The Sun. — London, England, 1847-10-26 00:00:00

PROMOTER LIFE ASSIJRANCET - 'AND ANNUITY COMPAITY, c.c, 7' tr` , ":!s' , .el !n Isl 9 DIRRS. Wm. Goodenough Hayter, Esq., Robert EC Paik, Esq. M.P. John Louis Prevost, Esq. Charles Johnston, Esq. Samuel Smith, Esq. John Towgood Kemble, Esq. Le Marchant Thomas, Esq. John G. Shaw Lefevre, F.R.S. John Deacon, Esq., Joh n G. Shaw TRUSTEES Lefevre, Esq., F.R.S., and Charles Johnston, Esq. This Society effects assurances in a great variety of forms, and on most advantageous terms, both on the bonus and non-bonus systems. In May, 1842, a bonus in ready money of 15 per cent. on the pre ?MMus received (equivalent to a reversionary addition of about 30 per C ent.), was declared on the beneficial policies ; and in May, 1847, a further bonus in ready money, averaging 20 per cent. on the premiums received (equivalent to a reversionary addition of about 40 per cent.), Was declared on the beneficial policies on which three annual pre rniams had been paid in December, 1846. P rospectuses, with tables of rates, and all farther particulars, may be obtained at the oftlce. _ . . MICHAEL SAWARD, Secretary, NATIONAL PROVIDENT INSTITUTION, for Mutual Life Assurance, Annuities, &c. 48, Gracechurch-street, London. Chairman—SAMUEL HAYHURST LUCAS, Esq. Deputy-Chairman—WlLLlAM CASII, Esq. DIRECTORS. Chas , • P ritchett Bousfleld, Esq. Robert Ingham, Esq. Bradbury, Esq. Charles Lushtngton, Esq., M.P. Was Castle, Esq. , John St. Barbe, Esq. m Miller Christy, Esq. Samuel Smith, Esq. 40 4 Felthana, Esq. William Tyler, Esq. YED/DAL OFFICER?. 3. D. Conquest, M.D., F.L.S. I Thomas Hodgkin, M.D. SOLICITORS —Messrs. Hardwick and Davirlson. CONSULTING ACTUARY —CharIes Ansel', Esq., F.R.S. , Members ar e rem i n ded that the PREMIUMS due on the I st lastaut must be PAID within 30 days from that date. At the close o f th e p res ent year the assets and liabilities will be inv estigated, when the surplus funds accrued since the last division 0 profits in 1842, will be equitably apportioned among the members, 4nd ' early in the ensuing year the bonuses due on each policy will be declared. espies of the last report, together with every other information, May be obtained on application at the office. JOSEPH MARSH, Secretary. October 20, 1847. NATIONAL LOAN FUND LI-FE ASSURANCE SOCIETY. 26, CORNHILL, LONDON. Capital .f.,500,000. Empowered by Act of Parliament. This Institution embraces important and substantial advantages tirth respect to life assurances and deferred annuities. The assured 11 " , on all occasions, the power to borrow, without expense or for feiture of the policy, two-thirds of the premiums paid (see Table); ,also the option of selecting benefits, and the conversion of his in terests to meet other conveniencies or necessity. Assurances for terms of years on the lowest possible rates. DIVISION OF PROFITS. The increasing prosperity of the Society has enabled the Directors !1 , - the annual meeting held on the 12th May, 1847, to declare a fifth D- mus. varying from 35 to 85 per cent, oz the premiums paid on each policy effected on the profit scale. EXAMPLES. 1 Perma- Sum the 4 • Annual Policy Bonus lial vent Re- I Assured Aga .Itaken addition Bonus in duction of may bor 'a . initial. out in Assured. Cash. Annaal row en CO Prenalims. Policy. X s. ' . d. r 1837 243 9 3 , 112 8 5 18 4 6 494 s 8 10 X Xs.d. 1838 218 4 8, 99 81015 13 8 445 0 0 60 1 000174 3 4 1839 1 92 110 86 9 3 13 4 9 395 11 1 I 1840 143 5106684 9 19 1 346 2 3 1841 138 14 21 61 17 6 9 9 2 296 13 4 1842 111 6 8' 49 10 0 710 4 247 4 5 The diurnal Report, with tables of rates, &c., office, or any of ith branches in the ceantry ; of b 3 finwarded post free. may be had at the on application, will F. FERGUSON CA: :Roux, Secretary. THE LIVERPOOL AND LONDON FIRE AND LIFE INSURANCE COMPANY. • 8, WATER-STREET, LIVERPOOL, 3. CHARLOTTE-ROW, MANSION-HOUSE, LONDON. Liability of the Proprietors unrestricted. Moderate Premiums in the Fire Department. Guaranteed Bonuses and other peculiar advantages in the Life De- Partment. Policies, insuring the value of Leasehold Property at the termina tion of the Lease, are also issued. SWINTON BOULT, Secretary to the Company. BENJ. HENDERSON, Resident Secretary. London. THE TEA ESTABLISHMENT, 8, LUDGATE-HILL, SIDNEY and COMPANY, Proprietors. r ~. The rapidly progressive increase in the consumption of Tea and Cu t ee is one of the pleasing features of the age. The people abstain leforo a considerable extent from the indulgence of intoxicating li .,_ f i • more especially from ardent spirits, have become thoughtful, the nation energetic and powerful. very interesting statistical accounts published by order of the i l l ar ° ll s e e or Commons at once show that both Tea and Coffee are com paratively of modern use in these kingdoms, and that only within the Theyeyr Years have they become the ordinary beverage of the people. „ .1 are no longer received as luxuries attainable by the wealthy, but ,F.,,_ by the wisdom of the Legislature in throwing open the markets of :,.!. tut, prices have been brought within the range of all classes A community. i ,..Tile Customs' duties on Coffee were ve considerably lowered in i i . celebrated Tariff Bill of Sir Robert Pectin 1842 ; and it is grati- Q 6 to know that the revenue has been benefited by such reduction, I,— fle consumption, from 28 million pounds in 1842, increased to vz.r.arcls of 36 million pounds in 1846. ,I . h .e duties levied upon Tea are enormous. In the past year this —l i'n alone yielded the sum of 5,110,897/. 15s. 9d. te the revenue. t o,'" .111 the prevailing opinion, that If Parliament on its assembling 4 . , :ud reduce the tea duties to one-half their present rate (and the th, et ...committee appcinted by the House of Commons recommend 4 'flopien of such a measure), the consumption would be so vastly 401:tented, as to fully yield an equivalent revenue to that hitherto 3 1 ,;11 . ,ed from this source, and by thus cheapening an article so ge ta,...,""Y esteemed . extend the comfort and social habits ofthe com •uuty. &.,I h _e system of our business has been uniform. We have ever been ~__- ` .ated by the principles of fair dealing, in meeting the altered eir iMatances of the markets as they arise. This course has been ap jiZated by a discerning public, and we gratefully acknowledge a -.. .g share of confidence and patronage. k i r Present year's importation of Tea is likely to be very large 118 ,, circumstance has had a marked effect upon the value of all ha n — t „.D„ . . l4oll B. wh, added t the derangement of the Mone Market, "" ,1 to depreciate prices below all former precedent. y RI - "a—The importation is an average one, the quality good, Re low inlll ' • 1i attention to the following quotations : Previously Present sold at price, per lb. per lb. the C hoie . BLACK TEAS, s. d. s. d. opi est Imperial Souchong .. ••..•••• • • " • • • • 6 8 5 4 The v 4 est Pekoe Souchong ...... ••.. • ........... 5 4 5 0 The Fine ll* . , _ • ' e Ein en ,-," 'Rlwang 50uch0ng................... 10 4 8 rei t , ongou wiry Blackish Leaf, Full Rich ee „ ucho .te stroTe Pin, , lig f1av0ur...... ~.......... ••.. 4 6 4 4 So .. fl flgow, Pekoe S ouc h ong kind.. •• • • ...... 4 2 4 0 ,: 4 tite G n' ood gCortgou, wiry Blackish Leaf .. •• ...... 3 10 3 8 ' t rong Con-on ........................ 3 6 3 4 Ihn pi ne. , ~. GREEN TEAS. , : ! l esll4 ) ,;',_*_unPowder full Powtizan f1av0ur...... 7 6 7 0 The Pit, gue Gunpowder, bright pearly leaf ......7 0 6 6 wile pl., .runpowder small close twisted 1eaf...... 6 6 6 0 11 " Cl uullowd ' 5 6 Th e Gond Tru er, rich burnt flavour .......... 6 0 The Fine ...................... 6 6 b 0 i•,,_ i n,„_' _ l:flPerlal (very choice) ............8 6 b 0 iz. Inn en Pnal delicate Hysonflavour. • ........ 5 0 4 6 The ve rse 0 „ ' 4 E 1 . 8 Hyson, or true Ouchain ........ 6 6 6 0 The very a.: 4l ain, close wiry leaf.... • • .......... 6 0 8 6 The Yo Young_ Hyson, Cowslip flavour ...... 5 4 5 0 T h _ Youn g I n i flavoured Young Hyson ••.. • •• ...... 5 0 4 8 The ehole e e Y s sit ••• • .. ............. ........ 4 4 4 0 II I : I tiDere ne . 7, 4lo HYson 6 0 Zhe v er y tine I I YlOll ""•••-•••••••• • • • • • • • • • • • • 5 4 5 6 4. ine n..__ be 42404-iron• fresh and full flfrvoured . ...... ... 8 4 6 46 l'ine a Y " 11 ' •• • .................. „ ....... 4 4 4 0 3" ' IC- hid •• • . 4 0 3 8 Fo r the ve ry F . COFFEES . ..•• ••••• ••••• Thorolohoke oi jui_eat Mountain Flavo•ared Jamaica . 2 0 1 10 "` mocha The Ir l i n n e es u L ba... . •• .. • . • 1 8 Th e •, Su perior a. c?,: a . Yra ......• ......... 1 8 1 6 T h 'fie Plant a ` 4 RiCa .. ••• • • *** *. : • .. ..... i 6 1 4 The Good Ceylon ti on e ,_ 1 2 ... Ceylon •. 1 4 1 0 G erber 1, 1647 SIDNEY and Company, • Tea Importers, .._ 8, Ludgate-hill, London. ]lFLt r jij;T ----------- " - ------- -- T ri . -,,, ut , Th • "AIN DLF,' & CAMPIIINE LAMPS_ rL e literal! l rgest as well as choicest assortment o A ----,lt'S so'„ 3 7 a the newest tend, and iuM and other CANDLESTICKS ; 'ne, Ar end Mai n ~i and Most recherché padterns in ormolu, Bohemi , an, R Velties (rat It ar : AM PS with all the latest improvements, eamhl and of Tovg rsor papier mache, in e xi t stance , is at WILLIAM S. BIT - a -----, PON and BOIITO.. , T'S), where all the seasonable no with ~._,_ now selling at from 20 to, 30 per cent. under any teelariza,,,,,e_imoninaqruktli4t3:, and style a e r d e . cvioniersildbe.raEtinons. Palmer's . patent tot „ va net ss. per gallon. The money retarn g e l d ish fo a r C e a v m er P y hi a n r e t ' ic i le Poet) rrPerred of. Detailed catalog ues with engravings sent (per N. OVEL TY in FRENCH CORNICES, from Ils. I. ARia t most varied and beautiful assortment of these elegant of r -,,,stli N O VELTIES, which threntten entirely to supersede all Ordi nary wsZve‘tacture, from I Is. ano' upwards, complete for any e/ttra) 1 1'0...