Historical Newspapers of South Carolina

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I GOVERNOR MANNING'S VIEWS. SR&V' ' * Next legislature Should Revise Insurance Acts to Meet Requirements. (The following letter from Governor Manning to Mr. James A. Cofield. a leading insurance man of Spartank: burg, was given to the Spartanburg Herald by Mr. Cofield for publication and appeared in the Herald of recent date.) Mr. Jas. A. Cofield, Spartanburg, 8. C.?Dear Sir: In reply to your inenrflnpp! Rlt inquiry EUUUl liic uic axaouawx-ww ?& ! nation of South Carolina and my atfe$ titude in respect to same, beg to adlj;V vise that prior to the convening of y t the last legislature we heard quite a lot of discussion relative to the fire insurance rates in South Carolina. I During the session of the general as| nemhly this discussion took the form K-y of bills introduced in the house and |?y senate. It was claimed by a great life'; many people that fire insurance rates fe- in South Carolina were excessive and _ jhat discrimination was practiced. V The cause of this alleged discriminant r tion and excessive rates was said to have been because of an alleged comhination among the companies sell-1 Bp&y./ ing this protection, and that this ffe combination had entered into a comH&fe.''pact to control the fire insurance If business in South Carolina, inese 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 bill passed the house by a vote of 57 to 31; and . in the senate on final passage the */' rote, according to the senate Journal J " was 33 to 3 J This bill was then sent to me for approval. Given a Hearing. [ v Having been requested by interest^ ed parties that they be given an opportunity to present arguments for and against the approval of this act, I fixed a date for this hearing. Quite 1 a number of gentlemen interested in 'the insurance business appeared at my office and presented their arguVments against the approval of the wet. On the other hand, the insurance commissioner, who is especially CJharged with the conduct of the in, 'inuance department of the State, pre seated arguments favoring the approval of the act. I listened to all .arguments with an open mind. I learned that practically the same arraments presented to me against the IL approval of thi6 act had been prem Piously presented to the members 01 L- the legislative committee before its .^passage. It was stated that in case fe the act was approved, it was generally believed that the companies woula " withdraw from the State. The in| ^ eurance commissioner gave it as his |I;:: opinion that this would not happen, ||S hut in case the companies did withdraw he thought that other com;; panies could be induced to enter the 8tate for business and that there would be no serious interruption along this .line. I did not deem it vv my duty to decide whether or not k' the companies would withdraw. The^ pg. only question before me was whether or not some valid reason for disap proval had been presented to me that ||p. ifras not known at the time the act was passed. The legislative departf,, ment enacted the law, and unless it v ? could be clearly'shown that the act was " unconstitutional beyond any question or that the members of the ? - general assembly were not in posses BBS) ?*on ?* *ke ^acts that were presentea to me, it was clearly my duty to ac||fe/ . cept the judgment of the large maB&jpy jority of the members of the general lite assembly and sign the act. tepw- ?-?>> . . I did not deem the arguments against the approval of this act of 8?jp;." such nature and strength as to conPp ; vince me that it would be improper for me to sign same. His Idea of Veto Power. |&i| . , I do not deem it proper for the r-fe ' governor to refuse to approve an act jpfe;1 because of his personal opinion as to Bj&\- its wisdom. The governor should have due regard for the wisdom and &yV . action of the people's representatives Ppf;V; '' . ill the general assembly, regardless of what might have been my peril'-, sonal feelings to influence me in the g|performance of my oflicial duty. Since the approval of this act, I have found that the predictions of a p number of people that the companies would withdraw have proven correct. Practically all of the fire insurance conmanies have withdrawn from the State, only a small percentage remaining 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 busi ness has been disorganized. I realize further that possibly others have been embarrassed financially by reason of the fact that they have not been able to secure adequate insurance protection. Talks With Insurance People. Some time ago, while in Washington on official business in connection with the war department, a gentleman whom I knew personally stated that he "would gladly arrange for a BBS ' with thp nffififl.ls nf snmp I of the larger fire insurance companies in &ew York, and I requested him to sp-.. ' <. v,- -/ ; ; ... do so. I then went to New 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 seemed to be no disposition on their part to punisu the people of our State, and they were very frank to say that, while their business had not been profitable, yet from the 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. 