The Sun. — London, England, 1847-05-13 00:00:00

I NATIONAL LOAN FUND AND LIFE , NSSITRANCE SOCIETY. day, snur,..y , out: u at t:le B ishopsgate-street. T. Laurie Murray, Esq., in the chair. The CHAIRMAN called upon the Secretary to corn- Mence the proceedings by reading the advertisement convening the meeting. Mr. P. FERGUSON Calmoux, the Secretary, read the advertisement, which stated that the Meeting was an annual one, and that it would be necessary for the proprietors to elect three Directors in lieu of John Elliotson, M.D., F.R.S., Clement Tabor, Esq., Joseph Thompson, Esq., whose period of office had expired, but who being eligible to be re ' el ected, offered themselves accordingly ; and for the eenfirmation of the election by the Court of Directors, of John Frith, Esq.; also for the election of two Auci lters, in place of Professor Wheatstone, F.R.S., and Pr ofessor Graves, A.M., F.R.S., whose period of °Mee had also expired, but who, being eligible to be re-elected, offered themselves accordingly. The CHAIRMAN then called upon the Secretary to read the report which was as follows, and which was listened to with great attention by the meeting : " EIGHTH ANNUAL REPORT. ' I "le annual genera l mee ti ng o f th e soc i e ty again affords the directors the pleasure of meeting the pro- Prietors, being the eighth time since its institution. " The past year, owing to a variety of concurrent Itltius, tendin g t o d e p ress th e great stap l es o f our na rlnal industry, to augment the ordinary expenses of ~,74 e nce, and the p ecun i a ry diffi cu lt ies re sulting there- W e n ; has been one o f se v ere su ff er i ng , and but little ..,,°arable to the progress of life assurance, added to partly owing to these causes, and the unusual "'verity of the seasons, the rate of mortality has been greater than in the same given period for many years. y e eu l a ir anything was required . to . test the solidity of cal based°os on which the principle of life assurance is as well as the advantages of the system itself, it would be found in the ordeal through which this branch ,„ t he Public economy has passed during the last twelve ..oe t h s. t lit is evident this impression is more than ever v .„ng de e p root amongst the general community. Pr!- ,„° '",,l'ett and suffering have indisputably existed, yet it l ab d ,tkpPear that fewer policies have been allowed to vran in any preceding period, however prosperous, 1 ,„ l e o the b enef i ts o f lif e assurance were l ess un d ers t oo d — ", a PPreciated. b ee " he progress of the National Loan Fund has not aPparently affected by these adverse causes. %oi l° one year sinc e its first institution has the eoth el made suc h d ec id e d an d so lid advances. Its n toy.., , 8 'as, within two years, doubled; and it is satisf iac to believ e this increase has been owing, in a great ; it i s itau N to the appreciation of the principles on which petrestablished, which seem to meet encouragement and Tiage the more they become known. ha s h : this development the attention of the directors k ind been incessantly directed. Difficulties of no ordinary 11 0 ,, e . 11 "e been thrown in their way. They are happy, u tra ' r to be able to state that they have been entirely °la med. ou that th f ormer . occasion it was stated by the chairman, began e principles of the society had penetrated, and 1,1, A r cl4 be extensively appreciated, in other countries. t of an that period little more than the . comm , commencement but a i!g e ocy had been made in the United States, and cl efts 4gbt experience obtained, either in regard to the ebarae-terriosfits undertaken, or of the management and the ac , ency. The directors found it neces ru t eee . o jtlove vvith . extreme caution and prudence; each one, so step was th e resu lt o f success on the previous s deuu that had anything occurred to destroy the con dieectr, °n which any arrangement had been built, the the u - „ r :, 4 Would have been in a posit:(11 to retire from welt _ -wertaking vsithout compromising the safety or ...are T he o f the society. bl~h e d,e°elety may now be considered as firmly este guidaTtee'n t i .be C . anadas and the United States, under he ton g 8, directors there of unquestionable stati , n, been m e ndin g , - and wealth, and the management has tinder eaLle efficient, and is at the same time as much their uu lue control of your directors here as any one of stoerous agencies in this country. 'To duct theatisfY th e views of the directors appointed to con !ad cred bu siness in N ew Y or k, an d to g i ve sta bili ty • to j oye . + lt to the society, the directors have consented S tates I% B ' l ° l of money in the stocks of the United aet e ' w .mcb, although at the time considerable, is now th epe ?tul , to one year's income derived from its business e qually his sum is under a joint trusteeship, and is as nveFura any other investment. e l th e directors have been occupied with the extension fer re . society in another direction. The plan of De thei: Annui..ies published by the society has been, t hus go th e Past year, under discussion amongst the va rinis ei rder s of Friendly and Benefit Societies. It was ut iall Y for the benefit of the industrious masses that It Wil l of Deferred Annuities was originally proposed. to reo:,,fetind to satisfy the wants of these classes, Prese nt '.` l 3' the evils and correct the abuses of the of a I°3 Perfect system. No class stand more in need re eour Provident use b e i ng ma d e o f t h e i r spare ti es et °es —no ne have to encounter such severe difflcul *hos an ad vance d per i o d of l i fe , and yet there are none so e Present resources are so fruitlessly e m pl o y e d, or hu ilrovidently. wasted. The conviction of this fact is that daily.more extended. Experience has proved "mitt these institutions, however useful as social and f riendly reunions, or as sick clubs, can scarcely be relied cn as the stay and support of old age. In order to connect more closely the society with the three principal b o di es , composed of about 600,000 individuals, and to understand the practical wants of those whose main resource depends on their own labour, the directors have organized a committee, composed of some of the active office-bearers, amongst these bodies, and whose labours have already commenced. " The mortality amongst the assured bas been greater la the past year than in any previous one, with the ex ception of the year 1843. Up to the end of 1845, the decrement amongst the assured amounted to 35 ,757/. 14s. Since then, claims have been paid on b en ty- six p o li c i es , amou n t i ng to 10,312/.35. Bd., being e, however, than the expected mortality on the year iLthe sum o f 5,254 1 . 16s. 4 d ., an d o f t h e w h o l e ex ted clai ms s i nce the format i on o f t h e soc i ety b y ,282/. 2s. 4d. At the date of the last meeting the number of Cueies then issued was 3,550. These have since eill e n 3. ted to 4163, exhibiting an increase of policies of 46.0001 present i 0711 present ncome of the society is upwards vue"rThe Directors, in conformity with the deed of settle eff44l have caused the annual investigation into the is It : of the society to be made by the Actuary ; and it audit: presented, together with the accounts of the the and will be read to the meeting. Following au k ( an of distribution laid down in the preceding aer,,,,1 division of profits, of taking one-fifth of the re lad Pond for immediate distribution to the proprietors POsitf e ,, Y - holders of five years' standing, the prosperous serpi n ` 4 of the society enables the directors, after re- P01i0,30 per ce n t. o f t hi s sum, to di v id e amongst the eolders entitled to this distribution, a pre en the varying from 35 to 85 per cent. on the pre en th e ; and to the proprietors a bonus of 3k per cent. 5 per _Past year, in addition to the regular interest of ~,`„'ee n t• already paid to them. hihitB4n following table, prepared by the Actuary, ex- Abi eh amount of the five last annual bonuses, to hone the holders of policies of five years' standing have e _ne entitled, with the options of receiving the same of 5 or by remiums addition to their policies, or i n re d uc ti on - tumid p EXAM!' EXAMPLES. I Perma- Sum th• 40 .1., .1.7 Annual Policy I Barons in s 2: Pre- taken ' addition nent lie- Assured Bonus in duction of may bor n mi = 1 to Sum . ann. out in Cash. Annual row on .`. i Assured. Premiums. Policy. — £ a. d. A a. d. £ s. d. £ s. d. 1837 243 9 3 112 8 5 18 4 6 494 8 lo 1838 218 4 8 99 8 10 1 5 13 5 445 0 0 80 £ 100 74 34 £a ' d . 