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INSURANCE AGENTS !
ASSERT (OMFAMES WON'T
KETIKN INLLSS AMICOttTACT
LAW is CuA^GEi)
Ke^e an Courier.
Oolumbiaa, March 6.?That 93 pel
* -U ~ irvenron/>i. r>om nQl II,--;
C?El IM UliV illC 1UJ>HUUVV
will withdraw from Dullness hi South '
V troiina, and wi ll no L ret am untjii
ibtre is some change in the law, '\\as j
the statement made here tonight by a |
prominent insurance agent, who
"wants the people to know the situation."
This same authority said the
companies would not come back "until i
there is some relief from the conditions
of this abortion," referring to trie
anti-compact act. j
"I want the people to be informed
of the real situation," he said, "and j
the present deplorable state of affairs j
has foeen brought about by the follow-,
"The killing of the hill introduced
a I the request of the insurance commissioner
giving him authority to re-!
view the rates made by the Southeastern
Tariff association; outside Inter-!
*:erenee and the 'getting even' of the j
insurance commissioner, who tagged;
on the anti-compact bill the provision
giving him the right to review rates;
and ismorance of -conditions on the
part of the framers of the bill.
<rnie killing of the bill, house bill
No. 40 and senate bill No 31, introduced
at the request of the insurance j
commissioner, giving him the author-;
ity to review rates made by the Southeastern
Tariff association for this
State, which was done by the Southeastern
itself with outside assistance.
"Had this bill not been interfered with i
and been permitted to pass not a company
in South Carolina would have
withdrawn, neither would the Southeastern
Tariff association have been
driven out, but the people of the State j
would have been very largely bene- j
iitled by equalizing the rates, and f
where they were too high they would '
have been gradually reduced. This is
evidenced by the fact that in the ^
Spates of Minnesota, Iowa. Missouri i
and Oklahoma the rates are revised I
by the insurance commissioner. In I
she States of Texas and Kansas, the i
State has the absolute power to make
rates and the companies are doing business
at the same old stand.
HOW IT WAS DONE?
"The Laney bill, which drove out
tiie &outneasiern lariu assucitiuvu, i
was -framed very largely by men wJio '
are not familiar with insurance business.
and have no correct knowledge
of the relationship between the Southeastern
.Tariff association and the com- 1
-jrauies themselves. Had they realized ;
at the time of drawing this bill Its
far-Teaching effects they would have 1
?ent it, not to the committee on agri
'culture, but to the committee on banking
and insurance. They "would also
have consulted the insurance commls- '
sioner a great deal more than they
' "When the bill had passed the Senate
and the insurance commissioner's 1
bill had been kilied by the Southeastern
Tariff association and their asso- '
ciates, the insurance commissioner 1
had the anti-compact bill amended by '
.giving him authority to revise the
rates and it was passed giving the inA
surance commissioner the autnomy 10
review rates, when as a matter of fact 1
the Southeastern Tariff association. f
- having been driven out and the State !
having no machinery for making rates 1
itself, there is nothing left for the com- j 1
-panies to do but to establish, each j:
company for itself, a rating bureau!J
-:'or South Carolina an expense and a
Trouble that the business of South Car-1
oMna will not justify anv company to !
do. There isn't the slightest probability
of any company attempting it,
and the sooner the insuring public
undertakes the situation the better off
shev are going to be.
"One section of the anti-compact
bill prevents rebating, but with the
exception that it does not apply to insurance
placed by or through the State
warehouse system. This gives the
warehouse commissioner the right to
place insurance on other property than
cotton and the insurance peopie oojeci
very much to this, which they think
is discriminating against them.
"I.f the provision giving the insurance
commissioner the right to review
* 1 ~ /vf
and maKe rates nact Deen uui vi i
the anti-compact bill, the fire insur- j
ance companies would not have with- j
drawn from South Carolina.
"The object of this statement is to 1
impress upon the people the utter j
hopelessness of the companies coming I
back into South Carolina as long as:
this law stands, "because, as shown j
above, it was passed as a result of out- j
side interference misinformation and
'getting e.en,' none of which is a good
business reason for framing laws. The
real sufferer will be the people themselves."
COTTOX ACREAGE REDUCTION
IS URGED OX THE FARMERS
Atlanta, March 11.?An appeal to
the farmers o\ the >South*to cut down
their ortton crop this year and raise
more food crops and assurance that
more money would be goiten for a
small crop than a large one, was issued
today by President Charles S.
Barrett of the National Farmers' union.
