Orangeburg times. (Orangeburg, S.C.) 1872-1875, April 17, 1872, Image 6
PROFESSIONAL CARDS.
W. OT. OeTreville.
ATTOli N F. Y \ T L A W
Office at Cour House MTpu'rc',
Or.iiig?i>!H"?, S. (.'.
inch IS-Ivr
IZL AR A: Dl
ATTOR N K Y S AT I, AAV,
Orangeburg, S. C.
Ja*, r. Ixi.An. , ., H. Dibdt.r.
roch 0-lyr
BROWNING & BROWNING',
Attorneys At iuw,
? i '
Max/:o:.m I. Browninu. a. V. Bkow.nino
mch C lyr
FERSXEIl & DANTZLFil,
jd K >r rr l ? t s ,
Orangeburg. S. 0.,
Office over store, of ^Ym. Willook.
V. Fersser. r. a. dast/.j.rp, D. D. R.
mch 12-Jimoi
Dil. T. BERWICK leg a re,
DENTAL 8I7RCEOM,
Graduate, Baltimore Collego Dental |
Su rgory.
O?ee, Market street, Ore? .Store of J. A. Hamilton.
fib 14
Houston's Chrome Ferrotype Gallery
No. 389 King street, Charleston, S. C.
Superior work, at prices that defy
competition. Don't fail to visit this Es
tablishment inch 26-?mo
Kirk Robinson,
1>F-A I. KU lit
Books, Music and Stationary, and Fancy
Articles,
AT THE ENGINE HOUSE,
ORANGEBURG, C. H., S. C.
mch 6
Creorg? S. Shtirer,
COMMISSION MERCHANT
,i I A NO
Wholesale Dealer in and Importer of
FINE WINES, LIQUORS, ALES AND
HEA VY GROCERIES, <(., etc
tVb 14?3mo*
Male Academy,
OR.4NOEBURG, C. H. R. C.
tksm8 rrn month :
KnglUh - - ? ? - - $1.00 I
Clawieal.- .V00
Ji4MES S. HEYW.1RD, Teacher.
To Builders.
T am prepared to furnhm SASHEP, BL1XDS.
Doom, Manteb?,Rnd every stylo of instcU- work,
at the shortest notice, and of bent material, at
Baltimore rales, adding freight, (/all in and
?ee catalogue. H ork warranted.
JOHN A. HAMILTON,
mch 13-lyr Orangeburg, S. C
MERONBY'S HOTEL
RURSEbh S T BEET,
ORANGEBURG, S. C.
4*1T" Satisfaction guaranteed.
W. A. MERONFV, Proprietor.
_TeK_14_
PAVILION HOTEL,
CHARLESTON, S. C.
HOARD, Piuh DAY, &?,6?
R. Hamilton, Mrs. M. L. Butter field,
Snpetintciulfnt. Prnprutr***.
SELLING OFF AT COST.
Great bargains in DRY GOODS and
Shoes. Host Calicos, new styles, at 15,
reduced to 12i cts. Fine Long Cleths
121, fino Sea Island, 1 Brown Shirting
10 cts. Stout Homespun 10 cents, Linen
Cambric Handkerchiefs, Hue, 10 cts.,
Coats' Cotton, SOc.ts. per doze n, Hose 20
cts., Gloves 20 cts., Ginghams 20 cts.,
Shoes, very low, Bed tick 1.? et*., Laces
2 to .f) ets., Brown Linen Tabling Di
aper, 40 ets., Russia Diaper Sl.fiO a pee.,
Coraots 90 cts. M. McM ASTER'S
apl 10 Brick Store.
The Citizens' > w i j ;! \ i;
vl {\< Aj f-4i i^t \ k ,<j at joj"J i >r a.,
ORANUEB?BG BRANCH.
THl v. - ? PtiV CKXT. INTfJRKST nn SP KCl .IL /)KPOSlTS and 6 PER CKXT. on BAV
IKffe ^>KI|p3?;TSj flint dtiundcd Semi-annually.
ill W J c C J_ .
V/ TijOc-nl T^i rin uce Committee.
If on. TUGS. W. GLOVER.
Cnl. PALL S. FELDER.
11 i\-y i Cant. J 01IX A. 11 AM ILT?N.
JAS. II. FOWLES,
mch J9-l v Assistant Cashier.
