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WEDNESDAY MORNING, JANUARY 18, 1871.
Tl sato o> BnnaoB Bt Dona, Fcrensea.-Vifg.
DEVOTED TO Ll TER 4 Tl RE, MORALITY AND GENERAL INTELLIGENCE.
The Siiinter Wateliman.
'ESTABLISHED IN 1850.)
EVER Y WEDNESDAY M O It NI NO
AT SUMTER, S. C.? BY
GILBERT & FLOWERS.
One year.*3 00
Sii months. 1. 50
Three mouths....-.- 1 08
IDVEKTISBMBNTS inserted at thc rate
of'ONE DOLLAR AND FIFTY CENTS per
Mu.ire for the first. ONE DOLLAR lor the |
scc?n l, ??J FIFTY CENTS for each subsequent
nsertion. fur any period less than three months
OBITUARIES, TRIBUTES OF KESPBCTI
and all eouirouuiention* which subserve private]
Dieresis, will be paid ?or as advertisement*.
Coughs, Colds, &c.
For the Speedy Relief and Per?
manent Cure of
And all Diseases of the
Lungs, Chest, or Throat ?
rv HE EXPECTORANT is composed
A exclusively of Herbal and Mucilaginous
Permeate l/ie very Substance of the Lungs
enuring tbetn to throw off the acrid matter which
collecta ia the Bronchi tl Tubes, and at the same
tiuic forms a southing coating, relieving the ir
rt'ation which produces the cough.
The ubject to be obtained is (o cleanse the
organ ot ult impurities ; to nourish and strength
en it ?ben it has become impaired and enfeebled
by disease; to renew and invigorate the circulation
of the Hood, and strengthen the nervous organ?
ization. The EXPECTORANT does this to an
astonishing degree. It is active bat mild and
Congenial, imparting functional energy and
natural strong.h. It affords Oxygen to vitalize
the blood, aud Nitrogen to assimilate the mat
St equalize? the "nervous Influence,"
producing quiet and composure.
It is invaluable, as it immediately relieves the
difficult breathing aud harrussing cough which
attends that disease.
It is a specific-ono dose often relieving the dis- j
tressing choking, and producing calm and
No mother should ever be without a bottle of the j
EXPECTORANT io the houso. We have
numerous certificate; of its having relieved,
almost instantly, the little sufferer, when death
appeared almost inevitable.
MOTHERS BE ADVISED !
Keep ii on Hand !
This dread disease requires prompt action ; as
soon as the hoarse, hollow cough is heard, apply
the remedy, and it is easily subdued ;
BIT TUE DELAY IS DANGEROUS!
.SS, The properties of the EXPECTORANT
are demulcent, nutrif?ie, balsamic, soothing, and
healiog. It braces the nervous system and pro
puces pleasant and refreshing sleep.
It Exhilarates and Relieves)
Gloominess and Depression.
Containing all these qualities in a convenient
and concentrated form, it has proveo to be the
MOST VALUABLE M\G BALSAM
ever offered to sufferers from Pulmonary diseas
WJI, II- T?TT,
?Zf Sold by Druggists everywhere.
Nov IO 8m
Pictures ! Pictures ! ! Pictures ! !
These Picture? are now taken at the Sumter
Gallery, in all sizes and styles-up to life size.
Recent improvements have been brought into
requisition, and the undesigned feels confident
that beean produce as -effect ami well finished
Pictures as can be obtained in the State.
Copying from Old Likenesses, add the original
lineaments of the picture fully reproduced.
J. D. WILDER.
REEDER & DAVIS,
COTTON FACTORS, AND
General Commission Merchants,
Charleston, S. C.
Oswell Reeder. Zimmerman Davis
CHARLESTON, S. C.
This well known and popular FIRST-CLASS
HOTEL, situated ia the centre of the city, and
also in the centre of the Wholesale Business
Houses,affocda facilities, comforts and attention
to Travellers for Pleasure and .Merchants on
Business, second, to.none in the United States.
Oct 20 Om
THE MILLS HOUSE,
PARKER & POND, Proprietors,
Charleston, S. C.
HAVING been recently and thoroughly ren- J
ovated and repaired, is now the most
comfortable and luxurious establishment South
Nov 9 8m
284 KING STREBT, (IN TUB BEND.)
CHARLESTON, S C.
Hi H IS POPULAR ESTABLISH
?I MENT, pleasantly located on King, be?
tween Wentworth and Basel Streets, offers an
excellent accommodation to th? traveling publie.
It ia bnt a few yards from from the City Rail?
way, and not nore iban fire minutes walk to tb?
Post Office, and alt the business houses OD
Meeting and Basel Streets.
Traasieat Beard 82.00 per day.
Special arraagemenu will be made for board j
OB application to the proprietors.
- Nov 18-8?_GBO.-A. WAQBNgft.)
