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GUMPTION
vs. GAMBLING ?
The Century Dictionary states that!
"GUMPTION is clear practical Common sense''
“THAT’S ANNUAL DIVIDENDS”
And also states that! "GAMBLING is to engage In
financial Transactions or speculations dependent for
success chiefly upon chance or unknown contingencies."
THAT’S WAITING A TERM OF
YEARS FOR YOUR DIVIDENDS.
HOW FAR CAN YOU LOOK AHEAD?
If any company atka you to agree to forego dividends for ten, fifteen or twenty years, don't do It.—
OCT YOUR DIVIDENDS ANNUALLY.
Pursue the earns rule in your Insurance contracts aa In other business matters,—lnsiat on an ANNUAL
SETTLEMENT OF PROFITS.
Don't speculate or gamble with your Ilfs Insurance—it’a too serious a matter. There are other more at
tractive ways of gambling.
The above Is Illustrated below. What do you think of It 7
ANNUAL DIVIDENDS
In 1901, a prominent banker of thla state, at age 51, bought SIO,OOO
Insurance In an Annual Dividend Ineuranoe Company, Ordinary Life plan,
calling for an annual premium $501.00
First year's dividend 68.30
Second year’s coat of Insurance $432.70
His dividend in 1903 increased to $74.00.
In thla policy the Insured receives his dividends In caeh each year.
He cannot forfeit them.
Isn't that gumption?
You would not pool your profits m your bank or store or other busi
ness for twenty yeara. Why should you In your Insurance?
DEFERRED DIVIDENDS
The same year another man of the same age bought SIO,OOO Insur
ance on the Ordinary Life plan, In one of the large companies, with an
annual premium of $506.20. The policy contained this clause: “If the as
sured be living and the policy la in force at the end of twenty years
from its registered date of issue, the Boclety will pay to the assured
a cash dividend."
In this policy, the assured agrees to wait twenty yeara, or until age
71, for hla profits, which will be forfeited In case of lapse or death with-
In twenty yeara.
Wouldn't you call that gambling?
As only few policies are carried the full twenty years, there are
many chanoes of the insured losing all his dividends, while he cannot
lose them. If paid annually.
See that your policies participate in annual dividends.
Hon. Wm. A. Frlcke, formerly Insurance Commissioner of the State of Wisconsin, says: "All that Is
vicious In the conduct of the business of life insurance, extravagan:t competition, etc., is chargeable
to the deferred dividend contract. All that is good—equity, economy, actual cost—ls due to the an
nual dividend accounting to policyholders.”
Which ofThese Two Men, Do You Think Made
the Better Investment?
ANNUAL DIVIDENDS
f In 1890 a prominent Individual insured In a certain com
pany for $5,000. 20-year Payment Life plan, with annual dividends. His
death occurred in 1901. The company paid policy $5,000.00
Dividend additions 618.55
Total paid by company $5,618.55
Which was a return of 33 1-3 per cent, of premiums paid, besides
face value of policy.
Good dividend, wasn't it?
Had this policy been on the deferred dividend plan, only $5,000
would have been paid.
DEFERRED DIVIDENDS
In 1882 a gentleman insured In a certain large company for $7,000 on
the Life plan. He made his last payment in 1901, and died a few days
after. His policy contained the following clause: "No dividends shell be
apportioned or paid on this policy before the end of the accumulation
period. The accumulation period Is twenty years." As he failed to com
plete the last policy year, having lived only nineteen years and six days. ,
his entire dividends were forfeited to the company.
Was that good Judgment?
Had this policy been In a company paying Annual dividends, all
twenty years' dividends, would hav e been paid In addition to the face
value.
"Locking backward over fifty years of American life Insurance records, the fact stands out prominent
ly that the companies which have distributed annual shares of surplus (dividends) to their policyhold
ers, have furnished th e cheapest (to all policyholders, not a favored ?®w) life Insurance."—A. J. Flit
craft, Editor "Llf* Insurance Courant."
