Star. — London, England, 1825-09-15 00:00:00

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THE COURT 9f DIRECTORS of the UNITED cOMPANY I MERCHANTS o f ENGLAND, trading to t.r EAST INDIES, du kerebygive Notice, Tat the Lists of such Proprietors, as by the Company's Books to be qualified to Vote at the General Election, osi the 12th 4r:1. 1 9,26, will be ready to be delivered on TnuasnAr, the 10th 'c,vor.ber next. PETER AUBER, Assistant Secretary. EAST-111DM HOUSE, September 7, 1825. HE COURT of DIRECTORS of the UNITED CO3'PAIIY of MERCHAN TS of ENGLAND, trading to tke EAST-INDIES, d her* Sive Notice, That the QUARTERLY GENERAL COURT of the said CONPANY, appointed to be held at their House in Leaden. i.n.stmet . o n WEI)I4LSDAY, the 28th September next, is made :•I'F.CIAL, for the purpose of laying before the Proprietors, for Jnprobation, a Resolution of the Court of Directors of the u l t granting to Lieutenant-Colonel STAUNTON, C.B. of the r..,TrSay F A tiblisliment, an allowance of (4500) Five Hundred I' o3n d, per Annum, on the grounds therein stated. The itepert required by the By. Law, cap. 6. sec. 19. together with the Documents opon which the said Resolution has been forme d, are open for the Inspection of the Proprietors at this Ilouse. PETER AUGER, Assistant Secretory. C 11115: LOAN. 'rim SEVENTH II A LF-YEA RLY DIVIDEND u.lth- above Loan, which becomes due on the :.oth incr. - ; ;; ,, r p by Nlessrs. 1 lullett, Brothers, and Co. at their Count- No, 102, Leadenhall•strect, on that and every succeeding !,y (";1:1.1.,ys excepted). between the hours of Trn and Two "the Dividend lyarratits, with a list thereof, in no. • xrical order, Inuit be left fur examination one day previous to the a 7 plication for mment. London, September 15, 182$. CHILE LOAN. VOTICE IS HEREBY GIVEN, that in conformity to the General Islortgsge Bond, signed on the Vast day of 31ay, b y which the aunt of Five Thousand Pounds was to he appropriate d on the 51st March last, for the purposes of the Sinking Fund for the Sixth Half Year, and also the sum of £1,707, I,:infy, the amount of interest on 569 Bonds already deposited, Don itt.lllo de bgana, Minister Plenipotentiary of the State of Chile, jutinty with %Sews. Ilullett, Brothers, and Co. in the presence of .Ur. John Venn, Notary Public, did this day cancel and deposit in the Bank of England, Eighty.tivo Special Bonds of the said LOA, being £8,200, together with Fifty-tour Dividend Warrants, attached to each Bond. The following are the numbers of the said Eighty-two Special Bonds, viz. 93 4063 5802 6493 8017 9141 IUO 4081 4803 6525 8205 9142 1377 4128 5609 6530 8868 9145 1972 4331 5810 7532 8869 9145 2i.:4 4352 5881 7534 9059 9146 I!sti7 4.735 5885 7535 9055 9147 t5BB 4384 6240 7539 9055 9148 :7.0 4701 6273 7548 9084 9149 3761 4719 6275 7549 9086 9150 5762 5466 6976 7614 9134 9162 3764 5719 6307 7705 9135 9153 7.939 5721 6528 7710 9136 9457 5981 5722 6448 7842 9138 4036 5801 6484 7903 9139 Landon, September 15th. HULLETT, BROTHERS, and Co. PRIVATE PUPIL. A VACANCY iL now open in the Family 1,1 a 11. Married Clergyrnm, reident within a coneeni. nt tli,tonei I,f 1..0nd4n, aild %shrew Pupils are but few. Ile can otter the most •./.e..sctury references to Noblemen and Gentl;tmit whose sons kve mAlvr hi: tree. I. , ..Ttess to be addressed to Ito,. D. P. 'Mr. Anderson's, Book seller, No. a, W.tter:oo.place, Pall-mall, London. AC. CHARLES M. CLARKE ON THE DISEASES OF WOMEN. Tni; day was published, in Two Vols. royal Syn. illustrated with Plates, Price .E 1 16s. hoards, Second Edition, OBSERVATIONS ON THE DISEASES OF FEMALES. By CHARLES 'MANSFIELD CLAIIKE :Brother of the Royal College of Surgeons, and Lecturer on Midwifery in Loudon. Printed for Longman, Hurst, Itees, Orate, Brown and Green. Of whom may be had, Commentaries on some of the most Important Diseases of Chiidren. By J. Clarke, Esq. M.D. ke. Boyd svo. 106.6 d. boards. MEDICAL WORKS, Published by Gxo. B. WIIITTAZZIt Ave-Maria-lane. PHYSIOLOGICAL VIEWS o f STRUCTURE, FUNCTIONS, and DISORDERS of the STOMACII and ALIMENTARY ORGANS of the HUMAN BODY; with 4 Observations on the Qudlities and Effects of Food and Fermented Liquors, and on the influence of Climate and Local Station. By THOMAS II ARE, F.L.S. F.H.S. F.R.C.S. &c. Second Edition, Bvo. 101. 6d. boards. Commentaries on Diseases of the Stomach and Bowels of Chit. dren. By Robley Dunglison, M. D. Lecturer on Midwifery, &c. &c. Svc). 