Orangeburg times. (Orangeburg, S.C.) 1872-1875, April 17, 1872, Image 7
P??TOSWNATi CARDS.
a t t O R N E Y A T L A \Y .
nUt* bUi\ "v*'.j"? ulii* i ? : ? hi
Office at Cour Houso miu irr,
Orangt-burg, H. ('.
weh 13-lvr
IZL /VR Ar O
ATTORNEYS AT UW,
b?^^^MiEETj^v jj ,
Orangcbhrg, S. C.
Jai?. F. Isla it. , . ?.. }> ,[ ?K.,Diiujlb.
nach ?-lvr
BROWNING & BROWNING,
Attorney^^jtJ^j ^
?uaxo rt5ur<Y(^J}4?( Ct I ? V.
Malcolm 1. Bkownino. A. F. Jtnow.N^Nt? j
mch C-lyr .
ferMeU ^a^'Mer,
Orangeburg. S. 0.,
Office ovei* store of Wm. Vynicoh.
F. Fbrsxer. V. A. DAST/i.jfp, !>? I>
mch 12-omm
DB. T. BEUWlOK-fiEC^A^?, ^
DENTAL $ R ? ? ? N ,
Gruduatc, Baltimore Gollego Dental
' Surgery.
O?ce, Market ?Irret, Orcr Storeof J. A. Hamilton.
fob 14
Houston's Chrome Ferrotype Gallery
No. 339 King street, Charleston, S. C.
Superior work,' at ^prices that defy
competition. Don't fail to visit this Es
tablishment, inch 26-3mo
mJhi
tonary, and Fancy
Books, Music and Stationary
Ajrticjes,
ORANGEBURG, C. H., S. C.
mch 6
George S. Shirer,
COMMISSION MERCHANT
, // ,llf. Vd i, U [j akt? ,n ,.
' Wholenale? Dealer in nnd Importer of
FINE WINES, LiQl'ORS, ALES AND
HEA VY GROCERIES, A:, Ac.
feb 14-3mos
Male Academy,
OR.4 NOEBTJRG, C H. R. C.
_ 1 ? j *
tehms tza uoktu :
English - - ? ? - - $1.00
Classical - . - - - i 5.00
JAMES S. HEYW/tRD, Teachers i
To Builders.
T nm prepared tdTurnifihSASnF^BTdXI)*,
Doora, Mantel*,and every stylo ofinsid.- work,
.it the shortest nbtirej and "of best material, at
Baltimore rates, ndding freight. Call in and
?ee catalogue. 11 ork warranted.
. JOHN /MMMIXTOly
mch 13-lyr Ornngeburg, ?l V.
MBROjNJBlFs 5f OTEL.,
RUSSELL fiTRE ET,
OJtANGKBTJRG, S. C.
B^tJ- Satisfaction guaranteed.
II Wi A. MERONEY, Proprietor.
_Tehl4_/
PAVIL.IOST HOTEL,
CHARLESTON, S. C.
BOARD, FEU DAY, Sffi?V&6
if 117/ H' if,., I .. . -, '.
r. Hamilton, Mae. M. L. Butterficld,
SupTinteiuIent. Proprietrm.
_._' _ . __
SELLIN^7 OFF AT COST.
? 1 ,uit??ie ii ?? ,(?-? ?<>. iji < , ?/! |, .,,
t?d 7i:ni )iti unlnii r.r-rrrr. t,,?i f,.. -r.i?i? ;
Great bargains in DRY GOODS and
Shoes. Bast Calicos, new, styles, at 15,
reduced to 12$ cts. Fine Long Cleth*
12}, fine Sea Island, 1 Brown ?hirting
10 c|s.. Stout Homespun 10 cents, Linen
Cambric Handkerchiefs, tine, 10 cts.,
Coats' Cotton, 80c,ts. per dozen, Hose 20
et?., Gloves 20 cts., Ginghams 20 cts.,
Shoes, very low, Bcdtick lft cts.? Laces
2 to .5 cts., Brown Linen Tabling Di
aper. 40 cts., Russia Diaper Sl.ftO a pee.,
Zometa 90 cts, M. McM ASTER'S
apl 10 Brick Store.
h
ORANCEBURG BRANCH.
?".'Ml pi- r rv.V CFNT. ISTim'EST on SPECIAL DEPOSITS and 6 PEE CENT, on BAV
Kffc Arr:t|f?;TSg Otai?ninrled Bemi-itniiualiy.
*J y I X?4cMtl Kina rice Cotritnittoo.
