Orangeburg times. (Orangeburg, S.C.) 1872-1875, March 27, 1872, Image 4
THE
??- :. . . '
of south: ?A:&?:lina:, ' '
Will pay 7 PER CTNT. INTJ^REST on SPECIE DEPOSITS and 0PEE CENT, on 84
INGS DEPOSITS, Cbm*^otmde4P?ial:^4c^7- ^ fa ?VMViimTTA
Local Eineince O^t?M^?1. !?0?
u ,ii -dj-t-u it,Jiu huoierauu ll>jifi.^H<!)S. W. GLOVErA.l*^?<e???"K)
*i J dud* lu IIa ,Kt-.m^?'i/!C^LPAl^SttE?IiiDER. .an n :.A;
?Vb?li*>ie si ol ,oa fc.^itq OApt?iflfOHN A. HAMILTON.
. ? y. : , . ?"'?.I,t?:'l'-.T,V-,W?a JA, a^irrotJA-1
nrl
UM? BUt_Oi iMdiduij KifUrl^j I'j^'V'.
GEdSTE'EA
R-?-L"Ik'-#'Ci?CKy rJi'^ -&"JT*T K
.Y3Jt#AlI .?j^ ^most daiIrr??vIh r^additiona to .their, large Stock 6#_^_ ,
C II -A. 2s I") I
TK30 WMHKSt P?l^^S;lA^,1l*^BSTleS*'?
. ~.?z^iiD .OJttfasoKXji?
X) M .MUtlatll'J Just received & full Stock of
B O O l S,.; A N^J?g?fc^iB- S .
ILARDjVARE, NMLS, together with ^ jP?
? AGRICULTURAL IMPLEMENTS, for forming purposes.
?to ea?lO
I
da
?!
ATLANTIC PHOSPHATE," h?**<2 ?r?^ McraijUa ,*ai?fc?tO
li^iaWUT 9^'8PhMPhat^Ajtta<i -Twjw*
rtu o? UUri /vn ^p^(?G?hho. v
w had*i rMK **t? wan cull w> <l J}<^[pulated-Guanov
,tl*d erfi ic/1 yuaan* G?auapo Guano, as well as" ?
81 M M O 0 I
LIFE INSURANCE
LIME, LAND PLASTER, &c, constantly ou hand.
Jt?rWe are alao agent* for well-known FIRE AND
COMPANIES: Vo nh*.tml bnt td v?l*t(l aiatNorfY?
GERMANIA, of New J-WLHi Ml
Andes, of Cincinnati, O. .
Equitable Life Assurance Company, of New Y ork
And last, but not least, the celebrated
SINGER'S FAMILY SEWING MACHINES, an exhibit is .sufficient.
We have and do sell the goods.
BULL,, SCOVILL & PIKE.
feb 14
WILHELM THEODOR M?LLER
HAS REPLENISHED HIS STOCK OF EATABLES, &c.
FIVE KINDS OF IRISH SEED POTATOES.
ANOTHER LOT THOSE FINE TONGUES.
DUTCH HERRINGS,
BALTIMORE BALONYS,
FINE BALTIMORE CANDIES.
l^EAF LARD, A. No. 1?in 3 pound, 5 pound, and 10 pound cans.
!ftf*df tl flYCniAH 8'OE(XIAT8IfiK') . - "
LA HOE I/)T or
:t?..u In atMn*i bej ?'.??' it-o ?I .ir+i i ar. ; f? i ? {MTjlfrT { ! ?t,"*
SHOE^, DRY SALT AND SMOKED SIDES,
Western and Augusta Flour,
1 Anoth?i*'Eot ol'lO cent Hams,
? i??*>? :<'.>iu u(jaui mi li \9bQlq$u? it) {
GRIST AND MEAL.