1839 192 110 86 9 3 13 4 9 395 11 1 • 1840 143 510 66 8 4 919 1 346 2 3 1841 138 14 2 61 17 9 9 2 296 13 4 1842 111 6 8 49 L 7 10 4 247 4 6 , " There are now to be elected three directors in lieu ° r John Elliotson, M.D. F.R.S., Clement Tabor, Esq., has ex Jos e ph Thompson, Esq., whose period of office expired,-but who are eligible to be re-elected, and offer themselves accordingly ; also . the confirmation of . the electiou by the Court of Directors of Henry: . Fenw7k, kg q. , as a director in lieu of John Griffith frith, Esq.; a v nd also twoauditors, in place of Professor Wheatstone, -.18 " and Professor Graves, A.M., F.R.S., whose period of office has expired, but who, in like manner, offer theraselves for re-election. "APprovect by the Court of Directors, "T. LAMIE MURRAY, Chairman." The balance •sheet for the year was also read. The CHAIRMAN th en rose an d said. Gentlemen,— bef ore movi ng t h at t h e repor t w hich you have just atedread should b e a dopted, and printed and circu an, a mongst the proprietors, if any gentleman has i question to p u t t o me w ith respect to the society th il .o th e l ast annual meeting, or w i t h respect t o any toll:lg Contained in the report I shall be very happy i ! N l'swer I)roprietor having put any question, vhiche . C HAIRMAN said—l believe the report itself , full 18 of unusual length, has entered into a past ail of th e operat i ons o f th e so ciety during the C a e st e ar. It m a y b e pro p er ly described as being ri nstaotp„ • n a stat e o f f orma tion and extension, and it has arrived a t th a t p o int when its progress ‘elhl: ich st op, when it will become stationary, ciet from the past progress of the so f__ 3') I thi n k must be remote, it becomes necessary t :r nie to state to the proprietors from year to year the Proceedings, which are annually published in Pre ne wspapers, f or t h e i nformat i on o f th ose not ' sen t' and t h erefore it becomes my d uty the ° the present occasion to explain to you is Perations o f t h e society during the past year. it r a duty of a pleasing and satisfactory nature, as di re P et eln°t es a bett er un d erstand i ng b etween th e l ie at 78 and proprietor s , p o li cy -h o ld ers, an d th e pub keietieas of rge' inasmuch as all feel a deep intest in this kid; and, therefore, as a erieatter THE SUN, LONDON, THURSDAY EVENING, MAY 13, 1847. involving the security of so many individuals, we have always thought it advisable to ex proprktor:i 1. , .1 oar operations for al= preccdi? , B ytar 'l. <, has been one certainly of considerable sufnring, nevertheless the profits of this year are nearly double the amount of that of last year.--(Hear, hear.) Another drawback which we have had to contend with is the expense to which we have been put by the establishment of the agencies in the United States referred to in the report, which have fallen entirely upon this year. These expenses are considerable, but the directors thought it would be better, especially as the profits of the society would allow it, to charge them upon the current expenses of the year, instead of spread ing them over several years, as we did in the first instance with respect to expenses of a like nature. The preliminary expenses, in the first instance' amounted altogether to 16,0001.; they have been reduced to 9,0001., and in the course of a few years they all become extinguished. What I particularly wish to direct the attention of the proprietors to is this, that every year we have an annual inves tigation of our affairs—(Hear, hear) —that is one of the original principles of the constitution of this society. Before this society was established the old societies adopted the plan of making an in vestigation of their affairs, and submitting the results to their proprietors only once in five, seven, or ten years. We considered that question very fully, and we thought that by distributing the surplus bonus, if any, every year to the policy holders, and allowing each individual insured in the society to participate in the annual profit.; they would derive far more advantage from such arrangement than if the society had adopted the plan to which I have referred, and had waited to the end of ten years before they were distributed. in those societies which make a distribution only once in ten years, the consequence is that some lucky individual may get a very large share of the bonus, whilst those who died before the declaration of the bonus, obtained in their lifetime no advantage, owing to the length of time which elapsed between one period and another. ThiS objection cannot be made to this society, as holders of policies have all the advantages which are derived from an annual distribution. I trust, therefore, that the advantage which the society offers will be made known by this meeting, and that it will induce those who are about to insure their lives' to give a preference to this society. A more equable division of the surplus profits is made, so that a policy falling in during the year could only be deprived of the bonus accruing between one annual meeting and another.—(Hear, hear.) I wish also to refer to the successful establishment of agencies in the Canadas and in the United States. The result of the experiment has been a source of great gratifica tion to the directors. We felt that the extension of the society abroad was attended by difficulties, and, therefore, we had to exercise a great deal of caution ; but as the principles on which the society is founded had met with the most liberal support in this country, we confidently believed that the same results would attend it elsewhere, and we have not been mistaken, as agencies have been established in the United States; and we feel as much security in these agents as if they were under our immediate control in London.—(blear.) There is another matter in which I myself feel much gratified—as much gratified as with any other part of our operations. The pro spectus of deferred annuities, early issued, embodied the entire argument connected with friendly and benefit societies. It pointed out the evils and applied the remedy to the existing system. I had made it for many years my peculiar study to trace the exact nature of the evils inherent in these societies, and in publishing the plan of this society I explained my views of the subject, and I find that they have been greatly acquiesced in by those thinking persons who have bestowed their attention upon the subject. I said that the subscribers' to those benefit societies did not receive the benefit from them which they professed to afford. It is now siz or seven years ago since the plan which I proposed to remedy those evils was published, and since it re ceived, I may say, the sanction of the general public, without, however, drawing towards it any great number of persons belonging to the class to which I have referred. Certainly we have a great number of deferred affordan nuitants to thei e n xpe g e e t n t e o r general obtain nny underad vantages uitants ; but, considering that it was designed to which work ing t h ey could classesnot the old system, it may be said that till recently it has not received that attention and sup p ort from them of which it se ems deserving. Dur ing the last year the subject has been much discussed by the Benefit Societies in E ng l an d . A committee, composed of zealous members of Friendly So cieties, was formed. They had under consi deration every plan proposed, either by the Govern ment or by the various companies, for the purpose of affording the working classes the best means of providing for sickness and old age, and after this society had requested the fullest investigation, they came to a resolution, which they forwarded to the board of directors, stating that, after the fullest consideration of the merits of other systems, they had come to the resolution that nothing was so advantageous to the working man, or to the indus trious classes in general, as the plan we had promulgated.—(Cheers.) We had much difficulty in convincing those societies that in fact subscriptions for the purpose of creating a fund in sickness was a waste of means ; and that the sums thus contributed might be much better and economically laid out ac cording to our system than by allowing it to be a sickness fund. The deputation that waited upon us upon the subject wished us at first to expunge that portion of the prospectus which had reference to this subject, the inutility of providing a sickness fund, and after much discussion we intimated to them that the suppression of this argument would amount to a suppression of our principles, and that we could not do so with advantage to the society - (Hear, hear)—but, as many of the working classes are much in favour of a sickness fund, al though they are paying away money for a purpose which affords few of the advantages which this institution offers, the directors considered that two modes of providing for old age and sickness might co-exist, and in fact should exist— namely, a sickness fund, entirely separate from the annuity fund, as the result, too frequently, was this—that a man found, in old age, that although he had been a contributor to the general fund, he was eventually deprived of that advantage which, under a better system, he might have enjoyed by con tributions from his labours, at a period in life when , he most stood in need of aid. I think, therefore, that the tendency will be that these two departments must ' be kept distinct. It was stated in the early part of the establishment of this society, that our plan of de ferred annuities would destroy reunions. No such thing. In fact, the constant reunion • of the members of friendly societies tends to promote the welfare of the productive classes, to diffuse amongst them the kindliest feelings, and sustain them when the rights of labour are invaded, and I am much in favour of them because I think they are for their advantage. We have not brought into the business of this year any portion of those policies that have come to us from these classes. They are new insurers, and are a body in fact who will require almost a separate establish ment, but when you consider that there are at least between 3,000,000 and 4,000,000 connected with these friendly societies—a very large class to deal with—and sufficient, if they insure to any extent, to pay the expense of a separate establishment, to regu late the receipts and expenditure in connexion with that department. For instance, the Manchester Unity of Oddfellows, one of the largest so cieties in the kingdom, has about two hundred and fifty-one thousand members, and their revenue is about 316,0001. a year, but that is only one society. Ido not wish to make any statement prejudicial to that society, or to others of a similar nature, as I have no desire to underrate the good which they unquestion ably effect, but I know from the accounts published by this society of odd fellows, every year shows a considerable waste of means, which I suppose, ac cording to their system is inevitable. But I think that the adoption of the proposal, we have submitted to them, will greatly redound to their advan t age that their resources will be better economised, and better and more profitably invested, than by systems in force at present. I should say, gentlemen, that I have never addressed a meet , ing with more pleasure, with more pride, and , with more satisfaction than on the present occasion. (Hear, hear.) I can see now that our society is nnsitior. which .