7s. 6d. boards. A Treatise on the Nature. Symptoms, and Cure of Cataract; by means intended to obviate the occurrence of Blindness, and to supersede the common operations of Couching and Extraction. II luseated by cases, demonstrating the ease and safety of the pro posed plan; the success of vrbich has been ascertained and con" firmed by ample experience. By John Stevenson, F.R.C.S. as. boards. This day was published, In Three Vols. 12mo, price 21s. boards, HUSBAND -HUNTING; or, The Mother and Daughters. A Tale of Fashionable Life. Printed for Oeo. B. Whittaker, Ave.blaria-lane.—Aleo, Truth and Fashion, a Tale, by F. In 2 vols. 18mo. IW. boards. Mariamne, an Historical Novel of Palestine. Dedicated by permission to Sir Walter Scott, Bart. 3 ♦ols. 12mo, 18s. boards. The Eve of AU-Hallows ; or, Adelaide of Tyreonnell, a Romance. 3 vols. 12mo, 18s. boards. The Hermit of Italy ; or, Observations on the Manners and Customs of the Italians at the commencement-of the Nineteenth Century. 2 vole. 12mo, 18s. boards. SCURVY, SCROFULA, KING'S EVIL, &c. FREEMAN'S ANTI-SCORBUTIC DROPS.— These dreadful disorders in their most inveterate stages, whether occasioned by acrimonious matter retained ia the habit, or introduced by certain indiscretions, intemperance, or injudicious 614 e of Mercury, come particularly under the influence of this medi cine, the reputation: of which was firmly established in the suc cessful and extensive practice of the late Dr. Freeman, for a period of mere than forty years. For all diseases originating in obstructed Ferspiration or impurity of the Blood, these Drops will be found a sovereign remedy, at the same time the safest medicine that can be resorted to ; they are also an excellent purifier of the Blood, and rre taken with great benefit In the Spring and Autumn. Sold in Bottles, at 28. 93. es. 6d. 11s. and 225. by Butler, Che- , Mist, 4, Cheapside, St. Paul's; Savory and Co. 136, New Bond ' reef, London ; and by the principal Medicine Venders throughout tne United Kingdom. Of whom may be had MORRIS'S BRUNSWICK CORN PLASTER, an excellent remedy for eradicating Corns, BUPionss 6:c. Li Boxes, at 15. lid. and Ss. 9d. On the 211th instant will be published, ?ICH E QUARTERLY THEOLOGICAL REVIEW, and ECCLESIASTICAL RECORD, Number 4, price os. Printed for C. and r. Rivington, St.' Paul's Church-yard, and Waterloo-place, Pall-mall. ••• Tbe first volume May be had in boards, price 121. This day was published. By Oro. B. Worrraemt, Ave-Maria-lane, AHISTORY of the FRENCH REVOLUTION; accompanied by a History of the Revolution of 1335, or the States General under King John. By A. THIERS and FELIX BODIN. Translated from the French. In 3 vols. Bvo. 365. boards. 2. The History of Italy; from the Fall of the Western Empire to the Commencement of the Wars of the French Revolution. By Geo. Perceval, Esq. In 2 large vols. Bvo. 30s. boards. 3. History of the Conquest of England by the Normans, its Causes and Consequences. Translated from the French of M. Thierry. In S vols. Svo. 365. boards. TO TOURISTS. GRAY'S BOOK of ROADS, on an entirely New Plan ; showing, at one view, the various Lines of Route lead ing to any required point or Distance; and the Index so arranged as to enable a direct and Immediate Reference to any required Route. Price 7s. balf-bound ; or, with a complete set of County Maps, 12s. With coloured Maps, I I .:s. " This is the most useful travelliag companion with which we are arquainted."—Critkal Gazette. A NEV PICTURE, of the ISLE of WIGHT. Illustrated by a Map, and Twenty-six Plates of the most beautiful and inte resting Views throughout the . Island, in imitation of Original Sketches, drawn and engraved by William Cooke. Second Edi tion. Price 12s. in boards; or in Bvo. with Ten additional Views, 4 215. EVA NS'S WALKS through WALES; containing a Topo graphical and Statistical Description of the Principality: to which is prefixed, a copious Travelling Guide, exhibiting the direct and the principal Cross-Roads, Inns Distances of Stages, and Noble men's Seats. Illustrated with Into, and Views. Price Bs. neatly bound and lettered. COOKE'S WALKS through KENT; containing a Topogra phical and Statistical Description of the County, and of THE ISLE OF THANF.T in particular. New Edition, corrected and improved by J. N. Brewer, Esq. Illustrated with several Views and Map. Price Ss. hound. COOKE'S GUI DE to the LAKES; including a description of the surrounding Scenery, the Vales, Mountains, adjacent Towns and Villages, local Peculiarities, &c. In