Newspaper Page Text
VOL. III.
INSURANCE TALK.
NO NEED TO
i
DIE
TO WIN
IV. A. Fowler, Agent for Haber•
sham, Hart and Franklin
Counties. Agents W&utcd:
.
1. Paid-up Values After Three Years.
2. Loans Made After Five Years.
3. Premium Reduction After Ten Years.
4. Annuities Paid After Twenty Years.
5. All Claims Guaranteed in Full.
A
6. Immediate Settlement After Proof of
Death.
That old-line insurance costs too much is
evidenced by the fact that companies ad¬
vertise to the world the payment of all
claims from interest earnings alone.
That purely assessment insu ranee is un
is shown "by the indefiniteness of
the contract.
While the people demand low premiums
demand a definiteness in contract.
Both these demands are met in the
plans of the American Life-Annuity
The premiums arc graded according to
age, and the promise to pay is plain and
and definite.
Premiums cease after twenty (20) annual
payments have been made to the Company.
If desired, any time after three (3) years
bond may be surrendered for a paid-up
bond of as many twentieths us annual pre¬
miums have been made.
If desired, any time after five (5) years
t he assured may borrow from the Com¬
pany such sum of money as is designated
in the table of Loan Values written in the
bond, depositing the bond with the Com¬
pany as a collateral.
Should li^-utli occur during the first
twenty (20jn ■cars of membership, the
amount desigjlited of MU k^ijce 0/ the bond is paid to
t he beneficiary in full and iiu
uiedlnteiw
To 0! bond is attached ten (10) cou
pons, ich calling for payment of one
tenth #10) of the face of the bond, the date first
one ldaturlng twenty (20) years from
of bond, and one annually thereafter until
all have been paid, the bond being sur¬
rendered with the last coupon.
Death previous to twenty (20) years
from date of bond matures it for the full
amount named in it3 face.
Death occurring any time after twenty
(20) years from date of bond matures the
remaining coupons, which will be im¬
mediately paid to the designated bene¬
ficiary.
Thus the member Irimseif, if living at
the cml of twenty (20) years, will receive
one-tentfi (1-10) of his bond, and a tenth
annually thereafter until all the coupons
have been paid.
Not only can one thus provide for the
family during the period when death
would be most severe to its members, but
he can provide a certainty each year for a
number of years, when the period of active
business has passed.
By the plans of the American Lifs-An
nuity Company each ineml&r knows just
what he is paying for, just how much he is
paying for It, just what he will receive,
and (if he continues to live) just when he
will receive it.
Each member contributes the same
amount per thousand dollars to the
Guarantee Fund, and the same to the Ex¬
pense Fund.
At the end of ten (10) years the cost
(yearly) is reduced $3.00 per $1,000.
Five years later, at the end of fifteen
years, there is a further reduction of $3.00
per $1,000 in the cost annually.
At the end of five years more, Iteing
twenty (20) years from the date of the
bond, the coupon payments begin.
The cost is greater than assessment in¬
surance, because the benefits are greater.
The coat is less than old-line insurance,
because the benefits can be given for less
than old-line companies charge.
Twenty-Payment Coupon Annuity
Bonds will be issued in amounts of from
$1,000 to $10,000 to acceptable applicants
between eighteen and fifty year* of age.
Under Whole Life Bonds the payments
of premiums continue during life, or dur¬
ing the time tbe bond is kept in force.
After three years the bond may be sur¬
rendered for a paid-up bond of such an
amonnt as the accrued surplus used as a
single premium willparchase.
At any time, without re-medical ex¬
amination, Whole Life Bonds may be ex¬
changed for Coupon Bonds by payment of
the accrued difference in premiums, with
six (6) per cent interest on the deferred
payment. > terminates all pay¬
Death at any time
ments of premiums, and the amount of the
bond is paid to the beneficiaries.
The cost is bat little more than
ment insurance, but tbe benefits am very
much greater, ss the payments can be ter¬
minated any time after three yearn
any loss.
The cost is a great deal less than old-line
insurance, because tbe protection can be
given for s’great deal lass than old-Une
companies charge.
Whole Lite Bonds will be timed in
•mounts of from $1,000 to SiOfiOO to ac¬
ceptable applicants between eighteen end
ot . ■
- •/• - • -idGa S9
a __ npo 1 -^ rp m^w-'Y - COA TI fS rfl ¥Wi $£
intr 1 ! r ]
1895.
THE TIMES
A Cow Thiel.
