Historical Newspapers of South Carolina

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KJBUSHUfQ COMPANY. ?UMTBR, a. a Teresa i ?Lit per en sum?la advance. trat laeirtlea.fi.ot qosnt tnaartloa.It far throe months, or iMfsjer will he aiade at reduced rates.! ,411 soonmualuelluiic which tub private interests will be oJbarfad . aad tributes of *4I bo ihoigiS tar. SIW goeslir Watuhiaa woo found ad la lilt aad the Tree Scuthron in 14*0? Ifce Watohwn and Southron see oombtaod oircalatlon and Of both of the old papers, sept- ? menttiHlj the beet advertising THJB WAT OUT. A Are Insurance company Is prob y mAfy within Its lights when It refuses '.. U de business In any State, county h oi. town, or to Insure the property of ntor particular individual. If the t sent of s Stats, a municipality prove lev eu? er appear to be. unfair and* op? to that the insurance com? ity cannot carry on Its legitimate Ii usus! business In safety and pro ibty It would seem that the com By le fully Justified in refusing to In that State or munlcl | It Is not reasons bis nor In ac with the laws of trade to attempt force a corporation or an Individual e business at a loss under harsh impossible regulations. It is sa? id that the companies affiliated the Southeastern Underwriters' Smtlen take the position that the sail*compact saw. recent y enacted by South Carolina legislature, is un and oppressive, and that for \he Insurance oomnames to continue sees In Sooth Carolina under the >4erUlons of this law would be nelth? esis nor profitable. Vor this rea i, and for this reason alone, they wfteJd be justified in withdrawing tSMs the State, as Individual corpor s/tee. |Tas Insurance companies cannot ? fcVce the State to enact such laws as ewmi their purpose, but they can and hswii determined to show their re* edMavtet by striking back against the 1 pee)de of the State. They are pun lehliig not only thslr agen ts who have earned a living hanilllng their bu*t lt\S*p la South Carolina, but are also ? pgnishiag all cUUenn whc have been , MSUstomed to do business with thorn. J(p?*vtr, the d> inase that the public ? StjOti las by the sudden refusal of the companies to write fire ln Mice in the State la not of a na S tore that cannot be repaired. The unexpectednjM of the action by in? surance companies that wipes out without warning a well established agency of public service Is as a mat? ter ef fact, the sole damage that the people of the State have sustained, or will sustain. The Insurance* compa I nles are depriving South Carolina of nothing save service and the organl and machinery for rendering service. The Insurance compa are not and have never been eesemoeyaary Institutions. .They have eiacted full payment fbr every act of service rendered snd for every dollar of protection afforded the property owners of South Carolina. The peo? ple* who have Insured property huvo always paid every dollar of loss that has occurred In the State. The in? surance companies may have paid out more money some years than they re? ceived, but la the long run thsy have collected from the Insuring public suf? ficient to pay all losses and, In addi? tion, a handsome profit, to say noth? ing of the fees snd commissions to w~m\ snd general scents and the heavy fixed chsrges In the way of operating expenses that are taxed up against the business before "net In? come from premiums" is compared j with "lossee paid" to sscertaln the profit or loss on a year's business. The people pay snd pay well for the protection they obtain through the Ins rumentslity of the nre In? surance companies. It was due to the widespread belief that they were paying too much that prompt? ed the enactment of the antl compscl. law. The people believed thsy wire being forced to pay too dearly for the service rendered by the Insurance companies and they resented It. Their resentment was registered by the enactment of s law deslgned to force the Insurance com? panies to render the service at a more reasonable rate. The Insurance com psnlss refuse to be forced to reduce their rates or slter their methods of doing business. Tho result Is a dead? lock that will cnntlrtue Indefinitely, unless ths Stats of South Carollnu backs down at the behest of the in? surance combine and repeals theantt cpmpact law, or the Insurance com? panies reconsider their determina? tion to withdraw from the State. In the meanwhile the property own? ers who cannot afford to be without protection ;igain*t I \ fir.