1. i 'i ???j*gS nolkjhrwoh 7n^to waahb?/?! c.troiUi? Jbtodatuod adi r 11 . ; -i
?^" All packages delivered fr?? of charge. 11
W. T. MUZiLER.
feb H_. _i_
:t n i j ~~
W. M. SAIN & CO.,
j .i"?l:i> tlcoSJl iilw-i U rioioi ir :tn , 'HMtci ici-j 1 adi IIa m *Bn \yl\
DEALEE8 I^T GBOOEEIEB.
b ; < *????'.! hli..? Biior?-.'t i ,*? /,_?", *r. - - . , J ' . ,
iEYesTi Supplies jRoceived Daily.
ANOTHER LQT OF SPANISH OLIVES, JUST RECEIVED
CANNED .MEATS,
O a xi n o d Fruits,
FINE" CHEWING AND SMOKING TOBACCO,
YACHT CLUB AND JOCKEY CLUB CIGAKS.
HU -:U 11 .ox l .n,.U?>dJ?W DKALBB8 IM
HORSBS AND MULES.
1 . ? ? -
A fine lot on hand, for Bale cheap.
if :i;n 11 ?f i. I
OUR LIVERY STABLE?qu fait tueompli.
W, M, SAIN & a o.,
CORNER MAIN AND MARKET STREETS,
jebH ORANGEBURG, S. C.
>?>(
C?W^CRA^ HOTEL,
' W^LAIN STREET,)
COLUMBIA, S. C.
Board - - - - 42JerB^
1 ' . P. B. CLAYTON, Proprietor.
COLUMBIA HOTEL,
COLUMBIA, 8. C.
-
This first-class and entirely new establish
bient, lecated in the business midst of South
Carolina'? Capital, afford* the very best aecom
modationsto the travelling publio and.pcrma
nentgueftU*. Large Airy Rooms, elcguntly fur
nished, Gris, Bells, nnd Water throughout.
L'adieVabrf'Gentkmcn's Baths, hot and cold,
Telegraph Office- in the Rotunda; spacious
Billiard-Room, furnished with Phvlun ?S; Cob
lender'h best. Tables and with all the modern
hu pro veiuonts of a first-eias? hotel, Tho
uCOIiUMBIA"
la in all respecoy one of the first houses South.
, The proprietor having had au experience cf |
nearly a quarter of a century in the management
of the Charleston Hotel, is ruflicicnt guarantee
that the "COLUMBIA" will be found ns rep
resented
to WM. GORMAN,
Proprietor.
t(VSnrv 1 Assistants.
Jas. i. Gadsden, j
GENERAL INSURANCE AGENT,
Columbia, S. C.
Office opposite the Columbia Hotel, in
rear of'Mr. W. J.Duftie's Book Store.
GEO. HUGGINS.
1?-2C_ Agent. _
JAMES ALLANi
DEA1.l-.lt in
WATCHES, CLOCKS, JEWELRY, STER
LING SILVER,
SpECTAOi.Ef, Eye-Glass is and Fancy Goods
No. 307 King street,
? 1 Charleston, S. 0. 1-26
Charlotte, Columbia & Augusta R R.
Train No. 1. Trabi No. 2.
Leave AuguRtn ? - 8.25 A. iL 6.00 1'. M.
Leave Columbia - - 8.09 A. M. 11.00 P. M.
Arrive Charlotte - - 2.15 P. M. 5.20 A. M.
OOINO soctii.
Leave Charlotte - - 7.40 A. M. 8.15 P. M.
Leave Columbia - - 1.57 P. M. 2.30 A. M.
Arrive Aunutita - - 0.50 P. M. 7.30 A.M.
No, 1 Train daily. Trains make clo*u
connection to all point* North, South and West.
Through tickets sold and baggage checked
to all principal point*. Standard lime?Wash
ington City time. K. P. ALEXANDER,
General Superintendent.
E. R. Dok?bv, Gen. Freight and Ticket Agt,
South Carolina R. R.
mail amp i'assknokk train.
