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The Manning times. [volume] (Manning, Clarendon County, S.C.) 1884-current, 1915-07-14
PUBLISHED EVERY WEDNESDAY
III. APPLET,
EDITOR AND PROPRIETOR.
MeIauais ANSWERS #aIrRgs CHARGES

Office of Jno. L. McLaurin,
State Warehouse Commissioner.
Columbia, July z, 1e45.
70 the farmers of South Caro-,
lina:-My attention has
been called to the following ar
ticle, published in ''The Insur'
ance Field" of July 1st:
ssNew York, July 1.-(Spec.
iaI. "A most peculiar state OF
case has developed in connec-
tion With the insurance on the
cotton warehouse maintained by
the State of South Carolina. It
will be recalled that the South
eastern Underwriters Associa-
ton recently issued notice tina t
the 10 per cent reduction on
warehouses under the supervis-
ion Of the State was being abus-
ed IN that in a number of cases
barns and farm buildings in the
country disticts without any di-
rect supervision were being Civ
zen advantage of this reduction.
Companies were accordingly ad-
vised that the reduction was to
apply only to warehouses in
cities and towns under direct
supervision Of the State Ware
house Commission.
"The peculiar feature of the
situation is that politics has
been injected with the result
that the State Warehouse Com
mission is reported to have turn
ed the business over to a firm of
New York brokers to place at a
rate OF ] IA per cent IN author
lied companies. 1t is regarded
as astonishing that a State with
such an active insurance depart.
mens should be party to such
ifiaoal insurance.
s'The South Carolina legisla-
ture at a special session last
wear enacted a law authorizing
The Manning times. [volume] (Manning, Clarendon County, S.C.) 1884-current, 1915-07-14

familiar. with condltlcnS IN the
country knows that in case of a
fire all that you have to do is to
blow the horn or ring the plan
ftatlon bell and all the hands and
the neighbors come, and I don't
know in all my experience of a
|serious cotton loss in the coun-
try from FIRE,
Another thing: Everybody
agrees that the moral risk IN
insurance is one of the heaviest
expenses that has to be dealt
with. The kind of skunks who
burn up their property for in
surance do not live on the farms.
They are distinctly a town pro-
duct. During the hard times
last fall and winter, how many
cotton fires did you hear of in
the country? There was one
night in Columbia when one IN.
occupied house between mid
night and day were set on. fire.
Of course that may have been a
coincidence, but certainly if such
a thing as that was to occur in
State Warehouses would make
an investigation and never pay
a dollar of insurance to anybody
until I was satisfied that it was
an honest fire. The moral risk
is almost completely eliminated
under the system of insurance
pracsiced by the State ware.
house. The insurance IS in my
name, and if a fire was Of sus:
picious origin the company could
pay it over to me, and you can
rest assured that I would have
to be satisfied before I paid it
out. The trouble with these
people is that the Southeastern
Tariff Association is a complete
monopoly, and they want to
make this country cotton and
other property in the country
pay a very high rate of insur-
ance in order to give a cheap
rate to those living in the town.
I am authorized under the act
to make direct arrangements
about insurance, and if I were
entirely confined to South Caro-
lima the Southeastern would
have the State Warehouse sys-
tenn by the throat, just as it has
all OF the other property in the
State. I am heartily in favor Of
the proposition made by Mr..
McMaster to drive out of the
State this gang of marauders,
who have exploited without re-
sistance a long suffering public.
They drove the insurance wolves
from Texas, and they had to
come hat in hand and beg to get
back. I think Mr.. McMaster un-
derstands the situation, and [
The Manning times. [volume] (Manning, Clarendon County, S.C.) 1884-current, 1915-07-14