A Hearty Old Virginia Welcome j
A WAITS YOU AT
HEWITT'S GLOBE HOTEL, j
AUGUSTA, GA, ,
tl f isa
W* C. HEWITT, Proprietor.
PA mi on trot IL,
BOARD. PER DAY, $3.00.
HOST, ?aa~n.ro*, xas. H. L. S urra an II?,
gttHKteUM?n?. i Prifritter
Ciaeraw and Darlington Rall li o?d. ?
PCPEMSTEXTEKT'? OFFICE, ]
CHERAw A B DARUHOTOR K. R. Co., 1
CHERAw, S. C., January21,1871. j
kN AND AFTEK. MONDAY NEXT, the 23d I
inst., the following SCHEDULE rill be j
inn bj the Trains un this Road:
DOWX TRA is.
Liave Cheraw at.H.8.45 A, M. |
Lsave Cash's at."...7 lt A. M.
L save So? iety Bill at_.7.50 A. M. |
Lsave Dove's at.8.35 A. M.
Liare Darlington ??.\.9.10 A. H.
Arrive ai Florence at-.10.00 .L M.
Leave Florence at.fi.00 P. M. |
Lsave Darlington at.6.50 P. M.
L?are Dove's at.................7.30 P. M.
Lia ve Society Hill at._8.10 P. H. |
Leave Cash's at...........?.45 P. Bf.
Arrive at Cheraw at.....9.18 P. M.
Other Trains make close connections at|
Florence with tho Trains to and from Charleston,
and to and from Ringville.
Passengers tor Wilmington and the North J
will remain at Florence from 10 A. M. ac til 5.
45 P. M.
Central Bail Eoad Co* I
CHARLESTON, S. C., January ll, 1871.
THE EIGHTH INSTALMENT OF FIVE]
DOLLARS PER SHARE, will be payable]
on 15th March, proximo.
In Charleston-at tho Office of the Company, j
No. 10 Broad-street.
In Sumter-To Major JOSEPH JOHNSON.
In Clarendon-To Dr. G. ALLEN HUGGINS.
WM. IL PE K?NNE AU, Treasurer.
?yy HISKEY-N. C. Corn and Rye, ^
-Kentucky, Ry and >f
gIN-Holland and Domestic, g** 0 ?
UM-Jamaica and Domes tie, r ?
RANDY-French and Domestic, ^"'J^
ALE AND ORTER-English and ?
American, ^ a.<g
W%VR } Sherry, Port. go?
J Madeira and Seuppernong.?^S
GERMAN BITTERS-Knmmel.Wtg. 2
gins' Herb Bitters,
Chewing Tobaecc, in eaddics and 1 boxes, of
Smoking Tobacco, all kinds, in i, 1, ? and 1
Segar?, a good many different sorts and all
The above we offer to the trade lo* far CASH
ADRIAN & V?LLERS,
Jan 13 Wilmington, N. C.
Iron and Copper Works
FRONT STREET, BELOW MARKET,
WILMINGTON, N. C.|
Dealers and Manufacturers of Steam Engines,
Pea Nut Machines, Sugar and other Mills, Gio
Gear, Cotton Screws and Presses, Turpentine
Stills, and all kinds of Castings and Machinery
made or repaired. Also, Packing and Belting,
Wood MouldingT Brackets, Newell Posts, Stair
Railing, Ac, of the latest patterns.
HART & BAILEY.
D. A. SMITH,
WHOLESALE ANO RETAIL DEALER I* '
Parlor, Chamber, Dining-Room,
Office and Library
Blinds and Doors, |
Granite Front Bnildfngs,
Sept 14-6m] WILMINGTON, 5. C.
BOOK SELLER, STATIONER
Blank Book Mainfaetnrer.
Pianos, Organs, Melodeons,
At New York and Baltimore Prices.!
Sept 14-_WILMINGTON, B. O.
GEO, W. WILLIAMS & CQCJ
Proprietors Carolina Fertilizer.
CHARLESTON, S O
COMMISSION ME?CHAMTS| N, J, j
Liberal Advaaees made on Cotton and Pr?*. I
shipped to as hi Charleston or Be? York.
Agent's for Beard's Lock, Karaka and Boah!* j
Tte, Batter ead Swett's Tins.
8apt28-6 a _
X> e BINO'I
'Wi af ug:a
Tia? Para Jatees ol Barks, Herbs, Roots and
B serpas, for
1%^. iatMAsua OlawaawaSsawa*
A iiwfMiMVmtmt xtWmWTwji -
thon WosJrnewaec and ?mt??d at*
Wosss*: 'Fer ioroiaaad doraagsd conditions
of the LsV*, c^sa?e%^a?^stat ?dsstt
For sale by -. < ?V -
L A. McKASW.
Sept 21-8? Droggist, 8o?tar, &. C.
