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The herald and news. (Newberry S.C.) 1903-1937, June 06, 1916, Image 6

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Persistent link: http://chroniclingamerica.loc.gov/lccn/sn86063758/1916-06-06/ed-1/seq-6/

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Insurance ( onimi^iouer Issues Address
to People About LaneyOtloin
F. H. Mc.Master, insurance commissioner,
lias issued the following
statement to the people of South Carolina
in which lie discusses the
, Laney-Odom act.
The statement follows:
"1 would like to talk to the people
of South Carolina a bit about the
Laney-Odom act. Heretofore what I
have written has been to the companies
in amazement at the. to me,
absurd and unreasonable interpretations
of the law published by those i
opposing it or to the agents in an
effort to suggest means of relief from
tie loss which threatened them.
"Now 1 wish to say something to
the whole people. For fire insurance
affects the interest of all who own j
'houses or rent them, who have goods |
tn miiv re- sroods to sell, money to lend]
or money to borrow. Fire insurance
nowadays affects very nearly every
material thing of value. 'So it is of;
interest to the whole people.
"To me the fire insurance situation j
is a business proposition to be considered
wholly apart from political
ambitions and to be solved for the
good of the greatest number. Such
"have been all insurance problems to
Hie since I har.e been insurance commissioner.
Sot Commissioner's Bill.
"As the I^aney-Odom act is not of
my proposing, I should have 110 particular
partiality for it. I proposed
tie bill recommended by the national
-convention of insurance commission <ers.
It was killed. The sixth section
of the Laney-Odom act, taken from
-tire national convention bill, and the
-eighth section were of my proposing.
YJ*e remainder of the bill is not mine, j
that is no reason why I should
rjoin in decrying it and in declaring
ft to be a chamber of horrors when,
to my mind, it is not. Furthermore
"aa an executive officer of the people
ax-d a creature of the legislature, it
is my duty to try to sustain the laws
~e? the State and to enforce them
considerately but fully.
-Now let us consider quietly the j
;4Laaey-0dcm act. To -do this there is j
e.o need to call anybody names or to
impute e.il motive* to any one. Let
us look simply at the act and see
ubat it says.
"'It is of eight sections. The first
( "nve deal with the' relations of the
<x)mpanies to each other. The sixth
se^ion deals with the relation of the
insurance commissioner to the com-1
panies or their rate making agent
The seventh section deals with the ,
relations of the companies and their
-agents to their policyholders. * The
eighth section exempts the mill mutuals
and the factory insurance association
(composed of stock companies)
from the terms of the act.
Belser Amendment,
? ~ ohnnt I
Tne first ftve sccliuus ai^ uuv?.
"verbatim the Mauldin act passed in
1S99 and the law of South Carolina,
until 1904, except that section 1 has i
a most important amendment, pro- j
posed of (Mr. Belser of Sumter. The
sole purpose of the first ft', e sections
is to prevent compacts or combinations
'for the purpose of controlling
rates charged for fire insurance.' The
~?test of the good faith of the com-1
panies in obeying the act is to re- j
Quire an official or agent or me turn- i
ivaxiy in this State to make an affidavit
oii! March 1, 1917, that the
-company has not 'entered into any
' trust, combination or association for
the purpose of preventing competition
in insurance rates in this State.'
"Each year a home official is rev
quired to make a like affidavit.
Competition With Cooperation.
- AJaui/^in law of 1899 did not
1 iUUu?w?M
-permit the companies to cooperate j
in any respect. Each company had
to stand alone and do whatever it did
at its own cost. The fielser amendment
to section 1 changes all thi3.