- will !??? deprived of the protection they have been accustomed to and which is a necessity under existing business cus? toms. They will be without protec? tion indefinitely if they sit down and simply wait for the insurance com? bine tu give lt> back to them. The only alternative to a complete surrender to the insurance combine by he p< ople of South Carolina and the State jfovernment is for the people to organlso cooperative insurance asso? ciations, and, by pooling the money they have heretofore paid over to the Insurance companies, provide the funds needed to carry their own in? surance. This is the way out, and it 1: were possible to arouse a spirit of independence and cooperation among a majority of the business men, South Carolina could quickly and once for all free itself of the autocratic rule of the Insurance combine. To work out the details of cooper? ative Are insurance associations might not be as difficult as it woul pear at first glance. The following idea suggests itself as a stsrtlng point: Instead of organ? ising on the basis of a State, county or town mutual it might prove more advantageous to organise class rau tuals, similar to the Are insurance mutual of the National Hardware As? sociations or the cotton mill mutuals. As an illustration take the State Press Association and the South Carolina Mister Printers' Asociatlon, which In? clude practically all of the printing establishments in the State. These two associations could organise a co? operative Are Insurance association to write all the insurance on prlntl ng-pf Aces in the State. At the outset -K might be neither feasible nor safe for the association to undertake to carry all of this insurance, since the pro*?.' mlums paid in for the first few years would not provide a fund sufficiently large to cover all the loss that might naturally occur according to the law of averages. But such an association through its regular officers oould, without doubt, reinsure such part of the total as seemed desirable in old line com pales that are not controll? ed by ths combine. In time a a as? sociation of this sort, would be able to carry All of the printing office in? surance of the State at a lower rate Other lines of business could or? ganise similar associations and they would soon render a very large part of the insuring public independent of the Insurance combine. The plan of class Are insurance mu fjals rather than mutuals or local stock companies writing all class? es tt risks Is suggested for several reasons: The risks would be ? scattered :i!l over the State and the '? probability of a heavy loss a\ one time would be less than where a large number of risks are carried in the same community. The details of man? agement, the Axing of rates and the adjustment of losses would be simpli? fied, its directors and officers would be thoroughly acquainted with the value of property insured and there would be less chance of over insur? ance, or over payment of loss in case oC partial or total destruction of the property insured. The writing of pol? icies and acceptance of risks could be regulated by stringent rules requiring detailed specifications and Inventories of the proparty insured to be Aled with the application, as the needs of each class of business might indicate as desirable. The way out of the insurance dead? lock is to be found by self help, and the class mutual seems to be the most feasible plan of procedure, in the emergency. Uns' .ken Testimony. Time is the test of truth. And | Doan's Kidney Pills have stood the | test in Sumier. No Sumter resident j who suffers backache, or annoying urinary Ills can remain unconvinced by this twice-told testimony. C. H. James, salesman, 304 Council St., Sumter, says: "I was afflicted with backache and sharp pains through my loins, t couldn't rest well. Mornings my back was so lame that I could hardly dress. If I straighten? ed quickly aft er stooping, sharp pains shot through my back. The kidney se? cretions wer? unnatural, and Ailed with sediment, and I didn't have much control over them. When a friend told me about Loan's Kidney Pills I gave them a trial, and they strengthened my kidneys. (State? ment given March 17, 1908.) On January 11, 1915, Mr. James said: "I gladly confirm my former endorsement of Doan's Kidney Pills. I always recommend them to anyone I hear complaining of kidney trou? ble." Price 50c. at all dealers. Don't simply ask for a kidney remedy?get Doan's Kidney Pills?the same that Mr. James hat? twice publicly recom? mended. Foster-Milburn Co., Props., Buffalo, N. Y.? *v* (37) Supt. si a tin nds on Sunday afternoon dellxered an address on "Christian Manhood" at tho ?en. Sumter Memorial School al Btattburg. VALUE OP MANURE. Enormous Loss of Fertilizing Mule-r? ials May bo Prccvjitcd Through l'arefill Handling. The high prices of potash and acid phosphate at this time are causing much concern among farmers who depend upon commercial fertilizers to supply these constiuents for the successful production of their crops. If the farmers of this country had always fully appreciated the true val? ue of farm manure, and used it on their land, t ie present situation would be much less acute. The annual loss of fertilizing materials is enormous \a this country through careless handling of manure. This loss can he easily prevented in a large measure by proper methods of handling. While many farmers are getting the most from the manure produced