TBE ONLY STRICTLY
Grocery and Liquor House
rpH E U N D E RSI G>N B D. bega leave to
J_ csH the attention of kb friends ' ead the
public generally to bl*
NEW AND WELL SELECTED .
Heavy amiFancy tooeries
Wbieb be offers low for CASH ONLY.*'
^B- All articles warranted as recommend?
IfS" Pare Medicinal Liquors kept; constan
J. H. EBERHART.
J. 5. ASHER A CO.,
Of MMMM Of *?? BBUUM DI .
CUTLERY"; BONS. BAR IR9N. STEEL,
J. B. Adger,
A. McD. Brown,
E. D. Robinson,
G. H Moffatt,
J. Adger Stnyta,
E. A. Smyth. [
ANDREW fficCOBB, Jr.
AND DEALER IN
LIME, CEMENT, PLASTER PARIS,
And other Building Materiel.
LAND PLASTER AND HAY.
217 BAST BAY,
CHARLESTON, SO. CA.
Feb 8-3m} Opposite New Custom House.
Henry Bischoff & Co.,
AND DEALERS IN
WINES, LIQUORS, SEGARS
197 EAST BAY, CHARLESTON, S. C.
Kinsman Sf Howe//,
Factors and Commission
Liberal Advances made on
Cotton and Naval Stores.
13? Mos Ung Street,
g2 East Bay Street,
CHARLESTON, S. C.
Charleston, S. C.
81* A OT1?HH) Bel C H.,
REV. A. M. SHIPF, D. B.. President aad
Professor Mootai and Moral Sci?Dee.
DAVID DUNCAN, A. M., Professor Ancient
Languages and Li tera tore.
REV. WHITEFOORD SMITH, D.D., Professor
WARREN DU PRK, A. M,, Professor Natara!
JAS. H. CARLISLE, A. ?L, Professor Math*,
REV. A. H. LESTER, A. at., Professor History
ead Biblical JMmfrm
Tbe Preparatory Schcol, under the immediata
supervision of the Faculty, Jao. W. 8HIPP,
A. M., Principal.
Divinity School-Rev, A. M. Sbipp, D. D
Rev. Whitefoord Smith, D. D. Ref. A. E
Lester, A. M.
Tbe first Session of tbe Seventeenth Collegiate
Year begin* on the first Monday ia. October,
1870, tbe aaceud Seasiearbegin? on the $rtt Mon.
day in Jan nary, utfl.
The course of stadias aad tba standard of
scholarship remain unchanged, bet the Fa* td ty
now admit irregular students or those who wish
to pursue particular studies eely.
The Schools also open at tbe aame tim?.
Tnition per year, in Cottage Classes, including
contingent fee, $S4 inCotreacy.
Tuition per y ev, in Preparatory Sebeo], iaclue
B il I s payable one half ia ad vaaoe. Board, pc?
Montb, from $10 to $IS ia currency.
For farther particulars rddraac
A. M. SHIPP, Pr?sid?e!.
Sept 19_ ly
Pacific Guano Company's
Soluble Fftdfic Guano.
THIS GUANO LS NOW SO WELL KNOWN
in all the Southern Salsea for ita remarkable
effects as* ea agency fer i acre? aaa?; tb? prod acta
of labor, as not tn require special reeo m men illa?
tion from os. Its OM for Iv? years pest hw es?
tablisbed itscharsrterforTeliable exeeReuee. The
I larg? fixed capital invested by the Company ie
tais trade, stbfds the surest guarantee of the
I continued excel!?ac??f iU Oaaao.
1 ' J. *. ROBSON.
Selling Agent, Charles toe, S. C.
JNO. 8. REESE A CO, General Agents
January 4_ ... . $?
FOR COH^C^TTJtff WTTH COTTON SEED.
HA VS YOU HEARD ?
"Have joa heard that scandalous
Story about Judge Courtenay's youngest
"No 1" quietly replied Miss Rose, to
whom the question was addressed. "I
am very fortunate io that respect. No?
body ever tells me scandalous stories."
Mrs. Bush, the first speaker, looked
jost a little "taken back." Miss Rose
I wa J not one of those people who are
always sueding on their dignity. Nev
i eriheiess, ahe could be very dignified if
?What story f asked Mrs. Holly.
"1 thought the Cou rte nays were very
fax above acaudal."
"O dear nie !" said Mrs. Bush, de?
lighted to have found a listener, "they
wont hold their heads quite so high
hereafter. I understand Judge Courte?
nay is quite overwhelmed, and says he
will never appear in court again, and
her siajera are broken-hearted. No
wonder, poor things !-though, after all,
nobody can blame them."
"But what is the storj ?" persisted
Mfa. Holly. "I haven't heard any?
"Well, I do wonder at that. It is all
over town !" And Mrs. Bush proceed?
ed to relate a terrible tale of sin and
shame; certainly enough, if it were
true, to destroy any girl's fair fame for?
"I don't believe one single word of
it," said Miss Rose.