„X and BrRT°OnNAL, ta,6 (if inlaid with velvet of any colour about 15s. each ~.._Dnetalled catalogues, with 3, at WILMA M S. BURTON'A (late RI - o e x n f u o r r a dtr g e; d , Li corner o as f N '.?gery articl, sent (per postj - free- ' oefwenvaeirly- s t i r r e o e n t : of WI L LIAM S. BURTON'S (late 3.II'PON and BURTON'S) Stock wef.,Peral Furnishing beelronmongry is literally the largest in the I._ q, and as no language can em oloyed to give a correct idea of ....7Zeriety and extent, purchasers are invited to call and inspectit. --........._ __ c.StabLished in Well- s t reet, 1820. trEBROWS, MOUS'FACHIOS, and WHIS treveIIICERS produced in a few weeks, and Baldness removed and ATA.b ed by the use of GRIAIS.TONE'S AROMATIC REGENE s au essential spirit, drawn from aromatic herbs and flowers, drops of which cure headache in a few minutes ; it is also a b 07,• 4 delightful, fragrant toilet erme. Sold only in triangular 7. 7 9 , protected by the G overnment stamp, at 45. ; double the size. and double this size, I Is. eadti ; enclosed in a Pamphlet, con• testimonials of undoubted a utbority, entitled " Three Minutes' u'▪ rlee on the Growth and Presel.-vation of the Human Hair, ikc." Post, 4s. 6d., 7s. Sid„ and 125., tz ar money orders only. _aold wholesale only at Grim! tone's l llerbary, Highgate, near `'ultdon ; and by Messrs. Barclay al id Son, Farringdon-street ; Sanger, lisf ord-street; Messrs. Butler and Co.,Cheapside • Fisher and Toiler, Z id uit-street ; Mr. Johnston, m, edicine warehouse, 68, Cemhill • I) .,_Y all Chemists, Perfamers, id others For Edinburgh, J. and Use r - "nes, Leith-walk ; r for Mattel 'tester, eresehe and Son, A.dver -cake. 7 1118 i h d TO THE . LADIES. had the fbllowing tette r inserted in the " Times" nws tPer on 4_ <tag 7, 1846. Reader, ret nember, this letter was put into „ e p aper ... by the lady herself, as a testimony to me. Mrs. Weekley, of No. 3. Swan street, Borough, takes this oppor tunity of publicly thanking Mr. W. Cirimstone, of the Herbary, High tate for the efficacy of his Aroma tic Regenerator, in having com pletely restored the hair on her beat 1, after using it about four months, and the whole of her hair Is much at Tenger and mere luxuriant than lever was before the baldness appet wed. . . " Mrs. Iffeekley inserts this testin cony to the virt ues o f Mr. G. ' s tQgenator, feeling assured that ma ny ladies would gladly purchase i s in from ex alt I Is, bottle if they were as certain of its virtues as Dcrlence, not only in the restoration and hairproduotionl e &See, but as a cure of nervous heads: the; as a toilet parttime itibsinrar lAYond any to her taste. She will fe el a p leasure in an swering any a 4 3, of respectability to the above fat t Swan-street,rurning grey, Be e r y o , u a gh" le w .' In cases of the hair becoming thin , weak, o dr ops on the crown of the head occasionally, every week, will pr e _ v ..ent the hair from coming away with ti is comb, make it stron g , and r r vent it turning grey, rendering the l lair luxuriant and curly. A ::, r _ d raPs on your hairbrush before bra Ming the hair, will give the brilliancy, causing it to curl. T he most delicate ladies may use , tit, 'a delightful product of the be st aromatic herbs and flowers with confidence ; its refreshing lkio ur removes headache and makes its most necessary companion o the toilet. In cases of nevous headache , peur ten or twelve drops u4 ae crown of the heal; if very bad, rep 'at it every quarter of an I n most cuss relief is certain in to n minutes. It produces children's heads in a fow appplicati ons. If used on infants' v; It has such a peculiar cooling iufluen* 011 the brain as to pre 11Z9Olsions, as well as promoting the growth of hair. — S ee of testimonials. I ttere addressed to Grirnston a rEetbary, High OW. II :renovator, MACA S . tor, insinuates SAß OlL, a ri its b • This mild, yet powerful and infallible s bl „atlantic properties into the pores of the he: vi, nou hex the Hair 14" embryo state, cleanses it from scurf and .da . ndriff, accelerates rgrowth, sustains it in maturity, and contin flea its possessioa of eith „, -Y vigour, silky softness, and luxurious re Lund:limy to the latest 4 , t t i ell of human life. Its operation in cases of baldness is peculiarly beQn ached so that in numerous instances wherein, other remedies have 4tb t ried in vain, ROWLANDS' 3IACASSARZ OIL has superseded :Moments of art, by reinstating in full plea itude the permanent reconi- natliand graces of nature. For Children, it is especially p Lett as forming the basis of a Beautiful Hes of Hair, and ren g the use of the fine comb unnecessary. he r i s f Invaluable properties have obtained the e ;pedal Patronage of eft a — J "tY the Queen, hi s Royal Highness Print e Albe ,rt the whole qor Family of Great Britain, and of ever 7 Court of the civil ; and the high esteem in which it is szliversaliv held, te em:Z.2ft numerous Testimonials constantly rec eived of its efficacy, I.` r ` i l e tp . ! best and surest proofs of its merits. 1,0 4. 6:%38. Gd. and 75.; or Family Bottles (equal to four small) at and double that size, 21s. ea% these the Wrapper of each Bottle of the Genuine Article ee '' Words, in TWO lines, kid 4041 Pa t en` att 20. riattou-garctsm, Loudch2; and by 811 Chemists I No. 17,189.] LONDON, TUESDAY EV SUN. OCTOBER 26, 1847. 7 TO COMMISSION TRAVELLERS, ANTED, v ONE or Ti4666liinusslON TRAVELLERS, who have to do with farmers in the south of England, to sell a valuable Chemical Manure, which has a very large run in the north. Address A. B. C. D., 55, King William-street, City, stating houses now travelling for. Security for 300/. will be required. AT a PUBLIC MEETING of the TRADES MEN and INHABITANTS of WESTMINSTER, held at the Crown and Anchor Tavern, Strand, on THURSDAY, Oct. 21, to take into consideration the late decision of the Judge of the West minster County Court, in the case of "Lord Bury v. Clark," Charles Lushington, - Esq., M.P., in the chair, it was unanimously resolved that a memorial be presented to the Lord Chancellor thereon, and that a subscription be entered into to reimburse Mr. Clark the da mages and expenses, and that Mr. B. D. Cumming, of 4, Regent street, be appointed Treasurer, who, with the following gentlemen, have consented to receive subscriptions:—Mr. Newton, 41, Brewer street ; Mr. Anton, 111, Jermyn-street ; Mr. Watson, 54, Hay market ; and Mr. Chew, 22, Carnaby-street. they had traced with the clearness of demonstrati to an artificial and legislative origin, were not suf fered by the negligence of the authority in whose hands the law had placed a paramount discretion, to urge their petitions and their remonstrances in vain until,supplication passed into discontent, and discontent deepened into a sedition, which set at nought the law it could neither amend nor obey. They will do more than this ; they will see that the chosen leader of a great party, who had been placed by the almost unanimous con• sent of his countrymen at the head of a popular Go vernment, did not, by a fatal and derogatory negli gence of the facts of a severe crisis, bring confusion and disruption into the ranks of his supporters, and again reduce the name of a Whig Government into the category of things which men regard with aver sion and distrust. Whether, therefore,:we view the event of yesterday in its relation to the exigencies of the present moment, or in its wider and probably more important bearings upon the ieneral temper and prospects of the country, we alike welcome it with our most cordial commendation. In point of form and detail it is perhaps not precisely what could be desired. There is here and there an incongruity of phrase, an attenuation of plan, and an impertinence of detail, which serve only to detract from the graceful ness of the concession and the efficiency of the inter ference. The final paragraph talks of doing nothing at variance with the integrity of the measure which has placed " the currency of this country upon a sound basis." Now it is by no means easy to perceive either the prudence or the common sense of an observation which is contradicted by the origin, tenour, and aim of the whole document in which it occurs. If the currency was upon a " sound basis," why have the Government been' compelled to inter fere? We . presume that nobody—not even a cur rency theorist--can entertain the extraordinary belief that a sound currency is identical with a system which cannot surmount an emergency without the assistance of the Privy Council. If the currency be "sound," the Prime Minister and the Chancellor of the Exchequer may certainly congratulate themselves on the invention of a new species of testimonial. If it be unsound, as the public voice and their own re luctant interference unite in declaring, where is the dignity or wisdom of encumbering a great public measure with a looseness of phraseology, to say the very least of it, both inconsistent and in no way ne cessary ? Then again, we are by no means clear that the proviso of exacting 8 per cent. from the public for the accommodation they may obtain is either wise or expedient. It would have been much better to have placed the whole power, together with the whole responsibility, in the hands of the Bank. If eight per cent. had been the fair value of the accom modation afforded, it would have been paid without the help and the odium of a Treasury warrant ; and we cannot help thinking that the Government have very needlessly exhibited an ungracious and a grasp ing disposition for the attainment of a purpose which was equally certain of fulfilment whether they inter meddled or not. We are quite certain, however, that the huckstering paragraph, which pounces