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COLUMBIA, B. ft,
IS now o pc nii?; a lino
Indention of Ladies' an<1<
.Gent's English, S vins and
A gi nt for the cele?
brated Pauline Watch Company. Philadel?
phia. Ooid Oh ainu, Vest, f jura, Chatelaines,
Leontine Necklaces, Diamond Rings and
Brooches, Pearl-full and half cote.
I make thia liue a specialty. All Silver void
by mo guaranteed equal tu coin. Sume hand?
some gooda iu thia line, amiable fur Bridal
PLATED AV A UK.
Tea Sets, Cups, Goblets, Castors. Spoons
and Forks, Ice Pitchers, Egg Hands, Coffee
Cutlery, Pocket and Tal.le Knives.
HOUSEHOLD AND FANCY GOODS.
Guns-English Double Karrol, Bree >li
Loading Hi?es, Parlor Lilies, Air (Inns, and
* full stock of Sporting Goods: Dupont A
Hazard Powder; Putois of various sidles
JET AND HORN GOODa!
Ono door North Scott A Cu. s Hanking Mouse
Secure Your Christmas and New Year
BY the authority of tho Act of the Legisla?
ture of Kentucky, of March 13. 1871, the
Trustees of the Public Library of Kentucky
will give a
ORAKD GIFT CON GK HT,
AT LOUISVILLE, KY.,
Suiunluy, December 10, 1N71.
100 OOO Tickets of admission, $10 each, cur?
rency; half Tickets, $5: quarter Tickets, $2.50.
Tickets will bo sent by registered letter; tho
money for them may be sent by post lillico
money order, greenbacks, or draft.
Each ticket consists of four quarters, value,
ti SO each. The holder is entitled to admis?
sion to the Concert, and to tko value of tho
gift awarded to it or its fraction.
$550,000 in greenbacks will be distributed
to holders of tickets, in gifts of from $100,000.
the highest, to $100, the lowest, being 721
gifts in all.
The Concert is for the honefit of tbo
PUBLIC LIBRARY OF KENTUCKY.
The Citizens' Bank of Kentucky is Trea?
surer, and tho corporators and supervisors
aro the Hon. Thomas E. Bramlette, late Go?
vernor of Kentucky, and twenty-seven of tho
most distinguished and respectable cit izens
of the State.
Tba undersigned, late prinoipal business
manager of the very successful Gift Concert
for the bent (it of tho Mercantile Library at
Sm Francisco, has buen appointed Agent and
Manager of this Grand Gift Concert.
The drawing and distribution will take placo
in public, and everything will bo done ttl
satisfy the buyers of tickets that their inte?
rests will be as well protected as if they were
personally present to superintend tho ontire
For tickets and information apply to
120 Main street. Louisville, Ky.; No. 8 Astor
House, New York.
H. N. Hempsted, No. 410 Broadway, Mil?
M. A. French, Virginia City, Nevada.
M. A. Wolf, No. 810 Chestnut street, St
Tickota also for sale ia every prominent
place in tho United st ates.
Owing to the general derangement of mails
and advertisement s consequent on tho disas?
trous conflagration iu tho Weat, tho salo of
tickets in this enterprise is extended to No?
vember 30. 1871, at which time tho main
office, 12J Main street, Louisville, Ky., will
cloHofor adjustment of accounts and business.
No orders, excopt by mad, will be roceived
after December 1, and no orders by mail
will ho tilled aftor December 10. Tho New
York o flic o will close December 10; other
agencies Dceomhor 5. Every ticket unsold
Dcoember ll, will bo cancelled by its number.
Tho drawing will tako placo in public, Decem?
ber 10, 1871, commencing at 7 A. M., and con?
tinuo until the 721 gifts aro awarded. Pay?
ment of awards will commence December li),
at 0 o'clock A. M. Circulars of awards will ho
fonr.d at every agency as soon aa they can h?
issued corteotly, and will also ho sent to all
ticket buyers as soon as possible. No order
will he filled at main office fur less than ?1U.