"Ob, but, my dear, I assure you it is
all true. Brerbody knows it. They
took her away off to California; but the
matter leaked out, as such things will,
your know, and now it is perfectly no?
"I don't believe one word oflt !" re?
peated Miss Rose. "Mabel Courtenay is
as respectable and -good a girl as ever
lived, and very aimableand kind heart?
ed beside. I will never believe such a
tale, without better evidence than 'they
"I agree with you, Blanche," said
Ure. John Barnaby. "I don't believe
one word of it !"
"Ob, well, of course you can do as
you please about believing it," said
Mrs. Bush, considerably offended. "J
know it is so. Why, it is perfectly no?
torious, as I said."
"It is a great pity if it ts true," re?
marked Mrs. Holly. "Such a scandal
in such a good, religious, respectable
family. The Courtenays are all members
of our Church."
"Unfortunately, the fact that people
are members of our church does not
make them all right," said Mrs. Bush,
"Perhaps it ought to do something
toward preventing us, tbeir fellow*
church-members, from publishing abroad
their faults," said Miss Rose, mildly.
"Why, there is Mrs. Pease-the
doctorV wife, you know"-continued
Mrs. Bush, disregarding the interrup?
tion. "She comes to the commuuioo
as regularly as the communion Sunday
comes, and is forward in the Sunday
school and all sorts of things ; and yet
every one knows bow shamefully extra?
vagant she is, and how negligent of her
family. Why, jon know that illness
she had last spring, when she waa con?
fined to her bed so long and saw nobody;
well, to my certain knowledge, all the
time that they pretended she wu con.
fined to ber bed she waa shut up in the
insane asylum, to keep her out of worse
"In tho insane asylum !" repeated
Dulice Barnaby and Miss Rose in a
breath, and in tones of the utmost
"Yea, in the insane asylum ; and, af?
ter all, she goes on in just the same
way, only woree."
"And yoe pretend to say fiat you
knew thia from your own information ?"
?aid Miss Rose.
"Yea-that ia-no, not exactly. You
know, Mr. Pease ia connected with our
famrly. His sister married a "Bush, and
they are related to us through the Roots;
and Mrs. Bush's washwoman told Mrs.
Root. That is eemiog pretty straight,
"Very straight !" said Dulice Barna?
by, not taking much pains to conceal
her contempt. "Nevertheless, Mrs.
Bush, the story is false from beginning
to end. There were not three days
certainly not one week-from the be
ginning of Mrs. Pease's illness to the
ead of it, that Blanche Rose or myself i
?ere not with her a part of the day. I j
might safely say that one or the other
of os ssw her every tibor day during
the whole tiste of her sickness. She
suffered dreadfully moat of the time, and
certainly I never saw any human being
more gentle and patient than sh' waa.
Dr. Wilson san tell you the same, for he
visited the house very constantly."
"Weil, I declare, one never knows
what to believe ! Why, I have heard
that s tory over and over again. Haven't
yon, Mn. Holly ?"
"I sever beard it from anybody but
yon," re'.urned Mrs. Holly somewhat
sharply; "and I never repeated it eith?
er. Eves if assb stories sire true, I
serer sata sw the sss is spreading
"Bat I beard this oe such good an?
thority, I never thought of doubting
it," said Mrs. Bosh, a little abashed.
"An? any bow, Mrs, Banaby, jos nsit
rtUow that Mn. Pease ic a very odd wo
' "?he ie very odd ia ose thing," re
turned Mrs. Barnaby. "She talks a
great deal ; and I sever heard ber ' say
as unkind word or tell a slanderous
?tory of any honan being."
sot make. sar out quite, s taint," said
Mn. Boah, laughing rather uneasily.
"Ian s wis? glad the- story is sot
true, though ? fear she- has gires too
sseVesoaeio* ferriaader. Bot ibtro
Story ooo stowe that!"
"I beg your pardoo, Mrs. Bash, cv
one ?oes not know it," said Mac
Wentworth, who had not before spot
'.The story about Mabel Courtenay
jost aa true as all the rest of it. I h
pen to koow of my owo knowledge t
it is utterly aod entirely false. fi
Coartoay has not dooe ooe thiog io
matter which her most intimate frii
would disapprove. I would advise ;
to be a little careful what you say ab
the affair, as Judge Courtenay is
the mao to sit dowo tamely u ider s<
an injury. You would fee! rather
comfortable to fiod yourself prosecu
Mrs. Weotworth was a very old la
She was also a very rich aod fashio
ble lady, aod a persoo of great Wei]
aod influence io the community wh
she lived. She did oot ofteo go i
society, and it bad oot beeo without
design that she had come with
graodoice, Mrs. Baroaby, to the gath
iog at Mrs. Flower's, Mrs. Bush loot
a good deal alarmed.
