Orangeburg times. (Orangeburg, S.C.) 1872-1875, March 13, 1872, Image 6
W. M. SAIN & CO.,
? DEALEES I-UST GBOOEEIES,
IPresTi SupjVlies [Received Daily.
ANOTHER LOT OF SPANISH OLIVES, JUST RECEIVED
C A N N E P MEATS,
Canned F r ti its,
FINE CHEWING AND SMOKING TOBACCO,
YACHT CLUB AND JOCKEY CLUR CIGARS.
A1.SO DEALERS IN
HORSES A BT D MUX, ES.
BSaf j\ fine lot on hand, for sale cheap.
OUR LIVERY STABLE?an fait ascompli,
W. M. SAIN & CO.,
CORNER MAIN AND MARKET STREETS,
feb H_< >KAX(3EKUBG, S. <1
WILHELM THEODOR M?LLER
HAS REPIiEKlSilED IIIS STOC K OF FATA ULKS, &t\
FIVE KINDS OP I1USII SEIM) POTATOES,
ANOTHER LOT THOSE FINE TONGUES.
DUTCH HERRINGS,
LIMBURGER KASE,
BAynaiORE palon ys,
SHADiNES,
IT N E R A LTimor E CA n DlES.
LEAF LARD, A.No. 1?in 3 pound, ? pound, und 10 pound cans.
LA ROB LQT OK *
SHOES, DRY SALT AND SMOKED SUDES,
Western and Augusta Flour,
Anotlioi' Lot; of* IX) cent Hums,
QRIST ANP MEAL.
Ad pickage? fjclitored fro? of charge.
W. T. MULIiEJl.
feb 14
BULL, SCOV1L L & V IKE
Are almost daily receiving additions to their large Stock of
a KNEEAL M E !R C II A. uST D I ^ 1^
BROWN COTTONS AND DOMESTICS.
Now in store, purchased before the ndvanpe.
Just received a full Stock of
BOOTS AND 8 H O E S ,
AL80,
HARDWARE, NAILS, &c.> together with
AGRICULTURAL IMPLEMENTS, for farming ptjrpoHe*,
GROCERIES in full Stock, consisting in part of
BACON AND DRY SALT MEAT.
FLOUR of the well-known brands.
SUGAR AND COFFEE which dofy competition in price and quality
.A.geilfts for
ATLANTIC PHOSPHATE,
Coe's phosphate,
Wando F'ertiii/.er,
Pacific Guano.
Manipulated Guano,
G?anapc Guano, as well as
LIME, LAND PLASTER, &p? constantly on hand.
Bw>-Wo are. also ngerits for well-known F1I1E AND LIFE INSURANCE
COMPANIES;
GERMANIA, of New York.
Andes, of Cincinnati, O.
Equitable Lite Assurance Company, of New ^t ork
And l,is.t, but not ast, the celebrated
SINGER'S FAMILY SEWING MACHINES, an exhibit is sufficient,
We have.and do sell the goods.
HULL, SC?VILL ?S: PIECE.
frb 11
K E R, S il A \V HOUSE,
By A. S. RODGERS, Camdcn, S. C,
Transient Rates, $2 50 per day; pay Hoarder*, per ycc\:,
JJo.ird and Lodging, ptr week, $7,
DR. E. J. OLIVEROS,
ORANG3SBURG. & C
DEALER IN
drugs, mmm, chemicals,
FINE TOILET SOAPS, FANCY HAIR AND TOOTH
BRUSHES, PERFUMERY AND FAN;cy TOILET ARTICLES,
TliTJSHl :K AjSTD ?HOULDER-BEACE18,
(ill.lSS AXD GARDEN SEEDS.
RA 1 NTS, OILS, VARNISHES, AND DYE-STUFFS,
Ijcttor-Paper, Pens, Ink, Envelops, Class, Rutty, Carbon Oil, Lamps and Chimneys
PHYSICIANS* Pit ESOHItVr ions AcCUItATELY compounded:
piehKj _lyr
TMF, ?lViVERSAX. L.IFE
I N S U It A N i) K C O MPANT ,
69 Liberty Street, lNfew "STork.
Tho Original Stock Life Insurance Company qf the 'United fHate
o v v i e E R s:
WILLI AM WALKER, Presidpiit.