Nov 10 fia CHAS.R. PETERS, Manager.
Sixty-five First Frize'.MedalB Awarded
WM. KNABE & GO.
Manufacturers Grand, Sqnaro and Upright
rilHESE instrumenta havo bceu beforo the
A public for uearly thirty years, and upon
their excellence alone attained un unpurchaS'
ed pre-eminence, which pronounces them une?
Combines great power, sweetness and fine
singing quality, as well as great purity of in?
timation, and sweetness throughout tho entire
soalo. Their TOUCH
la pliant and elastic, and entirely freo (rom
the stillness f..nod in so mun v pianos.
They aro unequaled, using none but tho very
best sensom <L material, tim large capital em?
ployed in our business enabling ns to keep
continually an immense slock of lumber, Ac,
KV All our square pianos havo onr new im?
proved ovKitsTitUNo SCALE and Agraffe Treble.
?<r We would call special attention to our
late improvement H in GRAND PIA NOS and
SQUARE GRANDS, patented August 14,
18?U, which brings the piano nearer perfection
than baa yet boen attained.
Kv?ry Plano fully Warranted lor.? Y ra??
We havo mado arrangements fu** tho sole
?nholesale agency tor tho most celebrated
PARLOR ORGANS and MELODEONS,
which wo offer wholesale and retail, at lowost
factory prices. WM. KNABE & CO.,
May23PT?Gmo Baltimore. Md.
_American Club Fish.
>U*qp?3[^ A DELICIOUS relish; bettor
and much cheaper than Sardines. For sale
by E. HOPE.
riiHIS COHN SHELLER weighs only t hr co pounds, its made of caa! ?rou,ban & rotary
J. movement, and ia the ural invention in thia lite tl ni chelia "without bictii ti on Ibo
cob," and ia, therefore, tho easiest opei atii g Hand Corn Shellc- iii i xietci cc. it cannot
Ret out of order by nae, will labt tor yrara, theil* all MZt a nf nu. eal?, tan be med by anj
ono at firet Bight, ll can bo fastened tu a bench, chair or table, cr tor portable puipostt
acrewed to a ama)! board, which will answer for a ac-at win n liking the imphmcnt. lu shell?
ing, tho operator grasps tho butt of the car of corn with I he left hand, urcfecuts the amah
eud to the ahclliug teeth and rotates th? sheller with the right band; the acute angular
tooth penetrating between thc rows of corn eloac to tho cob. ahclliug very easily and rapid?
ly; whou tho ear can no louder bo held, tho projecting cob ia taken bold of liv the light
hand, and tho theiler rotated with the kit. Aa thia sheller in patent? d on a new principle,
wo invite inspection, but M Uh ni baa buch an opportunity been oflcrc d to energetic buti?
n?es men. We are faat disposii.g ol County bights to such tri? II. and no others. '1'his little
Sheller supplies a want universally felt, us ia proven by its rapid sale. Tho price-2 .10
puts it in reach of all, white and black. Agenta sell from 1.1 tn ?JO per day; as many aa li, 12
or more on ono farm. It ?ill abell from fi tn I? bushels per hour.
We havo alao tho HARRISBURG TUCKET SHELLER. Price CO centa. Will shell 2 to fl
bushels per hour. Partita wishing Count v ltighta or inn lo r il.foi mali? n nil) nldn t* ua at
Qreenwood, S. C. CIIIPI.KY ?fc Hl'TCillsos,
Nov 9 42mo Agenta for South Carolina.
FBBISET Oil FASSBliSEB HUI.
CHARLESTON, S. C.
TO AND FROM
BALTIMORE, PHILADELPHIA, KEW ?0IIK, BOSTON,
AND ALL THE NEW ENGLAND MANUFACTURING CITIES.
THREE TIMES &Mm^r*^ 111! ?' * " ' ' " ' A W E E K ?
fig VNr ?sj%-tu' tu-'" \J is ?wir. ?
Tuesdays, Thursdays, Saturdays.
EL EG A E T S TA TE-HO OM A CCOMMODA TIOX8.
