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Is published every
\V E D N E S "D A Y,
OBANGEBUBU, C. IL, SOUTH CAROLINA
HEVWARD & BEARD.
$2 a year, in ftdviuice?$1 for nix piontliB.
JOB PRINTING in all its depaitmeuts,
neatly executed, Give un a call.
W. J. DeTreville,
ATTORNEY A T L A W.
Office nt Court House Square,
?rangcb?rg, S. G.
IZLAE & DIBBLE,
ATTORNEYS AT LAW,
Orangeburg, S. C.
Jas. F, Iklar. S. Dibble.
BROWNING & BROWNING
Attorneys At Law,
Obanqebukg, C. IL, S. C,
Malcolm I. Bnowxixo. A. P. Bnowxixo
"i-^RSNICR & D?NTZLER,
D 13 N T I S T 8 ,
Orangeburg, S. 0?
Office over store of Win. Willcbk.
v. Kebsnkk. P. A. Dant/.i.e?, I). IVT&
George S. Snirer,
COMMISSI O N M E R CIIA N T
Wholesale Dealer in und Importer of
Fi sic wises, liq?ohs, ales and
hfa rr aiiOCFiuiis, ?t-., de.
R >oks, Music ami Stationery, and Fancy
.17' '/'///?; EXiilXE HOUSE,
ORANGEBUllG, C. 11, S. 0.
m h ?
I atn irTvjNtiMuli.yrjruLdiKASiill-lS. HI.I.VIlS,
I lour*, Mantels, and every style of inside work,
.it tin- shortest notice, ami of he*! material, m
Baltitnot'o rates, adding freight, ( all in ami
kuu catalogue. Hoik warranted.
JOHN .1. H.-IMILT'iN,
melillJ-lyr Orangchnrg, S. ('.
KP El C1A Ii N OTIC E?
Prime Rio Coffee cind
Sugars, ?t prices to please.
S A IY1\
All marketl nt selling prices.
BROWN'S COTTON PLANTERS
Alwavs on hand.
JOHN A. HAMILTON,
OBANOKBtTlUr, S. ('.
I am pV-a-t il to inform my numerous friends
throughout tlir State that J have purchased
the''Trendwell Hotel," and am now nyuvena
ting and lixing il up in the must modern
Ft vie. The tahie.s are well furnished from the
Charleston markets. 1 guarantee full satis
W. A. MEUONEY, rroprictor.
(PLAIN S Is R E E T , )
COLUMBIA, 8. C.
Board.$2 Per Da;
1 D. B. CLAYTON, Proprietor.
CHARLESTON, S. C.
R. Hamilton, 0. T. All'ort & Co.,
THE ART TONSORIAI
lam pleased to inform tho citizens of Or
angchnrg and vicinity that I have opened a
Barber Shop, over tho Store of Captain Hrigg
mntin, where I am ready to icrvo I hem in my
profession, which consist* of Hair Cutting,
Shaving, Shampooing, IInir-<lre?fling and Riich
other work a.s belongs to the tontsnrud art. I
sk trial. .JOHN KOBINSOX.
DIL T. BERWICK LEGARE,
II E N TAL S U It G E O N .
Graduate, Baltimore College Dental
Ofic, Market street, Orcr More of J. .!. Hamilton
T T. K.OII9T . 0
K BROTHER H
O arc opening E
H thoir second supply, A
N and are offering P
<fc Great Inducements in D
15 ? D ress Goods 11
R of the newest styles. Y
O Also Bargains in G
T Hosiery, Gloves, O
H * Ladies' Underwear, O
E &c, &c, &c. T>
R KOHN'S CHEAP STORE. S
BULL, SCOVILL & PIKE
Arc almost dnUy ^receiving additions to thoir lnr^e Stock of
BROWN COTTONS AN? DOMESTICS,
Now in store, purchased before the advance.
y Just received a full Stock of
BOOTS AND S II OES.
HARDWARE, NAILS, &c, together with
AGRICULTURAL IMPLEMENTS, for farming purposes.