-ery few societies have ever success at first; we afterwards progressed more slowly,up e seems n us; that and unexampledalthouah pros perity has and now bled it last naftoshrat:i we at a a e n l l l y p'e led. There w ill no t, how ever, know, wasprosperity, one tour no urp t ve hkey to spe l ets pro motehays e a increasedratio to the distres s w hi c h tumbled h be the same pressure upon our expenses ne x t year as there has been during the last. Th e difference is, as I have said, 9,000/, o w i ng t o th e ex penses which have been incurr e d i n esta bli s hi ng agencies ; they will be less n ex t year, an d I think we may also expect next ye ar a l arger b onus than at present; and I should men ti on t h at a proo f of the confidence entertained by th e i nsurers i n t h e ear, u society, is to be found in the number of policies is sued during the past year on the profit scale, showing the opinion of the public of its great advantages over those societies which only de clare their profits quinquinally, septenially, or every ten years. I think that is the best proof of public feeling. I should also state that the income is 43,239/.145.1d. ;making with investment nearly 50,000 L InlB44the income was 22,695/.,lastyear it was 31,7211. ; therefore justifying the statement in the report, that the income has been really doubled within the last two years. Gentlemen, with great pleasure I will now move that this report be adopted, and that it be printed and circulated amongst the proprietors. The motion was unanimously adopted. The CHAIRMAN then moved seriatim the re-election of the directors, whose term of office had expired, and the re-appointment of the auditors. With respect to the auditors, he stated that no society could possess more careful or more conscientious auditors than those they had the honour to possess. They were well accustomed to the arduous and difficult duties which they had to discharge, and it gave him, there fore, great satisfaction to state that they discharged their duties in an able manner. They were both the auditors of the Royal Society. The motions were respectively agreed to. Mr. ADCOCK said—l beg to propose a vote of thanks to the chairman, and to the directors, for their exertions during the past year. Mr. HINTON seconded the motion. He said—l am sure, gentlemen, after the able report which you have heard read by the secretary, you cannot but be of opinion that our worthy directors deserve the best thanks for what they have done for the society. The motion being unanimously agreed to, The CHAIRMAN said—On my own part, and on behalf of my colleagues who have taken a part in the labours of the past year, I beg to return you our most sincere thanks. I can assure you that we all feel an anxious desire to make this institution the first of the kind in this country, and I think we have done something already. —(Hear, hear.) I think that all the difficulties which we had to encounter at the establishment of the insti tution, are to a certain extent past. I think we shall get something better every year.—(Hear, hear.) The meeting then separated. COURT CIRCULAR. The Queen and Prince Albert accompanied by the Prince of Wales and the Princess Royal, honoured the Floral Exhibition of the Royal Botanic Society with a visit yesterday morning. The Royal Suite consisted of Hon. Miss Stanley, Hon. Miss Dawson, Lord Waterpark, Lieut.-Colonel the Hon. C. B. Phipps, and Captain the Hon. A. H. Gordon. Her Royal Highness the Duchess of Kent visited her Majesty, yesterday, at Buckingham Palace. The Queen took an airing in a carriage yesterday af ternoon, attended by the Hon. Misses Stanley and Daw son. His Royal Highness Prince Albert rode out on horseback at the same time. The Equeries in Waiting on her Majesty, and his Royal Highness attended on horseback, Their Royal Highnesses Prince Alfred, the Princess Alice, and the Princess Helena took airings yesterday in the pleasure-grounds of the Palace. Her Majesty and Prince Albert, accompanied by the Prince of Leiningen, honoured the performance of the French plays with their presence yesterday evening. The Royal Suite consisted of the Hon. Miss Stanley, Hon. Miss Dawson, Lord Waterpark, Lieut.-Colonel the Hon. C. B. Phipps, and Captain the Hon. A. H. Gordon. The following order was yesterday issued by the Lord Steward of the Queen's Household : "Her Majesty, taking into consideration the present high and increasing price of provisions, and especially of all kinds of bread and flour, has been graciously pleased to command that from the date of this order no description of flour except seconds shall be used for any purpose in her Majesty's household, and that the daily allowance of bread shall be restricted to 11b. per head for every person dieted in the Palace. "By her Majesty's command, "FORTESCUE. "Board of Green Cloth, May 12th, 1847." We are authorised to state that no tickets to view the Royal pictures by Winterhalter in St. James's Palace will be issued from the Lord Chamberlain's office after this day (Thursday) the 13th inst., and that on and after Monday next, the 17th inst., tickets may be obtained (in the same manner as orders to view the State apartments in Windsor Castle) upon application to — Messrs. Paul and Dominic Colnaghi, printsellers, No. 14, Pall mall East Mr. Moon, printseller, No. 20, Threadneedle -street Mr. Mitchell, librarian, No. 33, Old Bond -street Messrs. Ackermann and Co., printsellers, No. 96, Strand. Among the visitors yesterday to view the Royal Pictures were, the Marquis of Headfort, Ormonde, and Cholmondeley, Lords Mahon, Northwick, Ashburton, Sydney, Effingham, Seafield, Colchester, Warwick and Braybrooke ; Ladies Plymouth, Dowager Wharncliffe, Forbes, Buckinghamshire, Shaw, Stewart, Thesiger and Disbrowe; Right Hon. Sir Stratford Canning, Hon. W. Bathurst, Miss Burdett Coutts, and Mr. Bailie, M.P. Her Majesty the Queen Dowager took an airing yes terday in a carriage. Her Majesty visited her Royal Highness the Duchess of Kent, at her residence, Cla rence House, St. James's. Her Royal Highness the Duchess of Kent, attended by Lady Augusta Bruce, dined with her Royal High ness the Duchess of Gloucester yesterday, at Gloucester House. Their Royal Highnesses the Duke of Cambridge and the Princess Mary visited the Duchess of Gloucester yesterday. The Baron de Cetto, Minister Plenipotentiary of his Majesty the King of Bavaria, by command of his Court, inspected yesterday the New Hall, Library, and Council Rooms of the Honourable Society of Lincoln's-inn. His Excellency was conducted over the building by Mr. Charles Purton Cooper, Q.C., one of the Benchers, and by the officers of the establishment. Mr. Wylie had an interview with Earl Grey yester day. Mr. Musgrave had also an interview with his Lordship at the Colonial-office. ASTLEY'S AMPHITHEATRE. The attraction of the magnificent spectacle, The Bride of Abydos, continues undiminished, and we have had this week several novelties in the " circle." In this de partment the performances of " the Diamond of the Desert," a beautiful Arabian horse, are perhaps the most interesting. Thi s b eaut i ful and highly -trained animal is completely under command, and performs the most astoniah.ng feats in leaping, running, and dancing. The Mexican Antipodean Artistes, too, are admirable in their gymnastic feats ; and Mr. Powell, who deli neated all the characters in " Pickwick," on a rapid courser at full speed, keeps the audience nightly in a roar. Messrs. Barry and Wallett are re-engaged as clowns, and Mr. Twist still continues his services, so that the comic force of the company is very great. THE CROPS. TO THE EDITOR OF THE SUN. SlR—Having just returned from a visit to the north, I take the liberty of giving you the result of some ob servations that I have been enabled to make, on the state of the growing crops, and am most happy to say, that •judging from their appearance at the present time, the tears of the country may be allayed with regard to the produce of the forthcoming harvest. I never saw the young wheat more healthy in appearance, and the same will apply to the oats and barley. Late the season cer • tainly is; but if we should, henceforward, have warm weather, the time of reaping may probable not be pro tracted beyond the average season. It is generally said that a late spring betokens a fruit ful year, and I really think that the present appearance of the growing crops promises a fulfilment of that saying I remain, Sir, your obedient Servant, London, May 12. S. M. GRAND CELTIC BALL.—The proceeds of this chari table effort, amounting to 403/. 