Hon. THOS. W. GLOVER.
11 : Col. FALL S. FELDER.
|,|// > Capt. JOHN A. HAMILTON.
' 1 , <.I In /. ' : JAS. H, FOWLES,
mch HMy Assistant Cashier.
B TJ L L. SCO VILL & PI K E
Arc almost daily receiving addition* to their largo Stock of
a k >v li a. m: ;k Ii c ii a >r t) 1 z e
BROWN COTTONS AND DOMESTICS,
. f. , j, ' / [i i Vm I V '' " ?
Now in store, purchased before the advance.
; , Just received a full Stock of
. jB i) X) TS AND SHOES.
HARDWARE, NAILS, Ac., together with
AGRICULTURAL IMPLEMENTS, for farming purposes.
GROCERIKS in full Stock, consisting in part of
. BACON AND DRY SALT MEAT.
I FLOUR of the well-known brands.
SUGAR AND COFFEE which defy competition in price and quality
, A scouts lor
ATLANTIC PHOSPHATE,
Coe's Phosphate,
Wando Fertiliser,
Pacific Guano.
Manipulated Guano,
Guanapc Guano, as well as
LIME, LAND PLASTER, Ac, constantly on hand.
*or\Vc are also agents for well-known" FIRE AND LIFE INSURANCE
COMPANIES:
G ERMANIA, of New York.
Andes, of Cincinnati, O.
, Equitable Life Assurance Company, of New York
And lhst, but not least, the celebrated
SINGER S FAMILY SEWING MACHINES, an exhibit is sufficient.
We have and do sell tho goods.
BULIj, SCOVIL,1j & PIKE.
fcbH
WILHELM THEODOR M?LLER
HAS REPLENISHED JUS STOCK OF EATABLES, Ac.
FIVE: KINDS OF IRISH SEFD POTATO KS.
ANOTHER LOT THOSE FINE TONGUES.
DUTCH HERRINGS,
LIMBURGER EASE,
BALTIMORE BALONYS,
SHADINES,
FINE BALTIMORE CANDIES.
LEAF LARD, A. No. 1?in3 pound, 5 pound, and 10 pound cans.
i.Aiiok; lot or
Till ? i (f-5 ?{
8HOES, DRY SAL/T AND SMOKED SIDES,
Western and Augusta Flour,
Aiiolihor l.x>t oi'lO csent Hams,
CRIST AND MEAL.
Jt?J* AU package* dolivered froo of charge.
fib 14
W. T. DULLER.
NEW STORE! NEW GOODS!!
( rd A H /.35
NEW PRICES!!!
OiPl^OSITE J. I3. HARLEY'S.
I take great plcasuro in informing my numerous Customers and the Citizens of
Ornngeburg generally, that I have removed to tho
"TKEADWELL COKNEIV
Hereafter to be known as
j\? nroney's Corner,
And am now opening a choico and vuried stock of goods, consisting in pait of
BACON, Lnrd, Flour, Molasses, Syrups,
Sugars, Co?'ees, Mackerel, Cann Goods of every description,
I Confectioneries, Pickles, Catsups, Tobaccos.
SEGARS FROM 2 1-9 TO 15 CENTS.
(UlfO ? . ' (,\ ' , ,
Fruits, Nuts, Crackers, Jellies, Sardines, Soap, Candica.Solf
Raiaing Flour, Herrings, Raisins, Potatoes, Pipes, Ac.
-7XEI?2 BAH ,s "^fttcd 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 Ornnge
burg. Come one! come all! and give me a call.
ap) a?tf W. A. MERONEY.
? vUhFR rrr,m^;>,h tote -,
FINlii TOILET SOAPS, FANCY' * - HA IR?< Alibi -' T??TH.'
KRUSllKS, PERFUMERY ASP 'ffiffii^^
TRUSSES.
PAINTB, OILSt YAUNIftlJES, AN?1!^ R-ftWt?3!f?Iii* I .'
Letter-Puper, Pens, Ink^y^
mch 13
PitYftat V5J3' Pnr.'-cjMttio:m .1 ecu
fcOoi
blux atari nv.i im? n,,.*,/ SPa^]
THE' tJ'N*V>B?i^^ .wot*
INSUR ?iplft^
? Ait// Mt ? . *ftjyi j , ^ ?"'h'Ml.fi ti;i< t? .,
?'"'.J *' -1^ W. I . .
69 Zaibertv Street, lNTbW fttPk.
? hi .<??! tiiuri ? "J,; VMll, ?bj |,5Jti,,.iJ i: ,,. i .