WE MUST HAVE INSURANCE
But Let Us Have the Correct System
What would you think of a Merchant or Banker who would take stock In a buslnesa that read: "I
hereby agree that no profits shall be paid upon this stock unless I am alive twenty years from date of
issue" You would think he had a poor head. Have you bought that kind of Insurance? IF YOU
HAVEN’T. DON'T DO IT.
Thousands of men have Insured in that way, and died or been forced to lose their policies before the
end of a 10. 15 or 20-year dividend period, forfeiting all dividends. GET YOUR DIVIDENDS ANNUAL
LY.
Here are some Instances:
A wealthy man on the Pacific Coast insured In 1886 for $50,000, on 20-year Deferred Dividend plan. His
death occurred In 1901. His estate lost all dividends, of about SIO,OOO, because he did not live the last
five years.
A prominent Manufacturer In Chicago Insured for SBO,OOO on 15-year plan. He died after paying 13
years. Estate loses over $12,000.
In 1901, an Annual Dividend agent and a solicitor for a Tontine Company solicited a clerk for a
$6,000 policy. The Tontine agent secured the policy. The Insured died In 1903 and his estate received
the $5,000 forfeiting all earned dividends. Had he taken the Annual Dividend policy, the amount
would have amounted to about $5,700.
There are hundreds of such cases all over the city, victims of the speculative dividend system. This
is not attacking Insurance or Companies, hut a system or method of certain companies used at the
expense of policyholders. We must hav e insurance, but let us do it on the right principle, and not pay
such HEAVY TOLL to ENRICH LARGE CORPORATIONS. Let us Insure, but give us our Dividends
Annually.
POINTS OF SUPERIORITY
Ixiwest expense rate, large annual dividends, premium rates average 10
per cent less than majority of larger companies.
Nen England offers policy full paid guaranteed in 18 years at lower premium
rate, less annual dividends than others ask for 20 payment and no dividends.
AUSTIN P. H. MULLARKY, m. nager, Eastern Georgia
New England Mutual Life Insurance to., Broadway and 9th St., Augusta, Ga.
THE AUGUSTA HERALD'
Of 50 Deceased in One
Month,3o Born in Augusta
OUT OF SEVENTY FIVE DEATHS TWENTY-FIVE WERE NON RESI
-0
DENTS—SOME INTERESTING STATISTICS AS
TO MORTALITY IN THIS CITY.
At the meeting of the board of
health, held laat night, there was sub
mitted the report of Secretary Good
rich. and It ts very Interesting In a
statistical way and touches on the In
crease and decrease In the local popu
lation. These figures nre well worth
the publishing and the following
shows Just how soon we may look for
the municipality to be decimated.
Here are the statistics for one
month I February 27th to March 27).
Here are the figures:
Total deaths, residents and non
residents. 75.
Total deaths, residents, 50.
Total deaths, white residents, 29.
Total deaths, colored residents, 21.
Total white deaths, male, 11.
Total white death*, female, 18.
Total colored deaths, male, 5.
Total colored deaths, female, 16.
Of the grand total of 75 deaths,
residents and non-resident*, 36 wero
single persons, 24 married and 15
widowed.
Of the 60 residents who died during
the past month, 30 were bom In Au
gusta.
The Birth*.
A peculiar fact Is noted that thero
DA. J. A. MORGAN
FAVORS CREMATORY
The Plan for Disposal of Garbage Told
of in Herald Some Week* Since to
Soon be Decided on by Board of
Health.
Although routine business was the
order at the meeting of the hoard
of health last night .the meeting was
one of a very important character in
that the purpose of It was to discuss
the advisability of establishing the
crematory In the city of Augusta. It.
was only owing to the absence of one
or two members of the hoard who
are particularly Interested in this pro
ject that the discussion of the mat
ter was postponed until some later
i time.
I)r. J. B. Morgan, president of the
hoard of health, gave it as his opinion
ihis morning, in conversation with The
Herald's representative, that the atti
tude of the board is one very favor
able to the establishment of a crema
tory.