"A few days ago I pointed out to
you the danger of planting ~oo much
coton this year,'' he says in his ap
peal, "and under present conditions I
repeat now, if you make this mistake,
you will probably be wearing this '.all
a longer face than you wore following
the harvest of 1914."
He then quotes government figures
to show that in 1910 a crop of 11.500.000
bales brought a total of over $S10,
000,000 while a crop of 15,500,000 bales
the following year brought a total o
"All 1 ask,'' continues Mr. Barrett,!
"is for you to study these figures, and
apply them to your farming methods, j
By devoting pari of your time to food!
crops, you will have plenty of meat in j
the smoke house and plenty of hay In j
the lor. You can then snap your fingers !
at the world that is dependent on you j
instead of beins: dependent 011 it as
you have been in the past."
PROGRESSIVE*ESS OF THE
<*MOO>LI(rHT SCHOOL' IDE t
"JThese fractions are fine! I never
was able to figure a load of corn before
and know that I was getting what
was coming to me. Yon bet you I can
Such was the proud boast the other j
day of a 64-year-old farmer studying
in the moonlight schools of Oklahoma
?a man who a few weeks be.'ore
"could manage to write his name "but
mighty few folks cou'd read it."
And all over the South this sort, of i
glorious work is now going on, North
Carolina at one end and Oklahoma at
the other being equally interested. One
farmer we heard of the other day had
never been able to sign his name to
his bank checks, but after going to I
school a rew nights the cashier saw '
him come in and instead of making
his mark, picked up the pen with the
proud exclamation, "Now, see her j
rip!" and dashed off his full name
without help. In the Oklahoma school
in which the 64-year-old farmer learned
his fractions, a writer describing
[he opening night says:
"The pupils came, and the kerosene
tamps illuminated a strange scene.
Some came afoot, some horseback, and
some in wagons, bringing the wife and
babies, ntti-ere were three pallets on
:txe teacner & rostrum zaaz uigm, auu
there s-tept babies while the parents
worked. * * * They sat in the seats
jvhere their children and even grandchildren
sat -"by day. iSome of them
trere put in tlie chart class others
could start in the primer, and some
svho could read tolerably, plunged into
:he mysteries of arithmetic.**
Only th;is morning as we write this
i report comes to us of a "moonllgHt
>chool'r (or perhaps it would be more
iccurate to call -them "night schools"),
not many miles from onr office in
which 24 men and women were enrolled,
the pupils not only learning to
read and write, but getting a pretty
?ood start in arithmetic. "Learning
5gures" is popular because nearly
everybody wishes to know that he is
getting the right pay when he sells
anything and not being cheated when
tie buys.?The Progressive Farmer.
When illicit distilling was common
in Ireland there was an old man who
went about the country repairing i
whiskey pots. The gauger met liim
one day and asked him what he -would
take to inform him (the gauger) where
he repaired the last whiskey .pot.
"Ochu" said the old man "I'll Just
take half a crown."
"Done!" retorted the gauger. "Here
is your money, but be careful to tell
me the truth."
"Och," I'll tell you no lie, sir. I
just mended the last whiskey pot
wrherf* t:hp hole was."
A Boston school teacher had read
Whittier's "Maud i.Mnller," to her pupils,
and at the close of her reading
spoke of tlic sorrowiui sigmneanee 01
the words. "It might have been." She
asked the boys and girls if they could
think of any four sadder words. One
alert youngster of n dozen years held
up his hand and said:
"1 know two sadder words."
"What are they?" asked the teacher.
> "* ' *
RFLES GOVERNING BUSINESS
. MEN';* TRAINING CAMP
1. Qualifications?<An applicant for
enrollment for the "Business and Professional"
men's camp must be (1) a
citizen of the United 'States or have
taken out first papers (2) between 21
and 4."> years of age (3) of sound physical
condition, capable of hard drill
?3 ? -*-iL _ ^..n : ^
i ;ina maiit'uu*r maruumg wua a iuii ni:
i'an11 v* equipment; eyesight normal or
| corrected by glasses to admit of tar,
get practice; (.4) have a college educa|
tion or the equivalent. By "equivalent"
is meant a good elementary educa!
tion which has been supplemented "by
I business or professional training. This
; to be stated on application blank,
j 2. Period o Camp?The first camp
I will open Monday, April 3, and conJ
tnue to April 30. 1916. Men are re
I quired to report in camp on April 3.
If conditions -warrant, other camp?