with such desperate avidity upon the extra halfpence which the measure may obtain for the Bank by the extended discounts and the higher rate, would have been much better omitted. As a mere matter of morality and fair dealing between one man and another, her Ma jesty's Exchequer has no more right to the increased profit which may accrue to the Bank under the measure of yesterday, than it has to the extra small change which a soaking rain and a sudden thunder shower may impel into the pockets of the proprietors of long-stage omnibuses. The extra work deserves the extra pay. The Bank directors take all the risk, all the labour, and all the disagreeableness of the process, and Sir Charles Wood magnanimously walks away with the reward. The revenue may be in a bad way —we have no doubt that it is—but what then ? The necessities of the State cannot justify the practices of the extortioner. As to the general question of the real effect of the present interference upon the character and permanence of the Act of 1844, we presume that the almost universal conclusion of the common sense of the country does not require that we shall say much. The law has signally failed, and it is virtually suspended. It may be more polite to say that it is overtaken by an unforeseen and temporary combination of adverse circumstances over which it has no control. But vary the phrase as considerately as you please, the plain meaning of the terms cannot be altered : the machine has broken down—the scheme has met with a fatal exposure—the con trivance has come to a dead standstill and there the matter ends. It may be quite true that the formalities of the interment have yet to be performed, and the friends of the deceased will best serve the commendable purpose of throwing a decent and early obscurity over its many faults by making no obstreperous lamentations over its departure ; but it is abundantly certain that no pro fusion of casuistry and no diligence of special plead ing can call back the departed vitality. The plausi bility of the projectors, the pretensions of the proposers, and the short and troubled career of the contrivance itself, have all become matters of history, and have passed into that obscure and teeming chaos which swallows up with such relentless voracity all the deformed and ricketty projects of men who cry new lamps for old, and who themselves afflict their fellow creatures with great and prodgious pre tensions. The appropriate conclusion of the epitaph of a bad law is the celebration of the fame and services of its victorious opponent ; and under the guidance of this rule the con• eluding paragraph of our criticism would be freely open to the stigma of gross omission if it did not couple the name of Mr. Tooke with the sudden ex termination which has befallen the statute of 1844. To his clear, philosophical, and candid writings, more than to any other cause , is the co un try beholden for its speedy deliv erance rom the influence of a mis chievous piece of legislation, and for the establishment of a system which can boast, without overstepping the modesty of truth, that it inculcates a code of cur rency management, easy, simple, and abundantly free from the severe vicissitudes which the country will so long and so bitterly deplore. HERALD.—The first step has at last been taken, and, however slowly and reluctantly, the limits as signed by the Bank Act of 1844 have been overpassed. The fiat has been pronounced, after an assent, no doubt, had been wrung from the author of that-mete-- sure; and thus, after "strangulation" had nearly done its work, the victim is allowed to revive,—to draw breath,—and to commence, it may be, another struggle for existence. It is something to have ex torted this public confession, that the Act of 1843 will not work. It is something to have brought the Government to an admission, that " things could no longer be left to take their course." But we cannot applaud the character or tenour of the step taken in asmuch as it belongs to that class of expedients which we have already denounced as half-measures. We often hear the foreign exchanges adverted to, as furnishing the gauge and criterion of our commercial position. To our minds it appears that a British Minister might look much nearer home. We should be inclined to say that our Downing-street financiers ought to be conscious of the existence of danger whenever the Bank of England was unable to discount-first-rate commercial paper at five per cent. Hence it will be seen why we denominate the present measure of " relief" a half-measure. To dictate to the Bank of England, as fit terms to be offered to the commercial community, a regular charge of eight per cent. upon the h i g hest class of securities, seems to us almost a burlesque upon the term relief. When, in former of parties being reduced to th d e days, we have heard extremity of paying such a rate of interest to usurious bill discounters, we have always been accustomed t vic tims as doomed men — for whom theo regard r such London Gazette might speedily prepare its h columns. Hence we are unable, with such prejudices iangng about us, to hear the Prime Minister prescribe"eight per cent." as the term of discount for the whole commercial world, without fancying we listen to a general sen tence of bankruptcy passed upon British commerce. But let us look a little closer at the facts. How will the existing " pressure" be lightened Much as in the case of the victims of the Inquisition, towards whom, when, under the tortures of the rack, actual fainting had taken place, the screw was relaxed for . a few moments, and a slight restorative administered , but there was no release until further tortures and further " questions" had been tried. So, now, the Government, for its own sake, shrinks from the fearful responsibility of reducing the whole trading and manufacturing population of Great Britain to utter prostration ; but while it commands that the mischief shall be prevented from going this length, it adds, " Let the rate of interest be not less than eight per cent. !" The operation of this mis called " relief" will be of this kind :—lt may avert such a general convulsion as would endanger the peace of the country; but it will not even postpone 1 that state of depression and paralysis which is fast creeping over all branches of trade. Eight p 0? cent. being the minimum, even for advances on Exchequer bills, it follows inevitably that respectable commer cial paper will not be discounted by a banker under ten per cent. ; and even at that rate only with difficulty. That great mass of hills of exchange, the product of bond fide business between solvent traders, is still excluded, and rendered useless, for all money pur- 0 6 ' :4 4 4;7, - • 4 4i71! - //2 Z ' • .<;...V 4,,vic7 ‘ •- bil , +ti ' ti's?".l 6 .< • • • - 74 , •"' • - ee - . ___lllto I T ‘Sitk, [PRICE SD. poses. And the ten per cent., which must be the current rate of discount among bankers for com mercial bills, will never be paid but from the direst necessity. It will be the exception—not the rule. No business will ever be done on the footing of a ten per cent. discount, because there are no wholesale trades that can afford such a charge. " Suspension," therefore, must still he the order of the day while money commands such an exorbi tant price. It will be seen from these remarks that our advice would have been, that, if it was needful (which no one doubts) to interfere at all—it was most advisable to interfere effectually. A mandate requiring the Bank to make advances on stock at five per cent. would have entirely removed the existing state of alarm, peril, and suffering. If it replied, that this would have been unsafe—we ask, To whom would it have been unsafe? Not to the Bank itself; for there could be no danger in making advances on Stock and Exchequer-bills. Not to the bankers; for' they would, assuredly, have shown abundant caution in the aid they gave, and in the sort of paper they consented to discount. Where would have been the danger, then? Oh! in the unlimited issue of bank notes, and in the " departure from sound principles." But we have all that in the present measure! There is no limitation to two millions, or to three millions. Five banking-houses, that we could name,• might ap ply to the Bank for five millions to-morrow. And as to " sound principles,"—why we had them all set forth at full length in the Times of yesterday morning, and we had then, at noon, the Chancellor of the Ex chequer lighting his taper with these " sound prin ciples," in order to seal his missive to the Bank, de siring them to give " sound principles" to the winds I These are not days in which to be merry, or we might laugh at the poor Times. It fights obsti nately a losing battle. On Saturday it could only make out its case for 1847, by admitting, as we showed, that all its promises of 1845-6 (that foreigners would take our manufactures in paymen t for their corn) had been proved, in the event, to be utterly baseless and delusive. Yesterday it vainly strove to stop that concession on which Government had already been driven to resolve. Aware that an augmentation of Bank paper was urgently demanded, and was, in fact, then receiving the tardy assent of the Premier, it thus argued against this step : " Look now to the extraordinary remedy proposed —an advance on the national credit. We will sup pose it enough to give general and perceptible relief. We will also suppose that it is not immediately nul lified by a run for gold. How will it work ? In the first place, it will for the time neutralise the natural remedies. It will give a new and treacherous vitality to speculation of all kinds. It will lower the rates of discount, and raise the value of securities ; thus taking away the objects