Orangeburg times. (Orangeburg, S.C.) 1872-1875, March 20, 1872, Image 5
MM if in i |> n< ? ..ji. .iib.i .'MP*"Um'
T?B CITIZENS' SAVINGS BANK
OP SOUTH CASR?TL.I2XJ?,
OBANGEBURG BRANCH.
: :fl liVs titivA tiAi 4? bus biwri1
Will pay 7 PER CFNT; INT.ERE8T on SPECIAL DEPOSITS and ?PER CEN'T. on SAV
INGS DEPOSITS, Compimndcdbcrmo.muiriUy.
ihi \ $ $ ?..?? Ip.S. ?
Local Finance Committee.
Hon/TH?S, XV. GLOVER.
Col. PAUL S. F?LDER.
Capt. JOHN A. HAMILTON.
JAS. H, FOWLES,
mcb 19-ly Assistant Cashier.
BILL, 8COTILL & PIKE
Are almost daily receiving additions to their large Stock of
GENERAL M E R C HA '1ST 33 J i'Z E
BROWN COTTONS AND DOMESTICS,
Now in store, purchased before the advance.
Just received a full Stock of
BOOTS AND S H O E S .
ALSO,
HARDWARE, NAILS, &c, together with
AGRICULTURAL IMPLEMENTS, for farming purposes.
GROCERIES in full Stock, consisting in part of
BACON AND DRY SALT MEAT.
FLOUR of the well-known brands.
SUGAR AND COFFEE which defy competition in price and quality
Agents tor
ATLANTIC PHOSPHATE,
Coe'n Phosphate,
Wando Fertilizer,
Pacific Guano.
Manipulated Guanc,
Guannpc Guano, as well aa
LIME, LAND PLASTER, &c., constantly on hand.
JB?-We are also ageuta for well-known FIRE AND LIFE INSURANCE
COMPANIES:
GERMANIA, of New York.
Andes, of Cincinnati, O.
Equitable Life Assurance Company, of New \ or
And lost, but not ant, the celebrated
SINGER'S FAMILY SEWING MACHINES, an exhibit is sufficient.
We have aud do sell the goods.
BULL., SCOVILL & PIKE.
feb 14_ _ ^_
WILHELM THEODOR MULLER
HAS REPLENISHED HIS STOCK OF EATABLES, &c.
FIVE KINDS OF IRISH SEED POTATOES.
ANOTHER LOT THOSE FINE TONGUES.
DUTCH HERRINGS,
LIMBURGER KASE,
BALTIMORE BALONYS,
SH A DIN ES,
FINE BALTIMORE CANDIES.
LEAF LARD) A. No. 1?iu3 pound, 5 pound, and 10 pound cans.
I.a Kd 1: LOT OP
SHOES, DRY SALT AND SMOKED SIDES,
Western and Augusta Flour,
Another Lot of'10 cent J fains,
GRIST AND MEAL.
S&~ AH package* delivered freu of charge.
W. T. M?LLER.
feb 14
W. M. SAIN & CO.,
DEALERS IN GROCERIES
Eresh Supplies Received Daily.
ANOTHER LOT OF SPANISH OLIVES, JUST RECEIVED
CANNED MEA T S ,
Canned Fruit.?:,
FINE CHEWING AND SMOKING TOBACCO,
YACHT CLUB AND JOCKEY CLUB CIGARS.
ALSO DEALERS TV
HOR8SS AND MULES.
SSif A ?fine lot on hand, for sale cheap.
OUR LIVERY STABLE?au fait atcnmpli.
W. M. SAIN & CO.,
CORNER MAIN AND MARKET STREETS,
feb It ORANGEBURG, S. C.
CENTRAL HOTEL,
CP LAIN S THE ET,) '
COLUMBIA, 3. C.
Board.$2 Per Da}
1 D. B. CLAYTON, Proprietor.
COLUMBIA HOTEL,
columbia, s. c.
TIuh first-class and entirely new establish
ment, located in the businew midst of South
Carolina's Capital, affords the very best ncootn
modationsto the travelling public and perm a
nent guests. Largo Airy Rooms, elegantly fur
nished, Uaa, Bells, and Water throughout.
Ladies'and Gentlemen's Paths, hot and cold,
Telegraph Otliee in the Botuuda; spacious
Billiard-Boom, furnished with Phelau A Col
lender's beat Tables; and with all the modern
improvements of a first-class hotel. The
"COLUMBIA"
Is in all respects, one of the lirst houses South.