19s. 11d., has been distributed by Lord John Russell, as follows :—Countess of Dunmore, for the Island of Harris, 50/. • Lady Riddill, for Ardnam urc h an , 50/. ; Mrs. M'Neill, for dolonsay, 4W.; Mr. Andrew Fraser, for the Relief Committee, Fortwilliam, 251.; Rev. G. David son, for the neighbourhood of Latheron, Caithness-shire, 25/. ; Mr. M'Caskill, for the neighbourhood of Talisker, 251.; Mr. Robertson, Kinlochmoidart, 251.; Mr. Lillingston, for the neighbourhood of Lochalsh, 25/. ; Mr. Hugh M'Kenzie, Little Loch Broom, 251.; Mr. Rainy, Raasay, 251.; Mr. Mac donald, Glenadale, 251. ; Dr. Mackenzie, for the Scotish Pa triotic Society for Improving the Condition of the Lower Classes, 251.; Dr. John Macleod, for the district of Morven the balance), 38/. 19s. I Id. Ersoist RACES.—AII the preliminary authentic particulars connected with the Derby will as usual be given in Beit's Life in London, on Sunday, May 16. A Sixpence sent to Mr. Cletnent, jun., 170, Strand, will ensure a copy by return of post to any part of England, Scotland, or Ireland. Bell's Life of May 9, which contained the explanatory chart of Newmarket Race Courses, can be had all this month of May. Bd.'s Life of May '23 will give a full report of the Four Days' Races, with a Portrait of the Winner of the Derby. ROBBERY OF POSTAGE STAMPS. — Yesterday in formation was received by the police that the house of Mr. Boar, stationer, Wimborne, had been plundered of 12,000 postage stamps, valued at SC/. misery and destitution wider which Ireland more eope cially has, unfortunately, been labouring.—(Cheers.) They had the boldness at once to come to Parlia ment and ask for a liberal supply of money to meet the exigencies of the case. This was granted to them in the most unhesitating manner, while its administration has beeen marked by the greatest discretion, and, I be lieve, success.—(Cheers.) But, notwithstanding all the difficulties of their position, her Majesty's Government have not been unmindful of the improvement of the moral and social condition of the poor, by extending to them the benefits of education.—(Cheers.) On this ac count alone her Majesty's Ministers deserve well of the country; and I believe the country will do them justice in that respect.—(Cheers.) The citizens of London are favoured very much in having for one of their repre sentatives the Premier of England.—(Loud cheers.) They are proud of their distinguished representative— (Cheers)—and the Noble Premier, I have no doubt, will carefully watch over the interests of this great city.— (Cheers.) His public career has not been a short one; his public services are well known; they are identified with the history of the country—l need not now allude to them—while his private virtues have endeared him to all who know him.—(Loud cheers.) lam quite sure that he and her Majesty's Ministers have only one ob ject in view, namely, to contribute, how they best can, to promote the prosperity and glory of this great empire. —(Loud cheers.) I therefore give as a toast, with all confidence that you will duly honour it, " The health of Lord John Russell, the Premier of England, and the rest of her Majesty's Ministers." The toast was drunk upstanding, with all the honours, and great cheering. Lord J. RUSSELL, in rising to respond to the toast, was received with loud cheers. His Lordship spoke as follows:—My Lord Mayor, I beg, in the name of my colleagues and my own, to return you most grateful thanks for the honour that has been done us in drinking our healths on this occasion. You have most truly ob served, that the task we have to perform is one that brings with it great anxiety. It is one that has not as sociated with it the brilliancy of achievements like those of the gallant hero (Sir H. Smith) and the distinguished men in the other service of the Queen. Our anxieties are constant; and, in adverse times, our exertions cannot be accompanied with uniform success. It is our wish, how ever, to endeavour so to act that we may enable the country to have all the advantages which she can receive from the administration of sound measures applied in due season.—(Cheers.) When I say this I do not wish to enter into any controverted topics of politics, which are always out of place in assemblies of this kind. But let me say with respect to the measures we have pro posed, that they have met the general and unanimous as sent of Parliament. Before it pleased Providence to visit this country with the present affliction it appeared to the Parliament of this country that the course to be pursued was to give greater freedom of commerce— greater freedom of entry and of export—freedom to come in and go out, to diminish restriction, and to facilitate in tercommunication. Such was the general sense of Par liament, with scarcely discussion, certainly without dis pute. In so doing we could not expect—no man could expect—that the calamity with which we have been afflicted would be at once overcome, as though we could reverse the decrees of Providence; such power is not given to man. But it was an endeavour, by the applica• tion of those principles which we believe to be sound, to alleviate the misfortune as far as it was in our power.— (Cheers.) Let me say that there is another mode which does not depend upon legislation—which does not de pend upon Governments—but which yet, in this time of dearth, has a greater influence in alleviating the pressure of public calamity than those who look merely to the details of measures would believe to be possible ;—I mean that, while on the one hand we ought to favour as much as possible a free admission of the greatest quan tity of food into the country, so likewise it is the duty a every master of a household to economise as much as possible the food we have.—(Cheers.) While the labour ing classes and the poorer orders of society have the greatest difficulty in providing for the daily subsistence of themselves and their families, it is the duty, I say, of every master of a household to do what in him lies that the 'Mansion-house. The banquet took place in the Egyptian-hall, which has seldom contained a more brilliant assemblage. At the upper end of the room was placed the beauti ful canopy of state, with its gorgeous gilded cornices and scarlet velvet drapery, as used on the memorable occa sion of her Majesty's visit to the City to dine with the Corporation. Immediately underneath stood a lefty sideboard, on which was ranged a variety of salvers, flagons, and most costly plate, silver gilt. From the top table three others stretched at right-angles the entire length of the room, displaying also a profusion of plate. Covers were laid for about 200. On the Lord Mayor's right sat Lady John Russell, the Marquis of Clanricarde, the Countess of Clarendon, the Earl of Clarendon, the Countess Grey, Earl Grey, the Earl of Auckland, Viscountess Palmerston, Vis • count Palmerston, Lady Stratheden, Lord Campbell, Lady Grey, Sir George Grey, Lord Dudley, Lady Mary Wood, Sir Charles Wood, Miss Hobhouse, Sir J. C. Hob house, Mrs. Labouchere, Mr. Labouchere, Mr. G. S. Byng, Mr. Sheil, Mr. E. Stanley, Mrs. Fox Maule, Mr. Fox Maule, Mr. T. M. Gibson, Lady Adam, Vice-Ad miral Sir C. Adam, Lady E. Moreton, Admiral Dundas, Lady C. Berkeley, Captain Berkeley, Sir J. Telly, Bart., Sir W. Somerville, Mr. B. Hawes, M.P.; Mr. Ward, M.P.; Mr. Gibson Craig, the O'Conor Don, Mr. H. Rich, M.P. On the left sat the Lady Mayoress, Lord John Russell, Mrs. Cobden, the Mar quis of Northampton, the Countess Fortescue, the Earl of Fortescue, Miss Carroll, the Duke de Melfort, Lord Edward Howard, Viscountess Ebrington, Lord Lang dale, Lady Langdale, the Vice-Chancellor of England, Lady Shadwell, Lord Marcus Hill, Lady Marcus Hill, Mr. Baron Alderson, Major-General Sir Harry Smith, Lady Smith, the Curaitor Baron, Mrs. Bankes, Sir W. Molesworth, Lady Molesworth, Sir Edward Buxton, Bart., Lady B u xt on , Si r F . Booth, L a d y R o th sc h i ld. Sir A. Rothschild, L a d y M‘T aggart, Sir J. M‘Taggart, the Attorney-G enera l, L a d y J erv i s, t h e Solicitor-Gene ral for Scotland, M rs . M a i t l an d , t h e G overnor o f th e Bank of England, Mrs. Robinson, the Deputy-Governor of the Bank of England, Mrs. Morris, the Chairman of the Hon. East India Company, Mrs. St. George Tucker, Lieutenant-General Sir James Lushington, Mrs. Rooke, the Lord Mayor of York, Mrs. Hudson, Sir Moses Montefiore, Bart., Major-General Fox, Mr. Masterman, M.P., Mrs. Chaplin, Mr. Chaplin, Mr. Jones Loyd, Captain Bunbury, M.P., Mr. A. Hastie, Mrs. Maberley, Colonel Maberley, Mr. John Irving, Mrs. John Wood, Mr. Wyse, M.P., Baron Mayer de Rothschild, Mr. A. Milne, Mr. Macgregor, Mrs. D. Saloons, Mr. D. Salo mons, Mrs. John Walter, Mr. John Walter, jun., Ma dame de Hoffschmidt, Count de Hoffschmidt, Sir L L. Goldsmid, Bart., Lady Goldsmid, Sir H. Nicolas, Lady Nicolas. Sir G. Pocock, Lady Pocock, Sir C. Napier, Capt. Carroll, Mr. Whitnall, Mr. Cox, Mrs. H. Smith, Mr. H. Smith, Miss Tilleard, Mr. J. Wood, Mr. Laurie, Mr. Maitland, Mr. Maitland, jun., Mr. Pidgeon (trea surer of Christ's Hospital), Mrs. Pidgeon, Mr. H. Pidgeon, jun., Mrs. H. Pidgeon, the Mayor of Exeter, the Rev. J. Philpott, Mrs. Huth, Mr. Huth, Mr. P. Laurie, Mr. Hill, Mr. Mitchell, the Rev. F. Astley, Mr. Dobie, Mr. Bond, Mr. Kemp, Sir C. Hunter, Lady Hunter, Alderman Lucas, Alderman Sir P. Laurie, Mrs. P. Laurie, Miss Farebrother, Mr. Alderman Farebro ther, Miss Dettmar, Alderman Sir W. Magnay, Miss Magnay, the Recorder, Mr. Alderman Wood, Mrs. Wood, Mrs. Hill, Alderman Sir J. Duke, Miss Hunter, Mr. Alderman Hunter, Mrs. Sidney, M r . Alderman ' Sidney, the Chaplain, Mrs. Mirehouse, Mr. Alderman Thompson, Mrs. Rooke, Mr. Alderman Johnson, Mr. Alderman Hooper, Mrs. Hooper, Mr. Alderman Fern combo, Mrs. Musgrove, Mr. Alderman Musgrove, Mrs. Hughes, Mr. Alderman Hughes, Miss Hughes, Mr. Al derman Moon, Mrs. Moon, Mr. Sheriff