Sea Voyage 10 to 12 Hours c^^^^^^^^-*> Shorter via Charleston.
TOTAL. CAPACITY, 40,000 HALES RIOSTIILY.
The South Carolina Railroad Company,
AND connecting Roads West, In alliance with the licet of thirteen first clase Steamships to
tho abovo ports, invite attention lo the (?nick time and regular despatch aflordcd tu tho
business public in tho Cotton Stales at the
PORT OF CHARLESTON,
OtiVring facilitica cf rail and aca transportation for Freight and Passengers not excelled in
excellence and capacity at any ollar port. The following apb nd id Ocean Steamers aro re?
gularly on the line:
T O N K W Y O It IC .
MA EUA TT A X, G EO ll il IA,
M. 8. Woodhull, Commander. S. dowell. Commande r.
CHAMPION, SOUTH CAROLINA,
R. W. Lockwood, Commander. T. J. beckett, Commander.
C1I ARLESTON, CLYDE,
.fumes Berry, Commander. J. Kennedy, Commander.
JAMES ADOER, ASHLAND,
T. J. Lockwood, Commander. -Ingram, Commander.
JAMES ADOER & CO., WAGNER. HUGER A- CO.,
Agents, Charleston, S. C. WM. A. COURTENAY,
Agents, Chariest jn, S.
TO PHIL A l> K L 1* MIA.
VIROINTA. I'M PI HE,
Alex. Hunter, Commander. C. Hinckley. Commander.
SAU INO DAYS- THURSDAYS.
WM. A. COURTENAY, Agent, Chai leston, S. C.
T V ll A J. T I .11 O II E .
lianne, Commander. Johnson, Commander.
Dutton, Commander. Sailing Dnys-Every Fifth Pav,
PAUL C. TREN HOLM. Agent, Charleston, 8. C.
Hates guaranteed aa low as these of competing lines. Marine Insurance, one-hall of one
THROUGH BILLS OF LADING A?JD THROUGH TICKETS
Can bo had at all the principal Railroad Oflict s in Grot gin, A labu m a, Te mu este and Misais
State Rooms may be secured in advance, without extra charge, by addressing Agents ol
thc Steamships iu Charlestun, at w hose nflices in nil caaes the; Railroad Tickets should be
exchanged ami berths assigned. 'Jiu- Through Ticket.1- by this route Include Transfers,
Meals and State Room, while un shipboi.nl
The South Carolina Railroad, Georgia Lid rend, in d tin ir rt um cling lines, have largely
increased their facilities lor the rapid moven rut ol Fr tight ?nd Pasaetigers between the
Northern cities and the South and WI M tYintnrtabli bij.1.1 Cmt*, with the Holmes Chair,
without extra charge, have bet n int rod tired nu the South Carolina Rail road. First class
Eating Saloon at branchville. Cu tho Gt orgia KniliniMl liit-l clhss Hi t ping Car*.
Freight promptly traiislerrod h oui r'ti BUM r to il nv ai tl night I rn in a ol thc South Carolina
Railroad. Close connection made with other Ronda, delivei ing Pi fields al tliatant points
with great promptness. The in a nugi is will HM- tv? iv . xi Hit i. to ml ie h tit ir j at ron s that
tho litio vin Charleston cannot be KUI pa sst tl in i'i r| ali h und I he Mitt th five 1} til goods.
I For further information, apply lo . I M Skl.itiiiK. Sum rind tait nt, Chai I? aleut, 8. C.; B. D.
HABEI.L, Geueral Agent, P. (.). Ilex 4.5170; Cilice ?117 Hioadwiiy, N. V : H. ll PK K; r.n. General
Passenger and Ticket Agent, Mouth Carolins Radio ad. A I? VU KO L. TILKIt,
Juno 20 lleno Vice-president Scuth Carolina R?iltond, Charlestoo, S. C.
Butter. Hardware, etc.
4TUBS Virginia Valley BU TTER, -fl f\f \ DOZEN AXES,
li tubs Mountain Butter. JAJv/ 40 bales Bagging.
