The Sun. — London, England, 1854-01-28 00:00:00

.. . . . 11 S., lat. 9 • • . 30. LONDON cc; NORTH-WESTERN RAILWAY. -The Public are requested t o take Notice that, BY ORDER long. OF THE POSTMASTER -GENERAL, on and after the Ist of Feb- I 6 N., wary, the DOWN NIGHT MA IL TRAIN' l eav ing London at a quarter before 9 will call at Rainhill, and will cease calling at Wat ford, Wolverton, and Euxton. long. The UP NIGHT MAIL TRAIN from the north, arriving at Easton at 4.40 a.m., will cease calling at Euxton, Lichfield, Wolverbon, and Tring. The Down Mail Va in leaving London at 9 p.m. will cease calling at Harrow. A NEW TRAIN to WATFORD, Sundays excepted, calling at all •_ l , the Intermediate stations: will leave London at 9.30 p.m. The train leaving Liverpool at 9.40 a.m., and Manchester at 9.45 a.m., will leave Liverpool at 9 IS a.m.. and Manchester at 9.30 a.m., seve- and the corresponding branch trains will be altered accordingly. , and For other alterations see time bills. By order. MARK HUISH. corn General Manager's Office, Euston Station, London, 4 in the January, 1854. ;meal, _ GRE A T WESTERN RAILWAY. ,Notice is Hereby Given, that the next II ALF-YEARLY GENERAL MEET' NIG of the Proprietors of this Company will be be )-day, held in London, pursuant to Act of Parliament, at the Paddington in Station, on Thursday, the 16th day of February, at half- p ast twelve ridgy. o'clock, for the Election of Three Directors in the pace of Samuel .iz ugh a. Baker, Earl., Captain Thomas Bulkeley, and Charles• Russell, Esq., .ces of retiring by rotation, and for other purpose s of business ; and the - i good said Meeting will also he made SPECIAL, for the purpose of consi- beans, dering, and, if approved, of adopting and confirming the further agree ment entered into with the Shrewsbury and Chester _Railway Com pany, and the Shrewsbury and Birmingham Railway Company, dated ] the 28th 4 eptember, 1853, for the avaigamation of the said two Com panies with the Great Western Railway Company, upon the terms U mires, therein contained, and authorising the Directors to carry the same T. raring : into effect. The Chair will be taken at half-past one o'clock pre- C , Od. to . cisely. , 344 . C. RUSSELL. Cha irman. BARRINGTON, Deputy Chairman. _ Dr lb. The Directors retiring are re-eligible, under the provisions of the 90 6d Act ; and in compliance with a bye-law, notice m the names ust be giv any J, en to the Secretary on or before the 2d of February, of of 10., 4s Proprietors who are to be nominated' for Election as Directors, at to MS the said half-yearly General Meeting. The Transfer Books of all Stock and Shares will be closed on and ] g., 61s from the 3d of February, and will not be re_ e p ened until after the said half-yearly General Meeting of the 16th of February. - Ey order of the Board, CHAS. A. SAUNDERS, Secretary. Paddington Station, 24th January , 1854. .....-......................-.. j ditto hi Od ; , BONUS TO SUAREUOLDERS. Od ; Od A to HOME COUNTIES AND METROPOLITAN 2s 2(IFREEHOLD LAND SOCIETY. . 4d Bonus of 6/. Bs. 4d. per cent. wi ll be added to the past year's is subscriptions, and in future interest at the rate of Si.sl. Bs. 4d. per cent. cash, per annum will be given on all subscriptions, with such additional A bonus at the end of the year as the profits of the Society may allow. It Two Estates have been purchased for this Society daring the past C year-that at Wood-green (chiefly allotted) has been very satisfac tory and profitable, both to the,allattees and - the Society at large. ii or all The other Estate (not yet allotted) promises to bb a more successful Le cur- purchase than the ( first there being a great demand for plots upon it. efined It is situated is Wimbledon-park, in the midst of gentlemen's seats, mum- and is adapted for first-class villas. There are two special advantages in t his Society, viz., members are not required to pay down any part of the price of the land prior to choosing plots. The full amount of the shares drawn in the ballot - is advanced ; also that more shares are not drawn in the ballot than can be supplied with land, so that the members may have the ad- - - vantage of selling their drawn shares at a premium. A share in full is 301., with an entrance fee of Is. By order, s. d,„ HENRY KNIGHT, Secretary. 1 .33 0 ,39 0 . THE INDEPENDENT FREEHOLD LAND 1 ,38 0 1 SOCIETY, ,38 0 I, MANCHESTER BUILDINGS, WESTMINSTE R. ,40 0 E Members not liable beyond the amount o f their respective Shares. .40 0 Shares, 301.; payable Weekly, Is.; Mon thl y , 4s. No Back Payments , or Fines. Money advanced to build at 51 per cent., thus avoiding ,42 0 the heavy rate of Interest required by many Building Societies. 36 6 This Society differs materially from all other Land and Building i .42 0 Societies, and is established upon the most improved principles, securing to its members greater adva nta g es than any other Society .41 0 yet placed before the public. Any memb er ma y choose a Plot for , .40 0 himself in any locality suiting him, and have an advance of the par ,3B 0 chase -money, and the means of erecting a house thereon. .40 0 Prospectuses and Shares to be had of the Secretary da ros ily, between .38 0 10 and 4, and 7 and 9on Tuesday Evenings; or a Ppectus f0r .38 0 warded on receipt of one postage stamp. .39 0 ,42 0 MINING INVESTMENT.-Parties see kin g safe and profitable investments should turn their attention ,38 0 40 0 to the shares of those companies formed for mini n g , es p eciall y when their estates are in Cornwall and Devon: The dividends from many of these are equal to 10, 15, and 20 per cent. upon the outlay while others not yet paying dividends, but having excellent prospects of soon doing so, afford abundant scope for speculation, not alone from anticipated early returns to the proprietary, but likewise on account of the great enhancement in the value of the stock at tendant thereon. Mr. JNO. S. LANE, 32, Poultry, London,having correspondents in all the richest mineral districts in England, is in a position early to advise his clients. Parties communicating will re ;toady ceive all requisite information, and Mr. LANE will recommend 25, 7 ,- ,- either dividend paying, or non - dividend pay in g concerns, to those 62,i 2 wishing to embark in mining enterprise , and s tate his reasons for so doing. d, 61 32, Poultry, London, Jan., 1854. 'over, out.), "BETTER LATE THAN NEVER." LEWIS'S ALTERATIVE PILLS will be found on trial, after every othdr means has failed, to cure the most inveterate cases of Bilious disorder, Indigestion, and every derange .gli er, went of the Liver, Stomach, Kidneys, or Secretory system. They m. are entirely vegetable, and, while removing obstr uctions, p urif y the tri 1 7-I, ; blood, clear, the complexion, relieve the che s t of p hle g m, stren g then the nerves, and restore tone to the whole system. Prepared and sold by HINGSTON, HUISH, and Co., lA, Old Bond-street, price Is. 1%d., 2s. 9d., 4s. 6d., &c , retail by all medicine vendors. Sent by post on receipt of postage stamps. )-day, fords 101:k - LIFE ASSUR ANCE ; REPORT of the SELECT COMMITTEE of the HOUSE of COMMONS, and the DEPOSIT SYSTEM-the New and Important Feature of Life Assurance adopted by The DEPOSIT and GENERAL LIFE ASSURANCE COMPANY. norn- The following is an extract from the Report of the Select Com ning, mittee : - '• TUE OBJECTS which persons HAVE IN VIEW IN EFFECTING IN- Ewers SURANCES upon their lives, are GENERALLY OF AN IMPORTANT AND first SOLEMN character, viz., the PROVISION FOB WIDOWS AND ORPHANS t the after the death of their NATURAL PROTECTORS; unlike any ordinary transaction of trade, a CONTRACT ONCE ENTERED INTO CANNOT BE DISCHARGED OR ABANDONED, if doubts of the stability of an Office should arise, WITHOUT A SACRIFICE OF PREMIUMS PAID IN PAST YEARS, and the necessity of effecting new policies in other (50/. offices at increased rates of premium, owing to the greater age (501. of the assured ; persons are thus placed in the xxxious AND UN HAPPY DILEMMA OF BEING COMPELLED TO PERSEVERE IN PAYING PREMIUMS FROM YEAR TO YEAR, with SOME suspicion and doubt as to the ultimate advantage of doing so, OR OF INCURRING THE SE RIOUS LOSS WHICH, UNDER THE MOST FAVOURABLE CIRCUMSTANCES, BIUST ATTEND THE ABANDONMENT OR SALE OF A FoLICT." - On the DEPOSIT SYSTEM a person is NOT "COMPELLED" to pay I 30 . from " TEAR TO YEAR," and he does not, if desirous of " ABANDON . 55 ING" his Policy, incur any" SERIOUS Loss," but, on the contrary, he may pay such amounts, and at such times as he may find most con- - venient ; he can stop paying whenever he pleases, and he can with -424l draw the whole or part of his premiums. If the whole be with -26 )te drawn the Policy is cancelled ; if part only, then the value of the 26% Policy is diminished by the assured value of the part withdrawn. 53% A B, aged 20, opens a deposit policy with a payment of 51., which 53% it will be seen he increases from time to time, and occasionally - diminishes. g ...a - 00....C10M4MN.M ..,,.....0. - cj d ' .0.... ..... ... OZ. g .441 Hi ...„,-,...„2„ 9 4 ..4, T IA a . 1 i 0 11 x 0 -- 1 % H 0 . ~._. .. -.. .....,. ~... pc , __ ...... 1: : 4 ,! g gii g 0 .... ° ..ree.oo ....3 1--.-.-. .Z.esle. . p :7, - ti o. 1 41 _ ~., ,_,.. -. cs ca es ca e.s se ,o N F co 44 . . office r E : ci N el . C ., ---- § " r- 10 1 I en .41 0 , ',Y, I ,0 i n as la'l 41 co I I C I i Iv., .-, c 0 Ind. *I • C 4 41 --- - 2 ; ga ---- -- a> m mco com Mon 41t ,5 2 4 gz.. CS ... .. -4. . t '4 8 ...: - ..,,,,,,,.....,..., , .. , ..e0... 17 i; . gl iral 41-...,a.-..-....- ci m,,. ~, 0 c. ) 1 9 / • a . ; 4 s ad c si, 14. svo ,o •a• es. ca.* eno. oo+ 0 to rain. , C.) a 4 o ....,,-: o N D 4 ...I 5: Ls 1.4 ...8 es :•:• • • • 5 I • • • • : 6 : ••••• :_..7 • : : e ; 1 ":". F.;,4gc•imc.,.:7•3'.gco'N.Le-72 m • Tg.li.draP d ti 2Z t " cli ti g ii4041 . 0 . 141X ,48MGZA Si 1:4 PI C. •CO .1* . .i 03 1.... oea 1 ' ." .n - 4 2 . .:2 n trag 3 a co co ao 0 .-.- -. ...,, ....... .-.... Sat. t,.. __ . . . Thus AB, in 10 years, has saved and invested at different inter vs various sums amountin to b which he had been insured in al case of death for 2601. 12sg . 7d. 9 ; 71., y but B requires 221. ;he draws this sum out, and diminishes the value of his Policy by 601. as. 3d. at different times, leaving him in case of death a Policy for 20 01. 4s. 4d., and during his life a fluid of 751. to draw out at any time, in part or wholly. The first claim settled by the Deposit and General Life Assurance Company was upon a deposit of 101. which a parent made for each of five children, instead of adding it to an account they had at the Savings Bank. One of them died a few days after the 10/. was de posited, and the father received 341. 65., being the amount of the De posit Policy. Supposing A B, aged means, and continues in the same way as he EXAMPLE No. 2. 23, when he opens a Deposit Polley has the rouncrAEILY to pay the same sum every year is COMPELLED to do in the ordinary system. Year. 1851.... •• •••• •• •• •• 1852 ...... •••• •• 1854 ......... • •• ..•• 1855..•• 1856.... x. 1858.. •• •• •• •• 1861•••••• .••••••••• to 1865 •••• •••• .• •• •• •• 1866.••••••••••••••• to 1814— .. ••.. to to to X. s. d. 49 6 6 48 16 0 47 18 0 47 4 6 46 10 6 45 17 6 45 4 0 44 10 6 43 17 6 43 4 0 206 7 6 190 4 6 141 3 ° 1,000 4 0 194 13 6 147 11 4 6 182 10 6 1,525 b 6 Th premium of IRI. commencing at 23 years of age, and paid upon an ordinary Policy (as IT MUST BE) every year till A.B. is 46 years old, will secure the same sum, viz., 1,0001., but if A B lives 17 years longer (which is the probable duration of life at the time he effected the insurance) his Deposit Policy. for the same payments as for an ordinary Policy of 1,0001., will have i n creased to 1,5251. 