a Pocket Volume, illus trated with :llap and Views. Price 2s. 6d. Published by Sherwood and Co. Paternoster-row. PARLL4MENIARY REPORT. The Select Committee appointed to consider of the Laws respect ing FRIENDLY SOCILTIES, and to report the same, with their Ob servations thereupon, to the House: and who were empowered to report the Minutes of Evidence taken before them; have, pursuant to the Orders of the House. considered the M atters to them referred, and have agreed upon the following Report (Continuedfroni car Ayer of Yesterday.) Your Committee regret, that the period of the Ses sion at which their inquiries have been closed, has pre vented them froM undertaking the systematic arrange ment and critical examination of their materials, which were certainly desirable; at the same time, they are cooscious that their materials, ample as they are, are tar from complete; and they trust, that by submitting them to the House in their present state, at the close of the Session, they ensure for them the greatest probabi lity of correction and completion. The mote usual objects of the Slcieties are, an al lowance in case of sickness, a pension in old age, and the insurance of a sum of money at death. It is re mai kable, that uniil a ith;n a very few years, no data were collected whereon a calculation of the average one! rence of sickness at the several ages of min, could be formed e ith tolerable accuracy ; but it is for tunate, that a calculation msde.anany years ago, upon a hypothetical assumption, has been found to lead to practical results, not very different from those of the more recent inquiries. The hypothesis of Dr. Price was, that in societies consisting of persons under 32 years of age, a 48th pact of the members will be always in a state of inca pacitation, from illness or accidents; that from the age of 32 to 42, this proportion increases to one quarter more than a 48th part; from 43 to .51, to one-half mote; from 52 to .58, to three.quarters more; and ftom 58 to 64, to double. The first branch of this proposition, referring to an age under 32, is stated to have been founded, in some degree, upon experience; the others proceed upon the assumption, that after that age, as life approaches to its close, sickness becomes more frequent, in the same ratio as life becomes less ialuable. in strictness, perhaps, some allowance ought to have been made in respect of accidents, the liability to which does not increase as life advances ; but the correction would be very inconsiderable. Upon this supposition, Dr. Price required from every subscriber under 32, who should desire to have an al lowance in sickness of four shillings, a weekly pay ment of one penny, being the forty-eighth part of foul shillings; the same payment increased by a quarter, thar is one penny farthing, from subscribers between the ages of 32 and 42, and so on to two-pence from members whose age exceeded 58 years. Mr. Morgan, the nephew of Dr. Price, and Actuary to the Equitable Assurance Office for lives and survi vorships, continues to use this table; and Mr. Frend, Actuary to the Rock Assurance Company, and also an eminent mathematician, entirely concurs with Mr. Morgan. These two Gentlemen have been employed in certifying, under the Act, the tables of a great number of societies; among others, those of a very considerable society, which has attracted much of the public attention, The Friendly Institution, founded at Southwel', in Nottinghamshire, by the Rev. John Thomas Becher, under the presidency of Vice-Admiral Sotheron, one of your Committee. The tables of this society (which will be found in the Appendix), have been adopted by a society upon a large Scale, lately formed in Hampshire, by Mr. Fle. ming, another of your Committee, and by others which are in progress. The payments required by these tables, for provision against sickness, are somewhat greater than those required by Dr. Price; the excess may be considered as necessary, for greater security, and for t he expense of management. The Houseoeill observe, that other actuaries besides Messrs. Morgan and Frend have borne their testimony to the sufficiency of the South well tables, so far as they apply to sickness ; and your Committee request parti cular'attention to the evidence of Mr. Finlaison, Ac tuary to the National Debt Office, who having, at his first examination befo.e the Committee, signified an opinion that sickness does not follow any general law; and having, in consequence