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ANIMALS HEAVILY INSURED.
From Monkeys to Elephants Every
thing Made the Subject of a Policy.
If there is a risk which cannot be
insured against nowadays. it is cer
tainly not that of any animal's death.
From donkeys to race horses. from
pigs to the most valuable stock, from
monkeys to elephants. everything can
be made the subject of a policy. In
deed, a whole circus or menagerie
%an be insured with as much ease as
in the case of an ordinary family. sayz
Certain offices do little else than
"take the lives" of animals. generally
farm-yard stock, at rates ranging
from about 5 to 7 1-.! per cent. and
they transact an enormous bus
iness with agricultursts and others.
But any specially valuable "life"
has to be mainly or wholly in
sured at Lloyd's. some of the under
writers of which institution will take
risks that no other company would
look at twice. It is there. in fact,
that nearly all the curious "lives" in
animal insurance are "taken."
In many cases these risks come
within the original scope of the in
stitution. because they are connected
with animals being transported by
sea. Horses, for instance, are invar
iably insured at Lloyd's -when they
are shipped for a voyage, and even
an odd donkey for one of our colonies
has been made the subject of a policy.
In the same way all manner of fear
ful wild fowl are insured for their
passage to England.
Perhaps the most singular "lives"
"taken" in these circumstances are
those of turtle, which are insured on
the journey from Jamaica to England.
Now and again some of them die on
the way, but they are not necessarily
a (total loss.") They are, if the death
takes place near the end of the voy
age. brought on, duly delivered, and
in the end served up as soup, for
which their slightly premature death
does not unfit them. When a
turtle dies however, it ceases to be
such, and becomes an "angel," and
it is described as an "angel" in the de
Of course, insuring an animal for
a sea voyage is -. very different thing
from insuring a box or a case. The
risks are much greater. In general,
all animals suffer distressingly
from mal de mer. A cross-channel
passage often prostrates a horse.
whle an elephant is sometimes in
agonies for days when at sea. So the
risks of mortality have to be added
to those of fire, wreck. etc.
At Lloyd' however, horses are
commonly insured when traveling
from place to place in this contry.
while race horses are frequently i
sured against all contingencies. Some
years ago a certain gentleman. when
he bought the la Duke of Westmini
ser's Flying Fox for 37.5oo guinea-=.
took* out at Lloyd's yearjy po,licies
on its life for ?3o.ooo at ?6 per cent.
The insurance, which is still in force.
is against the risk of mortality frc;m
any cause. Another valuable animal
life is that of St. Simon. which is in
sured for ?ao,00o.
Other animals are also common
risks at the great underw~riting center.
Many times elephants have been
made the subjects of policies. When
Barnum purchased Jumbo he insured
that great creature at Lloyd's. Jumbo
reached 'the other side of the Atlan
tic in safety, but afterwards came
off second best in attempting to tnght
a railway train. Another big zoo
eleplhant. Jingo. was similarly insured
by Mr, Bostock, who probably did
not reg^et having taken such a pre
caution. for, as everybody will re
member. the animal died-he proved
to be a very "bad sailor"-while on
its way to America. to the heavy loss
of the underwriters.
Often as the "lives'' of elephants
have been "taken" singly at Lloyd's,
the underwriters have only once, per
haps. been offered them by the hun
dred. A whole menagerie or show
has been. insured, as, for instance.
Barnum's wvhen it first came to Eng
land, the animals in this case being
insured against all risks except
natural death. and the property
against damage by lightning, gales,
etc. But such risks as this are ditler
ent from one of 126 elephants in a
lump. These animals were a herd of
working elephants in the east, some
of them 100 years old: and the own
ers wished to insure them "against
all risks of mortality, natural or
otherwise." for twelve months, and
on certain evidence of death. Even
at Lloyd's where a policy for a
million has been issued on one ship,
this was considered rather a "large
order," but for all that some under
writers quoted for the risk. As how
ever, the proposers thought the rates
too high, business did not result.
At least once a much more delicate
animal than an elephant-a giraffe
has been insured at Lloyd's. This
is an exceptional risk, and a high
premium had to be paid for it, be
cause the height of the long-necked
creature and its great timidity cause
it to be a very "bad life". Probably.
however. the giraffe was insured only
during its transport to England.