Jim Prather,a negro well known
about town and who has been
working on the Inman platform for
several years, and has been in
trouble before but has managed to
pay out, 6tole a cow from T. A.
Capps on the 14 instant", and drove
her to Ft. Madison,S. C. and sold
her for $5. Mr. Capps got word
that Jim Prather was seen driving
a cow along the road toward South
Carolina, and upon further investi
found her at Ft. Madison as
before stated.,
Mr. Capps sent out in town for
Prather last Mondry evening and
when Jim came in Capps’ store
Mr. .Capps asked him what lie did
with bis cow,where upon he turned
around and shoved Flem Smith, a
clerk, out of his way and made a
bound for the door and disappeared.
Tt appears that Prather boarded
a local freight that night and went
to Central, S . C., and the next
. returned , to> ... Westminster. . . t
mornmg
h. c r u'liere w Here he He u-is w as irreetwl arrested ana
put in the lock-up and oilicers at
Toccoa telegraphed for.
Chief McClure took the noon
train on Tuesday for Westminster
to get Jim but before he arrived,
the negro had broken out and blood
hounds had been put on Prather’s
trail.
The dog got ahead of the men
who were following him and the
only news heard from the negro or
the dog, was that of a colored man
meeting J im Prather between
Westminster and Saneca, wlnre
Jim picking up the dog threw him
down the railroad cut to tiie other
darkev and told him to take him
back to Westminster, as lie did not
want flio dog to follow him. The
dog could not be prevailed uprni to
leave Jim and when Jim would
run the dog would run and bark,
but when Jim would walk the
would walk along side of him very
Carlton Cornw-ell, foreman of
the Gazette, Middletown, N. J..
believes that Chamberlain’s Cough
Remedy should be in every home.
He used it,for a cold anj it effect,
ed a speedy cure. He says : “It is
indeed a grand remedy, I can rec¬
ommend to all. I have also seen
it used for w hooping cough, with
best results.” 25 and 50 cent bot¬
tles for sale by W . H. & J. D ivis
druggists.
New Firm.
The firm of Simmons, Biown &
Co., the big general merchants of
Toccoa, lias been dissolved, Mr.
Vickery retiring and the business
carried on under the name of Sim¬
mons & Brown. On February 1st,
Mr. J. II. Cox, who has been in
the employ of this house for some
timt, and is well and favorably
known by everybody that comes to
Toccoa, will be admitied • as a
special partner.
We can’t say anything for the
above members of this firm that
everybody does not know, except
that they will continue to carry the
largest and best selected stock of
goods in North East Georgia, and
sell them at prices that utterly de¬
fy competion. To say they will
contir.uj to make a success of their
business, is putting it mildly, as
Bal Simmons and Ben Brown are
men whose integrity and character
is a stamp of honesty on each ar¬
ticle they sell from their store.
Hartwell.
Special Correspondence to Tint Times
Tbe Hartwell Institute is on a regular
boom, 150 in attendance and more coming
every day. Quite a number of pupils trim
over tbe state and other states are in at¬
tendance. With Prof. M. L. Parker as
principi 1, Hartwell can i o st oU ne oi ti e
beat schools in Georgia Prof. Parker is
widely known ss one 0 / tbe best teacher's
to be bad. » r H. Williams
On Fe .rnary the 1st Mr. W.
will t~x»t c charg« e of hotel Arlington of tbe at
Gainesville Williams is one
best hotel men in tbe state and baa many _
friends among tbe traveling & men. Co., has been
Tbe firm o<T. 8. Harper appointed
clmed cwt and D. A. Perritt re¬
el 1
Not withstanding tbe bard times our
town continues to grow. rebuilding his
Mr. D.C. Adord U brick war*
also erecting four nice
STATEMENT
—OF THE CONDITION THE-!
Toccoa Banking Company,
Located at TOCCOA, state of Georgia, on the 15th day of January 1805, at the close of
business:
Notes and Bills discounted, . $61,738 48
Over Drafts, secured, ..$1,502 79 1,557
Overdrafts, unsecured,......54 85 64
.Furniture Banking Fixtures.: 1,200 00
and
'Other Real Estate,..... .. ’... .....
