Newspaper Page Text
VOL. III.
INSURANCE TALK.
NO NEED TO
DIE
TO WIN
IV. A. Fowler,- Agent for Haber¬
sham, Hart and Franklin
Counties. Agents Wanted.
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.
All Claims Guaranteed in Full.
(i. Immediate Settlement After Proof of
Death.
That old-line insurance costs too much is
. videnced by the fact that companies ad¬
vertise to the world the payment of all
,-laims from interest earnings alone.
That purely assessment insn ranee is un
certain- is shown by the indofinitoucss of
the contract.
While the people demand low premiums
they demand a definiteness in contract.
Both these demands are met in the
plans of the American Life-Annuity
company.
The premiums are graded according to
age, and the promise to pay is plain and
uitouuivocal and definite.
Promt unis cease after twent y (20) annual
payments have been made to the Company.
If desired, any time after three (3) years
bond may be surrendered lor a paid-up
bond of as many twentieths as annual pre¬
miums have been made.
If desired, any time alter five (5) years
the assured may borrow from the Com¬
pany such sura of money os is designated
in the table of Loau Values written in the
bond, depositing the bond with the Com¬
pany as a collateral.
Should death occur during, the first
twenty (20) years of membership, the
amount of the face of the bond is paid to
the designated beneficiary in full and im¬
mediately.
To each bond is attaebatl tmi.(HI cdu
Tinting for jiaywsm of one
tenth (1-W) of the face of the bond, the first
one maturing twenty (20) yearn from date
of, bond, and one annually thereafter until
all liave been paid, the bond being sur
from date of bond matures it for the full
a,uount “ a ® cd in iu facc -
Death occurring any time after twenty
(20) years from date of bond matures the
remaining coupons, whiclK will be ini
mediately paid to the designated bcnc
ticiary.
Thus the member himself, if w.MriReivc at
this end of twenty (20) years,
one-tenth (1-10) of his bond, and a^enth
annually thereafter until all the coupons
have been paid. ,
Not only can one thus provide for the
# death
fafbily during the period when
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 Americas Life-A x
hurt Comtany each member knows just
what he is paying for, just bow much he is
paying for it, just what he will receive,
and (if he continues to live) just when he
will receive it.
Bach member contributes the same
amount per thousand dollars to tiie
Guarantee Fund, and the same to the Ex¬
pense Fund.
' A* the end of ten (10) years the cost
'(yearly) is reduced $3.00 per 81,000.
Five yean later, at the end of fifteen
yean, there is a further reduction of $3.00
per $1,000 in the cost annually.
At the end of five yean more, l»eing
twenty (20) yean from the date of the
bond, the coupon payments begin.
The cost is greater than assessment in
aurance, because the benefits are greater.
The cost 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
$1^00 to $10,000 to acceptable applicants
between eighteen and fifty years of age.
. Under Whole Life Bonds the payments
of premiums continue during life, or dur
lug the time the bond is kept in force
After three years the bond may be sur
rendered fora paid-up bond of such an
amount as the accrued surplus used as a
single premium will purchase.
At any time, without re-medical ex¬
amination. Whole Life Bonds may be ex¬
changed for Coupon Bonds by payment of
Abe accrued difference in premia ms, with
iHa (8) per cent interest on the deferred
t.
at any time terminates all pay-
1 of premiums, **d the of the
It paid to the beneficiaries,
is but little more tin
aar time after three without
eest is a great deal lees thaa okHiae
the protection can be
i fpra gnat deal okHiae
Life Bonds will be in
' $ 1 , 00 # to $ 10,000 to
i-
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■ -V.'-'
X ¥ ss
»
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TOCCOA, HABERSHATl COUNTY, QA., FEBRUARY i, 1895.
THE TIMES
:z~
Dissolution of Co-partnership
We the undersigned, doing busi¬
ness under the firm name and style
of Simmons, 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. Brown, Jr.,
purchasing the interest of W. L.
Vickery, the firm being continued
under the name of Simmons &
Brown, assuming all the liabilities
of the late firm md collecting all
notes and accounts due the same.
