Newspaper Page Text
VOL. Ill*
INSURANCE TALK.
NO NEED TO
DIE
Tf TO WIN
W. A. Fowler, Agent tor
sham, Hart and
Counties, Agents Wanted.
1. Taid-up Values After Three Years.
2. Loans Made After Five Years.
3 . Premium Reduction After Ten
4. Annuities Paid After Twenty Years.
5. All Claims Guaranteed in Full.
G. Immediate Settlement After Proof
Death.
That old-line insurance costs too much
evidenced by the fact that companies
vertise to the world the payment of
claims from interest earnings aloil?.
That purely assessment insu ranee is un
certain is shown by the indetinitenesS
the contract.
While the people demand low premiums
they demand a definiteness in contract.
Both these demands are met-in the
plans ol the Ambeican Lute-Annuity
Company.
The premiums are graded according to
age, and tht promise to pay is plain and
unequivocal dud 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 as annual pre¬
miums have been made.
If desired, any time after five (3) yearn
the 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 death occur during the first
twenty ( 20 ) years of membership, the
amount of the face of the bond ffi is paid to
the designated beneficiary full and im¬
mediately.
To each bond is attached ton (10)_
pons, each calling for payment of one
tenth U- 10 ) of the face of the bond, the first
one maturing twenty ( 20 ) years from date
of^ond, 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 fall
amount named in its 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 benc
ficiary.
Thus the member himself, if Uving at
the end of twenty ( 20 ) years, will “receive
one-tenth ( 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, hut
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 Lifb-An¬
nuity Company each member knows just
what be is paying for, jest 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 S3.00.per 81,000.
Five years later, at the end of fifteen
years, there is a further reduction of 83.00
per 81,000 in the cost annually.
At the end of five years more, being
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 cost is-less than old-line insurance,
because the benefits can be given for less
than old-line companies charge.
Twenty-Psyment Coupon Annuity
Bonds will be issued in emounts of froc#
81,000 to $10,000 to acceptable applicants
between eighteen and fifty years at age.
Under Wl»le Life Bonds the payments
of premiums continne during life, or dur¬
ing the time the bond is kept in force.
After three years the bond may be sur¬
rendered for s paid-up bond of such sn
as the accrued surplus used as a
atagte premium will purchase.
AS aay time, without re-medical ex
, Whole Lite Bouda may be ex
chaaged for Coupon Bonds by payment of
the accrued difference la premiums, with
six (6) per cent Interest' on the deferred
Death at aay time ter minat es all pay¬
1 , aadthe ed die
baud is paid to the
Tbe cost is but little
hut the
■ r, as the
The eoet is a great desl 1 leaa thae atrt H.wr
the
deal
'■...% .
.
lit ^ •-••
'
ARY 8, 1895.
THE TIMES
“ In many colleges a certain time
of each day is set apart for
study df the lessons to be rented
the following day. j
This is of course not practical
public schools where thelpupils
under the supervision of
after school hours. Soi we
teachers in the Toccoa
School most earnestly ask the co¬
operation of the .parents irt the
ter of home study.
In all grades above - the 5th
pupil has three home lessons
require at least three hours
and, to make the work easier,
would suggest that a part of it
done in the aftern'oon, and the
mainder at night, so as to give
for recreation.
The reason for the necessity
home study is clear, when we
member that the public, school
sion is only five hours long, and is
occupied almost entirely by recita¬
tions.
In the old-fashioned.( all-day
schools where children were con
fined till the nervous system,health
and mind were overtasked, there
was time for all study during the
session but very little for the re¬
creation necessary to vigor and
strength in mind and body.
Everyone certainly sees the ad¬
vantage of the improved system
ow* the old, and if all parents
would give their personal attention
to this home study, and set aside
certain hours for it,so as to make it
systematic, the progress of pupils
would be so much more rapid that
its importance would be seen and
insisted upon.
Again children readily become
in their work if their
parents show an interest, though
pupils seldom realize the impor¬
tance of study, until they come in
contact with the world. ,
In the business and social reta¬
tions of life, shwell trained and cul¬
tured mind is »qro to lead, hence
we should try to impress upon
children the importance of the self
reliance gained almost entirel
school work well done,
This paper and the Weekly Gon
stitution one year for $1,751
One of the most attractive
features of the Cotton States and
Internationl Exposition will be
the reproduction of the World’s
Columbian Exposition in minature
by Mr. G. W. Ferris, the builder
of the Ferris Wheel. The great
World’s Fair will be reproduced in
its entirety .complete in every de¬
tail, on a scale of 1-140th. This
makes the Manufactures and Lib¬
eral Arts building about ten feet
long, and the whole Exposition
seventy-five feet long. The ma¬
terial is white holly, and the
workmanship exquisite, The
electrical effects will be perfectly
reproduced, and the smallest
lights ever 6een will be used in
decorating the various buildings.