The original boxing kangaroo was
another remarka'j!e risk taken by
Lloyd's. and well it s remembered.
because .ome of the members lost
heavily on it. When it died the un
truth is the second term should be
derwriters interested made applica
tion for its skin, but the animal's
owner refused to give it up.
Valuable monkeys have been re
peatedly insured at Llod'4, though
rarely to the satisfaction of those
who have taken the risks in connec
tion with them. The latest was Con
sul. which died not long ago in Ber
lin. Valued at ?25.000. -the "human
chimpanzee"-which was trained, by
the way, a Didsbury. near Manches
ter-was insured for ;Eo.ooo.
Of course, all risks of this kind are
split up among a number of under
I writers. ea'ch of whom takes only a
comparatively small amount. It may
be imagined, too, that there is no ta
ble of rates for them, because the
chances of mortality cannot be cal
culated. The numbers are so small
and the circumstances so variable
that it is impossible to work at aver
ages as a basis for quotations. Ani
mal risks, in fact. are gamblers.
Socia News. -
What the Letters Meant.
"Among the many odd and interest
ing characters in Kansas." said Mr.
W. E. Bladen of that state at the
Raleigh, "is Col. W. P. Hockney, bet
ter known as 'Bill' Hockney' to a
large percentage of our inhabitants.
He has had a very interesting and
somewhat varied eareer. particulaily.
a politician. For n.-nv years he was
one of the most rampant and ultra
Republicans in or out of Kansas.
L.ater he became a Populist. then
went into the Democratic camp, but
finally repented. and is once more in
good standing with the party of his
"In the boom days in our region
Col. Bill becanje a large investor in
real estate iu a Kansas town that hil
fair (so the boomers said) of equal
ir- Chicago, and. being an energetic
and thrit: citizen. he put up a block
of buildoigs that were the pride of
all the' ci:izens of the infant metro
po. lis. Over the central one he had
cut in. ia:.e characters his own in
itials. W. P. H. Well, the boom had
its bri if and glorious day. and the in
evitable shrinkage came. Hockney
was caught in the slump to the tune
of a good many thousands. and he
a stranger eno.ered the place, and in
a stanger entered the place. and in
making a tour of the town saw and
admired the lovely block that Hock
ney built. Curiously enough. he got
into conv ersation with the owne'r,
who happened to be standing in near
proximity to the pile.
' 'h.' said the stranger. 'this
row~ of buildings would do credit to
a town of 1oo.00o people. But please
eplain to ine the meaning of those
letters. "W. P. H." that stand out
in such hold relief ov'erhead.'
~Those letters. sir.' responded
the colonel. 'were placed there by
myi own orders. and they' mean that
William played h-.'"
Hetty Green Turned the Tables.
Hetty Green. of New York, had a
way of taking care of her own even
in her youth. A Vermont neighbor
tells that while she was living on her
ew England farm she had for a
neighbor a particularly unneighborly
'ld bachelor. One day. while the
threshers were at work on her wheat
crop,. the winnowing-fan broke and
he sent over in great haste to bor
row her neighbor's machine. "Cer
tainly." was the reply. "Mrs. Green
may use the fan. but I make it a rule
never to allow~ nmy implemnents to be
taken away from the farm. The ma
chine is in the barn, and she may'
bring her grain there to be wvinnow
ed"an offer it was manifestly i
posible to accept.
Mrs. Green had not forgotten the
implied refusal when the old bachelor 4
1 sent his hired man over one morn- 4
ing to borrow her side-saddle for the
use of a visiting relative.
I " shall only be too glad to favor 4
him.*" was the word sent back by the j
astute Mrs. Green. "But I never al
low anything I own to be carried off
the farm. My saddle is hanging 4
across a beam in the barn loft. Tell
Mr. Broivne to send his aunt over.
She may ride there as long as she
Not Receiving. 4
Bacoi-Have you any reatives in
Egbert--Yes: I've an uncle out
Bacon-HRve you any relatives in
during the position. I suppose?
Egbert-No(. I can't.
Bacon-Can't? I thought you were
going ort to the fair?
Egber:-l am: but I can't stop
with uncle. He's in jail. I
The curiosity exhbted toward Miss!