HENRY ,r, FUR HER, Viec-Prcsident, JOHN II. ilEWLEY, Becrctarv.
GEORGE L M0NTAUUK, Actuary. D. \y. LAMP.ERT, IX, Medical Exanir.
Tnis Company Offers the Following Important Advantages \o tliusa About
Erlccting Insurance on their Lives.
1st. Insurance at Stock Hatc-s, being from 20 to 30 Per Cent, less thap Ijip Rates charged by
Mutual Companies. *
'Jd. Fach Policy-holder is regarded as a Stockholder to ihe extent p.f one Annual Pruujpm
on bis Policy, and will sbare in the Profits of the Company to the name cxpMit as a Stockttu|t|vr
owning an equal atnoqnt of the Capital Vilich.
.'Id. Every Policy issued by the Company id q(||)rfprfeitahle. and contains a Clause stating iu
exact Surremlcr Value.
Hepoue Lnhuiuno Yoyu Life oa Acceptino the AfjKxc^ \\\' ant Company
READ THE FOLLOWING} !
A lengthened experience has demonstrated that the rates of Prcmitith ordinarily charged by
Life Insurance Companies are from tWtfn|ysfiV? to thirty per cent. in excess pi what are necessary
for a safe and legitimate conduct of the husjpiss, In other \v??rds, caremlly ami prudutfly man
aged Companies charging ".Mutual" rales hayp been able tp ret it in to their policy-holders bom
25 lo 30 per cent, of the annul!it charged fur premiums. ,
When Life Insurance Companies wi re first organized, the reliability of tbe data upop which
the premiums wire constructed had not* undergone the test of experience. It was thought, there
fore, no more than common prudence to adopt a scale of pronouns which wvuhl, in any event,
meet all the presumed and linforseen contingencies of tbe business.
As long as the matter was involved in some doubt, it \\a- belter to Jix tjje rate to<i high tlmn to
incur tbe risk of making it |n<> low; because, in tbe former case, the nrrpr could lie easily lerne
died, at lea.-t in part, by returning to the policy-holders, at certain iiitcrvuls, ?ueh portions uf the
premium charged as was found iipneeeasary fqr tbe purpose* of tbe business and tbe complete
security of the Company.
Fxpcricnce, however, havingSatisfactorily demonstrated that t|tcse rates are excessive, what
possible excuse can there In- fur maintaining them?
Availing themselves of tins experience, the Directors and Manager?-of the Unircfml Life In
*ur<\nce Connmiiy at it* organization, adopted a scale of premiums in accordance theruwith, and
which has proved to be fair and adequate, and all that was necessary to meet the requirements ol
the business. Tluwc premiums; are about twenty-live per cent, lower than those charged by Mu
tual ( ompanics.
It also appeared, inasmuch as the rates au established were as near :\n eoi||d possiMy In- deter
mined fair rates, and not in excess of what Insuranco has previously cost the policy-holders in
Mutual Companies, that any profits nrising from prudent management justly and properly be
longed to the stockholders of the Company, for the risk incurred l)V them in undertaking the
business.
Experience has shown that there are sources of profit in the practice of the business which
theory will not admit of bcjng considered as dements in tlie calculation of the premiums. These
rosillt from a saving in the mortality of the members ofa Company owing to tbe nuilii.al selec
tion of good lives, a gain in interest on tlie invcslinepts of the Company over that assumed in
the calculation of its premium*, the profltd derivabjp from the lapsing and surrender pf Policies
by the members, and from other minor sources.
Profit.- from tbcte sources, in a company possessed of a capital of $200,000, and doing a fair
amount of business, would give to the stockholders dividends largely in excess pf what were
counted on by the Directors of the Universal at the time of its organization, 'fbey pave, there
fore, determined to divide among tbe policy-holders of the Company a large part of the profits
accruing from tjie sources napied, all of which have heretofore been divided among the stock
holders.
The plan adopted for such dividends ia a.i follows: Every person who may hereafter issure
with the Unirertal wiii, for the purpose of division, be treated as a stockholder ts the extent of |
one Annual Premium upon bis Policy ; and will share in the profits of the Company to precisely the
mine extent a* a StoekholiUr w iny on equal amount of the capital ttocJ:.