of suggestions from the Committee, paid further attention to the subject, has finally expressed his -conviction, that sickness may be reduced to an almost certain law ; and has furnished the Committee with a very ettensive body of infor mation upon the subject. Your Committee, however, think it neht to add, that the late period at which they received Mr. Finlaison's last paper, renders it necessary for them merely to submit it for consideration ; they are not prepared to express their concurrence in its contents. The House will find in the evidence, and in this paper of Mr. Finlaison, frequent reference to " The Scots Tables." The tables here intended, are those which are appended to a " Report on Friendly or Benefit So cieties, exhibiting the law of sickness as deduced from returns by Friendly S cieties in different parts of Scot land, drawn up by a committee of the Highland SO. ciety of Scotland." In the year 1820, this society cir culated am , ng a number of Friendly Societies, in dif ferent parts of Scotland, blank schedules e to be tilled up with information in much detail, as to the ages of the members, and the quantity of sickness which had oc curred. Returns were received from about eighty so cieties, and various tables were Constructed upon the result. One of these was framed open a principle en tirely new, and purported to give, in we ks and deci mals of a week, the average duration of sickness likely to occur to an individual of each age, during • a year. Th's average is found to be, in all the earlier periods of life (and your Committee w, nl.l observe, that in regard to the later period, they wish to reserve tin ir observa tions tili they come to superannuation) considerably less than the average assumed by Dr. Price, or in the South well Tables. Whether this difference is owing to a defect in the form in which the statement of facts was required, to the defective mode in which the requi sition was answered, to the superior healthiness of the districts to which the returns applied, or to what other cause, your Committee have not formed a decided judg ment. Much detail upon all these points will be found in the evidence; but the Committee have not thought it necessary to pursue a more extended inquiry into this question, because they trust that they have procured, and still more that they will have pointed out the means of procuring, a body of information more complete, more accurate, and more generally applicable. They desire, however,to recommend the Report to the peru sal of all persons who take an interest in inquiries of this nature; and they have derived many valuable hints from the proceedings of the society, and the evi dence of Mr. Oliphant, writer to the Signet, by whom the Report was framed. But the Committee certainly do not feel justified in recommending these Scots tables, or any which require payments lower than those required at Southwell, for adoption by any society in England. For sickness, the South well tables may safely be adopted, provided that a separate and sufficient provision be made for sickness or disability occurring after the age of sixty-five. In reference to the adequacy of the sick contributions, 'tout Committee desire the particular attention of tire House to the evidence of Mr. George Glenny, and Mr. Thomas Dean. These persons are the framers or ms nagers .sof two very considerable societies, established within a few years in the Metropolis; the one sty:ed " The Royal Union Association, at No. 5, Lancaster Place, Waterloo Bridge:" the other, o The Mutual In surance Betn.fit Institution, No. 50, in Thread needle Street." These institutions are Friendly Societies upon a very large scale; an.' the first-named adds to its enumeration of ordinary objects, which are allowances in sickness and old age, Life Insurance, Endowments for Chil dren, &c. that it is" for encouraging the establishment' and improvement of Benefit Societies throughout the kingdom ;" and invites the correspondence or persons desirous of forming societies or clubs in the country. There is a wide difference between the two Societies, in regard to the rate of contribution. The " Union," the actuary of which, Mr. Glenny, has been extensively employed in certifying rules and tables under the Act, requires payments considerably higher than the e of the Southwell Institution; this is accounted for, partly by the greater un!.ealthiness of the metropolis, and partly by the necessity of a considerable