The proprietor having had an experience of
marly a quarter of a century iu the management
of the Charleston Hotel, is sufficient guarantee
that the "COLCMIII.\" will he found as rep
resented
wj*i. gorman,
Proprietor.
Jas. F. Gadsijkn, ) AMWlaiit*.
?ESO. I11TGC2IXS,
GENERAL INSURANCE AGENT,
Coixmiha, S. C.
Office opposite the Columbia Hotel, in
renroi'Mr.NV.J.DurHe's Hook Store.
GEO. HUGO INS.
_J3-20 Agent.
JAMBS ALLAN:
llK.vi.UIt ix
WATCHES, CLOCKS, JEWELRY, STER
LING SILVER,
SPKCTAt'LKS, EyK-Gi.ASsKS .VXD FaXCY goods
No. .'{07 King street,
Charleston, S. 0. 1-20
Charlotte, Columbia & Augusta R. R.
Train No. 1. Train No. 2.
Leave Augusta - - 3.25 A. M. 8.00 P. M.
l^ave Columbia - - 8.00 A. M. 11.00 P. M.
Arrive Charlotte - - 2.15 P. M. 5.20 A. M.
not NO SOOTH.
I*avc Charlotte '- - 7.40 A. M. 8.1-*i p. M.
Leave Columbia - - 1.07 P. M. 2.30 A. M.
Arrive Aunusta - - ti.oO P. M. 7.30 A. M.
No. I Train daily. Trains make close
connection to all points North, South anil West.
Through tickets sold und baggage cheeked
to all principal points. Standard time?Wash
ington City time. K. P. ALEXANDER,
(icucral Superintendent.
K. R. Dohskv, (Jen. Freight and Ticket Agt.
South Carolina R. R.
maw. axi) i'asskxokr TltAIX.
Leave Columbia at - - 7.40 am
Arrive at Charleston at - - 3.20 p m
Leave Charleston at ... 8.20 am
Arrive at Columbia at - - - ?$.40 p m
XIOUT KXl'ltKSS, KHKIOHT AXI) ACCOMMODATION
thaix, (Sundays excepted.)
Leave Columbia at 7.50 p m
Arrive Charleston at - - 0.45 a m
Leave Charleston at ... 7.10 \> in
Arrive at Columbia nt - - 0.00 a m
C'amden Accommodation Train will continue
to run to Columbia as formerly?Mondays,
Wednesdays and Saturdavs.
A. L. TYLKR, Vi. e-Prcsident.
S. P.. Pick ens, Genend Ticket Agent.
Greenville & Columbia R. R.
UP.
Leave Cohimhia nt 7.00 a m
Alston - 0.10 a m
" Newbcrry - - - 11.15 am
" Cokesbitry ... 3.on p ni
" Helton - * - - - - 5.00 j> m
Arrive at Greenville ... 6.30 pm
DOWN.
Leave Orcenville at ... 0.15 a'in
Bclton .... s.o.", n m
" Cokchbury ... 10.07 a m
" Abbeville ... s.I."i n in
" Newbcrry ... 1.50 p m
" Alston .... .j.ofi p ni
Arrive at Columbia ... 5.55 p m
THOS. DODAMKAD,
(Seueral Superintendent.
M. T. Uaiiti.ktt, General Ticket Agent.
Spartanburg and Union R. R.
DOWN Tit A IN. XV TltAIX.
Arrive. Leave. Arrive. Leave.
Spartanburg 5.30 5.25
Batcsvillo 0.00 (1.00 4.53 4.53
Pacolct 0.08 0.13 4.40 4.45
Joncsvillc 0.43 <i.4* 4.05 4.10
Unionvillo 7.25 7.50 3.05 3.25
Santlie 8.20 8.25 2.30 2.35
Fish Dam 8.40 8.45 2.10 2.15
Shelton 0.15 0.20 1.35 1.40
Lvlcs' Ford 0.40 9.45 1.12 1.17
Strothcr 10.05 10.10 12.50 12.55
Alston 11.00 1200
TIIOS. B. JETER, President..
~Bl?e~Ridge R. R.
