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hm STREETS AND INSURANCE RATING IMPROVED STREETS PLAY AN IMPORTANT PART IN MAK ING RATES INQUIRIES MADE Chief Engineer of Southeastern Underwriters Association Writer of Matter. Tlinl paved stn-ots play a very Im portant part in Hie makin;: uf lire In surance rate? for a city. ?B the state? nient that cornea /rom the Southeas tern Underwriters Association. At the reduct of Mayer (Jodfrey, a let ter was addressed to the association by Mr. W. 1). McLean, secretary and treasurer of tho Realty Trust Com pany, of thia city, asking what effect paved streets hail in Hie fixing of in surance rate* for a city. Yesterday Mr. McLean gavo out the correspond ence between himself and the South eastern . Underwriters Association with reference to the matter. iii? letter. In part, of Mr. .McLean to the chief engineer of the South eastern Underwriters Association and the engineer's reply, are as follow?: Mr. McLean's Letter. A. M. Schoen, Chief Engineer, Atlan ta, Ga. Dear Slr: According to your book of "Rates, Rules and Forms," the condi tions of a city's streets is one of the lar.to factors in determining what fire Insurance rates shall apply to that city. According to the Southeastern Underwriters Association classifica tion of cities from a fire insurance rate standpoint, tho city of Anderson ls rated as second class. According to the schedule by which this classifi cation is determined, roy understand ing is that one of the conditions un der which you grant a city UB good a rating as second-class ls that Its atreots must be well paved tn a hard LOVE ANDA FELLOW-FEELING I am the man to fix your teeth so you can eat the pie that I put in the Piedmont Bait I make platea at $6.50 I maka gold crowns at$4.00 Silver niling*? SOc and up. Gold filling* $1.00 and np Painless Extracting 40)?. I make a specialty ot treating Pyorrhea, Alveolarly of the gums and alt ero wit and bringo work and regulating mal formed teeth. All work guaranteed first-class. S. G. BRU C E DENTIST FRI OF A 1 THAT R TALGGS iLDERS 'e will chet The ?nammesN**eaa?m and durable man/ber, and kept in good condition and especially ix this to apply In thc bunine**, manufactur ing und other districts containing large values. I take thin to mean that although a city moy own an adequate supply of modern Are fight ing equipment and although the size of its main? und pressure afforded, be of a very high standard, still a city is not entitled to the classification that these lire fighting facilities war rant, unless the conditions of its streets measure un to the standard, as ' aboi . stated. Chief Engineer Hchoen's Letter. Mr. W. D. Mclean. Secretary and Treasurer. Realty Trust Co., Ander son, S. C. Oeur Sir: Replying to your inquiry of the -ith Inst., beg to say that we con sider the condition of the streets, es pecially in the congested value and large manufacturing districts of cit ies under first or second classifica tion, a feature of most vital import ance. As you know the classifica tion or basis rete of n city ls ar-1 rived ut after a eareful investiga tion of these features, which affect not alone the individual risk, hut tlie city a? a whole, and for which the entire city and not the individual eliixen IK responsible. Thc main items involved when clas sification ls being determined are wa ter supply, pumping and distributing system, equipment of fire department, fire alarm system, condition of streets, and luws and ordinances. For first and second class cities, the streets in the important sections of the city, where considerable values, ure involved, are required to be paved, as the value of a ?veil equipped fire department is grca'ly reduced If the apparatus can not cm any and nil oc casions reach the ?cone of the lire promptly. Consequently, the condi tion of thc street plays an important purt in the determination of classifi cation when our engineers make their recommendations. Yourj vfcsrv truly, A. M. SCHORN. Chief Engineer. Passengers and Crew Safe. On Hoard ?. S. 8. San Diego, vin Radio to San Diego. Calif.. Feb. G. All th?? pas^en.itrs and crew of t:.o steamer Colon, aground inside the 'ht o C-vaters o? Top?lo'a.?.po. Mex ico, will bo saved. The cruiser Mary land and the gunboat Annapolis aro taking off those on board. Discontinue Hervir?. 