The companies may employ a 'common
agent or agents to prepare and
ma n<5 and other data as to
? U A w ?? ? - risks,
"The attorney general in an opinion,
in which I fully concur, has ruled
that this common agent may furnish
the companies with a book of rates,
giving each risk the rate which in his
judgment is just and not discriminatory
as between risks, this ibeing the
.purpose of the Belser amendment,
tthere /being no violation of the act
tViava Via n fnf tllP
c: uu <Xt WUl^VW *v* v?^
purpose of governing or controlling
;ihe rates charged for fire insurance/
"In other words, the rates suggest^
"hv the? pflmmftn ae'enf are advisor/
and are not mandatory.
Arbitrary A<jts Prevented.
"The sitxh section gives the insurance
commissioner power upon complaint
to have a hearing to determine
whether such a rate so made by
!anv person or bv anv ccmpanv is disi
i criminatory or unjust. it subjects the
commissioner's decision to summary
ievie\v before any judge. If it be
found that the rate complained of is
discriminatory or unjust, a new rate
must ue macie uy me persuii ur luuipany
who first made it.
Section 7 requires eacli company
and each agent of that company to
deal justly and in a non-discriminatory
manner as between all of tbe
policyholders of that company. As
the attorney general has pointed out,
there must be a conscious and intentional
violation of this section to in
cur the penalty and it must be construed
in consonance with, the preceding
six sections. Criticism of Section
7 may be disarmed by the statement
that it was drawn at the instance of
| an agent who knew the evils of rebating
and discrimination among policyholders
and who felt that it would be
a bar to evil practices from unre
siraiueu cuiupcuuuu wuitu nc
from the bill otherwise and to whica
he was opposed. He tells me it was
approved by the leading special
agents of the leading companies
(which have since withdrawn) before
its adoption. Experienced agents approve
it now as upholding th?ir hands
in equitable treatment of all policyholders
and in protecting themselves
against the selfish or irresponsible
"Since there is keen but sane competition
between the mill mutuals and
the factory insurance association,
composed of stock companies, both
of these classes of insurers were
exempted from the provisions of the
bill in Section 8.
Summing up the Law.
"Summing up, the Laney-Odom law
permits complete cooperation among
the companies in the making inspection
of risks, the furnishing information
as to defects, the compilation of
rates which, in the opinion of the
common agent are not discriminatory
or unjust; ipermits the insurance com
missioner, as occasion demands, to
declare his judgment as to whether
these rates are discriminatory or unjust;
subjects his judgment to summary
review by a judge; forbids the
companies and their agents from
playing favorites among their policyholders;
exempts from the terms of
the law two competing organizations.
the mills mutuals and the' factory
insurance association, each of which
has carried to the highest degree cooperation
among themselves and
which seek fire prevention to the
risks which they insure.
'H.'ay I be .permitted to say that L
speak with authority. The enforcement
of the law by its own terms is
upon the attorney general and the insurance
commissioner. All that I
iiavtj written ucib uccii ?i iiivn V/U.A^
after careful consideration of the law
in every detail and is, as I believe, in
full accord with the decision of the
supreme court and the rulings of the j
attorney general upon it.
"The reader may judge for himself j
whethere he is in sympathy with the j
principles of the law and he can de- [
termine whether its framers and their i
- - - * 1 1 ? J x-u ~
friends snouia nave suiiereu iue auuac
and ridicule which have been heaped
upon them."
After Four Tears of Discouragmg
Conditions, Mrs. Bullock Gave
Up in Despair. Husband
Came to Rescue.
Catron, Ky.?In an interesting lettet
from this place, Mrs. Bettie Bullock
writes as follows: "I suffered for four j
years, with womanly troubles, and during !
this time, I could only sit up for a little!
?uu ?rtl rtmllr 2nvufhprp Jit
WllliC, CL11U WU1U IIVI nuin uu^ ?
all. At times, i would have severe pains
in my left side.
The doctor was called in, and his treatment
relieved me for a while, but 1 was
soon confined to my bed again. After
that, nothing seemed to do me any good,
i had gotten so weak I could not stand,
and 1 gave up in despair.
At last, my husband got me a bottle of
Cardui, the woman's tonic, and 1 commenced
taking it From the very first
dose, 1 could tell it was helping me I
can now walk two miles without its
tiring me, and am doing my work."
