Charles Cole Hine was born in New Haven, Conn., December 21, 1825. When six years of age his parents removed to Hornellsville, N. Y. His father was a carriage builder, but of nomadic tendencies, and the boy had small opportunity for schooling, though as a matter of fact he went to school all his life; he had an instinct for acquiring knowledge that could not be suppressed, and as a result those who knew him best in after life took it for granted that he was a college-bred man.
With the versatility of many another self-made man he turned his hand to many things in his youth while finding himself. He once went on a concert tour with three other young men, driving from town to town through Ohio and western Pennsylvania. At one time he turned to art for a living and actually did support himself, after a fashion, for a brief period, painting portraits. Mr. Hine’s father moved to Massillon, Ohio, in 1837, and there the boy grew up and cast his first vote. Once when clerking in a store in Massillon, among the commodities of which was a line of books, the proprietor, who was of a kindly disposition, allowed the young man to read as he liked, and as a result he read every book in the place, including an encyclopædia, some six hundred volumes in all.
When the telegraph was young he became interested in that and established lines through parts of Ohio, Indiana and Illinois, contracting for poles and their erection, selecting the local operators and teaching them the Morse alphabet, and doing any other missionary work that was needed. That he was something more in this than ordinary is evidenced by the fact that in Reid’s “History of the Telegraph in America” Mr. Hine’s name is frequently mentioned, and always in complimentary terms. While in charge of the office in Louisville, he invented a transmitter to repeat messages in order to save the time of an operator, for in those days the electric fluid only carried a message so far, and long distance messages must needs be repeated by hand. Later some one invented and patented the same thing and made, I believe, a fortune by it.
An operator in the early days of telegraphy was a more important personage than at present. Mr. Hine has told how, when he was stationed in St. Louis, 1848-9, P. T. Barnum was taking Jenny Lind around the country and, upon reaching St. Louis, he insisted on getting inside the telegraph office and making the acquaintance of the operator. As a result he took Mr. Hine riding with him and gave him two tickets for each concert, no mean gift when tickets were selling at $20.00 each.
The year 1849 was the year of the cholera and of the “great fire” in St. Louis. “The city was a charnel house; funerals were the principal events and the chief business of the hour; hearses went on a trot when they could not go faster.” Mr. Hine was convalescing from the disease and had been carried from a room at Olive and Main streets to his boarding house. That same night the “great fire” started on the levee. Four hundred buildings in the business heart of the city, which included Olive and Main streets, were destroyed.
While living in St. Louis Mr. Hine met Mary Hazard Avery, whose parents had also removed from Connecticut, and was married to Miss Avery in that city July 4, 1853. Before that time he had established himself in New Albany, Ind., where in due course he represented the Adams Express Company, and was secretary of a plank road, notary for two banks and agent for several insurance companies, fire and life.
While living here the New Albany Theological Seminary removed to Chicago, leaving a splendid set of buildings vacant, and Mr. Hine thought he saw the opportunity of his life in the establishment of a girls’ seminary. The property was easily obtained, and he spent all the money he had and all he could borrow fitting up the place but, as he once put it, “the New Albany Female Seminary opened simultaneously with the great panic of 1857”. He lost every cent he had and came out of the crash many thousands of dollars in debt.
When Mr. Hine wished to enter active business again he bought up the outstanding notes against him in order to protect himself and, although his former creditors had no claim on him thereafter, he gradually paid back every dollar of indebtedness with interest. In this he followed the somewhat unique method of ascertaining who among his old creditors were most in need, and paying these first.
As an insurance agent Mr. Hine had represented the Ætna Insurance Company, whose western general agent had said to him: “Mr. Hine, if ever you should want to go into insurance again, please let me know first”, and after the crash Mr Hine promptly sent word to the headquarters in Cincinnati that he wanted a position and as promptly got it. Thereafter he was connected with the western office of the Ætna until he removed to New York in 1865. Mr. Hine was brought east by the offer of the secretaryship of the International Insurance Company, but the methods adopted not being to his liking he resigned. He was then practically offered the position of Superintendent of the Insurance Department of the State of New York, but preferring to be his own master and delighting in editorial work, he purchased the Insurance Monitor in March, 1868, and that became his life work.