'RERUN, Feb. G.-(By Wireless.)-] I Among items given out today by the .Overseas Agency were: The Rotter I damche Courant reports that the | White Star and 27 other British ship ping companies have discontinued service in consequence of the recent German proclamation regarding the water J around the British Isles and I France. A PERSONAL STATEMENT There are so-called "honey and tar" preparations that cost the dealer halt as much hut sell at the same price as the original and genuine Foley's Honey and Tar Compound. We | never offer these imitations and sub stitutes. We know you will buy j Foley's whenever you need a cough syrup if you once use lt. People come long distances for the true j FOLEY'S-over thirty years the lead ing romedy for coughs, colds, croup, j whooping cough, bronchial and la grlppe coughs. Evans Pharmacy. KIND AND QU. SECURES RESULTS *rompt Deliver )isfactory Serv easonable Prie RULING BU BLANK BOOKS TELEPHONES: 693- L and $21 trfuily submit des*j nderson Intel) advertising and Prsntin Anderson* S. C. LARGE BARN BURNED ON ?01VILLE FARM PROPERTY OF JOHN R. SN EL GROVE-USED BY HIS BROTHER HEAVY LOSS Structure Was Practically New. Filled With Feed*tuff*-Loss Not Known. News of tho burning of a largo barn near Tonwvllle owned by John lt. Sadgrove of this city und uued by his brother, M. L. Snelgrovo reached the city yesterday. The burn waa an especially fine one, and wau practically new, having been erected something like a year ago. Tho structure stood on Mr. Snel grove'n tarni about three-quarters of a nillo weet of Townvllle. * Mr. M. L. SnelgroVe had several bead of live stock, a considerable quantity of grain, a big lot of cotton seed and a large collection of farm implements in the barn. Whether or not any of the contentsof the structure were saved from the flamea, nothing definite waa learneti yesterday. The news that the barn had been burned down was all that reached the city. The barn was valued at about |800 and wan Insured for $500 with the Realty Trust Company of this city. The insurance on the barn was car ried by tho owner of the Btructure, John Snolgrove. M. L. Bnelgrove carried $250 insurance on his live stock and $500 insurance on the other contents of the barn. SPLENDID LOI FOR USE TOMATO CLUB D. P. Sloan Tenders Large Lot on Society Street For the Girls. A splendid lot of about one-third acre in area and centrally located has been tendered MIBB Janie C. darling ton for the use of the tomato club girls n? the city. The let 1B the pro perty of Mr. D. P. Sloan and ia locat ed on Society Street Twenty-one girls of the etty school have Joined the tomato club and practically all of them have already constructed hot beds and have the seeds In tho ground. A meeting o tthe girls was held last week at the cham ber of commerce when Miss Carling ton gave them instructions in the making of hot beds. As several of the girls interested in tomato club work did not have lots that were suitable for the growing of tomatoes, Miss Carlington set about looking fer a suitabio lot 'in tu? city where all the club girls could ' plant their toraatotes, and Mr. Sloan has tendered her this excellent lot on Society ?treet. A LIT Y y ice es ATIONERY WING and estimates igencer 9 * U. S. RECEIVES THE GERMAN PROCLAMATION (CONTINUED VHOS? PAGE ONE.) includiriK the wliole of the English Channel, are declared hereby to be included within the zone of war and that after February 18 all enemy mer-,, chant vessels encountered In theseV waters will be destroyed, even If lt I may not be possible always to save.