Leave Columbia at - - 7.10 a m
Arrive at Charleston at - - 8.20 pm
Leave Charleston at - - - 8.20 a m
Arrive at Columbia nt - - - iS.40 p m
Niunr express, Fiuuairr and accommodation
THAIS, (Sundays excepted.)
Leave Columbia at 7.?0 p m
Arrive at Charleston at - - <>.4? a m
Leave Charleston at - 7.10 pm
Arrive at Columbia at - - 0.00 a ni
Cumdcn Accommodation Train will continue
to run to Columbia at* formerly?Mondays,
Wednesdays and Saturdays.
A. hi TYLER, Vicc-Prcsident.
S. B. Pickkns, General Ticket Agent.
Greenville & Columbia R. R.
up.
Leave. Columbia at 7.00 a m
" Alston - 9.10 am
" Newbcrry ... 11.15 am
" Cokcshufy - - - 3.00 pm
" Rt-lton -' - - - - 5.00 p m
Arrive at Greenville ... CM0 p m
DOWN.
Leave Greenville at ... 6.15 am
" Belum .... 8.05 a in
" Cokesbury - - - 10.07 a m
" AbWvill? - - - H.I 5 am
" Nowherry ... ],o() p m
" Alston .... 4,05 p m
Arrive at Columbia ... ,',..",,") p m
THOS5 DODAMEAD,
General Superintendent.
M. T. BARTi.vrrr, General Ticket Agent.
Spartanburg and Union R,* R.
down train. up train.
Arrive. Leave. Arrive. Leave.
Spartanburg 5.30 6,25
Batosville 6.00 6.00 4.53 4.53
Paeolet 6.08 6.13 4.40 4.45
Joncsville 6.43 0.48 " 4.05 4.10
UnionviUe 7.25 7.50 3.05 3.'J">
San tue? ft.20 8.2") 2.30 2.35
Fish pain 8.40 8.45 2.10 2.15
Stielten 9.15 O.'JO 1.35 1.40
Lvlcs'Ford 0.40 9.45 1.12 1.17
Strother 10.05 10.10 12.00 12.55
AlHton 11.00 1200
_ TIKIS. B. JETER, Presidents
Blue Ridge R. R.
Leave Anderson ... f,.oo p m
" Pendleton - - - 7.00 pm
a". l^aWj?SL ft HB - li*\\m
Arrive at Walhalla - - - 8.30 p m
Leave Walhalla - - - 3.45 a] m
" Perryrille - . , ? 4,<}o ;l m
" Pendleton - 5.3?) u m
Arrive at Andorioa ? ? ? 6.30 am
"Ol
! ? U:?i \:)il vlbMoJ <>d t?.um e.h flddvf -Joifl
I ??? ? ??i? .,:i?3wlaal bbd
oha notbub. SM
'",:fa 4'1-? '"' DEALER .IN
. ' n oi * notTa | ^^"tt to i
r^Jin T WM
FINE TOILET SO?PS, Y\%
BRUSHES, PERFUMERY AXD; ^1^|?9I|?5WII
TRUSSES A.TSTJ3 SJIOUI^B?ffi^<??,
GRASS AND GARQgy e^BuTJs^MfeliJ ^?Wirf *W
PAINTS, OILS, VARNISHES, AN? ^VB^TTJPF?? (?14?v
Lcttcr-Papcr, Pens, Ink, Envelop?,Glass, Putty, Carbon 6i), Lamps and Chimneyb
Physicians' Pjsescript^dxs -^ceuATZLT^^^^gxg^ij^^ u?a I
mchl3
b
the ijMversal; .life^ :
Tvr
Hi* \**U ,eill aid
I'N-S ?RANCE ?O'WA^f ?,
hr.m ,r%*b ev$ Uru ?dT
69 Libert v Street, ?KeW^*fti,?l,*1i
idVbol ib tod JunO twmcjnB #*T
rxil ?J ttac/itta v^d Meaorf^q
' ? ladJ fciA J*9*iU ,w.?d) jai
Tho Original Stock Life Insurance Company of the United 8t
to siJia 4*1* b*fatafe c*aU Hsm #dT
r j7u?b^c?Tii?6 e?4!fx? tot isduwoqwt ioa
OFF P?^Rt?-* aJ*t?WlscO tabio
to 71J
! . IS
WILLIAM
HENRY .T. FCRBER, Viee-Prcsidont.