for which gold is now coming into the country. It will discourage that careful reserving of capital which, though sometimes carried too far, under the impression of panics, is yet an un doubted and most indispensable benefit to the coun try. But, after all, what will be the result ? Will any advance of the public credit, any issue of paper, really add to the actual resources of the country ? It will only prolong the reign of those errors under which we are suffering. It will only quicken specu lation, aggravate expenditure, multiply and confirm impossible engagements, complicate the railway question with fresh contracts, and thus bring us, at no long interval, to a still more terrible crisis, when it will be childish to propose again another 2,000,0001, simply because it will be tantamount to giving up the principle of a convertible currency altogether." Well, in three hours after this deprecation came forth, the step was taken, in spite of the Times and of Mr. Jones Loyd. The Government, in fact, dared not refuse it. The Times tells us, that the step taken will " bring us, at no long interval, (to a still more terrible crisis," ending in a surrender of the Peel currency altogether. We do not wish for " a still more terrible crisis ;" but if it is to end in the final destruction of the nostrums of the Tamworth cur rency-doctor, we care not how soon we encounter it ! Meanwhile, we give the Times joy of its task and its fate—to refute itself, one day, and to be refuted by facts, and Treasury decrees, the next ! POST.—At last her ajesty's Ministers have given way to the dictates of plain common sense, pressed upon them by the fearful necessity of the crisis. It is evident that even at this last hour they have done so with reluctance. The votaries of the Peel monetary policy have died hard. But the system is now dead. Let us see who will dare to revive it. The bankers of London who remonstrated against the restrictive law of 1844 were not listened to. The present Chancellor of the Exchequer, in his place in Parliament, actually sneered at their anticipations of possible pressure. The bankers of London were right. The Peel contriver of monetary restriction, and his adviser, Jones Loyd, were wrong. Lord J. Russell and Sir C. Wood, and the rest who con fided in the " self-regulating " powers of the Bill of 1844, were wrong. Let Ministers fence as they may with the circumstances, and die upon the question with the largest circumlocution, still the end is that they avow their error, and give way. We are no longer to be tied down to the tyrannical pedantry and nonsense of the Bill of 1844. We owe to that measure the dreadful monetary crisis, which we think will, in a great degree, pass away, now that reasonableness and common sense have been admitted to the councils of the Government. We owe also to that measure, that even now money is to cost 8 per cent. per annum. Surely the time will come when the people of Eng land will " visit for these things," and openly avow their contempt for the pretending politicians who have done such enormous mischief, and have so late come to the rescue. The two curses which the last Peel Government inflicted upon this country were restric tion of the monetary means of the country, and un restricted competition of foreign industry with home industry, under the name of free trade. To one of these branches of impolicy the first great blow has now been given, but we have but half gained what is due: to the British people, until the quackery of free trade is also abandoned as an impracticable folly.—The Jones Loyd oracle seems:to look with con siderable distaste and some irritation upon that partial relief to the money tightness which it yesterday an ticipated that Government would afford. This is not surprising, when it is recollected that to afford any such relief is to disregard that which the oracle has for some time given forth as the unquestionable wisdom applicable to the present crisis. We are told that such relief " would give a new and treacherous vitality to speculation of all kinds, that it will lower the rates of discount, and raise the value of securi ties, thus taking away the objects for which gold now coming into the country." Are we to is is under stand from this that " the objects for which gol d now coming into the country " are to keep hi h rates of discount and to lower the value of secu rities the it s ie n s o meaning at all. If that be its meaning , we think the has ? If that be not the meaning of the oracle, it observation is absurd. We do not see how the coming in of gold should produce such effects ; and if it did produce them the coming in of gold would be per nicious. But to clench the matter, the Jones Loyd oracle asks, with a triumphant air, " Vill any advance of the public credit, any issue of paper, really add to the actual resources of the country ?" Undoubtedly yes. The resources of the country consist not merely of the material elements of wealth, but of activity, enterprise, and perseverance, which are all put into action by the credit system. Without money of some kind to go on with, the resources of the country stand still. They are not wrought up into wealth. With abundance of money, well guarded against home depreciation, and incapable of being carried away as merchandise, the resources of Great Britain are incalculable. The Jones Loyd oracl,e groans at the idea of relief being given to those viho are suffering, not from want of property to meet 'their engagements, but from want of money. Such relief, says the Times, " will only prolong the reign of those errors under which we are suffering. It will only quicken speculation, aggravate expenditure, multiply and confirm impossible engagements, complicat e th e railwayl question with fresh contracts % stud thus more terribl e bring us, at no long interval, to a stilt crisis." The plain answer to "cl':is nonsense o f a vexed oracle, whose " thunder" ti as b een t reate d as mere brutumfulmen, is, that exfy irience distinctl y con tradicts such dismal propher w es. far We are ve r from saying that under a fr -trade syste m 'anysuch relief as the virtual repe r A of the law of 1844 can remedy for the m i sc hi e f give will be an effectuV l , B which since February, pos ation, but we k now t h at on stupid, self-sufficient 1 , • 1 4-,' has been eff ec t e d b y former occasions o ''.. _e monetary pressure relief was af forded by the B-,rik - ,.acting on its own discretion with the capital n-,„d er, edit at its disposal, and we see no reason f.,0 doubt that the abrogation of Peel's re -1 strictions and the. its disc enabling of th e B an k aga i n to use retion, will :relieve the monetary panic. Hla: t l : ll)l ga lt t T o i d S o E ! not just the thing t.—So the Government have at required, but stilt I is • principle for which. tending —the right; interpose on behalf , Imething. 'This " something" • is 1 that the exigencies of the juncture t important as recognising the we have been so strenuously con t and duty of the Government to (if the languishing commerce and expiring credit of the country. It would be impos sible to recognise , ill more explicit or more expressive terms than is d mite by Government, in their com munication to tb e ?i3ank of England, its duty to come forward with a riai lasure of relief in suchan ousel., have the effect of bringing about the desirable con summation—a balance of trade in our favour. No speculation of any kind is going on just now; stocks of British manufactured goods are exceedingly low. Business is everywhere conducted on the most cautious principle. Eve mercantile man has of late been contracting his liabilities, and the Franken stein of railway calls has all but vanished from the scene ; or, if still visible, he is not the monster he was. The commerce of the country will no longer look on railway calls in the terrible light in which it has hitherto regarded them. Distrust and depression are already on the wane. It is to be hoped they will soon disappear altogether, and that, after the dark and dreary night through which we have passed, a brighter and better day will dawn upon England. ~~~~ gency as the prslsa question. They acquiesce :in all that has ever ap peared in this urnal on the subject. "Her Majesty's Government," s Lord John Russell and Sir Charles signed,-_" her deepest Majesty's regret the Wood, by whom the letter to the Bank directors s ls een si w gn it e ihave Government e me w n h t ich has existed for some weeks upon the commercial in terests of thllle tr oun y, and that this pressure has been aggravated' by a want of that confidence which is necessary for carr • ying on the ordinary dealings of trade. They have been in hopes that the check given to transactions of a speculative character, the transfer of capital from other countries, the influx o f bullion, and the f ee li ng which a knowledge o f h circumstances might h ave b een expected o ese produce, would have rempved the prevailing distrust. They were encouraged in this expectation by the speedy cessation of a similar state of feeling in the month of April last. These hopes, however, have been disap pointed, and her Majesty's Government have come to the conclusion that the time has arrived when 'they ought to attempt, by some extraordinary and tempo rary measure, to restore confidence to the mercantile and manufacturing community." The measure which Ministers have adopted for relieving the existing pressure is at least sufficiently simple. There is nothing complicated about it. It is easy of compre hension. The Bank is to be allowed to make ad vances, irrespective of the amount of gold it its coffers, on the public securities, on Exchequer-bills, and on bills of exchange, not having more than ninety-five days to run. The