6s. 6d. TRUSTEES. The 'Right Tiononrable the Lord Viscount Drnmlanrig, M.P., P.C. Comptroller of her Majesty's Household. Major-General Sir W. Clayton, Bart., 79, Gloucester-place, Port• m an -square. Fir Charles Price, Bart., Banker, London. Vice-Admiral Ayscough, Prospect House, Southampton. CHAIRMAN. The Right Hon. the Lord Viscount Drumlanrig, r.c., Comp troller of her MNesty's Household. CONSULTING ACTUARY. Francis G. P. Nelson, Esq., F.L.S. STANDING COVNIEL. R. B. Crowder, Esq., Q.C., M.P., Recorder of Bristol, Counsel to the Adm4alty, and Judge Advocate of the Fleet. R. Malins, Esq., Q.C.. M.P., Lincoln's-inn. Bridge-Street, Rlackfriars, London. Chief Office, No, 18, New Loans granted at 5 per cent. on real o r personal security. Annuities on most favourable te rms. uitable Diseased lives and lives de clined by other offices accepted at eq rates. For Prospectuses and further information apply to the agents in iincountry, or to C. W. Bevan, Resident Secretary. Agents wanted in all parts of the United Kingdom, MRIIIIIIIOB6 effected on the ordinary plan. Pamphlets, to be had gratis on application at the polishers (.97 kittSX =lain 0 pootan it4wp.) NV. 19,140.] • THE SECOND VOLUME OF THE CHEAP EDITION of LIVES of the QUEENS OF ENGLAND. By AGNES STRICKLAND. Wlll be ready with the Magazines, Feb. I. To be completed in Eight Monthly Volumes, price 7s. Gd. each, bound, illustrated with PORTRAITS of every QUEEN, and includ ing all ether late improvem ents. A Copious Indethirst and 'Hackett x. Published for Henry Colbu rn, by hls successor 13, Great Marlborough-street. Just published, in fcp. Bvo. with Two Plates by B. Herring, price 78. 6d half-bound, RECORDS of the CHASE and MEMOIRS of CELEBRATED SPORTSMEN ; illustrating some of the Usages of Olden times, and comparing them with prevailing Customs : Together with an Introduction to most of the Fashionable hunting Countries; and Comments. By CECIL, Author of "The Stud Farm" (55.), and "Stable Practice" (55.) London : Longman, Brown, Green, and Longman. NEW WOKE BY THE HON. G. F. BERKELEY. Just Published, in Bvo., with Four Etchings by John Leech (one coloured), price 45., REMINISCENCES OF A HUNTSMAN. By the Hon. GRANTLEY F. BERKELEY. London : Longman, Brown, Green, and Longman. NEW EDITION OF wcunocirs COMMERCIAL DICTIONARY. Jnst Published, in 1 vol., Bvo., of above 1,500 closely-Printed pages, price 505., cloth ;or 555. strongly half-bound in russia, A DICTIONARY, PRACTICAL, THEORE TICAL, and HISTORICAL, ofand CIAL 14AVIGA.TION : Illustrated wit c h Maps and PIans.COMMER- By J. R. M'CULLOCH, Esq. A New Edition, adapted to the Present Time; and embracing a large mass of new and Important information in regard to the Trade, Commercial Law, and Navigation of this and other Countries. **. A SUPPLEMENT to the Edition, published in 1852, will appear in a few days. London: Longman, Brown, Green, and Longmans. BENTLEY'S RAILWAY LIBRARY. On February 1, price 2s. bound, BASIL. By W. WILKIE COLLINS. Form ing the New Volume of Bentley's Railway Library. Richard Bentley, New Burlington-street: This day is published, price Sixpence, Ii HE BANK SCREW ; or, WAR and the GOLD DISCOVERIES in connection with the MOSEY MARKET. With a Proposition of a New, Simple, and Thorough Reform of the English Currency, in a LETTER to the Right Hen. W. E. GLAD STONE, M.P. By MALAOROWTHER THE LEIS. London : Houlston and Stoneman, 65, Paternoster-row. On February Ist, THE LAW and FACTS of the EASTERN QUESTION. LAW MAGAZINE, No. CII. London: Messrs. Butterworth, 7, Fleet-street, Law Publishers in ordinary to the Queen's Most Excellent Majesty. THE MAGAZINES PGA. FEBRUARY. COLBURN'S NEW MONTHLY MAGA ZINE —The February Number will be published on the 31st. Also, price 2s. 6d., the February Number of AINSWORTH'S MAGAZINE. Chapman and Hall, 193, Piccadilly. WITH A PORTRAIT OF L NU OUIS XVII., THE FEBRUARY MBER, Price, Half-a-Crown, of BENTLEY'S MISCELLANY WILL CONTAIN: i. Turkish campaigns on the Danube. 2. Aspen Court. Chapters XXXIII. to XXXVI. By Shirley Brooks. 3. Louis the Seventeenth. 4. Campaigning Life under the Duke of Wellington. 5. St. Januarius to St. Constantine. 6. Margaret of Navarre. 7. Arthur Arden, the Medical Student. Chapter IV. 8. Haps and Mishaps of a Tour in Europe. By Grace Greenwood. Sec., &c., &c. Richard Bentley, .New Burlington street. BLACKWOOD'S MAGAZINE. for FEBRUARY. No. CCCCLX. Price 2s. 6d. CONTENTS. Abyssinian Aberrations. The Quiet Heart. Part 111. National Gallery. A Glance at Turkish History. Macaulay's Speeches. Fifty Years in both Hemispheres. A Sporting Settler in Ceylon. Gray's Letters. William Blackwood and Son!, Edinburgh and London. " THE PRESS," No. 39, This Day (Saturday), contains, among others—The Coalition and its Manches ter Allies—Finance for Working men—Provident Institutions—Re minms on Poisoning—The Ecclesiastical Courts—'The Wreck of the Tayleur—Adminiairation of Trusts by Joint Stock Companies— Elegant Extracts from Unadorned Eloquence—Noble Pride of the City Corporation—The Admiral's Speech on board the Thetis—The Peelites, No. 3, by Jobs of the Funnels—The League in Council — Sketches of Radicals, No. 14—The Radical Rank and File—Litera ture: Memoirs of the Rev. Alexander Ross, and a Selection from his Sermons, with a preface by Archdeacon Hayden Florence the Beautiful, by Alexander Bernie Cochrane, Eeo.—The PrivatoLgAters of Sir James Brooke, K.C.8., Rajah of Sarawak, edited by John C. Templer, Esq.—Man's Conception of Eternity, an Examination of Mr. Maurice's Teeory of a Fixed State out of Time, by the Rev. H. L. Mansel, B.D.—Castellamonte, an Autobiographical Sketch illus trative of Life in Italy—Remarks on the three Proposals for Reform ing the Constitution of the University of Oxford, by the Rev. Henry Boothly Barry, M.A.—The Stratford Shakspere. by Charles Knight —Poor Paddy's Cabin, or Slavery in Ireland, by an Irishman — Periodical Literature Theatres Correspondence Mr. Aspinall Turner and " The Press," by " Tuebor"—together with all the News of the Week. " THE PRESS" is published every Saturday, at the Office, No. 110, Strand, price Cd. May bo had of all newsmen, and at the railway stations. Money orders to be made payable to Mr. Alfred bee. Just published, Bvo., in cloth, price 5 5. , b y p ost free 6s. THE PATHOLOGY and RATIONAL TREAT MENT of STRICTURE of the URETHRA, in all Varie ties and Complications. With Practical Observations on the Use and Abuse of Urethral Instruments. The whole illustrated by numerous cases, showing that this disease may be successfully treated by means at once simple and sate, even in its most inveterate and apparently intractable forms. By F. B. COURTENAY, M R.C.S.E. "We believe Mr. Corirtenay's experience in the treatment ot stricture during the last 20 years has equalled, if indeed it has not surpassed, that of any of his contemporaries, and we know of no man to whose care we would with greater confidence entrust the treatment of a severe case of stricture of the urethra."—Medical Circular, July 27, 1853. 11. Bailliere, 219, Regent-street. JOZEATTS COPAHINE-MEGE, or Saccharatt, C tPSULES, approved by the French College of Physicians, successfully administered in the Paris and London Hospitals, and acknowledged by them to be the best remedy for the cure of certain diseases (see " Lancet " 6th Nov., 1852.) Price, per 100, 4s. 6d. ; 50, 2s. 9(1.—T0 be had of the Inventor, Gabriel Jozeau, 49, Haymarket, London, whose name is printed on the Government stamp ; and all the principal chemists. ON THE SECRET CAUSES OF SELF-ACQUIRED MISERIES AND DISAPPOINTED HOPES. THE SILENT FRIEND. In Six Languages—Flitieth Edition. CONTAINING THE REMEDY FOR PREVENTION OF DISEASE. Illustrated by One Hundred Anatomical Coloured Engravings and Cases. New Edition, enlarged to 200 es, price 2s. 6d., by post, from the Establishmen p t. ag Ss. 6d. in stamps , THE SILENT FRIEND, a Medical Work on the exhaustion and physical decay of the system, produced by excessive indulgence, the consequences of infection, or the abuse of mercury, with directions for the use of the preventive lotion, fol lowed by observations on Marriage, and the disqualifications which prevent it. Illustrated by 100 C o loured Engravings. By R. and L. PERRY and CO., Consulting Surgeons, 19, Berners-street, Oxford street, London. Published by Sherwood and Co. 23, Paternoster :ow, and sold by Hannay, 63 , and Sange r, 150, Ox ford-street; Gor don, 146, Leadenhall-street ; 95, Farringdou-street ; W. Sutton, 10, Bow Church-yard ; Butler, 4, Cheapside ;R. Jobnson, 68, Cornhill. PART I. treats of the anatomy and physiology of the reproductive organs, and is illustrated by 28 Coloured Engravings. PART IL treats of the consequences resulting from excessive in dulgence, and their lamentable effects on the system, producing mental and bodily weakness, nervous excitement, and generative incapacity. Illustrated by 10 Explanatory Engravings. PART 111. treats of the diseases resulting from infection, either in the rimary or secondary form, and contains explicit directions for their treatment. This section is illustrated by 62 Coloured Engrav- ings. PART IV. contains a Remedy for the Prevention of Disease by a simple application, by which the danger of infection is obviated. PART V. is devoted to the consideration of marriage and its duties. The cruses of unproductive union are also considered, and the whole subject critically and philosophically inquired into. THE CORDIAL BALM OF SYRIACUM is exclusively employed in treating nervous and sexual debility, impotence, &c., its. and 335. per bottle. The Concentrated Deters i v e Essence, an anti-syphilitie remedy, for purifying the blood in cases of infection, secondary symptons, eruptions, and the abuse of mercury, its. and 335. per bottle. Perry's Purifying Specific Pills, 2s. 9d., 4s. 6d., and 11 s. per box, a certain remedy for gonorrhoea, gleet, stricture, and chronic inflammation of the blder. Consultation fee, if by letter, 1/. A minute detail ef the case ad is required page habits, and posi tion in society. 51. Packets, with advice, to be had at the Establish , ment only, by which the fee, 1 / , , is saved. Messrs. Perry, Surgeons, are in attendance, daily, at 19, Berners-street, Oxford-street, Lon don. from Eleven till Two. and Five to Eight; on fiazilsy from Eleven to One. MEDICAL ADVICE ON THE SECRET INFIRMITIES OF YOUTH mERT , AN MATURITY. BE M D A F T O U R R D I .Qu T s Y. DR. SAMUEL LA.' ARE, LONDON, Doctor of Medicine, and Matriculated Member of the U niversit y of Edinburgh, Do Licentiate Member of the London Hosp ital Medical Society , of Apothecaries' H 11 London, a , Sec., Sec. MAY be consul the various disorders f consulted, personally, or by letter, on resulting from juvenile I o the nervous and generative system, pro duced more misery in youth, and excesses, which have prema turepro- decay at all stages of life' d e gradation in manhood, and eases know n tomodern pathologists. than perhaps any other class of dis in the treatment of these diseases s as . Long and practical experience secret causes of self - acquired n . proved ei that th ere are in exist enceexistence, traceable to certain yer T ions es h and disappointed hopes in Debility, various forms of Insanity, Unhappy and Unfruitfhl Mari nes, impotency, Local and Constitutional Weakness, and their endless modifications owe their almost entire origin. It is absolute l y necessary that all men should know that there are principles of personal management which cannot be violated without incurring grievous penalties, and when wisdom and regret ne succeed s the heyday o f inconsiderate self-indulgence, how these penalties may be mitigated , how the sting of their bitterness may be and how the evil and its consequenc es may be avoided removed, , and above all, that there is scarcely any degree of physical infirmity or function l derangement to which the timely aid of science cannot apply a cure. a DOCTOR LA'MERT has for a long series of years been engag ed in an extensive practice in the treatment of these delicate com plaints, and is the only legally qualified Physician who, regardless of the taunts and envy of the hypocritical and mock-modest, has had the confidence, through the medium of the public press, to direct attention to these enormous evils, from which no grade of society is free. In selecting this department of practice, he has been amply rewarded by the great success that has attended his efforts in the treatment of these cases, which are too generally confided to the care of unqualified and ignorant eutpiries, who, with their pirated publications, assumed foreign names and titles, and pretended virtues of their patent nostrums, have inflicted serious ju on those who have been induced to place fa ith in their preteninsiryons. At home for consultation daily front Eleven till Tw o, and from Six till Eight. All letters must contain the fee of If., and advice and medicines can be forwarded to any initials to or Consult ddress. Dr. LA'MERT It is desirable that patients wishing c should first obtain a copy of his work on SELF-PRESERVAT ION. A. Medical Treatise on the Philosophy of Marriage and Nervous and fifty-coloured Debility, illustrated byfifty-coloured engravings, and des cribing in detail the various disorders resulting from secret habits and excesses. The perusal of this treatise will assist in the correct description of their cases, and may be had, price 2s 6d, in English, French, Spanish, Dutch, Italian, or German, of Messrs. Piper Brothers and Co., 23, Paternoster-row; Hannay, 63, Oxiord-street ; Mann, 39, Cornhill ; Stone, Titchborne-street, Haymarket ; or free by post for forty-two stamps, to any address frora the Author's rot eUce,37, Dr.nroau.squAlE LONDON. • -- 7" - " -- " --- cit. 4 l. --- " .