J. B. Simmons.
B. P. Brown Jr.
W. L. Vickery.
Jan. 18, 1S95.
Grand Offer.
We arc enabled to offer The
Times and the Cosmopolitan Mag¬
azine both for one year at the low
price of $2^25. There is no-better
magazine in the world than the
Cosmopolitan. We guarantee that
you will be pleased. Try it!
Fruit Trees.
The Times has a large number
of fruit trees, vines, etc., whiefi
we want to dispose of at whole¬
sale rates. Address, The Toc¬
coa Times, Toccoa, Ga.
Notice to School Teachers.
The Times has for sale a blank
report of scholarship which all
teachers ought to have. They on
ly have to fill them out and send to
parents f6r their patrons to know
what children are doing at school,
are padded and put up in tabs
100 each for 50 cents or three
pads for $i.oo. Send for sample,
Times, Toccoa, Ga.
This paper and the Weekly Con
t j tu tion one year for $i.7^.~~ ~
_ _
^ Mosley received . , a letter ,
en
from one of his old friends in At
i an t a the other day which ran as
1 *"■“ Kitting
175 cents a da an three meals a
da and a fither beed to sleep in at
- - . , . ,
night. . Ben wrote him he had
betlcr stay there,
Of Interest to Old Soldiers.
Clarkesviile, Ga.,Jan. 28, 1895.
ks for Soldiers applica
who have been allowed
pensions, are noyv in my office,and
they' can call and'i-make their ap¬
plications when convenient. The
Blanks must be sighed before the
ordinary. I can make no appoint¬
ment at Tpccoa as there are only a
few in that vicinity, and they have
from now till the 12th of March to
make their applications. I will be
glad to wait on them any day they
will call. The widow’s claims are
all made out and I will send them
checks instead of having them
meet me for settlement.
W. D. Hill, Ordy.
Notice.
Those owing the firm of J. P.
Vickery & Bto., are requested to
come up and make settlement of
their accounts immediately and
save cost. J. P. VicKEny & Bro.
An idea of the size of the feet
posessed by a certain negro living
in the vicinity of the school house
can be gained from the following :
A foot-track left by him in the mud
on the corner of Pond and Savan¬
nah streets became filled with
water during the late rainy spell.
A small boy from one of the lower
grades in school, in passing, fell
into the water-filled cavity and was
on the point of sinking for the last
time when rescued. The city offi¬
cials have been filling in the
dangerous bole the past week.
Why not take out a life insurance
policy on your life. If you live
you can get the benefit and if you
die your wife will get it. Nothing
in the World so cheap as the Life
Annuity," described in
cetnmn. 1 "
Old rip*" for sale at this office
THE COTTON MARKET.
Hubbard, Price & Co's., Cotton Circular.
New York, January 2S.—A de¬
cline during the week of some 20
points, although followed by a re¬
action this afternoon, so that the
net decline is comparatively small,
is the natural result of an increase
in the crop movement during the
third week in January. For many
weeks past it has been considered
that when the movement of the
0
crop increased in the last week but
one in January, it indicated a larg¬
er crop than the trade had antici¬
pated. Therefore the movement
this week has created a feeling of
discouragement as pointing to the
possibility of the trade having to
handle a larger crop than 94 mil¬
lion bales at a time when trade con¬
ditions or rather the lack of specu¬
lation threw the entire weight of
the crop upon the cotton trade. As
these receipts of cotton increased
at a time when the decline in the
wheat market indicated the result
of an exhausted speculation, it was
assumed that it would be likely
that those who have for some time
past maintained their position in
cotton would be apt to part with
their holdings, as indeed some of
them have. Nevertheless there is
at a q times present in the market
an investment demand from parties
who, realizing that cotton is im
perishable and never loses grade,
are content to purchase with the be
lief that notwithstanding the
present depression which exists,
some time in the distant future
they will secure a handsome profit
by being the owners of cotton.