period for which the advances are to be made is to be left to the discretion of the Bank directors—only the rate of interest is not to be less than eight per cent. Eight per cent. is so high a rate of interest, that it will, in a great measure, neutralise the benefit of which the measure would otherwise have been pro ductive. It is more than business generally can afford to pay out of the profits. It will, nevertheless, be welcomed by many a struggling house of the highest respectability. They will be content to pay more than a fair rate of interest for temporary ac commodation, in the hope of the speedy advent of a better state of things. The great peculiarity of the crisis has been, that houses of undoubted sol vency could not obtain the needed accommodation on any terms. The Bank was not in a condition to afford them the required aid, however unexcep tionable the securities, and however high the rate of interest they tendered for the accommodation. The necessary result has been that houses of un questioned solvency have fallen, one after the other, in rapid succession ; and had Ministers not inter posed, it is more than probable that, before Christ mas, we should hardly have had a house of any note which would not have been either hopelessly paralysed or entirely prostrate in the dust. The Ministerial measure will not fully meet the exigen cies of the case. Had the rate of interest been fixed at six per cent., it would have been productive of great and immediate benefit. It would have had the effect of restoring confidence, and by that means bringing out from their dark recesses enormous quan tities of money, which have been hoarding for the last four months, and which, we verily believe, must, by,this time, have accumulated to the extent of nearly 10,000,0001. The measure will have this effect in a modified degree, but it will fall far short of what a really liberal scheme of relief would have accom plished. It is to be regretted, for the sake of Mi nisters themselves, as well as for the sake of the country, that when they had made up their minds to do something for the relief of the monetary pressure, they did not resolve on bringing forward an effective measure. It has always been the misfortune of the Whigs, when in office, to prove themselves bad financiers. Here is another instance. It is a half and-half measure. It does not go to the root of the evil—it only deals with the indications of the disease which are visible on the surface. But, as we said before, it is something to have ob tained so distinct a recognition of the principle, that it is the right and duty of the Government to afford relief to the mercantile interest in times of such severe pressure as those through which the country is now passing. In the mere fact of their interposition, we have a confirmation of all we have ever said on this subject. We have all through maintained, that however resolutely Ministers might withstand for a time, the appeals made to them for monetary relief, they would not be able long to resist those appeals. We saw and said from the first, that they must succumb—that they mustyield to an inex orable necessity. We mentioned that Ministers were made of " squeezable " stuff, and that all that was wanting was a little further application of the mer cantile screw. Our predictions have been verified to the letter. We have have said that though the mea sure will not work the wonders which some had hoped to witness, yet that it will have a decidedly beneficial effect. It will work all the more advantageously, in consequence of a concurrence of favoura.ble circumstances. The exchanges are in our favour, and are likely to continue so for some time. Gold is beginning to pour in, not only from the con tinent, but from America. The importations of corn from abroad are well nigh at an end for at least six months, while large orders are on hand for British manufactures to be sent abroad. This must soon MONEY MARKET and CITY NEWS. Crcr, MONDAY EVENING. TIMES.—The suspension of the Bank Charter Bill, announced to-day, has praduced i 'a complete monetary revolution. Consols for money, which closed on Saturday at 80, opened this morning at 814 to From this they declined to 80i ; but a notification was then made by the Bank broker, that in confor mity with a correspondence held between the Bank and the government, advances would be made upon stock, Exchequer bills, and bills of exchange, at the • rate of 8 per cent., such advances to be for periods of not less than a fortnight or more than three weeks (according to present arrangements), and i n ls sums of not less than 2 ,0001. Upon this Conso l s jumped up to 814. A reeiction afterwards took at 8 opla l ce to 81i; but they recovered again, and clo sed to 82. After business hours a most extraordinary further movement took place, and they went to 821 to 81. For the:Accoutht they began at 82i; declined to BB w ent up to 83 , and closed at 8211 to ;, 3 t . Sub sequent T h at the Bank Charter Bill should h ave been transac ti o ns occurred at 83i. vir tually extinguished at the moment of its first severe trial can hardly be said to have been an unexpected event. That the step should have been announced this morning, however, is very generally a matter of astonishment. Had it been occasioned by a combined movement of its enemies during the pressure in the middle of last week, or had its doom been foretold for the very first night of the next session of Parlia ment, no one would have felt surprise. Those who most admired its principle saw too plainly the effects of its immutable action to look on with anything but apprehension when the question of its existence was to be decided by the voluntary acquiescence of those upon whom its stern lesson was to be enforced. In calm discussion, and amidst almost universal approval, the Bill was passed. It was to provide a restraint against national folly whenever it should rea c h th e a i r g i h. It was a d m i ra bl e lyt acquiesced in w h en ex' i extent of endangering national credit, but th ere was no pos,sibility of ensuring that this p rov i s i on, made broken. it occur when might, it was in o sr te ,:blr e n n e t ss m , s ig h h ou t l r d ea b e e h vo it lr li t e , to see the pledge taken, but it was also fore tell the probability of its But, let that event b e i ng brok easy to always supposed it would be d • at the subsidence of a • using the rush, a n d no t panic. On Friday, in London, everything indicated a On Saturday accounts greater feeling o f s t ea di ness. " perceptibl e i mpr ovement;" 'e from Liverpool of a _ ,from Manchest er it was reported, " everything here continues q ui e t, an d there is a more hopeful feeling beginning to prevail ;" while from America we had tidings of bullion on its way, to the extent of upwards of a quarter of a million. With Monday came reports of a meeting at Newcastle— one of — expressing unreserved confidence in the banks, coupled with accounts of persons bringing back their money, and being very properly refused permission to deposit it; while from St. Petersburgh, Amster dam, and all parts of the Continent, came tidings of even larger shipments of gold. than those which Lad been announced from America. At this moment a meeting in the metropolis, similar to that at New castle, would most probably have been the only thing needed to complete the restoration of c onfidence —at least, of that kind of confidence which renders the legitimate trader safe, while it leaves the speculatorrsised Complaining still powerless. But the bankers of London no word of response to the provinces. omplaining of the " want of confidence," they perfor med what they considered to be th eir duty to their country in answering the improved fee lin g b y a ter rified rush to Downing-street. That movement having been successful, the Go vernment has now fairly taken the crisis on its own shoulders. The consequences may easily be foreseen. A general belief that the worst is over ; a withhold ing of shipments, which would otherwise have been forced off at a sacrifice ; a rise in the price of cotton as well as of all other articles; a steady increase of imports a cQntinuanc* of railway works; and COMMERCIAL TRAVELLERS' SCHOOLS, FOR ORPHAN AND NECESSITOUS CHILDREN, WANSTEAD, NOTICE.—The next ELECTION of CHILDREN, applying for admission to this Institution, will take place at the London Tavern, on TUESDAY, the 23th day of December next. No applications on behalf of Candidates will be entertained by the Board, unless the Nomination and other Papers be received at the Offices, 51, Cheapside, on or before MONDAY, the 15th November next. The first Public Dinner of the Subscribers to the Institution and their Friends will be held on ➢IONDAY, the 27th December next. 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The above testimonial is a further proof of the efficacy of Blair's Gout and Rheumatic Pills, which afford speedy relief to those afflicted with gout, rheumatism, lumbago, sciatica, tic doloreux, pains in the head and face, and all analogous complaints. Sold by Thomas Prout, 229, Strand, London, and most respect able Medicine Vendors. Observe the name and address of " Thomas Prout, 229, Strand, London," in the Government Stamp. THE BEST REMEDY FOR INDIGESTION. NORTON'S CAMOMILE PILLS are confi dently recommended as a simple, but certain remedy, to all who suffer from Indigestion, Sick Headache, Billions and Liver Com plaints ; they act as powerful tonic and gentle aperient, imparting strength to the stomach, and composure to the nervous system. Sold in bottles at is. 14d., or 2s. 9d. and 11s. each, by A. Willoujiby and Co., late B. G. Hindus, 61, Bishopsgate Without, and nearly all Me dicine Venders. _ .....,....., . -........._. , Be sure to ask for /NORTON'S PILLS, and do not be persuaded tc purchase an imitation. DR. LA'MERT ON TILE SECRET INFIRMITIES OF YOUTH AND MATTRITY.