-- " -- ...,_=- -- --=,-,-......--.------ . _ ..-----) -.. 'IS .. /i i • - ,:,, 1i -,- - i 1 ' 41,1: 14') ;., , , ..,7 * 46 f• ,1. t, illik.. - ~_.:,.... ti 1 / 4 _ 74 ',0,.."': 74..:44 1 Vte Z 4.,,,, 4 4.7. ,, , ..._ , ~ v.,, .. „ 4:, .. , ------ N „) 7,,1:, r, ' .I` .' ', oc . • (-/. 11.- • 14.4,, 2114 (14 . .-.... 4 , ( ..'s -.- , ...I• ,:* :' ' O*A I , ;11A • le"., • ---- -:4 , Z:Y' •., ~. ro..r S , • . \ \ t l itt ..,<y", , 7.0 1 . ~•. - ~., , : -.. i i, i., ..,~- ~.. V o .- • ..i4 -,. _..--.. , 1 2y,' ' '„„ y• 4,e, , • -:::::,---:_.::,-(-:;::'\',' + 0 • , ~t, . ,*,,, r ,„ ...‘ ;. - • -. "k.:, , ,•1 , 4: 'N - 4 .-r 4 F-' - ''' 4''' 1-7 ,- 4 ~ l. i ~•11-9 , 014 ..,,,, .., ~.. I ,:-. ' 1 ' , ~5 - V „ .„`,..' -,,,.. . • / ~:. iorfAv.. o .l - •. ---., , / r - 72:1 4 x v ~, --t., ,~.. -P-r.••:, v 4 , ,,, .4 DIFA ) ' ' 5.; ' ''',l ,1 , .:1 1 P . 41; ," ,A •!,,'.,Z'..f.rZ1.1 . 9 . 1 . :r I ....• l'. W [PRICE 5334. ii-,4,4.,e ants, and left the inmates free to indulge, we can scarce picture to ourselves the horrors of the abode. Instead of employing themselves industriously and usefully, we should hear of nothing but riot and confusion ; instead of listening with gratification to the charms of music, or joining in good humour and good order the movements of the dance, they would well-nigh have become an assembly of demons, and instead of erecting a chapel for their in struction, to lead them to the foot of the Saviour, the clanking chains and the horrible prison would have been again to be provided. (Loud cheers.) But as these good and wise men have acted with the sanction of the magis trates and Government of' the country, so do we, my friends, endeavour to act on our own responsibility, as far as our limited means will allow, for the well-being of the young people of the families of Hanwell, and the time will come, I trust, when the Government will themselves see the importance, nay the paramount duty, of encourag ing mutual improvement societies in every town and vil lage of this mighty empire, entrusted as it seems to be with the moral and religious interests of the inhabi tants of a world. There is much on other points that I would wish to say to you, but I would not longer interrupt the business of the evening—(go on) —only let me entreat you all to labour to the utmost of your power, and endea vour to add active members to the society ; men who will not only join us, but improve us ; men who will not only give us their money, but their mind. You cannot con ceive, until you try, how much each of you, even the humblest, may instruct and edify his neighbour, and thus do his duty iu the station in which God has placed him, at the same time that he will most effectually improve himself. And here let me for a moment refer to a class of men from whom we have not hitherto derived so much as sistance as we might expect, and who aro evidently them selves unaware of the powers they have if they chose to exert them, or what benefit the exertion of those powers would be for themselves. I refer to the tradesmen of the place. We have received lectures on the various branches of science, and the fields of history and geography have been traversed over most ably and most kindly by our friends, present or absent—but that which would tend, perhaps, more than anything else to interest and amuse, and im prove us, too, is information upon common things, and the requirements of our daily life, and this information might be given most satisfactorily by the grocer, the baker, the draper, the shoemaker, and the tailor. You may mile at the idea, but depend upon it, if you would make the attempt, there is not a young man amongst you who would not be able, with the aid of the books which P m 3urlibr4l7 su p plies and y our own experience, to ad& very d a: at the ch to the f un d o f k now l e d ge o f th e w isest amongst us, sametime find that, -whilst teaching otherb ' you would yourselve s be taught. Now do not misunderstand me. lam not asking you to inform me how much sand may • be mixed with sugar , or chicory with coffee, or how advan• t a geous it really is to mix potatoes and other substances with the flour to produce a useful and profitable article ; how, by being careful of a nail, yards and ells may be saved, or the beneficial account to which remnants are often turned, or what sort of stuff you find most suitable for the soles of your customers, or what is the derivation or popular meaning of the tailor's cabbage, or the tailor's goose. Questions of this kind it is not to be supposed could be answered from experience by the members of the Hanwell Mutual Improvement Society. The infor mation which you would be enabled to give, and which we should desire, would be of a perfectly different na ture. The young grocer in looking round his shop would find so many subjects that he would scarcely know where to begin. The sugar he would find sweeter than, ever. The tea and coffee more refreshing and more valuable than before. Oil and candles would shed a light which has never been imagined since the time that carbnretted hydrogen gas was first introduced. The vinegar would become a delicious draught, the pro perties of the mustard and pepper incalculably improved, and, in fact, the whole warehouse become a mine of infor mation of the most valuable character. So, too, with the baker and the other tradesmen. You might think of going to California and Australia for gold, but you would find that you have treasures at home, of which you were not aware, which you could impart, too, with advantage to your neighbours, and add to your own stock of wealth at the same time. You will, I am sure, at once perceive what I mean. To take only one article, and that may guide you in the rest. Let for instance sugar be the subject of your lecture—how much valuable information could you give us in which the books in your library would so materially assist. Some would like to know what sugar is : others where it comes from ; others how it grows—when first introduced ; how it is cultivated ; whence the different kinds of sugar ; why is some white, some brown ; what process does it go through in manufacture ; and many other points with which y on may, perhaps, be acquainted, but which some of us are not. Or, if you like to break off into moral questions, there is the one of slavery closely connected with the subject. You see, then, you young grocers, that there are sweets in sugar which your customers have yet never tasted, and which you cer tainly had no idea of when you were satiated with the stolen lumps you have heretofore enjoyed. Now, that which the grocer does with his sugar, the draper might do with his cotton ; and whilst the intelligent young tailor entered into a description of his various cloths, the pecu liar qualities of the Yorkshire and the West of England manufacture, and (larded for us the merino and the Austra lian wools, the young shoemaker might, in enthusiasm for his craft, prove to us that there is nothing like leather. You may, perhaps, doubt the possibility of accomplishing this, but pray tell me why ? Are you not able to read ? Are you not able to write ? Are you not able to think ? Then go to your library ; take down from the shelves a volume of the Cyclopiedia which you will find there ; reed the descrip tions there given of the subject you propose to take up ; write down that which your reason will tell you will be most desirable to know ; digest well what you have written, and come and tell us the result of your reflections, and you will be able to give ns information on commonthings, more useful for us to know, and more profitable for you to im part, than if Nee ton were present to carry us among the stars, or Bacon to explain to us the grand principles of his Philosophy. Time will not allow me to proceed, but I have said enough I hope to show you that you tradesmen have only to resolve and you may give us the most valuable information, and promote most successfully the objects of the society. And in doing this you will be promoting your own object and your own interest in another way. Vast numbers aro now exerting themselves to effect what is termed the Early Closing Movement. Now some of your best friends may doubt the desirableness of the object when they consider the evils of idle ness ; but once prove to them that you will employ your leisure in the improvement of your intellectual and moral faculties, and their prejudices, if they be such, will be entirely removed, and, doubtless, then a wise and paternal Government will pass laws in your favour, of which now they might be afraid to make the experiment. But whilst thinking of what may be realised, we must not forget what has been actually done in the year that has just passed. In addition to the lectures already referred to, you have been carried down into the coal mine, and examined its conformation anti its (rases ; you have seen specim ens of the primeval forests, of ages long anterior to the present race ; you have been conducted to Australia, and heard enlivening descriptions of that land of gold—so full of attraction to the youthful imagination, so full, too, of moral crime and human depravity. " Let no one admire," says Milton, " that riches grow in hell ; that son may best deserve the precious bane. You have been likewise gratified 1):7 readings in Shakspere, and the beauties of Uncle Tom's Cabin have been faithfully pre sented to your notice. You have been at one time taught the application of the principles of geometry, whilst you have been at other times charmed and cheered with the voice of a King, if not of a Queen. If we look to the Financial Statement which will be soon read to you, you will find much to gratify you. Your subscriptions for the year have considerably increased. Our fete, at which hun dreds of your neighbours were present and enjoyed them selves, not only cost you nothing, but added to your funds, although you have doubled your newspapers, to say nothing of your periodicals, and additions to your library, you have a larger balance in the hand of your treasurer for future objects of the society than you have had at the termination of any previous year. 'Whether then we look back upon what we have already done, or for ward on what we hope to do , we ha ve, y ou see, my friends, much reason to feel confidence in the working of our so ciety. But our motto must be still forward. Past success must only urge to future victories, and we must not stand still until all who want improving, or are willing to im prove us, be induced to join our ranks. Ge, then, when you separate this evening, and determine, ere another an niversary come around, if God in his mercy so long spare your lives, that there shall be no one of your neighbours and friends who is not made acquainted with the principles of the society, and urged by all your influence to come amongst us. Tell them that we aro ready and willing to receive them, that for a less sum weekly than will procure them a good cigar, or a single quart of ale, they can bo entitled to the privileges of a society formed especially for their improvement and well-being. That our aim is to make the drunkard sober, the idle industrious, the ignorant intelligent, and to raise those who have debased themselves a lmost to the level of brutes t o the honour and dignity. 