"I am sure I only repeated what
beard," she stammered ; "and I hearc
on such good authority. Are you si
that it is not true, Madam Weotworth
"As sure as lean be of anything
aod Madam Weotworth proceeded
give her proofs, which were perfec
"Well, to be sure. Poor girl ! h
she must fee!. But theo the story 1
beeo io every one's mouth, and one
naturally repeats what one hears."
"Does ooe ? I don't know about tha
"Do you think it right, Mrs. Bu;
to repeat what ooe hears to the dis:
vantage ot another, without knowi
anything more of the matter ?" ask
Madam Wentworth, mildly.
"Well, I don't know. Every o
"Every one don't, I am happy to saj
interrupted Blanche Rose.
"Suppose every one does, does th
make it right?" asked the old lad
"We are not to follow, a multitude
do evil, and what every ooe does is o
the rule for Christians. Make the ca
your owo, Mrs. Bush. Would you iii
to have any ooe repeat a scandalous ta
of yourself or your husband, on no be
ter authority than 'they say' ?"
"I don't give any occasion for scar
dal, I hope," said Mrs. Bush.
"No more did poor Mabel. I ha'
been listeoiog to the conversation <
this afternoon," continued the old lad
with gentle dignity, "and I must tav
have been both surprised and grieve
.at what I have heard. I heard aa em
nent orator mentioned, aod forth wi
some ooe declares that he is a very ii
moral mao. He may be, for aught
know, though I do oot believe it; li
I cannot, for the life of me, see ho
moral aod virtuous ladies can possib
bo ?ure it," said Auot Wentworth, wit
a slight smile. "But suppose it ha
beeo your own husband, Mrs. Bush
could you have been pleased to hav
such a remark made about him?"
Mrs. Bush was silent, but Mrs. liol
ly said "nobody likes such things whe
it comes to their owo turn."
"Exactly so, my dear ; aud that is
very good argument on my side; fr
what ye would that men should do t
you, do ye eveo so to them,' isa rule c
the highest possible authority ; and b
the same authority we are told that a
we mete to others so we sharll be mea
sured again. Moreover, we know tha
the sin of lying is one of all thiug
abominable to the Lord, inasmuch aa w
are told that 'there shall in nowise en?
ter into the holy city aoy one tha
loveth ormakcth a lie.'"
"I will thank you not to accuse m
of lying," said Mrs. Bush, angrily. u
have told nothing but what I heard ot
very good authority."
"Yet you see you repeated what wa
false in both cases. You did not knov
that the stories were false, you say
but then you did not know they wen
trae; aod yet you helped to give cur?
ranoy to them. Was that right ? Tel
me honestly, my dear, if you had beet
thc individual talked about, would yoi
oot have thought the person who pro?
pagated tue slander almost as bad as th?
ooe who ioveoted it ?"
Mrs. Bush was silent.
"I cao't see the use cf repeating
scandalous stories, even if they arc
true," said little Mrs Flower. "Sup?
pose it is all so, what is the use ol
spreading the s'ory any further ? It ii
bad enough as it is. I remember thc
answer my mother once made to a lady
about that. Mamma was at Newport
wheo there was a terrible fuss about
Mrs. Wall-you will remember her,
Mrs. Holly-she really was imprudent,
though I don't know that she meant any
harm. Well, after we came home, we
were out somewhere, and Mrs Wall's
case was brought up. 'Here is Mrs
Champion,' said some ooe ; 'she was
there ?jd can tell all about it. Was it
really as bad as they say ?' 'My dear,'
said mamma-you know she always
spoke tbs plain language, a*|Frtends say,
ray dear, thee knows that whatever we
do, we are cm ma nd ed to do all to the
glory of God. Now if thee can tell mo
any way in which thc Glory of God
will be promoted thereby, I will tell thee
ail I koow about the matter.' There
wat no more said about Mrs. Wall that
day, I eeo tell you !"
"No, 1 date say not. Now just sup?
pose that role bad been followed io the
caso before us. Suppose the first per?
son who beard the scandalous tale had
confined it to his or her own breast
for, \o tell the truth, I believe that mea
have had quite as much to do as woman
in the matter-but suppose that he had
let the tale,fas we say, ge in at one ear
and emt ti the other, now much misery
and distress would have been saved td
an excellent family, and how mach
shame anti pain to those who have help
ed to spread the tale."
"People are so reckless about such
things/ iaid Mrs. Barnaby. "Howof
tea ooc hears ic said of a young mao, 'Oh, I
he drinks,' or, 'Oh, he is a very licen?
tious,' when the one making the remark
h.is no: the least personal knowledge in
the matter. For my part, I think it is
a good rule not to talk about people at :
all, un.ess one can say some good of
'It ls, indeed, and perhaps it is even
a better one not to talk of people at all."
"But one must talk of something-,
you know," said Mrs. Holly, in rather
a subdued tone.
