The Daily Times.
Liverpool, Merseyside, England, 1860-10-06 00:00:00

ram.

f,lO 000
TO LENtD,
terminating
.MoTtgag
.Security,.by
ittuirftluilodpiApsoaci,,eterti
in sums to suit borrowers,erna.nen or
rith
Apply to Josiah Hosking, 33, Brunswick-buildings, Brunswick -
street. 48n0v13

' MONEY TO BE LENT ON MORTGAGE.
EVERAL SUMS, varying in amount from £lOO to
. £2,000, ready to be ADVANCED, on approved security.
so, any SUM that may be required, in established Building
Societies, both permanent and terminating. Apply to Mr.
George Turner, auction mart and estate agency oincee, 4S,
Lime-street.

MONEY WITHOUII SURETIES.
NNATIONAL DISCOUNT LOAN FUND, and
DEPOSIT BANK, No. 9, Adam-street, Adelphi, Strand,
ATIONAL
Loans from E 5 to £2OO without sureties, at extra
risk' premium. Loans from 1.:5 to £5OO with sureties. Bills.
discounted at 5 per cent. Money advanced on Bills of Sale_
Loans advanced in full without deduction for interest or ex-
penses. Forms on application, 2d., or by post. Office hours-
from 10 to 4. G. LAWRENCE, Manager.

ADELPHI LOAN AND DISCOUNT COMPANY

OFFICES :
38, RENSHAW-STREET, AND 25, CROPPER-
STREET, LIVERPOOL;
36, HAMILTON-STREET, BIRKENHEAD;

ALSO,
MANCHESTER, BOLTON, PRESTON, AND ST", BiLLISS-

Present Amount of Business :
A QUARTER OF A MILLION PER ANNUM,

All business connected with loans under £l5 is transacted at
he-Office, No. 25, CROPPER...3VMM; behind the Head Moe.
The OFFICE IN BIRKENHEAD has been opened for the especial
convenience of residents on the Cheshire side of the river, for
which purpose a clerk is in daily attendance, and business- can
be transacted in all respects the same as DI the Liverpool Mice.
OANS GRANTED, on approved Security, (mid
j on the shortest notice,) in sums from £le*El,ooo, at the
ollowing charges : Entire Charge,
Including Form Cl Application+
£lO, repayable a ss. per week ...EP 12. 6'
£2O, ff Bs. „ 1 4 0)
£5O, „ 20s. „ ... 218 6
£lOO, /0 40s. „ ... 515 0
£2OO, 808 11 10 0
And upwards in the same proportion.
Advances can be obtained to be repaid by other instalments
lien weekly, and for fixed and longer periods.
10ANS WITHOUT SURETIES.

ArrangeMents are now completed for Le;;liWeti the Secu-
ray of Deeds, Corporation or Dock Bonds, Shares in Building
'oeleties, Railway or other Public Companies, and tfpon any
other, class of semnity that Is at all times aruilabtts.
charges in cases where Special Security is giver: will, liar
n dticed Considerably, and The' repayments can be mule either
in one sum at a fixed period, or by instalments, as may be,
agreed upon._

DISCOUNT DEIvARTNEENT.
TRADESMEN AND OTHERS no having access to a bank
can 'have their BILLS DISCOUNTEEO PROMPTLY, AND
ON VERY MODERATE TERMS.
Varties,residing- in the country can be accommodated by
paying a reasonable extra charge ibr travelling expenses.
For prospectuses and other intbrmation apply a* above, or to
arm. EEETSOI". , Manager.
JOHN EursoN. SecretarT.

91HE ATLANTIC AND GREAT WESTERN
RAILWAY,

CONNECTI76,
• NEW YORK AND Sr. LOTUS,
By the Junction of the New York and Er*, and the Ohio and
Mississippi Railways,
A CONTINUOUS SIX FEET GAUGE,
Twelve Hundred Miles, without Change of Carriages.
brie; of One Million Dollars first Mortgage Bonds, bearing
' Seven per Cent. interest.
Payable half-yearly, on Ist January and Ist July, at. the
Bank of London, Threadneedle-street, London, and at the
Banking-haase of Messrs. Duncan, Sherman, and Co., New
York. •

