The Sun. — London, England, 1839-03-25 00:00:00

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LONDON - AND WESTMINSTER MUTUAL LIFE ASSURANCE SOCIETY, for Assurance on Lives and Survivorships, for Granting Annuities, Loans, Endowments to Children, and for the purchase of Re versionary and other Interests. PATRON The Most Noble the MARQUIS of PVESTMINSTER. PUBLIVATIONS. .0001 ected ippon. KEITH'S ARITHMETIC IMPROVED, BY MAYNARD. The Twelfth Edition, 12mo. Pri ce 4 s . 6d . bound THE COMPLETE PRACTI C AL ARITHMETICIAN ; containing several new and useful improvements, adapted to the use of schools and private tuition. )rice of t is by ive the ► tons. 3s. per rry's is SUMCII a. The For the -fourth EN. LY.) 22.) , when ante of greater Very chrys :.,fs to ')oarcl : fur— n( d by hrve ;e and m e in- n ilia is Haut paid. to 2s tow de fflow at fiddling d, good sold at ts, fine , en ob- Ss 6d a field for to fine 6s 6d a lry 59s er to 66s vannah fox' 40 rates nd fine s rates it 116 s 120 s ; T mid , above fEa' -eels of agg' id, and British eland; shave I week e been 5 to 8 37 over 5 to 26 3 to 38 teva at 6d to burgh t. three e. 41b. Fs 434 ss. 40s Os. 45g. 2s. 565. ss. 63, rls. 50s. Os. 935. is. 425. DIRECRS. R. Va ug h an ß arnewall, Esq. Thomas Huxley, Esq. Henry John B eare , E sq. C o l one l J our d a i n Joseph Bennett, Esq. Henry M. Kemshead, Esq. Major Wm. Bird Bleamire. Taverner John Miller, Esq. Jos. Blunt, sen. , Esq. Sir Harris Nicholas,K. C. M. G. R. Edwards Broughton, Esq. Captain Rattrap, R.N. David Caldwell, Km. P. Salomons, Esq. Hy. Chas. Moreton-Dyer, Esq. Admiral Shippard William Ewart, Esq. Pearson Thomson, Esq. John Welstead, Esq., F. R. S. TRUSTEES. David Salomon, Esq. I Sir Harris Nicolas, K. C.lll. G. Taverner John Miller, Esq. AUDITORS. Sydney S. Bell, Esq. I Frederick W. Caldwell, Esq. George Robinson, Esq. PHYSICIANS. A. Todd Thompson, M.D. F. L. S. , 3,* Hin le- sire Man chester-square. Robert Willis, M.D., 25, Dover-street. SURGEONS. Arthur Cocke, Esq., Holles-street, Cavendish-square. Joseph Freeman, Esq., Spring-gardens. STANDING COUNIEL. William Fraser, Esq., 10, King's Bench Walk, Temple. SOLICITORS. *leSSrs. Roy, Blunt Ustcan ,and Johnson, 42, Lothbury. Messrs. G. and C. Kempson, 31, Abingdon-street,Westminster. EA NNE RS. The Lando Westminster Bank, Lothbury and Waterloo place, and its branches. SECRETARY—Francis Ewart. In present this Prospectus to the public, it is unnecessary to -iNvell upon the utility and importance of Life Assurance: the s trprising increase of Life Assurance Offices at once shows that as t has become better understood, it has been more generally adopted ; 'tot merely as a prudent provision in the case of sudden or prema t tire death, but also as a convenient and necessary step in various t ransactions of life. The great object of those who adopt Life Assurance is to combine complete security with moderate expense, and in considering this cohiect it is albs utmost importance to examine the principles upon which Institutions of this kind are founded. The existing Companies may be classed under three heads, viz. Proprietary Companies which appropriate all the profits to the Shareholders, to the complete exclusion of 'the Assured; Proprietary Companies Which divide the profits between the Shareholders and the Assured; and Mutual Assurance Companies which distribute the whole of the profits amongst the Assured, who are mutual assurers to each other Without the intervention of a subscribed capital.. Before Life Assurance was so well understood as it is at present, it was considered requisite, in order to afford solid security for the du e payment of losses, to h a ve a perman e nt sub s c r ib e d ca pit a l ; an d sec urity being the first consideration, the public, for the most Part, preferred Proprietary Companies, although no share of , the profits w as a ll otte d to t h e assure d . U n d ou b tedly a su b scr ib ed capital all paid up and safely invested, is a security as far as it goes; but the real and enduring security consists in the rate of Premium charged being correctly graduated with respect to the age, and b eing a trifling degree higher than what the actual mortality re quires. So long as this is the case the security of a permanent subscribed capital will remain merely nominal in proof of which, it is a fact worthy of notice, that in all the Proprietary Companies, with scarcely an exception, only a fraction of their subscribed capitals is paid up, they never having had occasion to make a call for more than the first instalment; and for this nominal security the old Proprietary Companies appropriate the whole of the surplus arising from the premiums, exceeding the risks, to the Proprietors. As the nature of Life Assurance became more generally known the disadvantages of assuring in the old Proprietary Companies be °at" aPparent, and, in consequence, new Proprietary Companies Were instituted, whose plan is to divide the profits between the Proprietors and Assured ; but everything that can be said against the o d.Proprietary Companies, which take all the profits, applies, more or less, to the new Proprietary Companies,which take a part of the Profits, since a permanent subsejibed capital affords no real or sub stantial benefit for the enormous expense they entail upon the assured. The gret success of the Euiable ," is sucient proof that th principle of Mutual " Assurance affords Society ample secu ffi rity to the assured. This security consists alone in the rate of premium paid by the ass ure d b e i ng rather higher than the rate necessary to meet t he actual d eman d s upon t h e Soc i ety. Th e surp l us, t h us d er i ve d , being ultimately given back to the assured, they in the end only Pay the bare amount of premium required by the actual mortality in the Society. If it were possible to ascertain exactly the mortality of the fu. tore, Life Assurance might be reduced to a simple calculation, devoid of doubt or speculation, and such a premium might be ar ged as would place the stability of the Society beyond all ques. 'Low, and at the same time leave no surplus to be accumulated. but as such knowledge is unattainable, the only data that are al. forded are derived from the mortality of the past; the stability of t he Society therefore requires that the premium shall be higher than What has been ascertained by experience to be requisite, in order to Provide against any increase of mortality which might occur. It Is most essential in Mutual Assurance, that the Scale of Pre. Miums should be graduated with respect to the different ages, with the greatest nicety, to prevent an old life paying too little, and a 3 ' ° nog one too much, or vice versa ; for if the S ca l e o f P rem i ums in this r espect be properly regulated, it matters little whether such scale be somewhat higher than it should be, since the whole surplus returned to the assured, though on the score of c onven i ence, a low premium, if a fair and reasonable surplus be preserved, is sows premium, desirable. ov Mutual A ssurance possesses this great and prominent advantage over Pro prietary Companies ; namely, that the latter, either by ch arging too hi g h a rate of premium may make Life Assurances dis advantageous to the public, or, by charging too low, may render uncertain the responsibility of the Society; while, in Mutual Assurance, the premium will always adjust itself to the actual amount of Mortality, and no more nor less, in the end, will be c iarged than what the engagements of the Society will warrant. To all wh o attentively consider the subject, it must be evident that Mutual Assurance , both on account of the complete security it anbrds, and of the moderate expense it imposes, is the mode most beneficial to those who may b e desirous of adopting Life Assurance. A leading feat ure of this Society, will be to afford to the humbler classes the means of securing to themselves and their families a Provision against sickness, old age, or death, as well as by profiting by 41 ) 1 141 oars, in th e many opportu nities of betterin g th e i r con di. o n, Which the use of a little money affords. teßenefit Societies have held out some resource against such ; unfortunate, the constitution and mangement o I,,Z i htlititution s have in ly most instances been defective and unsys f that tine the amount of their several investments has been so small, 'urns re e xpenses of management have been disproportionate Societies to the has be ce ired : so that, on the whole, the result of these N,„ °. a nything but satisfactory. to "' w ithstanding the extent to which Saving s Banks are resorted b Amounts of Deposits Annuities are limited an d Grants of th e Act of Parliament. While e0 ,,_.. the Life Assurance Socie ties, hitherto establis h ed, offer 0 ~siderable advantages to the upper classes, there is yet no Society n a footing which puts its entire benefits within the reach of the workingto man. And these Societ ies are, f,,r the most part, confined ° ne Particular object, which is thus burthened with the expense uf separate management. It is with the view of supplying this defect, and combining under °ne management all the advantages