By tbi< system of Insurance, original with the Vnivcrsid, the policydiolder secures the follow
ing important advantages;
Flltsrr. Insurance at /Ac regular "Stock" rates, requiring a primary outlay of alxmt twenty
In thirty pee cent, less than that charged by Mutual Companies, a|ld which is equivalent to a
yearly "dividend" paid in advance uf that amount on mutual rates. This low cost of insuranpp
is worthy of attention. Since its organization this company has received in premiums from its
polit y-holders the sum of $1,517,000. To ellect tho same amount uf insurance in a Mutual Com
pany would have cost them an initial outlay of S2,000,000. by allowing its pohpf-holdprsto re
tain in their own possession this excegs of $483,000, the Universal ha* virtually paid them a
"dividend" of $483,000, and paid it, toy, in advance, instead pf aj, the ond ?f ppn or more ycur<i.
It is impossible to lind apv example of a Mutual Company furniuhing insurajipo ?t to low a cost
by returning to its policy-holders an equal amount upon similar receipts.
second. Participation in the legitimate profits of the Company, upon a plan which ."cures to the
policy-holder* the same, trmtnurnt which l)irectnrs and Stockholders a\vard to themselves. This system
of participation, in connection with the low "stock" rates of premium, most pepesrarily secure to
the. policy-holders every advantage to be derived from prudent ancf careful management.
The low rates of premium compel econumy, and, independent pf participation, guarantee tpthc
policy-holder his insurance at a rate which is not in excess of tjpj cost in wel) managed mutual
coinpaniesr while, by the proposed plan of participation in what may be considered the legiti'
mat.' profit* of the business, the cost will be still further diminished.
Tims bv the combined advantages arising from low stock rate and participation in the profits
it is confidently believed (bat t}ic UNIVERSAL LIFE INSURANCE COMPANY ?fters in
Sil ranee at its lowest prucliealjle. oc-iit.
H@rTho30 of the existing Policy-holders who desire to participate in the Profit* under the new
Plan can do so by making application to tho Head Office, pr tp rfqy of the Agents of thp Com
pany.
The. company is in a waul financial condition.
lluttQ e-f Asset? tft Liabilities 140 tculOO
toy-<!Oon RELIABLE AGENTS WANTED, who will deal direct with the New York
ofi'ue, and to whom full General Agents' Cmnmissions will b? paid. ,
M. W. GARY,
M. C. BUTLER,
State Snperinteudents of Agencirts.
Cohunbin,vS. C.. September 11th, 1R7I,
central hotel,,
(PLA^If .STREET,)
COLUMBIA, S. C.
Hoard - - - - -$2/Pcr Day,
1_D. B. CLAYT6??; Proprietor..
COLUMBIA HOTEL,
COLUMBIA, S. C.
Thin first-class and entirely ? new establish
ment, located iti ? the business midst of Kouth,
Carolina's Capital, affords the very be?t ?ceora-.
mo<hpionuto tbc travelling public and perma
ncnt guests. Large Airy Boom?, elegantly fur-,
nished,, Gas, Belts, and "Water throughout.
Ladies' and Gentlemen's Baths, hot and cold,
Telegraph Office in tbe Rotunda; spacious
Billiard-Room, furnished with Phclan & Col
lender's best Tables; and with all the modern
improvements of afirst-class hotel. The
Is in all respects, one of the first houses South.
The proprietor - haying bad an cspcrienee of
nearly a quarter of a cerjU.PTin the management
of the Cliarlestoh Hotel, is rufficient guarantee
that the "COLUMBIA/* will be found as rep-,
rcseptcd. ? ? *1
WM. GORMAN,
Proprietor.
J. D. BiTp?H, 1 Awistanti
d>. P. ?^i^PEy^J_T __
ge6? iiiia fiiNS,
GENERAL INSURANCE AGENT,
COLUMBIA, S. C.
Oilice opposite tho Columbia. Hotel, ii\
rear of Air. W. J. DufbVs Book Store.
GEO. IIUGG1NS.
_ 1.V2G_ , Agent.
" jambs allan.
pU.\I.KB IK
WATUnES, CLOCKS, JEWELRY, STKIt
? LING SILVER," ?
SnppTAC?l^] eyk-Gt.a? iV asm fancy <ioot?3.
No. ."107 Hin?; street,
Ctt?W?rfoK; # tt 1-2?J
Charlotte,Columbia & Augusta R. R.