Leave Anderson ... (},00 p in
" Pendleton ... 7.00 p in
" Pcrrvvillc ... 7.45 j> m
Arrive at Walhalln - - - 8.30 p m
Leave Walhalla ... 3.45 !t ni
*' Pernlviilc ... 4.3t) a ni
M Pendleton - - 5.39 a in
Arrive at Andcrsor. ? - ? O.oUsm
DR. E. XjOUVEROSE
!:ft '?' ,???;?..?> fJWP t 19VO ?>%' "
DEALER IN ? fttt ?/ a
flffS, MEDICINES, CHEMICALS,
eine toilet soaps, fancy hair and tooth
BRUSHES, PERFUMERY AND FANCY TOILET ARTICLES,
t:rtjssiss and siioxjriDiuR-RRAci!:?,
(MUSS .INI) GARDEN SEEDS.
PAINTS, OILS, VARNISHES, AND DYE-STUFFS,
Lertnr-Papcr, Pens, Ink, Envelops, Class, Putty, Carbon Oil, Lamps and Cbimneys
PlIYsiri ans' PaKHCIMlTIoNS AlXVn.XTKW ('oil VO I'N I > k D:
inch I a Ivr
THE IT$1 VERSAI* LIFE
I NSVR A NC E GOMPAN
69 Lihertv Street,- New 3Tork.
The Original Stock Life Insurance Company of the United ?
C) V F I 0 E R S :
W IXiHiIAM YVA1 JvKU, Piesidciit:. ?
HENRY .J. 1-TJRRKR, Viec-President. JOHN H. RFAYLEY, Svcr*tarv!
GEORGE L. MONTAGUE, Actuary. I). W. LAMBERT, M D., Medie.il Exam r.
' \. \'\.1 ? ted ?7''i'-. tUsll
Tnis Company Otters the Following Important Advantages to thosa About
Effecting Insurance on their Lives.
1st. Insurant*! at Stock Rates, being fruai 20 to 80 Per Cent. Iciw thn* tbe Rate* charged by
Mutual ('ompnnies.
2d. Knuh Policy-holder is regarded a* a Stockholder to tbe extent of one Annual Pr< miuui
du hi* Policy, and will share in the Profit* of the Company to the miiicuiuu.u u Slinkhouirr
owning an espial uuiount of the (.'npitul Slock.
3d. Kvery Policy issued by the Company U nnn-forfcitnhlc, und contain* a Cla'tW htnthig ie?
exact Surrender Value.
Heroin: Ixscit:no Yoyu Lirnoit Acrurnxn ritr. Aoknca or as~. Comi'asy
READ TH'j FOLLOWING
A lengthened experience bris aenUinsirntfd that the rote* of Pumitim ordinarily ihargtd by
Life Insurance Companies nrv from twe-nty-fiyc to thirty per cent. Iiiy'xw?*nt^wl.al nr? nun,;u/
lor a Mile aud legitimate conduct of the business, lu other words, c.tu-itilly and prtu'.tMly man
aged Companies clunking "Mutual" rates Inno been aide to icimn tu ibeir \obey-bold?in Horn
_-> to 30 per cent, of the amount charged tor premium*.
Wben Life Insurance Companies Were first orgiuiLtcd, tbe reliability ot tbe duta Upon which
tho premiums wi re constructed bad not undergone the tc.-t ot ixpciicucv. it v il,m.y hi, th?n -
fore, no more than eomuion prudence to adopt a scale of premium'* which would, in to.v ?\?m.
meet all the presumed anil uul'orseeii coining.ncici? Of tili! f?t??hie*Mi
As hing a* the matter w.i- involved in some doubt, it was he tier *V ',s ''1V r-lK' u'u bifrb tlMili U>
incur the rick of making it too low; becna-e, in the former i-.im-. the error eotiid be ennily i?mt
died, at lea?s| in part, l>y returning to tbv poitey-liobb'tV, at certain intervals, mirii poiiioiu ul tlo
premium charged as was found i.iiuccc*<>ary for the purpotHat of tbe biiniuiM and the eonipb te
security ol the Company.
Kxpcricnec, however, Ictving'atitisfaetorily deiimnstratetl that these rat?? arc e'iix^lve, tvkal
possible cxeii>K! can there he tor maiuinining them?
Availing themselves of thin experience, t tie Directors and Manager, of tbe L'nimwi/ Ufi /??
tu itt nt r Cum puny at its orgauixation, adopt eil a ale of ureiiiiuitui in neeonlniiH) ihirvwitb, and
which hns proved to he lair aud uiletpiaic, and all that \v:W ntci^-ary to ineit the ruptirt im nt^ of
the bushiest". These premiums arc hIioui twenty-live percent; lower than tlitv* cliMgul ky .Mu
tual ('oiupanies.