on their farms, yet many could well exemplify the European farmer In this matter, Wiio saves carefully and utilizes every pound of manure available. The farmer who feeds as much live stock as possible may figure that he Is receiving a double remuneration from his crops: First, from the mar? keting of feeds through live stock; and, second, from the fertilizing sub? stances which arc left in the ma? nure. Practically all of the nt'.rogen, phosphorus, and potash which is in the feeds is recovered in the manure from live stock. All landowners, farmers, and tillers of the soli should always be keenly conscious of this fact, and employ methods of man? agement accordingly. It is a well known fact that th'3 ani? mal uses the nitrogen, phosphorus,' potassium, and other elements of the feedstuff's to build up the body, carry on the work of the body, and to pro? duce milk, work, wool, etc. At the same time we' must remember that all of these processes involve the building up and breaking down of body cells, and the component parti of these broken-down cells are thrown off as waste matter. In cnis waste matter we have the same elements as were in the feed stuffs consumed. Except in case of growing animals, whose bodies are In? creasing In size, practically the same amount of nitrogen, phosphorus, and potassium are* voided in the manure as were contained in the feeds eaten: The exact percentages of these sub? stances voided by live stock varies within wide limits, depending largely upon the age and kind of animal, amount of feed eoten, work which the animal Is doing, and various diner factor.'. A young and growing animal retains a largo part of'these elements la the growing tissues of the body. A dairy cw USOI 0 portion of them in the production of milk. A hard? working horse or a mature fattening animal voids from 90 to 100 per cent, of them. It is then evident that a large percentage of the elements of plant food removed from the soil l^y growing crops remains on the farm where these crops are fed, and that the manurlal value of feeds Is in di? rect proportion to their composition. Under practical methods of feeding live stock all of the fertilizing sub? stances can not be returned through manure to the soil. Allowances must be made for a small waste In feeding operations, the retention of some ni? trogen phosphorous, and potassium in the animal's body, and a reasonable amount of loss of these elements from the manure before it reaches the fields. With such losses in view it is safe to say that when the manure is carefully handled 75 per cent of the phosphorous and potassium and 70 per cent, of the nitrogen originally present in the feeds can be returned to the soil. From these figures wc can easily compute the actual value of the ma? nure from a given amount of a feed. I Wo Will base our values upon normal prices of fertilizing materials, as fol? lows: $ Cents Nitrogen, per pound. 20 Phosphoric acid, per pound. 4 Potash, per pound... 5 For example, let us say 1 ton each of corn, cottonseed meal, and corn stover has been fed to fattening steers. From calculations \vu find the value of the manure from theso feeds to be $28.71. This amount represents approximately one-half the vulue of tho feeds consumed. No allowance has been made for bedding material, which has some value as a fertiliz? er, and if not too coarse, improves the physical condition of the soil. This serves to illustrate the point that the farmer who has the requisite number of live stock can use feed stuffs grown upon his farm or pur? chased to supply those elements of plant food needed by the soil to main? tain its fertility; and by following sUOh a practice consistently he can overcome to a large extent the ne? cessity of extensive purchase and ap? plication of commercial fertilizers. Let It be understood that the ma? nurlal values Indicated In the above are within the reach of every farmer, but not without exercising care in handling the manure prodt:: c I on his farm. The liquid portions of the manure contain about three-fourths of the ni? trogen and nearly all of the potash voided by the animal. Therefore, it is highly important that as much of the liquid manure be saved as pos? sible. This is usually accomplished by using a lUfflcient amount of bedding to absorb it, or by allowing it to drain into a pit or cistern of some sort. Spreading manure while fresh is gen? erally most economical. Where this is impracticable, it should be stored under cover or in a concrete pit, and always kept well packed. "Firc fanging" can be prevented by keeping it quite moist. Those desiring further information relative to the care and use of manures should correspond with the department or their State experiment station. Aside from the fertilizing elements contained in manure, it has beneficial mechanical effects upon practically all soils. When properly applied, ma? nure improves the physical condi? tion of the soil by increasing its