I’nder present conditions the proper
! disposal of the city's garbage is a
' verv difficult, problem. The distance
(over which it Is necessary to haul
the trash and refuse of the city is too
long to allow of perfection In the pres
ent system and the methods of de
struction are also quite inadequate.
As The Herald some time since
stated, an offer has bean made the
ettv by the Sanitary Reduction and
Construction company, of Jacksonville,
Fla , which established both stationary
and movable crematories, and it was
this offer which was to have been
considered, and. If possible, passed up
on by the board last night. Dr. Mor
gan expressed himself as very highly
in favor of Hie establishment of such
a plant, as being a great Improvement
over the present method and con
ducive to better health conditions.
Another movement which will prob
ably be taken up by the board of
health In the near futlre Is the dis
posal of the city's waste paper.
Already parlies have Indicated some
interest in this matter and it ts stated
that valuable profit can be made bv
j the city In gottng rid of his character
of refuse. The paper concerns nre
beginning to feel the growing scarcity
of raw material for manufacturing pur
poses and the reconversion of waste
ipaper is an industry which is fast ap
proaching large proportions The idea
Is to dispose of this waste product
]to such concerns. Instead of destroy
'me nil of it bv the method* now in
I existence. It is believed that within
a short time some plan will be ar-
Irived at whereby both useless and ttse-
Iful garbage now eotleeted and hauled
|ou« of ihe city will he disposed of In
a more healthful and profitable man
ner.
Doctor* Ar* Puzzled.
The remarknhlo recovery of Ken
neth Mclver, of V»nceboro, Me.. Is the
! subject of much Interest to the med
! tcsl fraternity and a wide circle of
friends. He says of his case: "Owing
to severe Inflammation of the Throat
I and congestion of the Lungs. three doc
tors gave me up to die. when, as a
last resort. I was Induced to try Dr.
King's New Discovery and I am happy
to say. It saved my life.' Cures the
worst Coughs and Colds. Bronchitis,
Tonsllttls. Weak Lungs. Hoarseness
and La Grippe Guaranteed at all
druggists. 50c and |I.OO. Trial bot
tle free.
! The Horse Show Association uses a
Remington Typewriter.
THE CLINCH RIFLES
WIL LDRILL TONIGHT
Interest among the members of the
local militia is Increasing In view of
the Inspection of the Augusta com
panies tomorrow and Friday nights.
The Clinch Rifles announce a pre
liminary drill for tonight In order to
get the company in good shape for
( the eve of the inspecting ofloer.
The now uniforms for the company
| have arrived and it is desired by the
| officers of the company that all men
he on hand tonight to complete the
Anal arrangements for the inspection
The Oglethorpes and Clinch Rifles
will he Inspected tomorrow and the
Hussars and German Guards on the
i following Friday night.
were exactly 20 white birth* and 20
colored hlrtna recorded during the fis
cal month past.
There were 10 marriages, of which
eight were whlke people and two
colored.
Secretary Goodrich says that he de
sires to call the attention to the phy
sicians on their slowness in reporting
births. They keep the record all
right, says the doctor, but they do not
give It In to the hoard of health as
soon as they should.
THE DISEASE
IS CURABLE
Dally Times, Eureka. Cal.
The disease which ranks aeeond *o
consumption in fatalities and whlcn
has been deemed equally fatal Ib
Bright's Disease. That it Is now pos
itively curable Is known to compara
tively few people. Unfortunately, 'he
new apeeifle for Bright's Disease
comes under the head of proprietary
preparations and medical ethics for
bid a recognition of Its merit *. The
Herald fakeg the view that having
positive knowledge of cures effected
its duty to its readers and to human
ity is to state the fact. The pub
lisher knows of two eases in whic.l
It has effected permanent cures and
of two others who had practically
abandoned hope, but who are now
regaining their health. This paper 13
not pecuniarily interested and this
statement is made solely with a view
of aiding such people as may he afflct
ed with Bright's Disease and have de
spaired of recovery. Should any such
receive benefit we will feel amply re
paid for diverging from the beaten
journalistic path.—Livermore (Cal)
Herald, July 1, 1905.