It al-o appeared, inasmuch as Die rates >o established were a." near m? could JhmwI^Iv 1? di ter
mined/?iV rates, aud not in exec** of what limurauou bus pibvioiiMiy com the pol.'cy-hobliin ui
Mutual Companies, that any profits ariMiig fiotu prudent uianagement .jtiMly ana ptupirly hi?
longed to the stockholders of tbe Company, [or tho rbk iueurnd by them in untUrt.(king the
htismess.
Kxpericnec has shown that there are wmiiccs of profit in tho pnutier of the bu?itu>? which
theory will not admit ot being eotisidered as elements in rhe ?decbition ot tbe prcmimm>. TktM
reKiitt from a naving in tbe mortality of the memhers of a Compiiny owing to the nudinul ?*bt
tion of good lives, a gain in inteu.-t on the investments of the Company over that nulluni in
the calculation of it* preminnw, the profits derivable from the. lapsing and Htvrenthr of 1'olieitn
by the mcmhers, nnd from other minor source*.
Profits from these Hour ires, in a company potwetaed Of n capital of $200,000, and doings fair
uuiount of latsiness, would give to the .stockholders dividends largoly in exits* id what wue
ei>unted on by the Directors, of the Unirerml at tbe time of its organization. They luive, there
fore, determined t<? divide among the policy-holders of the Company a large part of the profits
accruing from tho sources named, all of which have heretofore been divided among the ktock
holders.
The plan adopted for such dividend* is as follows: Every person who may hereafter tmnira
with the / 'uiin:<ul will, lor the purpose of division, he treated as a ?tnckholdrr to the extent ot"
one Annual Premium upon his Policy; und ui'll ?hure in the profits of the iompany to peeeitely the
I ?wiinc erteut ti.% a Stockholder owing on equal amount of the capital *t<>rk.
I Hv this system of Insurance, original with the I'niremul, the policy-holder secure* the follow
ing important advantages :
l'lltsr. Jnmranre at the regular "Stock" rtdes, requiring a primary outlay of ubovt twenty
to thirty per cent, las than that charged by Mutual Cbia/HlliitV, nnd which i* equivalent In iv
vearly "dividend'' paid in advance ot that ?mount on mutual rates. Tin.- low cost of insurance
i* worthy of attention. Since its organization this company has received in premiums from ita
policy-holders the sum of $1,017,000. To eflect the miiiiu amount of insurance in a Mutual Com
pany'would have cost them an initial outlay of $2,000,000. Ry allowing it* policy-holden?to re
tain in their own possession this excesa of $483,000. the Universal has virtuully paid them a>
"dividend" of $488,000, nnd paid it, too, in adrance, instead of at the end wf one or more years.
It is impossible to find nnv example of a Mutual Company turnishing insurance nt ?6 low a nr .-1
by returning to its policy-holders an equal amount upon similar receipts,
SlX'OXn. Particijuitioh in the legitimate profit* of tt,e Company, upon a plan which leeuret ta the;
polify-hol<Jcr? the mute treatment which.Director* and Stuckholtlers award ta tliitimitr*. Thi5 system
of participation, in connection with the low "stock" rates of premium, mo?t mco.Nirily <rcur? to*
the policy-holder* every advantage to be derived from prudent and careful managenuiit.
'Ihr low rates of premium compel economy, nnd, independent of participation, guarantee to the
policy-holder his insurance at a rate which is not in excess of the cost in well managed mutual
compunicar while, by the proposed plan of participation1 in what may be cbusidereo the lejiti
mate profits of tbe business, tho cost will be still further diminished.
Thus bv the combined advantages arising front low stock rate and participation in the profit*
it is confidently believed that the UNIVERSAL LIKE INSURANCE COMPANY ofler* in
surance at its lowest practicable cost.
tfta>" Those of the existing Policy-holders who desire to participate in the Profits under ?!9f??w
Plan can do so by making application to tho Head Office, or to any of tbe Agents of the Com
pany.
The rompany is in a sound financial condition.
Italia of Artels io Liabilities 140 to 100.
8?TG00D RELIABLE AGENTS WANTED, who will deal direct with the New York
Office, and to whom full General AgeMits' Commifisiom? will be paid.
M. \V. GARY,
M. C. JlUTIdvR,
Stato .Superintendeut* of Ageuvlei.
Columbia, S. C, h'cptctnber 11th, 1371.