| their crews and passengers. jj Vent i ??I rssel* Exposed to Danger? "Within this? war zone neutral ves-I' Bois are exposed to danger Hince in view of misuse of the neutral flags or dered hy the government of Great Britain on January 31 and of the hazards of naval warfare, neutral vest-els can not always bi: prevented from suffering from the attacks In tended for enemy ships. "The routes of navigation around the north or the Shetland Islands in the eastern part of the North Sea und In a strip 30 miles Wide along the Dutch coast are not open to the dan ger zone." Secretary Lansing Issues Statement. Acting Secretary l.unslug lu a statement containing tho proclama tion said: "The German foreign ofilee sent to ike ambassador a long memorandum explanatory of this proclamation". Omciuls are awaiting with much In terest the explanatory memorandum referredsjto. for if lt outlines measures which German naval commanders will take to verify the real character of vessels flying neutral flags and as sures thc American government that every effort will be made to save pas sengers and crews of vessels carrying contrabrand, it IB believed there will remain little ground for protest against Germany's action in advance of anv specific Violation. American Ships Will Not lie Molested. Tlie German embassy today issued a stutement declaring American ships laden with foodstuffs for the civilian population of Germany's enemies would not bc molested, and expressing hope that Great Britain would not by seizing the American steamer Wil helmina, carrying food supplie* to Germany, make necessary the adop tion ot a different policy. German Threat Competing For First Place (CONTINUED PROM PAGE ONE.) cess in crossing the Bzura river is strongly supported and pushed, it may shorten the engagement. Russians Take the Offensive. From all accounts the Gormans, hurled great masses against the Rus sian liiu's. and although they gained ground at som9 points they did not "icceed in 'breaking t h rough, and the Russians were able to take the effen sive in somepurtso" the field. With the tremendous concentration of artillery and rifle Are and bayonet work the losses muBt have been very great. Our correspondent at P?trograd places the German losses at ?0,000. Deep Snow In the Carpathians. In the Carpathians and in Bukowina hard fighting is going on. The Rus sians with a strong, force are making 1 desperate efforts to drive the Aus trians from Dukin and oilier passes, and although the 'show lies deep in the mountains, tin tia tiles continue night and day. Quiet In the West. Along Ute western front, so far as official reports disclose; this has been one of the quietest days for weeks. The artillery, of course, has been busy, but as if by mutual consent, Ute armies have refrained from infantry attacks. ; No Fighting In Egypt There has been no further fighting ! in Egypt, but statements from Turk ish prisoners show the Turks brought a great number of boats across the desert drawn by oxen. . They were somewhat surprised to find a strong force awaiting them and were com pelled to surrender when troops got behind them and hemmed them in. In some cases the Turks were allowed to launch their boats before tue Brit ish opened fire and sank them. Earl Grey, addressing a meeting to day, said that War Secretary Kitchen er in August asked him to appeal to the minera of Northumberland for five new battalions. Instead they raised 20 battalions. How Mr. Davis Got Bia et a Bad Conga. ."Some time ago' I had a very bad cough" writes Lewis T. Davis, Black water, Del. "My brother < McCabe Davis gave me a small bottle ot Chamberlain's Cough Remedy. After taking thia I bought half a dozen bot tles of it but only used one ot them as the cough lett me and I have not been troubled since." Obtainable every l where. Could You th* a finia astra money to good advantage just now? Haven't jon sometjimg to sell ? Do yo? own sornarhmf yon no ?oncer uso? one wnscn m on oreo at . bargain prion wooli ap* peal ot once to some ono who does need H? Aa INTELLIGENCER Want Ad will turn the trick. PHONE 321 . MEMORANDUM EXPLAINING THE PROCLAMATION (CONTINUED VKOM PAGE ONE.) UK- German individuals and property seized in violation of international law. In certain directions they have il KO aided thc British ' measures, which are irreconciliable with the freedom of the sea. in that they hav* obviously, tinder the pressure of Eng land, hindered by export and transit embargoed the transit of war??? for peaceful purposes to Germany. Has Called in Vain. 