Due from State Banks and Bank
era...... ,,.. ............. 11,116 76
Due from Rinks or Bankers not
in this State, ............. 19,909 SiS
Cash 0:1 hand, viz: 13,233 39
Currency............. $11,023 00
Silver, trickles, pennies 889 55
Gold................. 441 50
Uncollected Checks
and other cash items 879 34
Current Expenses ..... 108 50
Taxes Paid
Interest Paid
Total $108,864 33
Classification of Notes and Bills Discounted —Other Debts Due Bank
In Suit ............
Judgment Obtained 540 00
Not in Suit ........ 61,198 48
Total $61,738 48
STATE OF GEORGIA, Habersham Countv—Before me appeared W. R. Bruce,
cashier of the Toccoa Banking Co., who, being (inly sworn, says the above statement is
a true statement of said bank as shown by the books on file-in said bank, and he furth
,. r swtjar8 that since last returns ipade to the State Bank examiner of the condition of
said bank, to the best of affiant’s knowledge aiul belief, that the said bank, through its
officerg> have not Violated or evaded any obligation imposed by law.
„ t w. It. BRUCE, Cashier.
Sworn to and subscribed before me. this 23d day of January, 1895.
J. F. COOPER, N. P., Habersham County, Ga.
“
REPORT OF TOCCOA _____ PUBLIC SCHOOLS „
for Fall Term, commencing Sept. 3, and ending December 21, 1894.
TEACHERS 4 J§i ♦j V Elgisls ; :s ij rJ c<i After mitt SusjMjnsion AG .5 Cl t c 1 Attenci- ance Due Absent Present ! l~ its Attendance Mark s Punishment
Grade iilfil Head f! j A'-eritge •Days Dava Dava !! * Tardy a 9
Emma WHITE Davi^........ SCHOOL j 1! 68 151 l 1 1 43 ... i 3541 473! 331:8 : 95 1 5_ C".
J :i ^3 20 1 1459 62’! J 897! 95 7 r.
Mrs. W. J. Ramsay ...
r. 4 18] . | 1545! 44i 150F97 1 30
Mamie Thimbu!) j -t j?, ^ 23 : i 1791! 44 82| 1214:97 1747'97 5 4 o_x
. . r. 17 , 1246; 251
... la Jon, . 1 01- 19 3 1 I..J ii 16 . ..] ,1255 • 1230 98 y
° ‘ 3 .......... , i 15 1 149 '1023 5! 44 979 5 95 7 -1*
\V. F. Perry P " 1 oc 12 L . 11 | 896; 471! 18 877 462 5:97 98 W 1( 1
Total 203 32 1 2 169 i, 451 5 12776 97 128 ; 20
............
COLORED SCHOOL. j . a!
R. J. Spann, Principal. As’tv ! , 103 .. 52: £ 6500 132 0308 97 9 C5| 39
Mrs. E. J. Rucker,
•Pupils are due the total number of days enrolled as members of the school.
W. F. PERRY, Superintendent.
THE COTTON MARKET,
Hubbard, Price & Co’s., Cotton Circular,
New York, January 19—In face
of the continued dulness of specu¬
lation, the strength of tlie cotton
market is remarkakje, as there is
no sign of any cessation in the
movement of-the crop, and the sup
port which in the early part of the
season was furnished by large pur
chases for Americufci spinners, ap
pears to have been withdrawn,
The buyers now are those who are
apt to appear in seasons of extreme
ly low prices, and accumulate
certaia amount of cotton for what
might be termed investment pur
poses. The buyers do not pur
chase any great quantity of cotton
at one time, but their name seems
to be legion, and their purchases,
though small in quantity, are large
in the aggregate. These buyers
are supplied by sales against co t
ton bought in the South and stored
in various sections of the country,
and also by the sales of exporters
who prefex to avail themselves of
the opportunity to hedge in this
market rather than in Liverpool,
The demand for cotton from the
Continent continues on a large
scale, absorbing the offerings of the
Southem markets, and maintaining
prices above the parity of those cur
rent here. The basis for the in
vestment buying would seem to be
the probabilities of a decrease in
the acreage next season, and a re
duction in the yield, as a result of
the disorganization of labor,which
must follow from the removal of
the intelligent supervision upon
large plantations. Our advises
from many sections of the South,
where the arrangements for the
new crop are being made, are to
thl effect that those who have
heretofore employed labor for the
purpose of raising the crop are
adopting two different methods of
procedure. One portion of tbe
large planters appear to be simply
reducing the acreage,while another
1 Capital Stock, Paid up ..... $50,000 00
! Surplus...............
| Undivided surplus Profits,not carried to 5,534 77
| Exchange
I Interest
' Premium.....