GROCERIES in full Stock, consisting in part of
BACON AND DRY SALT MEAT.
FLOUR of the well-known brands.
SUGAR AND COFFEE which defy competition in price and quality
Guanapo Guano, as well as
LIME, LAND PLASTER, Ac, constantly on hand.
JC^yWo aTc also htjtirts tvr wxll-km.wn FlItK AN INSV-RANCK.
C J ERM A NIA, of New York.
Andes, of Cincinnati, O.
Equitable Life. Assurance Company, of New York
And hut, but not east, the celebrated
SINGER'S FAMILY SEWING MACHINES, an exhibit is sufficient.
We have and do sell the goods.
BULL. SCOVIL.L, & PIKE.
win I) i nun
lam pleased to inform my numerous friends
lliat I have returned to Orangchurg, ami have
at Glen's old Ga/lcry; where 1 am prepared to
execute work in the latest and most improved
1 have just received instruments with which
I can take as fiood ami perfect a picture ax can
lie had anywhere in the State.
A tria/isa/l I ask. Perfect satisfaction guaran
Cart ttnd take, a look at mv (ia'lerv.
S. M; PE ARSON*, Artist.
mnv 1" tf
DEAD ISSCKS AND LIVING RESULTS;
or, A history of Sherman's march through
South Carolina, by II. C. Mack, Murfrces
9 A volume of 700 pages, with maps and en
Agents wanted in every county in the State.
Very lil>eral <-oni missions allowed.
Those who desire to secure agencies will he
furnished with combined Prospectus and Sub
scription Hook, Circulars, ?Sc, on receipt of one
dollar. Address P. P. PK A HD,
General Agent for South Carolina.
JewelryT Watches and Silverware
No. 307 KING .STREET,
Invites special attention to his new,
large and elegant stock of
All the newest designs in Jewelry, coin
leonine, Opera Neck and Vest Chains,
Seal Rings, Diamond Rings, always on
hand and made to order, Sleeve Rut tons
and Studs, Bracelets, Brooches and Ear
rings, Armlets and Necklaces, in Gold
and Coral, Brooches for Hair or Minia
tures, Lockets, Chains and Masonic
Pins, Glove Bands, at
No. !'?<>7 King Street,
A few doors above Wcntworth St.
may S-U mos.
OKA I.Kit IN
WATCHES, CLOCKS, JEWELRY, STER
Spectacles, Eve-Glasses and Fan< y Goods
No. :'>''7 K ing street,
( 'im U ilifiif 'S ' . I 'Jll
! DRUG STORK !
i Tor the liberal patronage which I have thus
far received from the citizen a of Orangebnrg
ami the confidence shown in mo by very num
erous friends, I take the opportunity of express
ing my sincere gratitude in the "Orongshurg
Times." The encouragement of past patron
age :>"d kindness, induces a strong faith in
future stieres?, and, while thanking my friends
for past favors, 1 can assure them that nothing
will be left undone to deserve their continuing
patronage. My store is cssnnlially a Drug
Store; where will he kept such Drugs and Medi
cines alone, as I will warrant genuine and Pure.
I have arranged to supply my customers with
Medicines! of the very bent quality afforded in
the market. I avoid all cheap useless articles,
and yet my prices shall bo as reasonable for
valuable, good, fresh Medicines as anybody's.
I invite the Physicians of the District to call
and examine for themselves. They are judges
to whose opinion f''submit. Send your orders
and they will be tilled to your satisfaction.
Just received a stock of pure, medicines
consisting of Laudanum, Paregoric, Cuitor Oil
Sweet Oil, Epsom Salts, Cream Tartar, Carb.
Soda, iSe., Dye Stulls, Paints and Brushes, Con
centrated Lye, Patent Medicines of all kinds.
Just call tit the .Southern Drug Store on Run*
sell Street, and you will be surctoget what you
want. A. C /)UKK&
WARM WEATHER HAS COME,
And so has one of the iincst, choicest and
most complete Stocks of
DRY GOODS, GROCERIES, Ac,
F II W Rri#gmaTm*s Store,
IN RUSSELLS STREET,
That can be found in Orangebnrg. An inspec
tion will satisfy all. No trouble to show Goods.