Kennard, Mrs. Kennard, the Town Clerk, Mrs. Merewether, Mrs. Challis, Mr. Sheriff Challis, Mrs. Brown, the Chamber lain, the Common Sergeant, Mrs. Tyrrell, the Remem brancer, the Controller, Mrs. Saunders, the City Soli citor, Mrs. C. Pearson, Mr. Commissioner Harvey, Mr. H. Ainsworth, Mrs. Allison, Mr. Allison, Mr. Chad wick, Miss Co-greve, Mr. C. Whiting, Mr. Cubitt, Mr. Dak in, Mr. Bladee, Mr. Sidney Whiting, Mrs. Baron, Mr. Baron, Mr. Cobden. Mr. Under-Sheriff Baylis, Mr. Deputy Evans, and Mr. Under-Sheriff Tilleard did the honours at the lower end of the three tables. The dinner, which did great credit to the caterers, was provided by Messrs. Ring and Brymer, of Cornhill. The following was the bill of fare : Turtle and iced punch. Salmon, turbot, fried fish, &c. Side-board—Petit Pâtés. Chickens, capons, turkey poults, larded ; hams and tongues, ornamented ; ribs lamb, raised ornamented pies, lobster salads, prawns, Chantilly biscuits, orna mented trifles, noyeau and maraschino jellies, pine, strawberry, and Italian creams ; Genvoise pastry, Swiss and Venice merangs, Chantilly tartlets, creamed tarts, Nesselrode puddings, plovers' eggs, &c. Removes—Haunch mutton, chine mutton, sirloin beef, currant jelly, &c. ; ducklings, goslings, leverets, turkey poults, pea fowl. Dessert—Hothouse grapes, apples, strawberries, orarges, pears, dried fruits, Savoy and almond cakes, mixed cakes, brandy cherries, preserved ginger. Ices—Pine, raspberry, strawberry, orange, mille fruit, &c. The Rev. Mr. COBDEN (Chaplain to the Lord Mayor) said grace before dinner. After the removal of the cloth, " Non Nobis" was chanted by Messrs. Hobbs. Francis. Gray, Stevens, Machin, and Bradbury, with Master Bannister, who attended as vocalists. -; , The LORD MAYOR, in proposing the first toast, said— My Lords, Ladies, and Gentleman,—Surrounded as I am by so distinguished a company, I am quite certain there can be but one pervading sentiment—that of devoted loyalty and affection to our Sovereign. I have, therefore, the honour to propose to you the health of " her Most Gracious Majesty the Queen;” most heartily wishing that, under the blessing of Divine Providence, t h r e i o r u r s e l i a g d n y ~ maythe be gu e l o e n n g p a o i_d , a p g r e o r s , p , , prosperous.—(Three .; ( Th re e times . three, followed by the national anthem.) The LORD MAYOR next gave the health of that Mus k her manifold virtues enjoyed the good opinion of the entire British people. Royal Highness The LORD with all the MAYOR next proposed "the Health of his Prince Albert, Albert Prince ot W ales, and _ and the rest of the Royal Family," which was drunk The LORD MAYOR, i • " the Army and n proposing . Navy," paid a marked d' tin uished Sir compliment to his is g . honours, and was followed by a glee. guest, H. Smith, for his gallant 'services in India. He felt it wholly unnecessary to advert to the bravery , of a gallant officer who had fought so nobly.—(Loud and long-continued cheers.) It was not bravery alone they had to admire, it was the sagacity which never forook him in the most t'Ti • ng emergencies—(Cheers) — and which enha nce d t h e value of his troops tenfold. Well did he deserve th e tr i bute which had been paid to him by the hero of W aterloo, when he said that " in case of any emergency th ere was one man who could be depended upon."—(Loud cheers.) The corp ora ti o n over which he had the honour to p res i de had not been unmindful of the deeds of the Gall ant G eneral ; for very soon after the intelligence of his victories they had voted him the free dom of the City in a gold b ox, wh i ch b e h ope d o n an early day to present to him.—(Cheers.) He begged to give the " Hero of Ali wall and the Army, " and " Si r C . Adam and the Na vy.— (Drunk with all the honours, amidst loud and continued cheering.) Sir H. SMITH, in acknowledging the compliment, said —My Lord Mayor, an d this august assem bl y, i n t h e name of that gallant ar my to which T sinproud to be long, I thank you.—(Cheers) The present Commander.. in-Chief needs no encomium from me, or indeed from the world. The Duke of Wellington stands alone, proudly pre-eminent.—(Loud cheers.) For myself, my Lord Mayor, allow me to say, little could I be aware, when forty-two years ago I joined the army, that I should ever ascend to the elevated position in which I now stand before you and her Majesty's Ministers ; but, born under a free and glorious constitution, I have risen progressively, I may say, by the power of circumstances and my own industry.—(Loud cheers.) To have re ceived the distinction s her Majesty has thought it right to bestow on me, to have been thanked by the two Iloti,es of Parliament and by the Court of Directors, and to have received the civic honours of this great and tuig - bty city, having yesterday been elected a member of the Worshipful Company of Goldsmiths, are honours a soldier may indeed well be proud of. I assure you they are duly appreciated by me.—(Loud cheers.) My Lord, I have fortunately served long under his Grace the Duke of Wellington, and any man with moderate mental re sources, who has disciplined his mind to coolness and service self-possession, will, on the occasi on o f great difficulties and dangers, find the advantages o f such experience rise to his aid. That experience I deri ve d from the Duke of Welliugton.—(Cheers.) If I ha ve b een fortunate e t t t oa n no imitate n g enough t as t oteervthat renderiiatin great lanyesat school, and, I will say, endeavoured commander.—(L oud cheers.) Io my country, it i s be ell.—(Cheers.) I am could dwell on the merits of the,.Duke of Wellington, L I o h r da have obuegelni been, in but it does not become me to say . more than to express my may live to teach younger officers than myself to become feearent wish that long life may attendahni what you l e i a bni a t - e end b t e tho e e t L i kind hoerrd o I.( e i enough r o ,A u i i g ni h i:e to a la say (i e e designating y in d deuce they reposed in me ; but I am still more indebted the eminent position they assigned to th e to the gallant soldiers whom it was my good fortune to commal:d.—(Cheers.) It is the soldiers, after all, that fight our battles, and to you, my fair countrywomen, I will say they are indebted for much of the gallantrythey exhibit in the field—(Cheers)—being taught by you from infancy that bravery is the first virtue of the sol dier.—(Loud cheers.) My Lord, I thank you and her Majesty's Ministers for the honour you have been kind enough to confer on me, and . for you, my fair country women, I will only add,—since "None but the brave deserve the fair," may I continued to deserve the tneed of your approba tion.—(Loud cheers.) The only a pprehension I have is that when called on next to stand forth in the defence of T hould fall short of the QIICO • ' ' toy country, s encomiums 3 ou o amply heaped o n we. _ (Cheers.) Sir C. ADAM, in an effective speech, returned thanks on the part of the navy, amidst loud cheering. The LORD MAYOR then rose and said—The toast I shall now offer to you is one of paramount interest on • I have the honour to be surrounded b this occasion. her M. • • , • • by i the Premier of England and diesty s Ministers.— (Loud cheers.) I am sure I need scarcely observe that those who are intrusted with the management of tho important affairs of this great nation carry upon their shoulders, at all times, a great load of anxiety, Even if should go as smoothly as the best wishes of everything still the multitude the country could desire, of impor- ! in which they bear so large a concern must l taut affairs naturally entail a pressure of solicitude sufficient, well to overwhelm ordinary minds. But the ordinary nigh, anxiety of office has, in these days, been painfully diThetheaotril 0. that calamity shall not be aggravated by his own waste. (Cheers.) And while I state that to be a general duty I am happy to say that the highest head of a house hold in* this kingdom—her Majesty the Queen—has directed that in her own household the utmost economy should be used in the consumption of every article of fi,od.—(Loud cheers.) There are •other matters con nected with this subject—not matters of government or legislation—but which, standing as I do before you and this company, I cannot overlook. The calamity which has visited our brethren in Ireland and part of Scotland has called forth, in a most remarkable degree, the sympathy and the benevolence of those in the more favoured portions of the United Kingdom.—(Cheers.) They have distressed themselves in order to come with relief to those who were entirely deprived of the means of subsistence ; and among those who in this country have been foremost in coming to the assistance of our brethren in Ireland, adding largely to the very liberal and munificent subscriptions that have been mule, I will venture to say that none have surpassed those whom I have the honour to call my constituents, the merchants of all classes in the city of London.—(Cheers.) But this spirit of charity and benevolence has not been con fined within this city, or within the limits of the United Kingdom. lam happy to say that day by day we re ceive the intelligence that those who sprang from the same origin with ourselves have a fellow-feeling with us in our prosperity and adversity.—(Cheers.) The Con gress and people of the United States of America have shown their deep sympathy for the misfortunes under which parts of this United Kingdom have been:suffering, owing to the failure in part of the food of the people.