At the moment it is difficult to an
ticipate any causes which
al * out a chan g e sentiment, ex
a decision on the part of the
South c to reduce the acreage and ,
produce less cotton tor the coming
year.' The movement is upon such
a stfale that it require. ,h. pre^n,
buying demand to sustain the mar¬
ket. An active demand for export
is the feature of the situation, the
6tock of cotton at the ports of
America being less by some 200,
000 bales than it was in the short
crop year. This strange disposi¬
tion of the crop, with the large
supply in Europe and the compara¬
tively small supply in America,
may bring about sudden changes if
the acreage devoted to cotton is
materially reduced. On this point
it is as yet difficult to ascertain
what action will be taken by the
planters. A certain portion of
them will no doubt be unable to
produce cotton at the ruling prices
and will not furnish the necessary
advances to permit tenants to pro¬
duce a crop, but whether this re¬
duction will offset the tendency of
small farmers in the Southwest to
produce as much cotton as possible,
is the question which is now inter¬
esting the trade. In Great Britain
the low prices for cotton are at¬
tracting general attention, anti
many investments are being made
by merchants and capitalists in
preference to buying other securi¬
ties as they believe that on a basis
of the present price there are
greater chances in favor of a profit
upon-cotton than upon the invest¬
ments which they otherwise would
secure. In short the feeling in
America is bearish on cotton based
upon a large crop, while in Europe
it is bullish based upon a good
trade demand and low prices.
Bucklen’s Arnica Salve.
The Best Salve in the world for
cuts, Bruises, Sore6, Ulcers, Salt
Rheum,Fever Sores, Tetter, Chap¬
ped hands, Chilblains, Coras, and
all skin Eruptions, and positively
cures Piles, or no pay required. It
is guaranteed to give perfect aatis- Price
faction or money refunded.
2^ cents per be*. For Sale by W.
& J. Davis, Druggists.
We have the beat and cheapest
insurance ir the wide wide world
and you do tot need to die to
it either. Times office.
.
School Column.
Edited under the Auspiecs of the Toccoa
Public Schools.
J. LINCSAY FENNEL, editor in Chief.
Birdie May Jones, Homer Kennedy, Co¬
ral Capps, Harry Burgess, assistant editors
To Parents.
There are three parties compre¬
hended in the idea of a school—the
teacher, the children and the
parents or guardian. Each is an
important factor in the makeup of
the school, the parents as well as
the teacher and children. The for¬
mer as well as the latter, has
specific duties to perform which no
one of the other parties can dis¬
charge, and the execution of which
is of vital importance to the success
of the school.
We need not discuss the obliga¬
tions of the teacher. They are al¬
ready well known. The peda¬
gogue has the law pointed out to^
him ne$rfy every day of the year.
He receives suggestions as to how
to do it and how not to do it through
out the year, sometimes sufficient to
fill a good sized volume. Evfery
town has its experts on school mat
ters, who are regular Salomons on
the management of a school, so our
wants are already more than sup
plied.
But there is no one to look after
the duties devolving upon parents,
unless it be the teacher. Our pur¬
pose is occasionally in the School
Column to give a few hints to the
fathers and mothers of the school
children regarding their duties to
the teacher, but more especially to
t , xeir children as members of the
^ hool Wc do this i n the hope
flnd teHef of seC uring the parents’
ju ufff-W Tff
ag neyep before, that their boys and
girls • , are , taking kin „ full lull advantage advantage of o
their educational opportunities and
^ forth the best mental ef
forts in their power.
See that your child is regular in
attendance at school, not only day
after day, but month after month
and year after year. Start your
boy or girl when the school year
opens and keep them there every¬
day of the year. This sending
children an occasional few months
is of very little mental benefit to
them. It is only by keeping ever¬
lastingly at a thing, making it a
daily business, that we accomplish
our purposes in life, and it is equal¬
ly' true in the acquiring of an edu¬
cation. All can readily under¬
stand what effect .irregularity of
eating, the missing of meals for a
day or week, would have on the
body—just as disasterous is absence
from recitations*for a day even, or
a week upon the growth and de¬
velopment of the mind.