The four coupons first maturing will bear the guarantee of
the Bank of London, dnly endorsed, thus guarding the invest-
ment against any possibility of default during the construction
of the lines in Pennsylvania and Ohio.
DIRECTORS.
William Reynolds, Esq., Meadville, Pa., President.
Hon. Gaylord Church, Meadville, Pa.
Nathaniel Marsh, Esq., New York, Director and Receiver
New York and Erie Railway.
William Evans, Esq., London, Director New York and
Erie Raillloy. ,
Marvin Kent, Esq., Ravenna, Ohio.
Edward J. Lowber. Esq., New York.
Augustus F. Allen, Esq., New York.
Robert Thelon, Esq., New York.
W. S. Streator, Esq., Dayton, Ohio.
A. J. Prudon, Esq., Jamestown, New York.
D. C. Doane. Esq., Jamestown, New York.
lion. John Dick, M.C., Meadville, Pa.
BANKERS.
The Bank of England, London.
The Bank of London, London.
Messrs. I. Barned and Co., LiverpooL .
M. L. de Cuadra, Paris.
BROKERS.
Messrs. Hesseßine and Powell. London.
Messrs. Hope, Dodgson, and Co., London.
Mr. E. F. Satterthwaite, London.
M. Philipp Nicholas Schmidt, Frankfort.
CONTRACTORS.
Ex. Senor Don Jose de Salamanca.
Worthy S. Streator. Esq.
ENGINEER•IN-CHTEr.
Thomas W. Kennard, Esq., C.E., 36, Great George-street,
Westminster.

Temporary Offices.--11, fit. ii7len74lace, Bishopsgate-street,
London.
The Atlantic and Great Western Railway-378 miles in:
length—is the middle link of a grand national line of six feet
guage, 1,200 miles in, length, from New York through the
great States of New York, Pennsylvania, Ohio, Indiana, and
Illinois, to St. Louis ; of which about 800 miles have been
many years in operation. It possesses extraordinary facilities
for construction, having no tunnels, no deep cuttings, few
bridges, and no ferries ; avoiding the Allegheny Mountains on
the South, and occupying the natural channel of trade between,
them and the Lakes on the North. It traverses some of the
most fertile portion of New York, Pennsylvania, and the
" Garden of Ohio." It passes through the large shire towns
or centres of fourteen counties in the State of Ohio, with more
than one million of inhabitants, and a taxable property of 260.
millions of dollars, and accommodates seventeen cities and
towns in ew York and Pennsylvania, heretofore 'without
railway facilities.
The differing laws of the States of New York, Pennsylvania,
and Ohio, through which the line runs, render separate orga-
nisation necessary,. though practically the whole is one line.
Tbe, present issue is confined to the Bonds of " New York,"
that section being now finished; a considerable portion of the
works in "Pennsylvania" is also finished, and the Ohio"
section is in a very forward state, and can be completed in
1861. As each of these sections is opened, the Bonds will be
issued to, the public, all the funds being provided in the mean-
time by calls on Stock. and advances bp the contractors.
The 'Atlantic and Great Western connects with the New
York and Erie (of which it is a continuation) at Salamanca,
about 400 miles from New York ; and the New York and Erie
Railway Company deem "the connection to be of such im-
portance, from the large and valuable traffic which it will con-
centrate and throw on their road, that they have covenanted_
to pay to the Atlantic and Great Wi stern a bonus of 10 per
cent. on the gross receipts, from freight and passengers,
during five years from completion ; and 5 per cent. for another
term of five years thereafter." This bonus is especially appro-
priated to securing the interest on bonds.
• The association of M. de Salamanca with the Atlantic and
Great Western. Railway, is a voucher that the merits of the
enterprise are not overstated, and an assurance that the whole
line will be rapidly completed, .and its resources developed.
• The bonds are secured by a first registered mortgage consti-
tntiug a lien on the income and all corporate rights, privileges,
lands, franchises, plant and property of the railway ; and give
the•holder the right of conversion into shares at par until Ist
January, 1864.
The bonds of the present issue are of 10,000 dollars each,
iedeemable at par in twenty years, are transferable without
stamp :or endorsement, with interest coupons attached, and
will be paid on the let of January and Ist of July in each year,
At the Bank of London, Threadneedle-street, London, and at
the banking house of Messrs. Duncan, Sherman, and Co., New
York.
The bonds will be issued at 80 per cent., or £lBO sterling per
bond; to include the coupon due Ist January, 1861, and will
be ready for delivery on Ist November, 1860, or earlier, at the
option of the purchaser.
The road represented by these bonds is finished ; its cost is
known and liquidated, and its interest and dividends will be
paid from its actual earnings.
The value of the security offered may be best appreciated by
comparison with the four great lines of the same system.
The total income of these lines, for the last four yeas, has
been as follows :

Erie. Pennsylvania. Baltimore New Yorkand Ohio. Central.
1856 ... $6,349,050 ... $4,720,193 ... $4,385,951 ... $7,770,169
1857 ... 5,742,606 ... 4,855,669 ... 4,616,998 ... 8,027,251
1858 ... 5,101,616 ... 5,185,330 ... 3,856,485 ... 6,528,412
1859 .. . 4,482,149 .. 5,362,355 ... 3,618,618 ... 6,200,848
And these receipts, divided by the mileage obtaining traffic,
gives the following receipts per mile :
Erie. and Ohio. Central.
$11,572 ... $12.848
12,182 ... 13,268
9,117 ... 13,976 ...
$11,237 ....1:. enn4:11Y321v.,07an18282a..1.:
7,933
... 14 10,175 ... 10,790
, 453 ... 9,547... 10,249'3
_____