Search lights will be shown on
the battle ship anff the. various
buildings, the intramural railway
will be seen with cars in motion,
the whale-back steamer will be
seen arriving and departing, and
Lake Michigan will appear in the
distance. By electrical and me¬
chanical effects, sunrise, daylight,
moonrise, and the white city by
moonlight, will appear in succes¬
sion. The Miniature City is deco¬
ra \ed with all the statuary and or¬
naments that applhred in the orig¬
inal.
Wby not take out a life insurance
policy on your life. Tf you live
yon can get tbe benefit and if you
die your, wife will get it. Nothing
in the world so cheap as tbe Life
Annuity, described m anotbeg
I##
THE COTTON
Hubbard, Price & Co’s., Cotton Circular.
New York, Feb. i.— The rap¬
id depletion of the gold balance
the Treasury, through the return
of securities from Europe, based
upon the idea that the United
States Government was going on
a silver basis, has practically
shadowed any events which have
happened to influence the price
cotton, and the cotton market
the week has been practically
trolled by the varying
which have been reported
ing the finacial situation of
Government. It is no doubt true
that the alarm in Europe has led
to purchases of cotton here by
porters, who have felt that a6 cot¬
ton was used principally in
remittances of cotton in place
remittances of gold would pay
the securities which have been re¬
turned from Europe. These pur¬
chases have had the effect of ad¬
vancing this market, and each im¬
provement has created fresh alarm
on the part of the short interest
and led to buying for that account.
These purchases have been filled
'by Southern sellers’ who have up
to the present time held their cot¬
ton tenaciously, but now appear to
be willing to meet the market
anb to sell freely on each advance.
The recent severe weather in the
Mississippi Valey’ and Texas
shonld have the effect of curtailing
the movement of the cropTn those
sections of the country, but the
Atlantic States appear now to be
willing to dispose of the cotton
which they have held during the
entire season, witter freedom, and
the movement at muse ports shows
no diminution, in tact, . . a compar- r
ative increase over the previous
weeks. The amount oi cottou
coming in sight each day is simply
overwhelming as compared with
the movement of last year, and
shows a constant increase upon the
movement of 1&92. W^.ure ^'hen now
approaching a time tips
movement must tall off, or else the
crop will exceed the estimate of
9,50o,cxx>, which has been current
for so long a time. We are also
nearing the period when the ques¬
tion of acreage should be an
tant factor in controliqg values;
but there is as yet no positive indi¬
cation that the acreage will be de¬
creased to the extent which mer¬
chants have been led to expect.
Of course if prices keep low
throughout the planting season the
disposition to - raise more corn and
less cotton will become marked,
but at the present time there is no
po^ti^e movement towards a sharp
decrease in acreage. Uncertainty
regarding the financial legislation
of the country naturally prevents
any material change in values, as
most of the transactions are in the
nature of liquidation of out-stand¬
ing interests. It is, however,
noticeable that^ throughout the
country business is improving, and
Congress will follow the advice
Mr. Cleveland, the United
States is ready for a season of
prosperity . such as it has seldom
witnessed. On the other hand, if
no action is taken it goes without
saying that a loss of national credit
means the same to a nation as the
loss of individual credit to an indi¬
vidual, and that the amount of for
capital which would be withdrawn
from this country in consequence
of our failure to maintain our ob¬
ligations on a gold basis, would
mean that every producer would be
in the same position that the pro¬
ducers of Mexico, South America
and India are to-day, namely, de¬
pendent upon -a fluctuating Cl
change as the value of the products
of the farm. So lofeg as this un¬
certainty continue* it is useless to
discus* the cotton question, as so
<»« will enter into,fresh engage
I*-
the maintenance I of this
upon a gold standard so long
the President can sell the
tions . of „ the , United _ T States at ,
and we have his assurance that
will carry out tjhese laws.
fore we do not expect any
upon gold. /
Demorest.
Special Correspondence to The Times.
Everyone who attended
Washington’s birthday
ment given last year by the
of the Congregational church
be glad of an opportunity to
ronize them again this year.
grand good time is assured for
on the coming 22nd of February.