If you are all run down from womanly
troubles, don't give up in despair. Try
Cardui, the woman's tonic. It has helped
more than a million women, in its .50
years of wonderful success, and should
surely help you, too. Your druggist has
sold Cardui for years. He knows what
it will do. Ask him. He will recommend
it Begin taking Cardui today.
WriU to: Chattanooga Medicine Co., Ladies'
Advisory Dept.. Chattanooga. Tenn., for Special
" ~ - ?4 * Mrvna
Instructions on your use ana wv/rw, JTreatment
for Women.'' seat in pain wrapper. ?66-3
To get the gf njine, call for f*iil name, LAXA
riYE BROMO QUININE. I/>ok for signature o
E. W. GROVE- Cures a Cold in One Day. Stop*
touah acJ headache, and worts o/i cold 2i
Itamacs success is
due to mtrits
Should Value Be Lacking, the (Jen
eral Public Lonsr Ago Would
Have Lost Faith in
This is an age of advertising, and
everyone is familiar with the popular
saying, "It pays to advertise."
j Advertising is a business force. So
potent is the charm cast Dy lis speii
it has been known to perform marvelous
feats and to accomplish phenomenal
i It car.not be truly said, however,
I that everyone who advertises sucI
ceeds for unless full value underlays
' the article advertised the advertising
! would ultimately fall of its own
| weight. In this connection we must
i not forget the words of the immorJ
tal Lincoln, who said: "You can fool
some of the people all the time; you
can fool all of the people some of the
time, but you cannot fool all of the
people all of the time." So if there is
not behind every advertisement a dollars
and cent"? -\alue to the article ad
j vertised, no amount of advertising
i will stimulate the sale on such an
j article teyond a certain point. This
applies to every line of business and
the modern business man or firm can
only succeed through honest advertising
and fair dealing.
One of the most successful adverI
tisers in America today is L. T. Coop
j e^, the manufacturer of the new medicine,
Tan lac. On one occasion Mr.
Cooper said: "Hot air will put a balloon.
up, but it won't keep It there."
When I offered Tanlac to the world
something over a year ago, I did so
with the firm conviction that I was
offering to the people the best a.od
nnrftst nroduct of its kind on the
jr ? m
American market today and I did not
hesitate to expend vast sums for advertising
because I knew the more
tbe people kcew about it the more
j they would buy it.
The success of the preparation was j
immediate, and the people every-1
_.t?~ nniot to recognize its
W ULC1 C TV Ox v* ___
genuine merit and wonderful cura-|
tiwe powers. I have never claimed!
Tanlac to be a "cure all" or that it
would perform unheard of wonders
but I stated facts, stated them in a \
straight-forward and business-like
way and in a manner that has commanded
confidence in the conserva
ept forth.
VI ? C WlUiiuw
Underlying these claims has been
real value, not from a dollars and
cents point a o, e but from health, as
well. The- plieomenal success the
preparation has now achieved is familiar
to everyone. No matter where
you go TarJac is a household word.
It has brought a new romance to the
modern business world. It is a story
of an acceptance and appreciation of
merit,, never before obtained by a
proprietary medicine. Conservative
business men, to wb.om. the- actual j
?ww*ii/?Hnn nf Tanlac!
P 65 U1 Li*C vrv?uwiN/u w ? _
r.a;e been presented', have scouted
theiii until the proof was shown.
Th<* production of Tan lac now
stands at the rate of almost 5,000,000
bottles per year,, or to be more
correc t ^GO.OOO. The sale of 1,000,000
bottles during the first nine
months probably exceeded any record
e.er before made by a proprietary
Through the 'Atlanta office alone
j approximately 400,000 bottles have
i .
i been sold and distributed since December
1st, and the South alone now
requires over 1,000,000 bottles per
These enormous sales mean but
one thing, and that is merit. One
bottle is sold in a neighborhood
through advertising, but ten more are
sold after the first bottle produces
results. People are always willing
to tell about their ailments, but they
are more than willing to tell others
of any medicine that helps them. It
is somehing they can't keep to themselves
because the impulse to sympathize
with fellow sufferers and
want to help them is one of the
strongest as well as one or tne Diggest
things in human nature.