"What, with the whole universe of j
nature and grace, the coming elections
and the French war, not to mention the
changes in the fashions and the new
patterns for work, don't you think, my
dear, one might find subjects of conver?
sation ?" asked Mrs. Wentwoith, smi?
"Well, perhaps so, but-however, I
am not going to justify myself," said
Mrs. Holly, frankly. "Ibelieve you are
right, Mrs. Wentworth, and that I have
been wrong io talking about people as
much as I have. I could not help
thinking just now, when Mrs. Flower
was telling us of her mother"-added
Mrs Holly, lowering her voice-"I
could not help thinking, if the Lord
Jesus had been in the midst of us this
afternoon, what Ile would have thought
of our conversation. We are all His
professed disciples, every one ot us, I
believe ; but I am afraid He would have
been ashamed of us, if He had been
"lt is well put," said Madam Went?
worth, solemnly; "and since we are* as?
sured that He is with his His disciples
to the end of the world, and since it is,
or should be, the constant prayer of all
Christians, that they may so realize His
promises as to be one with Him, or as
the Apostle more strongly put it, 'Mem?
bers of His body, of His flesh, and of
His blood,' it behooves us to live always
as in His sight. Shall we take the
members of Christ and make them the
members of an evil speaker, liar, or
slanderer ? God forbid !"
L. E. G.
The recant failures of two life com?
panies in New York-the "Great West?
ern Mutual Life" and the "Farmers' and
Mechanics' Life"-have attracted much
publ c attention.
These failures do not surprise reflecta
ing insurance men. The organization
of new companies in that city has been
of late years at the rate of more than one
every two months, no less than nine
having been organized in 1370. Too
many of these enterprises were started
as private speculations, with little or no
regard to public utility. The special
end and aim was to furnish official
posici?n and salaries to men, too often
over ambitious, frequently incompetent,
and sometimes dishonest.
The, in some respects, excellent
article you copied a few days since from
the "Baltimore Sun," ic in error in
plying that the "Great Western" was
L ,e of the "youngest, smallest, sod least
successful of its class." It was organized
iu 1365. There are nearly thirty Com?
panies in New York its "Juniors." At
the eud of 13G9 only one of its compeers
had outstripped it io the race for busi?
ness, and it had passed by several of its
"Seniors." We do not believe that any
of its three thousand policy holders
think it was too small Neither its
youth, size, not even competition (of
necessity,) had aught to do with its
failure; some of its "Juniors" are re?
markably successful, and are conducting
their business on sound principles.
The failure ol the "Great Western"
was owing to the iHrompetewy of its of?
ficials. There does not seem to have
been any fraud ou their part. Its tables
allowed a loading of 30 per cent, on net
premiums for expense of management.
In 1869 itexpeuded 50 per cent, of io
come on this account, and paid OL death
claims only ll Jr percent, of income,
being ?ess thao was paid by the "Mutual
Lite," of Near York, and 6 percent, less
ttaa was paid by the "Equitable" on
same account, and 4 per cent, less than
the average of Companies of its own age.
An.ong its assets 38 per cent, is report?
ed as due from agents, and nearly the
same proportion is represented by
'-premium notes" and "loans on policies.'
Among its liabilities $60,000 are report?
ed as "due to agents on account of com?
missions." Wc have given these details
in arder to show that its failure waa not
the result of excess of mortality but was
owing to mismanagement-mismanage?
ment of such a kind that tho merest
tyio in business might have avoided.
The failure of the "Farmers' and
Mechanics" ?as owing to fraud from
beginning to end. Thc Superintendent
of Insurance says "that a large number
of false or fictitious entries aere made
of policies that were never issued nor
ev 30 applied for. The expenses of the
Company from the first were enormously
large and entirely disproportionate to
th-; business done."
In fifteen months $68,000 were ex?
pended for advertising, printing and
stationary. Salories sud commissions
allowed officers and agents were on a
scale tbat .no young Compaoy could
The New York Underwriter, for De?
cember, says :
"We have other Companies which, as
respects available means for reinsuring
their policies, are no more solvent than
the "Great Western," and suggests
"that all such, 'paper item' Companiea
set their houses in order, and henceforth
bc. prepared with as much 'realized assets
w ;11 in hand, aa shall be equal to the
?Je venture to add that among them
the editor would include nome of the
"etd and large" companies, the writer
of the article in the "Baltimore Sun"
to the contrary notwithstanding.
We think tbe article from the "Balti?
more Sun tends to an unfair discrimi?
nation ia favor of old as against new
companies. As far as unhealthily in?
crease of business is in question, the
sin is not coufincd to the doings of the
Old companies have some advantage*,
it is true, but they do not monopolize
them. They have large amounts of
assets, but they have corresponding lia?
bilities. They hare large incomes from
interest, but the larger portion of it
belongs, and is returned to, the older
members in dividends, and is not paid
in settlement of claims by death ns the
statements of some agents would imply.
They have experience, but officers o:
young companies have abundant data
within reach to guide them in a safe
discharge of tleir duties.