. Rents
Due Banks and Bankers in the
State ......»*...... Bakers
Due Banks and with¬
out the State
Unpaid Dividends
Due Depositors,viz; Check $53,329 56 $53,329 56
Subject Time Certificates.............. to ...
! | Certified Checks ..............
Cashier’s Checks......... 3
Notes and Bills Rediscounted' *
Total $108,864 33
! Good . $61,588 '18
Doubtful 150 00
Bad .
Total. .. $61,738 48
portion is turning its tend over
its employees and arranging with
ihem for ti.e payment of a rental in
the shape of cotton to be grown
next season, Both of these meth
ods will of course reduce the yield,
as those who rent the land will Hot
have the same supei vision as in
previous years, and the crop will
be badly cultivated and poorly fer¬
tilized. In the meantime the mar
ket remains on a very slow basis,
with fluctuations representing only
the temporary needs oi local tra
Those who look fora fur
thcr decline believe that the stag
nation in speculation will
bring about the liquidation
these investment holdings on
theory that it is simply a question
of time when disgust will take
session of holders at the failure
the market to improve.
course might be expected so follow
had the interest been
on an advancing market, but
cotton which has been bought
is ™' v h dd has been, purchased
with a full knowledge of the
nitude of this crop, and in that
s f>ect recalls the long interest
which was made in August, *892,
and which refused to liquidate
the short crop enabled them to
do so at a profit. It requires
perspicacity to discover
why cotton should decline from
cents per pound. It calls for
insight into the future to find
*tantial reasons for an advance
other than that cotton is now sell
ing below what is usually believed
to he the cost of production, and
consumption is larger than
ever known in the h‘* tor y of
ton -
Notice to Subscribers.
From now until the middle
next month about 150 subscriptions
to The Times will expire. If you
want the paper longer come in
make arrangements for extending
sAme. * *
School Column.
Edited under the Auspices of the Toccoa
Public Schools.
ERNEST DEATON, editor in Chief.
Birdie May Jones, Homer Kennedy, editors Co¬
ral Capps, Harry Burgess, assistant
Mr.R.M.Wheeler and Dr. Jeff
Davis visited our school Iasi week
Come again, we are always glad to
see oar active friends. y
Jno.Simpson gave a sociable to
his schoolmates and friends last
Friday night. A large crowd was
present and all had a most delight¬
ful time
Such another Bright boy as Hen¬
drix we never saw.
Freeman will never be more than
a Hunter.
Mr B II Williams, a bright and
interesting young m^n of Frank¬
lin county came down last Tues¬
day to be in our midst. We
that our friend will be pleased
with his school-mates and stand ut
the head of all his classes
Joe is the most Suttle boy in
school
The Dooley family must l* look¬
ing - toward a monarchy as it al¬
ready i as its King and Qjjecn
I’rof. W. L. A bott, our former Supt., is
now teaching at Stilesboro, Ga.
“Napo eon Bonaparte,” as is befitting all
world-rui owned cliaraeters, was accorded
a very w arm reception upon his return
from >1 In ntin/ expedition last Saturday.
His Pa, assisted by old hickory, was mas¬
ter of ceremonies.
Tlio most numerously represont<d name
in school is Ramsay. Hitt us, d to be.
Washington's birthday will bo appro¬
priately observed by the school.
A gallant gentleman in town said to one
of the school girls at tiie party Friday night
"Has anyone made arrangements with you,
for me to take you home ?”
The* 0th Grade will use for a supplemen¬
tary reader "Our Timer,” a school n tws
pajM-r, giving each month's impiltint
events, discoveries, etc.
There are now AS pupils in actual atten¬
dance in the Principal’s room.
Florence Jerrurd, who has made her
home for the past three years with her
uncle 8. J. Busha, ha* gone to her father
in Texas.
Toccoa has the only absolutely free
graded Public .School system In North-east
Georgia.
A Concert.
The Clarkesville Cornet Band
will give a concert in Toccoa to¬
morrow night (Saturday). It will
consist of music by corntt band and
string band with negro character
and dialect,minstrels, speeches.etc.
They are said to give a good enter¬
tainment.
Dissolution of Co-partnership
We tbe undersigned, doing busi¬
ness tinder the firm name and style
of Simmous, Brown & Co., in the
general mercantile business at Toc¬
coa City, Ga., have this day and
date dissolved co-partnership,J. B.
Simmons and B. P. Browm, Jr., L.
purchasing the interest ofW.