Encourage ir. your children
in attendance, in the
discharge of every duty. Tard¬
iness should be considered a dis¬
honor. It is one of the worst evils
which can afflict a school. The lack
of promptitude indulged in by a
child until it becomos a habit, is a
curse which may ruin its chances
in life for prosperity and happi
ness. “Bcliind time!”—fateful
words these to Napoleon, for in
them is the cause of his downfall—
Blucher was “too late.”
The teacher’s and pupils of Toc¬
coa Public Schools desire that the
Board of Education provide a jani¬
tor to attend to the buildings. We
also wish them to furnish the
Superintendent’s room with a new
coal heater. The one we now' have
warms the room very poorly. The
fitting of these wants will be great¬
ly appreciated by all.
Some boys ran away a week ago
last Sunday for a skate on an ice
pond about a mile from town.
The ice broke giving all a cold
bath. - They were nearly frozen by
the time their homes were reached.
but were (prickly revived by the
Warm reception administered.
One of the school hunted all
J.y ► holidays,
without killing any game. The
worst of his luck was that be did
not get any dinner except some
’simmons.
i % Whats in those boxes?” in¬
quired one of our school boys of a
town merchant. “Apples,oranges,
etc.,” replied the man, “and in
which is the etc.,” said the inquisi¬
tive youth.
A little six year old boy of our
town, spying Ilia sister's curling
tongs, thought he would curl the
kitty’s tail, as he had seen his sis¬
ter curl her hair. So with the
heated tongs he caught the cat’s
tail. The result can better be im¬
agined than described—burnt hair,
terrible squalling’ a scratched, bit¬
ten, and spanked boy.
Our Critic’s Eye.
“In his class Earnest' Deaton
takes the highest stand—6 feet—
School Column.”
Uh-hu thats nothing. lie stands
a ll over the “school column,” at
the head, at the foot, and all along
the line. But then he’s “chief
Editor.” See?
< t Our Cook has left u^.—School
Column.” “Did you ever,” and
it was before lie prepared break
fast too, was’nt it? Anyway it
was Earl(y) when he left.
The initial number of the“school
column” has been received, and it
is a real Good(e)Cook Green^F en
nel affair.
“One of the teacher’s said her
tongue froze during the cold snap.
—School Column.” “Wh-e-w-e
the school must be located near the
“North Pole who ever heard of
anything freezing before that was
constantly on the move? Bett.er
turn weather! out school during such severe
f
FACTS
For YOU
W« are ready to make estimates
for ail Kinils of First Class job work,
but especially are wo iMnrous of
pub Hshltig papers for fnHhlunls,
schools, colleges, etc., bosia0t doing
High Grade No Pamphlet shoddy work an liuute here.
Printing. Weivill books also and
be print printing guaran¬
tee to as neat as any
house can do. Let us hoar from (fa. you.
Times, Toccoa,
Cornelia
Special Correspondence of Tho Times.
The Cornelia Manf. Co., under
the supervision of P. J. Shore, has
recently purchased additional ma¬
chinery and will -soon put it into
operation. V /
John Asbury, esq., who recent¬
ly moved to this place from Clay¬
ton with a view of engaging in the
practice of law, is now in Atlanta.
Dr. J. A. Sutton, and family,
who has been practicing medicine
at this place, has removed to At¬
lanta. The doctor is a gentleman
and a skillful physician. He has a
ho6t of friends here who join us in
whistling him success in his new
Held of labor.
VVe learn from the Clarkesviile
Advertiser of this week that that
ancient city is on a boom and that
its metropolitan journal is looking
up. Some of the good people of this,
the Gate City of North East Geor¬
gia, would be under obligations to
the editoral staff of the Advertiser
if they would lend us their magni
fying glass to look at their boom
and to define same, also, how long
since the Advertiser began to look
up? We observed in its issue of
the 22d instant thstt its Demorest
correspondent announces that Prof.
F. J. Sibley, (not state emigrate
agent) has been instrumental in in¬
ducing 100,000 families from the
west to migrate to Georgia. Per¬
haps it is expected they are to be
equally distributed between Dera
orest and Habersham’s ancient cap¬
ital. If this be true it is no won¬
der the Advertiser is.looking up.