Tanlac, the master medicine, is sold
exclusively by Gilder & Weeks,
Newberry; prosperity Drug Co., Prosperity;
Little Mountain Drug Co., Little
Mountain; Dr. W. 0. Holloway,
Chappells; Whitmire Pharmacy, Whitmire;
D. J. Livingston, Silverstreet.
Price $1 per bottle straight.?Adv.
; 'nvlgoratlnjj ro the Pane and Sick*>
i The Old Standard greneral strengthet in? tonic
GROVE'S TASTELESS chill TONIC, drives oir
Maliria.enricheU ie blood .and bui2ds jpthesys
lem. A'ruetvjc.c For auuils ch Idrep. 5"
Notice is hereby given that th*
books of enrollment for voting in tin
Democratic primary elections in New
berry county are now open, and tha
che same will remain open up to anc
including the last Tuesday in July
1916. which is the 2">th day of saic
i. jnth. In order to enroll, applicanl
shall be twenty-one years of age, o:
shall become so on or before the 7tl:
day of November, 1916, and shall be a
white Democrat, and shall have residorl
in tliic Qratft td-n i-ear? ariH in this
I V/V* I J JL tu.c KJIUI-V V ?? vr ^ " ?
county six months, prior to Xovembei
7th, 1916, and in the club district sixty
days prior to the primary electioi]
to be held on the last Tues day in August.
1916, which is the 29th day oj
said month: Provided, that public
school teachers and ministers of the
Gospel in charge of a regular organized
church, shall be exempt if otherwise
qualified, and provided further
that any negro who can produce a
written statement of ten reputable
white men. who shall swear that they
know of their own knowledge that tn?
negro applicant voted for Genera]
Hampton in 1S76 and has voted the
Democratic ticket continuously since
c Vi o 11 Ka art 1111 ?i.rtT*rtT?
oiiu.ii guiui^u LW uu.
Each voter must enroll in the clui;
Clubs Secretary
Newberry Ward 1, J. H. Baxter,
Newberry ward 2 W. W. Cromer
Newberry "Ward 3 Otto Klettner
Vr? 1
Newberry Ward 3 D. D. Darby
No. 2 (Mollohon)
Newberry :Ward 4 J, O. Havird
Newberry Ward 3 T. "F. Turner
Oakland /M. A. Atfaway
-.Helena ii. J. &aoei
Hartford j Holland Paysinger
Johnstone $ R. 1U. Neel
? *
Garmany ? .Tjio. T. Oxner
ift. Betnei > Chalmers Brown
Mulberry,- T. W. Keitt
* f.
Mt. Pleasant Ernest Ringer
MayMnton J. B. McCoIInm
Hirftmi'ro ~ T T? TtefcoT
( If UictuilVI . U . -as A-TM-ikOA
Long Lane 5 J. 'C. Craps
Jalapa ? Clarence Wallace
Kinards . J. A. Dommick
i Longshore I ' J. W. Wilson
Reederville ' R. E. Livingstone
Dominick ? J. X. Livingston
Trfni'trv O R T^?n ashore
Saluda Xo. 7 J. S. Werts
! i
Chap pells W. L. Andrews
Vaughnville L. H. Senn
f ? "
Ctopia } I. P. Cannon
Silverstreet f J H. 0. Long
Cast Riverside \ W. L. Buzhardt
Prosperity / ? T. A. Dominick
St. Lukes 1 7 C. S. Nichols
Saluda No. 9 J. A. Bowers
O'Xeall t " Pat B. Wise
r *y
Monticello P. W. Counts
Liberty (ieo. wunter
Big Creek " N. A. Xichols
Swilton Geo. A. Counts
Little Mountain A. C. Wheeler
? * r m-. r?i.