Young companies have a great ad
vantage iu the rate of mortality of
members, as compared with old com?
The losses of the old business as
compared with new was, therefore,
nearly eight times as great. It must bc
borne in mind, too, that much of the
"old business" referred to above was
secured within the last few years.
The College of Actuaries, of England,
after careful investigation on this point
state that the advantage of a careful
selection of lives lasts perceptibly for
In 1869 one of the largest and most
successful Companies in New York lost
by death IS per cent, more of income
than a young Company that cannot
claim to be more prudent. This increase
of mortality in old Companies docs not
argue weakness. They have made cor
responding accumulations to meet these
losses. The smaller ratio of mortality
in young companies, gives time for ac?
cumulation and eounter balances their
larger tatio of expenses.
The only jost test of cost of insurance,
other tbiogs being equal, is the per
cen tage of premium income paid out for
losses and expenses. Prudent and well
managed young companies do not ex?
pend on these accounts a larger per
centage of said income, if as large, as old
companies, and, therefore, furnish as
cheap insurance as the old, if not
j Wc do not agree with the "Baltimore
Son" in sayiog that "disastrous irrcgu*
laxities" may be avoided in New York
through the Insurance Department.
We may differ as to the meaning of
terms, bat we think the failure of a
Company claiming to have more than
half a million of assets, not one-fourth
of which can be realized, thus disap?
pointing and causing loss to three
thousand policy-holders, is quite a "dis
astrous irregularity." This it failed to
prevent. We do not doubt that these
failures are very unpleasant things to
I those who have proclaimed the "icfalli
I bilify" of this department. Some New
I York Companies, and their agents, have
; claimed that this State supervision gave
"absolute protection" to persons insuring
I in New YorkCompanies,. This al! pre?
supposes that the Superintendent will
j always be honest and sufficiently otn
oicient to detect any untruthful or in?
correct statements made by a company,
located one hundred miles or more from
Albany. Nay, more, even these good
qualities could only detect not present
irregularities. A trust must, therefore
be reposed, and we suggest to those
desirous of making investments in life
policies to seek companies whose officers
and managers they know to be men of
ability and integrity. This is thc best
security against "irregularities."
[From the New York Tribune of M o nil* v.]
THE TRIBUNE ON BIGAMY.
"Tine Wron* H*veu for Bowen."
It appears that one oi our illustrious
legislators, at Washington, is persecu?
ted on account of alleged bigamous prac?
tices. Wc say alleged, because he ap?
pears to be on trial, or giving bail to
appear, or waiting a verdict most of the
time, so that the little modicum of the
work he can give to his seat in the
House seems hardly worth while ; but
nothing definite ever comes of it. Af?
ter a protracted turn in bigamy proceed?
ings, and an eclipse by reason of the
shadow cast upou his brightness by the
many women interested in his lovely
carcer, Bowen, M. C., emerges, puts on
a fresh shirt collar, and takes his seat
io the House of Representatives as se?
rene as if he were not the prize of con?
tending beaoties, the male Helen of a
Homeric campaign. "Here I am," says
Bowen to himself, when he is left to
himself, and sits in the hall of wisdom
among his mooogamus peers : "here 1
am, and I wonder who will come after
me next." Bowen is cot to blame for
being attractive ; he was bim so. But
we question if he is not too attractive
for a member cf Congress. The Boase
ia a tolerably conspicuous place. Bowen
cannot cit io his seat without being the
target of a hundred female eyes, half ol
which may be eyes that have looked on
him before and longed to have him for
their owo Boweo ; nay, might not!
Bowen rise any day to a question ot
privilege, and, laying his band on his
waistcoat, look op to the gallery and ;
rey, I have a feeling, Mr. speaker, that
t am married, more or less to half that
gallery, and I should like to have it j
cleared." Such ? ann as Bowen draws1
too many visitors to the gallery There i
must bc ?orne other sphere of life in j
which his attraction would interfere
lesa with the publie welfare.
Wt are not aeekiog, by mentioning;
thia mitigating circa tn taoce of this
fascination to defend Mr. B wen in
bigamy, it ba hat committed it, or even ;
to polygamy, if ft? hu attempted to prac- i
tice that, wit hoot its accompany^
religion. tor we have no opinion of an
VSTviigioaa bigamist Or polygamist; but!
PROMPTLY EXECUTED AT THE
The Sumter Watchman,
Highest Style of the Art.
what we desire to inquire! , if Mr. R-jwea
was a bigamist, why should we desi?? to
be a member of Congress also ? It* he
had led a life that would render his old
age liable to suits by various women for
th 2 possession ot his temporal frame,
what the world recognizes as the out?
ward, and visible Rowen, why should he
set in to such a conspicuous place for the
exhibition of Iiis penitence as the House
of Representatives'' Did he imagine that
it is a kind of pillar of St. Simon ? Wc
should, however, bc disposed to leave
Bowen, R. (?., to the law and Rowen, M.