? tubs line Goshen Hut ter. 21)11 bundles Arrow Tit H.
All nico and fresh and for sale now. 20 dozen Railroad Shovels.
Oct 1 L?RICK ? LOWRANCE. 2oil pairs Trace Chains.
>?a??n<r??. " Just rcoolvod and for salo at lowest market
THE CAROLINA HOUSE prto**, LOitiOK x LOWRANCE.
<-M*. IS onco more open to the public, under TU, ^ . . " .
?nfthe superintendent.) of Mr. R. HARRY. mountain butter.
W The reputation of tho house will ho kept, "I CT KITS MOUNTAIN RUTTER, roi- salo
"P'tfSM Alignai ttl ' i .) low. E. HOPE.
S! Kl ff* ES D
MM U D n
At Atlanta Fair,
For Hetti Family Machine.
At Th omaeville Fair,
Noveuibor 2, 1871,
Fer Hetti Family Much inc.
At the Macon Fair,
With best and most useful
Three Silver Medal?
AWARDED TUE BINOEB
At the Augusta Fair,
EXAMINE OUR MACHINE.
II. D. HAWLEY.
Gem ral Agent (or Georgia, Routh Carolina and Florida.
THE UNIVERSAL LIFE
The Original Stock Life Insurance Company of the United States.
WILLI A AI ^WALKED, President.
HENRY J. FURBER, Vico-Preaident. JOHN H. BEWLEY. Secretary.
GEORGE L. MONTAGUE, Actuary. E. W. LAMBERT, M. D., Medical Examiner.
THIS COMPANY offers the following IMPORTANT ADVANTAGES Ut those
about EFFECTING INSURANCE ON THEIR LIVES:
1. Insurance at Stock Ratee, being from 20 to 30 per cont, lees than the rates charged by
2. Each Policy-holder ia regarded as a Stockholder to tho extent of ono Annual Premium
on his Policy, and will abare in tho Profita o? tho Company to the name extent as a Stock?
holder owning an equal amount of the Capital Stock.
3. Every Policy issueu by the Company is non-forfeitablo, and contains a !claueo stating its
exact Surrender Value.
Before Insuring your Life or accepting (he Agency of any Company,
KU AD THE FOLLOWING)
A lengthened experience bas demonstrated that the rates oi pu minm oidinarily charged
hy life insurance companies are from twenty-five to thirty per cent, in excess of what.are ne?
cessary for a safe and legitimate conduct of the business, lu other words, carefully and
prudently-managed companies charging "mutual" rates have been able tu return to their
policy-lodders from 25 to 30 per cent, of the amount charged for prc minnie.
When lifo insurance companies weru first organized, reliability of the data upon which pre?
miums wore constructed had not undergone test of experience, lt was thought, therefore,no
moro than common prudence to adopt a scale of premiums which would, io any event, meet
all tho presumed and unforeseen contingencies of tho business.
As long as tho matter was involved in some doubt, it was better to fix the rate too high
than to incur tho risk of making it too low; because, in the former case, tho error could be
easily remedied, at least in part, by returning to tho policy-holders, at certain intervals, such
portion of the premium charged as was found necessary for the purposes of the business and
tho completo security of tho company.
Experience, however, having satisfactory demonstrated that theso rates are excessive,
what possihlo excuso can there bo for maintaining them?
Availing themselves of thia experience, tho Directors and Managers of the Universal Life
Insurance Company, at ita orgauizatiou, adopted a t cale of ju emin ms in accordance there?
with, and which has proved to bc fail and adequate, and all that was necessary to meet the
requirements of the business. Theso premiums arc about twenty-five per cent, lower than
those charge by mutual companeis.
It also appeared, inasmuch as tho ratea so established were as near as could possibly be
determined fi. ir rates, and not in excess of what im-urancc has previously cost the policy?
holders in mutual companies, that any profits arising Iron (prudent management Justly and
properly belonged to tho stockholders of tho company, for thc risk incurred by them in
undertaking tho business.