'The Cern?an government has In vain cailed thu attention of neutral ?lowers to if} fact that it must face the question ot whether lt can longer persevere in its hitherto strict ob.^er vr.nce of the rules of thc London I)e clnration; if Great Britain were to continue its course and the neulr.il powers were to continue to acquiesce In these violations of neutrality, to the detriment of Germany. "For her violations of international law Great Britain pleads the vital in terests which the British empire has at stake, and the neutral powers so>ni to satisfy themselves with a theoretical protest. Therefore, In fact, they accept the vital interests of LelMgerents as sufficient excuse lor every method of warfare. . Will Destroy Enemy Ships. "Germany must now appeal to these same vital interests, to Us re gret. lt therefore sees Itself forced to military measures aimed at Eng land in retaliation against the Eng lish pi overture. Just as England has .leoignated the area between Scotland ar.d Norway as an area of war, co Germany nev/ ciclares all tho waters Burroundine Great Britain and Ire land, including the entire ?h:glish Cuanuel. as an n'ea of war, and thus will proceed sipdnst the shipping of the enemy. Fer this purpose, te ?lnninc; February 18, 1915, lt will ?n deiwcr to deal rev every enemy mer chant ship that is found in thl3 area of w;*r. without it always belog i>os siblo tt> avert i?e peril that thus threatens pei son:? and cargoes. .Neutrals Warned. "Neutrals ?re therefore warned against fut I bur entrusting crows, passengers mid .vares to such ships. Their attention is also called to the fact that it is advisable for their ships to avoid entering this area, for even though the German naval forces have instructions to avoid violence to neutral ships, insofar us they are recognizable, in view of the misuse of naval warfare, their becoming-vic tims of torpedoes directed against enemy ships cannot always bo'avert ed. Ohres Early Notice. "At the same time lt is specifically uoted that shipping north ot the Shetland Islands, in the eastern area of the North Sea and in a strip of at least 30 sea miles in width alon? The Netherlands coast ts not Imperilled. "The German po fern nie nt gives Mich carly notice of those measures that hostile, as well as neutral ts?ips may have time accordingly to adept taeir plans for landing at ports in this area of war. It is to be expected that the neutral powers will snow no less consideration for 'the vital In terests of Germany than .for those of England and will aid Io keeping their citizens and the property of thu lat ter from this area. Thia Is more tc bc expected us it is to the Interest of ti e i cutral lowers to sea th's de structive war eud as soon us possl ele."' Crossed Irish Seo Flying the American Flag (CONTINUED rnOM PACK ONE.) quiry might be made. Pending re ceipt of full Information, comment was reserved. lt was regarded by some as not un likely that file occurrence would fur nish a basis for discussing the entire subject of tho use of. neutral Hags by belligerent merchantmen on account of charges to that effect made in the German admiralty's statement. Violation of International Law. The rules of international law are clear io that each nation has the right to determine for itself the conditions under which Its flag may be bestowed on a vessel. One recognised author ity holds that "the assumption of the flag of a foreign state without its au thor iza tl ou is considered aa a viola? tion of international law, as a device both fraudulent and injurious-to the honor ot the state. Both the state whose flag is wrongfully used and that in regard to Which the use of the false flag ls made have .the right to demand the punishment of the guilty per No La wProhlbltiug Use. Examination of the statutes of the United States reveals that there is no law prohibiting misuse of the Ameri can flag by foreign vessels, though the state department has in the past ordered its consults always to com municate full information aa to auch incidents. Upon the outbreak of war with Chi?? i- IS?fl Peru l?""