B U L L. SCO V I L L & P I K E
Arc almost daily receiving additions to their large Stock of
o 3$ sfsj e li A. iL :\r k i i c i t a isr i) i z x<:
BROWN COTTONS AND DOMESTICS,
Now in store, purchased before the advance.
Just received a full Stock of
BOO T S A N 1) S II O E S .
HARDWABK, NAILS, A'e., together with
AGRICULTURAL IMPLEMENTS, for farming purposes.
GI IOC EH I ICS 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
Aidants lor
A TLA NTIC P HOSP M A TE,
Coe's Phosphate,
Wando Fertilizer,
Pacific (iuano.
Manipulated Guano,
Guanapc Guano, as well as
LIME, LAND PLASTER, At., constantly on hand.
JterWc are also agents for well-known" FIRE AND LIFE INSURANCE
COMPANIES:
G ERM A NIA, of New York.
Andes, of Cincinnati, O.
. Equitable Life Assurance Company, of New York
And last, but not luast, the celebrated
SINGER'S FAMILY SEWING MACHINES, an exhibit is sufficient.
"NVe have and do sell the goods.
BUL.L,, SCO V 11,1., & PJKE.
feb 14
WILHELM THEODOR M?LLER
II AS REPLENISHED J IIS STOCK OK EATABLES, &c.
FIVE KINDS OF IRISH SEKD POTATOES.
ANOTHER LOT THOSE FINE TONGUES.
DUTCH HERRINGS,
LIMBURGER EASE,
B AI/r IM(J RE BALON YS,
SHADINES,
FINK BALTIMORE CANDIES.
LEAF LARD, A. No. 1?in 3 pound, 5 pound, and 10 pound cans.
I.AUOK LOT OF
SHOES, DIU SAL.T AND SJIOKED SIDES,
Western and Augusta Flour,
Anot her I ?ot of 1() tioni ITnms,
GRIST AND MEAL.
S^?" All package* dolivorod froo of chnrge.
fbH W. T. DULLER.
NEW STORE! NEW GOODS!!
N E W P R 1. C E S!!!
opposite J. 1?. haklevs.
I take great pleasure in informing my numerous Customers and the. Citizens of
Orangcburg generally, that I have removed to tho
" T R 13 A I) W K 111* CORN E R "
Hereafter to be known as
jVI e roney's c o r n e r,
And am now opening a choice and varied stock of goods, consisting in pait of
BACON, Lard, Flour, Molasses, Syrups,
Sugars, Coffees, Mackerel, Chun Goods of every description,
Confectioneries, Pickles, Catsups, Tobaccos.
SEOARS FROM 2 1-2 TO ID CENTS.
Fruits, Nuts, Crackers, Jellies, Sardines, Soap, Candies.Solf
Raising Flour, Herrings, Raisins, Potatoes, Pipes, Ac.
SAIL '9 situated in the rear of the Store, and is furnished in the
most Modern Style, with the choicest Wines, Champagne Cider, Ale, Beer and
Liquors of all kinds.
1 can and do sell goods cheaper than they can bo bought elsewhere in Orangc
burg. Come one! come all ! and give me a call.
up) 11?tf W. A. MERONEY.
DhYE. J.
??in rrr~rr" A7 ^?.?mr"mn ,y'' ???? m i
?Ol??}-, rnj-p?,!. fiT.'io-, . ,!, rjii ill
. 1 twin .noMni n...? }(,n(,| k?n ,.
DEALER Itf i ?ll .a>d-j ?u,o<s . .
. _ _i I "i iffs fyin_fi?ii^ ^. ^ ...
1 II P TV :T /I T
id
in an
FINE TOILET SOAPS, FANCY HATH AND TOOTH
1JRUSHES, PERFUMERY AND FA^CV f?lLE'r ?frliCLErV
PAINTS, OILS; YAIlKIrUl&j ANb' WK ^TVFFS!' ' >l
Letter-Papcr, Pens, Ink, Envelops, Glart, P?tty, A>rtyn,^
Physicians1 PitK9CKirTtuKn 44ccyB*i*T.Tr?!oiir'?rwbnu:i , (. fjj ...
??.-w^^riif-p1"1 '??? u.,.,.1 ,T M:>
THE U? IVBB?jit n)5*TFK 1 ' : >' - I ?
INSURANCE COM V AN Y,
' *t.* .11' . ??)?:.. j 1 ? ? ' 'hfMTii'i jfl-J r
? ?.,t?ij ? , ! ,,?, t;,'f, *' 1 -w -J..- vi ,., t . .