— (Cheers.) I rejoice in this manifestation of sympathy and philanthropy. It shows that no remoteness of dis tance—no diversity of institutions—no records of sepa ration, even though written in bloody characters—have obliterated that sympathy which a people sprung from the same stock with ourselves feel for us, recollecting that they speak the same language, that they read the same authors, that they acknowledge the in spiration of the same sacred truths, that they read and revere the precepts of the same religion on the banks of the Hudson and the Mississippi in the same book with us on the banks of the Thames and the Shannon.—(Loud cheers.) I rejoice that they have shown this enlarged spirit of charity and liberality, and I am sure that, whatever may be the misfortunes of the pre sent crisis, it is among the consoling circumstances of our Lot that it will tend to unite these two nations in bonds of brotherhood in time to come.--(Loud cheers.) Ex pressing these sentiments, I will not deny expressing them for the purpose that our brethren in America may know that one who has the honour of holding high o ffi ce _ _ . in her Majesty's councils, is deeply affected by the sym pathy the people of the United States have shown, allow me to add one word with regard to the present circum stances of this country. I do not mean to hold out any flattering hope that we are suffering from a misfortune of a mere temporary character. _ The extreme dearness of the main aiticles w of food in this country, the dearness at the same time of a great staple of our manufactures, and other circumstances concurring, must entail upon this country for a considerable time great difficulty, and perhaps considerable suffering. Ido not think it would be either wise or manly in us to shut our eyes to the greatness of our difficulty. But I do trust that by a combination of all classes in this country—by that ab sence which I am proud to acknowledge of any wish in any party to embarrass the Executive Government of the country. by the general desire of the Legislature to meet the difficulties and calamities as they arise, according as their understanding and feeling show theM what is best to be done—by that spirit which animates .our warriors on the plains of India, which enables our men to encounter the el:emy in the most sultry climates, which enables our forces at the same time to meet every rigour and every difficulty—l do trust that by the power of that same spirit, in humble confidence in tho Almighty, these ciffi culties will be overcome, and that the prosperity and glory of this nation will be preserved.—(L9ud . cheers.) t i h g Te i h ie : y di o .ro u mb , i m aey y mo L reor e s id .: M t a ..d y o o v r :n as a a rni t d o s a t st l , o ‘ u i ' d Th e e he h er ea s :th an o: the toast was drunk with all the honours. The Loan MAYOR, having acknowledged the compli ment, proposed "The House of Peers," which was re ceived with three times three, and appropriately re sponded to by the Marquis of NORTHAMPTON. " The House of Commons" was next toasted. Sir C. NAPIER returned thanks. The Marquis of CLANRICARDE proposed " The health of the Lord Mayor," and highly complimented him for the many public and private virtues he possessed, and the splendour of his hospitality. The toast was received with all the honours, and ap propriately acknowledged by his LORDSHIP. The following toasts were then drunk:—" The At torney-General and the Bar of England" (acknowledged by Sir J. Jervis); The Representatives of the City of London" (acknowledged by Mr. Masterman); " The Magistrates of the City of London" (acknowledged by Mr. Alderman Lucas). Lord PALMERSTON then rose, and said:—The Lord toastla o w r h h i ah satisfactionlb e s e m n p k e i nr bys d u ae e dv n ee o dr u y g wb h oi dl t p yo be ee e rr r ee m ep i er t me ievseedn t _to with a v ti e greatest toa s t indeed, of the greatest and deepest interest, not merely to the happiness of this great city, but to every one who lives in the country in which it has been our lot to be born, and I may, without exaggeration, say, fraught with interest to the whole of the civilised world. The toast which I wish to propose is —" Prosperity to the City of London,"—(Loud cheers)—prosperity to that great city which is the source of wealth to the whole of this empire—which is an example to all that live within the realm, and which by animating the commercial rela tions of every country in the world conduces to the hap• piness of the nations and to the progress of universal civilization.—(Cheers.) It is the peculiar character of the days in which we live that the merits and advantages of commerce are duly appreciated by all. In earlier stages of civilization men looked with admiration to the ex ercise of power,—power employed in conquering and subjugating their unoffending neighbours; but in pro portion • as intelligence has been diffused, and as civilization has advanced, men have been led to think that the increase of commercial enterprise, the advance of commercial prosperity, is one of the objects most deserving of the attention and of the cares of mankind. —(Loud cheers.) Men are now well satisfied that the glory of a country consists, not in overthrowing the lib:!rties of their neighbours, but in diffusing those prin ciples of commercial intercourse which are the great foundations of international peace. -- (Cheers.) Men are satisfied that commerce is the great foundation of peace, and that peace affords the surest and only protection to commerce. —(Loud cheers.) Viewing, therefore, this gre at city of London a s the metropolis of the is commerce, and therefore the sanctuary of the liberties of the world, Lord I feel proud in having been permitted by my p. assistance t.) the Goverianynt and to Ulu mer cantile interest. Certainly of late there had been rather a pressure upon that establishment, and he was sure they would exercise all the liberality they could, con sistently with the prudence it was their duty to ob serve. DINNER TO HER MAJESTY'S tg "ranted by the visitation of Divine Providence pecu Miyor to propose to you, as a toast, " Prosperity to the MINISTERS. 114rly affectin g th e s i ster ki ngdom and part of Scotland. Cul of London."—(Loud and continued ch eer i ng .) LITERATURE-; Yesterd a y th e L ord M ayor an i t h e L a d y M ^7 mess —(Cheers.) I need not ca ll to your attent i on with what Ihe LORD MAYOR next proposed the h ea lth o f the S/MMOADS' COLONIAL .11.11:;AZINE. „ • „ (7 , The number of Simmord,' mme than „ , . . The GOVERNOR of the BANK returned thanks. He sincerely hoped the manner i n w hi c h th e directors ot . the Ba n k o f E ng l and had done, and would continue to do, their duty, would meet the approbation of their fellow-citizens, and conduce to the welfare of the country.—(Loud cheers.) Sir H. S3IITH proposed the next toast—" The Chairman „ and Deputy-Chairman of the Hon. East India Company. He felt proud in being the servant of one of the most Ex traordinary compani es t h at ever ex i ste d ; originating in a few individuals, the great victory of Assaye ren dered them at once an important body; and now, under the protection of her Majesty and her Ministers, they had a mighty empire under their sway, with enormous resources, and au army whose fidelity remained proof to all temptation; and which no foreign power would ever wasbrire briefly given, br e a eo i sdp e a tol i syana a pufd al iat edtefa A dtrlle N trptthyoarae o r f tti be able to overcome.—(Cheers.) os h do fk e t no h r t ng e t o ghph a s E aet u t a fg , y s Lrtt coffee, di d h i e India Company e t etal h ofiygt oot delighted ee the h dam e dnwarse h intwL a hs v iiaoet i Sheriffs d n hgn g e r o drawing room m splendidhouse Mayoress. u r cuiou:‘,l euipire. Iq;tv THE BANKER'S MAGAZINE. What the opinion of this commercial organ is upon the notorious c urrency scheme of 1844 ußon the impulicy of which we have l atterly been so frequently inveighing, may be gleaned from the subjoined paragraph] : ‘• Well, the railway mania has subsieed, but a fresh cause of disturbance has Supervened.i A famine in Ireland has compelled us to be hea quent exporters of bullion.°). A ers of foreign grain, and conse ; and, behold,million or two have left the coffers of the Bank its strength upon the exchanges, the Act has been trying principle, drove It'hhee first tt railwayofcom pany in the Ivorld into the borrower at five per cent., and caused the banks to restric't atheir advance& The public funds have sunk in principal value already some eighty, millions sterling; the minimum rate of discount has been elevated to panic-point; doubt and discredit are s i p p re t a n d ; ing from the centre of disturbance, like a water; pressure has commenced; and, in the conviction of thousands, panic is at hand 1 " Those are the consequences of the pernicious Peel-Lo 3•d theory; of that theory which the Right lion. Baronet, the Member for Tamworth, had the cool self-com placency to tell us only the other evening in the House, of Commons was our only safeguard against the recur reuce of a financial crisis. The only safeguard ? As well might we designate a reef of sunken breakers as a prevention against shipwreck on the maincoast. THE MIRROR. The Mirror of this month opens with an admi rably written critique on " Tancred," in which the writer has solved the riddle as to the meaning of this dazzling work, which has puzzled all the critics. "Itis a joke in three volumes." The writer of this notice is evidently one who has lived in the East, and studied the habits, manners, and customs of the Orientals, and it would be well for Kir. Disraeli that he should attend to the suggestions which this writer offers to him. The following passage