Section Master Hugh#-, who un¬
til the present week iifffc h* 4 v the
Cootelia division of thrB. R. & A
road in charge for some ^me, has
accepted a more lucrative position railroad
on the Georgia and Florida
The mayor elect of this city is fill
| place left yacant by Mr.
Hughe -v .. MaM&i-e*. - i* tfM i m ■ _ ■ X
•
NO. m
_____z-_".. Demorest.
Special Correspoadesce Tss Tuttz =«fips
t»
Willie Bangs met with a serial
accident at Hendrickson’s found)
Tuesday evening.
Mrs. A. Hajppton and child
are ex pec ted home Friday, to‘the
great delight of the cashier of the
Bank.
Prof. Lasalle, of the Normal®
school, was called home to M*r
ganton, W. Va., by the serious'
illness of his wife. ~
Mrs. Frazelle is a delegate to the
National Woman’s Suffrage Con¬
vention in Atlanta.
G. W. Walker, Mayor of Gaines-*
villc made Demorest a visit on
Tuesday. _
Rev. J. Borland and wife of
Cornelia, came to Demorest on
Tuesday, and while here rented
a house,preparatory to moving here
and making Demorest their perma-’
nent home.
Mrs * Frazelle gave a reception
to Mrs. Clara Colley, Editoress of
The Woman’s Tribune, Washing¬
ton, D. C. Mrs. Colley is a charm¬
ing conversationalist. All who”
met her were delighted with her
pleasant manner and cultivated
mind. At night she spoke to a
full house in the Bank Hall, on
% t Equal Suffrage.” She is a pleilt-'
ant speaker and carried her audi
enco with her as she produced *r
gument after argument to sustain
her position. After the close of :
the meeting, some sixty name* 4
were secured who will join an of-'
gamzation. Wednesday
Mrs. Colley spoke to the ladies on
“Dress Reform.”
Mr. Vati Gorder has sold his in-"
terest in the store recently pur-'
-£^L a . 8 . e A—^ H i m, toj. A. Reynolds,
The new firm is composed of Mr.
J. A.’ Reynolds and Mr. W, F„
Robinson. r * _.i 1
A Demorest Medal Contest WU
held by Mrs. Lettee, at the Level"
Grove Baptist church Saturday
night. The following young per-'
sons took part: Paul Ivy, Duncan
Robertson, W. Tomlinson, Ida
Letta Tomlinson, Mto-”
nie Morris and Samanthe Robert-"
son. Paul Ivy received the medal.
Great credit is due Mrs. Lettee for .
her interest in working up the
test. Alpha.
Tugalo Notes.
8)>eirlal Correspondence to Tax Times.
■
John Bowers of Rock Creek
heard a noise near the house a few
nights ago, he went to see what it'
was and found a man, whereupon he
shot to scare the man, whoran
John went the next morning tot
\vherq_ the man was standing and
found a sack of corn that he had'
stolen.
Tom Williford, of Rock
has got his horse back that w*#’
stolen some time ago. The how#
was found near Hartwell. I
George Bowers got his finger cut
off in a shingle mill a few day* ago.
W. A. Fowler,the editor of TlW
Times was in Tugalo recer tly.
Sheriff Gribblc of Toccoa, j
ted fi&nds and relative# at R
Creek Sunday.
A large portion of the wheat
oats in this community, has J
frozen out during (he cold snap.
Hustlkk.
Avalon.
Special Correspondence to Txa Tons.
Prof. S. Ben Yow’s school nui
bers about 60 students, he is a
teacher.
Col. A. N. King of Caraesvilfe,
was in town Monday on business.
Miss E. Smith of (his place was
married to Steven Payne of Cae*
nesville last week.
The Times is the best local
per that comes to this office.
A. Dernnan is all smites; it
large boy. " Fa*
Burl Smith and Miss
Randall were married last w«
C. Kel ley was hurt very
last week k by being
his mole.
E. D a Highftmith ba*
school at ■ GraVer.
Weary 8"
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