Year: 1867

As an editors duty, Is always to lay before
his readers and the public. such matters as
should claim their attention and appertaining
TO their interest. The recent disasters OF
Portland, Nicksburg, Little Rock, and our
own yiciniticS. with the pecuniary losses be-
fore our eyes, demands that we should press
upon your minds the Importance of insur-
ance. We are aware that many urge their
inability to spare the amount called for the
premiums, and that they are really not able
TO insure Thi, Is great mistake; the poor
er the man, the greater the necessity that he
should take cut a poliey-for the loss OF Ills
little all, Will be more felt by him, than the
larger loss OF hi, wealthy neighbors. You
lul yourselves into an imaginary security,
when you conceive the idea, that you are the
creature of good luck and fortunes favoritc,
In having thus far escaped; and that because
calamitics and loss has never visited you, it
will thus continue without change. Recent
losses Of gin houses, gins and cotton, are evil
dences that somebody has to olose-to-day your
neighbor is the sufferer, tomorrow, his mis-
fortune may he yours. 1t is no part of wis
dom to argue that because you have never
lost by fire, that you never will; we all know
that human life is chcquered with accidents
and bcf,ll us all they way along the journey,
and that the longer we live, are that much
nearer to the end. so with tire--the longer
it keeps away from our doorand leaves us un-
harmed, we are just that much more certain,
that disaster is near u.s. Do not then post
pone and delay the consideration of this sub
ject--it i'll not do to procrastinatc-yo tenn
porizc for day, resolved to insure on the
morrow: but ere the dawn, the sweeping
flame has dcyoured your all An old an ia
roritc adage, is ian ounce of preventive is
worth pound of cure; make the application
and secure the preventative, when such pro-
portionate results can be obtained It'll bet
ter opiate against the nervous sensations of a
midnight alarm. than Doctors shop full of
suporificS.


AT this time aud in the condition which the
war has left us, we are particularly reminded
by our poverty. that we cannot afford to lose
any thing. We are not able to take our own
risks and there is a moral obligation which
urges MS to protect ourselves against all and
every kind of loss, and the calamities by fire
which fill the pages of almost every journal
makes 1t especially incumbent to guard
against this hazard The merchant with his
goods; the workman with his tools; the farm
er,with his stock and produce, all, all are alike
interested. He who carelessly di,regards his
own interest and safety. ard will not place
himself on the safe side when it can be done
so easily. should not expect much sympathy
from the public. if he suffers from his neglect


But our duty ends not here, another impor-
tant consideration presents ITSELF. e.-wth
whom do you insure? VIII the office make
you prompt restitution in case of loss. The Ia
mcntablc feature of present insurance com
panies. is the small capital they actually have
paid IN for their basis OF operation; prudence
would dictate to n business man, that he had
better pay little extra rate of premium In an
institution known to be sound, than take a
risk at low rates. in one of doubtful security
as well apply to an empirc in medicine, to
heal the diseases ofyour body, as to expect
an insoivcnt Insurance Co., to find remedy
for loss in case ofa disaster; your constitution
would be more likely to withstand the igno-
rance Of the one, than your finances be inn
proved in the bankruptcy Of the other. In
stitutions with authorized capital (Which
means only promise to pay no matter how
large the amounts, offers but little security in
case Of loss. unless the actual amount of capi-
tai has been paid. A thorough business man
would not be satisfied with this safeguard,
and would not invest his means in an institu-
tion, whose ability to pay and basis of busi-
ness and monetary transactions, rested upon
the promises ofindividual stockholders to pay
up at some future day. A man had better do
his own insl,ring than take his risk in an Of
flee Of uncertain standing. Insurance in a
gaod, sound. healthy COMPANY, Is really. a bar
rier against loss, and none but supremely
foolish man would venture in any other.


Navy Register.