is well worth his serious attention. It opens up to him a field, in which he may reap perennial laurels. "On one point we strongly sympathise with the writer ; we allude to the earnest solicitude he feels for the emancipation of the Jews throughout the world. This is a feeling which does him honour. From the re spectable position he occupies, it is gratifying to behold him descend, even in the pages of fiction, to hold com munion with the humble Israelite in Hounsditch who, surrounded with the noise and turmoil of this world's business, celebrates there the traditional Feast of Taber nacles. No passage in the whole work has touched us like that. With your Tancreds and Fakrideens, with your Dukes of Bellamont, y our Sidonias, and Lords Eskdale, we feel no sympathy whatever ; but with the tumble Jew, who, in conformity wish the practice of his forefathers, and in obedience to laws which he still be lieves to be divine, purchases his willow boughs, and builds his simple bower, in the court of his dingy and dusky house, oar heart most pleasurably and strongly yearns. We respect him for his obedient piety, however mistaken, and are persuaded that with so much firmness and fortitude, so much love of immemorial traditions, so much veneration for rites, handed down from father to son through a period of four thousand years, this obscure and isolated man must possess much goodness of heart, and great capabilities of civilisation. Why will not Mr. Disraeli cut his lords and his visionaries, and give us a novel of humble and simple Jewish life, no matter though the hero were an old-clothesman ? We should r,acitly accompany him in his adventures, and sit down by his poor quiet fireside, provided the mist of rhetoric did not hide it entirely from our eyes, with as much pleasure as we now feel fatigue in watching the evolu thins of a dreary and fashionable aristocrat like Tancred. ‘Ve are weary of j , wels, weary of dukes and lords, weary of all manner of finery, of malachite tables, and worlds of gilding, and drapery, and stuff. Give us the plain thing, homely humanity, just as God has made it, whether it be in the shape of a Jew or a flat-nosed Frank. We love it everywhere, and under all disguises. That Mr. Disraeli loves it too we believe, from the good, hearty, honest way in which he relates the story or the . Itironi family, whose adventures we read with particular pleasure, till we came to the conclusion, where we were ridiculously told, they comprised neatly all the existing celebrities of Europe. It is this very peculiarity we com plain of throughout Mr. Disraeli's woik,the fierce hanker ing after monopoly, the desire to heap all great and good qualities to the Jews, and churlishly to deny them to the rest of the woild. We shall set Mr. Disraeli a better example, by admitting all he claims for his eountryinen, except the monopoly. We think it full time that all distinctions should cease between them and the rest of our fellow-citizens, that they should be admitted everywhere and to everything, and that people should learn to look on them altogether as brethren differing from us in certain points. of faith, but still children of Adam, and therefore entitled to our respect and affection, and this may at length be said to be the prevalent feeling. No one now feels disposed to perse cute a Jew. And a-propos of the name, let Mr. Disraeli stick to it, and not seek to substitute in its place, the more sonorous appellation of Hebrew. Jew was once a term of reproach—and is so still in some quarters— but let those who own it live out the prejudice. Time reconciles us to everything ; has reconciled political parties to the names of Radicals, Whigs, and Tories, and will gradually strip everything offensive from the name of Jew. But such novels as Tancred' are by no means calculated to facilitate this process ; their effect, so far as they have any, being to irritate, and give force to prejudice, by making extravagant demands on our credulity and simplicity, which it is not likely that we shall ever be in the humour to grant." The novel of the "Miser's Well " is continued, and increases in interest. The poor, despised, penny-a liner Wilson, bids fair to become a person of import ance. Mr. Percy St. John, in this novel, is no mean rival of Eugene Sue. Mr. Sealy contributes some alsogle's Nest" urtioe i on s " th graceful tran s l a ti ons f rom Petrarch, and Mr. J. A. St. John gives us a d e li ghtful Eastern tale, entitled t " , n T u h e e d , Money we Bags"neyhave an he excellentEa 6‘ Tne "Curiosities of Azores." Mr. Heraud contributes an excellent paper on "People of Character," any Dr. Farquharson a beautiful pastoral, entitled " The Tuscan Girl." This is an excellent number of the Mirror. THE PA 71i/Ciii.N. The Patrician fur this month contains a list of the Knights of the Royal Oak proposed to be created by Charles 11. The ninth of the curious trials connected with the aristocracy is the trial of Capt. Goodere, fur the murder of his brother—a trial interesting in itself, and rendered still more interesting from the fact that Sam Foote, the English Aristophanes, was the nephew of the murderer and the murdered, and that his first literary effort was a pamphlet in defence of Captain Goodere, who notwithstanding his nephew's exertions, was hanged, and hanged most justly. We have also in this number some curious original letters written by Gough, the antiquary, to the Rev. Mr. Forster, and several other interesting articles. FINE ARTS:- THE ART- UNION MON 11l Y JOURNAL. Two admirably engraved portraits of Daniel Maclise and of William Powell Frith form the principal, but by no means the solitary, attractions to this month's num ber of the Art-Union. Speaking of the former artist, a man who by his illustrious power of imagination and achievemente t arrivalhe of hashis thirty-seventhalr e adv• clise having been born at Cork, Jan. a r 15, 1811), the Art- Union observes "It has been the high privilege of Daniel Maclise, by genius, industry, and principles, hon acciuirbdirthhi-mdacye,i(elb)raintyiebl .tz u h:t: curable to his heart as well as to his mind, to restore the triarch Noah offering the first Sacrifice after the Deluge," proves embellishments his in dustry a a n n d d his literary genius c a o r r e itr a i fallen fortunes of his family." The painting of the " Pa titer now exhibiting in the Galiery of the Royal Academy bu in t•io ' ible as they have been heretofore. Mrs. S. C. Ilali's fairy tale of " Midsummer Eve," is continued Aith the same bewitching profusion of tancilul illuAri.tions. The valuable and interestinv. LE FUL Though we are not naturally dispov:ed to _•ittic' . .l iruch importance to the ephemeral thlinealio‘:s of the oc..l4.':Ct:'l,t fashions. we cannot but introduce this cfnzric2in4 little magazine des modes among the re:riodieal puhileatto of a inure pretending elittrgeter. The plates are autifuliy drawn and very exquisitely coloured, and they are glimpses into the boudoirs and salons worthy of more than a casual coutemph , non. the justice , )t, es aeGO%ol Silts teter eYhir Gambling,l swttpr i L bh. e ea.a ' ar s ßetgh m o rvamo a enru t ' ad c -E t h t;:o S sa r 11 Children," Stocks. at s l ohe F b. s n l isei r tk i p pdh l s a ior i e c :i :rnntEi originals ilgr,l,iEli:gclinhg,lpiaraernosal",:ia,l while t it; e * iri r itr. s . t 6 1:1 1 : h soo:fet s A e ri a t' (b . u ' l vfnl e) a • h. A i ! et,t V .it l hhd L tetot . d i ter(ihtr l . L i l icili ; tn,Ren, E re,n:ed(olilr e t ß xllo::sesi,tariaenrauthesisc, ivli imdei, Festival,"ou S a:.:.:: ,itslss:,mt,, ti n , 1 ohroli. ~ .. . efif mi nuteness of the drawing, the expressions in the different y e more e te b n r a il n li c a e n s t are lost, ( I , o ff s e t e , ti e v s e pe . cially the complaisant landlord. ravir4, is sombreneis and breadth' peculiar Nea politan. SCARClTY____lsiinuorvfrin 'HE EDITOR 0 UN. g such a pressure mercantile CO. tT4i.E cxpt . rienc ( in f g m u o vo n u e ld;it r . ;Jo d t e b n e o u t d k v i i i s o able to pared with drespealildt:hteeePorndPiteig-"3.t'o deposit his title-deeds, and give rat engagement on 3 :I the I(.ll(''whi'.—A m ai w te i t t . l4 a Y 2s. 6d. stamp to execute a mortgage deed when called upon to do so, but he can only be cour,zellcd to perform his promise by a Chancery suit—such is the beauty of our Pledge his free law. Why not let a man authorise the pasty of whom 11E:i OF 'TIE LAW. agree ment? Nobody likes to take a security, h owever good, Lich is unavailable without a suit in Chancery. I can oe time w t s il e t i o f b ein r e r t A i l r ‘ o v ai j u nt ' p E g b o t n e, tn. ) a oi n .tt • ifree hold I d s ( o e r w ie .l a )y sl ' e hasommld,asnpirrmi yourg er l i t t y, i ( L ) o b : chdi a is s , I‘., c lt : t,,c i I ri ) l% , :aa t. mir.elale(eut,Sl,riiteltb: aiißfotti ay.,rtnrotTbOe compared m DUBLIN, MAY 11.—ILLNESS OF THE LORD-LIEU.. TENANT.—The following bulletin wa3 issued this morning: The Lord - Lieutenant has undergone no material change since yesterday." VEXATIOU,i ACTIONS' BILL.