could not escape their tentacles.
I have not insured in a single
company without consultation
with Mr.. McMaster, and to a
very large extent I have been
following his advice. I nope that
when the legislature meets next
winter it will give Mr.. McMas-
ter support, because I think he
understands the situation.
Respectfully,
JOHN L. MCLAURIN,
State Warehouse Commissioner.
Insurance Department of S. G..
Columbia, S. c., July Z, 1915.
Hon. j. L. McLaurin,
State Warehouse Commits.
sioner, Columbia, S. G.
Dear Sir: Referring to our con-
versation over the phone yester-
day it gives me pleasure to say
that from time to time yourself
and representatives of your
Office have discussed with me
various matters connected with
the insurance of the State ware
house. You have inquired about
companies. their assets aud liza
b.lities md invariably have
asked whether or not this, that,
or the other company in which
you were considering placing
insurance was licensed in the
State.
Your department has never
so far as I know proposed piac
ing insurance in unlicensed CON-
panies, and certainly it has not
paid or rendered payment to this
department of the three per
cent tax on premiums required
to be paid on insurance placed
in unlicensed companies, as pro-
vided in section 20, Act 800, Acts
1912.
I feel sure that your depart.
ment would not willingly violate
the laws of the State. The fact
that you have not paid this tax
or rendered payment OF it will
be evidence to me that your de-
partment had not placed any in
surance in unlicensed companies
Complying with your request,
I am herewith a copy of the bill
to Create a State Life Fund, the
Granting of Annuties. This bill
has no reference to fire insur-
ance but is not distant in pcin-
ciple from the method so sue.
cessfully pursued by the State
of South Carolina in carrying it's
own insurance on public build
lngs.
Wishing your department
every success in the world and
to cooperate with you
in any way possible, I am,
Very truly,
F. H. McMATER,
Insurance Commissioner.
The Manning times. [volume] (Manning, Clarendon County, S.C.) 1884-current, 1915-07-14

to a firm of New York brokers
to place at LA rate in unauthor-
lied companies" is absolutely
untrue, and I defy them to name
the firm of brokers.
Every effort has been made by
these vampires to find out how
I was placing this insurance.
That is my business, and l do
not propose to tell them.
Such reckless lies should show
fair minded men that it is malice,
inspired by greed: and worthy
naught but contempt.
The article makes a statement
that "the banks dc not regard
the State Warehouse receipt as
being altogether satisfactory" :"
In reply. I beg to say that it is
only those banks who have not
taken the trouble to go into the
merits of the system. When I
wanted TO finance the State re-
ceipts I went to banking institu-
tions-not to pawn broker shops.
Mr.. W. P. G.. Harding, of the
Federal Reserve Board, gave me
letters to six of the New York
banks, in which be commended
the State Warehouse system of
South Carolina to follow: "It is
far in advance of anything yet
attempted and a model for the
ott.er States to follow" Every
banker to whom I explained the
system gave it his unqualified
approval, and 1 have not re-
quested a loan upon State ware
house receipts wherein a single
instance it has not been granted.
I have been very patient about
this matter of insurance and [
have wanted to work through
the agents in the various towns,
because l know that personally
they are an intelligent and
good set of men. But I have
found it impossible, on account
of the excavations and the ar
rogant methods Of the hydro
headed monopoly: for whom
they are working. I realize the
power of the monopoly, purpose
ly framed the State Warehouse
act to escape their greedy
clutches, and I am glad to find
that the State of South Carolina
is not so entirely enmeshed in
in the CALLING chains of this
abominable trust as to be entire
Ly helpless.
The fling made in this article
at Mr.. McMaster, our insurance
commissioner, evidences the ar
rogant contempt they feel for
Ill who do not bow in submission
10 their will. I have the power
ander the law to insure in rep
atable companies when and
where I please. Otherwise Il
The Manning times. [volume] (Manning, Clarendon County, S.C.) 1884-current, 1915-07-14
he establishment of bonded

the eSta bllShment or oOnoeo
warehouses ander the supervls'
ion of a State commission with
the idea that this would enable
the farmers to get cheap stor'
age rate and satisfactory Dego'
table receipt. 1t is understood,
however, that the banks do not
regard the State receipts as be,
ing an altogether satisfactory
security as the State cannot be
held responsible in case Of
:troable. )"
LIDO not think that this article
was meant for circulation IN
South Carolina, but was proba.
bly, intended to be handed around
in New York to injure the State
warehouse system by casting
doubt upon the safety Of our
methods of insurance. I never
heard Of the paper before, and
while the special is dated from
New York, it bears every ear
mark of having come from Co.
lumbia, South Carolina. Nearly
every statement in it is false, as
I will undertake to show, and it
is a cowardly underhanded at
tack which I would not notice
except for it's circulation in New
York City.
The charges are as follows:
1st. That cotton is insured IN
barns and outbuildngs not
under the supervision of the
State Warehouse system.
2nd. That politics has been
injected into the system.
3rd. That the insurance bus
mess has been turned over to a
firm of New York brokers to
place at l IA rate in unauthor-
lied companies.
Each and every one of these
statements are absolutely false.
The design of the author of this
article IS evidently to prevent
the storing of cotton in the coun
try. A warehouse in the coun.
try is just as much under my
and as carefully
guarded, as warehouse in the
town. When we inaugurated
the system they were charging
three dollars and a half per hun
dred on cotton stored in the
country, and one dollar and sew
enty-fve cents on cotton stored
in a fourth class town-this,
when the construction of the
warehouses and the protection
against fire were exactly the
same. In fact, cotton stored in
the country is in less danger,
and should a fire occur tits more
easily extinguished than in a
fourth class town where there
are no water works. Any one
The Manning times. [volume] (Manning, Clarendon County, S.C.) 1884-current, 1915-07-14