1856
1857
1858
1t!.59

Average...s9,6l2 $13,559 $10,869 $11,786
• The contract cost of the Atlantic and Great Western Railway_
i 5,837,000 per mile, say 47,100 sterling. Hence, an average
receipt per annum equivalent to that of these four great lines,
will, give an annual return upon the whole, cost, capital and
bonds, of 17 35 per cent., allowing 50 per cent. for working
expenses.
Applications for bonds must be made to the brokers. Copies
of the prospectus, with map, and the reports of the engineer-
in-chief, can be had from the brokers, or at the office of the
company, No. 11, St. Helen's-place, London.

HYAM AND THE AUTUMN, 1860.
. I •
'S AUTUMN STOCK OF CLOTHING for
• 1860 is of a very superior description in mate-
rials 'nu 1,
e. and style ; the various. Suits and
Garments for Gentlemen and Juveniles surpass
those of all previous seasons.
•
HYAM'S CONJOINT GARMENTS, consisting of
Guinea Coat and Vest, Guinea Trousers. and
Vest, and Guinea-and-a-Half Entire Suits of a
Piece will be forwarded is any part of the
kingdom on receipt of a Pest-office Order, pay.
• able to BENJAMIN HYAM. To insure a perfect
tit, send the height of the person, width et
chest and waist, length of sleeve, and leg seam
of trousers.

HYAM'S NEW DEMI-SAC JACKET, and OXFORD
JACKET, are the most useful and becoming
garments for Gentlemen's In and Outdoor Wear.
Prices 12s. 6d., 155. ed., 215., 255., and Ms. 6d.

HYAM'S SIIRTGUTS AND DRESS COATS
in West of England Wool-dyed Black and Bine
Cloths are cut, made, and trimmed in the best
and most fashionable styles.
Prices 215., 285., 325., 368., 425., 505., and 555.
HYAM'S AUTUMN INVERNESS AND HIGH-
LAND CAPES AND OVERCOATS in finished
and unfinished Meltons and Tweeds, Light
SPring Cheviots, Viennas, Venetians, Llama
Cloth, and Silk Alpacas.
Prices 16s. 6d., 215., 265., and 355.

11YAM' S JUVENILE COSTUME, displaying
faultless adaptation to early age, habits, and
growth. Children's Belt Suits in new and
beautiful materials.
•
Prices 10s. 6d., 15s. 6d., and 21s.
Light Autumn Inverness and Highland Capes and
Overcoats.
Prices Bs. 6d., 10s. 6d., and 12s. 6d.

HYAM'S RUGBY, HARROW, & ETON JACKET'
SUITS, Three Entire New Styles, becoming in
design, serviceable for school er dress wear, and
admirably adapted for Young Gentlemen.
Prices 15s. 6d., 215., 255., and 31s. 6d.

RI designed in
HYAIII'S CLOTHING TO ORDE
every variety of novel fabric, the very best
cutters employed, the choice of materials very
extensive.

HYAM'S TRUE-FITTING TROUSERS to order, on
a Self-Adjusting and Shape-Retaining principle.
Price, 16s. 6d.; vest to match, Bs. 6d.

ITYAM'S ASSORTMENT OF DRESS of every
description, ready for immediate use, is the
largest in the United Kingdom, classified in
number of large and well-lighted warerooms.

IjyAM'S HAT, CAP, & HOSIERY DEPARTMENT.
Hats, Caps, Shirts; Collars, Neck Ties, Scarfs,
Handkerchiefs Drawers, Hose, Flannel Shirts,
Braces, Umbrellas, Railway Rugs, &c., &c., are
,• • " sold at an immense saving to the purchaser.
•

li-yAM Is connected only with the following establishments :
LIVERPOOL : 97, LORD-STREET, & 7, WHITECHAPEL.
MANCHESTER : 86 and 88, Market-street and Sickle-street.
GLASGOW : 48, Argyle-street, and 1, Miller-street.
DenrlN : 30, Dame-street and Dame-lane.
Wholesale and Shipping Warehouse, 80, Cannon-street West,
London. Manufactory, 145, High-street, Whitechapel,
London.

REGULATIONS FOR CONDUCTING THE BUSINESS.
All goods marked in figures the lowest selling price, from
which no abatement can be made.
Any garment bought and taken away, if not satisfactory, will
be exchanged, if not worn or injured.
On Saturdays the establishment is closed until dusk what
business is resumed until Eleven o'clock. ,

Printed and Published by WALTER HENRY PEAT, of No.
8, Wesley-street, in the Parish of Toxteth-park, at his
`Printing Establishments-3, BouNownx-sraaßT (corner of
Castle -street), and 40. Lsion-sutzEr; Liverpool.
OCTOBER 6, 1860.