!?1**! of th* United States what conditions must be complied with in order that a mer chant, vessel might be considered as belonging to the United States and under whit conditions the United States flag might bo used. The American legation in Peru sent 'a note ht reply which waa supple mented by a memorandum from tho secretary ot state, Mr. Evarts, who said that "there ta no prohibition of the uso of tb? American flag by a for eign Vessel beyond the jurisdiction of the United States, or any penalty pro vided therefor." Do Yen Fia* Fault With Everybody! An Irritable, faultfinding disposition ls often due to a disordered stomach. A mah with good digestion is nearly always good natured. A great many have, been permanently benefited bv Chamberlain's Tablets after years ot suffering. These tablais strengthen the stomach and enable it Ut perform ita functions naturally. rbtataable everywhere. FIRE INSURANCE HJRG1ZE FOR THEIR PROTECTION AND THE PROTECTION OF THE INSURED CASH BASIS AU Premiums Must Be Paid by 25th of Month Following Writing of Policy. Fire insurance agents ot Anderson perfected an organization Friday af ternoon with the object In view of promoting better agency principles and to better protect tho interests of the insured and the insurance com panies. The organization is to be known as the "Anderson Association of Local Fire Insurance Agents." The olilcors of the ne' association are: President, Q. Frank Johnson; vice president, W. D. McLean ; secre tary and treasurer, Miss Lola Wilson; executive committee, G. B. Walton, C. E. Trlbble, W. P. Sloan, John Frank and Q. Frank Johnson. The meeting of the agents was held in the offices of the Citizens Fire Insurance Company and was attended by nearly all the fire Insurance agentB in thc city. The association reached an agree ment to place the fire' Insurance bus iness here un a cash basis, by rcqulr- I lng the payment of premiums by the 25th of the moath following the writ ing of the policy. If the premium is not paid by that time the policy is automatically cancelled. This agree ment ls similar to one in force in Co lumbia. Spartanburg, Greenville and Rock Hill. The organization plans to have committees visit premises frequently and make suggestions by which better rates can be had. The following com panies enlisted as members of the as sociation: Realty Trust Company, W. P. Sloan, Piedmont Insurance agency, A. M. Sharpe and company, Misa Grace Spencer, J. M. Cathcart, T. S. Crayton, Sullivan and Moseley, Frank and DeCamp Realty company and Walton Insurance Agency. Mrs. Jackson Improving. CHARLOTTE, N. C., Feb. 6.--The condition of Mrs. Mary Jackson, wid ow of General Thomas J. (Stonewall) Jackson, the Confederate leader, who is critically ill at ber home here, waa reported somewhat improved today. Indictments For Murder. YONKER8. N. Y., Feb. 6.-At least two Indictments for murder are ex pected by Coroner James P. Dunn in connection with the ' alleged killing of eight aged inmates of the German Odd Fellows Home here. Coi oner investigated the story told by Fred Mora, a fonder .employee.at. tho home, that he had put the eight men to death "because they were old ond a nuisance." First *o Traverse Cana!. SAN. FRANCISCO,. Feb..'6-Tho ?Norwegian ship Springbank, laden with wheat for Denmark, probably;., will be the first sailing . vessel to travevse the Panama Canal from the Pacific to the Atlantic. Clearance papers were given here today. CUT THIS OUT NOW If you don't want it today, you may next week. Send this advertisement