which are derivable from Benefit Societies, Savings Banks, and Life Assurance Societies, that the LONDON and WESTMINSTER MUTUAL LIFE ASSU RANCE SOCIETY has been established. The usefulness of Life Assurance, in all its forms and modifications, will be extended, by affording every facility and accommodation compatible with the general interest of the assured, and by avoiding alt unnecessary and arbitrary restrictions in the rules and regulations, which deter so many from assuring their lives. It is not intended to be the means by which a few may be greatly benefited, as is the case in Proprietary Companies ; but, on the contrary, to offer to the public Life Assu rance on the best principle, and on the most beneficial terms, and it will be found to embrace all the good features of the few Mutual Assurance Societies that at present exist. In the formation of the tables the greatest care will be bestowed to graduate the rates of premium as to the different ages, according to data, derived from the best sources of information ; and while the convenience of the public is studied by not setting them too 140, the stability of the Society will be constantly kept in view by not fixing them too low. Avieorships ; This Society will assure for the whole life, or for a limited term, It?Y sum from 204 to 5,0001. on a single life, joint lives, or Bur will grant immediate, temporary, deferred, and con tZ,ts "t Annuities; will purchase Reversionary and other In ; will grant Endowm en t s to Chi ldren ; and will advance net beans Policies, or upon good personal security, after the man_'e °t eh tanks. grant ed n I ' 4 other forms of Life Assurance, Policies will be a terra r the amount a ssure d , t o b e rece i ve d at the end of but the ° f years, although the party as s ured may b e a li ve, so that tho ugh assurance to be determined nevertheless by his death, i t should take place before the expiration of the term ; Seetire a Person may himself enjoy the fruits of his prudence, and com fortable competency for advanced life. enjoy a s ame way the Society will grant a deferred annuity, to be Yeas:" after the payment of a premium for a certain number of th e a given age ; and by paying a somewhat higher premium, ei e b 7 n svill be granted upon the condition, that if the party should pa before he arrive at that age, a proportion, or the whole of the Irnents shall be returned by the Society. ei In order to make Life Assurance available to the Industrious yea s s. ,es, the Premiums may be payable Monthly, Quarterly, Half. Y, or Annually; and to obviate the necessity of allowing poll.. sc i 7;to drop it., case of temporary inability to pay the premium, the ltlety w ill advance on the security of the policy alone its estimated e • Premi ums may also be commuted into a single payment, or • a limited number of annual payments. It is highly important, oration also, from the rapid progress of emi_ ac„ ; and th e consequent grea t increase •f Colonial trans 't. t hat Life Assurance should be extended as far as prac cable to our foreign settlements. It has been a subject of anxious consideration i n what manner and how far such a desirable object can safely be carried into effect. In addition to the Inerrei teu ,, liberty of residing in any part of Europe, this Society „ ; under certain regulations which appear in the following de allow persons t o v i s it and reside in those Colonies beyond the s ' e nfirres of Europe, where the climate is not decidedly unhealthy, Without charging , any extra premiums. DETAILS. I . , of tho Society to consist of persons assuring their own 'yes, or the lives of ethers, for the whole term of life. 0r IC i e , n-M embers to include those who, assuring their own lives, 'aC e , lives of others, for the whole term of life, may not li ve s to become M em b ers, or w ho assure their own lives, or the a: of et hers, for a limited period, and who shall continue to pay filed premium without sharing in the profits of the Society. h e scale of premium for members, who will be entitled to the e i - t ." r e Profits, sl be so much above the ordinary decrement of th e e a* , te leave a r o essonable surplus to guarantee the claims upon as; while that for Non-Members, who continue to pay a s r : . `" Premium without sharing in the profits, shall approximate p u i,," ea rly to the ordinary decrement of life as leave a small sir_ The to be added to the general fund of the Sooiety. °. Profits of the Society, at the expiration of the first five i 7ars, and every succeeding year, to be estimated, and the average t ° „ fi ° f one year to be annually distributed by a reduction of the f _"re Premiums, or by a bonus added to the policy, at the option o `le assured, to those members who shall have paid five annual Pre assured , ms ; thus always leaving in the h§hds of the Society, as a guarantes fund, the average profits of four years. at A. gen eral meeting of M em b ers an d Sh are h o ld ers s h a ll be holden to ;n7 end o f the first Since years, and every year afterwards, to„"eire a r eport of the anirs of the Society, and to elect Direc and Auditors in the room of those retiring by rotation. tubers insured to t he amount of 4:ioo, or Propricters of 5 shares, to have I vote 250, or 10 shares. to have 2 votes, 501, or 20 shares, to have 3 votes, 1,000, or 30 shares, to have 4 votes, 2,000, or 50 shares, to have 5 votes, 3,000 and upwards, or 100 shares and upwards to have 6 votes. 30 00/. fan cy; the to avoid heavy losses, whilst the Society is in 'ts in. /, the amount to be insured upon any life shall net exceed rope Persons, not during the first three years; after which the Society shall he at r ' b etty to assure any sum not exceeding 50001. mariners by profession, whose lives are assured by Society, shall be at liberty to reside in any part of Eu. thec , o a u nd to proceed by sea in time of peace, without a license from pre with "I.° 11 of Directors ; rawithout paying any additional pre any part of Europe to any other part of Europe, t invalidating the policy. Settle li rty to beMe m bers who h ave paid five entire annual P rem i ums shall be at reside in any p a rt of North America, the Briti s h have meats ents in cluded,) not south o f Virginia ; and Members who „ . ten entire annua l prem i ums s h a ll b e a t lib e rty to re s id e laid Part °f Australia, Van Diemen's Land, Cape of Good Hope, No. 14,523. or Island of St. Helena; and also in time of peace to proceed from England direct to any of the aforesaid places, and return from thence once during the continuance of the Assurance, without paying any additional premium. Assurances may be effected on the lives of all persons about to proceed to and reside in any part of the. world on payment of a moderate extra premium ; and in all cases the assured will be allowed to proceed to and reside in any foreign settle. ment on payment of such an extra premium as may be considered an equivalent for the increased risk. In case of death by the hands of justice or by suicide, although the party may have insured his own life, the policy shall not be in validated, provided it has been bona fide assigned to any party for a valuable consideration ; and if it has not been so assigned, the legal representatives of the deceased shall be entitled to receive a sum equal to the amount which the Society would have given for the purchase of the policy on the day before such decease. If the object of any member in assuring his own life, or the life of another, has been attained, and be should be desirous to substitute the life of some other party, the Board of Directors shall have the power' to permit the same to be done, provided the health •f such other party be deemed satisfactory, and his age do not exceed that of the member in the place of whom he is substituted. Policies, after five years' standing, on being deposited with the Society, may be kept in force by the payment each year of half the premium, and interest on all arrears, in which case the remaining portion of the premium may be deducted from the amount assured when the policy becomes a claim. The Premiums upon all assurances may be payable annually, half yearly, quarterly, or monthly, as may suit the convenience of parties assuring; and the year may commence from Ist January, Ist April, Ist July, or l it October, according to the time when the Assurance is effected. All claims upon the Society, accruing by death, will be paid within one month after proof of the death of the party or parties upon whose life or lives the assurance has been effected. This Society will also grant immediate, temporary, deferred, and contingent Annuities, with the option, in the case of a deferred Annuity, of the Subscriber having the whole or any part of his pay ments returned,' should he die before the commencement of the Annuity, on paying a proportionate increase of premium. It will also grant Policies for securing Endowments to Children on their attaining a specified age, conditioned, as in the pre. vious case, for repayment of the pren:it►m in the event of the, child's death. The Society will grant Loans on the security of Policies, whether on Life Assurance, Annuities, or Endowments; or