GEORGE L. MONTAGUE, Actuary.
WALKKR, President.
?xnbu> tru* ^*d'*0 eil fefe ,fltf?|8 ?ort
hp
JOHN 3
D. W.
Tida Company Oilers the Following TniI>i>rti\uis'^^||?^^|^^tt^^>ut
Eflectiug Insurance on their "dLI-v*?^-' X-* .'?<.?>1g t?o?
1st. Insurance at Stock Rates, being from 20 to 30 Per Cent. Iftas than 'the "Rates charged by
Mutual Companies, j, -?ablO ?adtTOllcft tf<U .411V)
'id. Each Policy-holder is regarded n* a Stockholder to the extent of one Annual Premium
on his Policy, mul will share in the Profits ui tho Company to the same extent fts a Stockholder
owning an equal amount of the Capital Stock. .,,{; *ip g^ftsrt. asajk?? ?JttfoO fclrft'l.*
3d. Evcrv Policv issued hv the Company u uou-forfeitablc, and contains a Clause stating iu
exact Surrender Value. ' ' t J??alnq A 85^aF? .<? 4
no i tri Us >tf I. ode olimi2 J^/**
Before Inscmno Yot.ut Lirr. on Accepting the Aur.sci ? ant Company .
read th23 ?
A lengthened experience has demonstrated that the rates of.Ibcmimu ordiuarily-charged by
Life Insurance Companion are from twenty-five to thirty per cent, in.cxcewiof what are luctoaoy
for a safe and legitimate conduct of the biisiuc-s. In othcrwbroV, carefully and pruih nrly man
aged Companies charging "Mutual*' lates have been able to return to their ]ioiicy-h6ldcri* Itom
25 to 3u per cent, of the amount charged for premium:-. jla-j^^TS 't*m*>v&<
When Life Insurance Companies were fnvt organized, the reliability of the data upon which
the premiums were constructed had not undergone the test of experience. It was thought, there
fore, no move than common prudence to adopt a scale of premiums which'.would/in a|iV event,
meet all the prosuaied and unforseen contingencies of the,biiHuesfr, , , . ? , ,
As long as the matter Wfc* invol red ui ijome doubt, it was bettor to fix the rate too high than to
incur the risk of making it too low; becuu-.*, in ;he former utte^ the error could bo easily reme
died, at least in part, by returning to the poiicv-huldt-r*, at certain intervals, ?ucb portions of the
premium charged its was found unnecessary for the purposes of the business and die 'complete
security of the Company. f & afc^e'v*1"?
Experience, however, having satisfactorily demons'Ur.ted liiat thedo raten arc execsfiyt, what
possible excise can there be for maintaining them?
Availing themselves of this experience, the Directors "and Managers of the Uiliecrval lAf? 7<>
?tOYtnce Company at its organization, adopted a seale of premiums in accordance lluruwiih, mid
which has proved to be fair and adequate, und all that was"necessary to meet the re<piin mi ni? of
the business. These premiums are abort twenty-five per cent, lower than those charged by Mu
tual Companies. il l 1? ft^itWdjaWja e<&t I* ?<xlle9M a J A
It also appeared, inasmuch as the rates so established as near as could possibly be deter
mined/nir rales, and not in excess of what Insurance has previously cost the policy-holders in
Mutual Companies, that any profit* arising from prudent management justly';and properly br
louged to the stockholders of the Company, for the riak.incurred by thqm in uaderiaking the
business.