I will follow this one. A student camp
will open July >, for students at least
five feet four inches in height and between
till* ages of 18 and 30, in universities,
colleges and the graduating
class of high schools ?and other
schools rated as such?or graduates
I o the same.
i 3. Location?The camp will be loj
cated at Fori Ogletliorps. Ga., a milij
tary post now garrisoned by the llth
I 1". S. Cava^-y.
It is near Chattanooga. Tenn., with
both electric and steam railway seri
ice bet ween the city and the training
4. Camp Equipment and Expenses
?Arms, ordnance and equipment, including
mess outfit, will be furnished
by the United States army.
Expenses?for four weeks (exclusive
of expenses to and from camp,
and the- uniform, which costs from
$S to $10) about $30. This is to be
deposited in advance and includes $o
to cover loss or damage to United
Stales property which is refunded in
case no loss or damage is incui ed.
This sum covers board, camp expenses,
and ammunition expended.
government loans tentagc, ordnance
(full field equipment), blankets
ponchos, cots, pillows, sweaters and
mattresses. City furnishes camp site,
drill grounds, running water and electric
lights (latter in mess shacks, Y.
M. C. A. tents, officers' and orderly
tents, rears and showers). It also pays
for damage to crops on maneuvers.
Y. M. . A. furnishes a large tent
for each battalion, tables, chairs and
All instructors are officers of the
Note.?Each company has attached
to it one sergeant and one (private
of the regular Army, as sergeant instructor
and signaller respectively.
Extra pay 'or cooks and waiters?
who are detailed enlisted men?is
paid out of the $30 deposited.
5. Uniforms?Each man must take j
?1 pair tan marching shoes, medium
weight socks, 1 paor shoes or sneak- J
ers, underwear, 2pairs leggins, regubreeches,
cotton; 1 pair leggins, regular
pattern; 2 olive drab shirts, wool;
1 army blouse, cotton; 1 campaign hat
and cord (special for military training
camp); toilet articles and other i
Articles of uniform may ibe purchased
from Posi Exchange, Fort
- - A ? ^
ugieuiorpe, \jra., Army ana ^\avy uo- |
operative Stores, 16 East 42nd St., New j
York, Sigmund Eisner, 103 Fifth ave-j
nue N'ew York, or from camp store.
These outfitters will furnish measurement
blanks on request.
The Munson last shoe is recom-!
mended, but any good tramping or i
hunting shoe of fair leather will be j
satisfactory. (Must be broken in). I
All necessary articles of uniform or |
clothing may be purchased at the camp
store conducted by the camp authorities.
Civilian clothing, etc., in trunks and !
suit cases will be properly stored. |
6. Transportation ? Chattanooga,
Tenn., is reached by the .following
railway systems: Southern, N. . & St.
L.; C. X. 0. & T. P.: Central of Georgia
; A. G. S.; W. & A. Camp is reached
by steam or electric railway.
Arrangements have been made for
special rate for attendants of 1 1-2
cents per mile each way for the round
Facilities for moving passengers
and baggage direct to the camp hare
Agents of any o* the above railway
systems will furnish, information as to
ratpc i-nntAc cr^hArlnand n.rrnTiS'P
merits for special cars and trains
where the numbers warrant.
7. Books on (Military Matters?It
i is recommended that the following
books be read before attending camp?
Infantry Drill Regulations; or Cavalry
- T> 1f r ^ XT' I 1 ,1 A rtillcirv
> CIV ICC- I ill * Ul J' i*. iu lUiV/i;
j Drill Regulations; V. S. Army Field
I Sor> ice Regulation?: "Manual o.' Milj
itary Training,'' by Captain Jas. A.
! Moss. For those wishing more information
additional books are suggested:
Tactical. Principles and Problems
(Hanna); "Basic Course for Cavalry"
(L. . Andrews); "Elements of Military
Hygiene" (Ashburn); Military
Sketching and Map Reading for Non.
Com. Officers, by Lieut. Grieves.
The above may be obtained from
The Army and Navy Cooperative
Stores. No. 76 East 42nd St., New
York; Tin* U. o. Infantry Association,
| wasmngion, v. , me ueorge uanta
| Publishing Co., Mena-sha, Wis., or from
I any book publishing company.
I 8. Inoculation?It is strongly recI
ommended by the typhoid prophylaxis
| inoculation be taken at the camp or
i be ore, if preferred. (Xo charge for
; this treatment at the camp or for ap!
proved applicants at any army post).
: Xot obligatory.