? i .1 iliJa-jinJ lU' ,!--:"",,: ?'"''?v ui ,
? i bua :.?,.^rj^^T^li,',,, ?J *' 1 ,M 'r<, tth ,<,.,.;
, . m ?WiaTJMi ? irf a [(i 3 -.inn*.-, p5i.
The Original Stock Life Inouranco Company of the United Spates.,
- ,i , , O F F, I fiK li'iil iUt r" '.-??' vi. i ???.,. |,i
WIT ^
HENRY j. l'URBER, Viee-Presidcnt; . ? , , JQHN JJ. tt? YIXeYJ ftWc'arv. : ,'. '
UEORUE L. MONTAU EE, Acp.ary. ;/ p. W. LAM,B?UT^M M&ical &&t>'*
Tnis Contpanv Offers the Following Important Advantage* t*? thosa About
Effecting Insurance on their Uf<*.lh |1M,i ,,,,fIjn
:- ? o, .:inv I '1''1' ilftrtiti lavpti ..i JoHoi-.i ? ? ,
l-i. Insurance at Stock Rate?, being from 20 to 30 Per Cut. Jet* than tho It?te* charged fcy
M.uual tympanic. ' 1 ' ' ? M1 . ????? " .>-v v/hm ?
2d. Each Policy-holder id rcgarJi-cl a* a Stockholder u* the extern of oi:r Annual Protaium
on his Policy, and will share in the Prolils' ot the Company to u4* aajoe eatrnt an.a Utockkeader
owning an equal amount or the t.a(,itkl Stock
d. Every Policy issued by the CJompauy is nun-forf?iublc, and ountaiua a C'!au?o. atatinsc it*
ct Surrender Value. ,j ?. , f, _
Bkkokk l?at?aiita Yoca Livk or Acearr?^? tuk Aukkci aar (.umta^t
RS AB THE FQZiXaOWX?. & -
Sil
exact
A lengthened experience has demontftptcd^hat thu rates of I'remiiirti' oidiuarily charged by -
Life lusuram-e Companies are from twenly-live to thiriy pc r t et.t. in i-n-rv l 1 m l..o r-ro nccci^iry
for a safe and legitimate conduct Of the businea^ to other vfimb, carclnllv wild pruacBtly uiau
aged Coiiipauiea charging "Mutual" rate> hi ve k>c<n able to return to their ) olic\-holt!?r.i irc:n ??
?J? to 80 |K?r irenb of Ihe amount charged loir prciuiuuifc' ??"j'^n- -odt u ilviroit? Um >ii-n ? <
When Life 1 iistiraucc Companies vtytt fiMVoigaidfe.t, ^ba rf.|iahj.lji)y of tbe d? a Upen which (
the premiums were c<instructc?l had not undergone pV teM, of ripviieiict. u w^'itougfit.'tberV-- \
fore, no more than common prtidence'to adopt U ?.ale1 Of preiuintbV which wnnld, in' any event,
meet all ihe presumed and unforaeen contingencies of thei bu^iiucsfj j<, . ? ?
As long as the matter wa*> involved in some doubt, it was better lo fix the ratu loo hi,vh ilum to
incur the ri-k of making it too low; because, in the fofibv r^Vase, ihe Isrror con Id be aaally j-enjf?
died, at least in part, by rcturuiug to tho policyrholdersV at certain intervals, ?ueh,(o;iioi>s of tbo
premium charged as was found uniieoeasary for the purpo??v> of the business and lb* iemplete
security of the Company] u "t 'i't 0 . .
Experience, however, having satisfactorily demonstrated that these rit*a<' are exoe**iver what
piMitiblc excuse can there be for maintaining then)^;W dltt> yl<|j/oi i '-.jji i >
Availing themselves of this cxpertcnite, ine l>irec|ors aud, Manager? ?tf~Vue' #.*hiVersa/ l.i/J In*
tiinmrt (hmjtany at its organiration, adoutod a w.iue" of premiums in uveordam.? ther?with, and
which has proved to Lie lair and adequate, and ill that waa accessary ;U> u)fel(the rc^llji ?mrnts of
the business. These jircmiuiua aru about twenty-tivu per cent, lower than those charged"ky Mu
litalCompanies. \m il
it also appeared, inasmuch a* the rates so established were as near a. cuu'.d j.o.'^ibly be deter
mined fair nites, and 'not in excess of whul lusarahee baa previously e??t the policy-halders in
il/wfiiatCompaniea, that any protits arising from prudent nVanagem'cilt'justly juo|.rl> be
longed to .kc stockholders of die Company, lor the risk incurred by them in undertaking |Lo
business.