am writing this letter in the
hope of arousing such a. public
sentiment that the Legislature
will be forced to give them the
support which he deserves.
AS to the "unauthorized com
panies,'' the certificates which I
append from Mr.. McMaster is a
complete answer. I haven't got
a dollar of insurance in any COM
pany not authorized to do busi-
ness in South Carolina. Further.
more, the warehouse system did
not get into operation until after
the most of the cotton was stored,
practically January 1st. The cot
ton which we have was-all of
it. practically, already insured
by the Southeastern. If they
could insure the cotton, why not
other companies? We have re.
ceipts showing that the South.
eastern has been insuring cotton
at one dollar and fifty eight
cent per hundred since we Sc
cured the reduction. If. we have
succeeded in breaking into the
tightest monopoly that exists in
South Carolina, to the benefit of
the public, whether they are IN
the State warehouse system or
not, l think that We are perform
ing a valuable service to the peo-
pie of this State, but I am not
surprised that they spew their
slanders and venom on the State
Warehouse system.
2nd. l would like to know
how politics has been injected
into the system. Certainly not
by the State Warehouse COM
missioner. I am far more deeply
interested in this system than
anybody else on earth. I have
not and never will use it to
further any political ambitions
of mine or any one else. In fact,
if I have any political ambitions
I am not conscious Of them.
There was an effort in the legis-
lature, by personal and politi.
cal attack on me, to destroy my
system. This utterly failed, and
/ have no idea that it will be re.
newed, even by the men who
fought US last winter. I know
most of them personally and
have no bitterness whatever to-
wards them, because I realize
that the State warehouse system
was a revolutionary proposition,
and it was not unnatural that it
should be strenuously opposed.
I do not propose to renew the
fight, but if l an attacked I Will
defend myself, just as I did last
winter. But somebody else has
got to hit the first lick,
3rd. The charge that the
business :'has been turned over
The Manning times. [volume] (Manning, Clarendon County, S.C.) 1884-current, 1915-07-14
EoW'S This Z

We offer One Hundred Dollars Reward for
any case OF Catarrh that cannot be cured be
Halls Catarrh Cure.
F.J. CHENEY & CO., Props, Toledo, o.
We, the undersigned have known r. j. Cheney
for the last Is years. and believe him perfectly
honorable in all business transactions and fnan
ciaily able to carry out any obligations made by
their firm.
WEST & TRUAx, wholesale druggists, Toledo, o.
WALDING, KINNAN & MARVIN, wholesale drug.
gists, Toledo, o.
Halls Catarrh Cure is taken internally. acting
directly upon the blood and mucous surfaces OF
the system. Price 75c. per bottle. Sold by all
pruggists. Testimonials free.
Halls Family Pills are the best
The Manning times. [volume] (Manning, Clarendon County, S.C.) 1884-current, 1915-07-14
Piles Cured in E to Il DAYS

Your druggist will refund money il PAZo
OINTMENT fails to cure any case Of Itching,
Blind Bleeding or Protrudin2 Piles In 6to days.
The frst application gives Ease and Rest. Soc.
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1915-09-19
BRISC0E -FOUR AND EIGHT
FOR 1916 NOW ON DISPLAY
Both Models Are Fully Equipped and
Electrically Lighted and Started.
AttrnCtiNc Cars.