69 Ldbertv Street, New Vork.
? ? f?oi : f ,.,? "l ??>" V???. *b| foty, j, .. ...
'I . Ii ii j : ' ' ' !'' '"??!: .nil.v nt ;??,? ,
i ? fc - ? i, 1 -Sfji bi\\ (. ,r. J ' i ?, i: ? i , r>1 ? ,?,
The Original Stock Lifo Iniurance Company of the United States.,
OKFICERH:
,j jr I n '['?? W?tlM. I n I ...ft,; tj'.Hi
\V11.1 AAM WA LK Kit, PvOHUlent.
HENRY .1. FURRKR, Vice-lWdenlJ JOHN JJ. MML?\l **vr* tary.
GEORGE 1.. MONTAG UK, Actuary. D. W. l.AMKKUT. M V? Midical Exam '
'' ' " [ V* ' ''' " . r ?j ,? ? ,
Tuts Company OflVra the Following Important Advantage* tu thosa About
j ?JioOHroup nS;-! -?.f t -Ml,,t _
Effecting Insurance on their Liriv. i j i
** 7"'" 'V" "nit ,'flrriwn
<? iliH/ I "'T .'tl'-vji .... ....?,..,. . . .
1-t. Insurance at .Stuck Kmm, boinp frum '20 tu 30 Per C'nit, lv? tlmu Ute UatM ?h?rs*<l by
Mutual (lonipanies.
'2<\, Kacli Policy-lioltler m n-giirJi-d a* a Stui-kliold^r tu the ext<-u; ?f out- Annual Prtmiuux
mi liii? lNdicy, and will nliare in ilir Prutilx ul the Gump?ny lit the mih? oii'i.i wn a dtookhctdcr
owning an equal amount of the i 'tnital Stock.
3d. Kvery Poliev iiwued by the i.onipany iv nun-forftitabla, and ?.vuiain? a t.'lau?e ?tatin< iu
exact Surrender Value.
ItttKoKK Inmchixo Yoira I.tr i; or Acesr-nsu tiik Auwa t or aar (.umtanr
PcSAB THE FOXiXiOWZ^a
A lengthened expei?ieneahau demonstrated ihat thw ruin, uf Pr^uiinm oidiiiarily charged by
Life Insurance t'ompanier art- iruiu iwcuty-tive tu ihirtv \.<r ?yul. iutit r<wyi muni arc nevtMary
fur a wtfc and legitimate conduct of the bu?lnes'. in i.ther wurd?, cart-inlly ?ud prudtatly inah
agetl CoiiipanieH charging "Muinul" ra't?i> hi ve keen able lurfttun tu their )u)ic\-bidder* tr*ui
?J.'i to 30 j>er cent, of the amoiml charged tor premium*.
When Life insurance Couipaiiieii wer? fir.a. oigaiiiAedf the reliability uf the <!? aup?n wkich <
tin* preiiiiiiiiifl were con-inn-ied had not underKune (he te?t of rxuviieiice. h a-:u tLuuglit, therv- lj
fore, no more than fointntih prudence to adopt a m.-u!e of pretuioiuK ahicb wnidd, in ?mt event,
meet all i he prurfiimed and ntifontocn conti ngencirn oi the bn^incr>.
A.t long as the matter \va* involved in sume doubt, it w.o b?uer tu tix (be riitti loo logbtka&to ^
incur the risk of making it too low; because, in the for?n r ea?e, Ihe fimr could be oaaily remr
dird, at le:i?t in part, by returning to Ihe }h>licy-|totdec^, at certain utlervah?, nn li j. oriioi.a mi the
premium charged as wan toiind unnto?ft*ary fur the purpuKtv of the buVinri? and the cemplet*
Hccurity of the Company;
Kxpcrienee, however, having sati?factorily demntistrated that tbene ratti are eauriwive, Tfhat
[Nirdtiblc excuse can there be for niaintaining them?
Availing thcmitelvea of thia exj?erienc?, tlm Direcjors and Manager. **f the f.nirtrtlt Life /?
ffii'tinrt; (binjHiny at iu> organization, adopted a ?< ale uf prttmlMius iu accurdauit therewith, and
which bus proved to be lair inid adequate, and all thai wan n^c*r???ry to turn therc^uii ?utrutK ot*
I he business. These prcmiuiua aru about tvrenty-tivu per ceiu. hrtrer than ihu?e charged ky Uu
liial Companies.