Experience has shown that there are sources cf profit in the practice of the boniness which
th cory will not admit of being considered as ?l?ments in the calcul?t ion of the premiums.
These results form a saving iu tho mortality of the nombi rs of a company owing to the me?
dical selection of good lives, a gain in interest on the investments of the ctmpauy over that
assumed iu the calculation of its premiums, the profits derivable from tho lapsing and sur?
render of policies by tho numbers, and from other minor sources.
Profits from theso sources, iu a company possessed of a capita* of 1200,000, and doing a fair
amount of business, would givo to the stockholders dividends largely iu excess of what were
counted on hy tho Directors of tho Universal at tho timo of its organization. They have,
therefore, determined to divide among the policy-holdci s of the company a large part of the
profits accruing from the Bources named, all ol which havo heretoforo been divided among
The plan adopted for such division is as follows: Every person who may hereafter inanre
with tho Universal will, for thc purposes ol division, bo treated aa a stockholder to extent sf
ono annual premium upon hi? policy; and wiU share in the pre?te of the Company to precisely
the same extent as a Stockholder owning ott equal amount of the papiial Stock.
Hy this system of insurance, original with tho Universal, the policy-holder secures the fol
0 Ming important advantages:
1. Insurance at tho regular "atock" rates, rr quiring a primary outlay of about twenty to
thirty pur cent, leas than that charged by mutual companies, and which is equivalent toja
yearly "dividend" paid in > dvance of that amount on mutual rates. Ibis tow cost of insur?
ance is worthy of attention. Since its organization, this company has received in premiums
from its policy-holders the sum of fl,517.COO. To effect the same amount of insurance in a
mutual company would have coat them an initial outlay of (2 COO.COO By allowing its policy?
holders to retain, in their own possession, this excess of 1483,000, the Universal baa virtually
paid them a "dividend" of $483,000 and paid lt, too, in advance, instead of at the end of ona
or more years It ia impossible to find any example cl a mutual company furnishing insur?
ance at so low a coat by returning to policy-holders an equal amount upon similar receipts.
2 Participation in tho legitimate profits of tho company, upon a plan which secures to the
r?licy-holdera tho Hame treatment which directora and stockholders award to themselves.
This syslen. of participation, in connection w it li the low "stock" rates of premiums, must
necessarily secure to tho policy-holders every possihlo advantage to be derived from prudent
and careful management.
Tho low rates of premium compel economy, and, indepe ndent of participation, guarantee
to tho policy-holder his insurance at a ralo which is not in excess of the coat in well managed
mutual companies; whilo. by tho proposed plan of participation in what may be considered
tho legitimate profits of the business, tho cost will ho still further diminished.
i bus bv tho combined advantages arising from low stock rate- and participation in profits,
it is confidently believed tho UNIVERSAL LIFE INSURANCE COMPANY offers imurauce at
its lowest practicable coat.
aa'ThoBo of tho existing policy-holders who desire to participate in profite nuder the now
plau can do BO by making application to tho head office, or to any agents of the company.
The Company is in a sound financial condition.
Ratio of Assets to Liabilities 186 to 100.
?@K100D|RELIABLE AGENTS WANTED, who will deni direct with the New
York Office, and to whom full goncrnl ngeuts' commissions will be paid.
M. W. GARY,
AI. C. BUTLER,
State Superintendents of Agencies
Office on Richardson street, opposite Columbia lintel, Columbia. ?. C. Sept
Just Received. I (^VST\ CLAIMS ANO JURY CKRTI
1 r? n ALF CHESTS assorted TEA. Though \J,J ?CATEfl ^r^i?rtmr T ? v
JA/ tho price in market has advanced lu nor . ?!' . OAMBRILL. Broker,
cont., wo succeeded lu getting onr August bill /"VLDfBANK ?ILL? ?ntl MUTILATED
duplicated, which wo offer at same price aa VJ ciiltliKNUK bought and sold by
boloro. L?RICK A LOWRANCE. Nov 23 fimo D. GAM BRILL. Broker.