9. Instructions?The purpose of
the camp will be to give eacli attendant
as much of the fundamental education
of an officer as can be imparted
in the duration of the camp. A cer
i tain definite routine will be prescribed
' for all, including rifle practice.
Special opportunities under selected
officers will be offered ."or training in
various branches of the service, cavalry,
artillery, engineers, signal corps,
' and first aid.
There will be present at the camp,
: ca . airy, artillery, signal corps, and in!
fan-try officers of the regular army. I
I Those who have had a fundamental
infantry training or have attended a
military training camp, may enter <Ji1
rectly a troop of cavalry or a battery
1 of artillery and devote their time to
this special training, provided there
i are enough applicants.
10. Organization?Attendants at
the camp will be divided Into war
strength companies of infantry, troops
j of cavalry, or batteries of artillery,
' commanded by officers of the regular !
army, whose duties cover not only j
those of instruction but also the health i
and general "welfare of their com- !
mands. Attendants are on a Cadet
11. Special Periods of Attendance.
National Guardsmen?Those who are
members of the National Guard or
, who have had recent military train[
ing (since August, 1911) may apply,
i and on approval may attend for less
than the prescribed period. As the
; military training is progressive, the
latter part of the camp is recommended
for such men. Men of sufficient ex
perience will be used as officers and
non-commissioned officers for the va
nous organizations, rne original enrollments
stating experience are on
file with the commanding officer of I
i the camp.
12. Examinations.?No examination '
| is required, but a board of regular o>
ficers on duty at the camp will make
such recommendations as to Individual
qualifications as they may deem proper,
to be filed with the war department.
For further information apply to
Officer in Charge, Southern Military j
I Training Camp, Governors Island,
I N. Y.
i SHOULD ACQUIRE THE
Hoard's Dairyman calls attention to
! one subject that should have attention
| in this connection?the need for hav1
in-g and using a good dictionary in
i every home. Every -bookshelf ought to
I begin with the Bible and a dictionary
: (not the cheapest, smallest one you
~ oiMiat K-ii+ n i-ooTTv pnr\A An
gci CllUCi , u u t. u i vuii; qvvu VM-V/ f
and then other books should be added
! as -'ast as possible. We know no better
way by which the uneducated man
1 may educate himself than by following
i the simple .plan of keeping a good dictionary
on the center-table and asking
; it to pronounce and define every word
he comes across in his reading.
J :The importance of this subject ts
further emphasized by Miss Elizabeth
D. i.Vbernarhy in a letter we recently
received from her in which she points |
our inar ine it-a i-uu-u rv uu agiivuauii I
contains no explanation showing chil- j
j dren how to pronounce pollenization. |
celydon, potein, etc., and other
words numbers of which she also finds
are not included in the child's school
dictionary! Miss Abernathy adds:
"I am also a .farmer, but formerly
| I taught a country school. Ten years
ago the hardest problem the rural
school teacher had to solve was how
to teach correct pronunciation. Chil|
dren were forced to depend upon the
I teacher for help to call words in all
their studies. These 'spoon-fed' pu?
pils seldom learned to read well bej
yond the Third Reader. The teacher
1 could do little but pronounce words
! Get the "dictionary habit" yourself
j as you may need it, and by all means
insist upon your children acquiring
it.?The Progressive Farmer.
To Drive Out malaria
And Build Uf? The System j
Take the Old Standard GROVE'o!
TASTELESS chill TONIC. You know :
what you are taking, as the formula is j
crinted on every label, showing it j
- - - - x I
i Quinine ana iron ;n a tasiejess iuxu;
; The Quinine drives out malaiia, th- I
*vov builds nn the c.o oprr* J
THE HERALD AND NEWS ONE
YEAR FOR ONLY $1.50.
.? iwn.au*.Ii.^1.1' I. ?. \
rUIM A f
The place to buy your
| China is the place that has
the largest stock to select
I from at the right price.
Come and be convinced.
Mavps' Rnnk fo Variptv Stnrp
1IIUJ VV A^VVll V M1IVIJ V/iVl V
The House of a Thousand Things.
A Card to Owners
of Rural Telephone Lines
We are anxious to see that all lines owned bv
other parties and connected with us are kept in such
condition as to furnish efficient service. Where the
owners of rural lines are responsible for their upkeep,
we want to co-operate with them.