-WITH 40 COLOURED ENGRATINGS ON STEEL. Just published, and may be had in French or English, in a Sealed Envelope, 2s. Gd„ or post-free, from the Author, far forty-two Stamps, SELF-PRESERVATION; a Medical Treatise on the Physiology of Marriage, Infelicitous and Unproductive Unions, and the Secret Infirmities and Disorders of Youth and Ma turity, usually acquired at an early period of life, which enervate the physical and mental powers, diminish and enfeeble the natural feelings, and exhaust the vital energies of Manhood ; with Practice. Observations on the Treatment of Nervous Debility and Indigestion, whether arising from these causes, close study, or the influence of tropical climates: Local and Constitutional Weakness, Syphilis, Stricture, and all Diseases and Derangements resulting from Indis cretion. With Forty coloured Engravings, illustrating the Anatomy, Physiology, and Diseases of the Reproductive Organs, explaining their structures, uses, and functions, and the various injuries that are produced in them by solitary habits, excesses, and infection. BY SAMUEL LA'MERT, M.D.. 9, BEDFORD -STREET, BEDFORD•SQUARE, LONDON, Doctor of Medicine, Matriculated Member of the University of Edin burgh, Licentiate of Apothecaries' Hall, London, Honorary Member of the London Hospital Medical Society, &c. Marriage requires the fulfilment of several conditions, in order that it may be really the cause of mutual happiness. Could the veil, which covers the origin of domestic wretchedness, be raised, and its true source in every instance disclosed, in how many could it be traced te physical disqualifications and their attendant disap pointments. Excesses are always injurious ; the gift, which when used in moderation ie fraught with advantage, isecomes, when abused, the prolific source of mischief. and of greater or less injury to the constitutional and vital powers. The particular excesses, on the nature and consequence of which this Treatise professes to dilate, are productive of greater severity of misery to the human frame, than any other t• which it is subject. This work contains an accurate and complete account •f the Anatomy and Physiology of the Reproductive Organs, and of their relative conditions in health and disease. It deservedly requires the closest attention and study, for what subject can be of mere importance than the preservation of the health, and of the physical capabilities of which every man should be possessed. It unfortunately happens that the unhappy victim of excessive Indulgence and vicious habits, whether acquired in early life or from the follies of advanced age, while suffering from their invariable consequences, unwisely entertains a fear of ap plying to a qualified physician for relief. Shame and the dread so freqaently, but erroneously entertained that these complaints are beyond the reach of art, alike restrict him and prevent his seeking for assistance where alone it can be procured. In acting thus, he forgets that accurate discrimination in ascertaining the causes of disease, sympathy with the sufferer, and, above all, secrecy, inva riably characterise the intelligent and practical physician, and to the medical man who can show by his posse-lion of the requisite legal qualifications that he is entitled to esteem and respect in his profes sional pursuits, the utmost confidence should be extended. Dr. LA'MERT has obtained the highest medical honours, as his diplomas testify, and the great extent of his practice for many years is a guarantee for his professional experience, which has reference almost solely to the treatment of these diseases. Published by the Author, and may be had of Kent and Richards, i 2, Paternoster-row; Hannay, 63, Oxford-street; Starie, Tichborne street, Haymarket ; Mansell, 115, Fleet-street ; Gordon, 146, Leadenhall-street, London; or, free by post for forty-two stamps, from the Author, who may be consulted on these disorders personally or by letter, daily, from Ten till Two, and from Five till Right, at his esidence, 9, Bedford -street, Bedford-square, London. A A (..r E. 31 One half the world are desolately single, and the other supposing them married, questionably contented. Diffidence, or a sense of right determine the former, and miscalculated hopes em hitter the latter. Tho solitary one may shield himself under the plea of caution and worldly prudence, and the indissoluble, regret un comprosing hurry ; but the truth lies deeper. Physical Incapacity, and broken health, are the great hindrances to domestic happiness and social content. The dowry should not be the only marriage set tlement. Honour and justicederoand that health should form an item In the compact; it alone dignifies the alliance. Blighted hopes or neglect wound more sorely than poverty or misfortune. Reader, if these surmises concern you, procure Dr. CULVERWELL'S little MEMOIRS 'On Single and Married Life, " pub. in 2 vols., Is. each (by cost, in stamps, Is. 6d. each). Let no imaginatively refined, ar prudish feeling deter you, by their titles, nor be hindered by misinterpretation of their supposed contents, front obtaining them. They are not intended certainly for mere idle curiosity, but for the closet perusal of those more deeply interested, to whom they are offered as antagonistic to the empyrical trash put forth on the above subjects, by unqualified authors, which alone `or together, are a disgrace to the age. Furthermore, two other little publications claim your attention (same price Is. each, by post Is. 6d.) called " What to Eat, Drink, and Avoid," and " How to be Happy." They are not merely pamphlets, but equal in quantity a library volume, nor are they the mere ephemeral scribblings of the hour, but the study of the author's life, who owes his present existence, health, and position to this ob servance of the maxims he would inculcate—to do unto others as he would be done unto—to live atter nature's laws—and to keep always on the " sonny side of the way." The above works may be bad of Sherwood, 23, Paternoster-row; Carvalho, 147, Fleet-street ; Mann, 39, Cornltill ; Nalson, 457, West Strand ; or direct (by post or other wise) item the author (who may be conferred with personally, mornings and c.vonings), 10, Argyll-plaee Regent-street ; and all booksellers. Illustrated by 26 Q V A tom e ical Coloured Engravings ou Steel. ON PHYSICAL DIS I mp L E I D ATIONS, GENERATIVE INCAPA CITY,pIa3gfeE.N. I n S st T p O ub M us A n l e t d ß , l p A r G in E e by post, direct from the E t AND infection,and decay lishmeit, 3s. 6d. in postage stamps, ' . 2s. 6d. or New Edition, enlarged t'c, 196 :hiendinni S l END, a Medical Work on T" indulgence, Fsiti ex cessive y of the generative system with remarks on Marriage , and the inordinate system, from ex use of mercur and th qualification,. Illustrateda means of obviating certain Y' L. PERRY and CO., 19, by l 26 Coleared Engravings . Byit. d and - Published by the Authors : sold by Oxford-street, London. ?Janney, 63, and Sanger, 150, Oxfo rd -street ; Starie, 23, Titehborne- PART I. treats of the anatomy' 2d6, Leadenhall-street. organs, and is illustrated by Six Colouredlphysiology of the re-productive PART 11. treats of the consequences Engravings. indul gence, and their lamentable effects ea tlluleting from excessive and bodily weakness, nervous excitement, andysern, producing mate It is illustrate d b y Three Explanatory Engravin g s incapacity. P A RT 111. Treats of the diseases resultin g from infection, nfeetioeither in directions for the primary or sec ondar y form, and contains ex p lici t t h e i r treatment. Th e consequences of early neglect and o f mercury, are a lso clearly pointed out. This section is of the abuse illustrated by Seventeen Coloured Engravings. PART IV. Treats of ferry's Preventative Lotion, by the use of which the dangers of infection are obviated. It combines with the v i ru s chemically, and destroys its power on the system. PART'(. Is devoted to the consideration of marriage, and its duties, The causes of unproductive union, are also considered, and the whole subject critically and philosophically inquired into. VIE CORDIAL BALM OP SYRIACVM is 'ex n clusively e lls. mplandoyed in treatper - ing nervous and sexual debility, impotece, Ike., 335. bottle. The Concentrated Detersive Essence, an anti-syphilitic remedy, for purifying the blood in cases of infection, secondary symp toms, eruptions, and the abuse of mercury, lis. and 335. per bottle. Perry's Purifying Speciflo Pills, 2s. del., 4s. and 1 ls. per box, a certain remedy in golorrhnia, gleet. strictures, and Omni* infl ation mma tion of the bladder. Ferry's Preventative Lotio n, an applicato obviate the danger of infecticn, 335. a bottle. ConSultatioia fee, if by letter, 1/. 5/. Packets with advice tuba had at the Establishment only, by which the fee, 1/., is saved. Attendance daily at 19, !tu ners-street, from Eleven till Two, and Five te Plight ;On Siodays Von Moen 1* Om ROYAL POLYTECHNIC INSTITUTION. The Last Week of the LECTURES on CHARACTER, with Musical Illustrations, by Mr. J. RUSSELL, each Evening, at Eight o'clock, except Monday and Saturday. A LECTURE ox the PHYSICAL PROPERTIES of a JET of STEAM, in reference to VENTILATION, &c., with Novel and Interesting Experimeu3, by Dr. BACHHOFFNER, daily at Half-past Three. CHEMICAL LECTURES. The ELECTRIC TELEGRAPHS worked. The WORKING MODELS, explained daily. The beautiful OPTICAL EFFECTS include an entirely New Series of DISSOLVING VIEWS. DIVING BELL and DIVER, with 111 DE'S NEW APPARATUS for CONVERSING with PERSONS under WATER, &c. &c. Admission. Is.; Schools, Half-price. GRAVESEND via BLACKWALL RAIL , WAY, and STAR and BLACKWALL PACKETS. REDUCED FARES Railway and Boat included in one Payment. No other Packets call at the Grays or Greenhithe Piers. From The Terrace Pier, Gravesend, at 7%, 8%, 9%, 11%, 1,3, 4, and 5. Sundays, at 7%, 8%, 11%, 1,3, 4, and 5. From the Brunswick Wharf, Blackwall, at 9, 10, 11, 12, 1)4, 3%, 5 and 5%. Sundays, at 9, 10, 11, 1%, 3%, 5, and 5%. The TRAINS starting one quarter of an hour before each of these times. Fore Cabin and Second Class Railway, SIXPENCE ; Saloon and First Class ditto, EIGHTPENCE. BOAT TICKETS.