Experience has shown that there are sources of profit in "tie praitiet of the btwincsa which
theory will not admit of being considered as elements in the. calculation of the premiums. These
resuit from a saving in the mortality of the members of a Company owing to the medical elec
tion of good lives, again in interest on the investments of the Company over that 'asmmed in
the calculation of its premium*, the profit* derivable from thu lap/ing and surrender of Policies
by the memhers, and from other minor sources. I .
Profits from these, sources, in a company possessed of n capital of ?200,000, alid doing a fair
amount of business', would give to the *to<-kho!dcrH dividends largely in excesaol what were
counted on by the Directors of the Iniv&tal at the tune of its organization. They have, there
fore, determine*! to divide among the policy-holders of the Company a lurgc part of the profits
accruing from the sources named, nil of which''have hirctofrro been divided among 'the utock
hoidcrs. ? a'w \ a,*.taV/ ?VJ1.1: i'.
The plan adopted for such dividends is us .follows : Every person who may hereafter'.ssurc
with the Universal will, for the,purpose of division, be treated as n stockholder to the extent of
one Annual Promlum upon his I*oficy; and vnii share in the. profits of the. Company topreci'?/y the
same extent as a SlockltoUlec owing on equal aui?unt of the eupiud stock.
By ibis system of Insurance, original with the Univerral, tho policy-holder secures the fo.'low
mg important advantages : I fnfttnxt tidi . f-C>jt liua .IKllcm a ui 1u:U' v
FutKT. Insurance, at the regular "Stork") rat>x. requiring a primary outlay cf- about twenty
to thUty n<r cent, lets than that charged by Mutn.il Ccmpanies, and which is" equivalent tA a
yearly "dividend" paid in advance ot that amount on mutual rate?! This low cost of insurance
is worthy of attention. Since i?* organization this company has received in pramiums.from its
policy-holders the sum of SI,017,000. To eljl ct the same amount of insurance in a Mutual Com
pany" would have cost them nn initial outlay N>f S2,000.000. .' By allowing its policy-holders to re
tain in their own possession this excess of $ 1^3,000^ the Cfivcifal has .virtually paid them a
"dividend" of if 4s:i,00(t, and paid it, too, in advam.e, instead of ut'thc end ef onu or moro years.
It is irnpossiblo to find anv example c l a Mutual Company furnishing insurance at so low a cost
by returning to its policy-holders an equal amount upon similar receipt*.
Seco.N1>. J\tetici}>ation in the leyitimaio'.projits of the Company, upon apian which S'cures to tin
policy-holders the same tradment which Director* nud Su-ckhohtcrs a\card to Utcmtelvcs. This system
of participation, in connection with tho Tow "stock" rates of premium, mO? nedeaiarlly Stvre to
the policy-holders overy advantage to be derived from prudent and careful managcmmit.
The low rates of premium compel economy, and, independent of"participatioh, guarantee to the
policy-holder his insurance at a rate which is not in excess of the cost In well managed mutual
eompauicT *"hile, hy the proposed plan of participation in what may be considered the legiti
mate profits of the budinc**, the cost will bo still further diminished. .
Thus bv the combined advantages arising from low stock rate and participation in tile profits
it is confidently believed that tho UNIVERSAL LIFE LNSURANCE COMPANY onera, in
surance at its lowest practicable cost. . ? . >
BSTThosc of the existing Policy-holders who desiiv to paHfclpate in fheProfitn'trriderthenew
Plan can do so by making application to the Head Gtbos or to any of the' Agents pf the Com
Vn7hc company is in a sound financial ?mdi*l*> m i*TW tl ifiS^WJietb*
?Ratio of Asset* to Liabilities 140 to 100.
JQS^GOOD RELIABLE AGENTS "WANTED, who will dctl direct with the New Yorl
Ollice, and to whom full General Agent?' Oommiasions will be paid. ' ?"?' '
- ? ? ? / M. W. GARY, .
Columbia, S. C, September ' 1th, 1871.
State Snpc