9 man—that when they are themselves improved theyl still will be employed in imp rovin g others, and t i l i iat w derew struggle on, until, as we havel near n ! a Mod I Asylum, as go:plort cease, but throw_h evil r e p ort and throug _ we ye raised a model Chur ch, so will we b y God's bles sing endeavour to carry on this useful, this important so ciety, until it becomes a model for improvement and edu cation which every village, town, and city in our country will do well to imitate. Then, even if we partially fail, we shall be sure of accomplishing much, and have the de lightful satisfaction of knowing that our efforts have been made in a good cause, that we deserve, if we do not gain, the support of all, and we may feel assured of the appro bation of Him whose life was spent in doing good to those around Him, and who lived and died to promote the wel fare of mankind. At the conclusion of his address, the rev. gentleman was greeted with loud cheers. LONDON, SATURDAY EVENING, JANUARY 28, 1854. THE ROYAL BRITISH BANK, Incor porated by Charter, on the Scotch System, ALLOW INTE REST on the fluctuating balances of drawing accounts, and on de poeits of any amount for fixed periods, calculated from day to day at rates varying from ONE to FOUR, per Cent. per annum. Grant cash credits and advances on convertible securities, and issue circular and promissory noto, and hills of exchange in TRIPLICATE, negotiable by the Bank's correspondents at every place of any hnportance at home and abroad, without charge to the bearers. Copies of the detailed terms of business, and any further information, will be supplied at the Bank, Tokenhouse•yard ; and at any of the branches-429, Strand; 77, Bridge-road, Lambeth; 97, Goswell-road, Islington; and 1, Shaftesbury-terrace, Victoria-street, Pimlico. By order of the Court of Directors. 11U311 INNES CAMERON, General Manager. ART UNION of LONDON (by Royal Char ter).—Every Suhszriber of One Guinea will have an Impres sion of a large plate of deep national and historical interest, .I'IL BURY FORT ; WIND AGAINST TIDE," by J T. Wilimore,A.lt A., after C. Stanfield, R. A.. The impressions will be ready on the 13th of next month. Each Prizeholler will be entitled to SELECT for HIMSELF, as heretofore, a Work of Art from one of the Public Ex hibitions. GEORGE GO DWIN,I Honorary LEWIS POCOCK, .5 Secretaries. 441, West Strand, 14th January, 1854, WAREHOUSEMEN and CLERKS' SCHOOLS for ORPHAN and NECESSITOUS CHILDREN. Notice is Hereby Given, that the next MEETING of the SUB SCRIBERS to this Charity will be held at the GEORGE HOTEL, Aldermaubury, on MONDAY, the 30th January instant, at Half-past 6 p.m. precisely. Offices, 12, Bread-street, Cheapside. GEO. LAWRENCE, Hon. Secretary. ANNUITIES ON THE MUTUAL PRINCIPLE AFNGINEERS', MASONIC, and UNIVERSAL MUTUAL LIFE ASSURANCE SOCIETY. 345, Strand, London. PURCHASERS OF ANNUITIES ADMITTED TO PARTICI PATION IN THE PROFITS. Policy gtamps paid by the Society. Assignments of Policies Registered Free of Charge. A Liberal Commission allowed to Solicitors and Agents on the introduction of business. ANTHONY PECK, M.A., Assistant-Actuary. - UAW LIFE ASSURANCE OFFICE, ALA Fleet-street, London, January 2, 1854.—NOTICE Is HEREBY Gavxu, That, a GENERAL MEETING of the Proprietors of the Law Lite Assurance Society will be held at the Society's Office, Fleet-street, London, on THURSDAY, the 2d day of February next, at half-past 11 o'clock in the forenoon, pursuant to the provisions of the Society's deed of settlement, for the purpose of receiving the Au ditors' Annual Report of the Accounts of the Society up to the 31st of December, 1853; to elect two Directors in the room of Anthony Brown, Esq., deceased, and the Right Hon. Samuel March Phillips, whose name was withdrawn at his own request when proposed fox re-election in June last ; and for general purposes. The director to be chosen in the room of Anthony Brown, Esq., will remain in office until 24th June, 1855. The director to be chosen in the room of the Right Hon. Samuel March Phillips will remain in office until 24th June, 1857. By order of the Directors, WILLIAM SAMUEL DOWNES, Actuary. GRAND TRUNK RAILWAY COMPANY of CANADA.—Notice is Hereby Given, That the Directors have made a CALL of 21. 10s. on each and every share of the A series of the company, and a CALL of 10 per cent. on each class of the De bentures of the company, payable at the Bank of Messrs. Glyn, Mils, and Co., Lombard-street, London. The said Calls are due on Monday, the 6th February, 1854. If not paid on or before that date, interest at the rate of 6 per cent. per annum will be charged on those in arrear. Shareholders have the power of paying up the whole or a portion of their shares in full, and interest at the rate of 6 per cent. per an num will be allowed on all sums paid in anticipation of Calls. The Directors further give notice, that by a recent Order in Council to the Government of Canada, the Debentures of the Province will be issued in January next to those shareholders who shall pay to Messrs. Glyn, Mills, and Co. 51. per share (that is, 21. 10s. per share in addition to the Call now advertised) on each of their shares, and in full on the Debentures of the Province to which such shares are entitled By order of the Board. WILLIAM CHLPMAN, Secretary. 2, Leadenhall•street, London, Dec. 3, 1853. LAURENT'S CASINO, ARGYLE Rooms, (Lessee, Cuss. C. LAnamit, Onslow-house, Fmaam-road), The above Rooms are now OPEN FOR THE SEASON. and will continue open every evening, with LAURENT'S CELEBRATED BAND. Admission, Is. Doors open at half-past 8 Dancing to commence at 9 o'clock, and terminate at half-past 11. WESTMINSTER ABBEY or VICTORY.— NELSON at the BATTLE of ST. VINCENT.—LEGGATT , HAY WARD, and LEGGAT r beg to inform their patrons and friends, that T. Jones Barker's last grand historical PICTURE of NELSON RECEIVING titheD from the vanquished officers on the quarter-deck of SAN JOSEF, on the memorable 14th of Feb ruary, 1797, at he Battle of St. Vincent, is NOW ON VIEr at their Gallery, 79, Cornhill. Court Circular, Nov. 24, 1853.—Windsor.—" Messrs. Leggatt had the honour of submitting to her Majesty and his Royal Highness Prince Albert Barker's painting of Nelson receiving the swords of the officers on , the quarter-deck of the San Josef after the battle of St. Vineent." In consequence of the unfavourable state of the weather, the pic ture is exhibited by gas-light, and may be viewed from 10 till 6. IIINGARIAN PROMENADE CONCERTS. —Admission, Is.—ROYAL MARIONETTE THEATRE, Adelaide-street, West Strand—Every EVENING, at Eight, by the renowned HUNGARIAN B AND, whose performances have created such intense interest throughout the leading European cities. The programme is varied nightly, and includes the finest compositions of ancient and modern masters, as well as Hungarian and other na. tional Melodies, Mazurkas, Waltzes, Galops, and Quadrilles. Ka lozdy, conductor. Soloists—Flugelhorn, Horanyl ; clarionette, M. Augarde; piano, Miss J. Warman. Vocalists The Misses Brou3ham. Morning Performance, Wednesday and Saturday, at Three GLENFIELD PATENT STARCH (used in her Majesty's Laundry), and WOPIIERSPOON'S Machine made CONFECTIONERY, MARMALADE, JAMS, JELLIES, &c., (which gained the Prize Medal of 1851), may be had of all Grocers ; Wholesale of WothersPoon, Mackay, and Co., 66, Queen-street, Chea p s ide, London, and Robert Wotherspoon and Co., Glasgow. A GENTS WANTED for an established LIFE and FIRE AS3URAINCE COMPANY. Commission allowed, 25 per cent. upon new Life Premiums, and 5 per cent. renewal, also 15 per cent. Fire Premiums, new and renewal, with any necessary charges such as postage, 80. Address to C. Y., 4, Broadway, Lud gate-hill, London. • THE WELLINGTON (late Crockford's) CLUB DOUSE, entrance 160 Piccadilly. Gentlemen visiting Lon doe can dine in the Splendid Dining Rooms of this celebrated esta blishment at a very moderate scale of charges. The Dining Room is the largest in London ; the Cooking first-rate ; and the choicest Wines are supplied in the Imperial measure. Reading and Smoking rooms are open for the accommodation of gentlemen after dinner. ---------- CLOSE OF HOLIDAYS. Th© - return of Youth to their respective Boarding-Schools induces a solici tude from parents and guardians for their Personal Comfort and Attraction, and ROWLANDS' MACASSAR OIL, for accelerating the growth and improving and beautifying the hair, ROWLANDS' KALYDOII, for improving the skin and complexion, and removing cutaneous eruptions, and ROWLANDS' ODONTO, or Pearl Denti fr!ce, for rendering the teeth beautifully white, and preserving the gums, are considered indispensable accompaniments for the attain ment of those Personal Advantages so universally sought for and a imired. Beware of Spurious Imitations. The only genuine of each bear the name of " ROWLANDS' " preceding that of the article on the wrapper or label. Sold by A. LOWLAND and SONS, 20, Hatton-garden, London; and by Chemists and Perfumers. ANOTHER NOTE. ANOTHER Note is sent to Russia, possibly perfumed with gunpowder : the Principalities are to he relin quished, and the Northern forces to retire. Notes of Interrogation ? and Notes of Admiration! are the notes most applicable to the Esta blishments of E. MOSES and SON. For the advantage of those who are not thoroughly acquainted with London, it is necessary to ob serve that E. Moses and SON'S gigantic houses of business are, Minories and Aldgate (opposite the Church), and their West-end branch is New Oxford-street, corner of Hart-street. But many ask, what are E. MOSES and Sots? They arc the most noted merchant tailors of the age ! The producers of the best fitting, the best made, and the most fashionable Clothing in the world ! For whom do they make it ? For noblemen, clergymen, men of business, mechanics, and all others ; for adults, youths, and children ! What are their charges ? The most economical prices are asked for first-rate articles ! What do they make besides attire? Shirts, the best in materials, the most fashionable in make, the most elegantly em broidered, and the largest quantity of plain shirts (in all sizes) which were ever made by any house of business ! They also make every article of clothing for ladies, for which they charge the most econo mical prices. What do they make, and what do they 85:11? All fashionable articles of hosiery for ladies and gentlemen. Furs, hats, caps, boots and shoes, &c., and the best selected outfits for emigrants to any country or climate. CAUTION.—E. MOSES and SON regret having to guard the public against Imposition, having learned that the untradesfnan-like falsehood of "Being conneeted with their Establishment," or " It's the same concern," has been resorted to in many instances, and for shvloas reasons, they beg to state that they have No CONNEXION WITFT ANT OTFIER. 110179 E IN OR OUT OF LONDON, except their own Establishments, as follows : London City Establishment, 154, 155. 156, and 157, Minories, 83, 44,145, and 86, Aldgate, opposite the Church, all communicating. London West-end Branch, 55)53, 507, 508, Now Oxford-street, 1, 2 and 3, Hart-street, all communicating. Bradford (Yorkshire) Branch, 19 and 20, Bridge-street. Sheffield Branch, 36., Fargate. Colonial Branch, Melbourne, Australia. Merchant Tailors Clothiers, Ratters, Hosiers, Furriers, Boot and Bhoe Makers, and General Outfitters for Ladies and Gentlemen. IMPORTANT.