Experience has shown that there are sources of protit in the prarlir* of tbe hu?':m*f? which
thfxn-y will not admit of being considered a* elements in the calculation t>t ilic premium.-. .Thee,
result from a saving in the mortality of the members of a ( omnany^owiiig lo the mrdival *rle< -
tion of goiNl lives, n gain in inn-rest on tho invest menu of the Company over that a*?mned in
the calculation of its premiums, the profits derivable from the lapsing and surrender of Policies
by the members, and from other minor source's. I ..????> ';j
? * Protits from thc-e sources, in a company, possessed of a rapii$) of $1*00,000, and doing a fair,
amount of hu.-incss, would give to the stockholders dividends largely in excess i t 'ahatweii
counted on by tho Directors of the Universal at the time of its ?ryauixatinii. They have,1 there
fore, determined to divide among the policy-holders Of tho Cotop.my large part ot. ihr protits
accruing from the sourcea named, all of which have beretoioro been divided among the Moj k-i
holders. ; r( w
The plan Adapted for such dividends is as follow*!' Every person rwbo may kcruaftrr issuro
with thu Universal will, for tho purpose of division, be treated ai a stockholder to the exunt of
one Annual Premium upon hin Policy; and trill saare in tht profit* of tht 'Company 16 prrrinly ti,Sg
same extent <cs <i Stockholder ouring on equal amount of th4 capital stock, . t > ; j u. (11 . . ?
liy this system of Insurance, original with the Vturorpal, tin- policy-holder securer tlm follovj
ing important advantagoa: t ?10 not t-v/h?!<iJ'n|
l'in.-t. Insurance at the regular "Stock" fates, requiring a primary outlay, if about, t*rntw
to thirty per cent, less than that eharged by Mutual Comjyanic; and Whiub .ig.. e?piivalent to *
yearly "dividend" paid in advance of that amount on mutual rates, Thb> low oost, of insurance
is worthy of attention. Sines it* organisation this company n.aa trecciW? lit premluirls fron?' its
policy-holders the sum of $1,617,000. To tfTevi the snnm anjount of insurance in a MmIUmICom
pany would have cost them an initial outlay of $2,0006tH^ ^Ry^ allowing its policy-holders to re
tain in their own poesession this excess jl>( $483,000. Uie ?nivrrsal has virtually paid them ?4
"dividend" of $483.000, and paid it, too, in advante, instead of at the kndiaf oaator aiorey<srsj
It is impossible to iind any example of a Mutual Company furnishing .insur^co a,t so. low a cost
by returning to its policy-holders an equal amount upon similar receipt*.
iSacOKO. Participation in the legitimate jrofits of the f 'oinpaiiy, upon a pt*m- vhieh mecvee* to the
policy-holders the same treatment vhieh Pireetors ortrf Stockholders uvard to themsthc*. This systtni
of participation, in connection with the low "stock" rates of premium, moat necessarily teeure tu
the policy-holder* every advantage to be derived from prudent aud careful managetnunf.
The low rates of premium compel economy, and, independent of participation, guarantee to the
policy-holder his inuurance at a rate which is not in cxee;? of ihe cost in w>d( managed muiObl
oompaniesr while, by tho proposed plan of participation ih what may Ve etuitldored thaiie^tfi
mate profits of tho bastneas, tho cofit will bo sii 11 further diminished. .
Thus l>y tho cnmblnod advantages aiising from low stock ratu and participation in the profits j
it U confidently believed that the UNIVERSAL LIFK lN8tiaM:ft CtsMPANY ?.Iren? in
surance at its loweat practicable cost. ' .lne0it(n'Hovha irxi n
fi^yTbose of tha existing Policy-hcldera who desiro to participate, in the Profit* unilr* ?hehew
Plan can do ao by making application to tho Head Office, or to any of the ' Agents of the Com
pany. ? ?' Wn?? ' f a,: rn ity/oi A H ,,.
'Ihe company is in a sound financial condition. .1
Ratio of A?*U to Liabilities 140 to 1<
WGOOD RELIABLE AGENTS WAITED, who will deal direct with the New Ywf
Office, nnd to whom full General Agentrf ComiaWiona will bo paid.
it. W. ?ARY,
j M. C. BUTLER,
?lz'.z Hiiperintende?!*- ^ Aiesiui?b.
. Columbia, C, September 11th, 1871.