otherwise, as may be thought proper. The Loans may be repaid by moderate in. stalments, to be agreed upon when they are negeciated. The Society will at all times be prepared to treat on the most equitable terms for the purchase of its Policies, whenever the assured may desire to dispose of them. The Society shall be at liberty to purchase and re-sell any Revel'. sionary 'and other Interests that may be thought advantageous. A temporary Capital Stock of 500,0001. will be raised to guarantee the immediate engagements of the Society in shares of 251. each, bearing interest at Si. per cent, per annum, which Capital may be discontinued at the end of five years, or any time after that period, when the Directors shall consider the income and accumulated fund of the Society are of such amount as to render its continuance un necessary. One-fifth of the divisible profits of the Society will be set aside and distributed as a bonus to the Shareholders whenever the subscribed capital is discontinued. An instalment of 2/. per share to be paid on subscription; and if further calls should be necessary, the same to be in the discretion of the Directors, but none to be made unless on three months' previous notice. -.. The advantages which the LONDON and WESTMINSTER MUTU 4.L LIFE ASSURANCE SOCIETY holds out are shortly these:—The principle upon which it is founded, viz., Mutual Assu. ranee, draws a distinct and broad line between it and all Proprietary Companies. It not only embodies all the new features of the modern Proprietary Companies, but also preserves the characteristics of Mutual Assurance Societies, whose success indisputably proves the excellence of their principle. In addition to which several con venient and novel modes of Life Assurance, and Deferred Annui ties, 'are offered in such a way as to enable the humbler classes to secure every advantage which Life Assurance and other Societies have hitherto held out to the affluent, or Benefit Societies and Savings Banks to theworking classes, freed from the exclusiveness of the former and the many obvious defects of the latter. Prospectuses may be had and application for Shares made by ap. plying to the London and Westminster Bank, Lothbury and Wa terloo-place, and all its Branches; and to Messrs. Roy, Blunt, Dun can,and Johnston, 42, Lothbury; and Messrs, G. and C. Kempson, Solicitors, 31, Abingdon-street, Westminster. STEAM between BRISTOL and NEW YORK. THE GREAT WESTERN, Lieut. JAMES HOSKEN, R.N., Commander, is in tended to Sail from BRISTOL for NEW YORK, on SATUR DAY, the 23d instant, on which day Steamers to convey Pas sengers on board will leave Cumberland Basin at Ten, A.M. And during the remainder of the Year she is intended to Sail as follows: From New York. 20th April 13th June Ist August 21st September 16th November. Fares to New York, 40 and 35 Guineas. From Bristol. 18th May 6th July 24th August 19th October An experienced Surgeon is attached to the Ship. For information, and to secure State Rooms, apply to Mr. T. M. Ward, Great Western Railway Office, Prince's-street, London ; Messrs. Gibbs, Bright, and Co., Liverpool ; Messrs. Hamilton, Brothers, and Co., Glasgow ; Mr. W. Davidson, Havre; Messrs. Andelle and Sousar, Paris; and of Christo pher Claxton, at the Company's Office, Bristol. Passengers are particularly requested to have the word " Below," in large letters, written on such portions •f their luggage as are not required in their State Rooms, and to take notice that Freight will be charged, at ss. per foot, for all ex cess of Luggage beyond 15 cube feet, for whick arrangements hays not been made beforehand ; also that Dogs will not be allowed on board. or Freight of Measurement Goods 5/. per Ton, which will be collected in New York, at the rate of 4 Dollars 80 Cents. to the Pound Sterling. No Second Class or Steerage Passengers taken. No Parcels can he received after the 22c1 instant. Freight engaged to be in Bristol on Monday, the 18th inst. Bristol, March 1, 1839. BY ROYAL APPOINTMENT. SWAIN and CO., 92, Fleet -street, TAILORS, &c., to HER MAJESTY the QUEEN. FOR GREAT COATS. An assortage of Waterproof Milled Beaver Cloths. FOR DRESS WAISTCOATS. A splendid and rich assortment of Figured Velvets, silks, and Shawls, from Valencias, of the choicest patterns. DRESS SUITS OF THE BEST WEST OF ENGLAND _ _ CLOTHS, From 4/. 10s. to 61. 6s. N.B.—Servants' Liveries, either for State or common occa sions.—Dresses of every desciption, tastefully and elegantly Em broidered to any device, in Gold, Silver, or in Colours. Ni. 0, HALF MOON-STREET, PICCADILLY ; And 32, wtrAT RUSSELL-STREET, BLOOMSBURY, MINERAL SUCCEDANEUM FOR FILLING DECAYED TEETH, LOOSE TEETH FASTENED, AND LOSS OF TEETH SUPPLIED. Monsieur MALLAN and SON, Surgeon Dentists, N.. 9, Half Moon-street, Piccadilly,l and 3!, G reat . Russeil-street, Bloomsbury, continue to restore DECAYED ELI H with their MINERAL: SUCCEDANEUM (of which they are the Sole INVENTORS and PI , SSESSORS), withou t pain, heat,. or pressure, and FASTEN LOOSE- TEETH, whether Arising trim age, neglect, disease of the Gums, the use of Calomel , or an y ether ca use. They have also disc overed a NEW COMPOSITION for ARTIFICIAL TEETH. A peculiar advantage attending Teeth made frees this SUBSTANCE is, that they are totally impervious to acids. ARTIFICIAL TEETH have hitherto been found objectionable by INVALIDS taking MEDICINES which have a tendency to DISCOLOUR them, and by persons of bilious habits. The M essrs. AL have been successful in obviating these objections by their NEW DISCOVERY, and they can fix the above without extracting the STUMPS, or causing any incumbrance, and even on GUMS of the most tender nature, protecting the adjoining Teeth, however loose. No WIRES or LIGATURES are used, and they MATCH he ORIGINAL TEETH in point of Shape and Colour. GUA RANTEED for MASTICATION aid ARTIC ULATION. In consequence of their improvements in the mechanical department of Dentistry, they are enabled to recluse their charges to the follow ing scale:— A single Artificial Tooth A Set 5 5 • A Set of Natural Teeth A Set of Mons. Mallaa's Incorrodible Teeth, highly finished in the first style Filling a Decayed Tooth with Mineral Sucecdaneum 0 5 0 9, Half Moon.stceet, Piccadilly, and 39., fireat Russell-street, Bloomsbury. A REAL BLESSING TO MOTHERS. A/: RS. AMERICAN SOOTHING SYRUP, which has been held in such high estimation for so many years, for relieving Children when suf. ering from painfnl Dentition, still continues to be prepared accord ing to Mrs. Johnson's Gr.ginal Recipe, and with the same success, by BARCLAY AND SON`3, Farringdon-street, whose name and address are engraved on the Stamp. Full directions are enclosed with each bottle. Price 2s. 9d. Be sure to ask for MRS JOHNSON'S SOOTHING SYRUP. FIIAMPTON'S PILL OF HEALTH To the Sufferers from BILIOUS and LIVER COM PLAIN TS. The unexanpled success of FRAMPTON'S PILL of HEALTH calls for particular attention.—These Pills give immediate relief in all Spasmodic and windy complaints, with' the whole train of well known symptoms arising from a weak stomach, or vitiated bilious se cretion, indigestion, pain at the pit of the Stomach, Bilious or Sick Headache, Heart , urn, Loss of Appetite, Sense of Fulness after Meals, Giddiness, Dizziness, Pin over the eyes, &c. &c. Persons of a Full Habit, who are subject to deadache, Giddiness, Drowsiness, and Singing in the Ears, arising from coo great a flow of blood to the head, should never be without them, as many dangerous symptoms will be entirely carried off by their immediate use. They are highly grateful to the Stomach, create Appetite, relieve Langour and De pression of Spirits, gently relaxing the Bowels without griping or an noyance, removing noxious accumulations, rendering the System truly comfortable and the head clear. The very high encomiums passed upon them by a large portion of the public, is the best criterion •f their merit, and the continual statements of their good effects from all parts of the Kingdom, is a source of the highest gratification. Sold by T. Prout, -5214, Strand, London ; and by most Medicine Ven. dens in the Kingdom, Price Is • l%d. per box. Ask for FRAMPTON'S PILL of HEALTH, and observe the name and Address of 8 . Thomas Prout, '2'29, Strand, London," on the Government Stamp. DEBILITY, NERVOUS IRRITATION, &c. MEDICAL ADMONITORS.—The follow ing Works are intended to instruct those interested in Ukase subjects on points of importance to health or ease of mind : (Twenty-third Edition, ss. each) let. THE ,EGIS OF LIFE affords a comprehensive physiological history of the progress of the solitary passion, libertinism, and intem perance, exhibiting their rueful consequences, tending to sexual prostration, with the various forms of nervous irritation and mental anguish. HYOEIANA is written for the sensitive female, who, while she shrinks abashed at the idea of revealing her sufferings, may find i n its pages a confidential and capable adviser. It is especially cal culated for timid and delicate wives, whose maternal hopes have been deferred. 