The above brings to mind the ease
of J. H. Gvaelaar, of this city, and ir
resistibly leads to the belief that at
last the cure has been found. Mr.
Gyselaar was in the last stages of
dropsy. He had been told his days
were numbered —today he is hale and
hearty. An absolute cure was effected
and a marvelous one, too—Eureka
Daily Times. '
Both of the above articles refer to
Fulton's Compound for Bright's Dis
ease and neither was paid for. What
do you think of them? Send for
booklet on the curability of Bright's
Disease to Jno. J. Fulton Co., 409
Washington street. San Francisco; or
to Alexander Drug Co.
For Whooping Cough w» CHE
NEYS EXPECTORANT.
The New Chamber of Commerce
has purchased a Remington.
ELKS' NEW HOME
IN Slffl DAKS
Although the election held lasi night
by Augusta Lodge, No. 205, of the
Benevolent and Protective Order of
Elks, was a very quiet one the mem
bers of the lodge are expressing much
pleasure today in the election of Mr.
Louis Brooks as exalted ruler, and that
of the other new officers aa well.
Rome very high compliments were
paid Mr. Brooks this morning by his
brother members.
The result of the election was as
follows:
Exalted Ruler—Louis Rrooks.
Esteemed Leading Knight—Bruce
Young.
Esteemed Loyal Knight—Carl Meyer
Esteemed Lecturing Knight—A. D.
Tobin.
Secretary—B. W. Barrow.
Tyler—H. C. Parker.
Treasurer —John J. Miller.
Trustee for Three years—F. X.
Dorr.
It was stated this morning that the
lodge is now In better financial condi
tion than It has ever been .and that
in consequence of this satisfactory
state of affairs negotiaions are in pro
gress for the purchase of a home for
the lodge. It was stated to The Her
ald this morning that entrance to
their own home was expected hv the
members of the lodge to occur at least
within 60 days.
This condition of the lodge Is a high
compliment in Itself to the executive
ability and Industry of the officer*
who have served the lodge during the
past.
It will he noticed that Treasurer
J. .1. Miller retains his position. Mr.
Miller Is known among the members
as the veteran and has held the posi
tion of treasurer for a long time. An
other feature of the election was the
unanimous choice of "Dewey." the
house cat, as the mascot of the lodge.
I>ryin«r preparations simply devel
op dry catArrh; they dry up the secretions,
which adhere to the membrane and decom
pose, causing * fer more serious trouble thsn
the ordinary form of catarrh. Avoid all dry.
ing inhalants, fumes, smokes and snuffs
and use that which cleanses, eoothes and
heaia. Ely's Cream Balm is bucH a remedy
and will cure catarrh or cold in the head
easily and pleasantly. A trial sire will be
mailed for 10 cents. All druggists sell the
600. size. Ely Brother*. 66 Warren f?t., N.Y.
The Balm euros without pain, does not
irritate or cane# sneezing. It spreads itself
over an irritated and angry surface, reliev
ing immediately the painful inflammation.
Vfith Ely’* Cream Balm you are armed
»gr i *-'-* basal Catarrh and Hay later. _
ANNOUNCEMENT '
TO THE VOTERB OF RICHMOND COUNTY:
Our formal announcomont a* candidates for tho logiolaturo ha* already
boon made. Wo now prosant to tho voter* of tho oounty aomo of tho thing*
wo stand for, and will probably rafar latar to other matter* of publie in
teract.
I.—Flr*t and foremost wo otand for pcaoa and for tho unifying of
the people of thla county and eity.
UNTIMELY CONTEST.
2—We, tharefora, deplore and oondemn the bringing on at thi* time
of all othoro, another fioros faotisnal political fight. It i* unnecessary to
name the person* who are reeponeibl# for thia calamity. Thty are known
of all man.
Only a few short month* ago our poopla, without regard to past polit
ical divisions, united In a groat patriotic movement and solemnly resolved
that henceforth there should be a cessation of polltioal hostilities In thia
community, and that ‘‘all aur spare energies, aa wall as our surplus oub
■tonoa, should bo diverted from political and factional waits, and atorad
up in on# grand raaarvoir to supply the power for the upbuilding of a
greater Augusta,'' and a greater Richmond County.