Alice Roosevelt at St. Lous was!
enough to bull the rubber market.
The number of murders per million
inhabitants is: In England, 5. 13; in
Germany. 5.45; in France, 11.55; in!
Austria. 15.42: in Italy. 76.11, and in
Scholarship & Entrance
The Examination for the award of
vacant scholarships in Winthrop Col
lege and for the admission of new
students will be held at the County
Court House on Friday, July 8th, at
9 A. M Applicants must not be less
than fifteen years of age. Whenschol
arships are vacated after July 8, they
will be awarded to those making the
highest average at this examination.
Scholarships are worth $100 and free
tuition. The next session - will open
September 21, 1904. For further m
formation and catalogue address
Pres. D. B. Johnson, Rock Hill, S. C.
Newberry, S. C.
Capital - - - $50,000
Surplus - - - 19,500
since organization 21,000
Paid Depositors in 4
Savings depart- 4
ment since or- 4
ganization - - $9,200
A man working by ibe day is paid
for the timue he puts in at work, but
when that wan saves a dollar for his '
day's labocr it works for him nights, ;4
a.s well as days; never iays <if on ac
count of bnd weather ad r.tver getsI
ick, but goes right on earning him
an incoume. I.ts a nice thi:ig to work
for mon'ey, but it's much nicer to
have money working for y on. Try
it-open a savings acco~.unt with ni'
and get some money work-ing for you.
Make a deposit in the Savings de
part ment today and let it begin to
work for yon. It.ter"s' computed at
4 per cent January 1 and July 1 of
The Commercial Bank
of Newberry, S. C.
INVITES THE ACCOUNTS
INTEREST PAID IN SAV-1
PROMPT AND COURTEOUS1
TREATMENT TO ALL.
SAFETY DEPOSIT BOXES
Jno. M. Kinard, President.
0. B. Mayer, Vice-Preside. 3
Z. F. Wright. Cashier.
0 We hearby announc
0 candidate for more bu
& ourselves to satisfy all
We believe in wor
By putting the cents in the rij
:ustomer is the one who continue.
ident of getting a dollars' worth
)ought goods, lower prices, and
Muslins! Fresh, L
!0 cents kind at 15 cents.
12 1-2 cents kind at 10 cents.
I 1-3 cents kind at 6 1-2 cents.
BLACK GOODS! COMPLETE
Tussah Silks, Voiles, Crashes,
White Goods, Swisses. .Ginghar
'Cost Sale" competitors Can't To
on every pair of shoes and
The biggest and best line we h
vill not allow us to quote prices, :
uit or extra pants for less mor
iave in stock and not what we ha
Come and st
S. J. W(
Agent for Butteri
IAT THE RUSSELL C
Will find a full line of Grocer
Vegetables, Tobacco, Cigars, &
thing in the grocery line come 1
my Boneless Pig Feet, Columbia )
Tripe and ofber nice things usual
cery Store. I have got the goods
will appreciate your trade and tr
filled promptly; goods delivered <
you the very best goods you can bu
is possible for them to be sold at
Be sure to find the place, the Russ
JACOB L. D
THE HONEST GR
eWe are still hern
S friends and cu
: best goods Fo
e money. Our 5
are full, and we
*ning the :ame
* way in measure
\4ot those mentioi
ut a fresh lot jus
Try ou Pinocli
Phone 1 10.
;e ourselves as a
siness and pledge
rht place. The well pleased
to come where he feels con
for one hundred cents. Well
honest dealing has kept us to
15 cents kind at 12 1-2 cents
o cents kind at 8 1-2 cents.
5 1-4 cents kind at 5 cents.
LINE JUST ARRIVED.
Lawns, Nainsooks, Linens,
ns, etc., at prices that our
Oxfords in the house.
ave ever shown. Ouu space
ut we will sell you the same
ey. We advertise what we
ve "Just Sold Out" of.
ILD STAND YOU
ies, Confectioneries, Fruits,
When in need of any
:o see me and try some of
tiver Salmon. Seaquads and
.ly kept in a first class Gro
and my prices are right. I
eat you right. Mail orders
m short notice. I will give
y for as little money as it
and live. Come to see me.
ll old stand.
i offering our *
r the least.s
ware rooms 0
are still run- *
Sand weight. *