—TweIve Months, 41.45. ; Six Months, 21. lbs. ; Three Months, ii. 155.; to be had of the Collectors on board the packets ; Mr. Monk, Terrace Pier, Gravesend ; or of Mr. Saunders, Brunswick Wharf, Blackwall. October 19, 1847. TO TIMBER MERCHANTS, BUILDERS, CARPENTERS, &c. FOR SALE BY AUCTION, on the premises, New Crane Wharf, Shadwell, by order of the Executors, all the extensive and wall-seasoned STOCK IN TRADE of the late Mr. CHRISTOPHER WINN, Timber Merchant, consisting of Dry Yellow Pine Planks and Deals, White Spruce Deals and Battens, White and Yellow Baltic Deals and Battens, Pine and Spruce Boards, and cut stuff in various thicknesses, Fir Timber, Scantlings, Quarterings, &c., &c. Also the LEASE of the abovementioned premises, held for the unexpired term of three years, rom the 31st of December next, at the yearly rental of Sixty Pounds; The whole of which will b e sold rithout reserve by H. FREE MAN, on WEDNESDAY, the 27th October, 1847, at Eleven o'clock precisely. To be viewed two days previous to and on the morning of sale. Catalogues can be obtained en the :premises, and of Henry Free man, 38, Michael's-alley, Cornhill. OSEPH MAPPIN'S PORCELAIN HANDLE TABLE KNIFE ; Registered June 5, 1847, No. 43,501; is the most useful and chaste article ever produced, combining ele gance, economy, and durability. It far surpasses ivory in its splen did appearance, and is 50 per cent. cheaper. It is particularly re commended for its purity and sweetness a little soap and water restores its first splendid appearance. It will not break with falling, neither will it be the least affected by time or service. All these ad vantages combined in this article, which together with the low price at winch the article is produced, form a tout-ensemble never before attained. Sold retail by all ironmongers, cutlers, and jewellers, in the United Kingdom anti the Colonies. Manufactured only by JOSEPH MA PPIN, 32, Norfolk-street, Sheffie:d, where they can be obtained wholesale; also at his warehouse, 15, Fore-street, City. N.B.—To Merchants, Shippers, and Buyers, generally, J. M. offers considerable advantages, in keeping a largo Stock of Cutlery at his London Warehouse from his Manufactory in Sheffield, which is suitable for every description of Wholesale and Export Trade, an ad vantage possessed by no ether Sheffield House. PUBLICATIONS. On the Ist of November, price 2s. Gd. roan, gilt edges, PuNctrs POCKET-BOOK FOR 1848, In addition to all the requisite BUSINESS INFORMATION, will contain numerous Comic Articles, in prose and verse, with a Coloured Frontispiece and Six Steel Etchings, by JOHN LEECLI, together with Seven Woodcuts, by RICHARD DOYLE. London: Published at the Punch Office, 85, Fleet•street. NEW WORK BY BOZ. On the 31st inst. will be published, price Is., the Fourteenth Num- ber Of DEALINGS WITH THE FIRM OF DOM BET AND SON, Wholesale, Retail, and for Exportation. By CHARLES DICKENS. With Illustrations by HABLOT K. BROWNE. London: Bradbury and Evans, 11, Bouverie•street, Fleet-street. MR. JAMES'S NEW NOVEL. Now ready, at all the Libraries, Tli G. EONVICT. A Tale. By P.R.R. JAMES, Esq. 3 vols. post 8 vo. Price 11. I Is. Gd. London : Smith, Elder, and Co., 65, Cornhill. Just published, A .IST E EYR E. An Autobiography. Edited by CURRER BELL. 3 vols. post Bvo. Price 11. 11s. ed. The most extraordinary production that has Issued from the press for years."—Weekly Chronicle. " One of the most powerful domestic romances which have been published for many years. It is a book to make the heart beat, and the eyes fill with tears."—Atlas. London : Smith, Elder, and Co., 65, Cornhill. Just published, price One Penny, a small Pamphlet, entitled - . . RICE, as a Cheap and Wholesome Food for all Classes, and especially as a SUBSTITUTE for POTATOES. B} a FAMILY MAN. London : Sherwood and Co. Liverpool : Smith, Rogerson and Co., Mercury-office. Manchester : G. Bentham ; A. Heywood. Leeds Baines and Co. ; Mrs. Mann. Birmingham : Taylor and C• ; W. Cooper. Preston : Chronicle-office ; Pilot-office ; J. Walker. Black burn ; T. Woods ; and J. Mitchell. And all Booksellers. A single copy may be had, free by post, on inclosing two penny stamps (post tree), to any of the Publishers. THE MONETARY CRISIS. The following letter has been addressed to the editor of the Morning Chronicle : Sir,—The crisis is over. Lord John Russell has " stood between the Idead and the living, and the plague is stayed." The country will not soon forget his determination, and he will reap a rich reward in the general confidence which will be awarded to him. Henceforth we shall no longer present to surrounding nations the monstrous spectacle of a community richer beyond comparison than any other in the habit able world—advanced in the same proportion in arts, sciences, manufactures, and commerce, launching without reserve into free trade, and at the same time restricting its monetary operations by a law worthy of the middle ages. No longer can we be taunted with the absurdity of falling down upon our knees to render thanks to Heaven for an abundant harvest, and at the same time frustrating, as far as in us lies, the beneficent designs of Providence— ,, Ar ag „ as inter opes mops. " The Ministerial plan is perhaps the best, which, under all circumstances, could have been devised to meet the present evil. It is at once liberal and safe. The destruction of the principle of the Bill is complete, and the high rate of interest which the Bank of England must charge for extra accommodation secures the country against any drain of gold for external purposes. In the midst, however, of general rejoicings, it is impossible to abstain from asking the humiliating question—For what purpose has the country been brought to the verge of ruin and exposed to such dire suffering ? Was tl . lere . no one foreseeing,ll, and, th whois wasouleideopaegraaitniosnt it. Alas tAhliassßl Sir, all cala mity was earnestly sought for, not by any novice fr c e of s ou e r e led n s , epe a r n ot d hv a provision against the in the art of banking, but by the whole body of London bankers, with one solitary important ex ception. The memorial to Sir Robert Peel foretelling the contingency, and asking for a safety valve, at one time included among its signatures the eminent firm of Messrs. Jones Lloyd and Co.; but Mr. Samuel Jones Lloyd having written a pamphlet, which served in a great measure as the foundation of the Bill, induced his father to withdraw the sig nature of their firm, and it is to be feared that the weight which was then attached to his opinion led Sir Robert Peel to disregard the collective opinion of the whole body of bankers. Was this wise—was it seemly ? However, we have seen the result. The measure has been exposed to the experimentum crucis. It has broken down, and the relief granted is far more ample than was humbly but earnestly sought for by the bankers in 1844. It is to be hoped that the les sons of experience will not now be lost upon us—that in the construction of the new Bill which must super sede the condemned Act of 1844, some consideration will be given to the opinions of men whose whole life time has been spent in the pursuit of legitimate banking. _ _ Thisremarlcis applicable no less to the nature of the measure which the Government may bring for ward for the regulation of the currency, than to the constitution of the executive of the Bank of England itself. Let the public bear this in mind—that whereas in France three fourths of the board of directors of the National Bank are themselves able and experienced bankers. The Bank of England admits no private bankers into their board ; vacancies are filled up by the nominees of the existing board, who no doubt value highly this patronage. But would not the confidence of the public in the administration of the law which reposes such power in their hands, be much increased if a portion at least of the board con sisted of men who had previously distinguished themselves in the management of their own banking business, and who had won the respect of their fellow citizens by a long career of usefulness? Is it pro bable that under such an administration we should have witnessed such vacillating conduct as has cha racterised the proceedings of the Bank of England during the last few years—at one time encouraging speculation by forcing out their notes at a very low price, and then suddenly pulling up, and spreading panic throughout the country ? These are serious questions for the consideration of thinking men, and are respectfully submitted to you, for further elucidation, by Your obedient servant, A LONDON BANKER. London, Oct. 25. We understand that, owing to temporary pressure, the firm of Charles Sutherland and Co., produce brokers, have been compelled to suspend payment. Strong efforts, it is said, however, will be made to re sume, and it is considered not improbable that these may prove successful, cloth. SPIRIT of the PUBLIC JOURNALS. SUSPENSION OF THE BANK CHARTER BILL. FROM THE MORNING PAPERS OF THIS DAY. TIMES.