It also appeared, inasmuch ar the rates ?o e?tahlUhed were a* near at could poanlbly be deter
minetlAitV rates, ami iitit in excess of Wltut lii.-nrauce baa nteviously tt?t the pulicy-haldera iu
Mutual Coinpanie", that nny protita arising from prudrnt liianu^reuiciit jnatly and pi\?|Ufly be
longed to ike stuckhulders of Ute Company, for the rUk incurred by thetu in iotdt*riaking il.c
business.
Experience has shown that there are source* of protil in the p'raette* mthe bui-incm which
theory will not admit of being coiinitlcrcd as eleiueubt in the calculation ot iIk premium.-, 'there
result from a saving in the mortality of the members of a Company owitig to the medival >elr<
tion of good lives, a gain in int. re-t on tho iuveatmcntii of th? tompjoiy over that a??mnt-d in
the calculation of its premium*, the profits derivable from the lupsing and ?iirrViiihr ol l'olieits
hy the mcinbcrs, and from other minor hource'n.
* Pro tits from these sources, in a company possessed of a capital of S'.'UO.OOO, and doing a fair
amount ?>f business, would give to the stockholder* dividends largely in excess of ?hui ?et?
counted on by tho Director* of the I'niverral at the time of its orgauir.ati?n. They have, tkeit
fore, determined to divide among the policv-holdent of tho Company a large pail ot the probt
accruing from the source* named, all of which have itereiofwro been dmded among the ?tot
holders.
The plan adopted for wich dividends i*.as follows: Every per?on who may kor?^ftrrf issuvu
with the Universal will, for tho purpose of division, be treu ted as u Mockholdcr to the extent
one Annual Premium uixtn his Policy; and vcill ?A?re in //?<* profit* of the Company lit pirrinly </?
same extent a* a Stockholder owing on equal amount of the capital $to*k.
itv this system of Insurance, original with the Universal, the policy-holder secure* the follu
ing important advuntagus:
KlRHrT. Insurance ul the regular "Stock" rates, requiring a primary outlay rf alfout In nit
to thirty per rent. /<vi? than that charged by Mutuul ComjHinie?, and which i* etpiivaleut in
vearly "dividend" paid in advance of that amount on mnlual rat??, Thii low coi-t of insurance
is worthy of attention. Since it* organisation this company ha* received in premiums from its
policy-holder* the. sum of $1,617,000. To effect the same amount of insuntuce in a Mutual Com
pany would have cost them an initial outlay of *2,000,tK)0. ?y allowing it* policy-holder* to re
tain in their own possession thia ex ecu of $483,000. the Univrr?al ha* virtually paid them n
"dividend" of $183,000, and paid it, too, in ad\anee, instead of at the end of one or more y<?r?
It i* impossible to iind any example of a Mutual Company furnishing insurance ?( so low a t os
by returning to itn policy-holder* an etiual amount upon similar receipts.
'SECOND. Participation in ths legitimate jrofilt of the Company, upon a pin* vhieh iee%ree to the
policy-holders the same treatment vhieh Directors aAd Stockholders uvurd to tUcmrtlxe*. This system
of participation, in connection with the low "stock" rates of premium, most necc^arily ?eeurr tu
the poliey-holders every advantage to be derived from prudent aad careful management.
'Ihe low rate* of premium compel economy, and, independent of participation, guarantee toihv
policy-holder his insurance at a rate which is not in excess of'the cost in w?dl managed mutual
co in pah i ear while, by tho proposed plan of participation in what may ke considered the legiti
mate profits of the busincM, tho cost will be still further diminished.
Thus bv the combined advantages arising from low stock rate and participation in the profits
it is confidently believed that the UNIVERSAL LIFE INKITUNCK COMPANY otter* in
surance ut itn loweat practicable, cost.
0&*TliOfte of the existing Policy-holder* who desire to participate in the Profit 'unri'- ?he new
Plan can do so br making application to the Head Office, or to any of the Agents of the Com
panv. 1 * ? 1 T
The. company i> III a sound financial condition.
Jlatio of Assets to Liabilities 140 to 1
gfaY'GQOD RELIABLE AGENTS WANTED, who will deal dim* with the Ksw \w
Office, ami to whom full General Agent.?' Commissions will be paid.
M. W. GARY,
M. C. BUTJ.ER,
State HnporiuU-ndent* of Agcnctua
Cobi-.nbia, S1. C, Sieptvmber 11th, i?7i.