All lines require a thorough overeauling occasionally
if the best service is to be obtained. We
recommend tfcst every line connected with us be
overhauled at least once a year, and that at least one
experienced telephone man assist in this work. The
cost of this work when divided among all the patrons
of the line, mak^s the amount paid by each man
small, and this cost will be more than offset by the
improved service. J
If the owners of rural telephone lines in this sec-1
tion are experiencing tibuble with their service, we
will appreciate their talking the matter oyer with our
Manager or writing us fully. We will gladly do
what we can toward helping you improve the condition
of your line. * jg
SOUTHERN BELL TELEPHONE 1
AND TELEGRAPH COMPANY
BOX 163, COLUMBIA. S. C. 9
ARRIVAL OF TRAIJiS *'ARSEBS SHOULD
HAVE TORRENS TITLES
On Southern and C. Jf. & L. Railroads at
dewberry, Effective Jan. 20,1916. Mr. .James W. Hicks, of Goldaboro,
- ; V%ys..i V*irt n^tr Ta?
senas us a ciuppiug clltuul u*?*xwr. _?-?
On Southern Railroad? rens deed to his land, secured at a cost fl
No. 15, west 8:48 a. m. of only $20 and in just ninety days
No. 18, east 12:15 p. m. after starting the proceeding in the
No 17, west 2:50 p. m. courts. He is immensely pleased with
No. 16, east 8.54 p. m. his test of the Torrens law,, of course, v
and urges land owners everywhere B
On C. N. & L. Railroad? to investigate its provisions. In his
*No. 12 (mixed), west 5:14 a. m. Iett r he gays: |
No. 55, east 9.oS a. m. 4<I am you a clipping .from
No. oJ, ^-est .l.'ju xu. tlle (jreen&boro Patriot, wnicn i woum -
No. 53, east 3:22 ,p. m. , , _ . . ... , . 1
_ n be glad to have you publish in your
*No. 13 (mixed), east o:30 p. m.
valuable paper. I employed Mr. Bruce 1
No. o4, west 7.00 p. m. _
... A _0 Craven to secure this ;Torrens title,
IN . 50, west 9:o3 a. m. , , ,
... -.en ~ on account of Ms wide knowledge of
t.\o. ol, east o:d0 p. m.
Daily except Sunday. rSunday only. 016 Torrens ,aw- and 1 take grea4
West is to Greenville. Bast is to pIeasure in sayins that 1 am bi<**'
Columbia 1 P^eased with the "promptness and disT
S Lefler T A. I patch with which the transaction was
January 20 1916 ' carried through. I received the title
oii! from Mr. Craven this morning, and
All Soutnern irains are icguiai
trains. On C.f X. & L., Xos. 55, 52, 33 after reading it over very caefully, I i
ar.d 54 are mail trains. fee* that 1 wouldn't be without it for J
Time of Closing Mails, dewberry, S. C. -or ten times what it cost me. Every ^
(January 21, 1916.) property owner ?hould investigate thfg
Southern Railway?S: 18 a. m., 11:45 | Torrens law."
a. m? 2:20 p. m., S: 24 p. m. We are printing on another page
C., X. & L. Railroad?9:23 a. i*., the clipping sent by Mr. Hicks. It
12:36 p. m? 2:50 p. m., 6:30 p. m. ought to stimulate our North Carolina
W. A. Hill, Postmaster. aH(j Mississippi readers to take adi-kf
Tnrronc. (TaiW now in H
? ?W^? J * CiJLA LCA?-,\~ VJ. buv AV** wmw
I ROUNDABOUT SLUR. i force in these two States, and it ougfefc I
"I thought your wife's name was | to stimulate readers in other State* to
Elizabeth?" demand the adoption of the Torreng
"So it is " principle.?The Progressive Farmer.
I "Then why do vou call her Peggy?'' i
I "Short for Pegasa." I 'nvigoraUng to the Pale and Sldftj? JB
"What has that to do with .it?" ^?K32SSS^??8B?SlESa ^
"Why. Pegasa, is feminine for Pe- j *;ui.:b-Mebio<vjbuild?
gassus." ^ ~ ~ r-. _~ _ ^ ^ ^ jfeFl'
io u *vMur M ? ? ? w ? ?? ? 1
Well. Fegasus is an immortal j V7i!I * rs RllCUmatiS3n,v>-]ew- j
steed." ^ ' rai^in/K-jadach*' Cramps, C0V1
"Sh! Not so loud! She*3 in the next ';c: . i'etter Pin-l-'VvVrr " Jf
room. You see. an immortal steed is j . . -' , Jfl
an everlasting na^, so there you are!" j J . .L...." w-: ?: flj
i i_ jh