Train No. I. Tttiin No. i*.
Unve Augtlfta. - -. ?.25 A. M. ?..uu p. M.
Leave Columbia - - biOU A. M. 11.00 P. M.
\rrivp Charlotte - - >?l\ft P. M. 5.J0 A. M.
oots,? sOfTIt. *
I^wve Charlotte - - 7.10 A. Mi 8.15 P. M.
Uave Coluiabui - - 1.67 1*. M. 2.30 A. M)
Arrive Aunuxu - - 0.50 P. M. 7.:.u A. Mj
Nu. 1 Train daily. Trains Wake eli?*f
cuntieetinu to, all pointv North,'Sotpli aiul V'ot.
ThroUgl) tjpkrH and b?ffgaga i.}ievked ?
tu all pruuipat point?-. Slatidam 'time?NVarli?
itigtoit City tiiur. K. 1?. ALL-\ANM:K.
Guiicral superintendent.
E. 15. DoiasKY, Gen. rrvight andTTyket Agtj
South Carolina R. R.
. ?! ? , ?? '? 1 . i i ii1 fiVii i ft -.i
MAIL, axiv CAH-iEX^Klt TltAlNV
Leaves Columbia at \ - V.-10 a n\
Arrivo at Chsplcsum at - - 8.20 p u\
Leave ('lmrlcytpu at ? ? - - 0.20 a ti;
Arrive at Columbia ;it z - - 3.40 p uj
Ui(i}\T l;X!'l'.K-tf,^H*'.101tT AM? ACioMMol>.\':l Of
TRAIN, (Sundays eseepted.;
Leave Columbia U( r 7.50 p n\
Arrive at Char)ei<ipp at - - 0.45 a iij
Leave C}iarlc?to,n at 7.10 p u\
Arrive at Cphijphta at - - li.tHI a it]
Cnmde'n Apcilptinouadtin Train will routimuj
lo min to ?C'(|b|tiil)ia n? formerly?M>:i,,!.i\-(
Wednesdays and Satnrdaw.
" A. L. TY4%ER, Vh-e-Prosidcnt.
S. B. Pn'i{KN*s, General Tickftt Agent. ?
(Jresnville h Columbia R. R.
CP.
Leave. Columbia at - : - . 7.00 a rt\
" Alston' - - - - 9.10 a iii
'> Nc^j/borrv - - - - 11.15 a m
i' Crtkesbury - r 3.00 p u>
" Rfilion - - - - - ft.00 p ni
Arrive at GreenviH^ - - * 0.30 p m
" DOWN.
Leave Greenville ai ... fi.lA a m
" Belton - 6.0.'? a n\
i- Cokesbury - - - 10.07 a n\
tl Abbeville - - - '8.15am
!' Newbcrry - - - 1.80 j) nj
t? Alstoh - - - 4.031? n\
Arrive nt Columbia ... 5,.Vi p m
TIIOS. TX)DAMEAP,
Cteneral Superiptcndent.
M.. T. Bar-t^etTi General Ticket Agcnl
Spartanburg and Union R, R.
VOWS THAIX t'P TRAIN.
Arrive. Leave. Arrive. Leave.
Spartanburg 5.30 '0.25
Batcsvillc 0.00 6.00 4:53 4.53
Pacolet 0.08 0.18 J.-tO 4.45
Jonesvillc 6.43 Q.48 4.?.5 4.10
Unionville 7.25 7.50 3.05 3\25
Santuo 8.20 $.85 aLtJO 2.35
Fish Bam 8.40 8'i6 ii.10 2.15
Shclton 9.15 iMjp, 1.35 1.40
Lyles? Ford 9.40 9145 MS 1.17
Strcther ' 10.05 10.10 12.50 12.55
AUton 11.00 1200
THOS. B. JETER, Pree}dept..
Blue RIdgjs R,
Leaf ij Anderson - : ? ?.00 p m
?' Pendieton ? r r 7.00 p m
" Perryvillo r ? r 7.45 p m
Arrivs at Walhall? ? - r $.30 p rq
Leave Walhalla r .- r 8.45 a in,
" Pcrrvville - - ? 4,30 a tn
" Pcndlctot? r ? 5.39 a pj
Arri>"aat Andsrse^ ? ? - 6.30^