and 5 cents to Foley ft Co., Chicago, HI., wrltng your name and address clearly. You receive in return three trial packages-Foley's Honey and Tar ' Compound for coughs, colds, croup and j grippe; Foley Kidney Pills, for weak or disordered kldneyl or bladder; Foley Cathartic Tablets, a pleasant, wholesome and cleansing purgative, Just tho thing for winter's sluggish bowel? and torpid liver. These well known standard remedies j for salo by Evana' Pharmacy. Constipation. When costive or troubled with con stipation take Chamberlain's Tablets. They are eaay to take and most agree able In effect. Obtainable everywhere. Kiss Your Coal Stove The ff as. stove has ? the coal stove beaten a rail ]uGn wa VS. rio wood to chop, no coal to car ry, no ashes to take up, carry out, and sift, leaving a trail of dirt and dust from the stove all the way out to the ash pit No fire to coax and cod dle. No excess heat. No "waste. Gas is a guarantee of the right kind of a fire instantly for . any purpose whatever; and it's more economical, too. Anderson Gas Co. v r*??V?vSr A* -v.' '? ? 1 '' Vlf SOUTHERN RAILWAY Premier Carrier of fl* South la Co?, ncctlon with Bloe Ridge, fro? Anderson, S. C. 88JJ0 Columbia, S. C. And return account of Inauguration of Gov?rnor-Elect Riobard I. Man ning. Tickets on sale January 18tb. with return limit January 20th, 1915. S1RJU Tapi?a. Fla. And return account of Gasparilla Carnival. Tickets on sale February ll to ltth, with return limit Febr ary 2Cth. By payment of 51.00 ex tension will be granted until Mar?.h 15th. $15.00 Mobile, Ala. And return account of Mardi Oras Celebration. Tickets on sole Febru ary 9th to 15th with return limit February 26th. By payment of 81.00 extension will be granted until March 15th, 1915. $19.20 New Orleans, La. And return account of Mardi Gras Celebration. Tickets on salo Febru ary 9th to 16th, with return limit February 26th. By payment of $1.00 extension will be granted on tickets until March 16th. $14.55 Pensacola, Fla. And return account of Mardi Gras Celeb- -tlon. Tickets on sale Febru* ary tth to 15th, with return limit February 26th. By payment of $1.00 extension will be granted until March 15th. For complete informa tion, tickets and pullman reservation call on tlckot agent, or write. W. R. Taber, T. P. A. Greenville, 8. C. W. E. McGee, AGFA, Columbia, S. C. Condensed Passenger Schedule PIEDMONT * NORTHERN RAILWAI COMPANY. Effective January 17th, 1915, ANDERSON Arrivals. I No. 81.8x35 a. m. No. 83. 10:00 a. SS. No. 85.11:10 a. m. No. 87.1:15 p. av Na. 89. .. 3:40 p. m No. 41 ....6.00 p. m. Nc. 43.. .. . 9:20 p. m. Departures. No. 80. ... 7.15 a. in. No. 82... . 9:00 a. at, No. 84 .10:30 a. au I Ne. 86 ....1&05 p. fe) No. 88. 2:80 p. fe No, 40. 4:45 p. m. Na. 42. ... ... .. 8:10 p/iST .y .CS. ALLEN, Traffic Manager. 7. Char?estOD k Western Carolina Railway To and From the NORTH, SOUTH, EAST, WEST Leaves: No. 22 .... 6:00 A. M. No| 6 .... . 3:35 P. Ml Arrives: No. 5 ..10:50 A. M> No. 21 ^... 4:55 P. M> Information, Schedules, rates, etc., promptly given. E. WILLIAMS, G. P. A., Augusta, Ga. T. B. CURTIS, C. A., Anderson, S. G. I CHARLESTON-CHICAGO SLEEPER I Taro vga Pullman Sleeping Car Serries via SOUTHERN RAILWAY Premier Carrier of the Santa Effective Sunday, November 22nd, 151'. S'cspsr ?i??uled on CAROLINA SPECIAL Nos. 27 and 28. Schedule ??.???M 8 a. m. Lv, Charleston Ar. 8:40 p. m. ?2.E5 p. m. Lr Columbia Ar 4:45 p. m. 4:80 p. m. Lr Spnrtanburg Ar 1:45 pm 7:30 p. m. Lv Asheville Ar 9:80 a m. 12:05 a. m. Lv Knoxville Lv 5:10 a. au 10:66 a. m. Ar CinclonaU Lv 6:35 a m. 9:00 p. m. Ax Chicago Lv 8:55 a. m. Passengers from Anderson and Greenville territory wiU make coonee* tiona by leaving on trains Noa. 15 to Greenville and 12 to Spartanburc and connecting thera wita th? Chica go sleeper. In addition tn Die through sleeper to Chicago, Drawing Reata Sleeper, fttan^ Pullman Sleeper. Dtolng ear And through coach. * For full and completa Information. X' ** ^*Sr' J^P- **? Greenville, a uibVaG*^^0*'VC*: