said old Camden-Kt9 Ishaw highway, uh shown by plat null by E. F. Rice, Surveyor, of date Afl gust 30, 1935, and recorded In t9 ofTice of the Clerk of Court for Ke9 ?haw cpunty In Plat Hook "10" fl page 30; said lot containing olght9 seven one-hundredths (.87) of |H acre; and is bounded northeast 9 property of the Estate of W. M. Befl ton; southeast by the old CamdeH Kershaw highway; southwest by pre? erty of the Estate of Edward Shi9 nou; and northwest by the rlghteH way of the Southern Hallway; premises being that conveyed to Dufl ing Johnson by Teresa E. Sowell/^B deed dated September 6, 1912, ul recorded In the office of the Clerk Court for Kershaw county on SoptenH ber 9, 1912, in Book of Debds "A^H at page 215." Terms of Sale: For cash, theMtfl ter to require of the successful bldH der, at said sale, other thar. the plitsH tiff herein, a deposit of five (5) ptfl cent of their bid, same to be forfelttfl in case of non-compliance; the bidH ding will not remain open after sale, as no personal or deficleujH judgment is demanded. Plaintiff's Attorneys. H Wittkowsky & Wittkowsky, Master for Kershaw Countjm W. L. DePA88, Jr., I meetmea^TI I BROAD STREET LUNCH ON TOP OF THE HILL S' | The Best Nickel Hamburger Anywhere. Milk?Bottled Drinks?-Boer?lee Cream I I COURTEOU8 \ OPEN UNTO 9 CURB SERVICE S A M. ^ Sanitary Plumbing and Heating j ! TELEPHONE 433-J I I Estimates Furnished on Short Notice - I ! I i ELECTROL OiL BURNERS I FIRE?AUTOMOBILE?BURGLARY?BONDS jjjl ? DeKAlB INSURANCE AND REAL ESTATE CO I 9 "INSURANCE HEADQUARTERS" W : CROCKER BUILDING?TELKPHOKB 7 3 M. G. MULL BR BLIZABBTH CLARKE, Ugf- 9 .jb ALL?FORMS ?OF?INSURANCE i j - s. < , iwutnt't W7J1'1' v BICYCLE REPAIRS I We have opened a bicycle repair depart?^ I in connection with our ?* shop and AID A"* pared to handlo all work promptly and * able price*. - . .vy DeKALB MACHINE WORKS B M. H. DEAL, Owner j ELECTRIC AND OAS WELDING LATHE WO* JJ [ BICYCLE AND GENERAL REPAIRS I I West DeKalb aisst * tt-* B