Now, before that great movement has bean even fairly launched some
of tho men to whom was oonfided tho high and sacred trust of cementing
our poopla and bringing about good fooling and enthusiasm in developing
our commercial and industrial life, seize the first opportunity of again pre
cipitating thia community into another unnecessary, wasteful and dis
tracting political oontaat.
It is but a revival of the attack made upon Judge Eve two years
ago, whioh resulted in an overwhelming endorsement at the polls of tho
efficiency and honesty of hit administration of oeunty affair*. Whatever
differences may exist among our people in the abstract and as a purely
academic question as to tho propriety of combining or separating the of
fice of Judge and County Commissioner, and we believe eueh honeet dif
ferences do exist, tho publio have repeatedly declared by large majorities
at the poll* that they are satisfied with the present honest, practioal and
efficient and economical management of oounty affairs, and do not desire
to deprive the county, on a mere theory, of an offioer whom thoy believe
to b* one of the beat and most progressive commissioner* of road* and rev
enue* in tho state of Georgia.
It has bean demonstrated that this county has the bobt roads and
bridge* and public buildings, and the moot advanced educational, psnal and
corroctiv* oounty institutions in thecommonwealth, with the asms time,
a lower county rat* of taxation than a vast majority of tho other coun
ties of the state.
Never a breath of sutpioion has bean cast upon any official act of
Judge Eva. Tho people know that they can at any time they choose make
a ohang* in thia office whenever occasion calls for It; but with such an of
ficer and such a thorough system of organization and with so many years
of successful, honest and efficient administration to his credit the pacpla
have repeatedly shown by their votes at the polls an Indisposition to sub
stitute at this time for this experienced and triad officer a board of un
tried politioal commissioners subjeot to change and dlaorganization ovary
two years, aooording to the turn in the wheel of polities. Many of our
most conservative business men think it would be a financial mistake ta
turn over a great butiness enterprise like the management of the various
departments of a oomplex oounty administration, to an ever changing
board of commissioners elected by the people every two yeara. They have
witnessed the wrangles and unsatisfactory results of such a commission
in counties like Fulton and Chatham.
But whatever the merits es the two sides of this issue as a purely acad
emic question the people have viewed the matter from a praetlcal stand
point: they have judged the administration of the present commissioner
and pronounced it good; they have repeatedly announoed in no uncertain
voice that they do not desire or intend to turn out Judge Eve, however
relentless, persistent and implaoable the attacks made upon him by a few
of his personal enemies, so long as ha continuea his present wlae, able, ef
ficient and economical administration of tho county government.
We are, therefore, opposed at this time to interfering with the exist
ing regime of county affairs, pledging ourselves, however, if conditions
change, to pass any necessary legislation to meat such change- Wa trust
that our substantial intareats in thia oommunity and our character as
conservative and experienced citizens are suoh as to justify tha confidence
of the people that we will do the best we know how to safeguard at all
times the administration of our oounty government.
The above was substantially our platform on thia subjaot two yeara
ago. We believe nothing has since occurred to change tha sentiment of tha
people on this matter, and that there is nothing to justify the renewal of
this contest, at this time, when the people as a unit detir* a cessation of
political strife and a new birth of commercial and industrial activity,
THE PERSONNEL OF THE OPPOSING TICKET.
Again, the sincerity of the movement itself is discredited by the per
sonnel of the candidates selected. If the one or two gentlemen who have
insisted upon making thi* fight at this time and who stand sponsors for
the opposing ticket are actuated eolely by unselfish, diaintsrested motives
and believe the issue to be of such vital and practical importance to the
public, why have they put forward candidates who have no stable oonvie
tions on the subject and who have been on each side of it, and reversing
their position as often as the opportunity for doing so has presented It
-•elf 7
Indeed, why do not the gentlemen put themselves into th* breaoh and
oarry the issue to the public in their own candidacy or through men of
«qual business standing, whose convictions are stable and can be relied
upon?