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 wrorked 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 business life. In recent years other States have given great thought and study to these questions, and have revised their insurance laws in such manner thai the companies and the assured are given full protection under the law, and all parties look upon the mattei as strictly a business proposition. This is as it should be. Fire insurance is a business matter. A com\ pany sells indemnity against loss, and should charge therefore 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 of any commodity upon which the public is dependent. Fire insurance rates should be in accordance with the 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 privide for conflagrations. We have learned that drastic legislation will not accomplish good results unless such legislation takes into 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 con ducted by competent business men will solve this problem. The insurance companies will in my judgment be glad to return to the State under such a bureau. When the insurance laws of South Carolina are revised, i I suggest that the recently revised laws of New York, Pennsylvania and Kentucky might be used as models on which our laws could be based. The so-called valued palicy law now on statute books of South Carolina is in my judgment an incentive to in cendiarism and a protection to the dishonest man. This law should be repealed promptly and I shall so rec1V? AW /I UIIIIILPUU. Reduce Fire Loss. One of the greatest problems before the people of South Carolina today is not so much the securing of insurance as in the reduction of the fire 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 part of our citizens of more care; and more rigid inspection by the firemen. The exercise of ordinary care will prevent serious fire losses. It is so much easier to prevent a fire than to extinguish one after it is begun. Property that is burned is forever gone, and the insurance collected does not 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 Dart of SeDtember. and after this conference I hope to have definite information as to the attitude of the companies. Of course, insurance legislation, like all other legislative matters, must 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. But I shall, of course, make such recommendations as in my judgment are proper, and will lead to a satisfactory settlement of the difficulty. I believe that my recommendations will bring results. Yours very truly, RICHARD I. MANNING, Governor. Ouch! "Mr. Toastmaster," complained the tiresome after-dinner speaker, "there is so much conversation going on that I can't hear a word I am saying." "Oh, well," said a voice at the end of the table, "you are not missing much."?Cincinnati Enquirer. It doesn't require a ten-cent stamp to register a kick. REGULARS AND MILITIA. Now Uniformed and Equipped Alike. Can't Be Told Apart. The United States soldier, regular or militiaman, on dress parade looks natty. In actual service much of this jauntiness vanishes and you think of a pack mule when you see him on the march. He carries his bed and dining room outfit with him, and his entire wardrobe as well. The soldier on the march is a concrete ftvamnlo nf nrp/nnrprtnpss. If the civilian soldier is well trained, you cannot tell the difference between a regular and a militiaman in the field. The militia uniform and equipment are identical with those of the federal army nowadays, as a result of State laws which conform to the United States regulations. The trend of recent years has been to make the militia as much like the federal troops as possible and the standard uniform is the result. All enlisted men of companies or battalions, except first sergeants and musicians, and all dismounted men of mounted orderly sections of headquarters companies, dismounted men of supply companies except drivers, and every member of the militia will be fitted out with a full complement of these articles and each individual will be held responsible for them: One United States rifle, calibre .30. One front sight cover. One oiler and thong. One oiler and thong case. One gun sling. One bayonet. One bayonet scabbard. One cartridge belt, calibre .30, infantry. One pair cartridge belt suspenders. One first aid packet. Ninety ball cartridges, calibre .30. One canteen, infantry. One haversack. One meat can. One cup. One knife. One fork. One spoon. One shelter tent, half. Five shelter tent pins.v One poncho. One blanket. One cake of soap (furnished by man.) One toothbrush (furnished by man.) One pair of socks (furnished by man.) One comb (furnished by man.) One towel (furnished by man.) One whistle (for quartermaster sergeants and sergeants only.) One identification tag with tape. Officers and non-commissioned officers, in addition, carry pistols, sa- : bres and other implements, the aver- , age weight of a full infantry equip- , ment being twenty pounds. The horse equipment for each en listed man consists of one feed and , grain bag, one halter headstall, one , halter strap, one horse brush, one , lariat strap, one link, one picket pin, one cavalry saddle, one pair saddle- , I bags, one saddle blanket, one surcingle, two horseshoes (one fore and one , hindj, twelve horseshoe nails. The new uniform of an enlisted i 1 man consists of the following articles: One waist belt. ' One pair of woolen breeches anu ! one pair of khaki breeches. One woollen and one khaki service coat. v> One hat cord. One tying cord for service hat. One service hat. One pair of leather riding gloves (for mounted men only.) One pair canvas leggings. Two flannel shirts. One pair of marching shoes. The Advantage of War. / 1 War itself is of short duration; it produces results and relief and recuperation follow, says the Atlantic. But armed peace is a never-ceasing , loss, and the hopeless feature of it is that it never arrives. It is a constant outlay without commensurate return. With the utmost that can - ? ? j ? ^ be done, tne reiauve strengtns or j States are changed but slightly, if at i all. Possibly the weaker States! profit by this preparation as compared with their more powerful neighbors, but even this is doubtful. It may in some cases tend to preserve peace; in others it certainly makes for war. It does one or the< other according to its purpose and the strenuosity with which it is carried on. When war-preparation is purely from a defensive motive, and not aggressive, as may truthfully be said of nations like the United States and Switzerland, it certainly has a tendency to deter aggression and to make for peace. But when such preparation is made with war as an object of national policy, or to keep up a rivalry of military or naval ' power, its tendency is to arouse sus-11 picion of motive, to foster the belief that such preparation means war, and thus directly to lead to the likelihood of war. Read The Herald, $1.50 per year. Ml jUBHHI I j>yj ^ ||;l! F.P.B. DETROIT. V 1 Hill XJORSEPOWER" is a misle I A sometimes wrongly used t something unusual, exception | I innovation. I We don't claim anything w< | don't mislead by reference to a te I don't understand. I We've got something real to fc | I the Maxwell car?its complete I the attractive appearance. Con and its unequaled record for pei I The price includes all the ho I to take you anywhere and as to go. f I 5-passenger Touring Car, $595 2-passengei f 2-passenger Roadster 580 6-passenget | 1 5-passenger Sedan, $985 I BAMBERG AUK HUSBAND RESCUED Snufhp DESPAIRING WIFE After Four Tears of Discouraging ccrMrri Conditions, Mrs. Bollock Gave PASSENGEf Up in Despair. Husband effec Came to Rescue. V? In on !No- Arrive Bamberg Froi Catron, y. ntaestrag letter , 24 Augusta and intermedlIrom this place, Mrs. Betbe Bullock ate stations 5 writes as follows: "I suffered for four 25 Charleston, Branclmile years, with womanly troubles, and during i and intermediate stathis time, 1 could only sit up for a little ! tions while, and could not walk anywhere at 18 Augusta and intermedial!. At times, I would have severe pains! ate stations 8 in my left side. 35 Charleston and interon. , . v ,. ,. ,.. . . mediate stations The doctor was calledm, and his treat- QO A . ... ,. ... . . ^ ... ... 22 Augusta and intermediment relieved me for a while, but I was ate stations 6 soon confined to my bed again. After 7 Charleston, Branchviile, that, nothing seemed to do me any good* - and intermediate staI had gotten so weak I could not stand, tions 8 and I gave up in despair. _ __ ? _ _ OJ , m,;L1ieKe?a rrn* Trains Nos. 17 and 24? At last, my husband got me a bottle oi! and Atlanta# Cardui, the woman's tonic, and I com- j menced taking it From the very first! N* B*?Schedules publish dose, 1 could tell it was helping me. I j For infoi can now walk two miles without its i tiring me, and am doing my work." j II 11J JL If you are all run down from womanly I W 11 troubles, don't give up in despair. Try j THE SOU! Cardui, the woman's tonic. It has helped , , more than a million women, in its 50 - - - years of wonderful success, and should surely help you, too. Your druggist has AD IITCE1 sold Cardui for years. He knows what A K IIIillj it will do. Ask him. He will recom- v u mend it Begin taking Cardui today. tit . , ^ LIFE INSURANT Write to: Chattanooga Medicine Co., Ladles* Advisory Dept., Chattanooga, Tenn., for Special Instructions on your case and 64-page book,' Home PamWri Por, Treatment tor Women," sent in plain wrapper. E66-B .Bamberg, feOUtll Gaif WORDSFROMHOMEl | Neuralgia, Headaches, ^. mi . .. q | ,, Colic, Sprains, Bruises, C Statements That May Be Invesfga. Burns, 0ld Sores, Stings O ted. Testimony Of Bamberg ; Etc. Antiseptic Anodyne, c,t,zens- ternally and externally. P When a Bamberg citizen comes to ; the front, telling his friends and j neighbors of his experience, 'you can | I II | j i 11 rely on his sincerity. The statements | 4 ' of people residing in far away places _ ? Tin ni T do not command your confidence, j IT A L* V4 T Home endorsement is the kind that; Jj| i^r JL backs . Doan's Kidney Pills. Such , testimony is convincing. Investiga-, TTPl^l A 1^ A tion proves it true. Below is a state- F1 FV AA 81 AA ment of a Bamberg resident. No stronger proof of merit can be had. yjfho of us does not suffer a James A Mitchell. R. F. D. Mail | from this awful pain? All a: carrier, Calhoun St., Bamberg, *ays: ject to it-a disordered sti "The jar and jolting in driving was ^ inactive liver, constipatio no doubt responsible for the trouble I causes. But headaches art I had with my back. Two boxes of I warnings of something m Doan's Kidneys Pills, procured at the ^ rious. Heed the warning, People's Drug Store, brought me re- I 1Y,, TH A ^ WF' lief. I never lose a chance to say a ^ Ui 1 fl/ivllL. good word for the medicine." ^ Price 50c, at all dealers. Don't I LllVCl 3I1Q DIG simply ask for a kidney remedy?get ^ f """ fViot k. V IllD Doan'p Ki^n^v fin*?ui~ ^ ? * Mr. Mitchell had. Foster-Milburn Co., I head 0ff the more seric Buffs'" N. Y. jo ments. This preparation pc ?????????- ly relieves all perils of coi I tion and its kindred disorde: Cnf tvmtmr* " restores the system to its ] W RFNT7 IK fe condition-gently but thorc If. IlLiilL, JI\# | Geta bottle today Two ^ Life, Health, Accident and ^ end $1. AH dealers. Fire Insurance |af jHf dVM ALL RELIABLE COMPANIES ; mi. TT 77 gA j Read The Herald, $1.50 i ' ? ' s . . ' ' . ' ' . v.. umld claim 411-2 j jj epower and probvnnfi)/?n///n'# II III > the difference ading phrase. It is | * :o carry the idea of | al?some - startling 3 can't prove. We jchnical subject you . alk about Examine I f equipment. Note sider its reputation formance. -V rsepower you need . , I fast as you want I r Cabriolet, $865 isfrSgglM lywnfffc I / 1 Town Car, 915 jJJ|J| ^ ^ illirPI i ???? srn Railway | CARRIER OF THE SOUTH. . r.zi ! ' I TRAINS SCHEDULES i ' TIVE JANUARY 23. 1916. 5 jl Trains Run Daily. n No. Leave Bamberg For 24 Branch ville, Charleston :05 a. m. and intermediate stations 5:05 a.m. , ! 25 Augusta and interme!:25 a. m. diate stations 6:25 a. m. 18 Branchville, Charleston !:43a. m. and intermediate stafirtnc 8 42 A. m. cava**? .... - - - - """ - - - - - w ? ? ??- ^V"" i ^ 7 fl m 35 Augusta and intermedi<0< a* m* ate stations 10:57 a.m. > 22 Branchville, Charleston >:37p. m. and intermediate sta- ' ? tions .... 6:37 p. hi. 17 Augusta and intermedial 7 p. m. ate stations 8:17 p. m. -IS Through sleeping car service between Bamberg ed as information only. Not guaranteed, rcnation, tickets, etc., call on IcMILLAN, Agent "HERN SERVES THE SOUTH. ????? . . [ Good Looks are Easy | MagnoKa fj*F ^ &m Balm. . 1 - Ma natinm I Loolc gooa1 M y?ur ^uy \w matter if you do Tan or Freckle Magnolia Cramps, Balm will surety clear your skin initantty. /UtS and Heals Sunburn, too. Just put a little on f Tncjpp, o ^our face and rub it off again before dry. ; msec, b aimp|e and sure to pIease> Try a 1,0^ lUSeain- to-day t and begin the improvement at rice 25c. once. White, Pink and Rose-Red Colors. 75 cents at Druggi&s or by mail dired. [J SAMPLE FREE. LYON MFG. CO- 40 So. 5th St, Brooklyn. N.Y. CK V41 SEASHORE ROUND TRIP FARES mm From Ehrhardt. Xl ?i j WEEK-END EXCURSION FARES ($2.95 to Isle of Palms. $2.95 to Sullivan's Island., re sua- Tickets on sale ror an irains on omach, v each Saturday and for forenoon n are trains on each Sunday from May 27 i njere I to September 1, inclusive, limited reore se- ^ J turning to reach original starting take point prior to midnight of Tuesday D'C next followin& date sale* * K5 J SUMMER EXCURSION FARES j $4.15 to Isle of Palms. )Ofl I $4.15 to Sullivans Island. ^1 $11.70 to Myrtle Beach, k $20.75 to Norfolk. I Tickets on sale from May 15 to >us ail- 3 October 15, inclusive, limited return- ; >sitive- k until October 31. Liberal stopnstipa 3 over Privileges, rs and Q Schedules and further .particulars nnrmal k. cheerfully furnished upon applicaI tion to M. T. JOHNSON, Ticket g I Agent, Bamberg, S. C. :es, 50c w ATLANTIC COAST LINE II The Standard Railroad of the South. t ^ M I ? - TTT/3**OT - XJlg Supply UI vv dici Lua.il o 1UC?? per year. Fountain Pen6 at Herald Book Store. ;; ii? . * J* ' *. . ; . .*L\ . y- r-~ -K/-.'is