Look out for further announce
ments ’
Mrs. D. J. Starkweather, Supt.
of the department of legislation
and petition in the county and lo
cal W. C. T. U., is circulating
petition asking .. that . the . pie , of r
liquor be prohibited on the grounds
of the cotton states exposition.
Copies of .. the petition . , will ... . be e round .
in the stores of D. J. J Starkweather
& Co., and J. C. Rogers & „ Co.
Mrs. Starkweather is also circula
ting 0 the poly r J glot 0 r petition soon to
be presented to the governfnents 01
the world. C.
Eastonollee.
Special Correspondence to The Times.
Farmers are putting in rail-road
time plowing.
The cord wood business is engaging
the attentiop of several people about
Eastonollee just now. ^
Mrs. Bashaba Whiten is in very fee¬
ble health at this writing.
Miss Carrie Farrow ret nrned Tues
day from a vishjitfong relatives near
Bowulun,
ized A debating at Eastonollee society Academy, lias been which
meets _ every „ Saturday ■ , night. , .1
TJ|en , ^ g. Kry
son’s last Sunday night.
Three jury cases are docketed for
trial in this wolf-pit district the fourth
Friday in this month.
Prof. Bushahasa fine school at Union
il ill, also Prof. W. S. Morgan has a
good school at ( Eastonollee Academy.
Several of our citizens Went to Carnes
ville the first Tuesday.
As this )s our first visit to 1 he I iMK-s
e will take Webster’s advice.
Country Cracker.
-
EDUCATION
Will be the subject for discussion
by Hon. G. R. Glenn,State School
Commissioner, at Lavonia, after¬
noon and night, Friday, Feb., 8th,
1895. The Governor and others,
of Georgia’s best educational ora¬
tors, are invited to be present.
County School Commissioner, L.
J. McConnell and Dr. T. B. Bon¬
ner will participate in the exer¬
cises, and it is hoped that this will
be the most brilliant event Frank¬
lin County has ever witnessed.
Coine, Everybody, and bring
friends and children, and which enjoy
this grand educational treat,
will be Free to all.
We received the above from
Prof. Herbert Bailey together
with an invitation to attend the ex*
of his progressive school
v^iich we would be pleased to do
business engagements permit.
Lavonia Normal School and Com¬
mercial institute is doing great
good for Franklin county and sur¬
rounding country. The school
is well patronized, the number of
scholars now in attendance is 138.
Prof. Bailey is an educator of wide
reputation and we are glad to note
the great success attending this
school. 1
__
Mr*. Emily Thorne, who reside*
at Toledo, Washington, says she
has never been able to procure any
medicine for rheumatism that re¬
lives the pain so quickly and effect
ually as Cliamberlain’s Pain Bain
and that she has also used it fo:
lame back with great success.
For sale by'W. H. and J. Davis.
Druggists,
If you want Quod Loaf Breai
get it from the new Bakery*.
Livery Stable,
HiteKe. O*
day
j School Column.
*
.
* Edited ; under the Auspices of , it the _ _ Toccoa
. public Schools.
r J. LINDSAY FENNEL, editor in Chief.
1 Birdie May Jones, Homer Kennedy, C<>
ral Capps, Harry Burgess, assistant editors
I Love You.
To my Teacher, Miss Mamie T.
8o x do de „ bat> no bluih nee<]
arise,
** or low d roo P ln 8 Mds veil your
It> , hftrdly worth whUe for your pulse
to be stirred,
A utter8 the wings of a bright hum
nU»g bird,
For ’ as ,oves what 18 lovoly anJ
Love’s one that is gentle, yet strong to
epdure, >'• ,
* assure you that this, is the love, true as
true,
Which,-willyou accept it? I offer to
you.
I know you’re unselfish, and putient
with us,
Your pnpils, who try yon with lessons
and fuggi
And we hope you’ll continue thus loving
aud kind
Seeing always the good, to the bad rather
blind
So os you pass on „ through , this sad “vale ,
of tcars> . j
May love shed its glow o’er the swift
coming-years,
Your pathway have more of the “shine”
tbttn the «„i,ady,”
Is sincerely the wish of your friend,
Mary Ada.
P. S. Those last lines don’t jingle, but I’m
hurried to-dh.v,
My lessons unlearned, and— I want a
good play.
Please don’t mark “imperfect,” excuse
the rough rhyme, ’
And I’U try real hard, to do better next
time.
MAry Ada Fennel.
Our good friend John Simpson,
the sexton of the Presbyterian
church relates quite an exciting ex
p er j cnce He spoke as follows:
‘T went to the church 4 and made a
in one of the stoves. After it
got to burning very brilliantly I
happened to look on the other side
of the church and gaw my V!'