allowance for the expenses of management, where there is not, as at Southwell, the support of voluntary donations. And this leads your Committee to make a remark, of some importance, that the addition made for management should not be, as in some instances it is, a per centage upon the contribution, inasmuch as the expense of ma nagement bears a proportion rather to the number of the members, than to the amount of their payments. The other institution began with payments too low; and has found it necessary to increase the contributions. The tables, nevertheless, as allowed at the Sessions, bore the signature of respectable actuaries. The next of the wore usual objects of Friendly Socie- I ties is the Insurance of an Annuity in old age; a pen sion to commence at the age of 65 for instance, or 70. This also was one of the contingencies for which Dr. Price calculated a table of payments; and the basis of this calculation was the table of the expectation of life commonly called the Northampton Table. The opinion of Messrs. Morgan and Fiend, founded upon this table, is also adopted by the Southwell Institution, and by the Societies which have been formed in imitation oil that eminent establishment. The actuary of the Union '1 Association requires payment considerably higher, without stating distinctly upon what observation of the expectation of life he founds his opinion; but Mr. Fin laison has furnished your Committee with much valua ble evidence, tending to shew that the Northampton Tables give an expectation of life so much too unfa vourable, as to render the use of them for annuities in old age extremely unsafe. Mr. Fitilaisun founds his opinion in great measure upon the experience drawn from the duration of life among the natnitiees in the Government Tontines, and the Annuitants of Govern ment under the Act 48 Geo. 111. c. 142. It is certain that the experience of the offices for In surance on Lives, has proved the Northampton Tables, to be much more unfavourable to human life than the purposes of those offices requite; but it is to be consi dered, that bad lives are rejected at those offices, and the lives insured can therefore not be taken as furnish, ing a fair average for life in general. But there is no reason for supposing that the lives of those persons of various ranks, who have converted their stock into life annuities, are peculiarly good. lives; and the Tontine nominees cnnsisted of persons selected by lot from the children of the Clergy and Magistracy throughout the country. Your Committee the less regt et that the necessity of closing their labours prevents them from pursuing this inquiry further, because they are disposed to believe that the Ivitlenci which they have annexed to their Report, u induce the House to resume the inquiry in another Session, and to consider the propriety of col lecting, j,ty Parliamentary authority, such information as mat plaie the disputed questions almost beyond controversy. such or a Memb er s tee of management th In the meantim e , they cannot but recommend to House of F as rie m nd a l y y take part in the fmgreat caution in settling the tate of contribution for superan nuated allowan, es ; and they are not prepared to re commend in this case, as they have in sickness, the Southwell 'fables as a standard. Perhaps the tables calculated by Mr. Finlaison are, for this contingency, the safest standard. It will readily be perceived that too low a rate of subscription for allowances in old age, is the most dangerous error into which a society can fall. The sufficiency of the contribution for sickness, would in truth rather aggravate than palliate the mis cbef ; because a society consisting of persons of nearly the same age, which should have a rate adequate for sickness, and inadequate for old age, would continue to flourish until the members all became superannuated, when all would be ruined; whereas the insufficiency of the rate for sickness would be obvious at a much earlier period, as it has become in the mutual insurance; and a remedy might be applied before the evil had become extensive. It has been alleged, in justification of the sufficiency of the Southwell rate of superannuation, that as an in surance will be also made for sickness, the one contin gency will balance the other: the man who attains the age of 65, and becomes a claimant for a sußerannua tion allowance, will probably have drawn but little on account of sickness. It is obvious, that this is only true, if