—It is with no little embarrassment that we approach the great act of Ministerial responsibility which we announced yesterday afternoon. We are bound to make every allowance for the peculiar diffi culties and anxieties of those who are placed at the helm, and also to take into account their peculiar opportunities of information. The man who has to stand in the gap and be the foremost and most osten sible champion of a principle in its worst hour of trial, has no easy post, and, if he gives way, demands rather compassion than reproof. We can only judge, how ever, by what we see and know. Though we should believe that Ministers found it morally im possible to stand against the manifold appeals to their pity or their terror, yet that is no reason why we should give up our own deliberate opinions. We also are exposed to a storm of remonstrances. They do not shake our resolution, however much they may interfere with our comfort. We do not give way. Should it be answered that a journalist can easily afford t o b e o b st i nate, we b eg to reply that journalists and Ch ance ll ors o f t h e Exchequer are amenable to one and th e same l aw —the law of re sults. Very few m on th s w ill prono unce the ap proval or the condemnation of the present Ministerial course. Should the verdict of time be against us, we shall not be permitted to forget our mistaken and ill-timed dissent. We have plenty of neighbours who will only be too happy to recal that fact to our own and the public recollection. The Ministerial measure is a remedy for a temporary panic, not for a real, a permanent, and an increasing pressure. If this be little more than a panic, if confidence is all that is wanted, if hoarding is to be discouraged, employ ment set free, and enterprise invited; if also these objects were not attainable in any other pay, then, undoubtedly, Government has done the right thing. This supposition has, however, but slender founda tion. It rests only on a hopeful and too confiding temperament. There is a panic, it is true, and just now a very wild and ridiculous panic, driving men to foolish and cowardly proceedings. But there is also an actual pressure—a pressure which has been gradually increasing for more than a twelvemonth, which, under existing circumstances, is likely to in crease, and which may very possibly soon be aggra vated to any conceivable degree by events quite within the scope of possibility, not to say more. The fact of the pressure thus far is a matter of history, and cannot be denied. The question is—Will it because the last ? c a a u n s d e s h° are w still long ? in o l pe re rat a i n on sw . er f - t y is e a s l ; most for bidden to speak of railways, potatoes, and cotton, to ears polite. We mention them not for the sake of the past, but just to remind the people of two impor tant facts—first, that through the vast increase of our imports and diminution of our exports, we are at this moment rather deep in the books of the foreigner; secondly, that imports are likely to continue very great, and exports are certain to remain very low. This condition of affairs can only lead to one possible result, —the same as that which would infallibly happen to the journeyman who should go on importing into his tenement meat, drink, and clothing, to the value of thirty shillings a week, all the time only exporting work to no greater amount than twenty-five shillings. His capital, if he had any, would stiffer a continual drain. Such is the drain now before us. A refer ence to the past—the merest glance of retrospection— is sufficient to show that Government has not hitherto sufficiently realised the grave and growing character of this pressure. They refer to last April. The panic of last April subsided; but the pressure did not. That Ministers fully thought their difficulties over may be presumed from the circumstance that before the end of that month they brought for ward again the proposition of lending 620,0001. to certain Irish railways. The subsequent six months have not justified the wisdom of that security. It is due to ourselves to observe, that when the First Lord of the Treasury and the Chancellor of the Ex chequer think fit to say, in their note to the autho rities of the Bank, that they were encouraged to expect the prevailing distrust would subside, "by the speedy cessation of a similar state of feeling in the month of April last," we have not the honour to be included in that statement. If they will do us 'IC favour to rc.firl enm. the favour to read some remarks that appeared in this place on the 28th of April, they will find our distrust had in no wise abated ; but that, on the contrary, we felt less confidence than ever, in consequence of the Irish railway loan ; and were emboldened to pre dict circumstantially, and to the very letter, the pre sent most melancholy condition of affairs. The mea sure destined, we cannot but fear, to give to October 25, 1847, rather a disastrous prominence in the chronicles of trade, will allay the panic and increase the pressure. It will give a new start to all the causes which have lately so much augrnen and hampered reproduction t e ill d e `Veenx p d d i o i ure , not,b u t t b c e h r e e c fo k r e e d , t a u n a ti l e ly ip s a u te rre a n n d v er i e m d m . immediate future that we fear. The Banku effe c c t h s a . r t e I i s Charter A ct for a v t i h r e perhaps,future arforward a b s e a suppl ied great b m y o money-l. e r l p o s o e v s e r o n f in that t n Actow comes may, proposesbut to a .. e r eGn a d r e r r a . n g I e m t ent s ; new principle is introd uc te e e o d p th . bolster up the credit of the country by increasing the circulation. That is an impossible attempt. When. ever the new principle shall come into actual ope graotlido,n,buitt will be a fo t u i n ta d w th Ail a l quan tity weeks, o f pape reven thattffeorced an additional f u ew se. months v ma a r elmapasye,pabseeforae few e new principle is put to the proof. When it is, it will be seen whether we can diminish the gold in the Bank with ou t inducing a panic, a run for gold, and other disasters f a r more more serious than those which of it was the object the measure to obviate. Except so far as the measure certainly does an pear in its tendency a fatal blow to "Peel's Bill," we are bound t o say that y iat it is guarded with about as good securiti es as aGovernment wishing to inspire confidence could possibly require. For the present the minimum of S per the loan of foreign cent. is not likely to interrupt gold. The Continental tor the influx of foreign capitalists will still have scope for a harvest. The appropriation suggested for the extra profit derived f likely to provoke any unrom this measure is one not in 'Threadneedle -street. T wonted display of liberality he discount is claimed for the public chest, w h ere • it will possibly be wanted before long to pay a premium for gold. Government also the measure -in hand, intends to keep breakers ahead. The ad stop when it sees difficulty, n however, is w hen to stop. There will be temptation on all sides to go on. The experience of this as well as other cou ntries assures us that b there are times when a large profit may be made means of capital bor rowed at B or 9 per cent. T he borrower can well afford to purchase produce depreciated 20 or 30 per cent. below its average price even at this rate. In share th e present state of themarket, when the shares of good lin es sell at little more than half their productive value, and when ninety-five days may see a great chang e for the b etter, i . p will answer to purchase them e ven with mone y borrowed for "J. It is Russell" and " C. W ood." possible, therefore, that the facilities now offered may soon be sought, and the measure com e into actual operation. Should that be the case, the G overnment wil l find itself in a new dilemma. It will again have to l e ect for itself, on its own responsibility, whether to go on expand ing, or trying to expand the credit and of paper of the country, or to impose b y the stroke a pen that check which it did not retain in the regular operation of the Bill. CIIRONICLE.—We feel that we may safely con gratulate both the Ministry and the country on the events of yesterday. An act of prompt and • vigorous statesmanship has rescue d the one f rom the which inevitably overtakes the feeble, the fa' misguided, and the pusillanimous; and the abrogati o n dangerous and irritating law has conferr ed up o n of a the other a welcome and necessa r y interv a l o f rest, a period of excitementaand collision which after will for ever render the closing months of the present and year a melancholy page in the hi stor y of our c ountry our commerce. At presen t we chiefl y se e and feel the immediate blessings of the relief in i ts reviving influence over a prostrate cred it and a stagnantindus try. We behold the return o f a tin g e o f che erfulness over a landscape from whic h we have seen withr much solicitude the departur e, da y b y da y , of first one e ray of sunshine and then another, until the advent of an utter darkness appeared to be close at hand. eur marts and our exchanges are again instinct with a hopeful activity, and under the impulse of a pardonable alacrity we are in haste to conclude that a measure, of which the benificence is so soon and so plainly apparent, may well content itself with the testimonials which the happy transitions of the present moment so profusely furnish of its wisdom and its efficacy. We suspect that, to the students of a future and less deeply interested g eneration, the instant and salutary relief, g reat thou g h it be, will become_ by far the most secondar y consideration. They will not fail to perceive that the timely inter vention of the royal prerogative at a critical juncture was the means of averting a severe trial and a great scand a l from the institutions of the country ' • that a people smarting under an accumulationof evils, which by the most persevering and ti pa ent argument