1 T thought , , it . was a ghost , , and . T I must .
confess I was almost frightened to
death. I made for the door with a
rush, you bet, and was shout to
take j baU wh<m j discovered
what lt wa8 ’ We have heard of .
people getting frightened at va
rious things, but never before have
we heard of anyone being so ugly
as to get frightened at fhemselves.
We have but four Bright chil¬
dren in school.
The friends of Earnest Deaton
will be pained to learn that he has
■topped school. On Monday he
as teacher of the Old
Law Ground school, a few
miles from town. We wish him
abundant success in his work.
Our school keeps Loden up with
new pupils. Postel entered Mon¬
day.
Howdy, Ed Bryant. Glad to
see you with us again.
Charlie Burton, while chopping
wood last Saturday evening made
a miss lick, the axe glancing and
cutting an ugly wound in the side
of his foot.
Ohe of Toccoa’s bright, and
promising boys has abandoned
cigarette smoking. We hope he
will be a model to the younger
ones’ who are very numerous in
Toccoa. He quit very easily, also
gained 18 pounds in two weeks.
Advise for the Class.
Dear Miss Wen the teacher
calls up the class jump up and
down in yer seat and run a race
widyer des-mate tryin to git to the
class-seats fust.
If you can’t git to set by John
jr Henry set down by Jane or So¬
phy or Mary Anne.
Put yer book up before yer face
md whisper to the gal nex ter ye
hat Henry is gwine ter cultervate
1 mousetash or thet John has a
aooJ y Alw>i,c * f, - v
^ v-sij niirc liiuiic*
* ■: ■ ■
mm
tumfied and m
the one nex ter ye and ’ *
ye hold up yer pawynj try^fl
If the teacher
somethin on the base-k
pay no attensbun but ti
ertdnity to^ye about to whisper feller to fer t.b£|| ye^ jf;
yer
that tfrfll intarest her. Wei] Iniff
teacher axes somebody at
end |ff the class sumthun, l._.
finger at the rite place in the
and hold it behind spmefei
back and see the anshwer and tl
wftve yer paw tip in the air.
If thej,'teacher’s attensbun hi
pens to git divirted, open yer he
4hd see what nex questhion is. i
Ye mite rite’ yer lesson off (' r
tablet and take it to the tlasi
ye but thet’s a little risky.' ^
If the teacher happen#
ertunltyto his hty^Ab^&hure whisper to about take the 1
yer II Kg
ler. If ye happen to git to
John, set up very strate and sn
very swately and folk time
about how you enjoyed the 1
party we had, and say how h»
you want to go to the nex pa
but ye havent any body to go t
ye, and, if he’s the youbg ginl
man ye think he is, he’ll be »h
to ax to eskort ye.
If the gal on tother side ol
gits to talkin to him coff and l
yer feet on the floor and try
the tiacher to look and m m
talkin so’s she’ll git a demur
Hold yer fan Up befow
mouth and laff and whispet
improve every opertunity yt m .
git.
Be sure to take my advl
in the course of abou£ t'
years yer edification will be
plilete. Annib Ke'ni
'
The Discovery 5 aved His
Mr. G. Gailiouette, Dr
Beaversville, Ill., says
King’s New Discovery I 01
life. Was taken with La <
and tried all the phyticia
miles about, but of no
was given up and told I coul
live. Having Dr. King’s
Discovery in my store I sent
bottle and began its use and
the first dose began to g
and after using three bq
up andsbout again. It is w
weight in gold!. We won'
store or house without it.”
free trial at W. H. & J.
Drug Store.
nt. Airy. -
Special Correspondence to
Capps & Kimsey, a
Dry Goods firm of this pls<
desolved partnership by
Mr. Kimsey w
to business at the old Pey
Robert McConnell is fp
Capps’ business here b6m m &
B ruce McCubbin, Exprei &k
Demorest was over in c
Sunday visiting his. best gi
Col. P. J, Shore of (
was in the city Saturday $
Mr. C. M. Webster of (
ville took the midnight I
this place Saturday night J
ville, N. C. t *5 m
M. C. Wilcox visited J
last week. The colonel
good news and glad
that city. tf-Iy
R. F. Shore and W. €
Cornelia were visiting
Sunday.
Gresham k Dodson
commence work on the id
the Mt. Airy Iftn, when fi
will be the hand 1
north-east Georgia,
just completed
Dairy.
Dr.
will h