the amount of the two insurances bear a due proportion, one to the other. A difference of opinion exists as to these superannd ation allowances. In • some institutions, no allowance is granted by reason of old age only ; an old man, if incapacitated by his infirmity for profitable labour, is in the situation of any other infirm person, and entitled to the reduced allowance given in sickness, which has continued for more than a year, or whatever may be the limited period. It has been 'Only observed, that this is an arrangement much !Dore beneficial to the aged member, than one by which he is debarred from receiving a sick allowance, and only entitled to the very small pension which is sometithes given by way of superannuation ; not more, in some instances, than Is. or even 6d. weekly. But your Committee are strongly impressed with an opinion of the desirableness of a superannuation allowance, adequate to the main tenance of the subscriber, without a resort to the parish. It is true, that the addition to be made to the monthly contribution, in order to secure this benefit, is consider- Ale, and the remoteness of the benefit may disincline persons from subscribing for it, who are not unwilling to make a small sacr fice, in order to be relieved unJer the nearer contingency of sickness; and a man's rosl sible savings may be sufficient to allow of his providing for the one contingency, anti not (or the other. Yet as one main object of the institutioi s is to enable poor persons to maintain themselves through life, without recourse to the public fund, and to create a spirit of in dependence, every encouragemeot and facility ought assuredly to be given to persons who are willing to protect themselves against the necessity of either recur ring, at the close of their lives, to the pauperism ahich they have avoided in their years of labour ; or being engaged in V e struggle with the stewards of their club, which, while their incapacity for labour is in any de gree doubtful, most continu illy harass and oppress them. Your Committee have no particular observation to make upon the subject of Insurance for the payment of a sum on death. In the Appendix, some valuable* suggestions will be found. The Not thampton Tables may certainly be adoi ted with perfect safety; and if the other contingencies aie amply provided for, a de duction may safely be made from the Northampton rate, for this part of the insurance. In concluding this important branch of their Report, your Committee now proceed to the suggestions which have occurred to them for the amendment of the law ; so far as it regards the sanction of the actuaries, your Committee are decidedly of opinion that some altera tion must be made. One mode which has suggested itself for securing the object contemplated in this part of the Act, is the Parliamentary enactment of Tables, applicable to all tke purposes of Friendly Societies. But even if the House were satisfied that the data exist for construct ing such tables with suffic;ent certainty, it might be re marked, that this suggestion puts entirely out of the question all differences of locality or occupation. But the rate of mortality, and of sickness in Eng land, is not at present sufficiently well ascertained to justify a Parliamentary enactment of any particular set of Tables. Even the generally received opinion, of the improvement in the value of life, is rejected by certain observers of much eminence. And it must be owned, that no extensive information has hitherto been col lected, as to the duration of life among the lower orders; and it is obvious, that neither experience, drawn from the higher and middling classes, nor results taken Ifrom the Army or Navy, or from the London Hos pitals, can be depended upon, in reference to the gene ral mass of the manufacturing . or agricultural popttla tion. In some cases, even a similar result is produced, in the higher and lower classes, by the operation of different causes: thus, it is generally believed, in France as well as in England, that among the 1 wee classes, more children are burn, but of those a smaller proportion teaches maturity. The same number of per sons might then be found at the same age,with the same number of children, though the fruitfulness of their several marriages had been extremely different. clear, that if this fruitfulness were the point to be ascer tained by experience, the inquitet who should satisfy ...= 0 ~i , tir• ...aw their It is sect• itisfy