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Orangeburg times. (Orangeburg Court House [S.C.]) 1877-1881, February 09, 1878, Image 1

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two dollars per annum. }- GOD A.3STD OTJR OOTTNTRY. always in advance
DeTreville- & Hey ward
OrangcburK C. II., S. C.
Will praclico in the various Court?
?IT th? State*
Vf. J. DoTrevillo, James S- Ueyward
juneS tf.
Will attend to patients af their resident?
either in Town or Country. Address
through Post Office or call on me at resi
dent Coucr RurkcI and Treadwell Streets.
Prompt attention will be given and satis
faction guaranteed.
nov 3 ly
Dr. L. S. Wolfe can be found at bis office
over Ezekiel's Store where lie prepared
to execute work on tue most improvol
irtylcs, at sliort notice and at rea-onab
prices' All work guaranteed.
inne 30 tf.
Knowlton & Wannamaker,
Orangebnrg C. II., S. C
Aus. U. Knowlton, F. M. Wannamaker,
Urangcburg C H. ' St. Matthews,
mnv 5 1877 tf
(Hussell St- Opposite Hurley's Corner.')
All manner of Smith work und Home?
hboving properly done.
Fancy Sen 11 work. Hailing f<>- Grave
Lot*. A trial solicited.
sept 1 tf.
V\ .?.wt/sM? iVnnm lidnrj nhrue Went
And Machinery off Kinds Made and Re
oct27 12?0] 62
Cotton and General Commis
sion Merchant,
Charleston, S.
Prompt attention given to sale of Cotton,
Peas, Corn, Hice aud Produce of nil kinds.
Merchandize bought free of Commission.
Agent at Charleston for State Line Ocean
Steamships between New York, Ulupgow,
Liverpool, London and all parts of Europe.
References?Bank of Charleston. Ja?.
Adgcr & Co., Charleston, S. C.
sept I in
Prof. ANTON BE ltd ?flers to instruct
on the Piano on the most reasonable terms,
Nino Lessons for $2.50.
The greatest caro will be taken to give
satisfaction. Ladies who wish a finishing
touch to their Musical Education have an
opportunity to go through a course of Uer
' tini's and Cromer's, Ehude*, Mo/ard and
Bethovcn's Senates.
Graduate from the Conservatory of
?ept8 tf
Cheap by A. FISCHER.
An Interesting Paper.
M orthy Master:
To the subject of Life Insurance I
have given much thought for the last
three years, especially since the fail
ure of so many so called Life Insur
ance Companies, which has entailed
ou their policy hoidors the loss of mil
lions of dollars, I thought there must
be some better and safer plan which
all could comprehend,?-some plan by
which Life Insurance could be ob
tained at cost or nearly at cost
In looking around I found (hut the
Masons, Odd Fellows, Physicians,
and Conductors and Engineers of
Railroads, had their Mutual Aid So
cieties, all of which, as far as I could
learn, were in successful 6pperation
on the mutual plan and were doing
much good. 1 found also that insur
ance, pure and simple, was successfu 1
with the Masonic fraternity and oilier
societies, whose members are largely
residents of cities and villages. Then
certainly it ought t > bo availabl ) for
farmers whose surroundings are ho.il
thy, ami who are less thai) any other
class exposed to the ravages of con
tagious and epidemic diseases. We
have organized the Patrons Aid As
sociations of Orongeburg, which is
duly chartered. We have been suc
cessful in obtaining members thus
far, and hope wo will accomplish
much good. But there bus been one
serious trouble to contend with, which
is in the way of every enterprise in
augurated for the benefit of our class.
We its farmers are ?low to move. We
are not independent in. our'judgment;
we do not rely oii ourselves. Far
mers are naturally cautious and over
suspicious. An oily tuiigttcd agent,
however, generally has lilt !e trouble
in bringing them to say black is white ,
and that white is black,and here is
the obstacle in the way of making
progress withgood institutions for the
benefit of farmers. They wait to he
drummed, they hifYe got used to it,
}m><L^ju^^iev^Ui;rj)t ji'-L to nuw.e
_-.-/ml, but ought !>? wail ?