Vickery, the firm being continued
under the name of Simmons &
Brown, assuming all the liabilities
of the late firm *»nd collecting all
notes and accounts due the same.
J. B. Simmons.
B. P. Brown Jr.
W. L. Vickery.
Jan. iS, 1895.
Hello Central!
Toccoa merchants have now tele¬
phones in almost all their stores.
There are nineteen subscribers
with a centra] office at the Post
office.
Th expense of putting in a phone
is $20, and 50 cents per month for
running the central office. This is
a long step in the right direction
and we are glad to know Toccoa is
never in the rear when there is a
chance for progress. The phones
are now all up and in working or¬
der.
Lout.
- Lost — Round gold breast pin
shape of Flower with stem. Find
er will pleAse return to Birdie Mai
Jones and receive reward.
Lost —Gold Sheath ayid hilt at¬
tached together by chain of a ladies
breast pin. Finder will return
same to The Times office and rtS*
ceive reward
.. *. * dM *
NO.
Demo rest.
Special Correspondence to The Times..
Mrs. VanGorder and childr
arrived from Minnesota last W
-■
nesday, to the great delight^f }
VanGorder. They occupy one rim
Judge Green’s cottages. m
.
Mr. and Mrs. Bebb of Rock for
Ill., came Thursday to spend t!
winter. They are domiciled
the Brabson cottage on Pine str
Messrs. Nix & Parnell have |
formed a partnership for the
facture of wagons, buggies, etc.,"
and general repair work.
Mr. Hutchins and family, who
formerly lived here, have moved
back from Clarkesville and lie will
open a blacksmith shop.
There was a wee bit of a fire At .
the residence of II. Willett, Mon-.-;
day night. An ash barrel caught
on fire and set fire to the woodshed
An alarm was sounded and the
neighbors awoke from their
ful slumbers and rushed out to
what the disturbance was occasion¬
ed bv. Wilbur Willett tumbled
out of bed, ran down stairs, gun i«f.
hand, thinking that robberfi.were
the house. Mr. Hampton ran hat
less and coat less with something
his hand ; Mr. Bushnell ran 88
as his legs could carry him, while
the tadis stood around
ing themselves that the fire was
worse than it was. We cannot
too careful about putting
where they will do no damage.
Professor Webster and son arc'
negotiating with several pai
about cutting and shipping-timb#if:$
from points along the B. R. & A. .
railroad. They have eleven saw
mills cutting timber for them, 'ItcSm
need in this delightful southland^
northern capital to open up mines,
clear away tWe the forest farmers and open of th« «p|| 1
the country to ‘
north and northwest. Welcome, ’
•’Cl*
thrice welcome to all
industries. Let the chasip befcsvr
the north and soutb-bc bridg!w ! t|Pl
juBt such enterprises and let us Uvi ;
together ^Dr. as brethren. fro^P ;J
Baldwin has returned
Atlanta. He, his
sister are quarted a
house.
We regret to here that Ca|
Clcghorn is in Chicago recei
medical attention. We hope ig
long to see him on our streets an
feel the warm grasp of his hand!
Fred Wilson, formerly of VHtf _. ■
rest, but now traveling tor I
Fletcher Furniture Factory, |
Nashua, N. H., surprbed
frienefs here by making hie a|
ance Saturday night. *" " r sP
Mrs. R. L. King is visiting
sister, Mrs. N. E. Overman.
A Demorest medal contest
be held by Mrs. Lettee in the Ctt
nelia district Saturday nights
all attend who can do so. .*
Mrs. Lamb of Toccoa, wai«|
town for a few days Attending t
some business Glad to bear she j
doing so well in her of bakery Toccoa in*^|j knoi
coa. The people w
a good thing when they see m 1
taste it.
Mr. J. A. Reynolds settled wi
his creditors for 33$ cents on • i
Poor collections, and general 1
pression in business is said to
the cause. We' hope J. A. 1l|
rally and come to the frost agsi
for he is a jolly good fellow-, I
T. S. Free has purchased 1
acres'of land adjoining Mr. B
telle from from J S Adams, reef
er of the land company, build jCOAtei< S’|
ation $ 1. He will
cottage in the spring. f&H
• Ex-Mayor Bangs’ baby Is
the smartest little thing in tfl
He says he would rather hi
father of such a boy, than toe
^
; : #ja
The Prohibl r"
Tempter*
iftto a *tmte of “
'
< ,
-
-
.