Have you seen the 1916 Briscoe ?
Then you will want to sec it at the
local show room
The Briscoe this year comes as a
four-cylinder and as an eight Ac-
cordinS to the conservative Judgment
of people who are usually well-in-
formed, the 1916 Briscoe models are
the best ever offered the public at less
than $3.50. Indeed, the Briscoe Four
is offered, fully equipped and cleo
trically started and lighted. at $3.50,
while the eight-cylinder car sells at
$3.50 Both motors. four and eight, arc
rated at thirty-eiSht horsepower. and
the wheelbase is ia inches. Unlike
other makers who place upon the mar
ket tours and eights of varying me-
chanical features. the Briscoe uses
only one chassis. the only difference
being in the power plants
The new four-cylinder motor of the
Briscoe differs radically from the unit
power plant OF last year In size and
power. as we'll as in mechanical de-
tails; 1t is described a "a brute for
power" and the remaining mechanical
units HaNe' u course, peen assigned 10
take care OF the greater power output.
The eight-cylinder Briscoe motor is
really an old idea Of Benjamin Bris-
GOES. who has been working on 1t for
more than a year. developing II leis-
urely so that 1t has been possible to
eliminate from its design whatever OBJ
jectfonable features may still adhere
to other eight-cylinder constructions.
The Briscoe touring car, it is said, is
the utmost perfection of a stylish and
comfortable e-passenger touring
car. compact, with surplus poweri ton
neau OF unusual depth and plenty OF
leg and elbow room. The weight Of
the power plant, transmission, and
body appointments is SO carefully dis
tributed as to eliminate all side mo-
ton.
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1915-09-19
AUTO SHOW TO FEATURE
VIRGINIA STATE FAIR
Prominent manufacturer Snys No More
Timely Occasion Could he
Chosen for Display.

With the Virginia State Fair only
n few weeks off local agents arc plan
ming for elaborate displays OF their
cars and accessories. 4 prominent
manufacturer says:
The idea of complete automobile
shows at State Fairs is an excellent
one. There is no class of people moro
interested in cars than farmers No
ilore timely occasion could be present.
cd 70 the farmer to see and compare
the new models than at the fair.
"Of course there are the big auto
mobile shows in midwinter, but they
are no: always easily accessible to the
farmer and Furthermore. the farmer is
not usually in car-buying frame OF
mind at that season of the year.
And it must be confessed. too, that
very little is exhibited at the mid
winter shows that has not been on the
market for some time. August being
the month selected by most manufac-
turers for introducing new models. Thus
State Fair show can offer more that
Is really new than the regular winter
shows.
"All signs indicate unusually close
interest in 1916 cars. most of which
will be seen at the Virginia State Fair.
and no one Will inspect them more crit
ically than the farmer He will not
only be immensely attracted to the i'm
provements in looks and comfort. but
will see more value for his dollar than
ever before.
mechanic. he is going to quickly dis
tingush between the worthy and the
otherwise and will not be deceived by
good lines and good paint-he will go
deeper than the surface in making his
choice"
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1915-09-19
A WASTE OF MONEY

Some people claim that thousands of
dollars are being wasted every year
in unnecessary advertising to- educate
the public. Here's a little story that
seems to point the other way.
One of the service men of the will
lard Storage Battery Company tells
about n car owner In section that's
supposed to be civilized, who brought
his battery into town in a sack, on
wagon without any springs. He
dumped the battery out on tho cement
floor with a bang. When the repair
man suggested that he be little more
careful, tho farmer said. why should
box filed with electricity need any
care?"
That was his idea of storage bat
tery-no thought OF care. no idea Of
Its delicate construction. 1t is under
stood that the Willard Company has
not found many cases like this since
1t began making car owners acquainted
with facts.
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1915-09-19

with an aerial on tho roof Of the
building. and by stepping the alternat-
ing current up from 10 volts to $4,000
volts. the apparatus made il possible
to send messages 800 miles
The Overland, car exhibition at
the fair grounds was fitted up with a
receiving apparatus and the necessary
automatic switches and relays for
throwing on and off the electric cur
rent OF the starter and magnetic An
automatic switch was regulated SO as
to allow tho car to run for forty-nve
seconds. after which tho magnetic was
cut off. Tho operation of starting the
car was repeated at hvc-minute inter
walls.
One OF the most interesting features
OF the experiment was the fact that the
entire operation of starting the car
was accomplished without the aid Of
human hand 4 time switch, in
stalled in connection with the wireless
outfit in the city, controlled the entire
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1915-09-19
ELECTRIC PRICES REDUCED
Doubled Production OF Detroit Elec-
tries Cnuses Lowered