HpS^^ursuaded coaxed, and talked
Tnto action. This agency drumming
system is the main thing which has
made ordinary, j ife Insurance bo
costly. It is what has added im
mensely to the expenses of conduct
ing every kind of b? si mas 'Ibis is
one ofthe things we hope to do with
out in our Mutual Aid Association.
An agent of Ordinary Life Insurance
Companies is allowed a large per
cell tu ge for securing policies, on our
plans no commission are paid.
Another matter which adds to the
cost of insurance in our old style
companies is the enormous outlay in
building offices, and extravagant sal
aries. The simple truth is that Life
Insurance as it has been conducted is
a cheat and a sham. The impu'sc
which should actuate a person to in
sure his life for the benefit of those
who are dependent upon him is a no
ble one. The inducements which are
set forth by our Insurance Companies
do not appeal to man's better nature,
but seek to excite his ambition for
gain and speculation. Paid up poli
cies and tho dividend or returu pre
mium plan have been devised to meet
tho popular desire for speculation.
An insurance company which charges
a man twice as much as it is worth
to carry a policy so that it can return
to him a dividend and make him
fed that ho is making money out of
somebody e'se, when ho is really get
ting back a little of his own money.
The more complicated the plan of
insurance by a company to tho aver
age mind tho better peop'c scented
to like it.
How many farmers will take the
trouble to uuderstand tho three dif
fercnt kinds of policies offered in the
schedule belore becoming insured un
der the p'au that pays the best profit
to the agent, for bo will recommend
this plan most strongly ? On the
first plan wo ' fiud tho lowest yearly
rate to insure a person of any ago for
the sum of 81,000 is $17.64. This is
a higher rato thau is paid for any
ago in any company liko the Patr ons '
Aid As ocial ion of this county. In
the oldest Masonic Company of this
kind the yearly cost has never ex
ceeded 1-4 per cent, of the amount of
insurance. In other words, out of
},000 members never more than 12
have died in one year and the average
for a series of years has been lesa than
10 out of a thousand. The Patrons'
Aid Society of Elmira, N". Y., of I
which I am a member, has been or- i
ganized three years, and for over a i
year and a half they have had over a J
1,000 members, and have had alt ?- !
gether 20 deaths up to the present
time. Iu other words, the present
members of that Society have had an
insurance near three and a half years
for $20, which would have cost tho |
youngest in our costly companies
more than three times that amount
and the oldest members more than
ten times us much.
It is sometime*) claimed that on
ourplan the oldest members have the
advantage, and y^t, the youngest se
cure their insurance at less than in
the ordinary companies. It is true
that all, old* and young, pay a like
amount in the event of death in our
association; but the foe for member
ship consideration will be given to
itie age of the applicant after our an
nual meeting in 1879. A person
sixty years old will pay four or live
times as much as one of 25 years old.
The payment to carry insurance, so
to speak, is more of the nature of
brotherly charity than of a premium.
We do not pay a fixed amount each
year, but join together in a compact
to pay whenever there is a death of
a member. What we pay goes not to
enrich any stockholder, managers or
officers, but directly to the repre
sentatives of the deeo iscd. The very
simplicity of this plan makes those
who are. accustom d to the incompre
hensible plans of the old computes
afraid of it.
There seems to be an indescribable
pleasure of being helo^j-tl by the
intricacies of so called Li c Insur
some mysterious way is i neun raged.
But on plain simple Life Insu ranee on
the purely mutual plan, there is
nothing to encourage the hope of
speculation. There is nothing bey
ond affording an opportunity to pro
vide aid for our friends iu tho event
of death at the lowest possible cost,
and in tlie most Jcasouable and easy
manner. The whole expense is paid
from time to time in small a mounts;
there is no inexorable pay day on
which the premiums must be met or
forfeiture of policy follows. There is
ample time given f>r the payment of
the small amount, and if for any
cause there is a failure iu payment,
restoration is easily effected. I have
spoken of the first plan of Life I usur- ?
a nee in the table of rates given above,
The second plan you see contempla
tes a larger annual payment for 10
years, at which time should the in
sured be living, he is entitled to n
paid up policy. Agents would have
n young man of 20 years, suppose lie
is to get 81000 for $382, for that is
all ho is asked to pay. But he is not
to receive anything, and tho comp
any has th's monoy of his at interest
of course, it is a safe speculation for
tho company. It is more plainly
seen in the third plan or endowment
policy. Here the young man of 20
pays 8102; -8 annually lor 10 years
and then he is entitled to $1000.
This looks very liberal, but after nil
he is paying fully a= much for his in
suranco during the 10 years as in the
first plan, and if wc leave the life
risk out of the question, as many do,
aud go into it as a speculation, com -
pare the result of depositing $102 58
annually in a Savin.s Bank or put
ting that amount at interest each
year for ton yeaiv; iu one case over
$1000 is paid to the Insurance
Company, and the Company
receives tho benefit of the inter
est tho insured getting back $1000.
In tho other cas the money is earn
ing something foi the man to whom
it belongs. Ho has the hcnelit of the
nterest. It would amount principal
und interest to nearly $2000. I a 1
ways abhor tho idea of combining
the sacred duty of life insurance with
speculation. Though often impor
tuned I thought 1 never would have
anything to do with it, but unfortu
nately for me I was attacked by two
oily tongued agents, (they beat the
lightening rod men in persevcrenee, )
and they captured me aller a hard
struggle on my part, the result was
the failure of the ccmpauy and the
loss to mo of hundreds of dollars.
How many are there here who have
had the like experience? I then de
termined to have nothing to do with
1 ife Insurance until .some safe ami
more practical plan could bo found.
The desired plan I found in the Mo
tual plan' of insurance. This plan
met ray views of what Life Insurance
should be.
When insurance can be had in a
Company managed by good, faithful
officers, I hold that a man is dis
charging a most sacred duty to his
family when he lakes membership
and provides for those dependent on
him for help in their time of sorest
need. I cannot better illustrate the
good of such socitties tha i by givin g
you a letter received by the Secretary
from one of tue latest beneficiaries o f
the Bimira Aid Society. She writes:
"I cannot express my gratitude to yo u
and brothers in our beloved Order
for the benefit received through the
Aid Society. It will prove of great
assistance to me and my family as
there were claims ngaiust our homo
which would have been impossible
for me to meet had it not boon for
the timely aid received from your
Society." The husband of this lady
was a highly respected farmer in the
prime of life ; he had enjoyed excel
lent health up to the time of his
death. He was killed by his team
taking fright and running into a train
of cars; his widow received from the
Socio y SI,00". Similar letters have
been received from other i eueficiu
rios, and the members paying their
a.-?css merits do not do it grudgingly
*>T'i ? ?>.?? ? ?;? ... !???: -..-r ....
tho gratifi ation it gives them to con
tribute to aid a Sister or a Brother
in their hour of need. How different
in all their workings are these Soci
eties, which arc built on the solid
foundations of Brotherly Charity,
from our stock Insurance Companies
which are built on the greed of man
for money and nre managed accord
ing to the principles of all inonopo
lies? "But," say insurance agents,
"your Societies are ropes of sand."
1 venture ihe assertion that they are
more enduring and secure than the
monopoly companies ; let ouo of them
speak for the rest. (Here we have it:}
These Companies now number 41.