I'moil 30.. L?. atraubs
Jolly Street G. I. Kinard
St. Paul ' Geo. Wicker
Central IA, L. Aull
Zion M. H. Folk
Pomaria J. T. Kinard
St. Phillips H. H. Ruff
Walton J. L. Crooks
r i
{ nearest iris place of residence ealcu*
iateil by the nearest practicabe route.
, except as is hereinafter stated. In
the town of Newberry, voters slial!
enroll in the wards in which they re- |
: side. Ward 2 Club District is extend- I
* j I
ied bevond the city limits as followst:
To the crossing of Columbia highi
I 1 way by the C. X. & Railroad thence !
! following ot .d highway South to The i
I :? 4 /Nt* Dom.in'rt liioll U'M t* or
IIllltJI seL'liUH ui i vmai ia aigii ii ui IA-.
the residence of B. C. .Matthews, said
, lines to include residence of B. F.
i Mills.
"; Each applicant for enrollment shall l
;; in person write his name upon the J
" | olub roll and immediately thereafter i
; his nprp nrrnnation and nostoffice ad- i
I ?1
1 i dress, and if in a city or town shall
j write the name of the street and num- j
ber of the house in which he resides, j
' i if such designations exist in said city .
or town. In the event of the inabil-1
ity of the applicant to write, he may
make hs mark upon the roll, which |
shall be witnessed by the secretary,
i or other person then having the cus-,
i! tody of the roll, and the secretary
- -- i
: shall fill 111 tne otner requirements.
11 The following is a list of tlu clubs j
' j of tlip county, the names of the sec-j
1 j retan"e> thereof, the places where
j the books cf enrollment will be found.'
j and the names of the enrollment com- j
> mittees for the clubs:
Place of Enrollment Enrollment
Baxter's Undertak- W. A. MoSwain
ing Parlor S. S. Cunningham
National Bank of J. B. Hunter.
.Newberry, S. C. T. P. Johnson
Otto Klettner's J. B. O'N. Holloway
Store Alan Johnstone
I. T. Timmerruaa's W. S. Jones
Store J. A1 K. Bushardt
Frank R. Hunter's F. R. Hunter
CifiKna f 'R ViKlor
KJT A, .
Newberry Cottoa 0. S. Goree
Mill "ff. H. Hardeman
Oakland Cottoa R. C. Williams
Mill W. EL Sentell
B. E. Julien's. J. L. Bedenbaug'ii
Store F. G. Spearman
Residence of Z. W. Dennis
Secretary J. McD. Schumpert
Neel's stora M. M. Mills
Sam B. Neel
Residence of B. B. Leitzsey
Secretary 0. H. Lane
Residence of W. C. Brown
Secretary Geo. S. Ruff
Residence of J. D. Nance
Secretary J. P. Wicker
Residence of J. L. Henderson 1
Secretary Jno. Henderson
Residence of J. L. Thomas
Secretary W. B. Whitney
Whitmire J. D. Tidmarsh
Pharmacy % * S. A. Jeter
Residence of C. 0!. Folk
Secretary T. B. Carlisle
Jalapa Mercantile M. B. Chalmers J
Company's Store P. B. Miller i
J. 'A, Dominick's R. G. Smith j
Store T. H. Pope
Wilson & Martin's J. E. >Senn
Store G. H. Martin I
r? . J . -.i? t- "%r n iii.