3d. THE SYPHILIST is intended for the perusal of those who are suffer ng from an insidious complaint, se frequently resulting from indiscretion or gaiety, and producing syphilis, gonorrhea, gleet, stric ture, kc. TESTIMONIALS. These books can be safely recommended, as well fir the moral truths they contain a for the extensive and successful result of the author's experience.—London Morning Journal. We agree with the Editor of the London Morning Journal, and re commend Mr. Goss's publications for general perusal. —Edinburgh Weekly Paper. The precepts contained in this work are interesting and useful.— Edinourgh Paper. Tnis publication, while it neither spares the aged voluptuary nor the youthful prodigal, offers to both the most important advantages. —Glaigow Paper. This work (Hygeiana), is properly called an analysis of some female complaints : it is written in a very peculiar style of moral admonition. —Dublin Morning Journal. These works have passed through twenty-two editions ; they com bine utility with simplicity, and we recommend them accordingly.— Dublin Weekly Journal. The above may be had of Sheerwood and Co., Paternoster-row, Lon. don ; and of all Booksellers.—Price ss. each. MESSRS. GOSS, M.R.C. Surgeons, may be consulted, every day, at their house; and Patients in the remotest parts of the country, can be treated successfully on their describing minutely the case, and enclosing a remittance for Advice and Medicine, which can be forwarded... iiLaoionorass w to t,iel a lr n b y e p . a e r o t o o re f i t y li t e . w o • k o c r d ld : aoNdooardiffieicounlytyprcoatneootoccufrr,omas obth serv e ation. Place, Strand, London. LONDON, MONDA Y, MARCH 25, 1839. NOTICE: T.ETTER S for GIBRALTAR and MALTA 41 may be forwarded by her Majesty's Packets, via FAL MOUTH, without the previous payment of the Posta g e. By command, W. L. MABERLY, Secretary. General Post-office, 18th March, 1839. WANTED, in a Respectable COFFEE HOUSE, A YOUNG WOMAN, between the age of 20 and 30, as HOUSEMAID, and to make herself generally useful. None need apply whose character will not bear the strictest investigation. At Legg - ,'s - Coffee House, St. Martin's-lane. NTATIONAL PROVIDENT INSTITU• TION, for ASSURANCE' of LIVES, ENDOW. MENTS, and ANNUITIES, 13, Nicholas-lane, King William• street. MEMBERS whose PREMIUMS become due on the Ist of April next, are hereby informed that the same must be paid within 21 days from that date. March, 20, 1889. JOSH. MARSH, Secretary. LIFE ASSURANCE ETY ASSURANCE. . _JTORS. John Allcard, Esq. Charles Hensley, Esq. Richard Low Beck, Esq. Joseph Hoare, Esq. John Burgess, Esq. John Laurence, Esq. William Clay, Esq., M.P. William J. Lescher, Esq. James Dawson, Esq, ' E. Hawes, Jun., Esq., M.P. Thomas Fowler, Esq. J. Francis Maubert, Esq. Francis Fox, Esq, Joseph Pease, Esq., M.P. W. Storrs Fcy, Esq. " J. Scholefield, Esq., M.P, Thomas H. Hall, Esq. John Travers, Esq. The Directors hereby give notice to members whose Pre miums fall clue on the sth of April Next, that the same must be paid within thirty days from that date. The leading principle of the Society is the appropriation (of the whole of the profits (undiminished by ageney or commis sion), by way of reduction in the premiums of members of five years' standing. METROPOLITAN SOLI FOR MUTUAL DIREC - . The premiums of members (who are the only proprietary of the Society) are payable yearly, half-yearly, or quarterly, on the sth of January, sth of April, sth of July, and sth of Octo ber, either of which several days constitutes the commencement of the year to members. Persons, therefore, desirous of enter ing the Society as members on the sth of April Next should ap pear at the office on or before that day. RICHARD HEATHFIELD, Superintendent. Princes-street, Bank, March 6, 1839. LIFE AND FIRE INSURANCE RATES, Reduced 30 per Cent. per Annum. LIFE ASSURANCE RATES.' Age 20 to 23 to 30 to 35 30 to 45 to 50 d.lse s. d.l£ s. cl.l£ a. cl.l£ s. (I.l£ s. 6.1. Z s. d. Premium. 11101 1 15 120101 2 6 0 1 2 012150 1 3 5 I This Company make no charges for intermediate ages under 50 years. FIRE INSURANCE RATES. Common Insurance. s. d. Private Houses and Shops (not hazardous) 1 0 per Cent. Hazardous Double Hazardous Farming Stock INDEPENDENT AND WEST MIDDLESEX ASSURANCE COMPANY, Opposite the Bazaar, Baker-street, Portman-square, London. South-St. David's-street, and High-street, Edinburgh ; Ingram-street, Glasgow; And Sackville-street, Dublin. Established and empowered under the several Acts of Parlia ment of 14th c. 48 ; 22d Geo. 111. ; 53d Geo. 111. c. 141; 3d Geo. IV. c. 92 ; and Ist Vic. c. 10. CAPITAL, ONE MILLION. In 20,000 Shares .f NI. each. MANAGERS. James Alexander, Esq. Thomas Knowles, Esq. George Anderson, Esq. H. R. Perkins, Esq. James Drummond, Esq. Thomas Price, Esq. William Reid, Esq. Samuel Eyre, Esq. Edward W. T a yl or , E sq . Robert Ferguson, Esq. Thomas-Hope, Esq. John Wilson, E sq . J. D. Hustler, Esq. William Whittaker, Esq. G. Williams % Esq. AUDITORS. Samuel Eyre, Esq. I John Wilson, Esq. I G. E. Williams, Esq. SECRETARY-Mr. William Hole. The Bank of England; BANKERS Bank of Ireland; and Western Bank of Scotland. _ _ SURGEON—James Devereux Hustler, Esq., Park-street. SURVEYOR—Simon Thurston, Esq., 9, Southampton-street, Bloomsbury-square. SOLICITORS—Messrs. Williams and San, 2,,Hart-street, • Bloomsbury-square. N ATIONAL LOAN FUND LIFE AS SURANCE AND DEFERRED ANNUITY SOCIETY. 26, CORNHILL, LONDON. 67, New Buildings, North Bridge, Edinburgh ; 36, Westmoreland street, Dublin ; 28, South Castle-street, Liverpool ; And 9, Clare-street, Bristol. Capital, 500,0001. EMPOWERED BY ACT OF PARLIAMENT. • PATRON-His Grace the DUKE of SOMERSET, F. R. S. DIRECTORS. T. LAMIE MURRAY, Esq., Chairman. • Col. Sir Burges Camac, K. C. S. George Lungley, Esq. John Elliotson, M.D. F. R. S. K. F. H. Mackenzie, Esq. C. Fel-another, Esq., Ald. John Rawson, Esq. H. Gordon, Esq. lJoseph Thompson, Esti. • Robert Hellond, Esq., M.P. AUDITORS. Dr. Olinthus Gregory, F.R.A. S. Professor Wheatstone, F. R. S. PHYSICIAN—J. Elliot son, M. D. 2 _ F. R. S. SURGEON—E. S. Symes, Esq. ACT UARY—W. S. B. Woolhouse, Esq., F. R. A. S. BANKERS—Messrs. Wright and ce., and Messrs. Ladbrokes, Kingscote, and CO. STANDING COUNSEL—W. Milbourne James, Esq. SOLICITORS—Messrs. Webber and Bland. SECRETARY—F. Ferguson Carnrous, Esq. LIFE ASSURANCE. The new principles on which this Society is founded, bring the benefits t f Life Assurance within the reach of all. It pro vides against the contingency of misfortune during life, as well as against the risk of death ; and even affords to the Assured a fund out of his premiums on which he can at any time operate, as his circumstances may require. It thus affords to the pru dent of all classes, the greatest facilities and most powerful en couragement to lay up a certain provision for the fui ure. Among other advantages the z,ssured will enjoy the follow ing :- 1. Moderate rates of Premium consistent with security ; be sides the parantee of half a million of capital. 2. No entry-money. 3. Power of converting the policy at any time into apayment in cash, a new policy, or immediate, or deferred Annuity. 4. After five years, two-thirds of payment on elapsed policies returnable at death. 5. The Assured, on complying with the eonditions of tha office, may, at any time, borrow two-thirds of all previous pay men.s, and the amount of any declared bonus. 6. Two-thirds of the entire profits on the Life Assurance, and on the investment of the Guarantee Fund, divided an nually among the Insured, and at their option paid in cash, added to the policy, or applied in reduction of future pre miums. 7. Great facility in effecting Insurances. Premiums payable by one payment, or annually, half-yearly, quarterly, or monthly, or on the increasing or decreasing scale. 8. Females assured at one year less than their actual ages. 9. Relaxation of restrictions on travelling beyond the limits of Europe, except to places specially enumerated, and a policy in force seven years not forfeited by suicide. SPECIMEN OF ANNUAL PREMIUMS TO INSURE XIOS. Age `2O. I Age 5.1 Age 30. I Age 35. I Age 4 , ". I Age 45. I Age 50. s s. d. £. s. d. d. s. d. d. .Z s. d. 1 13 7 1 18 6 2 4 4 2 10 11 2 11 S 3 U 4 4 4 2 DEFERRED ANNUITIES. By the operation of the same new principles, the Society is enabled to afford to the public a plan of DEFERRED ANNUITIES far more advantageous than any hitherto offered, whereby an individual, by the contribution of a very small annual, monthly, saving, may secure either a comfortable provisionon hly for o r weekly saving, in advanced age, or at his option, a large sum of money, or a policy to his family at his death. The industrious classes, hitherto obliged to resort to Savings' Banks and Benefit Societies, will find in this scheme a far safer and more profitable application of their savings. This Society is enabled, by judicious and accurate calculations, to afford a Deferred Annuity of a much greater amount than has hitherto been offered, beside, the option of exchanging this annuity when payable, for a large sum in cash, or a still larger Policy, payable without premiums at death ; while, by giving to the purchaser, at any time preceding the stipulated term of the Annuity's commencement, the power of borrowing two-thirds of all previous payments, it removes all risk of forfeiture from inability to continue premiums, besides affording an ample re source during sickness and want of employment ; and, should the purchaser die before arriving at the stipulated period, two thirds of his payments will be returned to his representatives. The purchaser has also the power of converting, on equal terms, his deferred into a prese it Annuity. The following tables are a specimen of the great and varied advantages which the judicious application of a small saving can secure through the Society. SPECIMENS OF DEFERRED ANNUITIES. e l ; P on ßE_ MIUMS. AnnuityXlo 9 0 I. BENEFITS. a o tta se i c n u in rl g the 1 age of Fifty, Cash% 128 11 Secured, ifty.b o y n aanttaAinninnugalthpereamluom), T of 2/. 