Mr, C. E. Dunbar, who heads the ticket, has been before the people on
this issue three times. First he ran for the Legislature on a platform
against Judge Eve, and Mr. Louis Brooks at the same time on one for
Judge Eve. At the next election Mr. Brooks was for Judge Eve and Mr.
C. E. Dunbar, who was candidate, also espoused the cause of Judge Eve
and his dual office and waa eleoted to the Legislature.
He is now serving out his term under this commission received from
the people at the last election in which, by an ovsrwhelming majority he
was instructed to oppose any disturbance of the existing conditions. Ha
now occupies his seat in the Legislature by virtue of his election on a
platform pledging him to the polioy of non-interference.
If a member of the House were to offer a Bill at the approaohing ses
sion of the Legislature to separate the office, Mr. Dunbar would be bound
under the meet solemn obligation of hit office and pledge to the people to
do all he could to defeat the Bill. Yet we find him at home now heading a
ticket and announcing as the chief plank of its platform the separation of
the offioe—the very opposite of what he it bound under his present com
mission as legislator to do.
In his publio life he has thus had three opportunities of declaring his
honest conviotions upon this question which has been paramount in the
three last legislative campaigns and each time he hat publicly and sol
emly reversed his position.
He has not only abandoned the platform and the cause for which ha
stood in the last election but he has likewise abandoned his oolleagues,
without a word of warning or explanation, and gone over to the common
enemy whom they jointly and succeasfully opposed in the lait eleetion.
He has consented not only to fight under the banner of his former enemy
but he has oonstented to head the ticket and join Messrs. Brooks and Lit
tleton in en effort to compass the defeat and humiliation of his oolleagues.
All this without provocation and without notice when hie colleagues be
lieved him to be their loyal and faithful friend.
Mr. Brooks, though not quite S 5 nimble of foot in his acrobatic per
formances has, with a heavier tread, achieved the tame result.
Dr. J. R. Littleton in the laat campaign bloomed into oratorical promi
nence, proclaiming at every public meeting he addressed hie support of
tho ticket in favor of Judge Eve’s administration of oounty affair*.
These facts speak for themselves, and do not call for oomment from
ua. We simply content oureelves by adding: Should not the good people
of this community who honestly believe in a change and in a division of
Judge Eve'e office first have presented to them oandidates whoso honesty
of convictions and stability of purpose will warrant them in believing that
the candidates for whom they vote will be consistently and honeetly in
favor of carrying out their behest?
In the light of these facts what can the people think of the elneeritjr
of either the candidates or their sponsors?
Whet do these candidates think of themselves as they now behold
their records and see themselves as others see them? It even success
worth the price paid?
Shall our young men who aspire to public favor be taught that it oan
be won by putting off and putting on principles and convictions like they
would a suit of clothes? Is this the way they are to be taught the suffrages
of an intelligent and high-minded electorate are to be won? God for
bid!
CONSOLIDATED ELECTIONS.
<1 .We advocate a combination of elections so far as the same is prac
ticable in order to avoid useless interference with the business and
venlence of our people. „ I
LABOR.
s—. Believing that all children should receive a common school educa
tion to better qualify them for the life's work we pledge oureelves to vote
for an enlightened Child Labor Bill. We believe in the enforcement from
garnishment the wages of laborer*. We believe in the enforcement of ths
law passed by the last Legislature, making it a crime to subscribe mone -
to buy or influence votes in any Primary or election. Labor is interests l
in no law so much as this.—The ballot of the poor man is hi. only prote< •
tion against the aggressions and exactions of the unscrupulous rich. Ther<
for*, svsry effort to debauch the franchise of tho laboring poor is a mer
ace to his wages as well as to his libsrty.
CONCLUSION!
Bslisving that the foregoing express the sentiment* of a large mi -
jority of the voters of thie county, we respectfully solicit the vote and su; ►
oort of our follow citizens at ths approaching Primary.
BOYKIN WRIGHT,
MARTIN V. CALVIN,
R. E. ALLEN.
WEDNESDAY, MARCH 28.