In addition to the above I have on hand and for
salo a number of the American Button-Hole
Machines. Tills machine will do in the best
possible manner every variety of family sewing
that can be done on any machine, and in ad
dition embroiders on the edges, ovcrscams, and
makes beautiful button and oycfct holes in all
fabrics. This is unquestionably far beyond the
rapacity of any other machine. Instruction
given, anil satisfaction guaranteed to all pur
chasing n machine.
F. II. W. BRIGGMANN.
ORdNGKHl'RG,C. II. S. c.
TK/t.MS I'KIS MONTH :
J.IME? S. HKV'.V.I [Hi, Teacher.
DR. E. J. OLIVEROS,
ORANGEBURG. S C
VMS, MEDICINES, CHEMICALS,
FINE TOILET SOAPS, FANCY IIAIll AND TOOTH
BRUSHES, PERFUMERY AND FANCY TOILET ARTICLES,
GIMSS vlXD GARDEN SEEDS.
PAINTS, OILS, VARNISHES, AND DYE-STUFFS,
Lettcr-Pnpcr, Pens, Ink, Envelops,Glass, Putty, Carbon Oil, Lamps and Chimneys
Physicians' Prescriptions vIccuratkly Compounded:
The Citizens' Savings Bank
OF SOUTH CAEOLINA
Will pay 7 PER CENT. INTEREST on SPECIAL DEPOSITS and 0 PER CENT, on 8^1 Y
INQS DEPOSITS, Compounded Semi-annually.
Local U'in.aiico Committee;
Hon. THOS. Wi GLOVER.
Col. PAULS. FELDER.
Capt. JOHN A. HAMILTON.
JAS. H, POWLES,
inch 19-1 y Assistant Cashier.
THE UNIVERSAL LIFE
INS ?B AN CE CO M PANT,
69 X*ibertv Street, New ITork.
Tho Original Stock L'ie Insurance Company of the United State?
? F F I C E R S :
WIL1JAM WALKER, President.
HENRY J. FITRRER, \Mce-President. JOHN II. BEWLEY, Secretary.
t JEOEOE L. MONTAGUE, Actuary. D. W. LAMBERT, M I)., Medical Exani'r
TuidiCompnny Offers the Following Important Advantages to thosa About
JL Effecting lusuraucc on their Lives.
14. Insurance nt Stock Kates, being from w~\.o :jo fer ikmu -lx*m than th? Hates charged b_v
2d. Each Policy-holder is regarded as a .Stockholder to the extent of one Annual Premium
on his Policy, and will share in the Profit? of the Company ?o the sumo extent as a Stockholder
owning an equal amount of the Capital Stock.
3d. Every Policy issued by the Company i< non-forfeitablc, and cuntaina a Clause stating iu
exact Surrender Value.
Before Ixsuwixo Yorn Like or Accepting the Agency or axy Cohpan t
READ THE FOLLOWING- =
A lengthened experiencehas demonstrated that the rates of Premium ordinarily charged h?
Life IuHurouce Companies are front twenty-five to thirty per cent, in excess of what are necessary
for a safe and legitimate conduct of the business, lit other words, carefully and prudently man
aged Companies charging "Mutual" rates have been able to return to their policy-holder's from
23 to 30 per cent, of the amount charged for premiums.
When Life Insurance Com paries were first organized, the reliability of the data upon which
the premiums were constructed had not undergone the test of experience. It wo*thought,there
fore, no more than common prudence to adopt a scale of premiums which would, in any event,
meet all the presumed and unforseen contingencies of the business.
As long :is the matter was involved in some doubt, it was better to fix the rate too high than to
incur the risk of making it too low; because, in the former case, the error could be easily reme
died, at least in part, by returning to the policy-holders, at certain intervals, such portions of the
premium charged as was found unnecessary for the purposes of the business and the complete
security of the Company.