12s. I the option of P°licY • .262 1 ii ta. ni › > Payable Payable , ~Q .. ~ • •-• Payable in f o r ~ M i, Annuity. Cash. Policy. T.,, annually. One Dig a y Sum . . parity. ':. •••• X. s. d. X. s. d. X. s. d. X. s. d. X. s. d. Z 7.77 20 10 12 6 136 12 II 214 15 0 21 2 9 141 1 0 0 0 0 25 714 8 99 8 0156 6 0 25 3 7 3 51 15 0 14 1 9 30 5 8 10 69 19 0 109 19 0 30 4 35 7 65 7 4 31 18 0 Secured, on attaining the age of To secure, attaining t AnnuityXlo (14 Sixty-five, by an Annual Pre- Cash 82 10 0 mium of 21. 12s, £. s. d. X. s. d. X i. d. age of 65, the on e Policy 97 8 6 X. s. d. X. s. d. 20 47 16 6 394 11 0 466 0 C 20 010 11 10 010 0 0 0 30 26 15 10 221 0 0 I option z .. of £. e. 261 0 C 30 019 6 16 7 1 7 311 40 13 19_9 115 5 8 136 6 I 40 ll7 3 27 311 19 410 Prospectuses, detailing the objects of the Society at length, with every variety of Tables, may be had by application at the Office, or at any of the Branches which are established in most of the principal towns of the United Kingdom. ANTI-COAL MONOPOLY ASSOCIATDN. AT a MEETING held at the Storey-gate Hotel, Westminster, on Saturday, the 23.1 day of March, 1839, GEORGE RENNIE, Esq., in the Chair, the following resolutions were carried unanimously.:— I. Resolved—That the most satitfactory evidence having been given of the extortions and other abuses of the Coal Com binations, and of the means by which the same may be defeated, this Meeting approves of uniting the Consu tiers of Ccal into an Association, with such Capitalists as may join them, under the name of the " Anti-Coal Monopoly Association." 11. Resylved—That the following gentlemen, having signified their support of the cause, be requested to act as a Provisional Committee, with power to add to their number • Chairman —J. T. LEADER, Esq., M.P. Attw3nd, T., Esq. M.P. Rennie, Geo., Esq., No. 1, Blewitt, R. J. Esq., M.P. Chesham-place, Belgrave. Bird, J. , Esq. , Congreve House, squrre. Birmingham, and Dints Smith, Dr., Geologist. Mowddwy, Wales. Thompson, Col. Peyronnet, Ewart, W., Esq., M.P. Hanover-terrace, Regent's- Galloway, Alex., Esq., C.E. park. Hill, Rowland, E sq ., F. R . S. Villiers, Charles, Esq., M.P. Lewis, David, Esq., No. 4, W a ll ace , R o bt., E sq ., M.P . Chesham-place, elrave- Wilson, Thos., Esq., Bank square. hall and Silkstone Colliery. Pryme ' Geo., Esq., M.P . Resolved—Th a t the following Address be issued as the Prospectus of the Association; that the same be advertised; and that the Provisional Secretary be instructed to cause the same to be left at the liouses of all Consumers of coal throughout the Metropolitan Districts:— " AIDE Tor, ET LE CIEL T'AIDERA." PROSPECTUS OF THE ANTI-COAL-MONOPOLY ' ASSOCIATION. FIRST CAPITAL, 800,000/. In 50,000 Consumer's Shares of 5/. each ;,and 25,0001. CapitalistSkeYes of 101. each Each resolvable into the other when convenient ; and the latter bearing interest at the rate of 5 per cent. per annum ; the Consumer's Shares renewable for ever. No Deposit—no Subscription Deed—no Act of Parliament= Market' Ships s old Pool Price of the Number of Days. Number o f Vessels Deeem. fro m the Vessels wait- , etained in 1838 each day Best Cea s ' ing for Meters. i , s' Scction,. - -- ---__ s. d. I 3 31 25 C 1297 Return not 5 13 25 0 945 perfect. 7 44 24 3 94 293 10 66 24 3 94 375 12 47 24 6 101 336 14 59 24 9 106 300 17 59 25 0 100 360 19 5S 25 3 107 nis 21 f 4 25 0 it 26 306 21 41 25 0 109 315 26 49 25 0 13' 299 29 47 s.i 0 143 297 31 50 24 9 152 '..93 ----- --- Average 48 24 9 Ul 1 325 Average CHARLES ROWLAND, Harbour Master. Average Detention of Vessels in the River—Twenty-three Days. The effect of this system has been to raise prices to a great extent, and to decrease the consumption ; —thus, whilst Lon don is annually increasing in population, there has been a posi tive decrease in this chief article of comfort and of necessity. There were imported into London In 1837 2,626,997 tons In 1838 Less in 1838 than 1837 by 45,912 tons with probably an increase of half as many inhabitants ! Whitehall, IV. Resolved—That further subscriptions be entered into to such Sub defray the preliminary expenses of forming the Association ; and that the money . so subscribed be repaid (without interest) to the parties advancing the same, when such Association is it t l h e e s s rs . tn a n r c e l n C ei p ve, formed; and that books be opened at the London and West scriptions. V. Resolved —That the thanks of the meeting be given to the Right Hon. the Lord Mayor of the City of London, for his m Provisionali n s t e r Bank, Bankers n and k great, unwearied, and unparalleled exertions in the common cause ; and that the Chairman and other gentlemen be ap pointed a deputation to wait upon his Lordship. ers at to - GEORGE RENNIE, J i (Signed) in. Chairman. VI. The Chairman having left, and David Lewis, Esq hay ing taken the Chair, it w as Resolved—That th e thanks of the Meeting be given to George Rennie, Es q., f or h is able conduct in the Chair, and his persevering exertions in the cause. Applications for Shares may be made to Walter Blount, Esq , Provisional Solicitor to the this sciion, ectos 4, Parliament-street; or to the person delivering Prosp ; but th ey must be in writing, and distinguish in g whether Capitalist's or Consumer's. CONFINEMENT OF THE E BOWELS. W. PINE respectfully recommend s p ersons who habi tually take Opening Medicines, to abandon the injurious prac tice for the amgentlet instantaneous 'operation of a little plain water, applied by eans of Dr. Scott s APERITIVE FOUN TAIN, lady's reticule, TAIN, which having been filled from the .toilet jug, may be conveyed, unperceived, in the pocket or in to any appropriate place; conferring upon the use of the Lave: ment every convenience and comfort that can be wished for by excluding the most infirm invalid or timid female, esp ec i a ll y of air 1 W. P. begs also to announce that he has supplied more than 10,000 d e af persons with Dr. Sc ott ' s C ORNETS, w hi c h, to meet the convenience of all c• asses, are construct e d o f t h e smallest size to which philosophical principles limit the utility of practical aco ustics ; and below wh i ch , no art or contrivance is of the least service ! 'They may at any time be fixed upon the ears in a moment, and as easily removed. Hats, caps, and bonnets may be put on over them, which permits of their being worn abroad as well as at home ; and they are therefore available at church, public assemblies, and places of business, ensuring the perpetual enjoyment of hearing to the deaf, through all the varied pursuits and pleasures of society. To be procured, only of Mr. W. Pine, Superintendent at Dr. Scott's Medical Repository, 369, Strand (three doors from Exeter-hall), London. • AT a NumerousIMEETING of PROPRIE TORS, MERCHANTS, and others, interested in the COLONY of JAMAICA, convened by public advertisement " To take into consideration the measure about to be sub mitted to Parliament by the Government, suspending for a limited period, the Assembly of Jamaica," held at the West India Committee Room, St. James's-street, March 23, 1839, The Right Hon. the Viscount St. VINCENT, in the Chair. It was resolved, That this meeting earnestly deprecates and protests against the adoption of the proposed measure, which deprives the great colony of Jamaica of the functions of its Assembly, and thus suspends a constitution cotemporaneous with the first settlement of that colony which has been uninter ruptedly enjoyed, and which is based on the fundamental prin ciples of the law and Constitution of Great Britain. That in the opinion of this meeting the suspension of the functions of the Assembly will be injurious to the interests of Jamaica landholders and the community in general, and is cal culated, in the present critical state of the colony, to place in still greater jeopardy its property and welfare, and the success ful issue of the great measure if emancipation. That these resolutions be transmitted to Viscount Melbourne and the Marquis of Normanby, with a request tint their Lord ships will appoint an early interview with a deputation: on the subject. Thal petitions, founded on these resolutions, be prepared and presented to her Majesty and to both Houses of Parliament. That copies of these resolutions be transmitted to the out ports of Liverpool, Bristol, and Glasgow; and that they be advertised in the public papers. (Signed) ST. VINCENT, Chairman. Lord St. Vincent