—ShouId any article not give satisfaction, it will be exchanged if desired, or, if preferred, the money will be returned without hesitation. All goods arc marked in plain figures, the lowest price, from which no abatement can be made. The Establishments are closed from sunset on Fridays to sunset on Saturdays, when business is resumed till 12 o'clock. A new Book, " The Epitome of Comfort and Economy," contain ing full lists of prices, our system of self-measurement, &c., may be had on application, or post-free. A handsome Almanac for the year ending 1854 can be had. gratis on application. Ica I'on pule Francais. Qui si parla Italian. icier ppricht man Deutsch. Mun ae babla Espano UNITY FIRE INSURANCE ASSOCIATION, Registered pursuant to Act of Parliament. Chief Offices-40, Pan-Mall, London. REPEAL OF THE GOVERNMENT DUTY' OF THREE SHILLINGS PER CENT. ON FIRE INSURANCE. It has been the aim in modern times to arrange a system of taxa tion which, while it supplied the exigencies of the State, would leave commerce unfettered, and equalise the burdens of individuals." The various changes which have been lately made need not be here reca pitulated. The principle is affirmed, and the removal of all fiscal ano malies can only be a question of time. There is, however, one tax so anomalous, so unjust, so cruel, so opposed to the avowed policy of the Legislature, that it demands especial and energetic effort on the part,of the public to seek for its abolition. The duty on Fire In surance is a tax indefensible save only by the ne essity felt at the time of its imposition. An impost was then levied on every thing which could by any possibility be taxed. It was in the year 1815, by the act 55 Geo. 111., c. 184, that the duty was first imposed, and which has remained to the present time unaltered, of three shillinga annually for every hundred pounds insured from fire. Fire Insurance Associations are practically the subscription of sums of money by the multitude to save individuals trom ruin by a sudden calamity. A tax, therefore, on this subscription is opposed to the whole theory of fiscal legislation, and forms at once an aggra vation of distress and a premium on improvidence. Loss by fire, were it not covered by insurance, would frequently be ruinous to individuals, and injurious to th e wea lth o f the country. Associa tions, therefore, of the people to prevent a rain which legislation can neither avert nor restore, so far from being prejudiced and oo pressed by fiscal burdens, ought to receive every assistance and encouragement from the Government. But in fire insurance, the Government not only does not protect the people, but it absolutely prevents protection; for many persons remain uninsured, or are insufficiently insured, merely because they cannot afford to pay the duty. INJUSTICE OF THE TAX. The tax on fire insurance is unjust in principle. It is a tax upon calamity. Men are liable to the inroad of a secret enemy, whose advent cannot be anticipated—whose devastation cannot be averted —and who carries ruin in his train. To save himself from this ruin and devastation, the insurer pays a sum of money in combination with others for mutual protection. Having the opportunity, if a man neglects to insure his property, he commits an injustice on his fel lows, on the country, and on the Government. The destruction of his property leaves him a pauPer, and a claimant on the in dustry and resources of others. By the consumption of his goods , he abstracts a portion of the wea'th of the country, which he has no power to replace. He probably casts out of employ those who have been dependent on him for labour, without the power of reinstating them. And by pauperising himself, he no longer pays his Edit pro portion of the expenses of the State. But if his neglect be an injustice, how much more unjust must be a Government impost upon the man who insures his property, and thus saves the wealth of the country, defends himself from pau perism, and continues to contribute to the expenses of the State ? What would be thought of that government which imposed a tax upon a man whose property had been consumed ? Though it would be more palpable, it would not be more unjust than the taxation of another because he had already providently taxed himself, to pre serve his property, and the wealth of the nation. The impost, moreover, is indefensible, because it does not come within the primary principles of taxation. One of the first principles of taxation is, that the tax shall press as evenly as possible on all the subjects of the realm. If we try the duty on fire insurance by this test, we find that the largest properties in the kingdom wholly escape taxation, Men who have a large number of ships, for in stance, do not insure, because they get such an average of loss as to insure themselves one ship against another. It is possible to ima gine property over which the individual loss of each item would be less than the amount required tolnsure the whole. So that, in fact, the largest holder of property, since he did not insure, would evade the duty which must be paid by the poor man who insures a few chairs and tables. The man, therefore, who does not insure his pro perty escapes taxation. The effect of this hnpost is, that he who does his duty to the State shall be taxed —he who neglects his duty to the State shall pass free. Taxation of the people, also, for the exigencies of the State, is only righteous when it yields protection in return. In Fire Insurance the Stateyields no protection whatever. A man may have insured his property, valued at 1,0001., tor 50 years : during which time he will have paid 371. 10s. to the Insurance office, and 751. to the Govern ment. At the expiration of that time, if his property be consumed, the Office will pay him 10001., while the Government knows nothing, and cares nothing for him or his misfortune. Triedby this test, again the tax is therefore indefensible ; and no more reason could be given for its imposition than for a tax on fire engines, fire escapes, water mains, or other engines or appliances for the avoidance of calamity. IMPOLICY OF THE TAX. Not only is the Fire Insurance duty unjust in principle, bat its pre sent mode of imposition is impolitic towards the exchequer and to the community. It is the avowed aim of the Government to aggran dise the wealth of the kingdom, and to preserve, as far as possible, even individuals from pauperism. How mach greater is its duty to foster and encourage provident habits in the people, and to unfetter ` all Institutions which lead to these results. Whatever promotes the welfare of the people, is necessarily a benefit to the Exchequer. The Fire Brigade which saves a mass of property from destruction, pre serves a property to best Ilrated for revenue. The Insurance Office that guarantees an individual from sudden ruin, preserves a taxpayer to the State. To cast difficulties therefore in the way of Institutions which preserve the insurer from ruin, and to impose a tax which acts as a prohibition to insurance, is un q uestionably im politic when viewed merely in its influence upon the Exc h eq uer. It is holdin g out a premium upon improvence, and encouraging men to leave to chance that safety and immunity w hich they might with certainty have secured. If a man does not insure his property and a fire consumes it, he has committed an injustice u p on the community. The more nearly then he assures his property to its real value, the more just he is to the community. But the more he exhibits this sense of justice, the more he is taxed by the Government. Such a man is not taxed for his wealth, but for his prudence and s ense of justice. An anomaly which admits of no defence. . OPPRESSIVE CHARACTER OF THE TAX. The oppressive nature of this duty *upon Fire Insurance is also totally disproportioned. On common insurances, the premium charged for insuring property is Is. Gd. per cent., while the duty is 3s. per cent. This is 200 per cent. for no benefit upon what the office charges for securing the property of the insurer. On artizans, and ethers of the great industrial classes, the imposition is still more grievous, and to them it acts as a complete prohibition of the advantages of insurance. In one particular—that of tools of handi crail—the sympathies of the community have very lately been strongly excited by the total loss of the implements of the arti zans, where a fire has unfortunately taken place. These men have not only been thrown temporarily out of work, but have been also deprived of their means of earning a livelihood, or cast on the eleemosynary assistance of benevolent individuals. The artizan does not require this. He only asks that fanilitioa mar ha wins!, him, that he may insure his chest of tools and the implements of ,his trade, without contributing 200 per cent. to the; Government for which he receives no return whatever. EFFECT OF THE TAX ON INSURANCE. The pract cal effect of the tax is exhibited in the small amount of •procerty insured in comparison, both with the insurable property of the country, and with the insured property of other countries, where no such prohibition exists. The value of property in Great Britain and Ireland is 4,000,000,000/4 and the value of insurable property has been estimated at half that sung. The amount of property insured in all the offices in Great Britain is eight hundred and fifty millions, realising a Government revenue of 1,100,0001.. whereas the insurable amount of property in Great Britain being estimated at 2,000,000,0001., would yield, if insured, a Govern ment duty of 3,000,0001. These returns show that one-third only of the property of the country is insured against fire. This esti mate is proved to be correct by the return made of fires actually occurring. The total number of Fires in the Metropolis in 1852 was 923. Of this number 442 were insured for building and contents, 124 building only, 74 contents only. Of these experience would teach us to c-ti mate that the property consumed was only insured to two-thirds of its value. The numbers would therefore stand thus : Building and contents insured.. •• •• •• • • 2 1 5 Building only in5ured.............. •• .. •••• •• • . 83 Contents only Insured...". •• •••••• • • • • • • ••• • • 24 T0ta1.....• 302. - - It will thus be perceived that out of 923 Fires, in only 302 instane es or less than one-third, were the parties fully insured. This is a prac tical evidence of the operation of the Government duty as a prohibi tion of Fire Insurance. We have further proof of this by comparing the amount of property insured in Great Britain with that of other countries. The figures stand thus : France....., „ „ _L1,415,000,000 Germany ..... 1.05,000,000 United Kingdom 850,000,000 The insured property of this country, by this return, is shown to be nearly equalled in Germany, and to be exceeded by Five Hundred and Sixty-five Millions Sterling in France. We have here, then, a duty imposed by Government which is shown to be unjust, anomalous, and impolitic in theory and prin ciple, and in practice injurious to the best interests of the com munity. There is no one who would be so mad as to leave his property, whether small or large, either uninsured or insufficiertly insured, if he had merely to pay the rates of premium which fire insurance associations have found to be sufficient to meet the risk incurred. It is the difference between Is. 6d. per cent. and 55. 