Experience, however, having satisfactorily demonstrated that these rates arc excessive, what
possible excuse can there be for maintaining til em '.'
Availing themselves of this experience, the Directors and Managers of thu Unircrml Life /?
gurance Company at its organization, adopted a scab; of premiums in accordanu* therewith*, and
which has proved to be fair and adequate, and all that was necessary to meet the requirements of
the business. These premiums are about twenty-live per cent, lower than those charged by Mu
It also appeared, inasmuch as the rates so established were as near as could possibly he deter
mined fair rate*, and not in excess of what Insurance has previously cost the policy-holders in
Mutual Companies, that any profits arising from prudent management justly and properly be
longed to the stockholders of the Company, for the risk incurred by them in undertaking the
Experience has shown that there arc sources of profit in the practice of the business which
theory will not admit of being considered as elements in the calculation of the premiums. These
result from n saving in the mortality of *.1hj members of a Company owing to the mcditral selec
tion of good lives, again in interest on the in vestments of tho Company over that assumed in
the calculation of its premiums, the profits dctivable from the lapsing nnd surrender of Policies
by the members, and from other minor sources.
' Profits from these sources, in a company possessed of a capital of $200,000, and doing a fair
amount of business, would give to the stockholders dividends largely in excess of what were
counted on by the Directors of the Universal u the time of its organization. They have, thare
forc, determined to divide among the policy-holders of the Company ;i large part of the profits
accruing from the sources named, all of which have heretofore been divided among the stock
The plan adapted tor such dividends is .v. follows: Every person who may hereafter issurt
with the Universal will, for the purpose of division, be treated as a stockholder to the extent of
one Annual Premium upon his Policy ; and will slime in the. profits of the Company to precisely tin
same extent as a Stockholder owing on equal amount of the capital Muck.
By this system of Insurance, original with the Universal, the policy-holder secures the follow
ing important advantages:
FlHST. Insurance at the regular "Sto-k" rr.tcs, requiring a primary outlay of al>ont twenty
to thirty per cent, less than that charged by Mutual Companies, and which is equivalent to a
yearly ''dividend" paid in advance ofthat amount on mutual rates. This low cost of insurance
is worthy of attention. Since its organization this company has received in premiums from its
|M))icy-holders the sum of $1,517,000. To effect the same amount of insurance in a Mutual Com
pany would have cost them an initial outlay of $2,000,000. By allowing its policy-holders to re
tain" in their own possession this excess, of $483,000, the Universal bus virtually paid them a
"dividend" of $483,000, and paid it, too, in advance, instead of at the end *#f one Or more years,
is impossible to lind any example of a Mutual Company furnishing insurance at so low a cosl
n turning to its policy-holders an equal amount upon similar receipts.
Second. l*articipation mlhe legitimate profits of the Company, upon a plan which secures to tin
policy-holders the same treatment which Directors and Stockholders auard to themselves. This svstom
of participation, in connection with the low "slock" rates of premium, most necessarily secure to
thejpolicydioldcra every advantage to be derived from prudent nnd careful management.
The low rates of premium compel economy, and, independent of participation, guarantee to the
policy-holder his insurance at a rate which is not in excess of the cost in well managed mutual
companiesr while, by the proposed plan of participation in what may bo considered the legiti
mate profits of the business, the cost will ho still further diminished.
Thus by tho combined advantages arising from low stock rate and participation in Ihc profits
it is confidently believed that tho UNIVERSAL LIFE INSURANCE COMPANY uficrs in
surance. at its lowest practicable cost.
?f3>"Thoso of the existing Policy-holders who desire tn participate in the Profits under I he im v
Plan can do so by making application to the Head Office, or to any of the Agents of the ( oil-.
The company is in a sound financial condition.
Iiatio of Assets to Liabilities 1 10 lo TOO
BOT GOOD RELIABLE AGENTS WANTED, who will deal direct with the N< w York
Office, and to whom full General Agents' Commissions will be paid.