having quitted the 4air, It was resolved by acclamation, That the thanks of this Meeting are eminently due to Viscount St. Vincent, for the kindness and ability with which his Lordship has conducted the business of the day. GEORGE SAINTSBURY, Secretar MEDICAL ASMALL RETAIL a nd PRACTICE, offering a . good opportunity for a YOUNG MAN to establish himself, in a Populous Neighbourhood near Town, for disposal with the Stock, Fittings-up, and some Furniture, for 100 Guineas. The Rent is only 301., with several rooms for letting, and a garden. Apply to Mr. Lane, Medical Agent, 13, John (late George) Street, Adelphi, between Twelve and Four. EASTERN COUNTIES RAILWAY COMPANY. TENDERS for LOANS under the Provisions of their Acts of Parliament. The DIRECTORS of the EASTERN COUNTIES RAILWAY are prepared to receive TENDERS for LOANS of MONEY on Interest, at the rate of Five per Cent. per An num, for Sums of not less than three years. Interest to be paid half yearly. Tenders stating the sums, and the terms of years, to be ad dressed to the Secretary, at the Company's Offices, 4, Ade laide-place, London-bridge. HENRY BOSANQUET, Chairman. London, March 12,1839. ABINET UPHOLSTERY and BED- DING, at the CABIN ET-MAKERS' TRADING SOCIETY, 71, LEADENHALL-STREET, enrolled agree ably to Act of Parliament ; being the Manufacturers in all its branches. The system upon which this is conducted precludes the pos sibility of competition for cheapness, quality, and durability, as no house in London can manufacture at their prices. The Society wishes it to be thoroughly understood that they do not receive hawked goods for sale, like the baracers and haber dashers, but they make every article themselves, which enables them confidently to warrant their goods of the best materials, and if any fault appears within twelve months, it will be made good free of charge. A trial is earnestly solicited of those about to furnish, as the eonly criterion by which the merits and de cided advantage of purchasing at this establishment can be fairly estimated. The funds of this Society provide for the members in sick ness, old age, and burial ; they therefore sincerely hope that their humble endeavours will meet with public patronage. Estimates oiven, and orders punctually executed; and lists of prices may be had, from which the following is an extract Mahogany lounging chairs, covered with leather, with spring seats, 455. each ; mahogany chairs in horse-hair seating, 134. 9d. each ; Trafalgar, 17s. 6d. -ditto ; mahogany sofas, 90s. each ; mahogany Pembroke tables, 21s. ; mahogany four-post bed steads, 60s. ; tent ditto, 20s. ; furniture, ditto, 21s. ; japanned chairs, 25.; cane-seat ditto, 3s. 6d. ; japanned stands and dress ing -tables, 6s. each ; japanned drawers, 345. each • mahogany ditto, 445. ; feather b e d s an d ma t tresses, warran t e d free from dust or smell, or the money returned ; solid rose-wood chairs, stuffed with horse-hair, from 255. each ; couches, 61. 10s. ; ditto 100 tables, f rom 4/ . 10 s. ; ma h ogany ditto,7os. each ; fancy chairs, 7s. 6d. each. Window-curtains and bed-furnitures made from the newest designs. Old furniture cleaned, and re-made. Portable and solid furniture for Ship cabins, Yachts, and Steam-boats elegantly fitted. 71, Leadenhall-street. C. LAVERS, Secretary. THE FREQUENT ROBBERIES OF PLATE. CAUTION. It having been represented ie itIPPON and BURTON that several persons are vending a spurious metal as their NICKEL SILVER BRITISH PLATE, they assure the Public that the Genuine Article can only ;he had at the Warehouses, 12, Wells-street, Oxford-street. The Nickel Silver Britia Plate manufactured by Rippon and Burton, is, by a chemical process, rendered superior to any other so called, in appearance and durability ; it is equal to silver ; all the articles being solid and of wrought material, they improve with use, and are war ranted to stand the test of that strong acid aquafortis. The following prices are named as a criterion S. ti. Table Spoons and Forks, full - King's Pattern Table Spoons size, with fiddle handles, and Forks, full size, per per dozen Dessert 010. IU • Do. Dessert, do. do., per Tea Spoons, per dozen a • dozen Gravel Spoons, each 4 5 , D. Tea, do. do. do l5 0 Fish Knives, each Rutter Knives 2 o D o. F is h Knives, do. Salt and Mustard Spoons .... IP fi Do. Salt and Mustard Spoons, S.ttp Ladles ll C do 1 3 Sauce Ladles 1 6 D.. Soup Ladles, do l4 0 Sugar Tongs, each Table Candlesticks, per pair 16 (.. Do. Sugar Tongs, do. Chamber ditto, complete, Decanter Stands, chased each lO 6 edges, per pair Cruet Frames, Shell Mount- Snuffers, do fo 6 ings Bread Baskets, Tea and Coffee Sets to match, B,:c. Purchasers are recommended to apply, post paid, for a Cata logue, which can he forwarded for a single postage. WARRANTED TABLE CUTLERY. Table Knives, with Ivory Handles, per doz. 145.-Dessert Knives, 12s. -Carvers, per pair, 55.-The Long Set of 50 Pieces, 10s.-The same to Balance Table Knives, 165.-Desserts, 14s. -Carvers, ss. 6d.-Large size Ivory-handled Table Knives, 18s. -Desserts, 16s. per doz.-Carvers, 6 1 .-Th e same to Balance Table, 215.-Desserts, 155.-Carvers, 7s. 6d.-White Bone Handled Table Knives and Forks, 9s. per doz.-Black Horn handled Table Knives and Forks, lls. er doz.-Desserts, Bs. -Carvers, 2s. 6d.-The Knives and }forks both warranted of the very best steel. FENDERS, FIRE IRONS, CORNICE POLES, &c. Fashionable Black Iron Fenders from 95.-Bronzed ditto from 125.-Brass ditto from 225.-Polished Steel Fire Irons from 55.-Block Tin Dish Covers the Set, 1 ls.-Improved shape ditto, 165.-Patent ditto, the very best quality and newest shape that is made, 355.-Japanned Bottle Jacks, warranted to carry 251b3., 7s. 651.-Brass ditto, 9s. 6d.-Brass Stair Rods, 3s. 6d. per doz.-Brass Cerniee er Window Curtain Poles, Is. 6(1. per foot.-Copper Tea Kettle to held 1 Gallon, 75.- Copper Coal Scoops, from 10s.-Tea Urns, to hold 6 Quarts, from 275.-Shower Baths, with Force Pamp and Curtains complete, 90s. Purchasers arc recommended to visit th. Warehouses, Wells street, Oxford-street; or to apply for a Catalogue of prices, which can be forwarded for a single postage. Country Orders to contain a remittance. All Pestages to be paid. Established Is2o. 39, ALBEMARLF—STREET, PICCADILLY. SIGHT and HEARING. TESTIMO NIALS on the Messrs. S. and B. SOLOMONS' newly invented SPECTACLE LENSES and VOICE CONDUCTOR for Deaf rerions. From James Blundell, Esq , M.D. : " 1 have now tried for some time the Messrs. Solomon,' newly invented Spectacle Lenses, and have experienced much benefit ; they are far preferable to my vision than any other Lens; the relief is v. ry great, in particular by candle light, and in course of use for a length of time the clearness ot the transparency brings every object very distinct ; they can be fully appreciated only by those who, like myself', may stand in need of them. " JAE I, Great George.street, WestinWestminster ." BLUNDELL, M.D. " We, the undersigned, have been for some time making use of Messrs. Solomons' newly invented Spectacle Lenses ; the astonishing relief they afford to imperfect vision gives them the decided prefer ence to every ether kind of Lens—the clearness of the transparency brings every object very distinct, and enables individuals to view the most minute particle with perfect accuracy. They are particularly pleasant by candle light, as they appear cooling to the sight, and soften bright and brilliant light.—George G. Signiond, Esq., M.D., 24, Dover-street; J. Ramsbothain, Esq., M.D., Broad-street-buildings ; F. H. Ilamsbotham, Esq , M.D., New Broad-street ; li. Colbouru, Esq.. M.D., 28, Harleyford-pkce, Kenningt o n • G. Charles, Esq.. M D., Putney ; I'. J. Pettigrew, Esq., Saville-row •; J. Elliotson, Esq., F.R S. Conduit-street Shillito, Esq., M.D., Put ney ; S. D. Robinson, Esq., M.D., Cheltenham; E. H. Allnatt, E sq . , 51. 1 )., Wallingford; J. C. Hall, Esq., L.S.M. A.S., Surgeon, Ken. sington ; F. Daldy, Esq., Surgeon, z,3, New Broad.:street; Messrs. Griffiths and Duncan, Surgeons, 3, Leadenhall-street ; C. Higham, Esq., Surgeon; 46, Davies-street, Berkeley-square; A. White, Esq., Surgeon, 3, Parliament-street; W. Day, Esq.. Surgeon. Isleworth ; John Hooper, Esq., Surgeon, 9, Newington-place, Kennington ; E. Stoddart, Esq., Surgeon, 32, golden-square ; R. Higham, Esq Sur geon, 273, Regent.street ; C. T ona lly, Es q, S urgeon, Camden Mown; John Cornely, Esq., 4i, Great Alie.street ; R. J. Pollock, Esq., Sur geon, Kensington; G. Griffiths, Surgeon, Hammersmith ; R. Noble, Esq., Surgeon, 36, Albemarle-street; W. Joncs, Esq., Sur. geon, 15, Lower Brao%-street, Grosvenor-square; W. English, Esq , Surgeon, Denmark-hill, &c. &c. In placing the above Testimonials before the Public, the Messrs. So. lomons, Opticians and Aurists, state that their Invisible Operative g \co e l a c t e l y e b on e n d e u n c. t t e e t b s y t t w , i s c t h z h o o f u a s a thousands e rt is - f s h D li e l a i n f 8 P e p r i e s o c e n h , s en a d ve u b l e e e n n fixed into the cavity of the ear is soft and easy, and not more per ceptible than having a piece of wool in its place, by which the faintest whisper at a public assembly is heard with distinctness. These important new invention! are patronised by their Majesties the King and Queen of Hanover, and their Royal Highnesses the Princesses Augusta and Sophia, her Serene Highness the Princess Esterhazy,tbe Princesses Mary and Rosa, and his Grace the Duke of Manchester, &c. &c. 39, Albemarle-street. In consequence of the gross imposition in the Country It is neces sary to state that no Travellers are employed by the alpove Estab lishment. ESTOR ATI V E FOR THE HAIR. O.J TO THE EDITOR OF THE « SHIPPING AND MERCANTILE GAZETTE."' SIR, —Being a daily reader of your usetlil Journal, I am anxious to make known through its columns the value of a preparation called 4, Oldrdge's Balm of Columbia," for the purposes of restoring, strengthening, and preventing the loss of hair. It was first recom mended to a member of my family—who, at the time was rapidly losing her hair—by a lady of title, residing in Clarges-street, Picca dilly (whose name I have no authority for publishing), and by the use of this preparation, the hair had ceased even within a day or two to fall off in the way it had done, and that had already deprived the head of more than half" its fair proportion ;" but before the package —of but a few shillings cost—was consumed, the remaining hair be came periectly firm and strong, and an abundant" crop" made its ap_ pearance in place of what had been lost before. As the knowledge of the fact may be of the same benefit to others similarly circumstanced, I am in4uced thus to trouble you : and as I pledge you my word that I have no knowledge whatever of the pro prietary of the production, nor object in the matter other than that of a desire to render the in formation available " to all whom it may con cern," I trust to your us ual liberalli a ty rm t i o s g ir i , v y e o i u t .r p s o h b s: li c cm.italiSH MARSHALL. W. Lloyd-square, Pentonville, London. Jan. I!, 1839. C. and A. OLDRIDGE'S BALM prevents the hair turning grey, produces a beautiful curl, frees it from scurf, and stops it from falling off, and a few Bottles generally restore it again. Price 3s. 6d., Cs., and I Is. per Bottle. No other prices are genuine. Some complaints have reached the Proprietors of a spurious Balm having been vended; they again caution the Public to be on their guard against the base impostors, by especially asking for OLD RIDGE'S BALM OF COLUMBIA, 1, WELLINGTON-STREET, STRAND. PERRIN'S FRENCH SCHOOL BOOKS. I. 25th Edition, t2mo., 2s. bound. ANEW and EASY METHOD of LEARNING the SPELLING and PRONUNCIA TION of the FRENCH LANGUAGE. Part I. contains French Words arranged in alphabetical order, with their signifieations in English, Ike. Part 11. A clear and concise Introduction to the Grammar ; a Vocabulary of Words most generally used in both Languages ; some familiar Phrases and short Dialogues, serving as an INTRODUCTION to the ELEMENTS of CONVERSA TION. Revised by C. GROS. 11. 27th Edition, 12m0., price Is. 6d. bound. THE ELEMENTS of FRENCH CONVERSATION, with familiar and easy Dialogues, each preceded by a suitable Vocabulary in French and English. Designed particularly for the use of Schools. 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" A very masterly analysis and argumentative refutation of the licentious system, as propounded by Robert Ovien."— Patriot. " In such hands, the would-be-philosophy of Mr. Owen and his friends, cuts a very sorry figure."—Evangelical Magazine. " A very able lecture ; the style is lucid and forcible, the rea soning cogent and convincing, and the pages are studded with passages which call up in the mind an image of Robert Hall." —Baptist Reporter. London: Simpkin, Marshall, and Co., Ward and Co., G. Wightman ; John Heaton, Leeds : Ryles, Bradford ; Leader, Sheffield; Love and Barton, and Ellerby, Manchester; Marples and Co., Liverpool; Wilcockson and Co., Preston; Showell. Birmingham; John Niven, Jun., Glasgow. DUVERGER'S FRENCH SCHOOL BOOKS. Fifth Edition, in 12m0., price 4s. 6d., bound. ACOMPARISON BETWEEN the IDIOMS, GENIUS, and PHRASEOLOGY of the FRENCH and ENGLISH LANG UAGES. 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In the Press, I vol. s vo. London : Longman, Orme, and Co ; T. Cadell ; J. Rich ardson ; J. M. Richardson ; Baldwin and Cradock ; J. G. and F. Rivington; Hamilton and Co. ; Whittaker a n d c o ' Harvey and Darton ; T. Rumpus ; a. Sherwood and Co. ; Duncan and Malcolm ; Simpkin, Marshai,; and Co. ; J. Souter ; Cowie and Co. ; Houlston and Stone. Cambridge. : J. and J. Deight " I. man ; Allen and Co. ; Mackie; J. Capes; H. Washbournel; Booker and Wimp ..on., Edinburgh: . Stirling ; and Co. --- T — Tj, y T. HILL, Medical Bookseller, Great Wind Haymarke . t, price r 2s. 6d, 4 PRACTICAL ESSAY on the AL TIES of the GENERATIVE Just publisiie SYSTEM, their Va. mill-street, r i • s, Causes, Treatment, and Cure. BevtaleMEMßE It of the ROYAL COLLEGE of SURGEONS, London. and Surgeon to a Metropolitan Infirmary. Sold by Onwhyn, Catherine -street, Strand ; T emp i em. ,„ , 248, Regent-street, London ; Barlow, Birmingham ; lto ::n•' Nightingale, Liverpool ; at the Manchester and Salford A vertiser Office, Manchester ; and ali Booksellers in Town Country. - I IMMEDIATE BENEFITS OFFERED TO THE PUBLIC. LIFE ANNUITY RATES, CALCULATED on EQUITABLE PRINCIPLES ! ! ! FOR EXAMPLE : For every 1001. deposited, this Association will grant the An nuity placed opposite the Age of the Party depositing. (From 501. and upwards, in proportion. Age 30 to 40t015 to 50 to 55 to CO to 65 to 70 to 75 to 80 £8 £9 1•1£10 101£12 101£15 10 1 £20 0 r 25 Per Per Per Per Per Per Per' Per Per Cent. Cent. Cent. Cent. Cent. Cent. Cent. Cent. Cent. no Debts—no Credits. The object of this Association is to secure to its Members of the consumers' class, Coals of every destription, at the cheapest rate at which they can be procured, without being subjected to any of the monopoly regulations or exactions. In order to effect this great object, it is necessary that the Association should be self-dependent; that it should have its own pits, its own vessels, its own wharfs, wareh ouses , wag gons, &c. ; or that it should have contracts, binding down parties for any of them at the lowest stipulated cost. Great and praiseworthy efforts have been made by the Right Hon. the Lord Mayor, and others, to break down the Coal Monopoly, and with considerable success; but it must be evi dent to all that so long as the chief sources of supply rest in a few combined hands—so long as the Public cannot command their own means of production, carriage, and delivery—no iso lated efforts, however gigantic and persevering, can entirely succeed in placing the necessary article of fuel, at the lowest cost, in the cellar of the consumer. The Monnpolists have set at defiance the Legislature; they set at defiance the Lord Mayor, and ail other individual oppo nents ; they would crush any single-handed rival disposed to open trade ; they dare not set at defiance the combined Con sumers ; they cannot crush a Hundred Thousand Shareholders, with the means of supply in their own possession. Besides the enormous artificial cost laid on coals by the deten tention of vessels—the limiting the supply beneath the de mand—the agency of factors—the large per- centage of profits to cover bad debts and long credits—there are great frauds in the mixing of coals, by which the public are injured to a large extent. This Association will save the cost and prevent the fraud. Men who are their own Coal-merchants can have no temptation to tax or cheat themselves. The preliminary measures for this Association have been going on for twelve months. Every inquiry has been made necessary for the completion of the undertaking. Persons con nected with the monopoly in the north are desirous of breaking from it, and have offered their pits at a valuation to be taken in shares. Other mines of coal yet unworked are offered at a low seignorage. Contracts are offered of the best Silkstone and Flockton coals of Yorkshire, of the coals of Staffordshire and Derbyshire, and of the Welch and other coals of great value for particular purposes. Contracts for freight, for wharf age, for delivery are offered ; and even now, before the posses ,ion of their own resources within themselves, excellent domestic coal may be placed in the cellar of the consumer at from 21s. to 225. per ton, leaving Is. per ton to pay five per cent. in terest to the capitalist, and all the expenses of the manage ment. _ . It is not proposed that this Association should sell any coals, but only supply its own members. It will have no individual objects to serve. The gentlemen provisionally acting disclaim any other interest than that which is common to the community. They have advanced the necessary expenses of its formation, which they expect to be repaid, but no more. They will fill up no places or offices save provisionally, and those without salary. The Association will be a Joint Stock Company, but without the ordinary characteristics of Joint stock Companies. There will be no deposits —no responsi bility—no self-constituted directors or officers—no liability to the laws of trading, partnership, or bankruptcy. A gentleman or