C., to legislation j but lie appears now i;i
a new character, to which our attention
is called. The present Mrs. Rowen writes
to the newspapers in deprecation of the
persecution of her hu baud, who is des?
cribed as thoroughly repentant of the
past, and, let us hope, anxious about the
future. "Ile had been an orphan boy
without relations or friends, had drifted
into the company of gamblers and pros?
titutes, and had lived their life until it
pleased the good God to lift him from
the mire, arid stir within him the spirit
of reformation aud purification." It is
no discredit to a perron ta be an orphan,
unless it is by his own fault, like the un?
fortunate Frenchman who murdered his
father and mother, and theo pleaded
orphanage in mitigation of his sentence ;
but there is nothing in tuc coustitutica
of our couniry encouraging oue tobe an
orphan, a bigamist. and a member of
Congress at thc same time. We aro in?
formed, also, that when he last married,
it was with a firm resolve to lead a tem?
perate, studious aud honorable life. Tor
months he has adhered to this resolution,
we also rea I, am! yet he continues to be
persecuted by prosecutions, just as if he
had not repented. We exceedingly
regret that Mr. Bowen had a bad start
iu thc world, and that he has until lately
led a disgraceful life ; nnd we rejoice that
he is resolved upon reformation-even
if, we were about to say, it costs him
half his wives. Rut we remember that
it is the plurality of wives that is thc
very thing in question We sincerely
deprecate persecution of oue repentant.
In all kindness, we should say, Go,
Rowen, and sin no more. Rut don't
go to Congress. Sit down in some in?
conspicuous place for a while, and grow
in grace and iu the knowledge of mono?
gamy, before you appear upon a large
stage of action and fiauut your peni?
tence. It is a credit to you that you
have left the "company of gamblers aod
prostitutes," but it is no recommenda?
tion to Congress that you were in that
company so recently. Really, Con?
gress is not a house of refuge, nor a
reform school, nor a Magdalen asylum
for men-however much it may have
that appearance at times.
Let us not get confused. It is still,
even in this world of complex relations
and natural selections, better had mar?
ried one woman at a time, than to have
married four simultaueossly, and to
have repented of three of the marriages.
An outraged Jaw will exact its penalty
one way or another, and no penitence
can altogether stay it. This is an era
of rather soft sympathy for criminals,
and we never feel like rebuking it
when the criminal is modest and is anx?
ious to make neither his sins nor his
tecantation too conspicuous. We must
try, however, to preserve a place in the
House of Representatives for those of
unassuming virtues. Ail cannot have
the advantages of Rowen for making a
record so bad that penitence over it will
bc a recommendation to Congres*
Rowen may say, and he doubtless does,
and has a right to console himself with
it, that there is more joy in Heaven
over one repentant sinner than over
ninety and niue that never went astray.
Rut Congress is not Heaven. And wc
can say to Mr Rowen, in the present
complication of hts affairs, as Sergant
Ruzfuz said to Mr. Pickwick, "it would
have been more decent in him, more
bec ?ming, in bettor judgement, and in
better taste, it he had stopped away."
Moore, of the linraJ A?ie Yorker was
sitting in his office one at ti moon some
years age, when a larmer friend came in
and said : "Mr. Moore. I like your paper
but ti tu es arc so hard I cannot paj I or
"Is that so, friend Jones ? I am very
sorry to hear that you are so poor; if you
are so hard run I will give you tuv pa?
"Oh, no! I can't take it ns a gift."
"Well, then, let's sec how weean Bx
it. You raise chickens, I believe."
l'Yes, a few, but they dou't bri.ig
"Don't they? Neither does my paper
cost anything, hardly. Now 1 have a
proposition to make to you Tw?i con?
tinue your paper, and w hen you go home
you may select from your lot one chick
en and cull her minc. Take good caro
of her aud bring mc tue proceeds,
w'ether in eggs or chickens, and wc
will call it square."
"Ai! right, brother Moore,'" and tito
old tellow chuckled at what he thought
a capital bargain He kepr the contract,
s'ricrly, and at thc end ?frite year found
that he had patti about font prices for
his paper. He often tells, the joke eu
hiuisclt, and says he ncv> r has had the
face to say he was too r"-?r to take a
paper since that day."-Mudd Firmer.
- CORNED Y-F.T.r.-TtlC Scientific
American informs thc ladte? that if ti.ev
would have corned beef j "icy after it is
cold, and not as dry as a chip, th?y
should put it info boiling water when
they put it on to cook, and ?hey should
not take it out of thc pot v. hen done,
A Colored barber in Iowa I? i >g S;;b
poened to serve as a juror, was, on ii:-*
usual examination, asked "are y<?t i
voter ?" and brought down the r??u<'? by
answering. ' tVe black coonah, hoi ?Mt