6d. per cent. imposed by the Government duty and the Government stamp, which causes the most provident and prudent country in the world to leave two-thirds of its property uninsured. A pro gressive Government cannot suffer snch an anomaly to exist. The tax is so unjust and so obnoxious that efforts must be made for its immediate repeal, or if that cannot be obtained. then such a modification of it as will remove its injurious effect upon the community. Mr. J. R. M'CULLOCH says— " Perhaps the duty on Fire Ins urance i s the most objectionable of ex i s ting Stamp duties. It amounts to 3s. per cent. on all property insured; whereas the premium paid to tne Insurance Office on ordi narily hazardous property, is no more than Is. 6d. per cent., or on l y half the duty. Thus, if a person wish to insure 1,000/. on a dwel a shop, warehouse, or o th er com monly hazardous pro perty,ays 15s. to an insuran ce o ffi ce as an indemnification for itih''eg-rbiskhuese l; , and 30s. to Government for leave to enter into the transac tion ! So exorbitant a duty cannot be too severely condemned. It disriourages that providence and forethought, the encoura4ement of w hi c h ought to be an object with all prudent Governments ; and it is the pr i nc ipal cause that mu c h property i s no t insured, and that what is insured is seldom sufficiently covered. Every individual, in fact, who insures any commonly hazardous property is obliged to pay three times as much as the risk is really worth ! Under such circumstances, the wonder certainly is, not that a great deal of pro perty is uninsured, but that such is not the case with a great deal more. Seeing the vast importance of insurance, it may well be doubted whether it ought to he charged with any duty, however dutyslight.Butwereth:_ oula fixed at 6d. per cent., its influence in re pressing insurance not be very sensible, and the increase of business to which such a reduction of the duty would lead, would be so very great, that we have little doubt that in a few years the re duced duty would yield nearly as large a revenue as is derived from the present exorbitant duty."* MiCrtlioeh's British Empire (3d edition) vol. IL, page 209, t Fortes Progress of the liatio9: l , page 597. Mr. PORTER also observes— " If it be desirable—and who can doubt that it is so ?--that all per sona should secure themselves from losses arising through accidents beyond their control, it must then be held unwise to subject law aneeto taxation; and when, as in this country, the tax thus levied amounts to 200 per cent. upon the sum required by the Insurance offices to cover the ordinary risk from accidents by fire, the degree of discouragement occasianed by the duty must needs be very great. It is not only by reason of the h ecurt m arising d to e individua ls, security arising to individuals, amounting often to the prevention of beggary, that Insurances against fire and upon lives are beneficial ; they exercise a good effect upon the country generally throng's the accumulation of savings which they cause. The money, as It is paid to the Insurance offices, is beneficially employed, and made to stimulate in one way or other the industry of the nation; and wh, en called for by the arrival of the nents were meant to provide , it contingency t pro portion of cases the money is s o y cer tain against t ha w o h n i c a h t a h rg e e p a y much clear gain, becase without s uch a resource the premiums out of which it is pr Would Would have been unprofitably consumed:l ADVANTAGES OF THE I tEPEAL OF THE TAX. The advantages which would acct ,ue from the repeal of the duty on Fire Insurance vast amount th at 31. per cent. would be saved P roperty throughout the kingdom, pr f ot ected in a commercial sense from tnootwheunitisnsisturerera. wAouldthenbe lire ; and the wealth which is now c onsumed would be replaced. But above all, it would lead to the insu ranee of the property of thevol poor, and of those who are now by the s lightest calamity by fire involved in almast irretrievable ruin. It is scarcely surprising that when an office can afford to insure property at Is. 6d. per cent„ the poor man hesitates when he finds the premi urn and duty and policy together amount to ss. 6d. Thus he leaves his property uninsured, and in Rail takes his chance of a calam it y which may , never happen. Suppose way Insurance there were a duty of r 200 per cent., how many of those who now seldom travel without vat' lopting it would then avail them selves of the system? It is in uto inveigh against improvidence while our statutes actually discou rage prudent forethought. There is no reason why Fire Insurance hould not be universally adopted. There is no reason why the artisan t should not leisure his implements and the servant her box of clothe s—why the tradesman should not insure to the value 'of his goods, a Ad the rich man to the extent of his possessions—save an unjust it npost which makes him pay 200 per cent. for nothing. MODIFICATION OF THE TAX. Although the Flee Insurance dui ,y is unjust iI. principle, and in - jrtrimis in practice, still it is possib' it may not be altogether got rid of at once. There has been a g rest tendency in the Government towards gradual repeals of anv tax ation, however obnoxious it might be. Itohould not be so ins his ins lance. But it has been thought better to provide for t ternat' tve,—that it the repeal cannot be effected, at least, a modification • :nay be obtained. Hospital, infir maries, and farming stock, have been already exempted from this burden. By the 7th Victoria, cap. 21, the duty on Marine Insurance was reduced. The duty on marint risks of less than 10s. is 3d. per cent., the duty graduating upware is in proportion to the premium. It is, therefore, proposed to ask for a repeal of the Fire Insurance be greatly modified. The reduction of the duty, or that it may stamp on the policy from one sh Ping to on, penny, and the re duction of the duty from 3s. to 6d. er cent., would not only re move the prohibition against firm r insurance among the industrial classes, but would lead to such a n increased insuranro of property as to yield a revenue in excess of that now collected. It must be remembered that the present rate is prohibitory — that but one-third of the propert yof the kingdom is insured — that there is no reason but the high duty, why the whole of the pro perty of the kingdom should not be insured. The present amount of revenue at 3s. per cent. is 1,100,0001. If the whole insurable pro perty of the kingdom were insured, with a duty of three-halfpence only per cent., it would yield a revenue of 1,250,0001., or an increase of 150,0001., per annum, above that now obtained from the Three Shilling duty. This modification is moreover the form which our various pro. gressive measures have pointed oat. High duties, wherever they can be evaded, are found to be no more advantage to the exchequer than high prices to the till of the shopkeeper. The reduction of postage from its former • prohibitory charges to one penny, has brought increase insteao of loss to the revenue. The reduction of the expenses of transit have caused an enormous increase in the receipts of the Railway and Steam-boat Companies. The reduction of Omnibus and Cab Fares have led again to increased profits. The reduction of receipt stamps to the uriform penny will secure a corresponding revenue, honestly paid. and avert the continual fasud practised on the old system. These intelligent:reforms, then; which set the masses letter-writing and travelling, will, if applied to the Fire duty, set the masses insuring. REASONS WHY THE UNITY HAS ORIGINATED THIS MOVEMEST. The co-operative power which the Unity Fire Insurance Associa tion possesses, and the vast territory over which its appeal can be made, afford peculiar facilities for establishing a machinery which may be the means, even in the next session of Parliament, of effect ing, if not the repeal, at least, the modification of this obnoxious tax. The unprecedented number of its proprietary, consisting of upwards of Five Thousand Shareholders, a number watch is being day by day augmented by the issue of One Million New Shares,—the Identity of interest secured between its Shareholders and Insurers, by the settled and guaranteed division of its profits, whereby the energies and sympathies of both are enlisted in its advancement—the num ber and energetic character of its Agents—and the extent of country over which its Shareholders are diffused—enable this Association to organise a more universal and unsectarian appeal, than could be made by any office not interested in maintaining the present duty. The Unity was established with a view of introducing a new era n Fire Insurance. It sought by an heretofore unattemptcd diffusion of the Shares, to enlist the active co-operation of an enormous pro prietary. By the defined and guaranteed division of two-thirds of the gross profits, it enables the insured fairly to participate in the prosperity they help to secure_ By preventing the insurance of pro perty, where no fire occurs, being all outlay and no return, it gives the utmost encouragement to the adoption of a system which saves both rich and poor from ruin. In Eighteen months the Unity has secured the Largest Proprie tary in the World, consisting of Five Thousand Shareholders. It has effected 8,254 Policies, insuring 5,005,1201. It has its original capi tal One Million Stirling, fully subscribed. It has obtained a paid-up working Capital of One Hundred and Twenty-five Thousand Pounds. It has increased its Capital to Two Millions Sterling, and it is now issuing One Million New Shares of IL each, at cent. per cent. pre mium ; 40,000 of which have been allocated to 450 Shareholders in three weeks. The connections of the Unity feel strong'y the injustice of a tax which fetters the wheels of progression, and leads to such continual calamity. The machinery which has effected the foregoing results, can now be put into operation to arouse the whole country to the importance of seeking a repeal of the obnoxious duty ; or if it must still be enforced for the purpose of revenue, then such a modification of it as shall make it merely nominal. It is a question in which every individual is interested—but to the mass of the people of the king dom, is in reality, a question of vital importance. The following is an extract from the Petition of the Members of the Unity Fire Insurance Association, and others interested in the Repeal of the Duty on Fire Insurance : The Petition of the Policy holders and other Members of the Unity Fire Insurance Association, and of the undersigned Persons who are desirous of extending the Benefits of Fire Insurance to all classes of her Majesty's subjects. Humbly Sheweth,—That your petitioners believe it to be an acknowledged principle of your Honourable House, that it is the duty of the Legislature to encourage, as far as legislation can do so, habits of prudence and foresight in every member of the com munity, and especially in the middle and industrial classes. That in conformity with this wise and parental principle, your Honourable House did, by the 3rd and 4th William IV., cap. 23, most justly exempt from duty all insurance from loss or damage by fire on all Agricultural Produce, Farming Stock (live or dead), and Implements of Husbandry ; as also by other Acts, Hospitals, In firmaries, and Asylums. In conformity with the same great principle, your Honourable House did, by 7th Victoria, cap. 21, materially reduce the duty upon Marine Insurance ; and in the last session of Parliament did grant a large reduction in the stamp duty upon Polities of Life Assurance, as well as an exemption from income tax of the moneys devoted by individuals to Life Assurance purposes. That while these exemptions are accepted as a great and wise boon, they bring into still stranger contrast the far heavier burden of a duty on Insurance of the remaining property of the country from Fire. That besides an uniform stamp duty of one shilling upon every Fire Policy, however small the amount insured may be, there is also a separate and constant annual duty of three shillings per cent. upon the sum insured. That in all commonly Hazardous Insurances, the premium charged by the offices amounts to only ls. 6d. per cent. per annum, so that the three shillings annual duty is double, or 230 per cent. upon the premium. That to Artisans, and others of the great Industrial Classes, the whole of whose property consists of their furniture and the tools of their trade, the fiscal charges (amounting to 266 per cent. per an num upon the premium of a policy for 1001.) operate as a complete bar against Insurance. That so severe is this tax upon prudence and foresight felt to be by the community at large. that the proportion of property insured from Fire in the United Kingdom, scarcely, if at all, exceeds one third of the ascertained amount of property insurable. That in Marine Insurance, by the salutary act passel in her pre sent Majesty's reign (7 Victoria, cap. 21) the rate of duty was re duced to threepence per cent. so long as the rate of premium does not exceed ten shillings per cent., while in Fire Insurance, on the contrary, it is still kept up at three shillings per cent. although the rate o' premium be but eighteenpence per cent. Thus on Marine Insurance the duty is but threepence per cent. upon the premium, while in Fire Insurance, the duty alone is 200 per cent. upon the premium, besides the shilling tax upon the policy. That your Petitioners, while they hail with gratitude the justice and the wisdom of those boons to the Agricultural and Shipping inte rests, further pray your Honourable House to take into your favour able consideration the justice and expediency of affording a similar exemption to all other property, and implements of industry, whe ther tools of handicraft or any other machinery. Your Petitioners, therefore, humbly pray of your Honourable rtercare, That the uniform Stamp Duty upon all Fire Policies may be re duced from One Shilling to One Penny. That the amount of duty now chargeable upon all Fire Policies may be repealed. Or that it may be reduced to 6d. per cent. Or that such other modification may be made in the duty now levied on Fire Insurance risks, ai your Honourable House may in its wisdom see fit. • Signatures may be affixed at the Chief Offices of the - Unity Fire Insurance Association, 40, Pall Mall ; at the Offices of all the Agents of the Unity throughout the Country; and at the LOCAL BRANCH OFFICES. Bradford, Yorkshire-12, Darley-street. Bristol—Albion Chambers. Eastern Counties-79. S . Giles'-street. Norwich. Halifax, Yorkshire-25, Waterhouse-street. • Leeds-5, South Parade. Liverpool-11, Lord-street. Manchester—Adelphi Buildings, Piccadilly. Northampton—Drapery. Not!lngham—Wheeler Gate. Sheffield-67, Market-place. Southampton-2, High-street. Birmingham-42, Temple•street. THOMAS 11. BAYLIS, General Manager and Secretary. Unity Fire Insurance Association Chief Office , , 40, Pall Mall, London. January, 1854. R OYAL POLYTECHNIC INSTITUTION. PATRON—H.R.H. PRINCE ALBERT. • FIRST EXHIBITION of SPECIMENS of COLOURED PHOTO GRAPHIC PICTURES, giving all the accuracy of outline and tints of nature, in addition to the MAGNIFICENT PHOTO GRAPHIC PICTURES, prepared expressly for this Institution by Monsieur Ferriere of Paris, exhibited en a surface of about a thou sand square feet, with an ENTIRELY NEW SERIES of DIS SOLVING VIEWS, daily at a Quarter past Four, and in the even ings at a Quarter -past Nine. LECTURES by Dr. BACTIOFFNEIt on WILKINS'S NEW PATENT UNIVERSAL ELECTRIC TELEGRAPH. LECTURE by J. 11. PEPPER, Esq., on SPONTANEOUS COMBUS TION, with Brilliant Experiments. Open Mornings and Evenings. A dmission, Is. ; Schools and Children under Ten years of age, Half-ric Annual Subscribers to the Institution are eligible to be elected Members of the Reading and Chess-Rooms, on paying an additional Guinea per Annum. THIRD EDITION. —WITH ADDITIONS. Just published, Bvo., in cloth , price 55., b y p ost free, ss. 6d. ON TRUE & FALSE SPERMATORRHCEA, with the View to the Correction of wide-spread Errors :n relation to the Treatment and Cure of the Impuissant and Sexual Hypochondriac!, Translated from the German of Dr. PICKFORD. T 3 which is added, an ESSAY oditor.n SEXUAL DEBILITY, by the E "Dr. Pickford is known to English readers by his frequent practi cal contributions to German medical literature. This is the first time, he informs ns, that he has addressed himself to the non-medi etl reader. We trust this may not be the last, if he shall detect any other equally flagrant evil which it may be in his sower to correct." —London Medical Gazette, May 30, 1851. The tribe of 'Quiet Sympa thisers:and' Medical Friends,'are mercilessly exposed ; and if this book zould flnd its way into the hands of those who stiffsr from the com plaint of which it treats, we are satisfied that many hundreds would be saved much needless suffering of body and mind, and what is of 'ess importance, though it is that which the quacks most prize— much money... ...This volume is well qualified to put an end to the empirical system of treating Spermatorrhwa, and to plats the treat ment upon a more rational and physiological basis. It is, therefore, likely to do much good."—Medical Circular. Juno 16, 1852. London : H. Balliere, 219. Regent-street. PROGRAMME FOR THE DAY. PART I. Overture (Der Freyschutz), Weber; Duett (Bonny MaryJamie son), G. Linley, composed expressly for the Misses Brougham, second time ; Waltz (Eglinton), Kalozdy ; Solo, pianoforte (Carnival de Venice), Miss Julia Warman; Original Aria, Mang ; Solo, clarinette, Augarde ; Song (The Tear), Kucken, Miss Elizabeth Brougham; Polka (The Royal Sussex Militia), T. Distin; Quadrille (Crescent), Sarkozij. PART 11. - -- --- Selection (La Sonnambula), Bellini ; Duett (The Cousin , ), C. W. Glover, the Misses Bro u g ham ; Polka (Roccoco), Kalozdy ; Solo, pianoforte (Morceau de Concert), Miss Julia Warman; Aria (Hun yadijlanio), Erkell ; Song (Coining thro u g h the Rye), Miss Josephine Brougham; Quadrille (American), Jullien ; Galop (Times), Kalozdy. pURSSELL' S. —BALL SUPPERS and WEDDING BREAKFASTS SUPPLIED in the first styon- le ; public breakfasts, dinners , and promenad e su pp ers supplied by c tract ; a large stock of bride cakes for immediate use, from one to twenty guineas each ; a handsome cake for five guineas, packed and sent to any part of the country if required, and warranted to keep 12 months.—Joux R. Puussm, 162, Regent-street, and 20, Ludgate hill, only. ALLSOPP'S INDIA PALE ALE. In CASKS or BOTTLES. PARKER and TWINING (late Harrington Parker), 5)4, PALL-MALL, are now delivering the October brewing in casks of 18 gallons and up wards. Also In Bottles, Imperial Measure. Quarts , B s . ; Pints, ss. ; Half-pints (for luncheon), 3s. per dozen. MORRIS'S BLACK SWAN HOTE L, SNIG-HILL, SHEFFIELD. - _ Commercial Gentlemen and others are respectfully solicited to give this Hotel a trial. The house has been thoroughly Ro-furnished, and affords every domestic comfort. Spacious and excellent Stabling. T. q. and R. M. MORRIS (late Head Walters at the Royal Hotel Sheffield, and Angel Hotel, Whitby), Proprietors. H.ANWELL MUTUAL IMPROVEMENT SOCIETY. WRECK OF THE BRIG CANADIAN. ALDBOROUGH SUFFOLK, JAN. 24. —The brig Canadian, of South Shields, was stranded this morning, during a gale of wind from S.W., near this place. The new lifeboat (on Peake's design), recently placed here by the National Institution for the Preservation of Life from Ship. wreck, was immediately manned by fourteen gallant fellows, and put off to the rescue of the brig's crew, and nobly succeeded in taking them off and in land , ing them in safety. This was the first time the services of the lifeboat, since she has been placed here, were called into requisition, and now most effectually used in rescuing nine men and boys from a watery grave. Hitherto the boatmen of Aldborough have had an objec tion to enrol themselves as a crew of the lifeboat, which the regulations of the institution require them to do ; but now that every one who went off in her has given a most favourable opinions of her qualities as a sea boat, it is to be hoped that the objection will no longer pre vail, for much of the success in saving life from wrecks depends on the skill with which the boat is handled, and this can only be accomplished by practice. Except being of longer dimensions, this is a sister boat to that stationed by the above institution at Lyme Regis, and other places on the coast, where their ser vices during the late awful gale have been eminently successful in saving scores of poor souls from perishing. STRIKE OF SHIP CARPENTERS AT HAMBURG.— A. letter from Hamburg, of the 20th, says :—" The strike of the ship carpenters here causes considerable un easiness, because it paralyses an important branch of business. The Senate caused the head of the cor poration of ship-carpenters to b e arrested, and imme diately the men signed a petition praying for his re lease. No disturbance whatever has occurred. The men have held a public meeting, and The discus sed theihas r i n terests at it calmly and momoderately.y. Senate had the sign removed from the house of the ship . car penters' corporation, and given leave to the ship-builders to employ whom they please. The only consequence which these measures have had up to the present time is that a number of these workmen have quitted Ham burg." JUVENILE DELINQUENCY. —At the annual meeting of the Birmingham Reformatory Institution, held on Tues day in the school-room of the establishment at Saltley ' it was stated that Mr. Jo nas Mason, of the firm of Elking ton and Mason, had ma de an offer of a munifi cent dona tion of 1,0001., and a subscription of 1001. per annum for the erection and supp ort of a g irls' refor matory este: - blishment. Miss Burdett Coutts and Mr. W. Chance had also each offered the sum of 100 guineas towards the same specific object. A girls' reformat or y sc h oo l, lis therefore, to be built as soon as possible. At a large meeting recently held in the School-room of Hanwell College, to celebrate the fourth anniversary of this excellent institution, a very able and interesting address, which we have great pleasure in transferring to our columns, was delivered by the Rev. Dr. Emerton, the worthy and learned president. The observations of the reverend gen tleman deserve attentive perusal, as they show how, even in a 'small town like Hanwell, much may be done for the education and improvement of the working classes by a few well-directed efforts. Ther e i s one part of his speech which cannot be strongly impressed on the minds of the public, especially at the present moment, when, notwithstanding the ardent desire evinced by the people for the acquisition of knowledge, the most praiseworthy attempts to supply it by means of such institutions as this often turn out to be abortive, simply because the true principles on which they ought be founded are not correctly understood. We allude to his declaration that these societies must be self supporting; that the elements of success are to be found within their own body, and that too much dependence ought not to be placed on extraneous aid ; that by the interchange of knowledge a man loses nothing and gains everything ; and that the humblest individual is capable, if so disposed, of adding something to the general stock of information. The institution is greatly indebted to Dr. Emerton for his active and efficient support, and we cordially wish the example he has set, no less by his determination to sink all religious and political differences, than by his zeal to promote its objects, may be followed by his brethren of different denominations throughout the country, for in all educational movements of this description a great deal rests with them. The ;tame - exertions with the same en larged views have only to be made, and every town village and hamlet in the three kingdoms might boast of its mu tual improvement society. The rev gentleman spoke as follows :—lt is with feelings of the highest gratification that I see you here this evening to join in commemorating the fourth anniversary of an in stitution which has from the first moment of its formation been a subject of the warmest interest to me, assured as I have ever been, that if its object could be properly carried out, it would prove of the utmost importance in the pro motion of the intellectual and moral, not to say the reli gious, advantages of Hanwell and its neighbourhood ; and with our numbers continually increasing, with the talents of our members continually improving, and with the addi tion of gentlemen of science, and ladies of taste and intelli gence, who are from time to time joining us, our prospects are becoming daily more cheering, and our anticipations, ardent as they might have been, are already partly, if not entirely, realised. It will be for your secretary, in his re port, to enter into the details of that