Six years ago there were 09 Life In
surance Companies doing business in
the Statt; of New York. Twenty
eight pi them have ceased business,
and mostly been absorbed by other
Companies. In each of these 28
cases this result has been brought
about by high expense of manage
ment. Insurers should thou look
closely to this all important point in
Life Insurance management, for a
large ipeuso ratio not only denrives
a policy-holder of tho dividends that
so justly belongs to him, but may
drive the Company from business
During the last six years 23 out of
69 have ceased to do business. The
people are dropping these costly
institutions, They took in money so
rapidly during the flush times, and
in the early stages of insurance that
the managers became outrage ously
extravagant, the money was ruthless
ly squandered and as soou as payment
commenced and receipts grow less,
their worlhlesness began to manifest
itself. The panic was all that was
necessary to cause thorn, to collapse.
Many ofthe Stock insurance Comp
anies have been hugh swindles, but
little above the lottery schemos in
theif methods of extracting money
from the masses for tho benefit ofthe
few. On our plan money is not paid
i n to accumulate in large amounts to
<.il'er temptations to extravagance.
When needed it i? culled lor und
every member holds his own capital
and has the benefit of it. But there
is another significant fact As much
as insurance men have to say about
the worthlcssness of the mutural p!au,
I think not one of the 28 defunct
companies was a Mutural Company ,
but every one was a stock company
But I will not trouble you with a
longer essay; this is a great subject
and I tear I have already taxed your
But before closing 1 desire to say
that I have no pecuniary interest in
the advocacy of the mutual plan of
insurance. My desire is to do good
and to save my brother farmers from
imposition and fraud, and to advance
the prosperity and usefulness of the
order of the Patrons of Husbandry.
??rap- - - ? mmt ?
Return of the Jews to Palestine.
The Interior makes the following
wise, as well as witty remarks upon
the lijerali/.ing of Scripture promises
and prophesies : This literalizing of
the sublime promises and prophesies
of the triumph of the Church of
Christ, down to a promise that a
particular race shall go back to the
now almost barren land of Palestine,
nil edit, fn hn fonaiofont ruitl? Ita.-Jt" n nA
d? " " ? -? ?-....... . Ww>. ?...v.
look at existing facts. The present
population of Palestine is 300,000?
all that it will support in the most
starveling way. The area of Pales
tine is 12000 square miles. The pre
sent number of Jews in the world is
6,000,000. If located in Palestine the
population would be 500 to a square
mile. But the population of China
is only 303 to a square mile; of
Prance, 172; of Hindostan, 120.
England, an extended city living off
n.anufactures and commerce, has 372.
If a third of the Jews were to go back
to Palestine they would starve to
death. Now, we call attention of the
exegetes to the fact that this showing
appeals direct! v to their bowels of
compassion. Are they willing to
starve a matter of five millions of
Jew.- to death for the sake of vindi
eauirg"^ieir b^c^nimj t ?' ~
Home Life of the Ancients.
It was a dismal, rainy day in De
cember. Socrates, who had no um
brella, aud in fact didn't have time
to live until the first one was made,
stood on the front steps of his house,
drawing his cloak around him, before
venturing down the street. From the
opposite side of the street his friend
Thermeues, passing by, familiarly
hailed him as 'Soe,' and shouted :
'Blustery this morning.'
?Yes,' replied the philosopher, it's
'Hey?' suddenly shot the voice of
Xantippe from a second story win
dow, 'hey ? what's that?'
'I said,' exclaimed Socrates*
promptly throwing up his guard and
backing prudently into the doorway;
'I say it's scold.'
'buid what?' was the sharp rejoin
der; 'you say that again, aud sity it
'It's cold,' repeated the philosopher;
'it's scold; its cold; its scold as ice, I
There was a moment's silence, dur
ing which Xantippe appeared to bo
buried in profound thought, while the
great disciple of Auaxrgoras occupied
the painful interval by grilling up
his loins and tucking his trowsors i n
tho tops of his boots, and making
olhor preparations for a lively run.