rce'siuence ol i. jm. anniii |
Secretary J. H. Dorroh
Residence of Fred J. Harmon
Secretary M. M. Livingston
Residence of J. A. Schroder
Secretary Hugh Longshore
Sander's Store W. fl. Sanders
Unn'^ll P
liv n uii \s, X' o
Martin's Store J. B. -Scurry
A. P. Coleman
Residence of J. H. Rudd
Secretary 0. S. Johnson
Residence of J. A. Foy
Secretary H. L. Boulware
J. T. Coleman's J. T. Coleman
Store W. P. Blair
Residence of E. L. Hayes
Secretary W. P. Paysinger
T. A. Dominick's Dr. J. S. A\Tneeler
Store A. B. Wise
Residence N. E. Taylor
Secretary J. P. Hawkins
Residence of L. L. Dominick
Secretary ?M. C. Bedenbaugh
Residence of O. O. Shealy
Secretary W. P. Pugh
Residence of P. L. Dawkins
Secretary W. W. Shealy
"R <->f T? TP O T-Tii,nfpr
'S-ecretary Claude Lester
Residence of J. P. Harmon
Secretary Arthur Boozer
Residence of Jno. S. Watts "
Secretary C. L. Counts
J. B. Derrick's J.. B. Derrick
Store J. K. Derrick
^ _ '
Residence of T. J. Wilson
Secretary G. S. Enlow
Residence of H. B. Richardson
Secretary B. B. Rikard
Residence of W. H. Kibler
Secretary J. J. Kibler
Residence of J. A. Counts
Secretary B. S. Wicker I
ti^9 T nt I
rwcoiucuvtr ul %J . yt . u
Secretary E. 0. Hentz
Setzler's Geo. B. Aull
Store J. P. Setzler
H. H. Ruff's J W. Lominick
Store G. H. Sligh
Secretary W. H. Folk
Residence of . J. D. Crooks \
ill ad:i:i:o:i to the enrollment <mk
mitieei named above the i^creta^B
each club i.- a member or tlie ev
me>it committee for his club. X
The secretary of each club
roll book on or before the 28th S
c!' July, 1916. 1||
Frank R. Hunter.
County Chairman.
Good Looks are Easy
MagnoKaJyl^ j
Look as good as your city cousins. No
matter if you do Tan or Freckle Magnolia fl
Balm will surely clear your skin in&andy. fl
Heals Sunburn, too. Just put a little on
your face and rub it off again before dry^
Simple and sure to please. Try a bottle^J
to-day and begin the improvement aUH
once. White, Pink and Rose-Red Colors, fl
75 cents at Druggists or by mail dire&.
LYON MFG. CO., 40 So. 5th St, Brooklyn. N.Y.
I will make a final settlement aa
guardian of the estate oi William
Stuck acd Lula Pearl Stuck, in the ^
probate court for Newbery county S.
C., on the 9th day of June, 191G, at 10 I
o'clock in the forenoon and will im
mediately thereafter ask foi a final
discharge as guardian of said estate. fl
J. W. Stuck, fl
May 8, 1916. Guardian. fl
Graduation '
Gifts i
Graduation gifts bearing
our label are sure to be appreciated,
as our reputation J
as the "quality store" insures
their true value. 1
Our showing of gifts for ^ 1
both the girl and the boy
graduate is more than up to
standard,?it's the result of
a most careful selection of the J
b jst values on the market. H
We wou'd consider it a ,
p'easure to show you. . !
P. C. JEANS & CO., I
Jewelers and Opticians,
Newberry, 3. C.
| Dr. F. C. Martin | l|
i^ft Specialist! {
I Examines Eyes, FitsG!ass.es|
and,'Artificial Eyes. I v
| If your eyes are giving yoti| ^
^trouble d>n't fail to consult him|
I Satisfaction Guaranteed. | <
* Office ove. Anderson's Dry? I
*Goods Store. M
Write for catalog and price ? \
list. J
Box 165, 1
_ /
To Drive Out Materia
And Build Up The System
Take the Old Standard GROVB'3 4
TASTELESS chill TONIC. You know M
what you are taking, as the formula is JM
printed on every label, showing it 5s
Quinine and Iron in a tasteless form.
The Quinine drives out malax ia, the
Xro? Guilds up the system. SO cents j

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