which the society has effected during the past year ; and when you have heard it I feel assured that you will come to the conclusion, that although your committee may not have accomplished great things—for this may be impossible where the sphere is so limited—if even they may not have done little things at all times with a great mind, still they have done what they have attempted to do, well ; and that they deserve that which I am sure they will receive from yon—the warmest thanks for their exertions on our behalf. (Loud cheers.) This seems a proper occasion for us to look back to the formation of the society, and to consider how far we may have accomplished, and to consider how we may in time to come be able still more to advance the cause in which every individual of this neighbourhood is most deeply interested ; for the object of the society is to promote the intellectual and moral welfare of Hanwell and its neighbourhood; and this no one can doubt must be of importance to every one, from the highest to the lowest — from the magistrates and the clergy to the poorest widow who may be looking to you for assistance, or the youngest child whose education and training may be more or less dependent on your bounty and exertion. The effect of a society like this, consisting of one or more members of the families of the village, must ever indirectly be very im ' portant ; and we can none of us tell how much the moral bearing, to say nothing of the intellectual advancement of our iseighbourhood, may depend upon the exertions that we are from time to time enabled to make. In contem plating the advantages of the society, however, we must not forget the peculiar principles on which it is formed, that of mutual instruction and improvement. It is from this circumstance, that we go upon the principle of helping and assisting one another, that from the first, I have augured so favourably of the ultimate progress of our society. We have our strength in ourselves, a strength continually increasina, too. Thus, if we are desirous of information on the structure of our frame, on the wonder ful mechanism of our bodies, we have no necessity to go beyond our own society for improvement on this point. We have a member of our society, Mr. Ashbrook, to whose lectures on the human frame you listened with so much satisfaction and delight. (Hear, hear.) If we are desirous of analysing the various bodies of nature which surround us, of separating the drops of water, or weighing the air in a balance, of understanding the laws of nature, we have two of our members, Mr. Quick and Mr. Ridge, who are, early again, as theyhavedonebefore, to afford us instruc tion on these points. If we are desirous of voyaging with Parry, Ross, and Franklin, into the Arctic regions, of taking an overland trip to India, or of visiting the plains of Wallachia, and bivouack with the bravo Tusk at Kalafat or Oltenitza, here is our friend and brother improver, Mr. Stocqueler, whom the Timm, has pro nounced the prince of lecturers, and the very Briareus of literature, ready to convey us there in the most easy and delightful manner that can possibly be conceived. (Cheers.) Whilst, if we wish in an evening of social enjoyment to add the charms of music to our other recreations, we have our kind friends here, Mrs. and Miss Sinclair and Mrs. Williams—(cheers)—and other members of our society, always willing and ready to contribute to our gratification. (Cheers.) And should, from any unexpected calamity, tout funds prove deficient, or our finances become disordered — which, I am happy to say, is not at all likely whilst your present committee and treasurer are in office—we have no less a person than the Comptroller of the National Debt himself—(loud cheers)—another member of our society, ready, if necessary, to examine our accounts, and place us on a right footing again, whose annual subscription I have this evening the pleasure of being the medium of handing to your treasurer. Thus, my friends, it is gratifying and must be most satisfactory to you all to know that although we are ready cordially to receive every one who may wish for instruction, or willing to assist in the various objects we have in view, still we can find all that we most want in our own circle ; and whilst we are true to one another we have no absolute necessity to seek aid from any one beyond us. In this respect our motto may truly be—God and ourselves. But let me not in this observation be misunderstood. Ido not wish by these words to ex press either selfishness or foolish independence ; this would be indeed sadly to misinterpret the objects of our society. So far from our object being selfish, we are, as I said be fore, desirous of enrolling all around under our banners ; and as for independence, it has always appeared to me that any one who claims to be independent of those around him must be either an idiot or fully determined to act in oppo sition to the dispensation of that Providence who has for his own wise purposes brought Am all into the same neigh bourhood—that he who does not, as far as in him lies, promote the well-being of those around him in the manner his conscience may tell him is best, is guilty of a moral crime in the sight of God, and deserves, if he does not meet with, the disapprobation of every right-thinking and right feeling man. (Cheers.) We have different views of Church government, we may have opposite opinions as respects po litical parties, but these distinctions, however natural they may be in a general society, have no place here. We ask no one whether he is a Churchman or Dissenter, whether he is a Whig or Tory. All we want to know is, whether he wants improving, or is willing to improve, and thus benefit others ; and we gladly avail ourselves of his ce-ope ration, and willingly enrol him among the members of the Hanwell Mutual Improvement Society. The importance of a society like this for the young men of the village can scarcely be calculated. There is perhaps no age which is more difficult to manage than that between boys leave na tional and other schools' and the time when they arrive at maturity, and become, in some measure, amenable to rea son and a sense of their true interest. With passions swaying them on ono side, fancied independence on a nother, let loose from the authority of a master, not able to guide themselves , they are peculiasly liable to fall into the snares which are placed within their path, and to follow the bent of their own head strong appetites and passions. Their greatest dan ger, however, arises from non-occupation. " Satan," says Dr. Watt, " finds some mischief still, for idle hands to do," and with the hope of doing something for the wel fare of the young men of the place, your c ommittee have formed classes for drawing , and offered other at tractions of various kinds to induce them to improavne,i In this object, we may fairly claim the good w the active co-operation of all. lam particul iiyshaensssious whether' actual to impress this point upon all of you, n the vast im- FATAL ACCIDENT members of the society or not. portance of taking care of those inern l be m rrof d , and here, I your families TAT PIMLICO.—A fatal accident took which are just advancing into manhoosot portant one, place yesterday on the premises of Messrs. Belk and think, we may take a lesson, and a Co., at Eccleston-bridge, Pimlico. A number of men ber of our society have for some time been engaged in erecting a massive from the course pursued by another-mnitoemo rateful—l mean for whose co-operation we can hmanagement of the excel- machine at the wharf. Directions have been given to Dr. Conolly—(cheers)—in e . lent and admirable institution, which, although not in th e have some heavy stones weighing several tons, unloaded. parish of Hanwell, and. therefore, not really belonging t o For e this purpose three men were sent yesterday upon been named the Hanwell the scaffold to work the machinery, and others were us, has , from its Now what method did he adopt, and Lunatic Asylum. Sir William and Lady Ellis, in a en gaged in the barges fixing the chains round the those who preceded him, stones. While they were so occupied, and when a stone great degree,.if not entirely, when they dispensed with t weighing about six tons was bein g lifted, the fronta g e the strait-waistcoat and the other coercive methods which i ncre ased a th ous andfold the miseries of the poo r creatures of the scaffold, and an iron box containin g three men, w h om the dispensation of Providence had placed in the came down. The me n in the ba rg es were not hurt, but those who fell from the scaffold were imbedded among most di s tressing of all situations, by depriving them of What do we see as we walk aroun d? Th e car- the mass of stone and the shattered iron -work, which reaso n. pouter of the Establishment aided by those whom formerly fell upon them. A man named David Connor fell into the chains would have encompassed, an d r e lieving their the barge, and was crushed by the heavy machinery distress whilst instructing and einployin e; them in his which fell upon him. A man named Ilatherway bad trade; the garden full of labourers whom a skilful gar- his thighs broken, and was otherwise seriously injured ; dener is superintending, giving each his occupation, and a thirdlinan was also much hurt. A long time and instructing each in his various duties. You elapsed before the body of Connor could be extricated move into the cattle yard, and see others employed from the mass of iron which had fallen upon him. Con under an experienced and honest cowman, who in structs and etn:.loys them, and makes them happy by nor has left a wife and two children. The inquest is to their very take place on Monday. occupation. Nor is this all—yon see them engaged in various amusements. Bowls in the open air, COLLISION ON \ THE GREAT NORTHERN RAILWAY.— . chess and the bagatelle b oar d, th e piano and other collision occurred on this lino of railway at Knottingley instrument s w ithi n each and a ll of immense impor- yesterday (Fti,lay) morning to the Edinburgh night tance to the comfort and well-being of the occupants. mail, leaving London at 9.15 p.m. on Thursday evening, But, in addition to these, you see the well-selected library, An empty coal train, consisting of engine and tender, the monthly, weekly, or daily journal, for the improve- and fifty-three waggons, was proceeding to York, and ment and instruction of those able to avail themselves had stopped at the Knottingley station, to take in water, thereof, whose minds, although infirm, are still capable of The express, which was over-due, followed on imminent e m s i same appreciating those advantages , when out door occu p ations line, and ran into the rea r p art of the mineral train, are not to be obtained; and w hat is the result ? The strait smashing are all destroyed , coercion is a thin g almost, if smashing the break van a nd a wa ggon. The guard w a s not in his van, and conseq uently escaped the not entirely, unknown; the calamities of their state is in an amazing degree relieved, and you walk amongst hue- danger he wolild have been exposed to had he remained dreds of those who formerlY were an object of so much in it. None of the passengers were hurt, and but little dread, with a secret satisf action and inward thankfulness , delay occurred. This morning Mr. Aslett, of York, the that God has raised up men, who, unitin g intelli g ence with district inspector, held an investigation into the circum humanity, have thus ameliorated th e con diti o n which was stances of the accident. It was shown that the signals formerly so hopeless ; but had these men, whilst they were properly exhibited, but that in consequence of the withdrew the shackles, given no occupation for the mind, extreme length of the train, and the distance from it and but left it to corrupt . in idleness, nay more, had they at t h e s i g nals, combined with the slippery state of the line, each corner of their institution allowed the sale of atimu• At Tfaff almost impossible to avert the collision. ~~ Age.