M. W. GARY,
M. C. I'd TI.KK,
State Superintendents of Agende*-,
Columbia.S. C, September IUI., I.S7I
/ Wm. r>dattlii3sseni
FINE CLOTHING & TAILORING*
No. 291 King St. Corner Wentworth,
Charleston, S. C.
Offers an elegant supply of Spring
CLOTHING, for men youths nnd boys,,
of New Styles, nt inoderute prices.
Furnishing Goods in great variety.
Agent for the Clbs. Star Shirts.
Tailoring Department supplied with it
full line of acsimblo nutl seasonable
Cloths, Cassimercs mid Vesting*, which
will bo made up to order in fine style.
apr 10-3 mos.
Nob. 17* and 179 King ?treet.eor.ier of Clifford'
Charleston, S. C,
A full and largo assortment continually oxf
hand and at tha lowest prices. Call and ux
ami lie. 2<1 -rim
E. R. STOKES,
Columbia, S. C.
Main St., Opposite the Phoenix Office*
Keeps constantly on hand a full lino of Staple
and Fancy Stationary, and a large ?Mortmcut
of WrittngDesks, Ladies' Work Hortes, .Minims.
Autographs, Port Folios, Gold Pun ami Pencil .
Cases, Portmonies, &e., ?c.
as Sheriffs, Clerk's, Judgv of Probatcy
County Cotnmisionrrs, &c, on hand und
made to order?ruled to any Pattern, of
the best Paper and materials', with or
without printed Headings; also paged
or indexed, As required.
Special attention given to the Binding
of Music, Periodicals. Law Rooks, and
all the other work in his line. o0-20
COLUMBIA, S. C,
This first-chuw and entirely new establish*'
mcnt, located in the business midst of South
Carolina's Capital, afibrds the very host nccom
niodationsto the travelling public and pcrma
nent guests. Large Airy Rooms, elegantly fur
nished, Gas, Pells, and Water throughout.
Ladies' and Gentlemen's Paths, hot and cold,
Telegraph Office in the Kotunda; spacious
Billiard-lloom, furnished with Phelan & Col
lender's, best Tabics; and with all the modern
improvements of a first-class hotel. The
Is in all respects, one. of the first houses South.
The proprietor having had an experience of
nearly a quarter of a century in the munngemcut
of the Charleston Hotel, is miflicient guarantee
that the'-COLUMBIA" will be found on rep
J. D. Runnp, ) ? . . .
t ? -ei r>. r Assistants.
Jas. F. Gadsdf, j
Kingslancl cfc Ileatli,
I l)E.VI.KIl IX
HOUSE FURNISHING GOODS,
New Crockery, Plntcd Ware, Table Cut
lery, &c. &c.
(Under Columbia Hotel,!
Columbia, S. C.
J. A. Heath. It. King-land,
At the popular Dry Goods House of
W. D. LOVE cfc CO.
Wc are now showing all the new styles in
Dress Goods, Embroideries, Laces, Trimmings,,
('assimers and ClotliR, Hosiery and Gloves,.
Prints, Cambrics, Carpets, Matting, Window
Our business is conducted on the one price
system. Wc keep only standard makes of
Goods,ami sell them at uniformly Low Prices.
Orders from the country will be filled with
the utmost care.
BfiTllargains this week. apr 27-fimo
IFa gn ii 13 ro tl tors.
Main Street, between Lady and Washington,
Columbia, S. C.
Parlor, Chamber, Dining-Kooin, and alt
kinds of Furniture, from the best manufacturers
in New York, Baltimore and Philadelphia.
TAP D 11)11 PUICDV
('. D. r.I.CMF, Artist, has opened a Gallery
whore he is prepared to take
Ina few minutes at the lotvcst possible rnl.-s.
Walk up to tho Gallery over Sir. K. 11 I"
Hriggmann's Store, if you want to obtain a
present that is always appreciated by I.ovr*,
Sweethearts and others, viz: Yourself'
Satisfaction guaranteed. may 1 tf*
WILLIAMS, BURNtF,& (i .
? COMMISSION MERCHANTS,
Co ttfeel and Ettka'figa l??r?', a*. V