wa? ter-holding capacity, aeration, and temperature. While the soluble por? tion of the manure is at once avail? able for plant use, other plant foods are released as decomposition con? tinues for two or more years. This latter process assists materially in -rendering available for plant use the potash and phosphoric acid which are "already present, in the soil, but in un? available forms. When the farmers of our country thoroughly appreciate the actual "amounts of fertilizing constituents which are contained in farm manures, and intelligently care for and utilize the manure produced on their farms, they can save millions of dollars In fertilizer purchases; and the necessity of depending upon the purchase of these fertilizers, followed by the oc? currences of crises in the fertilizer situation such as now exists in some sections, will be largely decreased. 8UMTER COTTON MARKET. Corrected Dally by Fmeet Field. Cot? ton Buyer. Good Middling 12. Strict Middling 11 3-4. Middling 11 1-2. Strict Low Middling 10. Low Middling 10 1-2. Staple cotton 13 to 16c. NEW YORK COTTON MARKET. Yeat'dys Open High Low Close Oojc Jan. . .12.45'12.50 12.28 12.50 12.44 Mch . .11.59 11.79 11.58 11.79 11.62 May . .11.79 11.94 11.68 11.94 11.97 July . .11 <>7 lfl.ll 11 ?7 12 14 11.95 Oct . ..12.12 12.27 18.01 12.21 1 2.08 j Dec . .12.31 12.45 If.90 12 4 1 12.26 ROBBERY AT IWWllXi:. Paxville, March li.?The general merchandise store of J. W. Rhame was robbed some time during Wed? nesday night. It is thought an en? trance was effected through a tran? som or else some one secreted them? selves in the store before it was closed for the night. Bloodhounds were secured from Columbia at 3 o'clock in the afternoon, but after a long run no clue as to the guilty par? ties was found. Several suits of clothes, shoes and a lot of dry goods are among the missing articles. This makes the sec? ond time Mr. Rhame's store has been entered within a .short time. Candidate's Cards. Announcements of candidates will be printed in this column until the close of tho campaign for $5. No cards accepted on credit. At the request of my friends 1 an? nounce myself as a candidate for the 7th Magisterial District, subject to the rules of the Democratic party. I am In the race to a finish if I don't get but one vote. T. P. SANDERS, JR. FOR SALIC? Small horse, buggy and harness, at a bargain. II. G- Ostcen. POPLAR LOGS Will pay market prices for good logs delivered our Mill. Call or write us. Phone No. 679 Penn-Sumter Lumber Go. Sumter, S. C. iitwtmmmmtmtmmmitmtmmmw: i? Geo. H. Hurst, Uodertaksr aj Embalmer. Prompt Attention to Oar or Night Colli. AT J. D. Cralg Old Stand, N. Main Phones Hpnm Model 75 IS Roadster $595, both f. o. b. Toledo With Electric Starter and Electric Lights Four Inch Tires A BRAND new Over land at a brand new price! Model 75 has the advantages of larger and higher priced cars, but is lighter in weight and more economical to run. Five adults can ride com? fortably. Pure streamline body five Passenger touring car. Finished in black with nickel and polished aluminum fittings. 20-25 horsepower motor; cylinders test en bloc. High-tension magneto ig? nition. Wheelbase 104 inches. Specifications Electric stariing and light? ing. Headligh: dimmers. Electric control buttons on steeriny column. Lflft hand drive; center control. Flirting type rear axle. 31 x 4-mch tires. Non-skids on rear. Demountable rims; one extra. ?? Cantilever springs on rear. Electric horn. One-man top. Built-in, rain-vision, venti? lating type windshield. Magnetic speedometer* Full set of tools. Call, telephone or writs for demonstration > Overland Sales Co. Sumier, S. C. 210 W. Liberty St. Phone 723. eV * v dstsTw tii?r:?iii;;t:?j DOES MY BANK Welcome Small Depositors? i ortt aafasjrl de-_ The People's Bank Is always glad to see here the small posltor. Young men?married people?working men and women? indeed all who are seeking to better themselves?everyone who desires to be connected with a safe, strong Bank finds a hearty orro welcome here. ^ Careful attention to the needs of small depositors is found here.rtfr8 A strong Bank for small depesitors us well as for large. THE PEOPLES BANK. 4 Per Cent, on Savings Accounts sweV: ?> 9dJ ?? ? ?????????????????????????MHHMHIMMMM Hi You Get Them You are entitled to every courtesy and consideration from the financial institu? tion with which you do business. This you get at ?ff> .ft The Fir& National Bank, I rf Together with Efficiency +?????????????????????????????'" rffH^iM?iHiiMM'> In i mo Daily Ballot Good For Thirty Votes In the Golden Festival and Voting Campaign. Contestant. Address .Not good unless received in the office of the Campaign Depart? ment by Saturday, March 1H. NOMINATION COUPON GOOD FOR 10,000 VOTES I Nominate Address. Nominated by Address. In the Item and Watchman and Southron's Golden Festival and Voting Campaign. Only the first nomination coupon sent in for each candidate will be counted.