\ sensation was created throuchout
the entire electric car industry when
the Anderson Electric Car COMPANY
announced August IL that the new
prices on their 1915 models would
range from sla75 TO s2275. Although
from time to time there have been low
priced electric cars placed on the mar
ket. the Detroit Electric is the first
high grade car to make any material
reduction in price. Notwithstanding
the fact that the reductions run from
5000 10 S72o the quality OF these cars
VIII not be cheapened In the slightest
particular" declared ". G. Anderson
president Of the Anderson Electric Car
Company. "1n fact, for 1916 Detroit
Electric cars embody a number Of re-
hnements typifying the latest prac-
tees In automobile engineering
Many OF these improvements are eX-
elusive with us. These 1916 Detroit
Electrics typify the experience gained
during nine years OF building the finest
Quality electric enclosed cars pro-
duced. 1t has been found necessary to
double our production In order to meet
the demands our dealers have received
and this greatly increased production
permits OF SO many marked economies
that we have been able to put into eff
feet these >lower prices without de-
parting from the high standard OF
quality that Detroit Electric have long
been noted for"
Another noteworthy change in the
policy of the Anderson Electric Car
Company for 1916 is the adoption OF
the one chassis basis production.
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1915-09-19
FARMER Is A SHREWD
AUTOMOBILE BUYER
Country Man "Must Tie shown" Mt All
Times, Snys Dodge Brothcrs'
Official.

When the farmer buys motor car
ne has TO be shown" says a sales
executive of Dodge Brothers, Detroit
lie doesn't take anything on say SO.
And no particularly searches for the
hidden quality. The average city man
is very strong for looks and design.
but only In rare cases is he possessed
Of much knowledge Of mechanics. and
then. too. he is schooled In the pro-
position that even If something goes
wrong with his car IL is only a step
TO q garage.
But the countryman adopts an en-
t!rely different attitude when he buys
car. He, is usually motor wise. He
has been operating his farm machin-
cry by gasoline engine and is familiar
with the principle and operation of
motors. He has before him at all time
the thought that he must have a car
that Will take him there and back
chances on car that may strand him
ten miles from home and three or four
from help.
He IS n close reader OF motor car
advertising literature. In most cases
when he plans buying a car he has
been giving the subject thought for a
year or so and reading un on II He
keeps the salesman on his toes with
his questions and he demands abso-
lutte frankness.
I'VE notice the difference In the at.
titude Of the city man and the farmer
when they go through our plant. The
urban dweller pays attention 10 the ex-
ternals: TO the immensely OF the plant.
the great number of men employed.
the production, etc. The rural visitor
wants TO be shown the details OF man.
ufacture. particularly the hidden me-
chantsnl and the hidden quality OF the
materials. Going through the uphol-
STEERING shop. for instance the city
man looks at the finished bodies and
adm!res thcff appearance, while the
farmer examines the leather and salts
iies himself OF its quality and that OF
the curled hair which we use"
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1915-09-19
llVES CADILLAC EIGHT
419 MILES IN ONE DAY
J. Feltham Sends Car Over Ordinary
Roads in Longest Pleasure
Trip on Record.

Racing cars have covered 500 miles
a paved track In something like
hours, but 1t is doubtful IL any
lex car ever covered. In one day, and
pr ordinary roads, the distance re-
Etly recorded by Cadillac Eight in
Nv England This car made n trip
I'm Providence, r. l.. to Franconia
fch. IL. H.. and return. 419 miles. in
b day of driving.
che trip to the Notch from Provi-
zee was made In faster time than
return. The distance is 200 miles
p the car was at the Notch $50 min
is after leaving Providence. At
es. the speedometer registered sixty-
len miles per hour. Early in the
!, foG was encountered; and through
the trip mountain roads of fair
klity were traversed.
bn the return. tho same roads were
|versed for tho main part, but sew
II detours were made to pass
|ough towns not included in tho
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1915-09-19

Ralston, OF Indiana. put tho car In on
Grafton tho first time by touching a
key at the sending station. until tho
last day Of the fair, the starting and
stopping OF the car was taken care of
automatically.
That the unique Overland exhibit at
the fair attracted more than tho usual
attention was evidenced by the crowds
OF visitors who watched for the crack
ling spark. which was the signal for
the cars motor to start going.