Presently there came from tho win
dow :
'You hold on there a minute, young
man, till I come down. I want to
see you a raiuuto before you go down
There was fierce, rapid flapping of
Attic 8audals upon tho wet pavement,
tho wild rush of a cloaked figure
through the pelting rain, and ten
minutes later Socrates"was explaining
to Plato and Xenophon that ho had
chased a streetcar all the way from
the Peiruic gate, and was elear out of
breath.?Haw key e.
??m> ?-?????^?~?
Women should study to be smart,
but novor shrow-ed<
Eli Sees Beecher.
[From (he Inter'-Ocean."]
Oil City, Pa., January 31, 1878.
?This morning as I got into tho
Erie cars, alter a lecture in H?rne Us
villc, I met my old friend Henry
Ward Beecher. Mr. Beecher looked
rough and ruddy. His face blushed
rosy with health, and bis eyes glit
tered in a way indicac ing anything
but a torpid liver.
After talking n few moments, I
turned to tho great preacher1 aud
asked bun this question :
'What is this now doctrine you are
advocating about no everlasting hell
for the wicked and depraved ? Why
did you auuottnco your belief in no*
perpetual hell, Mr.Beecher?'
?Well,' replied Mr. Boecher, 'I had
particular reasons for doing it, but I
don't want to give them.'
'Don't you want newspaper men to
know tli?in?'I asked.
'Yes,' said Mr. Beecber, 'I do want
newspaper men to know my reason
for declaring no everlasting hell for
the wicked aud depraved, but I don't
care about the churches knowing
'Well, why did you conio out
against everlasting punishment?-tell
me, won't you ?' I said coaxiugly.
'Yes, Eli, I will tell you my reason
for doing so, but don't lot it go ady
farther. You know,' continued Mr.
Beecher, 'that you joural'ujts have
been abusing me a good deal lately ?'
'Especially Mr. Dana, of the Suit ?'
'Yes, I uotico Mr. Dana devotes a
column or two to you every day,' I
'Well, I announced the idea that .
there was no everlasting hell for the
wicked, just to please you journalists
?to throw a little sop to you, you
know, to keep you good natu red.'
Aud then Mr. Beecher shut up both
eyes and lau ghed all to himself.
a $30,000 house.
A little while afterward, in a more
serious mood, Mr. Beecher informed
000 house on his farm, he s.iys^where
1 ecu spend my old ago in peace and
'I reduced my own salary,' said Mr.
Beecber, 'from 820,000 to 815,000,
because I think 15,000 is enough to
pay me, these times. It is all I earn.
You know I lecture a good deal* and
I feel that my church should not pay
me as much as they would if I devo
ted my whole time to her interests.'
Talking about lectures, Mr. Beech*
er said that he used to lecture in
1850 for $15 and $20 per night. 'And
once,' he said, 'I went from Lawrence
burg, Ind., where I was preaching,
clear to Boston, and delivered a lee*'
tu re before the Mechanics' Institute
for $25 and expenses.' Time has
changed things some, for la3t night,
at Titusvillc, the receipts at
Beecher's lecture were $600.
- ?* ? -o- ? m
Four Men with Nineteen
Wives.?A gentleman in this city,
who has every facility for knowing
whereof he speaks, and who is thor
oughly reliable, states that recently
there were four men living in this
county within six miles of each other
who have been just and lawful hus
bands of nineteen wives. One has
been married six times, another five,
and the two remaining, four each.
Two of the raen have died recently,
but tho other two are still living, one
with his sixth wife and tho other with
his fourth. If anybody is disposed to
doubt this statement, the gentleman
can furnish .the proof. But it isn't
this way all over Mecklenburg
County.?Charlotte Observer,
The first thing is to make your
sermon plain. Mr. Blomfield preach
ed on the text, 'Tho fool hath said ia
bis heart 'There is no God.' Wishing
to find out how it pleased his peoplo,
ho called a poor foolish man to the
pulpit and asked him how he liked
the dermon. The reply, which made
Blomfield a sadder aud a wiser man,
wns : 'Well, sir, I must say I can't
agree with you. In spite of all you've
said, I think there must be s> God/

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