tradesman who takes ten or twenty consumers' shares in this Association may, while he remains in London, get his 501. or 1001. worth of coals at their natural cost, with the addition of 5 per cent. to the capitalist ; and, when he chooses to go into the country, need not have one farthing of his money lying idle or unproductive, but, by exchanging his con sumer's tickets for capitalists' tickets, will get his 5 per cent. until he return, and then exchange again for consumers' tickets, and save probably 30 per cc .t. in the price of his coals. A self-protecting Association against the Coal J.llonopolists was formed in Edinburgh the year before last, which had the effect of enabling coals to be procured during the dreadful winter of last year (when they reached the enormous price of 455. per ton in London) at a eleaper rate than during the preceding summer and autumn, and which enables the best Scotch Coal to be now procured in Edinburgh at 12s. per ton, and the Newcastle Coals at 17s. Dd. per ton. It is proposed that there shall ultimately be twelve Director s, each holding 100 Shares, six from the Consumer's class, and six from the Capitalists' class, with salaries to be fixed upon at a general meeting of the Shareholders. Two Directors of each class, eligible for re-election, to go out annually. All appoint ments of permanent officers to be made by the Directors thus chosen. The Duke of Wellington, in a speech on the finances of the country, during the Administration of Earl Grey, said, «He was not opposed to the repeal of the coal tax, or any other tax, merely because it was a reduction of taxation, but the Noble Earl, would recollect, on a former occasion, he thought that the best plan of reducing taxation was that which relieved the con sumer; and, regarding the coal trade, he had said that the best way was to correct the abuses to which it was subject, and he was sure the abuses in that trade operated more than taxes in raising the price of the article." The machinery of the system to which his Grace alluded may be traced in the following facts. In the North the great Coal owners enter into a bond, with heavy penalties to each other, not to send more than a certain quantity of coals to the London market, and to sell coals to none who will not sign a paper agreeing to conform to the regulations of waiting their turn. In the South those regulations are, that, when coals are in the Pool at 235. 61. per ton, only forty cargoes shall be sold—when 235. 9d. and 245., fifty cargoes—when 245. 3d. to 245. 6d., sixty cargoes—when 245. 9d., seventy cargoes—and a reduction of ten ships for every shilling below 235. 6d. The operation of this may be seen in the following table : An Account of the Number of Vessels coal laden sold from the Pool on the Coal-market each Market-day during the month of December, 1838; the Price of the Best Coals (Lambton) ; the Number of Ships waiting for Meters at Four o'Clock ; and the Number detained in the different Sections of the River, between Bugeby Hole and Gravesend : PRICE sd. PUBLICATIONS. Speedily will be published, a reprint •of rIIFIE ARTICLE on COAL (COMBINA TION in the SECOND NUMBER ottbe MONTHLY CHRONICLE, with mart' curious additions, dedicated, by ppinission, to the Right Hon. the Lord Mayof, by its Author, W. S. NORTHHOUSF, Esq., Parliamentary Agent and Provisional Secretary to the Anti-Coal Monopoly Association. The profits of the sale to be given to any Charity to be fixed upon by the Lord Mayor. Price 6d., or per hundred, for general distribution, 1/. NoW ready, pricethe SUBSTANCE of LORD HOWICK'S SPEECH on the CORN LAWS. Ridgway, Pieeadil:y. Now ready, price is. bound i n c l o th ; THE EARL of DURHAM'S REPORT ; OFFICIAL CORRESPONDENCE, &c. on CA NADA. Ridgway, Piccadilly. THE SEVENTH EDITION OF SIR LYTTON BULWER'S NEW PLAY , RICHELIEU; or, THE CONSPIRACY, IS NOW READY. Saunders and Otley, Conduit-street. 'On Tuesday, March 26, THE SECOND PART OF • TROLLOPE'S « FACTORY BOY." Henry Col burn, Publisher, 13, Great Marlborough -street. Just ready in post Bvo., MR. G. P. R. JAMES'S NEW ROMANCE, HARLES TYRRELL 'kJ „Richard Bentley, New Burlington-street. *„*" Orders received by all Booksellers. THE FOURTH EDITION. Now ready, in 2 vols. with Plates, price 215., SAM SLICK'S SA YINGS and DOINGS, First and Second Series. :By the same Author, THE BUBBLES OF CANADA. Second Edition. One Volume, Bvo., 12s. Richard Bentley, New Burlington-street. THE NEW EDITION, In 4 vols., Svo., with numerous fine Portraits, of THE LIFE AND TIMES OF OUIS THE FOURTEENTH, By G. P. R. JAMES, Esq. Author of " Darnley," " The Huguenot," " Charles Ty," &c., WILL BE PUBLISHED WITH THE MAGAZINES On SATURDAY NEXT. Richard Bentley, New Burlington street. (Publisher in Ordinary to her Majesty). NhW VOLUME of " THE STANDARD NOVELS." With the Magazines on the 30th inst., complete in one Volume, neatly bound, and embellished with Engravings, price Six Shillings, THE BIVOUAC ; or STORIES of the PENINSULAR WAR. By W. H. MAXWELL, Esq., Author of " Stories of Waterloo," " Wild Sports of the West,' " Captain Blake, or My Life," &c. Forming the New Volume of THE STANDARD NOVELS and ROMANCES. Richard Bentley, New Burlington-street. Just published, 2 vols. Bvo., price 18s. boards, ATREATISE on the INDUSTRY of NATIONS ; or the Principles of National Economy and Taxation. By J. S. EISDELL. Esq. Vol. 1, Production—Vol. 2, Distribution, Consumption, and Taxation. Whittaker and Co., Ave Maria-lane. • Just published, price 6s. neatly bound in cloth, THE OBLIGATION and EXTENT of HUMANITY TO BRUTES ; especially considered with reference to our Domesticated Animals. Addressed to all persons, but particularly to the Sportsman, the Breeder, the Grazier, the general Farmer, and all young persons. By Mr. YOUATT, Author of the " Horse," " Cattle," and " Sheep." " Throughout the work before us there is the stamp of the practical man with no professions of sentimentality, and no touch of the cant of sensibility. Mr. Youatt produces his facts in all their hideousness, and offers them with no special pleading to the indignation of the reader. We cordially re commend the entire work to general perusal."—The Examiner. Published by Longman and Co., and sold by all Booksellers. T HE LONDON AND WESTMINSTER REVIEW, No. L XIII., Will be published on WEDNESDAY, the 27th, Containing :- 1. LITERARY LIONISM. 2. PARISIAN CARICATURES: ROBERT_MACAIRE, CHA RIVARI, &c. S. THE PIANOFORTE: HERZ, MOSCHELES, LISZT, THAL. BERG, &c. 4. LEOPOLD AND THE BELGIANS. 5. IRISH HUMOUR AND PATHOS: WILLIAM CARLETON. 6. CRITICISM ON WOMEN: THE QUEEN : HON. MRS. NORTON, MISS EDGEWORTH, LADY MORGAN, MRS JAMESON, AND MISS MARTINEAU. 7. SAM SLICK, AND SIR F. B. HEAD: CANADIAN AF FAIRS. R. RE-ORGANIZATION OF THE REFORM PARTY. London Henry Hooper, Pall Mall East. Edinburgh : Adam and Charles Black. THE L A N C ET, MARCH 23. Edited by Mr. WAKLEY, M.P. CONTENTS:- 1. Lecture by Dr. A. T. Thomson, on the Endermic Method.-2. Papers on the Action of the Ergot of Rye.- 3. Cases of Strangulated Hernia, with Operation.-4. Medical Evidence at Inquests.-5. Poisoning with Harper's Stove.- 6. Nature and Treatment of Nmvi.-7. Scald of the Glottis.- 8. Cases of Paralysis.-9. Preparations of Gold in Scrofula.- 10. Fatal Bleeding at the Nose.-11. Hospital Erysipelas.- 12. The Vectis in Protracted Labours. Lancet Office, Essex-street, Strand ; and all Booksellers and Newsmen. Just published, price Fiv e Shilli ngs i n c l ot h b oards, THE RELIGION of JESUS CHRIST DEFENDED from the ASSAULTS of OWENISM, in Nine Lectures delivered at the Greengate Unitarian Meeting House, Salford. By the Rev. .1. R. BEARD, Minister. The following are the heads of the different Lectures :- 1. The Authority of the Christian Scriptures Explained and Asserted. 2. Christianity distinguished from its corruptions. 3. Persecution not sanctioned but condemned by the Religion of Christ. 4. The Atheistical Tendencies of Owenism exposed. 5. Man's Character formed by and for him. 6. Man a responsible being. 7. Owenism destructive to the Existence, Virtues, and Hap piness of Home. 8. Claims of Jesus Christ to Love and Reverence. 9. 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A KEY to this New Edition is prep ar i ng 12m0., price 6s. Longman, Orme, and Co. ; Baldwin and Cradock ; J. G and F. Rivington ; J. Duncan • Hamilton and Co. ; Whit taker and Co. ; H a t c h ar d and Duncan; ; Simpitin, Alarshll. Co. ; J. Souter ; Houlston and Stoneman ; J. Wacty ; Wilson and Sons, York. WALKINGAME'S ARITHMETIC AND K EY. Modernized and Improved, price 2s. bound, 715th NITALKINGAME'S TUTOR'S SISTANT; Being a Complete Compendium of Arithmetic, and a Compl,t , Question Book. Containing the New Tables of Weights an Measures, with Rules and Examples for comparing the 1(-w Measures with the Old. To which is added, an App4 , nd.x Repeating amd Circulating Decimals, with their rtpiAica , By JOHN FRASER, Accountant, &c. Also, by the same, A KEY to WALKINGAME'S TUTOR'S Modernized and Improved, containin g Soluti, ns t Exercises, &c., I2mo. price 4s. bound. Longman, ' Orme, and Co. ; T. Cadell ; Baldwin and (71z. dock; J. G. and F. 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