—A Bill entitled, "All Act for protecting from vexatious Actions Pertons aisc , aarg ing Public Duties," has been brought down from the souse of Lords. It contains 17 clause:. (!.. f PARLIAMENTARY DIVISIONS (From the Votes and Proceedings of the House of Commons.) WEDNESDAY, MAY 12. PIOUS AND CHARITABLE PURPOSES BILL. Order for second reading read ; Motion made and Question proposed, " That the Bill be now read a second time :" Amendment proposed, to leave out the word " now," and at the end of the Question to add the words " upon this day six mouths :"—Question put, " That the word now' stand part of the Question." The House divided : MINORITY—AYES, 20. Acland, T. D. Christopher, R. Jermyn,'Earl Adare, Viscount Dickinson, F.H.: Newry, Viscount Arundel, Earl of Duncan, George Russell, J. 1). Austen, Colonel Granby, Marquis of Smythe, G. Balfour, J. M. Hanmer, Sir J. Bellew, R. M. Heatheete, Sir W. TELLERS. Browne, R. D. Hervey, Lord A. Manners, Lord J. Browne, W. Hope, Alexander Clive, Vise. k I Blacks Benne t ,A A lar e et l k a nw s ri d oi g , nPh S e. frt,, WG T .e . oS r. g e MAJORITY—NOES, 166. Gibson, ,T. M Ogle, S. C. ; A'Court, Captain Gisbome, Thomas Paget, Colonel Aldam, William Gladstone, Captain Pechell, Captain Arehdall, Captain Gore, Robert Perfect, Robert Pigot, David Bagot, William Goulburn, Henry Powell, Colonel Bailey, Joseph Greene, Thomas Prime, Richard Baillie, W. Grey, Sir G. Pusey, P. Bathe, Walter HuG i mir r : o lls : v an i st e oir io: E r Lo , e E nr.j ar damin l .e. RR R R o aa i lear cue lli n,d d e E,y o lg j. ,:: 3 ; l . i. W . L.. Baldwin, Barry H li jil i a n anilial t: s o: Bateson, Thomas : :::rd: T . .. Epl P v.t. . : jn. V. itßussichearud; Lordhear.d Bei esford, Major Romill John Berkeley, Craven Berkeley, Captain Blackbarne, J. I. Heathcote, G J Rutherford, A. Boldero, H. G. Hinde, J. H. Seymour, Lord lion.ing, Dr. Hodgson, R. Sheppard, T. 11 - ,;:u,to s, T. W. Hope, Sir I. Sibthorp, Colonel Smith, A.. Brothertoq, Joseph Hoskins, R. - Smith, R. V. Heck, L. W. Howard, C. W.G. Somerville, Sir W. Buller, Edward Hudson, G. Spooner, Richard Buller, Sir J. Y. Hughes, W. B. Spry, Sir S. Busreild, W. Hussey, Thomas Stansfield, W. R. Carew, W. H. Pole Inglis, Sir R. Stanton, W. 11. Cavendish, G. H. James, William Stuart, John Clay, Sir W. Jervis, Sir John Strutt, Edward Cohile, C. R. Jocelyn, Viscount Sutton, Henry Coote, Sir C. 11. Johnstone, Hope Talbot, C. R. Copeland, Ald. Jollitie, Sir W. G. H. Thesiger, Sir F. Corry, Henry Langston, J. H Thornely, T. Craig, W. G. Law, C. E. Thornhill, G. Crawford, W. S. Lawson, Andrew Tollemache, J. I/al rymnle,' Captain Lefroy, Anthony Tower, C. Denison, J. E. Legh, G. C. Trotter, John Dennistoun, J. Lennox, Lord G. H. Trotter, John D'Eyncourt, C. T. Lindsay, Colonel Turner,. Edmund Dick, Q. Loch, James Tumor, C. Divett, Edward Lockhart, W. Vane, Lord H. Douglas, Sir H. Lowther, Hon. Col. Verner, Sir W. Douglas, J. S. Lygon, General Vyse, 11. Druinmond, 11. Macaulay, T. B. Vyvyan, Sir It. It. buncombe, 0. 31ackenzie, T. Waddington, H. S. Dundas, Sir David Maitland, Thomas Walker, Richard Eg..rton, W. T. Manners, Lord C. Wawn, J. T. Escott, Bickham Marshall, William Williams, W. Est;ourt, T. G. Marton, G. Winnington, Sir T. Evans, William Maunsell, T. B. Wodehouse, E. Ferranti, W. B. Meynell, Captain Wood, Sir Charles Find., George, Miles, Philip W. S. Wood, Colonel T. Forbes, William Miles, William Worcester, Marquis Forester, G. C. 3litcalfe, Henry Forster, Matthew Monahan, J. H. TELLERS. French, F. Morpeth, Viscount Tuthell, Henry Frewen, C. H. Mundy, E. M. Rich, Henry Fuller, A. E. Newdegatc, C. N. POOR-RATES (IRELAND) BILL. (IN THE COMMITTEE.) Motion made, and Question proposed, " That the Report be now received :"—Amendment proposed, to leave out the word " now," and at the end of the Question to add the words " upon this day six months :"—Question put, " That the word now' stand p ar t o f t h e Q uestion :" The House divided:— MINORITY—AYES, 55. Anson, Colonel Frewen, C. H. Pendarves, Edward Arkwright, G. Gore, Robert Russell, Lord E. Armstrong, Sir A. Grey, Sir G. Rutherfurd, A. Arundel, Earl of Hastie, Archibald Somerville, Sir W. Berkeley, Craven Hay, Sir A. Strutt, Edward Berkeley, Captain Hill, Lord Marcus Thornely, T. .. Bouvorie, E. P. Hoskins, K. Trelawny, J. S. Bowes, John Howard, P. H. Tufnell, H. Brotherton, Joseph Jervis, Sir John Wakley, Thomas Busfeild, William Labouchere, Henry Ward, H. G. Cowper, W. F. Mackinnon, W. Watson, Henry Craig, W. G. M'Carthy, Alex. Wawa, J T. Dawson, T. V. Maitland, Thomas Williams, W. Divett, H. Mitea lfe, H. Wood, Colonel T. Duncan, George Mitchell, T. A. Wyse, Thomas Dundas, Admiral Monahan, J. H. Dundas, Sir David Napier. Sir Charles TELLTIS. Fscott, Bickham Newry, Viscount Crawford, W. S. Fielden, John Parker, John Bowling, Dr. Fox, C. R. Pattison, James MAJORITY—NOES, 81. Archdall, Captain Gladstone, J. N. Prime, Richard Baillie, William Goring, Charles Rashleigh, William Baldwin, Barry Goulburn, Henry Rendlesbian, Lord Barrington, Viscount Granby, Marquis of Repton, G. W. J. Beckett, William Greene Thomas Richards, Richard Bennet, Philip Gregory ,W. li. Round, C. Beresford, Major Grogan, Edward Round, J Blackstone, W. S. Halsey, T. P. Sheppard, T. BoNero, H. G. Hamilton, Lord C. Sibthorp, Colonel Borthwick, Peter Hill, Lord E. Spooner, Richard Brisco, M. Hodgson, Richard Stuart, Henry Buckley, Edmund Holmes, W . A'Coart Stuart, J. Bunbury, W. Hope, Sir J. Thornhill, G. Carew, W. P. Hudson, George Tollemache, John Christopher, R. A. Hussey, T. Trevor, G. Copeland, Alderman Ingestre, Visct. Trotter, John Cony, H. Jocelyn, Viscount Verner, Sir W. Cripps, William Jolliffe, Sir W. H. Vyse, H. Duckworth, Sir J. Law, Hon. E. C. Waddington, H. S. Duncombe, A. Lefroy, A. Wall, C. B. Duncombe, 0. Lindsay, Colonel Wellesley, Lord C Egerton, W. T. Mackenzie, T. Winnington, Sir T. Entwisle, William Mackenzie, W. F. Wodehouse, Edmund Ferguson, Sir R. Maxwell, Hon. J. P. Worcester, Marquis Ferrand, W. B. Miles, P. W. S. Forbes, W. Mundy, E. Miller TELLERS. Fuller, A. E. Neeld, Joseph O'Brien, A. S. Gisborne, Thomas Northland, Viscount Young, John THE UNITED STATES. LIVERPOOL, WEDNESDAY. The following commercial advice& reached Liverpool to-day, via llavre: NEW YORK, APRIL 21. The accounts per Cambria, arrived last evening by telegraph from Boston, advised a fall of 245. per quarter in Indian corn, and a decline in flour, in the markets in England. Freights in New York—Cotton, Al to IA ; Flour, 4s. ; Grain, 12d. to 13d. Lower rates have been accepted, but they were firm at the above quotations, and looking up on the 21st. Cotton—Market without change; sales small, but prices well maintained. Flour—The receipts down the Hudson are light. The de mand good, and prices improving, with a disposition to pur chase largely at improved rates, for future delivery. Michigan and Ohio, 7 dolls. 75c. to 7 dolls. 87 , 6 c. ; Troy, 7 dolls. 87%c. to 7 dolls. 93 c.; Gennessee, 7 dolls. 874 c. to 8 dolls. Indian Corn—Southern, 100 to 101; Northern, 101 to 103. Exports from New Yor k from April Ist to 20th—Flour, 76,632 brls. ; Corn, 869.328 bushels ; Wheat, 35,117 bushels ; Rye, 22,133 bushels; Barley, 5,361 bushels; Oats, 40,954 bushels. Provisions—Pork higher, 13 dolls to 15 dolls.; new prime mess, 13 dolls.. 50c. to 16 dolls. 50c. Beef, fine, 25 dolls. Exports from Ist to 20th of April—Beef, 2,634 brie. ; Pork, 3,833 brls. ; Lard, 11,062 kegs. Salt—Arrivals large; but no change in price. Sugar—Market dull. Exchange—Little done in foreign, but the market is very firm. Bills on London, 5 3 / 4 to 6 per cent. ; Paris, 51. 40c. to 51. 42c. HEALTH OF THE KING OF HOLLAND. THE , MAY 9. The impro vement i n hi s Majesty's HAGUE health continues, so that no further bulletins will be isssued. "P. F. G. EVERARD, M.D. "BECKERS, M.D." MAY 10. We are happy to announ c e that in consequence of the recovery of the King's health, not only no more bulletins wiil be issued, but that his Majesty walked out to-day. ADULT DEAF AND DUMB Sodom—Yesterday the fifth annual meeting of the friends and subscribers to the above institution. was held at the Freemasons' Tavern. His Royal Highness the Duke of Cambridge in the chair, supported by the Earl of Effingham, Lord Robert Gros venor, M.P. J. Labouchere, Esq., H. Pownall, Esq. , L. J. Hansard, Esq., and a great number of clergymen. Prayers having been offered up, Mr. J. Simpson, the secretary, read the report, which stated its objects to be the amelia ration of the condition o: the adult deaf and dumb, by relieving their immediate necessities with money, food, and clothing, and also to receive into the institution youths of both sexes, who are educated, clothed, and instructed hade o l c g i h e tt females beeny i s weres b t e il in the establishment. The receipts for th e year - l in trades. There are now twelve m l a u l l‘ e t s .ht a hicT n eh d hs the de ay re w po e r r t e, was rhe q 93 tie l a l. th l e 6 d s. bByd., J. A. a na le r g g a e c as y , ofEe3qo.o, z s ilie p b to te d d . t A o mtohnegirst ofttrneeassunrebrseriipntie2noaol. general exp enses, and 2 1 ) ( 1 ) ). - a to l t C h Il e a b i u r Chairman n g 3 f O u L n d t o;w Earla rd ; towards ni the E if /rIT" and other contributions, which am ounted to about h 2 al o l o of the meeting were voted by acclamation to the Noble Duke for his presidency and support of the society, when the meet hag broke up. `WINDSOR.—A ne w p r i son is in MILIT ARY coursePRISO N AT W of erection, near the cavalry barracks at Spittal, intended as a place of punishment for offending soldiers it. garrison at Windsor, in olitary cells, and a spacious yard e stead of n sending them to the Peni tentiary) as heretofore. The wijo3rrioscocnawis occasional exercise, n is eigl n t r t the_ "hard labour" ordered b 5 sentence of court-martial. ei ITILK • - ING INTO A TRAP.—On Saturday night, a Woman, named Isabella Heap, succeeded in stealing a mantle and hankerchief from one of the shops of Mr. Norman, Pawn broker, at Blackburn. She took them to another of Mr. Norman's shops, with the tickets and private marks on them. She was immediately given in charge to a policeman , was brought up on Monday, and committed for trial.—Munchestet Guardian.